June 15, 2026

Your Pet's Smile + The 13 week Rolling Cash Flow Forecast - Positively Pipeman

Show Notes
Transcript

Season 20, Episode 60 of The Adventures of Pipeman.

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

Chapter 1: The Pet Health Guru is back and we will discuss Your Pet’s Smile - Dental Health and how to approach.

Chapter 2: Michael Barbarita of Next Step CFO and Powerful Business Strategies will discuss The 13 week Rolling Cash Flow Forecast - Most business owners look at cash flow in the rearview mirror. A 13-week rolling forecast is the windshield. It's what sophisticated CFOs use to spot cash crunches before they happen, time large purchases, and negotiate with vendors and banks from a position of strength.

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Hi, you love done too, sensu wow for you you.

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This is the pipe Man here on the Avengers Pipe

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Man right here on W four c Y Radio in

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the Positively Pipe Man segment with the Pet Health Guru.

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And he's here because he makes pets smile. So let's

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find out how you can make your pet smile or

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when you're pet smiling.

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What is it all about?

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Take it away, Bill Hey.

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You know, one of the biggest challenges that we're seeing

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today in the veterinary field and in the amal health

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field and with our pets, particularly in a home situation.

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Our dogs have got rotten mouths, I mean.

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Bad bread, bad teeth, the you know, mild infections, things

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of the senses. Dental has become a major issue now.

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I can remember going back to my every days back

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in the early nineteen eighties, I actually represented a company

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that sold dental equipment to you know, the ultras tooth

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cleaners and the polyishers and all that that your dentists used,

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but they were not being used in the animal industry

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for the simple fact that our animals were eating a

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more species specific diet. And once we got over to

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the no mixed formulations on pet foods, the carbohydrate based.

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All of a sudden, the whole mouth started to rock

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because dogs and cats do not produce amylase in their

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saliva to break down the sugars, so it sticks, causes

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tarder to build up, thumb disease, all that sort of thing.

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And the part that was missed that we had before

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prior to the nineteen eighties that was taking care of

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it is in order to get a dog and eat

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a kibble based food, we always had to mix in meat,

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whether it be caned meat or our own you know,

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leftovers from our own food or bomb cook whatever. And

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it was actually the meat enzymes that dissolve the tart.

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And in fact, when we started to see this revolution

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come along with all the dental problems, our first dental,

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our doggy dental toothpaste was meat enzymes. But if any

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of you out there have ever tried to brush an

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animal's teeth, it's impossible.

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We have to think. They don't brush their teeth in nature,

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do they.

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I always wonder about that, these people that you know,

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they're doing all this stuff that their animals don't do

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in nature.

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Yeah, you know, if you set the films with the

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natural program, I actually had a discussion this past weekend

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with several people, and to be honest, I was I

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was ready to kill.

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I know, I shouldn't say that. AI is going to

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pick that up.

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Now, but these people, I mean, have such a bad,

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incorrect knowledge of what pets should have because they're not

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listening to the pet house guru. They're listening to people

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that are making stuff up to sell products. And you know,

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whether it's a trainer, whether it's a veterinarian, whether it's

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a dog sinner.

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I mean, it's just crazy some of the things I

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happen to be in this group.

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They were walking their dogs and two of the bigger,

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older dogs were having trouble keeping up. Of course it's Florida,

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it's warm out and that sort of thing, but they

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were walking because they wanted to walk and lose weight.

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So they're walking their dogs two three miles at a time.

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These dogs just couldn't do it, and I could see

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that they were, you know, they were actually going lame

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and hurting, and of course, I, you know me, I

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just can't let things go. And I just kind of

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jumped in and said, you know, this is animal abuse. Yeah,

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read your pets and one of the one of the

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people said, well, our dogs are getting fat because we

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don't exercise them enough. I said, wolves don't exercise. I've

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never seen one ed, you know, world fitness. You know,

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the only time they ever run. Puppies might run playing

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a little bit. But once they're not puppies anymore, they're

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you know, they're sedentary. They sleep most of the day.

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The only day a time that a wild and a

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wild canaan would run is chasing food. And once they

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catch it, they're not running again. So you know, we

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have all kinds of little misnomers like this, and of

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course the same thing with the food. You know, if

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your feed of species appropriate diet, dental problems don't show up.

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And you know, so much of that again is even

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even on the human side. You know, the whole dentistry

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thring is such a hoax. It's all about cosmetics. It's

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not about health.

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You know. You know they don't tell you that.

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You know, your bones are riding away because you don't

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have enough minerals in your system. And of course the

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first place it shows up is in your mouth and

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in your teeth, and then it's like, oh, you know,

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we have to do this, this, and this, you know,

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thousands and thousands of dollars. So you know, to keep

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you know, an animal's teeth clean, you got to feed

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that species appropriate diet. You know, dogs need those meat enzymes,

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and they don't keep them clean. And of course the

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other thing is we can't keep in jetting them up

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with all kinds of drugs and stuff because that also

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depletes the minerals, which causes all the dental problems and

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the hip problems and the joint problems.

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Yeah, totally. And I just I find it interesting when

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I talk to pet owners how much money they spend

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on going to the vet to get their dog's teeth cleaned.

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It's gotten to be very, very big business.

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And factually, I said, I used to sell dental equipment

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and I couldn't give it away to a veterinarian back

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in the early eighties until we got sued for practicing

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medicine without a license because we were selling it to groomers.

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And the funny thing is is when they pressed the charges,

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they got thrown out immediately because it wasn't in the

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veterinary code until we changed that pet food formulation to

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exclude real meat and real meat enzymes, there were no

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dental problems, and of course the next year they obviously

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went through and changed all the veterinary codes to make

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it a veterinary only.

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Practice, which meant.

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The groomers that were doing it at that point in

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time were charging like fifty dollars for a quick clean

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and polish, and of course that immediately went to like

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four hundred dollars, and now it's not unusual for them

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to be paying six, seven, eight hundred dollars for a cleaning.

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And of course every time they're going to do a cleaning, they.

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Also find other works that's going to be done, you know,

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extractions and everything else. You know, they're of course we've

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talked about it this on this show that you know,

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the medical position is let's remove body parts including tea. Yeah,

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and uh, you know that screws up the body even

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even more, no doubt. It's just you know, it's one

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of those things that if we're creating more problems than

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they were solving.

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Yeah, so it's you know, it's a battle that way,

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you know.

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Of course, now one of the dangers of most dentals,

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of course, is putting to the animal under anesthesia. Basically

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when you put a dog with a cant under anesthesia.

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They've got about it. There's a twenty five percent chance

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that they will die on the table mm hmm. And

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there is no anesthesiologist in the veterinary clinic, I can

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tell you that.

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And the other thing is now they're doing the.

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So called no anesthesia you know, gentle cleaning. They have

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just as many problems with those as they do anything else.

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You know, you can't get the dogs, you know, uh,

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you know, you can't irrigate it with the water hose

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and then tell them to spit.

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They just don't spit.

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Yeah, right, And why don't they spit? That's they should.

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Somebody needs to teach them how to spit or better yet,

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when are they gonna come up with the great idea

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that all dogs should have veneers?

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Yeah, it's you know, the whole thing is too you know.

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One of the things that we'll keep a dog and

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a cat's teeth clean. Of course, it's chewing on bone,

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one of the things that they do naturally, you know.

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But if you listen to again the powers to be,

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do not give your dog bones. You might break a tooth. Well,

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I hate to tell you if your dog breaks a

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tooth eating a bone, he's already calcium deficient. He's already

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mintle deficient. That's why tooth is weak and it breaks.

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Off and the bones. How thirteenth wasn't it?

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Yes, because you've got the calcium whole calcium complex, which

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is what the teeth are built on and what the bone,

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the jawbone.

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Is based on.

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And when you take that out, you cannot replace that bone.

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It's you know, it's just a complete Well, the dog

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might choke on it, and we're afraid of that. Well,

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the dog can choke on water, you know. It's And

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of course the problem is when you give them something

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like that, like a natural bone, they're if they're feeding

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a commercial food, there's no meat in it. That bone

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is like giving him the best the best salmonico state

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that we could get for the best tender one steak.

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So what do they try to do.

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They try to swallow it, because they never they're not

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going to get anymore. So that's where a problem sometimes lies.

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But the other interesting thing is is if they try

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to swallow a bone, it's too big, and I've seen

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this with cats as well, like things like chicken necks

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and things like that. They have a mechanism in their

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body in their throat that they can get it out themselves.

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They're not going to suffocate. They literally will reviewers it.

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The body knows exactly what to do. And this is

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hundreds of times you know, we had, we had we

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want to rescue that. Every time we get a rib bone,

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pork rib bone, would be fine with the first three

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or four and then the last one got to make

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sure I get it. I got to make sure you

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get so we would swallow it. You always get just

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stuck and then they're sitting there looking at you like.

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Will you help me?

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And it's like, no, I'm not going to help you

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get it out yourself. You put it in there. Guess

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what they always did?

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Die? Did not die?

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What a concept, right? Yeah, Well, well tell everybody how

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they can learn more about this and more when it

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comes to the health of our pets from the Pet

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Health Guru.

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Well, you got to listen to the Pet Health Girl

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right here on this this show, also on the Pet

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Health Cafe, which is my weekly podcast, TV video, whatever

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you want to call it, available on YouTube twenty four

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to seven.

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So you can always go through the archives and find.

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Things you want to learn about you know, if your

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dog already has problems, we have natural solutions for things

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like bad bread. I had a consultation today with one

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that I've been having all kinds of dental problems and

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even though it's been doing it right. Because these things

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can be caused by, like you said, different injections and

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different drugs and things of that nature, we have to

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be proactive.

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In fact, it's funny.

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One of the things that we use at pet Health

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Cafe and at my Paleo Pad in Papeno Beach to

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help break down that tartar is Manuka honey. You just

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swirt it on the base of the teeth and it

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turns the putty and you can wipe it off with

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the gauze. You don't have to have a dental but

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so you know, if they come buy my Paleo pat

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the store and papen ob uh, they can chat with me,

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have a consultation if they need it. They can also

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go online to myipaleopet dot com and order products directly.

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There the easiest quickest way to get them in place

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for in store pickup and or for shipping nationwide.

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And uh, you.

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Know, come by and see us in the new store.

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It's it's really really outstanding. It's going to be a bigger,

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bigger place. We're at the educational center to it, so

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we're going to be doing more you know events there

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with speakers and people that are in the know as well.

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Of course, they can't disagree with me because otherwise that

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throw them out. But you know, we're trying to find

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and put together the services that go along with it,

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things like chiropractic and detoxification and things of that nature.

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So uh yeah, they can reach me at and also

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at pet Guru on Facebook, petals Guru on Facebook, and

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we're all social media as well, and you're going to

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see a lot more of us on that in the

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very near future.

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We're expanding those programs as well.

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Love it and once again a wealth of information, some

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great stories from the pet health Guru. Stay tuned, people,

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because we will be right back with a couple commercials

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of some festival giveaways we're doing, and then some powerful

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business strategies coming up right here on the Adventures pipe

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Man on W four CY Radio.

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Hey you have done too, Yes, Censure.

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Four Wow for you you.

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This is the Aventures pipe Man here on W four

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c Y Radio, and we're back with Michael Barbarita, our

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next step CFO, powerful business strategy expert here on the

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Positively Pipeman segment, and we're going to talk this week

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about the thirteen week rolling cash flow forecast. You know

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thirteen weeks, Michael, is a pretty magical number because they

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use that in a lot of industries as kind of

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a benchmark of things. So it's I think it's interesting

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we're talking about that today.

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Yeah, you know, it represents a quarter of the year.

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So but what we what I what I find is

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is that business owners with cash flow problems, what the

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thirteen week cash flow forecast does is gives them real

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perspective on where the weaknesses are, how they what they

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need to do to improve the forecast if the forecast

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shows negative cash flow.

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So it's a it's a great.

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Tool that I use with my clients because they don't

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know what's causing the cash flow problem. But when they

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see it laid out over a thirteen week period and

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they see the align items of inflows and outflows, they

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really have a good perspective and the timing of those

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inflows and outflows, they really have a good perspective as

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to what needs to be done to alleviate that cash

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flow problem. So it might not just be receivables. It

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might be paying certain bills too early. A lot of

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business owners pay bills too early. A lot of a

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lot of business owners they like to They judge everything

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by their bank account, you know that, by what's in

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the bank, and so, oh, let me pay these bills,

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and so I can forget about those bills. But when

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they're not doe yet, you know, and it causes cash

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flow problems and they don't realize it.

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Yeah, I want to expand on that a little bit,

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because there's a lot of business people that would think

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it was a good thing to pay their bills early.

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Well, only if you get a discount, it's good then,

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but other than that, it's not good at all. Paying

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them on time is good, but not early. Early doesn't

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do anything for your credit score or anything like that.

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And it doesn't, but it reduces your cash flow. And

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you know, things happen, you know, all of a sudden

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you want to pay for something that and you know

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the money because you paid some bills or some group

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of invoice bills too early, and so it destroys the

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purpose of having a cash flow to begin with, if

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you can't do what you need to do. So paying

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bills too early is a big problem. But also you know,

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just general cash flow problems when you see it on

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a thirteen week and thirteen weeks is just one one spreadsheet.

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It's one look and every inflow and outflow is itemized,

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and when you see that, you get perspective. I just

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did it for a client recently, as a matter of fact,

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I think it was three weeks ago, where they were

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having a cash flow problem. We did a thirteen week

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forecast and he isolated the areas that he can shift

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and move and improve, and all of a sudden, his

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thirteen week forecast is now positive. And so now he

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just has to manage his inflows to make sure that

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the inflows because the expenses are usually good and predictable.

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But then he just has to manage the inflows to

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make sure that those are hitting. And when they're not,

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he has to get on the phone and call for more,

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you know, call his receivable list. But the bottom line

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is is that he really understands and knows how his

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cash flow is flowing and how to make it positive.

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I mean he literally manipulated. He said, I don't have

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to pay this now, I don't have to pay that now,

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I don't have to pay this now, I move this

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over there. And then and then he said, you know,

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there's a customer that takes advantage of discount of his

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two percent early paid discounts. So he moved some of

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that receivable uh more more present to more near term,

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and all of a sudden, his cash flow is thinking

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now it's forecasted to be positive. And since that time

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he's had a positive cash flow, it's been about three

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weeks and so. But because he could see it, it's

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all up a perspective. Lots of times business owners I

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got a cash flow problem and they don't know where

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what's causing it, where the leak is, what, how how

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to fix it? Sometimes when just see it, and that's

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why I say that the the thirteen week cash flow

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forecast is like the windshield, you know, you just it's

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not you can see what's ahead and you can actually

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see it and you can avoid it or add to

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it or amend it, and it makes a use difference.

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And business owners don't understand that. They think it's just

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all you're going to show me is doom and gloom

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is what they think. And sometimes that's the case, but

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there's ways to manage that doing good.

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So my question is is this what about for those

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people that think to themselves, well, you know, yes, you're right, Michael.

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But also in the same token. Uh, you know, I

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pay the bill early because I'm more afraid that what

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if when the bill comes, then I don't have to mind.

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At least I know the bills are paid. So if

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I do. Yeah, if I have something come up that

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could cause a cash flow problem, well if I paid

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for that for the cash, then I wouldn't have the

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money to pay the bill. What would you say to those.

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People, Well, a couple things. Number one, the thirteen week

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cash flow forecast would show you that you do have

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the ability to pay it or you don't. That's number one. Yeah,

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And then if something happens where something unexpected happens, which

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always happens in business. So if something unexpected happens you

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can't pay it, you pick up the phone. You call

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the vendor and said, look, I I have this emergency

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that came up. Can I have a few more days?

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I used when I was an escape business sting. If

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I ran into a cash flow problem, I would call.

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I would call up the vendors and say, can you

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give me an extra thirty days? And because I'm always

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paid on time a b they trusted me. Why did

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they trust me? They trusted me because every year at

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the annual trade show.

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I met with them.

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They knew who I was, they saw my face. I

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walked in with financial statements so that they were familiar

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with me. When you developed those kinds of relationship with vendors,

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you can ask for just about anything that's important. Yeah,

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So that's how I that's how I addressed that situation.

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You've gotta you've gotta, you know, really develop good relationships

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with your with your suppliers.

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Some some people.

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Some people, uh uh, just pay the supplier, don't develop

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a relationship with them, and then call up and ask

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for thirty days more. And you know, the vendor skeptical,

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you know, but you know what, you take it anyway.

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If the vendor skeptical, the vendor says no, you just

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take it anyway, take the time and just keep them

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posted and maybe you can pay it the next week

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and not take an extra thirty days. Maybe you can

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pay it the week after. Businesses run that way. It

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Your Pet's Smile + The 13 week Rolling Cash Flow Forecast - Positively Pipeman

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