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Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jasmine Hood Founder of Better Bodies Massage in Atlanta (originally from Greenville, South Carolina), joined Rushion McDonald on Money Making Conversations Masterclass to share her journey from CNA to licensed massage therapist, the realities of being a traveling service provider, and the wellness benefits of massage therapy. She discusses body alignment, stress, trauma release, the differences between massage modalities, alternative treatments like cupping, entrepreneurship during COVID‑19, safety considerations for mobile therapists, corporate/wellness partnerships, and her long‑term goal of building a scalable massage brand supported by contractors.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jasmine Hood Founder of Better Bodies Massage in Atlanta (originally from Greenville, South Carolina), joined Rushion McDonald on Money Making Conversations Masterclass to share her journey from CNA to licensed massage therapist, the realities of being a traveling service provider, and the wellness benefits of massage therapy. She discusses body alignment, stress, trauma release, the differences between massage modalities, alternative treatments like cupping, entrepreneurship during COVID‑19, safety considerations for mobile therapists, corporate/wellness partnerships, and her long‑term goal of building a scalable massage brand supported by contractors.
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
At Palmetto Dunes, the nights are quiet, but not always empty. Locals speak of the Blue Lady, a glowing figure seen near lagoons and along shadowy bike trails, often accompanied by an eerie chill. No one knows exactly who she was, but those who've encountered her say it's something they'll never forget.In this episode, we explore the mystery behind one of South Carolina's most chilling coastal legends, then head inland to Berkeley County, a region filled with haunted roads, lingering spirits, and stories tied to old plantations and churches.Plus, we'll read an eerie excerpt from Sherman Carmichael's Legends and Lore of South Carolina, featuring the haunted Carolina Country Store. Blue Lady https://nypost.com/2024/10/30/lifestyle/blue-lady-ghost-famously-haunts-this-island-destination-on-stormy-nights/Berkeley Hauntshttps://www.berkeleyobserver.com/2014/10/10/10-haunted-places-berkeley-county/Legends and Lore of South Carolina by Sherman Carmichael https://a.co/d/0d2CyAOL
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
The USC Triple-Double Podcast -- the Peristyle's basketball-focused podcast -- returns with Shotgun Spratling and India Otto previewing the opening weekend of the NCAA tournament where the No. 9-seed Women of Troy will face off against No. 8-seed Clemson with the winner likely to face regional top seed South Carolina. The podcasting duo open the show with a Triple-Double segment focused on wrapping up the 2025-26 season for Eric Musselman's USC men's basketball team. After the break, they look at the future both down the road and later this week. Shotgun and India break down the commitment of five-star post player Sara Okeke for the Women of Troy and discuss what she'll add to the super team Lindsay Gottlieb is compiling. They then look at the matchup with the Clemson Tigers in the opening round of the NCAA tournament as well as the potential rematch with the No. 1-seed Gamecocks. Shotgun and India are about to wrap up the show when news breaks as Bellflower (Calif.) St. John Bosco five-star Christian Collins commits to the USC men, giving the Trojans three McDonald's All-Americans in the 2026 recruiting class. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
North Carolina's March Madness run opens on Thursday night in Greenville, South Carolina as the Heels face the VCU Rams in the 6/11 game top open the evening session in Bon Secours Wellness Arena. North Carolina Governor Josh Stein joins the show to discuss the tournament but also share his views on the Dean Smith Center arena debate, the state of college basketball and college athletics in the NIL and transfer portal era. Stein, a product of Chapel Hill High School, offers his unique perspective on the transition from Carmichael Auditorium to the Smith Center in 1986 and the feelings and moods of the fanbase when that shift occurred. He also discusses the current landscape from the perspective of being the North Carolina Attorney General during the Tez Walker eligibility issue in 2023. Barnes and Ashley wrap the show discussing their own personal bracket picks with highlights on key games and potential upsets in the early rounds that start on Thursday and Friday. Each shares their Final Four picks and championship picks as well. **Call to Action:** **Subscribe:** Follow 'Inside Carolina' wherever you get your podcasts to never miss an episode! **Review:** Leave us a 5-star review on Apple Podcasts or Spotify to help us reach more Tar Heel fans! **Visit:** Explore http://www.InsideCarolina.com for breaking news, recruiting updates, and expert commentary on all things UNC sports.This show is brought to you by Inside Carolina, the No. 1 site for UNC sports coverage and community. Visit http://www.InsideCarolina.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Episode 604 of the Sports Media Podcast with Richard Deitsch features Talia Goodman, a national women's college basketball and recruiting reporter for On3 and Rivals, and Sabreena Merchant, a women's basketball writer for The Athletic and one of the co-hosts of "No Offseason: The Athletic Women's Basketball Show." In this podcast, Goodman and Merchant discuss women's basketball viewership and ESPN networks airing 20 women's college basketball games that delivered more than 500,000 viewers; what people in the sport are talking about on the ground; where the two reporters are assigned during the women's tournament; why the winner this year will come from UConn, UCLA, Texas or South Carolina; why UConn has been so dominant; the most dangerous teams on the No. 2 seed line; whether UCLA deserved to be the No. 1 overall seed; whether we would take Sarah Strong over Paige Beckers in all-class Draft; who the Toronto Tempo should be focused on with their first-ever WNBA Draft pick; our temperature on the WNBA's collective bargaining and more. You can subscribe to this podcast on Apple Podcasts, Spotify and more. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Re-releasing a DAT listener favorite! Chris Sands and Brent Saunier are on the podcast to talk about the hottest topics in the dental accounting world. Founding partners of Pro-Fi 20/20, these dental CPAs chat with Kiera about how to reduce overhead and expand the number of patients coming in, expense metrics from the hundreds of offices Pro-Fi works with, a tax rule you NEED to live by, what to stay away from financially with your business, and a ton more. Pro-Fi 20/20 is an accounting business that the Dental A-Team recommend. This episode is a goldmine of information from two fellows who know what they're talking about — especially with regard to the dental industry. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today we are bringing you something so special. I am so excited because this is one of our most popular episodes from the archives. Whether you're hearing this for the first time or catching it again, I am so excited because it's jam packed with a ton of takeaways that you can start using right now in your practice. We have released thousands, literally thousands of episodes. And I wanted to start bringing a few of these amazing episodes back for you. So I hope you enjoy. And as always, thanks for listening and I'll catch you next time. on the Dental A Team podcast. speaker-0 (00:31) today I wanted to bring on two special guests. These are actually CPA in the CPA world. Believe it or not, Dental A Team actually consults this company. So we definitely love them. They went a step above most CPA companies and they really wanted to get to know the ins and outs of the dental world. So I'm super jazzed to bring them on and to just have them dive into some of the hot topics in the accounting world. ⁓ two people that I trust and recommend heavily. ⁓ I They are one of my top three CPA firms that I refer and recommend constantly. So I'm excited to welcome Chris and Brent from Pro-Fi. How are you gentlemen today? speaker-1 (01:06) Awesome, Kiera. Thanks so much for having us. We're excited to be with you. speaker-0 (01:10) Yeah, absolutely. Brent, how are you doing today? speaker-2 (01:12) I am doing great. I appreciate the invite. I'm looking forward to this 30 minutes with you. speaker-0 (01:17) Yeah, absolutely. Well, who knows? We'll see how long this ends up going, guys. Brent, can't put a time on us. It could be dangerous zone. speaker-1 (01:24) You're lucky he said he's doing great because we're in the heat of extended tax season, so he's kind of in the trenches. Lucky he's in a good mood. speaker-0 (01:32) I know Tiffany has been trying to get back out to you guys to see you and Beth you heard this awesome rock star in the company She keeps saying like tiff. It's like extended tax time or it's this or it's that deadline I'm like, my gosh, you guys just have I think you're secretly adrenaline junkies of CPAs even though you don't come across that way But I think you love it cuz tax season I feel is just like adrenaline rush like trying to get to the deadline. I just can't imagine that stress like Every quarter every year you just hit it. So props to you guys. That's not my world but super jazz to have you guys on here. ⁓ so Chris let's dive in I know there's some things so we're gonna kind of hit on overhead we're gonna talk about some taxing some Some things to be aware of i'm just so excited because this is a world I don't know and I do purposely bring really really talented and educated cpas and financial advisors onto the podcast because I'm we have a three-fold approach in our company. It's focusing on Money and finances making sure your business is profitable you as a person and as an individual and then systems and teams top to bottom So I am big I think as a business owner. I wasn't profitable when I first started. I didn't know how to look at my numbers I didn't even know what the heck over influence. I was like googling how to figure it out So i'm just jazzing you guys are here. So Chris kind of take us away I know you had some great topics for today and i'm excited to just Rift a little bit with you, dive into these things, things that are really tangible for our practices now, especially where you guys work with hundreds of offices across the nation. Lots of good data to be pulling out for our practices listening. speaker-1 (03:04) Sure, well, ⁓ Kiera, I think that there's a lot of discussion around, does the DSO world seem to do a better job with overhead than the private practice world? I think a lot of private practice doctors are wondering that, they're frustrated or how do I get my overhead down? And a lot of times, I think when you focus on expenses, you tend to attract expenses. And in our world of accounting, I will often tell doctors that, ⁓ Accounting cannot make you money, it cannot generate revenue. The expenses part is the easy part for us that we can work on trying to reduce some things, but you either have a revenue problem or an expense problem. And in most cases it's actually, you creating enough revenue on your fixed expenses? And most of dentistry doesn't understand how simple that is to scale the dental business model when you look at it from a high level. You scale a business and reduce overhead with doctor production. Okay. And so that means you need enough patients to see the practice that I worked in from my experience was 40 to 60 new patients a month per doctor, per full-time doctor. And it means you need to be reinvesting enough into marketing. And I'll talk about that, that expense or reinvestment of marketing in a minute to get those new patients. And you need to be. monitoring the phones that get answered properly and there's conversion rate of those inbound calls to appointments scheduled. And then the real job is case acceptance. Okay, and so here I am in an accounting firm coming on your podcast and I bet you didn't think I was gonna like be talking about case acceptance. speaker-0 (04:46) was like, wonder we didn't talk about all your time. I'm just kidding. speaker-1 (04:49) So, know, dentistry is really the product that's being delivered. And if you're ethically diagnosing the need and creating the treatment plan, your job is to help the patient understand the urgency and necessity of fixing the problem and paying you to do that work. So your job isn't really the dentistry itself, it's case acceptance. And your first task is to become great at case acceptance yourself as a practicing clinician. But then the real task as the owner is to be able to teach other doctors to become good at it. So I think, you know, the only the only variable overhead that the dental business model has is paying doctors a percentage of the dental collections that they create. And then you have labs and you have supplies. associated with the dentistry that's delivered. those expenses are variable. They track with the amount of dentistry that gets done. Everything else is fixed overhead when you really think about it. Marketing is fixed and it only changes based on your choosing. Your team expenses are fixed and they only change when you hire or fire. Your rent and facility costs are fixed. Your equipment costs are fixed and only changed by your choosing. And the various required admin costs, they're all pretty much fixed. They only change by your choosing. So if you can create more doctor generated collections with the same team and fixed expenses, your profit margin goes up, your percentage overhead, your percentage overhead to collections ratio goes down. Okay. And so I guess we see most private practice or single, should certainly say single location, solo doctor practices. We see them failing at this because they choose not to reinvest enough. back into the business, into that marketing for new patients. They're not monitoring the phones. They're not training their team. They're not training their doctors on case acceptance. And they're too closely focused on just the clinical delivery of the dentistry. Don't get me wrong, that's required, but that's not what makes you successful or financially successful. So I can give you ⁓ some generic ranges for expenses, but the real thing is that You know, the real way to scale a business is to generate more revenue on the same overhead. That's kind of the definition. speaker-0 (07:20) And isn't that basically then probably the DSO model because they have lower fixed costs per se. They've figured out how to have centralized billing, centralized call center, centralized. So many things centralized that they don't need all these different things. So solo practices, if I'm understanding correctly, they've got all the costs associated, but they only have X number of revenue where when you start to add in those multiples of practices, That's where your fixed costs, it's going, yes, of course your fixed costs will increase a bit, but I mean, I do know our fixed costs did not go up that much more when I added our second practice to it because I already have my base of fixed costs there and then we're just able to add more revenue. Is that kind of what you're saying? Am I understanding? speaker-1 (08:01) Yeah, I mean, you know, that, part about centralizing is, know, when you, when you do have multiple locations, I would say three or more, then you can consolidate the amount of team that's working the front desk into one location. Instead of needing three to five team members at the front desk in every office, you may only need three to five team members for all three offices. You're having one of the best things by the way, as kind of an aside, one of the best things that private practices can do as they grow is to get those phones off the front desk. You know, let. speaker-0 (08:20) Right, right. I agree. speaker-1 (08:30) You know, like there needs to be, that needs to be in a totally separate admin space. But, ⁓ you know, I get asked that question a lot. Like my overhead is 65 % and how can I afford to hire another associate doctor and pay them 30 or 35 %? Well, you know, that doctor is going to create new collections. That's the point. It's not to give them your patients. It's to grow the number of patients coming in that, that you as one doctor maybe are stressed. and you hire the next doctor and you've got to continue to invest in the marketing to keep your job as the owner is keep the chairs full, right? As long as the chairs are full, if that associate doctor is ethically diagnosing like you are, if you guys have a ⁓ clinical standard of care in your practice, if you guys talk about how you treatment plan and your treatment planning the same way, that's all required. But here's the real test. You know, how do they connect with people? How do they, how do they, establish a relationship, establish trust and get them to move forward with that treatment. So I think dentists hate to use this word in dentistry, but the job is kind of sales. You know, if you believe in your product of dentistry to solve this need and like, again, if you diagnose decay and they don't get rid of it, you failed. I could go on a tangent on that, but the new doctor will bring new collections and you might have to hire at most, you know, an additional speaker-0 (09:46) Yeah. speaker-1 (09:55) Assistant or two and that would be a new fixed overhead. You would increase your fixed over it slightly But other than that the doctor covers all their costs with their their percentage pay the labs that are associated with it that the supplies are associated with it and You should net somewhere in the ballpark of 40 to 50 percent on the new collections they create and that that just adds to your profit Because all the other fixed overhead stays the same speaker-0 (10:19) So I think there's a few things on there of like, I just, think it's a matter of realizing a lot of people bring on associates though, because they're tired, they want more free time. They don't want to be working as much. And I think it's important to clarify that if that's your model, that's totally fine. Everybody knows on the deadline team, I am not somebody who judges. I think everybody has their own personal path. And so whatever jives with you and resonates with you. So if you're wanting to bring on an associate to have more free time, to not have to produce as much, fantastic, but realize that that overhead might not trickle down because now you're kind of replacing your cost with an associate that you're paying. And some doctors I know don't take as much pay as they would pay an associate per se, which to me, I think is a somewhat failed model. I'm really big on prepping and preparing for that associate, paying yourself as if you were an associate. So you know, these costs before you bring on an associate. ⁓ but I really think it's important to note that because like you're saying that overhead will go down as long as the doctors are producing. And as long you're able to bring on that other doctor and have them produce, cause they should cover themselves. I definitely agree with that. ⁓ also I'm sure people are saying, yeah, but Chris, like in order to bring on another associate, I'm going to have to build out ops. That's a huge cost and expense. So I am curious, what have you guys found in Brent? You might have some answers to this Chris, you might. ⁓ but if an office is having to say, build out two more ops. in their practice to be able to bring on an associate, how long does it usually take when you're doing build outs for that cost to be recouped and start being more profitable? Because oftentimes I do think that that gets into the problem with a lot of doctors is they're constantly building more to bring on these other doctors. So they're always adding more and more expenses. Like when do they ever break even? So what have you guys seen with build outs and different things like that of that break even point? How long should they plan for it to not be as profitable? speaker-1 (12:09) Okay, I'm gonna give you a lot of answers on this. So number one, we use a metric called revenue per chair. So, you know, every, you speaker-0 (12:17) What do recommend? What do you guys recommend per chair? speaker-1 (12:19) So yeah, everyone has a space and you have only a fixed number of spaces or operatories you can have in it. And there's only a fixed amount of time and days and hours and a number of doctors that you have. And revenue per chair capacity, we see a range between 25,000 to 40,000 per chair per month. And it does not matter when you do this. This is just, take collections and divide it by the number of chairs you have. ⁓ This does not matter how many chairs are for hygiene or how many chairs are for dentistry. That's your choice. Actually, you know, there are models where every chair can do everything and the patient never, but the 25 to 40,000 at 35,000 of revenue per chair, you're running fairly efficiently and you're going to need to be planning to expand. You're going to start to run out of space. So that's our metric first and foremost. And so if somebody tells us, well, speaker-0 (12:53) Sure. speaker-1 (13:09) I've got four chairs right now, but I have space for seven. I haven't built out the other three. I tell them, you don't need to build out the other three until you're approaching that $35,000 a month of revenue per chair. Question you asked, how much does it cost and when do you recoup that? So in my experience, typically it's around $25,000 per ⁓ operatory to equip it, assuming it's already plumbed. ⁓ after you just take that number and say, so let's say you were equipping a few operatories, so $50,000, you ⁓ essentially, your cost of the doctor plus the lab and supplies should max out at 50%. Okay, now they have to be producing. So until you get them, they've produced over $100,000. All right, let me do it per chair. They need to do over $50,000 per chair for you to get your costs back. After that, you're in the money. speaker-0 (14:09) which I think is also smart because I don't know. think dentists kind of err on two different sides. Sometimes they're too slow to actually build out. They are so cost conscious and so concerned about that build up, about the cost of the chair, about all the other things that they're missing, that that one chair is going to generate several thousands of dollars of revenue. I've had a few doctors where I'll say, sure, no problem. We'll do a deal. I will happily pay for that one chair and you pay me all. the revenue that comes through from that chair for the next three months. That's all I ask is three months. and I know I'm going to come out way ahead of you because it will generate and it will produce, especially in high producing practices. So I think so often people are just so scared to do those build-outs because they see the cost or they do the flip side where they believe like, if we build it, they will come and they're overly aggressive and they don't have necessarily the patient base or the doctors in play to be able to accommodate that. So I love, I need to agree. It's either cut costs or increase your revenue. Like that's really overhead. speaker-1 (15:12) One more way to think about it is, you know, if they have patients that are having to wait so many weeks or months to schedule out to come in. if you can calculate your collections divided by the number of patients seen for any given time, for year to date or for a full year, you can get your average revenue per patient. Okay. And if you know your average revenue per patient, you know how many either new patients or how many more patients you need to fill that chair to cover the cost. Okay. So if your average revenue per patient was, you know, $1,500 per patient, um, and the cost of that chair is 25,000, just take 25,000 divided by 1500. And that'll tell you how many patients have to be seen in that chair before you pay for that chair. Sure. You're to be in the money, you know, it's in terms of the construction. That's another basically upfront, one time fixed costs that you're going to cover. And then all the future revenue that it's going to generate. So. Maybe if you like, think before we end this topic on overhead, I'll give you kind some of our expense metric. ⁓ speaker-0 (16:18) Sure, yeah, absolutely. Well, hang on, before you go into expense metrics, I want to bring up one piece that I think often gets missed, because you're saying like we're in the money. But I also want to bring up something that I really love to point out, and that is return on emotion. Some people don't want to bring on an associate. Yes, like as a business model, you can be more financially successful with an associate. Yes, you can, having more chairs, more build out, more practices. ⁓ But I also want to point out there is a return on emotion. There are sometimes Bigger headaches, they're also sometimes less headaches with bigger organizations. I personally love to consult larger practices. The pettiness, the cattiness, the smaller drama is way less in larger practices or multiple locations. So like that drastically drops down. They figured it out. They're dialed into systems. But at the same time, I think it's important for people to assess that return on emotion. You might have a dreamy life. You might be doing exactly what you want and sure you could produce more. But if you're off work at say two or three o'clock every day and you work two or three days a week and you're shelling and seven fifty to a million in profit, not a bad lifestyle. So I think it's also important to assess like what you ultimately want and what your return on emotion is before just saying like, I'm going to build because this is the way to do it. I think if you're looking at your practices as a business model, which I personally think a lot of us should look at it that way, ⁓ just to see what you what you ultimately want, what's your end game. And that's also where I love financial advisors of Like what is your total term? Like where do you want to get? Does it make sense to grow? Does it make sense to stay where I'm at? ⁓ I think oftentimes we, we forget that return on emotion and how that is. We always think of like return on investment, but what does that return on emotion too? So just want to put a plug of like, I think everyone's on their own path, their own journey. Definitely agree. There are lots of ways that you can be insanely profitable and having multiple practices is a great, great, great business play. And you're able to help more practices. I'm all in favor. You're gonna have multiple locations. Make sure you're doing awesome dentistry because sure, it can be very lucrative. Just be ethical because I think that plays out long-term. So Chris, with that, what are some of the metrics you guys look at? Because I agree, I love to hear people's metrics. I think we're pretty closely aligned with you guys on metrics, which is another reason I really love working with you guys and your clients. speaker-1 (18:32) So I think if you ⁓ were to survey the Academy of dental CPAs and all of their, what you see them put out statistically, they're gonna tell you the metric of one to 2 % for marketing. When you go and you immerse yourself in the DSO world and their conferences and get to know what they're doing, you're gonna see more of an average of six to 8 % reinvestment into marketing. DSOs have a harder time with retention. They have more patients going out the back door. Private practices. degraded retention, but they don't often invite enough people to the party. So we don't go by the one to 2 % number. think that's an area where people try to, they're trying to keep costs down. You know, your business is the greatest asset that you own that provides the greatest return and you have the most control over. So you should be reinvesting in it more than you reinvest in the stock market or anything else. So our metric for marketing is three to 8%. Private practices, like to see at least three to five. I mean, excuse me, in GP practices, in specialty practices, especially like orthodontics, needs to be on the higher end. Team expenses between 20 to 30%. We certainly try to keep that under 30%. Team expense does not include doctors. Okay. So that's all of your, all of your, uh, your, your entire team, including a hygienist as well, but not doctors, uh, dental supplies somewhere five to nine, five to 10 % labs. speaker-0 (19:36) Yes, absolutely. speaker-1 (19:58) four to 7%. So again, those dental supplies and labs really should not be greater than roughly 15 % total. Rent and facilities, five to 9%. What does that mean? So if you have a high percentage in your rent and facility costs, if your rent facility is let's say nine, 10, 11%, that means you're probably not maximizing the space and getting the collections that is possible there. Again, using that revenue per chair metric. When you're on the lower end, if you have 4 to 5 % rent of facility, means you're running very efficiently. You're probably going to be running out of space and need to expand or potentially relocate or get another location. And then there's general administrative costs somewhere in the range of 4 to 10%, depending on the practice type and what additional folks they have. speaker-0 (20:48) Cool. speaker-1 (20:50) That's it on everything. speaker-0 (20:51) No, I love it so much because I think so often people don't look at their P &Ls and they don't even know what they should be targeting for. It's just like, well, do I have money left over or do I not? And then I don't know. like all of that combined should equal about 50 % there. Is that correct? Those are 50 % and then doctor pays 30 % to give a 20 % profit margin. And then you subtract debt services from that. that kind of your guys' model? That's what I've heard. It's what I typically recommend. speaker-1 (21:18) Roughly. mean, yeah. You know, I, the most ideal is that I think when the average doctor starts to work with us, their profit margin is in the twenties, the 20 % range. our goal is to get them into the forties. Okay. And everyone does chase this like 50 % number, but I will tell you that eventually if you have to scale again, if you have to reinvest, that's the part like you're, drive yourself nuts. Would you rather have, you know, 50 % of 1 million or do you rather have 40 % of 3 million? Right. You know, and that's that. So it's not always just about that overhead percentage. Uh, it is about if you choose to scale and you're, you're buying, you're reinvesting some of your, your overhead percentage, you're reinvesting some of your money to buy back your time. Like you said earlier, okay. Um, whether that's on multiple doctors or not, you know, being a slave to the chair is difficult and high risk to you as a business owner. It's one of the riskiest business models there is. speaker-0 (22:12) Right. I think that that's such a good point. But guys, you don't know, can, Pro-Fi is fantastic. You can reach out to them, have them help you with your PNLs. Also your current CPAs, you can get a chart of accounts and give them these percentages and say, this is where I want it to be. Help me get there, give me some information because a lot of CPAs are not dental specific and they might not know these industry standards. And I agree with you. I also think it's important to think of growth years and also profit years. Some years you are definitely massively. reinvesting into the practice and you might not be sitting at as high of an overhead, but you're doing it with the intent. Like when I bring on new team members, when you bring on new doctors, your overhead is going to go down. It should go down because you are investing and you're growing, but you need those people. This year on Dental A Team is a growth year. I am heavily bringing on new team members. My overhead is not as great as it has been in the past years. But if I, like you said, chase that X number of overhead and never invest in that growth, I can't get to the next level of where I wanna go. So I thought that was really, really helpful. Thank you for that, Chris. And I know now we wanna spin over to Brent. Brent's been hanging out silently over there of some tax things. And I do love that you guys ying and yang on practice metrics because that's what we're all about. And then the tax world that I'm like, here's the thing. Here's my take on taxes. I am so grateful to live in a country where I get to pay taxes to have my own business. Like I truly think that is a massive blessing of the country we live in. With that said, I also think it's my responsibility as a business owner to be as savvy as I can on taxes and not overpay on taxes because I'm just dumb and I'm not actually looking at strategy using smart people beyond myself to do it. So Brent, I'm so jazzed. Talk to us kind of about some tax things that you've been thinking of that your clients are dealing with. speaker-2 (24:00) Yeah, absolutely. So I remember a few early evening calls with you and you're calling and saying help. speaker-0 (24:06) It was in December last year, like literally right before the end of the year. And I was like, Brent, I owe so much dang money in taxes. Any ideas? It's fine, guys. It's fine. speaker-2 (24:19) One of the foundations of Pro-Fi that we built it on is education. So we are very big believers in educating our clients to understand, first and foremost, how do you even generate taxes? So the number of conversations we have with dentists that just don't have a basic understanding is really astounding to me. So we first take an approach of, you have to understand how do you generate income tax? You generate income tax by the salary or W-2 you take. and profit. The key thing here is it does not matter if you take a dollar of that profit out of the business, you still owe tax on the profit. So here, when you're looking at your P &L, let's say a doctor has a half a million dollars of profit and they choose not to take it home and leave it in the business, they will still pay tax on half a million dollars. I had a call today, the exact conversation is like, why didn't take any of the money home? speaker-0 (25:18) It doesn't matter. were profitable brother, sister, like rock on. Happy day for you. speaker-2 (25:23) You know, as Chris was alluding to, if you choose to reinvest in the practice, do marketing or other items like that that are deductible, that will obviously reduce your burden. The second thing, the second biggest mistake is don't underestimate your effective tax rate. So Chris and I have, we call it, I guess the golden rule or the 40 % tax rule. And that is geared towards over-preparing a business owner when it comes time to send in those quarterly estimates. And I'll come back to that one in a minute, but the 40 % tax rule, if you have a pen, I would write that down because that is a rule to live by. And also ask your CPA advisor, whoever they are, whether it's us or your other another CPA, ask them before you make the decisions. So I got a call yesterday from a doctor in South Carolina. He's like, hey, I want to buy a machine that's going to cost me $85,000. My equipment rep said I'd get a 40 % tax deduction. Just about that much. speaker-0 (26:23) That was a clever salesperson. speaker-2 (26:26) Yeah, they all do it. We love equipping reps. No badging equipment reps. But understanding, depending upon your entity type, whether or not you will be able to deduct that in the current year is a huge thing that you have to understand. Chris and I have seen so many doctors over the years that have come to us after the fact. And I think we've done a great job of educating, hey, I bought this equipment, it's $100,000. When we do the tax return, it's like, you're not involved deducted. They're like, why not? The equipment reps that I could. So just make call your advisor before you do it. That's the best thing you can do for yourself. speaker-0 (27:02) Well, and I, to that point, I just say like, you should have experts on your board as a business owner, people that you genuinely trust for taxes. And like you said, ask them, ask your rep about the best products and what they're seeing of results within the patient's mouth. Cause that's where they're experts. But I'm just going to put a massive plug, like, gosh, the number of dollars I have spent personally, because I didn't ask, If we can save anybody even a couple of grand, like you're welcome. You're welcome. Just ask, ask before you do it. speaker-2 (27:36) Right, absolutely. Then I kind of look at what are some things that you can do to make sure you're not blindsided by that tax surprise? ⁓ One thing we do is we always recommend in your business, you have to run multiple bank accounts. And one of those bank accounts is a tax savings account. Your business should fund and pay for your personal tax bill. So think about like ⁓ grandmother's cash envelope system. create different buckets in the business, move the money out of your OpEx account because, know, like for me, if I have 20 bucks, $20 in cash in my pocket, I'm going to spend it. But if I put it away in the bucket where it's intended, it'll be there when I need it. speaker-1 (28:18) My bucket, right? speaker-0 (28:19) Yes, you can just send them my way this year Chris. It's fine Brent. It's fine I'll take him but Brent I want to speak so highly to that because ⁓ It really does help. I will also put a plug of like have really good financial planners and tax planners with you because I am actually really really good at saving money for taxes What I really get frustrated with is when it comes to December and I have been saving and I have been putting that away ⁓ And then they're like, Kiera, you owe an extra X amount. And I'm like, what the heck? I've even saved this. So that's where I also think it's really pro to have really good CPAs that are that actually no tax. So I am curious. You guys tell me the truth, because I don't know how this works. I'm not a CPA, but I swear every year I get a call December 1st and it's like almost a double what I've already saved for the whole year. And I'm a saver. Like I don't spend a dime in my business. speaker-1 (29:14) call you get all year long, Kiera. speaker-0 (29:16) It's not well, I have a monthly call with them and we even plan for taxes, but this year my quarterly taxes It's okay guys. I'm interviewing new cpas. It's okay. my cpn doesn't listen to the podcast I don't think if so, it's great. We've had a good run for several years But like that's where I get a surprise. Is it common? Should you be getting a surprise call on december 1st? If you've got good tax people, and you've been planning and preparing and putting money aside all year long is that speaker-1 (29:41) As you answer this question for her and I would go over safe harbor estimates, but Kiera to set you up for what Brent's going to say. What happens is somebody tells you a number and you kind of start to operate like a zombie and you're like, okay, I put that number away, put it away and you did it. And you're like, okay, I put the number where you told me, but at the same time you're trying to grow your business. speaker-0 (30:06) To that point though Chris I'm gonna like back on this because I think I'm actually a really smart business owner But every freaking year this happens. I'm trying to fix this and hopefully someone speaker-1 (30:15) I think it has to do with your growth. speaker-0 (30:18) I overestimated what my growth would be this year. So I said I was going to be double what I was last year and we're coming in at about a 70 % growth of what I was last year. So I gave my CPA a 30 % extra window to project on me and we're still coming up a hundred, I'll say a different number, but I'm coming up more than I had saved. almost three times as much as they had saved for me. cause I get burned every single year. So I'm like a squirrel with nuts and I put away for tax savings in my company because I never know what I'm going to owe. And it scares me. So with that said, I agree with growth. If you can, if you can project where you're going to go and you're having consistent quarterly meetings with your CPA, is it common to still have a massive like uptick in December? I would ask. speaker-1 (31:04) No, it's not. So look, to keep it simple, like, you know, I'm kind of talking on the managerial accounting side of things and Brent's talking on the tax side of things. If you're meeting with that accountant and you look at that bottom line profit, okay, you owe 40 % of that profit, whether you took it home or not. And then if you made any estimated tax payments, you can subtract those tax payments from that 40%. Okay. ⁓ And then you can apply some deductions and maybe bring the number down. speaker-0 (31:24) Agreed. I'm asking for a friend hashtag myself right now I mean I get better every year around taxes because I hate the surprise and I think most people do but I also wanted to point out I'm like I think I'm pretty savvy with business I talked to a ton of CPAs like this isn't like my first day running a business So and I'm happy to hear and with that 40 % So here's another thing that I've also which maybe I'm just dumb Maybe I'm just coming around the block to this so you guys can tell me ⁓ but it's 40 % of the profit correct like And that profit also includes my W-2 as a business owner. So I've got to like... speaker-1 (32:10) That profit is after your W-2. Hopefully your W-2, you have normal withholdings. Sure. you're like zero or one, you can kind of pretty much say, hopefully the federal and state taxes are all withheld from that for you. Right. have to worry about it. Okay. It's the profit that's left over after your W-2 and all the other expenses of the business you have 40 % on. So Brent, tell her about what happens at the beginning of the year. When we talk, they those first estimates. think everybody starts to like, they get glued to the estimates and they never update them. speaker-2 (32:41) Yeah, so a couple things. So, Kiera, speaker-0 (32:45) Call you in December, Brent. We're going to have this conversation in year two. speaker-2 (32:49) Maybe we should start in January for next. speaker-0 (32:51) I like that strategy is much better. I'm like I've even I started my tax meetings in July this year guys Like this is how much I'm paranoid and I'm like they're just shelling a ton on me again And I'm like how does it happen every year? I don't I don't understand so speaker-2 (33:05) Here's a trend I noticed over the last four years. you know, there was in 2017, there was the Tax Cuts and Jobs Act, which changed the tax code. also changed. There's also been changes to the payroll tax tables. So I would take UW2, look at your federal tax withheld and divide that by your taxable wages in box one. More than likely, it's going to be in the 10 to 12 % range. If you were in the 40 % tax bracket, you're already 30 % short on your taxes. Let's say you pay yourself $100,000. If you're 30 % short, that's a five digit dollar. So that's where I'd first start. And that is very, very, very common. You will not see any withholding in a W-2 being over 25 % unless you manually requested that from the payroll company. speaker-0 (33:39) Right. speaker-2 (34:01) bonuses or automatically taxed at 25%, but your regular payroll is probably in the 10 to 12 % range. So that's one reason it's happened. What Crystal's talking about, so let's say that we prepare your return in April. So let's say your 2020 return and every accountant will do what's called a safe harbor tax estimate, which basically says your estimates will be 110 % of your prior year tax. speaker-1 (34:30) The IRS wants you to put 10 % more than last year away, like pay them in advance. They like you to do it quarterly because collecting money once a year is a bad business model. speaker-0 (34:40) And it's a bad business model. speaker-2 (34:42) So like Chris said, when a client gets those estimates, and let's say they're $25,000 a quarter, they are fixed on $25,000 a quarter. So what we do is with all of our clients in June and early July, we actually run tax projections or mock tax returns the upcoming year. We pull their year to date profit, we get all their deductions and we project out if that original safe harbor estimate has changed. Then we do it again in November and early December to make sure that you're still on track and also looking for additional ⁓ tax strategies. But to answer your question from earlier, should you be surprised with a big number? No, not if you're doing proper planning. speaker-0 (35:30) with like a little variance, but I just want to point that out because I think so many business owners get scared of taxes and this year, don't worry guys, it's on my vision board by the age of 36. I will be a tax expert. I look at it every single night. I have no desire to be a CPA, but I really think it's important as business owners to educate yourself on taxes and like you said to plan and to save for it because otherwise it's just this always surprise bill that creates stress. For me as a business owner, I know often I just feel like I don't dare spend money because I'm gonna get hit with this big unknown. And so I'm like this girl, I literally have four tax savings accounts in my business right now. And they're in like four different business accounts, so my CPA can't see them all. Because I'm like, you come to me every year with this huge surprise and every year it's like double what I thought you were gonna say. And like I'm grateful to be very successful in what we do. However, I don't think business owners should be surprised, especially if you have a good CPA. So I just wanted to like find out like, that normal? I feel like I'm on the anomaly, but good to know on that. speaker-1 (36:33) Tax surprises cause cash flow problems. speaker-2 (36:39) So Kiera, let me quantify that one of speaker-0 (36:41) Guys, don't worry. Everyone on the podcast, this is a Cura therapy session. You're welcome to be attending this. So we're glad. speaker-2 (36:48) So can there be a tax surprise? Yes. The reason the tax price might happen is if you told your CPA, hey, I'm going to be doing these improvements and they're going to be done by December 31st. If in December you tell them, well, it didn't work out and I'm not going to have all these expenses. And yes, you're going to, you're going to get a surprise because you didn't, your plan didn't follow through. The other thing is talking about the separate tax account in the business. It's, speaker-0 (37:12) That's fair. speaker-2 (37:18) Absolutely recommended, but the most important part is you cannot spend it on anything but your tax bill. You cannot not rob Peter to pay Paul. That is probably the biggest mistake you could make is saying, well, I'll take it now. I have eight months to put it back in. speaker-0 (37:34) That's like that makes my heart stop. I feel so stressed for people and also for anyone who wants to know like you I wish you could see the zoom right now with me Brent and Chris You know these guys love what we're talking about because Brent is literally getting like so excited and so animated talking about this So that's just when you know people are good at what they do I get so geek I'll geek out on dentistry and systems and like how we can help you and they're jazzing about some some tax benefits here So I agree. I think that if you aren't doing that, I also like the thought of 40 % Do you guys recommend, because I know another piece to it, which I realized this year was like charitable contributions. I'm LDS. And so having charitable contributions, 10 % is something that I was like, that was funny. We didn't prepare for that. So that's like another check that I wasn't planning. And then also like SEP and 401ks. Do you guys have anything that you recommend for that of having a tax savings fund, but also building up those other funds and those payments that you'll be making to reduce your tax bill? Yes. but those are also pretty big expenses, depending upon how your business does every year. How do you guys manage or navigate that? Or should I just be saving more? Because again, I'm like building these funds up to this, I've got four accounts, because I stress out about it. speaker-2 (38:44) So Chris, I'm gonna let you take that one on the cashflow. It's really cashflow planning. speaker-1 (38:48) Yeah, a lot of questions in there. speaker-0 (38:50) Cool, like I said, this is why I podcast guys, because I can ask my own personal questions. speaker-1 (38:57) In terms of okay, should you be doing okay. what do you want me to start a chair charitable chair? speaker-0 (39:03) Just like I think that a lot of people might get quote-unquote surprised at the end of the year because not only do we have a tax bill to pay, we have charitable contributions that we're paying. We also have 7401Ks. Like there are quite a few other funds that need to be paid out again to reduce our tax bills to help us. But those are also cashflow that you need to have on hand as a business owner to be able to front that money. So I've been also thinking that could be why other people feel like it's a surprise at the end of the year, just all lumped into taxes when it is just other pieces to help reduce that tax bill for you. speaker-1 (39:33) if something is important to you, then it needs a separate bank account. if charitable giving is important to you, I think you should have a separate bank account so you can visually see that you've got it ready to pay. And in order to make it tax deductible, it does need to be a 501C3. can't just be any random, say, it's... Right? So ⁓ when it comes to all of the retirement accounts, mean, ⁓ 401Ks and IRAs and simple IRAs and all of that, speaker-0 (39:51) about last year. speaker-1 (40:02) Roth, that's like the smallest fraction. That's like the, you know, the entry level league of the tax code in terms of savings. And it's, it's really kind of the stuff that the masses can do. I certainly think it's important to save and save for retirement. think when you're a business owner and let me say this, mean, upfront, I'm a contrarian. I think when you're a business owner, you have to be a contrarian and know that not everything applies to you the same way as everyone else. Sure. I, my bias is I have a much. stronger tendency to say, you know, spend the money in your business or put the, I should say, invest, reinvest the money in your business for growth, because it's going, there's an asset value to that, to that business. need to learn what that is and what you one day can exit it for. And it creates, gives you the most, you know, income. ⁓ If you put money into a 401k or you put money into marketing in your business, you get the same tax deduction. So that's a question. If you're looking for like year end stuff, you know, You could put the money into the, into the retirement plan, or you could prepay some expenses for next year. ⁓ You lot of people, think don't trust their business, which is weird because it's the thing you have the most control over, but they don't trust their own business. Typically it's cause they're not really great at managing their own cashflow and having discipline. And so they're, they're hesitant to invest the money in the business. And they'd rather go roll the dice and put it in the stock market. And at the time of this podcast recording, let me tell you. We are in a recession. It has already begun. Everything is very high. Stock market's high. Real estate is high. Your business is one of the safest places to put your money right now. It provides you an inflation hedge, okay? And it creates revenue. ⁓ And it's tax deductions. I'm a big believer in putting the money into your business or getting another business. I think Brent can talk about, know, people ask us like, what are some of the largest speaker-0 (41:47) Right. speaker-1 (41:56) deductions you can play in. Like what, are the bigger things you can do outside of a 401k? Tax deductions. Generally speaking, the tax code rewards you for doing things that improve our economy. And that's primarily investing in businesses, you know, adding another location, employing people and commercial real estate, commercial real estate is a big one. Again, commercial real estate's really high right now. It may not be the perfect time to be buying or building. Cause all of the costs are really high. save that cash, even if you have to pay some taxes, save the cash for liquidity for the tough times. when this recession happens, most practice owners are going to stop investing in their business, they're to stop marketing. And you got to do the opposite. That is the time where you can do all of that at its lowest cost. that's when millionaires are really made is during recession. So I'm going on a tangent now. You got me passionate speaker-0 (42:50) No, I like it. I like hearing it because I like thinking of other things. think so often you said it really well of business owners want to contract. They want to not reinvest in themselves. It's like, well, like let's put it in the stock market because that's what I heard that we should do. But I really do love that mindset. And that's why I love podcasting. That's why I love talking to different people. This is why I bring you guys on here because I purposely, intentionally bring different ways of thinking out there. You've got to make your own decisions. But I'm a big like when people are zigging, I want to zag. So right now real estate's hot. Commercial's hot. The stock market's hot. Like I literally am sitting here just thinking like, here, just sit on some cash. Like, like you said, I might have to pay more taxes on it, but sit on that cash because you know, it's going to drop. And during that time, that's when you do the exact opposite of what everyone else is doing. So I really love that advice. And I think it's wise and it's prudent. I also love what you said, Brent, of having the 40%. A lot of people say do 30%, but agreed a lot of dentists do tip into that 40 % tax bracket. And I would much rather over prepare than under prepare. Chris, to your point, I really love also having the buckets for like we said, charitable contributions, if you're going to do ⁓ 401ks, but I really, agree with you too. I think reinvest in your business. Look to see, I do end of year spending. I look to see what I could reinvest in, what things are gonna propel us the most. I look at marketing, I look at website rebuilds, I look at. Different softwares that are going to propel us forward different ways to make our our practice more efficient What things are really going to invest in our company and our team? To make it and then I just do fun things like, know trips places I definitely don't get much ROI on that except for emotional ROI, but I know I know this is a longer podcast guys I really hope and I also hope team members listening realize that this is not just for business owners. I think that this is also Individual tax prepping make sure you are preparing look for ways that you can reinvest in yourself What things could you prepare for what things can you build out? Do you have separate savings accounts for different things that you're going to maybe you don't have to save for taxes But guess what maybe one day you will be a business owner So teach yourself the discipline to save now to look for reinvestment. I also think is super valuable. So I want speaker-1 (45:05) team members, for those team members, what side hustle can you create? What side of business can you create? know, and what, what commercial or what even residential property, rental property could you create to give yourself rental income? And there are deductions that come along with that. But if all you do is just do your day to day job, whether you own a business or don't own a business, you're not going to save anything in taxes, nothing significant. got it. You got to create some value in the world out there. speaker-0 (45:29) Agreed. say deliver the biggest and best value. So you guys teased me. So I want to wrap up our podcast with some things to not be doing. You guys have kind of like a hit list right now of some things, some tips that a lot of us might be doing that are cracking down. I know I have been privy to some of these things as well. So take us away. We'll wrap this up with just some, some of that hit list of what not to do. ⁓ and you know, as we get in there, thank you guys for sharing all that you have. Thank you for doing a personal session with me already. So I'm excited for the hit list now. speaker-2 (46:01) So I would say the biggest one that I've seen is the fascination that doctors have with crypto. speaker-1 (46:01) Go ahead, Brent. speaker-0 (46:12) Brent, it's because we're bored. We don't know what else to do with ourselves, so we're like, why not throw a little into crypto? speaker-2 (46:17) Here's the problem. So I have about a half a dozen doctors over last six months. They called me and said, Hey, I put $200,000 into the crypto market, Bitcoin. And I'm like, really? Where did you, where did you write the check from for that investment from the practice? Here's the problem. If that practice is an S corporation and they invest that money in crypto and they hit it big, they could potentially blow up their IRS S corp election. and the IRS will take it away from you. So if you're gonna do investments, do not write the check from your practice. You can take the money home as a distribution, then put it into crypto, but do not do it through your business. speaker-0 (47:01) This is a moment where I just had like a, I'm like, good. I'm glad I did that at least right. even knowing. Why is that? speaker-1 (47:03) Sorry. So that one, I mean, that one can cause some serious damage. ⁓ But the other ones that I think nobody wants to hear when they're listening to this, and I get in all these battles on social media, Facebook groups and all that. But the two things that come up over and over and over again that everybody's kind of cheating on and they're going to get busted on is number one, paying employees and especially dentists and hygienists, paying them as 1099 contractors. This is going to get you in trouble not only with the IRS, but with the Department of Labor. And there are some significant penalties. There is a black and white 20 question checklist that the IRS provides. You can Google that. You can find it directly on the IRS website. And it goes through a checklist of yes or no questions to determine if you qualify to be a 1099 independent contractor or if you fit the requirements of a W-2. And to simplify it, The main thing is the element of control who controls the schedule, who tells you which patients you're seeing and when who's providing all the materials and the tools and equipment. And 99 % of the time, anyone in dentistry falls under the category of an employee. Pretty much have to be a specialist that owns their own separate practice already coming in part time in order for you to 10 99 them. And if you're 10 99ing them, you're 10 and you have to do it to their business. The other thing that doesn't work is when, you know, they're like, Oh, I'm an individual doctor. I'll just set up an S corp and you can 1099 my escort. The IRS is not stupid. Again, they're they're looking at what are your what is your role within that that place that you're receiving the income from the revenue from. So anyway, everybody hates that. But I'm telling you, I speaker-0 (48:58) I don't think it's a, it's not a good place to play with fire. Um, I have a really, really, really awesome unemployment lawyer, um, and employment lawyer. He represents Uber Lyft Red Bull. He's in, um, San Francisco. If you guys need him, he's amazing. Reach out to us. Hello@TheDentalATeam.com. Um, but he told me he said, Kiera Uber and Lyft, which I personally think I'm no lawyer guys. I'm not there. Uber and Lyft to me are the epitome of 10 99 contractors. but they are, ⁓ they're coming down, they're cracking down on it. And ⁓ I have heard that it is no longer just a small offense. It's a pretty big offense if you misclassify. To me, really, I'm a risky person, but I believe in being smart and also paying people the way they should be paid. As much as it's not fun, we transitioned our whole company and I just think play that one safe because labor laws are not something to ever mess with, in my opinion. speaker-1 (49:51) Yep. And you know, the government has shelled out a lot of money through this pandemic and they've got to collect it and get it back. And they're going to get that back from small business owners. And, ⁓ you know, our, our dependent care systems of Medicare and social security are very fragile right now. And that's the one thing they do not want you to screw with. And so they collect that money through W2 payroll. They're going to, they're going to force more and more than everybody's W2, especially in the occupation of dentistry. Second thing is the cars. Okay. Everybody wants to run their cars through the business. You might be allowed to run a car through your business. It depends on what type of business you're in. If you're in real estate and you're showing houses and you're driving your clients around, you can probably write your car off through your business. But in dentistry, you're going to sit across the table from an auditor and they're going to say, what does a car have to do with the business of dentistry? The IRS tax code says that your business expenses must be ordinary and necessary to the business for them to be deductible. What does the car have to do with the business of dentistry? How is a vehicle ⁓ justified as 100 % business use as a necessary use in order to do dentistry? speaker-0 (51:00) What if it's a wrapped vehicle that's marketing? speaker-1 (51:03) That's different. there are very specific guidelines in the IRS tax code about what is marketing for a vehicle. must be fully wrapped. It can't just be magnets. It can't just be stickers. But it has to be significant that's used for marketing. What we find is not a lot of doctors want to wrap their test up. speaker-0 (51:23) Because they're ticked off with the patient that Ruekinaal didn't go super well and they're cutting people off on their drive home and you don't really want your flashy business to be that car. speaker-1 (51:31) Right. I mean, and to make it legitimate, mean, the car has to be legally registered in the business name. It has to be covered under business insurance, not your personal insurance. The loan has to be under the business name, not your personal name. And there's a, you know, most people are not doing that. They're doing, they're buying it personally. They're just making the payment out of their, out of their business. And they think that they can deduct the whole thing. And this is not true. There's even greater scrutiny if the business tries to buy, if the dental business tries to buy a vehicle. and depreciate it, take it as 100 % use. So I know people hate to hear that, but I would just caution everyone listening, stay away from 1099 and cars in your business. But everyone's. speaker-2 (52:12) doing it! speaker-0 (52:13) I heard a really great quote one day and they said Kiera everything's deductible until you get audited and I was like That's really good advice. I appreciate that. So guys, ⁓ Chris and Brent. Thank you guys for coming on the podcast Thank you for being people that I can call Brent. Thank you for being my December, you know midnight hour friend I loved last year. You said care. There's really not much we can do. Maybe we should have done this in January. So ⁓ But truly, I just appreciate you guys helping so many doctors. know you help a lot of our clients. Shout out to those clients that we mutually work together. I love working with CPA companies. I think we're a good peanut butter and jelly together. We help grow the practice, make them more profitable. You guys make sure that their books are in line. Give us the guiding stars of what levers to turn to help the practices. You take care of the taxes. So it's a really good yin and yang and I hope all of you listening today found a lot of value. Team members, look at this for yourselves. Get the side hustle. I hope this spurred some, some topics, some conversation. Team members, can also help your practices reduce that tax bill. look for ways that you can spend end of year, just different things. So I definitely think team members have a lot of play in this as well. So Chris and Brent, thank you guys so much. It's super fun. If people want to connect with you, ⁓ maybe they're done with their CPA. Maybe they just want to find out if. There might be another option out there. How can they connect with you? I know you guys specialize in DSOs, larger group practices, but also the solo practices as well. How can people connect if they're interested? speaker-1 (53:40) Sure, so check us out online at our website, Profi2020.com. That's P-R-O-F-I-2-0-2-0.com. ⁓ speaker-0 (53:47) You did that because 2020 was such a great year that you guys want to remember. ⁓ speaker-1 (53:53) That marketing plan went out the window. It was 20-20 clarity to give you clarity on your finance. speaker-0 (53:54) No. I just thought I'd throw it out there. So no one will forget Pro-Fi 2020. 2020 was most memorable year guys. Don't forget it. They don't want to forget it ever. speaker-1 (54:07) We have tons of free videos, a lot of great content on there. Check us out on our YouTube channel, all social media, know, at Profi2020. We're very easy to find. ⁓ But we're managerial accountants. It's way different than financial accountants out there. Make sure you look up that difference and know what you're asking for. ⁓ And we always do free consultations for anyone who would like it. speaker-0 (54:29) Awesome. Well, Chris and Brent, thank you again so much, guys. Go check them out, Profi2020. Chris and Brent, they are the owners of the organization. So super grateful for you guys coming on here. Kiera Dent (54:38) I hope you all loved today's episode as much as I did. It is crazy to think that this many episodes have been released since we started the Dental A Team Podcast. And I started looking to say, my goodness, our listeners need to be reminded of some of the things they may have learned a year ago or two years ago or five years ago, because so many things in our practices weren't relevant back then when we heard them, but they are relevant today. And I would be doing you a huge disservice if I didn't re-release some of these episodes for you to remember, to refine. to optimize and really truly if you ever need a topic or you're like, my gosh, I wonder if the Dental A Team has anything like this, go onto our website, TheDentalATeam.com, click on our podcast tab and you can literally search any topic. So whether it's overhead or hiring or firing or team morale or engagement or case acceptance or hygiene onboarding or whatever it is, we have so many episodes for you. And so I am going to intentionally be re-releasing some of the top best episodes for you, pulling back some of the ones that I needed to remember, some of the things that I feel for you to really, really relearn right now and to re-remember, or if it's the first time, welcome. I'm so happy you're listening to it, but I hope you truly enjoyed today's episode. I hope that you share this with somebody. I hope that you go and implement today because we only have one day. We only get today. And so making today the best that it possibly can be. If we can help you in any way, shape or form, reach out Hello@TheDentalATeam.com. And as always, thanks for listening and we'll catch you next time on the Dental A Team Podcast.
This bonus episode of The Dad Verb Podcast features Adam and his 10-year-old daughter Isla from WYZLY. WYZLY is a screen time app that turns kids' device time into a learning opportunity — instead of hard cutoffs, kids answer educational questions to earn more screen time. Isla is the co-founder and president of the company, and she joins us to share her side of the story.
The Gator Diamond Pod is back as Adrian Perez is joined by Neil Shulman to break down a huge week for Florida baseball.The episode begins with instant reaction to Florida's midweek game against Stetson, as Adrian and Neil discuss the key moments, pitching performances, and early takeaways from the matchup.From there, the focus shifts to the weekend as Florida opens SEC play with a sweep of South Carolina, a statement start to conference action. The guys walk through the biggest moments from the series, the standouts on the mound and at the plate, and what the sweep says about the Gators as SEC competition begins.Finally, Adrian and Neil look ahead as Florida hits the road to face Alabama, previewing the upcoming series, potential pitching matchups, and what Florida must do to keep its momentum rolling in conference play.It's a full recap and preview episode as the Gators start SEC play in dominant fashion and prepare for their next challenge.
In this inspiring episode 114 of Going Forward, host Eric Elliott sits down with Amber Hall, Founder and Managing Attorney of Amber Hall Law, to explore what it really takes to build something from nothing and stand out in a competitive industry.From her roots as a Division I athlete to launching her firm with little more than a laptop and determination, Amber shares how mindset became her greatest advantage. She opens up about the realities of starting from the ground up, overcoming doubt, and learning that success begins with belief before strategy.Together, they dive into the intersection of law, business, and personal branding, unpacking how authenticity can outperform even the biggest marketing budgets. Amber also shares how her identity, discipline, and commitment to serving others have shaped a brand that connects deeply with clients and continues to grow.Topics include: building a law firm from scratch; the mindset required to win in business and life; how authenticity drives modern marketing; lessons from athletics that translate to entrepreneurship; empowering others through leadership and example; and why believing in yourself is the ultimate competitive edge.This episode is a powerful reminder that you don't need unlimited resources to succeed; you need clarity, conviction, and the courage to show up as yourself.Connect w/ Eric Elliott:Website: https://ericelliott.com/Facebook: https://www.facebook.com/ericelliottspeakerLinkedIn: https://www.linkedin.com/in/iamericelliott/Instagram: https://www.instagram.com/ericmelliott/Twitter: https://twitter.com/EricMElliottTiktok: https://www.tiktok.com/@ericmelliottEmail: Eric@EricElliott.comText: 843-279-5843Connect w/ Amber Hall:Website: https://www.amberhalllaw.com/LinkedIn: https://www.linkedin.com/in/ambernhall/Facebook: https://www.facebook.com/AmberHallLawInstagram: https://www.instagram.com/attorneyamberhall/Supercharge your online advertising campaigns with Optmyzr! Streamline management, optimize performance, and boost your ROI. Visit https://hs.optmyzr.com/hs/vip to discover how Optmyzr can revolutionize your digital marketing.Also, as a special treat for our listeners, sign up with the code GOINGFORWARD20 and enjoy an exclusive 20% discount on your first year with Trainual! Seize this opportunity to supercharge your operations and propel your business forward!Eric Elliott is the founder of VIP Marketing and Craft Creative, two agencies dedicated to helping law firms build stronger brands and sustainable growth strategies. With a background in radio, television, and digital media, Elliott works with legal organizations across the country to align marketing strategy, creative storytelling, and operational systems to drive measurable results.Going Forward is brought to you by VIP Marketing. VIP Marketing is a law firm marketing agency built to help firms become the choice in their market through strategy-led SEO, paid media, website design and development, brand strategy, and premium video production. Based in Charleston, South Carolina, VIP Marketing serves law firms nationwide. Our Website provides detailed information on our services and expertise. For more information, visit vipmarketing.com.
In this second of two episodes, Julie and Savannah read your listener letters! This time, Julie reached out and asked the question, "What didn't you know about or what didn't THEY tell you?" before or as you embarked on their transgender journey. From the difficulties of dating in a post-transition world, to the switch from clothing being euphoric to the transition being euphoric, from surprise reactions at home when bedroom play and underdressing becomes more, from finding strength in unlikely places when those most loved take a step back, these letters hit the heart of the varied and individualized life experiences that may resonate with others.-----SAVANNAH HAUK is the author of “Living with Crossdressing: Defining a New Normal” and “Living with Crossdressing: Discovering your True Identity“. While both focus on the male-to-female (mtf) crossdresser, “Defining a New Normal” delves into crossdressing and relationships and “Discovering Your True Identity” looks at the individual crossdressing journey. Her latest achievements are two TEDx Talks, one entitled "Demystifying the Crossdressing Experience" and the other "13 Milliseconds: First Impressions of Gender Expression". Savannah is a male-to-female dual-gender crossdresser who is visible in the Upstate of South Carolina, active in local groups and advocating as a public speaker at LGBTQ+ conferences and workshops across the United States. At the moment, Savannah is working on more books, blogs, and projects focused on letting every crossdresser–young and mature–find their own confidence, expression, identity and voice.IG @savannahhauk | FB @savannahhauk | FB @livingwithcrossdressing | web @livingwithcrossdressing.com------JULIE RUBENSTEIN is a dedicated ally to transgender community and the certified image consultant and co-owner of Fox and Hanger. F&H is a unique service for transgender women and male-to-female crossdressers that creates customized virtual fashion and style “lookbooks”. Julie intuitively connects with each client to find them appropriate clothes, makeup, hair, and shape wear all in alignment with their budget, body type, authentic style and unique personality. Julie also provides enfemme coaching and wardrobe support. Julie has made it her life's work to help MTF individuals feel safe and confident when it comes to their female persona, expression and identity.IG @Juliemtfstyle | FB @foxandhanger | web @FoxandHanger.com
Hang out with me as I fill out my 2026 NCAA Women's Basketball bracket! Do I know as much as I think? How much anguish will I feel? Will UConn repeat? Will my Gamecocks recover? And will the College of Charleston Cougars shock the world?Want more of what I'm doing? Tap into my Screen Shots weekly sports watch guide: brandonsilvers.comThe Rundown: 00:00 Intro00:42 Round of 64 UConn's Region06:32 Round of 64 South Carolina's Region14:39 Round of 64 UCLA Region26:44 Round of 64 Texas Region37:15 Round of 3252:54 Sweet 1601:04:26 Elite Eight01:06:04 Final FourDon't forget to support Catch Da Beat Apparel Co.! Website: https://catchdabeatapparel.com/ Facebook: https://www.facebook.com/catchdabeatapparel/ Instagram: https://www.instagram.com/catchdabeatapparel/ Listen to the Beyond The Arc with Brandon Silvers podcast at: Apple Podcasts: https://podcasts.apple.com/us/podcast/beyond-the-arc-with-brandon-silvers/id1611971780 Spotify: https://open.spotify.com/show/2LeRaBW3J2yJSA0kU4WS3j Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy84M2Q2NjBlMC9w b2RjYXN0L3Jzcw Anchor: https://anchor.fm/byabrandonsilvers Send us an email at: beyondthearc843@gmail.com Beyond The Arc with Brandon Silvers breaks down today's hottest sports topics in a way that makes sense whether you're a rookie or a vet! Tune in to hear in-depth analysis, unique commentary, and more! Follow BTA on Twitter @BeyondTheArc843! For more from Brandon, follow him on Bluesky @brandonsilvers.bsky.social and on Instagram/Threads @thebrandonsilvers!
NASA confirms boom heard all over Northeast Ohio yesterday was a 17,000-pound meteor, Lawsuit: Black employee says they were told 'Happy no longer being a slave day' by boss on Juneteenth, South Carolina man paid his bail with cash he handed over to the judge and told him to 'keep the change'...from the counterfeit bills
NASA confirms boom heard all over Northeast Ohio yesterday was a 17,000-pound meteor, Lawsuit: Black employee says they were told 'Happy no longer being a slave day' by boss on Juneteenth, South Carolina man paid his bail with cash he handed over to the judge and told him to 'keep the change'...from the counterfeit billsSee omnystudio.com/listener for privacy information.
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
Sponsored by Color Guru This episode is sponsored by Color Guru. Boutique Chat listeners receive $350 off Color Guru Academy with code: BOUTIQUE350. Learn more at: www.colorguru.com _____________________ What do you do when your boutique hits one hard month… and then another… and another? In this episode, Ashley sits down with Jessica Brown of Pink on Pickens Boutique in Abbeville, South Carolina, for a real and honest conversation about rebranding, financial stress, faith, community, and what it looks like to keep going when business feels heavier than ever. Jessica shares how she transitioned from teaching into retail, why she rebranded from Jessica's Closet to Pink on Pickens, and how one of the hardest seasons in business forced her to ask for help, lean into community, and get crystal clear on her purpose. You'll learn: How Jessica successfully rebranded her business without losing customer trust What happened when one bad month turned into a much bigger financial struggle The importance of reserves, trusted advisors, and local banking relationships How faith, handwritten notes, Bible study, and community helped strengthen her business Join The Boutique Hub Jessica Brown & Pink on Pickens Boutique: Facebook: @PinkOnPickens Instagram: @PinkOnPickens Website: pinkonpickens.com ____________________________ Ashley Alderson: Instagram The Boutique Hub: Website | Facebook | Instagram | Pinterest | TikTok | YouTube
Chuck talks about Vanderbilt in the post Diego Pavia QB era. Chuck and Heath discuss David Cutcliffe's retirement from his role with the SEC. David Bartoo joins for his weekly visit. See omnystudio.com/listener for privacy information.
America's story has always been intertwined with prayer, from the convictions of early leaders to the quiet revivals that changed the nation's course. In this episode, America Pray Now Director, Hanna Alway, explores how spiritual awakening often begins in humble, united intercession, and why that pattern matters now more than ever. As America nears its 250th anniversary, there is a call for believers to repent, to stand in the gap for their nation, and to seek God for renewal that begins in the church and can touch the entire Nation.-------------America Pray Now publishes a magazine on prayer that is free of charge and can be delivered directly to your home. You can sign up for this magazine on our website at americapraynow.comIn addition to our weekly podcast, we meet in 17 different cities every month to pray in person. Most of our in-person prayer meetings are in Virginia, and we also have meetings in Maryland, West Virginia, Delaware, North Carolina and South Carolina. See our website for times and dates at americapraynow.comEnjoy the Podcast? Let us know! Email us at podcast@americapraynow.com
Ready to run for local office? We demystify the candidate filing process in South Carolina. Learn about required documents, deadlines, and campaign strategies.Episode Resources:SC Votes Candidate Information PortalSC State Ethics Commission (SEI Filing)Live SC Candidate Tracking ToolGreenville County Voter Registration and ElectionsSC Association of Counties Resource HandbooksEpisode on School Board RacesEpisode on Financial Disclosures with Leigh McGillEpisode with Newly Elected OfficialsSimple Civics:Simple Civics: Greenville County is a project of Greater Good GreenvilleGet in touchSupport Simple Civics with a tax-deductible contributionSign up for the Simple Civics newsletter.View our entire catalogueSimple Civics: Greenville County is produced by Podcast Studio X.
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
Lindsey Graham is up for reelection this year and it's high time he was given the heave-ho. The show welcomes both the major candidates challenging Graham from the right to represent South Carolina in the Senate. Plus, it was a weekend of heavy personal drama on the right, as Mark Levin got the President to join his side in a fight with Megyn Kelly. Jack Posobiec and Libby Emmons help digest the question at the heart of things: What, and who, is truly MAGA? Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.
On May 16, 2003, a silent alarm was triggered inside Blue Ridge Savings Bank in Greer, South Carolina. When officers arrived just minutes later, they found the bank empty and the cash drawer cleared out.In a small utility room at the back of the building, they made a devastating discovery. Head teller Sylvia Holtzclaw, along with customers Dr. Eb Barnes and his wife Maggie Barnes, had all been shot and killed.Surveillance footage from inside the bank was missing. Grainy video from nearby gas stations showed a red car speeding away from the area, but investigators were never able to identify the driver. More than 20 years later, the triple homicide at Blue Ridge Savings Bank remains unsolved, and detectives are still searching for the person or people responsible.If you have any information, please contact the FBI Office in Greenville, South Carolina at (803) 551-4200 or the Greer Police Department at (864) 848-2151.Editor: Shannon KeirceResearch/Writing: Haley GraySUBMIT A CASE HERE: Cases@DetectivePerspectivePod.com SOCIALInstagram: https://www.instagram.com/detperspective/Twitter: https://twitter.com/detperspectiveFIND DERRICK HERETwitter: https://twitter.com/DerrickLInstagram: https://www.instagram.com/DerrickLevasseurFacebook: https://www.facebook.com/DerrickVLevasseurCRIME WEEKLY AND COFFEECriminal Coffee Company: https://www.CriminalCoffeeCo.comCrime Weekly: https://crimeweeklypodcast.com/shopADS:1. https://www.GetAcreGold.com - Diversify your portfolio and sign up today!2. https://www.HungryRoot.com/Detective - Use code DETECTIVE for 40% off and a FREE item for life!
This week we dive into two cases from South Carolina's history that prove that your past will always come back to haunt you. One from 1959 in Beaufort County and the other a very recent financial crime.
Arkansas won the SEC Tournament Championship and is headed to Portland to face Hawaii as a four-seed in the NCAA Tournament. The Diamond Hogs had a 2-1 series win over Mississippi State and will hit the road this coming weekend to face South Carolina. The football team held its first practice under head coach Ryan Silverfield on Sunday. Join host Trey Biddy, hoops expert Connor Goodson and baseball guru Kevin Bohannon as they break down the latest and look ahead to what's next on this episode of HawgSports LIVE. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Tim Mercer. Author of Bootstrap Millionaire and CFO of Cadence Ventures, Inc.:
Bill Grant is a partner and creative director at As Told By, a production company out of Columbia, South Carolina. After 20+ years in the industry—starting in weddings and grinding through social media retainers—he landed on something that actually works: long-form storytelling for nonprofits, built around a framework that helps clients use their videos and actually raise money with them. He also shares how he transitioned from a full W-2 team to a lean contractor model, and how his studio is quietly becoming a podcast production hub. Key Takeaways The "Blueprint Framework" — Bill's system for making sure nonprofit clients get real ROI from their videos: get it in all the foundational places (YouTube, LinkedIn, website, email signature), show it in person as often as possible, and actually analyze the results Retainer-heavy social media work can feel productive but often burns clients out — long-form, emotionally-driven storytelling tends to create far more lasting impact and return business Transitioning from W-2 employees to contractors gave Bill more flexibility and surprisingly better working relationships with his former employees Podcast studio rentals starting at $350–$500 per session can at minimum cover your rent — and at best, become a serious revenue center if you add production services on top. About Bill Grant Bill Grant, Partner and Creative Director for As Told By, is passionate about helping nonprofits tell their story through effective marketing and video production. For roughly 19 years, Bill has led the way in helping the philanthropy efforts of organizations throughout South Carolina by highlighting the impact they have on real people of the Midlands. Bill is talented in uncovering the stories that make a connection and weaving them into video content to create an emotional attachment to the mission of every organization that he works with at As Told By. He is always thinking outside of the box for ways to inspire action. He also operates As Told By Studio in Columbia producing podcasts for clients as well as the As Told By You Podcast. In This Episode [00:00] Welcome to the show! [06:55] Meet Bill Grant [14:11] The Blueprint [18:25] Helping Clients Use Their Videos [37:57] Social Media Marketing [41:09] Employees And Contract Workers [43:59] Ways To Use Studio Space [51:37] Connect with Bill [52:53] Outro Quotes "You don't lose until you quit." — Bill Grant "Our focus is to make something that they love. They can't be OK with it. It can't be satisfactory. They've got to love it." — Bill Grant "Even if they know how to do it, they don't always do it. So to have that nudge—just caring for them—makes sure they get out of it what they want." — Bill Grant "My relationship with ex-employees is so much better than it was when they were employees." — Bill Grant "The overthinking is what pauses you. This idea right here is worth $2,500 at minimum—just take these words and say them to a client." — Ryan Koral Guest Links Follow Bill Grant on Instagram | Facebook Check out As Told By You Podcast Links Find out more about the Studio Sherpas Mastermind Join the Grow Your Video Business Facebook Group Follow Ryan Koral on Instagram Follow Grow Your Video Business on Instagram Join the Studio Sherpas newsletter
Episode Summary In this episode of the Work at Home Rockstar Podcast, Tim Melanson chats with Chris Castanes, speaker, author, podcaster, and insurance professional. Chris shares practical insights from decades in sales and self-employment, including lessons from publishing his book You're Gonna Be Great at This, a candid guide to avoiding the pitfalls of commission sales and understanding that every entrepreneur is ultimately in the sales business. The conversation explores the realities of selling while working from home, the difference between marketing and sales, and how honest expectations can make a huge difference for people entering sales careers. Chris also shares discipline strategies that help him stay productive as a solopreneur, including time blocking, "planting seeds," and learning from mentors who offer genuine guidance rather than hidden agendas. Who is Chris Castanes? Chris Castanes is a speaker, author, podcaster, and insurance professional with more than 25 years of experience working from home as a self-employed entrepreneur. Over the course of his career, he has worked across multiple industries including insurance, retail, office supplies, and telemarketing, building a deep understanding of sales and marketing along the way. Originally from Fayetteville, North Carolina and a graduate of North Carolina State University, Chris now lives in North Myrtle Beach, South Carolina. Through speaking, writing, and podcasting, he shares practical advice with solopreneurs and sales professionals who want to build sustainable businesses and improve their sales confidence. Connect with Chris Castanes: Website: https://chriscastanes.com Website: https://surffiancialbrokers.com Host Contact Details: Website: https://workathomerockstar.com Facebook: https://www.facebook.com/workathomerockstar Instagram: https://www.instagram.com/workathomerockstar LinkedIn: https://www.linkedin.com/in/timmelanson YouTube: https://www.youtube.com/@WorkAtHomeRockStarPodcast Twitter: https://twitter.com/workathomestar In this Episode 00:00 — Welcome and Guest Intro 00:28 — Book Win Story 01:25 — Sales Job Landmines 03:03 — No Show Meeting Lesson 05:32 — Self Employed Sales Reality 07:27 — Marketing Versus Sales 10:30 — Selling Hard Products 13:56 — Honesty and Transferable Skills 18:09 — Trust Based Selling 19:03 — Finding Real Mentors 23:04 — Calendar Discipline Wins 28:08 — Podcast Growth and Tips 32:33 — Favorite Rockstar Music 34:04 — Wrap Up and Where to Find
Chuck believes the number of struggling basketball coaches being retained right now emphasizes how important football is. Chuck and Heath discuss Louisiana Tech's current status of having two schedules released for playing in two different conferences. Jed May of UGA Sports previews Georgia spring football.See omnystudio.com/listener for privacy information.
The Her Hoop Stats Podcast: WNBA & Women’s College Basketball
With an outside shot at the overall No. 1 seed entering the reveal, UCLA landed in a challenging Sacramento region, where potential matchups with LSU and Duke could await. Jamie Steyer Johnson and Marisa Ingemi break down the Bruins' tournament outlook, and more.HerHoopStats.com: Unlocking better insight about the women's game.The Her Hoop Stats Newsletter: https://herhoopstats.substack.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Amanda McNulty explains why yellow jessamine was selected in 1924 as our state flower.
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
Potentially damaging severe weather is forecast for Monday, March 16.The Carolina Weather Group has the latest storm forecast timing and impacts.All of North Carolina and South Carolina could see severe weather, including tornadoes, damaging wind and hail. NOAA's Storm Prediction Center has placed part of the Carolinas under a "Moderate" tier 4 out of 5 severe weather risk. This is rare and unusually-high severe weather threat for the Carolinas.Prepare now for potentially life-threatening severe weather. Be sure to have multiple ways to get severe weather warnings. #weather #northcarolina #southcarolina #ncwx #scwx #podcast
Andy joins today's episode to share with us about a family-run farm in the upstate of South Carolina, Strawberry Hill. Run by the Cooley family, Strawberry Hill, USA, is a diversified operation that offers peaches, strawberries, and other produce. This farm has 2 stands as well as a café to enjoy the fruits of their labor. In addition to being a retail/wholesale operation, they also offer agritourism, including farm tours and a seasonal corn maze. Tune in to hear about the family and their farm operation, including how they started in farming and some of the trials that come with having a larger operation.
Dr. Feneisha Franklin spent a decade in corporate medicine before finding her door: a Direct Primary Care practice seven minutes from her house, owned by a retiring physician ready to pass the torch. She left her employer on a Friday. She owned Living Well Family Medicine on Monday.In this episode, Dr. Franklin breaks down what it actually takes to purchase an existing DPC practice: profit and loss statements, Medicare opt-out windows, non-compete clauses, legacy pricing, quarterly taxes, and the financial advisory team she credits with keeping her afloat in year one.This is one of the most practical financial conversations we have had on this podcast.What we cover:Evaluating a practice before you buyThe Medicare opt-out problem nobody warned her aboutBuilding a financial team before you think you need onePricing for legacy vs. new patientsGrowing sustainably without burning out your staffWhat physician joy actually looks like on the other sideDr. Feneisha Franklin is the owner of Living Well Family Medicine in Lexington, South Carolina. She is currently accepting new patients.Learn more at mydpcstory.com.Osprey CFO handles your DPC financial infrastructure so you can focus on patients and growth. Get your FREE Osprey + My DPC Story Financial Decision Tree HERE. Register for Hint Summit 2026: 4/8–11/26. Get $75 off w/ MYDPCSTORY through March 31 at summit.hint.com. DPC gives you autonomy. But autonomy without financial clarity becomes stress in disguise.Cash flow. Owner pay. Hiring timing. Tax strategy.These aren't afterthoughts. They're what protect your freedom long term.Contact Osprey CFO to see how they can help you handle the financial infrastructure of your DPC so you can stay focused on patients and growing your practice. Earn money WHILE running your DPC! Join SERMO for FREE today!Support the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOAD Become A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube
It is a truth universally acknowledged that the hosts of Dinner Partners are total suckers for any true crime special that uses the word "sassy" in the narration more than once. Such is the case with second episode of the second season of SOUTHERN FRIED HOMICIDE, portentously entitled "Romance Is Dead". Dirty Sexy Money Month continues with a toxic blend of all three ingredients. Being the mayor of a small South Carolina town can make you a lot of enemies. Now add in being it's pre-eminent lawyer and landlord and the list of suspects in your violent and untimely demise only gets longer. But is the real culprit in this tale of pain pill addicted ambitious shop owners and mouthy confidential informants closer to home? This year, Eric's best birthday present is that he lives a safe distance from South Carolina.
Congaree National Park is an often-overlooked unit of the National Park System. Indeed, only about 250,000 visitors set foot in Congaree each year. Those who do are awestruck by the size of the trees there, as the park contains the highest concentration of champion-sized trees anywhere in North America. Our guest today is Professor Kimberly Meitzen from Texas State University. Before arriving at Texas State, she studied at the University of South Carolina, where she fell in love with Congaree, its floodplain, and its big trees.
179 Hospice Is About Living: Honest Conversations, Palliative vs. Hospice, and Supporting Nurses with Gina Harris MSN, MSQT Host Marie Betcher, a registered nurse and former hospice nurse, interviews Gina Harris MSN, MSQT, Chief Clinical Officer at Marisol Health in South Carolina, about hospice education and reducing fear around end-of-life care. Gina shares her career path from mortgage banking to 25 years in nursing, including critical care leadership and work as a CMS-certified surveyor, and explains how hospice nursing is emotionally demanding and often undervalued. The conversation centers on the need for honest communication about dying, including a story of a woman with recurring cancer who pursued a third major surgery before choosing hospice and dying days later, highlighting "chasing normal" and the limits of prognostic estimates. Gina describes hospice as support for living with comfort and dignity, outlines palliative care versus hospice, and explains how Marisol trains staff through in-services, role playing, interdisciplinary visits, and certification. 00:00 Welcome and Disclaimer 00:29 Meet Host Marie 00:45 Introducing Gina Harris MSN, MSQT 02:11 Gina's Nursing Journey 04:09 Why Hospice Matters 06:05 Coaching Nurses to Talk 08:29 Chasing Normal Story 13:42 Hard Truths and Hospice 18:21 Hospice Is About Living 20:23 Palliative vs Hospice Care 23:32 Training Staff for Truth 26:44 Hospice as a Choice 28:15 Signing Up and Opting Out 29:42 Closing Thanks and Location 30:21 Final Wrap Up https://mirasolhealth.org/ If you want to help, you can donate to help support Hospice Explained at the Buy me a Coffee link https://www.buymeacoffee.com/Hospice Hospice Explained Affiliates & Contact Information Buying from these Affilite links will help support this Podcast. Maire introduces a partnership with Suzanne Mayer RN inventor of the cloud9caresystem.com, When patients remain in the same position for extended periods, they are at high risk of developing pressure injuries, commonly known as bedsores. One of the biggest challenges caregivers face is the tendency for pillows and repositioning inserts to easily dislodge during care.(Suzanne is a former guest on Episode #119) When you order with Cloud 9 care system, please tell them you heard about them from Hospice Explained.(Thank You) Marie's Contact Marie@HospiceExplained.com www.HospiceExplained.com Finding a Hospice Agency 1. You can use Medicare.gov to help find a hospice agency, 2. choose Find provider 3. Choose Hospice 4. then add your zip code This should be a list of Hospice Agencies local to you or your loved one.
Lord, Open My Lips is a daily devotional produced by Fr. Josh Fink and John Caddell in association with All Souls Church in Lexington, South Carolina. New devotionals are available every day. More information can be found at allsoulslex.org/dailyprayer.Original music is composed and recorded by John Caddell. Our liturgy is based on "Family Prayer" from the Book of Common Prayer (2019), created by the Anglican Church in North America and published by the Anglican Liturgical Press. Used by permission. All rights reserved. Scripture quotations are from The ESV® Bible (The Holy Bible, English Standard Version®), copyright © 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.
In his weekly clinical update, Dr. Griffin and Vincent Racaniello discuss the global spread of the 'eradicated' poliovirus, the suggestion of RFK's autocratic ability to change vaccine policy and the 'resignation' for the second time of CBER director Vinjay Prasad, and zoonotic spillover of viruses without adaptation, before Dr. Griffin deep dives into economic costs of not vaccinating against measles, the measles outbreak in South Carolina, Utah and ICE detention centers, recent statistics RSV, influenza and SARS-CoV-2 infections, the Wasterwater Scan dashboard, Johns Hopkins measles tracker, where to find PEMGARDA, VRPBEC meeting for 'flu' vaccine strain selection, how to access and pay for Paxlovid, closing of long COVID treatment centers globally, and contacting your federal government representative to stop the assault on science and biomedical research. Subscribe (free): Apple Podcasts, RSS, email Become a patron of TWiV! Links for this episode Polio: Practice enhanced precautions…..but isn't it eradicated? (CDC: Travelers' Health) RFK Jr has 'unreviewable' authority to reshape vaccine policy, DOJ lawyer tells judge….'unreviewable' is not even a word! (Reuters) Stark Divide: Americans More Confident in Career Scientists at U.S. Health Agencies Than Leaders (Annenberg: Public Policy Center, University of Pennsylvania) Divisive F.D.A. Vaccine Regulator Is Resigning…..for the second time in 6 months (NY Times) Characteristics and Outcomes of Patients With Hematologic Malignancies Hospitalized With Respiratory Viral Infections (OFID) Dynamics of natural selection preceding human viral epidemics and pandemics (Cell) Recent pandemic viruses, including SAR-CoV-2, spread directly to people without adaptation, researchers say (CIDRAP) Wastewater for measles (WasterWater Scan) US CDC deploys staff to curb South Carolina's measles outbreak (Reuters) Measles cases and outbreaks (CDC Rubeola) Measles Dashboard (South Carolina Department of Public Health) Utah measles outbreak response (Utah Department of Health and Human Services) UtahMeasles Dashboard (Utah Department of Health and Human Services) Tracking Measles Cases in the U.S. (Johns Hopkins) Measles vaccine recommendations from NYP (jpg) Weekly measles and rubella monitoring (Government of Canada) Measles (WHO) Get the FACTS about measles (NY State Department of Health) Measles (CDC Measles (Rubeola)) Measles vaccine (CDC Measles (Rubeola)) Presumptive evidence of measles immunity (CDC) Contraindications and precautions to measles vaccination (CDC) Adverse events associated with childhood vaccines: evidence bearing on causality (NLM) Measles Vaccination: Know the Facts (ISDA: Infectious Diseases Society of America) Deaths following vaccination: what does the evidence show (Vaccine) Influenza: Waste water scan for 11 pathogens (WastewaterSCan) US respiratory virus activity (CDC Respiratory Illnesses) Respiratory virus activity levels (CDC Respiratory Illnesses) Flu vaccine recommendations: Vaccines and Related Biological Products Advisory Committee March 12, 2026 Meeting Announcement (FDA) WHO updates all 3 viral strains to be included in fall flu shots (CIDRAP) Weekly surveillance report: cliff notes (CDC FluView) OPTION 2: XOFLUZA $50 Cash Pay Option (xofluza) RSV: Waste water scan for 11 pathogens (WastewaterSCan) Respiratory Diseases (Yale School of Public Health) USrespiratory virus activity (CDC Respiratory Illnesses) RSV-Network (CDC Respiratory Syncytial virus Infection) Vaccines for Adults (CDC: Respiratory Syncytial Virus Infection (RSV)) Economic Analysis of Protein Subunit and mRNA RSV Vaccination in Adults aged 50-59 Years (CDC: ACIP) Respiratory Diseases (Yale School of Public Health) Effectiveness of RSV Vaccines against RSV-Associated Thromboembolic Events (CDC: Emerging Infectious Diseases) Waste water scan for 11 pathogens (WastewaterSCan) COVID-19 deaths (CDC) Respiratory Illnesses Data Channel (CDC: Respiratory Illnesses) COVID-19 national and regional trends (CDC) COVID-19 variant tracker (CDC) SARS-CoV-2 genomes galore (Nextstrain) Characteristics of Young Children Hospitalized With Acute Respiratory Failure From Infection With Respiratory Syncytial Virus, SARS-CoV-2, or Both, November 2023–March 2024 (OFID) Where to get pemgarda (Pemgarda) EUAfor the pre-exposure prophylaxis of COVID-19 (INVIYD) Infusion center (Prime Fusions) CDC Quarantine guidelines (CDC) NIH COVID-19 treatment guidelines (NIH) Drug interaction checker (University of Liverpool) Help your eligible patients access PAXLOVID with the PAXCESS Patient Support Program (Pfizer Pro) UnderstandingCoverageOptions (PAXCESS) Infectious Disease Society guidelines for treatment and management (ID Society) Molnupiravir safety and efficacy (JMV) Convalescent plasma recommendation for immunocompromised (ID Society) What to do when sick with a respiratory virus (CDC) Managing healthcare staffing shortages (CDC) Anticoagulationguidelines (hematology.org) Daniel Griffin's evidence based medical practices for long COVID (OFID) Long COVID hotline (Columbia : Columbia University Irving Medical Center) The answers: Long COVID Where are the long COVID clinics? (ScienceNews) Left without care: Many Long COVID clinics are closing down in the U.K. (The Sick Times) Where have all the Long COVID clinics gone? (The Sick Times) Reaching out to US house representative Letters read on TWiV 1304 Dr. Griffin's COVID treatment summary (pdf) Timestamps by Jolene Ramsey. Thanks! Intro music is by Ronald Jenkees Send your questions for Dr. Griffin to daniel@microbe.tv Content in this podcast should not be construed as medical advice.
The Southeastern 16 crew reacts to Opening Night in Southeastern Conference baseball conference play, with games including Alabama at Kentucky, Mississippi State at Arkansas, Auburn at Missouri, South Carolina at Florida, Tennessee at Georgia, LSU at Vanderbilt, Texas A&M at Oklahoma and Ole Miss at Texas. Southeastern 16 Merch: https://se16.printify.me/ ZILKER BELTS SOUTHEASTERN16 for 25% off! https://www.zilkerbelts.com/ &COLLAR Stretchy. Wrinkle-proof. Built to look sharp. Welcome to Workleisure. Use promo code SEC16 for 16% off! https://andcollar.com/ HOMEFIELD https://www.homefieldapparel.com/ ICON WALLETS Use promo code SEC16 for 20% off! https://icon-wallets.com/ ROKFORM Use promo code SEC25 for 25% off! The world's strongest magnetic phone case! https://www.rokform.com/ JOIN OUR MEMBERSHIP Join the "It Just Means More" tier for bonus videos and live streams! Join Link: https://www.youtube.com/channel/UCv1w_TRbiB0yHCEb7r2IrBg/join FOLLOW US ON SOCIAL MEDIA Twitter: https://twitter.com/16Southeastern ADVERTISE WITH SOUTHEASTERN 16 Reach out to se16.caroline@gmail.com to find out how your product or service can be seen by over 200,000 unique viewers each month! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Spring practice whispers and intel are bubbling all across College Football. On Josh Pate’s College Football Show Ep 719 Josh Pate looks at the biggest questions for teams like Texas, Alabama, South Carolina, and Missouri. We’re also monitoring rumblings from the SEC and Big Ten about the future of everything from rules to media rights. Could we see a CFB superleague? Might the big two look to break away entirely? Could Congress get involved? We continue the truthteller series tonight with a look back at the Johnny Manziel era at Texas A&M along with a dive into the best WR rooms in College Football this year. How do programs like Ohio State and Miami stack up to Florida and Oregon? The Mood Tracker is also back with a pulse on Lane Kiffin’s first season at LSU. Be sure to let us know what you think, SUBSCRIBE to the channel, and CLICK THE BELL for notifications as we bring you multiple live shows per week!See omnystudio.com/listener for privacy information.
In Dember of 2025, Former Colleton County Clerk of Court Becky Hill pled guilty to multiple charges but avoided prison time. Becky Hill admitted to obstruction of justice, perjury, and two counts of misconduct in office. The Hill investigation was released and there are questions about the media and their relationship with Hill. In this in-depth interview, Will Folks from FITSNews discusses the controversial handling of sealed court documents, allegations of jury rigging, judicial corruption, and the broader implications for justice and media integrity in high-profile cases like the Murdaugh trial. For more from Will, FiITSNews.com Seton Tucker and Matt Harris began the Impact of Influence podcast shortly after the murders of Maggie and Paul Murdaugh. Now they cover true crime past and present from the southeast region of the U.S. Impact of Influence is part of the Evergreen Podcast Company. Look for Impact of Influence on Facebook and Youtube. Please support our sponsors Elevate your closet with Quince. Go to Quince dot com slash impact for free shipping on your order and three hundred and sixty-five -day returns. KeywordsFITSNews, Will Folks, Murdaugh trial, sealed court documents, jury tampering, judicial corruption, media ethics, South Carolina justice, court transparency, investigative journalismKey Topics Learn more about your ad choices. Visit megaphone.fm/adchoices
Alex and Richard go through the one-of-a-kind football life lived by Lou Holtz, who died on March 4 at age 89. In this episode, we discuss: * 1:46: Holtz's Saban-like upbringing and why Notre Dame was the apple of his eye from an early age * 4:14: William & Mary, Holtz's first head coaching stop * 7:25: NC State, where he was an all-timer * 11:13: The Jets, a one-year misadventure* 17:15: Arkansas, where Holtz was “the guy after the guy” and managed to stick the landing after replacing Frank Broyles … for a while * 24:41: Minnesota, where Holtz's eye was elsewhere* 28:15: Notre Dame, a school that already had a unique football tradition but that Holtz took to another level on the field and mythologically * 37:25: South Carolina, a strong closing act * 39:16: Where Holtz's resume is truly exceptional * 42:58: Holtz as an NCAA perp, TV commentator, irascible storyteller, and guy who made Ryan Day really, really angry * 48:49: Holtz's endorsement of Jesse Helms, and a discussion of the cognitive dissonance that he deployed throughout his career Producer: Anthony Vito This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.splitzoneduo.com/subscribe
Episode 2768 - In this urgent geopolitical health freedom episode, Ted and Austin Broer examine USS Abraham Lincoln withdrawal after Iranian strikes while addressing Lindsey Graham demanding South Carolina send children to war, Netanyahu German bunker cowardice, vitamin K shot refusal rates rising 77%, Epstein files war distraction theory, newborn shot aluminum dangers, FDA new vaccine injury tracking system, and advance decision-making importance. This is a Green Show
Jordan Kaye joins the show to talk South Carolina football and preview their upcoming season Learn more about your ad choices. Visit podcastchoices.com/adchoices
Congressman Nancy Mace & Grey Bull Rescue's Bryan Stern joins Sid live in-studio to discuss their rescue mission to Jordan and Israel to help evacuate a stranded South Carolina family from a rocket-hit area. Stern explains that Grey Bull Rescue evacuates American citizens from conflict zones, hostage situations, wars, and natural disasters, reporting 808 missions in four years and about 8,800 lives saved, including moving thousands through the Jordan-Israel border. They discuss missile threats, the logistics of “mercy flights,” and the need for leadership, planes, and funding, noting charter flights can cost about $500,000 and that people—including mothers with infants—have been turned away due to limited seats. The conversation also touches on rising antisemitism in the U.S., cooperation between Jews and Christians, and Mace's campaign priorities. Learn more about your ad choices. Visit megaphone.fm/adchoices
Helmets and Pads are cracking, whistles are blowing, coaches shouts can be heard echoing throughout a practice and just like that spring practice is here. IIn part of our SEC spring series, McElroy goes over the biggest questions for Missouri, Oklahoma, Ole Miss, South Carolina, Tennessee, Texas, Texas A&M and Vanderbilt. Learn more about your ad choices. Visit podcastchoices.com/adchoices
In this episode of American Potential, host David From talks with South Carolina State Representative Jeff Bradley, chairman of the House Regulations and Administrative Procedures Committee, about a major push to rein in the administrative state and make government more accountable to the people. Bradley explains how South Carolina's Small Business Regulatory Freedom Act would force a regular review of regulations, create a seven-year sunset for rules that are no longer justified, strengthen protections for citizens challenging agency decisions, and put real checks on unelected bureaucrats. He shares how overregulation hurts small businesses, raises costs, slows growth, and makes it harder for entrepreneurs to succeed. The conversation also explores how South Carolina is using new tools, including artificial intelligence, to identify duplicative rules and modernize government. Bradley lays out why reducing red tape is not anti-regulation, but pro-accountability, pro-growth, and pro-freedom — and why this fight matters for every South Carolinian.