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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

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/

State Farm's outrageous 30% rate hike request comes just ONE WEEK after securing a 17% increase—proving once again that insurance giants won't stop until they've squeezed every last penny from California homeowners. This video exposes how State Farm bypassed legally required calculations, how regulators rubber-stamped increases despite insufficient justification, and how the company's own actuary admitted they didn't follow proper protocols. Is anyone surprised that they're already planning another 11% increase for 2026? Or that they've suggested they could justify hikes up to 77%? They don't want you to know that California actually ranks just 19th nationwide for homeowner insurance costs despite facing some of the highest natural disaster risks. As usual, taxpayers and homeowners are left holding the bag while corporate interests get a free pass. Like, subscribe, and share this video to help expose the insurance industry's predatory practices before your rates skyrocket next!

State Farm is asking for yet another rate hike after securing a 17% rate increase just last week. Attorney Marc Kapetan joins the show to give his take and updates on the "Clovis Unified Nine". May 22nd 2025 --- Please Like, Comment and Follow 'The Ray Appleton Show' on all platforms: --- 'The Ray Appleton Show’ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. --- 'The Ray Appleton Show’ Weekdays 11 AM -2 PM Pacific on News/Talk 580 AM & 105.9 KMJ | Website | Facebook | Podcast | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

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

Ricardo Lara's kinda sketchSee omnystudio.com/listener for privacy information.

Send us a textOn this insightful episode of The Plant Movement Podcast, we sit down with Mr. Bob, a pioneering entrepreneur who built his career selling workers' compensation insurance to the largest nurseries in Miami-Dade County. Discover how Bob identified a gap in the market and filled it with dedication, expertise, and an unwavering commitment to service.Bob shares his incredible journey from his early days working for a State Farm agent during his summers as a teenager to founding his own successful insurance company. He reveals how his passion for insurance began with his father's friendship with a State Farm agent and how a pivotal decision to join the Air Force Reserve shaped his career path.Tune in to learn how a chance meeting on the golf course introduced Bob to the nursery industry and set the stage for his workers' compensation success story. He reflects on key relationships, including working with industry leaders like Tony Costa, and how timing, opportunity, and networking propelled his business forward.Now in his next chapter after selling his insurance company, Bob continues to share his wisdom, emphasizing the importance of service, integrity, and strategic growth. This episode also touches on the evolution of insurance in the Green Industry, lessons learned from decades of experience, and advice for entrepreneurs looking to build their niche.Don't miss this episode filled with stories of growth, resilience, and community impact!TRMGEmail: bob@trmg.netCall: (305) 281-4151Web: https://www.trmg.netFollow IG: https://www.instagram.com/theplantmovementpodcast The Plant Movement Podcast Email: eddie@theplantmovementnetwork.com & willie@theplantmovementnetwork.comCall: (305) 216-5320 Web: https://www.theplantmovement.comFollow Us: IG: https://www.instagram.com/theplantmovementpodcast A's Ornamental NurseryWE GROW | WE SOURCE | WE DELIVERCall: (305) 216-5320Web: https://www.asornamental.comFollow Us: IG: https://www.instagram.com/asornamentalnurseryThe Nursery GrowersCall: 786-522-4942Email: info@thenurserygrowers.comIG: www.instagram.com/thenurserygrowersweb: www.thenurserygrowers.comPlant Logistics Co.(Delivering Landscape Plant Material Throughout the State of Florida)Call: (305) 912-3098Web: https://www.plantlogisticsco.comFollow Us: IG: https://www.instagram.com/plantlogisticsDirected and Produced by Eddie EVDNT Gonzalez Disclaimer: The contents of this podcast/youtube video are for informational and entertainment purposes only and do not constitute financial, accounting, or legal advice. I can't promise that the information shared on my posts is appropriate for you or anyone else. By listening to this podcast/youtube video, you agree to hold me harmless from any ramifications, financial or otherwise, that occur to you as a result of acting on information found in this podcast/youtube video.Support the show

KFMA State Summary for 2024 KFMA Association Summary for 2024 All Breeds Junior Dairy Show   00:01:05 – KFMA State Summary for 2024: Beginning today's show is Mark Dikeman, Kansas Farm Management Association executive director, reviewing the 2025 state income summary for Kansas agricultural operations. He discusses what contributed to farm income.   00:12:05 – KFMA Association Summary for 2024: Kansas Farm Management Association economists Dillon Rapp, Glenn Conover, Lindsay Bryant, Jake Grinstead, Craig Althauser and Clay Simons continue the show as they recap what 2024 farm income looked like for their association. AgManager.info/KFMA   00:23:05 – All Breeds Junior Dairy Show: Mike Brouk, K-State dairy specialist, ends the show by previewing the upcoming Kansas All Breeds Junior Dairy Show being held June 19-21 in Salina, Kansas.   Dairy Show     Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Research and Extension is a short name for the Kansas State University Agricultural Experiment Station and Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices, experiment fields, area Extension offices and regional research centers statewide. Its headquarters is on the K‑State campus in Manhattan

CA approves State Farm's emergency rate hike; increases as high as 38% start June 1 Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

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 officials just gave State Farm the green light to hike your insurance rates by up to 38%, and it took them mere HOURS to approve. Is anyone surprised when government regulators move at lightning speed to help corporations instead of consumers? This episode exposes how Insurance Commissioner Lara fast-tracked massive rate increases affecting over a million homeowners and renters while refusing to be interviewed about his decision. We break down the cozy relationship between regulators and the industry they're supposed to oversee, and how a system designed to 'protect' consumers consistently leaves them holding an empty bag and a bigger bill. Is this evidence of regulatory capture or just another example of bureaucratic incompetence? Either way, taxpayers lose again. Subscribe now for more exposés on government failures that directly impact your wallet, and share this video to help others understand how the system is rigged against everyday citizens.

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.

For episode 125 of The DYOJO Podcast we review recent video of the senate hearings lead by Josh Hawley (MS) which include sworn testimony from two policyholders with Allstate and State Farm who were affected by improper insurance claims handling for property damages. The extended video includes sworn testimony from two independent adjusters who worked for insurance carrier Allstate and third party adjusting firm Pilot. Senator Hawley has direct interaction with Mike Fiato who is the executive vice president and chief claims officer for Allstate Insurance Company. Video clips from: * Forbes Breaking News (2 hours) - https://www.youtube.com/watch?v=Qs2VKoQPvxY* Off The Press (8 minutes) - https://www.youtube.com/watch?v=kCgzSuwSbqs&t=301s Thursdays are for The DYOJO Podcast - helping contractor's shorten their DANG learning curve. Check out thedyojo.com for more information, the DYOJO blog, and sign up for The DYOJO Wire Newsletter.

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.

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.

No word on if DJ kitty glitter's rates are going upSee omnystudio.com/listener for privacy information.

AP correspondent Ben Thomas reports the cost of home insurance is going up in California.

The permitting process for rebuilding in the Altadena burn zone is off to a depressingly slow start. If you have property insurance through State Farm, brace for a rate increase. And those poor elephants languishing at the L.A. Zoo have a powerful new ally in their corner...Cher. It's Cher. The L.A. Local is sponsored by the LA Car Guy family of dealerships.

There are billions of videos uploaded to the internet daily. They all need the right music or sound effect. Many of them rely on Epidemic Sound to make that happen. In this episode, I'm joined by Oscar Hoglund, co-founder and CEO of Epidemic Sound. We dive into how Epidemic Sound uses AI to enhance music discovery while ensuring fair compensation for artists through a unique revenue model. Oscar also shares valuable insights on industry trends, the growth of the creator economy, and where the next wave of value will come from. 01:50 Evolution of Content Creation 06:59 Epidemic Sound's Four-Pillar Model 21:01 The Acceleration of the Creator Economy 24:22 AI in Music Adaptation and Generation 28:18 Data and Distribution 36:24 Future Aspirations 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.

State Farm got the green light today to raise insurance rates. The city of L.A.'s planned layoffs could hit low-income workers the hardest. We're on Fledge Watch: Jackie and Shadow's chicks could start flying any day now. 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

Erik heads to Eagle to chat with Ben Caton, State Farm Agent and Owner to talk about insurance...and so much more.  Erik and Ben discuss retirement planning, the challenges of taking over a "legacy" business, and the changing state of insurance both locally and regionally.  Ben isn't afraid to answer the hard questions such as, "why are premiums going up?" and "how should I prepare for natural disasters?" (fire or otherwise).  Ben and his team are in the business of protecting people when they are at their most vulnerable and we're lucky to have people like him and his team in this valley.Learn more about how State Farm can protect you HERE.

California hasn't ruled out taking on State Farm over wildfire insurance claims. Plus, we're breaking down the science behind what may have caused the Eaton Fire. The fight over the fate of two Asian elephants could be heading to court. Plus more. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Visit 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

Is the global market headed for another shake-up? In this episode, we unpack the rising uncertainty in international trade and finance—from shifting geopolitical alliances to unexpected tariffs and policy pivots. What does this mean for businesses, investors, and everyday consumers? Tune in as Billboard's Senior Finance Correspondent, Liz Dilts Marshall and I break down the trends, the tensions, and what might come next in the global economy. 00:31 Investor Interest in Music Assets 01:49 Earnings Reports and Market Reactions 09:04 Potential Impact of Tariffs 11:39 Touring and Live Music Challenges 17:12 Hipgnosis and Music Royalties 23:59 Comparing Music Value: 1999 vs. Today This episode is presented by State Farm, the home for your small business needs. Like a good neighbor, State Farm is there.

Join Certified Financial Planners Greg Cooley and Bubba Labas with special guest Penn Majors of State Farm on another episode of Advisors' RoundTable!

In this episode, we're shaking things up with our very first Live Music Draft 2025! Joined by MIDiA Research's Tati Cirisano, we're drafting our top music festivals, stadium tours, arena tours, concert residencies, over-performers, and under-performers of the year! 02:30 Music Festivals 09:21 Stadium Tours 14:04 Arena Tours (First Timers) 22:00 Vegas Residencies 25:07 Overperformers 28:53 Underperformers 29:51  Market Moves 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.

Rene Thomas Folse, JD, Ph.D. is the host for this edition which reports on the following news stories: Major TPA Faces Challenge by Excess Carrier after $34.5M Verdict. State Farm, Farmers and 25 Top California Carriers Sued for "Collusion". SCOTUS Shifts Burden of Proof to Employers in ERISA Litigation. Employee Waiver of Meal Breaks for 6 hour Shifts Are Valid. PAGA One Year Statute of Limitations Applies to Penalties. $1M Verdict Against LAPD for FEHA Violations Affirmed. 39 State AGs Ask Congress to End PBM Pharmacy Ownership. AI Discussed at Orthopedic Surgeon San Diego Town Hall.

There are millions of companies worldwide that use personal music streaming accounts for their businesses' music. But if those companies had the business-level streaming they should, it would add billions of annual revenue to the industry. So why isn't this a priority? Well, it's a priority for today's guest, Ola Sars. He's the founder and CEO of Soundtrack, which has been solving this problem for ten years. His business spun out of Spotify to tackle the SMB opportunity. He brought us under the hood to talk about how he convinces business to use his service, his revenue, churn, and plans for the future. 03:49 How Big is the B2B Market 13:04 Soundtrack's Products and GTM 21:58 B2B vs Consumer Streaming Economics 25:54 How Labels Feel About Soundtrack Trapital Summit: September 10 in LA. Get your tickets here! This episode is presented by State Farm, the home for your small business needs. Like a good neighbor, State Farm is there.

We're wreaking havoc but at least we're not raging a-holes! Advertising idea guy and art dude Peter Yue joins Sean to talk about Jeff Bezos' hedge fund, Las Vegas bartenders, and the most terrifying thing Gen Z found inside Pandora's Box.You can find Peter online at peteryue.com, or very rarely on the ‘gram at @peteryue.This episode was recorded April 13, 2025 in the Rat's Nest (well before The Incident took the iMac mentioned in this episode).Apologies to the folks at AdAge, who I incorrectly characterized in this episode as having selected Jake from State Farm over the M&Ms the winner in the final round of their March Madness Brand Mascot championship bracket. In actuality, it was M&Ms who narrowly defeated Jake, however it is frankly still bizarre that Jake beat—y'know—dozens more mascots that are ACTUAL MASCOTS. Ad industry, I know you don't understand TikTok, but just because Jake has a TikTok doesn't mean young people are going to buy his overpriced insurance when neither they nor I can afford cars. Hosted on Acast. See acast.com/privacy for more information.

Everyone's talking about “superfans,” but artist management companies have been focused on their top fans for quite some time. We sat down with Jonathan Daniel from Crush Music. They manage Green Day, Miley Cyrus, Sia, Weezer, Fall Out Boy, Train, and others. We talk about Coachella, touring strategies, how they use data, business ventures and more. I also ask JD about acquisition offers, why they focus on rock and pop acts, and a whole lot more. We dive into the realities of managing creatives, building trust within teams, and striking the balance between creative freedom and structure. We also introduced a new segment to the show called “Market Moves” with our producer, Eric! 00:28 Coachella highlights 08:12 Touring Strategies and Challenges 19:12 Business Ventures and Sync Opportunities 33:45 Why Crush focuses on Rock and Pop xx:xx Market Moves 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.

Let's cut through the noise and get real about what it takes to build a sustainable business on the world's biggest video platform. Joining me are Ten2 Media founders Donna Budica and George Karalexis, who help artists like Benson Boone and Brent Faiyaz maximize YouTube. ****We dive into insights on how artists can take advantage of the YouTube ecosystem. Whether you're an artist, content creator, or curious about what really drives YouTube success—this episode is for you. 00:10 Impact of TikTok Ban 04:11 Content Formats and Artist Strategies 13:30 Navigating Artist Preferences 19:49 Comparing YouTube and Spotify 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 latest North State and California news on our airwaves for Wednesday, April 23, 2025.

Easter eggflation is striking for the third straight year with prices elevated by the ongoing bird flu outbreak. The sticker shock is leading some consumers to break traditions, like dyeing eggs, and driving them to swap ingredients in holiday. Survivors of the Eaton fire gathered Thursday morning in Pasadena to condemn State Farm's alleged mishandling of a slew of claims by policyholders who suffered losses in the blaze. The Law Makers, Law Breakers and times that there oughta be a law. A UCLA international graduate student has been detained at the U.S.-Mexico border and is being held by Customs and Border Protection, the school has confirmed, an action taken amid the Trump administration's escalating cancellations of foreign student visas and attempts to deport pro-Palestinian student protesters.

Altadena and Pasadena residents want State Farm to make good on insurance claims. Two Pasadena fields close after lead is found in the soil. A dispatch from the only place to eat on the top of Mount Wilson, the Cosmic Cafe. Plus, more. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Visit 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

This week on The Pet Buzz, Petrendologist Charlotte Reed discusses dog bite prevention with Bark Buster Scott Schwab, the importance of dog bite liability insurance with State Farm's Heather Paul, and preparing for a relevant claim or lawsuit with Dog Bite Attorney Kenneth M. Phillips. Additionally, Reed highlights first-aid tips for people and pets.

Russillo is joined by Todd McShay and Daniel Jeremiah for their annual NFL Draft Fest (1:14)! They break down the top of the draft, which players are underrated, and their thoughts on the Nico Iamaleava situation. Plus, Life Advice with Ceruti (1:05:17)! Did I help or hurt a stranger with my random act of kindness? 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: Todd McShay and Daniel Jeremiah 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

It's Data Week at Trapital and for part 2 in this week's episode, we take a closer look at Spotify's economic structure and the platform's evolving role in the music industry. Spotify's Head of Marketing & Policy for Music, Sam Duboff joins me as we take insights from the company's Loud and Clear report, we explore how money flows through the system, what it means for both major and independent artists, and the ongoing conversation around fairness and sustainability. 01:27 Loud and Clear Report 09:20 What Does Independent Mean? 14:36 The 225K Emerging and Professional Artists 17:46 Superstar Artists and Global Reach Loud & Clear by Spotify 2025 Report 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.

Today we are breaking down Goosehead Insurance. I always enjoy hearing about how a new entrant has effectively carved out a niche in a world of incumbents and Goosehead fits that billing perfectly.  I'm joined by Geoff Collette, founder and PM of Aeon Capital Partners, and he walks us through the story of Goosehead identifying a bottleneck in the home-buying process.  We also cover the evolving market, where captives like State Farm and Allstate are leaving opportunities for independent players like Goosehead to provide value.  There's a lot to learn from Goosehead and its evolution, with notable themes like technology, the franchising model, and an emphasis on speed. Please enjoy this breakdown on Goosehead Insurance. Subscribe to Colossus Review For the full show notes, transcript, and links to the best content to learn more, check out the episode page here. ----- Octus, formerly Reorg, is the essential credit intelligence and data provider for nearly 40,000 professionals across the world's leading buy side firms, investment banks, law firms and advisory firms. By surrounding unparalleled human expertise with embedded AI technology, data and workflow tools, Octus unlocks powerful truths that fuel decisive action in financial markets. Visit octus.com to learn how rigorously verified intelligence is delivered at speed to create a complete picture across the entire credit lifecycle.  —- Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit joincolossus.com/episodes. Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes (00:00:00) Welcome to Business Breakdowns (00:04:26) How Goosehead Attracts Customers (00:05:15) Market Focus and Business Scale (00:06:07) Goosehead's Growth and Key Players (00:08:51) The Founding Story of Goosehead (00:12:28) The Shift from Captive to Independent Agents (00:15:29) Challenges in the Insurance Market (00:19:37) Goosehead's Unique Business Model (00:36:42) Franchising and Corporate Strategy (00:41:00) Operational Challenges and Strategic Adjustments (00:46:28) Financial Performance and Future Prospects (01:00:29) Competitive Landscape and Risks (01:07:40) Valuation and Lessons From Goosehead

Today on AirTalk, State Farm looks to justify potential rate hikes this morning at a rare public hearing. Also on the show, we discuss what’s in store for the future of Angel Stadium; Los Angeles sound stage occupancy declines to record lows; we check in on Huntington Beach’s voter ID law; San Francisco modifies its harm reduction policy; and more. State Farm seeks rate hikes in public hearing (00:17) What's the future of Angel Stadium? (15:34) New report finds low sound stage occupancy (31:54) The latest on Huntington Beach’s voter ID law (49:51) San Francisco changes harm reduction policy (1:07:14) Best fries in SoCal (1:24:40) Visit 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!

A new federal task force is looking at homelessness spending in California. Orange County Supervisors are divided on a harsher penalty for former supervisor Andrew Do. State Farm customers could face a bump up in their insurance rates. 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

In this episode of the Ghost Boss Podcast, Eva and Danielle dive into March Madness—with a branding twist—as they explore Ad Age's Brand Mascot March Madness, a tournament-style showdown of iconic brand mascots. From the mischievous M&Ms to Jake from State Farm, they discuss the cultural significance, nostalgia, and marketing power behind these familiar faces. With plenty of laughs, personal takes, and design-minded insight, this episode is a must-listen for anyone who loves advertising, mascots, and a bit of marketing mayhem.Be part of the conversation – follow us @ghostbosspodcast on Instagram!

It's Data Week at Trapital! In 2024, music streaming revenue growth slowed down, but not for everyone! MIDiA Research's Mark Mulligan joins me to break down the compaby's annual report and the latest trends. How will the rise of the global south shape the industry? Which sectors of the “indie” market are actually growing? Will expanded rights be the next big thing? 03:18 MIDiA Research's Recorded Music Report 08:57 Expanded Rights and Fandom 13:06 Independent Music Growth 18:05 Non-Major Labels and Market Share 22:09 Future of Music Publishing MIDiA Research 2024 Global Recorded Music Revenue Report 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.

259. God Speaks to His Kids . . . Here's How with Chris Allen   **Transcription Below**   “My sheep listen to my voice; I know them, and they follow me.” John 10:27 NIV   Questions and Topics We Discuss: How can we actually disciple our children to listen to God and recognize when they are hearing from the Holy Spirit as well? You've stated, "If you want to hear him, cultivate wonder." Will you elaborate? What are some follow up questions we can ask our kids to actually put this into practice?   Chris Allen is married to Rachael and they have three kids. Chris has a masters degree in spiritual formation from Richmont Graduate University and he is a trained spiritual director. Previously Chris was a pastor in full time ministry for many years, but he is also a technology entrepreneur and is currently working in the technology group at Chick-fil-A.    Other Episode Mentioned from The Savvy Sauce:   231 Stories Series: Faith Building Miracles with Dave Pridemore   Thank You to Our Sponsor:  Sam Leman Eureka   Connect with The Savvy Sauce on Facebook or Instagram or Our Website   Please help us out by sharing this episode with a friend, leaving a 5-star rating and review, and subscribing to this podcast!   Gospel Scripture: (all NIV)   Romans 3:23 “for all have sinned and fall short of the glory of God,”   Romans 3:24 “and are justified freely by his grace through the redemption that came by Christ Jesus.”   Romans 3:25 (a) “God presented him as a sacrifice of atonement, through faith in his blood.”    Hebrews 9:22 (b) “without the shedding of blood there is no forgiveness.”    Romans 5:8 “But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”    Romans 5:11 “Not only is this so, but we also rejoice in God through our Lord Jesus Christ, through whom we have now received reconciliation.”    John 3:16 “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.”   Romans 10:9 “That if you confess with your mouth, “Jesus is Lord,” and believe in your heart that God raised him from the dead, you will be saved.”    Luke 15:10 says “In the same way, I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.”   Romans 8:1 “Therefore, there is now no condemnation for those who are in Christ Jesus”   Ephesians 1:13–14 “And you also were included in Christ when you heard the word of truth, the gospel of your salvation. Having believed, you were marked in him with a seal, the promised Holy Spirit, who is a deposit guaranteeing our inheritance until the redemption of those who are God's possession- to the praise of his glory.”   Ephesians 1:15–23 “For this reason, ever since I heard about your faith in the Lord Jesus and your love for all the saints, I have not stopped giving thanks for you, remembering you in my prayers. I keep asking that the God of our Lord Jesus Christ, the glorious Father, may give you the spirit of wisdom and revelation, so that you may know him better. I pray also that the eyes of your heart may be enlightened in order that you may know the hope to which he has called you, the riches of his glorious inheritance in the saints, and his incomparably great power for us who believe. That power is like the working of his mighty strength, which he exerted in Christ when he raised him from the dead and seated him at his right hand in the heavenly realms, far above all rule and authority, power and dominion, and every title that can be given, not only in the present age but also in the one to come. And God placed all things under his feet and appointed him to be head over everything for the church, which is his body, the fullness of him who fills everything in every way.”   Ephesians 2:8–10 “For it is by grace you have been saved, through faith – and this not from yourselves, it is the gift of God – not by works, so that no one can boast. For we are God‘s workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do.“   Ephesians 2:13 “But now in Christ Jesus you who once were far away have been brought near through the blood of Christ.“   Philippians 1:6 “being confident of this, that he who began a good work in you will carry it on to completion until the day of Christ Jesus.”   **Transcription**   Music: (0:00 – 0:09)   Laura Dugger: (0:10 - 1:36) Welcome to The Savvy Sauce, where we have practical chats for intentional living. I'm your host, Laura Duggar, and I'm so glad you're here.    The principles of honesty and integrity that Sam Leman founded his business on continue today, over 55 years later, at Sam Leman Chevrolet Eureka.   Owned and operated by the Birchie family, Sam Leman and Eureka appreciates the support they've received from their customers all over Central Illinois and beyond. Visit them today at samlemanchevy.com.    Chris Allen is my guest today.   He has a master's degree in spiritual formation from Richmond Graduate University, and he's also a trained spiritual director. Previously, Chris was in full-time ministry as a pastor for many years, but he's also a technology entrepreneur, and currently he's working in the technology group at Chick-fil-A. Chris and my husband, Mark, actually go way back, so I've also invited Mark to come along with me today to interview Chris as we ask him more about cultivating wonder in our children and helping them to understand how to hear from God so that they can enjoy a conversational relationship with the Lord.   Here's our chat. Welcome to The Savvy Sauce, Mark, and Chris.   Mark Dugger: (1:38 - 1:39) Hey, thanks. Great to be here.    Chris Allen: (1:39 – 1:41) Yeah, it's great to be here.   Laura Dugger: (1:42 - 1:48) Well, I just want to start off and have both of you just take us back to how you two initially met.   Chris Allen: (1:49 - 2:20) Oh, gosh, that's dangerous, Laura. Are you sure you want to do that? Well, Mark and I met in, I think it was fourth grade. But I've kind of known for not having the best memory, so I could have that off.   Maybe Mark will correct me, but yeah, starting somewhere in maybe sixth grade, we started kind of being pretty close and spent a lot, a lot of years together through middle school and high school and into adulthood, so it's been a while. Yeah, Mark?   Mark Dugger: (2:20 - 2:32) I'm pretty sure we were in the nursery together at church growing up, so clearly you meant more to me than I meant to you. I think is what it's coming down to, but that's okay.   Chris Allen: (2:33 - 2:38) I know that's been a theme in our relationship, but you are very important to me, Mark.   Mark Dugger: (2:39 - 2:58) No, I just remember a mutual friend of ours moved away, and I think that was the catalyst for us starting to hang out. You lived right behind him. I would go to his house all the time, and then when he moved away, that was kind of the catalyst for us to start hanging out, and then I feel like we were pretty much inseparable from then on.   Chris Allen: (2:59 - 3:07) See, it's always good to have at least someone who remembers, but I do know that you're important to me today.   Mark Dugger: (3:08 - 3:10) Well, thank you, Chris.   Laura Dugger: (3:11 - 3:34) Well, and it's been awesome just to hear the stories of growing up together and being close through all the years, but you guys also had so many unique opportunities. As I hear how both of you had a faith at a reasonably young age, so I'd love to hear from both of you, what were some of your experiences through those formative years that grew your faith?   Chris Allen: (3:39 - 5:27) Yeah. Looking back on those years is kind of interesting for me. I became captivated by Jesus around the age of 13, and it really kind of consumed my time, at least mostly, and not because I needed to or had to.   It was I wanted to. In our church community, mostly our youth group, just kind of became honestly where I spent most of my time. Mark and I kind of experienced that together. So, I think we had a lot of time there.   We had a really tight-knit community. And then the other big thing was pretty early, we both kind of got invited into participating in God's work in different ways. We would lead things at our youth group.   We started leading things. Other youth groups started having us come in, and we had a worship band, and we would facilitate study and some teaching. But looking back at that, I'm like, oh my gosh, I can't believe they let me lead anything.   And so, it really, for me, illuminates how God has chosen to work in our lives. He invites us to participate in His kingdom. There is no qualification for that.   It's just as we are. And then He uses our participation not only to create fruit, like others are impacted by it, but He also shapes us in the process. And so, I think that's always true.   It's true today of all of us, but I can see it a little bit more clearly when I look back at that season. Yeah.   Mark Dugger: (5:29 - 6:20) Well, Chris, you glossed over the fact about talking about the praise band that we were part of and how I was really the core being the manager, aka sound manager. It was awful. I was literally there with no musical inclination whatsoever, and I was only there by association because you guys were awesome musicians, leading worship in incredible ways.   And I was the tagalong who we would do sound checks, and you would be like, “hey, Mark, can you turn up the left monitor? No, no, no, no, not that one. The other monitor. No, wait, no. You know what? I'm just going to come back and just do it for you.”   And so really, I was the glue that held everyone together. You didn't really talk about that part.   Chris Allen: (6:21 - 6:51) Yeah. I'm so glad you brought it up, Mark. Yeah, there was a lot of trips running from the stage to the soundboard to do the thing I was trying to get Mark to do.   But no, Mark, you were incredibly supportive in those years. All that was accurate, except for the amazing musician part. We maybe could say that about him, but for me, I think I knew just enough to maybe get through the song.   Mark Dugger: (6:52 - 8:45) Well, I was going to say, in all seriousness, there was one particular retreat I remember specifically, and you let me do the closing message at the very end, and it was going to be on the Prodigal Son. And I remember being like, this is one of those cool experiences that's still surreal to me that came in. I felt like I was kind of the closing deal. And so, I remember there being a lot of pride involved in that.   And I remember hearing about the Prodigal Son and knowing that story really well. And I came in just thinking, all right, I'm just going to just bring it and it's going to be amazing. And all of these kids are going to come and know the Lord.   And I remember even in my arrogance and pride, God still shined through. And I remember getting off that stage when I was about to walk off. I remember just, I even like forgot my words at one point and walked off the stage.   And it was absolutely, I felt embarrassed, and I felt like I had just failed God through my pride and arrogance. And then all of a sudden, you came in and kind of rescued this amazing moment and really closed out that message. And I'll just never forget how shaping that was for me, that seeing even in spite of arrogance and pride and fault and sin of my own, that God can still use those things for His good.   And I just remember that being such a shaping moment for me. And really just, I think it further grew our friendship just to see, you just kind of pick me up in that way and answer God's call and have the courage just to kind of lead through it there. So, I just remember that being just a profound moment in my faith and growth.   Chris Allen: (8:47 - 9:01) Yeah. Well, that's a great example of just the kinds of things we got to experience at that age. And I think it was really formative for both of us to get to do that in middle school and high school years.   Laura Dugger: (9:03 - 9:28) And I've just gotten to know this over the years, hearing all of these stories of the two of you and Adam Johnson, who was part of the band. And it's incredible to be so close in friendship still, all three of you, and now they're awesome wives. And so, switching gears though, from the past now, Chris, can you catch us up on your current life stage with your family as well?   Chris Allen: (9:29 - 10:34) Well, the biggest news is we just got a new pup. I don't know if you can hear him barking in the background, but Walt is our newest member. He's a little Shih poos.   So, he is a fluffy monster, which is wonderful when you're petting him, not so great when you have to pay for the grooming. But it's actually, it's been really good. We've talked about getting a dog for a lot of years, and our kids are just at the perfect season to soak it up.   So, we have three kids, 11, 9, and 6 (Ryan, Ramsey and Harvey) and my wife, Rachel. We are coming up on 16 years of marriage here this fall. So yeah, that's the season we're in.   We're having a lot of fun. It's like, you know, people keep telling me like, you're in the golden years. And I feel like we're actually experiencing it and enjoying it for the most part.   Of course, there's always, always the things. But yes, that's where we are.   Mark Dugger: (10:35 - 11:23) So, I want to go back here recently. We were on a drive down to Atlanta, and our kids love their phone conversations with Uncle Chris on the way down. And I just remember one specific instance where we were talking to you and asking you about this experience you had to, you were asked to lead a retreat for Ryan's school.   And we were just blown away by what you were learning, what you were experiencing, and then especially how you talked about growing in faith and really building a life of relationship with God and your kids. So, do you mind kind of just sharing us a little synopsis of that talk and what that looked like?   Chris Allen: (11:25 - 19:12) Yes, I'd be happy to. But first, I feel like the audience should know that most of my calls with your girls in the van are Uncle Chris trying to sell them a pizza or order a pizza with random things on it or making up like random songs or being a random character. So, it's mostly joking conversation.   And I'm not actually their uncle. We've just given me that title because we're close. But yeah, that's most of our conversations.   But yeah, I got invited to be the speaker at the fifth-grade retreat for my son's class. So, it was like a three-day retreat for their grade at his school. And as I was wrestling with like, okay, well, what, you know, what am I going to share?   I don't do that sort of thing that often. So, I'm usually excited when I get the opportunity to, but was just kind of sorting out, all right, what, like, God, what do you want to share with them? And this thought, actually, I should say, this was planned way in advance, and like, like, six to eight months in advance.   And it was kind of like in the back of my mind for a lot of months. And I had nothing like I had no clarity about what I was gonna talk about. And of course, you know, as you get closer and closer, you know, it starts to like, be a little bit more on your mind.   But I kept coming back to this thought of like, no, like, you know, God will bring clarity when he's ready. And trying to hold on to that thought. And then as we got like two weeks out, this thought just came, it was like, what if they began a conversational life with God at fifth grade?   Like, I've been working on this project that's kind of about how to help adults develop a conversational life with God. And before this moment, like I had not put these two opportunities together. But once that thought came, like, it just lit me up.   Because obviously, I have three kids that are kind of in that stage. And, you know, we're constantly pursuing them spiritually and trying to help them explore who God is. But that's not necessarily easy.   And obviously, trying to help them develop their own life with God, which is not easy, you know, they're kids, and they see things differently. And so for me, it was like, wow, what if they started now? You know, for adults, I think it's really hard.   Like prayer can mean a lot of things. I think most adults feel like prayer or conversation with God is somewhat hard. It's something they struggle with, typically something they want more of, but maybe don't feel super successful in.   So, the thought was, you know if you start in fifth grade, what would that change? Um, so I kind of went on a journey of trying to think about how could I help them? How could I help them explore this?   How could I help them start a conversational life with God? And that that kind of ended up being, you know, what the series of talks that I gave throughout the retreat were. So, my second thing was around like, if you want to hear him, you've got to cultivate wonder, which I'll come back to in just a second.   And then my third thing is, was teaching them to pay attention to their thought life, which we can dive into more. But the wonder piece, it may not be obvious, like why wonder, you know, why is that important? Um, so let me just speak to that for a second.   So, uh, the way I like to think about wonder is if you've ever been snorkeling in like the ocean, ideally in really clear water, uh, there's this moment, like, right. So, like you go out on a boat, you get to the spot where you're going to snorkel, you've got all your gear, you get in the water. And there's this moment where you're, you're about to go underwater, but before you do your head's still above the water, right.   And in this moment, you're like so close to beginning to see this whole new world that's underneath the water. Uh, but for this moment, your eyeline is above the water and you're really like, that's all you see. Like you really, you really can't, like, if you look down, you just see kind of like this fuzzy picture, right.   This distorted kind of water picture. Uh, but you can see for miles and miles across the top of the water, you see the sky, like there's so much above the water that you can see. Right.   And then you put your goggles on, and you drop your head down like six inches. And all of a sudden there's this whole other world, uh, that you really didn't have access to before that moment, right. You couldn't really see what was going on down there until you put your head under the water.   Uh, but then all of a sudden you start to see, you know, depths of the ocean. Uh, you know, reefs, all these, you know, different colors, all these different fish, wildlife, you know. Um, and then the same is kind of true when you're underwater. Like if you go underwater and look up, you can like see a vague color of the sky, but it's kind of all distorted.   So, I like this analogy because it kind of, it's like you almost have like two totally separate kingdoms, right? Like the underwater world and the above water world, they are right next to each other. There is this point at which they touch, but they operate so differently.   Like, you know, everything underwater is different, right? You can't breathe, like oxygen is different. Uh, you know, uh, the way you move is different.   You got to swim, you can't walk. Like the way things work underwater is different than how they work out of water. And I think the kingdom of God in the kingdom of earth is kind of similar.   Like there is a threshold at which they touch, but they, they operate so differently. Like the kingdom of God is just different. It's different than what we know in the kingdom of earth.   So essentially, uh, I kind of see like all of life is us, you know, trying to, or working towards participating with God in the kingdom. His kingdom, uh, while we are operating here on earth and the kingdom of earth. Um, and so wonder for me is, is like the goggles, uh, that help us move back and forth between kingdom of earth and kingdom of God. Uh, like when you put the goggles on, you know, you can, you can open your eyes underwater depending on the water, uh, but you can see so much better with, with goggles.   And so, um, wonder for me is like, is the vehicle that helps me move towards the kingdom of God. So, um, I'll, I'll, I'll share more about kind of like how I talked with the kids about that, but God speaks to his kids. If you want to hear them cultivate wonder.   And then lastly, pay attention to your thoughts. Uh, so that's, that's kind of what we talked about.   Laura Dugger: (19:14 - 21:09) And now a brief message from our sponsor. Sam Leman Chevrolet Eureka has been owned and operated by the Birchie family for over 25 years. A lot has changed in the car business since Sam and Steven's grandfather, Sam Leman opened his first Chevrolet dealership over 55 years ago.   If you visit their dealership today, though, you'll find that not everything has changed. 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You can also call them at 309-467-2351.   Thanks for your sponsorship.    Well, and I love all of those. So let's just slow it down and kind of go through all three, beginning with that first statement that you make that God speaks to his kids.   And from previous conversations, I know that Mark and I agree with you on that, but not everybody does. Even those who are in the faith community may not agree that God is still speaking to his children. And so, what would you say is the basis for your belief on that?   Chris Allen: (21:11 - 23:18) Yeah, that's a big question. Well, you know, I think, I think it's pretty clear in scripture. Like, you know, we have in John 10 where he says, “I'm the good shepherd.   I know my sheep and my sheep will know, they'll know my voice. They listen to me.” Like, and if you read that section, it's not only that, like, he speaks, it's that like, it almost sounds like it's easy.   Like the sheep don't have to work to know who their master is like, or the shepherd is like, they know his voice. you know, like when the shepherd calls, the sheep can instantly know if it's his voice or not. you know, quick, funny story. I wasn't planning on telling you, but my wife is an identical twin. And when we first started dating her and her twin shared a phone, a cell phone.   So we're in college, we start dating. I would call my girlfriend, not knowing if she was going to answer the phone or if her sister was going to answer the phone. And I had to know, just based on the tone of their voice, which one it was could get in big trouble if I get this wrong.   Right. So, you know, I learned, I learned her voice. Right.   And the same is true, obviously, with like our kids, like they can tell the difference between your voice and some other parents voice. Right. Did you always get it right?   Did I always get it right? There was a few times where it was a little hard. Usually a lot of times, like there was context clues, you know, like just by the way they would talk to me, but sometimes like Rebecca would answer and just say like, “Hey, and you know.” it's like, that's all I got to work with is a “Hey, you know”?   And, you know, I wasn't quite sure for a moment. So, I would ask a question to get more talking going, and then I would figure out who this was. So, yeah.   Mark Dugger: (23:19 - 23:21) That's good. Sorry, I derailed you there.   Laura Dugger: (23:22 - 23:44) I'll bring us back because I think that's so profound, even how you said context clues. So, I'll bring it back. You were talking first, John 10:14.   “I am the good shepherd. I know my sheep and my sheep know me”. And then also a few verses later in 27, where he says, “my sheep listen to my voice. I know them and they follow me.”   Chris Allen: (23:47 - 25:06) Yeah, I think. And then I think also like Jesus modeled this throughout his whole life. Like we would, you know, I and the Father are one, He would often retreat for time with the Father.   He seemed very clear on what the Father was saying. I mean, I realized there's a divinity gap between looking at how Jesus operated and maybe how we are. But then He also says, “like, it's better for Me to leave because I'm going to send my Helper, the Holy Spirit.”   And I think we see in that language, an even more intimate relationship. Like Jesus is in, like God is in us, you know? So, I don't think like when I study scripture, I don't think God intended for it to be hard for us to hear Him.   Which is why, you know, I'm interested in this topic. And as a lot of people that I interact, do struggle with that, and I struggle with that in my own life. I don't want to just accept that, you know?   So that's kind of what motivates me in this topic. It gets me excited to talk about it.   Mark Dugger: (25:09 - 25:12) That's cool. You have something else you wanted to say?   Chris Allen: (25:13 - 31:40) Well, I was kind of going back to the retreat. So, I think, you know, one of the biggest hurdles when I was in with the kids, as well as I think with us, even as adults, is first just acknowledging that we don't notice everything. Like there's things happening around us that we just simply don't notice.   If you're like me, like I feel like I'm fairly observant. And I do notice a lot of things. And I typically kind of feel like I'm right about things, you know, or I feel like my take is kind of on point.   It can be hard to admit this, but the reality is like there's so much happening around us that we actually don't notice. So, when I was talking to the kids, this was like the first thing that I tried to establish. So, I had this opening slide that said, if you're reading this, put your finger on your nose.   And so, as I come up to talk, I mean, I'm just introducing myself for the first time. Hey, everyone, I'm so glad to be here. My name is Chris. Mr. Chris, you know, and I'm starting to talk to them, you know, leading into our time together. The whole time behind me is this slide. If you're reading this, put your finger on your nose. And so, as I'm talking, you know, certain kids started putting their finger on their nose, but as I went on for like five or 10 minutes, right.   And in the end, you know, maybe a third of them had their finger on their nose. And so, I was like, you know, the first thing I want to establish with us together is an idea that there's things happening around you that you do not notice. And to convince you that that is true.   I want you to look around and notice your friends who have their finger on their nose. And the reason is because of the slide behind me that you haven't noticed yet. Right.   And so, it was a really fun way just to help them go like, oh, interesting. I guess I don't notice everything. And then we kind of moved to this idea of taking on a posture of curiosity.   And so, I was like, I want you to imagine that we or I was like, does anybody know a name of a famous detective? You know, they're shouting out names and stuff. So, we landed on Sherlock Holmes.   OK, well, Sherlock Holmes was here in the room with us, and he was trying to solve a mystery. What do you think he would do? And, you know, hands start going up.   He'd look for clues. Like, yeah, that's right. He'd look around.   You know, he's trying to figure out clues to solve the mystery. Right. And so, cultivating this posture of curiosity of like, OK, if things are happening around me that I don't notice.   And I want to notice them, like, what would that look like? I've got to start getting curious about my life, about the things that are already in it. And why are they there?   And so that's really kind of at the root of this idea of cultivating wonder is looking at your life and the things that are already in it and wondering about them. I'll give you an example. Our oldest, Ryan, is going into middle school, a transition which there's been a little bit of energy about in our house.   But near the end of fifth grade, Ryan was a little bit unsure what school he wanted to go to. He wasn't sure if he wanted the school that they are in which goes K through 12. So, he had the option of staying there.   But he also had the option of potentially moving to a different school. And he had some friends that are going to move. And that was kind of a catalyst for a lot of the conversation.   So, for a lot of that time, you know, just to be transparent, there was a lot of worry and anxiety as we were trying to discern, like, which school should he go to? And, you know, you've got layers that you've got my take on, you've got Rachel's take on it, you've got Ryan's take on it, right? And all of course, his parents, like, you know, we don't want to just make a call and force him, you know. We really want him to be bought in.   And at the same time, we have a sense of what we think. And so for a while, we were just kind of doing what I call wandering. Wwe were just wandering around within this topic, like, you know, Rachel would feel anxious about certain things, I would feel certain things, you know, Ryan's feeling certain things. And we're just kind of ping ponging around, wandering around.   And then one day, it finally started to shift towards wonder for me. And it was just like, you know, I wonder what God is up to in Ryan's life. Like, I wonder what God has in mind for Ryan, as he's moving into middle school.   I wonder which environment might be best for him, you know, to shape him in this next season. And instead of like latching on to the pieces that we're maybe concerned about and obsessing about those or thinking about those, just moving towards wonder, even though it doesn't solve anything, it doesn't change anything, like the situation is still the same. But it begins to change how I hold that thing.   And before I know it, I am interacting with my Father God about this thing that I was just worried about. And so, it's like this transformation of taking the, because here's the thing, this thing is already happening in my life. I'm already spending energy on it.   Like, why not let it be the catalyst for how I'm going to interact with God? And so cultivating wonder, curiosity, why is this happening? What is God up to?   As I mentioned already, for me, it's kind of been the gateway for me to put on goggles and to begin to see more of why things might be happening. Or what God's up to and just hold them differently than I was previously.   Mark Dugger: (31:40 - 31:55) So, I love this topic and thinking about it. How can we then disciple our children to listen to God and know for themselves, like, and recognize when they're actually hearing from the Holy Spirit?   Chris Allen: (31:56 - 39:42) Yeah. Yeah. Well, I think, I don't think there's a perfect formula.   I think it's something we just cultivate. Some of that's going to depend on the individual. I think each child's going to be a little bit different, but I think this idea of starting to notice things is a key one and just helping them think about or acknowledge that they're not going to see everything.   Another little tool that I use with the students was those magic eye things. I don't know if you remember this from our childhood, but they had books and posters with these pictures of, like, when you look at it from a distance, it's just like a lot of little random things or like a confusing drawing at most. But if you look at it a certain way, right, you start to see this picture within the picture.   Right. And so, we used that. It was awesome.   We had like a contest to see who could see it first and they got prizes and stuff. But you know, it's basically like we have to fix our eyes. Right.   We have to learn how to see the unseen, essentially, in the same way. I mean, those posters are actually a little tricky for a lot of people. Like if you don't see it, you don't see it.   Like, you know, you have to learn a certain like once you get the hang of it and you position yourself in relationship to it just right. Right. You can start to see like the horse or whatever jump off the page.   But, you know, learning to see what is unseen is not easy. But here's the really, really cool part that I think is really important for kids. It's like God made them for this.   And, you know, not just kids like us to like God made us for this. Your mind is already doing the things that is needed for this. And so, at the retreat to help them like understand what I mean by this, I basically wanted to show them all the things that they already know that they never learned.   And you may not know what I mean by that, but basically we played this game where I had all these logos from different famous brands. But I intentionally chose brands that were like adult brands, like insurance, Allstate, you know, State Farm. And so, we had their slogans or their logos in some cases, and they had to guess what it was.   They knew them all. And it's like, you know, I would make jokes, of course, in between they get off. They got Allstate.   And I'm like, I would go up to the kids who guessed it right. I'd be like, so tell me, do you have auto insurance with Allstate? Or is it home insurance?   What is what's your coverage amount? You know, what is your policy like? Just to drive home the point, it's like, you know, they're not a customer.   There's no reason they should know who Allstate is. But they are watching TV, they're driving around, they're doing different things in life. And of course, they have absorbed, their mind has learned what Allstate is without them even trying, right.   And so, your mind is doing a lot of this work already. It's already noticing everything around you. It's already learning and processing all this information.   Dallas Willard talks about kind of the role of the mind. A lot of times, we think of the mind as a generator of thoughts. And this is a pretty big position or adjustment that I think is important.   But instead of viewing the mind as a generator of thoughts, viewing it more as a processor of thoughts. Because reality is like, you didn't make up Allstate, you didn't make up the brand, the kid didn't make up the brand. You just processed it, you know, and that's what your mind is doing with most information.   And so when we start to view the mind as a processor, you now have a category for okay, there's all these other things that are basically submitting things to our minds. And you know, that's all the things we've been talking about, right? That's billboards, that's TV, that's us, like we're submitting thoughts to our kids' minds.   But you know, everything they read, everything they look, everything around them is constantly submitting thoughts to their minds. And their mind is just processing away. But it does it all automatically, like that's what the mind was made for.   So, for me, the kind of good news in all this, even though I think some of these thoughts can sound kind of foreign, or maybe hard to go figure out, it really is how we were designed. Like it's, you know, God designed our minds to interact with him. He designed our minds to be able to recognize thoughts that are coming from him.   So, when we shift the mind to a processor, really, that point is just about learning to notice those thoughts, okay, as they come in, right? And as you start to notice them, you can notice, you know, kind of the nature of them or the characteristic of them. And God, the thoughts that God might be presenting to your mind versus the thoughts that other sources might be presenting to your mind, over time starts to become clearer and clearer and clearer.   So maybe just like a practical example would be that, like, sometimes when we're processing things with our kids, if they're feeling a certain way, I might ask them, like, hey, what are you thinking about this? Or what's the most, like, what's the last thought you had about this? And it's like, oh, I'm worried, you know, I was thinking about, you know, my buddy, how he won't like this thing, you know. And it's like, oh, okay, that's why you don't want to go, you know, to that place, because your buddy doesn't like it. You know, it's like, but oftentimes, I will go to the, I'll go to thoughts, and ask them about their thoughts, what's the most recent thought to understand what emotions might be happening now. But I think even just talking about thoughts as a thing, right?   Like, what thought did you have, is really helpful to start, because a lot of times, I think the default is we kind of like assume we are our thoughts, we are one with our thoughts. And this can get really dangerous. I think, especially for young men, but really for all of us, because we have a lot of thoughts that are not honoring to God or to each other, right?   And so, if those are me, then that says a lot about who I am, right? So separating ourselves from our thoughts, positioning the mind as the processor of thoughts, not only gives room for the idea that God is presenting thoughts to our minds, but it also gives room for the idea that the enemy or the world or these other things are presenting thoughts to our minds. So just because we might have that thought doesn't mean it's us, which is a big thing as well.   Laura Dugger: (39:43 - 40:52) I love that because, okay, so going back to that first point, so God speaks to His children, and I think it's helpful for me just to have that articulated. That has been my experience, that one of the ways God speaks to me is through my thoughts, and so sharing that with our children as well. And something, when I'm verbally processing then later, if I'm wondering and I'm questioning, where did this thought come from?   Where did this originate? Mark's question to me will always be, whose voice is that? And I think it's another way of what you're saying, because it could be culture, it could be God, it could be the enemy's voice, and that it is through our thoughts.   But then if we are now, you've recommended also thinking about what our thoughts are. So, thinking about our thinking and pursuing that listening stance. So that kind of leads into the next point where you share that you say, if you want to hear Him, cultivate wonder.   So, can you just elaborate on that?   Chris Allen: (40:55 - 45:09) Yes. So well, let me also mention, so I mentioned Dallas Willard, he has like a quote that I really love around this. And I'll just go ahead and say it for those that might be thinking it, like, did you really present all this to kids?   Yes, I did. I wrestled so much going into this with like, this is too much, like it's too deep, it's too much content. I almost changed a lot of the talk, like literally like five minutes before it.   But I kind of landed on this, you know what, and there was a lot of adults in the room, it wasn't aimed at them, but it was just like, my job is to just throw it out there. And like, if one kid just grabs onto something, you know, so yes, I did. I did give this to kids, but I realized it's a lot.   So, but Willard says, he says, generally, it is much more important to cultivate the quiet inward space of a constant listening than to always be approaching God for specific direction. And he goes on to say, in the still small voice of God, we are given a message that bears the stamp of his personality quite clearly. And in a way, we will learn to recognize it.   How the message comes, this is kind of the biggest part right here: how the message comes is diminished almost to the vanishing point, taking the form of thoughts that are our thoughts, though these thoughts are not from us. And so, when I first read this, it was like, oh my gosh, like, I think I've experienced that. But he is putting words to something I, you know, maybe hadn't fully acknowledged that like, this, this is God speaking to me, you know. So, I think a lot of times we, we write off our thoughts as just like, oh, it's just my lunch, you know, or whatever. But I, I really believe, and Willard, you know, believes that one of the primary ways that God speaks to his people, and when we say children, I don't mean children in this case, not like the age of someone, but anyone, um, any person, like, this is a, at least a huge part of how God speaks to them is, is through their thought life.   And so, for me, like, as I, as I've started to walk in this, and, um, take, pay more attention to my thoughts, and then actually, like, hold them like, okay, well, what if this was God speaking? You know, it's, it's changed my personal interaction with God, um, for sure. So, I think for most people, if you're not already practicing this, it can feel inaccessible.   It can feel hard. It's like, oh my gosh, like, are you telling me that I have, like, I have to change everything. Like, I have to start recognizing all my, like, if you're not already doing that, um, and I think that's where cultivate wonder comes in. Is moving towards just a posture of curiosity, moving towards a posture of wonder, of, um, when you start to notice a thought, like, just hold it out there.   It's like, oh, that's interesting. I just had that thought. Hmm.   And you just think about it. You just wonder about it, right? You don't really have to do anything.   Like in the beginning of this, you don't have to do anything with it. Like, just look at it, hold it, name it, and just wonder about it. Like, I think that is the first step.   And so, I think there's little ways we can help our kids with that, right? Just as we're helping them process things, as we're talking through things, um, we can call out what we think we hear them say, you know, and just say, Hey, it sounds like you had this thought. Is that right?   You know? Um, and just the way we, you know, they can pick things up quickly. So, the way that we teach them to process what they're thinking about, um, is a huge gift to them.   If we can help them name their thoughts and hold them out.   Laura Dugger: (45:09 - 47:07) When was the first time you listened to an episode of The Savvy Sauce? How did you hear about our podcast? Did a friend share it with you?   Will you be willing to be that friend now and text five other friends or post on your socials, anything about The Savvy Sauce that you love? If you share your favorite episodes, that is how we continue to expand our reach and get the good news of Jesus Christ in more ears across the world. So, we need your help.   Another way to help us grow is to leave a five-star review on Apple podcasts. Each of these suggestions will cost you less than a minute, but it will be a great benefit to us. Thank you so much for being willing to be generous with your time and share. We appreciate you.    Well, and just want to speak to some of this as well. So, when you were sharing about children, meaning more than actual age children, I was thinking back.   Our oldest daughter, Selah was baptized a couple of years ago and a scripture that was really meaningful to her in that process as she was writing out her testimony and just pondering the work that God had done in her life. She really was impacted by a verse I'd love to read because that's another sure way that God does speak to us is through the word of God. So, the Bible, that's always a way that we can hear from Him.   But this verse is John 8:47, and it says, “Whoever belongs to God hears what God says. The reason you do not hear is that you do not belong to God.”   Chris Allen: (47:07 - 50:09) Well,  I think the emphasis that I would point out on that is that it's not that God is not speaking.   It's the reason you don't hear. So, I believe God's pursuing people even that aren't following Him. And even in our case, I think God pursues us even in our disobedience.   But what shifts is our ability to hear. And so, it's like we're tuning in, and that invitation exists for, I think, for all people. It's the opportunity to just tune in more to what God is up to, what He's saying, just by looking at what He's already doing in your life, what's already happening.   Just look around, pay attention, start to notice, start to name it. And like I was saying, if this feels overwhelming, which I think it definitely can, the beautiful thing is we were made for this. Our mind was made to work this way.   It's how God designed it. And one of the final ways that I pushed this across the finish line with the kids was the final logo that I had was Nike. And of course, not only did every kid in the room know the answer to what the brand was, half of them were wearing it.   But if you look back in your life, and this is what I had them do. It's like there's some moment in your life where you were not aware of Nike. You probably were already wearing it, the toddler walking around in it or something. It's all around you.   It's everywhere. Everybody else is wearing it too. You've seen tons of ads and advertisements.   It's everywhere. Yet there was some moment where you didn't know what it was. If you saw the logo, you'd be like, I don't know what that is.   And then at some point you cross this threshold where it's like all of a sudden you learn like, oh, that's Nike. And so, if you could pinpoint that moment in a kid's life, it's like in that moment, you go from like, I don't know, to like, Nike. Well, Nike didn't all of a sudden exist in that moment.   It was no more present than it was before. It was always around you. It was always active.   It was always everywhere. The only thing that changed in that moment is you became aware of it. And that's how I like to think about like what God is up to in our lives.   He is active. He's all over it. He is in your every day and every situation that we're in.   And He is inviting us to participate with Him, to notice Him, to talk with Him about it and to interact with Him through those things. But we just have to become aware of Him. And for me, I think wonder is the thing that helps me shift in that direction, just cultivating wonder.   Mark Dugger: (50:11 - 50:31) That's awesome. So you talked about with your kids, asking them and follow up questions about their thoughts. But is there any other practical ways you think about bringing this to life with our kids to help them kind of shape some of this line of thinking?   Chris Allen: (50:34 - 52:38) Yeah, that's a great question. I mean, the other kind of analogy that I've used with my kids as well is where's Waldo? So, my spiritual director, Jeannie Hoover, who's amazing, who lives in Illinois as well, she actually was the one who used this analogy in our conversations first.   But you know, where's Waldo's fun? You get the book or the posters and you're looking for Waldo, right? But you have no chance of finding him.   First, you can't find Waldo unless one, you believe he exists. Two, you know what he looks like. And three, you look for him.   And so that's kind of the starting point. I think an easy starting point with kids, plus you can use the Waldo book and they love it. But they have to believe God exists.   They have to know what He looks like, and they got to start looking for Him. Obviously, we can play a very tangible role in helping them kind of learn what He looks like and helping them look for Him. I think one easy way is like, you know, some kind of daily routine, as maybe you're putting them to bed or debriefing the day.   Or you might ask a simple question like, you know, did you notice God anywhere today? Or was there anything that happened in your life today, you know, where you noticed God? Or you can also go, I think a lot of times we can find Him in the things that we're struggling with.   So, is there anything that happened today that hurt you or didn't sit well with you? But as you help them process that, right, you're kind of looking for where is God in the story? What is he up to?   And helping them connect those dots.   Mark Dugger: (52:40 - 52:41) Oh, go ahead.   Laura Dugger: (52:41 - 52:44) Oh, you go first. I wonder if we're on the same thought.   Mark Dugger: (52:44 - 54:00) I was thinking, I was recently, this is helpful for me personally, but I was recently frustrated about a day or something that happened recently. And I was just, you know, going through the iterations of why this thing caused me frustration. And, you know, it caused me to take out frustration on others that were around me and impacted others.   And then my friend was just casually kind of listening to me and just said, what do you think God's calling you to do in the midst of this? And it was just such a simple yet profound question that I hadn't even considered. Like I wasn't even thinking about God being active and involved in this frustration that was going on in my life because I was so consumed by it.   But yet when I take that moment, I think him asking that question to me, helped me step back out kind of that 10,000 foot view and just say, huh, what, where is God right now in this process? And what is he potentially trying to show me in the midst of this frustration? And I think that's something that our kids can really understand too.   They can really grasp onto that concept. So, I think that's been a helpful one for me.   Laura Dugger: (54:00 - 54:58) You're both stirring all these ideas because I also think something that Mark's started recently on a Sunday on Sabbath, he loves to go around the table with our kids. And the youngest is five, as you know, Chris, and he'll ask all of us, where did you see God at work in your life this week? And they are able from a young age to think back on their life.   And I think that God does manifest himself to them. But then whether this is a question then for children or adults or everyone, even a conversation that Mark and I have had with you and Rachel before, where when you're going back to something that's happened in the past, asking yourself of that situation, if I go back to that scene in my mind, where was Jesus within that? And that's a pretty profound experience, I would say as well.   Chris Allen: (54:59 - 56:56) Yeah. Well, I think another something that I would encourage people to think about is this is not something that we have to figure out. That's really God's role is to teach us how to do this.   I think throughout scripture, the posture of curiosity or wonder is encouraged. Just ask, just seek, just knock. And you will find it.   The door will be open to you. And so, I don't think God asks us to figure out how to hear His voice or figure out how He speaks. I think if we come with just a posture of curiosity, which honestly, even that alone takes a little bit of work on our side, right?   But if we just cultivate some curiosity about what he's up to, my experience has been that you will start to notice. If you just focus on noticing and being curious, you will start to notice Him. I think sometimes we focus on the outcome.   We think the intimacy, like if I could hear God well, if I had a conversational life with God, I would experience intimacy with Him, right? But I think the truer thing is that a lot of the intimacy is in the learning. It's in the process.   We just show up, we just cultivate curiosity. And as God teaches us, a lot of the intimacy comes out of the teaching. Like, oh my gosh, that was God.   I just saw Him in a way I hadn't before. And so I think hopefully it takes some of the pressure off and allows us just to start to look for Him.   Mark Dugger: (56:57 - 57:13) Yeah. This conversation, I think, has been so helpful just to begin the process of thinking about this. Is there anything else that you want to add or help this message stick or bring home deep within us?   Chris Allen: (57:16 - 58:07) I think I would just say, if you're someone who maybe is not sure that God is speaking, I would just challenge you to pretend that He is. Just try it. Just start looking around, start noticing, and just see what happens.   In my experience, God is fully capable of making Himself known to us. If we just take a step in his direction with curiosity or wonder, He will reveal himself to you. He'll start showing you things.   And it's not constant, right? But over time, your faith will grow that He is speaking, that He does speak, and it will start to transform how you interact with Him.   Laura Dugger: (58:10 - 58:31) I love it. And I'm going to kind of summarize. Okay, so God speaks to his kids.   We get to participate and cultivate wonder. And a practical thing was to pay attention to our thoughts. With all of this too, Chris, you've alluded to a project.   Do you want to share any more information about that?   Chris Allen: (58:31 - 59:54) Oh, man. Yeah. So yeah, I've been working on a book for about a year and a half now with my spiritual director, Jamie, who I mentioned, really for adults about wonder.   I think we activate and use wonder a lot as kids, especially when we were kids. I think kids are better, more naturally jumping into wonder. The pool of life for adults is away from wonder.   It's towards the other side of the brain. It's towards be productive, be on time, be on task, get it done. And the more we fill our lives up with things, which as you all, like in this season that we're in, life is very busy, wonder just so easily gets squeezed out.   And so the project I've been working on is really aimed at helping adults cultivate wonder in their life again, specifically around how they interact with God, which probably no surprise at this point in the conversation. But yeah, it's so exciting. I mean, we're down the road, things are starting to solidify, and we got a good bit of work left to do, but I'm really excited about what that will be.   Laura Dugger: (59:55 - 1:00:15) Well, then we look forward to a part two of this conversation when that's further along. We'd love to have you back, but you are already familiar that we are called The Savvy Sauce because savvy is synonymous with practical knowledge. And so as my final question for you today, Chris, what is your Savvy Sauce?   Chris Allen: (1:00:16 - 1:00:57) Oh man, well, I think I might be a broken record on this one. So it's probably a summary statement here, but if wonder is our goggles into the kingdom, the question is how can we put them on more? And so, my encouragement is to leverage the things that are already happening in your life to help you cultivate wonder.   And obviously that's what the book is about. So hopefully maybe I can help some people do that more in specific ways once that's out, but that would be my Savvy Sauce.   Laura Dugger: (1:00:58 - 1:01:38) Love it. Well, I think Mark can share as well, but from the two of us, we just love you and Rachel, and Ryan, Ramsey and Harvey. And Mark and I are so grateful you have profoundly impacted us.   Just the friendship with you guys has been incredible. And also spiritually, we've learned so much from you and hopefully sharpened one another. And I appreciate the impact that the two of you have had on each other spiritually as well.   And I get to enjoy sweet fruit from your amazing and godly friendship. So, thank you for all you shared today. Thank you for your friendship.   And thank you for being our guest.   Chris Allen: (1:01:40 - 1:01:42) You're very welcome. Thanks for having me on.   Mark Dugger: (1:01:43 - 1:03:04) Yeah, I was just gonna say thanks. You know, friendship is pretty rare. And it's pretty remarkable just to think about all we've been through together.   But yet, Laura summarized it so well, but you've had such a profound impact on me, even in those years, you know, picking me up in high school ministry when we were doing those, those kinds of things together. And then we shared a mentor with Dave Pridemore, who's actually been a previous guest here on The Savvy Sauce. And just learning more about who we are in Christ.   And you've always been an encouragement to me. And that's just been such a blessing in my life. Just to know that there's always that constant friendship.   And no matter what goes on, no matter how, you know, being states apart, you know, sometimes we're not always talking all the time, but it's always nice to know that you, it's always the same. It's like we picked up right where we left off. And I think that's, that's deeper than just the friendship, but it's the bond that we have in Christ.   And that's, you know, you've challenged me in this way, just to think about wonder, this isn't something that comes to me naturally. And so I'm just very thankful for this conversation. And then just to be able to share some of the things that we've talked about privately, but be able to share with this audience today.   So thanks for doing that.   Chris Allen: (1:03:05 - 1:03:06) Absolutely.   Laura Dugger: (1:03:07 - 1:06:50) One more thing before you go. Have you heard the term gospel before?   It simply means good news. And I want to share the best news with you. But it starts with the bad news.   Every single one of us were born sinners, but Christ desires to rescue us from our sin, which is something we cannot do for ourselves. This means there is absolutely no chance we can make it to heaven on our own. So, for you and for me, it means we deserve death and we can never pay back the sacrifice we owe to be saved.   We need a savior. But God loved us so much, he made a way for his only son to willingly die in our place as the perfect substitute. This gives us hope of life forever in right relationship with him.   That is good news. Jesus lived the perfect life we could never live and died in our place for our sin. This was God's plan to make a way to reconcile with us so that God can look at us and see Jesus.   We can be covered and justified through the work Jesus finished if we choose to receive what He has done for us. Romans 10:9 says, “That if you confess with your mouth Jesus is Lord and believe in your heart that God raised him from the dead, you will be saved.” So, would you pray with me now?   Heavenly Father, thank you for sending Jesus to take our place. I pray someone today right now is touched and chooses to turn their life over to you. Will you clearly guide them and help them take their next step in faith to declare you as Lord of their life?   We trust you to work and change lives now for eternity. In Jesus' name we pray. Amen.   If you prayed that prayer, you are declaring him for me, so me for him. You get the opportunity to live your life for him. And at this podcast, we're called The Savvy Sauce for a reason.   We want to give you practical tools to implement the knowledge you have learned. So, you ready to get started? First, tell someone.   Say it out loud. Get a Bible. The first day I made this decision, my parents took me to Barnes & Noble and let me choose my own Bible.   I selected the Quest NIV Bible and I love it. You can start by reading the book of John. Also, get connected locally, which just means tell someone who's a part of a church in your community that you made a decision to follow Christ.   I'm assuming they will be thrilled to talk with you about further steps, such as going to church and getting connected to other believers to encourage you. We want to celebrate with you too, so feel free to leave a comment for us here if you did make a decision to follow Christ. We also have show notes included where you can read scripture that describes this process.   And finally, be encouraged. Luke 15:10 says, “In the same way I tell you, there is rejoicing in the presence of the angels of God over one sinner who repents.” The heavens are praising with you for your decision today.   And if you've already received this good news, I pray you have someone to share it with. You are loved and I look forward to meeting you here next time.

(April 03, 2025)Amy King joins Neil Saavedra who is filling in for Bill for Handel on the News. Trump announces new tariffs to promote US manufacturing. Senate passes measure to revoke new Canada tariffs as four Republicans break with Trump. Rubio visits NATO amid European alarm over Trump's agenda. California bill seeks to limit ICE presence on school campuses. State Farm General seeking a 39% rate hike for umbrella policies. Amazon places bid on TikTok as deadline looms.

The most influential conversations about your industry might be from an anonymous commenters who is validated by hundreds of upvotes on popular subreddit thread. Join me and Dr. Marcus Collins, the award-winning marketer, author, and friend of the pod, as we discuss the significant cultural influence of Reddit, its evolution as a community of subcultures, and how the business has evolved. 02:08 Reddit as a Market Research Tool 04:54 The Power of Community and Moderation 15:29 Will Monetization Match its Cultural Influence? 19:41 If We Ran Reddit 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 Derek Thompson for another edition of The Future of Everything, during which they discuss Derek and Ezra Klein's new book ‘Abundance,' before sharing their predictions for the future of politics, tech, sports, and culture. Host: Bill Simmons Guest: Derek Thompson Producers: Kyle Crichton and Chia Hao Tat This episode is sponsored by State Farm®. Like a good neighbor, State Farm is there.® 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

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Justin, Rob, and Wos follow up their No-Power Rankings pod with the Future Power Rankings discussion. This time, they're ranking the best situations in the NBA from this point onward, excluding the Thunder, Celtics, and Cavs. Hosts: Justin Verrier, Rob Mahoney, and Wosny Lambre Producers: Isaiah Blakely and Ben Cruz Social: Keith Fujimoto 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

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