Podcasts about PLS

Vi teller ned til VM samtidig som vi går gjennom de største hendelsene fra fotballens store verden. Bruno Fernandes lanseres som PLs beste spiller, og det holdes en James Milner-quiz. Hold deg fast, og gjerne med begge hender, kjære lytter! I studio: Olai Elvestad, Jonathan Broome, Nicolai Parlow Produsent: Annika Tømmerbakke Ansvarlig redaktør: Vilde Havn Instagram: offside_srib Tiktok: offside_srib X: sriboffside

Wed Bible StudyWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

It's been over 200 episodes since we've last talked about Rob's favorite topic/curriculum/body of research, the Preschool Life Skills. So, to wrap up his birthday month of episodes, we're bringing it back! First, a review of PLS and how it can fit into your classroom environment. Then two recent extensions of the PLS into trauma-based treatment and parent skill development. Hopefully, you'll be as excited as Rob is by the end of this episode. And, if not, could you just fake it for a while? It is his birthday. This episode is available for 1.0 LEARNING CEU. Articles discussed this episode: Falligant, J.M. & Pence, S.T. (2017). Preschool Life Skills using the Response to Intervention model with preschoolers with developmental disabilities. Behavior Analysis: Research and Practice, 3, 217-236. doi: 10.1037/bar0000056 Rees, R.E., Seel, C.J., Huxtable, B.G., & Austin, J.L. (2024). Using the Preschool Life Skills program to support skill development for children with trauma histories. Behavior Analysis in Practice, 17, 693-708. doi: 10.1007/s40617-023-00892-z Lee, H., Gunning, C., Leow, J., & Holloway, J. (2024). An evaluation of delivery of the parent Preschool Life Skills program via telehealth. Journal of Applied Behavior Analysis, 57, 893-909. doi: 10.1002/jaba.2914 If you're interested in ordering CEs for listening to this episode, click here to go to the store page. You'll need to enter your name, BCBA #, the two episode secret code words, and answers to the knowledge check questions to complete the purchase. Email us at abainsidetrack@gmail.com for further assistance.

The ASX 200 rose 106 points to 9128 (1.2%). Banks were slightly higher with WBC up % and the Big Bank Basket rose to $310.41 (0.5%). MQG had an anaemic 0.3% rally. Financials were better with GQG up 3.3% and ZIP soaring 9.4%. NWL and HUB also rallied. Insurers flat. REITs mixed, SCG up 0.3% and MGR falling 1.0%. Healthcare mixed, CSL flat, RMD down 2.7%. Tech was the place to be following a US rally and the WTC results and job losses. WTC rose 11.1% kicking the All -Tech Index up 4.0% with XRO up 5.5% and IRE jumping 9.6% on better-than-expected results. MP1 bounced 9.8% as volatility continued. Industrials mixed, WOW soared 13.0% on much better results, JBH rallied 0.9% and WES continued lower. TAH hit the jackpot on results rising 23.5%. REA and CAR both trundled higher. In resources, BHP hitting record highs again up another 3.2%. FMG jumped 4.7% on results. RIO joined in too. Gold miners were mostly better, NST up 2.1% and EVN up 3.3%. Lithium stocks jumped again, PLS up 2.8% and MIN up 1.5%. LYC jumped 7.9%. Copper stocks also in demand, SFR up 2.2%. Uranium stocks picked up pace, PDN up 4.0% and NXG rising 3.7%.In corporate news, DMP dumped 11.1% on sales and margin issues. FLT softer on reaffirmed guidance. IRE rallied 9.6% on results and AX1 soared 19.9% after beating H1 and the dividend. DRO also had a good day, up 12.6%, after net profit jumped 367%. Still only $3.5m.On the economic front, Australian monthly CPI came in a 3.8% as expected. 3.4% on the core CPI. Slightly above forecasts. Rate rises still on the table.Asian markets came back online with Japan up 2.4%. China up 1.2% and HK rising 0.8%.US Futures slightly firmer. Dow up 4 and Nasdaq up 29 on SOTU Address.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

The Cognitive Crucible is a forum that presents different perspectives and emerging thought leadership related to the information environment. The opinions expressed by guests are their own, and do not necessarily reflect the views of or endorsement by the Information Professionals Association. During this episode, Doug Abdiel discusses the vivid operational problem of GPS-denied or GPS-degraded environments and how Advanced Navigation is helping operators cut through the fog of modern warfare. Recording Date: 16 Feb 2026 Research Question: Doug Abdiel suggests an interested student or researcher examine the computationally challenging problem of peer-to-peer solutions for signals. Resources: Cognitive Crucible Podcast Episodes Mentioned #237 Josh Segal on Ukraine, Electronic Warfare, and Fast Battlefield Innovation Advanced Navigation P&G Purpose: We believe that every person deserves a chance to obtain long-term, sustainable employment for themselves and their families. For some people, this has never been a problem. For others, through circumstances outside of their control, be it war, famine, or countless other issues, they have never been able to have this sustainable employment. We aim to bridge that gap, helping those people obtain the job skills that they need to succeed. Cigarette Lighter Airport Jammer Battlefield Cellphone Usage Global Navigation Satellite Systems, Inertial Navigation, and Integration by Mohinder S. Grewal, Angus P. Andrews, and Chris G. Bartone Link to full show notes and resources Guest Bio: Doug Abdiel is Global VP Customer Experience and Support at Advanced Navigation, a global leader in autonomous systems and navigation technology. In addition to being a Navigator, Doug is a U.S. Marine, and has served on active duty and in the reserves, where he is currently a Lieutenant Colonel, since 2003. Doug is an experienced leader with a record of driving change in the internet, defence, and social sectors for the past two decades. He has practiced in competitive intelligence, strategic/operational planning, and partnership business development across the Asia-Pacific. Doug is recognized for high-double-digit YoY growth and concurrent cost reduction on eleven-figure P&Ls. He is a community-minded founder, director, and chair of a multimillion-dollar social enterprise that provided over 50 people their first, and most importantly a pathway to their second, jobs in Australia. Doug's opinions are his own and do not necessarily reflect the views of the US Department of War, Department of the Navy, or the US Marine Corps. About: The Information Professionals Association (IPA) is a non-profit organization dedicated to exploring the role of information activities, such as influence and cognitive security, within the national security sector and helping to bridge the divide between operations and research. Its goal is to increase interdisciplinary collaboration between scholars and practitioners and policymakers with an interest in this domain. For more information, please contact us at communications@information-professionals.org. Or, connect directly with The Cognitive Crucible podcast host, John Bicknell, on LinkedIn. Disclosure: As an Amazon Associate, 1) IPA earns from qualifying purchases, 2) IPA gets commissions for purchases made through links in this post.

The ASX 200 opened firm, slipped then rallied off lows as US futures stayed positive. We closed down only 4 points to 9022. Banks made a comeback, NAB up 1.0% with WBC up 1.5% and the Big Bank Basket up to $309.01 (0.3%). Financials elsewhere were smacked down on private equity fears, AI concerns and bears playing havoc post results. MQG dropped 3.6% on PE concerns, RPL rallied hard on better results, up 4.8% and NGI came under extreme pressure down 5.4%. MAF continued lower. ZIP fell another 6.4%. Insurers also fell, QBE off 1.6%. REITs too under pressure, GMG down 2.6% and SCG falling 1.1%. Industrials were mixed, WES down 1.8% and REA off 3.9% with tech under extreme pressure again, WTC fell 3.7% and XRO down 4.6% with the All-Tech Index down another 3.1%. Retail under pressure too, SUL off 2.5% and PMV falling 1.9%.Resources were generally firm. BHP hit record highs, up 1.4% with RIO slipping 1.1% on some broker downgrades, FMG up 1.1%. Golds firmed then slid slightly as bullion prices came off the boil, NST up 1.6% and EVN up 0.8%. Lithium stocks went nuts, PLS up 8.0% and LTR rising 8.7%. Oil and gas stocks rose, WDS results cheered, STO up 0.4% and uranium stocks mixed.In corporate news, MND pushed 5.9% higher on better than expected results, WDS managed a small rise after 24% drop in profits. NEC rallied 0.5% on numbers, VEA rose 8.1% after a stronger number. ARB had a shocker, falling 13.1% after a 17% drop in profits. KLS had a good day, up 7.8%, after announcing the sale of its tourism business.On the economic front, Australian consumer confidence rose 3.1 points last week to 80.2.Asian markets came back online with  Japan up 0.9%. China up 1.3% and HK falling 1.9% US Futures slightly firmer. Nasdaq up 120 - S&P 500 up 22.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

The ASX 200 gave back 55 points to 9026 (0.6%). US futures turned negative early and banks slid, the Big Bank Basket down to $308.21 (-1.0%). MQG also down 2.4% on concerns with private equity and fund managers. Financials generally were weaker across the board, REITs slumped too, GMG down 3.6% and VCX off 3.1% with industrials sliding. WES down 1.7%, REA off 1.8% with retail falling, JBH off 1.9% and LOV down 1.4%. Tech once again on the nose, WTC falling 5.2%, XRO down 2.9% and the All-Tech Index falling another 3.3%. In healthcare, CSL fell 3.8% on tariff news, and COH off 1.7%.In resources, BHP rose 1.3% as commodity stocks ran hard on falling USD. Lithium stocks picked up, PLS up 4.6% and MIN rising 5.0%. Gold miners powered ahead, NST up 3.4% and GMD up 5.4% with KCN rallying 8.8%. Oil and gas stocks fell, despite tensions in Iran and US snowstorms. Uranium stocks mixed, PDN down 3.8% and BOE off 3.2%.In corporate news, KGN rose 5.5% on slightly better number and an increased dividend.  LLC fell after a surprise loss. PRN tumbled 13.8% after softer numbers, ASB fell 11.0% on accounting qualifications despite record order books. IMD delivered a strong result. In economic news, mortgage demand rose 12.3% to a four-year high.Asian markets were better, China still closed, but HK up 2.3% and South Korea hitting new records. Japan closed for Emperor's Birthday.European markets opening lower on a resumption of the tariff war.Dow futures down 311 Nasdaq down 238. —Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Sunday Service @ Grace Chapel, BangaloreWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

Réécoutez FG mix Dance avec Pls & Ty du vendredi 20 février 2026

The ASX 200 lost 5 points to 9081 for its first down day this week. No Freaky Friday drop! For the week, the index is up 1.8%. Banks leading the way again, the Big Bank Basket up to $311.23 (+0.9%). MQG fell 1.6% with other financials slipping again, ZIP eased 3.8% after an early rally. Insurers though firmed on a better set of numbers from QBE, up 7.1% and SUN up 1.8%.  REITs were slightly firmer, industrials slipped lower, ALL down 4.6%, WOW and COL slid, TLS off 0.6% and REA dropping 0.6%. Retail also fell led by JBH off 1.2% and GYG crashing 13.9% on results and US update. Healthcare eased back, CSL off 0.6% and COH continuing lower. PME dropped 2.1% and RMD fell 0.6%. Tech was once again back on the noise, WTC off 3.8% and XRO falling 3.7% with the All-Tech Index off %.Resources were mixed, RIO fell 3.1% on results whilst BHP held firm. Gold miners were mixed with results falling, NEM down 4.9% on numbers, GMD off 3.1% on its numbers. Lithium stocks fell, PLS down 4.6% on results, and LTR off 6.4% with results from MIN failing 5.3% to help sentiment. In the oil and gas space STO dropped 0.9% and uranium stocks were ok, PDN up 5.4% on Canadian approvals.In corporate news, ING dropped as it cut its poultry forecast. NEM off 4.9% on its results, ASB awarded a $4bn contract from the ADF and TLX jumped 14.5% as it guided higher revenues.On the economic front, nothing today, in the US, we may get the tariff ruling and we have Core PCE.In Asia, HK back from holidays, down 0.6% and Japan down 1.3%.US Futures up. DJ up 62 Nasdaq up 42—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Send a textJonathan and Redge take one last T.A.L.E. Tour rewind to Scribbleton, Once Upon a Time's tiniest town. After nibbling a Wonderland cookie and shrinking to size, they explored colorful streets made of leaves and mushrooms and met some very small (and very friendly) locals. When it was time to get ready for the Scribbleton Scramble Parade, there was a lot to do and not much time. As they dashed from task to task, Jonathan and Redge discovered a special kind of magic in helping others, working together, and celebrating what makes a community special.Listen to the original episode 85, The Scribbleton Scramble: https://jonincharacter.com/the-scribbleton-scramble/ We're having a special Dorktales Storytime merch giveaway!Where would your child like to go with us on a future T.A.L.E. Tour? Grownups, you can submit that idea on their behalf for a chance to win a Dorktales Storytime merch prize pack.The giveaway is open to families in the USA, Canada, the UK, and Australia. If you live outside those regions and have a child who would love to participate, please reach out and we'll be happy to share a digital reward option.Last day to submit: Wednesday, February 25, 2026. 7 winners will be randomly selected and announced in a Mr. Redge Hotline episode on March 5.Learn more and submit your child's idea here: https://jonincharacter.com/tale-tour-adventure-playlist/CREDITS: This episode is a Jonincharacter production. It was produced by Molly Murphy and performed by Jonathan Cormur. Sound recording and production by Jermaine Hamilton at Pacific Grove Soundworks.DORKTALES MERCH GIVEAWAY! Enter by February 25, 2026. More info about the giveaway here: https://jonincharacter.com/tale-tour-adventures-rewind/Support the showREACH OUT! Send us a TEXT: if your young listener has a question. Pls include their first name in the text. Your name/number is hidden so it's a safe way to reach out. Send us an email: dorktalesstorytime@gmail.com DM us on IG @dorktalesstorytime Library of Resources: https://dorktalesstorytime.aweb.page/Dorktales-Library-Card One time donation: https://www.buymeacoffee.com/dorktales Our Pod's Songs on Bandcamp: https://dorktalesstorytime.bandcamp.com/music Now, go be the hero of your own story and we'll see you next once-upon-a-time!

Sam Jones and Tom Zaunmayr discuss the state government's demersal fishing ban. Plus: Rio Tinto sound warning on emissions targets; PLS revive mothballed lithium plant; and Singaporean developer revives Scarborough plan.

Studying for your professional surveyor licensing test can be a daunting task, so this week's "surveyor Says! THe NSPS Podcast" is here to bring you much needed information. Your host, Tim Burch, caught up with Amanda Jonas, RPLS, and Jib Ahmad, LSLS, RPLS, PLS, LS, CFM, from Halff who has been leading an online preparatory session for NCEES FS and PS exam takers. This small internal mentoring class has turned into a juggernaut overnight yet the mission to help the exam taker remains the same. Listen today to hear about the history of the class and how growing at a rapid pace will not deter this effort to educate our future professionals!

The ASX 200 kicked higher again. Three days in a row, up 48 to 9007 (0.5%) despite CBA going ex-dividend. Record high back in sight. NAB was the standout today on Q1 results beating expectations, up 4.1%. The Big Bank Basket up to $304.05 (0.2%), financials kicked higher too, MQG up 0.6% and private health insurers roared ahead on government price changes. MPL up 6.0% and NHF up 5.0%. ZIP jumped 8.0% ahead of results, CGF also ran hard on results, up 8.3%. REITs firmed, GMG up 0.9% and SCG rising 1.3%. Industrials were firm too, QAN up 1.0%, TCL up 1.2% and ALL doing well up 2.3%. JBH fell back a little, healthcare still mixed, SIG down 1.0% and COH off 1.0%. In the tech space, some wins starting to hit the screens, TNE up 8.2% on guidance, XRO up 1.8% and HSN soared 16.4% on better-than-expected results.In resource land, BHP slid 0.9% as copper drifted lower, RIO up 1.3% and FMG up 0.5%. Gold miners eased back as bullion prices fell on Lunar New Year. GMD down 2.9% and NST dropped 0.7%. CSC had a shocker falling 14.0% on very disappointing results and guidance. Lithium stocks bubbled higher, LTR roaring ahead, up 6.2% with PLS up 2.3%. BSL rose 2.6% on an increased bid from SGH. STO fell 0.6% on another disappointment. Uranium stocks bounded ahead, PDN up 5.6% and DYL up 4.4%.In corporate news, SLC rose 18.2% on an acquisition and better than expected results. AFG rallied off lows after better numbers. Brokers are back. SUN fell 4.4% as profits fell short.In economic news, the RBNZ left rates unchanged. Locally, the wage price index rose 0.8% in the December quarter and 3.4% annually.US futures up. Dow Jones up 35 points, Nasdaq up 60.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Todayhttp://bit.ly/mt-trial-podcastJoin Marcus TodayUse code MTPODCAST for 10% offhttp://bit.ly/mt-join-podcast-offerMT20 – Managed ETF PortfolioA professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing.http://bit.ly/mt20-podcastPrinciples – How We Think About InvestingA short video series on timing, behaviour, and decision-making. No stock tips.http://bit.ly/mt-principles-podcast—DisclaimerThis podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

In this episode we discuss about current events ranging from politics and cinema and other events. Ft Senthil, Jawa and Kabilan. Show edited by Kabilan. Poster edit by ashn_01_.Pls give your valuable feedback on https://docs.google.com/forms/d/e/1FAIpQLSeGTyFioBVIydUPkeTOVsovwzEDATSeBEA9PbQCq8ziy2DxFg/viewform?utm_source=ig&utm_medium=social&utm_content=link_in_bio&fbclid=PAb21jcAP_7NVleHRuA2FlbQIxMQBzcnRjBmFwcF9pZA81NjcwNjczNDMzNTI0MjcAAaf_tk_peScRmJ8PxFSTKminnRcnguai343VaRb0MhxMl-oJpKFaoc8M6YYo5Q_aem_iVvS6-uA6shqd6TkTKnZvQ

Do tematu relacji z ostatniego Warsaw Coffee Festival 2026 podszedłem zupełnie inaczej. Dla mnie tego typu festiwale to przede wszystkim ludzie i ich historie – często ukryte pod splendorem najbardziej rozpoznawalnych na rynku graczy. To właśnie takich ukrytych, niepozornych biznesów, pasji i – jak się okazało – nierzadko miłości szukałem w miniony weekend na PGE Narodowym. I znalazłem.Linki:Strona domowaInstagram | X/TwitterNewsletter „Bo czemu nie?”Warsaw Coffee FestivalIntro RoasteryNolens-VolensOrganum CoffeePricky EatersQualia CaffeKafejetoBioffee kubkinothing. roasterySerce KawyHard BeansTRIGGERPartnerzy:- Palarnia kawy HAYB (w odcinku kod -10% na kawy i herbaty!)Prowadzący: Krzysztof KołaczMam prośbę: Oceń ten podcast w Apple Podcasts oraz na Spotify. Zostaw tyle gwiazdek, ile uznasz. Twoja opinia ma znaczenie!Zainteresowany współpracą? Pogadajmy! kawa@boczemunie.plSłuchaj, gdzie chcesz: Apple Podcasts | Spotify i przez RSS.Rozdziały:(00:00:11) INTRO(00:00:44) Wstępniak(00:04:59) Intro Roastery(00:08:37) Nolens Volens(00:13:26) Organum Coffee(00:17:10) Pricky Eaters(00:21:18) Qualia Caffe(00:23:49) Kafejeto(00:26:08) Bioffee kubki(00:29:13) nothing. Roastery(00:31:50) Serce Kawy (00:34:58) TRIGGER(00:37:49) HARD BEANS(00:42:34) HAYB(00:44:22) Do następnego!

The ASX 200 missed it by this much. Closed up 29 points to close at 9044 (0.3%). Banks were once again the stars of the show as the ANZ result kicked it higher, up 8.5% with the Big Bank Basket up to $306.63 (+4.8%) a new record close. Other financials were sold down hard as AMP results bombed with investors, the stock falling 26.7%, ZIP dipped 5.8% and CGF fell 6.0%. Insurers also under pressure again, QBE down 2.0% and MPL falling 2.2%. Industrials also fell in a heap, are we really at record highs? ALL down 3.9% and JBH losing another 1.0% with REITs under pressure again, GMG down 1.7% and SCG off 5.3%. ‘Old Skool' platforms, again in the doghouse, REA down 3.3% and CAR hitting a speed bump off 5.3%. Tech stocks were horrible again. It continues to cascade lower, the All-Tech Index down another 6.7% with WTC falling 6.6%, XRO heading that way, down 8.4% and TNE off 6.9%. Healthcare checked into A&E as CSL fell another 6.9% with RMD dropping 2.6% and PME being sold down 23.9% on disappointing numbers.In resources, gold miners mixed, lithium stocks better, PLS up 3.8% and MIN pushing 1.4% higher. BHP and RIO doing well on copper prices, uranium struggling, LOT down 7.2% and PDN up 0.7% on better results.In corporate news, TPW were smashed down 32.6% on disappointing numbers and increased discounting. AMP dropped and ASX fell 1.7% after its better-than-expected revenue, wiped out by expenses. BRG saw record EBITDA and popped 1.7% higher.On the economic front, Michele Bullock got a grilling from one Senator.US futures Dow up 157 points and Nasdaq up 46.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

endant que le Dow Jones s'offre un club VIP au-dessus des 50 000 points, le S&P 500 patine dans la semoule sous les 7 000. Mais ne vous laissez pas endormir par les records de façade : sous le capot, le moteur fume. Entre la "Saaspocalypse", les chiffres de l'emploi (NFP) bricolés par le BLS et le consommateur américain qui ferme son portefeuille, l'ambiance est plus proche de l'an 2000 que du champagne pour tout le monde. Au programme de ce Morningbull Live du 11 février 2026 :

The ASX 200 started strongly, but wilted in the summer sun, up only 17 points at 8887 (0.2%). Part of the reason was the banks which fell as ANZ Consumer sentiment slid on rate rises last week. WBC and ANZ in trouble with around 2% falls, CBA down 0.7% with the Big Bank Basket down to $278.71 (-1.0%). MQG gave up early strong gains, up just 0.8% on a solid update. Insurers were bashed as OpenAI released a new insurance app in the US. Much like Compare the Market her. Brokers punished, AUB and SDF down significantly. Other financials solid, SOL up 2.2% and ZIP rallying another 6.1%. REITs solid, GMG up 1.2% and Healthcare was solid with CSL up 1.8% ahead of the results. Retail mixed, JBH down another 1.5% again, tech better and showing some signs of life, WTC up 2.6% on a Macquarie report, XRO up 2.2% and the All- Tech Index up 2.2%. Data centres doing better, NXT up 3.4% and MP1 up 2.6%. In resources, BHP up 1.1% and RIO doing ok, Gold miners were mixed, NEM up 1.6% and GMD rising 2.8%. Lithium stocks better on a PLS price floor deal. Uranium stocks doing well too today, PDN up 5.5% and BMN up 10.9%. Oil and gas flat. In corporate news, EOS soared 11.8% on a rebuttal to the Grizzly.  NEM has flagged a Barrick IPO and TWE came to an agreement on its US distribution arm. CSL's head honcho to retire immediately. Results tomorrow!Asian markets - Japan up 2.2%. New record high. China unchanged and HK up 0.5%US futures Dow up 19 and Nasdaq down 18. 10-year yields ease to 4.85%.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Réécoutez FG mix Dance avec Pls & Ty du vendredi 6 février 2026

The ASX 200 fell 180points today to 8691 (2.0%). Biggest loss since Liberation Day! Across the board losses and no rally in sight this afternoon. Is this the climax of the selling? No where to run, no where to hide, Materials fell hard led by BHP down 3.1% as copper came under pressure in Asia, RIO held up on news the Glencore deal is off, FMG dipped 1.2%. Gold miners fell, although it could have been worse, NST down 1.7% and NEM off only 4.9% with uranium stocks falling hard too on AI trade impacts, LOT dropped 27.8% as it raised money, PDN fell 10.9% and oil and gas stocks fell, WDS down 1.6% and WHC down 4.1%. BPT continued to fall after the results yesterday. Lithium and other base metal stocks also fell, LYC down 3.2% and PLS off 1.2%.Banks were holding up for a while, before gravity took over WBC down 1.2% and NAB down 1.6%.  The Big Bank Basket fell only 0.8% to $278.71.MQG dropped 2.2% and other financials under pressure, HUB off 6.1% and ZIP down 3.3%. Insurers eased and REITs dropped big time, GMG down 6.1% and SCG off 2.5%. Healthcare fell in a hole, CSL down 0.4% and COH falling 3.3% with RMD a bright spot. Retail on sale, JBH down 3.2% and WES off 1.3% with tech wrecked again, WTC down 4.7% and TNE off 5.0%. XRO trying to find a base. Escaping today. NXT dipped 3.9% and EOS down 16.2% and suspended on a research report from Grizzly.In corporate news, RIO and Glencore are now just friends. REA dived 7.8% on its results on lower listings, NWS dipped 5.4% too on results, TWE ditched 8.0% after a UBS report, down % and WEB crashed 29.5% on a Spanish audit. HMC did a strategic deal with KKR and still fell 2.7%. The ASX Tech sector is on track for a 13% fall this week! Down 4.4% again today.Asian markets eased, Japan up 0.8%, China up 0.2%, and HK down 1.3%US Futures down, Nasdaq down 185, Dow down 13610-year yields eases to 4.82%Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Send us a textJonathan and Redge plunge back into the Fantasea, when the magical minivan transformed into a submarine and carried them to the vibrant underwater village of Red Herring Reef. The adventure started as a dazzling tour of colorful coral and amazing art, until an empty frame led to an unexpected mystery to solve. As clues rippled to the surface, they discovered a special kind of magic hiding beneath the waves about finding the confidence to share who you are.Listen to the original episode 113, Riddle of Red Herring Reef: https://jonincharacter.com/riddle-of-red-herring-reef/ We're having a special Dorktales Storytime merch giveaway!Where would your child like to go with us on a future T.A.L.E. Tour? Grownups, you can submit that idea on their behalf for a chance to win a Dorktales Storytime merch prize pack.The giveaway is open to families in the USA, Canada, the UK, and Australia. If you live outside those regions and have a child who would love to participate, please reach out and we'll be happy to share a digital reward option.Last day to submit: Wednesday, February 25, 2026. Seven winners will be randomly selected and announced in a Mr. Redge Hotline episode on March 5.Learn more and submit your child's idea here: https://jonincharacter.com/tale-tour-adventure-playlist/CREDITS: This episode is a Jonincharacter production. It was produced by Molly Murphy and performed by Jonathan Cormur. Sound recording and production by Jermaine Hamilton at Pacific Grove Soundworks.DORKTALES MERCH GIVEAWAY! Enter by February 25, 2026. More info about the giveaway here: https://jonincharacter.com/tale-tour-adventures-rewind/Support the showREACH OUT! Send us a TEXT: if your young listener has a question. Pls include their first name in the text. Your name/number is hidden so it's a safe way to reach out. Send us an email: dorktalesstorytime@gmail.com DM us on IG @dorktalesstorytime Library of Resources: https://dorktalesstorytime.aweb.page/Dorktales-Library-Card One time donation: https://www.buymeacoffee.com/dorktales Our Pod's Songs on Bandcamp: https://dorktalesstorytime.bandcamp.com/music Now, go be the hero of your own story and we'll see you next once-upon-a-time!

ASX 200 fell 39 points to 8889 (0.4%) as resources came under pressure again. One day up, one day down.  Silver tumbled 15% in Asian trade and dragged gold lower, miners responded with NST down 4.6% and EVN off 3.2%. The big miners eased back, BHP down 3.9% and RIO down 1.4%. Rare earth companies fell, LYC down 7.9% and lithium depressed too, PLS down 3.7% and IGO off 3.2%. Uranium shares were beaten up as the market took AMD forecast as a sign that power requirement would slow. PDN down 9.0% and LOT in a trading halt for a capital raise. Oil and gas stocks eased as tensions with Iran cooled. STO down 0.7% and BPT with its results off 4.4%.Banks were firm, as CBA wrestled the #1 spot back off BHP, up 1.4%. The Big Bank Basket up to $280.82 (%). Insurers are also in demand, higher rates perhaps, QBE up 2.1% and SUN rising 1.7%. Industrials firmed, WES up 2.1% and a bounce in REA up 2.6% with the tech index showing some signs of stability. WTC still down 2.6% with XRO finding some friends, up 1.6%. The All –Tech Index rose 0.1%. Healthcare better as RMD breathed easy and rose 4.9%.In corporate news, ELD has announced its succession plan, it fell 4.1% on the news. NEU fell 9.8% on FDA news in the US, RPL rose 5.1% as it announced a buyback.Asian markets eased, Japan down 1.1%, China up 1.0% and HK down 1.3%US Futures mixed Nasdaq up 20, Dow down 6810-year yields steady at 4.85%Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

ASX 200 rallied 71 points to 8928 (0.8%) throughout the day as banks and resources rose in tandem. Tech was shattered again with the All-Tech Index down 7.1%. BHP rose 4.5% to be #1 again as copper bounced back and held gains. RIO up 4.3% and FMG managed a 1.7% rise. Gold miners too bounced back hard as bullion sprinted back over $5000. NST up 6.2% and NEM up 4.3%. Uranium stocks also in demand, NXG up 2.8% and LOT gaining 7.9%. Both STO and WDS rallied hard on crude price rises. Copper stocks were also firm, SFR up 1.2% and CSC rising 3.4%. Lithium a little depressed. PLS down 1.8%. Banks were hot, CBA jumped 2.6% and WBC up 1.5% with the Big Bank Basket up to $277.95 (%). MQG dipped 1.4% and financials fell, ZIP down 9.0% and NWL falling 7.8%. Industrials fell, JBH dropped 1.9% and ALL off 2.8%. Healthcare fell, RMD off 1.6% and COH down 2.5%. Tech was massacred with WTC down 10.7%, XRO smashed 15.9% after an investor day, TNE off 10.5% and 360 off 5.9%.In corporate news, YAL jumped 9.0% amidst Chinese coal demand. AMC rose 3.5% after reaffirming guidance. NEU in a trading halt pending an FDA announcement on NNZ-2591.Nothing on the economic front. Asian markets eased, Japan down 0.9%, China up 0.1% and HK down 0.2%US Futures slightly higher, Nasdaq down 20, Dow up 58 10-year yields steady at 4.86%Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

This one has a twist ending!In this episode of the Regretful Parents series, Erika and Kristen react to a Reddit post titled “I genuinely hate my baby.” What starts as a familiar story about parenting regret, sleep deprivation, and postpartum mental health quickly turns into total chaos when the hosts realize the post wasn't written by a mother — but by a first-time father (FTF).This episode dives deep into the realities of new parent burnout, baby sleep training, cry it out (CIO) methods, and the crushing isolation that comes with being an expat parent with no support system. The Reddit post describes a 33-year-old parent with a 4.5-month-old baby who hasn't slept more than two hours at a time, leading to severe mental health struggles, weight loss, emotional breakdowns at work, and intense regret over becoming a parent.Along the way, Erika and Kristen unpack:The emotional toll of sleep deprivation and newborn parentingWhether sleep training actually works or causes harmWhy parenting forums are obsessed with acronyms (FTF, CIO, PLS, TCB… seriously, why?)The differences in how mothers vs fathers are treated when they struggle mentallyHow parental regret is discussed (or ignored) onlineWhy so many overwhelmed parents turn to churches, daycare, or community support just to surviveAnd how being child-free offers a radically different perspective on parenting cultureThis episode blends dark humor, brutal honesty, and social commentary while exploring topics like postpartum depression (PPD), parenting expectations, gender roles, and the myth that having children automatically brings fulfillment.If you're interested in:regretful parentsnew parent mental healthbaby sleep trainingparenting regret storieschild-free commentaryReddit parenting storiesfirst time father strugglespostpartum depression discussions…this episode is for you.

Trzeci sezon podcastu „Kawa. Bo czemu nie?” postanowiłem rozpocząć, łącząc moje dwie pasje, czyli technologię i kawę.Uderzam w sam środek stołu, albo raczej obecnego dyskursu w branży: starcia romantyzmu z pragmatyzmem. Co tak naprawdę kupujemy w kawiarni? Napój, doświadczenie, interakcję, a może wszystkiego po trochu? Na czym obie strony baru powinny skupić się w najbliższych, pełnych technologicznych ułatwień latach?Linki:Strona domowaInstagram | X/TwitterMój drugi podcast „Bo czemu nie?”Newsletter „Bo czemu nie?”#024 – AI w kawie?#037 – Kawa w miejskiej dżungli (Urban Coffee)Raport o wartości rynku kawyBarista vs. sztuczna inteligencjaCzy automatyzacja niszczy człowieczeństwo w kawiarniach?Odkrywamy przyszłość kawy z najlepszym robotem-baristą i innowacyjnymi podejściamiPrzyszłość branży kawiarni: Prognozy ekspertówPrzyszłość gościnnościTrendy w automatyzacjiRoboty do kawy AI rewolucjonizujące kawiarnie w TurcjiAI Coffee RobotsDale Harris o przyszłości pracy baristyAutomation in action in the coffee industryPartnerzy:- Palarnia kawy HAYB (w odcinku kod -10% na kawy i herbaty!)Prowadzący: Krzysztof KołaczMam prośbę: Oceń ten podcast w Apple Podcasts oraz na Spotify. Zostaw tyle gwiazdek, ile uznasz. Twoja opinia ma znaczenie!Zainteresowany współpracą? Pogadajmy! kawa@boczemunie.plSłuchaj, gdzie chcesz: Apple Podcasts | Spotify i przez RSS.Rozdziały:(00:00:12) INTRO(00:00:45) Wstępniak i ogłoszenia(00:02:28) Technologia za barem kontra człowiek(00:30:19) Czego technologia nam nie zabierze?

I was exposed to business numbers long before I ever owned a business. Profit & Loss statements, sales trends, inventory, expenses, just to name a few. These were normal conversations in my world growing up. And when I became a small business owner, that knowledge became my secret weapon. But as I started meeting other small business owners, I realized something big: they WANTED to understand their numbers… they just didn't know where to start. Today, I share my journey with the P&L and why it quickly became my #1 tool for growing a profitable business. The truth is, small business P&Ls aren't that different from big business P&Ls and small businesses have far more in common than you'd ever imagine. No matter what size your business is, your Profit & Loss statement is the key to understanding your money, increasing your profits, and making smarter decisions. Let's make the P&L your new superpower.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Send us a textWelcome to Dorktales Storytime, the award-winning kids podcast for imaginative listeners and their pop-culture-loving grownups.Join voice actor and storyteller Jonathan Cormur and his best hedgehog buddy, Reginald T. Hedgehog, as they take you on adventures through the magical land of Once Upon a Time.You'll hear:Wacky, geeky retellings of classic fairytales and fablesOriginal lore-filled adventures in a world of curious creatures and hidden traditionsTrue stories of history's Hidden Heroes - real people who changed the world in surprising waysEvery episode is made for all ages, with big laughs for kids and clever nods for grownups.Start anywhere. Explore everywhere.Let our once-upon-a-time together begin!Support the showREACH OUT! Send us a TEXT: if your young listener has a question. Pls include their first name in the text. Your name/number is hidden so it's a safe way to reach out. Send us an email: dorktalesstorytime@gmail.com DM us on IG @dorktalesstorytime Library of Resources: https://dorktalesstorytime.aweb.page/Dorktales-Library-Card One time donation: https://www.buymeacoffee.com/dorktales Our Pod's Songs on Bandcamp: https://dorktalesstorytime.bandcamp.com/music Now, go be the hero of your own story and we'll see you next once-upon-a-time!

Sunday Service @ Grace Chapel, BangaloreWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

Send us a textWelcome back to the T.A.L.E. Tour Rewind! Jonathan and Redge revisit their climb into the Cliffhanger Mountains and their unforgettable visit to the Color Pillars. What starts as a search for ancient, shimmering ruins takes a surprising turn, leaving you on a cliffhanger before revealing a special kind of magic hidden in the natural world.Find the full Color Pillars Episode: https://jonincharacter.com/the-color-pillars/We're having a special Dorktales Storytime merch giveaway!Where would your child like to go with us on a future T.A.L.E. Tour? Grownups, you can submit that idea on their behalf for a chance to win a Dorktales Storytime merch prize pack.The giveaway is open to families in the USA, Canada, the UK, and Australia. If you live outside those regions and have a child who would love to participate, please reach out and we'll be happy to share a digital reward option.Last day to submit: Wednesday, February 25, 2026. Seven winners will be randomly selected and announced in a Mr. Redge Hotline episode on March 5.Learn more and submit your child's idea here: https://jonincharacter.com/tale-tour-adventure-playlist/CREDITS: This episode is a Jonincharacter production. It was produced by Molly Murphy and performed by Jonathan Cormur. Sound recording and production by Jermaine Hamilton at Pacific Grove Soundworks.DORKTALES MERCH PRIZE PACK GIVEAWAY! Enter by February 25, 2026. Find all the details about the giveaway here: https://jonincharacter.com/tale-tour-adventures-rewind/Support the showREACH OUT! Send us a TEXT: if your young listener has a question. Pls include their first name in the text. Your name/number is hidden so it's a safe way to reach out. Send us an email: dorktalesstorytime@gmail.com DM us on IG @dorktalesstorytime Library of Resources: https://dorktalesstorytime.aweb.page/Dorktales-Library-Card One time donation: https://www.buymeacoffee.com/dorktales Our Pod's Songs on Bandcamp: https://dorktalesstorytime.bandcamp.com/music Now, go be the hero of your own story and we'll see you next once-upon-a-time!

Sunday Service @ Grace Chapel, BangaloreWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

On todays episode Im joined by my good friend April as we both discuss our top 5 movies of 2025. Pls enjoy and remember to comment and leave a five star rating thank you

Some manufacturing businesses grow because of timing, technology, or market opportunity. Others endure because of values. In this episode of Machine Shop Mastery, I sit down with Bill Cox of Cox Manufacturing, a nearly 70-year-old family business whose legacy was forged through resilience, faith, and an unwavering commitment to people. Bill shares the remarkable origin story of Cox Manufacturing, which began with a single Swiss machine purchased at auction in the 1950s and grew into a high-volume precision operation shipping millions of parts each week. Along the way, the company played a quiet but critical role in some of the most important moments in American history, including supplying components for the Apollo space program. The conversation takes a deeply personal turn as Bill recounts losing his father at just 12 years old and being thrust into the business at an age when most kids are just learning multiplication. With guidance from his mother, Bill learned to read financial statements, understand inventory, and appreciate the connection between productivity, profitability, and people. We also explore the darker chapters of the journey: customer concentration, outsourcing, bankruptcies, negative net worth, and hitting personal and professional rock bottom. Bill speaks candidly about how faith reshaped his leadership, ultimately becoming the foundation for the company's purpose: love God, love people, and advance American manufacturing. This episode is a masterclass in long-term leadership, operational discipline, and values-driven growth. Whether you're a first-generation owner or stewarding a multi-generation legacy, Bill's story is a powerful reminder that the most enduring businesses are built on more than machines. You will want to hear this episode if you are interested in... (0:49) Bill Cox and the humble beginnings of Cox Manufacturing Co. (3:03) A snapshot of Cox Manufacturing Co. as it stands today (4:27) Cox Manufacturing's origin story and growth (11:06) Unlock real sales opportunities in your market with Factur (13:06) What fueled early growth and whether it was truly linear (15:04) Bill recounts losing his father and his decision to carry the business forward (17:34) Learning inventory, P&Ls, and why monthly WIP matters (18:58) Growing up in the shop and starting hands-on work at age 14 (23:07) Choosing engineering education while planning to return to the business (25:11) Early investments in multi-spindle machines and scaling for volume (27:48) Losing major customers to outsourcing and surviving the oil downturn (29:18) Hitting financial rock bottom and selling a personal home to save the business (30:00) Faith, humility, and a leadership reset during the hardest years (31:02) A pivotal CNC investment that unlocked new capabilities (32:04) Why you need to come to the 2026 IMTS Exhibitor Workshop (34:09) Finding success with sales representatives and internet marketing (41:12) The evolving challenge of hiring and developing skilled machinists (42:13) Launching a registered apprenticeship program and internal training systems (43:11) Using personality profiling to place people in the right roles (45:25) Tracking value-added labor and understanding true profitability (50:55 Transparency, open-book management, and department-level accountability (52:46) Bill shares the company's purpose: love God, love people, and advance manufacturing (54:40) Advice for shop owners: don't be an island, seek peers and community (56:48) Where to learn more about Cox Manufacturing and explore shop tours (57:22) Why you need to listen to the Lights Out podcast Resources & People Mentioned Get a free custom report from Factur: Unlock Real Sales Opportunities in Your Market Register for the 2026 IMTS Exhibitor Workshop The Culture Index The Predictive Index Connect with Bill Cox Connect on LinkedIn Cox Manufacturing Connect With Machine Shop Mastery The website LinkedIn YouTube Instagram Subscribe to Machine Shop Mastery on Apple, Spotify Audio Production and Show Notes by - PODCAST FAST TRACK

Send us a textWelcome to the T.A.L.E. Tour Rewind! In The Magical Minivan, Jonathan and Redge return to the extraordinary vehicle that launched their adventures. It is part home, part library, part snack station, and powered by imagination. Sometimes the magic begins before you even arrive.Find the full Magical Minivan Episode: https://jonincharacter.com/magical-minivan-tale/ We're celebrating 2026 and the T.A.L.E. Tour Rewind with a special Dorktales Storytime merch giveaway ahead of Season 7. Listeners are invited to imagine where they'd go on a future T.A.L.E. Tour. Grownups can submit a child's idea to dorktalesstorytime@gmail.com for a chance to win a Dorktales Storytime prize pack. This giveaway is open to residents of the USA, Canada, UK, and Australia. Families outside these regions may contact us about a digital reward option.Last day to submit: Wednesday, February 25, 2026.Seven winners will be randomly selected and announced in a Mr. Redge Hotline episode dropping March 5. Full details and submission info can be found here: https://jonincharacter.com/tale-tour-adventure-playlist/CREDITS: This episode is a Jonincharacter production. It was produced by Molly Murphy and performed by Jonathan Cormur. Sound recording and production by Jermaine Hamilton at Pacific Grove Soundworks.MERCH GIVEAWAY! Enter by February 25, 2026. Find all the details about the Dorktales Merch Giveaway here: https://jonincharacter.com/tale-tour-adventures-rewind/Support the showREACH OUT! Send us a TEXT: if your young listener has a question. Pls include their first name in the text. Your name/number is hidden so it's a safe way to reach out. Send us an email: dorktalesstorytime@gmail.com DM us on IG @dorktalesstorytime Library of Resources: https://dorktalesstorytime.aweb.page/Dorktales-Library-Card One time donation: https://www.buymeacoffee.com/dorktales Our Pod's Songs on Bandcamp: https://dorktalesstorytime.bandcamp.com/music Now, go be the hero of your own story and we'll see you next once-upon-a-time!

This one's got HEART. In Episode 266 of The Geoholics, we sit down with Dustin Gardner, PLS—a guy who somehow combined American literature, math, criminal justice, surveying, fatherhood, service, and storytelling into one damn good life. From San Diego roots to EV infrastructure projects… From survey outreach and historical preservation to mentoring foster youth… From fishing with his son to writing books that challenge how we think about purpose… Dustin is living proof that surveying isn't just lines, points, and coordinates—it's context, character, and contribution. We talk career moments that make you stop and say “I belong here”, why teaching the next generation matters, how storytelling and surveying are basically cousins, and what it means to build a legacy that goes way beyond the job title. This episode will: -Inspire you -Ground you -Remind you why you got into this profession -And probably make you call a mentor you haven't talked to in a while Hit play. Trust us.  Music by Waylon Jennings!

Sunday Service @ Grace Chapel, BangaloreWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

Send us a textHappy New Year! Today we're sharing our participation in the Big Emotions: Kids Listen Mashups About Feelings.  This episode focuses on Belonging and Independence, two emotions that may seem opposite but often work together as children explore who they are and where they fit. You'll be guided through stories about friendship, self-discovery, and finding one's place while finding one's voice by Abbe Opher and Kelly MacBride from Koala Kids. You'll also hear familiar voices from Dorktales Storytime alongside our friends from Culture Kids and Stoopkid Stories.This theme closely reflects the heart of Dorktales Storytime, which centers on helping young listeners feel valued, supported, and encouraged as they grow into their unique selves.Download a worksheet for this episode: https://dorktale.s3.us-west-1.amazonaws.com/Ep+4+-+Belonging+and+Independence+-+Human+Bingo.pdfBig Emotions: Kids Listen Mashups About Feelings is a seven-part audio series created to help kids and grownups better understand, name, and talk about their feelings together. Each episode explores two connected emotions through imaginative stories contributed by children's podcasters from around the world. Discover the complete series on Big Emotions: https://pod.link/1502915722 Learn more about Kids Listen: https://kidslisten.org/What's Coming Soon: A brand-new year brings exciting things ahead, including T.A.L.E. Tour Rewinds, a new season, and exclusive fan surprises. Grownups, sign up for our newsletter to stay in the loop as details are announced: https://dorktalesstorytime.aweb.page/SignUpSupport the showREACH OUT! Send us a TEXT: if your young listener has a question. Pls include their first name in the text. Your name/number is hidden so it's a safe way to reach out. Send us an email: dorktalesstorytime@gmail.com DM us on IG @dorktalesstorytime Library of Resources: https://dorktalesstorytime.aweb.page/Dorktales-Library-Card One time donation: https://www.buymeacoffee.com/dorktales Our Pod's Songs on Bandcamp: https://dorktalesstorytime.bandcamp.com/music Now, go be the hero of your own story and we'll see you next once-upon-a-time!

Make it Louder! This is a Year Mix of 2025 Best tracks of the year by version of Make Some Music radio show with your host - Ruslan Radriges ♪ New EP "FIVE" with HUVAGEN ► 2rock.ffm.to/0311 ♪ Discover this episode: ► band.link/msm578 Also new music by Ruslan Radriges in playlist. Subscribe: ► soundcloud.com/ruslanradriges/sets/rrmusic Follow Ruslan Radriges: ♦Instagram ► instagram.com/ruslanradriges ♦Spotify ► spoti.fi/2pRImzg ♦Facebook ► facebook.com/RuslanRadriges ♦YouTube ► youtube.com/c/DjProduserRuslanRadriges ♦VK ► vk.com/ruslanradriges ♦Apple ► music.apple.com/ru/artist/ruslan-radriges/541431482 ♦SoundCloud: ► @ruslanradriges ♦Yandex ► music.yandex.ru/artist/3961521 ♦iTunes: > https://podcasts.apple.com/us/podcast/ruslan-radriges/id1480936940 #RuslanRadriges #MSM578 #YearMix TRACKLIST: Ruslan Radriges - Intro 01. Bulin & Honeyjohny - Hollow (Ruslan Radriges Remix) [2Rock] 02. Sevek - Mahaba [Future House Music] 03. Benassi Bros & Dhany - Hit My Heart (TR3NACRIA Remix) [Dvision] 04. Anton Pallmer & Synaptic Space - If I Wanted To [2Rock Techno] 05. Ruslan Radriges & Annie Sollange - Desert Heart [Interplay] 06. Timmy Trumpet x Zen it x ANYLIA - Afterglow [Monstercat] 07. Ruslan Radriges & T'eira - Can I Trust You [2Rock] 08. Swedish House Mafia - Wait So Long (REMIND Remix) [Aeterna] 09. Wildcrow - Favorito [Future House Music] 10. Ruslan Radriges & Huvagen - I Want To Hold You Tonight [Interplay] 11. Ruslan Radriges x Alexander Spark x Aniolku - Dreaming Of You [Interplay] 12. Skytech - The Rhythm [STMPD] 13. Ruslan Radriges & Huvagen - Future [Interplay] 14. Ayda - Supernova [2Rock] 15. Ruslan Radriges & Huvagen - Dance With Me [2Rock] 16. Alexander Spark & Alexander Turok - No Fear [Interplay] 17. OIDI - Burn For You [2Rock Techno] 18. R3HAB & Skytech - Hypnotising [STMPD] 19. KDH x Alan Shirahama x Sungyoo - Insane [On The Way] 20. Pascal Letoublon - Sacrifice [Future House Music] 21. Don Diablo - The Way I Are [Hexagon] 22. U-Jeen & Anton By & Inna JAYA - Better Off Alone [Interplay] 23. DubVision & Afrojack - Underwater (Festival Edit) [STMPD] 24. Ruslan Radriges & Huvagen - Alone [2Rock] 25. Artbat x Benny Benassi - Love Is Gonna Save Us [Dvision] 26. Roman Messer x Alexander Popov x FEEL - Moonlight Sonata (FEEL Remix) [Suanda] 27. Low Foam - Adagio For Strings [Multiverse] 28. Above & Beyond & Richard Bedford - Start A Fire [Anjunabeats] 29. SASH & LostVolts ft. Dare County - Thunderbolt [FeelQ] 30. Alexander Popov & Whiteout feat. VAILERI - Need To Feel Loved (Ruslan Radriges Remix) [Interplay] 31. Freak E Beatz & Katty Heath - Close To You [A Tribute To Life] 32. Ruslan Radriges & Huvagen - Musica House [Interplay] 33. Jeffrey Sutorius x Cloudrider x VIBR - Set Me Free [Bodywrmr] 34. Anton By & AV - Need It [Interplay] 35. Dennis Sheperd x LK & Sarah Ikumu - Higher [A Tribute To Life] 36. Matisse & Sadko - Harmony [Monomark Music] 37. NERVO x Plastik Funk ft. Julia Temos - Talk About Us (Panuma Remix) [Future House Music] 38. PLS&TY & x.o.anne - Leave The Light On [Dim Mak] 39. Exxoulls ft. Kris Kiss -Paradigm Shift [On The Way] 40. Vipiem DJ - Every Word You Say [Revealed] 41. Yves V & Albert Harvey - Missing (Festival Mix) [Smash The House] 42. ZHU - Faded (HNTR Remix) [Broke] 43. R-CHY x JON T x Ian Sndrz - Don't Blink [Skink Music] 44. FEEL - Чудное Мгновенье [Suanda] 45. Argy x MEDUZA ft. Polly-Anna - Melodia [Aeterna] 46. Ruslan Radriges & Alexander Turok - Step Into The Night [2Rock B Side] 47. MK ft. Chrystal - Dior (CRUDE Remix) 48. HI-LO & Tai Woffinden - The Orange Theme [Armada] 49. Ruslan Radriges & WhiteLight - Move [Interplay] 50. Somnia x Ruslan Radriges - High In Your Low [2Rock] Ruslan Radriges - Outro

Sunday Service @ Grace Chapel, BangaloreWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

Christmas Service @ Grace Chapel, BangaloreWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

Tiff and Trish discuss the need-to-know info for the buyer of a practice, including team member transparency, new patient inflow, software use, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:01) Hello Dental A Team listeners. We are back again I have Trish with me because I freaking adore her and I the we just recorded a podcast We record a few at a time. You guys know that I batch them It's called efficiency and that will be on my tombstone per Kiera. She tells me that every day It will it will if it's any vision. I'm like, oh my gosh, this is like grating cheese by hand like come on anyways   We are here today and we just recorded a podcast. So these are kind of serendipitous that they're back to back and it ended up this way in a weird way. So I don't have to go down that rabbit hole, but we just recorded a podcast on this seller's perspective of how to ensure that you're always ready and prepped to sell no matter where you're at in your journey, making sure that 10, 20, 30, five, two years down the road, you can sell your practice and that it's not as...   as stressful an event as it would be if you were unprepared. So I can't say we can remove all the stress. I can say that we can remove some stress that is just unnecessary. So today, now, I really wanted to look at the buyer's perspective. And we kind of hit on both a little bit on the last one, but this one's gonna be a little bit different. So make sure that you listen to both. Doesn't matter which order, I don't think. We'll find out by the end and I'll tell you if you should have listened to the other one first.   I know, I know, inefficient, but it's okay. So Trish and I are here today. You guys know I adore Trish. If you just listened to the Sellers one, which you should, ⁓ you heard me just rave about Trish. And Trish, love, I realized when I was recording with Monica a couple of weeks ago, which those were fantastic, you guys, if you need information and ⁓ ideas on training your team and operations manual, et cetera, all those pieces, Monica has some stellar ideas over there. But I realized Trish, while I was   Recording with Monica, I love podcasting. I love this aspect. I'm just a weirdo like that. But I love podcasting with you guys. And I realized in the beginning ⁓ with Monica, it was our first time podcasting together. And it was the first time that I got to rave about Monica and just really say all of the things that I love about her and I think is just so incredible about her with her consulting and just who she is as a human.   And I get to do that with you guys here in this platform. And Trish, you're one of my favorite people to rave about. love all of our consultants. You guys hear me rave about them, but Trish is such an incredible human being. It is impossible to describe you. You're just multifaceted. And I realized this is my brag session time. And I'm like this, I love it. It makes me so happy inside.   DAT Trish Ackerman (02:37) Thank   I that.   The Dental A Team (02:49) to just watch you guys thrive and to get to just tell the dental community how amazing you guys are and how special it is for them to get to hear from you and to get you guys in person with them and working with their teams and the leadership that changes the profitability that I've seen come out of everyone's work is so cool. And I realized with Monica, I'm like,   this is why I love podcasting with them because I love getting to love on you guys. It's just so cool. So thank you for, I hope so. Dana's over there. just always like ask her about workout stuff, you know, and I'm like, she's, I love on her too, but I'm always like, what's your hair product? What's your, what's your workout? It's fine. It's fine. ⁓ so thank you for letting me have this space Trish and for, ⁓ always being open to all of the things that I need. ⁓ your,   DAT Trish Ackerman (03:19) We'll take it.   Thank   The Dental A Team (03:43) one of those people that I know I can trust to just be myself. So thank you for that. Thank you for being here today. Of course, of course. I love my job. So with that said, number one piece of suggestion that I have before we get into this buyer side, Kiera and I, have been at this for a little while with the Dental A Team and   DAT Trish Ackerman (03:46) You're welcome to attend, thank you.   The Dental A Team (04:06) Carers Dental Consulting and Dental Masters and whatever name we decide it's been the Dental A Team for a long time and it's going to stick the Dental A Team, it's not changing. But we have had a couple of renditions and one piece that I know we have gotten really, really good at, but that we've really had to work hard at. And from a buyer's perspective, a seller's perspective, I think this is insanely relative, the people. We have worked really, really hard at the people aspect and   pouring ourselves into the people and figuring out that that's actually what we love to do. We love to consult. We love to be with the teams and the doctors and we love to see all of those pieces. I love being on stage. I do. But pouring into our team and creating a business that's not solely dependent on Kiera and I and a company that could thrive if we're on the road, if we're on vacation, that has been a massive transition in our company.   And once we realized that and we got really good at it, we started attracting some really, really cool people. And Trish, you're one of those people and you do not shy away from letting us know that it's working ⁓ or letting me know when I'm not on my best A game of that. And I love that about you. And I love that about our team. think I can count on any one of you ladies to be that person for me. thank you.   And doctors and business owners out there, think this is a huge piece of selling or buying a practice. And Trish, you mentioned that towards the end of our sellers one is the team and really making sure that the team is there for the longterm, but they're really supportive. know if, you know, we built this company to be a sellable company. That's a known fact. It would be wild for us not to do that. It does not mean that Kiera is selling the company tomorrow, but she could.   if she needed or wanted to. And Trish, from a team perspective, just real quick to hit on that, as a team perspective, how does that make you feel ⁓ for the doctors and practice owners out there to kind of hear?   DAT Trish Ackerman (06:13) You know, this is a hot topic. I won't go down bunny holes, but I have seen many, I've been with a lot of doctors that have purchased a practice and they have acquired that team. And I've seen the bright side of it and I've seen the dark side. The bright side is what I'd like to share today because we'll put the light on that. And I also do want to, I want to add something to what you just said, Tiff, about how you and Kira are also feeling like   The Dental A Team (06:26) Yeah.   DAT Trish Ackerman (06:42) you're in a different space now in the company because of the people. But I also want to remind you that that is something that you and Kira, you built that. You built, it didn't just happen. You guys built that. you do have to, like for Kira, there is a level of trust that has to take place. And I'm sure it's really difficult. I mean, this is a livelihood. And this is the same for these dental practices. So when a buyer is coming in,   Typically they do acquire a team and it is the responsibility of the selling doctor to be very transparent. We can't leave team members out when they get shocked and just told I sold and there's a buyer coming in there. could we I've seen I've seen entire teams walk out like, okay, we're out. We're not we're not dealing with it. But when there is a lot of transparency introduction to the incoming potential buyer, sometimes they haven't even bought yet.   The Dental A Team (07:30) Yeah, thumbs up.   Yeah.   Yeah.   DAT Trish Ackerman (07:41) ⁓   and just letting the team, ensuring that the team knows that they're going to be safe. They're to be safe. There's change coming, but they are going to be okay. And if they value and adore their doctor, which many of these team members do obviously, and if they've been there for a long time, then they also want to be part of that support. So being a part of this whole process is, I always say number one, like start there.   The Dental A Team (08:07) Yeah, I totally agree. I love that. So taking that to the next layer, right, as a buyer, I think that would be a a great inquiry when looking at practices, right of what is the team's knowledge on this situation? Do they know that you're selling? How far into those conversations argue how prepared is the team? And really like, what am I walking into? I think is massive. think if you were dating,   and you are on whatever dating platform, because that's where you're finding people these days, right? And it's like, yeah, I have three kids. It's like, cool, what am I walking into? You would not just walk blindly into a family and expect everything to be just fine. It would be, you know, there's a, yeah, yeah. Like there's a courting period for both, for the parents, right? For the...   DAT Trish Ackerman (08:53) no family.   The Dental A Team (09:03) boyfriend, girlfriend, whatever it is, right? And the kids, there's a courting period for all of it. And they think that we devalue that in the buying and selling situation. I think, that was great perspective. If I'm a buyer, that's definitely a great question and inquiry to ask. And I think when you're adding additional practices, we have a lot of dentists, a lot of doctors who want to, they have their flagship and they want to expand and they want to reach more communities. And so they're adding,   another family and now we're the Brady Bunch and we're meshing these two families together, but not having that knowledge of who am I meshing into the family I already have. There hasn't been a courting period. Could be really, really dangerous.   DAT Trish Ackerman (09:44) Yeah, I can. And like, where is this new practice going to be? Like, there's so many things to look at here, but we can cover that today. And I'm so happy that we started with the team piece though, because I just want to have that all over. If you're wanting to buy a practice, where's the team, team, team? Who are you adopting?   The Dental A Team (09:45) Yeah.   Yeah,   yeah, yeah, who are you adopting? love that. And who are you expecting your current team to befriend? They've got to, you know, even if your practices are, they're never, they're never going to quote unquote work together. Not how, if you've got multiple practices that don't communicate, that don't have anything to do with each other, that's a lot of, in my opinion, that's a lot of stress. I think that's like, if we're gonna continue the dating theory, right? That's like having your family.   And then you start a second family. And you have a wife, kids, a dog, and you have a wife, kids, and a dog, and you're trying to keep these two lives separate from knowing each other. That's a lot of stress. That's a lot of work, and it's just completely unnecessary. You can adopt this practice as team and welcome them into the family that you have, as long as you already have worked on that culture. And I think if you're expanding...   Practices you're buying additional practices that culture piece has to be intact your systems have to be intact So I think buying additional practices is a fantastic idea if that's your journey That's the the road the path that you want to take and you've been called for it do it But look at those pieces so from we talked the seller's perspective earlier And I think sellers and buyers perspective is super similar just like we we had said it's like buying a house so if you're buying a house or you're selling a house you're kind of   Selling a house, you're thinking what's the buyer looking at? And as the buyer, you're looking at these pieces and how is it valuable to you? And Trish, some things that you had mentioned before was the patient base, making sure it's a healthy patient base. I think from a buyer's perspective, it's active patient base, but also then new patients coming in. Are they still getting new patients? Because that's where a lot of your diagnosis is going to come from. And then healthy profit and collections.   are huge. We've already talked about the courting of the team. What does the team know? How are they going to support the cell? I think is a great question. How is your team prepared to support the cell and making sure they're on board? But Trish, when it comes to the, I think the profit in the AR is probably for most buyers, a massive question mark. And when it comes to that as a   a doctor coming in, even if they're going to partner maybe, but buying that additional practice to come on board with yours, what are some pieces that you really look for within the profit or the collections and maybe even down to like software if you're adding an additional practice, what are some pieces you would advise your teams and your doctors to look up?   DAT Trish Ackerman (12:36) Before I even would go there, would first need to know what, like, what is the philosophy of this dentist? What kind of dentistry is he wanting to do? And there's, you know, we could, anybody can find a profitable practice somewhere close to them even. But if you're a, if you're a doctor that like wants to do heavy surgeries and you're all on fours and the big time stuff, but you find a practice that has a great patient base, good profit and all that stuff by a college.   then that might not be the right demographics for you. So like that is something that you even have to look at first. What type of patient base are you trying to attract? And what type of patient base, if you find the one that is Purcell, okay, good profit, team's healthy, accounts receivable is on point, but it's a patient base that is not going to be super open to your philosophy of dentistry, then that could be painful.   So that is also something, it might be a great deal, but that we'd be very careful about what's actually inside that patient base and if it's gonna align with the type of dentistry that we're looking to do.   The Dental A Team (13:36) Agreed.   Yeah.   I think that's like buying, you've found your perfect house. You're like, my gosh, this is the elevation that I want. It is white with black trim. It's got an acre of land, which is impossible to find and all the upgrades inside, right? This literally happened yesterday. I'm like, this is the house, but exactly, right? Like it's like backing a busy street and it's.   DAT Trish Ackerman (14:06) They a train track above it.   The Dental A Team (14:13) almost 20 minutes away from where we need to be. Right. So it's like, it's like finding your perfect home and you're like, this is the one, but it's completely outside of our school district or our, know, it's adding 20 minutes of Camille. I've done that. I have literally done that. And you guys, it was hard and it was unnecessary stress because there are more out there. So I love that you mentioned that because it's shiny objects syndrome, right?   Like that shiny object comes and it looks perfect. It's packaged beautifully, but underneath that shiny exterior is hiding something underneath that is gonna cause a lot of pain in the end. And I think that is the perfect statement there. Like watch for what it is that you want to do. Know what your philosophy is. What is it that you want to do with your dentistry?   DAT Trish Ackerman (15:08) Yep. And you can get there. It's not that they can't, but in order to get there, it's going to take some remolding of yourself temporarily. again, I'm going to use the high surgical doctor that wants to do lots of surgeries, lots of implants, but these patients have only seen one tooth dentistry and they've been patients for 20 years. We can introduce that after a couple of re-care cycles.   We need to kind of mesh with the selling doctor and the dentistry that he did and build the relationship first. So as long as the buyer can be patient, can accept that, then it can work. It can work. And it's not that difficult to do. I do think that that's when we come in very handy because that requires a lot of coaching. That does require accountability on their philosophy, behavior change.   And that's again, I mean, I don't want to totally toot our horn, but I will when it comes to that piece, because I think we do an excellent job coaching the doctors through situations like that.   The Dental A Team (16:14) Yeah, I totally agree. I've worked with a practice similar to this that came on board after purchasing the practice and ⁓ high aspirations and wants so much CE and wants to do all of these things within his dental philosophy that I am totally on board with. Although the purchase of the practice was a practice that just isn't, it wasn't ready yet. And there were a massive amount of patients, honestly, thriving.   on patient base 3000 patients within their database and very healthy active patient base. So the reactivation, the re care, like it was, it was easy to get that thing turning, but it took two to three re care cycles before he gets really start diagnosing the things that he wanted to diagnose. And just purchasing, this was a brand new practice first, you know, first time he's owned a practice. And I was like, you, you want to go in.   and you want to ramp up marketing and you want to replace the patients with the patients that you want. I hear you. I hear you. But financially and profit wise, that's not the way. And that's where, like you said, Trish, the coaching really came in handy because it was an easy space to gently add in the things that.   that he wanted and that he needed with the patient base, weeding out the patients that weren't gonna be okay with it, keeping the patients that were and now being ready to implement some marketing in a few months. know, it's still about a year and a half out from original ownership of this practice. Now we're ready to start marketing, but we had to get there because the finances had to make sense. And so I love that you say that, because I think a lot of people think it's totally fine. Like I can fix him.   Yeah, those things bother me, but we'll train it out of them. it's not really the patient base that I want, but I can replace it with new ones. Can you? Because if you're next to a college, like Trish said, you might not be able to do it as quickly as you need to. And honestly and truly, you may not be able to do it. So I love that analogy.   When it comes to profit in the AR, I think that's an easy space for doctors to look at that they kind of freak out about. But again, Trish, like you said, when you've got somebody behind you, you've got a coach. I know we've helped a lot of practices purchase their, not helped them purchase their practice, but really helped look at the pieces of it. It is an easy space for us to see healthy, not healthy when it comes to finances.   pulling the reports and kind of like going in and getting all the pieces, not our jam. That's not the type of consultants that we are, but we are the type of consultants that will walk you through step by step on what to look for. We will help look at P &Ls. We will help look at the overhead costs and the ⁓ health of the AR and credits like Trish mentioned, and really help to advise and give opinions. ⁓ But outside of that, for a buyer who's adding that practice,   I think you nailed it saying, what's your philosophy? Cause we're adding this practice. this going to be, is your philosophy that you want one of them to be GP and like bread and butter and you want the next one to be, you know, cosmetics. And is that the philosophy that we're going for? Like, what is that going to look like as a buyer? You've got to make that decision first, not while you're looking at practices. I think that would be really dangerous to not really know what you want and then go into it be like, well, this could be.   Well, is that what you want? So I love that. Something I think Trish that's kind of like simple that is often missed is software. What software are they using? Is this a software we know? Is it, is it one we're using? Is it one that we want to use? You know, Eagle soft compared to Dendrix or open dental compared to curve, like very, very different systems. Um, and this is wild. It's 2025, but there are still   Practices out there. I love them dearly. I love you guys. I love you so much all of you that are using paper They're not chartless and in this day and age the practices the doctors who own practices that are growing They're purchasing additional practices. You guys are like you're with it. The technology is there you've got CBT CT scans. You've got scanners. You've got Mobile everything you you're pulling up x-rays on your phone from your dental software and these   practices that you're purchasing, these practices that are out there are typically not gonna be super in alignment with that. So what is that reinvestment going to look like? And again, I think, Trish, back to the team aspect, can the team support it? Are they going to support it? Are they prepared to support it? ⁓ What do you think, Trish? What's your opinion on that?   DAT Trish Ackerman (21:07) Well,   I'm actually going through something similar right now. And here is my coaching around that. they're not paper, they're not paper, but they are dentrics and they have been dentrics for forever. I mean, honestly, think one of the team members has been there 20 years and this is all she knows. And that's okay. Okay, dentures is great. However, the new doctor who's been there 60 days   The Dental A Team (21:28) That's what you think. Yeah.   DAT Trish Ackerman (21:37) is ready to transition to either fuse or curve, one of the two. And we had a long discussion about this yesterday and I begged him, please pump the brakes on that. Because if you're buying a practice and you're acquiring the team and they're going through so much change as it is, and if you throw too much onto them and we go through a massive software shift like that, that could actually drive team members   to leave. I mean, I could. That's a huge shift or just a huge change. It's difficult. It doesn't mean that they don't get through it, but that's just another, that's just something else to really look at. Now, if it's paper, I kind of, would almost, I mean, that's a toughie, but I would almost say hold off for at least 90 days. Like just get in there, build the relationship with the team. I know that the Biden doctor would be chomping at the bit. We've got to some.   The Dental A Team (22:08) Absolutely.   DAT Trish Ackerman (22:36) some new technology in there when it comes to software. But when we're buying, those are still things that we do. Either we need to be super slow with and or have such a bond with the team and spoil them right out of the gate that they become our partners quickly. And that is also possible. It truly is possible. But again, building the relationship with the team. If you're going to throw a software change in there like that, then we need to be strategic on how and when.   The Dental A Team (22:39) Yeah.   Yeah. And I think that I agree and what is massive. agree. And going from Dentrix, you guys, like people who use Dentrix, I'm a Dentrix girl. ⁓ I used Dentrix for almost 20 years in practice and it is, yeah, Dentrix is like iPhones. I, in my opinion, Dentrix is like Apple. Once you're in it, you're just, you're sold. You're like, Dentrix is life. Apple is life. Right? Like I know my phone, the capabilities of my phone is so much more than what I have.   DAT Trish Ackerman (23:07) and what.   Good stuff.   The Dental A Team (23:35) but I am so infused and integrated into the Apple web. I can't imagine being out of it and not having an iPhone. Dentrix is very similar. So if you can relate, relate. ⁓ But I think Tresh what you mentioned that I agree. I totally agree. Waiting timeline, you guys. And we're really good at timelines. We are really great.   at taking all of the ideas that you want and being like, fantastic, let's build you a timeline. Let's get this charted for you. And then you know the path that you're going down. So reach out to us. Hello@TheDentalATeam.com. If you are a client, like talk to your consultant, that's what we are really, really good at that. But what you made me think of again is that courting process. Because if you're courting the team and the selling doctor and you're building a relationship with the selling doctor and the team ahead of the purchase,   you're already ahead of the game when it comes to that because they are ready to welcome you and support you. And if you've done it right, right, like I know that my boyfriend's kids will know that a dish goes in the dishwasher, right? It drives them nuts. A dish goes in the dishwasher, right? But that's already gonna be a known fact because there's a courting process, right? So what are the quirks? What are the things that   A team really needs to get to know about you. So it's not a complete shock when you come in. So anyways, I loved this. I, I loved the seller's perspective, but I love the buyer's perspective too. And really being able to see that. Yeah. Thank you Trish for all of that. If you were to pick say three action items for ⁓ someone who's thinking about adding a practice or buying a practice, what would the top three action items be for them?   DAT Trish Ackerman (25:04) I did so.   Really know your demographics. How far away is it from your other practice? If you're adding an additional practice, how far away is it? And what is the team going to do when you come in? How can you establish that team prior? And how can you get the trust and the buy-in from that team first? Because what you don't want is to buy a practice and then the team leave.   The Dental A Team (25:40) Yeah, yep, I love that. Demographics, location, team. Those are fantastic places. Yeah.   DAT Trish Ackerman (25:45) And then we look at everything else. But those   are the time I would start there and make sure that the demographics are good, the team is good, and then everything else we can work out and coach through.   The Dental A Team (25:49) Yeah.   okay.   Yeah, I totally agree with you. It makes me think of, of interviewing. always say, get the demographics out of the way first, because if your practice is too far for someone to drive, they're not willing to drive there. All of those other questions that you asked before you got there are null and void. They mean nothing. So save yourself some time, check the demographics, the locations you want patient base demographics, location base, and then you want team. So I love that. Thanks Trish.   DAT Trish Ackerman (26:23) Yep.   The Dental A Team (26:24) Okay, that's a wrap   guys. I hope you enjoyed this. You do not need to necessarily listen to the sellers first. So you're welcome. We wait until the end. I told you I would tell you. You can listen to them in whatever order you want to. But listen to them both. So that was your buyer's perspective. Trish, I love ⁓ bantering with you. Thank you so much for your perspectives and your wit. you guys, drop us five star review. Let us know what you loved. Let us know any other ideas you have or if you have purchase practice.   practices put them in the notes you guys because people again they really do read those if you have tips and tricks we want to hear them too we Learn these things from you guys as well. It's not just knowledge. We were born with this is from experience So go do the things Hello@TheDentalATeam.com You can head over to our website TheDentalATeam.com and you can actually schedule a free consultation with our team and we will be happy to help you in whatever ways we can and As Trish loves to say go be amazing   DAT Trish Ackerman (27:21) Thanks, Tiff.

Sunday Service @ Grace Chapel, BangaloreWith Pastors Michael and Chitra VargheseFor any further information, visit us at : www.gracechapel.org.inor please write to - info@gracechapel.org.inYouTube/ word of his grace broadcastFaceBook/Instagram - gracechapelbglrFaceBook/Instagram - superteensclubFor tithes and offerings, Pls use the below bank details : Name -Grace Chapel Acc No- 520101011534520IFSC code - UBIN0906204Type of Account- Savings Account Bank- Union Bank of India , Branch- Koramangala

Ostatni odcinek w tym sezonie i w 2025 roku poświęciłem edukacji w kawie. Pomogła mi w tym Marta Niwińska: „Dobry trener przede wszystkim cały czas uczy siebie, aby później skutecznie identyfikować potrzeby szkoleniowe u innych”.Linki:- Strona domowa- Instagram | X/Twitter- Mój drugi podcast „Bo czemu nie?”- Gość: Marta Niwińska- Beans and GrapesPartnerzy:- Palarnia kawy HAYB (w odcinku kod -10% na kawy i herbaty!)Prowadzący: Krzysztof KołaczMam prośbę: Oceń ten podcast w Apple Podcasts oraz na Spotify. Zostaw tyle gwiazdek, ile uznasz. Twoja opinia ma znaczenie!Zainteresowany współpracą? Pogadajmy! kawa@boczemunie.plSłuchaj, gdzie chcesz: Apple Podcasts | Spotify i przez RSS.Rozdziały:(00:00:11) INTRO(00:00:44) Wstępniak(00:01:50) Edukacja w kawie z Martą Niwińską(00:37:22) Co przyniesie przyszłość z AI?

Send us a textIt's Jolly Holly season, and everyone in town is brimming with holiday cheer. The Society of Bards and Balladeers has come together to build the festive set for their annual event. There's just one tiny problem: Redge has no idea what this year's show should be! From classic Quilliam Shakespeare plays, to poetry readings and ballets, to comedy jests and holiday whodunnits, they've already done it all. Just when Redge thinks the show won't go on, Jonathan has a brilliant idea. So cue the lights, sparkle the snowflakes, and raise the curtain for this ode to our friends in Once Upon a Time and a heart-full tribute to our listeners (that's YOU) who are the magic that makes our adventures so extraordinary.Jolly Holly Hedgehog Holiday, our original song is featured in this episode! The full song with lyrics is available on Bandcamp: https://dorktalesstorytime.bandcamp.com/album/jolly-holly-hedgehog-holiday Go to the episode webpage: https://jonincharacter.com/the-jolly-holly-herald/  GIFT FOR OUR FANS: Redge has a special video message for all of our listeners and you can download it here: https://bit.ly/2025RedgeHolidayMessageDOWNLOAD JOLLY HOLLY WORKSHEET: https://bit.ly/dorktalesEP125worksheet    IF YOU ENJOYED THIS STORY about Jolly Holly, you may also enjoy EP102: Pinocchio's Jolly Holly Jumble: https://jonincharacter.com/pinocchios-jolly-holly-jumble/ CREDITS: This episode is a Jonincharacter production. It was written and produced by Molly Murphy and performed by Jonathan Cormur. Sound recording and production by Jermaine Hamilton at Pacific Grove Soundworks.Four easy ways to support Dorktales to keep the mic on and the stories coming: donate, subscribe or follow, leave a review, tell a friend! All support links are here in the show notes below

In this episode, we discuss about troubles finding houses for rent and it's atrocities . We shared our personal experiences and troubles too. Ft senthil, jawa, durai.Pls provide your valuable feedback: https://docs.google.com/forms/d/e/1FAIpQLSeGTyFioBVIydUPkeTOVsovwzEDATSeBEA9PbQCq8ziy2DxFg/viewform

Send us a textJonathan and Redge come home in the middle of the day to find that the Folktale Forest folk are fast asleep and no one can wake them up! The mystery leads to Tinkerbell, who's created a pixie dust harvesting mix-up of magical proportions. In an attempt to fix things, she borrowed a bit of stardust and accidentally sent all of Once Upon a Time into a super-deep slumber. Determined to make things right, she and her friends put their clever tinkering skills to work, turning the season's first snowfall into an enchanted wake-up call.Go to the episode webpage: https://jonincharacter.com/pixie-dust-fuss/ GRAB YOUR FREE PDF list of conversation questions for this episode: https://dorktalesstorytime.aweb.page/ep124freePDF PARENTS, TEACHERS AND HOMESCHOOLERS: In Pixie Dust Fuss, Tinkerbell's earnest intentions to fix a problem goes awry puts the entire land into a deep slumber. Through her journey to set things right kids learn about responsibility, problem-solving, and the importance of asking for help when things go wrong. The story highlights how mistakes can become meaningful learning moments when approached with openness and honesty.IF YOU ENJOYED THIS STORY about a fairy, you'll also enjoy this story about Hesper, the Fairy of the Evening Star, in episode 75: Once Upon a Lullaby: https://jonincharacter.com/once-upon-a-lullaby/   CREDITS: This episode is a Jonincharacter production. It was written by Monique Hafen Adams, edited, directed and produced by Molly Murphy.  Monique Hafen Adams voiced Tinkerbell and all other characters were performed by Jonathan Cormur. Sound recording and production by Jermaine Hamilton at Pacific Grove Soundworks.Four easy ways to support Dorktales to keep the mic on and the stories coming: donate, subscribe or follow, leave a review, tell a friend! All support links are here in the show notes below

01. Sebb Junior - We Got The Feelin' 02. Teed, Anotr - Sound of You 03. Chris Lake, Black Lotus - Favourite One 04. Dima Fefilov - Gradusi 05. Intr0Beatz - Inhale and Exhale 06. The Checkup, Wyatt Marshall - I ll Let You In 07. Twenty Six, Bandolero - Paris Latino 08. Crewcutz, Late Replies - Roomin 09. Philip George - Freak In Me 10. Mason - Papapapa 11. Catz 'N Dogz, Chandler, Brazen Barbie, Ben Miller - Run That Back 12. Airwolf Paradise, Adelphi Music Factory - Don't Hurt Me Baby 13. The Fog, Wh0 - Been A Long Time 14. Jon Billick - House My Life Up 15. Watchers - Pound For Pound 16. Saison, Black Widow - This Is the House 17. Soul Kandy - Johnny Deep 18. Vitess - Old to the New 19. Testone, 88 Birds - Catch You 20. Flex - So Fine 21. Selci - Counting At Sunset 22. Tecadence - Steppin' 23. Jay Vegas, Dj Kone & Marc Palacios - Good Of Days 24. Theos, Ruze - Let The Power 25. Jess Bays, Tcts - Going Next 26. Boon - To the Beat 27. Kevin Saunderson, Harry Romero, Reese, Santonio - The Sound 28. Giorgio V. - Tom's Club 29. Rico Slavic - Speechless 30. Mathias Kaden - Freedom 31. The Kollective, Nudo E Crudo - Bad Girl 32. Dante Tom, Sebb Junior - Key To Your Soul 33. Mat Zo, Olan, Fred Falke - Colours 34. Sebb Junior - The Stars Are Yours 35. Steve Robinson - Gonna Move It 36. Scott Diaz - Second Chances 37. Neviks - Lost in the Loop 38. Deephope - The Tree Of Life 39. Easttown - Heliconia 40. Yame - As I Ran 41. Neviks - Feelings 42. Soulfreq - Bout To Flow 43. Paul C - True Spirit 44. Broosk - Mistakes 45. The Cube Guys - Closer 46. Diplo, Sidepiece, Mediterane, Javi Reina - On My Mind 47. Inji, By Avedon, Nightfeelings - Big Up 48. Billie Eilish, Lewii - Bossa Nova 49. Max Kaluza - Desire 50. Hp Vince - Down & Dirty 51. War, Kyle Watson - Low Rider 52. Zsak - In My Soul 53. Stogov, Alexey Zhurba - Our Time 54. Gotsome - Get Together 55. Pato'S Groove, T-Bor, Jame Starck - Macao 56. Andrew Mathers - My Eyes 57. Bingil - No Reason 58. Dj Fresh, Used, Josh Hunter - Higher 59. Chris Damon - Supreme 60. Nukier - Drop It 61. Ki Creighton, Geovanni - Going Elegant 62. Fond8 - Play 63. Dj Fopp, Walterino - Do It 64. Modus - Get It Right 65. Feel Flow! - Give Me What I Want 66. Marix Green - Always Tech House 67. Cashew - All My Life 68. Pls&Ty, Thomas Daniel - Move 69. Zaark - Ghostbusters 70. Block & Crown, Jesus Davila - Can't Get Enough 71. Paco Caniza - Mirage 72. Sebb Junior - Body Language 73. Najjin - Follow Me 74. Sanxez - Emotions 75. Kroose - Free My Soul 76. Avicii, Sebastien Drums, Mark Knight - My Feelings For You 77. Jordan House - It's Our Time

Welcome back! After 4 incredible years, Eye On Franchising is officially becoming the Franchise Fit Podcast — because it's ALL about finding the right franchise fit.And today's episode is a MUST-WATCH.We're talking fake grass… real cash.

t's been 1 year since the Wes Huff and Billy Carson debate. A lot has changed since... It's incredible that God chose my podcast to usher in millions back to Himself. In this show I take the first 15 minutes to reflect over this past year and then I have the original debate play out. Enjoy! What is something you noticed this time that you didn't notice the first time? Share with me in the comments below!  Thank you all for making our podcast Elevating Beyond with Mark Minard, in the top #100 on iTunes, Apple Podcasts, Spotify , and In over 52 difference countries :

Tiff and Kristy provide guidance on how to assess your practice's financial health as 2025 begins to wrap up (and what to start thinking about for 2026). They touch on… Reviewing those P&Ls monthly Aligning spending habits Keeping emotions in check And more! Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review The Dental A Team (00:01) Hello, Dental A Team listeners. I am so excited to be here with you today. I truly love this portion of what we get to do in our worlds and getting to get you so much valuable information out to the masses is something that Dental A Team has worked and strived just so hard to achieve in our.   consulting world of just getting you all this information and I have with me today one of my faves. I seriously, I have the most amazing consulting team and if you guys haven't heard from all of them yet, you soon will and if you don't know them personally yet, they're not your consultants. I hope that you get to meet every single one of us even if you're just coming to the events, however it is, but I...   have a personal favorite here for recording podcasts with. She calms me, she just keeps the energy light and fresh and I love any time that we get together. Kristy, thank you so much for being here today. How are you doing? The weather is like weird today. I always tell everybody about the Arizona weather and it's so much fun to have everybody here in the same place. We all live in Arizona in the Phoenix area. Jane is down in the Tucson area, but.   We really love it. And Kristy, how's your world over there? You're just in the beautiful little pocket of Phoenix. And how is it?   DAT Kristy (01:23) Yeah, it's awesome. I love that you say that because we do pride ourselves on the weather here, right? But even with that, this weekend we got a lot of rain, what they say the most in like seven years. Yet all of us, even as close as we are, we experience it so different, right? Like some places flooded. I didn't get flooding, thank goodness, but it downpoured. It was fun and it's made it for cool mornings. So we're taking it.   The Dental A Team (01:42) Yeah.   I agree. I agree that humidity is hitting us hard. So we're not super used to that, but it is making for some, some really beautiful mornings. totally agree. And yes, Britt and I were actually in Reno at our quarterly in-person traction event where we have a, implementer who comes in and leads it for us. And he helps us to build out the company structure and,   teaches and trains us on how to run large meetings like that. So it's always super cool. But we were up in Reno with Britt and or with Kiera Shelbi and Britt and I actually got stuck. Jenna got out. She got back to Denver, which is crazy because Denver always shuts down. And so she got back to Denver. But ⁓ we got stuck until Saturday because the airport was shut down. And then there was a storm in Vegas because we thought, OK, well, we'll fly to Vegas because it's only a five and a half hour drive from there and we'll still get home. And then ⁓   that flight got canceled too. So it was wild. was meant to be, got more time in Reno and got to spend a little bit more time with Kiera. So that was great, but it was kind of crazy. It's not usually Phoenix that disrupts the flight patterns. And it was a hundred percent Phoenix. There were so many flights canceled because so many planes were stuck here and other planes couldn't get in. So it was wild, Kristy. It was wild to watch it from afar. We just got like TikTok notifications and you know, news articles are like, my gosh, all the Waymo's stuck in the puddles and things like that. So.   DAT Kristy (03:15) Yeah,   they just stopped in the middle of the road like what the heck.   The Dental A Team (03:18) Yeah,   that's why whenever somebody says, you use the way most? I'm like, heck no, I have seen them stuck in the middle of intersections far too many times. I'm sure one day it's going to be fantastic, but I haven't built that trust muscle just yet.   DAT Kristy (03:30) Yeah, agree. Well, I'm glad you made it home safe. And ⁓ yeah, the humidity is odd for us too.   The Dental A Team (03:34) Thank you.   Yeah,   yeah, it totally is. And my son was like, Oh, you go to the East Coast enough, Mom, you're fine. Stop complaining. And I was like, Yeah, that's fair. That's fair. But but in the spirit of planning, we we truly had an amazing time really just one getting the time together as a leadership team and then to really looking and projecting like where are we at? What's Q4 going to look like? And then also kind of prepping and planning for 2026. So super relevant in this conversation here.   today and really looking at ⁓ practice health from a financial standpoint. And this is something that your CPAs and your financial advisors and all of those professionals should be looking at with you as well. This is the time of the year that we're really looking at what is this last year? Because we get to Q4 and it's like, well, it's kind of like the end of your senior year, right? You get to the end of your senior year of high school or college and you're like, well, everything's kind of basically submitted. So from here,   It's really just like, let's do our best and make sure that we really cross that finish line strong, but there's not a ton of pivots to be made to really change the game. So kind of prepping and planning. And I think looking ahead at 2026, putting in some really solid ways of checking in on that financial health, something that I've seen that, Kristy, I know you do this as well, but something I've seen a lot of clients really ramp up is a monthly pulse and even like,   weekly sometimes pulse on what the financials of a practice actually look like has really been beneficial in helping them to really reach those goals. And Kristy, you are really fantastic at figuring those financial goals out and then like backtracking them to see, okay, well, what do we need to do to get there? And how do you help practices really keep that financial pulse top of mind and that   running that way so that they're constantly looking at those numbers without feeling overwhelmed and also without losing sight of it. Because you know sometimes you do something too often, you start glazing over it. What's that fine balance that some some tactical tips that you have that you and your practices are working on right now?   DAT Kristy (05:52) Yeah, well, first and foremost, I believe that you have to be getting your P &Ls from your accountant monthly, right? We can't be waiting. I have seen some clients where they're begging for them for three months ago, you know, and it makes it really hard to stay on top of it if we're not getting them monthly. So first and foremost, make sure you're getting them from them monthly so that we can take a look at them and evaluate. And I like what you said, Tiff. ⁓   you can be, you can go over the top. It's a fine line, right? So I love looking at them every month and I'm not going to freak out if something's out of whack one month, but certainly let's look at the quarter, right? And make sure that those metrics are in alignment for the quarter. And to your point, I always like to speak in terms of like, we're going to crawl before we walk and we're going to walk before we run. Like,   In the crawling stage, let's just make sure where's your overhead, right? What percentage are we at there and what is our profit or EBITDA, so to speak, right? Where are we ranging there? That would be my first little steps to take and start looking at it.   The Dental A Team (07:10) Yeah, yeah, I totally agree. And I think what time of the month do you usually push for those PNLs to be received? I have my judgments, but what are yours?   DAT Kristy (07:21) like to say by the 15th. I'll give you a little grace and give you by the 20th, but the 15th is my ideal target.   The Dental A Team (07:28) Yeah, yeah. I think I'm a little stricter. If I don't have those CPAs reaching out to us by like the eighth to the 10th, I'm like, my gosh, how are we supposed to work with this? There's a lot of, and I ask that because there's a lot of clients out there that are getting them like the first week of the next, next month. And so maybe December, we're finally looking at October.   DAT Kristy (07:35) Thank   The Dental A Team (07:53) And that is like, gosh, such a lag that we've got these questions floating around of like, where's my cashflow TIF and how do I fix this, Kristy? And it's like, I don't know, because I don't have eyes on what's happening. The P &Ls should be much quicker and much cleaner than that. And realistically, it's just it's the bookkeeper going in and allocating the certain expenses to the category that they should be in. So it's time consuming.   but it shouldn't be too crazy. And if yours is too crazy, then we probably need to look at your spending. Do we need to dial back the number of orders that you're placing every month? Do we need to make sure that things are a little bit more simple on that side, that it can be done quicker? Because we wanna be able to make real-time adjustments as quickly as we can. If we're on a two-month lag.   then we're adjusting for two months ago, it could look totally different. And then next month we get two months ago and it's like, it was totally different. We didn't need to change it. And so we're just constantly spinning our wheels in that way if we're not getting the data fast enough. And that is, in my opinion, one of the easiest ways to ensure that you're financially healthy is really just ensuring, like you said, Kristy, that on an overtime basis, things are consistent and they're clear, that they make sense.   DAT Kristy (09:08) 100%. I like that you said push to the 10th, because obviously if, you know, in the walk or crawling stage, we're just learning, right? We have a little bit of buffer, but as we get to the top of our game, it should be more. And if everything is electronically done, it really is in there already. It's just a matter of organizing it, right?   The Dental A Team (09:30) Yeah, and I like to give myself the grace because I know or give them the grace. I typically know if we ask for it by the 10th, we're getting it by the 15th to the 20th. If I give them that leeway, they'll take it. And we know that's just how it works in that world. That's fine. We work with what we've got and figure it out. And I think it's a massive place to start, Kristy, is those P &Ls. And I think the P &Ls really outline   DAT Kristy (09:39) Thank   The Dental A Team (09:56) the financial health in so many different areas because it gives us insight to what is actually happening. Having those categories split out, we've talked about that a ton, we've done a ton of webinars on it and if you need help with that, reach out. We've got really simple sheets and documents that you can even send over to your bookkeepers and your CPAs that kind of outlines what we like it to look like so that it's simple to review.   But being able to see those over time is huge. I know I have a client that like one month was 48 % overhead and that's before Dr. Pay, that's before loans, right? And it's like, holy cow, we killed it. But then it's like, okay, but hold on, because the next month was 64%. So taking an average there because likely something got shifted, payments got posted, or I don't know, I've had some clients that's like, my gosh, I forgot to pay Henry Schein for two months. So then it's like that third month had this massive Henry Schein payment.   but over the quarter, it wasn't that bad. So making sure that we're looking at it month by month and over the quarter is huge. ⁓ Something that we've done, that we've ramped up ourselves and that we do ramp up with a lot of clients is really looking at our bank accounts constantly. And I know that Kiera and our financial team, they look at our bank accounts weekly on a weekly basis to make sure that everything makes sense, that things are.   where they're supposed to be that, you know, that we're not getting charged for things we shouldn't have been, et cetera, but then also that we're staying in alignment with the budget that we had set. And those budgets come from those P &Ls and those total numbers. Kristy, something I've realized recently in the recent years is while I was in practice, I would build our budgets for our spending. like our...   you know, five to 8 % for supplies or what have you or ortho budget, things like that. I would build it based off of our collections, air quotes on that word, and it would be our collections from Dendrix. I'd pull the collections for the last month. I'd build that budget based on the collections. And then Doc would be like, where's all the money? Like, well, I don't know, it should be there. But there's such caveats to what's been posted in Dendrix or your operating software.   compared to what's actually in QuickBooks, I found that I was running this like ragged race of trying to play catch up all the time with like even just the percentages for credit card fees and third party financing being taken out of our payments, just those simple tweaks make a massive difference. So building those budgets, Kristy, off of our actual P &L numbers, our actual QuickBooks collections has...   made a massive difference, I know, for a lot of my clients. How do you see that working for clients? And also, how do you see that working with a leadership team that maybe doesn't have access to or not looking at those P &Ls together? How do you suggest for financial stability and health in the practice, they really get that information down to the people that need it?   DAT Kristy (13:08) Yeah, absolutely. One of the things, ⁓ well, there's a couple things. We at Dental A Team keep scorecards for our clients and it could be as simple as adding that line in there and having the doctor put that dollar amount and having the budget calculate right there. Everybody can see it. They know what to spend. The other thing to that point Tiff is,   You know, a lot of times we look at the practice management, we see our collections, but how many times do we reconcile it with our QuickBooks? Like, really look at that and see. And obviously, just like you said, it could be a matter of when something was posted or when it came in, right, to the bank account. But I think that's an area that sometimes is overlooked. You know, there can be variance in there, obviously, for when things post, but...   what is that variance and how consistent are we having that variance? again, depending on which method you're using, if you're using the collections from your PMS or the collections that are posted in the P &L, we better be clear what that difference is and ⁓ account for it for sure. Right.   The Dental A Team (14:25) Totally agree.   And you actually reminded me just last week, I was in an office and I was like, what is happening here? I was going through their P and L and I'm like, okay, we've got, we've had some changes in the office. We've got some places that it was decreasing. Some places we spent more, some places we actively spent more on purpose. Like, but things just weren't adding up with what was coming through from the software. And I realized after an hour and a half of digging, I'm like, why is...   I put a line items, I updated the scorecard and I put a line item for like QuickBooks collections and then the PMS collections. And in comparison, I had it subtract and like tell me the difference in numbers. And there were months that were coming up $30,000 different that it looked like we collected $30,000 more in their software than what QuickBooks was showing us. Luckily, I know this office manager very well personally, like familiarly.   And I'm like, I know there's no conclusion to jump to here. Like something is not reporting correctly. And what I realized is they specifically use Dentrix. Dentrix will allocate any positive write-off or adjustment. if there's an adjustment that's adding money, it'll allocate it to production. If there's an adjustment that's removing money, it automatically adds it to collections.   So when you pull up the adjustment space in Dentrix, it'll show all positive production, all negative collections. So it was showing drastic differences. And so I was like, gosh, I totally forgot about this space in Dentrix that it does this. It's just, I call them the Dentrix-isms. It's just a Dentrix thing. It's very frustrating, but it just is what it is. So when I went through, I reallocated where the write-offs should be coming from. Now, caveat, messes up.   production collections for forever because it's now correcting it. So what you thought you had done, you didn't, and it fixes it. So the new numbers are more accurate, but you're going to be frustrated because it's different. But what it did when I did that and re-put in the collections numbers is that it brought that $30,000 difference down to a more manageable $1,200 to $3,000 difference, which is what we tend to see with the   care credit fees and all those different credit card processing fees, we typically see, I say like 5,000 or less, I'm not going to freak out about too much as long as it's inconsistent. I don't want to see consistency. I want to see really low numbers. And then again, sometimes some of that money is going to be pushed over to the next month. So quarterly, it made sense. Quarterly, it was beautiful. Month by month, it was a little wonky, but just making that   change because we were checking the financial health of the practice because things didn't feel like they were making sense. So we, the office manager and I pulled the full year's PNL and we did line item by line item comparison 2024 to 2025 percentage change on each space, went through and figured out where the spending was, went through and line itemed everything and then added it like you said to the scorecard to see those differences, massive.   massive improvements where the docs were feeling like cashflow was like, ⁓ we were freaking out. And it was like, well, these are the areas where you intentionally spent money and were actually only a 16 % difference overall year to year. And they were like, ⁓ so we didn't increase enough, but their spending was purposeful for taxes. We just didn't look that way yet on paper.   Regarding financial health of the practice, that was exactly what we did, but adding it, like you said, to the scorecard and looking at, I think the scorecard's just really cool because it allows you to see over time. Whereas a new sheet is I'm only dealing with today. So I'm only looking at today. I might look at it and say, oh my gosh, my employee percentage was 42%. That's real life, I've seen that in an office. It was 42 % this month, and you're like, cut hours. But over the quarter, it was,   30 % or 31%. We had a spike because we had a collections dip or whatever. So I think adding it where you're seeing that kind of comparison allows you to see what is the trend here or is this an abnormality? Does this level itself out? Am I on track for over time or do I need to jump and hot fire? And Kristy with that said, like, you think, as I'm saying that I'm thinking,   Is that a space where we could even tame our emotions around finances? Because we're seeing so much data in a bigger spectrum where we can see trends, uptrends or downtrends, rather than this like, my gosh, payroll was so high, I've got to tackle that. It's allowing us to see a broader picture. Do you think that helps reduce some of the emotional, like just quick fixes?   DAT Kristy (19:34) Absolutely. And we don't want to react, right? Many times we go to that mindset of cut, cut, cut. you, and you know, one of the things that I learned a long time ago is you can't focus on the opposite. So if we're focused on cutting, then we're not focused on producing, right? And so yeah, you're 100 % right, Tiff. I think it does calm the reactionary, right? It's good to know, notice, but then look at the bigger picture.   The Dental A Team (19:48) Yeah.   Mmm.   Yeah, gorgeous. As I was talking like, my gosh, Kristy, that's why you do so well with coaching in my opinion, because you are very, very good at being data and results driven, acknowledging the emotional aspect and not discrediting that by any means, but being able to focus back to what the drivers are and then being able to acknowledge and address any emotions that are still present. But you do well removing that because   we're looking at data and data is non-emotional. You can come up with something and there's been so many times where I could think of so many offhand where I've data-drivenly discussed something with a client and they're like, ⁓ and the emotion kind of disintegrates, it dissipates because it was attached to what they thought to be true. And when they saw the reality, there was no need for that emotion anymore.   DAT Kristy (20:59) Exactly. Well, and to be honest with you, it goes both ways, right? It's the same thing as if we're only looking at the practice numbers, sometimes they think they're doing very well or not doing well, either one. And then once we look at the overhead numbers, it's like, actually, you're here, you know? So ⁓ it goes hand in hand both ways. I always like to say, you know, if I had a pizza business and I was going to sell pizzas,   The Dental A Team (21:18) Yeah. Yeah.   I love that.   DAT Kristy (21:29) I need to break it down and figure out what it cost me to make the pizza, then I can go sell the pizza. But so many times we don't do that and we just put it out in front of us, right? And then on the back end of it, we do have to measure how many pizzas did we sell and how much did we actually spend. Sometimes we forget to go back and look at the cost too.   The Dental A Team (21:34) Yup.   Yeah, wow, that's a very good point. Very good point, which is where the P &Ls come in handy and the line items. And I think the P &Ls will group it and lump it into categories, but every now and again, maybe like once a quarter or so, really looking at what are they putting in those categories so that one, you're making sure they're still super accurate from the bookkeeper and two, that you're not like Amazon spending. There was a couple clients that I saw.   DAT Kristy (21:56) Mm-hmm.   The Dental A Team (22:19) I'm like, what is going on? Why is this category so jumpy? One month it's massive, another month it's not, and they get lumped into office supplies and front office supplies, and all of a sudden it's $3,000 when realistically budgeting-wise it should be $1,200. I'm like, what is in here? And they're like, Amazon goes in there. Every time we want something or Doc says something, we just press the order. And I was like, ⁓   Got it, we need some systems around Amazon or Walmart. I've seen like, I just run to Walmart and I grab what we need every week. And I'm like, my gosh, there's weekly ordering will hurt you every single time. Any kind of weekly ordering. If you can't budget the ordering in a monthly fashion or maybe twice a month, I'll give leniency on twice a month, then we need to talk. Cause that weekly ordering will hurt you every single time.   I think this is all really good, Kristy. I love this. I love this. And I go ahead.   DAT Kristy (23:16) Yeah. I was   to say, I agree with you. mean, we can liken it to our own space if we go to the grocery store with a list or without a list. What is our end result when we pay? You know, so I'm with you. I'm with you. I'm like for dental supplies, we can go to twice a month, but have it fixed and then make sure you're staying within the confines of the budget.   The Dental A Team (23:27) Yeah.   Yes, yeah, that's actually brilliant. Yeah.   Yeah, I agree. And I think that was that was a super great thought process there. Because if you're not planning even your dinners, right, I'll plan my dinners for the week. So then I know what ingredients I need and what ingredients if I know what ingredients I need for specific dinners, I know what I can reuse as well. Otherwise, I'm going to the grocery store just kind of getting random things that I think I can make into something. And I'm ending up at the grocery store a couple times a week to replenish or, you know, supply those missing pieces.   And so if you know what your schedule is, if you know on average how many crowns you're doing, how many fillings you're doing, how many implants you're doing, you can have an average guesstimate of how much of each supply you need to keep on hand, which is then going into your budget for your ordering. So that was beautiful. Yeah, good job. All right, guys, financial health is massive. And it's something that I think all of us, Kristy,   Trish, Monica, Dana, myself, we all just work really, really hard to ensure that it's top of mind for all of our clients. But if you're here listening and you're not yet a client of ours and you're a Dental A Team podcast listener for life, we love you and we wanna make sure you have this information too. please, by all means, somewhere around the 10th of the month, because we know it's probably gonna go longer, make sure you've got those panels in there. Talk to your bookkeeper. If you are the bookkeeper, I have a couple clients like that.   Put it your calendar, you guys. If you are your own bookkeeper, that's fine. I'm not gonna judge you. I think it is a task that you can easily pay for, but I'm not here for that. If you are your bookkeeper, put it in your calendar and you should have that sucker done by like the fifth or the eighth of the month because everything should be closed out. Review your PNLs monthly and quarterly and yearly. Review your spending habits constantly. I have a lot of practices that'll look weekly.   I have a lot of practices that'll look monthly, whichever works best for you. Just make sure you're reviewing those spending habits and then budget for your team. So your supplies ordering, your front office, those are the easiest places to budget. Make sure that you've got an ortho budget added in there. If you have ortho fees and ortho costs that are outside of like Invisalign, things like that. I have a lot of practices that do bracket style ortho and they need a lot of supplies that has to be separated out.   Those are your pieces, you guys. Those are the easiest ways that you can tackle real life, real life, in time, financial health. And we want you to go do that. Kristy, thank you so much for your insight. You truly do so well with your clients and we get to see their progress constantly and those needles are always moving. And I know that it's because you can take that black and white results driven perspective. So thank you for everything you do for your clients and everything that you bring to Dental A Team every day.   DAT Kristy (26:33) Thank you, it's fun.   The Dental A Team (26:35) I know,   I know, I love watching you do it. You really do love it. And it makes me really happy. All right, guys, that's a wrap for today. Go leave us a five star review. Let us know what was super helpful. Maybe there's some tips and tricks you've got that you can share with the world. I'm telling you, people really do go read those. So if you have things in there, they will see them. You can drop us an email, Hello@TheDentalATeam.com. We'll be happy to get you over any documents that might help. We do have some.   budgeting information, we do have some overhead spreadsheets, things like that. If you need help with that, just reach out and we'll catch you next time on the Dental A Team podcast. Thanks guys!