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

0:04 Hi, you love done too, sensu wow for you you. This is the pipe Man here on the Avengers Pipe Man right here on W four c Y Radio in the Positively Pipe Man segment with the Pet Health Guru. And he's here because he makes pets smile. So let's find out how you can make your pet smile or when you're pet smiling. What is it all about? Take it away, Bill Hey. You know, one of the biggest challenges that we're seeing today in the veterinary field and in the amal health field and with our pets, particularly in a home situation.

0:52 Our dogs have got rotten mouths, I mean. Bad bread, bad teeth, the you know, mild infections, things of the senses. Dental has become a major issue now. I can remember going back to my every days back in the early nineteen eighties, I actually represented a company that sold dental equipment to you know, the ultras tooth cleaners and the polyishers and all that that your dentists used, but they were not being used in the animal industry for the simple fact that our animals were eating a more species specific diet. And once we got over to the no mixed formulations on pet foods, the carbohydrate based.

1:35 All of a sudden, the whole mouth started to rock because dogs and cats do not produce amylase in their saliva to break down the sugars, so it sticks, causes tarder to build up, thumb disease, all that sort of thing. And the part that was missed that we had before prior to the nineteen eighties that was taking care of it is in order to get a dog and eat a kibble based food, we always had to mix in meat, whether it be caned meat or our own you know, leftovers from our own food or bomb cook whatever. And it was actually the meat enzymes that dissolve the tart.

2:15 And in fact, when we started to see this revolution come along with all the dental problems, our first dental, our doggy dental toothpaste was meat enzymes. But if any of you out there have ever tried to brush an animal's teeth, it's impossible. We have to think. They don't brush their teeth in nature, do they. I always wonder about that, these people that you know, they're doing all this stuff that their animals don't do in nature. Yeah, you know, if you set the films with the natural program, I actually had a discussion this past weekend with several people, and to be honest, I was I was ready to kill.

3:02 I know, I shouldn't say that. AI is going to pick that up. Now, but these people, I mean, have such a bad, incorrect knowledge of what pets should have because they're not listening to the pet house guru. They're listening to people that are making stuff up to sell products. And you know, whether it's a trainer, whether it's a veterinarian, whether it's a dog sinner. I mean, it's just crazy some of the things I happen to be in this group. They were walking their dogs and two of the bigger, older dogs were having trouble keeping up. Of course it's Florida, it's warm out and that sort of thing, but they were walking because they wanted to walk and lose weight. So they're walking their dogs two three miles at a time.

3:44 These dogs just couldn't do it, and I could see that they were, you know, they were actually going lame and hurting, and of course, I, you know me, I just can't let things go. And I just kind of jumped in and said, you know, this is animal abuse. Yeah, read your pets and one of the one of the people said, well, our dogs are getting fat because we don't exercise them enough. I said, wolves don't exercise. I've never seen one ed, you know, world fitness. You know, the only time they ever run. Puppies might run playing a little bit. But once they're not puppies anymore, they're you know, they're sedentary. They sleep most of the day. The only day a time that a wild and a wild canaan would run is chasing food. And once they catch it, they're not running again. So you know, we have all kinds of little misnomers like this, and of course the same thing with the food. You know, if your feed of species appropriate diet, dental problems don't show up.

4:47 And you know, so much of that again is even even on the human side. You know, the whole dentistry thring is such a hoax. It's all about cosmetics. It's not about health. You know. You know they don't tell you that. You know, your bones are riding away because you don't have enough minerals in your system. And of course the first place it shows up is in your mouth and in your teeth, and then it's like, oh, you know, we have to do this, this, and this, you know, thousands and thousands of dollars. So you know, to keep you know, an animal's teeth clean, you got to feed that species appropriate diet. You know, dogs need those meat enzymes, and they don't keep them clean. And of course the other thing is we can't keep in jetting them up with all kinds of drugs and stuff because that also depletes the minerals, which causes all the dental problems and the hip problems and the joint problems.

5:37 Yeah, totally. And I just I find it interesting when I talk to pet owners how much money they spend on going to the vet to get their dog's teeth cleaned. It's gotten to be very, very big business. And factually, I said, I used to sell dental equipment and I couldn't give it away to a veterinarian back in the early eighties until we got sued for practicing medicine without a license because we were selling it to groomers. And the funny thing is is when they pressed the charges, they got thrown out immediately because it wasn't in the veterinary code until we changed that pet food formulation to exclude real meat and real meat enzymes, there were no dental problems, and of course the next year they obviously went through and changed all the veterinary codes to make it a veterinary only.

6:35 Practice, which meant. The groomers that were doing it at that point in time were charging like fifty dollars for a quick clean and polish, and of course that immediately went to like four hundred dollars, and now it's not unusual for them to be paying six, seven, eight hundred dollars for a cleaning. And of course every time they're going to do a cleaning, they. Also find other works that's going to be done, you know, extractions and everything else. You know, they're of course we've talked about it this on this show that you know, the medical position is let's remove body parts including tea. Yeah, and uh, you know that screws up the body even even more, no doubt. It's just you know, it's one of those things that if we're creating more problems than they were solving.

7:21 Yeah, so it's you know, it's a battle that way, you know. Of course, now one of the dangers of most dentals, of course, is putting to the animal under anesthesia. Basically when you put a dog with a cant under anesthesia. They've got about it. There's a twenty five percent chance that they will die on the table mm hmm. And there is no anesthesiologist in the veterinary clinic, I can tell you that. And the other thing is now they're doing the. So called no anesthesia you know, gentle cleaning. They have just as many problems with those as they do anything else. You know, you can't get the dogs, you know, uh, you know, you can't irrigate it with the water hose and then tell them to spit.

8:07 They just don't spit. Yeah, right, And why don't they spit? That's they should. Somebody needs to teach them how to spit or better yet, when are they gonna come up with the great idea that all dogs should have veneers? Yeah, it's you know, the whole thing is too you know. One of the things that we'll keep a dog and a cat's teeth clean. Of course, it's chewing on bone, one of the things that they do naturally, you know. But if you listen to again the powers to be, do not give your dog bones. You might break a tooth. Well, I hate to tell you if your dog breaks a tooth eating a bone, he's already calcium deficient. He's already mintle deficient. That's why tooth is weak and it breaks.

8:58 Off and the bones. How thirteenth wasn't it? Yes, because you've got the calcium whole calcium complex, which is what the teeth are built on and what the bone, the jawbone. Is based on. And when you take that out, you cannot replace that bone. It's you know, it's just a complete Well, the dog might choke on it, and we're afraid of that. Well, the dog can choke on water, you know. It's And of course the problem is when you give them something like that, like a natural bone, they're if they're feeding a commercial food, there's no meat in it. That bone is like giving him the best the best salmonico state that we could get for the best tender one steak.

9:44 So what do they try to do. They try to swallow it, because they never they're not going to get anymore. So that's where a problem sometimes lies. But the other interesting thing is is if they try to swallow a bone, it's too big, and I've seen this with cats as well, like things like chicken necks and things like that. They have a mechanism in their body in their throat that they can get it out themselves. They're not going to suffocate. They literally will reviewers it. The body knows exactly what to do. And this is hundreds of times you know, we had, we had we want to rescue that. Every time we get a rib bone, pork rib bone, would be fine with the first three or four and then the last one got to make sure I get it. I got to make sure you get so we would swallow it. You always get just stuck and then they're sitting there looking at you like.

10:36 Will you help me? And it's like, no, I'm not going to help you get it out yourself. You put it in there. Guess what they always did? Die? Did not die? What a concept, right? Yeah, Well, well tell everybody how they can learn more about this and more when it comes to the health of our pets from the Pet Health Guru. Well, you got to listen to the Pet Health Girl right here on this this show, also on the Pet Health Cafe, which is my weekly podcast, TV video, whatever you want to call it, available on YouTube twenty four to seven. So you can always go through the archives and find. Things you want to learn about you know, if your dog already has problems, we have natural solutions for things like bad bread. I had a consultation today with one that I've been having all kinds of dental problems and even though it's been doing it right. Because these things can be caused by, like you said, different injections and different drugs and things of that nature, we have to be proactive.

11:34 In fact, it's funny. One of the things that we use at pet Health Cafe and at my Paleo Pad in Papeno Beach to help break down that tartar is Manuka honey. You just swirt it on the base of the teeth and it turns the putty and you can wipe it off with the gauze. You don't have to have a dental but so you know, if they come buy my Paleo pat the store and papen ob uh, they can chat with me, have a consultation if they need it. They can also go online to myipaleopet dot com and order products directly. There the easiest quickest way to get them in place for in store pickup and or for shipping nationwide.

12:19 And uh, you. Know, come by and see us in the new store. It's it's really really outstanding. It's going to be a bigger, bigger place. We're at the educational center to it, so we're going to be doing more you know events there with speakers and people that are in the know as well. Of course, they can't disagree with me because otherwise that throw them out. But you know, we're trying to find and put together the services that go along with it, things like chiropractic and detoxification and things of that nature. So uh yeah, they can reach me at and also at pet Guru on Facebook, petals Guru on Facebook, and we're all social media as well, and you're going to see a lot more of us on that in the very near future.

13:05 We're expanding those programs as well. Love it and once again a wealth of information, some great stories from the pet health Guru. Stay tuned, people, because we will be right back with a couple commercials of some festival giveaways we're doing, and then some powerful business strategies coming up right here on the Adventures pipe Man on W four CY Radio. Louder than Life from North America's loudest rock and Metal Festival, returns to Louisville this September with My Chemical Romance, Iron Maidens, tul Lymph, Biscuit plus Pensera, Here's the Veil to Kira, pop A, Roachet more, nearly two hundred bands across seven stages.

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14:35 Hey you have done too, Yes, Censure. Four Wow for you you. This is the Aventures pipe Man here on W four c Y Radio, and we're back with Michael Barbarita, our next step CFO, powerful business strategy expert here on the Positively Pipeman segment, and we're going to talk this week about the thirteen week rolling cash flow forecast. You know thirteen weeks, Michael, is a pretty magical number because they use that in a lot of industries as kind of a benchmark of things. So it's I think it's interesting we're talking about that today.

15:24 Yeah, you know, it represents a quarter of the year. So but what we what I what I find is is that business owners with cash flow problems, what the thirteen week cash flow forecast does is gives them real perspective on where the weaknesses are, how they what they need to do to improve the forecast if the forecast shows negative cash flow. So it's a it's a great. Tool that I use with my clients because they don't know what's causing the cash flow problem. But when they see it laid out over a thirteen week period and they see the align items of inflows and outflows, they really have a good perspective and the timing of those inflows and outflows, they really have a good perspective as to what needs to be done to alleviate that cash flow problem. So it might not just be receivables. It might be paying certain bills too early. A lot of business owners pay bills too early. A lot of a lot of business owners they like to They judge everything by their bank account, you know that, by what's in the bank, and so, oh, let me pay these bills, and so I can forget about those bills. But when they're not doe yet, you know, and it causes cash flow problems and they don't realize it.

16:47 Yeah, I want to expand on that a little bit, because there's a lot of business people that would think it was a good thing to pay their bills early. Well, only if you get a discount, it's good then, but other than that, it's not good at all. Paying them on time is good, but not early. Early doesn't do anything for your credit score or anything like that. And it doesn't, but it reduces your cash flow. And you know, things happen, you know, all of a sudden you want to pay for something that and you know the money because you paid some bills or some group of invoice bills too early, and so it destroys the purpose of having a cash flow to begin with, if you can't do what you need to do. So paying bills too early is a big problem. But also you know, just general cash flow problems when you see it on a thirteen week and thirteen weeks is just one one spreadsheet.

17:45 It's one look and every inflow and outflow is itemized, and when you see that, you get perspective. I just did it for a client recently, as a matter of fact, I think it was three weeks ago, where they were having a cash flow problem. We did a thirteen week forecast and he isolated the areas that he can shift and move and improve, and all of a sudden, his thirteen week forecast is now positive. And so now he just has to manage his inflows to make sure that the inflows because the expenses are usually good and predictable. But then he just has to manage the inflows to make sure that those are hitting. And when they're not, he has to get on the phone and call for more, you know, call his receivable list. But the bottom line is is that he really understands and knows how his cash flow is flowing and how to make it positive.

18:43 I mean he literally manipulated. He said, I don't have to pay this now, I don't have to pay that now, I don't have to pay this now, I move this over there. And then and then he said, you know, there's a customer that takes advantage of discount of his two percent early paid discounts. So he moved some of that receivable uh more more present to more near term, and all of a sudden, his cash flow is thinking now it's forecasted to be positive. And since that time he's had a positive cash flow, it's been about three weeks and so. But because he could see it, it's all up a perspective. Lots of times business owners I got a cash flow problem and they don't know where what's causing it, where the leak is, what, how how to fix it? Sometimes when just see it, and that's why I say that the the thirteen week cash flow forecast is like the windshield, you know, you just it's not you can see what's ahead and you can actually see it and you can avoid it or add to it or amend it, and it makes a use difference.

19:53 And business owners don't understand that. They think it's just all you're going to show me is doom and gloom is what they think. And sometimes that's the case, but there's ways to manage that doing good. So my question is is this what about for those people that think to themselves, well, you know, yes, you're right, Michael. But also in the same token. Uh, you know, I pay the bill early because I'm more afraid that what if when the bill comes, then I don't have to mind. At least I know the bills are paid. So if I do. Yeah, if I have something come up that could cause a cash flow problem, well if I paid for that for the cash, then I wouldn't have the money to pay the bill. What would you say to those.

20:37 People, Well, a couple things. Number one, the thirteen week cash flow forecast would show you that you do have the ability to pay it or you don't. That's number one. Yeah, And then if something happens where something unexpected happens, which always happens in business. So if something unexpected happens you can't pay it, you pick up the phone. You call the vendor and said, look, I I have this emergency that came up. Can I have a few more days? I used when I was an escape business sting. If I ran into a cash flow problem, I would call. I would call up the vendors and say, can you give me an extra thirty days? And because I'm always paid on time a b they trusted me. Why did they trust me? They trusted me because every year at the annual trade show.

21:24 I met with them. They knew who I was, they saw my face. I walked in with financial statements so that they were familiar with me. When you developed those kinds of relationship with vendors, you can ask for just about anything that's important. Yeah, So that's how I that's how I addressed that situation. You've gotta you've gotta, you know, really develop good relationships with your with your suppliers. Some some people. Some people, uh uh, just pay the supplier, don't develop a relationship with them, and then call up and ask for thirty days more. And you know, the vendor skeptical, you know, but you know what, you take it anyway.

22:11 If the vendor skeptical, the vendor says no, you just take it anyway, take the time and just keep them posted and maybe you can pay it the next week and not take an extra thirty days. Maybe you can pay it the week after. Businesses run that way. It just does cash flow. Most negative cash flow could be managed with the thirteen week rolling forecast. It's very's and by the way, it accounts for emergencies. If an emergency comes up, there's ways to manage that. And to your point, like if you don't develop a relationship with them because you're somebody that maybe is late with your bills, so you kind of avoid you're not going to have those times where they're gonna, you know, bend the rules for you.

22:53 Right, that's right, I want go ahead. I was gonna say. I also find interesting that people get like a zero interest for six months, zero interest for twelve months, and they pay it off early. Why, Yeah, you're not paying other people's money man, right, you're not. Paying right, you couldve'st that money. You could do it a lot of things if that's in your business, that is, you could do a lot of things with that money, a lot of Yeah, exactly, they don't they Yeah, they're you know, that's another thing that business owners don't understand. They don't understand the opportunity cost of money absolutely cash flow.

23:37 Yeah. And and the other thing is too, why do you bother getting alone if you're gonna pay it off early and you didn't really need the money? True? Very true. So tell everybody how they can reach out to you to have some you know, conversations more about this subject and how you can help their business to have some powerful business strategies. Excellent. Glad to do that. So if you go to the next step CFO net on the right hand upper right hand corner, you'll see this diagnostic that you can click on and what it'll do is within five minutes, it will identify three strategies that your competition isn't doing, based on the answers that very customized to your business, based on the answers that you give it, and the financial impact of each strategy, some information on the strategy and how to implement it, and I think it's a terrific, terrific diagnostic for business owners who are really stuck as to how to implement something that the competition isn't Next CFO dot at stexstep CFO dot net right hand corner orange button.

24:46 Nice. Well, thanks again for your wealth of information for our businesses out there, and hopefully they got some powerful business strategies for their powerful business. Thank you, Dane, thanks for having me. You got it. And that's it for the adventures of pipe Man today. But next week we will have our resume expert, Michael Barbarita back on and we will talk about position of market dominance as employer of choice. So don't stay tuned, but come back. Thank you for listening to the adventures of Pipemin on w for CUI Radio.