Podcasts about Kmart

In this episode, the 4 Idiots preview conference championship weekend in college football. The 4 Idiots Show, presented by Fade U, is made by idiots and 4 idiots. Contributors include Kmart, Chris Duke, and Joey Cheese. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Joe Ham, Joey Cheese, & fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @_kmart9 @hazmatsuit23 @Degen4Life84 @joe_knows___ @matthewjames78 @fattbillsfan

Australian department store chain Kmart pulled a Christmas themed bag earlier this month, after complaints that the message on it was to similar to the name of the terror group "Hamas". As always...thanks for listening!

In this episode, special guest and living college basketball encyclopedia Greg Peterson (@GUnit_81) joins the boys to preview the 2023-24 college basketball season. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Joe Ham, Joey Cheese, & fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @_kmart9 @hazmatsuit23 @Degen4Life84 @joe_knows___ @matthewjames78 @fattbillsfan

Today, we're planning for Black Friday and sharing the spendy items we're grabbing in the sales. And, we're giving you an exclusive sneak peek into some of Kmart's best Black Friday beauty. Read more here. In nosey news, we interviewed Sephora employees and asked them which products weren't worth the hype. Read the full article here. Plus, the hair colour you're going to be seeing everywhere this summer. Read more about the newest trend here. LINKS TO EVERYTHING MENTIONED:  Giorgio Armani Luminous Silk Foundation $105 Skin Cetucials C E Ferulic Serum $242 Mermade Hair Interchangeable Blow Dry Brush $159 Ghd thin wand hair curler $270 Aveda Nutriplenish Deep Moisture Masque $91 Alpha-H Dawn to Dusk SPF50+ Serum $65 Sencha Skin Brow Lamination Kit $29 Kahlia Skin LED Under-Eye Patches $49 Kahlia Skin LED Light Facial Therapy Mask $49 Sencha Skin Lash Lift Kit $29 SUBSCRIBE: Subscribe to Mamamia GET IN TOUCH:Got a beauty question you want answered?  Email us at youbeauty@mamamia.com.au or call the podphone on 02 8999 9386.  Join our You Beauty Facebook Group here. Want this and other podcasts delivered straight to your inbox? Subscribe to our podcast newsletter. You Beauty is a podcast by Mamamia. Listen to more Mamamia podcasts here. CREDITS: Host: Kee Reece Searles & Erin Docherty Producer: Cassie Merritt Audio Producer: Leah Porges Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Our guest for our 11/19/2023 show was male porn star Alex Jett. Before jumping into the adult entertainment business, Alex was an insurance fraud investigator and also worked at KMart. He's "cum" a long ways from those days and is now ramping up his new concept -- thus the cow outfit. You'll learn more about that and more on the show. Joining us for the conversation were Richard Pacheco and Lorenzo! --- Support this podcast: https://podcasters.spotify.com/pod/show/jizztalking/support

Hey guys welcome to another Podcast Episode right here, welcome back. We sat down with Leo Lopez of C10 Explosion , good ol' Jon Jon from C10 Disorder, and of course the man himself that builds all these awesome and bitchin rides with his amazing team. This man told us he got his passion with his mom when he was in Kmart back in the day looking at all the Matchbox Cars. It was when we all watched the Dukes of Hazzard and American Graffiti. Leo, Jon Jon and Wiley are all 3 true Truck guys. Thanks for picking this episode we think you guys will enjoy this one. https://www.instagram.com/skratchsgarage/?hl=enhttps://www.chipfoose.com/Don't forget to support our Youtube Channel and our sponsors and advertisers. (I would like to thank the following people for their generous donation) We couldn't do it with out you.GARY PHILLIPS - Denton, Texas ,  DEREK DEGRAND - Justin, Texas , DAN HELM- Brownwood, TexasThey support us, so lets support them back!!!!Turnkey Print and Embroidery - 9716 Limestone, Joshua, TX 76058 https://turnkeyprintandembroidery.com/ (817) 980-3539Image 360 Graphics San Antonio - 5303 Wurzbach Rd, San Antonio, TX 78238 https://sanantoniowesttx.image360.com/                                                                                                                                     (210) 520-6699Yestedays50sdiner.com - 305 US-380, Bridgeport, TX 76426 yesterdays50sdiner.com    (940) 683-6620Www.BustedKnuckleMagazine.com, Www.Empphotos.com, Www.C10America.netDO YOU WANT TO BE ON AN EPISODE?  DO YOU WANT THE WORLD TO HEAR YOUR STORY?www.C10Disorder.comwww.facebook.com/p/C10-Explosion-100064918023310/www.wileysspeedshop.comWww.C10Nationals.com  Www.CKTruckMag.comWww.ClassicTruckNationals.comWww.BigKidCustoms.comWww.Connorscarshow.comWww.Killerridez.comWww.mssallyscollectibles.comWww.bbledheadlights.comWww.StreetModdesigns.comWww.ReposGarage.comwww.radicalrestorationstx.comWww.Gasmonkeygarage.comWww.Streetsideclassics.comWww.AdvantageAutoWorks.comDonations are greatly Appreciated  Your Donations help and go a long way in helping us offset the Travel, The Equipment,  The Podcast Hosting, every little bit helps and adds up.  Click Here: https://www.paypal.com/donate/?hosted_button_id=S5G9ZQFFH4J5G

This week on The Don't Touch My Sasquatch Podcast we have a nice relaxed discussion about various news articles, topics and encounters for Quick Cuts Vol. 3. We discuss AARO, Coast to Coast, fishing boats, fact checks, UAP updates, USOs, anniversaries, tangent cuts, Mandela effects, KMart, Dogman, bears, old cartoons and D.B. Cooper freestyles raps. Cut it!Found everywhere podcasts are availableSpotify: https://spoti.fi/3cHrUzU Apple: https://apple.co/3BqAv4f Google: https://bit.ly/3vgxiQUYouTube: https://rebrand.ly/2auvcje Patreon: https://urlgeni.us/patreon/m1jQSocialsFacebook: https://urlgeni.us/facebook/9JnQ Instagram: https://urlgeni.us/instagram/pJcM Websitehttps://www.donttouchmysasquatch.com/Referenceshttps://metro.co.uk/2023/11/10/us-air-force-officer-goes-public-terrifying-ufo-encounter-19803474/ https://www.coasttocoastam.com/article/dod-releases-report-on-ufo-investigation/ https://www.phantomsandmonsters.com/2023/11/glimmer-man-encountered-in-adirondack.htmlhttps://www.coasttocoastam.com/article/new-search-for-db-coopers-parachute-yields-intriguing-white-sheet/ Stock Media provided by TheDoctorCaptain / Pond5 Hosted on Acast. See acast.com/privacy for more information.

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“I'm Madea! Ma to the damn D-E-A!” In this week's episode, we dissect Madea Goes to Jail, a Tyler Perry production that was released on February 20, 2009 and starred Tyler Perry, Derek Luke, and Keshia Knight Pulliam. Join us as we discuss bob wigs, anger management, WWJD, getting "off the streets", KMart, cultural hegemony, and more! Notable Mentions + References in This Episode: Circuit City Madea Goes to Jail Normalizing Hegemony and Stereotyping of Black Crime Madea Goes to Jail Premiere Vanessa Ferlito Preachers of Atlanta Olivia Pope Vs. Annalise Keating Fried Green Tomatoes Light My Candle - Rent Fake Teen Doctor Scam Ion Overman PPP Loan Scam Father John's Cod liver Oil Cheetah Girls (Episode 050) Connect with us: Instagram: @in_hindsight_pod Twitter: @in_hindsightpod  Want us to dissect one of your favorite childhood movies? Slide in our DMs or email us at inhindsightpod@gmail.com! Thanks for listening! --- Send in a voice message: https://podcasters.spotify.com/pod/show/in-hindsight/message

In this episode, special guest and World Series of Poker Main Event winner Chris Moneymaker (@CMONEYMAKER) joins the boys to preview Week 11 in the NFL. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Joe Ham, Joey Cheese, & fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @_kmart9 @hazmatsuit23 @Degen4Life84 @joe_knows___ @matthewjames78 @fattbillsfan

A Morning News Update That Takes Into Account The News Stories You Deem 'Highly Conversational' Today's Sponsor: AppSumohttp://thisistheconversationproject.com/appsumo Today's Rundown:NFL reporter Charissa Thompson admits she used to make up fake sideline reportshttps://www.usatoday.com/story/sports/media/2023/11/16/charissa-thompson-make-up-fake-nfl-sideline-reports/71608786007/ Sean ‘Diddy' Combs accused of rape and abuse in lawsuit filed by former girlfriend Cassie Venturahttps://www.cnn.com/2023/11/16/entertainment/diddy-cassie-lawsuit/index.html Russian artist who protested Ukraine war gets 7 years in prison in latest crackdown on free speechhttps://apnews.com/article/russia-ukraine-war-crackdown-dissent-trial-05b638eb5b175102a2da0758caa6e6e9 Roger Waters denied hotel stays in Argentina and Uruguay over antisemitism allegations, report sayshttps://apnews.com/article/argentina-uruguay-roger-waters-cb8b9276dd2f1eea45eaa6111456406b AB-InBev Executive To Resign After Anti-American Beer Giant Continues To Spiral Down A Never-Ending Black Holehttps://dailycaller.com/2023/11/15/anheuser-busch-inbev-benoit-garbe-bud-light-beer/ Inverted Jenny stamp, a rare item, sold for $2 million to New York manhttps://www.usatoday.com/story/money/2023/11/15/inverted-jenny-stamp-sold-2023/71599919007/ Zahara Jolie-Pitt joins historic Black sorority Alpha Kappa Alphahttps://www.nbcnews.com/news/nbcblk/alpha-kappa-alpha-sorority-welcomes-zahara-jolie-pitt-rcna125560 Sammy Hagar Invites Arch Nemesis David Lee Roth To Join In On Upcoming Tourhttps://dailycaller.com/2023/11/16/van-halen-sammy-hagar-tour-invite-david-lee-roth/ Website: http://thisistheconversationproject.com Facebook: http://facebook.com/thisistheconversationproject Twitter: http://twitter.com/th_conversation TikTok: http://tiktok.com/@theconversationproject YouTube: http://thisistheconversationproject.com/youtube Podcast: http://thisistheconversationproject.com/podcasts #yournewssidepiece #coffeechat #morningnews ONE DAY OLDER ON NOVEMBER 17:RuPaul (63)Daisy Fuentes (57)Rachel McAdams (45) WHAT HAPPENED TODAY:1998: The public heard Monica Lewinsky's voice for the first time as the House Judiciary Committee released 22 hours of recordings secretly made by Linda Tripp.2003: Arnold Schwarzenegger was inaugurated Governor of California.2004: Kmart announced it was buying Sears, Roebuck and Co. for $11 billion. PLUS, TODAY WE CELEBRATE: Baklava Dayhttps://www.nationaldaycalendar.com/national-day/national-baklava-day-november-17

Have you ever been sent a marketing email that didn't have an unsubscribe button? Or maybe you've received a message from a company you're sure you've already unsubscribed from? More and more businesses are getting caught out for breaching Australia's spam laws- including Kmart, Ticketek and Uber just in the last few weeks. Today on this extra episode of The Briefing, we speak to Andrew Williams, CEO of the Australian Communications Consumer Action Network, about what happens when companies don't follow these rules, and why you shouldn't just delete your spam.See omnystudio.com/listener for privacy information.

Figuring out where potential customers are in the hectic media system and not waste budgets reaching them across disparate channels is driving marketers and media agencies to experiment with some interesting alternatives in cross-media audience measurement. Kmart, its agency UM and IPG tech stablemate Kinesso, think they have landed on a winner – Beatgrid's automatic content recognition phone-based panel.  Beatgrid counts the likes of Amazon, Google, P&G, Unilever and Virgin as clients. The firm's tech measures TV, digital video, audio and even out of home audiences, as well as in-store footfall. Plus its panel of paid-up and consented humans is doing away with the guesswork of brand uplift studies. Which is why Kinesso Digital Strategy Director, Charlie Allatt, convinced UM's Group Director for Kmart, Adam Russell, to trial the tech. By making “inaudible pitch shifts” to creative across different screen types, “the system can unwind whether people are being exposed in a particular channel,” says Allatt. For Kmart, the two launched the trial across linear TV, BVOD and YouTube – which siloed measurement systems can't do in one hit. Then they ran the numbers against Google's DV360 DSP for YouTube ads, and against OzTam's data for linear TV and BVOD. “Both channels tilted very, very closely to the Beatgrid numbers,” says Russell. Plus, using Beatgrid's location data, they could map the ads served to Kmart's in-store footfall. “We could see the difference of people who, within a two-week span, had seen an ad and then gone on into a Kmart store versus people who haven't seen an ad,” says Allatt. “We could directly measure that uplift in real time, specifically broken down for each channel.”  Kmart must “demonstrate every day that we are [reaching customers] really efficiently, ensuring every dollar we invest is performing,” says GM of Marketing Rennie Freer. The Beatgrid trial, “was a great opportunity to do that,” she says, “because if we're saving dollars here, if what we're doing is really delivering the efficacy we need, we can reinvest in new channels.” As cookies disappear and privacy laws tighten, Beatgrid's founder Daniel Tjondronegoro and Australia GM Cameron Curtis think single-source panels are about to have a major renaissance.See omnystudio.com/listener for privacy information.

Patrick has some theories and what a better place to air them out than the daily Nobody Likes Onions podcast live stream comedy program! April Imholte's anxiety is through the roof, and winter is coming! Will this woods woman be able to weather the depression of another Minnesota locked up with her scrawny stick husband playing radio in the basement? Is she bailing on more and more shows lately because of her fragile ego? Plus - we go over Chad's standup comedy set from this past weekend in Ohio, and find out he still hasn't written one new joke. The cope from Chad about losing a roast battle to Ray DeVito continues. It's Training Tuesday, and we've got the tools you need to be K-Mart ready! ...

Allison was all set to play Little Kid or Drunk Adult for tickets to either Drake or Travis Scott!

Macomb Mayor Michael Inman is back in the studio to talk about some announcements from the November 6th Macomb City Council meeting, including the proclamation recognizing November as Homeless Awareness Month, the official reveal of the first tenant in the retail property being developed in the old K-Mart building on East Jackson Street, and to remind Macomb citizens and businesses who are decorating their property exteriors for the Holidays to sign up for the Tour of Lights. 

Although Arab Gulf leaders rejected a call by Iran to arm Palestinians and break off all diplomatic ties with Israel, the Biden administration is reportedly angry that Israeli PM Benjamin Netanyahu will not consider a ceasefire in Gaza.5) Weekend summit of Islamic states in Riyadh reaches no firm agreement on Israel-Hamas war; 4) Pro-Hamas Armistice Day protests in UK anger Brits; 3) Iceland issues warning after hundreds of earthquakes hint at imminent volcanic eruption; 2) Nearly a million chickens quarantined in Minnesota after Highly Pathogenic Avian Influenza detected; 1) Kmart in Australia apologizes, pulls product after customers complain about “Merry Ham-mas” Christmas ham.FOLLOW US!Twitter X: @SkyWatch_TVYouTube: @SkyWatchTVnow @SimplyHIS @FiveInTenRumble: @SkyWatchTVFacebook: @SkyWatchTV @SimplyHIS @EdensEssentialsInstagram: @SkyWatchTV @SimplyHisShow @EdensEssentialsUSATikTok: @SkyWatchTV @SimplyHisShow @EdensEssentialsSkyWatchTV.com | SkyWatchTVStore.com | EdensEssentials.com | WhisperingPoniesRanch.com

Although Arab Gulf leaders rejected a call by Iran to arm Palestinians and break off all diplomatic ties with Israel, the Biden administration is reportedly angry that Israeli PM Benjamin Netanyahu will not consider a ceasefire in Gaza. 5) Weekend summit of Islamic states in Riyadh reaches no firm agreement on Israel-Hamas war; 4) Pro-Hamas Armistice Day protests in UK anger Brits; 3) Iceland issues warning after hundreds of earthquakes hint at imminent volcanic eruption; 2) Nearly a million chickens quarantined in Minnesota after Highly Pathogenic Avian Influenza detected; 1) Kmart in Australia apologizes, pulls product after customers complain about “Merry Ham-mas” Christmas ham. FOLLOW US! Twitter X: @SkyWatch_TV YouTube: @SkyWatchTVnow @SimplyHIS @FiveInTen Rumble: @SkyWatchTV Facebook: @SkyWatchTV @SimplyHIS @EdensEssentials Instagram: @SkyWatchTV @SimplyHisShow @EdensEssentialsUSA TikTok: @SkyWatchTV @SimplyHisShow @EdensEssentials SkyWatchTV.com | SkyWatchTVStore.com | EdensEssentials.com | WhisperingPoniesRanch.com

It's a juicy one! Ross discovers Rachel has feelings for him and they FINALLY get their first *real* kiss. Join us as we unpack this emotionally charged episode and say a final farewell (ya done) to Julie. Peppered into the discussion are also things that don't work, like bike shorts with K-Mart sweatshirts, tiny wine glasses, and half-time cat sharing. 

Happy Friday! Have a great weekend!

In this episode, the 4 Idiots (@ForeIdiots) preview Week 10 in the NFL with the help of special guest Sharp Dimes (@SharpDimes) Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Joe Ham, Joey Cheese, & fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @matthewjames78 @_kmart9 @hazmatsuit23 @Degen4Life84 @joe_knows___ @fattbillsfan

Holmberg's Morning Sickness - Brady Report - Friday November 10, 2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

K-Mart ditches it's Christmas Ham Bag idea and the boys see an opportunity. It appears Ethan has begun eating out of the garbage and is not afraid to talk about it. The boys have a contest to see who is on the most prescription medications.

Today on the Woody and Wilcox Show: Veteran's Day deals; Fun With Football Audio; People are putting toilet paper in the refrigerator; Advent calendar from Sam's Club; The return of Justin Kutcher; Using a drive-thru has gone up 30%; K-Mart's ham bags cause uproar; Dior is selling perfume for babies; Dr. Phil's wife's eyebrow transplant; And so much more!

Stupid News 11-10-2023 6am ...That is not how you Test Drive a Vehicle …Get a Free Glock when you sign up for Invisalign Aligners at Gladwell's Orthodontics …K-Mart Australia cancels the “Merry Hamas Promotion”

 In this mind bending 2 episode experience, first we explore Papa and Barkley's top-notch Extraction, Concentrate and Hash headquarters. Then we move on to the former K-Mart for a Wonka-esque journey through their Chocolate making, Gummy infusion,and medicinal manufacturing like you've never seen before! Be sure to check our Youtube for the full visual experience! papaandbarkley.com

 In this mind bending 2 episode experience, first we explore Papa and Barkley's top-notch Extraction, Concentrate and Hash headquarters. Then we move on to the former K-Mart for a Wonka-esque journey through their Chocolate making, Gummy infusion,and medicinal manufacturing like you've never seen before! Be sure to check our Youtube for the full visual experience! papaandbarkley.com

In this episode, the 4 Idiots (@ForeIdiots) hold down the fort with a best bet special episode for Week 9 in the NFL. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Bucket Boy Neil, Joe Ham, Riley the Murse, and fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @matthewjames78 @_kmart9 @hazmatsuit23 @BigNellyBuckets @joe_knows___ @RileyEnglish04 @fattbillsfan

Kmart has been made to pay a $1.3 million fine for sending over 200,000 emails to people who had already unsubscribed prompting questions if email marketing is effective.See omnystudio.com/listener for privacy information.

Hosts: TJ & Krissy This week on the show: Segment One: The Twins call Brett (our hunting season correspondent) as he gets sketchy service and tells of traumatizing Bambi. Grandbaby is getting ready to arrive and Shaka-Zulu and Gram-Cracker can't wait! TJ avoids a horrific incident with the Quad M Family chat group. Segment Two: FGS brings back a long unreported topic much to Krissy's horror. HOT TAKES brings a wave of four celebrity passings. Tj reviews I, Tonya and Krissy reviews Pet Semetrary: Bloodlines. Segment three: REDDIT FUN starts with “What do the poor consider classy that the rich considers trashy” and just simply leads to TJ & Krissy reminiscing about the good old days growing up white trash. Mr. Steak and K-Mart! It's THE QUAD M SHOW!!!

In today's episode of the IC-DISC Show, we chat with Jerry Vaughn, founder and president of J Gault, a company revolutionizing business financing. Jerry explains how J Gault enables Main Street businesses to reap corporate credit opportunities by leveraging their EINs and NOT having to provide a personal guarantee. He shares insightful stories of entrepreneurs who, thanks to J Gault, secured lower interest rates and increased funding despite lacking revenue history or business plans. As Jerry describes, J Gault's approach prepares companies for economic uncertainty while ensuring they emerge stronger. Whether you're an entrepreneur looking to scale up or a small business owner pursuing growth, this discussion with Jerry Vaughn illuminates the transformative potential available by accessing business credit innovatively.   SHOW HIGHLIGHTS The episode features a conversation with Jerry Vaughn, the founder and president of J Galt, a company revolutionizing business financing. Jerry explains how Main Street companies can leverage their Employer Identification Numbers (EINs) to build corporate credit and access competitive rates. Real-life examples, such as Randy, a contractor from North Carolina, and a real estate investor from Texas, demonstrate how J Galt has helped transform businesses by improving their funding. Jerry emphasizes that J Galt's approach is not just about securing funding, but also preparing businesses for unpredictable events and ensuring their resilience. One of the major benefits of J Gault's approach is allowing smaller companies to avoid personal guarantees when accessing corporate credit opportunities. The company offers a membership program that provides lifetime support, including cash flow management services, business valuation assistance, and exit strategy planning. There are rules for "fundability" that businesses need to adhere to, such as having a business bank account, a registered phone number, a website, and a corporate email address. Building company credit on the EIN number and avoiding personal guarantees is a secret to accessing cash flow, according to Jerry. Jerry mentions that the mission of J Gault goes beyond merely selling—it's about serving and educating entrepreneurs and small business owners. The episode emphasizes that just because a business is labeled small doesn't mean it has to stay that way. With the right financing strategies, businesses can scale and grow. LINKSShow Notes Be a Guest About IC-DISC Alliance About J.Galt Finance Suite GUEST Jerry VaughnAbout Jerry TRANSCRIPT (AI transcript provided as supporting material and may contain errors) David: Hi, this is David Spray and welcome to another episode of the IC-DISC show. I had a great guest on today, jerry Vaughn, who's the founder and president of J Gault, and for those of you who are big and Rand fans, you may recognize that name. It's inspired by the character John Gault from the book Atlas Shrug by Ayn Rand. So J Gault is a disruptor in the business financing world and basically they allow main street companies privately held, closely held, small to medium sized companies to get access to the same corporate credit opportunities that large public companies have. And one of the biggest benefits of this approach is it allows smaller companies to get rid of the personal guarantee. I know for many of my clients that's one of their big frustrations is they really don't want to be personally guaranteeing business credit, business debt. Oftentimes it's because their spouse isn't keen on using their house as collateral for a business loan. So it's a great episode. We talk about a variety of different things some stories about customers of theirs. They have a membership program and it's really a great service that I find to be really intriguing. So I hope you enjoy the episode as much as I did. Good morning, jerry. Welcome to the podcast. How are you doing today? Jerry: I'm doing fantastic, David. I appreciate you having me on today. David: Well, my pleasure. So where are you calling in from today? What part of the world are you in? Jerry: A big metropolis of Indianapolis, Indiana. David: Ah well, one of your suburbs, I think, has the most roundabouts of any city in the country, carmel. Jerry: Yes, Carmel. Carmel in California and Carmel in Indiana just like the candy you would eat. David: Sure, have you been through any of those famous Carmel roundabouts? Jerry: Actually, where I live, carmel Fisher's, nobleville it's the city sister city is a roundabout. Yes, I actually like them. At first I was like what is this? But actually it moves traffic and sufficient as long as the people in front of you know understand. David: Yeah, I actually heard a podcast with the mayor of Carmel, because something like Carmel accounts for more than 50% of all the roundabouts in the US. It's a crazy number. And he was talking about all the benefits and he said the only drawback. He said there's a few times during the day, like peak traffic times, where it's arguably a little less efficient. But he said the other 23 and a half hours a day it's far more efficient because you never have to wait for a stoplight. And he talked to me have you ever been driving in the middle of the night and you come up to a stoplight and there's no traffic within a mile any direction? But technically you're supposed to wait for the lights to turn. Jerry: That is correct technically. David: Technically correct, I find. If it's three o'clock in the morning, I ask myself have I had any drinks this evening? And if I have, then I'm going to wait for the lights to turn. If I hadn't had any drinks that night, then how much trouble can I get into? Jerry: That is exactly right. I do the same thing. I'm like, well, there's nobody anywhere, you sit there and it feels like it's been 10 minutes, probably been a couple. But I'm like, really, why am I sitting here to stoplight? David: I know so are you a native of Indiana? Jerry: I am. I was actually born in Hoopston, illinois, but we grew up in a western city in Indiana, so almost to the border. But I've grown up as a Hoosier most of my life, okay. David: Nice Bye, folks, and fun Bye. Get into your business. So the name of the company resonated with me immediately because there's a character in one of my all-time favorite books by the name of John Galt and there's a famous phrase from the book called who is John Galt? Now, is this just coincidence, this JGalt, or is there any connection? Jerry: Well, I'm glad that you brought that up because it doesn't stand for Jerry Galt, I can tell you that. So we couldn't use John Galt because it's obviously patent and has a huge following. But it is off the premise of the book Atlas Shrugged by Anne Rand. So who is John Galt? The whole story of the government takeover, small business and controls and regulations and all of that and that fish, you know book that was written by a Russian immigrant that understood communism, came over. She saw it in the 1940s and she said what is going on? I'm saying the same stuff right here. So she wrote that fictional book in the 50s, as you know. But it's kind of a big deal and it's coming out and there's a big following and people get it. But yeah, you're exactly right, it is John Galt. David: So it's probably actually not a bad filtering process, because I find that there's three types of people in the world. There's people who've read Atlas Shrugged and think it's one of the greatest artistic works of all time. There's folks who've read it and think she's the devil and it's the worst thing ever written. And then there's folks who've never heard of it. So I find that people tend to follow one of three camps. There's not many people that are like yeah, I think I read it, I think I vaguely remember something about it. So it's probably a good self-selection process, right? Because the people who read it and think it's the most evil book ever written probably aren't the mindset of your ideal customer. Jerry: I'm guessing it's pretty close right, but it's surprising on how many people know, even myself. As we name the company, you know your particular activation system in your head, just like when we buy a car. Right then, after we buy a car, you start driving around like man. Look at all the people that bought the car I have this is great following my lead. Now, they were already there. I see who is John Galt stickers on the back of bumpers and on the back of their windshield. I've just it blows me away. But you're exactly right. Most of the entrepreneurs, because we are working only with main street business owners. Okay, small and medium-sized companies, not the wall street companies. So those are the people we're serving and most of them all of us that own businesses and have done that get the challenges and the works and we're just trying to do the best we can to serve the communities and then build a profitable and a great company with our services or products. David: Sure no, I like it. So her book, the Fountainhead, I have a slight preference for, like I mean they're my two favorite books, you know fictional books ever written, for sure. But I have a slight preference for the Fountainhead but only because the individualistic aspect. I assume you've read the Fountainhead too yes the individualistic aspect of the Fountainhead just resonates a little more. There's a great line in there where work has to sell an architectural commission to a committee and the committee all wanted to make changes to it and his sponsors, like they're minor, go for it. As you, you know, recall, he like can't do it. But he had a great line in there where he was talking, I think, to his, his buddy, his Irish construction buddy, explaining why he didn't get it and he said you know, I've never sold a project to a committee and that really resonated because that's how I've always been in my career. It's like you know, if I meet the entrepreneur and I have a conversation and it's a fit, good things happen. But when it's a committee, I don't seem to have much, much luck. Jerry: I'm glad you brought up this. One of my favorite things and that's when I you know it's amazing, it's. I agree with you. Both those books are in my top favorite fictional books ever written. But I think there's a lot of great content, especially for the entrepreneur, of what you have to do. I mean, if you're not a disruptor, if you kind of stay under a ceiling and you're like, hey, I'm not going to change where you work, I don't know what your thoughts are, but I kind of say that if you're an entrepreneur, a successful entrepreneur, normally you're kind of a freak. Right, you're looked at as a freak in the industry and I think that's well put on the committee. I'm not here to appease the committees, I'm here to disrupt the industry on how Main Street and business owners will get funding, not just through how the traditional style is. So that's not our company. So I think the whole Atlas shrugged and Fountainhead there, even though they're fictional books, there's a lot of great content and, I think, some kind of rules of engagement for the entrepreneur. David: Yeah, I was just before this. I had a call with a colleague and he really had very little familiarity with Ann Rahn's work and early heard of it, so he had just bought the audible for Fountainhead. So I'd recommend you start with Fountainhead, so we'll see how that goes. Jerry: That's excellent. David: So talk to me. So what are you guys doing to help those you know privately held, closely held you call them Main Street businesses. You know what's kind of your sweet spot, revenue wise? I get it's probably a broad one, but like for us, like 90% of our clients have revenues between 10 million and 100 million like what's your sort of sweet spot where most of your clients fall in? Jerry: I'd say 250,000 to 450 million a year. David: What if you had to narrow it down a little bit? Go ahead. Jerry: Your sweet spot today, david, is probably somewhere in that. I'm going to say 10 to 25 million is our sweet spot. You get to the 100 and 250 million dollar companies. They do have a lot of cash flow and they've got profits and they've got, you know, banks that give them lines of credit even though they're personally guaranteed. So it's a little harder to get in the door. But we're getting in the door with those now and they're seeing what's going on. But our sweet spot today would be that 10 to 25 million. David: Okay, that is helpful. And the reason I narrowed you down here is because our audience who CPAs and attorneys who have clients, when you say 250,000 to 450 million, it doesn't quite resonate. When you say 10 to 25, now all of a sudden they can think of their clients, or in the 10 to 25 range. So talk to me and you kind of touched on it talk to me about this whole personal guarantee thing and there's probably, I'm guessing, some history behind it. So what's the story? And talk to me about this personal guarantee thing. Jerry: Yeah. So when we say we're disruptors and I just want to make sure that your audience understands you know the 250 to 450. When you look at your EIN that tax number that you get from the IRS that's just like your SSN to building personal credit. Your EIN can build company credit. Your company has its own credit score and its own report and so does your personal social security number. So when you give that broad scope just for your audience, you get someone that's just starting out with a startup or they're cranking out 20,000 a month. It just gets hard to try to get funding without why bank revenue statements, tax returns, business plans, revenue looking at your personal credit just to try to get the operating budget to be able to run your company and then to grow and scale and seize opportunities to grow and scale, because we all know as entrepreneurs that when you have an opportunity in front of it, it's not like you can plan and then just hit exactly when it happens. When you need to seize an opportunity, you don't have 60 to 90 days to qualify for it. So we look at what Jay Galt's main premise is and our advantage and really how we impact that entrepreneur in the world is what we do is we focus on the EIN and to build credit on that. It's actually very simple. Has nothing to do with revenue, has nothing to do with what your financials, your tax returns or how long you've been in business. It's just about taking that tax number and making it fundable so you can get access to corporate vending and lending, and your rates are typically 0 to 5%. I mean, we're getting people vehicle and equipment loans at 1.9%. Corporate credit cards are 0% on three to 12 month terms, right, not just on balance transfers. So that's the power. That's how your Wal-Mart's and Googles and Amazons and your Apples of the world are able to do what you and I, david, have no problem with paying interest, as long as it's a positive arbitrage. What we can't do is pay 30% to 50% in interest when we're only making 25% to 35% in money. So how you flip the script is you got to get access and get your company fundable so you can get access to banks' monies to leverage that at better rates in terms, so you can grow in scale without going into what Debt risk or paying too much in interest where it's not a profitable proposition. We see that every day and I know you do, david, right. People get in these small little bridge loans and if they don't get them paid off they'll come out or close on your mortgage. David: And then the other aspect of it then is when the underwriting is done on the company's EIN, there's less of a need for personal guarantee right, because they're under the business Right Typically that doesn't even come into play your credit score, your personal inquiries or what your credit score looks like. Jerry: That has nothing to do with building company credit is vanilla. It doesn't matter if you're a man or a woman, you're a Democrat or Republican, what your religion is, because it's a tax number. There's no bias on that number. Where that can come into play on your personal credit, right when you walk into a bank. But it doesn't have that when you're looking at a company's index, because a company is not a man or a woman or a Democrat or Republican or a certain type of it. It's where your Social Security is tied to an individual. Your EIN, that tax number, is tied to the company. David: Okay, Well, that sounds good and is the motivation for your customers trying to get rid of the personal guarantee or trying to get better interest rates on borrowing. Jerry: Most of the time they get tired of the personal guarantee business. Right, you're married, you're watched like you're not putting the house on the line, right, exactly so if you want money, they always have you check a box and do a little initial where, hey, we're going to give you the money because we believe in you and you believe in your business. We just need you to check the box and this is just a what. This is just a normality. But if something would happen we know that's going to happen. If something would happen, you understand the banks right. Since we're giving you money is we'll have access to your 401ks, your kids college funds, your second home, your cars, your current home, your family's living underneath. That's just a technicality. So a lot of them want to get out of the personal guarantee business or they don't grow in scale because they don't want to risk tying up their personal assets to leverage to their company's funding. So that's the first thing. But getting corporate capital on your EIN, you're going to get 10, 20, 30, a hundred times the amount of money on your company. Then you're ever going to get on your SSN because you're only going to stretch that personal credit bubble so far, because then they're looking at underwriting risk on you personally. They look at the company's revenue, but the company has nothing to do with it. If you don't have a corporate credit. They're always going to look at your EIN first, but there's usually nothing there, so they always revert what Back to revenue bank statements, underwriting risk, ar balances, invoicing. So there's a lot that goes into that. So you can see how complex that gets and how it can. What limit you on getting and seizing opportunities and then, more importantly, getting better rates in terms of run the operation, so you can leverage the bank's money because, david, you and I get this right. I'd rather use the bank's money than my money. I'd rather take my money and put it in vehicles that does what with my money. David: No, that really makes a lot of sense. So what's the disruption you're doing is basically bringing this Wall Street credit access to Main Street businesses. Is that? Jerry: education Right. First thing we do is I was asking an owner. I said, hey, what's your personal credit score? And they always answer right, 720. What's your company's credit score? What do you think I get most of the time? David: Right, no idea what are you talking about. Jerry: Right. So we have a seven step blueprint, but we're all about education. We're not here to sell anything, we're here to serve. So, just like in the whole Atlas Shrug with J Galt, john Galt, right, we're here to serve and connect with people and give them education on things that they don't know. It's not the CPAs or the accounting firms fall. It's not the bankers, it's not the tax attorneys. That's not their job of what they do. What J Galt does is we do the same thing. People understand personal credit. They just don't understand company credit and how easy it is to get there. There's just a secret set of rules. So our job is to educate you on the seven step blueprint of how you can get your company fundable, so you, as the owner, can survive storms. Right, you don't have to worry about the four things that can take the legs out of a business economy. You and I do. We have control over economy, david. Nope, how about inflation? Nope, does that impact us? Sure, sure it does. How about a government regulation? David: No control, almost no control, I mean in theory. If you're part of a lobbying group, you know you might fit very little. And what's the fourth one? Jerry: Yeah, but then you're going to have to have some capital to have some of these lobbyists for it, right, they're not free, sure. And then the second thing is just a you ever. I don't know if you've ever experienced one of these at all, david, but you ever heard of a pandemic? David: I think I have. I think we had one of those like a hundred years ago. I heard about it 1918, I think we had one. Yeah, I think it was, if we had anything close. Jerry: I know you and I have never experienced one of those lately right. But, even on that it's a cripple of business. Some it's a lot of businesses actually did a really great job. Sure, a lot that it really affected there's over. You know, 60% of businesses haven't even made it back to pre-pandemic revenues today because they raise the prices, inflation's there. I mean you've got a lot of things going against you. So how do you survive that and how do you get through those things? How do you prepare for the storms and survive the storms? And it's really about if it makes sense for the business on you moving forward and getting to the goals or solving the challenges, but it's really about getting fundability on your company. That's the answer to that question or challenge. It's the most vexing problem with small and medium-sized businesses today is getting cash blow. David: Okay. So I love stories. I think they educate well. Do you have a story or two of, like, a client of yours that you could talk about anonymously and maybe kind of set up what their scenario was before they met you? What's their scenario like now that you can be mined? Jerry: Yes, we have a guy that's in the contracting business out of North Carolina. We'll call him Randy, okay, but he came to us and we actually approached him and we had a conversation. But he's been in business for almost eight years doing well, has access to his local Chevy dealer, his local bank, where he deposits his money, and his credit score wasn't bad. He said, oh, I know how to do this. I have a Dun and Bradstreet number, right, that's the largest credit bureau, like TransUnion is on our consumer side, Dun and Bradstreet is on the business credit side because there's business credit reporting agencies and there's personal credit reporting agencies, right? Well, personal credit reporting agencies nothing to do with your company. It's the business credit reporting agencies to have everything to do with your company. So that's another tip that I'll give your viewers out there and listeners today. Right, Okay, so, but with Randy as we were having the conversation, with Randy as we were having the conversation, David, he understood it, but he really didn't, because where he was going and putting his deposits in, he just thought this the way it was and he actually was doing pretty well. He had a credit line recommendation about 67,000 on his company. We ran his company credit report After four months and just getting his EIN fundable the same Chevy dealer that he's been buying his vehicles for the last eight years. He's been getting anywhere between a nine and 15% rate. Wow, After four months, with Jay Galdin focusing on his company EIN that tax number he would walk into the same Chevy dealer and got his lowest vehicle right About a $51,000 van for 1.9% interest rate. Wow, and that's impactful. He looked at me and he goes Jerry, I can buy five of these vans now instead of just one at a time, right, Because that interest rate is so impactful. So it's just about he's still going to pay interest, but 9% or 1 or 2%, which one's better for a company, right? So that's one success story. And that was just after four months of it's all intentional work. It doesn't take a lot, by the way, just so if you're asking. It only takes two to three hours a month to do this. I didn't say a day or a week per month, but it's like going to the gym, David. I mean, you're a healthy guy, right? You can sign up for a membership just because we're paying for a membership to the gym. Do we get six pack abs and do we get a healthy heart just because we pay a membership for a gym? David: Unfortunately not. Jerry: Or is there a thing you just take three pills a day and you can get physically healthy there? David: you go, that's what I'm looking for. Yeah, that's what we're selling today. Jerry: We're living an immediate gratification world, right, we want food today. We got DoorDash. We want same day shipping. We want our stuff today, and that's the world we live in. But to get access to that it does take the hustle and muscle. It doesn't take a lot, but you're going to have to do the work. It's just like taking a walk every day for 30 minutes is so good for our health and our heart and it's hard for us to find time to schedule it. But just like this, you have to put in the work if you're going to get your company f*****g and funded right. So that's one story. Second story is we have a real estate investor guy down in Texas and he's been in business for over 20 years. I mean he's a Texan, I mean you know Texas, I mean it's the Republic of Texas, I mean it's his own country. I mean you know what I'm saying there, right? I do, I do. I know you have some clients down there as well. So when I look at Texas, this guy had really a big ego, been doing a great job, very successful. He has over 105 properties, okay. So he's a big deal, okay. I'm not going to mention his revenue because some of my taggamer I was just saying, here he is. So he came to us and he couldn't get funded and he thought our program was full of it. Right, he says this is just sounds too good to be true. I don't. I've been doing this. I've got bankers, I've got a fractional CFO, I've got this figured out. I don't see your help. So then we got into asking about personal credit and company credit as company's credit score and he thought he had a good company credit score. So we ran the report, went through it. Here's the thing he had some blemishes, but here was the big problem on fundability. He'd been in business for 20 years and moved to a lot of different locations and it filled out a lot of paperwork. We're all busy. When you're an entrepreneur and you've got a hundred and over a hundred properties, I mean you're busy. Sure, you've got a lot of stuff going on. So he would have filled out the Dunn and Bradstreet and he put WM period with the secretary of state. He was listed as William. Well, you and I know that WM, period and William mean the same thing as humans, right, right, your cross references WM period and William. What does it say? A mismatch and it's an automatic decline. He also didn't have his phone number. Listen to this, folks your phone number can't be a cell phone number. It has to be a landline or a VoIP service. Now, the VoIPs can be what. It can be transferred to your cell phone number David, let me ask you a question When's the last time you use 411 or your area code in 5551212 to look up a business number 30 years, do you know? If your business landline or void number is not registered with 411 National Directory, it's an automatic decline for corporate funding. David: I did not know that. Jerry: So that's another secret rule. So this is some education that David and I are providing to just things like that Having a website or landing page, having a corporate email address. Your number has to be listed. You have to have a business bank account. There's just a little thing. And why is that, folks? Over 80% of small businesses fail in the first five years because of cashflow. Well, if you don't look like a real company, you don't have a phone number, you don't have the business bank account, merchant services, you don't have a corporate email it's a PO box. You can't use a PO box. Well, I have a UPS store, david. It's a fancy PO box. It's still a place where you don't live and they can't access you. So a home address can be used, even though I don't recommend it, because now they'll know where your family lives and lives the whole entire world. But you can do things and get systems and processes put in place. It's all about fundability. On the company, no different than you are personally, it's just a lot easier to get personal credit because there's over 4 million people using it to finance their lifestyle. However, on businesses, they tell us that we can be protected from lawsuits as a limited liability corporation and we'll get funding. Here's the only problem. We never signed up for the credit bureaus that report our business payments so we can build fundability with the corporate vendors and vendors, right? No one told us that. So when you go to deposit your money in the bank, david, what happens? They try to get you money. They look at you and they just said, hey, here's a business credit card, we can get you a line of credit, but we just need you to do what with it personally. Gary, you got to get it fundable and you got to find lenders and vendors that report. And this Texan okay that once we got his name right, got his phone number listed and he had a couple of blemishes that he wasn't aware of we were able to get him all of these commercial real estate loans with no guarantors, not leveraging his other properties. He was able to get corporate millions of dollars in corporate in less than a year, all on his company now, which is a couple of fundability rules and a couple of secrets that he wasn't available on how to turn his company in standing on his own two legs financially just by the fundability rules, the corporate credit bureaus and using vendors to report in the lining up so he can get access to the same things he was doing now, but he was personally guaranteeing everything leveraging his other properties or his name to continue to grow his real estate company. David: Yeah, and I imagine does that also mean that in theory, if he wanted to, if each project if he wanted to have as a separate entity, he could avoid that cross collateralization issue. Yes, because that's the other problem I understand there is that all 105 of those properties are all cross collateralized. So if he has one project that somehow just goes belly up or property that it risks the other 104 properties Correct. Jerry: And if you get it on your company, then it doesn't put that into play, because when you're using personal credit, they're always going to leverage those. Because you are, you're putting those other properties as a the guarantee against the loan for that new property. If it does go belly up or doesn't do as well as you thought, that happens, right. When you're in real estate, I mean, most time you have wins but there are losses. You don't have to put your other properties in jeopardy. Do those things on corporate credit. It's no different than if you guys remember Donald Trump, right? He opened up that huge casino, used $3 billion of the bank's money and then after two years it failed. I don't think Donald Trump wants anything to fail. He doesn't invest in things that are going to fail Just didn't work out because of economy, location and where the world was at the time. Well, he was able to walk away from that. Did it affect his personal credit? Nope. Did he have to give up any of his personal assets in that deal? I doubt it. No. Two weeks later, he bought a golf resort in Doral, florida, right, sure? So, without affecting anything with that. So that's the power of corporations. No different than I'll tell you another story. Remember Home Depot and Lowe's and LA Fitness? Right, those are all Wall Street corporations, right? Stock L's stock owned, and all of that During the pandemic. They were able to be open. You can only have 50 people in the store right, they were able to do that. But what about the local hardware guy in town? They had to be shut down. The local mom and pop fitness place? They had to be shut down. So there's a difference and that's why we talk about this. Jay Galt, we're here to give the power and advantage back to the main street business owners by building fundability so their corporation has the cash flow, the access because this is all about getting ready access, cash and capital for you to take on those storms, to survive those storms and to grow and scale. Walmart, sam Walton, would not have been the world's largest retailer if he didn't figure out corporate credit. He would still be in Benton, arkansas if that was the case. So now, obviously, then he went stock, went public as an IPO, so that made it a moral difference for him to get there. But he would have never got to that position if he wasn't able to scale that. Take advantage of the back in the 80s. Remember when he took down Kmart? Right, but it was through cash capital, corporate funding that allowed him to do the advertising and get belly up and take on the big giant. Now he's the big giant. So just consider that that just because you're labeled a small business owner doesn't mean you have to be small. What if you wanted to franchise? What if you wanted to grow and scale? What if you wanted to buy your own property and land and build your own manufacturing facility, get bigger into the corporate real estate market, be a truck driver and become a regional or national player? If those are things that you want to do and you just have an access, you're having problems accessing cash flow. The secret is building company credit on the tax number, that EIN number and getting out of the personal guarantee in the personal inquiry game. David: No, it makes sense so well. Thank you for those several stories. That illustrates it. So how does Jay Galt come into the picture? What's your role in helping these companies other than education? I'm sure there's more to it than that. How does your service work? Jerry: We're a SaaS company, which stands for Software as a Service. We have a robust platform that has seven-step blueprint inside of it that walks you step by step. But, more importantly, we have a white glove concierge service, kind of a do-it-for-you. But there's certain things you have to do. We can't use your bank lines of credit, your credit cards, and you don't want me to do that in your business, but we help you fix blemishes where to go to fix them. So we provide a coaching service that goes behind the SaaS platform so you're successful in your journey. So imagine getting a dedicated coach. They're not out of the Philippines or India. That's great for customer service. I think All of our credit analysts and our finance analysts. We have a whole back office advising team that helps our members. So we are a membership. There's a one-time fee that you would pay and when you come into that you get lifetime support from Galt through our SaaS product, the Getting Business Credit. So you have access to all of the corporate lenders and vendors that actually report. And our secret sauce is we won't work with your Put-Em-In Our Business Finance Suite unless they report to the credit bureaus. That'll help you for a robot, mobile and credit and if they don't show us the underwriting guidelines, because it's important to know what boxes must be checked before you apply for a loan, because in the corporate vending and lending world, if you get denied, you have to wait six to 12 months before you can reapply and that can really slow down momentum when you try to grow a business. So you don't have. That's not how consumer credit works, but that's how corporate credit works. So we have that. We also help with cash flow management. We really define ourselves as cash flow management experts getting you access and leveraging banks money at better rates and terms, understanding cash flow so you don't get into what expense or debt trouble, and then giving you a business valuation. David, this is the power. 98% of small business owners have never had a business valuation or appraisal done. So they're in the head and heart. They know what their company's worth, but you'll know exactly what it's worth, how to ensure it properly and where to invest your time. You'll get clear, sound facts about your company so you can invest your dollars and your time in the right parts to continue to grow the asset that you're building and properly protecting it, allowing you to do what Plan for an exit strategy and those are typically $10,000 on average. We provide that every year to our members with JGault. So we're really here with our three columns of getting corporate financing, access to lenders and vendors that report, understanding your cash flow management as you grow in scale, and then having your business valuation so you know the value, where to invest in it and to plan and know exactly if you want to sell it, when is the time to restructure, when is the time to sell it or if you're passing it down to one of your kids to run. Eventually you want to make it a generational company. Now you'll have corporate credit belt where they can walk into the seat, you can ride off into your retirement years and know that the corporate funding is going to be there for generations to come. So the legacy you can leave behind by building that company we passed on to generations, your kids, the grandkids and so forth and so on. David: No, it sounds great. So what should people do? Is their next step? If they're interested in learning more, Go to the website. What's kind of your first entry point for potential new customers? Jerry: I would highly recommend that you do that. David, I'm fine with you sharing my for your audience. It depends on how big that audience is my personal but I would go to jgaltio. That's J-G-A-L-T. No period, Just jgaltio and then you can check out our services and what we do and if there's more questions, there's a place where you can connect and have a private consultation if this is something you want to talk more about. David: Okay, that sounds great and that's jgaltio. Jerry: Yes. David: Okay, what is we're wrapping up here? Is there anything? I didn't ask you that you wish I had asked you? Jerry: Wow, that's a great question. You did a great job. I mean, obviously I can understand why you have a successful podcast out there, david. Well, you're too nice. Oh, no worries, I mean, you've been doing this a long time. The only thing that I would share with American entrepreneurs out there today is we're really passionate, and just me as an owner, my goal is not to sell something. I have four companies. The only reason why Cole and my partner and I started jgalt was to serve and educate. But there's more than education. It's all about impact. So if there's something where you're wanting to grow an asset and you want to get there, we're here to have an intelligent conversation, a consultation, if you will, about where you're at, where you're wanting to go, and about 80% you didn't ask this. So does everybody want jgalt? Of course we're going to think everybody needs jgalt right, it's our company. Same thing with yours, david. I'm sure you feel the same way. If you're exporting products, you will find a better guy right Outside the country. So we're really great at what we do. But only about 80% of the companies we talk to every week take advantage of jgalt services, because it's not for everyone. So there are depends on where you're at and what you're trying to accomplish. That's why we're kind of looking at ourselves as the doctors of business credit. It doesn't make sense for everyone. It may not make sense today, or it may not make sense at all If you're just have a side hustle or something in your house that you're just doing is just to make some additional income to pay off debt or something like that. We're truly looking at companies that are looking to grow and scale and really be disruptors, like us, in the product or the services that they're offering across the United States. David: Well, thank you for adding to that. So, as we wrap up, that's Jerry Vaughn with jgaltio Jerry, this has really been fun and I think there's a lot of great value that your company provides for small to medium size privately held companies. So I really appreciate you taking time to come on the show and share some information. Jerry: Yeah, you're very welcome. It was a pleasure to be on it, david, so thank you so much again for having me on my pleasure.

In this episode, the dads preview Week 8 of the 2023 NFL season. Listen for picks, predictions, and discussion surrounding this week's games. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Bucket Boy Neil, Joe Ham, Riley the Murse, and fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @matthewjames78 @_kmart9 @hazmatsuit23 @BigNellyBuckets @joe_knows___ @RileyEnglish04 @fattbillsfan

WCCO's Al Schoch is on the scene and reported live with Vineeta Sawkar and Steve Simpson on WCCO's Morning News. 

A fire broke out early Friday morning in the former Kmart building on Lake Street in Minneapolis. Minnesota public defenders are banding together against a challenge to voting rights. This is an MPR News morning update, hosted by Cathy Wurzer. Music by Gary Meister.

With Tom off for the day, Brittany, Tevin, and AJ conduct a little in-studio competition to see who can bring the best story to the table. In the first hour, SKOR North's Phil Mackey tells the story about the time he almost burnt down his townhome and talks about being a "Day 1" Colorado Buffaloes supporter, and KSTP's Chris Egert has the latest on the fire this morning that happened at the K-Mart on Lake St. Hour #2 has Bob Sansevere on the Wild's 7-3 loss to the Kings last night and he discusses his viewing of "Killers of the Flower Moon" and former NFL player JJ Moses joins the show to talk about his new book, "Focused: The Prepared to Win Mindset" In hour #3 Tim Lammers shares his review of the new Martin Scorsese blockbuster "Killers of the Flower Moon" while he shows off all the animals in the Lammers Ark, and Kristyn Burtt discusses how SAG members may have limited Halloween costumes due to legal reasons and how Taylor Swift is revolutionizing the movie release structure.  Stream the show LIVE on the Tom Barnard Show app M-F from 8-12PM or get the show on-demand on Apple Podcasts, Spotify or wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

With Tom off for the day, Brittany, Tevin, and AJ conduct a little in-studio competition to see who can bring the best story to the table. In the first hour, SKOR North's Phil Mackey tells the story about the time he almost burnt down his townhome and talks about being a "Day 1" Colorado Buffaloes supporter, and KSTP's Chris Egert has the latest on the fire this morning that happened at the K-Mart on Lake St. Hour #2 has Bob Sansevere on the Wild's 7-3 loss to the Kings last night and he discusses his viewing of "Killers of the Flower Moon" and former NFL player JJ Moses joins the show to talk about his new book, "Focused: The Prepared to Win Mindset" In hour #3 Tim Lammers shares his review of the new Martin Scorsese blockbuster "Killers of the Flower Moon" while he shows off all the animals in the Lammers Ark, and Kristyn Burtt discusses how SAG members may have limited Halloween costumes due to legal reasons and how Taylor Swift is revolutionizing the movie release structure.  Stream the show LIVE on the Tom Barnard Show app M-F from 8-12PM or get the show on-demand on Apple Podcasts, Spotify or wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Originally uploaded Oct. 18th For Media Business Episode 60: Tony Conley welcomes back Mr. Patrick L. Anderson founded Anderson Economic Group in 1996 and currently serves as the company's principal and chief executive officer. Anderson Economic Group is one of the most recognized boutique consulting firms in the United States, and has been a consultant for states such as Michigan, Kentucky, North Carolina, Wisconsin and Ohio; the Province of Ontario; manufacturers that include General Motors, Ford, DaimlerChrysler, Honda; retailers such as Meijer and Kmart; telecommunications companies such as SBC and AT&T; utilities like ITC; the University of Michigan, University of Chicago, and other colleges and universities; and franchisees of Anheuser-Busch, Molson, Coors, Miller, Harley-Davidson, Mercedes-Benz, Suzuki, Cadillac, Chevrolet, Ford, Lincoln, and Avis products. Mr. Anderson has written over 100 published works, including the Economics of Business Valuation from Stanford University Press. Five of his articles, “Pocketbook Issues and the Presidency,” “The Value of Private Businesses in the United States,” “Policy Uncertainty and Persistent Unemployment,” “Firm Strategy and Business Location Decisions: Comparing Modern and Traditional Methods,” and “Blue Smoke and Seers: Measuring Latent Demand for Cannabis Products in a Partially Criminalized Market” have earned awards for outstanding writing from the National Association of Business Economics. Mr. Anderson has taken a leading role in several major public policy initiatives in his home state. He was the author of the 1992 Term Limit Amendment to the Michigan Constitution, and the 2006 initiated law that repealed the state's 4-decade-old Single Business Tax. His firm's work resulted in a wage increase for home help workers in 2006, the creation of a Michigan EITC in 2008, and the repeal of the item pricing law in 2011. Before founding Anderson Economic Group, Mr. Anderson was the deputy budget director for the State of Michigan under Governor John Engler, and chief of staff for the Michigan Department of State. Mr. Anderson is a graduate of the University of Michigan, where he earned a Master of Public Policy degree and a Bachelor of Arts degree in political science. He is a member of the National Association for Business Economics and the National Association of Forensic Economists. The Michigan Chamber of Commerce awarded Mr. Anderson its 2006 Leadership Michigan Distinguished Alumni award for his civic and professional accomplishments. The University of Michigan, Ford School of Public Policy awarded him its Neil Staebler Award for civic participation in 2014. This conversation discusses the UAW strike will affect Michigan's and the U.S. economy in the short and long terms. » Visit MBN website: www.michiganbusinessnetwork.com/ » Subscribe to MBN's YouTube: www.youtube.com/channel/UCqNX… » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/ Thank you to Benjamin Robinson and Motor City Skyline's music

With Tom off for the day, Brittany, Tevin, and AJ conduct a little in-studio competition to see who can bring the best story to the table. In the first hour, SKOR North's Phil Mackey tells the story about the time he almost burnt down his townhome and talks about being a "Day 1" Colorado Buffaloes supporter, and KSTP's Chris Egert has the latest on the fire this morning that happened at the K-Mart on Lake St. Hour #2 has Bob Sansevere on the Wild's 7-3 loss to the Kings last night and he discusses his viewing of "Killers of the Flower Moon" and former NFL player JJ Moses joins the show to talk about his new book, "Focused: The Prepared to Win Mindset" In hour #3 Tim Lammers shares his review of the new Martin Scorsese blockbuster "Killers of the Flower Moon" while he shows off all the animals in the Lammers Ark, and Kristyn Burtt discusses how SAG members may have limited Halloween costumes due to legal reasons and how Taylor Swift is revolutionizing the movie release structure.  Stream the show LIVE on the Tom Barnard Show app M-F from 8-12PM or get the show on-demand on Apple Podcasts, Spotify or wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, the dads preview Week 7 of the 2023 NFL season. Listen for picks, predictions, and discussion surrounding this week's games. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Bucket Boy Neil, Joe Ham, Riley the Murse, and fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @matthewjames78 @_kmart9 @hazmatsuit23 @BigNellyBuckets @joe_knows___ @RileyEnglish04 @fattbillsfan

** Originally released 23 February 2022** On this episode, Damo sits down with one of his longtime friends and business partner, Wesley Pinkney. Wesley Pinkney is a retired Navy Chief with a really interesting story. He talks about it all from what made him join the Navy, how he was able to retire in only 13 years, and his inspiration behind the Pizza Restaurant in which he founded and owns; Plank Owner Pizza Bar. The two served at three commands together so they quickly breeze through shipboard shenanigans, wax poetic about getting fired from K-Mart, and how hard it was to go to high school when Bow Wow was running the game. There is so much more in this episode, but of course, they talk pizza! If you enjoyed this episode, please remember to review, like, subscribe, comment, and share.   All social media for the Fan Room: https://linktr.ee/Ptsfpodcast   Links and more from this episode:   Plank Owner Pizza: Instagram - https://instagram.com/plankownerpizza?utm_medium=copy_link Facebook - https://m.facebook.com/plankownerpizza Email (For serious inquiries only) - info@plankownerpizza.com Wesley Pinkney: IG - https://instagram.com/wespink86?utm_medium=copy_link

As plans for a new store to replace the old Super Kmart loom, Aaron reflects on cherished memories and ponders the fate of the "Seagull Zoo." Story created & performed by: Aaron Calafato Senior Audio Engineer: Ken Wendt  Additional vocals: Cori Birce  Art: Pete Whitehead  Original Music: thomas j. duke 

In this episode, the dads preview Week 6 of the 2023 NFL season. Listen for picks, predictions, and discussion surrounding this week's games. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Bucket Boy Neil, Joe Ham, Riley the Murse, and fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @matthewjames78 @_kmart9 @hazmatsuit23 @BigNellyBuckets @joe_knows___ @RileyEnglish04 @fattbillsfan

Mayor Inman returns to the studio to chat about City of Macomb business including the resignation of the previous City Accountant and the appointment of the new Accountant at last night's Council meeting, the Town & Gown 2023 event last week, and the some details about the acquisition of the K-Mart, Pizza Hut, and Marine Bank properties on East Jackson Street. For more information about events and City of Macomb business, visit the City of Macomb Facebook page or cityofmacomb.com.

We make a Garage Logic attempt to understand the slaughter in Israel through the lens of The Mystery. GL'er solves tree inequity issue. Johnny Heidt with guitar news. Heard On The Show: Minneapolis seeks feedback on New Nicollet Development ahead of former Kmart building demolition WRAPUP 9-Israel pulverises Gaza after Hamas attack as it collects its dead Anoka man's pumpkin smashes world weight record Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Crack House Chronicles Donnie and Dale discuss the brutal murder of Karen Lynn Styles. Karen was murdered while going for a run on the Hard Times trail in the Bent Creek area of the Pisgah National Forest on October 31, 1994. Her killer was captured,tried and sentenced after much controversy, https://www.crackhousechronicles.com/ https://linktr.ee/crackhousechronicles https://www.tiktok.com/@crackhousechronicles https://www.facebook.com/crackhousechronicles Check out our MERCH! https://www.teepublic.com/user/crackhousechronicles Sources: https://wpde.com/news/local/court-upholds-death-sentence-for-murder-rape-of-buncombe-county-woman-richard-allen-jackson-karen-styles-pisgah-national-forest-bent-creek-federal-land-crime-of-violence https://truecrimediva.com/the-1994-murder-of-karen-styles/ https://finishedpages.com/true-crime-wednesday-the-murder-of-karen-styles/    

In this episode, the dads preview Week 5 of the 2023 NFL season. Listen for picks, predictions, and discussion surrounding this week's games. Whether you're a total degenerate, or you're just looking for a little action, the Fade U podcast is the sports betting show for the everyday bettor. Podcast contributors include Matthew James, Kmart, Chris Duke, Bucket Boy Neil, Joe Ham, Riley the Murse, and fat Bills fan Jared. Please subscribe to the Fade U Podcast: https://open.spotify.com/show/04kgEw8JPskHlx9lZFbAoM Follow the dads on Twitter: @matthewjames78 @_kmart9 @hazmatsuit23 @BigNellyBuckets @joe_knows___ @RileyEnglish04 @fattbillsfan

Cash flow “machines” is how Mikey Taylor describes his most recent investments. To the non-investors, the numbers seem too good to be true. But Mikey has repeated this system, again and again, to make millions of dollars off of “boring” investments that most investors overlook. What “cash machines” is Mikey referring to, and how do you go from making $800/month to millions of dollars like he did? Mikey has no degree, full-time job, or wealthy parents to hand him an inheritance. At sixteen, Mikey made it his mission to find sponsors for his skateboarding career. What started as a hobby grew into a profession, but Mikey knew it wouldn't last. After searching for some other income to support him when his career finally ended, Mikey conveniently stumbled upon real estate—and the rest is history. Since ending his skateboarding career, Mikey has built a brewery, invested in multiple BIG multifamily deals, and started buying the “cash machine” properties so many investors WISH they could get their hands on. If you want to know the strategy behind these bold moves and how you can go from barely scraping by to financial mastery, like Mikey, this is THE episode to watch.  In This Episode We Cover The “cash machine” real estate investments only few investors will buy What REAL passive income looks like and how to start building your income streams today Starting a brewery from scratch and selling it for an almost unbelievable profit  The “blue ocean” real estate deals many are too scared to touch  Converting Kmarts into self-storage and how much money Mikey makes off of each  How to avoid lifestyle inflation when you start making big bucks (so you can invest the rest!)  And So Much More! Click here to listen to the full episode: https://www.biggerpockets.com/blog/real-estate-818 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Recorded at Spotify Studios LA. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Laura gets dosed and the girls discuss fashion trends that incite rage, how to monetize your feet, the mental warfare of our own brains, the correct way to wear a seatbelt, and so much more. JOIN US FOR OUR FIRST LIVESTREAM September 29th, details on Twitter @twndpodcast Leave a voicemail at 702-900-6446 for Molly & Laura to hear on the show. Share your stories, questions, comments on episodes, moments of discovery, anything you want us to hear! You can also EMAIL the show at twndpodcast@gmail.com - we love hearing from our listeners, so get involved! Follow the podcast on Instagram @twndpodcast Follow Molly on Instagram/TikTok @thisredheadissfw Follow Laura on Instagram/TikTok @whamglamartistry - SPONSORS - Support the show you love so we can keep bringing you episodes! Check out our amazing sponsors: MANSCAPED has the best tools for your family jewels! Experience a close shave without all the unpleasant accidents & help support the show! Go to http://bit.ly/ManscapedTWND and use code TWND to save 20% + Free Shipping on your order! You balls will thank you, and we do too! Get hydrated and STAY hydrated with the amazing taste of LiquidIV with a special deal for my listeners! 15% off when you use code TWND or this link: http://bit.ly/TWNDLIV | #LIVPartner Quinky fantasy-wear? Yes, please! Treat yourself or your partner to something from misterpierre.com and use code TWND to save on your purchase! Surprise your partner (or even yourself) with something very geeky to use in the bedroom! Geeky S*x Toys has everything to fulfilly your fantasy from lightsabers (that feel like RIGHTsabers) to colorful tentacles! Use code TWND10 to save 10% at http://bit.ly/twnd10GEEKY Do you need a new ring light? Want to give something to that cute streamer in your life that is just as adorable as they are? Use my affiliate link and help support this podcast! Shop Kawaii Lighting for all your RGB ring light needs: http://bit.ly/KawaiiTWND #mentalhealth #girltalk #twnd #twndpodcast #manscaped #manscapedpod #sponsored #ad --- Send in a voice message: https://podcasters.spotify.com/pod/show/twnd/message Support this podcast: https://podcasters.spotify.com/pod/show/twnd/support

THIS WEEK: Jax & Brittany discuss their MOST and LEAST favorite contestants on Love Island - Why does Jax drive a golf cart? - The time Brittany got lost in Kmart - What Jax would do if he wasn't a reality star - AND Mamaw's beer cheese is FINALLY coming to California! Check out our great sponsors!!! Kitsch: Get 30% off your beauty essentials at MyKitsch.com/reality Hint: Go to HintWater.com and use code REALITYHITS to get Hint for just $1 a bottle with free shipping, when you order 3 cases! OR Find Hint at Wal-Mart, Target, and Kroger! ZocDoc: Go to Zocdoc.com/reality and download the Zocdoc app for FREE and find and book a top-rated doctor today! KiwiCo: Use code REALITY to get 50% off your first month PLUS free shipping on any crate line at KiwiCo.com Find YOUR new place at Apartments.com - THE place t o find a place!

On this week's Mystery Crate, the Shipping Container discusses Chris Cote's emerging bowling team, how there are too many opinions on 'Barbie,' and comedian Brad Williams stop by to discuss how he is treated by society as a little person. All that, plus the crew watches Billy's dream of a MAS Miami inside of an abandoned K-Mart die. Learn more about your ad choices. Visit megaphone.fm/adchoices