Dec. 23, 2025

Veterinary Medicine Autoimmune Epidemic + Business Cost Cutting Strategies

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Season 19

Season 19, Episode 75 of The Adventures of Pipeman.

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

Chapter 1: The Pet Health Guru answers Is There An Autoimmune Epidemic in Veterinary Medicine. Learn about the how’s and why’s

Chapter 2: Michael Barbarita of Next Step CFO and Powerful Business Strategies will discuss Cost cutting. As businesses face increasing competition and market volatility, understanding your financial landscape is critical. Cost management isn't just about saving money; it's about allocating resources wisely, ensuring sustainability, and setting the stage for growth. Every dollar saved can be reinvested into the business, fueling innovation and expansion.

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WEBVTT

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Hi, you have done to censure? Wow, crazy young ro

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Wake up America. It's time for the Adventures of Pipeman

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on W four cy com.

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West Poon Beats is number one internet radio station.

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Here's your host, the Vipe Man.

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This is the pipe Man here on the Adventures pipe

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Man W four cy Radio. And we're on our weekly

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Positively Pipeman segment. And this part of the segment is,

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Oh my god. This guru has been our pet health

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Guru for eighteen years and longer and basically has an

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amazing show called Pet Health Cafe, and he's our resident

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expert as far as health and everything else but also

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health for humans. So let's welcome to the show. Bill PACHOCKI,

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how are you.

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I'm doing great. I mean it's like, you know, first off,

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it is I can't believe that we've been doing this

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as long as we have. Number one, Where did the

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time go? I used to be a young man? I

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mean right, And it's you know, it's it's just all

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the stuff that we're finding out today. You know, as

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far as the health industry is concerned, the nutrition the

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world is learning, we've been screwed. I mean, I can't

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put it any other way, we've been screwed, we've been

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lied to, we've been you know, all the fake foods,

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all the fake medicines. Diagnosis doctors can't diagnose anything anymore.

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Veterinarians don't do any diagnostics. It's crazy. So let's just

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throw a weird label on it, and let's just call

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everything auto immune.

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Yeah, it's true in humans too. It's like everybody's gotten

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on I immune disease. Now, well, that's the like buzzword.

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It's it's it's so funny because when they when they

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talk about the immune system and the autoimmune diseases, they're

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talking about the body's attacking itself. Well, the body doesn't

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attack healthy cells. This is where it all stems from.

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We've been poisoned. We're being poisoned every day, radiation, EMFs,

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food adatives, bad water, all of that stuff. And as

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soon as we take that in, it starts to destroy cells.

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So technically, yes, the body is attacking itself. It's trying

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to clean out the dying cells and replacing with good ones.

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It happens throughout the whole body.

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So as far as pets go, how does what is

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it that's happening that's poisoning these pets that are causing

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autoimmune diseases in pats.

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Well, first off, we can start with we put down

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the water bowl. We're buying bottled water for ourselves. Half

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the time, we're just taking it out of the tap.

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We know that our tap water is polluted. It's you know,

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you know, they've taken all the minerals out of it,

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so there's no life in it. It's dead chlorine, fluorides, chlorines,

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all that other stuff that's in it. Microplastics. Now another

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great additive to us. You know, we all need another

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dose of microplastics. Yeah, of course, you know the water

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sources when you look at it, you know, they're they're

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drawing off of ponds and streams and lakes and things

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like that, or even their own lagoons that they've built,

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and all the chemtrails and all those you know, the

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guys Fosse from the farm two miles down the road

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is praying in is you know, drifting into it. So

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we're starting out with poison going into body. Body's gonna start,

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you know, the cells take it up and it starts

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to kill them. And now we've got this stuff going on,

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let's add to it a good of you know bad food,

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you know, fast food with made with chemicals and no

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real food components to it. So we've got that all

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the colors. You know what, why what is dog food

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and cat food coming colors? They're colorblind? I mean, that

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makes no sense at all. So we have that problem.

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And then of course let's look at our household chemicals.

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You know, like I said, the chemtrails, that's in the water,

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all that's in the air too. Where we walk our

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animals outside, they're picking it up, absorbing it through their feet,

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through their skin if they lay down, and so it's

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just a plester of poison, poison, poison, and the body's

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got to get rid of those dead and dying cells.

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Some of them convert into autoimmune. Obviously, that's what the

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doctor calls it, because that's what they see. There's a

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diseased condition. But on the other side of that too,

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those the bodies get going to not only push it out,

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you know, through the digestive system, but if it's too much,

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they were gonna see lumps and bumps start to appear.

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And now we got cancer. So autoimmune goes right into cancer.

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WHOA, I don't care if your body is like trying

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to clean things out, but it makes it worse. What's

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happening there that we're going straight from autoimmune to cancer.

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Well, it's because the body can't, hint. You can only

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do so many tasks. And you know when we come

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into the tumor part of that, that cancer and stuff

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like that, that's the body basically building one warehouse. Let's

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put it all in this tumor and it's you know,

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especially a dogs that they always appear on the outside

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of the body. The body's pushing it out. But you know,

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the medical, the veterinary medical part, and of course even

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the human medical part, they don't. It's they have no

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concept of what's really going on in the body, how

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the body actually works. You have to study the physiology.

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Doctors aren't taught physiology. Veterinarians aren't taught to physiology anymore.

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So if you don't know how the body works, how

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can you ever fix it?

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You know what a great point, because I don't think

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anybody really ever thinks of that.

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No, they don't. And that's the whole thing. I mean,

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my viewpoint, my approach to a lot of this stuff

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is totally different, which obviously makes me a radical. You know,

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you know, you're just making a sum up. But when

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you stop and think about it, if you do have

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any amount of common sense, which is a rarity today,

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and you start working through it, it all falls together.

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It's really easy to follow. We are some of what

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we put in our body, whether it's through injections, whether

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it's through pills, whether it's through medications. All those are

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poisons as well. All they're doing is mitigating symptoms so

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you don't feel bad anymore. We've been doing a lot

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of work, especially on the people's side. I've been doing

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a lot with bioavailable hormones. All these people, all these

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women especially are on bio available hormones. You know, the identicals,

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they're not identical. It's a chemical compound that hides the

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symptom of it. That's all it is.

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You know.

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Can we show a little bit of difference if we

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you know, on the supplement side, if I add you know,

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might and see the K two whatever. Well, I see

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a changing if I'm doing a functional blood test, yeah,

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I can see a spike is changing the numbers. But

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it's temporary.

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You know.

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Nobody gets rid of that as well, and you're right

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back to where you are so autoimmune is nothing, but

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it's like yellogies.

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You know.

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We talked about this in a previous show where you know,

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we went we didn't go through flu season, we just

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went through poison season. And now we're into detox this season.

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You know, well I think we're still poison season. Okay,

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Like I'm celebrating Honka right now. Where we eat in Honica,

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we heat fried foods, specifically Locas and Jolley Donuts.

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Yep.

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Then that Christmas, which is just a repeat of Thanksgiving

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as for food goes, except add a lot more candy,

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you know, because he got all the candy canes. But

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what do you have for Christmas dinner? Turkey or a

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ham or both? Well, you have for Thanksgiving dinner turkey,

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ham or both, and you.

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Know both both those meats are highly processed. I mean,

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you know, uh, I meant at my Paleo pet we

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do do the naturally raised, naturally uh processed turkey, So

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you were not injecting him with all the all the

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chemicals and the you know, the salts and the flavors

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and everything else, which the commercial stuff does. Ham's again

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are cured. I don't I don't know what they're cured from.

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I just can't get my head around that. I didn't

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know they were sick. But that's the mixity more discussion.

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I don't know.

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Maybe maybe it's that's how the Christians came up with

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making it kosher.

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Hey, there's a lot of things on the backside of

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it's really really funny. It's uh, you know, but when

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you people don't realize what they're putting in their mouth.

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And I got to say, your bird is complaining too,

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because your bird knows we're poisoning the bird except for you,

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but all his other bird friends are gaining poison and

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that's why the bird's speaking up.

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Absolutely. I mean I've seen. I mean, I had a

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cockatoo that's out of one of our fosters that had

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a seizure. And when I started breaking it down because

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I go I let to try to look at the

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core problems that are going on. I realized that you

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cannot buy organic seed. It's almost impossible to find it.

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Everything is freaking sprayed, and we're feeding it to our animals,

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we're mixing it in our diet. And it's like even

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to make my own my own blends and stuff like that,

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I have to work too hard because you can't. And

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it's funny. In going along that line, I have a

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company I work. I've been dealing with for close to

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fifty years, Seed Company, and they used to do cage

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bird blends and stuff like that, and I worked with

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them in back in the seventies to do custom stuff

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and they kind of shifted their business because of licensing.

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Their bird seed bag of bird seed now comes it's

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all all for wild birds and it says on the

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bag not for pet birds. WHOA because of the labeling law,

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you have to package your wild bird seed different than

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your cage bird seed.

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Huh the seed. It's so weird, like what just because

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they're caged then in jail they don't get the same food.

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Yeah, it makes you wonder which is which one is better?

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You know? And they're making garbage for the wild birds

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and then we can kill them all off. I mean,

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I know where I live lately, there's been there's been

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almost no wild birds in my backyard. I've got three

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feeders out there that have been filled, what has been

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filled for probably four months, and but it's for specific

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types of birds like finches, cardinals, things like that.

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See, none of them that makes me think. I was

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just up at my daughter's in the Panhandle and they

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have this huge bear problem. But the bears are not

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indigenous to that area. Those were problem bears, you know,

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generations ago that were put there, and so now all

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the you know, all the bears are being brought up

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as problem bears. But the funny thing is is when

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you read what not to do, don't put out bird feeders.

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So maybe that's the whole plan. They put the bears there,

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so you don't put the bird feeder there, so you

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kill off the birds and there you go.

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Yeah, well, I mean that's so. I mean state law

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here in Florida, it's against the law to feed wild animals,

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you know, so even a bird feeder is technically illegal.

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But that changes the environment, and that's what the whole

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thing is. I mean, I watched the documentary a couple

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of days ago where they reintroduced bison out in the

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Texas Panhandle in a desert, almost no vegetation at all.

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The whole ecosystem changed within eighteen months. They thought it

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was a ten year project.

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Huh.

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It went back to natural The natural vegetation came back

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because it stirred up the soil and the seeds are

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still there, and the prairie, like especially out west, in

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the prairie land, the seeds are like still in the soil.

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And once that's disturbed by the right animals in the

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right conditions, all of a sudden, everything changes, it goes

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back in natural We've tried to micromanage everything and in

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the process we create all these all these problems. Like

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you know, when we started out autoimmune, it's just the

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body doing what it's supposed to do.

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So what's the solution.

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Obviously you have to you know, going up the food

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chain basically, if you will, I think we have to

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get rid of the people that are making the decisions

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on what the band what's allowed in food, what's allowed

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in the soil, managing what crops we you know, we

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raise so that we can you know, pair bills. I mean,

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we want we want to you know, we want to

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help John Deere sell million dollar combines. So we're you know,

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we're not gonna plant tomatoes and green beans anymore. We're

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not gonna do the root vegetables that are that are

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natural plants. We're gonna do something that's synthetic. But we're

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making money for the big companies, and that's of course

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that starts out a lot of it in government. And

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you know, you know it's the lobbyists who's going to

239
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make money, you know, so we have to the solution

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give it to the government. I mean, I'm sorry, you know.

241
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I don't think they like I don't think they'll like that,

242
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So we might want to say that quietly, I know.

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But but basically when you look at it, I mean,

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you know, they're making what one hundred and seventy five

245
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thousand dollars a year is a congressman, and they end

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up in two years that multimillionaire. I mean, we have

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to as citizens understand there being scammed, and it's not

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they're not looking out for us, They're looking out for

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their own pockets. And you know so, I mean I

250
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just yesterday, the day before I got a uh uh,

251
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there was a news break that in the United Kingdom

252
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they're outlawing the sale and they may actually made the

253
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suppliers go into stores and take it off the shelf

254
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of court us up and of turkey tail mushrooms because

255
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we don't know enough about them except that we know

256
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that it's a detoxifier that gets rid of cancer m

257
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So it's illegal to sell it now.

258
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Well, there you have it. It might be illegal to

259
00:15:15.600 --> 00:15:19.600
keep your pets healthy, yes, but if you do mind

260
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keep your pets healthy, where do they got it?

261
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The only they can start out on a pet health Cafe,

262
00:15:26.120 --> 00:15:29.080
which is my podcast that we've been doing for eighteen

263
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years now. It's a good place to start a lot

264
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of information there. Every single week. We try to keep

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it fresh, try to keep bringing the least ongoing things.

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Of course, my Paleo Pet is our retail store and

267
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our website and our web store buy the good stuff

268
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to clean stuff. I do my due diligence. I go

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to the farms actually expect what we do, what they're

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doing to supply us. We do third party testing, that's

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just my haliopet dot com. And of course I'm available

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for consultations through that website, through the store itself, and

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we try to get you the best information you can

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and you have. But the thing is, you can buy

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all the herbals and all the foods that I that

276
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we offer to you. But if you take that jar

277
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herbyls and you put it in your cupboard and you

278
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don't use it, guess what doesn't work, you know. I

279
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mean I get clients coming in all the time. My

280
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dogs got cancer, my dog's got autoimmune, my dog's got this,

281
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and we do somevitial formulations for that, and it's like, okay,

282
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this is what you need. Oh I have that? When

283
00:16:37.279 --> 00:16:38.919
did you mind? I can look it up on my computer.

284
00:16:39.000 --> 00:16:42.120
You bought that five years ago. It's a two month supply.

285
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What's wrong with this picture?

286
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You know?

287
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You have to do it. You have to do it. Well,

288
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that's the thing. A lot of times too. People are lazy,

289
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but then wonder why they don't feel good and they

290
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get lazier. It's because you're not doing what your body needs.

291
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So tune into the Pet Health Guru here in the

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00:17:02.279 --> 00:17:05.480
Positively pipe Man segment of the Adventures pipe Man on

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Pet Health Cafe. Go check out my Palio pet and

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we'll be back next week to end the year with CBDs.

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You got it, Thanks Deed, Thank you as always for

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giving us a wealth of information helping our pets and

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00:17:23.319 --> 00:17:26.400
our humans. Pet Health Guru all right, Hello.

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The Sonic Temple Art and Music Festival returns May fourteen

299
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through seventeen with My Chemical Romance.

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Too.

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Bring me the horizon.

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And shine down plus The Offspring, Sublime, God, Smack Breaking, Benjamin,

303
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Marilyn Manson, and so many more. Sonic Temple in Columbus, Ohio,

304
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May fourteen to seventeen. Passes on sale now for his

305
00:17:54.039 --> 00:17:56.880
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00:17:58.119 --> 00:18:02.440
Welcome to Rockville returns Daytona International Speedway May seven through

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00:18:02.519 --> 00:18:10.799
tenth with food Fighters, My Chemical Romance, Consent Roses.

308
00:18:12.359 --> 00:18:16.519
And bring Me the Horizon plus Story Style, five Finger Dead.

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00:18:16.400 --> 00:18:19.519
Talk, All Spring Breaking, Benjamin A Data Remember, Doc Smack

310
00:18:19.640 --> 00:18:22.960
and so many more. Welcome to Rockville May seven through tenth.

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Passes on sale now for as low as one dollars down.

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And Welcome to Rockville dot com.

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Hi, you have done to censure? Wow, pray you your.

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This is the pipe Man here on the Adventures Pipe

315
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Man W four c Y Radio and Man. We were

316
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talking a couple of weeks ago. I think it was

317
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about raising prices, but I think today on the positively

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Pipeman segment here with Michael Barberita of Powerful Business Strategies

319
00:19:08.599 --> 00:19:11.799
and Next Step CFO, now we got to talk about

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the other side, cost cutting. What do you think, Michael,

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there you go.

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I hope you're doing well, Dan, you know, as businesses

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face increasing competition, market volatility, understanding of financial landscape is critical.

324
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It's always critical anyway. But cost management isn't about saving money.

325
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It's actually about allocating resources wisely and ensuring sustainability and

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setting the stage for growth. And every dollar saved can

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be reinvested back into the business, fueling innovation and fueling expansion.

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And you know, business owners need to understand the intricacies

329
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of cost management. How could be a real game changer

330
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for the business. And you've got to remember that in

331
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the big business, every penny counts, so making sure yours

332
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are working for you is is really critical. And there's

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two things that I'd like to get if I don't

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do anything today, I'd like to get across these two

335
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points because for the most part, business owners don't understand

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you have there are two types of costs. There as

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two characteristics of costs. One is fixed costs and one

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is variable costs. And for the most part, your fixed costs,

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you know, they really don't change like rent is a

340
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great example, you know, or annual software subscriptions. These are

341
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fixed costs that really don't change. And then there's variable

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costs and these these actually change based on your business activity.

343
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For the most part, sales, So if you produce more

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or sell more, you're gonna spend more on things like

345
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raw materials or commissions or you know, even even potentially advertising.

346
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So those are variable costs. And so by by understanding

347
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your fixed and variable costs, you really can get a

348
00:21:01.079 --> 00:21:04.880
better handle on your on your business completely. So and

349
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most of your variable costs are in your cost are

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good sold, So the cost associated with with with selling

351
00:21:11.920 --> 00:21:15.000
your product or services, those are usually the variable costs.

352
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And I included one of them called raw material so

353
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over a payroll, uh, direct labor payroll that is so

354
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not administrative payroll. That's more of a fixed cost. So

355
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by understanding your fixed and variable costs, it's a good

356
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starting point for cost cutting. And the thing about it

357
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is there's a couple of things that I see a

358
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lot in terms of areas that business owners can cut costs.

359
00:21:41.680 --> 00:21:45.000
Number one is and this is abused a lot. It's

360
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unused subscriptions and memberships, whether it's a software tool that's

361
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no longer in use or a club membership that a

362
00:21:52.319 --> 00:21:55.880
business owner has forgotten about. These are costs that add

363
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up and they just keep hitting your credit card and

364
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you forget.

365
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Especially now, specially.

366
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Now right, And that's something you should review your credit

367
00:22:07.400 --> 00:22:10.160
card statement every month to make sure that everything on

368
00:22:10.400 --> 00:22:14.160
there is something that's active and that you're actively using it.

369
00:22:14.839 --> 00:22:17.319
So that's one thing I see a lot. I'll go

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00:22:17.440 --> 00:22:21.279
through credit card statements with clients, and many times I'll

371
00:22:21.319 --> 00:22:24.000
find one or two subscriptions that, oh, I didn't know

372
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I had that anymore. I don't use that anymore. So therefore,

373
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you know there's an opportunity to cut.

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I'll add to that too, is people this is why

375
00:22:34.839 --> 00:22:39.519
they do and companies do this. But people sign up

376
00:22:39.559 --> 00:22:46.720
for free trials and then never cancel. And so like me,

377
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when I sign up for a free trial, I actually

378
00:22:51.079 --> 00:22:54.200
put something in my calendar for when I need to

379
00:22:54.319 --> 00:22:57.480
cancel it if I don't want it. So it reminds me, oh,

380
00:22:58.200 --> 00:23:01.279
I better cancel this before they charge my card, you know,

381
00:23:01.400 --> 00:23:03.200
because every time you're on free trial, you have to

382
00:23:03.240 --> 00:23:06.400
give it great card. There's a method to their madness, you.

383
00:23:06.440 --> 00:23:07.119
Know, and.

384
00:23:08.720 --> 00:23:12.640
You know it's actually that is how I think businesses

385
00:23:12.759 --> 00:23:16.039
make a lot of money nowadays because they give out

386
00:23:16.079 --> 00:23:20.599
these free trials and nobody ever cancels to like way

387
00:23:20.680 --> 00:23:22.640
down the road when they figure out that they're still

388
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being charge.

389
00:23:24.039 --> 00:23:28.759
Right right, Yeah, it's definitely. It's definitely an area that

390
00:23:30.160 --> 00:23:33.519
companies make millions of dollars with a year and they

391
00:23:33.559 --> 00:23:36.000
don't have to deliver a service. It's amazing.

392
00:23:36.559 --> 00:23:36.759
Yeah.

393
00:23:37.559 --> 00:23:40.599
And the second one is overstocking inventory. So holding on

394
00:23:40.839 --> 00:23:45.279
excess inventory, as people should know, ties up capital. It

395
00:23:45.440 --> 00:23:49.720
leads to increased storage costs, and it's a waste, especially

396
00:23:49.920 --> 00:23:53.480
if the item is that one that gets obsolete, whether

397
00:23:53.519 --> 00:23:56.559
it's parishable or like clothing that goes out of style.

398
00:23:56.720 --> 00:23:59.359
You know, it could be as simple as that something

399
00:23:59.400 --> 00:24:01.599
that's really not perishable, but it goes out of style,

400
00:24:01.799 --> 00:24:02.640
no one's going to buy.

401
00:24:02.519 --> 00:24:09.200
It, okay, So if they have a poor on the

402
00:24:09.319 --> 00:24:13.480
lot that's from the last year, they need to get

403
00:24:13.559 --> 00:24:13.920
rid of it.

404
00:24:14.440 --> 00:24:20.559
Absolutely. Yeah, it's just so holding onto excess inventory is

405
00:24:20.640 --> 00:24:24.599
something that business owners never I should say never, but

406
00:24:24.839 --> 00:24:28.839
rarely review and understand the impact that can have on

407
00:24:29.880 --> 00:24:34.839
cash flow and and expense. The other thing that business

408
00:24:34.880 --> 00:24:36.960
owners for the most part don't do is they don't

409
00:24:37.039 --> 00:24:40.519
leverage bulk purchasing. So buying in bulk can lead to

410
00:24:40.599 --> 00:24:44.160
significant discounts and if you're you know, if you're if

411
00:24:44.160 --> 00:24:47.079
you're purchasing the same item frequently but not in bulk,

412
00:24:47.119 --> 00:24:49.039
you're into that, you're probably gonna end up paying more

413
00:24:49.119 --> 00:24:51.599
than necessary. And this is where inventory management comes in.

414
00:24:52.240 --> 00:24:52.400
You know.

415
00:24:52.519 --> 00:24:55.279
That's why I talked about overstalking, and now this time

416
00:24:55.359 --> 00:24:58.680
I'm talking about not taking advantage of bulk purchasing. But

417
00:24:58.759 --> 00:25:01.960
when you're efficient with yourvory, you don't overbuy and you

418
00:25:02.119 --> 00:25:05.279
take advantage of both purchasing. That's the most efficient flow

419
00:25:05.720 --> 00:25:07.039
of inventory that there can be.

420
00:25:07.640 --> 00:25:10.680
I'll add about inventory too, is like so many people

421
00:25:10.720 --> 00:25:13.880
I've ever known in my life that are in a

422
00:25:14.319 --> 00:25:19.240
business that requires inventory, they stock inventory and to them

423
00:25:20.359 --> 00:25:23.519
it's like a bank account or their safety net, you know,

424
00:25:23.720 --> 00:25:30.000
because that represents you know, money to them. Okay, The

425
00:25:30.160 --> 00:25:34.559
problem with that thinking is, first of all, those items

426
00:25:34.599 --> 00:25:36.599
in inventory, like you said, they could go as a style,

427
00:25:37.440 --> 00:25:41.680
Something could happen where they get ruined, they could a

428
00:25:41.839 --> 00:25:44.839
multitude of things could happen, whereas if you just had

429
00:25:44.880 --> 00:25:48.119
the cash, you wouldn't have to worry about that.

430
00:25:48.880 --> 00:25:55.519
Yeah, oh absolutely, inventory could be a big problem for companies.

431
00:25:55.680 --> 00:26:02.119
Big problem. The other thing is not renegotiating contracts, whether

432
00:26:02.160 --> 00:26:07.319
it's with suppliers, service providers, landlords. Failing to renegotiate contracts

433
00:26:08.359 --> 00:26:11.599
periodically can mean you're paying more than the current market rate.

434
00:26:12.200 --> 00:26:17.119
And you know, a lot of people believe that just

435
00:26:17.200 --> 00:26:21.119
because they're under a lease means they're just married to it.

436
00:26:21.519 --> 00:26:24.039
And granted, you don't have a lot of leverage. But

437
00:26:24.160 --> 00:26:26.319
if you go back to the landlord with your hat

438
00:26:26.359 --> 00:26:30.319
in your hand and show them why you can't afford these,

439
00:26:30.720 --> 00:26:33.920
you know, the rent increases that are coming up on

440
00:26:34.000 --> 00:26:37.759
your lease, I think that there's room for renegotiation because

441
00:26:37.799 --> 00:26:39.799
it costs the landlord much more money to get a

442
00:26:39.880 --> 00:26:42.240
new tenant than it does to keep the existing one.

443
00:26:42.839 --> 00:26:45.200
And so that's the leverage that you actually have when

444
00:26:45.200 --> 00:26:48.559
you're a tenant, and people don't realize that. They just

445
00:26:48.640 --> 00:26:52.400
think that they're stuck with it. I have been involved

446
00:26:52.480 --> 00:26:58.079
in multiple renegotiations of leases, and very successfully most of

447
00:26:58.160 --> 00:27:03.200
the time, because of the fact that it costs more

448
00:27:03.440 --> 00:27:05.079
to get a new tenant than it does to keep

449
00:27:05.119 --> 00:27:07.599
it existing with. I mean, it's just like, I mean,

450
00:27:07.640 --> 00:27:09.559
it's just like it costs more to get a new

451
00:27:09.599 --> 00:27:11.519
customer and it does to keep it existing with.

452
00:27:12.519 --> 00:27:14.839
I talk about that all the time in my industry,

453
00:27:14.839 --> 00:27:18.440
because my industry is notorious for doing thirteen week contracts,

454
00:27:18.880 --> 00:27:21.519
and usually in that thirteen weeks, the people don't see

455
00:27:21.640 --> 00:27:24.000
the results they're looking for yet, and they don't renew,

456
00:27:24.799 --> 00:27:28.319
and so they're constantly and we're talking the big boys,

457
00:27:28.920 --> 00:27:33.200
they're constantly looking for fresh blood. And my viewpoint is

458
00:27:34.200 --> 00:27:37.839
I'd rather cultivate what I already have than always having

459
00:27:37.880 --> 00:27:39.319
to go out and get fresh blood.

460
00:27:40.880 --> 00:27:44.759
Interesting, Yeah, yep, I think that's the best practice.

461
00:27:45.440 --> 00:27:48.359
Which leads me to something else too about cost cutting.

462
00:27:49.240 --> 00:27:54.799
It is the fact that if you're buying stuff. You know,

463
00:27:54.920 --> 00:27:57.319
you talked about bulk, but how about the fact of

464
00:27:58.920 --> 00:28:03.519
paying for the year opposed to paying by monthly anything

465
00:28:03.640 --> 00:28:08.480
you buy like a service, if you pay for the year,

466
00:28:08.559 --> 00:28:12.200
you get a substantial discount, you know, and when you

467
00:28:12.319 --> 00:28:14.519
pay monthly, you're going to be paying a lot more.

468
00:28:15.440 --> 00:28:18.599
I think funny as it may seem to bring this up,

469
00:28:19.039 --> 00:28:24.319
but one of the biggest offenders of that is people

470
00:28:24.400 --> 00:28:28.559
that sign up for online dating sites. Because a lot

471
00:28:28.599 --> 00:28:31.480
of the online dating sites they'll charge like ninety nine

472
00:28:31.559 --> 00:28:34.119
a month or something like that. But if you pay

473
00:28:34.240 --> 00:28:36.640
for a year, you can get it for one ninety

474
00:28:36.720 --> 00:28:39.359
nine for the whole year and people still pay monthly

475
00:28:39.799 --> 00:28:42.559
and I'm like, oh my god, what's wrong with it?

476
00:28:43.160 --> 00:28:45.519
And they think because I'm going to meet somebody, i

477
00:28:45.599 --> 00:28:46.759
won't need it for a year.

478
00:28:47.440 --> 00:28:50.400
Yeah, you know, but you're right.

479
00:28:50.440 --> 00:28:53.839
They do that with other subscriptions too, I mean, luckily

480
00:28:53.920 --> 00:28:57.119
instead of upfront. And that's where the efficient use of

481
00:28:57.279 --> 00:29:03.079
capital is critical and what business owners, for the most part,

482
00:29:03.200 --> 00:29:06.960
can't appreciate. The other thing I see Dan is late

483
00:29:07.119 --> 00:29:11.440
late payments, late fees. Oh yeah, that that adds up

484
00:29:11.519 --> 00:29:14.160
tremendously for a lot of business owners because they just

485
00:29:14.240 --> 00:29:18.160
don't have an organized methodology to pay their bills. They

486
00:29:18.240 --> 00:29:21.160
have the cash, but it's not an organized methodology to

487
00:29:21.200 --> 00:29:24.960
pay your bills. Another thing I see is I'll see

488
00:29:25.079 --> 00:29:27.519
I'll see ballot sheets that have three hundred thousand of

489
00:29:27.599 --> 00:29:31.680
cash and they have a credit line that's outstanding for

490
00:29:31.759 --> 00:29:34.160
one hundred thousand, and they're not paying down the line

491
00:29:34.200 --> 00:29:37.720
of credit where they could save interest, and the interest

492
00:29:37.799 --> 00:29:39.759
down on lines of credit anywhere from between eight and

493
00:29:39.839 --> 00:29:40.680
ten percent.

494
00:29:40.519 --> 00:29:43.839
Not like it was during the COVID right, Or how

495
00:29:43.880 --> 00:29:47.799
about how about these little stupid fees that people like,

496
00:29:48.640 --> 00:29:50.960
even late fees like people are like Wow, it's no

497
00:29:51.079 --> 00:29:56.079
big deal. It's only ten dollars, right, Okay, but ten dollars.

498
00:29:56.240 --> 00:29:59.279
God. I showed a client the other day who had

499
00:29:59.359 --> 00:30:04.039
late late and all this interest stuff that added up

500
00:30:04.039 --> 00:30:08.039
to three grand, and he said, that's impossible. They're only

501
00:30:08.160 --> 00:30:09.839
like ten to fifteen dollars a pop. And then I

502
00:30:09.880 --> 00:30:12.599
showed them the detail and it was like, you know,

503
00:30:13.039 --> 00:30:16.200
thirty forty. You know, there was like one hundred literally

504
00:30:16.279 --> 00:30:18.279
one hundred thirty dollars charges.

505
00:30:19.039 --> 00:30:23.200
You know, thanks banks are huge financial institutions because that

506
00:30:23.599 --> 00:30:26.440
I have an actual next wife that before we got married,

507
00:30:27.039 --> 00:30:31.079
her bank account had five hundred dollars in overdraft fees

508
00:30:31.319 --> 00:30:35.079
every single month, every single month, and people don't pay

509
00:30:35.119 --> 00:30:37.960
attention to that. And then you get an overdraft fee

510
00:30:38.319 --> 00:30:41.319
because you went because you got an overdraft fee, that

511
00:30:41.519 --> 00:30:44.880
made you even more overdrafted, and it just adds up,

512
00:30:44.920 --> 00:30:49.039
and people don't pay attention to how much it's really

513
00:30:49.240 --> 00:30:50.039
damaging them.

514
00:30:51.960 --> 00:30:55.119
Interesting, And the other thing I want to talk about

515
00:30:55.359 --> 00:31:02.000
is insurance costs with my clients. Insurance costs are getting

516
00:31:02.200 --> 00:31:04.880
way out of control. And I'm not recommending what I'm

517
00:31:04.880 --> 00:31:07.359
about to say, but I at least want to let

518
00:31:07.440 --> 00:31:12.039
business owners know that there is an option out there potentially,

519
00:31:13.240 --> 00:31:17.160
and that is I'm gonna say it, I don't know,

520
00:31:17.599 --> 00:31:19.720
but self insuring. And I'm going to tell you why.

521
00:31:20.480 --> 00:31:23.319
Here's what I've been finding. And it takes a lot

522
00:31:23.400 --> 00:31:25.880
of guts to do this. And that's why I don't

523
00:31:25.920 --> 00:31:28.200
recommend it, because it because I don't think I'd even

524
00:31:28.279 --> 00:31:34.079
do it. But but with respect to insurance costs, especially liability,

525
00:31:34.079 --> 00:31:36.880
there's certain insurance that you have to deal with workers

526
00:31:36.920 --> 00:31:38.960
come for example, that you have to you have to

527
00:31:39.039 --> 00:31:41.000
have that that could and that could go up to

528
00:31:41.039 --> 00:31:43.480
the moon and we really don't have any recourse. But

529
00:31:43.640 --> 00:31:47.319
some of these liability insurance policies now are getting really ridiculous.

530
00:31:47.440 --> 00:31:51.160
I have clients that every single year their liability insurance

531
00:31:51.240 --> 00:31:56.960
is going up twenty percent. What what I see happening, though,

532
00:31:57.079 --> 00:31:59.599
is what what you could do? You know, if you're

533
00:31:59.720 --> 00:32:02.559
if you're liability insurance is like one hundred thousand dollars,

534
00:32:03.599 --> 00:32:06.440
you take fifty thousand dollars of that you self insure,

535
00:32:06.839 --> 00:32:09.079
You take fifty thousand dollars of it. You put it

536
00:32:09.200 --> 00:32:12.960
in a fund, a separate reserve for you know, for

537
00:32:13.039 --> 00:32:17.240
a potential lawsuit. And here's what I found because most

538
00:32:17.359 --> 00:32:23.440
of the lead lawyers lawsuits are contingency based, and they're

539
00:32:23.519 --> 00:32:27.720
contingency based because they know that the insurance companies have

540
00:32:27.880 --> 00:32:30.799
these big buck this pool of big bucks that they

541
00:32:30.839 --> 00:32:35.200
can that they know they'll get, right, it's certain money.

542
00:32:35.880 --> 00:32:39.000
And that's why there's so many contingency cases because the

543
00:32:39.079 --> 00:32:40.960
lawyers know that there's a pot of gold at the

544
00:32:41.079 --> 00:32:43.440
end that they can attach, they can grab, they can get,

545
00:32:44.279 --> 00:32:47.640
Whereas if you are self insured, the pot of gold

546
00:32:47.720 --> 00:32:51.640
isn't as great. And I've seen situations where lawyers have

547
00:32:51.839 --> 00:32:55.559
actually backed off from suing because the pot of gold

548
00:32:55.640 --> 00:32:57.200
there is no insurance to pay it.

549
00:32:58.240 --> 00:33:04.039
Well. Perfect example of that in personal life is auto insurance.

550
00:33:05.000 --> 00:33:07.319
So I don't know if you know this or not,

551
00:33:08.000 --> 00:33:14.200
but if you are properly insured, the judge, if you

552
00:33:14.319 --> 00:33:17.119
ever have a lawsuit, will stay within your limits, and

553
00:33:17.240 --> 00:33:20.680
if you're not, they won't. So in other words, you

554
00:33:20.759 --> 00:33:23.680
could do you could think you're saving money by going

555
00:33:23.799 --> 00:33:28.279
for the minimum liability ten fIF and ten fifteen thousand whatever,

556
00:33:29.160 --> 00:33:31.680
and a judge will look at as like you're under

557
00:33:31.799 --> 00:33:36.640
insured and screw you, I'm gonna make you pay. But

558
00:33:36.759 --> 00:33:41.079
if you have like one hundred three hundred that even

559
00:33:41.160 --> 00:33:44.599
if this lawsuits for a million dollars, it's gonna stay

560
00:33:44.640 --> 00:33:45.359
within that hundred.

561
00:33:45.359 --> 00:33:48.720
You're gonna stay within the rage. Yeah. Yeah, that's amazing.

562
00:33:48.799 --> 00:33:53.559
And vehicle insurance is something you c really I'm talking

563
00:33:53.640 --> 00:33:56.880
strictly liability insurance. In terms of trying to self insure,

564
00:33:56.880 --> 00:34:01.640
it's getting ridiculous. I mean, my clients are paying anoort

565
00:34:01.839 --> 00:34:05.720
amounts of money for insurance. Yeah, and you know they're

566
00:34:05.759 --> 00:34:11.840
hesitant to switch because what's happening is the the the

567
00:34:12.079 --> 00:34:15.599
Trade Association is recommending this certain insurance and usually when

568
00:34:15.639 --> 00:34:18.639
they do that, you know that usually is the best

569
00:34:18.679 --> 00:34:22.079
insurance because they're pulling all these risks. But I don't

570
00:34:22.079 --> 00:34:24.599
know if the insurance companies are taking advantage of it.

571
00:34:24.679 --> 00:34:27.000
I mean, I was just talking to an oborist. He

572
00:34:27.199 --> 00:34:32.559
has this policy that is, you know, is recommended by

573
00:34:32.599 --> 00:34:36.440
the trade. There's a number of risks that in that pool.

574
00:34:36.880 --> 00:34:40.360
The number you know, the premium should be low, and

575
00:34:40.639 --> 00:34:43.599
the premiums increasing twenty percent this year. I mean, god,

576
00:34:43.800 --> 00:34:47.559
it's just it's just insane. So that's been a really

577
00:34:47.800 --> 00:34:51.480
really challenging thing for business owners. And I just want

578
00:34:51.519 --> 00:34:54.519
to throw off the concept, just just to conceptually throw

579
00:34:54.599 --> 00:34:57.599
it out there. I'm not recommending anybody does it, but

580
00:34:57.920 --> 00:35:06.800
if somebody has enough fortitude, maybe in fact, maybe in fact,

581
00:35:06.840 --> 00:35:07.760
they might consider it.

582
00:35:09.840 --> 00:35:12.639
You listen, it is a good idea. I agree with you.

583
00:35:12.880 --> 00:35:16.239
I own the insurance agency and I still don't self insure,

584
00:35:16.360 --> 00:35:17.920
but it is one of the best ideas.

585
00:35:18.800 --> 00:35:23.119
So anyway, So what I'd like to offer your audience, Dean,

586
00:35:23.360 --> 00:35:27.960
is I have a workbook called, you know, cutting Costs

587
00:35:28.039 --> 00:35:31.639
and Creating cost Efficiencies, and it's a step by step

588
00:35:31.679 --> 00:35:35.760
implementation workbook. It's not just information, it's actually an implementation

589
00:35:35.960 --> 00:35:38.920
plan in the workbook. And I'll be happy to offer

590
00:35:39.000 --> 00:35:42.199
your to your audience for your charge, simply by going

591
00:35:42.239 --> 00:35:46.360
to my website next step CFO dot net and then

592
00:35:46.679 --> 00:35:49.360
hit the contact button, fill out the contact form and

593
00:35:49.440 --> 00:35:54.000
in the message box put cost Cutting Workbook and I'll

594
00:35:54.039 --> 00:35:55.280
be happy to send that off.

595
00:35:55.239 --> 00:35:59.119
To you nice. I think everybody needs that nowadays with

596
00:35:59.199 --> 00:36:02.199
the increased price is you need to do some cost

597
00:36:02.280 --> 00:36:05.400
cutting to survive. You need to get rid of that

598
00:36:05.760 --> 00:36:08.880
trim that fat, okay, because there's a lot of it,

599
00:36:09.440 --> 00:36:11.519
and there's a lot of stuff we're spending money on

600
00:36:11.679 --> 00:36:16.719
as business owners that we're not getting anything out of it,

601
00:36:16.880 --> 00:36:21.280
nor are we even using it. It's like adjusting. It's

602
00:36:21.360 --> 00:36:23.960
like when the Yellow Pages were popular. Do you know

603
00:36:24.199 --> 00:36:28.280
that most businesses advertised in the Yellow Pages not because

604
00:36:28.280 --> 00:36:30.440
they got business out of it, because they felt they

605
00:36:30.559 --> 00:36:31.960
couldn't afford.

606
00:36:31.679 --> 00:36:32.639
To not be in it.

607
00:36:33.159 --> 00:36:36.679
But yet he wasn't producing any money to them, so

608
00:36:37.760 --> 00:36:39.800
they were spending a lot of money they didn't need

609
00:36:39.880 --> 00:36:43.000
to spend. But it was that psychology of oh, I

610
00:36:43.199 --> 00:36:46.960
have to have it, you know, I'm here to tell you.

611
00:36:47.440 --> 00:36:50.599
Michael's here to tell you. If it's not benefiting it,

612
00:36:50.920 --> 00:36:51.960
you don't have to have it.

613
00:36:52.079 --> 00:36:54.400
So you got to you got to track that stuff

614
00:36:54.559 --> 00:36:57.280
because it's you know, otherwise you're not gonna be able

615
00:36:57.280 --> 00:36:59.639
to make logical decisions. You're going to just make decisions

616
00:36:59.639 --> 00:37:02.920
based of fear, which is what Dean just explained on

617
00:37:03.039 --> 00:37:04.599
the yellow page scenario.

618
00:37:04.639 --> 00:37:08.920
There it is. So thanks again Michael for some great insight,

619
00:37:09.119 --> 00:37:12.280
great advice, and some free information that people need to

620
00:37:12.320 --> 00:37:15.199
take advantage of. And thanks for being on the Adventures

621
00:37:15.239 --> 00:37:15.719
of Pipemin.

622
00:37:16.119 --> 00:37:20.000
Great to be here, Thank you, Thank you for listening

623
00:37:20.280 --> 00:37:22.719
to the Adventures of Pipemin.

624
00:37:23.320 --> 00:37:26.760
I'm w for CUI Radio.