Jan. 20, 2026

Fatty Tumors in Pets + You Must Have a Line of Credit

Fatty Tumors in Pets + You Must Have a Line of Credit

Season 20, Episode 6 of The Adventures of Pipeman. It’s the Positively Pipeman weekly segment of The Adventures of Pipeman. Chapter 1: The Pet Health Guru is going to talk with Pipeman about Fatty Tumors and you can learn why they appear and what...

iHeartRadio podcast player badge
Amazon Music podcast player badge
Audible podcast player badge
Spotify podcast player badge
Pandora podcast player badge
Apple Podcasts podcast player badge
Spreaker podcast player badge
Overcast podcast player badge
Castro podcast player badge
PocketCasts podcast player badge
Podchaser podcast player badge
Deezer podcast player badge
Podcast Addict podcast player badge
RSS Feed podcast player badge
iHeartRadio podcast player icon Amazon Music podcast player icon Audible podcast player icon Spotify podcast player icon Pandora podcast player icon Apple Podcasts podcast player icon Spreaker podcast player icon Overcast podcast player icon Castro podcast player icon PocketCasts podcast player icon Podchaser podcast player icon Deezer podcast player icon Podcast Addict podcast player icon RSS Feed podcast player icon
Season 20

Season 20, Episode 6 of The Adventures of Pipeman.

It’s the Positively Pipeman weekly segment of The Adventures of Pipeman.

Chapter 1: The Pet Health Guru is going to talk with Pipeman about Fatty Tumors and you can learn why they appear and what can be done...

Chapter 2: Michael Barbarita of Next Step CFO and Powerful Business Strategies will discuss why you must have a line of credit even if you don’t use it. You never know when you need it. However, you must use the line of credit for the purposes it was intended.

Click Here to Subscribe to The Adventures of Pipeman for PERKS, BONUS Content & FREE GIVEWAYS! 

Take some zany and serious journeys with The Pipeman aka Dean K. Piper, CST on The Adventures of Pipeman also known as Pipeman Radio syndicated globally “Where Who Knows And Anything Goes.”

Positively Pipeman hosted by Dean K. Piper, CST features other international authors, speakers, trainers, advisors, coaches and other experts here to help you in business & personal life including Self-Help, Motivation, Business, Marketing, Empowerment, Spiritual, Inspiration, Health & Wellness, Relationships, Goal Setting, Belief Systems, Mindset, Sales, and so much more on your journey to Success, Freedom, and Happiness!

Would you like to be a sponsor of the show?
Would you like to have your business, products, services, merch, programs, books, music or any other professional or artistic endeavors promoted on the show?
Would you like interviewed as a professional or music guest on The Adventures of Pipeman, Positively Pipeman and/or Pipeman in the Pit?
Would you like to host your own Radio Show, Streaming TV Show, or Podcast?

PipemanRadio Podcasts are heard on Pipeman Radio, Talk 4 Media, iHeartRadio, Pandora, Amazon Music, Audible, Spotify, Apple Podcasts, and over 100 other podcast outlets where you listen to Podcasts.

The following are the different podcasts to Follow, Listen, Download, Subscribe:
•The Adventures of Pipeman
•Pipeman Radio
•Pipeman in the Pit – Music Interviews & Festivals
•Positively Pipeman – Empowerment, Inspiration, Motivation, Self-Help, Business, Spiritual & Health & Wellness

Click Here to Subscribe for PERKS, BONUS Content & FREE GIVEWAYS!

Follow @pipemanradio on all socials & Pipeman Radio Requests & Info at www.linktr.ee/pipemanradio

Stream The Adventures of Pipeman daily & live Mondays, Tuesdays, Wednesdays at 1PM ET on W4CY Radio & Talk 4 TV. 

Download, Rate & Review the Podcast at The Adventures of Pipeman, Pipeman Radio, Talk 4 Media, iHeartRadio, Apple Podcasts, YouTube & All Podcast Apps.

WEBVTT

1
00:00:00.400 --> 00:00:03.359
The following show contains adult content. It's not our intent

2
00:00:03.439 --> 00:00:05.599
to offend anyone, but we want to inform you that

3
00:00:05.679 --> 00:00:07.519
if you are a child under the age of eighteen

4
00:00:07.919 --> 00:00:10.320
or get offended easily, this next show may not be

5
00:00:10.359 --> 00:00:13.439
for you. The content, opinions, and subject matter of these

6
00:00:13.439 --> 00:00:15.640
shows are solely the choice of your show hosts and

7
00:00:15.679 --> 00:00:18.399
their guests, and not those of the Entertainment Network or

8
00:00:18.440 --> 00:00:22.320
any affiliated stations. Any comments or inquiries should be directed

9
00:00:22.320 --> 00:00:23.199
to those show hosts.

10
00:00:23.239 --> 00:00:24.160
Thank you for listening.

11
00:00:32.679 --> 00:00:40.719
Hi, you unto censure for see why Bring You Young?

12
00:00:48.359 --> 00:00:49.520
Why kind of America?

13
00:00:50.079 --> 00:00:51.359
It's time for the adventures.

14
00:00:51.399 --> 00:00:54.000
You'll fight me out before see why do com list?

15
00:00:54.079 --> 00:00:56.439
Pompeas is number one internet radio station.

16
00:00:56.880 --> 00:00:58.560
Here's your host, the fight.

17
00:00:58.439 --> 00:01:02.840
Man, or maybe swamp Nut. It's all good.

18
00:01:03.320 --> 00:01:08.000
Oh wow, Hello, Welcome to this episode, episode six of

19
00:01:08.159 --> 00:01:10.959
season twenty of the Adventures of Pipe Man.

20
00:01:11.239 --> 00:01:13.920
Oh oh man.

21
00:01:14.159 --> 00:01:17.560
All right, so let's bring on some other co hosts,

22
00:01:17.560 --> 00:01:19.040
because you know the pipe Man is going to be

23
00:01:19.079 --> 00:01:21.599
here any minute. You know, he gives me just a

24
00:01:21.959 --> 00:01:25.319
little bit of airtime and then he takes it away.

25
00:01:25.719 --> 00:01:29.760
But let's bring on some other folks. Let's see Studio

26
00:01:29.879 --> 00:01:37.239
Nut join us and see just like that, he's not

27
00:01:37.519 --> 00:01:38.359
going to do it.

28
00:01:39.920 --> 00:01:43.200
Oh no, I'm here, I'm here now. I just I

29
00:01:43.239 --> 00:01:44.519
wanted to see how you would react.

30
00:01:45.079 --> 00:01:47.719
Here's a pipe, man, Now, I think that's what I mean.

31
00:01:48.200 --> 00:01:48.760
Just like that.

32
00:01:48.879 --> 00:01:49.439
I've seen him.

33
00:01:49.640 --> 00:01:53.719
Man, there you go get well, you know what, it's better.

34
00:01:53.920 --> 00:01:56.760
I like being better down here because you can keep

35
00:01:56.799 --> 00:02:04.519
that banner up there to cover Rebel's face. Hello, it

36
00:02:04.599 --> 00:02:06.920
covers the big forehead. It doesn't look like she has

37
00:02:06.920 --> 00:02:07.560
a big forehead.

38
00:02:07.680 --> 00:02:10.680
I have freaking my hair is up in the freaking.

39
00:02:11.719 --> 00:02:15.240
Im all right, but we can take that away from

40
00:02:15.240 --> 00:02:19.520
her face anyway. But yeah, okay, so here's what we're

41
00:02:19.520 --> 00:02:24.039
gonna do. Should should I be there? Yeah, okay, we'll

42
00:02:24.039 --> 00:02:27.000
do that. That sounds good. Hey Bill, how are you.

43
00:02:27.719 --> 00:02:29.120
I'm fantastic. How about you?

44
00:02:29.800 --> 00:02:33.919
I'm doing great? And uh, of course your bird's gonna

45
00:02:33.919 --> 00:02:35.039
be part of the show today.

46
00:02:35.639 --> 00:02:36.240
Absolutely.

47
00:02:38.360 --> 00:02:38.439
So.

48
00:02:38.840 --> 00:02:43.240
I watched these things on socials. They're going all over

49
00:02:43.280 --> 00:02:47.599
the place. This Ai parrot who does a lot of

50
00:02:47.599 --> 00:02:50.599
stuff that the parrot. You gotta check it out. You

51
00:02:50.680 --> 00:02:53.360
gotta go look on socials for these parrots that are

52
00:02:53.400 --> 00:02:56.919
like talking to the other animals and talking to humans.

53
00:02:57.039 --> 00:02:59.639
Or the animals are like bought in.

54
00:02:59.719 --> 00:03:03.280
The cat's bothering them and they're screaming, mommy, mommy, uh,

55
00:03:03.560 --> 00:03:06.039
you know, the cat's trying to eat me and h

56
00:03:07.000 --> 00:03:10.879
and stuff like that. And then and then they have

57
00:03:11.159 --> 00:03:16.319
the cockatoos that will in the middle of the night

58
00:03:16.919 --> 00:03:20.879
turn I talk to Alexa and get Alexa to play

59
00:03:21.000 --> 00:03:29.599
music and start dancing and last the music loud. In fact,

60
00:03:30.000 --> 00:03:34.159
Van while you see, if you can find something one

61
00:03:34.199 --> 00:03:36.400
of these videos to put up here so Bill can

62
00:03:36.479 --> 00:03:41.360
see maybe one of the parents like uh, you know,

63
00:03:41.479 --> 00:03:43.960
getting mad at the other animals, and maybe one of

64
00:03:44.599 --> 00:03:50.400
the cockatoos saying Alexa play disco and dancing like they're

65
00:03:50.400 --> 00:03:57.639
in the nightclub. So anyway, fatty tumor and pet tumors

66
00:03:57.639 --> 00:03:59.759
and pets. By the way, before we get to that,

67
00:04:00.240 --> 00:04:02.719
I wasn't here in the very very beginning, so I

68
00:04:02.759 --> 00:04:06.719
don't know what was said said because I had this

69
00:04:06.800 --> 00:04:10.639
scenario that was a five minute deal with a client

70
00:04:10.840 --> 00:04:16.079
that you know, you know those clients Bill, that they

71
00:04:16.279 --> 00:04:22.920
want to have control of things technologically speaking, and then

72
00:04:23.279 --> 00:04:27.399
they don't know anything about technology, so they insist on

73
00:04:27.480 --> 00:04:32.079
having control and then they screw everything up every time,

74
00:04:32.399 --> 00:04:36.920
or they don't know how to get into something. A

75
00:04:36.959 --> 00:04:42.079
little advice for my listeners here. Okay, make sure you

76
00:04:42.160 --> 00:04:45.560
remember what your email addresses to whatever you start to

77
00:04:45.600 --> 00:04:49.240
account with number one, because without that, you're not getting

78
00:04:49.279 --> 00:04:50.000
into your account.

79
00:04:50.120 --> 00:04:50.600
Number two.

80
00:04:50.920 --> 00:04:54.720
Remember your passwords, but if you don't know the email address,

81
00:04:54.759 --> 00:04:57.920
you can't reset the password either. So a five minute

82
00:04:58.000 --> 00:05:04.040
job that started at like seven this morning, uh, just

83
00:05:04.720 --> 00:05:11.600
finished like a few months ago. I'm sure you deal

84
00:05:11.639 --> 00:05:14.040
with that too in the store too, with people that

85
00:05:14.639 --> 00:05:18.000
they don't take your advice and then they get upset

86
00:05:18.040 --> 00:05:21.040
at you because something went wrong by not taking your advice.

87
00:05:21.120 --> 00:05:22.720
Is that true? Does that happen to you?

88
00:05:22.879 --> 00:05:23.959
Absolutely all the time?

89
00:05:25.079 --> 00:05:27.800
You know that that ties right into the topic for today,

90
00:05:28.879 --> 00:05:33.279
because what the consumers are being told on, you know,

91
00:05:33.680 --> 00:05:38.759
on a lot of technology is one thing, but medical

92
00:05:39.000 --> 00:05:42.800
on health, that sort of thing that involves a lot

93
00:05:42.839 --> 00:05:47.040
more common sense than the technical stuff on like trucks,

94
00:05:48.079 --> 00:05:50.720
and there is none.

95
00:05:51.720 --> 00:05:53.639
Well, you know it's funny too, And when I was

96
00:05:53.639 --> 00:05:56.879
playing up the tight and making the titles for today's show,

97
00:05:57.000 --> 00:06:01.000
because after after we have all this great pet stuff,

98
00:06:01.000 --> 00:06:03.519
we're going to go into some great business stuff later

99
00:06:03.600 --> 00:06:05.680
in the show, and we're gonna get do ticket giveaways

100
00:06:05.720 --> 00:06:05.920
and all.

101
00:06:06.000 --> 00:06:08.079
But you know, I was.

102
00:06:08.079 --> 00:06:10.600
Reading the title afterwards and I was like, screwed. I'll

103
00:06:10.639 --> 00:06:13.680
just leave it like that, because you know, people may

104
00:06:13.759 --> 00:06:16.480
tune in just because they think like me. But I

105
00:06:16.519 --> 00:06:19.920
was like, okay, so I named today's show faty tumors

106
00:06:20.120 --> 00:06:23.199
and pets. Plus you must have a line of credit.

107
00:06:23.920 --> 00:06:27.079
My first thought when I see that after I wrote it,

108
00:06:27.240 --> 00:06:30.800
was you better go get a line of credit for

109
00:06:30.920 --> 00:06:36.680
the veterinarians to pay them if your pets have fatty tumors.

110
00:06:37.600 --> 00:06:41.879
Absolutely, So that's not what I meant.

111
00:06:41.600 --> 00:06:44.680
By that, but I guess that was the universe just

112
00:06:44.759 --> 00:06:47.720
saying this is what really happens.

113
00:06:48.319 --> 00:06:52.800
It is it really is. You know, it's such a

114
00:06:52.839 --> 00:06:53.519
sad case.

115
00:06:53.560 --> 00:06:56.399
I mean, here we are in twenty twenty six and

116
00:06:56.759 --> 00:06:59.360
we can't get out of our own way when it

117
00:06:59.399 --> 00:07:03.439
comes to doing anything cancer except raising money for big

118
00:07:03.480 --> 00:07:06.319
foundations and big hospitals.

119
00:07:07.319 --> 00:07:09.279
You know, that's all we do. You just raise all

120
00:07:09.319 --> 00:07:12.160
this money for the you know, the search for the chure.

121
00:07:13.120 --> 00:07:16.120
Where are they looking because I know they're not looking

122
00:07:16.160 --> 00:07:20.399
at anything a living because the answer is right in

123
00:07:20.399 --> 00:07:21.160
front of us.

124
00:07:22.199 --> 00:07:25.800
Right, So what is this with fatty tumors and pets.

125
00:07:25.800 --> 00:07:26.639
How does that happen?

126
00:07:27.800 --> 00:07:31.360
Well, you know, one of the big issues of course

127
00:07:31.439 --> 00:07:35.600
with our pets is the amount of preventive medicine that's

128
00:07:35.639 --> 00:07:39.560
being perscribed. And that's in the form of shots.

129
00:07:39.160 --> 00:07:45.079
And warmers and uh, you know, heartworm stuff, all this stuff.

130
00:07:45.160 --> 00:07:46.319
You know, sometimes up to.

131
00:07:48.040 --> 00:07:50.800
You know, just on just on the injectables, up to

132
00:07:51.040 --> 00:07:53.439
up to one hundred different ones in the lifetime of

133
00:07:53.439 --> 00:07:56.959
a dog. Then you're taking it in like these so

134
00:07:57.079 --> 00:07:59.079
called heartworm remedies that don't work.

135
00:07:59.160 --> 00:08:01.279
They're not permitted, it says on the box it's not

136
00:08:01.360 --> 00:08:01.839
a prevention.

137
00:08:02.879 --> 00:08:05.759
But the veterinarian is actually lying to you when they

138
00:08:05.800 --> 00:08:10.879
say that, and you're giving you know, anywhere from twelve

139
00:08:11.000 --> 00:08:13.680
you know, from one ingestion a year to the twelve

140
00:08:14.319 --> 00:08:19.120
and you know other tablets or ghosts if you will,

141
00:08:19.519 --> 00:08:21.759
for the lifetime of the animal number. Wondering why the

142
00:08:21.800 --> 00:08:24.759
life of the animal is only, you know, averaging eight

143
00:08:24.839 --> 00:08:26.519
years now when it should have been over twenty.

144
00:08:28.120 --> 00:08:31.879
I have a question as far as that goes, what is.

145
00:08:33.360 --> 00:08:35.600
Like, what is wrong with humans today that they don't

146
00:08:35.600 --> 00:08:39.200
have common sense? I'm just thinking myself, Okay, if I

147
00:08:39.240 --> 00:08:44.240
have a dog or a cat, they survive, especially cats,

148
00:08:44.440 --> 00:08:45.320
they survive.

149
00:08:45.039 --> 00:08:46.960
Pretty well on their own on the end.

150
00:08:47.000 --> 00:08:49.759
They survive on the outdoors, whether they're domestic or not,

151
00:08:50.840 --> 00:08:54.600
playing fine on their own. Okay, And you know there

152
00:08:54.600 --> 00:08:56.679
are dogs in the wild or like if you go

153
00:08:56.759 --> 00:09:00.240
to Puerto Rico, there's dogs like they're hanging out every where,

154
00:09:00.399 --> 00:09:04.360
you know, places like that. Why is it that humans

155
00:09:04.399 --> 00:09:08.240
here don't use some common sense to say, oh wait,

156
00:09:08.919 --> 00:09:13.960
these dogs and cats don't need all this stuff except

157
00:09:13.960 --> 00:09:15.120
when they're in our house.

158
00:09:17.720 --> 00:09:20.559
It's you know, it's the narrative that of course has

159
00:09:20.600 --> 00:09:25.879
been provided for the last forty to fifty years basically,

160
00:09:25.960 --> 00:09:28.080
and of course they took it off the medical human

161
00:09:28.159 --> 00:09:31.000
medicine side, where you have to have checkups, you have

162
00:09:31.080 --> 00:09:33.840
to do this, you have to do that, and they

163
00:09:33.879 --> 00:09:36.639
believed that the only person I can give advice is

164
00:09:36.679 --> 00:09:40.159
somebody that's wearing a white coat. And you know, it

165
00:09:40.200 --> 00:09:42.600
doesn't matter how many letters you have after your name,

166
00:09:43.320 --> 00:09:47.759
doesn't make you smart, doesn't make you more edge, you know,

167
00:09:48.919 --> 00:09:51.279
not more educative, but you know, have more knowledge.

168
00:09:51.879 --> 00:09:53.559
It just means that you were able to pass a

169
00:09:53.559 --> 00:09:54.519
few tests in school.

170
00:09:54.679 --> 00:09:56.399
And you know it also.

171
00:09:58.759 --> 00:10:01.799
It also means they have the knowledg that's given to them.

172
00:10:01.840 --> 00:10:03.720
That doesn't mean it's the right knowledge.

173
00:10:04.440 --> 00:10:06.039
That's right. Yeah, it's a it's the same.

174
00:10:06.240 --> 00:10:11.120
I mean basically, in most cases, doctors, veterinarians are nothing

175
00:10:11.120 --> 00:10:14.720
more than be road pushers because you know, unless you

176
00:10:14.759 --> 00:10:17.720
get into some of the specialties, which the specialties don't

177
00:10:17.720 --> 00:10:21.440
work either because they're only looking at one body part.

178
00:10:21.840 --> 00:10:23.759
You know, you go to a heart specialties looking at

179
00:10:23.759 --> 00:10:27.600
your heart? How did I get a heart problem? Well,

180
00:10:27.639 --> 00:10:31.360
I don't know, probably hereditary, Probably genetics. You know, genetics

181
00:10:31.399 --> 00:10:35.879
has very little to do with that. You know, we

182
00:10:36.399 --> 00:10:39.440
never look at the root, cause that's where the problem lies,

183
00:10:39.679 --> 00:10:42.919
and that's where this all of this, uh, the fatty

184
00:10:42.960 --> 00:10:50.320
tumors that come from. Basically, it's cancer. However, most doctors,

185
00:10:50.360 --> 00:10:53.080
most veterinarians will not die, will not tell you it's

186
00:10:53.080 --> 00:10:56.519
a cancer. They'll tell you that, oh, this is just

187
00:10:56.559 --> 00:10:59.960
a little eruption in under the skin. We can just

188
00:11:00.159 --> 00:11:04.320
hack it out. And they're hacking these things out month after.

189
00:11:04.200 --> 00:11:06.639
Months, year after year, on an ongoing basis until it

190
00:11:06.679 --> 00:11:10.440
finally turns into a hard tour and then all of a.

191
00:11:10.440 --> 00:11:12.879
Sudden they're in panic moment. But they didn't do anything

192
00:11:12.919 --> 00:11:14.720
to prevent these from happening in the first place.

193
00:11:14.919 --> 00:11:18.039
They actually contribute to them with all these drugs.

194
00:11:19.000 --> 00:11:22.279
It's you know, and of course you know when you

195
00:11:22.320 --> 00:11:24.399
see some of the sizes of these things, how big

196
00:11:24.440 --> 00:11:24.960
they can get.

197
00:11:25.519 --> 00:11:28.440
That animal has got to be in discomfort all the time.

198
00:11:28.679 --> 00:11:32.120
Oh yeah, but you know, but if you actually watch

199
00:11:32.159 --> 00:11:35.360
the dog or the cat, they ignore it. You know,

200
00:11:35.399 --> 00:11:37.840
it's just a part of life. You know, they're not running,

201
00:11:37.960 --> 00:11:39.519
they're not running the oncolloges.

202
00:11:40.080 --> 00:11:44.600
You know, they're not little whiny uh bees like human beings,

203
00:11:44.600 --> 00:11:45.080
aren't it.

204
00:11:46.080 --> 00:11:48.320
No, they're not. No, they're not for the most part.

205
00:11:49.600 --> 00:11:51.559
And you know, there is there's a lot of technology

206
00:11:51.600 --> 00:11:57.120
out there, starting with food that actually allow the body

207
00:11:57.159 --> 00:12:00.240
to heal and cure itself. And you met in that

208
00:12:00.519 --> 00:12:03.799
is a concept that you can actually rebuild your own body.

209
00:12:04.639 --> 00:12:07.399
Wow, what a what a concept? Yeah, I did that

210
00:12:07.519 --> 00:12:12.440
when I reverse the diabetes. Doctor Jaafari's like, we're going

211
00:12:12.480 --> 00:12:14.519
to rebuild every cell in your pancreas.

212
00:12:14.600 --> 00:12:19.080
Okay, yep, that's that's what body does.

213
00:12:19.720 --> 00:12:24.039
And you know liver kidneys, I mean we basically replace

214
00:12:24.200 --> 00:12:27.399
enough cells in those every four months they have a

215
00:12:27.440 --> 00:12:28.919
healthy liver kidney.

216
00:12:30.159 --> 00:12:31.399
Unbelievable, So.

217
00:12:33.519 --> 00:12:38.919
Rebel, Yes, I have the deworming things worked for you.

218
00:12:42.559 --> 00:12:47.120
What deworming things the things that the vets are doing

219
00:12:47.440 --> 00:12:50.440
to like that he's just said doesn't work.

220
00:12:50.879 --> 00:12:53.600
I don't go to vets. I don't believe in vets.

221
00:12:53.639 --> 00:12:56.120
I don't. I don't have any faith in medical profession

222
00:12:56.279 --> 00:12:57.080
for humans either.

223
00:12:58.799 --> 00:12:59.919
Tell us why that is?

224
00:13:03.320 --> 00:13:05.960
Which part? Why do I not have faith in the

225
00:13:06.000 --> 00:13:09.440
medical profession? Because the A D, M, A M D.

226
00:13:09.600 --> 00:13:13.960
Whatever that thing is. They are a governing, governing agency

227
00:13:14.480 --> 00:13:17.399
of all people who pay lots and lots and lots

228
00:13:17.399 --> 00:13:20.159
of money to study, to have letters in front of

229
00:13:20.360 --> 00:13:26.600
or behind their names, and they never follow up on learning.

230
00:13:27.399 --> 00:13:30.759
The cosmetologist has to continue to learn every year, a

231
00:13:30.799 --> 00:13:33.840
lawyer has to continue to learn things every year. Doctors

232
00:13:33.879 --> 00:13:38.919
apparently go in test once, get those letters and screw

233
00:13:39.000 --> 00:13:40.679
people up so they can make a living.

234
00:13:43.080 --> 00:13:44.600
What do you think about that, Bill.

235
00:13:45.480 --> 00:13:47.279
Well, and there's a lot of truth to that.

236
00:13:47.600 --> 00:13:51.000
I mean, obviously, you know, in my sixty years of

237
00:13:51.039 --> 00:13:55.840
doing this, it's just been crazy when I look at

238
00:13:56.799 --> 00:14:03.080
the indoctrination. First off, that doctor and veterinarians are put

239
00:14:03.120 --> 00:14:09.120
into a position basically the Rockefeller model of only patented medicine.

240
00:14:09.600 --> 00:14:09.879
Nothing.

241
00:14:10.000 --> 00:14:14.200
Natural food has nothing to do with it. Exercise has

242
00:14:14.240 --> 00:14:17.639
nothing to do with it. You know, I'm down here,

243
00:14:17.919 --> 00:14:21.639
I'm driving over to the studio. I'm looking up at

244
00:14:21.639 --> 00:14:26.399
the sky. It's nothing but a checkerboard of chemtrails. Has

245
00:14:26.440 --> 00:14:29.600
been that way all morning long. And you know what

246
00:14:29.679 --> 00:14:31.960
are they? You know, all these poisons that are going

247
00:14:31.960 --> 00:14:34.000
into our body and they just add more to it,

248
00:14:35.039 --> 00:14:37.120
you know, So how can you believe them? You know,

249
00:14:37.799 --> 00:14:40.440
ask them, you know, if you ask them what, like

250
00:14:40.440 --> 00:14:43.159
you said, what the cause is? And actually is this

251
00:14:43.279 --> 00:14:46.159
medication going to help cure me? If it's going to

252
00:14:46.200 --> 00:14:47.480
shure me, why do I have to be on.

253
00:14:47.440 --> 00:14:47.960
It for life?

254
00:14:50.120 --> 00:14:50.360
Yeah?

255
00:14:50.440 --> 00:14:53.679
Exactly, you're on it for life because it doesn't cure you.

256
00:14:54.120 --> 00:14:57.039
It keeps you sick. But let's hear what a pirate

257
00:14:57.159 --> 00:14:58.440
has to think about.

258
00:14:58.159 --> 00:15:17.159
This aka playing disc play.

259
00:15:13.000 --> 00:15:13.919
In the morning.

260
00:15:16.120 --> 00:15:19.240
Round. There's another one.

261
00:15:19.320 --> 00:15:20.720
I think I think this is the one that you

262
00:15:20.759 --> 00:15:23.519
had mentioned that he requested, the.

263
00:15:23.519 --> 00:15:26.320
Perfect cockatoo one. That's the exact one I was talking

264
00:15:26.360 --> 00:15:27.799
about too. There's the other.

265
00:15:27.879 --> 00:15:32.600
There's another one that's similar where there's one like.

266
00:15:31.559 --> 00:15:34.240
Like parrots and cockatoos and the whole bunch of them,

267
00:15:34.720 --> 00:15:36.679
like they're at the studio fifty four.

268
00:15:38.919 --> 00:15:44.679
What's the R one you got there? One Alexa club music.

269
00:15:47.000 --> 00:15:49.759
Parrot go to sleep squawk.

270
00:15:53.639 --> 00:15:56.480
I didn't see that one, now, Yeah, find us the

271
00:15:56.519 --> 00:16:01.759
one where the the uh waiting call it the parrot

272
00:16:02.000 --> 00:16:04.679
is like yelling at a cat or a dog or

273
00:16:04.679 --> 00:16:08.600
something like that. There's also one that's pretty there's this

274
00:16:08.720 --> 00:16:12.600
TikToker that has this cocking two I think it is

275
00:16:13.279 --> 00:16:18.399
that is always yelling at them bill like yelling at

276
00:16:18.399 --> 00:16:20.799
the wife. Loves the husband, and then it'll come after

277
00:16:20.919 --> 00:16:23.320
wife and she does it on purpose on the TikTok

278
00:16:23.360 --> 00:16:26.840
obviously where she puts her feet up because he's coming

279
00:16:26.919 --> 00:16:33.200
after her. But he's just running around yelling at everybody.

280
00:16:33.399 --> 00:16:36.799
So well one files that go ahead.

281
00:16:38.480 --> 00:16:40.639
Yeah, that's I mean, there's a lot of there's a

282
00:16:40.679 --> 00:16:42.320
lot of truth in some of this stuff, because some

283
00:16:42.399 --> 00:16:46.440
of those birds can get pretty wacky. I know because

284
00:16:46.440 --> 00:16:48.879
I've Edwards for fifty years.

285
00:16:48.639 --> 00:16:51.919
Now, and uh they can. They can get out there.

286
00:16:52.000 --> 00:16:57.080
I mean was funny when we had earlier in my career,

287
00:16:57.159 --> 00:17:01.080
I was looking in retail at a basically a department store.

288
00:17:01.080 --> 00:17:03.279
We were in the pet concessions in it, and.

289
00:17:03.919 --> 00:17:07.039
We would get two o'clock in the afternoon three o'clock,

290
00:17:07.079 --> 00:17:10.039
those cockatoos would start screaming and you could hear them

291
00:17:10.079 --> 00:17:14.920
from ended in a huge, huge store. Nobody could talk nothing,

292
00:17:14.960 --> 00:17:16.400
and there was no way of shutting him up until

293
00:17:16.400 --> 00:17:17.640
they decided, Hey.

294
00:17:17.759 --> 00:17:18.400
I'm done now.

295
00:17:20.359 --> 00:17:22.920
I would probably do it on purpose. I mean, listen,

296
00:17:23.559 --> 00:17:26.880
I mean I would too. If I was a parrot,

297
00:17:27.319 --> 00:17:30.839
I'd be bugging the hell out idea.

298
00:17:30.519 --> 00:17:33.559
Well, they're flocking animals, and of course, because you have

299
00:17:33.640 --> 00:17:35.839
a single one, you're a member of the flock.

300
00:17:35.920 --> 00:17:37.759
So I'm going to yell at you for not taking.

301
00:17:37.480 --> 00:17:41.839
Care of me, right right? And I have to say too,

302
00:17:42.519 --> 00:17:42.920
is that?

303
00:17:45.319 --> 00:17:49.200
Well, see somebody else's is upset, Like did you not

304
00:17:49.319 --> 00:17:50.240
feel a dog today?

305
00:17:50.319 --> 00:17:50.480
Though?

306
00:17:51.559 --> 00:17:55.920
No, absolutely, I would say I would never have a

307
00:17:55.960 --> 00:17:59.480
bird again personally because I had parakeets and they were

308
00:17:59.559 --> 00:18:02.200
the most annoying pet I ever had in my life.

309
00:18:02.759 --> 00:18:06.839
They never shut up, even with the thing over the cage,

310
00:18:07.400 --> 00:18:16.079
and they would always ship outside the cage. That I know, right,

311
00:18:19.319 --> 00:18:23.920
that's truly, that's truly what a glory hole is right there?

312
00:18:27.039 --> 00:18:30.000
What about you one, what's your what's your fish?

313
00:18:30.079 --> 00:18:30.119
Do?

314
00:18:30.920 --> 00:18:35.720
They swim your guppy, your guppy yell.

315
00:18:35.640 --> 00:18:37.480
At you, or turn on the lexa or.

316
00:18:37.960 --> 00:18:40.000
I think I think one of them yelled at me

317
00:18:40.000 --> 00:18:42.240
the other day because he was like up against the

318
00:18:42.240 --> 00:18:43.759
glass while I was close by, and there was like

319
00:18:43.799 --> 00:18:45.359
bubbles coming out of his mouth. So I think he

320
00:18:45.400 --> 00:18:45.920
was yelling at me.

321
00:18:45.960 --> 00:18:46.720
I just couldn't hear it.

322
00:18:48.680 --> 00:18:51.559
All right, the bubbles come up and pop, all right,

323
00:18:54.240 --> 00:18:59.160
So what about you, rebel? They your animals yell at you.

324
00:18:59.160 --> 00:19:01.359
Now I keep them be happy. So now they don't

325
00:19:01.440 --> 00:19:03.799
yell at me. They like the photobomb and video bomb

326
00:19:03.799 --> 00:19:04.079
a lot.

327
00:19:04.200 --> 00:19:05.039
But it's okay.

328
00:19:05.799 --> 00:19:09.839
I wait that you keep them happy, but nobody else.

329
00:19:13.000 --> 00:19:17.240
Absolutely, I have no other time for other people. I

330
00:19:17.319 --> 00:19:18.480
just gotta, you know, take care of.

331
00:19:18.519 --> 00:19:24.559
Them well because their the ones are most grateful. Okay,

332
00:19:25.039 --> 00:19:31.440
like conditionally listen as somebody that has four kids, Okay,

333
00:19:32.240 --> 00:19:36.759
it is quite frustrating sometimes when kids think you didn't

334
00:19:36.799 --> 00:19:37.839
do something.

335
00:19:37.480 --> 00:19:40.599
That you did, or give it credit to the other.

336
00:19:40.480 --> 00:19:45.759
Parent that didn't do it, even when there's proof, they

337
00:19:45.799 --> 00:19:48.519
still don't believe you when there's proof. The mind is

338
00:19:48.559 --> 00:19:51.960
a funny thing. So everybody walking around this earth that

339
00:19:52.079 --> 00:19:57.039
has childhood trauma, you know, you wonder if it really

340
00:19:57.119 --> 00:20:01.200
is childhood trauma. Maybe it's parental trauma. Maybe the parents

341
00:20:01.240 --> 00:20:06.519
are traumatized by the kids. I don't know, but that's why.

342
00:20:06.119 --> 00:20:07.359
That's quite possible.

343
00:20:07.839 --> 00:20:09.839
That's why pets are the best, because, you know what,

344
00:20:10.119 --> 00:20:13.640
no matter what you do, unless you're an asshole, they

345
00:20:13.720 --> 00:20:21.880
still love you. Rebel's laughing because she's experienced that. And

346
00:20:21.920 --> 00:20:24.119
so yes, going back to oh, I have a question

347
00:20:24.160 --> 00:20:27.160
for you, Bill, Like you were saying about in discomfort,

348
00:20:27.160 --> 00:20:28.119
but you wouldn't really know.

349
00:20:29.559 --> 00:20:30.319
What do you think?

350
00:20:30.400 --> 00:20:34.839
Okay about the whole idea of people that are into

351
00:20:34.880 --> 00:20:38.319
fishing say it doesn't hurt the fish. I have a

352
00:20:38.680 --> 00:20:43.000
hard time, very hard time thinking that if you had

353
00:20:43.000 --> 00:20:45.200
a hook in your mouth or you're in your eye

354
00:20:45.519 --> 00:20:46.960
or something, it doesn't hurt you.

355
00:20:48.559 --> 00:20:49.519
What do you know, Bill?

356
00:20:51.400 --> 00:20:53.759
Obviously there's sensation error as well.

357
00:20:54.799 --> 00:20:58.039
In nature, though it's just kind of accepted you're either

358
00:20:58.920 --> 00:21:03.359
a predator or your prey and that's basically your only

359
00:21:03.400 --> 00:21:07.319
two options in the natural world. We're the only ones

360
00:21:07.319 --> 00:21:10.680
to try to change that, and we create diseases so

361
00:21:10.720 --> 00:21:12.559
that we can create treatments.

362
00:21:13.680 --> 00:21:17.920
So you know, if you're out fishing, you know you

363
00:21:18.000 --> 00:21:18.440
might want to.

364
00:21:18.480 --> 00:21:20.200
You know, when you hook a nice sized fish, you

365
00:21:20.240 --> 00:21:22.079
might want to take it to the trauma center before

366
00:21:22.119 --> 00:21:26.079
you you know, play it and have it for dinner.

367
00:21:26.599 --> 00:21:29.680
No way drug it.

368
00:21:30.279 --> 00:21:32.880
No, but it might give you an upset stomach rebel

369
00:21:33.200 --> 00:21:36.200
if it has trauma and you eat it that you

370
00:21:36.240 --> 00:21:38.920
know that trauma will be transferred and you'll have gastro

371
00:21:39.039 --> 00:21:39.839
problems from it.

372
00:21:40.960 --> 00:21:43.000
But if you take it to the trauma center, they're

373
00:21:43.000 --> 00:21:44.960
gonna drug it and they're gonna have problems from that.

374
00:21:45.160 --> 00:21:45.759
The drugs.

375
00:21:46.519 --> 00:21:48.839
Well, at least you'll have a good high going.

376
00:21:50.960 --> 00:21:51.839
Yeah, I mean, if.

377
00:21:51.839 --> 00:21:54.079
If you know, one of the things with when we

378
00:21:54.119 --> 00:21:56.759
look at at the food industry and media industry especially,

379
00:21:58.000 --> 00:22:00.880
is that you want to keep that animal that's going

380
00:22:00.920 --> 00:22:04.519
to be slaughtered as calm as can be, because if

381
00:22:04.519 --> 00:22:07.039
they're excited, if they're you know, being crowded, all of

382
00:22:07.039 --> 00:22:09.559
that sort of stuff is an adrenaline rush and that

383
00:22:09.640 --> 00:22:12.279
does affect quality and the taste of the food itself.

384
00:22:13.160 --> 00:22:17.319
And so you know, you know, when you're looking at

385
00:22:17.480 --> 00:22:20.599
the way we used to do things hunting and fishing,

386
00:22:21.079 --> 00:22:23.359
you want as quick of a kill as possible. That

387
00:22:23.359 --> 00:22:25.319
can't happen with fish unless you're spear fishing.

388
00:22:26.200 --> 00:22:30.519
But you know on what you know wildlife, you know,

389
00:22:30.559 --> 00:22:34.200
de your wild pigs, any of that stuff I wasn't

390
00:22:34.200 --> 00:22:36.799
clean shot and it comes as whole the system just

391
00:22:36.799 --> 00:22:39.640
shuts down. There is no adrenaline rush, and so it's

392
00:22:39.640 --> 00:22:42.240
a much higher quality food at that point in time.

393
00:22:42.720 --> 00:22:44.680
And of course that's one of the things that we

394
00:22:44.799 --> 00:22:46.799
have to look at when we.

395
00:22:48.440 --> 00:22:51.839
Have our pets in ourselves as well to avoid getting

396
00:22:51.839 --> 00:22:54.759
these cancers, these fatty tumors and all of that stuff

397
00:22:54.920 --> 00:22:56.920
that we want to eat clean. We want to clean

398
00:22:56.960 --> 00:22:59.480
as foods that we can get today is very, very

399
00:22:59.480 --> 00:23:02.359
difficult because of all the additives. You know, we don't

400
00:23:02.359 --> 00:23:04.519
have to go to the trauma center for drugs, it's

401
00:23:04.559 --> 00:23:06.400
and all the foods that you might in a supermarket.

402
00:23:08.160 --> 00:23:08.480
Well.

403
00:23:09.000 --> 00:23:13.039
And also I saw something somewhere a booth that like

404
00:23:13.119 --> 00:23:16.240
one of the events I was doing, where they had

405
00:23:16.400 --> 00:23:21.640
cannabis gummies or whatever for dogs and cats.

406
00:23:23.079 --> 00:23:24.240
I mean, we're getting kind.

407
00:23:24.119 --> 00:23:30.519
Of ridiculous, okay, because isn't that isn't THC toxic to

408
00:23:30.680 --> 00:23:33.400
dogs and cats?

409
00:23:33.200 --> 00:23:36.160
It is, And they on all of these ses, they

410
00:23:36.240 --> 00:23:41.359
limited very very strictly the CBD pustion of it is

411
00:23:41.440 --> 00:23:46.279
what really does the work itself because it's basically turning

412
00:23:46.279 --> 00:23:49.720
on receptor sites in the body. All mammals produce their

413
00:23:49.799 --> 00:23:52.799
own CBD, believe it or not, and it's a whole

414
00:23:52.839 --> 00:23:57.519
part of the system, just like the adrenal system. Instead

415
00:23:57.519 --> 00:24:01.240
of you know, the adrenal system kicks in when there's trauma,

416
00:24:02.119 --> 00:24:07.599
the CBD, uh, the endocannabinoid system kicks in when there's inflammation.

417
00:24:08.640 --> 00:24:12.440
So it's turning on and flushing those areas with nutrients

418
00:24:12.440 --> 00:24:15.519
and blood cells and protect your cells and you know,

419
00:24:15.640 --> 00:24:21.480
a whole host of of healing mechanisms and you know

420
00:24:21.599 --> 00:24:25.559
it works in most cases, but you still have to

421
00:24:25.559 --> 00:24:28.559
have the nutrition behind that. You know, you can't stimulate

422
00:24:28.640 --> 00:24:31.200
new stem cells for instance. You know, we do some

423
00:24:31.319 --> 00:24:34.559
other technologies with light patches and some of that you can't.

424
00:24:35.079 --> 00:24:38.799
You can get healing because we're targeting areas, but you

425
00:24:38.920 --> 00:24:42.799
still need a clean nutrition to be able to heal,

426
00:24:42.920 --> 00:24:44.200
let the body heal itself.

427
00:24:45.720 --> 00:24:47.200
And where would we.

428
00:24:48.720 --> 00:24:51.359
Where would be the best place to look for that

429
00:24:51.440 --> 00:24:52.240
clean nutrition?

430
00:24:54.839 --> 00:24:57.440
Obviously at my paleo pets to start with, you know,

431
00:24:58.400 --> 00:25:00.440
grasually events for your for your du Yeah, but you

432
00:25:00.680 --> 00:25:08.599
have to look at at finding suppliers of clean you know, foods.

433
00:25:08.640 --> 00:25:11.039
I was having a discussion earlier.

434
00:25:12.359 --> 00:25:16.880
About how, you know, we didn't start out with organic labeling.

435
00:25:17.359 --> 00:25:18.319
We didn't start out.

436
00:25:18.200 --> 00:25:21.960
With pasture you know, pasture raised labeling, if you will,

437
00:25:22.039 --> 00:25:26.440
until they started playing games with adding chemicals.

438
00:25:26.079 --> 00:25:29.279
To our food, to dug food, cat food, all of that.

439
00:25:29.400 --> 00:25:33.799
Because then it became a marketing game and there's no reliability.

440
00:25:33.839 --> 00:25:36.200
I mean, we don't know what, you know, you have any.

441
00:25:36.039 --> 00:25:40.640
Idea where that vegetable was even grown sometimes, you know,

442
00:25:40.680 --> 00:25:43.039
so much of this stuff comes from around the world.

443
00:25:43.480 --> 00:25:46.200
It's intransit forever.

444
00:25:47.519 --> 00:25:50.599
And yet you know, we think, oh, it's kind of

445
00:25:50.880 --> 00:25:52.000
an organic stick.

446
00:25:52.079 --> 00:25:53.559
Runners is all natural?

447
00:25:54.039 --> 00:25:57.079
You know, twenty years ago, thirty years ago, everything all

448
00:25:57.119 --> 00:25:58.359
of a sudden became all natural.

449
00:25:59.319 --> 00:26:03.200
You know what was it before?

450
00:26:03.400 --> 00:26:05.839
They're not labeling it for as artificial today, which is

451
00:26:05.880 --> 00:26:06.680
what it really is.

452
00:26:07.759 --> 00:26:11.920
Well, when Americans go to places like Costa Rica or

453
00:26:12.119 --> 00:26:15.279
Europe or whatever, one of our biggest complaints is how

454
00:26:15.359 --> 00:26:20.079
quickly the food goes bad. And it's like, hello, that

455
00:26:20.119 --> 00:26:23.799
shouldn't be your complaint. If your food is not going

456
00:26:23.920 --> 00:26:27.039
bad like it would in the wild, there's something wrong

457
00:26:27.119 --> 00:26:27.440
with it.

458
00:26:29.160 --> 00:26:33.680
Absolutely, absolutely, you know, and what do you think. You know,

459
00:26:33.920 --> 00:26:36.039
you went to the supermarket. You're looking at let's say

460
00:26:36.079 --> 00:26:39.160
a salad mix. Okay, there's you know, five or six

461
00:26:39.200 --> 00:26:42.640
different vegetables there. Where did those come from? Each one

462
00:26:42.680 --> 00:26:44.079
of those components.

463
00:26:43.599 --> 00:26:44.920
Could be from a different country.

464
00:26:45.519 --> 00:26:47.720
Yeah, and then they're all throwing into a warehouse here

465
00:26:47.759 --> 00:26:51.599
in the United States, chopped up, rinched with I don't

466
00:26:51.640 --> 00:26:55.240
know how clean the water is, but you know, in

467
00:26:55.319 --> 00:26:57.240
a package and it lasts for two or three weeks

468
00:26:57.240 --> 00:27:00.839
in the supermarket. I just saw that more the Organic

469
00:27:02.079 --> 00:27:08.200
Certified Associations is filed lawsuits against a chemical company because

470
00:27:08.240 --> 00:27:12.640
they're using a special chlorine mix in those misters that

471
00:27:12.680 --> 00:27:16.960
are over the produce counters. It's not organic, so there's

472
00:27:17.000 --> 00:27:19.640
no and it's not disclosed. There is no signs that

473
00:27:19.759 --> 00:27:22.519
oh this, you know, this lettuce, this broccoli has been

474
00:27:22.559 --> 00:27:27.200
sprayed with X y Z. There's just no accountability, if

475
00:27:27.200 --> 00:27:29.200
you will, and they just get away with it.

476
00:27:29.640 --> 00:27:30.440
They get away with it.

477
00:27:31.240 --> 00:27:33.440
Oh yeah.

478
00:27:32.319 --> 00:27:36.079
And that's why there's a lot of yelling in every

479
00:27:36.119 --> 00:27:41.240
other area, because because while people are focused in other areas,

480
00:27:41.240 --> 00:27:43.759
this stuff can happen. Okay, we had one of the

481
00:27:43.880 --> 00:27:47.279
students raising their hands so thank you.

482
00:27:48.039 --> 00:27:49.640
I want to go back to this.

483
00:27:50.640 --> 00:27:52.720
It's a fourth door on the right hand side.

484
00:27:54.039 --> 00:27:56.920
I want to go back to the face. Now you

485
00:27:56.960 --> 00:27:59.359
say about the fish trauma. Now, what happens when they're

486
00:27:59.720 --> 00:28:02.480
catch and release? What is that doing to the fish

487
00:28:03.119 --> 00:28:06.000
on a regular basis before somebody decides to keep it.

488
00:28:06.880 --> 00:28:10.759
I think it's making them more food, because now you've

489
00:28:10.759 --> 00:28:13.960
caught them, they could be bleeding and now their dinner.

490
00:28:15.200 --> 00:28:16.440
Yeah, even though you make.

491
00:28:19.200 --> 00:28:22.480
Yep, their natural furthers are out there looking. In fact,

492
00:28:22.480 --> 00:28:24.799
you see you know the videos all the time where

493
00:28:24.960 --> 00:28:28.640
while they're on the hook being reeled in, that shark

494
00:28:28.799 --> 00:28:30.960
just comes along and you end up on our fish head.

495
00:28:31.680 --> 00:28:34.400
Nothing work yep all the time.

496
00:28:35.119 --> 00:28:37.160
But no, I was more talking about. You know, you

497
00:28:37.160 --> 00:28:39.599
can go to a catch and release place. They only

498
00:28:39.640 --> 00:28:41.839
have the catfish in the pond. This is the only

499
00:28:41.880 --> 00:28:45.079
thing in here is catfish. It's made for catching and release.

500
00:28:45.119 --> 00:28:47.000
And well, what happens if it's been caught so many

501
00:28:47.039 --> 00:28:49.319
times and then somebody decides to keep it? So how

502
00:28:49.400 --> 00:28:52.880
much trauma has that fish been through before you're eating it?

503
00:28:53.200 --> 00:28:55.920
And if they're doing that, how much trauma has that

504
00:28:56.359 --> 00:28:59.240
held on to and if it goes into a supermarket

505
00:28:59.319 --> 00:29:01.559
or or just in your own plate. What is it

506
00:29:01.599 --> 00:29:02.039
doing to.

507
00:29:03.559 --> 00:29:06.519
Oh, it's it's going to have a negative impact obviously,

508
00:29:07.920 --> 00:29:11.039
you know when we look at the way, you know,

509
00:29:11.400 --> 00:29:14.359
just with animals that were caught and released this way,

510
00:29:14.519 --> 00:29:18.039
they're going through all these traumas, okay, but they're also

511
00:29:18.559 --> 00:29:22.200
they've learned the struggle. That muscle tissue is going to

512
00:29:22.240 --> 00:29:26.079
be tough. No, it's just it's gonna be a lot tougher,

513
00:29:26.559 --> 00:29:29.519
not going to be fit for basically human consumption at

514
00:29:29.519 --> 00:29:30.279
that point in time.

515
00:29:33.559 --> 00:29:36.279
People on a second, guess that catch and release thing.

516
00:29:37.440 --> 00:29:43.359
I think, listen, my idea of hunting deer is I'm

517
00:29:43.359 --> 00:29:45.559
gonna go and put a bowl of chocolate ice cream

518
00:29:45.559 --> 00:29:51.279
out for him. Like then they'll be happy when you

519
00:29:51.440 --> 00:29:57.079
when you catch them, and the vestine will be really good. Now, seriously,

520
00:29:57.119 --> 00:29:58.759
I would probably I would.

521
00:29:59.160 --> 00:29:59.559
I would.

522
00:29:59.680 --> 00:30:01.559
I would and say hey look out. If I was

523
00:30:01.559 --> 00:30:06.720
with people hunting, I'd be like, hey look out, I

524
00:30:06.839 --> 00:30:10.039
say give the deer a human brain and a gun,

525
00:30:10.119 --> 00:30:14.279
and then then then it's a sport. Or Like my

526
00:30:14.440 --> 00:30:16.799
best bro who passed away two years ago, he used

527
00:30:16.799 --> 00:30:20.759
to go hunting for brown bear up in Canada, with

528
00:30:20.880 --> 00:30:26.200
a black widow recurved bow. Now that's a sport because

529
00:30:26.279 --> 00:30:29.839
you have one shot or you're dead, because you know

530
00:30:31.000 --> 00:30:33.640
like and you better hit in the right place because

531
00:30:33.680 --> 00:30:35.880
those brown bears, you don't want to mess with them.

532
00:30:36.599 --> 00:30:41.359
So uh, tell everybody how they can check out more

533
00:30:41.359 --> 00:30:44.359
about my Paleo Pet, how they can check out more

534
00:30:44.400 --> 00:30:48.160
about you and your show, your podcasts and everything they

535
00:30:48.200 --> 00:30:48.599
need to know.

536
00:30:50.160 --> 00:30:52.680
Everybody's gonna listen to the pet Heal's Cafe every week

537
00:30:53.480 --> 00:30:54.720
live on Thursday night.

538
00:30:54.759 --> 00:30:55.519
It's at eight o'clock.

539
00:30:56.599 --> 00:30:59.759
Of course, it's available on YouTube, Spotifying, a whole bunch

540
00:30:59.759 --> 00:31:03.839
of other platforms where we always give great advice on

541
00:31:04.000 --> 00:31:08.519
health and old behavior, people behavior, all of that stuff.

542
00:31:09.480 --> 00:31:14.000
Our sponsors both Biocomplete and my Paleo Pet. My Paleo

543
00:31:14.039 --> 00:31:17.799
pits the retail operation. Biocomplete makes the food, so we

544
00:31:17.880 --> 00:31:21.480
have everything in house under one roof that.

545
00:31:21.559 --> 00:31:24.640
We can control the quality as well.

546
00:31:26.480 --> 00:31:32.960
My Paleo Pet dot Com for online sales as well

547
00:31:33.480 --> 00:31:41.000
and consultations. I'm available through that to give personalized consultations

548
00:31:41.279 --> 00:31:43.599
for both your pet and for yourself. Pet parents, You've

549
00:31:43.599 --> 00:31:45.440
got to stay healthy as well, because if you're not

550
00:31:45.480 --> 00:31:48.519
a healthy pet parent, if you don't know what you're doing,

551
00:31:49.640 --> 00:31:52.440
you know your animal suffers, and we don't want it

552
00:31:52.519 --> 00:31:52.839
to happen.

553
00:31:52.839 --> 00:31:55.400
That's why we have Pet Health Cafe to show where

554
00:31:55.440 --> 00:31:55.759
you are.

555
00:31:56.359 --> 00:32:01.240
Pets voice and rebel no longer into the whole catch

556
00:32:01.240 --> 00:32:01.960
and release thing.

557
00:32:01.960 --> 00:32:03.960
I'm divorced twice. I've had enough of it.

558
00:32:09.160 --> 00:32:13.119
Okay, So yes, definitely check out Pet Pet Health Cafe.

559
00:32:13.200 --> 00:32:15.799
If you're here in South Florida, go into the store

560
00:32:15.839 --> 00:32:19.759
and Pompino Beach right off a sample road. Or you

561
00:32:19.759 --> 00:32:22.079
could just go to my Paleo pet dot com and

562
00:32:22.079 --> 00:32:23.599
and place your order right there.

563
00:32:24.160 --> 00:32:27.759
Uh you deliver right, Bill, Yes, we do when.

564
00:32:27.680 --> 00:32:30.119
We ship all over the country as well. Nice.

565
00:32:30.839 --> 00:32:33.200
So take care of your pet even if you don't.

566
00:32:33.440 --> 00:32:36.039
And it's funny you said about the humans, because most

567
00:32:36.119 --> 00:32:39.359
humans I know that are really obsessive about pets. They

568
00:32:39.400 --> 00:32:41.559
take really good care of their pets, but they don't

569
00:32:41.599 --> 00:32:43.960
take care of themselves at all.

570
00:32:44.079 --> 00:32:46.960
And you're right, Yeah.

571
00:32:46.839 --> 00:32:48.920
That's that's one reason why we edit the farm the

572
00:32:48.960 --> 00:32:53.079
table section in the store because the pet parents were

573
00:32:53.079 --> 00:32:55.759
always complaining, my dog is eating better than I am,

574
00:32:55.759 --> 00:32:57.720
and I said, I have a program for that.

575
00:32:58.240 --> 00:33:01.200
There you go, so sign up for Bill's program. You'll

576
00:33:01.240 --> 00:33:01.599
love it.

577
00:33:02.839 --> 00:33:06.920
We're gonna be going in a minute to commercials for festivals.

578
00:33:06.920 --> 00:33:09.160
We're doing ticket giveaways on for the two thousand and

579
00:33:09.200 --> 00:33:13.240
six Pipe Man Radio Tour. Also, stay tuned tune in

580
00:33:13.279 --> 00:33:16.440
this Wednesday for my live show where Who Knows and

581
00:33:16.559 --> 00:33:17.279
Anything goes.

582
00:33:17.960 --> 00:33:20.559
It won't be so serious. It may be serious.

583
00:33:20.839 --> 00:33:23.279
You never know what you're gonna get, but we're gonna

584
00:33:23.519 --> 00:33:25.640
we are going to talk about some big things that

585
00:33:25.680 --> 00:33:29.000
are happening for twenty twenty six and are gonna benefit everybody.

586
00:33:29.599 --> 00:33:33.000
People have shows on the station, the station and the listeners,

587
00:33:33.039 --> 00:33:35.640
so you're gonna want to check out what new stuff

588
00:33:35.680 --> 00:33:38.599
we got going on. And then I also want to

589
00:33:39.279 --> 00:33:43.640
pay homage today it is Martin Luther King Day, and

590
00:33:44.680 --> 00:33:48.960
so we should pay homage here on the show. And

591
00:33:49.920 --> 00:33:53.160
you know, I think we should bring Martin Luther King back,

592
00:33:53.240 --> 00:33:58.839
kind of like in pet cemetery. Bring him back and

593
00:33:58.880 --> 00:34:02.119
he could run. See if he runs for president what happens.

594
00:34:03.839 --> 00:34:08.159
I don't know, it would be interesting. He was a Republican,

595
00:34:08.239 --> 00:34:11.559
by the way, Like that's the funny part is I

596
00:34:11.559 --> 00:34:19.039
think the roles have switched somehow, Yeah, somehow, But rebel

597
00:34:20.599 --> 00:34:23.320
make sure you take care of those pets and make

598
00:34:23.320 --> 00:34:30.400
sure you take care of yourself. And one, don't don't

599
00:34:30.440 --> 00:34:33.800
eat your guppy thinking it's a gummy.

600
00:34:34.559 --> 00:34:35.639
I mean for breakfast.

601
00:34:35.800 --> 00:34:39.000
They might go good with eggs. I know, right.

602
00:34:40.559 --> 00:34:44.199
They that's a new thing. I think we should start

603
00:34:44.400 --> 00:34:49.679
a bill. Let's start a restaurant that serves stuff like that. Okay,

604
00:34:49.800 --> 00:34:55.039
there you go, guppy. And I just want to say

605
00:34:55.360 --> 00:34:57.840
stay tuned. Next, we're going to talk about business and

606
00:34:57.880 --> 00:35:00.280
why you if you have a business, you must have

607
00:35:00.360 --> 00:35:01.280
a line of credit.

608
00:35:01.760 --> 00:35:02.320
Uh.

609
00:35:02.400 --> 00:35:04.320
You know, and people think, oh, I don't want to

610
00:35:04.360 --> 00:35:07.519
do that, and blah blah blah. There are good reasons

611
00:35:07.559 --> 00:35:10.960
and you will find out soon about why having a

612
00:35:11.920 --> 00:35:16.000
being a successful business person requires it. And then after

613
00:35:16.199 --> 00:35:19.840
the show, if you check out some of my socials,

614
00:35:19.880 --> 00:35:22.960
there's gonna be some reels with somebody I did an

615
00:35:23.039 --> 00:35:27.559
interview with the other day who is absolutely incredible.

616
00:35:28.559 --> 00:35:30.920
She's not only a musician, she's a great artist.

617
00:35:30.960 --> 00:35:36.880
She even pink surfboards and was down here for art

618
00:35:36.920 --> 00:35:42.920
Basil and uh in a Miami Yeah, I can think

619
00:35:42.960 --> 00:35:48.239
today and uh, and she is somebody that has some

620
00:35:48.360 --> 00:35:53.679
new music that's absolutely badass. Uh. And I'm gonna give

621
00:35:53.760 --> 00:35:57.239
Rebel a test now. And her name is Chloe Truehio.

622
00:35:58.320 --> 00:35:59.360
Do you know who that is?

623
00:35:59.519 --> 00:35:59.840
Rebel?

624
00:36:00.440 --> 00:36:00.880
I do not?

625
00:36:01.920 --> 00:36:04.480
Do you not want? Do you want? Don't you google it?

626
00:36:04.519 --> 00:36:11.559
I see your eyes? I did? Okay, so that's uh yeah, yeah.

627
00:36:11.719 --> 00:36:15.480
If you ever heard of a band called Metallica, Okay,

628
00:36:15.880 --> 00:36:21.440
that's the basis his wife. And then I've interviewed her

629
00:36:21.639 --> 00:36:25.679
son before. Funny story during that interview I brought up

630
00:36:25.679 --> 00:36:29.800
in this in this interview is that when I interviewed him,

631
00:36:29.880 --> 00:36:32.519
he had cut his hair shore He's have super long hair,

632
00:36:33.119 --> 00:36:36.159
and and I was like, what made you cut your hair?

633
00:36:36.599 --> 00:36:40.679
He goes my whole family's long hair. I was rebelling.

634
00:36:43.000 --> 00:36:46.320
So now you can rebel by cutting your hair instead

635
00:36:46.360 --> 00:36:53.400
of growing it. This circle of life right there. And

636
00:36:53.960 --> 00:36:58.599
on that note, there's some really really good bands that

637
00:36:58.679 --> 00:37:05.519
are playing in Columbus, Ohio and Daytona, Florida this spring.

638
00:37:06.039 --> 00:37:08.920
Can you can you tell them what they might have won?

639
00:37:09.159 --> 00:37:09.480
One?

640
00:37:11.000 --> 00:37:14.519
The Sonic Temple Art and Music Festival returns May fourteen

641
00:37:14.599 --> 00:37:23.519
through seventeen with my Chemical Romance tool, bring me the Horizon.

642
00:37:25.239 --> 00:37:26.199
And Shine Down.

643
00:37:26.760 --> 00:37:31.400
Plus here's the veil looks Charlotte the Offspring Sublime, Godsmack Breaking, Benjamin,

644
00:37:31.440 --> 00:37:34.960
Marilyn Manson, and so many more. Sonic Temple in Columbus, Ohio,

645
00:37:35.000 --> 00:37:37.599
May fourteen to seventeen passes on sale now for his

646
00:37:37.719 --> 00:37:42.119
lowest one dollar down at Sonic Temple Festival dot Com.

647
00:37:42.360 --> 00:37:46.960
Welcome to Rockville returns to Daytona International Speedaway May seven through.

648
00:37:46.800 --> 00:37:54.599
Ten with food Fighters, My Chemical Romance, guns and Roses,

649
00:37:56.639 --> 00:38:00.039
and bring Me the Horizon plus story Style.

650
00:38:00.039 --> 00:38:02.320
I Think You're Dead, Talk see all string ranking, ventionmin

651
00:38:02.360 --> 00:38:05.280
i' data, Remember toob Slat and so many more. Welcome

652
00:38:05.360 --> 00:38:08.480
to rock Film May sevente passes on sale now for

653
00:38:08.559 --> 00:38:10.880
as low as one dollars down, and Welcome to Rockville

654
00:38:10.920 --> 00:38:11.320
dot Com.

655
00:38:12.320 --> 00:38:15.519
I can't freaking wait and I will be there. Come

656
00:38:15.639 --> 00:38:18.920
see me at son Temple or Welcome to Rockville. They

657
00:38:19.039 --> 00:38:23.199
also announced the lineup for Incarceration just the other day.

658
00:38:23.599 --> 00:38:27.679
Stay tuned, we're gonna have more about that in future episodes.

659
00:38:28.199 --> 00:38:32.599
Right now, we're gonna go to I had pre recorded

660
00:38:32.719 --> 00:38:39.280
with the resident business expert, Michael Barbarita from Next Step

661
00:38:39.360 --> 00:38:44.320
c A CFO and Powerful Business Strategies, and he's going

662
00:38:44.400 --> 00:38:47.599
to talk about lines of credit right here on the

663
00:38:47.679 --> 00:38:50.920
Adventures of pipe Man, Positively pipe Man W four c

664
00:38:51.159 --> 00:38:55.519
Y Radio, W four c Y dot Com, roll it one.

665
00:39:00.320 --> 00:39:09.119
Hey you LUNTI the cents. Wow, cra your man.

666
00:39:15.400 --> 00:39:17.599
This is the pipe Man here on the Adventures pipe

667
00:39:17.639 --> 00:39:19.840
Man W four c Y Radio. And this is the

668
00:39:20.079 --> 00:39:23.880
Positively pipe main segment of the Adventures of Pipe Man.

669
00:39:24.079 --> 00:39:28.119
With our next step CFO Michael Barberita, who is going

670
00:39:28.199 --> 00:39:32.760
to give us some powerful business strategy. So welcome to

671
00:39:32.800 --> 00:39:35.400
the show, Michael, and let's talk about lines of credit.

672
00:39:35.920 --> 00:39:37.880
Thank you, Dan, thanks for having me. So yeah, a

673
00:39:37.960 --> 00:39:40.679
line of credit. Now, you know, when I get a

674
00:39:40.719 --> 00:39:44.119
new client, one of the first questions, Now what early

675
00:39:44.239 --> 00:39:46.159
on did I ask is whether or not they have

676
00:39:46.239 --> 00:39:49.920
a line of credit? And about I would say at

677
00:39:50.039 --> 00:39:54.199
least sixty percent of the time they do not. And

678
00:39:54.880 --> 00:39:58.960
that is a huge, huge mistake because, as everybody knows,

679
00:39:59.280 --> 00:40:03.800
business has as it's ups and downs, and you know,

680
00:40:04.119 --> 00:40:09.559
poo poo happens I as you probably already know, and

681
00:40:10.400 --> 00:40:13.360
part of that poo poo is, you know, poor cash

682
00:40:13.440 --> 00:40:17.079
flow due to whether it's economic conditions, whether it's just

683
00:40:17.159 --> 00:40:22.000
a seasonality thing, whether it's a bad sales week, whatever

684
00:40:22.119 --> 00:40:25.079
it may be. There's a million ways to have a

685
00:40:25.239 --> 00:40:29.079
cash flow dip, and most of them it can be

686
00:40:29.199 --> 00:40:32.800
temporary if you manage your cash flow properly. And so

687
00:40:33.159 --> 00:40:37.159
but be that as it may. You must must have

688
00:40:37.880 --> 00:40:40.840
access to align of credit. We're not asking you to

689
00:40:40.880 --> 00:40:43.400
go out and get a loan. We're asking you to

690
00:40:43.440 --> 00:40:46.239
get aligne of credit that doesn't have to be used

691
00:40:46.280 --> 00:40:48.440
if not needed, and you only pay about one hundred

692
00:40:48.440 --> 00:40:50.920
and fifty dollars a year to the banks that charge it.

693
00:40:51.360 --> 00:40:53.159
I have a couple I know of a couple of

694
00:40:53.199 --> 00:40:55.519
banks that don't charge anything for the align of credits,

695
00:40:55.559 --> 00:40:58.079
so that you know it's it's free to use and

696
00:40:58.360 --> 00:41:00.960
that's the end of it with you know, one big

697
00:41:01.119 --> 00:41:03.320
one fee up front, like four hundred dollars up front,

698
00:41:03.400 --> 00:41:07.599
and that's the end of it. So but a line

699
00:41:07.639 --> 00:41:11.519
of credit is something that is just incredibly valuable. And

700
00:41:11.639 --> 00:41:13.920
a rule of thumb, here's a rule of thumb of

701
00:41:14.000 --> 00:41:16.760
how much, because lots of times business owners ask, well,

702
00:41:16.800 --> 00:41:18.400
how much should I get for a line of credit?

703
00:41:19.239 --> 00:41:22.679
At a minimum ten percent of your annual sales at

704
00:41:22.679 --> 00:41:25.800
an absolute minimum I like to get I like to

705
00:41:25.880 --> 00:41:29.239
try to go for fifteen percent. It depends upon your

706
00:41:29.320 --> 00:41:35.480
credit and your situation. You know, but even if somebody

707
00:41:35.559 --> 00:41:38.440
should get let's say a two million dollar business should

708
00:41:38.440 --> 00:41:41.480
have a two hundred thousand dollars line of credit and

709
00:41:41.880 --> 00:41:44.440
they can't get it, but they can get a fifty

710
00:41:44.519 --> 00:41:47.400
thousand dollars line of credit. I make sure they get

711
00:41:47.400 --> 00:41:50.239
at least a fifty thousand dollars line of credit because

712
00:41:50.280 --> 00:41:54.000
you've got to have it. It's very important. And you're

713
00:41:54.039 --> 00:41:57.280
not paying an annoort amount of money for it. You're

714
00:41:57.320 --> 00:41:58.280
not paying interest on.

715
00:41:58.320 --> 00:41:59.199
It until you use it.

716
00:42:00.079 --> 00:42:02.719
Yeah, and you know, the other thing is is there's

717
00:42:02.760 --> 00:42:04.679
a proper way to use a line of credit, then

718
00:42:04.719 --> 00:42:08.039
there's an improper way. Number one, it's not an equipment loan.

719
00:42:09.000 --> 00:42:11.880
Sometimes business owners go up buy equipment with their line

720
00:42:11.920 --> 00:42:14.960
of credit and then the bank who has what's called

721
00:42:15.039 --> 00:42:19.360
a zero balance provision in most line of credit agreements,

722
00:42:19.880 --> 00:42:23.360
and a zero balance position provision means that you've got

723
00:42:23.400 --> 00:42:25.960
to zero out your line in a period of twelve months.

724
00:42:26.280 --> 00:42:28.199
You've got to zero out your line of credit for

725
00:42:28.320 --> 00:42:31.440
thirty days. So if you're going to buy equipment with

726
00:42:31.519 --> 00:42:33.360
your line of credit, you're not going to zero help

727
00:42:33.400 --> 00:42:36.760
your line of credit, and that's going to cause problems.

728
00:42:36.800 --> 00:42:40.119
Now some for the most part, as long as you're

729
00:42:40.159 --> 00:42:43.719
making your interest payments, banks leave you alone. They let

730
00:42:43.800 --> 00:42:47.440
things carry forward, but just wait till there's an economic crisis,

731
00:42:47.480 --> 00:42:49.519
and the bank is not to get pressure from the

732
00:42:49.599 --> 00:42:55.840
FED to start exercising their rights under these agreements like

733
00:42:55.960 --> 00:42:58.760
the zero balance provision. It's not calling in loans as

734
00:42:58.800 --> 00:43:01.800
a result of it. That's what happens. So you're going

735
00:43:01.880 --> 00:43:04.360
to use your line of credit for cash flow dips

736
00:43:04.880 --> 00:43:11.639
essentially and seasonality situations. Other than that, you really shouldn't

737
00:43:11.719 --> 00:43:14.159
use your line of credit to buy equipment or it's

738
00:43:14.199 --> 00:43:18.760
a fund operating losses. That's another mistake. Now, if you

739
00:43:18.840 --> 00:43:21.880
think you're operating losses temporary, that's different. But if you

740
00:43:22.000 --> 00:43:24.239
think that then you might go through a couple of

741
00:43:24.360 --> 00:43:27.119
years funding an operating loss to a line of credit.

742
00:43:27.679 --> 00:43:28.400
I know it's there.

743
00:43:28.800 --> 00:43:31.559
I know you'll probably do it, but it's not. It's

744
00:43:31.599 --> 00:43:33.559
not a good idea. Not a good idea.

745
00:43:34.639 --> 00:43:37.440
Credit cards, that's right, stop making profit.

746
00:43:38.039 --> 00:43:40.320
There are a variety of ways. We've talked a lot

747
00:43:40.440 --> 00:43:44.000
of strategies in the course of the show on how

748
00:43:44.039 --> 00:43:50.679
to go about increasing sales, increasing business, having better pricing strategies,

749
00:43:51.760 --> 00:43:55.920
up sells, down cells, cross sales. We've talked about strategic partnerships,

750
00:43:55.960 --> 00:44:00.239
We've talked a number of ways to increase sales. That's

751
00:44:00.280 --> 00:44:02.400
what you should be doing instead of funding your operating

752
00:44:02.480 --> 00:44:03.679
losses with a line of credit.

753
00:44:04.800 --> 00:44:07.039
So I have a question too that probably a lot

754
00:44:07.039 --> 00:44:11.559
of listeners are thinking of. Okay, so how hard is

755
00:44:11.599 --> 00:44:13.000
it to get this line of credit?

756
00:44:13.239 --> 00:44:16.360
Because I would think that it's much harder to get

757
00:44:16.360 --> 00:44:19.440
a business loan than personal loan, And I would think

758
00:44:20.159 --> 00:44:22.840
that a line of credit would be very hard to

759
00:44:22.960 --> 00:44:27.559
get because they know that you could make the mistakes

760
00:44:27.599 --> 00:44:30.599
that you were just talking about, and that puts you

761
00:44:30.960 --> 00:44:33.760
as more of a risk. And because it's a line

762
00:44:33.800 --> 00:44:36.880
of credit, like if you buy equipment, they don't have

763
00:44:37.000 --> 00:44:39.719
a lean on your equipment because it's a line of credit.

764
00:44:40.519 --> 00:44:45.239
So what what's your advice and information about? You know

765
00:44:45.679 --> 00:44:47.719
how solid a is? And you have to be to

766
00:44:47.760 --> 00:44:49.239
get a line of credit for your business.

767
00:44:49.920 --> 00:44:53.119
So if I went to three days, okay, there'd be

768
00:44:53.239 --> 00:44:57.840
one bank that you'd have to be an outstanding cisen Okay,

769
00:44:57.920 --> 00:45:00.400
you have to have a lot of profit. To show

770
00:45:00.440 --> 00:45:02.159
a lot of profit, they're going to put you through

771
00:45:02.199 --> 00:45:07.039
the wringer. There'll be another bank that has moderate requirements,

772
00:45:07.679 --> 00:45:09.679
and then they'll be there's a bank that has ice

773
00:45:09.760 --> 00:45:12.400
cream requirements. For example, let me give you an example

774
00:45:12.440 --> 00:45:14.559
of a bank in this local area that has ice

775
00:45:14.599 --> 00:45:17.840
cream requirements. You have to make at least one dollar

776
00:45:17.920 --> 00:45:25.760
or more in your last tax return, and and you

777
00:45:26.559 --> 00:45:29.719
you your sales have to be over like one hundred

778
00:45:29.760 --> 00:45:33.559
thousand dollars, and you could qualify for as much as

779
00:45:33.639 --> 00:45:35.960
seventy five thousand dollars line of credit. That's the end

780
00:45:36.119 --> 00:45:36.960
of the underwriting.

781
00:45:38.639 --> 00:45:39.280
Wow that.

782
00:45:40.960 --> 00:45:44.119
Okay, you have that. By the way, these are complacent

783
00:45:44.280 --> 00:45:47.440
banks who need loans. Let's call a space.

784
00:45:47.440 --> 00:45:47.880
It's paid.

785
00:45:48.079 --> 00:45:51.719
This is what happens. Okay when times are tough, those

786
00:45:51.840 --> 00:45:52.559
terms are gone.

787
00:45:53.280 --> 00:45:54.280
Yeah yeah, yeah, all right.

788
00:45:55.840 --> 00:45:59.719
Then you have those banks that, uh, you know, I

789
00:45:59.800 --> 00:46:02.440
have moderate requirements.

790
00:46:02.920 --> 00:46:05.199
Well let's go back to the ice cream for a second.

791
00:46:06.360 --> 00:46:07.280
I like the ice cream.

792
00:46:07.599 --> 00:46:10.119
Yeah, so what I just I just go bring them

793
00:46:10.199 --> 00:46:14.320
some ice cream and they'll give me the loan. But

794
00:46:15.239 --> 00:46:18.119
how do you know which banks are the ice cream banks?

795
00:46:18.320 --> 00:46:20.519
You got a call, You're gonna make calls. I guess

796
00:46:20.559 --> 00:46:25.079
they change because it's all about how much business they need,

797
00:46:25.360 --> 00:46:27.559
how much you know, if they need to loan money.

798
00:46:28.239 --> 00:46:31.599
That's all. It's about. The more opportunities, the more credit

799
00:46:31.679 --> 00:46:33.920
lines that they give out, the more opportunities they have

800
00:46:34.039 --> 00:46:36.760
to loan money, the more risk they have. And so

801
00:46:37.159 --> 00:46:41.360
when times are not as tough, banks get aggressive, just

802
00:46:41.559 --> 00:46:45.960
like businesses get aggressive potentially with advertising or you know,

803
00:46:46.199 --> 00:46:48.440
going for it kind of thing with you know, with

804
00:46:48.559 --> 00:46:51.480
their business and and and and taking on extra risk.

805
00:46:52.119 --> 00:46:55.239
Banks do the same thing. And different banks at different

806
00:46:55.320 --> 00:46:59.239
times do that. And what's very interesting about it is

807
00:46:59.320 --> 00:47:02.559
that there's certain banks in this area that I would

808
00:47:02.800 --> 00:47:05.559
never do business with because if you ever go to default,

809
00:47:06.440 --> 00:47:11.599
they said, the gastapo after you. There's other banks that

810
00:47:12.559 --> 00:47:16.480
don't do much at all, Dean, So you've got to

811
00:47:16.599 --> 00:47:19.800
kind of you should talk to a fractional CFO because

812
00:47:19.880 --> 00:47:24.239
they know what banks are, uh you know, are the

813
00:47:24.320 --> 00:47:28.639
ice cream banks in your market. So you should really

814
00:47:28.719 --> 00:47:31.159
talk to a fractional CFO about it, because that's one

815
00:47:31.199 --> 00:47:33.159
of the things that we know now. I know about

816
00:47:33.159 --> 00:47:35.280
the New England area, and I have contacts around the

817
00:47:35.320 --> 00:47:38.480
country as well. Uh So if somebody called me and

818
00:47:38.519 --> 00:47:41.679
they had uh they were living in Tapeka, Kansas, I

819
00:47:41.760 --> 00:47:46.000
could probably help them and point them in the right direction.

820
00:47:46.400 --> 00:47:49.559
In terms of you know what banks to go after

821
00:47:49.679 --> 00:47:52.559
and what banks to not go after, not not pursue.

822
00:47:53.320 --> 00:47:55.239
So now that we're going to go talking about the

823
00:47:55.400 --> 00:47:58.679
mediocre and the heart I would assume that it's a

824
00:47:58.719 --> 00:48:05.239
good assumption that the big banks, the like nationwide big

825
00:48:05.360 --> 00:48:06.400
banks are not.

826
00:48:06.599 --> 00:48:08.360
Going to be the ice cream banks.

827
00:48:10.480 --> 00:48:14.559
Before well before two thousand and eight, you were wrong.

828
00:48:15.639 --> 00:48:19.000
Six two thousand and eight, the Bank of America, Bank

829
00:48:19.079 --> 00:48:23.480
of America took they used to give they used to

830
00:48:23.519 --> 00:48:28.039
give lines of credit out for us just forget about

831
00:48:28.079 --> 00:48:31.880
tax returns, forget about business profit. They used to give

832
00:48:31.960 --> 00:48:37.320
it based on over five seventy five credit score. You

833
00:48:37.480 --> 00:48:43.119
got one hundred grand. They got murdered. They they got

834
00:48:43.320 --> 00:48:47.320
so murdered during THEA crisis they didn't even have to

835
00:48:47.400 --> 00:48:50.119
They didn't even pursue any of the personal guarantees. They

836
00:48:50.320 --> 00:48:53.199
just wrote off all of it and said for get it.

837
00:48:54.039 --> 00:48:54.320
Wow.

838
00:48:55.039 --> 00:48:56.719
Yeah uh.

839
00:48:57.119 --> 00:48:59.840
And I had two or three centul client new clients

840
00:49:00.159 --> 00:49:02.679
that came to me because they were in trouble with

841
00:49:02.760 --> 00:49:04.719
the bank. But they weren't in trouble with as it

842
00:49:04.800 --> 00:49:07.440
turned out, but that they had got in default with

843
00:49:07.519 --> 00:49:11.719
the Bank of America during the crisis and Bank of

844
00:49:11.760 --> 00:49:16.800
America just said we wrote it off, don't off. So

845
00:49:17.679 --> 00:49:21.760
but since then those banks have tightened up to your

846
00:49:21.840 --> 00:49:26.400
point and more of the uh, I'm not going to

847
00:49:26.440 --> 00:49:30.960
say local banks, but banks that are intermediate and size,

848
00:49:31.039 --> 00:49:34.360
say a couple a billion of three billion in assets.

849
00:49:35.079 --> 00:49:38.320
Those banks, uh, some of those banks, some of those

850
00:49:38.400 --> 00:49:42.440
banks have have real easy requirements to get a line

851
00:49:42.480 --> 00:49:42.840
of credit.

852
00:49:43.320 --> 00:49:43.599
HM.

853
00:49:44.679 --> 00:49:47.039
So you have to shop around and then you have

854
00:49:47.239 --> 00:49:51.119
to talk to somebody who kind of knows the banks. Yeah,

855
00:49:51.400 --> 00:49:54.519
because you don't want to go there might be an

856
00:49:54.519 --> 00:49:56.920
ice cream bank, but they come after you with full

857
00:49:57.000 --> 00:50:00.320
force if you if you go into default, So you

858
00:50:00.400 --> 00:50:02.079
might might want to stay away from that.

859
00:50:02.840 --> 00:50:05.199
But so they're the ice cream truck that gives you

860
00:50:05.320 --> 00:50:07.679
the ice cream and then after walking across.

861
00:50:07.320 --> 00:50:10.519
The stream, they run you over. There you go because

862
00:50:10.559 --> 00:50:16.079
you didn't pay for your ice cream, right, that's right.

863
00:50:16.480 --> 00:50:18.519
Yeah, that's exactly right. You didn't pay for it, so

864
00:50:18.679 --> 00:50:21.559
that we're going to run you over. And that's basically

865
00:50:21.639 --> 00:50:24.480
what happened. So I think the banking world you have

866
00:50:24.559 --> 00:50:27.239
to be careful, but by all means you need to

867
00:50:27.400 --> 00:50:30.519
have a line of credit for protection. It's just that,

868
00:50:30.639 --> 00:50:34.960
it's all it is is defense. It's not offense, it's defense.

869
00:50:35.760 --> 00:50:38.079
And you know, one of the first things I did

870
00:50:38.159 --> 00:50:41.760
when I started my business at seven was get a

871
00:50:41.800 --> 00:50:44.400
line of credit. And I started with it like a

872
00:50:44.480 --> 00:50:47.639
ten thousand dollars line of credit, real small, uh, and

873
00:50:47.800 --> 00:50:50.159
then you know, built it up as my business group.

874
00:50:50.559 --> 00:50:54.039
But you know, it's it's it's a definite requirement.

875
00:50:55.360 --> 00:50:57.880
Well, and I think a lot of people don't realize too.

876
00:50:58.480 --> 00:51:00.480
I'm glad you said what you did before for about

877
00:51:00.480 --> 00:51:04.119
what you shouldn't do. It's not a bank account like

878
00:51:04.280 --> 00:51:06.320
lots of the people think a line of credit is

879
00:51:06.360 --> 00:51:07.199
a bank account.

880
00:51:07.360 --> 00:51:07.400
Like.

881
00:51:08.320 --> 00:51:11.679
No, it just sits there. Pretend like you don't have

882
00:51:11.880 --> 00:51:16.559
it unless it's an emergency, kind of like your retirement

883
00:51:16.679 --> 00:51:19.920
plan in personal life. Can you have access to your

884
00:51:19.960 --> 00:51:23.360
retirement plan? You sure can, but you're going to count

885
00:51:23.440 --> 00:51:27.480
that money as gone unless something devastating happens and you

886
00:51:27.599 --> 00:51:29.239
absolutely need to access it.

887
00:51:29.880 --> 00:51:31.559
The best time you use the line of credit is

888
00:51:31.599 --> 00:51:35.679
when your cash and receivables added together cover your payables

889
00:51:35.920 --> 00:51:37.920
and whatever you take out of the line of credit,

890
00:51:38.599 --> 00:51:44.800
because that will hop that liquidity will receivables will eventually

891
00:51:44.880 --> 00:51:46.800
become liquid and you can pay down the line of credit.

892
00:51:47.360 --> 00:51:50.360
So it's not that's the best way to use it.

893
00:51:50.400 --> 00:51:54.199
Because sometimes because even though your cash and receivables are

894
00:51:54.280 --> 00:51:58.320
higher than your payables and credit line, you can't make

895
00:51:58.400 --> 00:52:01.400
payroll this week, you know, because the receivables are just

896
00:52:01.480 --> 00:52:04.480
have too high. It's just a cyclical thing. It's not

897
00:52:04.599 --> 00:52:07.719
like you're mismanaging your receivables. It's just a cyclical thing.

898
00:52:08.679 --> 00:52:11.679
So many many times, and by the way, lots of

899
00:52:11.760 --> 00:52:15.440
times in those situations, your credit line is outstanding for

900
00:52:15.519 --> 00:52:19.159
a week or two, that's it, right, But it saved

901
00:52:19.199 --> 00:52:22.840
you make you from go to a credit card paying

902
00:52:22.880 --> 00:52:26.800
eighteen percent or some twenty five whatever crazy percent you're paying,

903
00:52:27.239 --> 00:52:29.800
you know, and saved you from borrowing it from Maine.

904
00:52:30.679 --> 00:52:31.000
Uh. You know.

905
00:52:31.159 --> 00:52:33.519
It's just you know and having uh you know, that

906
00:52:33.679 --> 00:52:37.320
embarrassment with family or or telling the wife you have

907
00:52:37.400 --> 00:52:40.360
to go into Hippocket National Bank, you know, to take

908
00:52:40.400 --> 00:52:42.199
the money out and put in the business. That's never

909
00:52:42.480 --> 00:52:44.639
a spouse. That's never a good conversation.

910
00:52:45.480 --> 00:52:47.599
No, they don't want to do that. You got to

911
00:52:47.679 --> 00:52:48.000
do that.

912
00:52:50.760 --> 00:52:53.559
So anyway that that's it, And now you know, the

913
00:52:53.639 --> 00:52:56.199
way the way you can reach me is by going

914
00:52:56.199 --> 00:52:59.199
to next step CFO dot net and go to the

915
00:52:59.239 --> 00:53:02.480
contact page on my website. Fill out the contact form

916
00:53:03.400 --> 00:53:05.360
and if you have a question about line of credits,

917
00:53:05.400 --> 00:53:07.440
you can put the words line of credit in the

918
00:53:07.519 --> 00:53:09.360
message section. Be happy to answer your.

919
00:53:09.320 --> 00:53:12.760
Questions and go out there and get yourself an ice

920
00:53:12.800 --> 00:53:19.159
cream truck. Thanks once again, Michael for some great advice

921
00:53:20.079 --> 00:53:23.360
and I look forward to a lot more from you

922
00:53:23.920 --> 00:53:29.960
in our Powerful business Strategy segment of the Positively Pipemin

923
00:53:30.599 --> 00:53:33.480
And next week we're going to talk about something that

924
00:53:34.440 --> 00:53:38.639
goes hand in hand with that line of credit, solving

925
00:53:38.840 --> 00:53:43.199
cash flow problems. So stay tuned, come back to here

926
00:53:43.599 --> 00:53:46.360
the Adventures of Pipemin W four CY Radio.

927
00:53:47.360 --> 00:53:52.360
Thank you for listening to the Adventures of Pipemin. I'm

928
00:53:52.840 --> 00:53:55.559
w for CUI Radio.