Podcasts about pnl

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Tidalwave was born out of bringing production in-house for their e-commerce brand. While Bradley & Matt may have underestimated the gravity of this endeavor, they found greater value in the opportunities that came with it, propelling them to becoming the 37th fasting growing business in 2025. Topics of discussion include: grass being greener on the other side, having sales before skills, 3PL & fulfillment, utilizing twitter/X, focusing your customer profile, automations and equipment, print on demand, box robots, managing your PnL, and the value of friendship.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=pLde5j7B4dc Nieves Martínez te guía a través de activaciones energéticas, integración de cuerpos, descarga de códigos y sabiduría ancestral, para conectar cuerpo, alma y conciencia bajo el prisma de una espiritualidad auténtica y transformadora. Nieves Martínez Facilitadora en Desarrollo Humano y Comunicación en los procesos de cambio con PNL, Semiología de la Vida y Coaching, así como Terapeuta Holística cuántica, autora y canalizadora. https://nievesmartinez.com.mx/ / nieveslapazinterior / nieveslapazinterior Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

El Dr. Clare W. Graves en su libro “The Never Ending Quest” expresa que existen 8 estados o niveles de conciencia los cuales permiten entender la “visión del mundo” de las personas; estos estados no son fijos, entramos o salimos en ellos de acuerdo a las circunstancias que estemos viviendo en el momento.Conocer esta información no solo te permite saber en qué aspectos requieres trabajar, sino también como motivar o impulsar a tu equipo.Los 8 niveles de conciencia son:1.     Beige: Conciencia Instintiva. Haz lo que necesites para mantenerte vivo. Este nivel de conciencia sale en las situaciones de riesgo, es lo que te hace correr o pelear.2.     Púrpura: Conciencia Tribal. Busca la seguridad en el grupo. Necesita un grupo y a un líder para accionar, es un estado de conciencia muy común en países latinos.3.     Rojo: Conciencia de Poder.Busca el poder sobre los demás, es egocéntrico. Es líder por naturaleza, lamentablemente al ser egocéntrico comete el error de no escuchar a los demás.4.     Azul: Conciencia Normativa.Busca el orden y tener certeza en cada paso. Puede ser líder, las organizaciones antes funcionaban bajo el orden y planeación, actualmente si no tienes flexibilidad es poco probable sobresalir.5.     Naranja: Conciencia Práctica.Siempre está en movimiento, analiza y visualiza estrategias para prosperar. Emprendedor por naturaleza, por sus ganas de crecer y prosperar puede involucrarse en dos o más proyectos.6.     Verde: Conciencia Ecológica. Es igualitario y construye relaciones con otros. Busca la construcción de consensos, al ser igualitario no busca el poder, pero tampoco someterse a él.7.     Amarillo: Conciencia Integradora. Se preocupa por los sistemas que garanticen éxito para él y los demás. Es el líder flexible, vive siempre bajo la premisa “ganar-ganar”.8.     Turquesa: Conciencia Holística. Conectado a restaurar la armonía global.Muy pocas personas se han posicionado en este nivel, son grandes líderes que han compartido sus ideales con el mundo.Entender y aprovechar esta información será clave en la integración de tu equipo, ningún nivel es bueno o malo; por ejemplo, actualmente existen muchas personas que quieren cambiar el mundo, tienen ideas para mejorar el ambiente, pero se queda en ideas ya que carecen de conciencia naranja o roja que les permita accionar.

High-performing practices don't happen by accident, and in this episode, Kiera shares the steps that the most successful practices put in place to get there.  Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera and I hope today is just an incredible day for you. I hope you guys are ready to be on the podcast, whether you're driving, listening to us as a team meeting, going to work, going for a run, going on a hike, driving in the car, whatever it is. I hope today is just an incredible day and I hope you remember dentistry really is the greatest place for us to be. I'm so excited to podcast. I'm your host Kiera Dett and truly I'm excited to help you make dentistry more fun, to make your day more fun.   because we have done over a thousand episodes. So if there's ever anything you're struggling with in your practice, be sure to head on over to TheDentalATeam.com click on our podcast tab and make sure that you download whatever podcast it is. Like you can type in case acceptance or overhead or PNL or staffing or hiring or hygiene. And every single episode we have ever done in the archive of the thousands, literally of episodes we have done, they're there for you.   And I just want to say thanks. Thanks for hanging out with us. Thanks for being part of our Dental A Team podcast family. If this podcast is serving you, if it's helped you, if this made you laugh, if it made your practice better, be sure to leave us a review and share this in groups. Honestly, our mission is to positively impact the world of dentistry in the greatest way possible and get this podcast into the hands of every single dental office out there. So share and hey, let's have a great day today because I wanted to go through three systems that every productive practice has in place. And honestly, a lot of practices don't have them.   This is something where like these high-performing practices, they don't just happen by accident. They run on systems and most practices are missing these top three. Like truly I've walked into hundreds and thousands of offices and I'm shocked that they don't have these three simple easy ones in place for them. ⁓ These right systems are going to help drive consistency, reduce your stress, increase your profitability and they're very, very easy for practices to implement. Now, just because something's easy doesn't mean that practices...   actually do it. So I want you to be part of the elite. You're part of Dental A Team. Why not tell you the best of the best of the best? I mean, why not? Like you're here, you're listening. Let's make your time effort energies worth it. I'm on board. Are you on board? Cause I think it'd be great. guys Dental A Team was truly created for you. We are obsessed with building smart, scalable practices and systems to help you have the life that you want to live. We want to make teams and practices happier. We want to make patient experience happier. And this is something where we don't want you working harder.   One of our top core values in the Dental A Team is ease. We want everything to be easy. As team members ourselves, we don't want to put hard things into place for teams. We don't want doctors to be working late nights and not spending time with their families. We want you to be profitable, happy, successful with ease. So the first system that I found that we've talked about many times, and I'll just go to a high level today because there are deeper podcasts on it, but to kind of break this down into the three simple, sexy systems that are not so sexy, but they really truly will help you drive.   profit, efficiency, happiness. And the number one, da-da-da-da, I hope you're ready for it, is block scheduling. Like yes, block scheduling, it's crazy. ⁓ Literate people reach out to us just to help them with block scheduling. And I am shocked because block scheduling is something where you literally can put it together in such high value ease. ⁓ I'm obsessed, we do have a block schedule template that we work with our practices. And it's one of those things where we keep making it like,   more and more and more and more and more because we realize there's easier things to do on it. But just as a quick sample, I really, really, really love helping offices make this so fun. Like, let's make it easy for you. Let's make this exciting for you. So I'm actually going to do a share screen. So if you guys are watching, amazing, hey, welcome, I'm super happy. And if you're not, that's okay. What we're going to do is I'll walk you through it as well. So if you're listening, driving the car,   but I will also try to share this with you. So on here, what I've done is we have actually created these boxes for you to fill in, okay? So we fill in all the green boxes and on the left-hand side, what I have is basically all of your procedures in the practice, what they are, how much time it's going to take you and how much it's going to cost you on average. Now we want time, if crown prep and buildup, how much time is that going to take you? Well, fantastic, it's gonna be an hour and a half. Awesome, put that in.   How much is the cost approximately? Don't go for your highest fee and don't go for your lowest fee. We wanna go right in that like sweet spot, middle spot. And then what about what providers? Cause some providers do procedures and others don't. So put that in there. We also wanna look for our new patients, our SRPs, how many perio maintenance as we have active patients over the last 18 months and 12 months to make sure we have enough blocks for that. We wanna go through our current hygiene spaces and our weekly availability.   I want to look back at last year and see how many pro fees we did, how many SRPs, how many periomaintenances would be needed based on that. And then any specialty procedures we've got, then we look at how many hygiene hours we're going to need for new patients, how many SRPs, how many hour pro fees, how many periomaintenances, and then our goals if we want any of those specialties. So that's like master sheet number one. Then we move into Monday, Tuesday, Wednesday, Thursday, Friday. This is awesome. You actually start to look, you know, every single week I need X number of new patient spots, X number of SRP spots.   X number of procedures. And what I love to do is at the top of this ⁓ Excel spreadsheet that I'll show you, I actually put dollar amounts for how much each hygiene group be producing, how much our assistant only columns are, and how much our doctor columns are. So when we look at that, it will actually give us a total production based on how much that procedure should cost us. Now, of course I could have an endo here, but I also could have a couple crowns there. So it's just a dollar amount approximately what I'm trying to do. And then what was really amazing is we'll get to a grand total page.   tab that will tell us what does our weekly total equal. Then we do a monthly total based on four weeks, it's gonna break it down. So in this practice example, their weekly total is about 94,000. That means their monthly total is about 379, giving them an annual total of 4.5. What's wild on this is this is a real practice. These are real offices doing this. And what's insane is this practices are usually doing like three or four million and we're able to then add 500,000 or like 300,000 or an extra million.   just through great block scheduling. It's wild. It truly is something where they get out on time, they have less stress. We guide patients to the appointments. And this is where I obsess about showing all of you how to do block scheduling. It is literally a super easy, sexy, simple system that takes a little bit of planning, a little bit of prep work, but then you execute on it. And if you don't have one in place, this is something where you have got to get it in place. You've got to guide your patients where you want them to go. And like I said, this is one of the top three systems that   the productive practices are using, whereas the not so productive practices are not using it. People are like, it's too hard, Kara. Well, if it's too hard, reach out. Hello@TheDentalATeam.com. We literally work with offices. We put these into place. We bring in hundreds of thousands of dollars. So when people are curious about consulting ROI, I'm like, listen, I can easily go into your schedule. We can add hundreds of thousands of dollars with no extra effort on your part, just utilizing your schedule better. It's kind of like people when it's like, gosh, like that person can just get so much done in their day.   Well, it's the same thing with your schedule at your office. You can get so much more done in a day when you're just more effective, more efficient with your scheduling. So this is the framework that protects production in your practice. So audit your schedule, get block schedules in place. And if you are struggling with or heard this a million times, reach out, Hello@TheDentalATeam.com, book a complimentary practice assessment. We'll show you blind spots. We'll give you free tips.   We will literally help you whether you work with us or not. So there's really no cost to you, no effort other than you swallowing your you know and booking the call and saying like, hey, I've tried, I need help. And even if you can do it, what's your time worth to you? Doctors, you're producing five, six, $700 an hour. Well, think about it. If you can outsource that to a consultant, hashtag the Dental A Team, think of the ROI of your time. And I actually think it's a better use of your time to go produce.   and let us help your team put this into place. All right, system number two is my favorite thing, excellent handoffs. Excellent handoffs that are going to boost and increase your case acceptance. And we call that our sexy NDTR handoff. This is wild. I tell offices about it. They hear it on the podcast and they still don't use it. And I'm like, why? This is our 50 % to 100 % case acceptance. It literally does not need to be hard. It's how you're able to add same day treatment. It's how you're able to have better scheduling. It's how you're able to perfect your handoff.   from every single team member and that's to literally at the end of every exam, every appointment, tell them next visit, date to return, time needed for that appointment and is there re-care scheduled? NDTR, it's the magic formula. It literally boosts your case acceptance. It is not hard, it is simple to do. The only thing that's annoying about it is you have to remember to say it at the end of your procedure. But we've even made that easier and we throw it on your route slips. We put it on your computer, we put it in your exam notes. So you should not be forgetting and every team member should be prompting you for it.   I promise you, if you will just put this one system into place, you will see massive growth all the time when people are interviewing us to see if they want to work with us and we're interviewing them to see if they'd be a great client. I literally am never afraid when people are like, Kiera, can you cover your ROI? Like what's the ROI? And I'm like, well, on average we have it, started it out. Most of our practices within their first three months are seeing a 30 % increase in production just across the board. Okay. So now there's some that are 10%. There's some that are 50%.   all across, like on average of hundreds of offices, they're seeing a boost of 30%. Well, let's just say you are a million dollar practice today. That's an extra $300,000. We are not even like, are barely, you're like a 10X of what you're paying us versus what you're getting. And that to me is something that's so insanely valuable is you need to make sure that you're adding your consultant in who can add these results for you. And we do it through non-sexy ways. Like, hey, let me give you an awesome handoff to say at the end of the procedure that's going to   and eliminate the excuses a patient's going to bring to you, but it's going to help teep all of your treatment. It's going to make your handoffs perfect. It's going to make it to where patients want to say yes to you. I've literally watched them leave the operatory and they don't get operatory like hallway amnesia. They literally like our little robots and they walk right up front and they're like, hey, Dr. Smith wants to see me back for that crown in two weeks for an hour and I need to get my cleaning scheduled. And they just smile. And you're like, where did you come from? And why did not all of my patients do this?   is because you don't have this in and it's something that's so easy to do and yet most practices don't do it. So I would recommend every one of you, doctors, add it in. I want you to look at that exam room when you walk into it, every hygiene room, every time you walk through the door, you are just going to say it every single time and you will be shocked at how great your case acceptance goes, but not even just your case exceptions, your patient's happiness. They're not confused. Where do start? Why is dentistry so confusing? Why do I not want to do this? You've literally given them the roadmap.   eliminated half of their excuses that they're going to go up and have objections. Treatment coordinator like, here teach me how to get over objections. I'm like, hey, just have a better exam. And 50 % of those objections are already gone. They're not confused. They don't have amnesia. They know exactly where to go. And then we ask them, what questions do you have for me? I want you to be rock solid moving forward. You told them we're moving forward. It's not a question of are we doing dentistry or not. It's, hey, we're doing dentistry. Next step is going to be, you can talk about how you want to finance it. But what questions do you have for me? I want you rock solid moving forward.   This is how the elite practices do it. You guys wanna know? I've been in hundreds of offices and I'm here to show these are the three sexy systems that your practice needs to have in place. All right, get it done, get that in place. And if you're struggling, this is something we teach to teams. We get the whole team on board, because sometimes you listening, trying to get your team bought in, sometimes that's hard. So fly in an expert, we'll come and train your team. There we go. That was a little bit of a tongue twister. We will train your team to do this.   to have great case acceptance. And this is how we're able to add in one practice, we added $25,000 in one day just by doing this. All right, system number three, this is going to sound so silly, but a morning huddle that's truly a huddle that drives performance and alignment. Like literally this is what we do in office. We cut our morning huddle and I'm like, rock on, you cut out your secret treasure trove. Like this is something that can take five minutes, 10 minutes, and our job is to look for what did we do great yesterday?   what's on our docket today and are we going to win the day? I do not need to hear about every patient. do not need to hear about Mrs. Jones has high blood pressure. Fantastic, that's something hygienists you need to know. The whole team does not need to know it. We need to look at the scoreboard just like football players, basketball players, baseball players, whatever it is. We look at our scoreboard, AKA how we did yesterday, where we are on track for our month and we say is today schedule two goal? And if not, what are we going to do to truly win our day? Now I understand that numbers can sometimes not feel like patient care.   I want to reverse that mindset for you. And I want you to know that when we hit our numbers, that is our benchmark, our measuring stick to show that we served our patients at the highest level. And we did not let little gaps fall into place like missing fluoride opportunities, missing x-ray opportunities, missing same day treatment opportunities, missing diagnosis opportunities. These little simple things are what we're trying not to do. So that's why we set our goal. We have our block schedule. We know the treatment we want to do.   We know the hygiene patients that we need to be seeing. We know the open schedule time that we need to make sure that we've eliminated. And when we morning huddle it out, we can literally strategize how we're going to win our day. So we have more consistent days, more consistent treatment, more consistent patient care, more consistent happy teams. This is where we look for bottlenecks. Where are we going to get jammed up? Could we move a patient by 15 minutes today and make our schedule a lot easier? What does hygiene mean? Hygiene, are you scheduled to goal? And if not, what are you going to do to make sure that you get your patient base scheduled to goal?   It's wild when every player on the team takes ownership of their position over their column, over their goals that we've all committed to, to ensure that we're not missing any patient care. Now you might not get to your exact goal on hygiene side, but I promise you, if we're looking for every single thing those patients should be getting, you will always hit goal. I promise you, we don't set goals to make it to where it's like impossible or you have to do extra dentistry. We set them so we don't miss little things. And I think like, if you just have it that way where we remember, we do it, we chart prep.   Every person's chart prepping the night before, they're looking for their opportunities and we come to Morning Huddle to strategize how we're going to win. We can identify VIP patients to ask them for reviews and referrals. We can do challenges within our team of who's gonna get the most reviews in a day. There's so many little things that Morning Huddle can do and it's also a combination where we connect, we have a game plan and then we go and execute and go to work. So this is really something where it's like, let's use metrics in our Morning Huddle. Let's figure out how we're going to truly strategize and win.   and let's look for same day opportunities that we could use to, it's crazy, it's wild when you will use morning huddles like this of the strategy, the huddle to win the game, you will be insanely shocked at how much is there that you might be missing here and there. So these are the three non-sexy systems that every single productive practice has in place and they're incredibly good at it. And that is our block scheduling, our NDTR handoffs and our morning huddles that are setting us up to win.   This is something that will significantly improve your productivity and team alignment. Like they get everybody on the same page. We're rowing in the same boat. People are like, Carrie, I got to put all these systems in place. And I'm like, no, you don't. You just need to put the systems in place that are going to help you win. And that means winning on the number side for sure, but winning on team alignment, happier patients, getting out on time, more time with your family. Let's put those systems into place. Let's not be spending a lot of time wasted time on things that don't truly move the needle forward.   why we put systems into place. This is why we're obsessed with it. Because the reality is one small change. Any of these changes is going to radically improve your life. It's going to improve your practice and it's going to improve your happiness. So why not do it? And if you are struggling with this, you're like, gosh, Kara, I hear your podcast. I listened to you. I've heard you tell me this a hundred times. Book the call. Hello@TheDentalATeam.com. Book the call. Let's stop living in mayhem. Let's stop living in madness. Let's have expert consultants literally look at your practice, look at your numbers and put these things into place.   We had a doctor, I'll just pull this up, literally texted us their first month and said, I have never been as confident as I am working with the Dental A Team. I've worked with a lot of other consulting companies and in just one month, I already feel less stressed, more at ease and excited to come back to my practice. I was curious if I needed to sell my practice and now I'm confident that I can live here, be happy and enjoy dentistry again. It's in one month. So if that's you, if you feel like that, you're like, gosh, I just need this, book the call. Hello@TheDentalATeam.com.   Make sure you're on our newsletter list. Make sure you're getting our tips. But more importantly, make sure you're getting the life and the practice that you deserve. Guys, we get one practice, we get one life, we get one opportunity. Let's make it the best we possibly can. For all of you listening, I'm so grateful for you. I know these things can be yours. I know you can put these systems into place and I encourage you to do it. It's your time. Execute. I put up on my mirror a long, long time ago. I said, don't just dream, do. This is the time for you to put the things into place that you know will move your practice forward.   Refine if you're already doing it and reach out. It's time. Let's do this. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.

Del despido que preserva la dignidad hasta la crisis que requiere calma contagiosa, exploramos 10 situaciones específicas donde las herramientas de PNL transforman el resultado. Cada caso incluye el contexto real, el error común, la aplicación específica de calibración, rapport y reframing, más scripts exactos que funcionan. Aprenderás a presentar malas noticias sin crear pánico, motivar sin recursos económicos, dar feedback a personas ultra defensivas, liderar equipos que no te eligieron, y mantener la calma cuando todo se derrumba. PNL aplicada al liderazgo real, sin manipulación, con conexión humana genuina.Déjanos ⭐️⭐️⭐️⭐️⭐️ para ayudarnos a llegar a más personas con este contenido transformador: re:INVÉNTATE en Spotify y Apple Podcasts.¿Tienes preguntas o quieres compartir tus progresos en el desarrollo de este PowerSkill? Etiquétame en Instagram (@librosparaemprendedores) en una stories o deja tus comentarios y opiniones sobre este episodio.✨ ¡Hoy comienza tu re:Invención!

Paranormal NL welcomes Jaime Mose August 5th, 2025 EP: 39 Topic: Haunted Dolls - In this UPRN 107.7 FM New Orleans & 105.3FM Gulf Coast Paranormal NL Podcast UPRN Segment #39 Haunted Dolls Special -Host Jen Nosworthy will be talking with Guest: Jamie Mose from Ardmore Oklahoma, USA Jamie Mose is a seasoned paranormal investigator and best-selling author. Jamie has worked in healthcare her entire adult life, and has been investigating the paranormal for over 20 years. Mose co-wrote "Respectful Ghost Hunting: Insights into the Paranormal" and is a collector of haunted dolls, and other haunted items. Jaime's passions are traveling and ghost hunting. Jaime has had the privilege of investigating many world-famous haunted locations both in the United States, and in Europe. Jamie also works with the ParaHunters team, and has appeared on the YouTube show Ghost Mob with Wraith Chasers. Jamie was previously on PNL Podcast S2/E132 with Teal Grey at the Independent Order of Oddfellows; and she was also on PNL Podcast S3/E138 (before PNL joined UPRN). Follow Jamie Mose on all of her socials. https://www.facebook.com/jamie.mose.14 and https://www.facebook.com/profile.php?id=61561421346382 and https://www.youtube.com/watch?v=zUVxma6zETc JV-Noseworthy, RN (Jen) Founder/Host of Paranormal NL (PNL) Podcast (iHeartRadio, Spotify, Amazon Music, PocketCasts, and YouTube. Also now on UPRN (United Public Radio Network) 107.7FM New Orleans and 105.3FM Gulf Coast Tuesdays at 5:00 pm EST). Founder/Team Lead BOG team. Boots On Ground (BOG) Paranormal Investigation team. Follow PNL Podcast & PNL BOG team on all their socials. https://linktr.ee/paranormalNLpodcast

✨ Retour en force avec le premier épisode de la nouvelle saison ! ✨Être hypersensible peut parfois sembler accablant, surtout pendant l'été, où les stimuli sont partout. Mais il est tout à fait possible de vivre cette saison intense tout en préservant ton calme intérieur. I CAN RELATE!!!! Ma propre expérience m'a inspiré à créer ce segment pour toi ! Dans cet épisode, je te guide à travers des astuces simples et efficaces pour vivre pleinement ta sensibilité sans te laisser envahir par trop de bruits, de chaleur ou de foule. Et sache que je suis aussi hypersensible, donc je partage des conseils qui ont vraiment fait leurs preuves pour moi !

Aujourd'hui, Coach Lee & Coach Sim reçoivent pour la 2e fois Kristof Robert, ancien bodybuilder de compétition, massothérapeute et coach en PNL.Dans cet épisode, nous discutons de:- Comment changer soi-même peut aider les autres à changer comment ils sont envers toi- La différence entre dire "je ne PEUX pas" et "je ne VEUX pas"- Prendre responsabilité de ses victoires implique de prendre responsabilité de ses défaites aussi- L'importance d'établir et imposer ses limites- "Dans la vie, on a ce qu'on PENSE qu'on mérite"- La différence entre "il FAUT" et "je VEUX"- Bien plus!Bonne écoute!Pour nous suivre:Kristof: @kristofholistikCoach Lee: @coach.lee__ Coach Sim: @coachsim.lat Utilisez le code "WUACV10" pour économiser 10% sur votre commande NIH sur le site ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://nihsupp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Utilisez le code "WUACV10" pour économiser 10% sur votre commande MACHINE sur le site https://project-machine.com/

Comunistul care a dus România în NATO: Ion Iliescu (DW) - VIDEO Cum i-a trimis Ion Iliescu pe mineri să „reocupe” Piața Universității și le-a mulțumit pentru „înalta disciplină civică” după măcelul din 13-15 iunie (HotNews) - Justiția îl mai scapă o dată pe Ion Iliescu: ceremoniile funerare naționale echivalează cu relativizarea răului făcut (SpotMedia) - George Simion, singurul lider politic fără nici o reacție la moartea lui Ion Iliescu. Liderul extremist nu a avut nici o postare în 12 ore (G4Media) - Dacă un bunic sau un părinte v-a lăsat moştenire un apartament de 60.000 euro, un hotel, un cont cu câteva milioane de euro, să ştiţi că asta i se datorează lui Iliescu: Cum a ajuns ca un comunist să aibă cea mai mare contribuţie la împroprietărirea românilor pe gratis (apartamente, acţiuni), la formarea capitalului privat şi la dezvoltarea Bursei (Ziarul Financiar) Comunistul care a dus România în NATO: Ion Iliescu (DW) Ion Iliescu, primul președinte postcomunist al României și singurul care a avut trei mandate, a încetat ieri din viaţă la vârsta de 95 de ani. Fusese internat cu două luni în urmă suferind de cancer pulmonar. În timpul ultimei sale președinții 2000-2004, România a fost primită în NATO și a încheiat negocierile de aderare la Uniunea Europeană. Dar orientarea lui nu a fost de la început pro-occidentală, așa că s-a grăbit imediat după instalarea la putere să semneze un tratat bilateral cu URSS, cu doar câteva luni înainte de căderea Uniunii Sovietice, tratat care bloca pentru 15 ani aderarea României la alte alianțe politico-militare. Intrarea pe orbita Moscovei a avut loc, însă, chiar în perioada tulbure a căderii puterii comuniste, în zilele fierbinți dinaintea condamnării lui Nicolae Ceaușescu: atunci Ion Iliescu a cerut sprijin militar de la Moscova, potrivit unor documente descoperite 20 de ani mai târziu. A fost ultimul președinte, dacă nu chiar ultimul politician autohton bine ancorat ideologic în lumea războiului rece, probabil cel din urmă care a vrut să rămână „sărac și cinstit” și singurul acuzat de crime împotriva umanității pe care sistemul juridic a vrut să-l protejeze până la capăt.  Cum i-a trimis Ion Iliescu pe mineri să „reocupe” Piața Universității și le-a mulțumit pentru „înalta disciplină civică” după măcelul din 13-15 iunie (HotNews.ro) S-a intamplat la mai puțin de o lună de la primele alegeri de după Revoluție, la care Ion Iliescu fusese ales cu 85%. În dimineața zilei de 13 iunie 1990, poliția intervine brutal și evacuează manifestanții rămași în Piața Universității. Iliescu îi numise golani pe protestatari. În jurul prânzului muncitorii de la IMGB sunt și ei implicați în operațiunea Poliției. Balconul Pieței se redeschide. În dimineata zilei de 14 iunie, aproape 10.000 de mineri din Valea Jiului ajung la București, înarmați cu bâte, lanțuri și topoare. Minerii ajung în Piața Victoriei de unde Ion Iliescu îi trimite către Piața Universității, cu ordinul să o „reocupe”. Minerii îi bat sălbatic pe toți cei care le ies în cale, devastează Universitatea și Facultatea de Arhitectură, precum și sediile partidelor și redacțiile ziarelor. Poliția nu intervine, dimpotrivă participă alături de mineri la violențe. Potrivit datelor oficiale, șase persoane au murit, peste 1.000 au fost rănite și sute de persoane au fost arestate în acele zile. Cu toate acestea, asociațiile victimelor mineriadelor susțin că numărul persoanelor decedate s-ar ridică la peste 100 de persoane. Justiția îl mai scapă o dată pe Ion Iliescu: ceremoniile funerare naționale echivalează cu relativizarea răului făcut (SpotMedia) Moartea lui Ion Iliescu lasă României o moștenire care continuă toxicitatea uzurpărilor din 1989, când pactul de protecție reciprocă făcut cu oameni din fosta Securitate și din fosta nomenclatură a obligat țară la decenii de deturnări instituționale, sărăcie, polarizare și o hemoragie de resurse umane peste granițe, , comentează jurnalista SpotMedia Magda Grădinaru. Funeraliile de stat pentru Ion Iliescu arată eșecul moral al României politice din ultimii 35 de ani, consideră ea. Tergiversările din justiție, intenționate o bună parte din drum, impunitatea pe care a transmis-o justiția, cu dosarele Revoluției și Mineriadei, au devenit, pe măsură ce timpul dreptății s-a scurs, un eșec moral. Mie Ion Iliescu mi-a luat 10 ani din viață (Republica) Dacă România este astăzi cum este, asta e și datorită, și din cauza lui Ion Iliescu, scrie la rîndul său jurnalistul Florin Negruțiu. Co-fondatorul Republica și-i amintește pe unii bucureșteni fanatici ai lui Ion Iliescu, național-comuniști demni predecesori ai georgiștilor de azi, care le pupau mâinile minerilor care tocmai despicaseră țestele golanilor din Piața Universității. Sau care maimuțăreau partidele istorice și pe Coposu, care făcuse pușcărie politică.  „Nu ne vindem țara!” strigau din toți bojocii românii în 1990. Din patriotism, le-am dat țara pe tavă securiștilor și comuniștilor strâns uniți în jurul lui Ion Iliescu. Împreună au făcut „democrația originală” sau „capitalismul de cumetrie”, Sistemul corupt care dăinuie și azi. Adio lui Ion Iliescu: Arhitectul viclean al democrației Frankenstein din România” (Contributors) Un comunist neîmpăcat și un președinte care a sabotat democrația, așa arată Ion Iliescu în prespectiva istoricului britanic Tom Gallagher, un cunoscător de talie al României și al evoluțiilor din ultimii 50 de ani din societatea și politica noastră. Fiind un cameleon politic desăvârșit și un intrigant împătimit, este puțin probabil ca moartea lui Ion Iliescu să provoace o revărsare masivă de durere națională. Cele mai puternice rezerve vor fi exprimate de către cei care cunosc bine modul în care el a sabotat șansa României de a se integra în Occidentul democratic într-o manieră comparabilă cu cea a Poloniei sau a țărilor baltice. Ultranaționaliștii din noul val, cum sunt cei din AUR, împreună cu suveraniștii pentru care Călin Georgescu este un paravan convenabil, vor rămâne probabil reținuți sau chiar critici față de omul care a ordonat execuția Conducătorului ce adusese România pe culmile zelului național-comunist. Însă tot datorită manipulării neobosite a lui Iliescu a fost creat, în anii '90, un sistem politic cu structuri de putere, mentalități, peisaj mediatic și intelectual din care dușmanii libertății profită enorm și astăzi. George Simion, singurul lider politic fără nici o reacție la moartea lui Ion Iliescu. Liderul extremist nu a avut nici o postare în 12 ore (G4Media) George Simion, președintele partidului extremist AUR, e singurul lider al unui partid al majorității etnice care nu a avut nici o reacție la moartea lui Ion Iliescu în 12 ore de la decesul fostului președinte. Simion în mod normal postează zilnic în ritm alert. Marți, după moartea lui Ion Iliescu, liderii PSD, PNL, USR, președintele Nicușor Dan și foștii președinți ai României au avut mesaje publice prin care s-au poziționat față de primul președinte post-Revoluție. Nici partidul AUR nu a avut vreo comunicare oficială legată de fostul președinte, mort la 95 de ani, inculpat în cele două dosare majore soldate cu mii de morți și răniți – dosarul Revoluției din 1989 și dosarul Mineriadei din iunie 1990. G4Media reamintește că mai mulți lideri ai partidului extremist AUR au avut constant ieșiri publice în care au lăudat regimul comunist și epoca dictatorului Ceaușescu, făcând apel la electoratul nostalgic. Dacă un bunic sau un părinte v-a lăsat moştenire un apartament de 60.000 euro, un hotel, un cont cu câteva milioane de euro, să ştiţi că asta i se datorează lui Iliescu: Cum a ajuns ca un comunist să aibă cea mai mare contribuţie la împroprietărirea românilor pe gratis (apartamente, acţiuni), la formarea capitalului privat şi la dezvoltarea Bursei (Ziarul Financiar) Istoria noastră consemnează că Ion Iliescu (a fost singurul preşedinte pregătit să fie preşedinte, pentru că ceilalţi au ajuns preşedinţi printr-o conjunctură, iar ulterior s-au calificat la locul de muncă). Istoria ar trebui să mai consemneze că el, un comunist, cu şcoala de la Moscova, un comunist cu faţă umană, un socialist, un adept al perestroikăi lui Gorbaciov, un neocomunist, a fost cel mai mare preşedinte capitalist pe care l-a avut România. Ion Iliescu, un om de stânga, sărac dar cinstit, a fost omul, preşedintele care a avut cea mai mare contribuţie la împroprietărirea românilor după căderea comunismului, care, sub semnătura lui, a creat capitalismul din România, care a susţinut transformarea economiei.

PNL tiene mala fama, y con razón. Pero detrás de los charlatanes hay ciencia real sobre cómo nos comunicamos. En este episodio desmitificamos la Programación Neurolingüística, explorando su historia desde Bandler y Grinder hasta la neurociencia moderna. Aprenderás los 3 pilares fundamentales (Calibración, Rapport y Modelado), el metamodelo del lenguaje, los sistemas representacionales (visual/auditivo/kinestésico), y sobre todo, la línea ética entre influencia y manipulación. Incluye un plan de práctica de 30 días para mejorar tu comunicación sin parecer un robot raro.Déjanos ⭐️⭐️⭐️⭐️⭐️ para ayudarnos a llegar a más personas con este contenido transformador: re:INVÉNTATE en Spotify y Apple Podcasts.¿Tienes preguntas o quieres compartir tus progresos en el desarrollo de este PowerSkill? Etiquétame en Instagram (@librosparaemprendedores) en una stories o deja tus comentarios y opiniones sobre este episodio.✨ ¡Hoy comienza tu re:Invención!

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=6POR9RDo8GU ¿Y si tu nombre ocultara información clave sobre tu alma? La numerología revela talentos, dones, aprendizajes, karmas familiares y tu misión de vida. En esta charla, Alberto Lozano te muestra cómo descubrir el mensaje profundo que se esconde en tu nombre. Alberto Lozano Licenciado en Filología Española, máster-trainer en PNL, posgrado en Terapia Gestalt y Transpersonal, creador de Liberación Genética y autor y experto en Psicogenealogía, Numerología, Tarot y Constelaciones Familiares. Consigue el libro "La esencia de los números" AQUÍ: https://amzn.to/4kaRTwV https://www.liberaciongenetica.es / albertolozanolg / albertolozano.lige #Numerología #Espiritualidad #EvolucióNEspiritual Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

[REDIFFUSION]Paul Pyronnet s'est donné pour mission d'éveiller, d'inspirer et de rendre accessible les outils de la PNL à des millions d'individus. Il est conférencier, consultant, auteur, et a permis à des milliers de personnes de changer leur vie grâce à l'enseignement du développement personnel.  Il a voué une bonne partie de sa vie au développement du potentiel humain, et il souhaite que cette philosophie de vie centrée sur l'évolution des personnes puisse être perpétuée par ses enseignements, ses publications et ses contributions en tant qu'individu. Sa route est loin d'être lisse, toujours rose et alignée. Il a travaillé sur lui-même, beaucoup, pour toucher à cette sérénité qui l'habite aujourd'hui. Belle écoute ! ☀️ ---Si tu as aimé cet épisode, tu peux le partager, écrire un commentaire dans la description et laisser des étoiles sur ta plateforme d'écoute ! ---

Estas son las razones principales del porqué la mayoría de personas no llegan a tener la disciplina que le gustaría tener1)Falta de energía mental

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=6POR9RDo8GU ¿Y si tu nombre ocultara información clave sobre tu alma? La numerología revela talentos, dones, aprendizajes, karmas familiares y tu misión de vida. En esta charla, Alberto Lozano te muestra cómo descubrir el mensaje profundo que se esconde en tu nombre. Alberto Lozano Licenciado en Filología Española, máster-trainer en PNL, posgrado en Terapia Gestalt y Transpersonal, creador de Liberación Genética y autor y experto en Psicogenealogía, Numerología, Tarot y Constelaciones Familiares. Consigue el libro "La esencia de los números" AQUÍ: https://amzn.to/4kaRTwV https://www.liberaciongenetica.es / albertolozanolg / albertolozano.lige #Numerología #Espiritualidad #EvolucióNEspiritual Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

Et si attendre que "ça devienne automatique" t'empêchait justement de faire du sport dans la durée ?Dans cet épisode, je m'attaque à l'idée qu'une pratique physique doit forcément devenir fluide et naturelle pour durer...Ainsi, tu découvriras :✔︎ Pourquoi viser une pratique “naturelle”, "automatique" est souvent un piège,✔︎ Ce qui distingue vraiment les personnes actives de celles qui peinent à s'y tenir,✔︎ Les stratégies concrètes et mentales pour ne plus laisser les excuses diriger ton comportement.Si tu ne comprends pas pourquoi tu n'arrives pas à tenir dans la durée, écoute cet épisode. Bonne écoute

Meditación Guiada Para Dormir - El Viaje Del Auto-DescubrimientoEmbárcate en un profundo viaje de auto-descubrimiento con esta meditación guiada para dormir, donde la historia de Clara y David te acompañará suavemente hacia un sueño profundo y restaurador. Escrita y narrada por Roberto Aceves, esta meditación para dormir no solo te ayudará a relajarte desde la cabeza hasta los pies, sino que también despertará tu creatividad y sabiduría interior a través de una inspiradora narrativa.En esta sesión, explorarás cómo la reflexión, la conexión con la naturaleza y el trabajo espiritual pueden transformar conflictos internos y externos. Ideal para quienes buscan meditaciones para dormir con historias, relajación profunda, y un toque de filosofía y espiritualidad.Perfecta para terminar el día en paz, esta meditación combina elementos de la vida cotidiana con mensajes de sabiduría interior, compasión, empatía y soluciones creativas. Si estás buscando una forma diferente y significativa de dormir mejor, este audio es para ti.✨ Respira, suelta, reflexiona… y deja que el descanso haga su magia.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=LKK3PN5ijBM En esta mesa redonda, exploramos herramientas ancestrales y terapias modernas que nos ayudan a sanar bloqueos, liberar cargas familiares y reconectar con nuestra verdadera esencia. Especialistas en constelaciones familiares, radiestesia, y otras disciplinas energéticas y espirituales comparten sus claves para acompañarte en tu proceso de transformación. Antonio Osorio Instructor certificado e Instructor Master (formador de instructores) del método OXYGEN ADVANTAGE y del MÉTODO BUTEYKO; así como de meditación. Practicante ZEN desde hace 35 años. https://respironautas.com/ / respironautas Adrienn Light Portadora de la consciencia del cuerpo de luz, canalizadora, y la encarnación viviente de Anfrinit; guardián de la Consciencia Cristalina. https://www.anfrinit.com/loscodigos / @adriennlight Mónica Munévar Coach de vida, empresarial, de liderazgo y PNL. Diseñó su propio método, con el que sus clientes aprenden a amarse y a vivir bien con lo que son. Automáticamente ese bienestar se expande a su vida personal, familiar y empresarial. / redesdecomunidad / redesdecomunidad Rosicler Cantos Máster Reiki del Sonido y Terapeuta Holístico. / rosiclercantos / rosiclercantosoficial Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

Si un ciudadano incumple 2 meses la cuota de un banco se le dice Inquiokupa, pero si debes miles y miles al Estado, te contratan en la TV pública y te pagan con los impuestos de todos los ciudadanos; pero eso si, los recortes se los hace en sanidad y educación. Debido a la deuda que posee el presentador de El Show de Bertín, Bertín Osborne, con Hacienda, de casi un millón de euros, el grupo parlamentario Por Andalucía, presentó una PNL solicitando que Canal Sur elimine a Orborne de su parrilla, pero el PP Andalucía y Vox, que tiene mayoría en el Parlamento, la han rechazado. Y también, para que nadie piense que Noelia Nuñez es la única, recordamos el curriculum menguante de Moreno Bonilla, gran amigo del deudor, con respecto a su curriculum. Mas vídeos de Pandemia Digital: https://www.youtube.com/c/PandemiaDigital1 Si quieres comprar buen aceite de primera prensada, sin intermediarios y ayudar de esa forma a los agricultores con salarios justos tenemos un código de promoción para ti: https://12coop.com/cupon/pandemiadigital/ Este video puede contener temas sensibles, así como discursos de odi*, ac*so, o discr*minación. El objetivo de abordar estos temas es exclusivamente informativo y busca concienciar a la audiencia sobre estos acontecimientos, y denunciar y señalar el origen de los mismos para crear consciencia y evitar su propagación. Si consideras que el contenido puede afectarte, te recomendamos proceder con precaución o evitar su visualización. ----------------------------------------------------------------------------------------------- Únete a nuestra comunidad de YouTube https://www.youtube.com/channel/UCFOwGZY-NTnctghtlHkj8BA/join Se mecenas de Patreon https://www.patreon.com/PandemiaDigital ----------------------------------------------------------------------------------------------- Súmate a la comunidad en Twitch - En vivo de Lunes a Jueves: https://www.twitch.tv/pandemiadigital Sigue nuestro Canal de Telegram: https://t.me/PandemiaDigital Suscríbete en nuestra web: https://PandemiaDigital.net Sigue nuestras redes: Twitter: https://twitter.com/PandemiaDigitaI Facebook: https://www.facebook.com/PandemiaDigitalObservatorio Instagram: https://www.instagram.com/pandemia_digital_twitch TikTok: https://www.tiktok.com/@pandemiadigital #PandemiaDigital

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=LKK3PN5ijBM En esta mesa redonda, exploramos herramientas ancestrales y terapias modernas que nos ayudan a sanar bloqueos, liberar cargas familiares y reconectar con nuestra verdadera esencia. Especialistas en constelaciones familiares, radiestesia, y otras disciplinas energéticas y espirituales comparten sus claves para acompañarte en tu proceso de transformación. Antonio Osorio Instructor certificado e Instructor Master (formador de instructores) del método OXYGEN ADVANTAGE y del MÉTODO BUTEYKO; así como de meditación. Practicante ZEN desde hace 35 años. https://respironautas.com/ / respironautas Adrienn Light Portadora de la consciencia del cuerpo de luz, canalizadora, y la encarnación viviente de Anfrinit; guardián de la Consciencia Cristalina. https://www.anfrinit.com/loscodigos / @adriennlight Mónica Munévar Coach de vida, empresarial, de liderazgo y PNL. Diseñó su propio método, con el que sus clientes aprenden a amarse y a vivir bien con lo que son. Automáticamente ese bienestar se expande a su vida personal, familiar y empresarial. / redesdecomunidad / redesdecomunidad Rosicler Cantos Máster Reiki del Sonido y Terapeuta Holístico. / rosiclercantos / rosiclercantosoficial Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=fBVaBIhkhSk ¿Y si la jaula en la que vives no tiene barrotes, sino pensamientos? Las creencias que te enseñaron pueden estar frenando tu verdadera libertad. ¡Es hora de desprogramarte y desarrollar todo tu potencial! Susana Espelleta Comunicadora, conferencista y escritora. Coach Certificada en Inteligencia Emocional y PNL, posgrado en Bioneuroemoción, licenciada en Arte Dramático y Danza, diplomada en Marketing y conductora de cursos, retiros, talleres y sesiones. Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=fBVaBIhkhSk ¿Y si la jaula en la que vives no tiene barrotes, sino pensamientos? Las creencias que te enseñaron pueden estar frenando tu verdadera libertad. ¡Es hora de desprogramarte y desarrollar todo tu potencial! Susana Espelleta Comunicadora, conferencista y escritora. Coach Certificada en Inteligencia Emocional y PNL, posgrado en Bioneuroemoción, licenciada en Arte Dramático y Danza, diplomada en Marketing y conductora de cursos, retiros, talleres y sesiones. Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

Morgan Hamon, co-founder and president of EAG Dental Advisors, returns to the podcast to talk about dentistry financials. As a CPA, Morgan pulls from his experience to talk with Kiera about what it takes to be profitable (beyond revenue and expenses). Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:01) Hello, Dental A Team listeners. This is Kiera. And today I am so jazzed. I have one of my absolute favorite guests back on the podcast, Morgan Hamon. He used to be with HDA. They have now upgraded their name to EAG Dental Advisors. Super excited. He's an incredible CPA, does all things dental, loves airplanes. He's been on the podcast so many times. We've had some good chats. Dear friend to me, Morgan, welcome back to the show. How are you?   Morgan Hamon (00:20) Ha ha.   Kiera, I'm doing good. It is so great to be with you and looking forward to our conversation today.   Kiera Dent (00:31) to you and me both. So I have to know since you love airplanes and it's in your background, are you a fan or not a fan of Top Gun? I just need to know.   Morgan Hamon (00:35) Mm-hmm.   You know, I have a soft spot   for that movie because when it came out in 1986, I was 15. And I, you know, I sort of set my sight. That definitely influenced me. said, that's what I want to do. So I went out and did it. And so.   Kiera Dent (00:46) Mmm.   So then how did you like Top Gun Maverick? was the second? Tell me, are you fan?   Morgan Hamon (00:56) That one, the purpose   of that movie was entertainment and it was entertaining, but it was a little, you gotta suspend disbelief a little bit. It was a little nostalgic because that was set in Naval Air Station, Lamar, which is where I was for eight years. So it was pretty cool seeing that and the flying scenes were real. And so they were all filmed out. It's called restricted area 2508, which is where we always used to fly. So it was pretty nostalgic seeing some of the flying scenes back where we used to go fly.   Kiera Dent (01:17) Mm-hmm.   Morgan Hamon (01:26) But technically, there's a little, like any movie, there's a little Hollywood going on there. But it was entertaining.   Kiera Dent (01:26) No.   can't   How cool though that they like made a spot for Iceman with him having throat cancer. I thought that was incredible. Like way to go Tom Hanks. So I know you guys didn't come to the podcast to hear Morgan and I talk about top men, but we're going to segue now because Morgan does all things. We love to talk profit. We love to talk taxes. We love to talk all things nerding out on CPA land, which I have really truly fallen in love with like understanding my numbers. So this is a soft spot for me, but   Morgan Hamon (01:39) Yes   Yep.   Hahaha   Mm-hmm.   Kiera Dent (02:01) Morgan said he won the topic today, which I think is a sexy topic and I cannot wait where he said leadership relates to profitability. And I said, Morgan, sign me up. Here we go. So Morgan, this is our time. This is our topic because I absolutely agree with you that leadership does relate to profitability, but take it away. And then we're to dig into tax savings. We're going to dig into all this stuff and who knows where else we're going to go, but ⁓ it'll be a great one. It always is.   Morgan Hamon (02:16) Mm-hmm.   Yes.   Well, think   this topic has evolved with me a little bit, because we've been doing this 15 years and going now. And so a lot of conversations over the years. And I've always thought about profitability, which let's face it, that's why we own businesses. We don't own businesses to pay tax. We own businesses to make a nice living and have some control over our lives. So you've to have profit, and it's hard owning a business. So if we don't have adequate profit, why bother? ⁓   Our mission has always been to really focus on profit, give our doctors feedback on what that profit is, and diagnose if things are, you know, if there's something that could put more money in their pocket. Now, with my CPA hat on, right, there's two parts of that profit equation. There's the expense side of the equation and the revenue side of the equation. And so for a lot of years, I mean, that's where our focus has been.   But I've recently, last year or two, I've really come to the conclusion, look, there's a third component there, right? And it's not math, I can't point to the P &L. But where this comes from is I get asked all the time about, and it's from the clients either considering a startup or purchasing a practice, and they'll say, okay, Morgan, you got clients all 50 states, like where's the great area? Where should I go where folks are doing well?   Kiera Dent (03:27) Ooh, I can't wait.   Morgan Hamon (03:47) I that question. I get asked, hey, do you have a special report for pediatric dentists? Because I'm going to be pediatric, so I'm going to be making more money kind of thing. Or I'll hear a report. Or I'll get a question that, do you have a report just for your clients in California? Because it's like way different out here. And I say, look, the answer is no. We have one report. In geography and specialty,   I think they may influence profitability, but that's not the deal breaker. We have plenty of clients who are specialists. The struggle, we have plenty of clients, like one of our longest term clients is in Nob Hill, San Francisco. She recently moved across the bay, but it's like the most expensive city on the planet. She killed a 55 % profit margin for like 10 years. So geography isn't, that's not how we connect the dots. I think we connect the dots with leadership.   Kiera Dent (04:33) Yeah.   Mm-hmm.   Morgan Hamon (04:43) You know, we have a lot of clients I've known for a long time. I've been with them along with their journey as I've been on my journey, which has been very rewarding. And I've come to the opinion that if we quantify success for a doctor and let's, and we'll talk a little bit more about this when we get to tax, but you know, is it money? Is it time? Is it all the above? If we look at, who's crossed the finish line? Who has the full deal? ⁓ It's the doctor that runs a tight.   Plain and simple. Like you can tell in me talking with them, I know them real well. You can tell by their numbers. Look, they're an amazing clinician, but they're also an amazing business leader. They know how to inspire their team. Their patients feel comfortable. They lead from the front. They just, they do it all. Those are the doctors that have the high profit margin and the high quality of life. It's not geography. It's not specialty, although that can have an influence.   That's the full package. So it is, yes, revenue, expenses, and how well do you lead your practice, in my opinion.   Kiera Dent (05:50) Morgan, I was so happy when I read that and when we were talking about what to bring on because I see it as well. I tell everybody, I can tell walking into a practice even before I walk into the practice, if I've met the leader of the practice, I usually can tell if this practice will be successful or not, truly based on the leader at the helm. And it's interesting because we did, I recently did this at our summit. So people were there, awesome.   Morgan Hamon (05:52) you   Kiera Dent (06:16) If they weren't, that's okay too. But we actually broke down and me and the consultants, we went through all of our clients. Like we looked at the clients, we looked at past clients, we looked at future clients, we looked at different pieces, what were our best clients, what were our worst clients. And I actually broke down, I'm trying to pull it up here, of like common themes of great practices and like great leadership and common themes of the not so good. And so some of the things I've seen in...   Morgan, I'm super curious to hear like what you'd add to our list. Cause I, you see it from a different perspective than we see it. So on my not so good list, these are the ones that like really they always are floundering is they don't trust their office manager. They're sometimes poor clinicians. Like they need to hire somebody else or get some training for that. ⁓ Poor leaders, they have team turnover constantly. They don't implement strategies. They're highly driven by emotion. They don't look at their numbers or their results.   Morgan Hamon (06:45) Mm-hmm. Mm-hmm.   you   you   Kiera Dent (07:11) They do a lot of CE, but they never like implement. They have lots of coaches, but they don't trust and execute. They're half in on everything. So they're not like solid on anything. They want to pay to fix the problem with no self-realization identification that maybe they are the issue. They have ego fear with no accountability. And there's a lot of blame. Like everybody else is the problem. Are some of the things that I've seen and I don't know, like I know I'm putting you on the spot. didn't, I have my nice list over here, but is there anything else you see of patterns? I'm, you and I can both like,   Morgan Hamon (07:30) Mm-hmm. ⁓   Kiera Dent (07:41) in our Rolodex of humans we know are not so good leaders or the practices who aren't as profitable, are there any other things you've noticed in their leadership that maybe isn't as strong?   Morgan Hamon (07:41) No. Right.   Well, that was a very comprehensive list. Once we're done, I'm going to write all those down because I that's very good. If I were to summarize that, if we talk about leadership, it's really about ownership and engagement. You have to own it. Everything's your problem when you're the owner. There's another podcast I like.   Kiera Dent (07:58) Yeah, of course. I'll happily share. I will happily share. And if you get anything else, share back our way too.   Morgan Hamon (08:20) and it's nothing to do with dental, it's all about leadership. And there's a saying, and it's really stuck with me, and I swear I think about this every day, Kiera, when I think about my business and how do we keep doing a good job, is that if there's a problem in your organization, it's a leadership problem. You can trace it all the way back, go any direction you want, it's going to tie back to a leadership problem.   So, if something is going sideways, it ultimately comes back to your leadership as a business owner. So, maybe the staff, maybe there was a bad patient experience, something went sideways with the patient. Was that staff trained? Maybe they were trained, maybe they were not held accountable. Do you have a bad procedure? Maybe the procedure needs adapted. mean, we think about that all the time, constantly adapting, constantly tweaking, and I think you have to do that in any business. If, like you said,   in your list there if people don't want that accountability, there's always making excuses or they don't want to engage. They say, you know, and maybe they are a good clinician. They say, I'd rather just be in the operatory but my staff's a mess. Kiera, come on in here and whip them into shape and let me know when it's all good. You know, that's not how it works. That's not how it works.   Kiera Dent (09:32) Exactly. No, not   only they're part time. I'm not your manager. I'm not your leader. I'm not your boss.   Morgan Hamon (09:38) Right, or you know   what, I'm going to have an hour meeting with my accountant and that should solve it. Like, no, we're going to come up with some action items and then you need to execute those. So you have to own it. Everything's your problem when you own a business. ⁓ And if you own it and you engage, then I think we're on the right path to not be on that extensive list that you gave, which I just love.   Kiera Dent (10:03) right? Yeah, no, and I love it. And   it just made me actually think of something I heard a financial conference and they said EBITDA equals engagement. And I've thought about that a lot because the more engaged your team is, the more engaged you are, honestly, a lot of higher EBITDA there is, I won't leave our audience hanging. I do have the good list and maybe you can add to this to see. So the ones that I found like, that truly just knock it out of the park, these are our most successful right? I'm like, what is their DNA makeup that makes them this great leader?   Morgan Hamon (10:22) Mm-hmm.   Mm-hmm.   Kiera Dent (10:32) and it's their great implementers. They allow the teams to be free, like within the parameters. So they've got a great team culture. They're great at decision-making. They execute, they're consistent. They roll with the punches. They have long-term teams. They make their decisions based on numbers. They're great visionaries. And they know what they're working towards. They don't get distracted. So there's this laser focus that they have. ⁓ And on here, I would also say that they have massive ownership. And they also are not afraid to have the uncomfortable conversations with their team.   Morgan Hamon (10:52) Mm-hmm.   Thank   Mm-hmm.   Kiera Dent (11:02) So   like they truly do, they're excellent at it. They might not be excellent communicators, but they're excellent at like tidying it up, driving their team for success. Those are some of the things I see, but I'm curious if there's anything else you'd want to add to that list because I think you're right. But I think that's a DNA makeup, right? It's people who are disciplined. If I go into the gym, they probably have like strong work ethic. They are laser focused. It's just like, it's who they are in all the aspects of our life, but I don't think they're necessarily born that way.   Morgan Hamon (11:10) Mm-hmm.   Kiera Dent (11:30) I think a lot of them can be, but I think a lot of them create that over time as well. Like it's an evolution of them, not necessarily like, if I'm just born a great leader, like, no, they're constantly working on it, but I'm curious your thoughts.   Morgan Hamon (11:34) Mm-hmm.   Thanks   Yeah,   no, I think that's a good list. If I were to try to tie that together, I would say it's you lead from the front. you know, like all just a personal example for me, like responsiveness is a huge part of our culture. Like, you know, if clients reach out to us, they need to hear back like in a few hours, like today. Lead from the front. is not do what I say. It is do what I do and keep up. Keep up with me.   Kiera Dent (12:03) Yeah.   Morgan Hamon (12:12) Let me show you what I expect. You follow my example and let's go where I'm leading us. I think is when you own a dental practice, you have to do the same thing, whether that's in the daily huddle. You lead by example. If there's a certain patient experience you want your office to have, you have to lead that. They have to be emulating you and say, I sure hope I can do this as well as the doctor. ⁓ Lead from the front. I think you also have to make sure your team understands why their work is important.   Kiera Dent (12:42) cream.   Morgan Hamon (12:42) And   I do that all the time. Why is our work important as well? Because our clients are these dentists. They're drowning in debt. They don't necessarily learn how to run a dental practice in dental school. They're trying to put it all together to make a nice living. And they have probably eight or 10 employees that are accounting on them for their jobs. So our work matters. We're working with people's lives here. So you really have to... ⁓   I think articulate why the work's important and maybe that's not as challenging and don't practice because everybody knows. It's care. They're there to get care. They're in the chair. They're scared. They want to be comfortable and everything's going to be okay. I think you got to lead from the front. You got to say, look, let's do what I do and make sure you keep up with me.   Kiera Dent (13:32) Yeah, no, I love that. I just, think something that I love that you brought this up is I love when I have things internal, as much as it's annoying, that could actually help me become more profitable. It's like, hey, let me go to the gym and work out to be more disciplined. Let me read leadership books to learn how to lead. Let me practice uncomfortable conversations. Let me practice my decision-making. And the reality is like you becoming this person and leadership.   Morgan Hamon (13:34) you   Hehe.   Mm-hmm.   Kiera Dent (14:00) will equate to higher profitability. It's wild. Like I look back at maybe not so strong of leadership days and my business and profitability, I think definitely mirrored and matched where I was. And so also for us to say like, Hey, how do I maybe get to the next level? How can you evolve as a leader as well and be a bit stronger of that good version rather than the not so good version I think is really powerful.   Morgan Hamon (14:10) Mm-hmm.   Hehehe.   Yeah,   I think you really have to recognize whatever industry you're in that your technical skill and your leadership skill are completely different. You have to invest in those skills to acquire those and to maintain them. And just because you could be the most amazing CPA, just brilliant practitioner, that doesn't mean you're a good leader. You could be the most amazing clinician.   Kiera Dent (14:35) 100.   Morgan Hamon (14:51) and just do the most amazing work. That doesn't mean you're gonna be running a ⁓ great tunnel practice. You have to invest in those skills. Just being a smart person with some big degrees, that doesn't do it. You have to acquire those skills. And I didn't realize, I mean, when I was a younger guy in the Navy, I I learned all this. back then, I was just trying to do a good job and...   get killed and and make it all happen. I didn't realize all these amazing lessons and training I was learning because they, mean leadership is, I mean that's first and foremost what we're there to do and so I was very fortunate in that regard but I don't, you you can't, no matter what business you're in, can't rest on your laurels. You got to always be thinking about leadership. Am I being a good leader? Okay, this is going sideways. I need to lead the team back, you know. I can't just, you know, write a memo.   Kiera Dent (15:17) Yeah   Morgan Hamon (15:44) Hey everybody, this is where we need to be. Follow me. Keep up with me.   Kiera Dent (15:49) Yeah, no Morgan, that was such a brilliant piece and I really loved how you just highlighted it and so fun to see that what we see on the team side and the success of the growth and the production and the collections also now correlates with your financial PNL, ⁓ which I think is just magic and it all just ties together. But as you listen to this list and Morgan I talking about it, I also want to just say like if this does not light you up and you're like, ⁓ gosh.   Morgan Hamon (16:05) Mm-hmm   Kiera Dent (16:17) That's okay. You actually can just be an amazing clinician and have somebody actually be the great leader. Just because you opened the practice and you do the dentistry does not mean you need to be the leader of the practice. So I've seen some doctors actually be great implementers. Like they actually would rather execute, implement, do all the ideas and have somebody else be the visionary. That's okay too. And I think like my best thing is know thyself and be free. But if you want to be more profitable, look at this. And I want to take like a sharp   Morgan Hamon (16:18) Mm-hmm.   Mm-hmm.   Hmm.   Mm-hmm.   Yes.   Kiera Dent (16:46) right turn Morgan and talk taxes. It's like, didn't know how to awkwardly like transition. So I'm just gonna like, but I want to talk taxes because I'm like, this also ties into the discipline of leadership, the ownership of leadership and like being freaking savvy to learn how to do taxes better. Like Morgan, I had this client the other day and we were talking and we built this like cute little overhead scorecard for people. We have the EBITDA on there. It comes from the CPAs. So we're like, just make it very simple, like black and white.   Morgan Hamon (16:53) Mm-hmm. Mm-hmm.   Mm-hmm.   you   Kiera Dent (17:15) And then I was like, wait a second, I should throw a tax bucket on there. So like what you're getting paid for your W-2 plus what your profit is, like that gets taxed. I have a doctor, she has been an owner, we're talking 20 plus years. She's like, Kiera, I never knew that my profit had to get taxed. Like I never knew that that extra cash, like I just thought that was cash that came to me. And I'm like, this is why doctors are always broke because they don't know how this works out. So I'm super excited to talk about.   Morgan Hamon (17:21) Mm-hmm.   Mm-hmm.   you   Mm-hmm.   No. Right. Mm hmm.   Kiera Dent (17:45) tax planning, it's mid-year, let's make sure you're not crying in December and like, popping the confetti.   Morgan Hamon (17:46) Yeah.   Yeah, right. And   crying in December. if you recall, ⁓ my topic was just kind of the psychology of tax. And again, this has evolved over time with a lot of conversations. I think...   Kiera Dent (17:54) was New York I'm   The   is like the wise sage over there, Morgan. Like you got, like, just, you're just hanging out over there.   Morgan Hamon (18:09) Well, it's always trying to,   you know, I think about my conversations. How do we kind of empower these dentists to achieve this? And it's all through, I think, education. You've got to understand why. Like this doctor, 20-year-old, didn't understand.   Kiera Dent (18:29) I was like, no, I'm not wearing a strip.   Morgan Hamon (18:30) Every initial consultation   I'm having now with a startup doctor, we do a tax 101 just real quick, takes me like five minutes. Let's get our hands on some concepts here. Why I think this is important to really understand and talk about tax, just kind of how it makes us feel, is because we've had some instances where you have a doctor, and let's just say on our previous conversation, this is how we're gonna tie it together, right? So we have the doctors on that secondary list,   They're rock star. They're killing it. They're making tons of cash. They're engaging the right people. They got the right people in place, and it ultimately results in a lot of success. I've seen people do that, but then when it comes time for tax, they lose sight of all that, and they get just really obsessed about that tax bill. They lose what I'll think of as like peace and fulfillment.   just at the start of the call, I recently got remarried and my wife and I, we talk about that a lot, peace and fulfillment. Why do we have that in life? And that's what we're working for. And I think when you own a business, you're working towards something, right? And we want to have that peace and fulfillment. And I've seen that just get destroyed with people because they get very emotional and overly focused on their tax. And I see the logic just sort of exit stage left.   and we just end up with this very emotional reaction to tax. And who I tend to really direct this conversation to is not necessarily what you just described, Bill. That's kind an interesting one. Usually if someone's been making great money 20 years, they kind of know the program. It is, Kiera, it's the newer owners making real money for the first time in their lives. And that is where there's an adjustment. There's a mental journey they have to go on.   Kiera Dent (20:21) 100.   Morgan Hamon (20:29) And so what I thought today, like, I guarantee you we have some listeners as soon as they heard tax, they're like, what's on their mind is, what's the secret? How do I save more on tax? Well, it does. So, right? So we're going to get to that. All right. Well, we'll get to that. But before we do that, I thought, let's have some straight talk.   Kiera Dent (20:40) It does feel like the CPA's hold back or the secret robot. mean, tell me your Harry Potter rules there, Morgan. I just want to know. I need to find one CPA that just knows the secrets of the trade.   Yeah.   Morgan Hamon (20:58) Let's have some straight talk on tax. Why is this emotional? Why is this hard? Let's just take the journey of a doctor that is an associate doing pretty well with their W-2. We all think that we all go in W-2s. You have mandatory withholding. It comes out of your check, gets fired off to the government. You get your net check and you might look at your paycheck and go, what's all this stuff? don't know. I got my net check. I'm to plan my life around this net check. Then we do the tax return.   There's always a little settle up. You might owe a little, get all my back. You always hope to get a little money back, but generally you just plan your life with never having your hands on that money as a W-2. So now we own a business. You get all that money and then we now have to turn around and pay it back. Now keep in mind your tax rates. Okay. If you are married, Google the 2025 tax rates, right? That's what they are. That's what they are. If you're an employee.   Kiera Dent (21:44) Yep.   Morgan Hamon (21:55) That's what they are if you're the owner of a pass-through business. They are the same. But that act of having to turn around and write a check just is, you gotta become comfortable with that and it's an adjustment. ⁓ And here's the other thing where if we just, okay, let's take all our emotions about tax, let's just kind put it over the side and let's just talk very logically.   Kiera Dent (22:12) I agree.   Morgan Hamon (22:23) If you're gonna make three times as much money, what's also going to be three times as much? Your tax. But it's actually maybe a little bit more, right? We got a progressive tax system, right? So, I think when people become high earners, and they go through the grieving process,   Kiera Dent (22:36) see what we feel. It's awesome.   Morgan Hamon (22:48) And I guarantee you, I'll just talk through this briefly, but Gary, you and I have both been through this. And the doctors that are killing it and making lots of money, they've probably been through it too. But if we think about the grieving process, what's the first step? All right, it's denial. Okay, it's the first year you went from making 200 grand as an associate and now making 700 grand. And we've already written off the equipment and now we got 700 grand income. And you get your tax plan and you're like, what? This isn't for me.   Kiera Dent (22:54) Yes.   Morgan Hamon (23:17) Honey, think our email got hacked. We got this, this can't be right. This isn't mine. You go full on denial, this can't be right. And then we're like, no, I'm sorry. I'm sorry, that is your tax plan. And then we immediately go to anger. I'm so mad. thought Morgan was, I thought Morgan was this cool guy. I'm mad at him.   Kiera Dent (23:22) I'm   Hmm?   I need a different CPA, Morgan. I'm finding a different Harry Potter wizard. I need someone better than you.   Not today, I'm out of here.   Morgan Hamon (23:45) You get angry.   You're like, what the heck? I got this tax bill. So you get kind of angry. And then you go into bargaining and say, you know what? I'm going to go buy a CEREC machine tomorrow. Say, OK. I mean, do you need that? mean, do you do a lot of grounds? So you get all, I'm going to do this, this, and then where people are really in troubles and they stop making their estimated payments. Well, this can't be right. This can't   Kiera Dent (23:53) Hahaha.   Ha   Morgan Hamon (24:14) I'm going to go, I'm going to buy this and this and this. And then we start, there's a 6,000 pound truck. I'm going to go buy this big truck. And I kind of joke around a little bit. Yeah. So you get into bargaining, right? And then you're like, OK, well, gosh, I don't need any other equipment. I'm already doing the stuff. And then you get into depression. You're like, really? Am I going to? I guess this just stinks. And then finally, get to acceptance.   Kiera Dent (24:23) G-Wagon right now. I'm gonna brand it.   Morgan Hamon (24:43) and you realize if you're a high earner, there is a corresponding bill. Now that can be managed. There are ways for legal, perfectly legal tax avoidance to get into the so-called secrets. But you go through this journey. This has just been my, I guess, my 15-year research project. I've been through it personally myself, and I'm a CPA, and I still like writing this check. Dang. ⁓   Kiera Dent (25:06) same.   you   Morgan Hamon (25:13) But,   so that's what we have to, I think, wrap our head around, you understand that. And I encourage people, look, if you're a dentist, and maybe this dentist joins the seven figure club, right? You got seven figure profit, that's pretty amazing, right? That's really good income. But you will have a six figure tax bill. And that's okay. That's okay. ⁓   Kiera Dent (25:37) You will.   Morgan Hamon (25:42) And you just, got to get through to acceptance and take comfort in that you are engaged to take advantage of the legal opportunities that are out there for proper tax avoidance. And that's the, we talk about the secrets, you know, I see these clowns on, on YouTube of like, ⁓ I know the secrets of the tax code. mean, if you see that, I mean, just run. ⁓ There are no secrets. They're all well-known. Like I know all our competitors in our, the dental field and I'm on friendly terms with many of them.   We all know these. We all know the stuff that can be done. Legal tax avoidance. here's, we'll call it the secret, ⁓ Dentists, everyone's part of it. Here's the secrets, okay? Here's the secret. When you have a pass through business, which is what these dental practices are, right? So the business, and this will shed some light on your client 20 years, right? Your business does not pay income tax. The business tax return   Kiera Dent (26:22) Everybody's perking up right now, Morgan. They're like, okay.   Morgan Hamon (26:42) is math. It's absurdly complex math, but it quantifies the profit that's passed it through and gets listed on your personal tax return. And you owe income tax on that profit. That's what it means by pass through. And it's all ordinary income tax. There's no special tax rate for business owners. It's ordinary income tax. So how do we save money? Here's the secret. We have to capture as many expenses that we're otherwise incurring and capture those as business deductions.   When we do that, that lowers profit. Less profit passes through to the personal tax return, you pay less tax. That's the secret. So you have to execute the strategies, right? The home office is perfect for doctors. Totally substantiated, totally mainstream deduction. That's what justifies the car.   You can deduct a car, but that means you have to be engaged. You have to get the mile IQ. You have to understand what is your business percentage use. You have to do this right. You have to document it. There's things you have to do right. Take your board meeting. ⁓ If the cash flow allows, have a qualified retirement plan. Take full advantage of that. ⁓ If you're okay with having staff over to your house, have those meetings at home and have the office rent it from you. again, these aren't... People know these. This isn't...   I'd love to tell you I'm some genius that went and studied the tax code and formulated all these myself. This is out there. What you're engaging with your CPA is folks that will actually bring this to you and do it, but ultimately the doctor has to do it. What I think about is if someone thinks, well, I'm just going to have an hour meeting with my account at the end of the year and they're just going to take care of all of this. That's like saying, you know what?   Kiera Dent (28:07) haha   cringe.   Morgan Hamon (28:30) I know I need to work out and eat right to be healthy but I'm just going to go meet with my doc this fall and that should do it. Maybe they'll give me a pill that'll make me in shape and healthy. But no, you got to do the stuff. So if your accountant tells you, look, take a board meeting, document it properly, there's a proper way to do it, you got to do it. That's how we say the proper legal avoidance. your account comes to you and says, look, it's time to be an S-Corp,   Kiera Dent (28:51) Mm-hmm.   Morgan Hamon (29:00) because the profit is appropriate, you gotta follow the instruction. There's a procedure there and it's gonna save a lot of money on self-employment payroll tax if it's done correctly. You gotta listen, but you gotta engage. There's action items. And so we, ⁓ every September, I made a checklist. You know, again, Navy guy, right? I got a checklist. Log in, do the checklist. I call it our business tax savings maximizer. That's the flashiest, catchiest name I could think of. But like, log in and do it. That's the secret.   Kiera Dent (29:19) I love it.   you   Morgan Hamon (29:29) So, you know, for those listeners that waiting for the secret, that's it, right? We got to capture expenses as business deductions and there is action items for the doctor. It requires that engagement. And to circle back to where what you said earlier, like you can't come into the office and just fix it for them. They've got responsibilities on things to do too and that's the same with tax policy.   Kiera Dent (29:53) I thought that was such a beautiful way. And as you were going through the phases of grief, I'm like, oh yeah, I definitely lived all of those.   Thanks for kicking it off with Top Gun, ending with like tack strategy. Thanks for sharing some of the tips. But truly super honored to work with you and love what you guys are doing for dentists out there.   Morgan Hamon (30:04) Alright.   Kiera,   I always enjoy our visits and look forward to each one. So I appreciate you having me. I really enjoyed it.   Kiera Dent (30:16) course. And for all of you listening, thank you for listening and I'll catch you next time on The Dental A Team podcast.  

¿Sientes que trabajas durísimo pero avanzas poco?¿Que tus pensamientos sabotean tus mejores intenciones?¿Que tienes el potencial pero algo interno te frena?En este episodio analizamos Poder Sin Límites (Unlimited Power, 1986) de Tony Robbins, el libro que revolucionó el desarrollo personal y enseñó a millones cómo alinear mente, cuerpo y objetivos para liberar su máximo potencial.Robbins nos revela por qué tantos emprendedores viven con "el freno de mano puesto": sus creencias, pensamientos y acciones tiran en direcciones opuestas, creando fricción constante en lugar de momentum imparable.A lo largo del episodio exploramos el sistema completo de Robbins para crear lo que él llama "congruencia total":

Cum și-a început mandatul președintele Nicușor Dan / Alergător pe lângă minge (G4Media) - După doi ani și o criză majoră, Nicușor Dan are de luat o decizie grea. Diversiunea Cioloș la SRI (SpotMedia) Cum și-a început mandatul președintele Nicușor Dan / Alergător pe lângă minge (G4Media) Dezastruos ar fi cuvântul potrivit. În primele două luni după câștigarea alegerilor, președintele Nicușor Dan a arătat că nu dispune de suficientă forță pentru a-și impune voința politică, a comis cel puțin o eroare majoră și a demonstrat o capacitate limitată de înțelegere a mecanismelor statului, precum și zero instincte politice, scrie jurnalistul Dan Tăpălagă. Un șef de stat dispune de multă legitimitate și de o putere reală, dacă știe cum să le folosească. Când nu o face, tot sistemul îi miroase imediat neputința. Așa se face că, în justiție, nu i-a ieșit mai nimic: Inspecția Judiciară, Înalta Curte, judecătorul propus de PSD la CCR (Mihai Busuioc) — toți provin din tabăra anti-reformistă. Și toți au defilat nestingheriți pe sub nasul indiferent al președintelui Dan. Adăugați la acest tablou și catastrofa de negociere politică de la formarea guvernului, unde PSD a obținut cam tot ce și-a dorit — inclusiv Ministerul Justiției. Altfel spus, tot PSD va propune viitorii procurori-șefi ai DNA și Parchetului General, pe care Nicușor Dan ar dori să-i schimbe. Foarte bine, doar că tocmai le-a cedat PSD-ului puterea de a face noile numiri. Cel mai spectaculos autogol a fost atacarea la CCR a legii care înăsprește pedepsele pentru propaganda extremistă. Nicușor Dan a folosit, practic, aceleași argumente cu Călin Georgescu, George Simion, AUR și Diana Șoșoacă. Președintele mai are o ultimă șansă de reabilitare, odată cu numirea șefilor de servicii secrete, anunțată pentru toamnă. Integral pe pagina G4Media. După doi ani și o criză majoră, Nicușor Dan are de luat o decizie grea. Diversiunea Cioloș la SRI (SpotMedia) Numele lui Dacian Cioloș a fost vehiculat intens în ultimele săptămâni în spațiul public ca reprezentând alegerea lui Nicușor Dan pentru șefia SRI, dar nu a existat nicio discuție între cei doi pe această temă, conform unor surse Spotmedia.ro, speculațiile fiind extrem de asemănătoare cu cele dezvoltate în jurul numirii unui judecător CCR de către noul președinte. Oamenii politici din România au o legătură complicată și netransparentă cu serviciile de informații, iar compromisurile și lipsa de control civil asupra acestora au devenit critice pentru nivelul de încredere din societate în instituțiile statului. Liderii politici cred că raportul de forțe din coaliție depinde de cine va conduce SRI și SIE. Consultarea președintelui cu partidele nu va fi legată de nume, pentru că atributul nominalizării îi revine șefului statului, ci mai degrabă va fi legată de tatonarea șefilor de partide pentru obținerea unor reacții cu privire la votul din Parlament vizavi de o propunere sau alta. Profesorul universitar Andrei Țăranu, explică în exclusivitate pentru Spotmedia.ro  puterea unui președinte și legătura cu serviciile secrete. O lege a serviciilor secrete ar trebui făcută de societatea civilă și experți independenți, spune expertul  Toate încercările de modificarea a legislației de funcționare a serviciilor de informații s-au soldat cu eșecuri răsunătoare, în principal din cauza faptului că proiectele au fost realizate de oameni din interior sau de asociați ai acestora, fiind contestate puternic de opinia publică. Misiune Imposibilă: Dan și Bolojan și cele 24 de luni în care trebuie să salveze România de ea însăși (PressOne) Misiunea uriașă care le stă în față atât lui Nicușor Dan, cât și lui Ilie Bolojan: să convingă nu doar sute de politicieni obișnuiți cu hoția ca stil de viață prosper, ci și milioane de români obișnuiți să se descurce cum pot, deseori prin mici furtișaguri, doar ca să supraviețuiască. Dar cum poți face asta într-o țară în care toată lumea fură? Cum poți vorbi despre dreptate socială când magistrații - tocmai cei care se presupune că ar trebui să facă dreptate - și-au făcut stat în stat și se ceartă cu premierul pe media de vârstă la care binevoiesc să iasă la pensie - că o fi 52 de ani, iar nu 48, cum spune Bolojan? Cum poți repara relația cu acest popor care a votat la două mâini cu PSD și populiștii timp de 35 de ani, dar care a avut pretenția ca răspunderea pentru populism să și-o asume altcineva? În fine, cum poți lupta în răspăr cu un popor mânios și care respinge exact singurele surse de bunăstare care pot ține România în viață în următorii ani - fondurile și valorile europene? Jurnalistul PressOne Adrian Mihălțianu remarcă faptul că s-a acordat o atenție sporită nedreptăților pe care le fac bugetarii (cu mic, cu mare, la grămadă) și privații (mai ales companiile alea mari și străine, care nu-și păstrează, domnule, profiturile în țară), și o atenție foarte scăzută pușculiței de bani a partidelor și a rețelelor lor mafiote din teritoriu: celebrul PNDL / Anghel Saligny, programul din care se hrănesc miile de primari din teritoriu și mai ales baronii locali care au definit aceste partide în ultimii 30 de ani.  Înțeleg că domnul Bolojan nu poate isteriza din prima clientela politică PNL și PSD și că trebuie să-și pregătească atent următorii pași dacă vrea să rămână la guvernare suficient timp cât să urnească lucrurile, însă absența acestui program extrem de dăunător stabilității economice a României din prim-planul discuțiilor publice nu e un semn bun, mai notează editorialistul. În opinia sa, România poate scădea foarte rapid o bună parte din deficitul său bugetar dacă reorientează integral fondurile rămase necontractate din Anghel Saligny către finanțări proprii în proiecte europene.

Você talvez conheça a história: uma pessoa nasce num ambiente pobre e, por uma série de circunstâncias, ascende economicamente, e tem acesso a lugares e pessoas diferentes - mas ela não se sente pertencendo a aqueles lugares, e também não mais ao ambiente de origem. O que a ciência tem a dizer sobre isso?Confira o papo entre o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza.>> OUÇA (58min 11s)*Naruhodo! é o podcast pra quem tem fome de aprender. Ciência, senso comum, curiosidades, desafios e muito mais. Com o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza.Edição: Reginaldo Cursino.http://naruhodo.b9.com.br*APOIO: INSIDERIlustríssima ouvinte, ilustríssimo ouvinte do Naruhodo,Chegamos mais uma vez no momento INSIDER. E hoje eu quero compartilhar com você uma experiência pessoal.Eu sou relativamente minimalista em meu guarda-roupas: 70% das minhas peças são pretas, 90% delas são lisas.E meu estilo é bem informal: a roupa que eu uso no dia a dia não é tão diferente assim da roupa pra sair.Por isso a INSIDER combinou tanto comigo: ela me proporciona informalidade com sofisticação.Tecido encorpado e cortes modernos, que trazem um caimento perfeito. Peças que eu não preciso passar, que não marcam, que não ficam com mau cheiro - e, principalmente, peças que duram.Estilo despojado, sim, mas sempre com cara de novo. Minha vida fica mais prática e eu fico mais bem vestido.Então, fica aqui meu convite: experimente INSIDER você também e aproveite o desconto de 15% para ouvintes do NARUHODOPara isso, o jeito mais fácil é usar o endereço: creators.insiderstore.com.br/NARUHODOOu clicar no link da descrição deste episódio: o cupom NARUHODO será aplicado automaticamente no carrinho.INSIDER: inteligência em cada escolha.#InsiderStore*REFERÊNCIASChildhood poverty and mental health disorders in early adulthood: evidence from a Brazilian cohort studyhttps://link.springer.com/article/10.1007/s00787-021-01923-2PATRIMÓNIOS INDIVIDUAIS DE DISPOSIÇÕES Para uma sociologia à escala individual https://www.proquest.com/docview/1152161389?fromopenview=true&pq-origsite=gscholar&sourcetype=Scholarly%20JournalsOn Both Sides of the Tracks: Social Mobility in Contemporary French Literature by Morgane Cadieu (review)https://muse.jhu.edu/article/953431Peut-on être clinicien de soi? L'exemple d'une introspection sociologique à partir de la figure du transfuge de classe https://hal.science/hal-01658169/Language Learning as Opportunity across the LifeSpan The Transfuge Narrative https://www.taylorfrancis.com/chapters/edit/10.4324/9781315561561-3/language-learning-opportunity-across-lifespan-simon-coffeyOn both sides of the tracks: social mobility in contemporary French literature https://www.tandfonline.com/doi/full/10.1080/09639489.2025.2501228Transclasses: A Theory of Social Non-reproduction https://www.amazon.com.br/Transclasses-Theory-Social-Non-reproduction-English-ebook/dp/B0C4ZGW3C2de Gaulejac, V. La névrose de classe. Trajectoire sociale et conflits d'identité suivi d'une lettre d'Annie Ernaux.https://journals.openedition.org/osp/5366?lang=frThis Land Is Minehttps://www.youtube.com/watch?v=8tIdCsMufIY&list=RD8tIdCsMufIY&start_radio=1Pierre Bourdieu: a teoria na práticahttps://www.scielo.br/j/rap/a/3bmWVYMZbNqDzTR4fQDtgRs/#:~:text=O%20conceito%20de%20habitus%20denota,Bourdieu%2C%201984%3A29).Confissão e perdão em Les armoires vides d'Annie Ernauxhttps://periodicos.fclar.unesp.br/lettres/article/download/19814/19153/82221Naruhodo #168 - Japonês é tudo igual?https://www.youtube.com/watch?v=tu1s3JuB_LwNaruhodo #170 - Para conseguir algo basta acreditar ou querer muito?https://www.youtube.com/watch?v=3ln4vHUiFGENaruhodo #373 - Como funciona a carreira de cientista?https://www.youtube.com/watch?v=8ZaQHTb-o4UNaruhodo #316 - Como funciona a publicação de artigos científicos?https://www.youtube.com/watch?v=i1FsPK-bb8kNaruhodo #346 - Programação Neurolinguística (PNL) tem base científica? - Parte 1 de 2https://www.youtube.com/watch?v=p9-iauANzY0Naruhodo #347 - Programação Neurolinguística (PNL) tem base científica? - Parte 2 de 2https://www.youtube.com/watch?v=yggQXOE9lRYNaruhodo #363 - Jejum de dopamina funciona?https://www.youtube.com/watch?v=908qoFZG8rYNaruhodo #387 - Somos bons (ou maus) por natureza? - Parte 1 de 2https://www.youtube.com/watch?v=Fx37e0PUgY4Naruhodo #388 - Somos bons (ou maus) por natureza? - Parte 2 de 2https://www.youtube.com/watch?v=xwAEaMyfm0QNaruhodo #404 - Por que algumas pessoas gostam de terminar as coisas e outras não?https://www.youtube.com/watch?v=pTSZ--4TKMk*APOIE O NARUHODO!O Altay e eu temos duas mensagens pra você.A primeira é: muito, muito obrigado pela sua audiência. Sem ela, o Naruhodo sequer teria sentido de existir. Você nos ajuda demais não só quando ouve, mas também quando espalha episódios para familiares, amigos - e, por que não?, inimigos.A segunda mensagem é: existe uma outra forma de apoiar o Naruhodo, a ciência e o pensamento científico - apoiando financeiramente o nosso projeto de podcast semanal independente, que só descansa no recesso do fim de ano.Manter o Naruhodo tem custos e despesas: servidores, domínio, pesquisa, produção, edição, atendimento, tempo... Enfim, muitas coisas para cobrir - e, algumas delas, em dólar.A gente sabe que nem todo mundo pode apoiar financeiramente. E tá tudo bem. Tente mandar um episódio para alguém que você conhece e acha que vai gostar.A gente sabe que alguns podem, mas não mensalmente. E tá tudo bem também. Você pode apoiar quando puder e cancelar quando quiser. O apoio mínimo é de 15 reais e pode ser feito pela plataforma ORELO ou pela plataforma APOIA-SE. Para quem está fora do Brasil, temos até a plataforma PATREON.É isso, gente. Estamos enfrentando um momento importante e você pode ajudar a combater o negacionismo e manter a chama da ciência acesa. Então, fica aqui o nosso convite: apóie o Naruhodo como puder.bit.ly/naruhodo-no-orelo

Congres PNL. Ce nu s-a văzut la TV: surprize, negocieri purtate până la votul final, atacuri interne și scepticism privind împărțirea funcțiilor (Libertatea) - Bucureștiul vrea iar zone fără mașini poluante. De ce n-a reușit în 2019 și care sunt „rețetele” altor capitale europene (SpotMedia) - Istoric, despre scandările „Ceaușescu!” de la „Beach, Please!”: „Așa au apărut lucrurile și în Rusia, cu evocări sentimentale” (Adevărul) Moţiunea de cenzură împotriva Guvernului Bolojan – dezbătută şi supusă votului, luni, în plenul comun al Parlamentului (G4Media) Moţiunea de cenzură depusă de parlamentarii AUR împotriva Executivului şi intitulată „Au ruinat ţara şi acum îi obligă pe români să achite nota de plată – afară cu Guvernul ipocrit” va fi dezbătută şi supusă votului luni, de la ora 15:00, în plenul Parlamentului. Moţiunea de cenzură, semnată de parlamentari AUR, POT, S.O.S. România şi neafiliaţi, a fost prezentată săptămâna trecută de liderul senatorilor AUR, Petrişor Peiu, în fața unei săli aproape goale. Parlamentarii partidelor din coaliţia de guvernare, PSD, PNL, USR, UDMR, vor asigura cvorumul la şedinţă, dar nu vor vota. Anunţul a fost făcut de preşedintele interimar al PSD, Sorin Grindeanu. Pentru a fi adoptată moţiunea de cenzură este nevoie de 233 de voturi pentru. Votul va fi secret cu bile. Dacă moţiunea de cenzură va primi votul majorităţii deputaţilor şi senatorilor, atunci Guvernul Bolojan este demis. Dacă aceasta nu va fi adoptată, atunci proiectul pe care Executivul şi-a asumat răspunderea este adoptat. Congres PNL. Ce nu s-a văzut la TV: surprize, negocieri purtate până la votul final, atacuri interne și scepticism privind împărțirea funcțiilor (Libertatea) Congresul PNL nu a fost doar o competiție în care s-a ales conducerea liberală, în urma unor lupte și negocieri dure, dar și loc de socializare și discuții privind teme importante pentru orice membru de vază: cum se împart funcțiile pe vreme de austeritate și cu încă un partid în coaliție. După patru ani de pauză electorală internă, pentru că alegerea lui Nicolae Ciucă la Congresul din 2022 numai competiție nu a fost, liberalii și-au înnoit garda, într-un cadru mai puțin tensionat față de aprilie 2021, dar unde au existat în continuare orgolii. Iar lupta cea mare a fost pentru funcțiile de prim-vicepreședinte. Nicoleta Pauliuc, senatoare de Ilfov, a purtat discuții om la om și i-a chemat la poze pe toți cei pe care îi întâlnea. La rândul său, campanie până pe ultima sută de metri a făcut și Adrian Veștea (șeful CJ Brașov și secretar general interimar). Acesta a mers să poate discuții om la om, iar în sala unde a fost ținut Congresul pe toate scaunele puteau fi găsiți fluturași cu candidatura aceasta. În ceea ce privește ceilalți candidați, oarecum surprinzătoare a fost o ostilitate destul de mare la o parte din delegații din sud, fie că erau din filiale din București, fie din județe. Veniți ca invitați au fost Nicușor Dan (președintele României), Igor Grosu (președintele Parlamentului Rep. Moldova), Ionuț Moșteanu (prezentat eronat ca lider al parlamentarilor USR, deși acum e ministru al Apărării, iar în trecut a fost șef doar la Cameră), dar și Csoma Botond (liderul deputaților UDMR), precum și Varujan Pambuccian, liderul Grupului minorităților. Bucureștiul vrea iar zone fără mașini poluante. De ce n-a reușit în 2019 și care sunt „rețetele” altor capitale europene (SpotMedia) Primăria Capitalei a lansat în dezbatere publică Planul de Acțiune pentru Orașe Verzi – un document strategic care propune, printre altele, delimitarea, în București, a unor zone cu emisii reduse (cunoscute în engleză ca Low Emission Zones sau LEZ), În aceste zone, accesul vehiculelor vechi și poluante ar urma să fie restricționat, cu scopul de a reduce nivelul de poluare din oraș. Planul de Acțiune pentru Orașe Verzi este scris de o echipă de experți internaționali, selectați și coordonați de BERD. Documentul e gata încă din 2023, dar n-a fost încă adoptat, din cauză că era nevoie să parcurgă un traseu birocratic. Acum a ajuns în etapa finală. Alte capitale europene au adoptat astfel de măsuri în urmă cu zeci de ani. A avut și Bucureștiul  o tentativă în 2019, în timpul mandatului Gabrielei Firea. Dar până la urmă, de teamă să-și piară capitalul politic, Firea a făcut pasul înapoi. Istoric, despre scandările „Ceaușescu!” de la „Beach, Please!”: „Așa au apărut lucrurile și în Rusia, cu evocări sentimentale” (Adevărul) Scandările pro-Ceaușescu de la festivalul „Beach, Please!” reflectă un val periculos de nostalgie totalitară, chiar dacă organizatorii invocă o glumă, atrage atenția istoricul Cosmin Popa. Institutul de Investigare a Crimelor Comunismului şi Memoria Exilului Românesc (IICCMER) a reacționat, duminică, după apariția unor imagini video în care un grup de participanți la festivalul „Beach, please!” a scandat „Ceaușescu! Ceaușescu!” la vederea lui Selly (Andrei Șelaru), organizatorul festivalului. „A fost o glumă” ar putea explica tinerii, nicidecum un act de omagiere a fostului dictator comunist, știut fiind faptul că Selly este poreclit „dictatorul”, explicația lui fiind aceea că a primit această poreclă pentru eficiența cu care organizează lucrurile. Realitatea este însă aceea că societatea românească se confruntă cu un val de nostalgii totalitare, iar pe acest teren mișcările de destabilizare sunt ușor de implementat.

Moțiunea de cenzură depusă de AUR după asumarea răspunderii Guvernului pentru măsurile de austeritate nu are susținere în Parlament, spune la RFI vicepreședintele PNL Alexandru Muraru. El crede pe de altă parte că orice partid care ar rupe coaliția de la guvernare ar risca să nu mai intre în Parlament. Alexandru Muraru, despre moțiunea de cenzură: ”Este un demers politic fără susținere parlamentară, care nu oferă nici o alternativă reală de guvernare. Este un exercițiu retoric și nu este o soluție pentru România. Autorii moțiunii au absentat inclusiv de la citirea moțiunii, iar acest lucru arată cât preț pun pe propriul demers”. Despre PSD: ”Eu consider că PSD are o singură șansă de supraviețuire, aceea de a rămâne în coaliția de guvernare, pentru că PSD, ca și orice alt partid din coaliție, dacă va părăsi această guvernare, eu cred că va fi taxat acest partid sau alte partide vor fi taxate extrem de dur, până la neintrarea în Parlament, dacă acest lucru se va întâmpla”. Despre PNL post-Congres: ”În momentul de față, persoana cu cea mai mare credibilitate politică în România, ca Executiv mă refer, este Ilie Bolojan (...). Această conducere nouă a PNL, din care am și eu onoarea să fac parte, dă mai multă stabilitate guvernării, înseamnă o conducere care își va asuma inclusiv reforma partidului și formarea unei noi generații de politicieni”.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=ZLRULoeOcqI ¿Sientes que hay algo más dentro de ti esperando ser despertado? En esta mesa redonda con especialistas en espiritualidad y conciencia, compartimos las técnicas más poderosas para conectar con el alma, calmar la mente, liberar bloqueos y vivir desde tu esencia verdadera. Cómo silenciar al ego y escuchar tu guía interior Claves para reconectar con tu propósito y sentir paz interior María Cristina Moros Lic. Derecho, máster en Bioneuroemoción, mentora y conferenciante. Formación en Angeloterapia Cuántica, Constelaciones Familiares, Coaching, Árbol Transgeneracional y Un Curso de Milagros. https://centroamoroso.com/ / centroamoroso Marietta Rodríguez Terapeuta holística y fundadora de un centro para la transformación del conocimiento y el bienestar en Costa Rica. Es iniciadora y formadora de Reiki. https://adclic.link/SATORIHOLISTICO / satori_holistico Betty Mendoza Experta en Renacimiento Breathwork. Astróloga y terapeuta de Reiki y PNL. Maestría en psicología. Ofrece sesiones individuales, de pareja y para empresas. https://bettymendoza.net/ / bettymendozanet Alberto Arrizabalzaga Cuenta con más de 37 años en el mundo de la Sanación Espiritual. Creador de la kinesiología del Alma y Biomagnetismo Holografico Múltidimensional. https://kinesiologiadelalma.com/ / arribalzagaalberto Sara Ramírez Escritora, mentora y conferencista en crecimiento personal, certificada en Psicología Positiva y Coach Ontológico. / sary_ramirez73 / sariramirezcoach Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

As U.S. retailers manage the impacts of increased tariffs, they have taken a number of approaches to avoid raising prices for customers. Our Head of Corporate Strategy Andrew Sheets and our Head of U.S. Consumer Retail and Credit Research Jenna Giannelli discuss whether they can continue to do so.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Head of Corporate Credit Research at Morgan Stanley.Jenna Giannelli: And I'm Jenna Giannelli, Head of U.S. Consumer and Retail Credit Research.Andrew Sheets: And today on the podcast, we're going to dig into one of the biggest conundrums in the market today. Where and when are tariffs going to show up in prices and margins? It's Friday, July 11th at 10am in New York. Jenna, it's great to catch up with you today because I think you can really bring some unique perspective into one of the biggest puzzles that we're facing in the market today. Even with all of these various pauses and delays, the U.S. has imposed historically large tariffs on imports. And we're seeing a rapid acceleration in the amount of money collected from those tariffs by U.S. customs. These are real hard dollars that importers – or somebody else – are paying. Yet we haven't seen these tariffs show up to a significant degree in official data on prices – with recent inflation data relatively modest. And overall stock and credit markets remain pretty strong and pretty resilient, suggesting less effect.So, are these tariffs just less impactful than expected, or is there something else going on here with timing and severity? And given your coverage of the consumer and retail sectors, which is really at the center of this tariff debate – what do you think is going on?Jenna Giannelli: So yes, this is a key question and one that is dominating a lot of our client conversations. At a high level, I'd point to a few things. First, there's a timing issue here. So, when tariffs were first announced, retailers were already sitting on three to four months worth of inventory, just due to natural industry lead times. And they were able to draw down on this product.This is mostly what they sold in 1Q and likely into 2Q, which is why you haven't seen much margin or pricing impact thus far. Companies – we also saw them start to stock up heavily on inventory before the tariffs and at the lower pause rate tariffs, which is the product you referenced that we're seeing coming in now. This is really going to help mitigate margin pressure in the second quarter that you still have this lower cost inventory flowing through. On top of this timing consideration, retailers – we've just seen utilizing a range of mitigation measures, right? So, whether it's canceled or pause shipments from China, a shifting production mix or sourcing exposure in the short run, particularly before the pause rate on China. And then really leaning into just whether it's product mix shifts, cost savings elsewhere in the PNL, and vendor negotiations, right? They're really leaning into everything in their toolbox that they can. Pricing too has been talked about as something that is an option, but the option of last resort. We have heard it will be utilized, but very tactically and very surgically, as we think about the back half of the year. When you put this all together, how much impact is it having? On average from retailers that we heard from in the first quarter, they thought they would be able to mitigate about half of the expected tariff headwind, which is actually a bit better than we were expecting. Finally, I'll just comment on your comment regarding market performance. While you're right in that the overall equity and credit markets have held up well, year-to-date, retail equities and credit have fared worse than their respective indices. What's interesting, actually, is that credit though has significantly outperformed retail equities, which is a relationship we think should converge or correct as we move throughout the balance of the year.Andrew Sheets: So, Jenna, retailers saw this coming. They've been pulling various levers to mitigate the impact. You mentioned kind of the last lever that they want to pull is prices, raising prices, which is the macro thing that we care about. The thing that would actually show up in inflation. How close are we though to kind of running out of other options for these guys? That is, the only thing left is they can start raising prices?Jenna Giannelli: So closer is what I would say. We're likely not going to see a huge impact in 2Q, more likely as we head into 3Q and more heavily into the all-important fourth quarter holiday season. This is really when those higher cost goods are going to be flowing through the PNL and retailers need to offset this as they've utilized a lot of their other mitigation strategies. They've moved what they could move. They've negotiated where they could, they've cut where they could cut. And again, as this last step, it will be to try and raise price.So, who's going to have the most and least success? In our universe, we think it's going to be more difficult to pass along price in some of the more historically deflationary categories like apparel and footwear. Outside of what is a really strong brand presence, which in our universe, historically hasn't been the case.Also, in some of the higher ticket or more durable goods categories like home goods, sporting goods, furniture, we think it'll be challenging as well here to pass along higher costs. Where it's going to be less of an issue is in our Staples universe, where what we'd put is less discretionary categories like Beauty, Personal Care, which is part of the reason why we've been cautious on retail, and neutral and consumer products when we think about sector allocation.Andrew Sheets: And when do you think this will show up? Is it a third quarter story? A fourth quarter story?Jenna Giannelli: I think this is going to really start to show up in the third quarter, and more heavily into the fourth quarter, the all-important holiday season.Andrew Sheets: Yeah, and I think that's what's really interesting about the impact of this backup to the macro. Again, returning to the big picture is I think one of the most important calls that Morgan Stanley economists have is that inflation, which has been coming down somewhat so far this year is going to pick back up in August and September and October. And because it's going to pick back up, the Federal Reserve is not going to cut interest rates anymore this year because of that inflation dynamic. So, this is a big debate in the market. Many investors disagree. But I think what you're talking about in terms of there are some very understandable reasons, maybe why prices haven't changed so far. But that those price hikes could be coming have real macroeconomic implications.So, you know, maybe though, something to just close on – is to bring this to the latest headlines. You know, we're now back it seems, in a market where every day we log onto our screens, and we see a new headline of some new tariff being announced or suggested towards countries. Where do you think those announcements, so far are relative to what retailers are expecting – kind of what you think is in guidance?Jenna Giannelli: Sure. So, look what we've seen of late; the recent tariff headlines are certainly higher or worse, I think, than what investors in management teams were expecting. For Vietnam, less so; I'd say it was more in line. But for most elsewhere, in Asia, particularly Southeast Asia, the rates that are set to go in effect on August 1st, as we now understand them, are higher or worse than management teams were expecting. Recall that while guidance did show up in many flavors in the first quarter, so whether withdrawn guidance or lowered guidance. For those that did factor in tariffs to their guide, most were factoring in either pause rate tariffs or tariff rates that were at least lower than what was proposed on Liberation Day, right? So, what's the punchline here? I think despite some of the revisions we've already seen, there are more to come. To put some numbers around this, if we look at our group of retail consumer cohort, credits, consensus expectations for calling for EBITDA in our universe to be down around 5 percent year-over-year. If we apply tariff rates as we know them today for a half-year headwind starting August 1st, this number should be down around 15 percent year-over-year on a gross basis…Andrew Sheets: So, three times as much.Jenna Giannelli: Pretty significant. Exactly. And so, while there might be mitigation efforts, there might be some pricing passed along, this is still a pretty significant delta between where consensus is right now and what we know tariff rates to be today – could imply for earnings in the second half.Andrew Sheets: Jenna, thanks for taking the time to talk.Jenna Giannelli: My pleasure. Thank you.Andrew Sheets: And thank you as always for your time. If you find Thoughts to the Market useful, let us know by leaving a review wherever you listen. And also tell a friend or colleague about us today.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=gH1cvmGm0vY ¿Cuántas veces creemos estar actuando con amor, sin notar que estamos perdiéndonos a nosotros mismos? A veces nos agotamos tratando de sostener vínculos desequilibrados, dando siempre la razón e ignorando las señales que hablan claro. ¡Únete a Mónica Munévar y descubre las Red Flags que estás aceptando en tu relación! Mónica Munévar Coach de vida, empresarial, de liderazgo y PNL. Diseñó su propio método, con el que sus clientes aprenden a amarse y a vivir bien con lo que son. Automáticamente ese bienestar se expande a su vida personal, familiar y empresarial. #Relaciones #Pareja #CrecimientoPersonal Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

Nathalie Gudayol é psicóloga graduada pela Universidade Metodista de São Paulo, com pós-graduação em Neuropsicologia pela Faculdade de Ciências Médicas da Santa Casa de Misericórdia e em Neurociência pela PUC. Possui formação em EMDR pelo Trauma Clinic e é Master em Programação Neurolinguística (PNL) pela Ápice Desenvolvimento Humano, atuando com foco em saúde mental, neurociência e reprocessamento de traumas.Temas:00:00 - Intro07:58 - Comparações, Guerra e a Injustiça da Vida15:57 - A Formação dos Traumas na Primeira Infância23:56 - Maternidade, Culpa e Amamentação Forçada31:55 - O Sofrimento Psicológico na Geração Z39:54 - Redes Sociais, Padrões Irreais e Autocomparação47:53 - A Biologia da Atração e os Conflitos de Gênero55:52 - Relações, Carência e a Supervalorização do Sexo1:03:51 - Companheirismo Como Pilar do Amor Duradouro1:11:50 - Por Que é Tão Difícil Mudar Com o Passar dos Anos1:19:49 - A Dor Masculina e a Cultura do Silêncio1:27:48 - Todos Sabem o Que Fazer, Mas Poucos FazemNathalie: https://www.instagram.com/nagudayol/Youtube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/excepcionaispodcast⁠⁠Siga:Marcelo Toledo: https://instagram.com/marcelotoledoInstagram: https://instagram.com/excepcionaispodcastTikTok: https://tiktok.com/@excepcionaispodcastPatrocinadorEspaço Volpi - Saúde, bem-estar e superaçãoMencione o Excepcionais para ter uma condição especial

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=Ja_iW90cObQ ¿Y si tu estrés crónico no fuera solo físico o mental, sino una señal profunda de tu alma? En este encuentro, Laura Nieto te revela la dimensión espiritual del estrés que muchos ignoran. Laura Nieto Especialista en salud mental y bienestar emocional, con formación en descodificación biológica, Nueva Medicina Germánica, PNL e Hipnosis Ericksoniana. Habilidad en terapia emocional, cuántica, energética y sanación integral. / lauranieto.concienciainterior / lauranietoconcienciainterior #EstrésCrónico #GestiónEmocional #ConocimientoHolístico Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=EQ8YBIVmuko La memoria del origen no es un recuerdo mental, si no una activación energética y vibracional que se enciende cuando la Consciencia regresa a su centro; cuando el alma comienza a recordar su viaje, su propósito y su conexión con la Fuente. Nieves Martínez Facilitadora en Desarrollo Humano y Comunicación en los procesos de cambio con PNL, Semiología de la Vida y Coaching, así como Terapeuta Holística cuántica, autora y canalizadora. https://nievesmartinez.com.mx/ / nieveslapazinterior / nieveslapazinterior Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=WkqWnLNKJs8 Esta entrevista se basa en la mirada profunda y empática del agotamiento emocional, físico y mental que afecta a millones de personas en el mundo. Verónica Soliño explora las causas, síntomas y caminos hacia la recuperación del burnout. Verónica Soliño Terapeuta transpersonal, diplomada en Bioneuroemoción, especialista en Adicciones y PSYCH-K. Intervencionista familiar por la IC&RC. Formada en PNL, terapia sistémica y CI para la atención al suicidio. Más de 15 años acompañando proceso vitales. #Burnout #SaludMental #GestiónEmocional Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=YITgFKJ6tXI ¿Qué significa hoy ser una mujer consciente y creadora de su propio destino? Cinco mujeres expertas en sanación emocional, coaching sistémico, espiritualidad femenina y desarrollo interior comparten su mirada sobre el poder transformador de la mujer. Heridas de infancia, relación madre-hija, arquetipos, registros akáshicos, amor propio y propósito: claves profundas para liberar el potencial femenino y despertar a una vida con sentido. Tasso Hetterschijt Psicóloga, coach sistémico y consteladora familiar internacional de la Hellinger Sciencia. Desde el 2019 se ha centrado en el trabajo sistémico, específicamente en la relación madre e hija y la herida con la madre. / tasso.hetterschijt Neus Tur Instructora de ThetaHealing a nivel internacional, Maestra de Registros Akashicos y Facilitadora de Barras de Acces. / neustur__recreate Yerutí Espina Ortiz Coach de relaciones y Master en PNL . Creadora de la “Cumbre de Mujeres y Diosas” y la "Cumbre Ikigai", además de especialista en Sagrado Femenino. https://demujeresydiosas.com/ / demujeresydiosas Laura Poveda Terapeuta emocional, mentora de amor propio y especialista en heridas de infancia. http://wwww.laurapoveda.com/ / laurapoveda.terapeuta Isaura Sánchez Escritora, artista, ilustradora y Coach de ArteTerapia. Investigadora de la simbología y arquetipos junguianos. https://isaurasanchez.com/ / isaura_resolucion_3 Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=vb1VniVSH-g Cada experiencia, lejos de ser casual, es una lección diseñada para nuestro crecimiento interior. Los obstáculos no son frenos, sino trampolines para trascender límites y elevar nuestra vibración. Al comprender esto, todo cobra sentido y nos alineamos con nuestro propósito espiritual. Gema Martíz Directora de Espacio Argenta: centro de nutrición y bienestar. Técnico en dietética, nutrición, naturopatía y alimentación consciente. Coach, practicioner PNL y Maestra de reiki, radiestesia y mindfulness. https://www.espacioargenta.es/ / espacio_argenta / espacioargenta14 Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

Meet Carla Titus, the owner of Wealth and Worth Within, a financial consulting company. While she started as a CFO for a Fortune 500 company, she found that she wanted to have a more significant impact. This led her to working with small businesses to ensure their finances are in order and plan for the future. Her and her team help business owners fix financial problems with their businesses and plan for expansion, financial stability, and make moves towards understanding their business's financial health. Carla has found that by specializing working with mental health businesses that there are some common problems that many owners run into. She helps practice owners look into what their rates are and any changes that can be made there, figuring out what a hiring plan looks like, and what is profitable. Key takeaways:-Business owners need an action plan to proactively work towards financial stability. -Planning for the future helps avoid common financial pitfalls!-Working with multiple industries helps Wealth and Worth Within keep things fresh for their team and bring different strategies across industries.-Profit is an important aspect of running your business! Even if it feels corporate like, the practice needs to be able to make money. You run out of money, you can't run your business.-A common mistake that many practice owners make when running their business is not focusing on cash flow. You need to manage your cash flow to make sure that you still have money in the bank to pay your employees even when there are slow downs in revenue.-Look at your financial statements every month! Specifically the profit and loss statement (PNL). This tells you where your money is going.Carla's Links:WebsitePodcastLinkedIn

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=YqcSLNnxtCM ¿Qué es realmente el inconsciente? ¿Cómo acceder a sus diferentes niveles y utilizar su poder para sanar y transformarte? Exploramos las claves de la Consciencia Iniciática, diferenciando conceptos como mente subconsciente, psique, psiquismo y supraconsciente. Descubre sus mecanismos, su profundidad y cómo utilizarlo para alquimizar, develar e insertar información. Guillermo Castaño Psico Bio Terapeuta de Descodificación Biológica. Especialista en hipnosis, PNL, EMDR, terapia sistémica breve y de pareja y chamanismo Tolteca-Andino. https://escueladesarollohumano.wisboo... / _desarrollo_humano / guillermobiodescodificacion Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=rp3Pt2OLPH8 Nieves Martínez te invita a redefinir el concepto de la Muerte. Recibe su guía para reconectar con el Ser, ayudándote a transmutar el dolor, liberar cargas y vivir presente. Vivir en consciencia implica conexión interna, atención plena y tomar presencia en cada momento. Nieves Martínez Facilitadora en Desarrollo Humano y Comunicación en los procesos de cambio con PNL, Semiología de la Vida y Coaching, así como Terapeuta Holística cuántica, autora y canalizadora. https://nievesmartinez.com.mx/ / nieveslapazinterior / nieveslapazinterior Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. ------------INFORMACIÓN SOBRE MINDALIA----------DPM Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=zeWJm_jZcrk Muchas personas viven atrapadas en historias del pasado que las limitan. La Neuroplasticidad y la Reprogramación Mental te permiten reescribir tu destino, soltar patrones heredados, superar bloqueos y construir una identidad verdadera. No eres tu historia, eres quien elige qué hacer con ella. Isabel Cuadra Terapeuta y mentora Gestalt, PNL, Descodificación Biológica, Hipnosis, Naturopatía y Neuroplasticidad. Tiene su propio método para transformar síntomas emocionales y físicos, inseguridad, patrones de pareja y estrés, generando cambios profundos. Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=SZLWkilJLjM El Tribunal de Expiación es un proceso de sanación espiritual donde de se le pide a nuestras Almas que resuelvan los problemas del pasado y alcancen el perdón. Los resultados de esta sanación se manifiestan en el plano consciente, con múltiples aplicaciones para nuestro bienestar integral. Mauricio Marcovich Especialista en Sanación Emocional para el bienestar integral. Certificado en El Código de la Emoción, Zpoint, máster en PNL y muchas más. Imparte sesiones y talleres para particulares y empresas. Más de 15 años de experiencia. #SanacionEspiritual #Alma #Expiación Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=fetKng1Hyxs El corazón es un símbolo universal de amor, pero también posee una forma geométrica fascinante. Frank Chester descubrió el Chestaedro, que revela la estructura oculta del corazón. Esta forma combina equilibrio y fluidez, conectando la ciencia, el arte y la espiritualidad en un mismo latido. Cielito Dobronski Profesional en RRHH, Psicóloga Holística, coach, trainer en PNL, terapeuta de Bioenergía Piramidal, terapeuta de Biosíntesis, consteladora familiar, consteladora de empresas, radiónica y máster Reiki. Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

Kiera and Dana offer a life raft for businesses struggling to keep cash flow in the green, including specific steps to help get your practice back on course. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today I am jazzed. Dana, the one and only Dynamite Dana over there. She's on the podcast with me today. Dana, how are you today?   Dana (00:10) doing pretty good. It's a beautiful day here and so I'm just excited to be on the podcast with you.   Kiera Dent (00:15) Dana, I am so glad because you and I, feel like we're ships in the night. We see each other, we wave to each other. We love working together, but the reality of us like being on the same boat to talk to each other is few and far between, which is so ironic. But every time I see you in person, I'm like, Dana, we need to hang out more. Like, so it's fun to podcast, even though, I mean, it's a funny way to say hello. We're like here to do work, but at least we get to like have more interactions. So, ⁓ thanks for being on my ship today. I guess like welcome, welcome aboard, matey.   Dana (00:44) Yeah,   happy to be here, Gatton.   Kiera Dent (00:48) But today you guys, Dana and I, we were talking about like some burnout and cashflow row. So think about death row. We actually have a lot of clients that come to us. Thankfully, like once they become clients, they get off death row, cashflow row. But we thought about, think oftentimes burnout and cashflow row ⁓ go hand in hand. And so I figured, Dana, let's get into like, how do you get off of cashflow row? like death row,   you're about to go and like die like literally. ⁓ I feel it's becoming a bit more common than I've seen in the past. I'm super grateful and I just want to shout out and for all of you listening, if you're on cashflow row or you're on burnout row, ⁓ just like a huge hug, a huge hug of love, a huge hug of no judgment. Gosh, I get like emotional thinking about it I think it's so easy as a business owner to like just harp on yourself to just feel like   Like, why am I so dumb? Like, why can't I figure this out? Like, the mean girl or boy in your mind is just like vicious and wicked. And it makes me so angry that we're this way to ourselves as business owners. Cause I'm like, you know what? You're freaking strong. And like, you took these risks and like, you don't know what you're doing, but you know, you wanted to like build a great like culture for your team. You wanted to build this amazing life for your family. And yeah, it's hard. It's really hard to be a business owner. And I think I speak of this so candidly because   Like I've been on death row, like cashflow row. I've been on burnout row, like, and you just sit there and when you need to like have the most love and respect for yourself and grace, it's when we like punch ourselves and kick ourselves and yell at ourselves. And so ⁓ I thought it would be a really, ⁓ hopefully timely podcast for some of you listening of just love of no judgment, of encouragement, and maybe some like shining little stars when you need a North star right now, because   It can feel very daunting. And I want to tell you, you don't have to do it alone. ⁓ You telling yourself you're alone and on an island is your choice. And it's a choice that you don't have to stay with. There's so many ways we can help. I think even just like when we get clients that are on cashflow row, I feel like they feel they finally got a life raft sent to them when they didn't know it was even possible. And as consultants, think Dana and I and our whole consulting team are so passionate about getting you into cashflow positive and doing it with ease where it's not that hard. But   Like it wasn't overnight that you got here either. So it's not going to be overnight. get you out of there. We're to move you pretty quickly. Cause I think like, Hey, someone's like holding the lantern for you in this dark cave. Like, all right, here's the way out. can really, really help you. But really Dana, think like just again, I hope all of you listening know we come to you with love, with no judgment. You're not a terrible business owner. You're not dumb. You shouldn't have known this before. It's just, this is where we are kind of like a patient with perio, right? Like it's okay. Like this is where we are. And the great news is   There are solutions and there's a way out and there's a way to happiness again if you want. So Dana, that's kind of my like emotional pitch to start this off with. Any thoughts you have? Because I think you've seen quite a few come to you on Cash Flow Row from day one.   Dana (03:49) This is.   Yeah, yeah. And I love just your vulnerability there, Kiera, as a business owner, because I say it to doctors all the time, like, whether it's a dental office, whether it's a consulting company, whatever business it is, it doesn't come with an instruction manual. And so we get in there with the best of intentions, we're ready to work hard, we put everything you have into it. And there are ebbs and flows in business. And sometimes it gets really, really hard. And you're right, it is the self talk that   that you have to take a look at and the blame that you put on yourself for being the reason why you got there. And you know what, it's okay, we're gonna figure it out ⁓ and we're gonna stop the bleeding and we're gonna start focusing on the things that are going to matter and are going to move it forward. And you know what, as a coach, I get the pleasure of cheering you along the way and sometimes kicking your booty when it's needed. And ⁓ it is, we are seeing it more and more and I think   it comes down to two, like knowing what cash you need, knowing what you're spending your cash on, and sometimes making some hard decisions based on that too.   Kiera Dent (05:05) Mm-hmm. Yeah, and I think with that it's like awesome. Here we go Here's the blood like we're going to help you get out of that and I love that you said there's no instruction manual just like being a parent There's no instruction manual and so there are just different ways to do it So my big thing and in Dental A team, always like we are profitable We call it the yes model so you can say yes to everything you want in life and the Y stands for you as a person We're gonna focus on E stands for earnings and profitability   and S stands for systems and team development. So like those three things together are going to give you success with ease. So today, if you're on cashflow row or burnout row, I think oftentimes burnout comes because of cashflow. Like it is the scary piece to it. So with that, let's talk about like, what can we do if we're in cashflow row? What are some of the fastest things that will help people get out of cashflow? Dana, I'll let you take this. We're going to just kind of riff back and forth. Like you guys, this is unscripted. This is just from our knowledge of things that we do.   of like when we see offices and again this is coming from real life offices things we've actually done to get them off of cashflow row. Dana let's just riff because you've got a few that have just come and you've got a few that have been there and ⁓ they're doing well.   Dana (06:12) Yeah, yeah, yeah,   I think it is. It's a reviewing of expenses. Is there anything we can cut that we're not cutting ourselves too lean though that we can't continue to grow? And then also, what do need to produce and produce it consistently?   Kiera Dent (06:27) Yeah, I love that. So it's like we either need to increase our production or we need to decrease our expenses. And on the production, I will also say we need to make sure we're collecting. It's wild to me. I was talking to a doctor who's on quote unquote cashflow row and they said, Kiera, I have like $300,000 sitting in AR. And I was like, so you're really not on cashflow row. You've got the money. You just haven't collected it. So realizing that usually in dentistry, there's quite a few cashflow opportunities very quickly.   But I agree with you, Dana. Like step one is like, let's get our PNL and let's know our numbers. Is there anything on there? Like, and I'm talking like, you don't like, gosh, people get wild and they start cutting things that actually you need. Like I know your hygienists are expensive, but they also produce for you. I know billers can feel annoying, but they also collect money for you. I know your treatment coordinator can feel expensive, but they're putting money on your books. I know a consultant can feel like I'm going to cut. can do this on my own, but they're literally the only person holding you accountable and pushing you through and guiding you.   So it's one of those things of like, let's look to see like, what really is stuff to cut? And I'm talking like subscriptions that you're no longer using. This is one that it makes me wild. I don't understand this. It makes no sense to me. But when people are in cashflow row and the only thing I can come up with Dana is it's ego. That's all I can figure out. So I'm just saying to you like, Hey, I hear you. see you. Let's cut the ego and get you into cashflow positive. And then like rock on, do whatever you want from there is like holding onto equipment that you're not using. It's weird to me. Like,   Okay, so we're not like, we thought we were gonna do all these scans of the Itero. And if I look at the last six months, we literally have like taken three scans. Or I bought the CBCT, because I thought was gonna do all these implants, and I'm not doing implants. Or I have like multiple Iteros, but like we've cut back and we've scaled back like, so I only need one Itero instead of three Iteros. those are big expenses on your debt and your loan. Like, let's sell those, let's get rid of them. people, I don't know, it's like embarrassment or ego or like,   Maybe you're still like wishing for the good old glory day. I don't know what it is, but I'm like, get rid of that. Cut the cost. Like think in your own life. If you had a car that you had a car payment on, even though it's the nicest car and it's your dream car, but you can't afford food, you're going to get rid of that car. You're going to sell it and you're going to buy something more economical and affordable. Like let's just get rid of it. No one, no one cares. Like honestly, none of your colleagues know that you're selling the equipment off because you're freaking broke right now.   That's just you and it's okay. it truly like what can you get rid of? there equipment you're no longer using that you could sell that you could pawn off just to get you some cash flow quickly and cut some of that debt services? Like is there any debt service that we can get rid of for you? That's a question like but I think it's a very easy cut on the PNL. Dana thoughts on that.   Dana (09:02) Yeah, I agree with you. then and again, I can't, I can't really decipher where it comes from. But I do you do see offices wanting to hold on to those things. And maybe it is like, well, we'll turn it around, and then I'll use it. Great, then we can get another one down the line. Right. But right now, what the immediate relief from dispensing of it will far outweigh hanging on to it until down the road, maybe we'll need it again.   Kiera Dent (09:27) Exactly. Like it's okay. Like don't don't even stress about it. We're not we're not here for we're not here for that ego. So I think when we're looking at the PNL, let's look to see like go back to COVID days. If you were a business owner during COVID, I remember we scrubbed that PNL like, could we call the lenders? Could we put this on pause? Could we like get rid of this loan? Like those things I think are really important because that actually can free you up exponentially being buried in debt. I remember my husband when we were paying off his loans. Holy moly, he could not see outside of that debt for one second.   We can't get rid of our practice loan, but you could renegotiate your rent, like your lease. Those are things that you can do. I remember during COVID, people got very scrappy and I'm like, don't forget that scrap you just learned a few years ago. Like take those lessons and go through them. that's step one of, but be careful. Like Dana said, please don't cut things that are going, let's not cut the hygienist right away. Like I'm looking at what are the things that are nice to have, but not necessary to have. Let's cut those things.   ⁓ well, I put consulting in a must have. think if they're a great consultant and they're holding you accountable and they're moving you forward, yeah, you better believe it's one of the best dollars you'll ever spend. Now, if you are not, ⁓ if they're not moving you forward, if they're just having like rando conversations with you, probably a good thing to move on. But again, you also should go to your consultant. They work for you and say, I am in cashflow row, which hopefully if they're a good consultant, they would know that. And it's like, we have to make this happen. Now there's no other options.   So after we do that, next step is let's look at our AR. Doctors, if you don't know how to run your AR, that's your aging report. Let's just go see how much money is sitting out in our AR. And let's see if it's patient portion that we could collect or if it's insurance and also why and how much is in our 30, 60, 90 and over 90 buckets. Because that over 90, like this sounds awkward, but doctors like truly you can call patients and you can collect. We can send text messages. I know that feels awkward. I know that doesn't feel like what you want to do.   But these are ways like there is cash there. Also, like, let's look at the protocol of how are we getting there? Are we not collecting when they get into the practice? We can start collecting when they come in. I was in an office yesterday and they're like, gosh, our accounts are all funky. And I was like, sweet. As soon as they walk in, let's collect the money before they even go to the back. They're like, but that's different. We've never done that. And I'm like, think about a hospital. You do that. Like you show up, you pay the money and then you go back, like switch it. It's not weird. People don't think it's weird.   It's very normal. So like, let's collect the money. Let's put some systems into place. So we stop getting into an AR crunch. And really making sure that that is something that we are very proactive on. Do you know other thoughts on AR? AR to me, think is just like this like, I don't know. It's like an endless pit. And I think I have it because when I first started the business, I had this endless pit of AR and I didn't even know it existed. And I'm like, oh, no wonder I'm broke. It's just because we're not collecting the money. And then I was like,   Sweet, let's change the system. That's a system you should put into place. But what are some other thoughts or systems you have around AR to help people get this cash?   Dana (12:16) You   Yeah, I think AR it's it's kind of like culture. It's like a thing that you have to stay super super consistent on and work on all the time and I see it so oftentimes in practice. It's like well I pull it once a month and you know, like I that's when I work on it and I'm like no it's something that you have to set purposeful time aside. So whoever's responsibility it is making sure that every single week they have a chunk of time that can be dedicated solely to working on AR because it is also it can so   quickly grow when we haven't been paying attention to it. And so it's, I'd say, dedicated time for it and then find a cadence that works for you. Whether it's alternating patient and then insurance and then patient follow-up again and then more insurance follow-up, figure out however you can keep it super consistent and make sure you've got dedicated time every single week because it will quickly grow if we're not paying attention to it.   Kiera Dent (12:54) Yes.   Yeah, it's a wild zone that I'm like, okay, ⁓ it's so crazy how fast it will grow on you. so it's, and just so you know how insurance works, if you don't understand this, I'm here to like give you a quick like, all right, this is how the snapshot works. So what it is, is you actually have it where like,   These insurance claims don't fall in like, okay, it's the 30th of the month. So now we go and that's when our 30 days fall into 60 days. Every day, money is moving from the 30 to 60, 60 to 90, 90, because it's based on when that claim sent. So you have to realize this money kind of like interest is how I feel of AR. It's constantly moving on you. So you can call it winning Wednesday, you can call it like taking cash on Tuesday, Thursday, but like literally have days set up for your biller and   This is a position and this is a job responsibility that I am very sticky on. They have to do it. I don't care if we're busy. don't care if patients are calling like, dang, I'm so busy. I had a patient, I can't pay your paycheck. Like that's the reality. They have to collect money. I do not care. Those are non-negotiables for me. It's two hours, Tuesday and Thursday, non-negotiables period. The house will not burn down. The practice will not burn down. Get your dang money because oftentimes that's all it is. And it's just being consistent. So billers,   Doctors, if you need to send this to your bill, like, Hey, we're on cashflow row billers. I'm talking to you. You have a responsibility to your doctor and to this office. They have produced. You need to collect this money. So get the good insurance verification, get the statements, call the insurance companies, figure out why our claims aren't getting paid. That's your job, honey. That's your job. And yes, your responsibility. Like if you want a paycheck, collect the money because that's where your paycheck's coming from. And so   and it's nothing wrong. We're not doing anything wrong. We've done the work. We did great work. Let's collect the money and make sure that we don't get this out of control. It like breaks my heart when doctors have no money and it's because team members, we let our doctors down. They did the work and honestly, team members, it breaks my heart and I'm here to say like, tis tis, shame on you. Be better than that. You are better than that. Collect the money and if you need help, tell your doctor like, hey, hire the dental team. Like we have literally brought in hundreds of thousands of dollars.   just by helping some billers because honestly, doctors, like I say, tisks on the team, which truly it is our fault, but they might not know how to do it or how to do it effectively. There's a lot of ways where we can chunk it. We can break it down. We can make it so much faster and easier for them. We can help them get rid of some of the bad debt. It's running reports differently. It's tagging things differently so they can work it. It becomes so much easier. So again, like if you're billing is a struggle, great opportunity for you to get some help and billers, please don't be afraid to ask for that help too. So.   I say that with a giant hug as well. I know it was like a stern hug, but really you've got to collect that money. So we've got cut your expenses. Look at that. Like debt services. What on earth? Just get rid of the debt. Get rid of anything you can. Next is going to be that we're collecting the money in the AR. Let's figure out how much we have there. And then next is going to be producing. Now I will go on a rant again, clearly cash and burnout. Like let's just not get there. Like I hate this. Let's get you out of there fast. ⁓   I really hate when doctors come on to calls with me and they're like, yeah, I I produced a million last year. And I'm like, that's awesome. And they're like, yeah, but we had to write off 50%. So we were only produced like 500,000. And I'm like, why did you tell me a million that only served you like high five, but you did not produce a million. I don't care that that's your office fee that feeds your ego only, but it's not real. And what you're doing is you're actually hurting yourself because you're, you're elusive to the fact that you're not producing a million, but you think you are.   but you're living on 500 bucks, it'd be like, or 500,000. It's like, oh, Dana, I make a million a year, but I only have like 90,000. Well, why are you telling me you have a million? You don't actually, like that's not even real money. That's monopoly money. I'm so glad we gave you some paper money. Like I get it, but you're in insurance. So like, let's live on real numbers so you can produce real numbers. Cause this is often where cashflow happens because you're like, well, we're making a million.   No, you're not. You're making 500,000. So either get out of network, which I strongly would not recommend, but do a block schedule, figure out how to produce, make sure you're diagnosing. And also when I hear about these cashflow row offices, normally, and doctors, I'm not a dentist, so I'm not here to tell you how to do it. I'm just here to say, whatever number you want and need to produce, you need to be diagnosing three times that amount. That's a statistic that's proven. You've got to be diagnosing enough to get that money on your schedule.   And the next piece is treatment coordinators and doctors. We've got to make sure we're closing that treatment and getting it on the books and doing quadrant dentistry, not just solo tooth. If we're watching, what are we watching for? If you're a watcher, you're scared to diagnose, just diagnose one more thing that you would normally watch. Just put it on the books. That's going to help you. But the reality is you, you truly have a moral obligation to diagnose your patients, ⁓ to tell them what needs to happen and to not judge them based on what you think their bank account is. Your job is to be a comprehensive dentist.   All right, Dana, I'm off my soapbox. You should take it away from me now. What are your thoughts on that?   Dana (18:17) Thank   I love that and I do say yeah exactly we want to look at net numbers and if you're not happy with your adjustments then there are you know ways to tackle that through fee negotiations through you know looking at your numbers to see is it worth   changing some network status with one insurance company or making a little bit of a shift or do we just need to start, like you said, being strategic and block scheduling and maybe even one more step of, hey, yeah, we can block schedule and we've got to watch our insurance mix within our block schedule. All of those things are avenues. just kind of, you have to take a look at.   Kiera Dent (18:50) Mm-hmm.   Dana (18:55) the numbers and build it to be efficient, successful, get you to your goal and to also not cause burnout. I get so much pushback on block scheduling because it's like, well, my team knows how to schedule. Absolutely, right? But like, can I get you to goal with two, three crowns and a quadrant worth of fillings? Yes. Can I also get you to goal with 32, one surface fillings? Sure can. Those days feel super different.   Right? That's a lot of turnover, a lot of check in and check out and insurance verification and all of those things. And so when we build it more strategically, dang, those days feel really, really different to   Kiera Dent (19:23) They do.   And I say this often, I'll say it again, if we have a bad schedule, that was our fault. Like I know you're like, well, patients, can like, they just want to go here. And I'm like, no, you led them there. You guide them. Doctors, are like, you are a clinician. You are an amazing doctor. We get to pick our schedule. And so like Dana said, let's build this. Let's make this incredible for us. But I think those are hopefully three quick ways for you to figure out your cashflow. If you're on cashflow row.   ⁓ And please, the last thing I would say is bonus tip for you is cut the excuses. I think when people are on cashflow road, they like to sit here and excuse land. They like to sit here and blame land, which is normal. It's normal to be frustrated. It's normal to say, like it was this, it was that. was like, well, we can't hire people. Stop, stop. You're continuing this in a reality where it's like, it's just not true. I know it feels that way.   but we've got to stop the excuses. We've got to stop the blame and we've got to just say like, this is where we are. And the good news is this is what we're going to do to get out of it. It's hard. Like that takes mental discipline that you've got to have. But that's also where I think like a coach, a cheerleader, someone who's an ally with you. Like Dana said, sometimes it's a hug and sometimes it's a good like push because you need to be pushed. But hopefully these are a few things because I believe that the mental stress of cashflow row.   will create more burnout faster than anything else because you just sit here stressed out of your mind. So Dana, I hope you guys all like listen. I hope you take it. And if you are in cashflow row or you're on burnout row, please like reach out. We will do like a complimentary practice growth call with you. Like, let's see where your gaps are. Let's help you out. Let's get you out of this wildness because success with ease is very possible. And that's what I think Dana and Denali team in our.   whole company is passionate about is getting you the yes model, you as a human being so happy and fulfilled and having the life you want, getting the earnings and profit that you deserve that you are worthy of that you can totally have and getting the systems and team development to support those those top two things, just be able to say yes to whatever you want. So Dana, gosh, thanks for getting in this one. This is a solid and I just appreciate you loving our clients and getting them off of cashflow row and and into the happier land and for being on the podcast today.   Dana (21:49) Yeah, thank you so much for having me. And you know, I just love being able to see clients like win when they came in feeling so burnt out. So it just fills me too. So appreciate it.   Kiera Dent (22:00) ⁓   I love it. Let's get you guys the W's. Let's get you those wins when you didn't think it was possible I think that's my favorite thing is turning the impossible into possible and helping you take dreams into reality So reach out hello at the Dental A team calm and as always thanks for listening We'll catch you next time on the Dental A team podcast  

En Ivoox puedes encontrar sólo algunos de los audios de Mindalia. Para escuchar las 4 grabaciones diarias que publicamos entra en https://www.mindaliatelevision.com. Si deseas ver el vídeo perteneciente a este audio, pincha aquí: https://www.youtube.com/watch?v=gIbxSZJjY8s Todo lo que decimos genera un impacto en nuestra vida. Alimentándonos de los mensajes correctos podemos cocrear una realidad diferente. El análisis de las palabras de una persona nos permite conocer la raíz de cualquier problema y por ello, llegar a una solución para manifestar otra realidad. Melissa Zambrano Con 7 años comenzó a estudiar Meditación y Espiritualidad. Brinda talleres, conferencias y sesiones internacionales. Es Adm. Neg. Int., Practitioner en PNL con Hipnosis, y Armonización energética. Certificada en Italia, UK y España. #Vocabulario #Palabras #ConocimientoHolístico Más información en: https://www.mindalia.com/television/ PARTICIPA CON TUS COMENTARIOS EN ESTE VÍDEO. -----------INFORMACIÓN SOBRE MINDALIA--------- Mindalia.com es una ONG internacional, sin ánimo de lucro, que difunde universalmente contenidos sobre espiritualidad y bienestar para la mejora de la consciencia del mundo. Apóyanos con tu donación en: https://www.mindalia.com/donar/ Suscríbete, comenta positivamente y comparte nuestros vídeos para difundir este conocimiento a miles de personas. Nuestro sitio web: https://www.mindalia.com SÍGUENOS TAMBIÉN EN NUESTRAS PLATAFORMAS Facebook: / mindalia.ayuda Instagram: / mindalia_com Twitch: / mindaliacom Odysee: https://odysee.com/@Mindalia.com *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas.

Kiera reflects on some of her most memorable episodes and experiences across 1,000 episodes (!!!) of the Dental A-Team podcast! Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera and today feels like a ridiculously special, amazing, incredible day. We are at 1,000 Dental A Team podcasts. Like, can you honestly believe this? I can't believe it. I can't believe that we have hit record on this podcast a thousand times. And honestly, I wanna say thank you to you as listeners, to all of you who have made this podcast a reality. If you're new to the show, welcome. I'm Kiera Dent. I love dentistry. I love making people happy. I love.   truly enjoying life. And this podcast came to me while Jason, my husband and I were hiking Yosemite. And I said, Hey, I've noticed that there's this area where they're unserved, where doctors and teams are not communicating on the same way. And like, there's really got to be a better way to help practices scale, to grow, to evolve. And being a team member myself and a business owner, I thought let's combine both of those perspectives. So truly it's an honor. ⁓   I honestly cannot believe that we are here. So if you've been here since episode one, please send me an email. Hello@TheDentalATeam.com. I will send you a personalized thank you to you. I am just so honored. If you've been here for at least like 900 of them, let me know. But truly it's such an honor to be able to have this podcast where we're able to give back, to serve, to share, to laugh, to grow. This podcast has been such a healing space for me. And so today I thought it'd be really fun.   for us to actually go through some of our most powerful success networks that's helped hundreds of doctors. It helps you. And I've called it the yes model. ⁓ that's focusing, wow, that's focusing in on you being able to say you, earnings and systems and team development. So focusing on you as a person, helping make sure that you're profitable as a practice, and then having systems and team development in place ⁓ to make sure that you can really, truly say yes to everything in life that you want. Because I truly, truly, truly believe.   that running a practice, having a successful team, having a team of people that are accountable does not have to be hard. And so really that's been the whole purpose of this is to make it tactical, practical. And I thought like, Hey, this is going to be something really fun. We're actually going to pull from our framework. But what I'm going to do is I'm actually going to pull from past episodes, some of our hottest episodes, some of those fun episodes to kind of help you see how we can focus on you as a person, how we can focus on your earnings and profitability of the practice and helping with your systems and team development.   Now, something that is fun is that there actually were several episodes that were our top downloaded episodes over the years. And so this is just something fun if you enjoyed it, amazing, but truly we looked back and these ones stood out. And so our episodes were episode 469, 10 Practices in 2 Years with Lewis Chen. So such a fun one to inspire, to ignite, to help all of us like really just get, I remember that practice and I was like, my gosh, I thought I like.   rampaged up and in like two years we had three, but to do 10 practices in two years. Our other top downloaded episode is episode 501, What Office Managers Need to Know and really helping those office managers highlight, elevate. Being an office manager in dentistry, I feel is such a tricky zone because there's really no rule book for it. And that's what we tried to create at Dental A Team is what is an office manager supposed to do and giving support to office managers and doctors so you can truly have these incredible leaders in your practice.   And then our next most downloaded episode was episode 607, A Day to Remember. And that was actually released on Thanksgiving. So shout out to you guys for having these as the most popular downloaded episodes. But like I said, I want to give you guys that framework for being able to say yes to everything with some podcast tools. Don't worry. You want to go back and listen to them if you don't want to. But trying to chunk that so you can really look at your life and your practice.   Kiera Dent (03:41) So breaking into the you section, this is about you as a person. This is about you being that visionary, that owner, that fulfilled human, because honestly, if you're not fulfilled and you're not happy with what you're doing, honestly, your practice can't be there. And when we build the yes model, we purposely put it in a specific order of you first, and we focus on you as a person. Then we focus on earnings and profitability. And then we focus on systems and team, because what I found is if we put them in this order,   You as a person first, kind like take the oxygen mask off of you, put it on you. Like you've to take care of yourself first before you can help other people. If we put that oxygen mask on yourself, then what we do from there is we can give and serve to other people. Then we focus on profit. Cause honestly, so much of stress comes from cashflow. Like honestly, the bulk of offices who sign up with us and not all, but a lot of them are struggling with cashflow. They're struggling with profitability. They're struggling to learn to read their numbers. And then we do systems and team development.   And a lot of times we think like, let's put the systems in place, cause that's gonna fix everything else. But what that does is it doesn't make sure that you are fulfilled and we know where you're headed as a person. So focusing on you as a doctor, scaling honestly starts with you, but that doesn't mean we're doing more. It means that you are the leader that your practice needs. You know where you're headed. You know what the direction of the practice is. And that's where this can all come together. So some of the episodes that we pulled out for you guys from all these thousands of episodes, like literally we have a thousand. ⁓   would be number 17. Like let's go way back in the archives. If you have not gone, you guys can always head on over to TheDentalATeam.com, click on podcasts. You can search any topic and you can go find all thousand episodes. But going back clear to episode 17, I love this one, is Goals are lost without Accountability. So when we're having those, like if you don't have accountability in your practice, if you don't have things to help keep your team accountable,   Honestly, doctors, you can have all the goals that you want, but you've got to have the accountability with it. And so I really love to help doctors and teams come together within Dental A Team and our consulting ⁓ to make sure that your goals are hit because we have accountability and that means your personal goals. So where you want to be and your professional goals. And we have a client that really like was struggling with some of their goals, but they knew where they wanted to go. They wanted to get a beach house. They wanted to be able to take care of their children in college.   ⁓ And what was really lovely about that is because we knew where they were going to go, we were able to help hold them accountable to it. And then we were able to the E portion that we'll get to, we were able to help create the profitability within the practice using production and metrics to be able to help them get there. But really looking at goals are lost if you don't have accountability. Like truly, if no one's holding people accountable, you doctor have to do it all. But even a lot of times things just get lost. And so making sure   that we really are working through these different pieces to make sure that your goals are not just a wish and a hope, but they're actually being measured and we're tracking them. We're making sure you're living the dream life that you want to be living. that would be an episode. Another episode in here would be 551 Leaders, You Need to Decide and helping you as a leader know that your team can't read your mind. You've got to make decisions. More is lost through indecision than a wrong decision. I have a quote over here by Theodore Roosevelt that   any moment of decision, the best thing you can do is the right thing. The next best thing is the wrong thing. And the worst thing you can do is nothing. And so making sure that on there, you guys are making a decision. Doctors like you have to decide. You have to be clear. You have to know where you're going. And I think deciding the life you want to live. ⁓ I have a quote that we say often, your practice should serve you, not you serving your practice.   making sure it's really giving you that dream life. Otherwise, go be an associate, like honestly, but there shouldn't be the stress and the heartache. And I know that there's stress with running a business. That's not something that we can ever take away, but really making sure we're fulfilling your bucket, your cup, making sure you're taken care of is a big portion. ⁓ Episode 940 was another popular one, What Leaders Should Not Do.   I thought this is a really good one to help doctors like realizing your role has to change. You have to become this incredible person. We have to know where you're going. We have to know this vision. But honestly, like leaders, you should not be doing everything. You should not be fixing everything. Otherwise you're enabling. And I remember another great ⁓ thought is when we empower our teams without accountability, we actually create ⁓ entitlement. And so what are we doing and are we fixing everything and helping?   Like we think we're helping, but we're not actually having our team rise to the table. so really looking at like, these are the things not to do. These are things that won't help you become the leader and the person that your practice needs and really relies on you to be. So another great episode of what things should you not be doing. think that that sometimes helps again, because as the visionary, as the leader of the practice, as you, as a person, ⁓ making sure that you're not running yourself ragged, trying to make everybody else and pleasing everybody else. But that way you're truly working as a team.   You need to show up as a CEO. You need to show up as the dentist. But you also need to have good working hours and good life ⁓ balance and life happiness and making sure that you're fulfilled and that your cup is being full. Otherwise, you're going to burn out and really making sure we take care of you as a person. Last episode to highlight in the you section is 948, The CEO Visionary and The OM Implementer and pulling from EOS and traction where   We literally have like CEOs, you're the visionary and how to have your office manager really be a yin to your yang to help support, to help make the visions come to life, to help bring all these pieces to the table ⁓ really, really truly can help. How do these two roles operate and who should be doing what and getting and gaining that clarity because again, when we focus on you and we know where you want to go and we know the pieces.   Then you're able to settle into your role as CEO of the practice too. And you're able to settle into all these different pieces, but really looking at you as a person, like not doing more, you as a leader, you as the CEO, you as a spouse or a partner or a parent or a sibling or a child, whatever it is, but you showing up as the best version of you. so yes, these are.   four episodes a lot on leadership for you. But really in that section within the Yes Model, I want you to really look at your life and I want you to see, are you truly living your best life? Are you truly fulfilled? Are you delegating to your team? Are you leading your team? Are you ⁓ working hard? ⁓ Or are you doing things smarter and actually working?   happier and more enjoyable. When I ask you about your personal relationships and I ask you about your personal life, do you have an identity outside of work or is it just work? ⁓ Do you find joy in the little things or have you lost that joy and sparkle because you're so consumed with the business? Those would be some things and if we're not taking care of you, it might be time to give a little TLC. I remember there was a great ⁓ podcast guest.   And he said a comment, he said, we should take care of our billion dollar asset, AKA our body. And I've thought about that a lot of do we take care of us, our body, our mind, our psyche, our happiness, to make sure that we can show up as those leaders that our practice and our patients and our community needs. ⁓ And so this section, I really hope that you highlight, yes, being that leader who needs to evolve and rise, ⁓ but really making sure that you're the human that you wanna be.   we've got the North Star dotting to where you ultimately want to go and really just spending and highlighting that. Okay, so the question to that is what do you need to stop doing in your life right now? Practice or professional or personal or both. So that way your team can start owning more and also so you can start having more fun in life. What do you need to stop doing? Like literally I'm sitting there with you pretend I got my pen and paper and you're like, okay, Kiera.   This is what I need to do to feel more fulfilled, more happy, more like me. What do you need to stop doing? Notice I didn't say start because you want to go like, no, I need to start journaling. No, what do you need to stop? Cause I'm trying to help you see that a lot of times less is more and you actually can create more by doing less. All right, next up is earnings. Making sure that you have profit with purpose. Collections don't equal profits. And so...   What I've noticed is like in larger practices, oftentimes they do protect their margins and they measure what matters. And so really making sure that when we're looking at the numbers, so we're looking at our earnings, this is moving into the second portion of the yes model. ⁓ Are you paying attention? Are you using your numbers to guide every single decision in your practice? And what I've seen is when practices come to us in chaos and move into clarity and more into control and more into ease, they know their numbers forward and backward.   Like they truly know, they use their numbers to make decisions on who to hire. They know their top line numbers. And what I love about this, like with our clients, we work hard on getting them an overhead scorecard. ⁓ So they know what their overhead is. We look at their monthly costs slash their BAM, their bare ACE minimum. We're looking at projections in the practice of what do we need? How do we hire? We're looking at other pieces for that I really just love are looking at their overhead as well to make sure. we've got our overhead, we've got our monthly costs.   We've got our profit margins to make sure we're looking at debt services to make sure that with the debt services, we're still profitable and we have cashflow in the practice and that these practices are thriving. And then we use KPI scorecards to make sure that the metrics within the practice are leading to the profit for a profitable business to make sure that doctors have a cashflow. And also in there, we include to pay doctors, like doctors you've got to be paid, otherwise it's really hard. And so again, just because we're producing, producing and collecting drive me wild.   I don't care what you're producing on a gross level, I care what you're producing on a net level that we can actually collect. Gross is gonna feed the ego, net's gonna feed the family. So make sure we have those numbers dialed in. So when we're looking at this, I want you to make sure that what I'm producing is actually collectible and also that we're producing enough and collecting, but that we also have our expenses in line. So we try within our clients to have them at a 50 % overhead, 30 % doctor pay, 20 % profit.   Now, obviously those things can be impacted by other things, rising costs, different pieces, but really a quick benchmark for you. And a couple different ⁓ awesome podcasts to kind of tie into this to just go back through the archives would be episode 618, How to Make Your Practice Profitable. So a lot of times we think it's production. We think that we've got to like produce more and create more, but really sometimes you don't have to produce. can't produce our problems. So looking at our P &L, looking at our costs, getting our whole team on board, having KPIs, having accountability within our team.   really can drive more profit. ⁓ I remember in Traction, was like at the very end, I'm probably gonna slaughter this section of the book, but I remember them saying that a lot of times the profit margins don't get bigger, the bigger your business goes. So like the problem, like your problems just get bigger with the more you produce. So an example, like they said, like a $1 million business with a profit margin oftentimes has the same profit margin as a $10 million business, but the headaches are more. Now, of course, ⁓   10 % profit margin on a $1 business compared to a 10 % profit margin on a $10 million business, there's obviously going to be more dollars. But it's the question of could I have more profit in a smaller practice? I don't know, that's questions for you to answer versus maybe always growing and chasing the next thing. So really looking to see how can we make it more profitable? How can we squeeze more juice out of it? And this is actually really fun because when we interview consultants to come into our company, we actually look to see can they find...   how to make a practice more profitable with a basic scenario. Because at the end of the day, if we can make you more profitable doctors and you can use your business more efficiently and with less stress and like better utilization of team members, you actually are way less stressed because you have cashflow and monies aren't as big of a deal. And what I found is the bulk of stress comes from cashflow issues. So really doing that, another great episode from this would be episode 871, Increase Profitability with Your AR.   So looking at cashflow leaks that kill growth. So AR is a huge zone and a lot of practices are like, we don't have any money. And I'm like, you have 160,000 sitting in AR, you've already done the work, we just need to collect the money. So making sure that we are actually helping you and your team get that money that should be paid to you. I had an office on a coaching call and they're like, well, Kara, our front office feels bad for calling patients to collect bills. And I was like, they feel bad.   No, they're doing these patients a service. Like we did a great job. Now these patients should be so happy to pay for us. And the reality is we should never be chasing money. We should just be collecting at a time of service. So really helping that profitability with AR because collections you can produce all day long, but if we're not collecting your profit margin is going to really, really struggle. So a lot of times it's not even a production issue. It's just a collection issue. That's a very simple system, which will come next in the S model. But when we see the numbers and we see where the leaks are,   then we know which systems we need to put into place. So this is how like you as a person know where you're going. Then we look at your profit, the numbers will tell us where we actually have true broken problems within our practice. And then we build the systems to fix those problems. And then it just chips up the line and you're able to say yes to more in your life. Another great episode was 884 Use Hygiene to Increase Profitability. So making sure that your hygiene department is about 20 to 35%.   Wow, excuse me, 25 to 30 % of your revenue ⁓ in your practice, depending upon what it is, that's usually for a GP practice. Hygiene's obviously, ⁓ in a pediatric practice, it will be different. Same thing within surgery practices and also some big GP practices that are doing a lot of surgery, hygiene might not be able to keep up with it. Or if I've got a doctor that's maybe slowing down, hygiene's actually out producing the doctor. Well, that's a concern that shows me that that doctor's not diagnosing and there's something going on.   But really utilizing your hygiene department, making sure our hygiene department's very thorough. This again, if it's not, and we don't have enough ⁓ perio within our practice, if our hygiene department's not ⁓ calibrated, we're not aligned, that then is a system that we'd wanna put into place to make sure we're able to help that. So really just another great episode. then 890 was, episode 890 was Hacks for Increasing Profitability. So ⁓ just some different pieces of like, what do we do? How can we increase that profitability?   certain things that we look for are one, like what are we producing and collecting? So let's look there first. Two, we wanna look at our BAM, our barriers, minimum and our costs and making sure that it's realistic for there. ⁓ And then also looking to see, could we renegotiate some of our pieces? Could we look at our lease? Could we look at our rent? Could we look at ⁓ our marketing spend? Could we look at our payroll? And again, I'm not here to cut team members. Don't worry team members.   I just want to make sure that each team member is being maximized and utilized based on the profitability because we know that most businesses should be able to run on a 30 % allocation to payroll. And so looking to see, we utilizing and maximizing our resources like we should? So really just looking for some of those hacks for profitability. But I love that so many people are obsessed with production and I'm obsessed with profit because profits, what's going to feed you profits, what's going to help you profit is going to be the piece.   that's going to actually make you thrive rather than just survive. Production, if we're not collecting and we're not profitable, it does not matter. And I go to a lot of business conferences and I love, they're like, yeah, my business did 10 million last year. My business is 100 million. And I'm always like, I don't care. What's your profit margin? And a lot of them come back. I remember there was this guy and we were chatting and he has a $30 million business and yet his profit margin was 5%. And he's like, Carrie, you're honestly probably taking home more than I am.   on a smaller business. And so again, I don't care about your production and top line number. It does play a role, but what I care more about is are you profitable and are you obsessed with being as profitable as possible? Are you reviewing your PNL every single quarter? Are you looking at small cashflow leaks? Are we making sure that we're collecting the money of what we produce? Are we making sure that our write-offs and our insurance is correct? Are we making sure our hygiene department is... ⁓   appropriate and are we using like KPIs to track this and to measure this to make sure that we're actually doing it. So that's kind of within the earning section for little highlighted episodes for you. And so then some thoughts to wrap that up would be if you're producing more but taking home less, what number are you not watching in your practice? So really look at that and see, gosh, like I'm producing this, but I'm not taking home as much. What number or numbers are you not watching that maybe you should start watching Food for Thought and   put it into play, you'll be much happier when you're profitable. And then last but not least, this is one that everybody obsessed with, systems. We want systems care. Please, please give me systems. I just want my practice to run on autopilot. And like the answer is like, yes, we should put systems in. And I think about like McDonald's and Chick-fil-A and they're able to give a very incredible experience with systems. And Walt Disney said like, he's able to create predictable magic with the systems behind the scenes. And so for you and your practice, how can you create predictable experiences?   predictable revenue, predictable production through the systems. So a couple of great episodes that we had with systems, systemization I think is like sexy and not sexy, like cool, that's great. But like really, if you focus on you first, then you focus on the numbers, you then know which systems to put into place. So you don't have to actually do all the systems. People are like, here, I just need a whole systems like repertoire. And I'm like, no, you don't. You need the systems that are actually gonna get you the results. I believe that we should focus on results, not on busy work.   So a couple episodes that kind of just highlight some systems for you are episode 381 Systemization: Where to Start? It's a really good episode for you of like how to like you don't just build 100 SOPs just like we were talking about. You literally start with the systems that are going to impact your revenue and profitability first. And those are the ones we're going to build right away. So a good one to help you prioritize that because a lot of times it can feel very daunting. Like I'm trying to eat an elephant. So where do I start? ⁓ Episode 872 Are Your Systems Outdated? And so with that one, just because it worked in the past,   You gotta also update the systems. Do we have a new software? Do we have a new process? A lot of times these systems get like written and we're so excited we made our ops manual, but they get put on a shelf and cool, we never even touched them again. So making sure that you keep your systems up to date, that they're current, that everybody's using them and if you actually are using them, they don't get outdated. So having a set cadence and process for that. Episode 881, Priority Scheduling: Ideal Week and Ideal Schedules   So figuring out like, does our ideal week look like? What are our ideal schedules look like? And so with that, we can figure out how to schedule and do block scheduling to actually build, like that's a great system to put into place to help us get our profitability, to help us get our production, to then help us get the life that we want. So do you see how like the yes model at like, we start at the top with you, go to earnings, go to systems, and then we work on systems to impact the profit and production to impact you and your life. So really I'm obsessed with block scheduling. I obsessed with?   I deal weeks, I'm obsessed with being a master of time rather than time mastering you and really helping offices realize what needs to happen and prioritize. think prioritization is a really tricky thing for a lot of people and having a consultant or an outside view help you out, I think is something really magical. And then last but not least, episode 959, Build a Practice That Can Run Without You. This is what people ask for all the time. And so I love on this. You'll never have true freedom.   if the business only runs when you're there. And so looking at that of, like I said, Disney, Walt's not there and it's still able to run. Chick-fil-A, I don't even know who the owner is, you guys know, but like it's able to run without the owner being there. And so the owner I feel creates the vision and the magic. That's like what your secret sauce is. But the systems are so people can run and operate without you there. And for office managers, same thing with you. I hate the like, if you got hit by a bus, I'm like, I don't ever want to be hit by a bus.   So instead I'm like, if you were at home with a broken leg and then had two office managers literally be out with broken legs. So, ⁓ but I think it's a great example. So watch out, don't break your legs. But I said, if you were out, could the practice run and could you know that the practice isn't running, AKA with your KPI scorecard and being able to look at your numbers, would you know what system needs to be implemented and if systems were being followed or not when you're at home? And so oftentimes that helps you figure out, again, we look at our numbers to see which systems do we need to put into place.   But then beyond that, we're also going to look and say, all right, so these are the numbers that are telling us we have a broken system. But then when you're not there, does the practice still run without you? And does it still operate? And if you were to come in as a fly on a wall on a vacation, so pretend you're out on vacation, I surely have done this to my team. I'm out on vacation. I pop in a day earlier than they think I'm supposed to be back. Is the practice running the way that it should? That's how you know you have great systems and great leadership.   I don't believe that just good systems will create a great practice. You also need great leadership to ensure that they're staying accountable, that they're following systems, but also making sure that less is more. ⁓ The KISS model, keep it simple, silly. I prefer silly over stupid. But really look to see where are maybe the systems that we need to do. And I love in Dental A Team, we do our 12 systems. And that's something I really love to just kind of give an outline of which ones per month.   would help out. So just a quick overview of Dental A Team's systems for success. We say that January is office management, mastery and leadership. And if you guys want to go back in the archives, Tip and I actually did like, I think it was from November through December a few years ago, we went through every single one of these systems. We broke it down. We gave tactical tips for you on those. So January is office management, mastery and leadership. February is doctor optimization, making sure we're utilizing and maximizing everything within the office. March is billing with ease.   April is five-star patient experience, May is smooth scaling scheduling, June is maximized case acceptance, July is dynamite dental assistance, August is elevated hygiene, September is competent marketing, October is complete operations manual, November is practice profitability, and December is A-Team hiring and onboarding. And so utilizing these systems for you to look to see, and again, there's, that's kind of like a category overview, but looking to see where maybe some systems broken within that category.   that ultimately could impact our profit and production that ultimately impact us as individuals. And doctors, I know I highlighted you a lot about you as a person, but also your team members as human beings too. How can we make it easier? How can we make it more fun? How can we make it to where we have more fun at work, more enjoyable rather than more stress? I think is something super, super important. And so when you look at this, I think to wrap up our system section, what systems or system category in your practice   still depends on you and is it keeping you stuck in your practice or preventing the growth? Are you the bottleneck in an area? And to maybe just ask yourself, what is that and what's holding me back? So really, truly just some fun, like, my gosh, you guys, after a thousand episodes, ⁓ I think I can confidently come on here and say that the formula for growth hasn't changed. I think we've gotten smarter. We figured out what's the priority. How do we prioritize it for you?   the $5 million practices, the $2 million, the $1 million, the 500,000, the startup practice, they say yes to leadership clarity, profit strategy, and systems that scale. So that's you, right? Leadership clarity, you as a person being happy, earnings, profit strategy, and as systems for success that scale. Now again, systems that scale, so you're able to grow and you have options. This is truly what I think is so valuable, and I thought.   on a thousandth episode, we've got to have something very powerful, very impactful, giving you just kind of a recap of all the time together. Talk about how magical it is to be able to be here together, to be able to share. And what I will say is, ⁓ I'm obsessed with helping offices be able to say yes to more of their life, to be able to say yes to more of what they want, and to be able to get back their time, their team, their life. And that's something that I'm just obsessed with. So if you're looking for help with that, if you...   I want more yes in your life and less stress and more happiness. Truly I do believe and I've seen it work with hundreds of offices and something just so powerful to be able to share, to give to you. And I just wanna say thank you. Thank you for making the Dental A Team podcast real. Thank you for being listeners. Thank you for sharing this podcast with so many of your friends. Thank you for commenting. Thank you for tagging us while you're driving to work. Thank you for being dedicated listeners. Thank you for being clients that work with us.   Thank you for truly wanting to change and impact the world of dentistry in the greatest way possible. It is truly an honor. I just feel so honored and I'm so freaking excited for the next thousand. So let's do it, let's rock. And at the end of the day, all of you, I want you truly remembering that dentistry is the greatest profession we could ever be a part of. I want you saying yes to more. If we can help you in any way, reach out Hello@TheDentalATeam.com. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.  

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