Shane Foss Joins Us On The Steve Jobs Inspired Join Up Dots Podcast
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Introducing Shane Foss
Shane Foss is today’s guest joining us on the Steve Jobs inspired Join Up Dots business podcast.
With over 20 years of tenure as an executive in the medical industry, Shane Foss became frustrated with how under-served Americans
were with the current healthcare options.
He set out to make a change and in 2018 achieved this goal through launching Hooray Health, an unconventional health insurance company dedicated to providing affordable basic and urgent health care alternatives to high-deductible health plans.
Through Hooray Health, Foss and his team focus on offering peace of mind to lower-income individuals and families who face medical challenges, while also providing business owners with an affordable way to reward and retain employees.
How The Dots Joined Up For Shane
Partnering with companies like Sedera, Ameritas, and Aflac, they have be able to add critical services and supplemental plans giving immense value to employers and individuals.
Throughout his professional experience, Foss has negotiated complex, multi-million-dollar contracts, worked in device sales management, created business strategies, and optimized P&L.
He holds an MBA from Rice University’s, Jone’s School of Business, a BS from the University of the Incarnate Word, and a Surgical Technologist Certificate from the United States Air Force.
So why did Obama Care never get off the ground, when it seemed certainly from this side of the pond such a good idea.
And what should people do if they cant afford the payments each month, especially when times like Covid-19
Well lets find out as we bring onto the show to start joining up dots, with the one and only Shane Foss.
During the show we discussed such weighty topics with Shane Foss such as:
Shane shares the complexities of starting a business in the medical field and the steps he took to ensure success.
We discuss the haunting period which takes a business from idea to the real world.
Shane talks about the moment that he sat with friends and family, and the surprising support he received.
Why its such an amazing idea to think about solving a problem for yourself and then see if you can scale it.
How To Connect With Shane Foss
You can also check our extensive podcast archive by clicking here – enjoy
Full Transcription Of Shane Foss Interview
When we’re young, we have an amazing positive outlook about how great life is going to be. But somewhere along the line we forget to dream and end up settling. Join Up Dots features amazing people who refuse to give up and chose to go after their dreams. This is your blueprint for greatness. So here’s your host live from the back of his garden in the UK. David Ralph.
David Ralph [0:25]
Yes, hello there. Good morning. Good afternoon. Good day, whatever time you’re listening to Join Up Dots. Thank you so much for being here. It’s an interview show. We’ve got a guest hanging on, ready to deliver wisdom and experience because they’ve certainly been on a journey to where they are today. Now with over 20 years of tenure as an executive in the medical industry. Our guest became frustrated with how underserved Americans were with the current healthcare options. And so he saw the problem and he decided to make a solution and he said To make a change and in 2018 just two years ago, achieve this goal through launching hurray health and unconventional health insurance company dedicated to providing affordable basic and urgent health care alternatives to high deductible health plans through hurray health him and his team focus on offering peace of mind to lower income individuals and families who face medical challenges, while also providing business owners with an affordable way to reward and retain employees. Now partnering with companies like Cydia mo just add flat, they’ve been able to add critical services and supplemental plans, giving immense value to employees and individuals. So why did the obama care never get off the ground when it seems certainly from this side of the pond? It seems such a good idea. It’s like what we’ve got and it works well. And what should people do if they can’t afford the payments each month? Especially went to names like COVID-19 I want us well, let’s find out as we bring Come to the show to start joining up dots with the one and only Mr. Shane Foss. How are you?
Shane Foss From Hooray Health [2:09]
Good morning, David. Feeling wonderful living the dream.
David Ralph [2:12]
I bet you are you’re locked up in some cupboard like the rest of us unable to get into the streets. And so whereabouts are you at the moment and how is it affecting you?
Shane Foss From Hooray Health [2:23]
So I’m, I normally live in Dallas, but we have a place up in a small town called Creek, Colorado. So I’m a we decided to pack up the family and come up here for a few weeks and enjoy the Rio Grande River and the mountain views instead of the city view. So yeah, it’s uh, it’s been good. It’s been really nice. And you know, it’s a it’s a good break. I think I’m working harder than I’ve ever worked before. Because, you know, you go back to back on your meetings now. So it’s a little crazy.
David Ralph [2:52]
I remember going into El Paso in Texas many years ago, and when I was a kid, my dad always used to play cowboys. He was obsessed with cowboys. And there was a artist called Marty Robbins and he always used to sing about the Rio Grande and I, I was expecting some amazing, amazing river, and I got to El Paso not a bit of water in it. It was the most disappointing river I’ve ever seen in my life. I I imagined that magic and mystery and people sit in on horses and stuff. So is it better up your end?
Shane Foss From Hooray Health [3:24]
Yes, we’re we’re only you know, we’re only 20 miles from the origin of the Rio Grande so it’s just a little bit a little bit northwest of us and so yeah, are you know, we’ve got a nice raging river we have world class fly fishing here. So yeah, it’s a it’s a wonderful place.
David Ralph [3:41]
Oh, somebody’s nicking the water halfway down because I tell you what, those those people in Texas they’re, they’re not getting any of it. But there’s there’s a problem that needs to be so well. Let’s look at you then. Because that’s why we’ve got you on the show because I’m always fascinated by people that can see a problem and they go about finding solution, but it’s a big solution to solve. It’s not something that, you know, you can just sit there in your special underpants and think, Oh, I can do this in a few weeks. There is sort of litigation and there’s, um, you know, meetings to be as a grown up business show.
Shane Foss From Hooray Health [4:17]
Yeah, it’s incredibly complex. There’s
a lot of compliance. You know, that it’s, there’s laws that have been on the books for, you know, many, many years and, and as the as health, health insurance has transitioned, over the last have changed dramatically, especially with telemedicine over the last 10 years. The laws haven’t caught up and so there’s unintended consequences, right. I think that the government wants to do right by the by the American people and make sure that everybody has affordable alternatives. But, you know, but it’s hard to keep up from a legality stamp. point. So there’s unintended consequences all the time where, you know, an employer is not able to offer a certain programme because, you know, just the legalities and the and the daily fine risk that they have. So it’s a really complex business. So that’s a very good observation on your point.
David Ralph [5:16]
So why go into a shame? You know, I look at it and I think, ah, couldn’t be bothered just reading all those phones and making sure it’s right. And then what happens if the government changes their mind two years down the line? It’s, it’s a it’s a minefield, isn’t
Shane Foss From Hooray Health [5:30]
it? Yeah, it is. I’m a constant learner. I love it. I think that, you know, the bigger the challenge, the more fun you know, my team is incredibly talented. And we’ve we’ve got the right expertise in the in the company now, from an insurance standpoint that really helps out makes us makes us a little more nimble, but it also gives us the ability to navigate the legal legal hurdles in the you know, the minds that you’ve got to avoid. And so, you know, it’s a huge need. It’s really sad when you look at the number of people in America that are, you know, one in five Americans are sent to collections for an unpaid medical bill less than $600. Every year, one in five Americans, and it’s just unnecessary. And you think that it’s the providers folly, everybody is the insurers fault. It’s, you know, it’s just, it’s a combination. Everybody’s, everybody’s guilty. And you know, it was worth the risk and the energy to put together Hooray, and, and that’s what we did.
David Ralph [6:38]
Right? The lucky underpants you’re sitting there, I always think of as you’re sitting there in your pants in your on your bed or under pencils, we would call them under over here. And you get this idea. And more often than not an idea has a kind of gestation period. And I guess said to me the other day, they said if you’re haunted by the idea Generally you’ve got to work on it. Because more often than not the ideas come and go and you’ve got this brilliant, I’m gonna do this. And then three days later you don’t even think about it. How long did the idea haunt you for before you decided to actually go through it?
Shane Foss From Hooray Health [7:16]
Probably a couple months, I had an experience where my back went out. And I went into an urgent care I had major medical insurance and I paid my $75 copay and I hadn’t hit my $6,000 deductible yet, so I asked him how much it would cost and they said it was $150 total charge. And I got an X ray on my neck. I had two injections. They found a little bone spur in my neck irritating my nerve root. And I got two injections, a muscle relaxer and an anti inflammatory. Well, three weeks later, I get an $800 balance bill. And that was really, you know, for me it was very eye opening because I understand the the space I understand you know, healthcare. I’ve been in it. Whole life. And I just didn’t understand how, you know, something that was $150 now turned into something that was $800. And I had no visibility. And so I started doing the research. And, you know, it was it was really obvious to me that there was a huge opportunity. And we, you know, my wife and I talked about it, and we just, you know, just dove in both feet. And, and, you know, and I think what’s really interesting is, you need to love the problem, not the solution. And what that means is you need to really understand the problem, love it and want to fix that problem or address that problem. And not your solution, because our our solution has, you know, it’s changed, evolved, I should say, over the last two years, you know, maybe 30 40% from what we originally had thought, and so You know, when it’s haunting you, and it’s and you see the you know, and you do your research and you look at the market and you see the demand, and that demand continues to increase every year.
You know, it’s a pretty good risk to take
David Ralph [9:17]
your wife Mo, will use somebody that was always coming up with these ideas, or was this a totally new one? Were you a corporate guy, but was always entrepreneurial? Or was you a corporate guy over the entrepreneur bug suddenly here?
Shane Foss From Hooray Health [9:33]
I will. I’ve been a corporate guy that was always an entrepreneur. So I’ve been in sales most of my life and which allows for entrepreneur ism. And I think that, you know, it was it I was destined to leave the corporate world and and start my own business. I just, you know, it was it was in the cards. I think my wife always knew it. You know, she’s always been I’ve been very blessed. To have a great wife and she’s always very patient with me and willing to take the risk with me, which is, you know, very unusual. So, yeah, so I, you know, I took the corporate life and learned everything I could took full advantage of it. And I worked for great corporations still have a lot of wonderful friends and mentors in those or in those organisations, and just really applied it to, you know, to a startup.
David Ralph [10:27]
When you’re gonna be in that period, which once again, I’m not speaking new stuff here. This is what happens time and time again, that you come up with an idea. You normally have a sounding board of friends, and they say, shine, what are you doing? You’ve only got to stay here for another 20 years and you get some kind of bonus or you know what, why? Why are you doing this? You’re all right. Did you get that and how did you overcome it?
Shane Foss From Hooray Health [10:54]
I absolutely got it. As a matter of fact, I had a lot of good friends that they thought I was absolutely In my mind, but, you know, you have to have the self confidence. And, you know, I think part of that confidence. Getting that confidence is doing the research and understanding the market and the opportunity. And if you take the time to really map it out, and be honest with yourself, that, you know, your, your ultimate goal is to build a successful business not to leave a corporation, right, find a reason to leave. I think that, you know, it’s much easier to move, but I definitely have a lot of people that thought I was out of my mind.
David Ralph [11:36]
It’s funny, isn’t it, that these people generally are the ones that love you and care for you? And that’s why they do it. That’s why they they anchor you, and so many dreams must have been born over a couple of pints and been killed over a couple of pints as well.
Shane Foss From Hooray Health [11:53]
Yeah, absolutely. You know, it’s uh, you know, I’ve got some of my closest friends. They You know, they, they chose not to invest initially and, and, you know, it’s too risky, which, you know, of course, we’re still friends and I don’t hold that against them. But, you know, I’ve also got, you know, one of my closest friends, you know, Kevin, he, he was we had breakfast all the time and in a store, you know, at a restaurant in US called Cracker Barrel. And that’s where really everything started. And he really just encouraged me to take the chance and he was the first to invest and, you know, you know, I owe everything to him. I love them. I mean, it’s great for doing that. You know, I think that when you’re an entrepreneur taking that chance, it’s a you know, it’s, it’s, it’s a huge risk, and like, you know, like you said earlier, and you got to be willing to take the risk, you know, you got to be willing to take, you know, take that chance in yourself, but so yeah, so you know, it’s a big responsibility because I still have my family. Emily, my kids, you know, my children in, you know, in college and in high school, you know, you have retirement. And so it’s a, but it’s a very rewarding, you know, we, you know, we employ over 20 people now, we should be at 30 by the end of the year. And, you know, the difference that we’re making in people’s lives, whether it’s our employees or whether it’s our members that are able to afford our insurance is is just a really, really an experience that
that you can’t put a price tag on.
David Ralph [13:36]
You come by that responsibility is a big one. I remember when I quit my job, and I had five kids and people just put I was mental but you can’t fight it. It comes a time but that moment is on you and you either accept that your life isn’t gonna be yours or you do something about it and some people settle back in. I couldn’t I had to make that Shift and make that decision.
Shane Foss From Hooray Health [14:03]
Yeah, I the call of the entrepreneur. Absolutely.
David Ralph [14:07]
Yeah. Sometimes in the last seven years, I wish I could have shut that code up, basically, you know, everything’s wonderful now. And of course, we will touch base on the ups and downs. Let’s listen to Oprah.
Oprah Winfrey [14:19]
The way through the challenge is to get still and ask yourself, what is the next right move? not think about, Oh, I got all of this stuff. But what is the next right move? And then from that space, make the next right move, and then next right move, and not to be overwhelmed by it. Because, you know, your life is bigger than that one moment. You know, you’re not defined by what somebody says, is a failure for you. Because failure is just there to point you in a different direction.
David Ralph [14:50]
Right. So you’ve sat there with your wife, you said no, I think this is a good idea about a back problem. The bills come in stupid price. I don’t know how Hang on, I’ve done this. Let’s create this. What were the first big obstacles that you had to overcome once you actually got past all those anchor people that said, your mental your mental Shane, you’ve got to stay where you are, what was the big obstacles that you can remember
Shane Foss From Hooray Health [15:18]
really starting to build our network, you know, working with working with our providers, identifying providers, and getting them to take a chance on us and sign a contract with us to build this, this national network that we’re working on. And so it was a completely different concept. People believed in us, they understood it, and and they, you know, they’ve been very patient. And so that was the next big hurdle. And then after that, it was really, you know, we, we raised a little bit of money to kind of build the processes out and get our first few clients and get it to market. And then, you know, and then it’s scary. Getting people to trust you and buy the product. And so yeah, those are those are really the big things.
David Ralph [16:05]
Because I love America. I always say if I could vacation, I’m coming to America and I will drive around there hitting Cracker Barrel whenever I want and, and having a lovely time. But I don’t think I could live there. And one of the things is like the health insurance and stuff. It’s quite expensive to live there, isn’t it? Why do you think Ben but abama care didn’t take shape? Because from the United Kingdom, we’ve got the oldest health care service in the world, and we don’t have to pay for it. It’s just kind of there. Why do you think he didn’t take shape for yourself?
Shane Foss From Hooray Health [16:41]
So obama care had really a lot of different I think faults, and of course, all of this is just my personal opinion. But they they tried to rush through something through that is very complex. There’s, you know, you have entrenched incumbents that you can’t kill, you know, multi billion dollar businesses that employ hundreds of thousands of people. And so it was a you know, I think it was something that was just pushed through too quick. And then in the end, what happens is, they end up under estimating the challenges for, for the average American, because what’s going to happen is you have a business that needs to make a profit. And when you’re not able to capture 100% of the population to disperse that risk. Now, the insurance carriers are only, you know, they’re only insuring the very sick, which means that the costs are going to drive up. I think it didn’t address pricing transparency, which is a huge issue in the United States. There’s no correlation between cost and quality today. And then the other thing is They they gave out for businesses where they were able to, they created what was called a minimum essential plan coverage plan, or a MVP, which is minimum value plan. And by doing that, the, you know, their original goal was that everybody would have a major medical coverage. Well, by, you know, by not really working with businesses and figuring out all of the issues trying to push something through quick. They they put this solution out there, well, you know, right away, it took a good portion of the healthy population out of the insurance pool. So, it’s just it’s unfortunate and I think that, you know, from a legality standpoint, you can’t force anybody to do anything. So, you know, it’s, it’s a, there’s multiple reasons, I think that it didn’t work. But you know, right now, it’s just, you know, the cost continue to go up. And the more and more it goes up, the fewer and fewer Healthy People are gonna be on the plane because they’re gonna opt out for other alternatives. And so the cost, you know, it’s just a vicious cycle.
David Ralph [19:12]
So you found the problem, it was your own personal problem that you’ve decided to sell. You then had to build a network, was it always going to be a proper company? Did you always think, yes, I’m going to happen employees, or was it something that you bought? Yeah, we could do this as an online platform, like so many other companies do? What was your thinking?
Shane Foss From Hooray Health [19:36]
No, I knew that we were going to have to have a, you know, employees in the company. I think, you know, we don’t have to be, you know, we don’t have to have thousands of employees, but because we do use technology a lot in our platform. And so we’ll be very efficient. But I think from day one, my my goal was always to build A company that was doing the right thing, supporting their employees, developing their employees, creating a place where people wanted to come work. Because when you have people that want to work with you, and you know, they want to show up every day, they want to do the best thing for your customers. And, and that’s and that’s what we’ve built. We’ve got a great organisation, we have great leadership. We have great talent, we have a lot of young talent and we have some old guys like me in there. So it’s it’s a good mix. So it’s the goal was always to build a sustainable company.
David Ralph [20:36]
Now, obviously at the moment, we are in a situation that if you listen to this show many years down the line you you might struggle to remember but we are in a situation where businesses are going under income is stretched, people are staying indoors, is a plus point for you at the moment or is this a drawback because I’ve spoken to many businesses over The last few weeks and even ones that you would think would struggle have said No, we’ve blemished things have just gone up and up and up because people are sitting at home and, and getting their, their, their self in order, I suppose and getting things structured. What about yourself?
Shane Foss From Hooray Health [21:18]
Yeah, so, you know, our as a company where we’re doing fine, we are clients. We have a lot of national clients that have furloughed, a lot of their employees. And so what we’ve deferred premium for them for the first 60 days at least, and then and then we’ll reevaluate at the, you know, at the end of May. But we’ve also had a lot of calls from employers that I think there’s a social awareness that’s been that’s been bubbling up now, where they want to make sure that their hourly part time non eligible, what we call in the US non eligible boys for benefits, that they actually have some type of Basic benefit. So we, we’ve actually had a couple opportunities where they wanted to offer something really quick. And and we were the solution. So I think we’ve got a little bit of opportunity, you know, on both sides, right. So we’ve got, we’ve got the awareness for the long term and the short term, we have the reality that they want to make sure that their their employees have access to go see a doctor or talk to a telemedicine provider if they need to, if they think especially if they think they have COVID
David Ralph [22:34]
we’re speaking to Shane FOSS and we’ll be back with him after these words.
Okay, we’re speaking to Shane Foss from Hooray Health. And before the ads, we were talking about the the gestation period, the creation of the business, but of course, it would be wrong to not delve into what is really providing and who’s providing it for so, who is your ideal customer and what are they going to get from hurray Help, but they’re not going to get from other people showing.
Shane Foss From Hooray Health [25:04]
Our ideal customer is a large employer that has a national footprint that has a lot of hourly, full time employees that are not participating in health benefits today, or they have a large part time contingent workforce. We, our benefits start at, you know, $75 a month and what they cover are the basic health needs. If you look at under the age of 45, the average person in the United States sees a physician 1.9 times a year, between 45 and 65. You’re looking at three times a year. And so we cover those the cost of that care at a very reasonable rate. We have a national Footprint Network where it’s a $25 prepay that they pay ahead and then there’s no balance bills. You know, remember that’s what got me was that Large $800 balance bill. So we, we have access to telemedicine, we have a mobile app that centralises all of our benefits. And we have 24 hour customer service and we have 24 seven, medical concierge service. So if you have a medical question, not sure where you want to go, that’s where you that’s where you’d call and so everything that we provide is for the member is easy to access right and low cost. We have a zero dollar cost telemedicine so you can see a telemedicine provider at any time especially during this covid scenario. telemedicine is really the way to go if you have any questions. And so we also offer mental health through the telemedicine. So which is very effective because you can call a provider talk to them over the phone. And it’s a it’s a really nice service. And again, we’re you know, we’re not trying to be major medical We’re not major medical we really we don’t cover you know cancer we don’t cover pregnancy you know, having a baby in the hospital stuff like that. We just we really cover the basic stuff that you need day in and day out for for healthcare.
David Ralph [27:15]
And what kind of costs vein is is obviously going to be more affordable but what is the general family, mum, dad and two kids what are they looking at?
Shane Foss From Hooray Health [27:27]
So with our basic plan, you’re looking at, you know, $250 a month for all four. And it’s, it’s very reasonable because you can get your wellness checks your annual wellness checks with a with a provider, with your kids, they can get their immunizations. The the big thing with kids, I know my children, you know, I was in the urgent care all the time, because they had the flu, it was strep or it was allergies or, you know, or they broke a bone One of the things that’s unique about our product is we we actually include what’s called an accident policy with with our programme that covers, you know, broken bones broken legs, which are obviously common when you have kids and they’re active and they’re out on the pitch playing soccer, or they’re on the baseball field playing baseball, and they hurt themselves. So we we really, we take a pragmatic approach to health care, we just really, we really want you to have access to take your child yourself and get your wellness check or, you know, get a flu test so you don’t go and in fact, the rest of the office.
David Ralph [28:41]
Last question before we send you on the Sermon on the mic to go back in time and speak to yourself. What is your dreams for her re health Well, is it global domination, or is it just more of the same or what you’re aiming for?
Shane Foss From Hooray Health [28:57]
Our goal is to be the provider. of choice for large businesses that have large part time contingent and hourly workforces that aren’t participating in health care, we, their health benefits. We Our goal is really to be the company that people look at with respect, because we provide a a quality product and we’re constantly improving to make make health care affordable for the everyday American.
David Ralph [29:31]
That’s a nice thing to have, isn’t it?
Shane Foss From Hooray Health [29:34]
Yeah, it’s a great goal for us.
David Ralph [29:36]
Yeah. You should be proud of yourself. You should be when you’re laying in bed with your special fluffy pillows around you. You think yourself I’m doing something good here.
Shane Foss From Hooray Health [29:46]
Yeah, absolutely. it you know, our, our story or mission statement, you know, it’s a, it’s a it gives you something to wake up for every day. And, you know, our employees, they they’re happy to come In the work there, you know, there, they can, they can probably say that, you know, they’re helping people every day honestly. And and that’s, you know, it’s a great thing.
David Ralph [30:09]
Of course it is a course it is, as is having the ability to go on to the Sermon on the mic, which is where you’re heading. Now. This is the part of the show that we’ve been heading to. And this is when we’re going to play the music and send you back in time to be able to have a one to one with your younger self and what would you like to speak to him about? Would you give him advice, or would you just tell him to make it up as he goes along? Well, we’re going to find out because I’m going to play the music. When it phases your time to talk. It’s this sermon on the mic.
Shane Foss From Hooray Health [31:01]
Shane, you’ve got a great life ahead of you. I have a few words of wisdom for you. The first is Be patient. Things will come. Just be patient, learn, be the best you can be focus on what’s right in front of you. Be patient. The second thing is, family is always first. Make sure that you take the time for the vacations. Take the time to spend with your kids. As little as you know, as little as it sounds, you know, the baseball games, the volleyball games, the basketball games are so important. Make sure that you continue that relationship with your children. Take time with your wife, make sure you’re taking the vacations and the one on one time. Because happy wife happy life. The last thing is make sure you’d really Be a good friend, be a good business partner to everybody that you work with. Make sure you’re honest all the time, make sure that you are moving quickly. When you need to make a change, that you’re that you’re but you’re taking the time to really make sure that it’s the the right, the right move, do what’s best for other people. And and the last thing is, just take the chance you’re worth it. Take the chance, you’re going to be successful. And and just trust yourself.
David Ralph [32:39]
Always comes down to trusting yourself, doesn’t it? So show you what’s the number one best way that our audience can connect with you.
Shane Foss From Hooray Health [32:47]
Sure, so we are at www dot horae h o ra y healthcare calm and you can you can connect with me or anybody on our team via our website and there’s anything I can ever do for anybody. You know, if you have any questions from an entrepreneur standpoint, I always love talking to entrepreneurs, so feel free. If I can help you from a health insurance standpoint, and you want to learn more, please reach out, we’d love to talk to you.
David Ralph [33:16]
We have over links on the show notes. As always, Shane, thank you so much for spending time with us today. joining up those dots and please come back again when you’ve got more dots to join up because I do believe that by joining up the dots and connecting our paths it’s the best way to build our futures. Shane, thank you so much.
Shane Foss From Hooray Health [33:35]
Thank you David. Really enjoyed it.
David Ralph [33:40]
Yeah, Mr. Shane fosse farm hooray help. So if that’s of interest to you, then you know where you can go come over to the website, and you’ll find all the links there for affordable health care. And of course, it was an interesting story of how he made that decision by finding a pain point in his own life and thinking I reckon I could feel better For other people, until next time, thank you so much for being here with us on Join Up Dots. And as always, we’re here to drive you forward to a better life, whether it’s financially, whether it’s mentally, whether it’s health or whatever. You’re going to get there. With Join Up Dots. See you again. Bye.
See ya. Join Up Dots. You’ve heard the conversation. Now it’s time for you to start taking massive action. Create Your life is the only life you will give be back again real soon. Join Up Dots Join Up Dots, Join Up Dots, Gods Joy Joy