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JV Noseworthy, known as Jen, is a retired Registered Nurse and paranormal investigator from Newfoundland & Labrador, Canada, and the host and founder of the Paranormal Newfound Land (PNL) Podcast. Launched in 2023, PNL has grown into a widely followed paranormal platform, entering its fourth season in 2026 with more than 250 radio and YouTube episodes exploring hauntings, supernatural encounters, and regional folklore. Jen also created the Global PNL Podcast Alumni Network and leads the BOG Team (Boots on Ground), a Newfoundland-based investigative group dedicated to historical paranormal research throughout the province. The podcast joined the United Public Radio Network (UPRN) during its second season, expanding its reach to a global audience.A dual Canadian-American citizen, Jen draws from over 30 years of experience as an operating room travel nurse working across the United States and Canada, where she encountered numerous unexplained and supernatural events in hospitals, historic locations, and private residences. Now living in a rural community on the Avalon Peninsula along Newfoundland's rugged North Atlantic coast, she investigates one of North America's most historically rich and haunted regions — home to Viking history at L'Anse aux Meadows, the haunted streets of St. John's, and the legendary Bell Island. Inspired by the island's deep history, maritime tragedies, and enduring paranormal lore, Jen continues to document firsthand experiences and lead investigations that explore the mysteries of Newfoundland's haunted past.Spaced Out Radio is your nightly source for alternative information, starting at 9pm Pacific, 12am Eastern. We broadcast LIVE every night. -------------------------------------------------------You can now join the Space Traveler's Club;Join us at https://www.patreon.com/sor_space_travelers_club --------------------------------------------------------Grab Our Latest Spaced Out Radio Gear At:http://spacedoutradio.com/shop It's a great way to support our show!--------------------------------------------------------OUR LINKS:TWITTER: https://www.twitter.com/spacedoutradio FACEBOOK:https://www.facebook.com/spacedoutradioshow SPACED OUT RADIO - INSTAGRAM:https://www.instagram.com/spacedoutradioshow DAVE SCOTT - INSTAGRAM:https://www.instagram.com/davescottsor TWITCH: https://www.twitch.com/spacedoutradioshow WEBSITE: http://www.spacedoutradio.comGUEST IDEAS OR QUESTIONS FOR SOR?Contact Klaus at bookings@spacedoutradio.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/spaced-out-radio--1657874/support.
Face au manque de reconnaissance professionnelle, aux écarts salariaux, au plafond de verre et à la précarisation de l'emploi (largement accentuée par la déferlante de l'intelligence artificielle), il est tentant de se tourner vers des formations qui nous promettent de dépasser nos “pensées limitantes“, d'éradiquer notre syndrome de l'imposteur, de mieux gérer le harcèlement ou encore de nous reconnecter à notre puissance personnelle. Mais sur quoi reposent les outils qu'elles proposent ? Permettent-elles vraiment d'augmenter notre performance et notre bien-être au travail ? Et surtout, comment sortir enfin de la jungle des pseudo-solutions dans le milieu professionnel ?Je tente d'apporter quelques réponses dans cette keynote donnée en janvier 2025, lors d'une journée de conférences en ligne organisée par Compositech, association qui milite pour l'inclusion dans les métiers de la tech.•• SOUTENIR ••Méta de Choc est gratuit, indépendant et sans publicité. Vous pouvez vous aussi le soutenir en faisant un don ponctuel ou mensuel : https://soutenir.metadechoc.fr/.•• RESSOURCES ••Toutes les références en lien avec cette émission sont sur le site Méta de Choc : https://metadechoc.fr/podcast/formations-bullshit-comment-les-eviter/.•• SUIVRE ••Facebook, Twitter, Instagram, Threads, LinkedIn, Bluesky, Mastodon, PeerTube, YouTube.•• TIMECODES ••01:54 : Les croyances dans la tech : milieu rationnel, métier-passion, environnement challengeant, développement personnel.03:56 : La démarche de Méta de Choc.05:50 : Thèmes de cette keynote.06:57 : Les offres de développement personnel dans le milieu professionnel : démarche motivationnelle, mieux se connaître et connaître les autres, techniques de communication, bien-être, spiritualité.10:58 : Pourquoi cette offre nous séduit-elle ? storytelling, attrait de la nouveauté, espérance d'un gain, socialisation, apparente complexité, suggestion professionnelle.15:43 : Les origines de ces techniques : New Age, techniques sans fondement scientifique.18:18 : Quelle est l'efficacité de ces techniques ? PNL, pensée positive, indicateur MBTI, test DISC, ennéagramme, Process Communication, Human Design, Communication NonViolente, méditation, sophrologie, soins énergétiques, spiritualité, tisseuses de rêve.31:06 : Les risques de ces offres : perte de temps et d'argent, injonctions, pseudosciences, essentialisation de la femme, responsabilisation individuelle.35:10 : Quelles solutions ? refuser, tests de personnalité étalonnés, approches scientifiques, qualification des intervenants, test OCEAN, éviter le coaching de masse.41:24 : Les offres qui doivent alerter : offres gratuite, promo à saisir, marques déposées, arnaques à la sororité, pseudo-neurosciences.42:28 : Questions du public : doit-on refuser ces formations, recrutement légal par ces tests, appropriation culturelle, le bien-être en entreprise. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
How to Trade Stocks and Options Podcast by 10minutestocktrader.com
his is How Options Trading YouTubers Fool You - Professional Investor ReactsDescription: Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.If you've ever been told that selling options is “easy money” or “safe passive income,” this is the wake-up call.After 17 years of trading and competing in the U.S. Investing Championship, ranked #26 in the division, there's a hard truth that needs to be said. The dream of steady income from selling puts and running the wheel strategy sounds amazing. High win rates. Smooth equity curve. Premium rolling in month after month.Until it doesn't.This breakdown dives into how options trading influencers sell the illusion, why an 86% win rate can still leave you down $200,000, and how strategies like covered calls and the wheel can quietly destroy months of gains in a single brutal move.Here's what really gets exposed:✅ Why high win rate does NOT equal real trading edge✅ The dangerous math behind negative expectancy✅ How “fat tail risk” wipes out small consistent gains✅ Why the wheel strategy can trap you in massive drawdowns✅ The psychological addiction of selling premium✅ When selling options actually makes senseThe insurance analogy says it all. You collect small premiums most of the time. Then one hurricane hits and wipes out years of income. That is not passive income. That is asymmetric risk hiding behind smooth PNL.Covered calls? Sounds smart. Until the stock explodes and your upside gets capped. Cash secured puts? Sounds conservative. Until the stock gaps down 40% and you're stuck owning it in a stage four downtrend.This isn't anti options. Options are powerful. But they are not a cheat code. Not safe income. Not a free lunch.If trading matters to you, especially if you're building skill through OVTLYR or studying real performance in verified competitions, this is a conversation worth having.Watch, think critically, and decide where your true edge is.Subscribe to OVTLYR for disciplined trading strategies that actually make sense.
Florence Bosse est l'invitée du 230ème épisode du podcast C'est quoi le bonheur pour vous?
Dans Outception : libérez votre mental et passez à l'action, Cécile Chardon propose bien plus qu'un livre classique de développement personnel : un véritable manuel d'exploration intérieure. L'ouvrage invite à transformer nos pensées, apaiser nos peurs et modifier nos comportements en réorganisant nos processus mentaux. Au cœur de cette approche, des pratiques simples et concrètes pour apprendre à modifier ses états internes et libérer son potentiel.Ce n'est pas un livre à lire d'une traite ; c'est un compagnon d'expérimentation à annoter, griffonner, tester pas à pas. L'idée : entraîner son cerveau pour dépasser les blocages, réduire les résistances et passer à l'action avec clarté et détermination.Cécile Chardon, coach préparatrice mentale et maître praticien en PNL, s'appuie sur la Programmation Neuro-Linguistique pour montrer comment nos schémas de pensée influencent nos résultats. Outception donne des clés pour réexaminer sa façon de penser et agir, et transforme défis en opportunités
Dans cet épisode profondément humain, je reçois Yannick Goulet, créateur de contenu, conférencier et cofondateur de BON24H. Sobre depuis trois ans et demi, il incarne un message aussi simple que puissant : un jour à la fois peut tout changer.Avec une authenticité désarmante, il raconte son parcours marqué par la dépendance — un chemin qui l'a mené jusqu'à la rue — avant d'amorcer une remontée consciente, engagée et profondément humaine. Une reconstruction faite 24 heures à la fois.Aujourd'hui, Yannick utilise sa voix pour briser les tabous autour des dépendances, de la santé mentale et de la vulnérabilité. À travers ses podcasts Au-delà des façades et Décalage, il ouvre des conversations vraies, sans filtre, qui touchent et éveillent. Son objectif n'est pas d'impressionner. Il veut impacter.Un échange sincère, bouleversant et lumineux sur la résilience, la responsabilité personnelle et la puissance du rétablissement. Un témoignage qui rappelle qu'il est toujours possible de se relever — une décision, un souffle, une journée à la fois.
Dans cet épisode de Parlons PMA, je reçois Marianne, auteure du livre Pourquoi pas moi ?Quand elle pousse pour la première fois la porte d'un gynécologue spécialisé en fertilité à l'âge de 25 ans elle n'imagine pas qu'elle deviendra maman à l'âge de 34 ans entre de grands changements personnels et un parcours de PMA, de FIV.Elle nous parle de son histoire et de son parcours de PMA, de FIV qui a finalement duré 3 ans avec 3 FIV pour enfin donner naissance à sa fille Iris.Bloquée un jour dans une salle d'attente, elle commence à écrire pour ne pas sombrer. Ce geste deviendra un livre, écrit pour que les femmes qui traversent la PMA, la FIV se sentent moins seules.Dans cet épisode, Marianne nous raconte :– son entrée dans le parcours PMA en passant directement par la FIV– les émotions qui traversent les années d'essais– pourquoi elle a décidé d'écrire ce livre– et beaucoup d'autres choses!J'espère que vous prendrez autant de plaisir que moi à écouter cet épisode que j'ai pris à l'enregistrer. Merci Marianne.Lien pour commander le livre "Pourquoi pas moi?" de Marianne Bricout : ICIRetrouvez Marianne sur instagram : ICI
Deputatul PNL Robert Sighiartău declară într-un interviu la RFI că partidul său ar trebui la un moment dat să iasă din coaliție, dacă PSD va continua să saboteze reformele. Robert Sighiartău îl critică pe fostul premier PSD, Marcel Ciolacu: ”Ei au scos la bătaie, ironia sorții, nu știu ce s-a întâmplat și cu consultanții lor de la PSD, l-au scos pe cel mai impopular președinte PSD din ultimii ani, omul care nu a reușit să intre în turul II, din cauza dezastrului pe care l-a lăsat în bugetul țării, mă refer la Marcel Ciolacu, care în loc să stea liniștit și să învețe din greșelile pe care le-a făcut, jucându-se cu o țară întreagă (...), pentru a împărți în stânga și în dreapta bani cu miză electorală, în loc să-și pună cenușă în cap, iese cu tupeu și spune că domnul Bolojan este un prim-ministru foarte rău și că guvernarea dânsului a fost bună”. Despre tensiunile din coaliție: ”PSD nu joacă corect, ei joacă doar politic, joacă doar la speculă. Asta s-a văzut și în săptămânile trecute, când PSD a început o ofensivă împotriva premierului Ilie Bolojan, tocmai pentru a-i vulnerabiliza poziția de prim-ministru”. În opinia sa, ”la un moment dat, PNL trebuie să facă o evaluare, după câteva luni, pentru a vedea dacă reușim să ne punem în aplicare ideile de dreapta care au fost convenite în programul de guvernare și aici mă refer la reducerea costurilor statului, la reducerea risipei, la eliminarea privilegiilor (...). Nu văd de ce am mai rămâne la un moment dat într-o coaliție cu PSD, dacă nu vom reuși să implementăm reformele pe care cetățenii și electoratul de dreapta le așteaptă”.
L'alignement intérieur, la pleine conscience et le pouvoir de choisir consciemment ta réalité.Et si rien dans ta vie n'était vraiment le fruit du hasard… mais le reflet direct de ton intention consciente ou inconsciente ? Dans cet épisode, on plonge au cœur du véritable pouvoir de l'intention.Je t'explique comment t'aligner profondément avec ton être, déposer une intention lumineuse et voir comment cette simple posture intérieure peut transformer ta vie.On explore ensemble :✨ Pourquoi l'intention est une force créatrice réelle✨ Comment l'alignement intérieur influence ce que tu attires et ce que tu crées✨ Le rôle fondamental de la pleine conscience dans la manifestation✨ L'importance de t'observer pour devenir consciente de ce que tu nourris énergétiquement✨ Comment passer de la réaction automatique à l'action intentionnelleParce que tu ne crées pas ta vie seulement avec ce que tu fais… tu la crées avec l'état d'être depuis lequel tu vis. Observer. Ressentir. Aligner. Intentionnaliser. Et laisser la transformation émerger.
En este episodio fui entrevistado en una conversación profunda sobre cómo funciona realmente la mente inconsciente y cómo dirige silenciosamente tus decisiones, hábitos, resultados y destino.Descubrirás por qué el éxito no es suerte, el fracaso no es casualidad, y cómo ambos son el resultado de programas mentales instalados en tu subconsciente.Hablamos de:• Cómo se forma tu programación inconsciente• Por qué repites patrones aunque quieras cambiar• Cómo tus creencias crean tus resultados• La verdadera raíz del éxito y del fracaso• Cómo lograr una reprogramación profunda con PNL• Herramientas para alinear tu mente con tus objetivosTu realidad externa refleja tu programación interna. Cuando cambias tu mente, cambias tu vida.
Dans cet épisode, je te raconte l'un des défis les plus intenses que j'ai vécus : une immersion en eau froide avec apnée sous glace. Une expérience puissante… qui me donne envie de te partager mes apprentissages pour t'aider dans ta pratique sportive.
Sébastien est coach sportif spécialisé en transformation et renforcement corporels. Il intervient auprès des gens qui souhaitent reprendre confiance physiquement en atteignant la meilleure version d'eux-mêmes... et ça n'inclut pas que le physique !Parler avec Sébastien, c'est plonger simultanément dans 2 mondes, le feu et l'eau. Il se décrit lui-même comme un paradoxe ! Lors de cette discussion, la dernière enregistrée avant mon départ à Tahiti, nous avons parler de retrouver sa spontanéité, de son changement de vie (de commercial à coach sportif), de Bouddhisme (depuis ses 15 ans !), de son identité. Une question "socle" de cet épisode tant l'extérieur a tenté de le façonner à sa manière, rendant sa propre écoute difficile."L'habit ne fait pas le moine" c'est ce qui le définit bien ! Il est facile de coller une étiquette sur ce qu'il représente dans l'inconscient collectif... et cela a répondu à un moment à un besoin. Mais posez-vous la question : est-ce que cela vous profite à la fin ? C'est ainsi que nous avons continué à creuser : sa sensibilité, son côté rêveur, sa passion pour la nature et les oiseaux, sa spiritualité...Bref : ne vous fiez pas à la vignette et plongez au cœur de Sébastien avec beaucoup d'ouverture et d'empathie !Bonne écoute !Pour retrouver Sébastien, c'est par ici : Instagram---------------------------------Pour vous abonner au podcast : https://podcast.ausha.co/conversations-au-coeur-des-hommes/ Pour m'aider, et si ce projet vous touche, pensez à laisser des notes 5/5 et des avis sur Spotify et Apple Podcasts ! Merci
¿Qué es la meditación? Guía práctica para principiantes paso a paso¿Qué es la meditación y cómo se practica realmente? En este video te explico la meditación de una manera sencilla y profunda, como un proceso para poner orden en nuestra vida empezando por el cuerpo y continuando con la mente. Aprenderás por qué la postura es importante, cuál es la mejor posición para comenzar a meditar y cómo la inmovilidad consciente ayuda a crear estabilidad y presencia.A lo largo de esta guía práctica, descubrirás cómo usar la respiración como ancla para entrenar la atención, cómo relacionarte con los pensamientos sin pelear con ellos y por qué la meditación es una práctica que se cultiva poco a poco, día con día. No se trata de dejar la mente en blanco, sino de aprender a regresar una y otra vez al momento presente con suavidad y paciencia.Este video es ideal si estás empezando a meditar o si quieres fortalecer tu práctica de mindfulness, mejorar tu concentración, reducir el estrés y disfrutar más del presente. Con el tiempo, la meditación se convierte en un espacio de calma, claridad y conexión interior que puedes llevar a tu vida diaria.Tómate unos minutos, siéntate con tu respiración y explora qué es la meditación desde la experiencia directa.#meditación #mindfulness #meditaciónguiada #meditaciónparaprincipiantes #atenciónplena #respiraciónconsciente #pazinterior #vivirenelpresente #conciencia #zen #bienestar #crecimientopersonal Espero que te guste este video para eliminar la ansiedad. Crea la vida que sueñas en plenitud y bienestar, accediendo ya a todo el contenido disponible en mi canal https://www.youtube.com/@Robert.Medita y libérate del dolor, sana tu corazón, fortalece tu autoestima, reprograma tu mente y TRANSFORMA TU VIDA. En mi pagina Raceves.com, encontrarás Asesorías Privadas con Roberto Aceves, Asesorías Privadas Personalizadas, Sesiones de Sanación, entrenamientos y cursos virtuales creados por Roberto Aceves. Siempre están disponibles para ti las herramientas y técnicas que han ayudado millones de personas en todo el mundo: Herramientas de Psicología, Espiritualidad y Crecimiento personal, enmarcadas con el toque único y amoroso de Roberto Aceves. Roberto Aceves constantemente está publicando material para que fortalezcas tu vida y crezcas en consciencia y plenitud síguelo en: FACEBOOK:https://www.facebook.com/Robert.MeditaInstagramhttps://www.instagram.com/Robert.MeditaTwitterhttps://X.com/acevesrobert2 Para más información contacta a Roberto Aceves que estará encantado de asesorarte en: ➡RobertoAceves888@gmail.com
Ce week-end, j'ai vécu un événement assez unique : près de 600 personnes réunies en Bretagne, à Grandchamp, pour les Rencontres Universelles.Et comme souvent, je ne vis pas ce type de moment “juste” comme un spectateur.Je le vis comme un laboratoire humain : j'observe, je ressens, je note… et je me demande :“Qu'est-ce que je peux en tirer pour grandir, et pour vous aider à grandir aussi ?”Dans cet épisode, je vous partage 6 leçons très concrètes, applicables immédiatement que vous soyez coach, entrepreneur, manager, ou simplement en train de construire un nouveau chapitre.
Se sentir entourée… mais profondément seule.C'est une phrase que j'entends très souvent chez les femmes en parcours de PMA, de FIV.Dans cet épisode, je parle de cette solitude particulière, celle qui existe même quand l'entourage est présent, bienveillant, attentionné.Pas parce que les autres ne font pas de leur mieux, mais parce que la PMA est un vécu intime, complexe, difficile à comprendre quand on ne l'a pas traversé soi-même.La PMA, la FIV ce n'est pas seulement un projet bébé.C'est vivre au rythme des cycles, des protocoles, des résultats.C'est porter beaucoup de choses à l'intérieur, souvent sans oser en parler, par fatigue d'expliquer, de se justifier, ou de se sentir en décalage.Dans cet épisode, je mets des mots sur :le sentiment de ne pas se sentir comprise en PMA, en FIVla fatigue émotionnelle liée au fait de tout garder pour soil'impact de certaines phrases pourtant dites avec de bonnes intentionset surtout, sur ce qui peut aider à se sentir un tout petit peu moins seule, sans chercher à “aller mieux” à tout prixUn épisode pour normaliser ce ressenti, rappeler qu'il est légitime, et ouvrir la porte à des espaces où l'on peut déposer ce que l'on vit, sans avoir à se corriger émotionnellement.
durée : 01:00:06 - Le Wake-up mix - Le Wake-Up Mix, c'est tous les jours dès 07h sur Mouv' avec une spéciale année 2016 aujourd'hui !! Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.
Et si cette Saint-Valentin devenait un terrain de jeu plutôt qu'une source de cynisme? Dans cet épisode spécial, on remet la sensualité, la séduction et le plaisir au cœur de la fête — sans pression, sans clichés, et surtout… avec légèreté.Que tu sois en couple ou célibataire, cet épisode t'invite à réactiver ton pouvoir de séduction, à reconnecter avec ton corps, ton énergie et ton plaisir d'attirer — pour l'autre ou simplement pour toi.Au programme :✨ Des clés concrètes pour raviver la flamme dans le couple✨ Des pistes pour attiser l'intérêt et créer du désir quand on est célibataire✨ Une approche ludique, fun et décomplexée de la sensualitéIci, on laisse tomber le cynisme, les attentes irréalistes et les scénarios tout faits.On choisit plutôt de jouer, ressentir, oser et s'amuser avec la séduction.
Dans cet épisode d'On est dans le jus, nous recevons Thierry Pelven, professeur à l'ITHQ, spécialiste de l'art du service, de la communication humaine et du management en restauration.À travers son parcours exceptionnel en salle à manger – des grandes maisons européennes à l'enseignement – Thierry nous explique comment il a conçu un cours unique à l'ITHQ, basé sur l'analyse transactionnelle et la programmation neurolinguistique (PNL), pour former des professionnels capables de comprendre le client au-delà de l'assiette.Pourquoi un excellent service peut transformer une expérience moyenne en souvenir inoubliable ?Comment lire un client, adapter son langage, éviter les conflits et créer un lien durable ?Pourquoi le client n'est pas roi, mais partenaire d'une relation humaine bien construite ?Un épisode inspirant, concret et profondément humain, destiné aux professionnels de la restauration, aux gestionnaires, aux équipes de salle et à toutes celles et ceux qui veulent mieux servir, mieux communiquer et mieux manager.Un échange essentiel pour repenser l'expérience client, redonner ses lettres de noblesse au métier du service et replacer l'humain au cœur des restaurants.
Concentrar-se no que é controlável e aceitar o que é incontrolável. Essa á uma das máximas do pensamento estóico, criado pelo imperador romano Marco Aurélio e que voltou ao hype. Afinal, o que é - e, principalmente, o que não é - estoicismo?Confira o papo entre o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza.>> OUÇA (58min 48s)* 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: INSIDERChegou fevereiro, ilustríssima ouvinte e ilustríssimo ouvinte do Naruhodo.É quando a rotina aperta de verdade: o calor pesa, os compromissos se acumulam, o corpo sente, o Carnaval se aproxima — e a vida real acontece sem pausa.E qual é a roupa que acompanha o seu ritmo?Ela mesma: INSIDER.Afinal, INSIDER é a escolha inteligente que aguenta o dia inteiro, aguenta o calor, aguenta o movimento, aguenta a rotina.Ou seja: sustenta seu ritmo com muito estilo.Então use o endereço a seguir pra já ter o cupom NARUHODO aplicado ao seu carrinho de compras: são 10% de desconto para clientes cadastrados e 20% de desconto caso seja sua primeira compra.>>> creators.insiderstore.com.br/NARUHODOOu clique no link que está na descrição deste episódio.INSIDER: inteligência em cada escolha.#InsiderStore*REFERÊNCIASThe Western origins of mindfulness therapy in ancient Romehttps://link.springer.com/article/10.1007/s10072-023-06651-wA Comparative Analysis of Stoicism and Cognitive Behavioural Therapy (CBT)http://albertinejournal.org/10%20A%20Comparative%20Analysis%20of%20Stoicism%20and%20Cognitive%20Behavioural%20Therapy%20(CBT).pdfWilliam James and the Impetus of Stoic Rhetorichttps://scholarlypublishingcollective.org/psup/p-n-r/article-abstract/45/3/246/290269/William-James-and-the-Impetus-of-Stoic-RhetoricThe Ancient Origins of Cognitive Therapy: The Reemergence of Stoicismhttps://www.proquest.com/openview/742f90a1c1e13c9085ce2a9c8d0410fe/1?pq-origsite=gscholar&cbl=28723Core Beliefs in Cognitive Behavioral Therapy and Stoicismhttps://muse.jhu.edu/pub/1/article/964183/summaryPatricia A. Rosenmeyer (2001). Ancient Epistolary Fictions: The Letter in Greek Literature. Cambridge University Press. p. 214. ISBN 978-0-521-80004-4.https://catdir.loc.gov/catdir/samples/cam031/00041454.pdfA HISTORY OF CYNICISM https://www.holybooks.com/wp-content/uploads/A-History-of-Cynicism.pdfStoicism as a Panacea for Contemporary Problemshttps://www.proquest.com/openview/f128731c9d006eca833b90aa36167659/1?pq-origsite=gscholar&cbl=18750&diss=yThe Stoic Capitalist: Advice for the Exceptionally Ambitioushttps://books.google.com.br/books?hl=en&lr=&id=VR1VEQAAQBAJ&oi=fnd&pg=PP2&dq=stoicism+and+capitalism&ots=VuA23wsQ3C&sig=BUUMCHZI782I82BzPTwzSi6ui74&redir_esc=y#v=onepage&q=stoicism%20and%20capitalism&f=falsePopular Stoicism in the Face of Social Uncertaintyhttps://www.ceeol.com/search/article-detail?id=1075832Diógenes Laércio, Vidas e Doutrinas dos Filósofos Ilustreshttps://revistas.ufrj.br/index.php/FilosofiaClassica/article/download/40618/22230/110987Nietzsche contra stoicism: naturalism and value, suffering and amor fati https://www.tandfonline.com/doi/abs/10.1080/0020174X.2019.1527547Stoicism and sensation seeking: Male vulnerabilities for the acquired capability for suicidehttps://www.sciencedirect.com/science/article/abs/pii/S0092656612000530Can stoic training develop medical student empathy and resilience? A mixed-methods studyhttps://link.springer.com/article/10.1186/s12909-022-03391-xTroubling stoicism: Sociocultural influences and applications to health and illness behaviourhttps://journals.sagepub.com/doi/10.1177/1363459312451179Meditações - Marco Auréliohttps://masculinistaopressoroficial.wordpress.com/wp-content/uploads/2017/06/meditac3a7c3b5es-marco-aurc3a9lio.pdfBig boys don't cry: An investigation of stoicism and its mental health outcomeshttps://www.sciencedirect.com/science/article/abs/pii/S0191886907004473Naruhodo #26 - Meditação faz bem pra saúde, segundo a ciência?https://www.youtube.com/watch?v=cqzZlXHtxjkNaruhodo #404 - Por que algumas pessoas gostam de terminar as coisas e outras não?https://www.youtube.com/watch?v=pTSZ--4TKMkNaruhodo #135 - Como eu sei que você é você e não eu? - Parte 1 de 2https://www.youtube.com/watch?v=Fq-VjuiTOY0Naruhodo #136 - Como eu sei que você é você e não eu? - Parte 2 de 2https://www.youtube.com/watch?v=yRZkLKL6QH0Naruhodo #319 - O tempo passa mais rápido quando ficamos mais velhos?https://www.youtube.com/watch?v=8xgBvsN0b_INaruhodo #433 - Existe amizade entre homens e mulheres? - Parte 1 de 2https://www.youtube.com/watch?v=EFVaBfGaowgNaruhodo #434 - Existe amizade entre homens e mulheres? - Parte 2 de 2https://www.youtube.com/watch?v=H6D1yCni0rcNaruhodo #446 - O que é transfuga de classe?https://www.youtube.com/watch?v=HQQyT1sawZoNaruhodo #430 - Por que é tão difícil deixar o rancor de lado?https://www.youtube.com/watch?v=u0IesoD4A9ANaruhodo #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 #186 - O que são as 4 causas de Aristóteles?https://www.youtube.com/watch?v=GQnAQGbMpXcNaruhodo #393 - A psicologia positiva tem validade científica? - Parte 1 de 2https://www.youtube.com/watch?v=LnSZCHHfoWINaruhodo #394 - A psicologia positiva tem validade científica? - Parte 2 de 2https://www.youtube.com/watch?v=n8h3zC7YLNs*TEXTO MARCO AURÉLIOAo despontar a aurora, faça estas considerações prévias: encontrarei com um indiscreto, com um ingrato, com um insolente, com um mentiroso, com um invejoso, com um não-sociável. Tudo isso lhes ocorre por ignorância do bem e do mal. Mas eu, que observei que a natureza do bem é o belo, e que a do mal é o vergonhoso, e que a natureza do próprio pecador, que é meu parente, porque participa, não do mesmo sangue ou da mesma semente, mas das inteligência e de uma porção da divindade, não posso receber dano de nenhum deles, pois nenhum me cobrirá de vergonha; nem posso me aborrecer com meu parente nem odiá-lo. Pois, nascemos para colaborar, como os pés, as mãos, as pálpebras, os dentes, superiores e inferiores. Agir, pois, como adversários uns para com os outros é contrário à natureza. E é agir como adversário o fato de manifestar indignação e repulsa. Isso é tudo o que sou: um pouco de carne, um breve fôlego vital e o guia interior. Deixe os livros! Não te distraias mais; não está permitido a ti. Mas que, na idéia de que já és um moribundo, despreza a carne: sangue e pó, ossos, fino tecido de nervos, de pequenas veias e artérias. Olha também em que consiste o fôlego vital: vento, e nem sempre o mesmo, pois em todo momento se expira e de novo se aspira. Em terceiro lugar, pois, te resta o guia interior. Reflete assim: és velho; não o consintas por mais tempo que seja escravo, nem que siga ainda arrastando-se como marionete por instintos egoístas, nem que maldigas o destino presente ou tenhas receio do futuro. Para qualquer parte da natureza, é bom aquilo que colabora com a natureza do conjunto e o que é capaz de preservá-la. E conservam o mundo tanto as transformações dos elementos simples como as dos compostos. Sejam suficientes para ti essas reflexões, se são princípios básicos. Afasta tua sede de livros, para não morrer amargurado, mas verdadeiramente resignado e grato de coração aos deuses. Não consumas a parte da vida que te resta fazendo conjecturas sobre outras pessoas, a não ser que teu objetivo aponte para o bem comum; porque certamente te privas de outra tarefa. Ao querer saber, ao imaginar o que faz fulano e por que, e o que pensa e o que trama e tantas coisas semelhantes que provocam teu raciocínio, tu te afastas da observação do teu guia interior. Convém, consequentemente, que, no encadear das tuas ideias, evites admitir o que é fruto do azar e supérfluo, mas muito mais o inútil e pernicioso. Deves também acostumar-te a ter unicamente aquelas ideias sobre as quais, se te perguntassem de súbito “em que pensas agora?”, com franqueza pudesses responder no mesmo instante “nisso e naquilo”, de maneira que no mesmo instante se manifestasse que tudo em ti é simples, benévolo e próprio de um ser isento de toda cobiça, inveja, receio ou qualquer outra paixão, da qual pudesses envergonhar-te ao reconhecer que a possui em teu pensamento. Porque o homem com essas características, que já não demora em situar-se entre os melhores, converte-se em sacerdote e servo dos deuses, posto ao serviço também da divindade que habita seu interior; tudo que o imuniza contra os prazeres, o faz invulnerável a toda dor, intocável a todo excesso, insensível a toda maldade, atleta da mais excelsa luta, luta que se entrava para não ser abatido por nenhuma paixão, impregnado a fundo de justiça, apegado, com toda a sua alma, aos acontecimentos e a tudo o que lhe tenha acontecido. E, raramente, a não ser por uma grande necessidade e tendo em vista o bem comum, cogita o que a outra pessoa diz, faz ou pensa. Colocará unicamente em prática aquelas coisas que lhe correspondem, e pensa sem cessar no que lhe pertence, o que foi alinhado ao conjunto. Enquanto, por um lado, cumpre o seu dever, por outro, está convencido de que é bom. Porque o destino designado a cada um está envolvido no conjunto e ao mesmo tempo o envolve. Tem também presente que todos os seres racionais têm parentesco e que preocupar-se com todos os homens está de acordo com a natureza humana Mas não deves considerar a opinião de todos, mas somente a opinião daqueles que vivem conforme a natureza. E, em relação aos que não vivem assim, prossegue recordando até o fim como são em casa e fora dela, pela noite e durante o dia, e com que classe de gente convivem. Consequentemente, não considera o elogio de tais homens que nem consigo mesmos estão satisfeitos.Na convicção de que pode sair da vida a qualquer momento, faça, fale e pense todas e cada uma das coisas em consonância com essa ideia. Pois distanciar-se dos homens, se existem deuses, em absoluto é temível, porque estes não poderiam atirar-te ao mar. Mas, se em verdade não existem, ou não lhes importam os assuntos humanos, para que viver em um mundo vazio de deuses ou vazio de providência? Mas sim, existem, e lhes importam as coisas humanas, e criaram todos os meios a seu alcance para que o homem não sucumba aos verdadeiros males. E se restar algum mal, também haveriam previsto, a fim de que contasse o homem com todos os meios para evitar cair nele. Mas o que não torna pior um homem, como isso poderia fazer pior a sua vida? Nem por ignorância nem conscientemente, mas por ser incapaz de prevenir ou corrigir esses defeitos, a natureza do conjunto o teria consentido. E, tampouco, por incapacidade ou inabilidade teria cometido um erro de tais dimensões como acontece aos bons e aos maus indistintamente, bens e males em partes iguais. Entretanto, morte e vida, glória e infâmia, dor e prazer, riqueza e penúria, tudo isso acontecem indistintamente ao homem bom e ao mal, pois não é nem belo nem feio, porque, efetivamente, não são bons nem maus.*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
Nous recevons l'artiste R&B, Kishana, elle vient nous présenter son tout nouveau single "Mon time". Marjory Brutus et Maxeen Jean-Claude tous deux coachs en PNL viennent nous parler du camp pour les jeunes de 10 ans et plus, "Relâche, Connecte-toi'' qui aura lieu du 1 au 6 mars. Berenice Martin et Éléonore Martin viennent nous parler de l'édition 2026 de l'évènement Tribut. Une expérience immersive qui fait vivre l'histoire et les contributions des communautés noires à travers la danse, la musique et les arts visuels. On termine l'émission avec la chanteuse Gaya et l'artiste Paul Elie. Ils nous présentent la comédie musicale ''Fantasia'' qui sera présenté au Grand Théâtre du Centre Leonardo Da Vinci le 28 février.
Paranormal NL February 3rd, 2026 EP: 65 PNL (Paranormal NL) Podcast -S4/E5-UPRN Segment #65 “Crypto-Guro” Special -Pre-recorded event with a Live-Chat Watch-Party on UPRN. Host Jen Noseworthy from Newfoundland & Labrador (NL), Canada talks with author Ronald L Murphy JR from Pennsylvania, USA who was previously on PNL Podcast S2/E11 in 2024. Ronald L Murphy JR. is a folklorist, Paranormal investigator, ordained minister, and Cryptozoologist known as the Crypto-Guru. Ron has been investigating stuff of nightmares and legends for over 40 years. Ron meticulously does research on archetypes from around the world, and studies them under a multidisciplinary lens. Murphy has investigated the things that go bump in the night, and researches the historical & psychological context of myths and legends from around the world. Ron is also a public speaker at events such as conventions & Festivals. Ron is also a TV & Radio personality from History Channel Beyond Skinwalker Ranch-Keksburg Pennsylvania's Roswell; Canadian indigenous TV Show on APTN (Aboriginal Peoples Television Network) called Red Earth Uncovered “Bell Island Faeries”-Season 2 episode. Ron also was on Coast to Coast AM with George, and Spaced Out Radio (SOR) with Dave Scott. Ron was also previously Co-Host of Inside the Goblin Universe Podcast with Sir Knight Bryan Bowden from Third Eye Live. Ron also does Haunted Tours Legends and Lore Tours and Haunted Weddings Minister of Mystical Matrimony. Some of Ron's books include: The Haunted History of Westmorland County Vol 2, On Faeries, On Wildman, On Mermaids, On Ghosts, On Vampires, On Witches, On Dogman, On Aquatic Monsters of The Great Lakes, and the Unexplained World of Chestnut-Ridge-A Hike through western Pennsylvania's Goblin Universe. Follow Ronald Murphy at https://www.ron-cryptoguru.com/ Shout out to UPRN Producer Michelle Desrochers from Ontario, Michelle is also host of The Outer Realm Radio & Beyond the Outer Realm on UPRN www.linktr.ee/michelledesrochers_ Welcome to PNL (Paranormal NL) Podcast. I'm your host & founder Jen Noseworthy. PNL believes in supporting Local NL (Newfoundland & Labrador, Canada) culture, and international Paranormal people, places, and things. PNL Podcast believes in promoting global Paranormal-Networking & Paranormal tourism. Thank-you to all the PNL Podcast Alumni-Network guests from season One 2023, Season Two 2024, Season Three 2025, Season Four 2026, and our subscribers. PNL Podcast is sponsored by the BOG team. It's a “Boots On Ground” (BOG) Paranormal investigation team doing local historic investigations in Newfoundland. Follow PNL Podcast & the BOG team on their Linktree & Smash those SUBSCRIBE buttons. It all helps https://linktr.ee/paranormalnlpodcast PNL airs every Tue at 5pm EST on all digital platforms of UPRN (United Public Radio Network) 107.7 FM New Orleans & 105.3 Gulf Coast https://www.uprntalkradio.com (JV) Jennifer Vallis-Noseworthy, RN (Jen) PNL Podcast & BOG Team Newfoundland & Labrador (NL), Canada Founder/Host: PNL ("Paranormal NL" Podcast) Founder/Team Lead: BOG ("Boots on Ground" Paranormal Investigation Team) Email: paranormal.nl.podcast@gmail.com Follow PNL & BOG Team at https://linktr.ee/paranormalnlpodcast and https://uprntalkradio.com/
Esta meditación guiada te ayudará a dormir profundamente con frases y afirmaciones positivas que pasarán a formar parte de tu subconsciente. Al practicar esta meditación de atención plena varias veces, estas afirmaciones positivas trabajarán más intensamente y se convertirán en una realidad en su vida. Elimina el estrés y libérate de la confusión, los problemas y las sensaciones desagradables utilizando el poder de tu mente, tus emociones y tu fuerza interior. La curación ocurre de manera espontánea y sin planificación, solo date la oportunidad de sentir paz interior y sigue las indicaciones para liberar tu mente y cuerpo y descansar profundamente. ¡Disfrútala! ¡MERECES SER FELIZ AHORA! Crea la vida que sueñas en plenitud y bienestar, accediendo ya a todo el contenido disponible en mi canal https://www.youtube.com/@robert.medita y libérate del dolor, sana tu corazón, fortalece tu autoestima, reprograma tu mente y TRANSFORMA TU VIDA. En mi pagina Raceves.com, encontrarás Asesorías Privadas con Roberto Aceves, Asesorías Privadas Personalizadas, Sesiones de Sanación, entrenamientos y cursos virtuales creados por Roberto Aceves. Siempre están disponibles para ti las herramientas y técnicas que han ayudado miles de personas en todo el mundo: Herramientas de Psicología, Espiritualidad y Crecimiento personal, enmarcadas con el toque único y amoroso de Roberto Aceves. #afirmacionespositivas #meditacionparadormir #mantras #meditacionguiada #curacion Música: Palace Sunrise, Solid Matter, Ocean Meditation, A Spirit Level, Altering Deep, Ethereal Earth, Faithful Companion, Field of Horses, Losing Awareness, The Calm, The Longest Rest, The Sleep por Joseph BegComplete Relaxation por Heath CantuOcean Call por OokeanThreads por Ebb & Flod en Epidemicsound.com
"Geoffrey, comment tu fais pour avoir de tels résultats en si peu de temps ?"C'est une question qui revient souvent. Depuis mon départ de la police en 2020, j'ai formé plus de 250 préparateurs mentaux et accompagné des centaines de leaders. La réalité, c'est que le marché de l'accompagnement explose, mais les exigences des clients aussi.Aujourd'hui, savoir "comment le cerveau fonctionne" ne suffit plus. À l'heure de l'IA, l'information est gratuite. Ce que vos clients achètent, c'est du résultat tangible, du sur-mesure et une incarnation hors norme.Dans cet épisode, je quitte le mode "théorie" pour vous livrer mes 6 protocoles de terrain, ceux qui m'ont permis de propulser l'Académie Puissance Mentale et de transformer des vies, de l'athlète de haut niveau au chef d'entreprise.
En El mito de la normalidad, Gabor Maté explora cómo los traumas afectan profundamente nuestras vidas, tanto a nivel personal como social. Aquí están siete impactos que Maté menciona en relación con los traumas:1. Desconexión emocional: Maté sugiere que el trauma puede llevar a una desconexión de las emociones como mecanismo de supervivencia. Esta desconexión puede ser funcional a corto plazo, pero a largo plazo afecta nuestra capacidad para sentir empatía, amor y conexión con los demás.2. Impacto en la salud física: Maté hace un vínculo directo entre el trauma y las enfermedades físicas. Argumenta que el trauma crónico puede desencadenar enfermedades autoinmunes, problemas cardíacos y otras dolencias debido a la constante activación del sistema nervioso.3. Alteración de las relaciones interpersonales: El trauma puede generar desconfianza y problemas en las relaciones. Las personas que han experimentado traumas profundos pueden tener dificultades para formar y mantener relaciones saludables, ya que el trauma afecta cómo perciben y responden a los demás.4. Problemas de adicción: Maté sostiene que muchos comportamientos adictivos, ya sea al alcohol, drogas, comida o trabajo, son intentos de autogestionar el dolor emocional no resuelto. Para él, la adicción es una respuesta al trauma, no un fallo moral o de carácter.5. Autoestima y sentido de identidad: Las personas traumatizadas a menudo desarrollan una baja autoestima y una imagen distorsionada de sí mismas. El trauma puede afectar la identidad, haciéndoles sentir que no son dignas de amor o éxito, lo que puede limitar su capacidad para perseguir sus metas y sueños.6. Desregulación emocional: El trauma impacta directamente en la capacidad del cerebro para regular las emociones. Esto puede llevar a cambios bruscos de humor, episodios de ansiedad o depresión, y una mayor sensibilidad a las críticas o al estrés cotidiano.7. Condicionamiento cultural y social: Maté también habla sobre el trauma colectivo y cómo nuestra sociedad moderna, con su ritmo acelerado, expectativas y desigualdades, puede perpetuar traumas a nivel sistémico. Estos traumas sociales se ven reflejados en las políticas, sistemas educativos y dinámicas laborales que promueven la desconexión y el sufrimiento emocional.Gabor Maté enfatiza que reconocer y sanar estos traumas es fundamental para recuperar el bienestar tanto individual como social y lo podemos lograr fácilmente con PNL, Time Line Therapy e Hipnosis
Título: Cuando decir que sí te cuesta demasiado ¿Te ha pasado que dices que sí…pero por dentro algo secansa, se aprieta, se desconecta?Este episodio es para ti si sientes que el cansancio que traes no se quita descansando, porque no viene del cuerpo, sino del significado desde el que estás eligiendo.En este programa exploramos, desde la neurosemántica y la PNL, por qué muchos de nuestros “sí” nacen de historias internas aprendidas, cómo se activa el guion mental que nos lleva a cargar de más y qué puedes hacer para recuperar tu capacidad de elegir sin traicionarte.-Hablamos de significado, lentes mentales y elección consciente.-Integramos una práctica guiada para aplicarloen tu vida diaria.Recuerda esta idea mientras escuchas:“No es lo que me pasa…es el significado que le doy.”
L'amour à l'ère de l'attention divisée – pourquoi les relations sont si difficiles en 2026! Dans cet épisode, je parle des dynamiques relationnelles modernes qui rendent l'amour plus fragile aujourd'hui — autant en couple que célibataire.On vit dans un monde où :❤️
Los traumas tienen un impacto profundo en nuestras creencias, emociones y éxito, ya que alteran la forma en que interpretamos y respondemos al mundo. Aquí te explico cómo:1. Creencias: El trauma puede crear creencias negativas y limitantes sobre uno mismo, los demás y el mundo. Por ejemplo, alguien que ha experimentado abuso puede desarrollar una creencia de que no es digno de amor o que no puede confiar en los demás. Estas creencias pueden moldear cómo esa persona toma decisiones, afectando su autoestima y confianza.2. Emociones: Las experiencias traumáticas suelen desencadenar emociones intensas como miedo, ansiedad, tristeza o ira. Estas emociones pueden volverse persistentes y difíciles de manejar, lo que lleva a reacciones emocionales desproporcionadas ante ciertas situaciones, y puede contribuir a la aparición de trastornos como la depresión o el trastorno de estrés postraumático (TEPT).3. Éxito: El trauma no resuelto puede crear barreras internas que afectan el éxito personal y profesional. Las personas pueden tener dificultades para concentrarse, tomar decisiones, establecer metas o confiar en sus capacidades debido a las secuelas emocionales del trauma. Además, pueden evitar situaciones que recuerden el evento traumático, limitando su capacidad para enfrentar desafíos o aprovechar oportunidades.Sin embargo, la recuperación es posible. A través de la PNL , Hipnosis, EFT TAPPING y Time Line Therapy, Todos podemos sanar nuestros traumas para lograr un mayor bienestar y éxito en diversas áreas de nuestra vida.
Kiera is here with a gift to make your practice even better: The three most common mistakes dental practices make, and guidance on how to get out of them. Is your practice making one of these mistakes? Delegating tasks without ownership Avoiding hard conversations Flying blind on your numbers Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners, this is Kiera and today is one of my favorite topics of all time. It's how to avoid the pitfalls because I feel like these are costly mistakes that dental practice owners make. We make these costly pitfalls. We go into them. We don't know about them. And you guys, if you know me, I have a mantra and I say, don't lose money. I hate losing money. It's one of my biggest pet peeves and I don't want you to lose money. So I'm excited to talk about it. I hope you guys are excited because... The reality is like so many people talk about like, success leaves clues and it does, but so does failure. And I I talk about this a lot when I present and when I speak and I say like success and failure are truly not radically different. They're not, they're like small little things. It's like successful practices are consistent. Successful practices put systems in, successful practices look at their KPIs, successful practices have team meetings that are effective. Successful practices have CEO time. Successful practices have delegation and ownership. Successful practices ⁓ follow through. They look at their case acceptance. They make their re-care calls. They do their reactivation. They do different verbiage. Like that's what they do. Failure practices don't stay consistent. They always have an excuse. They're always blaming. ⁓ They don't check their case acceptance. They don't track their KPIs. They don't look at their numbers. They don't take CEO time. Like these are just little steps. And like with my fingers, if you're just listening, I'm like, almost like scallops, like if we've got a middle point, success is I checked my KPIs, failure is I didn't check my KPIs. And while that's not like a huge move, it is moving you points away to where you end up either closer to success or closer to failure. And so I think when we realize this, these are the ones, like, how can I help you guys avoid these costs and mistakes? How can I like motivate and inspire you and like, not just motivate, but genuinely change you? So that way it's not this I like, well, shoot, we're on failure row. Shoot, like, I don't really know about this. Like, I just want to talk about three of the most common mistakes that people make and how do you correct course because you're going to make mistakes. But like if I'm doing the scallops again, successful offices realize like we didn't do the KPIs. So we're going to start doing the KPIs and we don't miss those. We're going to hold the meetings and we don't miss those. they course correct before they end up in the failure or the success bucket. They're course correcting constantly. And so this is just like where I'm at coaching hundreds and thousands of offices, team members galore, our team, like literally, I feel so blessed that we get to serve so many offices. I just saw like this really awesome highlight reel of all these doctors that came in person and I was watching it with Jason and I look over and Jason's just the sweetest thing. He's tearing up and he said, Kiera. I knew when you started Dental A Team, it was going to be like, he's like, I never imagined it being what it is today. He said, but all those people's lives, including all of you listening to the podcasts, all of those lives that we've been able to change because of Dental A Team Gosh, that is just such a blessing. It's such a beautiful thing. And I just want to say thank you. Like, thank you for being here. Thank you for being a part of the offices. Thank you for being a part of my Dental A Team podcast family. Thank you for just showing up. Thank you for changing lives through dentistry. Thank you for giving people a gift of confidence. Like, And for me to be able to give you a gift to make your practice even better, that's what I'm here for. That's what Dental A Team's about. So like we're here to help you recognize patterns. We're here to help you avoid burnout. We're here to help you make small changes before they become giant snowballs. And I think like my thought process has always been I'm here to positively impact the world of dentistry in the greatest way possible. We're here to share this podcast message with every single office out there. We're here to help offices realize like running a successful practice. does not have to be hard. It can actually be easy. And let's give you the tools, the tips, the resources, all of that to make your life a grand success. So if that sounds great to you, we'll rock on. So step number one, mistake number one that's very costly is delegating tasks without ownership. So like so many offices, hear them like, Kiera, I listened to the podcast and we implemented it, but like it just didn't work out. And I'm like, yeah, cause you delegated it and you didn't have the structure, didn't have the ownership, you didn't have the accountability, you didn't have the metrics. Like, okay. One of the doctors called this doctor out and they said, this doctor is a walking cheat, like cheat code. Go talk to him, go ask him what he does because he's been able to take his practice for massive success, which is true. When I met them, were doing about 1.5. Now we're clearing five. We're going to be crushing six to seven. And I just like, gosh, the giddiness in me for this office. Like they deserve the sun, the moon, the stars. Like you name it. They're just such good humans. And so when I think about this, like we're talking, this is a practice that went from like 1.5, 2 million up to this six, $7 million practice now, something I've noticed. And like I said, this doctor is a walking cheat code. They, when we go in and we're like, okay, we're going to roll out this new process. So we're going to do a new process on how we do case acceptance, or we're going do new process on how we do cancellations. They don't just go to the team and be like, all right guys, we're going to do cancellations. They are like, we're going to build an SOP. we're gonna have a team training, we're gonna have a metric, we're gonna do it for these four weeks. And they don't take a long time to execute on that. So it's like, perfect, we're gonna have this done in the next three weeks. But they execute, it's rolled out, it's like, it's very, very thorough. And this is a practice of a very large team and they all do it consistently. And when something gets off, they just go right back to the SOP, they update the SOP, where was it missed? What do we need to do? Let's do a team training on it. But I will say I've coached hundreds of offices and this is one office that I watch constantly that is able to delegate, have ownership and be able to have a full team move and stay hyper accountable. So this is just like, you've got to have ownership. You've got to have SOPs. You've got to roll it out to the team, make sure everybody's aware. And then we've got to have the metrics and the check-ins to make sure something's not off. And if it is off, we follow through on it. So people know that when we roll out new processes, they're here to stick. They're not just like a flash in the pan of like, I heard it on a podcast. Let's try it out. No, it's very, very, very thorough. So a quick check for you is like, go back and look at the last three things that you delegated. Did you assign them? Did you own them? And did you have follow up on it? crickets. Yeah, yeah, because you did it. Darn it. But you're going to do it in the future. Or maybe you did. And I'm high fiving you. But most of the time, people don't. And this is so costly because then you can't ever be free. You think you're moving. You're taking one step forward, but you're actually taking like 500 steps backwards because nothing's actually getting delegated. Nothing's actually moving forward. And you're only relying on your A plus star players that are building all these ownership accountability pieces. And people are like, but I want everybody to be that way. And I'm like, human nature is not. Tell me how you're doing on your New Year's. resolutions, probably not great because human nature by default doesn't stay accountable. Why do think I'm in business? because people, they know what they need to do. People are like, Kiera, I pay you to tell me like what to do that you do on the podcast. And it's like, yeah, because human nature is not follow through. Why do I pay a gym trainer? I've got all the resources, I got all the tools. I need somebody to literally hold me accountable to make me show up to work out. So look at the last three tasks. Did you delegate them? Was their ownership? Did you follow up on them? Did they have a metric? If not, it up, fix that and start to delegate with ownership and accountability. So mistake number two, are you guys ready for this? It's avoiding hard conversations. ⁓ man, that's a crowd drop off. This is so real though, because we don't have like Patrick Lanziani has the five dysfunctions of a team. And if you and your team have not read this, I highly recommend it's a very easy fable. Have it as like some like, evening reading. It's so fast, it's so easy and it's very, very great. And I think it's a reread. So if you've listened to it in the past or you read it, maybe do a reread. ⁓ But when we don't have trust and vulnerability and then we don't have healthy debate, AKA hard conversations, what happens is like little small issues become cracks and cracks aren't bad. But if cracks stay there, they actually break and then it becomes toxic and then it arose the entire team. So in leadership, we've got to have, let's like, I coached his office. guys might know him. He's incredible. ⁓ They've got a lot of offices. think I did seven office visits ⁓ in three days. We were hauling booty. And I love this doctor because he pays for me to come in to coach his teams, to teach them how to have uncomfortable conversations, to remind them like this is why we're here. And the more we have just a few of these and we get away from the fear of discomfort. and wanting to keep the peace, which is actually artificial harmony, we like care, we align and we move forward. And we use the sports analogy on this of, can you just imagine like pick your favorite sports team, basketball, baseball, soccer, I don't care what it is. Can you imagine for one second, like we'll just use basketball for instance, or football. Like if the quarterback or the point guard goes in, like let's do football, because they get thrashed. Like if that quarterback gets thrashed because his defensive line is not protecting for him. or no one's open because they didn't follow the play, can you just imagine if that quarterback runs off the field and is like, hey coach, could you tell the defensive line to cover for me next time? Like absolutely not. Or if that quarterback is just like, I'm just so angry with my defensive line. Like they didn't block for me. Like, no, can you imagine? Like, no, they call it out. Like you got a freaking block for me. Like we need to win this game. I need this to happen. And they do it in real time because everybody on the team, is committed to winning and they call each other in real time of their blind spots. Like my brother said, I'll play basketball. I played tennis. You got to call it in the moment. Like my dad is like, you got to call it in real time. You got to say, Hey, I need you to block. I need you to box out for me. I need you to like throw the ball. Like I'm here. Like I need you guys to get open, whatever it is. But like, if we can get a little bit better, that that's our culture rather than a, we sit here pretending to be perfect, but ultimately hating each other. and hate's probably a strong word, but creating gaps. And so what I encourage is we normalize uncomfortable conversations. We normalize and encourage it. We push on peer to peer accountability. We have each other instead of it being up to the coach, AKA office manager or doctor, to each other, peer to peer, to where we talk about it. We wanna get the W, we wanna win. And so helping your team realize that this is going to be the best way for us to win is to have these hard conversations. And it's not, I say it's not confrontation. It's just a conversation. Like let's take that hard out of there, but let's say what needs to happen. And so I would say, doctors, one of the worst things you can do to your great players is to tolerate the poor performance of a lower player. ⁓ Because they're watching you. They're watching to see standards are not what you say. They're what you tolerate. And so when you're A plus players are watching, like, well, doctor is going to do this constantly or doctors are not going to care about that. Now team members, can rise up and you can take care of things too. Doctors, we've also got to make sure that we're encouraging and we're having the hard conversations too. I don't think you know how much I do not enjoy hard conversations, but I know as a leader, as a boss, as a CEO, as a consultant, I have got to have the hard conversations and I'm going to keep having them. They're not easy, but they are my responsibility and I'm going to show up as a good team member because actually that's better than living in artificial harmony. It's so much better. So there's a great quote. If you want it, your success and happiness, that's my add on your success and happiness are directly proportional to the number of uncomfortable conversations you're willing to have. So if you want to grow, if you want to rise, how many of you look at your KPIs or your numbers like, gosh, freaking schedule is not full. Like, oh, like our profitability, like, but I go to my team meetings and I'm like, great job guys, you're doing great. Why don't we call it out? Hey, profitability is not where it needs to be. What are our solutions to get it to where it needs to be? I'm not being a jerk. I'm not sitting here sizzling. Hey, our schedule is not up to goal. What are we doing to get that fixed? Let's have a conversation. Let's fix it. Let's normalize that. That's calling out in real time. Hey, our schedule is not to goal. Like what's our solution? How are we going to get there? It's like it's a huddle. It's a genuine huddle. Think about sports players. Like they get together. Like you need to block. I need you to call that person. I need you to do this. You guys need to call that all the hygienists. If you've got downtime, call seven patients, whatever it is. That's how we get the W. something rude, let's normalize that we are a team. We call each other out. We celebrate when we win. Also like on the flip, like let's go to basketball, let's go to football. When they score a touchdown, the whole team that was just calling each other out of like, I need you to block, I need you to do this. They also go to the end zone and they freaking celebrate. They lift each other up, they're high-fiving. It's both. So let's make sure that we're calling each other out and normalizing that. And we're also celebrating and normalizing that as well. So this is something of, I would just encourage you to have one honest conversation, and also I'd recommend in your next team meeting, let's have this if that's a standard, put it up in the break room. We normalize hard conversations. We encourage hard conversations. We are a company that does not sit in artificial harmony. Whatever it is, plaster that, build that into your culture. This is something you've got to like, if you guys could see, I'm like boxing out, like I'm pushing the defense. Like you've got to push this through all the way for you guys to get this to be that and to avoid that costly mistake. All right, mistake number three. This one should come as a no brainer. You guys know I love numbers and numbers love me. It's flying blind on your numbers. So I think that production feeds the ego, profit feeds the family. So when I look at this, so many doctors are like, well, Kiera, I know you say that the numbers are there, but I don't have any money. And I'm like, yes, but making haphazard, crazy decisions because you're not looking at your numbers and you're not using them as a roadmap, you're just flying by the seat your pants. And so when you look at this, you've got to know like, here's just a, guess, I guess to help you see like, am I flying blind on my numbers or do I maybe know my numbers? Question number one, what's your breakeven number? Now that's twofold. What's the breakeven number on the practice and what's the breakeven number paying you? Two questions, okay? My question is, what is your overhead on your supplies? What percent, what is your current overhead? What is your debt services taken out of your overhead? What is your EBITDA? What is your net profit? AKA cashflow. Of that profit, are you saving your taxes? Hmm, something to think about. Fascinating, right? That's how you know. And if you can't answer those questions right now. I know you're probably flying a little blind. Maybe you even just have like a eye patch on. That's okay. Maybe you're only half blind, not all the way blind. Or maybe you're like, Kiera, I'm walking in the dark. I don't even know any of that. don't even know where to find the PNL. It's fine. Wherever you are, you've got to get this dialed. Like I am a sticky broken record. haven't talked to her. Oh man, I'm so excited. She's going to get on podcast with me. And last year we were chatting and she was like, Kiera, like we were debating. Is she going to join consulting? Is she not going to join consulting? And she's like, I have got to get profitable. And I said, all right, rock on, challenge accepted. We are going to get you profitable. I have been a broken record with this poor doctor for an entire year. It's production, profit, production, profit, production, profit, production, profit. Head down, produce, make sure your team's collecting and make sure we're profitable. That is what we've done all year long. And guess what? Come the end of the year, she's like, Kiera, I have so much money, I got to pay taxes on it. Like we did it. and she did it in 11 months. So production, profit, production, profit. If you're producing, but you're not collecting and you're not looking at your numbers, you're not going to be profitable. If you're not planning for taxes and you're not saving for taxes, you're not gonna be profitable. If you don't know what your breakeven is on the practice and then what the breakeven is and what it needs to produce with you in there, you can't project this out and you can't forecast it and we can't figure out what your daily goal needs to be. And then you're just producing for the sake of producing for your ego. Who was that a rank? Could you tell us there? If you like that email me Hello@TheDentalATeam.com. I might rap it. You guys, I used to have a rapper name Skittlez with a Z so I could wrap with Eminem. Tell Eminem I'd love to wrap with him. I've never gotten that far, but you know, Skittlez, Skittlez and Eminem. I don't know why I just told you that. Email me Hello@TheDentalATeam.com. If you think I should be Skittlez and rap it out. I'd love to hear from you. I genuinely love a good pen pal. So write me. But you've got to know your numbers. You have to. non-negotiable. And this is, think, where accountability as a coach comes into play. I force our clients with our consultants to know their numbers. We call it the yes model. You've got to have your vision. That's the Y. E stands for earnings. You've got to be profitable, non-negotiable, otherwise go be an associate. And S stands for systems and team development. If we know the vision, when we look at the numbers, it's going to tell us the systems and team development we need to do, period. Period. That's the formula. That's all it is. So if you're flying blind on your numbers, like, ugh. Guys, I'm scratching my head over here. This is stress. If you ever see me fluff my hair, it means I'm stressed, okay? My team has told me they're like, Kiera, what you do is it's a little like side fluff. And right now it's both hands fluff. Like I'm stressed out for you because I used to fly blind on numbers. So many clients flying by on non-numbers. They don't look at it. They've got multi-practices and they don't break it down. You guys, these are costly pitfalls. So remember, go back to the success and failure. They're not radically different. It's failure to look at the numbers. It's failure to say like, I don't care if you don't know numbers or not, I don't know numbers either. But guess what? Kiera freaking loves numbers and numbers freaking love Kiera. That is how this works. It is, I'm going to force myself to learn this. You guys, on my goal board, I'm not joking you. I should like take pictures of this so you guys can see it. In my bedroom, Jason and I made this like joint goal board. If you guys wanna get your spouse involved in your life, cause you feel like you're just driving and growing without them. Joint goal board between the two of us has been amazing and it sits in our bedroom. It's not pretty It was built on Canva. It cost me eight bucks. It took us a Sunday to do it together But I literally have this like sign and it says tax expert ahead. I Did not know taxes. I was getting burned every single year I was crying every single December and I was like I am never doing this again I'm going to become a freaking tax expert. I started reading books on it. I called up the CPAs. I started researching it I was like, okay, it's just a formula. Yes, of course. They're like all these ways I can reduce it But at the end of the day, it's really just a very simple formula. Whatever my profit is, whatever my tax bracket is, I know, yes, yes, yes, yes, yes, this is a very simplified version. CPAs don't come after me right now. It's just truly like, if I can take that, I'm always gonna have a slush and I'm not gonna cry. And I figured it out. And for you, I want you to take it on like, you're gonna learn taxes. You're going to be profitable. I want your goal for 2026, 2027, 2028, 29, 30, 31, 32, 33, forever that you are profitable always. I have a mantra and I say, Kiera Dent does not lose money. And I want you to be the same way. Always profitability, profitability, profitability, get the production, get the profitability. We got to, and again, the way we increase profit, increase production, increase collections, decrease costs. Those are the three levers. So look at the numbers, get your team bought in. This is a costly mistake that I don't want you to make. So commit that by Friday, you will have a KPI scorecard in place, or you're going to call Dental A Team. TheDentalATeam.com go on over, email me, hello, book a call, whatever it is, I will help you out, but you are going to learn your numbers. There's no more excuses. It's not that hard. I promise you, our fee will offset the amount of money you are going to make. Most of our clients are like a two to one, eight to one, 10 to one ratio, meaning we are making that much more money. So a 10 to 30 % increase in production, 30 % would be a three to one ratio. Like you guys, it's insanity what we're able to do for offices. I love it. We usually pay for ourselves in the first couple of months. So it's 100 % worth it. Know your numbers. You just knowing your numbers and tracking and measuring will make you more profitable. So don't be the person that has these costs and mistakes. You gotta take ownership. Like bottom line, the way we had this, mistake number one, delegating tasks and not having ownership. So think back to that. We gotta delegate like that office I told you about. Again, this is a $7 million practice. You wanna be like a $7 million? Do the things today to be the $7 million practice. You've got to have the hard conversations, normalize that, have that be a part of your culture. And number three is you've got to freaking know those numbers. I love numbers, numbers love me. And if you're not great at this, that's why I've got the podcast. That's why we're here. Reach out, Hello@TheDentalATeam.com. Do not do this alone. Do not spend another minute struggling through these costly pitfalls. You don't deserve it. Your team doesn't deserve it. Your patients don't deserve it. So reach out, it's time. Hello@TheDentalATeam.com. But please commit to yourself that you're going to do this. You're not failing. You're not clear over the failure bucket. You're just a few little shifts away from it. And again, remember success and failure are not radically different. They're just small little micro steps. You can quickly make those back and get closer to where you actually want to be. It's not huge. It's not hard. It's not all these crazy things. It's small incremental changes that are going to radically change your life. So make the call, make the changes, commit. You're worth it. You deserve it. And as always, I'm cheering you on forever and ever. I'm here on your team. I'm here in your corner. I'm here in your air pod. Wherever I'm at, just know I'm rooting for you. You deserve it. Let's do this together. Let's have you do this on your own, whatever it's going to be, but commit to not having these costly mistakes be your mistakes. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.
¿El verdadero cierre de una venta ocurre en la mente consciente o la mente inconsciente?En este episodio, converso con Felipe Corrales sobre uno de los temas más ignorados —y más poderosos— en las ventas B2B: cómo la mente inconsciente (la tuya y la de tu cliente) influye en cada decisión de compra.Felipe comparte su historia personal de reinvención, cómo pasó de una crisis profunda a dominar herramientas de PNL, rapport y lectura emocional, y cómo todo eso se traduce hoy en mejores conversaciones de venta, más confianza y cierres más naturales (sin presionar).Hablamos de:Por qué los grandes vendedores leen vacíos emocionales, no solo necesidades técnicasCómo generar conexión real para que el cliente diga “le compro porque confío”Errores inconscientes que sabotean tus ventas sin que te des cuentaMicro-señales corporales (mirada, manos, postura) que aumentan la credibilidadPor qué un tomador de pedidos nunca cerrará como un vendedor consultivoY cómo trabajar primero tu propia mente antes de querer influir en la del clienteEste episodio no va de trucos baratos ni manipulación.Va de presencia, preguntas inteligentes y conexión humana real.
En este video te comparto mis afirmaciones favoritas para eliminar la ansiedad y fortalecer tu paz interior. Estas afirmaciones positivas están diseñadas para ayudarte a recuperar el control de tus pensamientos, calmar la mente y reconectar con la confianza en ti mismo incluso en momentos de incertidumbre. A través de la repetición consciente, podrás reprogramar tu mente, reducir la ansiedad, aumentar tu bienestar emocional y cultivar una actitud de valentía, fe y claridad mental.Practicar afirmaciones para la ansiedad es una herramienta poderosa de sanación emocional y crecimiento personal. Te recomiendo repetirlas diariamente, especialmente cuando sientas estrés, miedo o pensamientos negativos, y permitir que con el tiempo se conviertan en una base sólida de equilibrio y fortaleza interior. Este ejercicio es ideal si buscas controlar la ansiedad, mejorar tu salud mental, elevar tu energía y vivir el presente con mayor serenidad.Permite que estas palabras se integren en tu vida diaria y observa cómo poco a poco transforman tu relación con tus pensamientos y emociones.“Tengo control sobre mis pensamientos y mi vida.”“Cada uno de mis órganos esta lleno de vitalidad.”“La vida es maravillosa. Abro mi mente y mi corazón a recibir sabiduría y nuevas posibilidades.”“Acepto con amor todos los cambios que vienen a mi vida y con humildad aprendo de ellos.”“Hoy tengo la fuerza, la valentía y la sabiduría para hacer de este un gran día.““A pesar de la incertidumbre, tengo confianza y fé en mí.”“Puedo superar cualquier situación difícil en mi vida.”#AfirmacionesPositivas #EliminarLaAnsiedad #Ansiedad #PazInterior #SaludMental #BienestarEmocional #ControlMental #PensamientosPositivos #SanaciónEmocional #Mindfulness #CrecimientoPersonal #ConfianzaInterior #VidaConsciente #MeditaciónDiariaEspero que te guste este video para eliminar la ansiedad. Crea la vida que sueñas en plenitud y bienestar, accediendo ya a todo el contenido disponible en mi canal https://www.youtube.com/@Robert.Medita y libérate del dolor, sana tu corazón, fortalece tu autoestima, reprograma tu mente y TRANSFORMA TU VIDA. En mi pagina Raceves.com, encontrarás Asesorías Privadas con Roberto Aceves, Asesorías Privadas Personalizadas, Sesiones de Sanación, entrenamientos y cursos virtuales creados por Roberto Aceves. Siempre están disponibles para ti las herramientas y técnicas que han ayudado millones de personas en todo el mundo: Herramientas de Psicología, Espiritualidad y Crecimiento personal, enmarcadas con el toque único y amoroso de Roberto Aceves. Roberto Aceves constantemente está publicando material para que fortalezcas tu vida y crezcas en consciencia y plenitud síguelo en: FACEBOOK:https://www.facebook.com/Robert.MeditaInstagramhttps://www.instagram.com/Robert.MeditaTwitterhttps://X.com/acevesrobert2 Para más información contacta a Roberto Aceves que estará encantado de asesorarte en: ➡RobertoAceves888@gmail.com
Como Eliminar La AnsiedadCuando la ansiedad aparece, muchas veces no viene del presente, sino de vivir atrapados en el futuro. En este video exploramos por qué la ansiedad surge cuando nuestra atención se aleja del ahora, cómo se relaciona con el miedo a perder a la pareja, la falta de comunicación y las inseguridades emocionales, y qué podemos hacer para comenzar a recuperar la calma interior.Aprenderás a reconocer la ansiedad como una señal importante de que algo necesita cambiar en tu vida y en tus relaciones. Cuando repetimos los mismos patrones mentales y emocionales, obtenemos los mismos resultados. Por eso, este mensaje te invita a crear nuevos hábitos físicos y mentales que te ayuden a sanar, fortalecer tu bienestar emocional y vivir con más paz.También descubrirás cómo los pensamientos automáticos alimentan la ansiedad y por qué una práctica tan simple como un minuto diario de respiración consciente puede ayudarte a ordenar tu mente, reducir el estrés y regresar al presente. Este video es ideal si estás buscando herramientas prácticas de mindfulness, crecimiento personal y manejo de la ansiedad en relaciones.#Ansiedad #AnxietyRelief #Mindfulness #PazInterior #CrecimientoPersonal #Relaciones #SanaciónEmocional #RespiraciónConsciente #BienestarEmocional #MentalHealth #VivirElPresente #Meditación #ConcienciaPlena #RobertAcevesEspero que te guste este video para eliminar la ansiedad. Crea la vida que sueñas en plenitud y bienestar, accediendo ya a todo el contenido disponible en mi canal https://www.youtube.com/@Robert.Medita y libérate del dolor, sana tu corazón, fortalece tu autoestima, reprograma tu mente y TRANSFORMA TU VIDA. En mi pagina Raceves.com, encontrarás Asesorías Privadas con Roberto Aceves, Asesorías Privadas Personalizadas, Sesiones de Sanación, entrenamientos y cursos virtuales creados por Roberto Aceves. Siempre están disponibles para ti las herramientas y técnicas que han ayudado millones de personas en todo el mundo: Herramientas de Psicología, Espiritualidad y Crecimiento personal, enmarcadas con el toque único y amoroso de Roberto Aceves. Roberto Aceves constantemente está publicando material para que fortalezcas tu vida y crezcas en consciencia y plenitud síguelo en: FACEBOOK:https://www.facebook.com/Robert.MeditaInstagramhttps://www.instagram.com/Robert.MeditaTwitterhttps://X.com/acevesrobert2 Para más información contacta a Roberto Aceves que estará encantado de asesorarte en: ➡RobertoAceves888@gmail.com
En esta profunda meditación guiada para dormir, te acompaño paso a paso a un estado de relajación profunda donde la mente entra en calma y el cuerpo comienza su proceso natural de sanación. A través de afirmaciones positivas para la salud, esta meditación te ayuda a dormir profundamente, liberar el estrés del día y reprogramar tu subconsciente para despertar con mayor energía, bienestar y equilibrio.Las afirmaciones positivas han sido utilizadas durante miles de años como mantras de sanación. En esta práctica nocturna, tus pensamientos se convierten en aliados para crear una vida más saludable, fortalecer tu sistema inmunológico y cultivar una sensación profunda de paz interior. Mientras descansas, cada célula de tu cuerpo recibe mensajes de bienestar, amor propio y regeneración.Esta meditación para dormir profundamente es ideal si buscas: • Dormir mejor y más profundamente • Reducir ansiedad y tensiones • Mejorar tu salud física y emocional • Despertar con mayor claridad, vitalidad y optimismo • Crear hábitos mentales positivos antes de dormirPuedes escucharla acostado o sentado, dejando que la voz y las afirmaciones te guíen suavemente hacia el descanso. Es perfecta para usar todas las noches como parte de tu rutina de bienestar, salud mental y autocuidado.Permite que esta meditación trabaje en tu subconsciente mientras duermes y acompáñate de pensamientos que nutren tu cuerpo, mente y alma. #MeditaciónGuiada #AfirmacionesPositivas #MeditaciónParaDormir #SaludYBienestar #DormirProfundo #SanaciónInterior #Subconsciente #RelajaciónProfunda #MeditaciónNocturna #BienestarEmocional #AmorPropio #MenteCuerpoAlma #RobertAceves Música por epidemicsound.com: Beyond the Rainbow - Erik FernholmA Distant Memory - Hanna LindgrenBloom Without Orchard - Rand AldoEquanimity - 369Harmonic Light - Amber GlowJust Breathe - Amber GlowKindled - ValanteMindstream - Amber GlowTomorrow - Hanna LindgrenVelvet Skies - Center of AttentionWithout Saying - 369Espero que te guste esta meditación para dormir. Crea la vida que sueñas en plenitud y bienestar, accediendo ya a todo el contenido disponible en mi canal https://www.youtube.com/@Robert.Medita y libérate del dolor, sana tu corazón, fortalece tu autoestima, reprograma tu mente y TRANSFORMA TU VIDA. En mi pagina Raceves.com, encontrarás Asesorías Privadas con Roberto Aceves, Asesorías Privadas Personalizadas, Sesiones de Sanación, entrenamientos y cursos virtuales creados por Roberto Aceves. FACEBOOK:https://www.facebook.com/Robert.MeditaInstagramhttps://www.instagram.com/Robert.MeditaXhttps://X.com/acevesrobert2 Para más información contacta a Roberto Aceves que estará encantado de asesorarte en: ➡RobertoAceves888@gmail.com
Are you leading your business with clear numbers in 2026 or still reacting after the fact? In this episode of The Dickie and Donny Show, Dickie and Donny dig into what it really looks like to prepare and use your budget and PNL in 2026 as a leadership tool, not just a report you glance at once a month. Dickie and Donny unpack why many business owners feel constant financial pressure even when revenue is up. The issue is rarely effort. It is usually a lack of clarity in the budget and a PNL that is not being used to guide decisions in real time. This conversation challenges owners to stop letting the numbers lead them and start leading the numbers. When your budget is intentional and your PNL is understood, you gain confidence, alignment, and control in how you run the business. Here's what you will take away: ✅ How to use your 2026 budget to lead instead of react ✅ What your PNL is really telling you right now ✅ Common budgeting mistakes that create hidden stress ✅ Practical insight to help you make confident financial decisions If you want 2026 to feel focused, steady, and intentional, this episode will change how you think about your numbers and your role as a business owner. Are you working IN your business or ON your business? Do you have all of the foundational elements that will liberate you from the business chaos? Take the assessment to find out which areas you can grow and improve on. Take our Healthy Owner Business Assessment HERE➡️ http://businessonpurpose.com/healthy SIGN UP for our Newsletter HERE ➡️ https://www.boproadmap.com/newsletter For blogs and updates, visit our site HERE ➡️ https://www.mybusinessonpurpose.com/blog/ LISTEN to The Dickie and Donny Show on Apple Podcast HERE ➡️ https://podcasts.apple.com/us/podcast/the-dickie-and-donny-show/id1849240083 LISTEN to The Dickie and Donny Show on Spotify HERE ➡️ https://open.spotify.com/show/1gkSeO4QGSAcupPOnon5oS?si=12cf4b4a42a84aa1 SUBSCRIBE to our YouTube channel HERE ➡️ https://www.youtube.com/channel/UCbPR8lTHY0ay4c0iqncOztg?sub_confirmation=1
Paranormal NL - SPECIAL NEW YEAR's EVE FEATURE December 30h, 2025 EP: 60 2 HOUR SPECIAL Guest Bios: PNL (Paranormal NL) Podcast UPRN Segment #60 “New Year's Eve Primer-Global Paranormal Party. A Special two-hour PNL-UPRN Pre-recorded event with a Live-Chat Watch-Party on UPRN. Host Jen Noseworthy from Newfoundland & Labrador (NL) Canada has two Co-Hosts guests: Sir Knight (SK) Bryan Bowden -Third Eye Live who was previously on PNL in 2024: S2/E6, S2E63; and in 2025-S3/E4 (UPRN Seg#12) & Dayvid Salinas (AKA Duke of Darkness)-DTRH (Down The Rabbit Hole), Dayvid Don't Know, & Co-Hosts to: Won Nothing, & Weird Java in The Morning. Dayvid was previously on PNL in 2024-S2/E60; and in 2025: S3/E33 (UPRN Seg#40). In this Pre-recorded episode: PNL Hosts the New Year's Eve Primer-Global Paranormal Party with multiple open mic guests from the PNL Podcast Alumni-Network. Guests are either from PNL Season one 2023, PNL Season two 2024, or PNL Season Three 2025. Guests from around the Globe from the UK, USA, and Canada. Guests will be playing silly New Year's Eve Party “Squid Games” to get out of the Green-Room backstage, and onto the main-stage. Guests on stage may risk falling off stage. Co-host guests: Bryan and Dayvid will be helping with the fun New Years Eve Primer- activities, dice roll, guest numbers, backstage, greenroom, and main stage. Some of the Guest line up for the episode may include: Tim Sudano-UPRN-SCARI-From the Fab-5; Tommy Cullum-Let's Get Freaky Podcast;-From the Fab 5; JJRose777-3 Sirens & A Squirrel; Alan Bishop & Kim Bishop-If you Have Ghosts You Have Everything, 3 Sirens & A Squirrel, One Piece at a Time Distillers Institute, One Piece at a time enterprises, The alchemist cabinet, Witches Brew Bootique ; Charles Stephens @Chucky_Danger-Danger-Zone, Countercult, Linktree (IPA) International Paranormal Alliance Tex Wesson-Tex's Front Porch- from Island of Misfits; Krista Michael Tweedy (and House)-Blondes and Boos & Co-Hosts to: BMR. From Island of Misfits; Cyn Shrader Hill-Author; Jeannie Van Hoose & Dale Woodsby-ParaHunters; Michael Kopf-(TETSU) The Energy That Surrounds Us, Riding Through The Unknown, Paranormal Vs ; Coley Weber (AKA Coley UFO)-SNX Radio, MK Ultra; Mark Eddy (AKA Gangsta-Joe)-Co-Host:Third Eye Live Jessica Newhook-Larken Point & BOG Team medium; Tayler Hann-Vlogs & BOG Team Medium; Jonathan Noseworthy-BOG Team Ghost Bait. Shout out to UPRN Producer Michelle Desrochers from Ontario, Canada for offering up a Special 2 hour spot for the PNL New Year's Eve Primer-global Paranormal Party. Michelle is also host of The Outer Realm Radio & Beyond the Outer Realm on UPRN www.linktr.ee/michelledesrochers_ Shout out and apologies to Guests unable to join Streamyard (due to Teams account-Green Room technical difficulties. Our Co-Host PN L Admin tried really hard to make it work) :Robert Kalil-Typical Skeptic;Wayne Seaden-Spookinory,Dark Mirrow Radio Show, Wayne's Weird & Wonderful World, & Co-Host to: Fools & Ghouls, Mystical Carousel; Coley Weber (AKA Coley UFO)-SNX Radio, MK Invasion Shout out to Guests unable to attend-but were with us in team Spirit: Kat Ward-UPRN- Paranormal Heart-From the Fab5; Ed Odell-RNN (RIFT Nation Network); Bmr RobKar-BigFoot Michigan Rob-Beyond BMR, Brunch with BMR, Late Night BMR. From Island of Misfits;Brandi Butcher-Blondes and Boos & Co-Hosts to: BMR. From Island of Misfits; Nicole Chivattoni-Full Moon Paranormal & CoHost to:Alien8UK; Jennifer Vallis (JV)-Noseworthy, RN (Jen) Paranormal NL (PNL) Podcast & BOG Team Founder/host "Paranormal NL (PNL) Podcast" Founder/Team Lead: PNL BOG Team. A "Boots on Ground" Paranormal Investigation Team Email: paranormal.nl.podcast@gmail.com Follow Paranormal NL Podcast & the BOG Team at https://linktr.ee/paranormalnlpodcast
Buenos días. Rechazo desde la oposición y de sectores del oficialismo sigue generando la declaración de la embajadora de Chile en Nueva Zelanda sobre la “libre determinación para la nación Rapa Nui”. Pero al Ejecutivo pareciera no hacerle mella puesto que ayer el ministro del Interior, Álvaro Elizalde, intentó dar por superado el tema. “Ya fue reprendida por la Cancillería y ella misma reconoció su error”, dijo el secretario de Estado desde La Moneda. Quienes también tratan de marcar la pauta son los libertarios. Ayer el expresidenciable Johannes Kaiser fijó las “líneas rojas” para la eventual entrada de su colectividad al gobierno del Presidente electo José Antonio Kast. La respuesta desde Republicanos fue positiva. Su timonel, Arturo Squella, apuntó: “Me parece súper razonable que ellos planteen cuáles son los contornos que se sentirían cómodos trabajando en una lógica oficialista”. Hoy se espera que se concrete una reunión entre el líder del PNL y el exministro Claudio Alvarado, quien suena fuerte para ocupar la cartera de Interior en el gabinete del futuro gobierno.
Este lunes compartimos El Primer Café junto a Patricio Dusaillant, Ricardo Solari, Claudio Arqueros y Luis Ruz. Claudio Arqueros (UDI), director de Formación de la Fundación Jaime Guzmán, sugirió que en el PNL "intentarán que la figura de Johannes esté más alejada por proyección política y coherencia. Es lo que sus hermanos están diciendo de forma clara". Por su parte, Patricio Dussaillant, director de Ideas Republicanas, coincidió en que a Kaiser no le conviene el desgaste ministerial si su meta es volver a competir por La Moneda. Conduce Cecilia Rovaretti.
Paranormal NL December 23rd, 2025 Guest Bios: In this UPRN 107.7 FM New Orleans & 105.3FM Gulf Coast Paranormal NL Podcast UPRN Segment #59 Spooky Canadian Christmas Special -host Jen Noseworthy talks with 3 Guests: Lee Hatfield, Logan Wagner, and Valter Nakamura-Joint-leads from SIPA Canada (Scientific Investigation of Paranormal Activity) out of Ottawa, Canada. Lee Hatfield has over 25 years of experience as a paramedic, firefighter, and (RAF) Royal Air Force Veteran in the UK which he brings to his work investigating the unexplained. Since moving to Canada in 2013, Lee deepened his Paranormal expertise & education through courses in Demonology, Cryptozoology, and the Poltergeist Phenomenon. Lee teaches a 4-week program on paranormal equipment to help others better understand and utilize investigative tools. Lee Hatfield is also with (PPRI) Paranormal Phenomena Research & Investigation https://www.ppri.net/ Logan Wagner is SIPA's technology and equipment lead specialist. Logan brings deep expertise in understanding, operating & developing paranormal instrumentation and investigative methodologies. Logan ensures SIPA field operations are grounded in scientific rigor & enhanced by cutting-edge tools and techniques. Valter Nakamura specializes in a wide range of spiritual studies and practices such as spirit communication, metaphysical & esoteric traditions, and soul-based exploration. Valter is SIPA's leading authority on spiritual and energetic phenomena. Valter's expertise provides a crucial balance to SIPA's investigative approach that bridges scientific methods with a deeper understanding of the spiritual realm. Big Shout out to Spirit Hunters Ontario founder Judy Mirault for introducing PNL to SIPA. (Spirit Hunters Ontario team members Debbie & Jen were on PNL Podcast S2/E82). Follow SIPA Canada at https://allmylinks.com/sipacanada Shout out to UPRN Producer Michelle Desrochers from Ontario, Canada. Michelle is also host of The Outer Realm Radio & Beyond the Outer Realm on UPRN. https://linktr.ee/michelledesrochers_ Jennifer Vallis (JV)-Noseworthy, RN (Jen) Paranormal NL (PNL) Podcast & BOG Team Founder/host "Paranormal NL (PNL) Podcast" Founder/Team Lead: PNL BOG Team. A "Boots on Ground" Paranormal Investigation Team Email: paranormal.nl.podcast@gmail.com Follow Paranormal NL Podcast & the BOG Team at https://linktr.ee/paranormalnlpodcast
Tatiana Herrera, especialista en meditación, te ayuda a mejorar tu técnica y aprender a meditar de forma correcta y efectiva con 3 sencillos pasos. Descubre los beneficios que existen en cada tipo de meditación y la metodología óptima para lograr los resultados esperados. Tatiana Herrera Instructora de meditación certificada en 2023, con sellos de calidad Internacional CPD, CMA e IPHM. Diplomada en PNL y práctica personal por más de 8 años. https://www.instagram.com/tatianaherrera_meditacion https://www.facebook.com/share/16SQoaxmjo/ Más información en: https://www.mindaliatelevision.com 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 https://www.mindalia.com/plataformas/ *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas. #Meditación #Tips #Beneficios
La nutrición sin tóxicos va mucho más allá de comer “light” o “bio”. Teba Valmé, explica cómo los tóxicos de la dieta diaria afectan a tu energía, hormonas y microbiota, y comparte claves prácticas para crear una alimentación integral, consciente y libre de tóxicos que nutra cuerpo, mente y emoción. Teba Valmé Nutricionista experta Microbiota, Inteligencia Emocional, Coaching, PNL, Mindfulness y Gestión Emocional. Máster de Medicina Ambiental. https://www.instagram.com/tebavalme/ Más información en: https://www.mindaliatelevision.com 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 https://www.mindalia.com/plataformas/ *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas. #Nutrición #Salud #Tóxicos
Encuentro renacer Si estás emprendiendo o quieres emprender, probablemente enfrentas uno (o varios) de estos miedos: miedo al fracaso, miedo al rechazo, miedo a no ser suficiente o miedo al dinero. En este episodio, junto a Mabel Katz y Fabián Tejada, exploramos cómo estos miedos se forman, cómo se activan en tu mente y, sobre todo, cómo puedes superarlos para avanzar en tu negocio y en tu vida. Descubrirás: por qué el miedo más fuerte del emprendedor no es el fracaso, sino el rechazo cómo la familia, la cultura y la “tribu” condicionan tu capacidad de emprender qué hacer cuando el miedo al dinero te frena la razón real por la que te cuesta vender cómo transformar el miedo en un motor de crecimiento técnicas prácticas de PNL para reprogramar tu mente la visión espiritual de Mabel para soltar, confiar y actuar historias reales de transformación que te inspirarán Este episodio combina ciencia, PNL, Ho'oponopono y estrategias prácticas, y es ideal para: emprendedores principiantes emprendedores en expansión coaches, terapeutas y creadores personas que sienten que “tienen un llamado” pero el miedo los frena empresarios que quieren elevar su mentalidad y liderazgo
El europeísta Ciprian Ciucu, del gobernante partido liberal PNL, será el próximo alcalde de Bucarest tras ganar este domingo las elecciones municipales. Lo analizamos con el catedrático y diplomático rumano, Iordan Barbulescu.Escuchar audio
Live from the Morgan Stanley Global Consumer & Retail Conference, our analysts discuss how AI is reshaping the future of shopping in the U.S.Read more insights from Morgan Stanley.----- Transcript -----Michelle Weaver: Welcome to Thoughts on the Market. We're coming to you live from Morgan Stanley's Global Consumer and Retail Conference in New York City, where we have more than 120 leading companies in attendance. Today's episode is the second part of our live discussion of the U.S. consumer and how AI is changing consumer companies. With me on stage, we have Arunima Sinha from the Global and U.S. Economics team, Simeon Guttman, our U.S. Hardlines, Broad Lines, and Food Retail Analyst, and Megan Clap, U.S. Food Producers and Leisure Analyst. It's Friday, December 5th at 10am in New York. So, Simeon, I want to start with you. You recently put out a piece assessing the AI race. Can you take us through how you're assessing current AI implementation? And can you give us some real-world examples of what it looks like when a company significantly integrates AI into their business? Simeon Gutman: Sure. So, the Consumer Discretionary and Staples teams went to each of their covered companies, and we started searching for what those companies have disclosed and communicated regarding their AI. In some cases, we used AI to do this search. But we created a search and created this universe of factors and different ways AI is being implemented. We didn't have a framework until we had the entire universe of all of these AI use cases. Once we did, then we were able to compartmentalize them. And the different groups; we came up with six groups that we were able to cluster. First, personalization and refined search; second, customer acquisition; third product innovation; fourth, labor productivity; fifth, supply chain and logistics. And lastly, inventory management. And using that framework, we were able to rank companies on a 1 to 10 scale. Across – that was the implementation part – across three different dimensions: breadth, how widely the AI is deployed across those categories; the depth, the quality, which we did our best to be able to interpret. And then the last one was proprietary initiatives. So, that's partnerships, could be with leading AI firms. So that helped us differentiate the leaders with others, not necessarily laggards, but those who were ahead of in the race. In some cases, companies that have communicated more would naturally scream more, so there is some potential bias in that. But otherwise, the fact pattern was objective. Walmart has full scale AI deployment. They're integrated across their business. They've introduced GenAI tools. That's like their Sparky shopping assistant. As well as integrated to in-store features. They talked about it. It's been driving a 25 percent increase in average shopper spend. They've recently partnered with OpenAI to enable ChatGPT powered Search and Checkout, positioning where the company, where the customer is shopping. They're also layering on augmented reality for holiday shopping, computer vision for shelf monitoring. LLMs for inventory replenishment. Autonomous lifts, the list goes on and on. But it covers all the functional categories in our framework. Michelle Weaver: And how about a couple examples of the ways companies are using these? Any interesting real world use cases you've seen so far? Simeon Gutman: So, one of them was in marketing personalization, as well as in product cataloging. That was one of the more sided themes at this conference. So, it was good timing. So, the idea is when product is staged on a company's website; I don't think we all appreciate how much time and many hours and people and resources it takes to get the correct information, to get the right pictures and to show all the assortment – those type of functions AI is helping enable. And it sounds like we're on the cusp of a step change in personalization. It sounds like AI, machine learning or algorithm driven suggestions to consumers. We didn't get practical use cases, but a lot of companies talked about the deployment of this into 2026, which sounds like it's something to look forward to. Michelle Weaver: And Megan, how would you describe AI adoption in your space in terms of innings and what kind of criteria are you using to assess the future for AI opportunity and potential? Megan Clapp: Yeah, I would say; I'd characterize adoption in the Food and broader Staples space today is still relatively early innings. I think most companies are still standing up the data infrastructure, experimenting with various tools. We're seeing companies pilot early use cases and start to talk about them, and that was evident in the work we did with the note that Simeon just talked about. And so, the opportunity, I think, going ahead, lies in kind of what we see in terms of scaling those pilots to become more impactful. And for Staples broadly, and Food, you know, ties into this. I think, these companies start with an advantage and that they sit on a tremendous amount of high frequency consumption data. So, the data availability is quite large. The question now is, you know, can these large organizations move with speed and translate that data into action? And that's something that we're focused on when we think about feasibility. I think we think about the opportunity for Food and Staples broadly as we'd put it into kind of two areas. One is what can they do on the top line? Marketing, innovation, R&D, kind of the lifeblood of CPG companies, and that's where we're seeing a lot of the early use cases. I think ultimately that will be the most important driver – driving top line, you know, tends to be the most important thing in most consumer companies. But then on the other side, there are a lot of cost efforts, supply chain savings, labor productivity. Those are honestly a bit easier to quantify. And we're seeing real tangible things come out of that. But overall I think the way we think about it is the large companies with scale and the ability to go after the opportunity because they have the scale and the balance sheet to do so – will be winners here, as well as the smaller, more nimble companies that, you know, can move a little bit faster. And so that's how we're thinking about the opportunity. Michelle Weaver: Can you give us also just a couple examples of AI adoption that's been successful that you've seen so far? Megan Clapp: Yeah, so on the top line side, like I said, kind of marketing innovation, R&D. One quick example on the Food side. Hershey, for example, they're using algorithms to reallocate advertising spend by zip code, based on the real time sell through. So, they can just be much more targeted and more efficient, honestly, with that advertising spend. I think from an innovation perspective too, these companies are able to identify on trend things faster and incorporate that and take the idea to shelf time down significantly. And then on the cost side, you know, General Mills is a company is actually relatively, far ahead, I'd say, in the AI adoption curve in Staples broadly. And what they've done is deployed what they call digital twins across their network, and it has improved forecast accuracy. They've taken their historical productivity savings from 4 percent annually to 5 percent. That's something that's structural. So, seeing real tangible benefits that are showing up in the PNL. And so, I think broadly the theme is these companies are using AI to make faster, and more precise decisions. And then I thought, I'd just mention on the leisure side, something that I felt was interesting that we learned from Shark Ninja yesterday at the conference is – when asked about the role of Agentic AI in future commerce, thinks it'll be huge was how he described; the CEO described it. And what they're doing actively right now is optimizing their D2C website for LLMs like ChatGPT and Gemini. And his point was that what drives conversion on D2C today may not ultimately be what ranks on AI driven search. But he said the expectation is that by Christmas of next year, commerce via these AI platforms will be meaningful; mentioned that OpenAI is already experimenting with curated product transactions. So, they're really focused on optimizing their portfolio. He thinks brands will win; but you have got to get ahead of it as well. Michelle Weaver: And that's great that you just brought up Agentic commerce. We've heard about it quite a bit over the past couple of days, Simeon. And I know you recently put out a big piece on this theme. Agentic commerce introduces a lot of possibility for incremental sales, but it also introduces the possibility for cannibalization. Where do you see this shaking out in your space? Are you really concerned about that cannibalization possibility? Simeon Gutman: Yeah, so the larger debate is a little bit of sales cannibalization and a potential bit of retail media cannibalization. So, your first point is Agentic theoretically opens up a bigger e-commerce penetration and just more commerce. And once you go to more e-commerce, that could be beneficial for some of these companies. We can also put the counter argument of when e-commerce came, direct-to-consumer type of selling could disintermediate the captive retailer sales again. Maybe, maybe not. Part of this answer is we created a framework to think about what retailers can protect themselves most from this. Two of them; two of the five I's are infrastructure and inventory. So, the more that your inventory is forward position, the more infrastructure you have; the AI and the agent will still prioritize that retailer within that network. That business will likely not go elsewhere. And that's our premise. Now, retail media is a different can of worms. We don't know what models are going to look like. How this interaction will take place? We don't know who controls the data. The transactions part of this conference is we were hearing, ‘Well, the retailers are going to control some of the data and the transaction.' Will consumers feel comfortable giving personal information, credit card to agents? I'm sure at some point we'll feel comfortable, but there are these inertia points and these are models that are getting worked out today. There's incentives for the hyperscalers to be part of this. There's incentive for the retailers to be part of it. But we ultimately don't know. What we do know is though forward position inventory is still going to win that agent's business if you need to get merchandise quickly, efficiently. And if it's a lot of merchandise at once. Think about the largest platforms that have been investing in long tail of product and speed to getting it to that consumer. Michelle Weaver: And Arunima, I want to bring this back to the macro as well. As AI adoption starts to ramp the labor market then starts to get called into question. Is this going to be automation or is it going to be augmentation as you see a ramp in AI adoption? So how are your expectations for AI being factored into your forecast and what are you expecting there? Arunima Sinha: There are two ways that we think about just sort of AI spending mattering for our growth forecasts. One part is literally the spend, the investment in the data centers and the chips and so on. And then the other is just the rise in productivity. So, does the labor or does the human capital become more productive? And if we sum both of those things together, we think that over 2026 – [20]27, they add anywhere between 40-45 basis points to growth. And just to put things in perspective, our GDP growth estimate for the end of this year in 2026 is 1.8 percent. For 2027, it's 2.0 percent. So, it's an important part of that process. In terms of the labor market itself, the work that you have led, as well as the work that we've been doing – which is this question about adoption at the macro level, that's still fairly low. We look at the census data that tracks larger companies or mid-size companies on a monthly basis to say, ‘How much did you use AI tools in the last couple of weeks.' And that's been slowly increasing, but it's still sort of in the mid-teens in terms of how many companies have been using as a percentage. And so, we think that adoption should continue to increase. And as that does, for now, we think it is going to be a compliment to labor. Although there are some cohorts within sort of demographic cohorts in terms of ages that are probably going to be disproportionately impacted, but we don't think that that's a sort of near term 2026 story. Michelle Weaver: Well, thank you all for joining us and please follow Thoughts on the Market wherever you listen to podcasts. Thank you to our panel participants for this engaging discussion and to our live and podcast audiences. Thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.
Are you a home service business owner who feels overwhelmed by the pace of change in 2025? Do you worry that AI is moving faster than your team, your systems, and even your competitors? How do you keep up with the new rules of search, booking, content, and customer experience without burning cash or wasting time? In this episode of The Better Than Rich Show, host Mike Abramowitz talks with Jennifer Bagley, CEO of CI Web Group and Co-Founder of JustStartAI.io. Jen is known as one of the leading experts in agentic AI systems for contractors. She is passionate about helping small- and mid-sized home service owners future-proof their businesses, increase visibility, raise margins, and eliminate operational waste through AI-enabled systems that operate 24 hours a day. Her background in development, automation, and large-scale digital operations makes her uniquely qualified to explain the shifts happening in the industry and how owners can win today, not someday. If you want to understand the real path forward, Jen brings clarity, urgency, and practical steps you can apply right away. Timestamps [00:00] Why AI matters for home service owners [01:20] Conversational AI vs agent vs multi agent vs agentic [04:30] How Jen builds a whole AI-driven content team [09:30] What agentic workflows look like in real life [12:00] Why trying to build your own network is risky [13:15] Why Jen invested millions to stay ahead [18:20] What owners should do right now [20:00] Inside Start AI and how to get free credits [23:00] How AI improves marketing efficiency [26:30] Building systems for booking and follow-up [33:45] Why WordPress is holding contractors back [37:40] The shift from Google to AI search [43:20] Running a lean and profitable business with AI [46:10] Remodeling your PNL with AI [51:00] What being better than rich means to Jen Key Quotes "Consumer adoption accelerates when devices receive updates overnight. This allows users to experience improved features right away, leading to faster acceptance of new technology." "The speed of progress is crucial right now. Staying ahead in a rapidly changing market is key to success." "Content acts as your storefront; if it's outdated, you risk becoming invisible. Fresh and relevant content is essential for attracting customers in the digital age." "AI will not replace contractors, but those who use AI will surpass those who don't. Embracing AI can boost efficiency and innovation, giving forward-thinking contractors a significant advantage." Key Takeaways Identify where clients are dropping off in the process and quickly eliminate any friction. Utilize AI-enabled vendors before attempting to build anything in-house. Increase daily content output to boost visibility, impressions, and the number of booked jobs. Prepare for AI agents that can schedule appointments on behalf of homeowners. Modernize booking tools to allow agents to schedule appointments smoothly. Transition to low-code platforms when appropriate. Use AI to analyze and remodel your profit and loss statements to enhance margins. Links Mentioned Just Start AI: https://juststartai.io CI Web Group: https://ciwebgroup.comConnect with The Better Than RichWebsite - https://www.betterthanrich.com/Facebook - https://m.facebook.com/betterthanrich/Instagram - https://www.instagram.com/betterthan_rich/Twitter - https://mobile.twitter.com/betterthan_richTikTok - https://www.tiktok.com/@betterthanrichYouTube - https://www.youtube.com/channel/UC3xXEb7rKBvkCOdtWd4tj2ALinkedin - https://www.linkedin.com/company/betterthanrich
Telepatía, metafísica, comunicación entre mentes y conciencia cuántica. En esta entrevista, Xiomara Villanueva nos guía en el despertar de la comunicación telepática: cómo conectar mente a mente a través de la energía y la consciencia. Exploraremos los principios metafísicos que sustentan la telepatía, su desarrollo práctico y su papel en la evolución espiritual del ser humano. Xiomara Villanueva Publicista colombiana, apasionada por la persuasión, la atracción, la metafísica y la espiritualidad. Experta en PNL y comunicadora hace más de 10 años. Más información en: https://www.mindaliatelevision.com 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 https://www.mindalia.com/plataformas/ *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas. #Metafísica #Telepatía #Comunicación
Sigue este enlace para ver la primera parte: https://youtube.com/live/5mV37RFINoY ¿Sabías que tu cuerpo y tu mente están más conectados de lo que imaginas? En esta mesa redonda, psicólogos y especialistas en alimentación consciente nos muestran cómo depurar el cuerpo puede limpiar también pensamientos, emociones y creencias limitantes. Hablaremos de gestión emocional, desintoxicación, microbiota, manejo del estrés y neurociencia aplicada al bienestar. Descubre cómo una limpieza física puede abrirte la puerta a una mente clara, creativa y libre pensamientos negativos o incluso obsesivos. Teba Valme Nutricionista experta Microbiota, Inteligencia Emocional, Coaching, PNL, Mindfulness y Gestión Emocional. Máster de Medicina Ambiental. https://www.instagram.com/tebavalme/ Lola Gómez Licenciada en Psicología con 26 años de experiencia y 4000 casos de éxito. Introduce el cuerpo en el trabajo terapéutico; especialmente en el emocional y de trauma. https://lolagomez.es/ https://www.instagram.com/lolagomez.psicologa/ Rosa Medina Psicóloga y Psicoterapeuta Gestalt, EMDR, PNL y Coaching. Integra la voz y el canto libre en la terapia. Imparte formación de Canto Terapéutico en España e Italia. https://www.lavozcurandera.com/ https://www.instagram.com/rosamedina_cantoterapeutico/ Cecilia Chiarpotti ClariVidente, Médica intuitiva, médium, y sanadora Ancestral. Dedicada hace más de 20 años a Terapias Holísticas. https://espacioceciliachiarpotti.com.ar/ https://www.instagram.com/ceciliachiarpotti José Zulatto Psicólogo y profesor de enseñanza de Psicología y Filosofía. Terapeuta Akáshico con método propio. https://terapiabioenergetica.org/ https://www.instagram.com/josezulattook/ Más información en: https://www.mindaliatelevision.com 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 https://www.mindalia.com/plataformas/ *Mindalia.com no se hace responsable de las opiniones vertidas en este vídeo, ni necesariamente participa de ellas. #Desintoxicación #AlimentaciónConsciente #BienestarIntegral
Revamping your financials is as easy as … Kiera shows off her savvy financial skills by sharing what it takes to know what's being spent in your practice. Her spreadsheet tips will answer such questions as: What can be cut? How can you make sure your overhead is in check? What do you need to produce? And much more. Want a sample spreadsheet to get started? Email hello@thedentalateam.com. 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 you're just having an amazing day. Like a great, great, great, incredible day. ⁓ just, today's topic is one that makes me excited and it's so dry and boring, ⁓ but I love it. And I'm like, that's probably a buzzkill for the podcast, but you know me, one of my core values is fun. And Dana, shout out to Dana, DanyDane over there. ⁓ She gave me one of the best compliments. We do a thing on Wednesdays called core value shout out in our company. And I will tell you if you do not have this in your company, I would strongly advise you do this. What we do is every single Wednesday, our company goes and our whole team says that this is our favorite. You guys, we have gone from a very small team to a much larger team and we still do this. So just know small teams, big teams, it is doable and it is very relevant and very essential. And I think it just goes so well. I am okay to take a little bit longer on this morning huddle because of how good it is. so core value shout out is where we just randomly will pick somebody and then it's popcorn after that. So they'll choose the next person. So for example, we would start and I would say, okay, Shelbi starting today and everybody chooses somebody on the team and they highlight them for a core value and it has to be a core value. It has to be something specific. And so Dana gave me one of the greatest compliments. She said, Kiera, she said she wanted to give me the core value of fun, because fun is really one of our core values. And she said, I want to give it to you for fun, because she said a lot of times topics that are so hard ⁓ or things that people wouldn't necessarily find fun. She said, you just know how to sprinkle the fun and the confetti and the glitter and make things that are hard or something that teens wouldn't want to do or doctors wouldn't want to do. you make them really fun. And honestly, that has stuck with me. It is a few days later since she gave me that compliment and I'm still remembering it. So not only is core value shout out day amazing, it also helps you just enjoy and to have like, to be happier. ⁓ It also infuses core values into your company. And I'm excited and grateful that I'm able to bring fun things to the podcast, a dry topic. I hope I've teed this up enough to where you're excited about it. But this is, think, the discipline side of business of owning a dental practice that you need to do. And this is really, think, for office managers or billers and doctors. And this is something that I think will give you so much confidence. it came actually from our doctor mastermind. We have ⁓ a private doctor only mastermind that we run every single month. It's a virtual one. And then we do an in-person one ⁓ that's more for doctor and leadership teams. But our monthly one, call it Think Tank, and it's on the first Tuesday of every month. And a doctor was saying, she's like, I just don't know where to cut. I said, send me your PNL and tips like, and she's going to want your credit card statement and she's going to want all your stuff. And while yes, I am obsessive on this. have helped family members. I've helped offices. I've helped myself. something that I will like toot my own horn on it. I actually think I'm very talented with money, with saving, with figuring out solutions and helping people understand where you can cut. This podcast also came about because this morning on my, ⁓ Shelbi Britt and I were meeting and we were literally going through. our finances to see where could we maybe squeeze the tube of toothpaste a little bit more, where could we maybe change a few things. And I think that that's just so relevant and so helpful. And so this is something I do in my day in day out life. It's something that I think for you to go from chaos and lack of financial clarity to confidence is something that I really want to just bring to the table today on the podcast. If you're new to Dental A team, welcome. We are obsessed about helping you have your best life and ⁓ doing it in a fun, easy way through dentistry. And so helping you with our yes model. So you as a person getting your life, your vision, all of that in place, then moving into earnings. So ⁓ financially, that's the piece today. And then using those financial pieces. So your analytics, your PNL, your overhead to also help us figure out what systems and team development need to go into place to make sure you have this thriving practice. Because honestly, I believe that being successful, being a successful dental practice does not have to be hard and it can actually be easy. So that's what we're here for today. ⁓ With that. So today it's going to be like, how do you actually like figure out your costs? So I did this a long time ago and then I like met a lot of really smart financial people. I'm not a financial advisor. I will throw that out there. So just make sure you talk to them and you have your, ⁓ like you chat with them of what's best for your state, but I will teach you how I do it. This is annoying. It's a little cumbersome, but people love to hear like, how do you actually do this? I'm always like, how do people get like jacked? Like how do they work out? Like. me like what time do you work out like what do you do for your nutrition and just so I understand the full landscape and then I'm going to pick and choose of what's going to work well for me that I'll actually implement so hopefully that will be effective for you today as well. So this is what we do. I have a spreadsheet that I have for monthly costs. We do this with all of our clients too. So if you're like, this feels too hard, don't worry, join the Dental A Team. We'll help you get it put together. So we have a monthly cost. And what I do is on the monthly costs, and this is probably my most visited spreadsheet of my entire company. And I'm super excited because we're bringing in another team member who does financial. Forecasting and has a whole background in finance. So my method might get revamped to 2.0 and there's always another layer. But what I have is I have on our monthly costs, I have all the salaries and all of the pay. Now for offices, I do include doctor pay. Again, I'm not a CPA and I do believe that doctors should be paid. So I put in either your W-2 salary and or your doctor compensation of 30%. Now I do lose numbers. So our consultants are paid very similar to how doctors are paid. ⁓ And so you can get a general idea. So mine are general ideas. It's not my highest month. It's not my lowest month. It's the average is what I've selected to do for these costs. So again, this spreadsheet will not be absolutely perfect, but I think it's a really great tool to figure out what can I cut? How can I make sure my overheads in check? What do I need to produce? How do I basically figure out my BAM, my bare ACE minimum in a company? And so that's what we're gonna be looking at. So with that, I first list all the salaries and... I want everything in there. And then what I have is a current. So I'm gonna have a current and then I'm also going to have like a future. So for example, if you're planning to hire somebody, but they're not hired yet, that's something that you're going to wanna know, what is my cost now? And what is going to be the future cost? Because those two things are actually different numbers. And so for me, it's really helpful so that I can look at you guys honestly. When I started this, had like three team members and now we have tons of team members on there and outsource people and virtual assistants. And ⁓ the list just gets bigger and bigger and bigger. I can go back and I can look at things that we've done before. And so mine's on Google Sheets. And again, we've built one of these and I'm even happy to share, reach out, Hello@TheDentalATeam.com. But this is something, so I go through all the salaries. And then for me, ⁓ if you do health insurance or you do a health stipend or whatever it is, you add that in. as well, but then what I do, and again, talk to your CPA, see what your payroll tax are. For me, I just estimate 10%. I always like to air higher. So you will notice in all of my projections and everything I do, I'm going to always air higher than it actually is rather than lower. And so just looking at that, just so you know, that's how I do. So my CPA told me 10%, we have business in four different states. I think we're actually up to five now. So I estimate high, no matter what state they're in, I just do a 10%. So I'll do my total salaries of the month, an estimated 10 % payroll. And then I've got that in there, my total payroll. Then we have our health stipends or health insurance, our 401k costs in there, how much it costs me per user, what the 4 % is. I actually go grab people's salaries and their bonuses, put it in there. So I have a pretty good idea. Then what I do is I check every single month to see based what I have here, is that close? to what I'm actually paying or is it not? I know some of you might be like, well, here, I just get it from my CPA, I get a P &L. I agree, but this is a good checks and balance between my CPA and myself. And also when I'm trying to project and forecast, can I add people in? How much is this gonna have? Where can I cut? If I can see it all line itemed out, it's actually for me at least much easier for me to see what are all my costs and where can I squeeze the tube of toothpaste to get a little bit more ⁓ toothpaste out of that tube or a little more juice out of the lemon. So that's what I have. And then what I have down below is like outsource. So if you've got VAs or you've got ⁓ different people that are contractors or things like that, I have that in there and that one EBS and flows mostly that hangs in my marketing department. That's where I have a lot of those. And then also VAs and EAs that'll be in there that are virtual assistants that are through other companies. So they're not running on my payroll, but they are down there. Like I have some consultants on there. I've got some coaches on there that will be in that section for me. But those again are not up in that payroll section because I'm not paying that. payroll tax on them and I'm also not 401k on them, but that helps me see how much am I paying in outsourced resources to see should I cut that, should I keep that, how much do I have on the top, is my payroll heavy. You also can break this down by department. So you can see how much am I paying in my hygiene department, are they offsetting, how much am I paying my doctor department, my front office department, all those different departments. If you want to get even more granular, you can. And then below that, I have all of the office expenses and this is something really great. This year Britt she ⁓ 2.0'd us and she put in their end of year expenses because there's a lot of things that I just pay at the end of the year that are annual subscriptions that will save money on but the reality is I should probably be saving that money throughout the year, right? Because every single month there would be an expense allocated if I didn't pay it annually. So we should be adding that in so we're saving for that. We're preparing for that for the end of the year. We have different things in there. So like all of our subscriptions that we have you might have Netflix, you might have Audible, you might have Canva for marketing, ⁓ ChatGPT if you're paying for those subscriptions, anything. And I'm constantly updating this like as you hear ChatGPT and how many do we have for that? ⁓ We use our project management software is on there. I also know that every single month I have a budget allotted for employee gifts and anniversaries. And so we have an allotment of how much we spend. I do double check this, but I try to break it down. Also I have in there my merchant fees and how much my merchant fees are on average. ⁓ And I literally list everything out. So whether it's personal, because like Audible and my phone, I do have those on there. Those are personal things for me that do run through the business, but there's still business expenses that will need to be on there. ⁓ And then we've got our bookkeeping and our accounting or CPA, our lawyers, all of that in there. If you have vehicles that your CPA said is okay for you to run through, all of that, your rent, your mortgage, your supplies, your internet, all of that in there. to where at the bottom of this list, you can get a complete grand total for the month. And what's really awesome about that, you can actually break it apart so you can have doctors where they're not in there. This then tells you basically your BAM, your bear ace minimum. And then what we can do from there is we can figure out what you need to produce to be able to hit. So hopefully all that was like not too much. just rattle, I'm like literally looking at my spreadsheet as I'm telling you this, all of that. Then below that, we're gonna wanna also add in debt services because debt services are also going to hit your cashflow side of it. So when you have these two tools together, then you can figure out what's bam, my bare ace minimum, what's my overhead and then what can I cut and then what do I need to produce? Then we can figure out what we need to produce with block schedules. There's like a whole other zone, but back to the client's question. She said, I don't even know what to cut. So today me and our leadership team, we were going through this and we literally looked to see, okay, what's on our office expenses? And I know this sounds so dumb and so like trite. but I think it's the discipline of knowing how to do this because you better believe when I'm looking at my monthly expenses, which are outlandish and they're very high. When I look at this, saving 40 bucks a month is not like, it's truly a literal spit in the bucket. But when I think about it, it's $40 here, it's $20 there. It's just like your credit card statement at the end of the month. I'm always shocked at how much is on there and it's $20 on Amazon here, $30 over here. $20 there and all those $20, $30 purchases add up to multiple thousands of dollars every single month. So when we look at this, I look at every single office expense and I'm like, okay, is Adobe something that we need? And this was actually a catch that we had. I was like, we're paying $65 a month for Adobe. Do we still need the entire suite? The answer is no, we don't. We only need it for a small thing. And then we started thinking like, softwares are evolving. So we're like, does G Suite ⁓ actually cover that? Or... does another one of our subscriptions cover it? Because so many times our subscriptions that we're paying are like duplicates of something else. G Suite has expanded and I'm like, do we still need to use boomerang? I use boomerang all the time. I love boomerang so much, but I'm like, has G Suite evolved to where they have something comparable to it that we could cut the boomerang is 120 bucks a month for us. And Shelbi was like, wait, not all of our team members, like our marketing team does not use boomerang. They're not doing client facing emails. They rarely are in their inbox. They're in Slack all the time. she's like, what if we reduce the number of people on boomerang that would actually cut our costs down. So again, it's this like fine tuning revolving through it looking, do we need this? Could we reduce this? Do we need to, are all the people that were still on there, do we still need to pay for all those people? Could we change it to this? Are we still gonna be here for that? And you go through and you literally ask, is this a want, a need, or is there a better way that we could spend our money on this? And again, I know it sounds so dumb. Like this, this is not fun. This is not something that I'm excited to share with you on a podcast, but I'm so excited because the discipline of doing this, the doctor, the reason it came up is because she wants to sign up for AI, ⁓ Pearl or Overjet. Back and forth, we talked about it at length of which one's better. This is why I love our Dr. Mastermind. And it's about $130 a month. And she just like, I'm so sick of these subscriptions. And I'm like, well, go get rid of Netflix or go get rid of one of these things or don't have all the beverages in the in the refrigerator, maybe just choose one of them. Like there's so many things like, but this is where you look at your list because you have your entire list in front of you. And my office expenses right now, and this is where I look at my credit card. I look at every single thing on there. Right now we have 39 different things that we pay for of monthly subscriptions or annual subscriptions, different things. It's got our insurance policies on there. And then what I can do is I can come in and assess and say, okay, of all these high expenses, like if I need to cut expenses very quickly, I could look to see, all right, my highest hitters are XYZ. This one's $500, this one's $1,000. Do I still need these? Are we still using them? Is there a cheaper competitor that I could switch to? Where am I at? And all these things. What I love about this is it helps you just look to see where your money's going because at the bottom it has a grand total. And then what's nice is I then can look to see, is this grand total what my CPA is telling me I'm spending every single month? Do they line up? And if not, where's the discrepancy and where is it? I also can look at future things. if I'm going to be increasing or I'm going to be adding team members or we're going to be looking to add say another subscription or another piece, what is that going to change my monthly amount? And am I okay on my production and collection side to be able to afford it? So many people are like, I talked to my CPA to see if I can afford it. And I want to just say that yes, it's great to have a CPA there. It's also better to know instead of being like a parent child. if you can spend it. I want my CPA to give me my books, my reconciliation. I want them to talk to me about my tax strategy, but I don't want them to be the ones telling me, can I afford something or can I not? I wanna go to them and say, I know I can afford this. This is what I think. Do you think it's a good idea? Then I'm counseling with them rather than being told. And this goes for all of my executive board. I want to know as much as I possibly can. So that way when I show up, like even financial advisors, even my... My lawyers, like I do a lot of research before I go into those because I don't want to just blindly follow. I want to actively participate. So we're making the best decisions. I believe they're all in the best interest. I don't believe my CPA telling me to do something or not to do something is the end all be all. I feel like we are great at counseling together. They give me their opinion. I know the numbers. They know the numbers. We know where the business is going. And then my job is to make the best decision for the business and for myself. So this is where I just really obsessed because right now I'm looking and I'm like, wow, what I'm currently paying based on bringing in some new hires, we're gonna do a $30,000 increase. And I look at that I wonder, is that wise? Is that what I wanna do? Is that what we as a business wanna do? Is that smart for the business? Or is it something like, then I get to sit here and I get to innovate and we get to think of like, what other ideas could we do? That's why I went down the list, because I wanna hire some more people. It's a little premature for these hires. So I was like, okay, let's go back to the list. Let's look at the list. Like where could I like cut some costs to see, could I free up any cash in other areas or do we need to make different decisions? Or is it like, I need to put a pause on hiring that person for a little while until the business gets to X amount and then we can bring on those different hires. So when you look at this, that's how I do it. I use this spreadsheet. I'm not kidding. I I hold, I can tell you exactly because what's great on Google Sheets is they can literally tell you all the different versions. Okay. So let's just go back to, I'm going to go, this is embarrassing. I'm going to go to June. Okay, so I'll just go back a few months for you guys. I logged into this spreadsheet of the monthly costs. June 5th, June 10th, June 16th, June 19th, June 24th, June 24th, again, June 25th, July 2nd, multiple times, July 7th, July 8th, July 9th, July 10th, 15th, 16th, 17th, 18th, 24. The only reason it stopped there is because I went out of town August 3rd, August 6th, August 7th. As you can see, I'm in this spreadsheet almost daily. If not every other day. That's insane. I mean, I can go back to April. I can go back to March, February, January, December, December. I'm in here all the time. November, October of last year. I'm just going down. October. I was in there 10 because that's when I started to do projections. So you better believe I was in there a lot more during that time. October. There's about 20 entries September. So when I tell you this is a tool, that I have found that works so insanely well. Clients love it. Cause then we're like, our overhead's high. We can go over to our costs and say, why is it high? What is causing this? I'm looking at people's loans that they have and I'm like, do you really use the Seric? Do we need to continue to use this? Are we using all these different like plan Mecca and all these other loans that we have on the practice? Are we still using that? And if so, that's fine. But let's at least know where our money's going. so then we can make better decisions of do we wanna continue that? And so hopefully, like I said, it's not a fun topic. Like it is, this one, if you can't tell, the passion, the fun, like it's really fun for me to look to say like, okay, where is it? This is where I decided it was time for us to close our headquarters down in Reno. We used to have one, but I was looking for how can I cut costs? Where can I, because for me, I'd rather not spend it on a physical location. I'd rather buy, like spend that money on different softwares that are gonna make us more efficient, being able to hire better employees. Like I'd rather reallocate those dollars to something that's gonna benefit the company more. And so for you, just feel like this is such a great tool to help you truly know where your money's going, know where you can cut. And like I said, I do this for personal. I'm like, all right, give me all your costs. Give me your credit card. We're gonna look at every single thing. And then like, what could we do differently? I mean, my cell phone, let alone, I used to pay almost a hundred bucks a month for my cell phone. It's now, hold please. I'll tell you the exact amount. Cause I can tell you it's literally right here. Um, it is a telephone right here, $35 a month. And I used to pay 95, but that was once again, like Verizon got a competitor. have a sister company called visible. I could even get it down to 20, but I didn't want to like drop that far. But we went from 90 to 35 and there was no change or disruption. I watched it for several years. I had people do it, then made the change. Is there a better company out there for X, Y, or Z? Is there a better processing company? And I know again, this seems annoying. But annually around September, October is when I start to do projections and I start to look at everything. Cause I'm looking at costs. What could I cut? But monthly, daily, I'm looking to see who can I hire? Where can I do things? Change it, adjust it. And what's amazing is when doctors and OMS have this tool available, now you're like, can we afford to hire this person? You can answer with confidence rather than hoping and praying you're going to be able to make it. Just like what I used to do. was like, let's just hope and pray we're going to hire them and hope it works out. now I can have way more confident decisions. And like, think as a business owner, being able to have confident, like one of the strongest things you need to do as a business owner is be able to make decisions. And I think the second piece to that is being able to make more confident decisions, utilizing tools like this one that I'm sharing with you. So if you want help, reach out, Hello@TheDentalATeam.com. Like I said, I love to put this together for clients. I love to give them the tools and resources to where they can actually be here and know. And also I say if you're here, Like go get your credit card, list everything out that you're spending money on. Look at your P &L, see if it matches up, see if you can figure it out. And this was something that's been evolved over the course of honestly, probably eight years. I started it when I was really new into the business. I made this myself because I'm like, I don't even know where my money's going. How am I supposed to be able to make decisions? And I could not figure out why my overhead was so high. Now I can tell you exactly this is what we're spending every month. This is why we're spending it. This is what we want to do. This is where we're going. These are the numbers that we need to do. It just gives you so much confidence, clarity. And so that's why I just love to share it and to help you. ⁓ I believe, like we said in the yes model, you as a person need to know where your vision is. Then we need to have your earnings and your profit where it needs to be. And then we need to figure out the systems and team development to support all of those pieces. And that's what we love. It's what I'm obsessed with. So reach out, ⁓ even if you're like, I don't know. I don't know if I'm a good fit. Let's just have a call. It's literally no commitment, no stress. just clarity and confidence to get you the momentum that you deserve. So reach out Hello@TheDentalATeam.com. Go fall in love with numbers and spreadsheets. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.
Tiff and Kristy provide guidance on how to assess your practice's financial health as 2025 begins to wrap up (and what to start thinking about for 2026). They touch on… Reviewing those P&Ls monthly Aligning spending habits Keeping emotions in check And more! Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review The Dental A Team (00:01) Hello, Dental A Team listeners. I am so excited to be here with you today. I truly love this portion of what we get to do in our worlds and getting to get you so much valuable information out to the masses is something that Dental A Team has worked and strived just so hard to achieve in our. consulting world of just getting you all this information and I have with me today one of my faves. I seriously, I have the most amazing consulting team and if you guys haven't heard from all of them yet, you soon will and if you don't know them personally yet, they're not your consultants. I hope that you get to meet every single one of us even if you're just coming to the events, however it is, but I... have a personal favorite here for recording podcasts with. She calms me, she just keeps the energy light and fresh and I love any time that we get together. Kristy, thank you so much for being here today. How are you doing? The weather is like weird today. I always tell everybody about the Arizona weather and it's so much fun to have everybody here in the same place. We all live in Arizona in the Phoenix area. Jane is down in the Tucson area, but. We really love it. And Kristy, how's your world over there? You're just in the beautiful little pocket of Phoenix. And how is it? DAT Kristy (01:23) Yeah, it's awesome. I love that you say that because we do pride ourselves on the weather here, right? But even with that, this weekend we got a lot of rain, what they say the most in like seven years. Yet all of us, even as close as we are, we experience it so different, right? Like some places flooded. I didn't get flooding, thank goodness, but it downpoured. It was fun and it's made it for cool mornings. So we're taking it. The Dental A Team (01:42) Yeah. I agree. I agree that humidity is hitting us hard. So we're not super used to that, but it is making for some, some really beautiful mornings. totally agree. And yes, Britt and I were actually in Reno at our quarterly in-person traction event where we have a, implementer who comes in and leads it for us. And he helps us to build out the company structure and, teaches and trains us on how to run large meetings like that. So it's always super cool. But we were up in Reno with Britt and or with Kiera Shelbi and Britt and I actually got stuck. Jenna got out. She got back to Denver, which is crazy because Denver always shuts down. And so she got back to Denver. But ⁓ we got stuck until Saturday because the airport was shut down. And then there was a storm in Vegas because we thought, OK, well, we'll fly to Vegas because it's only a five and a half hour drive from there and we'll still get home. And then ⁓ that flight got canceled too. So it was wild. was meant to be, got more time in Reno and got to spend a little bit more time with Kiera. So that was great, but it was kind of crazy. It's not usually Phoenix that disrupts the flight patterns. And it was a hundred percent Phoenix. There were so many flights canceled because so many planes were stuck here and other planes couldn't get in. So it was wild, Kristy. It was wild to watch it from afar. We just got like TikTok notifications and you know, news articles are like, my gosh, all the Waymo's stuck in the puddles and things like that. So. DAT Kristy (03:15) Yeah, they just stopped in the middle of the road like what the heck. The Dental A Team (03:18) Yeah, that's why whenever somebody says, you use the way most? I'm like, heck no, I have seen them stuck in the middle of intersections far too many times. I'm sure one day it's going to be fantastic, but I haven't built that trust muscle just yet. DAT Kristy (03:30) Yeah, agree. Well, I'm glad you made it home safe. And ⁓ yeah, the humidity is odd for us too. The Dental A Team (03:34) Thank you. Yeah, yeah, it totally is. And my son was like, Oh, you go to the East Coast enough, Mom, you're fine. Stop complaining. And I was like, Yeah, that's fair. That's fair. But but in the spirit of planning, we we truly had an amazing time really just one getting the time together as a leadership team and then to really looking and projecting like where are we at? What's Q4 going to look like? And then also kind of prepping and planning for 2026. So super relevant in this conversation here. today and really looking at ⁓ practice health from a financial standpoint. And this is something that your CPAs and your financial advisors and all of those professionals should be looking at with you as well. This is the time of the year that we're really looking at what is this last year? Because we get to Q4 and it's like, well, it's kind of like the end of your senior year, right? You get to the end of your senior year of high school or college and you're like, well, everything's kind of basically submitted. So from here, It's really just like, let's do our best and make sure that we really cross that finish line strong, but there's not a ton of pivots to be made to really change the game. So kind of prepping and planning. And I think looking ahead at 2026, putting in some really solid ways of checking in on that financial health, something that I've seen that, Kristy, I know you do this as well, but something I've seen a lot of clients really ramp up is a monthly pulse and even like, weekly sometimes pulse on what the financials of a practice actually look like has really been beneficial in helping them to really reach those goals. And Kristy, you are really fantastic at figuring those financial goals out and then like backtracking them to see, okay, well, what do we need to do to get there? And how do you help practices really keep that financial pulse top of mind and that running that way so that they're constantly looking at those numbers without feeling overwhelmed and also without losing sight of it. Because you know sometimes you do something too often, you start glazing over it. What's that fine balance that some some tactical tips that you have that you and your practices are working on right now? DAT Kristy (05:52) Yeah, well, first and foremost, I believe that you have to be getting your P &Ls from your accountant monthly, right? We can't be waiting. I have seen some clients where they're begging for them for three months ago, you know, and it makes it really hard to stay on top of it if we're not getting them monthly. So first and foremost, make sure you're getting them from them monthly so that we can take a look at them and evaluate. And I like what you said, Tiff. ⁓ you can be, you can go over the top. It's a fine line, right? So I love looking at them every month and I'm not going to freak out if something's out of whack one month, but certainly let's look at the quarter, right? And make sure that those metrics are in alignment for the quarter. And to your point, I always like to speak in terms of like, we're going to crawl before we walk and we're going to walk before we run. Like, In the crawling stage, let's just make sure where's your overhead, right? What percentage are we at there and what is our profit or EBITDA, so to speak, right? Where are we ranging there? That would be my first little steps to take and start looking at it. The Dental A Team (07:10) Yeah, yeah, I totally agree. And I think what time of the month do you usually push for those PNLs to be received? I have my judgments, but what are yours? DAT Kristy (07:21) like to say by the 15th. I'll give you a little grace and give you by the 20th, but the 15th is my ideal target. The Dental A Team (07:28) Yeah, yeah. I think I'm a little stricter. If I don't have those CPAs reaching out to us by like the eighth to the 10th, I'm like, my gosh, how are we supposed to work with this? There's a lot of, and I ask that because there's a lot of clients out there that are getting them like the first week of the next, next month. And so maybe December, we're finally looking at October. DAT Kristy (07:35) Thank The Dental A Team (07:53) And that is like, gosh, such a lag that we've got these questions floating around of like, where's my cashflow TIF and how do I fix this, Kristy? And it's like, I don't know, because I don't have eyes on what's happening. The P &Ls should be much quicker and much cleaner than that. And realistically, it's just it's the bookkeeper going in and allocating the certain expenses to the category that they should be in. So it's time consuming. but it shouldn't be too crazy. And if yours is too crazy, then we probably need to look at your spending. Do we need to dial back the number of orders that you're placing every month? Do we need to make sure that things are a little bit more simple on that side, that it can be done quicker? Because we wanna be able to make real-time adjustments as quickly as we can. If we're on a two-month lag. then we're adjusting for two months ago, it could look totally different. And then next month we get two months ago and it's like, it was totally different. We didn't need to change it. And so we're just constantly spinning our wheels in that way if we're not getting the data fast enough. And that is, in my opinion, one of the easiest ways to ensure that you're financially healthy is really just ensuring, like you said, Kristy, that on an overtime basis, things are consistent and they're clear, that they make sense. DAT Kristy (09:08) 100%. I like that you said push to the 10th, because obviously if, you know, in the walk or crawling stage, we're just learning, right? We have a little bit of buffer, but as we get to the top of our game, it should be more. And if everything is electronically done, it really is in there already. It's just a matter of organizing it, right? The Dental A Team (09:30) Yeah, and I like to give myself the grace because I know or give them the grace. I typically know if we ask for it by the 10th, we're getting it by the 15th to the 20th. If I give them that leeway, they'll take it. And we know that's just how it works in that world. That's fine. We work with what we've got and figure it out. And I think it's a massive place to start, Kristy, is those P &Ls. And I think the P &Ls really outline DAT Kristy (09:39) Thank The Dental A Team (09:56) the financial health in so many different areas because it gives us insight to what is actually happening. Having those categories split out, we've talked about that a ton, we've done a ton of webinars on it and if you need help with that, reach out. We've got really simple sheets and documents that you can even send over to your bookkeepers and your CPAs that kind of outlines what we like it to look like so that it's simple to review. But being able to see those over time is huge. I know I have a client that like one month was 48 % overhead and that's before Dr. Pay, that's before loans, right? And it's like, holy cow, we killed it. But then it's like, okay, but hold on, because the next month was 64%. So taking an average there because likely something got shifted, payments got posted, or I don't know, I've had some clients that's like, my gosh, I forgot to pay Henry Schein for two months. So then it's like that third month had this massive Henry Schein payment. but over the quarter, it wasn't that bad. So making sure that we're looking at it month by month and over the quarter is huge. ⁓ Something that we've done, that we've ramped up ourselves and that we do ramp up with a lot of clients is really looking at our bank accounts constantly. And I know that Kiera and our financial team, they look at our bank accounts weekly on a weekly basis to make sure that everything makes sense, that things are. where they're supposed to be that, you know, that we're not getting charged for things we shouldn't have been, et cetera, but then also that we're staying in alignment with the budget that we had set. And those budgets come from those P &Ls and those total numbers. Kristy, something I've realized recently in the recent years is while I was in practice, I would build our budgets for our spending. like our... you know, five to 8 % for supplies or what have you or ortho budget, things like that. I would build it based off of our collections, air quotes on that word, and it would be our collections from Dendrix. I'd pull the collections for the last month. I'd build that budget based on the collections. And then Doc would be like, where's all the money? Like, well, I don't know, it should be there. But there's such caveats to what's been posted in Dendrix or your operating software. compared to what's actually in QuickBooks, I found that I was running this like ragged race of trying to play catch up all the time with like even just the percentages for credit card fees and third party financing being taken out of our payments, just those simple tweaks make a massive difference. So building those budgets, Kristy, off of our actual P &L numbers, our actual QuickBooks collections has... made a massive difference, I know, for a lot of my clients. How do you see that working for clients? And also, how do you see that working with a leadership team that maybe doesn't have access to or not looking at those P &Ls together? How do you suggest for financial stability and health in the practice, they really get that information down to the people that need it? DAT Kristy (13:08) Yeah, absolutely. One of the things, ⁓ well, there's a couple things. We at Dental A Team keep scorecards for our clients and it could be as simple as adding that line in there and having the doctor put that dollar amount and having the budget calculate right there. Everybody can see it. They know what to spend. The other thing to that point Tiff is, You know, a lot of times we look at the practice management, we see our collections, but how many times do we reconcile it with our QuickBooks? Like, really look at that and see. And obviously, just like you said, it could be a matter of when something was posted or when it came in, right, to the bank account. But I think that's an area that sometimes is overlooked. You know, there can be variance in there, obviously, for when things post, but... what is that variance and how consistent are we having that variance? again, depending on which method you're using, if you're using the collections from your PMS or the collections that are posted in the P &L, we better be clear what that difference is and ⁓ account for it for sure. Right. The Dental A Team (14:25) Totally agree. And you actually reminded me just last week, I was in an office and I was like, what is happening here? I was going through their P and L and I'm like, okay, we've got, we've had some changes in the office. We've got some places that it was decreasing. Some places we spent more, some places we actively spent more on purpose. Like, but things just weren't adding up with what was coming through from the software. And I realized after an hour and a half of digging, I'm like, why is... I put a line items, I updated the scorecard and I put a line item for like QuickBooks collections and then the PMS collections. And in comparison, I had it subtract and like tell me the difference in numbers. And there were months that were coming up $30,000 different that it looked like we collected $30,000 more in their software than what QuickBooks was showing us. Luckily, I know this office manager very well personally, like familiarly. And I'm like, I know there's no conclusion to jump to here. Like something is not reporting correctly. And what I realized is they specifically use Dentrix. Dentrix will allocate any positive write-off or adjustment. if there's an adjustment that's adding money, it'll allocate it to production. If there's an adjustment that's removing money, it automatically adds it to collections. So when you pull up the adjustment space in Dentrix, it'll show all positive production, all negative collections. So it was showing drastic differences. And so I was like, gosh, I totally forgot about this space in Dentrix that it does this. It's just, I call them the Dentrix-isms. It's just a Dentrix thing. It's very frustrating, but it just is what it is. So when I went through, I reallocated where the write-offs should be coming from. Now, caveat, messes up. production collections for forever because it's now correcting it. So what you thought you had done, you didn't, and it fixes it. So the new numbers are more accurate, but you're going to be frustrated because it's different. But what it did when I did that and re-put in the collections numbers is that it brought that $30,000 difference down to a more manageable $1,200 to $3,000 difference, which is what we tend to see with the care credit fees and all those different credit card processing fees, we typically see, I say like 5,000 or less, I'm not going to freak out about too much as long as it's inconsistent. I don't want to see consistency. I want to see really low numbers. And then again, sometimes some of that money is going to be pushed over to the next month. So quarterly, it made sense. Quarterly, it was beautiful. Month by month, it was a little wonky, but just making that change because we were checking the financial health of the practice because things didn't feel like they were making sense. So we, the office manager and I pulled the full year's PNL and we did line item by line item comparison 2024 to 2025 percentage change on each space, went through and figured out where the spending was, went through and line itemed everything and then added it like you said to the scorecard to see those differences, massive. massive improvements where the docs were feeling like cashflow was like, ⁓ we were freaking out. And it was like, well, these are the areas where you intentionally spent money and were actually only a 16 % difference overall year to year. And they were like, ⁓ so we didn't increase enough, but their spending was purposeful for taxes. We just didn't look that way yet on paper. Regarding financial health of the practice, that was exactly what we did, but adding it, like you said, to the scorecard and looking at, I think the scorecard's just really cool because it allows you to see over time. Whereas a new sheet is I'm only dealing with today. So I'm only looking at today. I might look at it and say, oh my gosh, my employee percentage was 42%. That's real life, I've seen that in an office. It was 42 % this month, and you're like, cut hours. But over the quarter, it was, 30 % or 31%. We had a spike because we had a collections dip or whatever. So I think adding it where you're seeing that kind of comparison allows you to see what is the trend here or is this an abnormality? Does this level itself out? Am I on track for over time or do I need to jump and hot fire? And Kristy with that said, like, you think, as I'm saying that I'm thinking, Is that a space where we could even tame our emotions around finances? Because we're seeing so much data in a bigger spectrum where we can see trends, uptrends or downtrends, rather than this like, my gosh, payroll was so high, I've got to tackle that. It's allowing us to see a broader picture. Do you think that helps reduce some of the emotional, like just quick fixes? DAT Kristy (19:34) Absolutely. And we don't want to react, right? Many times we go to that mindset of cut, cut, cut. you, and you know, one of the things that I learned a long time ago is you can't focus on the opposite. So if we're focused on cutting, then we're not focused on producing, right? And so yeah, you're 100 % right, Tiff. I think it does calm the reactionary, right? It's good to know, notice, but then look at the bigger picture. The Dental A Team (19:48) Yeah. Mmm. Yeah, gorgeous. As I was talking like, my gosh, Kristy, that's why you do so well with coaching in my opinion, because you are very, very good at being data and results driven, acknowledging the emotional aspect and not discrediting that by any means, but being able to focus back to what the drivers are and then being able to acknowledge and address any emotions that are still present. But you do well removing that because we're looking at data and data is non-emotional. You can come up with something and there's been so many times where I could think of so many offhand where I've data-drivenly discussed something with a client and they're like, ⁓ and the emotion kind of disintegrates, it dissipates because it was attached to what they thought to be true. And when they saw the reality, there was no need for that emotion anymore. DAT Kristy (20:59) Exactly. Well, and to be honest with you, it goes both ways, right? It's the same thing as if we're only looking at the practice numbers, sometimes they think they're doing very well or not doing well, either one. And then once we look at the overhead numbers, it's like, actually, you're here, you know? So ⁓ it goes hand in hand both ways. I always like to say, you know, if I had a pizza business and I was going to sell pizzas, The Dental A Team (21:18) Yeah. Yeah. I love that. DAT Kristy (21:29) I need to break it down and figure out what it cost me to make the pizza, then I can go sell the pizza. But so many times we don't do that and we just put it out in front of us, right? And then on the back end of it, we do have to measure how many pizzas did we sell and how much did we actually spend. Sometimes we forget to go back and look at the cost too. The Dental A Team (21:34) Yup. Yeah, wow, that's a very good point. Very good point, which is where the P &Ls come in handy and the line items. And I think the P &Ls will group it and lump it into categories, but every now and again, maybe like once a quarter or so, really looking at what are they putting in those categories so that one, you're making sure they're still super accurate from the bookkeeper and two, that you're not like Amazon spending. There was a couple clients that I saw. DAT Kristy (21:56) Mm-hmm. The Dental A Team (22:19) I'm like, what is going on? Why is this category so jumpy? One month it's massive, another month it's not, and they get lumped into office supplies and front office supplies, and all of a sudden it's $3,000 when realistically budgeting-wise it should be $1,200. I'm like, what is in here? And they're like, Amazon goes in there. Every time we want something or Doc says something, we just press the order. And I was like, ⁓ Got it, we need some systems around Amazon or Walmart. I've seen like, I just run to Walmart and I grab what we need every week. And I'm like, my gosh, there's weekly ordering will hurt you every single time. Any kind of weekly ordering. If you can't budget the ordering in a monthly fashion or maybe twice a month, I'll give leniency on twice a month, then we need to talk. Cause that weekly ordering will hurt you every single time. I think this is all really good, Kristy. I love this. I love this. And I go ahead. DAT Kristy (23:16) Yeah. I was to say, I agree with you. mean, we can liken it to our own space if we go to the grocery store with a list or without a list. What is our end result when we pay? You know, so I'm with you. I'm with you. I'm like for dental supplies, we can go to twice a month, but have it fixed and then make sure you're staying within the confines of the budget. The Dental A Team (23:27) Yeah. Yes, yeah, that's actually brilliant. Yeah. Yeah, I agree. And I think that was that was a super great thought process there. Because if you're not planning even your dinners, right, I'll plan my dinners for the week. So then I know what ingredients I need and what ingredients if I know what ingredients I need for specific dinners, I know what I can reuse as well. Otherwise, I'm going to the grocery store just kind of getting random things that I think I can make into something. And I'm ending up at the grocery store a couple times a week to replenish or, you know, supply those missing pieces. And so if you know what your schedule is, if you know on average how many crowns you're doing, how many fillings you're doing, how many implants you're doing, you can have an average guesstimate of how much of each supply you need to keep on hand, which is then going into your budget for your ordering. So that was beautiful. Yeah, good job. All right, guys, financial health is massive. And it's something that I think all of us, Kristy, Trish, Monica, Dana, myself, we all just work really, really hard to ensure that it's top of mind for all of our clients. But if you're here listening and you're not yet a client of ours and you're a Dental A Team podcast listener for life, we love you and we wanna make sure you have this information too. please, by all means, somewhere around the 10th of the month, because we know it's probably gonna go longer, make sure you've got those panels in there. Talk to your bookkeeper. If you are the bookkeeper, I have a couple clients like that. Put it your calendar, you guys. If you are your own bookkeeper, that's fine. I'm not gonna judge you. I think it is a task that you can easily pay for, but I'm not here for that. If you are your bookkeeper, put it in your calendar and you should have that sucker done by like the fifth or the eighth of the month because everything should be closed out. Review your PNLs monthly and quarterly and yearly. Review your spending habits constantly. I have a lot of practices that'll look weekly. I have a lot of practices that'll look monthly, whichever works best for you. Just make sure you're reviewing those spending habits and then budget for your team. So your supplies ordering, your front office, those are the easiest places to budget. Make sure that you've got an ortho budget added in there. If you have ortho fees and ortho costs that are outside of like Invisalign, things like that. I have a lot of practices that do bracket style ortho and they need a lot of supplies that has to be separated out. Those are your pieces, you guys. Those are the easiest ways that you can tackle real life, real life, in time, financial health. And we want you to go do that. Kristy, thank you so much for your insight. You truly do so well with your clients and we get to see their progress constantly and those needles are always moving. And I know that it's because you can take that black and white results driven perspective. So thank you for everything you do for your clients and everything that you bring to Dental A Team every day. DAT Kristy (26:33) Thank you, it's fun. The Dental A Team (26:35) I know, I know, I love watching you do it. You really do love it. And it makes me really happy. All right, guys, that's a wrap for today. Go leave us a five star review. Let us know what was super helpful. Maybe there's some tips and tricks you've got that you can share with the world. I'm telling you, people really do go read those. So if you have things in there, they will see them. You can drop us an email, Hello@TheDentalATeam.com. We'll be happy to get you over any documents that might help. We do have some. budgeting information, we do have some overhead spreadsheets, things like that. If you need help with that, just reach out and we'll catch you next time on the Dental A Team podcast. Thanks guys!