Podcasts about state farm

This episode's a bit different, no guests. I'm going solo to break down a big topic. For record labels, the market share they have relative to peers drives major decisions both macro and micro. They spend a lot to maintain that position. Is it all worth it? 01:33 Market Share's Financial Impact 05:49 Challenges & Critiques 07:21 Cross-Industry Parallels 12:54 Indies vs. Majors Trapital Summit is on Wednesday September 10 in LA. Join us! This episode is presented by State Farm, the home for your small business needs. Like a good neighbor, State Farm is there. Listen in for our Chartmetric Stat of the Week.

This episode of IE in Besties is sponsored by  ⁨@statefarm⁩ .You deserve to worry less when you're on the road, and having insurance with State Farm can help you do that. Like A Good Neighbor, State Farm Is There. Good morning Besties! We got a special episode in store for you today as Isis is joined by her real life best friend, Shantel. Together, these Besties had a conversation that touched on the challenges of navigating motherhood, raising good humans, being a good person (but taking no ish), and giving yourself grace. This peek inside their friendship definitely puts into perspective how we should be navigating our own relationships, and when it might be the right time to let things go.

The Ringer's Bill Simmons and Sean Fennessey really want to see a Plaster of that Paris bagel and cream cheese paperweight before rewatching Martin Scorsese's 1985 neo-noir black comedy film, ‘After Hours' starring Griffin Dunne and Rosanna Arquette.  Producers: Jack Sanders and Ronak Nair This episode is sponsored by State Farm®. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.®  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Justin, Rob and Wos are here with their immediate thoughts on Day 1 of free agency. They start with the Cam Johnson-for-Michael Porter Jr. trade and Denver's outlook moving forward. Then, they talk about the Rockets getting deeper (20:48), what the Lakers' plan is (31:10), the Hawks' interesting offseason (48:40), and much more. Hosts: Justin Verrier, Rob Mahoney, and Wosny Lambre Producers: Isaiah Blakely and Ben Cruz Social: Keith Fujimoto and Jomi Adeniran This episode is presented by State Farm®️. Dishing the assists you need off the court. State Farm®️ with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons is joined by Ryen Russillo to discuss the upcoming NBA free agency, plus some big deals that already came from the Rockets and Timberwolves (2:07). Then, they talk about their favorite free agents, Yang Hansen, and the Collin Sexton trade (35:33). Finally, they talk about the possibility of a LeBron trade, the Pelicans' mess, and the most desperate teams (49:44). Host: Bill Simmons Guest: Ryen Russillo Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this episode of The Drive & Dish NBA podcast, hosted by Kevin Rafuse (@rafusetolose) and Justin Cousart (@JustinContheAir), the guys start the show by talking the Celtics making a pair of trades, sending Kristaps Porzingis to Atlanta and Jrue Holiday headed to Portland. If we expect to see Boston continuing to make moves and what we expect the East to look like next year amid a ton of shakeups. Plus some bonus Warm Up Jumpers as Justin defends Jacksonville from an article that said it was the most boring city in America. Next, the guys talk all things NBA Draft. Cooper Flagg goes #1 and Dylan Harper goes #2. What type of impact can we expect from them right away? The guys talk other picks they like including for Philly, Sacramento and OKC. Plus, Ace Bailey's gamble backfires as he heads to Utah and a a look at why the Pelicans may have made a massive blunder regarding their pick next year. In Who's Ballin Who's Fallin, Naz Reid gets paid by the Timberwolves, Masai Ujiri is out in Toronto in a big shift and the NBA draft sells out to State Farm. Finally, another round of Immaculate Grid. Listen to the show wherever you get your podcasts and watch the show on YouTube!

Most personal injury attorneys waste thousands every month on marketing that does not create authority or real clients.In this episode of the Garlic Marketing Show, Ian Garlic sits down with Chris Dreyer, CEO of Rankings.io, to reveal how law firms can transform their marketing strategies in today's AI-driven world.Chris explains how to fix the biggest mistakes law firms make, how SEO is evolving, and how firms can build a brand that outlasts Google Ads.He also shares powerful lessons law firms can learn from Geico and State Farm, and how smart branding wins the best clients.

Sean and Amanda start the show by reacting to two huge news headlines from this week, with Denis Villeneuve set to direct the next James Bond film and Aaron Sorkin set to write and direct a sequel to ‘The Social Network' (1:38). Then, they get behind the steering wheel to discuss Joseph Kosinski's highly anticipated action blockbuster ‘F1,' starring Brad Pitt. They talk about how the electrifying filmmaking displayed throughout the racing scenes makes the film worth the price of admission, acknowledge some of its noticeable flaws, and hypothesize whether or not it will perform well at the box office (23:00). Later, Sean is joined by Kosinski, who discusses why this was the most difficult shooting environment he's ever experienced, how he feels about the major studios' relationship to the theatrical experience at large, and much more (1:12:26). Hosts: Sean Fennessey and Amanda Dobbins Guest: Joseph Kosinski Producer: Jack Sanders This episode is sponsored by State Farm®️. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.®️ Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons is joined by Joe House and J. Kyle Mann live after the first round of the 2025 NBA draft to break down the lottery picks and draft-night moves (3:05). Host: Bill Simmons Guests: Joe House and J. Kyle Mann Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Get started today at HubSpot.com/AI The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Justin, Rob, and Wos are here after night one of the draft to talk about some of the deals that happened. They start with the Blazers' surprising selection of Yang Hansen. Then, they discuss the Pelicans' trade to move up and draft Derik Queen, the Celtics' recent trades, the Hawks' moves and how good they can be now, and much more. Hosts: Justin Verrier, Rob Mahoney, and Wosny Lambre Producers: Isaiah Blakely and Ben Cruz Social: Keith Fujimoto and Jomi Adeniran This episode is presented by State Farm®️. Dishing the assists you need off the court. State Farm®️ with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two Hot Takes host, Morgan, is joined by guest co-host Justin Sylvester! Justin has gone from real housewife assistant to amazing host on E and the Today show.. so he's seen a thing or two.. a mess or two! Which is good because we need help clocking what's really going on in these stories.. Like should you skip your nieces birthday for a Beyonce concert? Or what do you do when you show up for brunch but it's your husband's exes surprise baby shower?! Going to need your takes on these ones! Checkout Justin's Content: https://www.instagram.com/justinasylvester/?hl=en Partners: Duluth Trading: https://www.duluthtrading.com State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan! Bonus Content on Patreon including FREE stories/eps : ⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠⁠ MERCH HERE ! ⁠⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠⁠ Send us a letter? Our PO Box!! Two Hot Takes. 5042 Wilshire BLVD. #470. Los Angeles, CA 90036 WRITE IN TO US!!! ⁠⁠⁠⁠⁠⁠⁠https://reddit.app.link/twohottakes ⁠⁠⁠⁠⁠⁠⁠ Full length Video episodes available on YouTube! http://youtube.com/twohottakes Index: 00:00 -- Start 10:22 -- Story 1 AITH for missing my niece's first birthday party to see Beyoncé. 19:30 -- Story 2 AITA for secretly selling alcohol at my dry wedding to cover costs? 33:43 -- Story 3 My Husband's Family threw a Baby Shower for his Ex and invited me to “Be the Bigger Person” 50:44 -- Story 4 AITA for telling my girlfriend to “Suck it up” around my clown figurines? 1:09:19 -- Story 5 I (F36) am having an issue with my husband(M36) who keeps messing up our bathroom and keeps insisting it's not a big deal. How do I get him to understand it's gross? 1:19:15 -- Story 6 AITA for evicting my uncle from the house my grandma left me? 1:27:28 -- Story 7 AITA for insisting my son be the flower boy? Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons is joined by Chris Mannix to discuss the Celtics trading away Jrue Holiday and Kristaps Porzingis early in the offseason (0:00). Then, they talk about the Atlanta Hawks' future, Achilles injuries, and the Kevin Durant trade (0:00). Finally, they discuss Sam Presti, Jake Paul vs. Julio César Chávez Jr., and more (0:00). Host: Bill Simmons Guest: Chris Mannix Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Get anything delivered on Uber Eats. www.ubereats.com The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In hour 2 Steak and Sandra talk to Pat Forde about gambling in college athletics, and chat with Hawks executive Andrew Saltzman about the NBA Draft Wednesday night.

Russillo starts the show by looking at the impact that the Anfernee Simons–Jrue Holiday trade will have on both teams (1:54). Then, Kevin Boyle comes on to share what it was like coaching Cooper Flagg, analyze Derik Queen's game, and explain why he's stayed at the high school level (18:52). Plus, Life Advice with Kyle (45:14)! Can I mow my lawn shirtless? Check us out on YouTube for exclusive clips, livestreams, and more at https://www.youtube.com/@RyenRussilloPodcast. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Ryen Russillo Guest: Kevin Boyle Producers: Steve Ceruti, Kyle Crichton, Mike Wargon, and Jonathan Frias This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Logan, Raja, and Howard are back, and they open the pod with a discussion about Oklahoma City and the Thunder's championship celebration. Would Raja have celebrated the same way OKC did? Plus, Jrue Holiday was traded to the Blazers for Anfernee Simons. What will the Celtics do with Simons, who's on an expiring contract? Kevin Durant was finally traded to the Houston Rockets for Jalen Green and Dillon Brooks. Is this the last stop for KD? What's next for the Suns and their logjammed roster? Plus, a loaded mailbag! (0:00): Welcome w/ Logan Murdock (0:57): Show Start (2:49): State Farm Ad Break (3:30): OKC Wins NBA Championship (19:11): Jrue Holiday Trade (27:10): Kevin Durant Trade (51:44): Mailbag Hosts: Logan Murdock, Raja Bell, and Howard Beck Producer: Clifford Augustin and Victoria Valencia Hit the mailbag! realonesmailbag@gmail.com The Ringer is committed to responsible gaming.  Please visit www.rg-help.com to learn more about the resources and helplines available. This episode is presented by State Farm®️. Dishing the assists you need off the court. State Farm®️ with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons is joined by Ryen Russillo and Zach Lowe to react to the Thunder winning the 2025 NBA championship, and Tyrese Haliburton's injury (2:35). Then, they talk about the Eastern Conference next season and possible trades around the league before discussing SGA's incredible season (28:33). Finally, Bill and Ryen break down the Kevin Durant trade, discuss the NBA draft, and much more (01:04:41). Host: Bill Simmons Guests: Zach Lowe and Ryen Russillo Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Play for an ULTRA today, available on Doordash! ENJOY RESPONSIBLY© 2025 ANHEUSER-BUSCH, MICHELOB ULTRA® LIGHT BEER, ST. LOUIS, MO. The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Justin, Rob, and Wos celebrate the Oklahoma City Thunder becoming the 2025 NBA champions. They discuss the Thunder's defense, Tyrese Haliburton's heartbreaking injury, and much more. Then, they briefly look ahead to what next season looks like for both teams. They wrap up with the massive news from earlier in the day of Kevin Durant being traded to the Houston Rockets. Hosts: Justin Verrier, Rob Mahoney, and Wosny Lambre Producers: Isaiah Blakely and Ben Cruz Social: Keith Fujimoto and Jomi Adeniran This episode is presented by State Farm®️. Dishing the assists you need off the court. State Farm®️ with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Now that the dust has settled on Taylor Swift's music rights saga, what's next? We unpacked the financial impact of all the transactions on key players like Scooter Braun, Scott Borchetta, Shamrock Capital, and Swift herself. While all of those parties made a lot more money, we took a deeper look into the potential losers over the years. And lastly, we tackle an important question: how will history remember this? Join me and Tati Cirisano as we break it all down. 00:47 Scooter Braun's Legacy 03:34 Taylor Swift Fans 07:12 Artists Reclaiming Their Music Rights 11:42 Superstar Leverage 24:25 Ticketmaster and the Eras Tour This episode is presented by State Farm, the home for your small business needs. Like a good neighbor, State Farm is there. Listen in for our Chartmetric Stat of the Week. Trapital summit

The Ringer's Bill Simmons is joined by Zach Lowe and Rob Mahoney to react to the Pacers pushing OKC to a Game 7 in the NBA Finals (2:01). Then, they preview Game 7 and discuss what the Thunder needs to do to win the championship before looking back at previous Game 7 Finals (23:31). Finally, they catch up on the Buss family selling the majority of their stake in the Lakers, the Kevin Durant trade rumors, and much more (56:22). Host: Bill Simmons Guests: Zach Lowe and Rob Mahoney Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Get started today at HubSpot.com/AI The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Russillo is joined by Bob Ryan to discuss Rick Carlisle's brilliance, the best NBA teams of all time, and the sale of the Lakers (1:53). Next, Keegan Bradley joins from the Travelers Championship to share his thoughts on his early career, winning a major championship, and the difficulties of the U.S. Open (33:54). Plus, Life Advice With Kyle (51:52)! Do I go to an NBA Finals game with my ex-girlfriend? Check us out on YouTube for exclusive clips, livestreams, and more at https://www.youtube.com/@RyenRussilloPodcast. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Ryen Russillo Guests: Bob Ryan and Keegan Bradley Producers: Steve Ceruti, Kyle Crichton, Mike Wargon, and Jonathan Frias This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons is joined by Chris Vernon and Joe House to discuss the Grizzlies sending Desmond Bane to Orlando before talking about the U.S. Open and the NBA draft (2:24). Then, Bill chats with Kevin Hench about the Rafael Devers trade (01:09:10). Finally, NBA draft prospect Kon Knueppel joins the pod to talk about playing for Duke, Cooper Flagg, giving up his Bucks fandom, and much more (01:34:24). Host: Bill Simmons Guests: Chris Vernon, Joe House, Kevin Hench, and Kon Knueppel Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons and Chris Ryan have one question for you: Is it safe? The guys sit down in the dentist chair to revisit the 1976 crime thriller ‘Marathon Man,' starring Dustin Hoffman, Laurence Olivier, and Roy Scheider. Producers: Craig Horlbeck, Jack Sanders, and Ronak Nair This episode is sponsored by State Farm®. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.® Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sean and Amanda return to continue their yearlong project of listing the 25 best movies of the 21st century so far. Today, they discuss ‘Before Sunset,' the second installment of Richard Linklater's beloved romantic trilogy starring Ethan Hawke and Julie Delpy. They talk about why this film is their favorite of the trilogy and the official selection from Linklater's career, discuss what its legacy is at large, and how its performances helped shape the most romantic, emotionally incisive film of the century. Hosts: Sean Fennessey and Amanda Dobbins Producer: Jack Sanders This episode is sponsored by State Farm®️. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.®️ Learn more about your ad choices. Visit podcastchoices.com/adchoices

And its the same homeowner Karen Bass keeps tyring to use as a propSee omnystudio.com/listener for privacy information.

The Ringer's Bill Simmons is joined by Doc Rivers to react to OKC taking a commanding 3-2 lead against the Pacers in the NBA Finals (2:18). Then, they discuss Tyrese Haliburton's injury and the Knicks firing Tom Thibodeau (22:08). Finally, they talk about SGA's development, Giannis trade rumors, and much more (42:50). Host: Bill Simmons Guest: Doc Rivers Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Justin, Rob, and Wos are reunited just in time to watch the Oklahoma City Thunder move one win away from an NBA championship. They discuss Jalen Williams's monster 40-point game that paired beautifully with SGA's 31-point performance, before getting into Tyrese Haliburton's injury-riddled night that left him without a field goal in Game 5.They close things out with their analysis of the Desmond Bane trade to Orlando, and what the move means in the short and long term for both the Magic and Grizzlies. Hosts: Justin Verrier, Rob Mahoney and Wosny LambreProducers: Chris Sutton and Ben CruzSocial: Keith Fujimoto This episode is presented by State Farm. Dishing the assists you need off the court. State Farm with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Fire victims sue State Farm for negligence, claim they were ‘grossly underinsured'. DA Hochman and US Attorney Bill Essayli speak about charges against protesters. Meet the members of the Dull Men's Club: ‘Some of them would bore the ears off you'.

The Ringer's Bill Simmons is joined by Ryen Russillo to react to the Grizzlies trading away Desmond Bane to the Magic, potential Jaren Jackson Jr. and Ja Morant trades, and if this catapults Orlando as contenders in the East (03:04). Then, they delve into the best landing spots for Kevin Durant to be traded to (35:08). Finally, they recap Game 4 of the NBA Finals and if OKC has taken a hold of this series (78:50). Host: Bill SimmonsGuest: Ryen RussilloProducers: Jonathan Frias and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Play for an ULTRA today, available on Doordash!ENJOY RESPONSIBLY  2025 ANHEUSER-BUSCH, MICHELOB ULTRA LIGHT BEER, ST. LOUIS, MO.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The future of the National Guard in LA heads to an appeal court after an initial win for Gavin Newsom. President Trump seems to be making some exceptions when it comes to ICE arrests. Wildfire survivors celebrate a new investigation into State Farm. Plus more.Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comVisit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency! Support the show: https://laist.com

The Ringer's Bill Simmons is joined by Zach Lowe to react to the Pacers taking a 2-1 lead against OKC in the NBA Finals (1:55). Then, they talk about Indianapolis as a sports city, Bennedict Mathurin's impact, and SGA not playing good enough in Game 3 (24:28). Finally, they discuss what it would mean if OKC lost to the Pacers in the Finals, preview Game 4, and predict Kevin Durant trade destinations (51:05). Host: Bill Simmons Guest: Zach Lowe Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Get anything delivered on Uber Eats. www.ubereats.com The Ringer is committed to responsible gaming. Please visit⁠ www.rg-help.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week's episode is giving real talk and real feels. We're diving into the heartbreaking raids happening in LA—why it matters, how it's impacting families, and why awareness is everything. Then, on a lighter note, Mayra checks some bucket list items with a brand new nose piercing AND a YouTube comeback?! Plus, parenting isn't for the weak—especially when your 4-year-old thinks they're 16. Let's talk tantrums, sass, and surviving the toddler teen years.This Episode is Sponsored by: State Farm- Like a good neighbor, State Farm is there.  

Justin, Rob, and Wos return to react to the Pacers taking a 2-1 lead in the NBA Finals. They discuss another great Tyrese Haliburton performance, Bennedict Mathurin and TJ McConnell's vital contributions off the bench, and more. Then, they take a look at some hypothetical offseason headlines about the Knicks' coaching search, Kevin Durant trade destinations, and Giannis potentially staying put in Milwaukee. Hosts: Justin Verrier, Rob Mahoney, and Wosny Lambre Producers: Isaiah Blakely and Ben Cruz This episode is presented by State Farm®️. Dishing the assists you need off the court. State Farm®️ with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

We're joined by AWAL CEO Lonny Olinick. In the episode, we broke down why artist development still matters, how AWAL merges traditional record label services with its distribution business, giving artists creative freedom, global reach, and real ownership to AWAL's artist-first approach often beats major label deals, what it means to be part of the Sony Music family, and how the future of music is being rewritten—deal by deal. 00:13 AWAL Business Model 03:57 Artist Development Focus 10:19 Sony's Acquisition of AWAL 13:40 Global Expansion and Team Building 25:13 Industry Insights and Future Outlook This episode is presented by State Farm, the home for your small business needs. Like a good neighbor, State Farm is there. Listen in for our Chartmetric Stat of the Week.

The Ringer's Bill Simmons is joined by Chuck Klosterman to talk about the NBA's popularity and foul baiting (2:58), before they discuss the biggest sport franchise moves and the possibility of a new international basketball league (30:41). Then, they talk about Cooper Flagg, and ‘The Rehearsal' (57:25). Finally, they dive into prison escapes and AI fears (1:24:15). Host: Bill Simmons Guest: Chuck Klosterman Producers: Chia Hao Tat and Eduardo Ocampo This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. The Ringer is committed to responsible gaming. Please visit⁠ www.rghelp.com⁠ to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Ringer's Bill Simmons is joined by Ryen Russillo to react to OKC taking Game 2 at home against the Pacers in the NBA Finals (2:25). Then, they discuss the bad ratings for these Finals and why the NHL Stanley Cup final may be more interesting this year (18:07). Finally, they play a game of “I wouldn't be surprised if …” for the NBA offseason, discuss trade targets around the league, and more (46:33)! Host: Bill Simmons Guest: Ryen Russillo Producers: Chia Hao Tat and Eduardo Ocampo #ULTRACourtside could get you closer to the game! michelobultra.com/courtside/champsbottles ENJOY RESPONSIBLY ©️ 2025 ANHEUSER-BUSCH, MICHELOB ULTRA®️ LIGHT BEER, ST. LOUIS, MO. This episode is presented by State Farm®. Dishing the assists you need off the court. State Farm® with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Justin, Rob, and Wos record together in L.A. immediately after Tyrese Haliburton and the Pacers pull off another late comeback, and this time, they take a 1-0 lead in the Finals. They discuss how the Pacers continue to do this, what adjustments the Thunder can make, and much more. Hosts: Justin Verrier, Rob Mahoney, and Wosny Lambre Producers: Isaiah Blakey, Victoria Valencia, John Richter and Ben Cruz Social: Keith Fujimoto The Ringer is committed to responsible gaming. Please visit⁠ ⁠⁠www.rg-help.com⁠ to learn more about the resources and helplines available. This episode is presented by State Farm®️. Dishing the assists you need off the court. State Farm®️ with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

During the 4pm hour of today's show Chernoff & Los (in for Chuck) talked about the Falcons, Bijan Robinson's big year ahead... hopefully, a Hawks coaching What-If, elite crowds at State Farm and the Braves sellers status.See omnystudio.com/listener for privacy information.

Two Hot Takes host, Morgan, is joined by guest co-host Chris Klemens and Michaela Okland!!! We put each other through the wringer on this ep! Crazy stories and vastly different takes on many of them.. Like is a low effort proposal still special!? Or do you divorce your wife if her daughters treat your child bad?! So many more good stories so buckle up and get ready to share your takes too!! Checkout Chris's new show! https://www.youtube.com/@ChrisvsThePeople Partners: Duluth Trading!! http://duluthtrading.com State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan! Bonus Content on Patreon including FREE episodes and the jolly rancher story with Chris!! : ⁠⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠⁠ MERCH HERE ! ⁠⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠⁠ Send us a letter? Our PO Box!! Two Hot Takes. 5042 Wilshire BLVD. #470. Los Angeles, CA 90036 WRITE IN TO US!!! ⁠⁠⁠⁠⁠⁠https://reddit.app.link/twohottakes ⁠⁠⁠⁠⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠⁠ Index: 00:00 -- Start Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hip-hop's has had an outsized impact in fashion for decades, but where are we today? In this episode, I am joined by Fashion Killa author Sowmya Krishnamurthy. We unpack hip-hop's relationship with fashion, how these partnerships have evolved, where they stand in 2025, and what we want to see more of. 01:41 Hip-Hop's Cultural Impact vs. Sales Metrics 11:37 Nostalgia and the Evolution of Celebrity 23:22 The Future of Hip-Hop in High Fashion This episode is presented by State Farm, the home for your small business needs. Like a good neighbor, State Farm is there. Listen in for our Chartmetric Stat of the Week.

Justin, Rob, and Wos are here, and the Verrierables are back, to preview the NBA Finals. They start with the news of the Knicks firing Tom Thibodeau (3:12). Then they dive into the Verrierables (17:40), getting into how each team matches up with the other, some legacy talk (1:01:42), predictions (1:15:05), and much more. Hosts: Justin Verrier, Rob Mahoney, and Wosny Lambre Producers: Isaiah Blakely and Ben Cruz Music Theme: John Robison Social: Keith Fujimoto This episode is presented by State Farm®️. Dishing the assists you need off the court. State Farm®️ with the Assist. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Has anybody seen Richie? The Ringer's Bill Simmons and Kyle Brandt need to find Richie before rewatching the 1991 action classic ‘Out for Justice,' starring Steven Seagal and William Forsythe. Producer: Craig Horlbeck Video Producer: Jon Jones Shopping. Streaming. Savings. It's on Prime Visit Amazon.com/prime to get more out of whatever you're into. This episode is sponsored by State Farm®. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there.®  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two Hot Takes host, Morgan, is joined by guest co-host Chris Klemens! He's back y'all!! And popping off in his usual fashion. We get into these stories where it feels so chaotic that's enough to give us closure. Does that make sense?! Like confronting your sister about being her human cow.. or telling your husband to tone down his freemason activities. How would you handle these ones? Checkout Chris's new show! https://www.youtube.com/@ChrisvsThePeople https://www.youtube.com/@chrisklemens Partners: https://Colgate.com Promo Code: TwoHotTakes State Farm: Talk to a State Farm agent today to learn how you can choose to bundle and save with the Personal Price Plan! Bonus Content on Patreon including FREE episodes and the jolly rancher story with Chris!! : ⁠⁠⁠⁠⁠https://www.patreon.com/TwoHotTakes ⁠⁠⁠⁠⁠ MERCH HERE ! ⁠⁠⁠⁠⁠https://shop.twohottakes.com⁠⁠⁠⁠⁠ Send us a letter? Our PO Box!! Two Hot Takes. 5042 Wilshire BLVD. #470. Los Angeles, CA 90036 WRITE IN TO US!!! ⁠⁠⁠⁠⁠https://reddit.app.link/twohottakes ⁠⁠⁠⁠⁠ Full length Video episodes available on YouTube: ⁠⁠⁠⁠⁠https://www.youtube.com/c/TwoHotTakes⁠⁠⁠⁠⁠ Index: 00:00 -- Start 07:03 -- Story 1 AITA for pretending to think beans in chili are "woke", to prank my Cousin who is obsessed with being "anti woke" and who loves chili? 16:15 -- Story 2 AITAH for telling someone I would never let myself get as fat as her? 28:38 -- Story 3 AITA for refusing to continue breastfeeding the twins I was a surrogate for? 46:33 -- Story 4 Caught My Stepmom (37F) and Cousin (27M) in the Act, Told My Dad, but He's Still with Her – feeling like the AH , AITAH ? 58:23 -- Story 5 My (29f) boyfriend (35m) yelled at me for wearing pajamas.. 1:17:33 -- Story 6 My (35F) husband's (34M) dedication to Freemasonry is destroying our marriage and his life. How do I get this across to him? 1:44:01 -- Story 7 I secretly learned sign language for my brother, but I pretend I don't know it. Learn more about your ad choices. Visit podcastchoices.com/adchoices

American music still dominate the global stage, despite the world going local. In this episode, I am joined by former chief economist at Spotify, Will Page. We explore the powerful global influence of American music and what it reveals about culture, commerce, and control in the streaming era. From top-down industry power to bottom-up grassroots movements, we unpack how hits spread, why the U.S. music market is still growing despite predictions of global decentralization, and more. 00:28 American Music's Global Influence 03:40 Glocalization and Market Dynamics 09:42 Hip-Hop an Country Music Trends 13:24 Economic Factors 27:50 Will Page's Mixcloud This episode is presented by State Farm, the home for your small business needs. Like a good neighbor, State Farm is there. Listen in for our Chartmetric Stat of the Week. For Will's 2025 DJ mix, here's the full link

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

In this episode of the Real Estate Education and Investing Podcast, Erin Spradlin and James Carlson, seasoned real estate agents and investors, reveal a crucial pre-listing strategy most homeowners never consider. Erin explains how sellers can contact Redfin directly to remove their property's estimate when it's lower than their intended listing price, preventing buyers from seeing unfavorable discrepancies that could hurt negotiations. Automated valuations like Redfin estimates and Zillow's Zestimate have major limitations since they can't account for aesthetic improvements or updated features that add real value to properties. The conversation then examines two Colorado neighbors' contrasting insurance experiences after the 2021 Louisville Fire. While Safeco paid $311,000 within seven weeks after a simple interview, State Farm initially paid only $131,000 after requiring extensive documentation and a year-long process, though they eventually reached $850,000. Critical protection strategies emerge from this analysis, including understanding depreciated versus replacement value coverage, filming property contents, and asking specific questions about claims processes before disasters strike. This episode combines practical listing advice with essential insurance knowledge for today's challenging real estate market. Contact James: james@jamescarlsonRE.com Contact Erin: Erin@erinspradlin.com For more information visit: https://www.jamescarlsonre.com/ https://www.erinandjamesrealestate.com/

Este episodio de More than Mamis es presentado por State Farm. State Farm no solo ofrece seguros, ofrece presencia.   Tu agente puede ayudarte a encontrar la cobertura ideal para ti, para tu familia, tu hogar o tu emprendimiento. Y cuando llega ese momento difícil, no estarás sola: ellos estarán ahí para apoyarte y acompañarte paso a paso. Porque como un buen vecino… State Farm está ahí. En este episodio hablamos sobre los cambios, la evolución y los cierres de ciclo, esos momentos que muchas veces nos asustan, pero que también pueden abrirnos puertas hacia versiones más auténticas y alineadas de nosotras mismas. Michi comparte uno de los cambios más importantes y retadores que ha vivido en los últimos años. Desde un lugar muy vulnerable, nos abre su corazón para contarnos lo difícil que fue tomar una decisión que implicaba despedirse de algo que ama profundamente. Un testimonio honesto que nos recuerda que cerrar ciclos no siempre es sinónimo de pérdida, sino de crecimiento. Prepárate para un episodio lleno de emociones, reflexión y esperanza. Porque a veces, lo que parece un final… es solo el inicio de algo mucho más grande. 

Ryen Russillo is joined by Raja Bell to discuss the Conference Finals, including whether the Pacers can upset the Knicks and what makes Anthony Edwards's game so special as he tries to stop the Thunder from reaching the Finals (01:16). Plus, Life Advice with Kyle (53:00)! Check us out on YouTube for exclusive clips, livestreams, and more at youtube.com/@RyenRussilloPodcast. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Host: Ryen Russillo Guest: Raja Bell Producers: Steve Ceruti, Kyle Crichton, Mike Wargon, and Jonathan Frias This episode is sponsored by State Farm. A State Farm agent can help you choose the coverage you need. Like a good neighbor, State Farm is there. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Amin once joined Jake from State Farm's entourage. Jeremy befriended the people beside him on his Spirit flights, but Tony and Billy don't believe him. Chris Cote feels vindicated. Learn more about your ad choices. Visit podcastchoices.com/adchoices

California just approved a 17% homeowners insurance rate hike for State Farm, with renters seeing increases as high as 38%. Experts say this could devastate the real estate market, as rising costs push buyers out of eligibility. Tom Ellsworth breaks down the economic dominoes—from depleted insurance surpluses to failed home closings—while PBD questions if California is even livable anymore.

California regulators are allowing State Farm insurance to charge 17% more following this year's LA wildfires. State Farm says it needs the rate increase — on top of the 20% it got last year — because it's in financial distress following the fires. But the issue of higher premiums goes well beyond California. We'll hear more, then learn why there are concerns about the U.S. dollar remaining the world's reserve currency.