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

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0:48 Why kind of America? It's time for the adventures. You'll fight me out before see why do com list? Pompeas is number one internet radio station. Here's your host, the fight. Man, or maybe swamp Nut. It's all good. Oh wow, Hello, Welcome to this episode, episode six of season twenty of the Adventures of Pipe Man. Oh oh man. All right, so let's bring on some other co hosts, because you know the pipe Man is going to be here any minute. You know, he gives me just a little bit of airtime and then he takes it away. But let's bring on some other folks. Let's see Studio Nut join us and see just like that, he's not going to do it.

1:39 Oh no, I'm here, I'm here now. I just I wanted to see how you would react. Here's a pipe, man, Now, I think that's what I mean. Just like that. I've seen him. Man, there you go get well, you know what, it's better. I like being better down here because you can keep that banner up there to cover Rebel's face. Hello, it covers the big forehead. It doesn't look like she has a big forehead. I have freaking my hair is up in the freaking. Im all right, but we can take that away from her face anyway. But yeah, okay, so here's what we're gonna do. Should should I be there? Yeah, okay, we'll do that. That sounds good. Hey Bill, how are you.

2:27 I'm fantastic. How about you? I'm doing great? And uh, of course your bird's gonna be part of the show today. Absolutely. So. I watched these things on socials. They're going all over the place. This Ai parrot who does a lot of stuff that the parrot. You gotta check it out. You gotta go look on socials for these parrots that are like talking to the other animals and talking to humans. Or the animals are like bought in. The cat's bothering them and they're screaming, mommy, mommy, uh, you know, the cat's trying to eat me and h and stuff like that. And then and then they have the cockatoos that will in the middle of the night turn I talk to Alexa and get Alexa to play music and start dancing and last the music loud. In fact, Van while you see, if you can find something one of these videos to put up here so Bill can see maybe one of the parents like uh, you know, getting mad at the other animals, and maybe one of the cockatoos saying Alexa play disco and dancing like they're in the nightclub. So anyway, fatty tumor and pet tumors and pets. By the way, before we get to that,

4:00 I wasn't here in the very very beginning, so I don't know what was said said because I had this scenario that was a five minute deal with a client that you know, you know those clients Bill, that they want to have control of things technologically speaking, and then they don't know anything about technology, so they insist on having control and then they screw everything up every time, or they don't know how to get into something. A little advice for my listeners here. Okay, make sure you remember what your email addresses to whatever you start to account with number one, because without that, you're not getting into your account.

4:50 Number two. Remember your passwords, but if you don't know the email address, you can't reset the password either. So a five minute job that started at like seven this morning, uh, just finished like a few months ago. I'm sure you deal with that too in the store too, with people that they don't take your advice and then they get upset at you because something went wrong by not taking your advice. Is that true? Does that happen to you? Absolutely all the time? You know that that ties right into the topic for today, because what the consumers are being told on, you know, on a lot of technology is one thing, but medical on health, that sort of thing that involves a lot more common sense than the technical stuff on like trucks, and there is none.

5:51 Well, you know it's funny too, And when I was playing up the tight and making the titles for today's show, because after after we have all this great pet stuff, we're going to go into some great business stuff later in the show, and we're gonna get do ticket giveaways and all. But you know, I was. Reading the title afterwards and I was like, screwed. I'll just leave it like that, because you know, people may tune in just because they think like me. But I was like, okay, so I named today's show faty tumors and pets. Plus you must have a line of credit. My first thought when I see that after I wrote it, was you better go get a line of credit for the veterinarians to pay them if your pets have fatty tumors.

6:37 Absolutely, So that's not what I meant. By that, but I guess that was the universe just saying this is what really happens. It is it really is. You know, it's such a sad case. I mean, here we are in twenty twenty six and we can't get out of our own way when it comes to doing anything cancer except raising money for big foundations and big hospitals. You know, that's all we do. You just raise all this money for the you know, the search for the chure. Where are they looking because I know they're not looking at anything a living because the answer is right in front of us.

7:22 Right, So what is this with fatty tumors and pets. How does that happen? Well, you know, one of the big issues of course with our pets is the amount of preventive medicine that's being perscribed. And that's in the form of shots. And warmers and uh, you know, heartworm stuff, all this stuff. You know, sometimes up to. You know, just on just on the injectables, up to up to one hundred different ones in the lifetime of a dog. Then you're taking it in like these so called heartworm remedies that don't work. They're not permitted, it says on the box it's not a prevention.

8:02 But the veterinarian is actually lying to you when they say that, and you're giving you know, anywhere from twelve you know, from one ingestion a year to the twelve and you know other tablets or ghosts if you will, for the lifetime of the animal number. Wondering why the life of the animal is only, you know, averaging eight years now when it should have been over twenty. I have a question as far as that goes, what is. Like, what is wrong with humans today that they don't have common sense? I'm just thinking myself, Okay, if I have a dog or a cat, they survive, especially cats, they survive.

8:45 Pretty well on their own on the end. They survive on the outdoors, whether they're domestic or not, playing fine on their own. Okay, And you know there are dogs in the wild or like if you go to Puerto Rico, there's dogs like they're hanging out every where, you know, places like that. Why is it that humans here don't use some common sense to say, oh wait, these dogs and cats don't need all this stuff except when they're in our house. It's you know, it's the narrative that of course has been provided for the last forty to fifty years basically, and of course they took it off the medical human medicine side, where you have to have checkups, you have to do this, you have to do that, and they believed that the only person I can give advice is somebody that's wearing a white coat. And you know, it doesn't matter how many letters you have after your name, doesn't make you smart, doesn't make you more edge, you know, not more educative, but you know, have more knowledge.

9:51 It just means that you were able to pass a few tests in school. And you know it also. It also means they have the knowledg that's given to them. That doesn't mean it's the right knowledge. That's right. Yeah, it's a it's the same. I mean basically, in most cases, doctors, veterinarians are nothing more than be road pushers because you know, unless you get into some of the specialties, which the specialties don't work either because they're only looking at one body part. You know, you go to a heart specialties looking at your heart? How did I get a heart problem? Well, I don't know, probably hereditary, Probably genetics. You know, genetics has very little to do with that. You know, we never look at the root, cause that's where the problem lies, and that's where this all of this, uh, the fatty tumors that come from. Basically, it's cancer. However, most doctors, most veterinarians will not die, will not tell you it's a cancer. They'll tell you that, oh, this is just a little eruption in under the skin. We can just hack it out. And they're hacking these things out month after.

11:04 Months, year after year, on an ongoing basis until it finally turns into a hard tour and then all of a. Sudden they're in panic moment. But they didn't do anything to prevent these from happening in the first place. They actually contribute to them with all these drugs. It's you know, and of course you know when you see some of the sizes of these things, how big they can get. That animal has got to be in discomfort all the time. Oh yeah, but you know, but if you actually watch the dog or the cat, they ignore it. You know, it's just a part of life. You know, they're not running, they're not running the oncolloges. You know, they're not little whiny uh bees like human beings, aren't it.

11:46 No, they're not. No, they're not for the most part. And you know, there is there's a lot of technology out there, starting with food that actually allow the body to heal and cure itself. And you met in that is a concept that you can actually rebuild your own body. Wow, what a what a concept? Yeah, I did that when I reverse the diabetes. Doctor Jaafari's like, we're going to rebuild every cell in your pancreas. Okay, yep, that's that's what body does. And you know liver kidneys, I mean we basically replace enough cells in those every four months they have a healthy liver kidney.

12:30 Unbelievable, So. Rebel, Yes, I have the deworming things worked for you. What deworming things the things that the vets are doing to like that he's just said doesn't work. I don't go to vets. I don't believe in vets. I don't. I don't have any faith in medical profession for humans either. Tell us why that is? Which part? Why do I not have faith in the medical profession? Because the A D, M, A M D. Whatever that thing is. They are a governing, governing agency of all people who pay lots and lots and lots of money to study, to have letters in front of or behind their names, and they never follow up on learning.

13:27 The cosmetologist has to continue to learn every year, a lawyer has to continue to learn things every year. Doctors apparently go in test once, get those letters and screw people up so they can make a living. What do you think about that, Bill. Well, and there's a lot of truth to that. I mean, obviously, you know, in my sixty years of doing this, it's just been crazy when I look at the indoctrination. First off, that doctor and veterinarians are put into a position basically the Rockefeller model of only patented medicine.

14:09 Nothing. Natural food has nothing to do with it. Exercise has nothing to do with it. You know, I'm down here, I'm driving over to the studio. I'm looking up at the sky. It's nothing but a checkerboard of chemtrails. Has been that way all morning long. And you know what are they? You know, all these poisons that are going into our body and they just add more to it, you know, So how can you believe them? You know, ask them, you know, if you ask them what, like you said, what the cause is? And actually is this medication going to help cure me? If it's going to shure me, why do I have to be on. It for life?

14:50 Yeah? Exactly, you're on it for life because it doesn't cure you. It keeps you sick. But let's hear what a pirate has to think about. This aka playing disc play. In the morning. Round. There's another one. I think I think this is the one that you had mentioned that he requested, the. Perfect cockatoo one. That's the exact one I was talking about too. There's the other. There's another one that's similar where there's one like.

15:31 Like parrots and cockatoos and the whole bunch of them, like they're at the studio fifty four. What's the R one you got there? One Alexa club music. Parrot go to sleep squawk. I didn't see that one, now, Yeah, find us the one where the the uh waiting call it the parrot is like yelling at a cat or a dog or something like that. There's also one that's pretty there's this TikToker that has this cocking two I think it is that is always yelling at them bill like yelling at the wife. Loves the husband, and then it'll come after wife and she does it on purpose on the TikTok obviously where she puts her feet up because he's coming after her. But he's just running around yelling at everybody.

16:33 So well one files that go ahead. Yeah, that's I mean, there's a lot of there's a lot of truth in some of this stuff, because some of those birds can get pretty wacky. I know because I've Edwards for fifty years. Now, and uh they can. They can get out there. I mean was funny when we had earlier in my career, I was looking in retail at a basically a department store. We were in the pet concessions in it, and. We would get two o'clock in the afternoon three o'clock, those cockatoos would start screaming and you could hear them from ended in a huge, huge store. Nobody could talk nothing, and there was no way of shutting him up until they decided, Hey.

17:17 I'm done now. I would probably do it on purpose. I mean, listen, I mean I would too. If I was a parrot, I'd be bugging the hell out idea. Well, they're flocking animals, and of course, because you have a single one, you're a member of the flock. So I'm going to yell at you for not taking. Care of me, right right? And I have to say too, is that? Well, see somebody else's is upset, Like did you not feel a dog today? Though? No, absolutely, I would say I would never have a bird again personally because I had parakeets and they were the most annoying pet I ever had in my life.

18:02 They never shut up, even with the thing over the cage, and they would always ship outside the cage. That I know, right, that's truly, that's truly what a glory hole is right there? What about you one, what's your what's your fish? Do? They swim your guppy, your guppy yell. At you, or turn on the lexa or. I think I think one of them yelled at me the other day because he was like up against the glass while I was close by, and there was like bubbles coming out of his mouth. So I think he was yelling at me.

18:45 I just couldn't hear it. All right, the bubbles come up and pop, all right, So what about you, rebel? They your animals yell at you. Now I keep them be happy. So now they don't yell at me. They like the photobomb and video bomb a lot. But it's okay. I wait that you keep them happy, but nobody else. Absolutely, I have no other time for other people. I just gotta, you know, take care of. Them well because their the ones are most grateful. Okay, like conditionally listen as somebody that has four kids, Okay, it is quite frustrating sometimes when kids think you didn't do something.

19:37 That you did, or give it credit to the other. Parent that didn't do it, even when there's proof, they still don't believe you when there's proof. The mind is a funny thing. So everybody walking around this earth that has childhood trauma, you know, you wonder if it really is childhood trauma. Maybe it's parental trauma. Maybe the parents are traumatized by the kids. I don't know, but that's why. That's quite possible. That's why pets are the best, because, you know what, no matter what you do, unless you're an asshole, they still love you. Rebel's laughing because she's experienced that. And so yes, going back to oh, I have a question for you, Bill, Like you were saying about in discomfort, but you wouldn't really know.

20:29 What do you think? Okay about the whole idea of people that are into fishing say it doesn't hurt the fish. I have a hard time, very hard time thinking that if you had a hook in your mouth or you're in your eye or something, it doesn't hurt you. What do you know, Bill? Obviously there's sensation error as well. In nature, though it's just kind of accepted you're either a predator or your prey and that's basically your only two options in the natural world. We're the only ones to try to change that, and we create diseases so that we can create treatments.

21:13 So you know, if you're out fishing, you know you might want to. You know, when you hook a nice sized fish, you might want to take it to the trauma center before you you know, play it and have it for dinner. No way drug it. No, but it might give you an upset stomach rebel if it has trauma and you eat it that you know that trauma will be transferred and you'll have gastro problems from it. But if you take it to the trauma center, they're gonna drug it and they're gonna have problems from that. The drugs. Well, at least you'll have a good high going. Yeah, I mean, if. If you know, one of the things with when we look at at the food industry and media industry especially, is that you want to keep that animal that's going to be slaughtered as calm as can be, because if they're excited, if they're you know, being crowded, all of that sort of stuff is an adrenaline rush and that does affect quality and the taste of the food itself.

22:13 And so you know, you know, when you're looking at the way we used to do things hunting and fishing, you want as quick of a kill as possible. That can't happen with fish unless you're spear fishing. But you know on what you know wildlife, you know, de your wild pigs, any of that stuff I wasn't clean shot and it comes as whole the system just shuts down. There is no adrenaline rush, and so it's a much higher quality food at that point in time. And of course that's one of the things that we have to look at when we. Have our pets in ourselves as well to avoid getting these cancers, these fatty tumors and all of that stuff that we want to eat clean. We want to clean as foods that we can get today is very, very difficult because of all the additives. You know, we don't have to go to the trauma center for drugs, it's and all the foods that you might in a supermarket.

23:08 Well. And also I saw something somewhere a booth that like one of the events I was doing, where they had cannabis gummies or whatever for dogs and cats. I mean, we're getting kind. Of ridiculous, okay, because isn't that isn't THC toxic to dogs and cats? It is, And they on all of these ses, they limited very very strictly the CBD pustion of it is what really does the work itself because it's basically turning on receptor sites in the body. All mammals produce their own CBD, believe it or not, and it's a whole part of the system, just like the adrenal system. Instead of you know, the adrenal system kicks in when there's trauma, the CBD, uh, the endocannabinoid system kicks in when there's inflammation.

24:08 So it's turning on and flushing those areas with nutrients and blood cells and protect your cells and you know, a whole host of of healing mechanisms and you know it works in most cases, but you still have to have the nutrition behind that. You know, you can't stimulate new stem cells for instance. You know, we do some other technologies with light patches and some of that you can't. You can get healing because we're targeting areas, but you still need a clean nutrition to be able to heal, let the body heal itself. And where would we.

24:48 Where would be the best place to look for that clean nutrition? Obviously at my paleo pets to start with, you know, grasually events for your for your du Yeah, but you have to look at at finding suppliers of clean you know, foods. I was having a discussion earlier. About how, you know, we didn't start out with organic labeling. We didn't start out. With pasture you know, pasture raised labeling, if you will, until they started playing games with adding chemicals. To our food, to dug food, cat food, all of that.

25:29 Because then it became a marketing game and there's no reliability. I mean, we don't know what, you know, you have any. Idea where that vegetable was even grown sometimes, you know, so much of this stuff comes from around the world. It's intransit forever. And yet you know, we think, oh, it's kind of an organic stick. Runners is all natural? You know, twenty years ago, thirty years ago, everything all of a sudden became all natural. You know what was it before? They're not labeling it for as artificial today, which is what it really is. Well, when Americans go to places like Costa Rica or Europe or whatever, one of our biggest complaints is how quickly the food goes bad. And it's like, hello, that shouldn't be your complaint. If your food is not going bad like it would in the wild, there's something wrong with it.

26:29 Absolutely, absolutely, you know, and what do you think. You know, you went to the supermarket. You're looking at let's say a salad mix. Okay, there's you know, five or six different vegetables there. Where did those come from? Each one of those components. Could be from a different country. Yeah, and then they're all throwing into a warehouse here in the United States, chopped up, rinched with I don't know how clean the water is, but you know, in a package and it lasts for two or three weeks in the supermarket. I just saw that more the Organic Certified Associations is filed lawsuits against a chemical company because they're using a special chlorine mix in those misters that are over the produce counters. It's not organic, so there's no and it's not disclosed. There is no signs that oh this, you know, this lettuce, this broccoli has been sprayed with X y Z. There's just no accountability, if you will, and they just get away with it.

27:29 They get away with it. Oh yeah. And that's why there's a lot of yelling in every other area, because because while people are focused in other areas, this stuff can happen. Okay, we had one of the students raising their hands so thank you. I want to go back to this. It's a fourth door on the right hand side. I want to go back to the face. Now you say about the fish trauma. Now, what happens when they're catch and release? What is that doing to the fish on a regular basis before somebody decides to keep it. I think it's making them more food, because now you've caught them, they could be bleeding and now their dinner.

28:15 Yeah, even though you make. Yep, their natural furthers are out there looking. In fact, you see you know the videos all the time where while they're on the hook being reeled in, that shark just comes along and you end up on our fish head. Nothing work yep all the time. But no, I was more talking about. You know, you can go to a catch and release place. They only have the catfish in the pond. This is the only thing in here is catfish. It's made for catching and release. And well, what happens if it's been caught so many times and then somebody decides to keep it? So how much trauma has that fish been through before you're eating it? And if they're doing that, how much trauma has that held on to and if it goes into a supermarket or or just in your own plate. What is it doing to.

29:03 Oh, it's it's going to have a negative impact obviously, you know when we look at the way, you know, just with animals that were caught and released this way, they're going through all these traumas, okay, but they're also they've learned the struggle. That muscle tissue is going to be tough. No, it's just it's gonna be a lot tougher, not going to be fit for basically human consumption at that point in time. People on a second, guess that catch and release thing. I think, listen, my idea of hunting deer is I'm gonna go and put a bowl of chocolate ice cream out for him. Like then they'll be happy when you when you catch them, and the vestine will be really good. Now, seriously, I would probably I would.

29:59 I would. I would and say hey look out. If I was with people hunting, I'd be like, hey look out, I say give the deer a human brain and a gun, and then then then it's a sport. Or Like my best bro who passed away two years ago, he used to go hunting for brown bear up in Canada, with a black widow recurved bow. Now that's a sport because you have one shot or you're dead, because you know like and you better hit in the right place because those brown bears, you don't want to mess with them. So uh, tell everybody how they can check out more about my Paleo Pet, how they can check out more about you and your show, your podcasts and everything they need to know.

30:50 Everybody's gonna listen to the pet Heal's Cafe every week live on Thursday night. It's at eight o'clock. Of course, it's available on YouTube, Spotifying, a whole bunch of other platforms where we always give great advice on health and old behavior, people behavior, all of that stuff. Our sponsors both Biocomplete and my Paleo Pet. My Paleo pits the retail operation. Biocomplete makes the food, so we have everything in house under one roof that. We can control the quality as well. My Paleo Pet dot Com for online sales as well and consultations. I'm available through that to give personalized consultations for both your pet and for yourself. Pet parents, You've got to stay healthy as well, because if you're not a healthy pet parent, if you don't know what you're doing, you know your animal suffers, and we don't want it to happen.

31:52 That's why we have Pet Health Cafe to show where you are. Pets voice and rebel no longer into the whole catch and release thing. I'm divorced twice. I've had enough of it. Okay, So yes, definitely check out Pet Pet Health Cafe. If you're here in South Florida, go into the store and Pompino Beach right off a sample road. Or you could just go to my Paleo pet dot com and and place your order right there. Uh you deliver right, Bill, Yes, we do when. We ship all over the country as well. Nice. So take care of your pet even if you don't.

32:33 And it's funny you said about the humans, because most humans I know that are really obsessive about pets. They take really good care of their pets, but they don't take care of themselves at all. And you're right, Yeah. That's that's one reason why we edit the farm the table section in the store because the pet parents were always complaining, my dog is eating better than I am, and I said, I have a program for that. There you go, so sign up for Bill's program. You'll love it. We're gonna be going in a minute to commercials for festivals. We're doing ticket giveaways on for the two thousand and six Pipe Man Radio Tour. Also, stay tuned tune in this Wednesday for my live show where Who Knows and Anything goes.

33:17 It won't be so serious. It may be serious. You never know what you're gonna get, but we're gonna we are going to talk about some big things that are happening for twenty twenty six and are gonna benefit everybody. People have shows on the station, the station and the listeners, so you're gonna want to check out what new stuff we got going on. And then I also want to pay homage today it is Martin Luther King Day, and so we should pay homage here on the show. And you know, I think we should bring Martin Luther King back, kind of like in pet cemetery. Bring him back and he could run. See if he runs for president what happens.

34:03 I don't know, it would be interesting. He was a Republican, by the way, Like that's the funny part is I think the roles have switched somehow, Yeah, somehow, But rebel make sure you take care of those pets and make sure you take care of yourself. And one, don't don't eat your guppy thinking it's a gummy. I mean for breakfast. They might go good with eggs. I know, right. They that's a new thing. I think we should start a bill. Let's start a restaurant that serves stuff like that. Okay, there you go, guppy. And I just want to say stay tuned. Next, we're going to talk about business and why you if you have a business, you must have a line of credit.

35:01 Uh. You know, and people think, oh, I don't want to do that, and blah blah blah. There are good reasons and you will find out soon about why having a being a successful business person requires it. And then after the show, if you check out some of my socials, there's gonna be some reels with somebody I did an interview with the other day who is absolutely incredible. She's not only a musician, she's a great artist. She even pink surfboards and was down here for art Basil and uh in a Miami Yeah, I can think today and uh, and she is somebody that has some new music that's absolutely badass. Uh. And I'm gonna give Rebel a test now. And her name is Chloe Truehio.

35:58 Do you know who that is? Rebel? I do not? Do you not want? Do you want? Don't you google it? I see your eyes? I did? Okay, so that's uh yeah, yeah. If you ever heard of a band called Metallica, Okay, that's the basis his wife. And then I've interviewed her son before. Funny story during that interview I brought up in this in this interview is that when I interviewed him, he had cut his hair shore He's have super long hair, and and I was like, what made you cut your hair? He goes my whole family's long hair. I was rebelling.

36:43 So now you can rebel by cutting your hair instead of growing it. This circle of life right there. And on that note, there's some really really good bands that are playing in Columbus, Ohio and Daytona, Florida this spring. Can you can you tell them what they might have won? One? The Sonic Temple Art and Music Festival returns May fourteen through seventeen with my Chemical Romance tool, bring me the Horizon.

37:25 And Shine Down. Plus here's the veil looks Charlotte the Offspring Sublime, Godsmack Breaking, Benjamin, Marilyn Manson, and so many more. Sonic Temple in Columbus, Ohio, May fourteen to seventeen passes on sale now for his lowest one dollar down at Sonic Temple Festival dot Com. Welcome to Rockville returns to Daytona International Speedaway May seven through. Ten with food Fighters, My Chemical Romance, guns and Roses, and bring Me the Horizon plus story Style. I Think You're Dead, Talk see all string ranking, ventionmin i' data, Remember toob Slat and so many more. Welcome to rock Film May sevente passes on sale now for as low as one dollars down, and Welcome to Rockville dot Com.

38:12 I can't freaking wait and I will be there. Come see me at son Temple or Welcome to Rockville. They also announced the lineup for Incarceration just the other day. Stay tuned, we're gonna have more about that in future episodes. Right now, we're gonna go to I had pre recorded with the resident business expert, Michael Barbarita from Next Step c A CFO and Powerful Business Strategies, and he's going to talk about lines of credit right here on the Adventures of pipe Man, Positively pipe Man W four c Y Radio, W four c Y dot Com, roll it one.

39:00 Hey you LUNTI the cents. Wow, cra your man. This is the pipe Man here on the Adventures pipe Man W four c Y Radio. And this is the Positively pipe main segment of the Adventures of Pipe Man. With our next step CFO Michael Barberita, who is going to give us some powerful business strategy. So welcome to the show, Michael, and let's talk about lines of credit. Thank you, Dan, thanks for having me. So yeah, a line of credit. Now, you know, when I get a new client, one of the first questions, Now what early on did I ask is whether or not they have a line of credit? And about I would say at least sixty percent of the time they do not. And that is a huge, huge mistake because, as everybody knows, business has as it's ups and downs, and you know, poo poo happens I as you probably already know, and part of that poo poo is, you know, poor cash flow due to whether it's economic conditions, whether it's just a seasonality thing, whether it's a bad sales week, whatever it may be. There's a million ways to have a cash flow dip, and most of them it can be temporary if you manage your cash flow properly. And so

40:33 but be that as it may. You must must have access to align of credit. We're not asking you to go out and get a loan. We're asking you to get aligne of credit that doesn't have to be used if not needed, and you only pay about one hundred and fifty dollars a year to the banks that charge it. I have a couple I know of a couple of banks that don't charge anything for the align of credits, so that you know it's it's free to use and that's the end of it with you know, one big one fee up front, like four hundred dollars up front, and that's the end of it. So but a line of credit is something that is just incredibly valuable. And a rule of thumb, here's a rule of thumb of how much, because lots of times business owners ask, well, how much should I get for a line of credit?

41:19 At a minimum ten percent of your annual sales at an absolute minimum I like to get I like to try to go for fifteen percent. It depends upon your credit and your situation. You know, but even if somebody should get let's say a two million dollar business should have a two hundred thousand dollars line of credit and they can't get it, but they can get a fifty thousand dollars line of credit. I make sure they get at least a fifty thousand dollars line of credit because you've got to have it. It's very important. And you're not paying an annoort amount of money for it. You're not paying interest on. It until you use it.

42:00 Yeah, and you know, the other thing is is there's a proper way to use a line of credit, then there's an improper way. Number one, it's not an equipment loan. Sometimes business owners go up buy equipment with their line of credit and then the bank who has what's called a zero balance provision in most line of credit agreements, and a zero balance position provision means that you've got to zero out your line in a period of twelve months. You've got to zero out your line of credit for thirty days. So if you're going to buy equipment with your line of credit, you're not going to zero help your line of credit, and that's going to cause problems. Now some for the most part, as long as you're making your interest payments, banks leave you alone. They let things carry forward, but just wait till there's an economic crisis, and the bank is not to get pressure from the FED to start exercising their rights under these agreements like the zero balance provision. It's not calling in loans as a result of it. That's what happens. So you're going to use your line of credit for cash flow dips essentially and seasonality situations. Other than that, you really shouldn't use your line of credit to buy equipment or it's a fund operating losses. That's another mistake. Now, if you think you're operating losses temporary, that's different. But if you think that then you might go through a couple of years funding an operating loss to a line of credit.

43:27 I know it's there. I know you'll probably do it, but it's not. It's not a good idea. Not a good idea. Credit cards, that's right, stop making profit. There are a variety of ways. We've talked a lot of strategies in the course of the show on how to go about increasing sales, increasing business, having better pricing strategies, up sells, down cells, cross sales. We've talked about strategic partnerships, We've talked a number of ways to increase sales. That's what you should be doing instead of funding your operating losses with a line of credit. So I have a question too that probably a lot of listeners are thinking of. Okay, so how hard is it to get this line of credit?

44:13 Because I would think that it's much harder to get a business loan than personal loan, And I would think that a line of credit would be very hard to get because they know that you could make the mistakes that you were just talking about, and that puts you as more of a risk. And because it's a line of credit, like if you buy equipment, they don't have a lean on your equipment because it's a line of credit. So what what's your advice and information about? You know how solid a is? And you have to be to get a line of credit for your business. So if I went to three days, okay, there'd be one bank that you'd have to be an outstanding cisen Okay, you have to have a lot of profit. To show a lot of profit, they're going to put you through the wringer. There'll be another bank that has moderate requirements, and then they'll be there's a bank that has ice cream requirements. For example, let me give you an example of a bank in this local area that has ice cream requirements. You have to make at least one dollar or more in your last tax return, and and you you your sales have to be over like one hundred thousand dollars, and you could qualify for as much as seventy five thousand dollars line of credit. That's the end of the underwriting.

45:38 Wow that. Okay, you have that. By the way, these are complacent banks who need loans. Let's call a space. It's paid. This is what happens. Okay when times are tough, those terms are gone. Yeah yeah, yeah, all right. Then you have those banks that, uh, you know, I have moderate requirements. Well let's go back to the ice cream for a second. I like the ice cream. Yeah, so what I just I just go bring them some ice cream and they'll give me the loan. But how do you know which banks are the ice cream banks? You got a call, You're gonna make calls. I guess they change because it's all about how much business they need, how much you know, if they need to loan money.

46:28 That's all. It's about. The more opportunities, the more credit lines that they give out, the more opportunities they have to loan money, the more risk they have. And so when times are not as tough, banks get aggressive, just like businesses get aggressive potentially with advertising or you know, going for it kind of thing with you know, with their business and and and and taking on extra risk. Banks do the same thing. And different banks at different times do that. And what's very interesting about it is that there's certain banks in this area that I would never do business with because if you ever go to default, they said, the gastapo after you. There's other banks that don't do much at all, Dean, So you've got to kind of you should talk to a fractional CFO because they know what banks are, uh you know, are the ice cream banks in your market. So you should really talk to a fractional CFO about it, because that's one of the things that we know now. I know about the New England area, and I have contacts around the country as well. Uh So if somebody called me and they had uh they were living in Tapeka, Kansas, I could probably help them and point them in the right direction.

47:46 In terms of you know what banks to go after and what banks to not go after, not not pursue. So now that we're going to go talking about the mediocre and the heart I would assume that it's a good assumption that the big banks, the like nationwide big banks are not. Going to be the ice cream banks. Before well before two thousand and eight, you were wrong. Six two thousand and eight, the Bank of America, Bank of America took they used to give they used to give lines of credit out for us just forget about tax returns, forget about business profit. They used to give it based on over five seventy five credit score. You got one hundred grand. They got murdered. They they got so murdered during THEA crisis they didn't even have to They didn't even pursue any of the personal guarantees. They just wrote off all of it and said for get it.

48:54 Wow. Yeah uh. And I had two or three centul client new clients that came to me because they were in trouble with the bank. But they weren't in trouble with as it turned out, but that they had got in default with the Bank of America during the crisis and Bank of America just said we wrote it off, don't off. So but since then those banks have tightened up to your point and more of the uh, I'm not going to say local banks, but banks that are intermediate and size, say a couple a billion of three billion in assets.

49:35 Those banks, uh, some of those banks, some of those banks have have real easy requirements to get a line of credit. HM. So you have to shop around and then you have to talk to somebody who kind of knows the banks. Yeah, because you don't want to go there might be an ice cream bank, but they come after you with full force if you if you go into default, So you might might want to stay away from that. But so they're the ice cream truck that gives you the ice cream and then after walking across. The stream, they run you over. There you go because you didn't pay for your ice cream, right, that's right.

50:16 Yeah, that's exactly right. You didn't pay for it, so that we're going to run you over. And that's basically what happened. So I think the banking world you have to be careful, but by all means you need to have a line of credit for protection. It's just that, it's all it is is defense. It's not offense, it's defense. And you know, one of the first things I did when I started my business at seven was get a line of credit. And I started with it like a ten thousand dollars line of credit, real small, uh, and then you know, built it up as my business group. But you know, it's it's it's a definite requirement. Well, and I think a lot of people don't realize too.

50:58 I'm glad you said what you did before for about what you shouldn't do. It's not a bank account like lots of the people think a line of credit is a bank account. Like. No, it just sits there. Pretend like you don't have it unless it's an emergency, kind of like your retirement plan in personal life. Can you have access to your retirement plan? You sure can, but you're going to count that money as gone unless something devastating happens and you absolutely need to access it. The best time you use the line of credit is when your cash and receivables added together cover your payables and whatever you take out of the line of credit, because that will hop that liquidity will receivables will eventually become liquid and you can pay down the line of credit.

51:47 So it's not that's the best way to use it. Because sometimes because even though your cash and receivables are higher than your payables and credit line, you can't make payroll this week, you know, because the receivables are just have too high. It's just a cyclical thing. It's not like you're mismanaging your receivables. It's just a cyclical thing. So many many times, and by the way, lots of times in those situations, your credit line is outstanding for a week or two, that's it, right, But it saved you make you from go to a credit card paying eighteen percent or some twenty five whatever crazy percent you're paying, you know, and saved you from borrowing it from Maine.

52:30 Uh. You know. It's just you know and having uh you know, that embarrassment with family or or telling the wife you have to go into Hippocket National Bank, you know, to take the money out and put in the business. That's never a spouse. That's never a good conversation. No, they don't want to do that. You got to do that. So anyway that that's it, And now you know, the way the way you can reach me is by going to next step CFO dot net and go to the contact page on my website. Fill out the contact form and if you have a question about line of credits, you can put the words line of credit in the message section. Be happy to answer your. Questions and go out there and get yourself an ice cream truck. Thanks once again, Michael for some great advice and I look forward to a lot more from you in our Powerful business Strategy segment of the Positively Pipemin And next week we're going to talk about something that goes hand in hand with that line of credit, solving cash flow problems. So stay tuned, come back to here the Adventures of Pipemin W four CY Radio.

53:47 Thank you for listening to the Adventures of Pipemin. I'm w for CUI Radio.