Podcasts about tmd

It starts as a simple question: should I buy a house or invest in the share market? What begins as a classic money dilemma quickly unravels into a much bigger conversation... about pressure, identity, and whether the goals we’re chasing are even ours to begin with. Plus, we tackle a seriously juicy DM about uprooting your entire family for a “life-changing” job (that may only last a few years), whether commuting ruins your happiness, and why it might be time to outsource your vacuuming. Oh, and there’s also a heated musical theatre debate and some spicy ADHD brain revelations in there too.WANT LEARN HOW TO INVEST? The Investing Masterclass is here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Fresh off a controversial episode, Big Kish and TMD are back to discuss all things wrestling and hip-hop! The injuries pile up as Liv Morgan suffers a dislocated shoulder on RAW. Kish shares what could have prevented that. There's a lawsuit heard around the world with Jon Moxley and AEW in the hot seat! Thoughts on Jey Uso advancing in the King of the Ring, Naomi winning MITB, Goldberg vs. Gunther, and More!

This episode of the Mo Money podcast is a recording of a live event I did on how to get tax smart. We go through the key tax rules that you need to understand to keep more of your income, the key tax strategies that you can use to be smarter and use the rules to your advantage, as well as some of the common tax mistakes to look out for. So this episode is perfect for anyone that wants to get ahead faster without just sacrificing more.   Want to make smarter money moves and get ahead faster?  Upcoming events: https://www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Learn more about Pivot Wealth: https://pivotwealth.com.au/ Check out Ben's book, Get Unstuck: https://www.getunstuckbook.com.au/   Check us out on socials:    TikTok: https://www.tiktok.com/@bentalksmoney Instagram: https://www.instagram.com/pivotwealth/ Youtube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ Chat about how Pivot Wealth can help with your money: https://calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth   Note: The advice shared on this podcast is general in nature and does not consider your individual circumstances. The podcast exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, and TMD and obtain appropriate financial advice tailored towards your needs. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055

Feel like your 2025 money goals ghosted you around February? You’re not alone... and babe, it’s time for a financial glow-up. In this episode, we’re using EOFY energy to reboot your budget, clean up your spending habits, and get your money working for you (not the other way around). We’re talking five fast, feel-good steps to sort your finances before June 30 hits, and no, it’s not about cancelling every brunch or surviving on rice and regrets.In this episode:

In this episode I'm joined by Bob Elliott the co-founder and CEO of Unlimited Funds, for an eye-opening exploration of hedge funds and their role in modern investing. With years of experience as a macro investor at Ray Dalio's Bridgewater Associates, Bob brings a wealth of knowledge, breaking down complex concepts into actionable insights for investors of all levels.Watch the interview on Youtube: https://youtu.be/Um6WUcGp8SsLevel up your investing with Sharesight, Investopedia's #1 portfolio tracker for DIY investors. Track 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place. Ditch the chaos, track like a pro! Sharesight makes investing easy. Get 4 months free on an annual premium plan at https://www.sharesight.com/stocksforbeginnersDisclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Stocks for Beginners is a production of Finpods Pty Ltd. The advice shared on Stocks for Beginners is general in nature and does not consider your individual circumstances. Stocks for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

What do you do when your entire career plan falls apart.... and you're 26, jobless, and living back with your parents? This week’s Money Diary is the plot twist we didn’t see coming: our diarist went all in on her dream to join the Army as a psychologist, only to face a medical discharge that left her completely derailed. With no plan B, she found herself burned out, broke, and scrambling. But that’s not where her story ends. Fast forward: she’s in a meaningful career, investing like a pro, and just bought her first investment property with her boyfriend. We’re talking big glow-up energy, with money habits to match.

When you're at a crossroads with your money, it's easy to let the anxiety wash over you. But not making any decision is also a decision. In this episode Jess unpacks a listener question around whether it's time to focus on investing in shares OR focus on building a house deposit. This is a replay from season 1!To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here.We hate email spam so we don't create it! Sign up to the money money money newsletter to get only the valuable money, careers and property info you need.Have a question or topic for the show? Post it in our Facebook group.To get help click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.Jessica Brady is an authorised representative of Paragem Pty Ltd. Authorised Representative No. 1259972 | AFSL | 297276 ABN | 16 108 571 875 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.

YADADAMEAN?!It's Episode 61!  Join Big Kish and a returning TMD as they talk about the SNME match between Jey Uso and Logan Paul, the return of Bronson Reed, and is there a rift forming between Solo and Jacob?   TUNE IN!!!

Kiera is joined by Dr. Christy Moore of Moore Smiles to talk about how Dr. Moore has maintained her passion for dentistry over the decades, including providing solid leadership for your team, keeping an amazing culture, and branching out to services like Botox. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:01) Hello, Dental A Team listeners, this is Kiera. And today I have such a special guest. I love this woman so much. She has been a client of ours. She's been a dear friend of mine. This woman just makes you want to be a better human. And she's an incredible dentist, has some really fun ideas. I want her to come on and just share like a super unique way she runs her practice and just let you guys know this woman who I've just been so lucky to know for so long. Welcome to the show, Christy Moore. How are you today, Christy?   Dr.Christy Moore (00:27) I'm doing great, Kara. Thank you so much for that introduction. How about yourself?   Kiera Dent (00:30) Yeah,   I'm doing really, really well. It's been a podcast full day, but it's been fun. You're my last podcast of the day. So always an exciting thing. But Christy, you're such an incredible human. I feel like the world needs more Christy's. So I feel like you should tell them a little bit about who you are, where you're practicing, a little bit about your journey to practice ownership. And then like I said, she's doing something so special that so many offices are trying to do that can't do it successfully and Christy, you've done it. So.   Dr.Christy Moore (00:45) Thank you.   Kiera Dent (00:57) Just kind of tell everybody, like, how did you get into dentistry? What's kind of your path to where we are today?   Dr.Christy Moore (01:03) Yeah, so I actually started in dentistry all the way back in 1995, which was quite a few years ago. I started out as a dental assistant and then went to high-teen school, work, yeah.   Kiera Dent (01:13) That's why I like you. I had no clue you   were a dentalist. This is why we connect, Christy, all right? It says so much about you now. I get it, I understand.   Dr.Christy Moore (01:18) Yeah.   So I did, I did hygiene for about 10 years and then I went to dental school. I got out of dental school in 2012 and knew that I wanted to own my own practice and came out of the gate purchasing a practice from a previous Dr. Moore, no relation. We still kind of get people wanting to know like if that's my dad or my uncle, there's no relation whatsoever. But it came out in 2012, bought my own practice and started, started right out of the gate being an owner at that point.   Kiera Dent (01:52) That's incredible. And do you regret it? Because so many students straight out of school are like, ah, like, I don't think I'm ready. most of them are like, no, just buy. Are you so glad you bought right from the get go? Or do wish you would have like done an associate ship if you could do it all over again?   Dr.Christy Moore (02:06) I'm glad that I bought straight out of the gate. I kind of had an idea of like how I wanted to run the practice. I think being in dentistry for a few years before I even went to dental school, I knew what I liked, I knew what I didn't like. So being able to just start out and then own my own practice and then kind of build it from there was kind of nice.   You know, I didn't go in and change things immediately that the previous owner had been there for 40 years And so like I kind of slowly started implementing things and changing things like he didn't even have Computers so, you know you come out there's they were still scheduling on the little piece of you know The book we had to like erase it and all that stuff So ⁓ it we didn't have internet in the building, you know, and I come from like having internet. Yes. Yes 2012   Kiera Dent (02:50) 2012?   Dr.Christy Moore (02:53) So it was an event to get things up to par. But I'm so glad that I did it that way because the team that I lost team members, of course, but then the team members that stuck it out with me, like I still have one to this day. And she's one of my ride or dies and just levered her dead.   Kiera Dent (03:04) course.   That's amazing. I think that that's something like, I can't imagine. I mean, this is a true definition of a sleeping practice, Christy. Like I tell everybody, like, you want to buy a sleeping practice, like paper charts. I've never had anybody with no internet. And when I first started assisting, so let's think it would have been in 2003. So that's when I first heard we had a paper book and they like erased it, but that was 2003. I mean, you were multi-years post that and still   Dr.Christy Moore (03:35) Mm-hmm.   yeah.   Kiera Dent (03:41) Yeah, and I remember like erasing, like Terry was her name up front, it was my first office. They had the like suction, we're gonna spit in it. I thought it was disgusting, but I'm like, sweet, now don't have to worry about the UV light. I have no way to suction as an assistant, so that was kind of handy for me, but also disgusting. But I remember like, erase it out. I'm like, this seems so archaic, but YOLO. So here we go. Wow, okay. So then you bought the practice in 2012, no nothing.   Dr.Christy Moore (04:00) Yes. Yes.   Kiera Dent (04:09) kind of walk me through your practice journey. Like where did you go? Like how many team members? What was kind of the, I mean, you basically had like nothing but up from where you started. So that was a positive, like internet, paper charts. So kind of walk me through, you started there, where are you now today? What does your practice kind of look like? And then I'm gonna ask another question. I just wanna like get to that. Then I have.   Dr.Christy Moore (04:21) Yes, yes.   Yeah, so when I started out, I bought the practice and we had two hygienists, an assistant and a lady up front. And when I came in and told them that we were gonna go, yeah.   Kiera Dent (04:40) I wanted to die. You're like, I'm   gonna take away your paper and pencil and she's like, what? ⁓   Dr.Christy Moore (04:45) yeah, she quit immediately. Like I told her we were   going to get the computers and she turned in her notice. So yeah, that was immediate. So that was like the first change I had to overcome. So that was kind of interesting. ⁓ But yeah, so every, it was always funny because every time we had a change, things just got better. Things got better each time, you know, and like even like one of the hygienists that I had.   Kiera Dent (04:51) believe it.   Yeah.   Dr.Christy Moore (05:09) I told them we were gonna get digital x-rays, know, because we still had the old school x-rays for a while. When we went and got the digital x-rays, she prayed that Jesus would come back because she didn't want to have to do the training. I was like, seriously? Like you prayed that so that we didn't have to do the training? But yeah, there's people, people don't really like change, I found out. So.   Kiera Dent (05:19) What?   you   No, not at all.   Wow. I used to pray, I remember telling a dentist, I had a really strict dentist on our x-rays and I remember saying like, I hope I can make it into heaven if I can't pass x-rays off with you. Like I had a lot of sass as an assistant and that was what I was praying for Jesus for, but not to not have to learn it. Cause honestly, man, cause in dental school, like assisting school, I learned on film, like, which is so...   Dr.Christy Moore (05:42) haha   Yeah.   Mm-hmm.   Kiera Dent (05:54) embarrassing because I don't feel like I'm really that old but like truly I did. I remember taking the x-rays on Dexter and then when I went to a practice and it had digital I'm like hallelujah you can actually see where your misplacement of your x-ray machine is. I'm like this is so much faster like rather than waiting for it to come through then you're like oh shoot we cone cut and I had no clue like I can't imagine why anybody would be stressed to learn that because I'm like it was so much easier than film. So much easier.   Dr.Christy Moore (06:01) yeah.   Yes.   Yeah.   Yes, yes,   absolutely. But that was the thing, like I think that you were a better, you know, x-ray taker before because you did not want to have to wait, you know, five minutes and then retake it and made another one. So you're like, okay, I want to make sure that I know how to do this and do this efficiently so that I don't have to take it again.   Kiera Dent (06:39) mean, maybe that is why, because I was the one who actually trained a lot of the Midwestern students on radiology. They were having the doctors teach it and I was like, listen, guys, I'm not trying to tell you what to do, but I know you're not good at this and I'm actually really good at this. So why don't I teach these doctors how to like crush their FMX rather than you like, I'm like, you cone cut left and right guys. Like again, nothing personal. I'm just really good at this. So, but yeah, maybe that's why, cause I did learn on film originally and then went to.   Dr.Christy Moore (06:59) Yes.   Kiera Dent (07:06) by digital, but okay. So you go through this, you have an assistant praying for Jesus to come such an afternoon. Just go, okay. Now, now where are you at, Christy? Where's, where's life on the practice for you?   Dr.Christy Moore (07:12) Yes, yes.   So now   we ⁓ practice in Sweetwater, Tennessee. So it's a small rural town. I have no idea how many people are there, but it's not a whole lot. But it's funny because now we have three doctors. I think we have four assistants. We have four hygienists, a treatment coordinator, an office manager, and an insurance coordinator, and two girls up front.   Kiera Dent (07:43) So, and she has internet and likes computers. So we're good on that. That's incredible. You went from two to four and are you working on a second location? I feel like I've heard from Tiffany, like there's a mix with your friend, but like, is there a second location, just a solo location? What's kind of your plan with   Dr.Christy Moore (07:47) Yes. Yes.   It's a solo location, but I do have a friend that I went to dental school with and she actually is working in an office that's really just kind of down the street from me. And so we've been, I've been helping her quite a bit with that because she didn't really want to like, you know, run the practice or anything like that. And so I was like, well, I'll help you all that I can. So that's what we're kind of doing there, but it's an endo practice and I do not want to do endo at all.   Kiera Dent (08:26) You're like,   you will say good friends, you do your thing, I'll do my thing. And yeah. Exactly. And I know Tip just loves you. She loves coming to you. I know something that you have highlighted for me, like just in my time knowing you is one, you're always so positive and you're so fun. You make me laugh. But I think about your Christmas parties, like your holiday parties with your team. It's like sleepover at Christy's house, which.   Dr.Christy Moore (08:30) Yeah, I'll refer all my endopations to you.   Kiera Dent (08:48) Most doctors would never do that. And I just love you like, yeah, they love it. They come over, we do party, we have a slumber party, which I just think says a lot about you. So I'm curious, Christy, like something I think you do really well. Don't worry, there is a teaser. I want you guys to hear something she does really special, but I think you also do incredible for culture. What would you say to like owner doctors going from where you were to where you are today, having the culture that you built? What are some of the tips that you think you've done specifically as the owner and with your team?   to have this amazing culture that you run, Christy. Like you just have a fun culture that's amazing.   Dr.Christy Moore (09:20) ⁓ I think that my biggest thing is that I just try to treat people and treat my team the way I would want to be treated. You know, I was a team member for so long that that's all that I really knew. And sometimes I think it kind of came back and bit me a little bit just because I did allow things to go on a little bit longer in the beginning. But ⁓ I think treating people the way that I wanted to be treated has just been my motto for everything. The same way it was like dental stuff. Like I do for people in their mouth what I would want done.   in my mouth, you know? So I think if you kind of live by those rules, then how can you go wrong?   Kiera Dent (09:57) No, I agree with you. And Christy, this is just like your Southern hospitality. I'm always like, I want to go to Sweetwater and just have you be my dentist and work for you. Like just an amazing place that you do. I think kudos to you for doing that. I have a question. If you were to go back to 2012, you're buying this practice, what would be like the one, two or three, I'll allow it to three, things that you would tell yourself to get into place or things to know? Because I think so many owners are maybe where you were in 2012. Again, I have Wi-Fi.   probably have at least a computer in the practice. But you know, you never know. I'm always shocked at what I, I walked into this office, he's elite, you know him, he's in our group. And I walked into his practice, I've been coaching for a while, like this man is doing really, really well in his practice. And I walked in and I was like, you have paper charts? Like you didn't bother to tell me for a year that this was maybe an issue? And he was like, no, it's fine. And I'm like, it is not fine. Like, what are you doing?   Dr.Christy Moore (10:45) you   It is not fine.   Kiera Dent (10:51) like let's get you updated real quick. Kudos to him. I don't think usually doctors are that open to changing and he did so like mad kudos to him. I was like, Christy, I'll tell you off podcast air who this was and you will be shocked to like, wait, what? He's so like up to date on things. And I was like, okay, here we are. But if you could tell yourself back in 2012, what are like one, two or three things that you feel would just be good tips of advice for someone buying a practice or taking over a team or the growth you've had in the last 13 years?   to get to the level that you are, because you're still happy, you still love dentistry, you still enjoy it, like there's still sparkle in your eye, don't, like every time you come to our calls, I don't feel like Christy's like dead on the ground, like she hates her life. Like I know you have moments of that, but I still think you're very happy. So what would be some things you would tell yourself going back into that back in 2012?   Dr.Christy Moore (11:39) I think one of the biggest things, this is like no plug for the DLAA team or anything like that, but ⁓ I did not get a coach until about three years out of practice. ⁓ So I had practiced three years, I really wasn't growing, I really wasn't like going backwards, but I really wasn't growing or anything like that. And so at that point, that's when I actually brought on a coach. And I didn't bring on a coach because I was seeking one out. I had one just kind of show up at the office. And then it's like, he's...   He's here, you know, like I can't like say, she's busy because, you know, he's sitting out in the reception room, like waiting for me. And so like, but it was one of the best things that I did. It was hard just because, you know, they offer advice that works for, you know, like a generalized, you know, group of dentists. ⁓ And so being able to take some of that advice, but also being able to put my own spin on it.   ⁓ helped me out and I probably probably listening to the coaches a little bit more than what I did because they did allow grace for me to like drag my feet a little bit, you know, because there was things that had to be done that I didn't really want to do. ⁓ I'm you know, I've been on the disc profile for every, you know, so I'm definitely an IS. So I don't like to rock the boat and I like to have a good time. So like having tough conversations is one of the things that I do not like to do.   Kiera Dent (12:56) Yes you are.   Dr.Christy Moore (13:05) ⁓ So the other thing that I think that I would probably do is like make sure that I'm reading more books, learning how to be a leader and how to have those conversations, how to have it in a way that it's not like, I'm being the bad guy or I'm having to, you know, like be mean to somebody, but actually being able just to talk to them and just a conversation. And I've heard you say this a million times, it's a conversation, not a confrontation. And just knowing that because being clear is kind and I...   not always as clear as what I needed to be. I just wanted everybody to have fun and like me and so I let things go that probably shouldn't have been able to continue. So that's probably the two biggest things is just working on myself as a leader and you know bringing somebody in to help me a little bit earlier. I'm glad that I did bring somebody in at three years ⁓ just because like I knew I didn't know what I didn't know.   And I was like, well, I I think I need to be growing a little bit more than what I am, you being right out of dental school. So bringing somebody in, was definitely something I'm glad I did. I just wish I would have done it a little bit sooner.   Kiera Dent (14:17) Sure. And Christy, I'll take all the plugs. Like, of course, the Dental A Team, like, yeah, having a coach is always a good thing. We love you as a client. And Tip, I know I really just watched you grow. And I do think that having someone teach you what you don't know. And mean, Christy, you came in with a lot of experience. So even like dentists who weren't assistants, weren't hygienists, I mean, you already came with a pretty good dental pedigree chart to you ⁓ to have that. agree. And even for me, I'm like, I coach businesses and yet having a coach, having someone guide me that's been there, done that, done that successfully, I think.   Dr.Christy Moore (14:20) Ha   Kiera Dent (14:47) is so helpful and I agree the leadership piece it's like well you did four years of dental school to learn how to get that prep get that crown it's like well let's also do at least that amount of time to be leaders and leadership is not like something you you end up at you get your degree it's a forever journey so it's like all right here we are let's settle in like this is what we elected to do but Christy I do and Tiff will say that she's watched you grow a lot which is really fun for us to see you grow and evolve too ⁓ but   Dr.Christy Moore (15:01) No. Yeah.   Kiera Dent (15:15) I've teased this out a couple of times. Christy has the Botox practice. Like they, she actually has done it. She's cracked the code. So many offices are like, no, I only have Botox in here to do my own face. So Christy, I want to talk about this because I've been jonesing to talk about this. I secretly want to know too, but how on earth have you cracked the code to get Botox to be a profitable portion, a big piece of your practice? ⁓ Because I think like everybody wants to do this and no one knows how to do it. Like literally, I think you are my first office to ever.   actually have it be successful. So Christy, take us away on Botox. I know people, I'm I've been waiting to drop this because I'm like, it's going to be so great. No one knows how to do this other than Christy Moore. So let's let it rip.   Dr.Christy Moore (15:57) Well, the thing too is like anybody can do it. Like if I can do it in Sweetwater, Tennessee, like anybody can do this anywhere. Actually, I started with the first course that I ever took was probably, I think it was like 2016 or something like that. And the only reason I took the course was because I had the girls in the office wanted me to do it and a couple of patients. Yeah. And so I went and took the course and while I was at the course, I ended up signing up for the TMD course like the next day. Like that wasn't even on the plan.   Kiera Dent (16:15) Yep. ⁓   Dr.Christy Moore (16:26) but I went ahead and signed up for that. And that was like a true passion for me just because I was like, wow, like this does more than just, you know, helps with wrinkles. This can actually help patients. This is problems that they're having when they come in the office. And so like I did that part and then I come back to work and it's like, okay, now what? You know, so like one of the things that I started doing was I was like, okay, girls, you got to get in the chair. We're going to do some, we're going to do some Botox on you, you know? And so that was kind of how it started. We, did the team members.   Kiera Dent (16:51) Yeah.   Dr.Christy Moore (16:54) I had a few steady patients that would come in, but it really didn't go quick. It was a slow going thing at first. ⁓ And then I started talking to patients about TMD issues, clenching and grinding, they're coming in with headaches. Men typically don't have pain associated with it, but a lot of women do. And so I would say, well, you know what? What's really helped me is that I can go in here and treat your masseters.   and with some Botox there and then that can help you quit clenching and it helps with headaches. I'm going over that and then their next thing out of their mouth is, well, if you can do my massagers, can you help my face too? And I'm like, oh, well, actually, yes, we can. We can help you out there. And then it just kind of get a little bit more, a few more patients, word of mouth. And it really wasn't until probably about two or three years ago.   you know, we just doing more and more people. And then I brought in a marketing person who's actually my daughter and she's my treatment coordinator as well. And she's just really put it out there on social media. And she got these PowerPoints together and this is what we play. Like it's in the reception room, it's in all the treatment rooms. And it's just like what can be done, what all we offer. And so from 2016 to now,   Like we've moved from just doing like Botox, but we kind of do like all the stuff. You know, we do filler, we do threads, we do smooth threads, we do lifting threads, we do micro-needling. And then we recently just got a laser as well. So, you know, that's one of the things that just kind of getting the word out and letting people know is the biggest hurdle. And that was probably the biggest thing that helped us for sure about getting the word out. Now we have people...   that call in and like we just recently had a guy call in and he wanted to a coupon. I want to know if we had coupons for the wife because he wanted to give her a gift certificate for a Botox. He found us online. So just getting the word out there is probably the hardest thing, but it's the best thing to do. treating your team members because they're walking advertisements. And who better to practice on than your team members because   Kiera Dent (18:55) Thank   Dr.Christy Moore (19:11) You know, if you mess up, which you can, you know, they're more forgiving and then you get, you know, the next time around you get another little chance to do it a little bit better. And then you're like, okay, now you're learning. So not only are you getting advertisement out there, but you're learning as you go too. And I've done like all kinds of training. And I don't just go with one person. Like I've done like several different.   I've done faces, I've done metastatics, I've done the AAFE, I did a couple of different individual people because I feel like if you can learn from everybody and take a little bit from everybody and then you bring it in and make it your own and I think that's kind what we've done at our little office.   Kiera Dent (19:56) I love it, Christy. Okay, let's talk about it. A few things I've noticed is you guys have a big Botox sign in your practice. I think it's hot pink. Is this really true? I'm pretty sure. I thought about you, right? Okay, so.   Dr.Christy Moore (20:05) Mm-hmm Yeah, we have a slideshow   and it's got it's got all the talks it's got everything on there. Yeah The neon sign Yeah   Kiera Dent (20:13) Yeah, so one thing is, it's neon. That's what I'm saying.   It's like a tube neon, Botox across her wall sign that I'm like, okay, number one, yes. This is what I'm talking about. When you wanna market something and people are like, I can't get Botox. I'm like, well, nobody even knows that you even do it. So, Christy, you're like loud and bold about it. It's a hot pink sign that I remember. I saw people under it. I've seen it on your social. But one of the things, like how else?   Dr.Christy Moore (20:23) Says less talks about it. Yeah.   yeah.   Kiera Dent (20:42) I also love that you talked about you treatment plan it in. Like you as a dentist are treatment planning this Botox and looking at their masseter muscles, just like anything else. I feel like you've done a really good job of pulling that into just even do it clinically, not just aesthetically, which I think that's also really great. But what would you say if I'm a new dentist? And I also love these to have taken it from so many people because I did have someone give me Botox and I full blown got a halo.   Like it was so thick, it was so heavy. And I'm like, oh my gosh, I've never, like, I need my eyebrows off my eyes. Like get that up. It feels terrible. So I'm glad to hear that you're like just constantly going, but what would you say? Okay, new dentist, I just took the course. I'm super excited. I think one, it bold. Two, do the masseters. Cause that's a very easy way to start treatment planning and talking about it for word of mouth. But what else would you say to do? Like, I mean, you got the whole PowerPoint. So.   What would you say would be avenue one, two or three to really grow this to get it as a big portion of my practice?   Dr.Christy Moore (21:39) Working on friends and family, working on your team, that's the number one thing. And then just getting it out there on social media. Having your team, even if you're doing injections on them, videoing that, getting out there and doing stuff. like Laken, she makes me do things that is uncomfortable for me. And so she's like, oh, you'll be fine. You're gonna get out here and you're gonna do it. She did like a...   a Facebook live where I'm doing filler and she asked me a question and I don't answer her and she's like, what? was like, well, maybe I didn't know the answer. So if I don't know the answer, I'm just not gonna answer you. And she's like, well, it's okay. I'm just doing filler words here. We're just trying to make the conversation go. And I'm like, okay. But getting out there and just letting people know, that is the biggest thing. It's new to our practice. It's, let's.   do specials, like we've done Botox parties. ⁓ We did like a Sips and Scans and Botox. We've done kind of all types of little things where we've actually give people discounts just to get them in. We've actually gone out and gave ⁓ like little coupons out to like the different salons in the area, just trying to get the word out there any way that we can to let people know, hey, we're doing this. Who's gonna know your face better than anybody than a dentist? I mean, we have like a whole semester on just   head and neck anatomy. And so like that's, it's just the thing that they're like, I didn't know a dentist could do that. And you know, and it's like, well, yeah, like we're probably really good at doing it. You know, just because we do know the muscles, we do know everything as far as like this works this way, this works that way, you know, making sure that you're treating the patient, not just the face, like making sure that we're, cause I do have people come in and they're like, well I want some Botox up here.   Kiera Dent (23:15) Thank   Dr.Christy Moore (23:33) And it may be like older ladies and like they've already got the hooded eyelids. And I'm like, honey, I can't do a lot of Botox up there. Like I can take away your wrinkles, but if I do that, like you're not gonna be able to hold your eyelids up. So it's gonna make it harder for you to see. When they're like, oh, well, I don't want that. So just kind of knowing your anatomy, knowing what muscles do what, and then not being afraid to go in and just try it. Just get in there and do it. It's not.   Even if you think you've messed somebody up, I mean, it's what, three months? So it's not anything that you can't recover from. And then patients are very forgiving. They're very understanding. ⁓ In my time of doing it, I've had two people that I've actually give a little crooked smile to. And both of them are like, it's okay. Don't worry about it. And I feel horrible. And they're like, no, it's okay. It'll be better. It's not really that noticeable. And I'm like,   Kiera Dent (24:06) Exactly.   Dr.Christy Moore (24:31) I notice it, you know? So I'm just doing it because people, want it. They don't want to go anywhere else. They want you to be able to do it. And if you can do it, then why not? You know? So I think that just not being afraid just to try it and do it and just, even if you're scared, like do it scared. Like I heard, I seen that the other day and it was like, you I'm nervous every time I get up and speak in front of somebody and they're like, well, how do you do it? He said, I just get up and do it scared. I'm like, that's...   Kiera Dent (24:42) Mm-hmm.   Dr.Christy Moore (25:00) That's so interesting because a lot of people, they're like, well, I'm scared. I'm not going to do it. And so if you don't do it, you're never going to not get scared or not get you. You got to get comfortable. You got to be comfortable being uncomfortable. And that's the only way to do it is just to get in there and do it.   Kiera Dent (25:17) I agree. Christy, I love that. And I love that you just talked about, like, I think something that you did differently is you decided this would be a portion of your practice. It's not just for the ladies in the practice. You're like, no, we're going to have this as a portion. We're going to make this like it's a full procedure in our office. I'm not just doing it for like our team. And I think that that's something where you went in with that attitude. I think there's a huge passion that you have on it, but I agree. think there are girls like, Kiera, who does your Botox? I'm like, the dentist. And they're like, what?   Dr.Christy Moore (25:45) Mm-hmm.   Kiera Dent (25:46) And I'm like, yeah.   Dr.Christy Moore (25:46) Yeah.   Kiera Dent (25:47) And I also love dentists because I went to a dentist versus an esthetician versus an MD. I've gone through three different people. The esthetician gave me the most amount of Botox. That's the one where I got the hood. Like, believe it or not, she's the one who gave it to me. And like, the amount of Botox she put in me was incredible. Then I went to an MD who was doing it. And he also like it was a lot like my face was frozen solid, frozen, frozen. And I'm like, all right, so we're like,   he did bro-tox, which that's a good phrase. I think that if you wanted to target the men, he called it bro-tox for the men, which I that was super clever. But my husband even like, he could not move his face at all. So it was a little, in my opinion, excessive. But dentists I feel are more conservative on the botox level. You don't tend to go quite as much as the estheticians or the MDs, which I appreciate. ⁓ Like you said, you know the muscles, you know the anatomy super well. And I think like, go for it, have it as a portion.   Dr.Christy Moore (26:21) Mm-hmm.   Kiera Dent (26:43) So with your numbers, because Christy, I know you know your numbers, like what percentage of your practice does Botox bring in? Do you know that? I could be putting you on the spot. So maybe I'm like, you're taught her and I'm asking you questions you don't.   Dr.Christy Moore (26:53) Yeah,   I'm not really 100 % sure to be honest with you. I would say it's at least probably at least 10%. You know, I would like for it to be more. And that's one of my goals is to get that side of the business to be, you know, grow and be more because like for me, like as a dentist, we hear all the time, you know, I hate the dentist. Oh, no offense, but I hate the dentist. Are you going to stick that needle in my mouth? Are you going to stick that in my guns? You know, I've never had one person ever say,   Kiera Dent (27:01) I think so too.   Dr.Christy Moore (27:23) I hate my injector. You know, are you going to stick that needle in my face? Like, no, they love you. They want the, and they, they, they will pay money for it. You don't have to worry about insurance, you know, when you're doing that part. So I would definitely like for that to be more like, if I can have my whole day just doing like the aesthetic stuff, like that would be my ideal day, you know, because that's, it's, it's almost like, it's like a masterpiece. You know, you've got, you've got this canvas and you're not changing people. You're just enhancing what they already have.   Kiera Dent (27:43) was amazing.   Dr.Christy Moore (27:53) You know, like I don't want to go in, my goal is that when somebody leaves the practice that they don't actually look like they've had Botox or they don't look like they've had filler. I want them to look fresh, not frozen, like you said. And so like, you know, that goes back to like knowing the muscles, watching the patient, treating the actual patient instead of like the cookie cutter, you know, oh, well, to treat the glabella, you know, you need, you know, 20 to 24 units, you know, to treat the frontalis, you need 20 to 24 units, you know.   It's like, okay, well, they pull really hard here, but they don't really pull hard here. So let's treat it this way, you know? And so, like, so, cause each one of them are like FDA approved for a certain amount, you know? And that, and that's like the standard, but everybody's different. And so that's my, you know, I just want to make sure that I treat the patients, treat the patient the way the patient needs to be treated.   Kiera Dent (28:30) Yeah.   Amen. And I love that about Christy and I think like, okay, I just did some math. So let's say you have a million dollar practice 10 % that's 100 grand pulling in, which I know Christy, your practice is not the million dollar practice. You guys can do the math, you can figure it out. But like if it's 10 % think about that, that's an extra hundred thousand. The overhead on it's pretty minimal. It's a great piece. Like you said, you're able to do these extra pieces. And you're right, there's no insurance. People pay top dollar to stay looking young. It's incredible. Like   Dr.Christy Moore (29:11) the   Kiera Dent (29:12) ⁓ I also was thinking of there's people all around here and they're called like the injection queen or they're like, so it's like really on their social media. It's not just their dentistry piece, but it's this whole portion of aesthetics that people then are coming for it because they want to look good. I saw an office at dental practice and they literally have a Botox membership plan. And I was like, that is freaking clever. Yeah, tell us about it. Okay, tell more about this. How does it work and do people really sign up for it? Cause I think it's so smart.   Dr.Christy Moore (29:32) We have that. Yeah.   Absolutely,   absolutely they sign up for it. And so I, of course, I don't try to reinvent the wheel. I got it from somebody else, but it's basically a membership plan. They pay for 20 units for the year. So it's 20 units for four times throughout the year. If they don't use it, they lose it. But once they pay for that, so their initial upfront payment is probably a little bit more, but it ends up saving them about $300 throughout the year.   Kiera Dent (29:58) Mm-hmm.   Dr.Christy Moore (30:07) but it actually like they pre-play for 20 units each time. so, you know, so it's just, and then they get a discount on the actual dollar amount that they actually get. So, you know, like if you have somebody that typically gets 50 units, then they only have to pay for 30 units each time that they come in.   So it actually, and I tell them, they're like, ⁓ that's a whole lot better, because then my husband don't ask questions on, it's less, that's less about. And I'm like, yeah, absolutely. And I've had people actually even put money in, pay throughout that just so that they have it. And that's when I was like, well, why don't we do a membership plan? That makes it a whole lot easier. And also I wanted to reward my patients that have been loyal, that have been coming in. Times are changing, and so prices go up.   Kiera Dent (30:46) yet.   Dr.Christy Moore (30:56) And so like I didn't really want to have to like increase my price just because, know, you know, I've been doing it for a while. I've really not changed my price and I didn't want to have to change my price. So my people that have been coming in and loyal to me, I wanted to be able to give them, give back to them and give, you know, give them the opportunity to keep it at the price that I was doing it for. And so that's kind that was one of the other, you know, benefits for me is so that I could actually give back to those people that trusted me with their face.   when I was still learning and stuff. ⁓ And so it's worked out really well. I don't know how many people we have on it now, but we get people like just about every day when they come in, we'll have at least like one or two a week that'll sign up on the membership plan.   Kiera Dent (31:41) which is so smart because Botox is like better than profies. Like they have to come in every three months rather than every six months. ⁓ It is something where I'm not gonna lie. Like my husband, it was random. He did tell me, I got it done. And a couple of days later, he didn't know. Cause I get it on the road, Christy. I'm one of those, I mean, I work with a lot of dentists. So when I'm traveling around, I get my face frozen and I came home and my husband's like, gosh, Kiera, you look a lot better. Like what, did you change your hair? And I was like,   Dr.Christy Moore (31:45) Mm-hmm.   Kiera Dent (32:09) No, my face just looks younger and you can definitely tell and I appreciate that. And when you get that reinforcement, you're like, yes, I'm going to keep up with this and I want to. And it's the only like proactive preventative way right now. Like there's biohacking on all the levels, but just having that as a piece for it. And so I think it's just an awesome, awesome thing to do. I love the membership plan. I love that you're growing it. Like this is where I saying, like you have cracked the code on how to do it. And I was like, I've got to dig into this. And I want people to hear because   Dr.Christy Moore (32:16) Yes.   Kiera Dent (32:37) I think Christy, it also keeps your excitement for dentistry alive. I think you get passionate because it's a new passion project. It's fun for you. It's something different. I love that you said like, I want you looking fresh, not frozen. It made me giggle. like, you want me to still look alive rather than dead in my coffin? Like, God, I agree. That's how I want to feel too. So thank you. ⁓ But any other thoughts you have of practices wanting to put in Botox or anything else about your practice? Because this is like   Dr.Christy Moore (32:44) Mm-hmm.   Yes.   Kiera Dent (33:02) the nuts and bolts of what I want to talk about tonight. So any last thoughts you have around it, because I truly appreciate you just coming on and sharing what you're doing in your practice.   Dr.Christy Moore (33:11) I think the biggest thing is just, you you just have to do it. You know, like I said before, if you're scared to do it, just do it scared. You know, after so many times, it's not as scary anymore. Like we actually have ⁓ in our schedule, like we have blocks for like our tox patients for them to come in. And so, you know, those may get filled, they may not get filled. But when they get filled, like it's always like, it's usually an extra anywhere between 500 to $1,000.   for just a little extra that doesn't really take me that long. Like I come in and I look and I'm like, okay, this is what we're gonna do. The girls draw it up, they have it already. I come back in, the face is clean, the photos are taken. We did injections and then the patient's out the door. And so it's basically like a hygiene check for me. So I'm in and out quick. But the patients have been in there with a team member, so they feel like they're getting heard.   Kiera Dent (34:00) Mm-hmm.   Dr.Christy Moore (34:09) They know all of their concerns are being addressed. so, you know, just having a team there that supports you and believes in you. And like once they believe in you, then, you know, then that's how the patients start believing in you.   Kiera Dent (34:22) Awesome, Christy. I love that so much. I'm like, gosh, doctors, when you're complaining to us about your Delta Dental ⁓ exam pricing, well, maybe throw a little bit of those botox ones. Like you said, I'm like, $500 exam versus my $30 exam feels a little bit more fun, a little more fun for you. But Christy, kudos to it. And all of you listening, I hope you just took notes. You realize like you can add these as portions of your practice and not just like a small sliver, but a true like 10 % of your practice bringing that in.   having it be a big portion of it. And like you said, giving back to people. I prefer a dentist to do my Botox over an esthetician or an MD. And that's me personally, who's gone to several different people, people who are the best, people who are over that. And I mean, Botox are paying $10 to $12 a unit with Botox or Disport. That's a pretty good gig all the way around. And I just think it's a fun thing. So Christy, thanks for being in our life. These are the things, the way I found out was in our doctor mastermind. We have our doctor only, and I was like.   Christy's doing Botox, I'm gonna put it on the podcast and talk about this more. So this is fun stuff to also have you as a client, to have you in our life, to have you in our world. You just bring a wealth of goodness, Christy. So thanks for being on the podcast. I know it's the end of your day, so thanks for coming. Yeah, of course, super happy to have you. Of course. And for all of you listening, go figure out how to put Botox in your schedule. Go figure out how to do this. Do it scared, whatever it is for you, do it scared. If we can help in any way, reach out Hello@TheDentalATeam.com. And as always, thanks for listening. We'll catch you next time.   Dr.Christy Moore (35:28) Well, thank you.   Thank you.   Kiera Dent (35:47) The Dental A Team podcast.  

If there is one thing we can almost guarantee, it's that Leogang will provide some incredibly tight racing. This year was exceptionally snug. Dry conditions and a similar track layout as years before meant little time was spent sorting out line choices or using the brakes. The recipe was simple: rally the main line with confidence and tuck-to-win on the motorway. And what transpired was some of the most competitive racing we've ever seen and a lot of talk about the safety, speeds, and simplicity of tracks. Tag along as we discuss the validity of these concerns, along with how Dak's first race back went, the back-to-back Canadian double victories, 510s athlete summit, Y2K freeride fashion, and more. 0:13 - What is 510's athlete summit all about? 3:50 - How Dak as an athlete benefits from the summit8:42 - Balancing expectations and deliverables with sponsors10:25 - Dak follows Danny Hart in Schladming11:51 - When are the 510 Desert Storm boots coming back??13:11 - Freeride fashion = Y2K14:32 - Dak just learned about Apple Pay16:05 - Dak's weekend in Leogang20:14 - Hardest part of the track in Leogang?22:11 - Critiquing the motorway 23:56 - Where are the jumps??24:48 - The need for new sections of track26:22 - Are tracks too fast/too straight? Or is competition just high?45:13 -  Wall ride gossip  48:08 - Do you race with your phone in your pocket?49:50 - Jackson was racing on an e-bike53:19 - Why aren't TMD mounted at the front axle54:55 - Are enduro bikes more useless than downhill bikes? 57:56 - Ellie Hulsebosch's TMD falling off in finals58:17 - Best World Cup racer to never have won a World Cup?59:17 - Maxxis Make or Brake Section 1:03:54 - Dak doesn't ride used tires1:07:12 - Junior Women's Race Recap1:10:34 - Junior Men's Race Recap1:16:05 - Elite Women's Race Recap1:24:21 - Elite Men's Race Recap1:26:05 - NOTICE: there is less practice this year with Q1 / Q2 schedule1:32:53 - Ronan Dunne's race craft is maturing1:41:16 - Burgtec Labour of Love Award1:42:55 - Is Dak ready for VDS?  

This week, we’re talking about one of the biggest money traps out there: car finance. It seems simple... buy the car, pay it off... but what if the way you’re financing it is quietly costing you thousands? From mortgage refinancing to dealership loans, Victoria breaks down the smart ways (and not-so-smart ones) to fund your next car, and the red flags to look out for before you sign anything. And we've got a heated child support DM that had us all fuming. When a co-parent uses child support as ammo against their ex, what’s fair game, and what crosses the line? We get deep into emotional manipulation, kids' financial literacy, and how to protect your peace (and your children’s) when the other parent is being... not so financially kind. Plus, it's Friday so there's all the unhinged money chats you know and love. WANT LEARN HOW TO INVEST? The Investing Masterclass is here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

If you're earning good money, but you feel like your bank account doesn't really reflect it, then this one's for you, because most high income owners are stuck in these default settings when it comes to their money that quietly is costing them 1000s every single year. So, in this episode, we're going to unpack the smart, strategic money moves that most people don't make, but that you still can. So, whether it's lazy cash or tax drag or a stagnant investment portfolio will show you how to shift gears and get your money compounding fast.    Want to make smarter money moves and get ahead faster?  Upcoming events: https://www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Learn more about Pivot Wealth: https://pivotwealth.com.au/ Check out Ben's book, Get Unstuck: https://www.getunstuckbook.com.au/   Check us out on socials:    TikTok: https://www.tiktok.com/@bentalksmoney Instagram: https://www.instagram.com/pivotwealth/ Youtube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ Chat about how Pivot Wealth can help with your money: https://calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth   Note: The advice shared on this podcast is general in nature and does not consider your individual circumstances. The podcast exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, and TMD and obtain appropriate financial advice tailored towards your needs. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055

When over 50% of a portfolio's offshore assets are USD-denominated, currency risk isn't just a theoretical issue—it can be a real drag on performance. In episode 75 of the Portfolio Construction Podcast Series, Paul O'Connor (Netwealth Head of Investment Management & Research) speaks with Tom Averill, Managing Director of Rochford Capital, about how investors can more effectively manage USD exposure—especially with the AUD near the low end of its long-term range. They discuss why traditional hedging tools often fall short, how the Rochford Leveraged Long AUD Fund provides targeted FX exposure through OTC derivatives, and why this can be a more accurate, scalable, and tax-efficient solution than switching between hedged and unhedged funds. Also covered: the macroeconomic outlook for the Australian dollar, implications of the US credit downgrade, the growing structural role of China, and how geopolitical shifts are reshaping global currency dynamics.   To learn more about today's guest and Netwealth, visit:

Division 296 is coming. With its significant win in the recent Federal election, the Government is on track to introduce legislation for this measure, possibly within the first few sitting days when Parliament resumes in July. What should clients be doing, and when should they do it by? Disclaimer: Information current as at 11 June 2025. This podcast has been prepared by BT Portfolio Services Limited ABN 73 095 055 208 AFSL 233715 (BTPS), the operator of Panorama Investments; and BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) the trustee of Panorama Super, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account and the BT Cash Management Account Saver. Together, these products are referred to as the Panorama products. BTPS, BTFM and WFSL are subsidiaries of Westpac. A Product Disclosure Statement or other disclosure document (PDS) and target market determination (TMD) for the Panorama products can be obtained by contacting BT on 1300 784 207 or by visiting bt.com.au. A person should obtain and consider the PDS and TMD before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. This podcast has been prepared for use by advisers only. It must not be made available to any client and any information in it must not be communicated to any client. This podcast provides an overview only and should not be considered a comprehensive statement on any matter or relied upon as such. Projections given are predictive in character. Whilst we have used every effort to ensure that the assumptions on which the projections are based are reasonable, the projections may be affected by inaccurate assumptions or may not take into account known or unknown risks and uncertainties. The results actually achieved may differ materially from these projections. This information does not take into account your clients' personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to these factors before acting on it. Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in BT Panorama. Awards and ratings are current at the time of publication but are subject to change. BTPS cannot give tax advice. Any tax considerations outlined in this document are general statements, based on an interpretation of current tax laws, and do not constitute tax advice. As such, you should not place reliance on any such taxation considerations as a basis for making your decision with respect to the product. As the tax implications of investing in this product can impact individual situations differently, you should seek specific tax advice from a registered tax agent or registered tax (financial) adviser about any liabilities, obligations or claim entitlements that arise, or could arise, under a taxation law. If you need more information to complete your tax return, please consult your accountant or tax adviser to obtain professional tax advice. Please keep your BT Tax Statement and this Guide for income tax purposes. The information in this commentary regarding legislative changes is intended as a guide only. It is not exhaustive and does not constitute legal advice. It is based on our interpretation of the law currently in force on the date of this document. BTPS does not undertake to provide any updates to the extent that any of the laws or regulations referred to change in the future. Consequently, it should not be relied upon as a complete statement of the relevant laws, the application of which may vary, depending on your clients' particular circumstances.

What if the secret to building a trillion dollar fortune wasn’t flashy trades or risky crypto bets, but something so boring, it’s actually kind of genius? In this episode, we’re taking a look at the investing strategy of the world’s most low-key billionaire... and showing you exactly how to start doing it yourself (no, you don’t need a six-figure salary or a finance degree). From his first investment at age 11 to the simple rules he swears by, we unpack the mindset behind Warren Buffett’s slow-and-steady success... and why it just might be the smartest way to build your own wealth.

Afterpay and all other buy now pay later lenders just got slapped with the same laws as credit card lenders…and that means tighter lending criteria Apple announces sleek new updates at WWDC 25… but kicks the Siri AI overhaul further down the road Warner Bros. Discovery is splitting into two companies – one for streaming, one for old-school TV to reinvigorate investors _ Learn more about iShares by BlackRock here Download the free app (App Store): http://bit.ly/FluxAppStorel Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. Issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523. Refer to FSG available on our website. Before making any investment decisions, you should assess whether the product or service is appropriate for you and read the PDS and TMD available at blackrock.com.au.See omnystudio.com/listener for privacy information.

In this episode I sit down with Geoff Wilson, the founder, chairman, and Chief Investment Officer of Wilson Asset Management. He has over 45 years of experience in investment markets, managing over $5.8 billion for more than 130,000 retail investors through nine listed investment companies (LICs) and two unlisted funds. We chatted about his journey from working as a “glassy” at a rough Melbourne pub to founding one of Australia's leading investment firms.Blog post available at: https://www.sharesforbeginners.com/blog/geoff-wilson-wamLevel up your investing with Sharesight, Investopedia's #1 portfolio tracker for DIY investors. Track 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place. Ditch the chaos, track like a pro! Sharesight makes investing easy. Get 4 months free on an annual premium plan at https://www.sharesight.com/sharesforbeginnersTony Kynaston is a multi-millionaire professional investor thanks to his QAV checklist. Tony's knowledge and calm analysis takes the guesswork out of share market investing. Use the coupon code SFB for a 20% discount on QAV Club plans or SFBLIGHT for a free month of QAV Light. Here's the link to sign up: https://qavpodcast.com.au/register-3/Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Shares for Beginners is a production of Finpods Pty Ltd. The advice shared on Shares for Beginners is general in nature and does not consider your individual circumstances. Shares for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

She thought she was good with money. Her salary was solid. Her bills were paid. She was even traveling. Life looked fine... until it wasn’t. This week’s Money Diary is all about the slow realisation that earning well doesn’t mean you’re building wealth. After a divorce, a court battle, and two lost properties, she hit financial rock bottom. But what really shook her? Watching a $20K bonus disappear, and not being able to say where it went. That was the moment everything changed. She started tracking every dollar and bought a place to call her own doing the work to build a future she's proud of. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

David Jones is in the red again but its private equity owners are going all-in with a $190 million debt boost. Tesla saw $150 billion USD wiped off its value late last week after Elon Musk and Donald Trump bromance is officially over. Hermès Australia is defying the cost-of-living crisis after record sales in Australia… and sending a a huge chunk back to Paris. _ Learn more about iShares by BlackRock here Download the free app (App Store): http://bit.ly/FluxAppStorel Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. Issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523. Refer to FSG available on our website. Before making any investment decisions, you should assess whether the product or service is appropriate for you and read the PDS and TMD available at blackrock.com.au.See omnystudio.com/listener for privacy information.

Keen to narrow down and get focused on some goals? You need this episode stat! Jess shares her method for determining your values and goals so you can move forward with intention.To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here.We hate email spam so we don't create it! Sign up to the money money money newsletter to get only the valuable money, careers and property info you need.Have a question or topic for the show? Post it in our Facebook group.To get help click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.Jessica Brady is an authorised representative of Paragem Pty Ltd. Authorised Representative No. 1259972 | AFSL | 297276 ABN | 16 108 571 875 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.

You’ve finally built up a bit of savings, so… what now? Do you keep stockpiling cash, or is it time to back yourself and start investing? This week on Friday Drinks, we’re tackling the save vs. invest debate. We’re not here for one-size-fits-all answers, we’re here to help you figure out what move actually fits your life and your goals. And then it gets juicy. We unpack a seriously tense inheritance dilemma involving family property, blurred boundaries, and a brother with big expectations. It’s full Friday Drinks energy: spicy, thoughtful, and packed with the kinds of money convos no one else is having (but we all need to hear). WANT LEARN HOW TO INVEST? The Investing Masterclass is here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

How can dentists help kids breathe, sleep, and grow better—even if the problem isn't the teeth? When should you refer, and what tools can you use right now in your practice? In this AES special episode, Jaz Gulati is joined by Dr. Liz Turner and Dr. Meggie Graham—general dentists who have evolved their practice with a deep passion for airway and whole-child health. They walk us through five real patients, including Jaz's own son, to show what airway dentistry looks like in the real world. From growth appliances and myofunctional therapy to inflammation control and ENT collaboration, this episode connects the dots between breathing and behavior, development, and even dental crowding. https://youtu.be/Y6EfufPd98E Watch PDP226 on Youtube Protrusive Dental Pearl: "Don't stay stagnant—keep learning, keep growing, and reinvent yourself every 5–10 years." Think of your dental career in seasons—explore new areas, refine your interests, and let go of what no longer brings you joy. This keeps your passion for dentistry alive and evolving. Need to Read it? Check out the Full Episode Transcript below! Key Takeaways Airway dentistry is a growing field that emphasizes prevention. Understanding airway issues can lead to better health outcomes. Dentists can play a crucial role in optimizing health through airway management. Health optimization is a key focus in modern dentistry. Interdisciplinary collaboration is essential for effective patient care. Functional dentistry addresses the root causes of dental issues. Children's airway health can significantly impact their development. Dentists should feel empowered to make positive changes in their patients' lives. Facial aesthetics can significantly impact self-esteem and health. Nasal breathing is crucial for overall health and well-being. Quality of life can be improved through better patient care. Breastfeeding plays a vital role in a child's development. Addressing sleep issues in children is essential for their growth. Understanding the connection between breathing and systemic health is vital. Highlights of this episode: 02:04  Protrusive Dental Pearl 04:08 Interview with Dr. Liz Turner 06:18 Interview with Dr. Meggie Graham 07:43 Personal Journeys into Airway Dentistry 16:26 ENT Referrals 21:55 Understanding Airway Symptoms and Treatment 26:10 Patient Case Studies and Treatment Approaches 36:46 The Importance of Nasal Breathing 45:30 Pediatric Airway Concerns and Solutions 55:09 Educational Resources and Final Thoughts

In this episode of the Mo Money podcast, we're breaking down what's happened in markets through the month of May, where the share market is at off the back of the volatility and tariff situation, what's happening in the property market at home off the back of the interest rate cuts, and what smart investors should be doing today. So, this episode is perfect for anyone that wants to cut through the headlines and make the smartest investing moves for them.   Want to make smarter money moves and get ahead faster?  Upcoming events: https://www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Learn more about Pivot Wealth: https://pivotwealth.com.au/ Check out Ben's book, Get Unstuck: https://www.getunstuckbook.com.au/   Check us out on socials:    TikTok: https://www.tiktok.com/@bentalksmoney Instagram: https://www.instagram.com/pivotwealth/ Youtube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ Chat about how Pivot Wealth can help with your money: https://calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth   Note: The advice shared on this podcast is general in nature and does not consider your individual circumstances. The podcast exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, and TMD and obtain appropriate financial advice tailored towards your needs. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055

I recently had the pleasure of sitting down with Oliver Mander, the Chief Executive Officer of the New Zealand Shareholders Association (NZSA). As someone who's passionate about investing and governance, Oliver offered a fascinating deep dive into the world of investing in New Zealand, a market that's small but mighty.Blog post available at: https://www.stocksforbeginners.net/blog/oliver-mander-nzsaLevel up your investing with Sharesight, Investopedia's #1 portfolio tracker for DIY investors. Track 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place. Ditch the chaos, track like a pro! Sharesight makes investing easy. Get 4 months free on an annual premium plan at https://www.sharesight.com/stocksforbeginnersDisclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Stocks for Beginners is a production of Finpods Pty Ltd. The advice shared on Stocks for Beginners is general in nature and does not consider your individual circumstances. Stocks for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

I recently had the pleasure of sitting down with Oliver Mander, the Chief Executive Officer of the New Zealand Shareholders Association (NZSA). As someone who's passionate about investing and governance, Oliver offered a fascinating deep dive into the world of investing in New Zealand, a market that's small but mighty.Blog post available at: https://www.sharesforbeginners.com/blog/oliver-mander-NZSALevel up your investing with Sharesight, Investopedia's #1 portfolio tracker for DIY investors. Track 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place. Ditch the chaos, track like a pro! Sharesight makes investing easy. Get 4 months free on an annual premium plan at https://www.sharesight.com/sharesforbeginnersTony Kynaston is a multi-millionaire professional investor thanks to his QAV checklist. Tony's knowledge and calm analysis takes the guesswork out of share market investing. Use the coupon code SFB for a 20% discount on QAV Club plans or SFBLIGHT for a free month of QAV Light. Here's the link to sign up: https://qavpodcast.com.au/register-3/Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Shares for Beginners is a production of Finpods Pty Ltd. The advice shared on Shares for Beginners is general in nature and does not consider your individual circumstances. Shares for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

What if we told you your loyalty to your bank could be costing you thousands… and your bank is hoping you never notice? By popular demand, Jaclyn Walsh from Zella Money is back to chat why refinancing could be the sneaky power play your bank really hopes you don’t make. We’re breaking down how it works, when it’s worth it, and why a mortgage broker might be your secret weapon to getting the best possible loan for you. Whether you’re looking for a better rate, more flexibility, or just want to stop donating extra cash to your bank each month, this episode has everything you need to know. In This Episode:

Catching up on the sports: NBA Finals preview, Stars fall and bench their franchise goalie, Horns lose to UTSA, Softball talk, and a little golf! Support Our Sponsors: Underdog- Download the Underdog app and sign up with promo code TMD to unlock a special offer of up to $1,000 in bonus cash when you make your first deposit – that's promo code TMD Must be 18 plus (19 plus in Alabama and Nebraska; 19 plus in Colorado for some games; 21 plus in Massachusetts and Arizona) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In Arizona, call 1-800-NEXT-STEP or text NEXT-STEP to 53342. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY Learn more about your ad choices. Visit megaphone.fm/adchoices

Would you leave a job you love, move countries while pregnant, and bet on someone else’s career dream... with the hope it could all pay off big? This week’s Money Diary is a bold one. Our diarist packed up her life in Australia to move to San Francisco for her husband’s startup job, trading career security for the chance at something bigger. Now, she’s navigating life without an income, American healthcare, wild rent, and double tax returns... all while preparing to become a mum. It’s a powerful reminder that sometimes the biggest money moves aren’t about what’s in your account. They're about what could be, if the risk pays off. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

We've all stumbled when it comes to money, but let's learn from those missteps and strive to sidestep any future financial regrets! In this throwback episode of season 1 Jess shares the most common money mistakes and regrets she's seen with clients.Check out Jess's 2-part investing series below:102 how to start investing part 1103 how to start investing part 2To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here.We hate email spam so we don't create it! Sign up to the money money money newsletter to get only the valuable money, careers and property info you need.Have a question or topic for the show? Post it in our Facebook group.To get help click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.Jessica Brady is an authorised representative of Paragem Pty Ltd. Authorised Representative No. 1259972 | AFSL | 297276 ABN | 16 108 571 875 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.

New set is upon us and we have an impossible task of figuring out which cards are grerat and which are traps without the advantage of having them ever in our hands. Data won't solve that problem but it can definitely help, by looking at the general trends in card power across mana values, colors, etc. Also we can look into the amazing #P0P1 initiative from MTG_DS, where hundreds of people put their bets on the best cards in a set before its release (which mtg_ds kindly shared with me). This let me look at the wisdom of the crowd - what cards were widely liked but turned out to be duds, which cards nobody saw coming. Why some cards fly under the radar, while some lure us into the trap?Here is the example fo P0P1 results from TMD for reference - make sure to give MTG_DS a follow - in the end it stands for Magic Data Science, you should be interested!https://x.com/mtg_ds/status/1920641850546815335Ping me for coaching. Join the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and use this ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linktree⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for everything else! Watch this episode and see the slides: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Episode #154 vid⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This podcast is sponsored by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠mtgazone.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - get your reading fix from the best and brightest Magic writers in the business.You can get the BulkBox if you are in the UK. Remember to use SIERKO10 code for a 10% discount!If you are outside of UK, you can find your local distributor on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BulkBox website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Have you ever wondered if your parents are set up for retirement? And what that might mean if they’re not? This week on Friday Drinks, we’re unpacking a dilemma that’s hitting way too many millennials right now... the quiet stress of realising your parents might not be financially ready for the future, and the pressure of what happens next. Plus, it’s starting to get colder, and that means heater wars, passive-aggressive group chats, and winter power bills that could wreck your budget faster than you can say “"put a jumper on". It’s a classic Friday Drinks: a little bit unhinged, a whole lot real, and full of the money convos no one else is having... but we definitely should be.Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Are you still using long-term provisionals just to test OVD? Is an occlusal splint really the best way to assess vertical dimension? Could raising the OVD actually harm your patient? Dr. Lukasz Lassmann joins Jaz and Mahmoud Ibrahim  this AES special episode to challenge conventional thinking around occlusion, vertical dimension, and full mouth rehab. Lukasz shares his unique perspective as a clinician, educator, and researcher, bringing clarity to a topic that often feels murky and divided. They explore real-world questions like managing asymptomatic clicks before ortho, why occlusion alone won't “cure” bruxism, and the number one reason not to raise the vertical without proper understanding. Plus, Lukasz drops an incredible airway assessment tip at the end of the episode! Protrusive Dental Pearl: Use a comprehensive TMD history-taking form to effectively triage patients into urgent (red), moderate (amber), or low-risk (green) categories—this allows you to prioritize care appropriately and build rapport by focusing on examination rather than data collection during the appointment. https://youtu.be/ZhIoUxdMMsg Watch PDP225 on Youtube Download the form: protrusive.co.uk/tmdhistory Download the Patient History Evaluation Form Need to Read it? Check out the Full Episode Transcript below! Takeaways Understanding red flags in TMD patients is essential. Patient history is vital for effective treatment. Phonetics can be unpredictable in dental rehabilitation. Diet and sleep significantly affect TMD management. Gut health is linked to chronic pain conditions. Communication with patients is key to successful outcomes. Bruxism may not be solely caused by occlusion issues. Palpating the lateral pterygoid is often ineffective and painful. Equilibration and centric relation are controversial topics in dentistry. Increasing vertical dimension can exacerbate sleep apnea. Holistic approaches are essential in diagnosing and treating TMD. Not all patients with TMD have malocclusion or attrition. Sleep apnea is increasingly common in younger, slimmer patients. Polygraphy is a useful diagnostic tool for sleep apnea. DISE (drug-induced sleep endoscopy) is a valuable diagnostic procedure. Highlights of this episode: 02:48  Protrusive Dental Pearl 04:37 Lukasz Lassman's Journey and Philosophy 08:11 Debunking Myths About Vertical Dimension 12:10 Patients in the Red Zone 23:15 The Role of Diet and Lifestyle in Facial Pain 31:38 Adapting to New Restorative Methods 34:41 Phonetic Challenges in Dentistry 39:02 The Role of Occlusion in Bruxism 41:18 Palpating Lateral Pterygoid Muscle 43:27 Centric Relation vs. Equilibration Debate 50:07 OVD Red Flag: Airway 01:03:27 Conclusion and Future Events Studies Mentioned:Gut Bless Your Pain—Roles of the Gut Microbiota, Sleep, and Melatonin in Chronic Orofacial Pain and Depression Randomised controlled trial on testing an increased vertical dimension of occlusion prior to restorative treatment of tooth wear

Well, if you hate paying tax, you're definitely not alone. So, in this episode, we're going to show you how to sort of flip the script, particularly with end of financial year around the corner. If you're wondering how to avoid a bigger tax bill and how to boost your tax refund, we're going to talk about the last minute moves that you can make right now to save a whole bunch of money in tax and then redirect that money into investments so that you can kick off the new financial year like a total pro. So, this episode is perfect for every high income earner that's tired of watching the biggest chunk of their money go straight to the ATO.   Want to make smarter money moves and get ahead faster?  Upcoming events: https://www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Learn more about Pivot Wealth: https://pivotwealth.com.au/ Check out Ben's book, Get Unstuck: https://www.getunstuckbook.com.au/   Check us out on socials:    TikTok: https://www.tiktok.com/@bentalksmoney Instagram: https://www.instagram.com/pivotwealth/ Youtube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ Chat about how Pivot Wealth can help with your money: https://calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth   Note: The advice shared on this podcast is general in nature and does not consider your individual circumstances. The podcast exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, and TMD and obtain appropriate financial advice tailored towards your needs. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055

You’ve skipped the oat lattes, cut back on everything that sparks joy, and you’re still not getting ahead. Maybe it’s not about spending less... it’s about earning more? This week, we’re talking about the power of a strategic pivot, because you might already have 87% of the skills you need to switch things up. Whether you're ready for a role that pays more or offers flexibility, we’re showing you how to back yourself before you tick every box. Victoria shares how to make a pivot without starting from scratch, how to turn side skills into job-ready assets, and why your cover letter might just be the strongest tool in your job hunt, if you actually use it properly. In This Episode:

In this episode I welcome back Andrew Page, the founder of Strawman.com, an online investment club for investors to exchange ideas and debate on buying companies on the ASX. Andrew attempts to uncover hidden gems in the Australian small and mid-cap sharemarket, blending meticulous research with a community-driven approach. His latest blog post, Four Inches into the Future, was inspired by a quip from former Goldman Sachs CEO Lloyd Blankfein. It discusses the value of focusing on what's “reasonably knowable.”Blog post available at: https://www.sharesforbeginners.com/blog/andrew-page-four-inchesPortfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Sharesight automatically tracks price, performance and dividends from 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place. Get 4 months free at https://www.sharesight.com/sharesforbeginnersTony Kynaston is a multi-millionaire professional investor thanks to his QAV checklist. Tony's knowledge and calm analysis takes the guesswork out of share market investing. Use the coupon code SFB for a 20% discount on QAV Club plans or SFBLIGHT for a free month of QAV Light. Here's the link to sign up: https://qavpodcast.com.au/register-3/Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Shares for Beginners is a production of Finpods Pty Ltd. The advice shared on Shares for Beginners is general in nature and does not consider your individual circumstances. Shares for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

She graduated top of her class, a had a house, and $200K in savings. On paper, she was set. But then came chronic health issues, three kids, and two cancer diagnoses... and suddenly the plan didn’t matter. This week’s Money Diary is about what happens when full-time work isn’t an option, savings don’t last forever, and success looks a lot different than it used to. Our Money Diarist talks about walking away from an investment property, learning to live with less, and figuring out how to rebuild without burning herself out in the process. If you’ve ever had to make hard calls, slow everything down, or just survive the season you’re in, this one’s for you. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

Jess unpacks what you need to be on top of in your 40s. It's not too late and there's so much you can be doing to support your financial life now and in the future. This is another top episode from last year!To organise a clarity call chat with Jess, or to check out either The Evergreen Money Growing Club or The Greenhouse Money Growing Program, click here.We hate email spam so we don't create it! Sign up to the money money money newsletter to get only the valuable money, careers and property info you need.Have a question or topic for the show? Post it in our Facebook group.To get help click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.Jessica Brady is an authorised representative of Paragem Pty Ltd. Authorised Representative No. 1259972 | AFSL | 297276 ABN | 16 108 571 875 | Corporate Authorised Representative No. 1305567. Hosted on Acast. See acast.com/privacy for more information.

What would you do if you had the chance to build your dream home, but your name wasn’t on the title? This week, we’re unpacking a dilemma that’s equal parts dream opportunity and legal nightmare. Plus, we hear from a listener who is pushing herself to the limit because the money is just that good. But what happens when the hustle leaves you physically unwell, emotionally drained, and one shift away from total burnout? It’s a classic Friday Drinks: a little bit unhinged, a whole lot real, and packed with the kind of fun that still makes you smarter with your money. Sort your insurances with Skye Wealth. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Westpac’s new CEO is cutting 5% of its workforce to reduce costs after disappointing investors with first half year results. Mayne Pharma shares tumbled 40% after its potential buyer has threatened to walk away its $672 million takeover bid. Bitcoin hit an all-time high yesterday after breaking through the $110,000 USD barrier - and it’s now worth more than Amazon and Google. _ Learn more about iShares by BlackRock here Download the free app (App Store): http://bit.ly/FluxAppStorel Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. Issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523. Refer to FSG available on our website. Before making any investment decisions, you should assess whether the product or service is appropriate for you and read the PDS and TMD available at blackrock.com.au.See omnystudio.com/listener for privacy information.

My guest this week is Jeff Sarti, CEO of Morton Wealth. Jeff is a CFA charterholder managing over $3 billion in assets, and the author of the Healthy Skeptic newsletter where he challenges conventional investing wisdom. We talked about true diversification, the risks of outdated strategies, and why alternative assets are stealing the spotlight.https://www.stocksforbeginners.net/blog/jeff-sarti-morton-wealthSharesight automatically track price, performance and dividends from 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place.Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Get 4 months free at https://www.sharesight.com/stocksforbeginners. Get 4 months free on an annual premium plan when you use Sharesight, the award-winning portfolio tracker. Sign up for a free trial today.Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Stocks for Beginners is a production of Finpods Pty Ltd. The advice shared on Stocks for Beginners is general in nature and does not consider your individual circumstances. Stocks for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Mo Money podcast, we're chatting about why you're not rich yet and what you can do about it. Because here's the truth, if you're earning good money, but you're still not where you want to be financially, you're definitely not alone. We talk to people all the time that are earning really good incomes, that are smart, switched-on people, and they're still feeling stuck.  So, we wanted to talk about why, some of the silent traps that can keep high income earners spinning their wheels and the real ways that you can move the dial and get ahead. We're going to get into money systems, how to build momentum, and the practical shifts that can unlock progress faster without sacrificing your lifestyle. So, if you've ever felt like you should be further ahead by now, this episode is for you.    Want to make smarter money moves and get ahead faster?  Upcoming events: https://www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697 Learn more about Pivot Wealth: https://pivotwealth.com.au/ Check out Ben's book, Get Unstuck: https://www.getunstuckbook.com.au/   Check us out on socials:    TikTok: https://www.tiktok.com/@bentalksmoney Instagram: https://www.instagram.com/pivotwealth/ Youtube: https://www.youtube.com/c/BenNashPivot Facebook: https://www.facebook.com/pivotwealth/ Chat about how Pivot Wealth can help with your money: https://calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth   Note: The advice shared on this podcast is general in nature and does not consider your individual circumstances. The podcast exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, and TMD and obtain appropriate financial advice tailored towards your needs. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055

You’ve planned your budget, built your emergency fund, and followed all the financial advice... but what happens when life throws something so big, so chaotic, that none of it is enough? In this ep we're joined by special guests, and the writers of new book Broken Brains, Jamila Rizvi and Rosie Waterland. Two women whose lives were turned upside down by illness, trauma, and the brutal reality of trying to keep your head above water when your brain and body won’t cooperate, and the bills keep coming anyway. We talk about the invisible costs of being unwell, the gap between public support and real-life needs, and the quiet shame that follows financial instability and even lasagna inequality (yes, really). It’s raw, it’s funny, it’s deeply human, and it might be exactly what you need to hear right now. Content Warning: This episode contains discussions of serious mental illness, trauma, childhood abuse, psychiatric care, and financial distress. Please listen with care, and know that support is available. If you or someone you know is struggling, contact Lifeline at 13 11 14 or visit Beyond Blue. Broken Brains by Jamila Rizvi and Rosie Waterland – Grab your copy here!Follow Rosie Waterland on Instagram and follow Jamila Rizvi on Instagram Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

The RBA has cut the cash rate by 0.25% to 3.85%, but warns that Trump’s tantrums could still shake the Aussie economy Monash IVF has warned of an ugly update to its profit guidance after an embryo mix up caused share prices to fall 34% Netflix has signed a deal with Sesame Workshop to make Netflix the new streaming home of Sesame Street. _ Learn more about iShares by BlackRock here Download the free app (App Store): http://bit.ly/FluxAppStorel Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. Issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523. Refer to FSG available on our website. Before making any investment decisions, you should assess whether the product or service is appropriate for you and read the PDS and TMD available at blackrock.com.au.See omnystudio.com/listener for privacy information.

My guest this week is Jeff Sarti, CEO of Morton Wealth. Jeff is a CFA charterholder managing over $3 billion in assets, and the author of the Healthy Skeptic newsletter where he challenges conventional investing wisdom. We talked about true diversification, the risks of outdated strategies, and why alternative assets are stealing the spotlight. Blog post available at: https://www.sharesforbeginners.com/blog/jeff-sarti-morton-wealthPortfolio tracker Sharesight tracks your trades, shows your true performance, and saves you time and money at tax time. Sharesight automatically tracks price, performance and dividends from 240,000+ global stocks, crypto, ETFs and funds. Add cash accounts and property to get the full picture of your portfolio – all in one place. Get 4 months free at https://www.sharesight.com/sharesforbeginnersTony Kynaston is a multi-millionaire professional investor thanks to his QAV checklist. Tony's knowledge and calm analysis takes the guesswork out of share market investing. Use the coupon code SFB for a 20% discount on QAV Club plans or SFBLIGHT for a free month of QAV Light. Here's the link to sign up: https://qavpodcast.com.au/register-3/Disclosure: The links provided are affiliate links. I will be paid a commission if you use this link to make a purchase. You will receive a discount by using these links/coupon codes. I only recommend products and services that I use and trust myself or where I have interviewed and/or met the founders and have assured myself that they're offering something of value.Shares for Beginners is a production of Finpods Pty Ltd. The advice shared on Shares for Beginners is general in nature and does not consider your individual circumstances. Shares for Beginners exists purely for educational and entertainment purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Philip Muscatello and Finpods Pty Ltd are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. Hosted on Acast. See acast.com/privacy for more information.

PGA Championship recap including who didn't talk to the media, NBA Conference Finals preview, Stars take down the Jets, NHL Conference Finals preview, and a College Baseball Minute. - PGA Recap - NBA Conference Finals Preview - Stars Game 6/Conf. Finals Preview - College Baseball Minute Support Our Sponsors Underdog- Download the Underdog app and sign up with promo code TMD to unlock a special offer of up to $1,000 in bonus cash when you make your first deposit. Must be 18 plus (19 plus in Alabama and Nebraska; 19 plus in Colorado for some games; 21 plus in Massachusetts and Arizona) and present in a state where Underdog Fantasy operates. Terms apply. Concerned with your play? Call 1-800-GAMBLER or visit www.ncpgambling.org. In Arizona, call 1-800-NEXT-STEP or text NEXT-STEP to 53342. In New York, call the 24/7 HOPEline at 1-877-8-HOPENY or Text HOPENY Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever felt like you’re doing everything right with money… and still wondering where it all went? This week’s Money Diarist shares what it’s really like to feel stuck in a cycle of emotional spending, hidden purchases, and guilt — even while working hard toward big financial goals. She found herself secretly spending $500 a fortnight, avoiding her bank app, and feeling like she’d never break the habit. But with some hard truths, a little therapy, and a seriously smart savings system, she turned it around — managing to save $60,000 and start building the future she actually wanted. We also unpack life with a $1.1 million mortgage, how she’s balancing career dreams with financial goals, and yes… whether that designer handbag really counts as an “investment.” Press play, this is your reminder that even if it feels hard right now, change is always possible. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

Xero’s full-year profit has jumped 30% as it grows its user base…but uses a simple method to grow revenue - jack up its pricing. Burberry, one of the world’s biggest luxury brands, is planning to cut one fifth of its global workforce after a £75 million loss. Warner Bros Discovery is backtracking on ‘Max’ branding for its streaming service…with HBO back in the spotlight. _ Learn more about iShares by BlackRock here Download the free app (App Store): http://bit.ly/FluxAppStorel Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes. Issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523. Refer to FSG available on our website. Before making any investment decisions, you should assess whether the product or service is appropriate for you and read the PDS and TMD available at blackrock.com.au.See omnystudio.com/listener for privacy information.

It’s one thing to feel bad about your own money decisions… but what if it’s your parents making you feel worse? This week, we’re diving into why family opinions about how you spend, save, and handle your money hit harder than they should, and how to shake off the guilt so you can make decisions that actually work for you (not just to keep the peace at family dinners). Then, we switch gears and tackle a huge financial decision selling your home. What are buyers actually looking for right now? And when your real estate agent offers advice, should you listen… or trust your own research? Plus, the usual chaos: slightly rogue broke tips, some brilliant money wins, and a very important conversation about whether IKEA meatballs count as financial self-care. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

AI is everywhere right now. It’s writing emails, making playlists, and popping up in every “get rich quick” TikTok you scroll past. But when it comes to your hard-earned money, is this actually the smart place to invest… or just another hype train about to derail? In this episode, we’re breaking down what’s really going on with AI and tech shares and why throwing your savings at the next shiny thing might not be the wealth-building move it’s made out to be. Are you already too late for the big wins? Are tech giants like Apple, Amazon, and Nvidia still a safe bet? And how do you know if you’re investing for future-you… or just chasing financial FOMO? In This Episode:

What happens when love fades but the debt remains? This weeks money diarist found herself caught between what her heart knew and what her bank account wouldn’t allow. With her finances tangled and the exit door feeling impossibly far away, she stayed longer than she wanted — not because she didn’t want to leave, but because she didn’t know how she could afford to. This is a story about quiet resilience and the slow work of reclaiming your independence. Content Warning:This episode discusses themes of emotional abuse, financial control and threatened suicide. 1800RESPECT is available 24/7 for confidential support at 1800 737 732 or 1800respect.org.au. or In an emergeny or if you are feeling unsafe always call 000. If you’re feeling trapped by debt or financial hardship, you can contact the National Debt Helpline at 1800 007 007 or visit ndh.org.au for free, confidential advice. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.