In this webinar, Joe Freemantle co-founder of the ambitious start-up Green Phoenix and Adam Donnan, CEO of the IES explored Joe's experience of being an entrepreneur in the environmental science sector. Joe co-founded Green Phoenix waste solutions in 2015 with Thomas Kouroughli and Samuel Geddes. The company aims to tackle the 1 million tonnes of absorbent hygiene waste that ends up in landfill each year in the UK.
Human activity in the land sector, such as deforestation and agriculture, is currently responsible for around 10% of carbon dioxide emissions and a third of all greenhouse gas emissions. At the same time, the land is a natural sink for CO2, taking up around a third of all anthropogenic CO2 emissions. Reducing these emissions and enhancing natural sinks are key to meeting the goals of the Paris Agreement. In countries' climate pledges (i.e.
Read more about Webinar: Meeting the Paris Agreement: What Role Does Land Play?
Science communication is a skill that many scientists find difficult, but it's one of the most important. Many experts struggle to simplify their own knowledge and make it digestible for people to understand. It is crucial that science is accessible, especially when aiming for specific groups or demographics to absorb information and make behavioural changes. How can you turn words into actions?
With global temperatures rising, acute weather events are presenting a fundamental challenge to societies and businesses around the world. Climate change poses an increasing threat to global social and economic infrastructure. Climate resilience is the capacity of a system to absorb the stresses imposed by climate variability, allowing systems to evolve into a more robust state that are able to better withstand these threats.
This webinar is the first part of our new webinar series 'Entrepreneurship in the Environment' which will explore the culture and attitudes around entrepreneurship in the environmental science sector. Over the coming months, we will hear from a range of successful entrepreneurs, who have pioneered innovated and grown businesses in the sector. Our speakers will share their experiences and discuss key challenges and opportunities they faced when establishing their businesses.
This webinar explores some of the challenges and solutions involved in mapping city-scale urban needs in a rapidly changing Indonesian major metropolis. Harry Knibb, principal consultant within WSP's Sustainable Places, Energy and Waste Team, drew from a recently completed project, commissioned by the IFC, to develop a city wide low carbon roadmap to align with the national target of a 30% reduction in greenhouse gas emissions as required under the Paris Agreement.
As farmers' await clarity over the changes to farming subsidies, Vicki Hird discusses options for supporting farms post-Brexit, and whether these will encourage sustainable behaviours and enhance natural capital.
Read more about Farm support after Brexit - how sustainable can it be?
Land comprises a range of natural resources including soil and water that are under increasing demands from a growing human population. To avoid degradation, these natural assets require careful management.
Huge benefits can be achieved through better land management, leading to a more sustainable environment that is resilient in the face of changing land use, climate change and extreme weather events.
With reference to impartial information, analysis and research on all aspects of coal, Dr Lesley Sloss explores some of the controversy behind 'clean coal' and its disputed future.


My name is Natalia and I am the founder of Honey Homes Housekeeping Services. Personally, I came to Glasgow 9 years ago and I loved this place. I worked hard to catch your Glaswegian accent and find my place in your community. I began studying Interior Design but I did not feel it was right for me so I started studying Complementary Therapies full time and Nutrition at weekend university. Meantime I have been working in the Cleaning industry, Building industry and Health industry. Unfortunately, those companies did not meet my expectation so I decided that I needed to do something for myself. I founded the Honey Homes Housekeeping Services and I am using all my knowledge and skills that I gained over those years to offer the best service in Glasgow. As an animal lover and vegetarian, I am doing my best to use as little chemical products as possible whilst servicing your home. I am trying to explain to my clients that there are different ways of keeping your home clean and nice. I feel that as a person who is responsible for your home cleanse I am obligated to let you know about everything which I know and give you an opportunity to choose the way which you want to live in your homes. Also, I am helping my clients to transform their cluttered homes into space where they can feel harmony, which is very much needed in today's' life. Did you know that we are keeping way too many things at our homes even we have not used them for years? Everything is cumulating old memories, feeling and energy it is stopping you from making a step to your better future. How many times when you deep cleaned your home have you felt that feeling of freedom?! Yes, this is exactly that same feeling you should have each time when you are coming back home. You should feel relaxed and happy at your wee kingdom of happiness. I am here for you. I love to spread my knowledge and help people feel better. Together we can make our environment better.
One on one Dog Boarding in my home. I only take one dog at a time unless they are siblings or used to being with one another. I only work part time 3 days out of 7 and I'm only out for around 5 hours in these days. Lots of care and attention. Walks up big cemetery which is 5 minutes walk from me. I have also cared for dogs which take medication and recently insulin injections for diabetes.
Comercail and domestic Cleaning . Garden maintance . Suply amd fittimg of Fencing. Decking. Artifical grass. Drive way power washing Painting interior and exterior. Suply amd fitting of carpet . Vinyl . Laminate and realwood.
We offer domestic house/flat/office cleaning. We are a very hard working team which primarly aim to make our customers happy with our service. We believe that being very punctual, organised and well equipped plays a very important part in keeping our customers happy. We offer other services such as refrigerator cleaning, oven cleaning, cupboards, window cleaning and also ironing. Throughout 4 years this company has gained many loyal customers from which we have several references so that if requested by a new customer we are able to provide proof of our great service.
We offer a range of cleaning services from regular domestic to End of Tenancy, Post build cleaning and holiday let changeover services. We have a number of bespoke services, laundry, carpet cleaning and basic oven cleaning too.
Prices can vary across the region, so I'll begin with the price of our service in your area. Our cleaners are all self-employed and so, as a business, we simply add £2.70 onto whatever the cleaner charges. In your area, through a business like ours, the cleaners typically charge £9.00 per hour – so that would be a total of £11.70 per hour. You would pay the cleaner directly, usually each time they clean - but you can agree when they would like to be paid, with the cleaner. The Cleanhome business fee would be paid directly to us on a quarterly basis, at the start of the quarter, usually by direct debit We are a locally owned Domestic Cleaning Business. We personally find the cleaners and meet with every one of them. We meet each prospective cleaner in their own home and that gives us a very good indication of how they live and their own cleaning standards as well as what kind of person they are - which is very important to us. We check all their ID information, including passport or driving license, utility bills etc. and only If we would have them in our own homes do we then go on to take up two references on each of the cleaners. So long as the references are good, we make the cleaner active on our database and are happy to recommend them to our clients. The cleaners don't work in teams so you will get the same cleaner each week/fortnight, who will get used to how you like things done. Should your cleaner be sick or go on holiday we are happy to provide a replacement cleaner from our recommended database should you require one, and as an extra reassurance to our clients we also carry accidental damage insurance up to £2m. Prior to any cleaning taking place, we meet with all prospective clients and clients will always meet with the cleaner prior to any cleaning taking place. Only when all parties are in agreement and happy with what has been discussed would the cleaning begin.


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Paul Laurence Dunbar
Returned: A Negro ballad As Sung by Miss Abbie Mitchell at Mrs. Cornelius Vanderbilt's Newport Theatre Party
H. Von Tilzer Music Pub. Co
Willard White, Cynthia Haymon
George Gershwin - Porgy & Bess / Trevor Nunn, Sir Simon Rattle, W. White, C. Haymon, Glyndebourne Opera (1993)
Ben Bernie and his orchestra; Nobel Sissle and Eubie Blake; Abbie MItchell; Eva Puck and Sammy White; Eddie Cantor; Weber and Fields; Fanny Ward; Elas Lanchester; Monroe Silver; and the Famous Bouncing Ball
FIRST SOUND OF MOVIES (Bonus Edition)
Inkwell Images
George Gershwin: History (Box Set)
(Includes Abbie Mitchell signing "Summertime". Recording quality varies from track to track.)
Abbie Mitchell
Abbey Mitchell
Abbie Mitchell Cook
Abbie Mitchell enjoyed international success through African-American musical theater starring in the musical In Dahomey (1903) followed by Bandana Land (1908) and The Red Moon (1909). As a dramatic actress she appeared in Abraham's Bosom (1926), Coquette (with Helen Hayes) (1927) and played Addie in Lillian Hellman's Little Foxes (1939). Within the realm of jazz she is remembered for introducing "Summertime" from the American folk opera Porgy and Bess (1935).

redpajama_set_name: RedPajamaCommonCrawl


Promise Tamang Phan is 28-year-old Nepalese-American famous beauty guru and a social media star. She is known for her transformative makeup techniques and so far, she has transformed herself to look like several celebrities such as Angelina Jolie, Johnny Depp, Scarlett Johansson, Michael Jackson, Kate Middleton, Kim Kardashian, Adriana Lima, Selena Gomez, and many more.
Promise has also been invited as a guest on ABC Good Morning America. With millions of followers on her social media, she is becoming quite popular on the internet.


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By the numbers: a SUP trip across the Atlantic
© Brian Overfelt
Chris Bertish left Africa on a paddleboard and arrived in the Caribbean 93 days later. Here's how.
Written by Josh SampieroPublished on 05.04.2017 · 14:46 UTC
South African waterman Chris Bertish recently completed the adventure of a lifetime – a human-powered solo trip across the Atlantic on a (modified) stand-up paddle board. An incredible feat of both human willpower, physical endurance, intricate planning and a little bit of luck.
The story has spread even further than Chris has paddled, garnering media interest all over the globe. We decided to dig a little deeper into the numbers and find some of the most fascinating data points of Chris's trip.
93 – Days on the water
Chris's original mission was to paddle from Morocco to Florida – a distance of 4,600 miles. But bad weather slowed him down and forced him south – so he made a new destination: Antigua.
15 – Hours a day paddling
Or rather, per 24-hour period. Chris actually paddled mostly at night to reduce exposure from the sun – but he still clocked in an average of 15 hours a day paddling.
700kg – The weight of his craft
The 6m board alone weighed 350kg, and an extra 350kg of food and other supplies – plus, Chris himself. Total? Approaching 700kg that Chris would have to push across the entire Atlantic, using only a paddle as power.
Big smiles as he approaches the finish
The last few strokes
6m – How big the board was
Chris's custom-made SUP took cues from rowboats built to cross the Atlantic (although those usually have crews of four.) Inside the cabin to protect him from the elements, he had a full nav station to give him the numbers and facts he needed – coordinates from a chart plotter, with speed, direction, distance, depth, waypoints and a complete navigation bouquet – and of course, radar and radio. Oh yeah, there's the bilge pump, water purifier, navigation lighting and solar power and battery banks to charge it all.
16m – How big his board looked on radar
I had an 'EchoMax', which essentially amplifies the signal of my craft from a radar perspective. if I ping on the radar of a big tanker, it makes my little 6m board show up like 16m fishing yacht – not a tiny little SUP craft no one can see. In the first three weeks I spend a ton of time on the radio – but by the time I got through the Canaries, I was much more comfortable.
A hero's welcome at home in Cape Town
A hero's greeting at Capetown International
© Mark Sampson
3x – The level of redundancy
Every mission-critical system on the boat had two different sets of back-ups, creating a triple redundancy in case of system failure. Good thing too.
5.3 – Litres of water a day
System failures did happen. The battery banks not charging meant he had to cut down to basic systems and ration down – for instance, running his water purifier less often. "I had to teach my body to operate on just 5.3 litres of a water a day, even though I was doing the equivalent of an Ironman," says Chris. "Any sports doctor will tell you that you need over a litre per hour for the time you're exercising, and I was running on less than half. You can teach your body to do incredible things as long as it has an end goal."
Not gonna need that safety flare any more!
80 – Kilograms of freeze dried food
Chris packed for 95 days on the water – yep, basically astronaut food for three straight months.
3 – Meals a day (and lots of snacks)
Just over a third of a litre was used to hydrate his freeze-dried food. He'd prepare a re-hydrated meal three times a day, then top off with 200g of biltong, a bite of chocolate and electrolyte powder/recovery shake mixed with water once a day. "It was a pretty scientific approach to nutrition," says Chris. "I've been fortunate to have done this stuff before, and I've learned a hell of a lot from that – and applied it to this project."
15kg – Bodyweight lost
Chris knew he would lose plenty of weight over the course of the trip. That's why he started at his most bulked-up, over 80kgs. He weighed approximately 65kg when he finished (yes, including that epic beard). His plan now? Get back up to 'fighting weight' around 72kg.
2 – Different paddles
One of the issues of the trip? As Chris consumed food over the course of the trip, the boat would get lighter – meaning the waterline would change. That's why he brought two different paddle shafts – one long, one short.
1 – Scary encounter
With a marine animal of significant size. Says Chris: "I had countless encounters with sharks and other marine life, but one stands out: my parachute anchor caught something big. I was too far out to see to catch the bottom, and it couldn't have been a fishing net because it was pulling me against the waves – only possibility was a whale... or a giant squid!"
His family are happy to have him back
Chris celebrates with his brothers
2 – Hamburgers per day, now that he's done
"I'm just craving protein right now," says Chris. "So I'm downing a couple burgers a day."
6 million – Amount of money raised (in South African Rand)
That's how much the project has raised for three charities – Signature of Hope, The Lunchbox Fund and Operation Smile – helping to build schools, feed kids and provide medical care for kids in Chris's native South Africa – with hopefully more on the way.
What's up next for Chris? He says he's got a big adventure planned... in four or five years. Hey, you paddle across the Atlantic and you'll need some time off.


One of the ten largest bank holding companies in the US was investing heavily in digital transformation. Infinitive was selected to facilitate an enterprise migration to cloud and the creation of a new streaming data ecosystem that enables real-time insights, decisions and machine learning. Infinitive provided project and program management support while defining and executing strategic program roadmap initiatives across five different workstreams.
Developed a robust front-end/back-end application to support cloud migrations. The application was built in the cloud to support tracking, monitoring, and modeling application to support our client's objective to move all applications to AWS.


text:
Essential MMA Gear Guide
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Dating again to the Olympic competitors of the historic Greeks, this is without doubt one of the oldest disciplines in mixed martial arts, but it surely remains to be fairly efficient. Mandelbaum was known for throwing lavish parties in her residence, attended by each known criminal in the town, of each sexes, including judges and politicians she had in her back pocket. She immigrated to the United States in 1848 with her husbands Wolfe Mandelbaum. Fredericka "Marm" Mandelbaum was born in 1818 within the country of Prussia. However, past Detroit, the NHL dropped off right into a deep abyss. Frank Mahovlich led the Maple Leafs for the second straight season with 73 points, tying him for fourth in the NHL with Henri Richard of the Montreal Canadiens. Johnny Bucyk led the hapless Boston Bruins with sixty six points, four factors greater than teammate Murray Oliver. That paved the way for Stan Mikita to steer the club for his first time with 76 factors.
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Check the inodes or i-nodes.
Whenever a file is created on a file system, an inode is used to contain information about the file. Most of file systems have a fixed amount of inodes number (which is set during the mkfs operation of the file system).To check the state of the inodes on a Linux system, you can use df –i.
It's usually from the mail service. It creates a lot of empty files (over 1 million files). Try to delete all its files first.


Hey ! I would like to request a showing of 15219 Holland Fields Circle. Let me know what times you are available. Thank you!
Very well maintained home in the gated community of Copper Grove with beautiful landscaping, brick walk way and gorgeous curb appeal! This spacious home boasts 5 bedrooms, 3.5 baths with a GREAT floor plan for any . Formal dining room, den/study/TV room, family room and an awesome kitchen with island, access to the dining room and back yard view; master suite is downstairs and very spacious with back yard view;	read more master bath features jacuzzi tub, shower, linen closet and over sized walk in closet; upstairs provides tons of space including a game room, bonus space (possible 2nd TV area or homework/desk space for the kids); bedrooms #2 and #3 share a jack and jill bath and bedrooms #4 and #5 also share a jack and jill bath -- perfect for the; cul de sac and walking distance (you can see if from your front yard just a few houses down!) of all the neighborhood amenities including pool, park and tennis courts! Tons of potential!
This listing is courtesy of the listing agent Judith Hayes (#hayesj), with the office RE/MAX Rewards II.
All data for this listing was last updated on February 06, 2019 at 04:10PM.


Our commitment is to provide you with complete transparency and give you a real understanding of all aspects of your home loan. With access to over 25 lenders and numerous finance packages, our finance team will match you with the perfect home loan to suit your personal circumstances.
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While most lenders require a 5-10% deposit of genuine savings, we could get you into your dream home for only a 2% deposit (of which only 1% needs to be genuine savings). We realise a 5-10% deposit can be difficult, so this product will get you into your new home quicker. In addition, if you are eligible for the FHOG you may require less than $3,000 to build your dream home!
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Professor Vineet R. Kamat, Ph.D. / Publications
Please visit our Google Scholar Page to access all our latest publications including journal papers and conference proceedings.
Ph.D. dissertations are archived below for reference.
Ph.D. Dissertations
Liang, Ci-Jyun (Polar). (2021). "Affecting Fundamental Transformation in Future Construction Work Through Replication of the Master-Apprentice Learning Model in Human-Robot Worker Teams", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Xu, Lichao. (2020). "Geometric, Semantic, and System-Level Scene Understanding for Improved Construction and Operation of the Built Environment", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Lundeen, K. (2019). "Autonomous Scene Understanding, Motion Planning, and Task Execution for Geometrically Adaptive Robotized Construction Work", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Xiao, Y. (2017). "Three-Dimensional Reconstruction and Modeling Using Low-Precision Vision Sensors for Automation and Robotics Applications in Construction", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Feng, C. (2015). "Camera Marker Networks for Pose Estimation and Scene Understanding in Construction Automation and Robotics", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Ismail, I. (2013). "Financial Cash Flow Determinants of Company Failure in the Construction Industry", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Akula, M. (2013). "Real-Time Context-Aware Computing with Applications in Civil Infrastructure Systems", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Talmaki, S. (2012). "Real-Time Visualization for Prevention of Excavation Related Utility Strikes", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Dong, S. (2012). "Scalable and Extensible Augmented Reality with Applications in Civil Infrastructure Systems", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Khoury, H. M. (2009). "Context Aware Information Access and Retrieval for Rapid On-Site Decision Making in Construction, Inspection and Maintenance of Constructed Facilities", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Behzadan, A. H. (2008). "ARVISCOPE: Georeferenced Visualization of Dynamic Construction Processes in Three-Dimensional Outdoor Augmented Reality", Ph.D. Dissertation, Department of Civil and Environmental Engineering, University of Michigan, Ann Arbor, MI.
Kamat, V. R. (2003). "VITASCOPE: Extensible and Scalable 3D Visualization of Simulated Construction Operations", Ph.D. Dissertation, Department of Civil and Environmental Engineering, Virginia Tech, Blacksburg, VA.
Professor Vineet R. Kamat, Ph.D.
Michigan Engineering
1221 Beal Ave. Ann Arbor, MI 48109-2102
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When should I spray walnut trees, and what should I be using? Last year I sprayed with malathion, and I had more black husk fly than ever. The walnuts now are about 1/2 in. and are looing really healthy.
These are excellent brochures that may answer most of your questions. They includes recommendations for copper, lime and other sprays. As always, read the label carefully on the product as the concentrations and procedure will vary with each manufacturer.


Blogging can get boring. Writing about the same topics day in and day out, worrying about SEO and getting traffic, and wondering if you are actually writing anything worthwhile can be draining.
However you need to keep in mind what blogging is really for. When you blog you do not only want to offer your readers something to catch their attention but you also want to help them to improve their lives.
#1 Sing – Finding joy in the little things is what life is all about. From singing in the shower to singing along with the radio in your car, the very act of singing can bring joy to even the tone deaf among us. It does not have to be good, but it does have to be loud and free. Remind your readers to break loose every once in a while and enjoy their life.
#2 The Golden Rule – If you do not know what the Golden Rule is then I will define it for you: "Do unto others as you would have then do unto you." Not only is that Biblical, but everyone can agree on it. Treat others the way you would like to be treated.
Sure, sometimes they will not be nice back, but you have not lost anything. The better you treat others the better you feel about yourself. Remind your blog readers of this often forgotten bit of wisdom and help them to overcome the urge to be cranky and cynical.
#3 Watch the Sunrise – It is the simple things in life that we most often forget. Things that happen every day that are miracles but we just take in stride. Taking the time to really appreciate the small things in life should be one of your reader's priorities. Remind your readers to take time to smell the roses and watch the sun rise, or sun set, at least a few times a year. That way they can take in the beauty of nature and really appreciate the life they live.
#4 Eat dessert – In this fast paced world full of health and diet warning, fast food binges, and on the go meals you need to remind your readers that it is okay to eat dessert. Not in large quantities or as every meal, but enjoying the sweet things in their lives should be a priority. Dessert is like a little food gift. It makes you smile no matter what kind of day you have had. Remind your blog readers that it is okay to indulge once in a while in the sweet parts of life.
#5 Be Great, Not Perfect –No one is perfect and the sooner your readers can grasp that the better off they will be. They should always strive to be better. Better workers, better friends, better parents, better children, but they should understand that being better is the goal, not the journey. You can never reach perfection, so do not set yourself up for disappointment. Only strive to be the best you can be and be satisfied with that.
#6 Failure is Not a Person –The thing that causes a lot of people to stumble in life is that when they fail they see themselves as a failure. Failure is not a person. Just because you fail it does not make you a failure. It just means that you need to learn from your mistakes and keep moving forward. Remind your readers to keep working despite their difficulties.
After all, Thomas Edison, the inventor of the light bulb, tried over a thousand ways to make one before he got it right, and yet when asked how many failures he had he said, "None. I just discovered a thousand ways not to make a light bulb." That is the right way to look at failure. Not as something crippling but as something to learn from and build on.
#7 Plant a Tree – Taking care of the environment is big right now, but is it big for the right reasons. Remind your readers that we all live on this planet and have a responsibility to each other and to future generations to keep it up. Planting trees, recycling, and using things wisely are just a few of the ways everyone can help out. Thinking about the future and other people is the first step in living a life that is worthwhile.
#8 Laugh – You know what they say, "Laughter is the best medicine." Well, it turns out that this is true. Laughter has many benefits for your body and mind. Encourage your readers to laugh every day. Include jokes and funny images on your blog posts once in a while. By spreading joy and laughter you are making the world a better, healthier place. Finding enjoyment in life is important and should always be encouraged.
#9 Borrow Better –Borrowing is a touchy subject and yet we all do it. We borrow from the bank, our friends, and our family. Encourage your readers to be better borrowers. Tell them to always return what they borrow in a timely manner, from money to movies and everything in between. They should return things better then they got them too. If they borrow a friend's car they should return it with a full tank of gas.
Not only will they be the kind of person you do not mind borrowing something, but friendships and relationships will get stronger instead of weaker.
#10 Lend Freely – This is the opposite of the last point. Not only should you encourage readers to be better borrows but better lenders too. Help them to lend without expecting anything in return, even the object they are lending. If they get it back then great, but if not then they do not sour the relationship with that other person by being bitter about 'losing' their item.
I know this is hard to do, but the more you do it the easier it gets. Of course you should be wise in whom you lend to and what you are lending, but freely lending something is beneficial to your peace of mind.
#11 Say I Love You –Some people think the world says I love you too often, but I think the opposite is true. If you really love someone, as a friend or as a family member or romantically then you should tell them that all the time. A genuine declaration of love is one of the most rewarding gifts you can receive. It lifts you up, makes you warm inside, and helps you to feel connected to the other person. Saying I love you and expressing that love in hugs or other ways should be encourage and would help make the world a friendlier place.
#12 Do More Than You Have To –Most people try to get away with doing the bare minimum. At work and in life they skate by and never put effort into anything. Not only does that mean they do poor work and have weak relationships, but they also feel unfulfilled and unsatisfied.
Encourage your readers to do more than is asked of them or expected from them. When they go above and beyond they will feel better about their work and everyone around them will appreciate their efforts.
These are just a few of the ideas that you can blog about that are beneficial for readers and also get you the traffic and consistent followers you need.
Author Bio: Paul and his wife Julie both spend quite a bit of time coming up with ideas, blogging, and researching all things related to childcare through babysittingjobs.com.
Lovely messages. Laughter, as they say, is the best medicine!
that's a lovely post. I like No 2, the golden rule. It reminds me of the categorical imperative from Kant, I recently read sth. about.
How cool is this? Great job! Love that golden rule! LOL Happy New Year!
Oh my gosh I love this list!! Definitely words to live by, and what a better place the world would be if everyone participated.
Hope you had a wonderful holiday my friend!
Thanks Kathy and hope the same!
Good life tips here Paul. I sing every day as it frees my soul to sing. I love the other tips that you have shared here. Hopefully we can all improve ours and other people's lives by following suite.
Bloggers who are closed to Environment received tremendous blogging ideas.One reason for that is they have enough time to think.Think about themselves and their plans,blog,family,fitness etc.Hence thought generates fabulous blogging ideas.I always write down them in a book whenever i got a new idea!


Bring family members on to your account and move spare data around, with you in the driving seat. Perfect for keeping the little monkeys happy.
Plus, we'll give you 10% off every additional line you add, and a 1GB data boost to dish out as you please.
Move any spare data from your plan around your family's devices in just a few clicks. All you need is two or more plans on your account, and you can gift data. If your family's already on EE it's easy to add them to your account, and if they're not, just switch them over.
In the My EE app you'll be able to see how much data everyone's used, who's running low and how much everyone has left. Then simply move data around the family to those that need it. Easy.
To start gifting your data and using controls, log into your My EE account.
Not yet with us or want to upgrade? Why not get a new phone today?
Need a hand? Visit our help pages, or find out what the EE Community are saying about this.
It's amazing how gigabytes get gobbled. So every time you add a new eligible plan to your EE account, we'll give you an extra 1GB data. Already have more than one line with us? You'll get a 1GB boost when you next upgrade that too! And if that wasn't enough, you can gift this data to one or more plans on your account. A nice surprise for one of the family, or yourself.
As well as extra data, we'll also help you get more for your money by taking 10% off the monthly cost of each plan you add to your account. So whether you want to add your partner, your kids, or just get another plan for yourself, it pays to keep it EE.
Each new line on your account will also benefit from six free months of Apple Music and three months' access to the BT Sport app.
Need a hand? Visit our help page, or find out what the EE Community are saying about this.
With the My EE app you can also control how the kids use their phone, for total peace of mind. That means you're in control of who can buy data and how it's used. You can also rest assured that they'll never go over their allowances as we've got handy voice and data caps in place.
No one likes unexpected bills, so we make sure you don't have any. Use the My EE app to control whether your kids can use their phone abroad and make premium or international calls. Perfect if they have a habit of calling their friends when they're on holiday.
You can also get tips and guidance about keeping kids safe online thanks to our partnership with Internet Matters. Click here for more info.
Only the person who runs the data can gift the data, but they can gift it from any linked account. So if your teenager has been heavy on the downloads and your partner still has at least 500MB left on their account, you can gift a bit more data to your teenager from your partner's account.
How long will data that is gifted last?
Data gifts aren't carried over month-to-month. Your lines will reset to their original data allowances at the start of each month.
How can I get the 1GB data boost?
It's easy, all you need to do is add another eligible handset, tablet or SIM to your account and you'll get the data boost on your account when your allowance next resets.
What if I already have more than one person on my account?
All you need to do is upgrade one of your existing lines, or add another one to start benefiting from 1GB data boost.
Can I get more than one data boost?
Yes, the more lines you add, the more your account gets boosted. For example, if you add one line, you'll get a 1GB data boost every month, add another and that jumps to 2GB, add a third and you'll get 3GB.
Can I gift my data boosts?
Yes, with data gifting you can gift your data boosts around the whole family from the My EE app.
Can I change who gets the data boost?
Yes, just give our customer care team a call on 150 from your EE phone, or 07953 966 250 from any other phone.
Calling us: Our standard 150 opening hours are 8am - 8pm weekdays and 8am - 6pm on weekends. Calls outside that time (till 10pm weekdays and 8pm on weekends) cost 50p per call. Calls to 07953 966 250 are charged at standard network rates. If calling from another phone, check call charges with your provider.
Gifting data: Gift to other pay monthly plans on the same account in increments of 500MB. Fair use policy applies when gifting large amounts of data 3 months in a row. No gifting to/from Apple Watches, 4GEE Home or 30 day 4GEE WiFi plans. Data not used in a month does not roll over, allowances are set back to zero at the start of each month. Data can only be used in accordance with the plan terms applicable to the receiving line. Only the account holder will be able to 'gift' data between lines on the account.
1GB data boost: Extra 1GB will only be awarded if a new eligible plan is added to a family account, or an existing additional plan is upgraded to an eligible plan and not if an existing EE, Orange or T-Mobile plan is added to an account. If you remove a plan from your family account the extra data on your plan related to that plan will be removed. You can nominate one of the plans on your account to receive the data boost but it will lose the 10% discount if applicable.
10% Multiplan discount: 10% discount only available to account holders with qualifying plans and will only be applied to eligible plans, see here for details. If account holder is new to EE the most expensive plan will be the qualifying plan and the cheaper plans will receive the discount. Remember, any price increase we do will be based on the un-discounted monthly payment due to us. We may withdraw any savings at any time on giving notice. If the account holder leaves EE or removes their account they will remain responsible for the charges for the remaining plans on the account.
My EE: My EE registration requires a valid email address and password. My EE App connects to the internet whenever you use it. You will need mobile internet coverage or a WiFi connection. Downloading the app and any software updates for the app will use data. EE Mobile customers do not incur internet charges after downloading the app and when using the app within the UK.
Apple Music Membership: The individual Apple Music membership add-on is free for 6 months for customers on EE pay monthly or SIM only phone plans and adding the add-on to their account for the first time. After 6 months, membership automatically renews and you'll be charged £9.99 a month unless you cancel. If removed from your account during the free period, you'll be unable to get the add-on again free of charge. Requires a handset using either iOS 8.4 or Android 4.3 or later. Apple ID required for full functionality. Unless you have an Apple Music Streaming add-on, data usage will decrement from your plan's data allowance. Apple Music is for your personal, non-commercial use in the UK only. This offer is non-transferable. Not available with any other Apple Music membership offer. Apple Music terms apply. For more details go to ee.co.uk/applemusicterms.
BT Sport – 3 months free offer: Available to customers on consumer plans requesting the BT Sport Add-On for the first time. If you've previously benefited from our three or six months' free offer, you won't be eligible. The Add-On is available for three consecutive months. The three months starts as soon as we receive your request for the Add-On or from the date you join or upgrade your price plan. If the Add-On is removed from your account at any point during the three month period, you'll be unable to get the Add-On again free of charge. At the end of the free period, you'll be automatically charged for the Add-On but can cancel at any time. The offer is non-transferable.
Information and pricing correct as at 1 June 2018.
Further terms apply. You can find the full terms and conditions for each of these benefits here.


text:
Global Spectrum
Football in Adelaide to ice hockey in Alexandria
Global Spectrum gives you a bite-size look at a handful of inspiring stories that have recently warmed our hearts… and now, hopefully yours too.
By Matt Bates
As with the start of every month, we have published our latest edition of Global Spectrum which brings together some feel-good stories from the world of autism and sport.
Closing an eventful 2021 are four stories that made us smile in December.
Lasting legacy
Jason McElwain was a high school superstar. He was subbed onto the court for Greece Athena in a varsity basketball game and scored 20 points – a moment so fantastic that it won an award. McElwain was diagnosed with autism at two years old and he is now 34, with his story providing lots of inspiration for Dallas Center-Grimes – a high school team in Iowa. Through in-person appearances and Zoom calls, New York-based McElwain has built a strong relationship with the Dallas Center-Grimes team and helps players work towards their goals.
Remember Jason McElwain? Diagnosed with autism at 2, he won an ESPY after draining six 3s and scoring 20 points in a high school basketball game. Now, he's grown close with Dallas Center-Grimes boys basketball. @TommyBirch has the story: https://t.co/KCJcr0v85e
— DM Register Sports (@DMRsports) December 17, 2021
Being vocal
In December, Emma Stanbury announced that she has autism. She plays football for Liberty A-League Women club Adelaide United in Australia. The 30-year-old explained how coaches are listening to her and supporting her to reach her potential, and she hopes her story will inspire young people with autism to have goals and achieve them.
On a recent episode of The Pitch Podcast, Emma Stanbury opened up about her autism publicly for the first time.
— Adelaide United (@AdelaideUnited) December 20, 2021
Ice hockey teams W.T. Woodson and Robinson held a joint practice with NOVA Cool Cats, a club founded in 2004 to give neurodiverse young people the opportunity to take part in the sport. The practice was held in Alexandria, Virginia, prior to a game between Woodson and Robinson, with Cool Cats players' joyous energy proving infectious and motivational for both teams.
Please click here to read the full story.
Strong friendship
Oklahoma State University quarterback Spencer Sanders played in the 2021 Dr Pepper Big 12 Championship Game at the start of December and surprised his high school friend Stone Evans and his dad Stan with tickets to the match. Stone has autism and has been close friends with Spencer since their days at high school; the American football player helped Stone through times of hardship and bullying.
© 2021 Sport and Autism (UK) CIC
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This bar, ironically named after the wife of US President Gerald Ford, the audience would not mind a drink at another trendy indie rock, are missing potential visitors Betty society, which she described in her honor. Among the public there will always be some Australians, the owner of the bar pours pints of ale Cooper's. Many skaters and fans of tasty burgers.
miserably, that the kitchen closes early. Local burgers served in a basket with delicious French fries and homemade sauces. Rekomenduem Texas burger or avocado. There is also a vegetarian option. A drink - be sure to try the cucumber cocktail!
Around this bar are the most fashionable places Raval, walk on Joaquin Costa, there is always noisy and fun.


text:
Dentist Advisors / Education Library / Podcasts /
How a Dental-Specific Advisor Can Give You an Advantage – Episode 250
https://traffic.libsyn.com/secure/dentistmoney/Niche_-_Ryan__Matt_FINAL.mp3
Download Podcast Audio
When it comes to the unknown, look to people who've been there before.
On this episode of the Dentist Money™ Show, Ryan and Matt discuss the reasons why getting dental-specific financial advice is preferable to getting financial advice from a generalist advisor.
Dentists are expertly trained clinicians who often carry the weight of running a small business and all that goes with it. That entrepreneur/professional combination often results in very unique financial challenges. If dentists are different, are there advantages to getting financial advice from someone who understands their issues?
Ryan Isaac:
Hey, Dentist Money Show listeners. Thanks for tuning in. We've got an excellent episode for you today. Me and Matt are talking about what makes a niche financial advisor important to a dentist. Talking about all the ways dentists are different, and how a financial advisor who's been there, done that, seen it all, can help you make the smart financial decisions you'll have over your whole life and career. Thanks for tuning in. If you have any questions, go to dentistadvisors.com, click on Book Free Consultation, schedule a chat with us. Enjoy the show.
Announcer:
Consultant advisor, conduct your own due diligence when making financial decisions. General principles discussed during this program do not constitute personal advice. This program is furnished by Dentist Advisors, a registered investment advisor. This is Dentist Money. Now here's your host, Ryan Isaac.
And welcome to the Dentist Money Show where we help dentists make smart financial decisions. I'm Ryan Isaac, sometimes involuntarily referred to as Sir Ryan Isaac. And I'm joined by the best guy in the world, smartest financial advisor at Dentist Advisors, Mr. Matt Mulcock. What's up, man?
Matt Mulcock:
You are setting me up for failure. Let's just say that.
No, that was-
It makes me feel really good, but my wife wants to, in fact, my wife recently has been like, "Oh, you've been on the podcast. I want to listen to them." And I'm like, "There's a rivalry here with Ryan and you with who thinks I'm…"
She'd be like, "yeah, I've heard him talk before. We're good."
Yeah. Yeah, exactly.
But I think Matt is great. It's great to have Matt on the show, and we'll be looking forward to more Matt on the show. [foreign language 00:01:34]?
[foreign language 00:01:36].
We learned a new word. Anyone who speaks [crosstalk 00:01:39], tell me if I said that right. We were watching a clip of Parks and Rec of their public radio. And they said that. And then we tried to work it in.
What was the other word?
Well, that was like how Americans [crosstalk 00:01:50].
That's how we say it.
Matt, so this is September?
It is. Yep
Yeah, September 2020. I recently got on a plane for the first time in a while. When's the last time-
It gave you a big COVID hug?
Yeah. When is the last time you were on a plane?
Oh my gosh.
It's been a while.
I honestly don't even remember. Probably… I don't even know. Wow. Flying-
Probably early 2020.
Had to have been. [crosstalk 00:02:20] Maybe I haven't been on a plane this year. I don't think I have.
Maybe not. So I just flew here, Phoenix to Salt Lake. Shout out to Phoenix.
How many people were on the plane?
Middle rows are still empty. But it was full, other than that.
Everyone had a mask?
Everyone had a mask.
Yeah. It is required.
It is required.
It is required. All right. I've got a question for you. I think everyone's been in this situation that's ever been on a plane. So imagine you're up in the air, as planes are.
Absolutely. They're on the ground, then they're in the air.
Then they're in the air, then they're on the ground again.
Hopefully in that order, and softly. So you're in the air and it starts rocking a little bi, it's shaky.
Gets a little scary.
It banks. You can feel your stomach drop like a roller coaster. I always think every time I feel your stomach kind of gets that feeling when you drop, in an airplane that must be like hundreds of feet at once.
It has to be.
It's got to be, like a roller coaster. You get that feeling on a roller coaster. You'd be like, "I wonder how far we just dropped," in the airplane because it's relative. I'm what, 30,000 feet in the air?
Yeah, 30,000 feet.
Anyway, so you're sitting there, the turbulence, the lights, the beeps, it shakes, it's going side to side, it's dipping. What are your reactions? Instinctually, what do you do when, more than a shake, enough to make you go, "What's going on?" What are your reactions? Where do you turn? What do you do?
The first thing I'm doing is just grabbing onto like the…
So you hold tighter?
Yeah, totally. It's my first thing. I try not to, it depends on who's around me, too. Like if my wife's there-
On a side note, I do the same thing too. I'll reach down and I'll tighten my seat belt and I'm like, "What did that do?" It's already on [crosstalk 00:04:06].
Pull your helmet out. Put your helmet on.
I don't know. Okay. Anything else that comes to mind? [crosstalk 00:04:10] You grab the side.
I tend to look for the flight attendants to see what's going on with them. If they're calm, I'm like, "Okay." But they are going to have the first, if something's going on, they're going to know.
They would know.
They're going to know. And you're going to see in their face something's wrong. So I'm going to look at them initially.
Because they would know like, "Oh, this ain't normal."
Yeah. They would know that. Have you ever seen one freak out by the way? I don't think I have seen them rush to their seat and be like, "oh crap, oh crap."
Like sprinting down. Like "Everyone stay calm!" Yeah, no, I haven't seen that.
Everyone stay calm as they're sprinting.
As she's sprinting.
Knocking drinks over.
Shoving people out of the way
All right. Anything else? Anything else that comes to mind that you do? You grab on, you looked at the flight attendant. Anything else? No right or wrong answer. I'm not pressuring you here so calm down, but I'm just saying.
Yeah, no. I mean maybe put my shoes back on. I don't know.
Get ready?
I just-
Isn't that funny, the stuff we do? I always like to look out the window to see the landscape. Like if we tilted or it feels like we're dropping, you look out the window like, "Are we dropping?" Like I'd be able to tell.
You're in the cloud, you have no idea.
You have no idea. So today we're talking about, why would you hire a financial advisor who's a dentist-only financial advisor? And to be more helpful to our audience, I would say why would you hire anyone in your life as a dentist who is a niche, dental, specific person? Right? Because, I was on a podcast, a couple… I don't even think it's come out yet. It was Shared Practices. Shout out to the Shared Practices crew, our guys over there. They had this question where they were like, "Hey Ryan, why do people hire your firm?" And to answer that, I kind of just backed up a little bit and said, "Well, let's just talk about who dentists need to hire in general. What kind of people that they need around them in general during their career?"
Who's their team?
Yeah, who's their team, and then why would you hire someone that says they're dental specific? So we kind of went on that topic, but that's what we're going to talk about today. But I wanted to point out, because as I was flying here, the same thing happened. Turbulence out of Phoenix was crazy. And landing, I swear, landing in Salt Lake City. It's always turbulent there.
Yeah. I feel like it is. It's something with the air pressure. Yeah.
The altitude or something in the mountains. Right. But the same thing. So I always tighten my seat belt as if that's going to save me if we hit the ground
It might, you never know, put your shoes on. You're going to be fine.
I always look out the window as if like I'm going to gauge like, Oh, well the horizons still looks okay out my window. So we're probably okay."
We're fine.
The flight attendant's sweating lightly
But I always say what you said. I think this is the most… I looked this up and it's a pretty universal thing, reaction. People look to the flight attendant.
That's something people do?
Yeah. Are you serious? Yeah.
I do it. I'm just saying I'm glad.
It's very common, most common reaction.
I'm average. We've already determined. So that's good.
If you're scared on an airplane and it's bumpy, people look to the flight attendant. And so I asked the question to myself, as I was thinking about this podcast, when we're going to talk about hiring a niche advisor as a dentist, "Why do we look? Why do we look at the flight attendant?" So why in your head, you look at the flight attendant, shaky, you grab the seats and then you look over up the aisle and you look at the flight attendant. Why do you do that?
I just feel like they are going to know what's going on. They should know.
You're on your fourth flight in a couple of years. And they're on their 400th flight.
Yeah, right. Probably that month.
That month, right. So that's what we're going to talk about. And that's the story that was in my head. I'm like, we've looked to people that have been there before, and we gauge their reaction, and we gauge their advice and their signals on how should I react? Like I'm on a plane rarely, that person's daily. So I'm going to just look at them and see, what is she saying about this? What is he doing right now? Is he sprinting down the aisle trying to grab the seatbelt? Or is she calmly sitting there joking. I always like when I look ahead and they're joking back and forth to each other, like, Oh, they're fine.
Or they're crazy, like they don't care. S.
That's a good point.
So we're going to take a quick break, but we're going to start breaking down, we're going to talk about, we're going to back up and ask the question that I was asking on Shared Practices, which is, "Why would someone hire a niche financial advisor that only works with dentists?" We'll make that a broad question. Why would you hire a niche CPA or niche attorney? But we'll answer this in the terms of, what makes it a dentist different? And why would you want to look at somebody, during certain times of your career, that's seen it hundreds of times, as opposed to just one or two, or single digit number of times. Take a quick break, and we'll pick up there when we get back.
Hey, Matt, what do you like to drink or snack on when we do our webinars every month?
Yeah. That's a good question. I'm usually hitting a Red Bull, but it's hard because it's an evening webinar.
Yeah. These evening webinars taking place 6:30 PM Mountain Standard Time.
Mountain Time.
Once a month.
Where do you find it?
Well, if you'd like to find the webinar or you'd like to register for it, you go to dentistadvisors.com/webinar, or just go to the website and click on webinars under the education tab.
It's a good time.
It's a great time. What kind of things do we cover in our webinar, Matt?
Each month we're going to hit an element, right? So it's going to be some component of your financial life. We're going to dive a little bit deeper than we would like on the Dentist Money Show, right? We get to draw pictures, there's live polls. You can ask questions.
It's great time.
Yeah. It's a good time.
We'd love to see you in attendance at one of our fantastic webinars. Just go to dentistadvisors.com. Sign up today for the next one. Thank you very much.
All right. And we are back from this break where, by the way, we were talking with our podcast producer and he says that his reaction during turbulence is to fall asleep.
Like a baby.
It's my first response.
Like a baby being rocked asleep. So I guess not everyone's looking to the flight attendant.
I don't think I've ever heard that before.
I think that's an anomaly. We're not going to use that as an example.
Yeah, that's incredible.
Okay, let's try to answer this question by giving some context. I thought I'd just go through a list of things that, why is a dentist different? And maybe that's an obvious question to someone listening to this. There's so many things that make us different, but I think a lot of dentists genuinely wonder what does make us different than an average someone else.
I've gotten that question before. Consultation call or just at an event or something
Why are we different? Why did you pick dentists? What's so different about a dentist? So I've just got some categories that we'll kind of run through and subcategories of those that make a dentist very different than the average. Even if you compare to someone else who's like same income, same tax bracket, all that kind of, same net worth. There's just so many different things about a dentist that make it very different. So, and then maybe you have some too, and we'll just kind of go back and forth.
I'm sure we have the same list.
We've been doing this for awhile and-
We've been on 400 flights this week. So we're good.
That's exactly the point. All right. Yeah, I guess if we just redo this podcast and be like, "We are your flight attendants for this flight. We hope you enjoy the next 32 minutes."
Yeah. Or maybe you're listening to this on a flight in the middle of turbulence and you're looking at the flight attendant right now.
Just look at us. It's all good. We're calm.
Yeah. Just listen to our voices.
All right. So number one, I think, and I was sharing on the other podcast the other day was, right off of the bat, dentists are very different. Well, I guess even you could just say they're very different in education, right? Their educational track is much longer than the average person, and it's pretty grueling. But I was going to say right off the bat, dentists are different in their debt loads. And if you think about, especially dentists nowadays, I mean, if you're listening to this, and you've graduated in the last five years, to say that you have half a million dollars in student loans, doesn't even make anyone blink an eye anymore.
I remember when we started this business and I remember talking to clients for some of the first time about their debt and I'm talking like, '06, '07. And they'd be like, "Yeah, I've got 150 in debt. 200 grand in debt." Blew my mind. I thought, "How on earth can you have that much in debt?" Now, if there's any non dentists listening, then just reach out to your dentist next time and thank them, okay? For going through what they've gone through. Because now most dentists coming out of school with more debt than the nicest house, most people ever own. I mean, unless you're in the coast.
Yeah. People in Southern California, in New York right now are like, "What are you talking about?"
They're like, "I've got five dentist student loans in my house."
I've got five dentists [crosstalk 00:12:57] That should be the new, how you flex on people on your mortgage is like, how many dentists are in your house? I've got a five dentist house.
I could've gone to dental school five times in this thing.
That's the new flex. So right off the bat, dentists are coming out of school with this debt load. That's more than the average person's dream home. And that's just coming out of school. Most dentists also pursue a career, which this is a different point we might make, but pursue a career where owning a business is kind of the common way. And it's kind of the goal for most dentists, right?
Yeah. I think it still is. Yeah.
It's changing a little bit.
A little bit. There's more options now before, but it's the most common thing is that you want to own a practice. And so, before you even go buy your business, you're already in the hole that much. And then when you add a mortgage on top of that and you add a business, I mean, you can add a business loan on top of that, of another… It could be as cheap as a few hundred thousand dollars, it could be half a million dollars, it could be seven figures. And then some other things. That's the first thing that came to my mind is, before the career even begins, day one, you have more debt than any other average person will have throughout their entire lives, more than likely. Anything that you want to… I don't know if that was on your list or not.
That was number one for me too.
So here's the question is, what are the different… In your mind, Matt, or your experience, what are the decisions that are different for a dentist throughout their career that are different in debt decisions? Or that makes their situation different because of all this debt?
Yeah. I think the fact that the debt load is so high, again, it's this, you kind of have to have it to get to where you are in your career early, early on. It's kind of this recognition that you're going to carry that a lot longer in life, most likely, right? And you're going to have to. Because like you said, if you're going to be a business owner, that should be your priority. Growing that income, growing that practice. And that decision to kind of push off that debt extended it out, carry it longer in your life. I'm not going to say in every case is the right way, but in most cases, it's going to be the right way to do it. So I think the psychological impact that can have-
I'm glad you said that.
Yeah, I think that's something that, again, something we see all the time is like how to approach that from a psychological and emotional perspective. And reaffirming to them, like this is the right move, carrying this debt, extending it out. Maybe not worrying about the interest rate for right now or the payment or whatever. Focus on your business first, other things.
You bring up such a good point. I'm glad you said that. Because think about the pressure of carrying that much extra debt before you even get to begin your career, ,in a lot of cases, start your family decide where you're going to live, get your first house, whatever. You've already got crushing amounts of debt. The most average people would just be like, "This is insane."
Blow their minds.
It'd blow their minds. So you're already beginning in a position where your future decision-making is going to be more heavily weighted with emotion and pressure and stress and anxiety than one of your peers. Even in the same income range, or even in a similar field of income range or something, you're already dealing with an amount of pressure that your peers don't feel. In our process, if you want to know what we're talking about, you can follow along on the website, dentistadvisors.com, click on elements. There's this thing that we do once a year, we dedicated an entire month to this subject of debt. And you can go to the elements page and click on debt rate. It's in the middle row of these little boxes, the third one over, I don't know what color is it? It's on your shirt right now. Green? It's probably green.
It's green. It should be red.
Yeah. I was just thinking that it should be red. We're always in the design process.
It's always evolving.
So, this really different though. Every single year, we spend an entire month analyzing the interest rates, and the terms, and the payments, and the remaining amount of interest for every client. And we look at it and we go, "Can we get a better rate today? Can we combine some loans? Should we start paying extra on some of these things?" That's just a unique piece of financial planning that most other people, even peers with similar income, similar net worth, will not likely have to deal with. But it's very likely that a dentist could refinance loans literally every year in order to keep lowering payments, or lowering interest, or speeding up debt reduction. And maybe we're a little bit biased over the last, I don't know, since we started this business rates have just kept going down. So I imagine at some point refinances won't be as common. But I mean, we've been refinancing loans since '06. Not we, I mean, we've been helping dentists find a good lender to do that.
So from a financial planning perspective, that's just such a unique thing, that's an activity you should be going through. Imagine if you're a dentist and you started on your 15 year loan and your practice, your 20 year building loan, and you never refinanced again, you started at five, six or seven percent interest rates. I mean, you're leaving tens of thousands, probably hundreds of thousands of dollars a day.
It could be hundreds of thousands. Yeah.
I mean, I will say from my experience over the years, every year when we run this month and dentists take a look at their new debt, I mean, dozens and dozens of people end up refinancing probably millions of dollars in debt and probably saving multiple six figures in interest, easily. Let's hit one on your list, Matt. What's one you want to bring up, something that makes it a dentist different that'll alter their financial planning.
Yeah. I think it is along the same lines, but with the schooling, and how long it takes, but you hit it a little bit in your first comment, where they come out and they're kind of this… More than any profession out there, even most MDs. They're this hybrid right there. We call them entre professionals, right? Because again, for the most part, owning a practice is going to be the end goal. So they come out, they're a clinician, right? But they're also a business owner. So again, we've coined this term entre professional. No other industry really deals with this. Again, there might be some MDs out there, yes, I know. But it's the norm for the dental space. So it brings challenges and things that nobody has to deal with. You're running this business, and by the way, most of the time it's getting better, but you're not taught how to be a business owner or no finance or no one-
Not part of the 10 years or half a million dollars training.
You're coming out of school with 500 grand in debt. And you don't know how to run a business. And what's the first thing you're doing in the first two years usually? You're buying-
And the most important things you'll do. I hate to say, I don't know, someone fight me on this, but some of the most important decisions you'll make are business decisions, not just clinical decisions early in your career. I mean, they're just so crucial. So I guess going back to the flight attendant analogy though, is when these things come up, like if you're dealing with your debt or you're dealing with career decisions that are dramatically different than most other people have to deal with, because not only do you have to fix teeth well, but you have to train people and run marketing, and manage a P&L.
Yeah, you're HR, you're marketing, you're sales. Yeah.
So when you have questions about these things. And you… It's, again, when there's turbulence on the plane, when there's turbulence in your debt and there's turbulence in your business decision-making. Things you have to deal with, the hundreds of decisions you'll have to deal with as a business owner. You want to be able to turn to the person who's seen it hundreds of times too, and go… When you're freaked out about your debt load, or, "Man, I'm about to take on a partner. Is this normal? Do other people go through this?" You don't want the flight attendant to turn around and be like, "Bro, I don't know. I don't really fly that much."
"I have no idea what's going on. Haven't heard from the pilot in like 30 minutes."
Can you imagine if you look at the flight attendant and you're like, "Are you scared?" And they're like, "I don't know. I don't really do this that often."
"I haven't seen this ever."
That would be a huge problem, man. I think that's a good one. Let's take a quick break, mostly because I need to wet the whistle and stretch the quads and then we'll be right back.
As you've listened to our podcast, maybe there's a question about your finances you've wanted to ask. It's easy to get an answer. All you do is just pick up that phone, give us a call at 833-DDS-PLAN to set up a consultation. Or if you don't want to call us, you can just go to the website at sentistadvisors.com, click the book free consultation button and set it up. It's free. Do it today.
Okay. A whistle wetted. We're back in the whistle's wetted.
My dad says that a lot, "I'm going to wet my whistle."
I just don't, I think that's probably a dad phrase that should be retired permanently.
I don't know. I feel like-
Let's just mark this as the last time that it'll ever be said.
I don't know, I feel lik I'm going to start saying it more.
As the resident old guy in the company, I have reserved the right to continue to say weird dad things.
Here's the thing, I'm still a new dad. I'm still in the new dad phase. I feel like I want to take advantage of the dad jokes and the dad things I can say now, for at least a little bit.
Well you can use that one then.
I'm going to use that.
Let's talk about spending. I think the last time we measured this… So again, spending, if you go to dentistadvisors.com, click on elements. Spending is a subject that we spend an entire month on every year.
It's pink
It's pink, probably.
I mean, it's pink on this shirt. I think it's kind of a pink.
Yeah, it's a -ish color. If you go there, this is also another subject of financial planning we spend an entire month on. And a very common question, I think everyone wants to know, but of course it comes up with dentists is, "Do I spend too much money?" Or commonly, because we also double as marriage counselors, "Does my spouse spend too much money?" And actually it doesn't usually come in question form. It's usually a statement, "My spouse too much money."
And they're hiring you to tell them that.
Yeah, so that comes as a statement. And the actual question is, "Can you help them fix it? Can you stop them?"
Yeah, that's true. It's a statement-
Then a question.
And then it's like, "Can you help me?"
But the question is, "Do I spend too much money?" And again, if you don't watch the way a dentist spends their money, you might be blown away by how much money gets spent. So the last time we ran this element for our clients and did the average, it's been increasing, obviously. I think the average used to be around 15,000. It's closer to 17 or 18 now.
It'll be interesting to see 2020.
Yeah. I don't know. Maybe everyone out there hiring us are just big spenders and you're skewing the averages, guys. So, if you are-
Do you think listeners right now are like, "What the…"
I bet not.
I don't know, man. I mean, and that's the thing. It goes back to the amount of debt dentists carry and well, I guess we might as well hit it right now in income. So according to Census Bureau studies, which I think there's a flaw in the methodology here, dentists are rated as the number two occupation for highest earning occupation in the country. The methodology though is by taking W2 income, publishes payroll data-
Which is dumb.
Which a dentist's total income, it doesn't come from all W2. So if I had to just, if I was a betting man, which I'm definitely not-
What is that number by the way, do you know?
What? The average?
It's like 200 or something or-
I think it's high one hundreds.
So that's way too low.
Way too low. Now for a brand new associate, it'd be like, "Yeah, that's what I make." But across all the country, and especially all the business owners, most dentists are taking most of their income from net distributions of net income. So I would argue, if I were a betting man, which I'm not.
You're not?
No, I don't know how to play any good casino games.
Yeah. You're not like a fantasy football guy?
No, I don't know how to even begin
Because betting is now legal.
It is now legal. I don't even know where to begin with that stuff. But if I were, I would say that actually, dentists are the number one income category in the country, as an occupation. So what does that entail though? The more, and I don't know if this is human nature or it's the American way, but the more money we make, the more we spend.
I mean, this happens to everybody and dentists are no exception. So when you say the average dentist is spending 18 grand a month or 17 grand a month, the people that we work with, I would easily be willing to say that the average dentist is, in the whole country, all 200,000 dentists, is not spending less. The average is not less than 12,000.
I would say the average has got to be pretty representative of what we're collecting. And if our average is going up, but we're getting more clients than we've ever had, then the average is probably holding pretty true for the group.
We have a big enough client base that we can kind of use that as a-
Now our clients, obviously the bias is skewed by people who would hire a financial advisor, which might skew towards wealthier, higher income people. But anyway, the point is, if you're asking that question about yourself, "Do I spend too much money? Is this adversely affecting me the way I spend," or "Does my spouse spend too much money," or "They do spend too much money, can you stop it?" You want to ask that question to someone who's seen hundreds of dentists spend their money and what they spend their money on. That's not to say that we're creeping in the transaction history, I don't got time for that.
Only on a weekend when I'm bored.
I don't got time for that. And I don't care. But if you've watched a dentist, and dentists, hundreds of them spend money over years and years of career, you're just in much better position to either tell someone, "Yes, and here's what we can do," or "No, but you know, we got to watch these other categories." Now, if you didn't know that, let's say a dentist went to their friend next door who's, I don't know, a sales employee at some-
We're not going to name names.
Printer company. That seems generic. Dunder Mifflin printers, Sabre.
They're a printer salesman for Sabre printers and they say, "Yeah, I, we spend $17,000 a month." I think their neighbor would just, their jaw would be on the floor. But I mean, if you tell an advisor that that's seen dentist spend money for long time, again, it's the flight attendant. They're not shocked. They're not freaking out. They're like, okay. The advisor's going to say, "Well, that's an interesting piece of data, but let's look at these other five pieces of data." Because that's really going to tell the story, right? Where else is your money going? What's your savings rate? So, anyway, spending's a really fascinating piece that I don't think, I mean, dentists know, but I'm not sure they think about that as, "Oh, that's a unique thing that really drives my financial planning in a very different way." Because we only work with dentists, and we only hire people who want to work with dentists, and we only build marketing for dentists, and we only build systems and process for dentists. That's all we learn about. Those are the only shows we go to. Those are the only events we attend. We've built an entire-
It's exiting too.
It's fascinating. So, if a dentist asked that, "Matt, do I spend too much money?" Well, there's one data input there, right? Well, what do you spend? It's 16,500 a month. Okay. Well one data point tells you that's kind of in line with average, but as a dental specific financial advisor, you go, "I also know what savings rates should accompany the income you're at." And I know that because I only work with dentists and that's all I've seen people do.
And what collections numbers, you're going to have to see-
What's the profitability-
What's the average profitability collection. You're thinking about all these things.
Yeah, there's all these things. And so, because you're in a firm that only builds systems to track… Now you can actually give a better answer than "I think," or "Yeah, that sounds about right for your income." But now you can go, "Well, that's average to your peers, but what's your savings rate and your income and your collections? Oh, you're making 400, but you're only saving 12%. Well, something's too high and it could be you're spending. Something's wrong there." Right? And you'll have the tools necessary to answer the questions in more depth and give more context, which leads to better answers. It leads to better decision-making, more rational, less emotional decision-making than if you don't see that stuff that often, and you only stop there. "I think 16 is a lot, I don't know."
Sounds good.
Sounds good. Sounds about right.
I'd like that life.
I think you make a lot of money. You're probably fine.
Okay, let's hit two more that I think are big differentiators. Dentists want to know about their investments, how to invest money, how to grow their net worth. And so, let's just strictly talk about dentists who are choosing to be public market investors. You're going to own stocks and bonds, mutual funds, and you're going to have 401ks, and IRAs, and brokerage accounts. How are dentists different than the average person when it comes to investment accounts? And maybe, well, I don't want to put words in your mouth. How are they different when it comes to investment accounts and investing money in public markets, stock market?
Yeah, I think there's a couple of things. First of all, the timing, like where they are… And this kind of comes back to the debt discussion as well. For them to even have extra money to invest, I think is going to be much different than their peers.
So when they actually start, most dentists do start saving money later than their peers in their life. Which, what does that mean? You got to save more than if you'd started earlier.
Usually saving more. And I just think, again-
It's a good point.
They're seeing their peers investing, they're hearing things from friends, whatever they're investing, and the dentist is sitting here being like, "Man, I'm still, you know, paying off my-
I'm still waiting.
I'm still waiting. I'm getting my business started or whatever, so I think the timing is a big one. The other thing for me that comes to mind, you might be thinking something different, but what I was thinking about this was, the dental space is a small world, Right?
We're a tight family,
We're a tight, tight family. And things get kind of out there, and you start to hear these different themes with investing. Whether it be, right now 2020, it's day trading. For a while-
It's just some wild stuff.
It's just some options, whatever. So you start to hear these themes. I feel like, I don't think this is probably unique just to dentistry, but I feel like it is. It's a small world. You start to hear the same kind of things that they're hearing out in these events they're doing.
Right? So, I think that impacts them as well. They feel drawn to these certain things like hot stock tip type of things.
We talked about income and the high income earners. Not only is income high, but it's steady and it's consistent. Dentists are massive targets to be pitched anything. Which again, if you are going to bring a deal, right? Someone comes to you with something that's non-conventional, and they're like, "Do you want to invest in this? Will you give me money to start this company?" It's ideal that you run that idea past someone who's seen it multiple times, right? Like Matt, have you ever seen a dentist give a family member money for a startup?
Yes. And it always ends poorly.
Have you seen a dentist invest in restaurants? Have you seen dentists buy raw land for oil drilling? Have you seen dentists buy gold? And…
Have you seen a dentist with their brother-in-law coming to them about some options trading strategy?
It's always the brother-in-law.
But yes, yes, yes, yes, yes. I mean, that's the point is you want to run that idea past someone who's seen other dentists have unconventional pitches on things to invest their money in. But back to investment accounts. Here's what's interesting about a dentist. If you ask maybe an average… I don't like the word, I don't mean average. If you ask a financial advisor, or a CPA about something like where to invest money, right? If they're working with just more average people, not dentists, it's really common to hear something like, "Well, you put your money in your 401k and then, well, there's nowhere else to put it after that. So I don't know. You just like pay down your debt or something."
It's not, I guess here's what I'm saying. It's not normal for most people to have the kind of money leftover in raw dollar amounts that dentists do. And so, we could tell you that the average dentist we work with ends up having probably half a dozen different investment accounts in their life. Easily.
Easily. You're maxing out your 401k pretty easy. And then you're going to have-
There's still-
Tons of money left over
Most dentists have more money than can fit in a 401k. So over a whole career, you'll have Roths and regular IRAs, you'll have 401ks and profit sharing. Maybe you'll have a pension plan, but because you most likely have more money than can fit in those things, you also have after-tax accounts. And that's something that the average person doesn't have. Most people, if they actually save money, which a lot of Americans don't save money, they do it in their retirement plan at work. But it's not-
They'll get the match.
Yeah, they'll get the match, but it's not normal to be like, "Oh, I maxed it out, got my match at work. And I still have like tons of money to save." That's not normal. But it's very normal, that's like the standard for a dentist. So I think about this, I'm like, "Man, well, dentists end up having half a dozen or more investment accounts. By the time they're done working." All of those have different time horizons because, also, dentists own businesses that can sell for chunks of money, provide liquidity, right when they're done working, which means you don't have to access a lot of these accounts right off the bat.
Well, again, coming back to the difference we said, you're a business owner. You're investing in this private business that a typical, average person out there that's working a normal job, they don't have that opportunity to be invested in a private business.
No, it's not. It's not an opportunity. And so for a lot of people who retire, every account they've got, the clock starts right when they're done working. If you've got a Roth and an IRA and a 401k and then a savings account, all of those are fair game immediately because you need all the money. For a dentist half the time… I mean, that's a fake statistic half the time, I just said. I have no idea the amount of time.
Just go with it.
It's an expression, guys. Half the time.
Wet your whistle, half the time.
Yeah, do that. It's very common that a dentist gets to retirement, sells the practice, sells a building, has a chunk of cash after tax money. It's cash already. They don't need the 401k. They don't need the IRA. A lot of times they don't even need the brokerage account. And that might provide an extra five, 10, 20 years. You might have accounts you will never touch in your lifetime that are strictly going to be passed on for inheritance.
Hey, maybe you sell your business. You work one day a week in your practice. Is this what you're going to get to?
It's exactly it.
I didn't want to steal your thunder.
That's an awesome phrase too. I mean, how do you steal thunder?
I don't know but I feel like I just did.
I think you're a Greek God, maybe you steal thunder. But I mean, so think about that. If you have all these different accounts with different time horizons, that the average person does not have to face this decision, that means you should invest them differently. And that means that you probably should be pushed to be a little uncomfortable by your financial advisor who's seen this hundreds of times, to be a little more aggressive in the accounts they know that you're not going to touch for a long time. And unless your financial advisor also has incredible amounts of data and tracking on you, they won't be able to tell you that you're not going to touch that account, therefore, you should be more aggressive in it. They just got to know a lot of stuff about you. The thing you were just going to say… Well, elaborate on what you were just saying about the longevity of a career. Because I think this is, this will be our final point. I think this makes a giant difference in financial planning for dentists.
Yeah. I mean, again, comes back to the difference with their investment approach. We've talked about this a lot. What a cool profession it is that you can sell your private business that you've invested 30 years in. You can step away from that business, have a huge liquidity event, not touch any of the money that you've been transitioning from your human capital to your financial capital. Right? You don't have to touch that. You can work one day a week, maybe a day and a half a week, travel to Bora Bora whenever you want, and still make six figures. Right? It just gives you such an advantage, right? But like you said, it also changes the way you approach investing compared to the average person.
Yeah it totally does. I think one of the greatest financial planning tools dentists have in their control is the ability to keep working. Whenever I hear a dentist making decisions that puts them either on a path of longevity or burnout, I'm like, "Man, just err on the side of longevity." Because even if you're making 50 grand a year, which as a dentist is not hard to do. Even if you're making 50 grand a year at some point in your sixties or even your seventies, that is a big amount of pressure taken off of your investment accounts. And it could be the make or break for your future or the inheritances you want to pass along to your heirs one day.
So longevity in the career of dentistry, it's a huge financial planning tool that should be considered. If you're listening to this and you relate to this stuff, right? I go, "Yeah, I think I am pretty different." And the people around me, I want them to be the flight attendant that's been on thousands of flights before. So if I get nervous, or bumpy, or stressed, or I'm worried, or feeling insecure, which is 2020, that was the motto. Worried, insecure, anxious, unsteady, turbulent, scared.
Who do you turn to in 2020?
I don't know. Us, okay? Then you want the person that's been on thousands of flights, okay? And that's the point of this episode, is that's the argument for why you hire a niche person. Does hiring a niche person mean that there's hidden secrets? Here's what I think the problem, the mentality of this is, sometimes people have this impression. I'll hear this with CPAs a lot, with dentists hiring dental CPAs. Well, if I hire a dental CPA, does that mean that they know things other CPAs don't?
They're going to have a secret.
That's not the point. Maybe, yes, some things. Yes, they will know some things, but the point is they have context and experience that others don't. So when you go through all those times, you're running it past someone who's seen it way more times than you or the average person will have seen it. But to your point, we are going to be financial advisors till we're old and dying and have no more whistles to wet, basically.
It's going to be a long time for you, because you're going to be in peak physical condition. [crosstalk 00:39:12] a long time.
I've hurt my back a lot lately, so I'm starting to question that in my 40th year of this life. But, here's the deal. If you want to chat with us about this stuff, if you've got questions, you relate to these topics, and you're finally like, "All right, I need someone who's seen this stuff, that's taken a thousand flights in my corner." Go to dentistadvisors.com, click on the book free consultation button. You might get me or Matt on the phone or someone even better.
Chances of getting someone better than me is high.
People are manning the phones, we're standing by.
Ask for Ryan.
If you want. But, if you want to shoot us a question, you can go to dentistadvisors.com/group. That's our Facebook group. Post a question there. We do Facebook lives. We answer questions on the podcast all the time. So, anyway, thanks for listening. Thanks for tuning in and for all the support. Matt, thanks for being here. And yeah, we'll catch you next time. Carry on.
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