Small Business Loans

Today, Doug Pike interviews CEO of Cardiff Dean Lyulkin about small business loans.

Episode Transcript

Speaker 1 (00:01):
Remember when it was impossible to misplace the TV remote
because you were the TV remote. Remember when music sounded
like this? You remember when social media was truly social?

Speaker 2 (00:17):
Hey John, how's it going today?

Speaker 1 (00:20):
Well, this show is all about you. This is fifty
plus with Doug Pike. Helpful information on your finances, good health,
and what to do for fun. Fifty plus brought to
you by the UT Health Houston Institute on Aging, Informed
Decisions for a healthier, happier life. And now fifty plus

(00:44):
with Doug Pike.

Speaker 2 (00:46):
All right, here we go. Wednesday edition of the program
starts right now. Land of the Free, Home of the
Fiber Supplements. I guess I don't know. Before I get
to anything else that I'll either tell you or remind
you that Iran notorious for negotiating right to the last minute,
which every other world leader already knows. Magically, Iran agreed

(01:10):
to a two week ceasefire with President Trump in exchange
for opening the Straight of Horn moves. And they they
laid out ten demands. This is a country that's had
its military beaten up, its bridget one big bridge taken out.
They were on the verge of getting their air force

(01:31):
has decimated their navy is decimated, and they're demanding ten things,
about six of which I don't know. If it were me,
I wouldn't agree to him. We'll see how President Trump
handles this. He knows quite well that Iran's leaders can't
be trusted. That's been the same way for fifty sixty
years or more. And I'm confident that he's entirely ready

(01:55):
to pivot and make good on his threats to take
out more stuff if they don't don't agree soon to
an unconditional surrender. He's he's bending a little, but he's
not breaking and talking to them at least negotiating about
sanctions and tariffs and whatnot. But they need to be
reminded however it has to be done. Who's going to

(02:19):
be in charge of how this thing ends. What impresses
me greatly about our president is that he's able to
juggle a dozen situations and issues all at once. He's
dealing with a war, a major war over there, illegal immigration,
he's dealing with birthright citizenship. He's got our economy moving

(02:40):
in a good direction after President Biden derailed it for
four years with horrific mandates on everything from air conditioners
to coffee pots. He's bringing manufacturing back to our country
as well, with hundreds of billions of dollars committed by
some of the world's biggest corporations. All that is happening
that in about I don't know, five hundred other things

(03:03):
that I like overall, And still it's still the left.
All they can do is just cry out for his
impeachment at this point. They can't pick at his record
because it's pretty darn good overall. Been lying about him
for more than a decade, though, and they're good at it.
And unfortunately for the left, the most real Americans are

(03:24):
seeing through the lies and now realizing that this one man,
the one that the left hates so much that they're
willing to sell our country down the river to get
him out of office. They're willing to turn their backs
on hundreds of billions of dollars in fraud during the
past administration. They'd rather destroy the country than cast a
single vote for something that they know would help Americans.

(03:45):
But they won't do that because it would help the
object of their hatred fixation, which is President Trump. The
entire platform going into the midterms, the entire platform, Anything
and everything they do will not solve any of our problems.
It'll just bash President Trump, and that's their plan. But

(04:06):
it's not gonna work because there's too much in the
way of that. There's too much to counter that that's
been handed to Republicans on a silver platter that started
with that State of the Union mistake. The left maid
what a all they'll do is just bash the president,

(04:26):
and that's not an election platform. That's just surrender. They
have nothing good to say about themselves, so they just
keep bashing him. If they try to impeach him, that's
never going to get done. And if they try the
twenty fifth Amendment, which by the way, nobody considered at
all for a very clearly impaired President Biden, that would
also fail miserably. The ones who are impaired nonefit are

(04:47):
the Democrats who can't see that our president, despite everything
they're doing to throw hurdles up in front of him,
he's doing a pretty dog on good job of protecting
our country. If you think that we could have let
Iran develop nuclear weapons and that that wouldn't be a
threat to us, that's your your dreaming, and it's gonna

(05:08):
be a really bad dream if that comes around. At
some point, Man, he's doing a good job. They just
they just don't like him because old Democrats told the
young ones to dislike him, and good little socialist sheep
they are. They took their anti Trump pills every night
and woke up hating them all the more. Enough of
that for a while. Quick look at the weather. How

(05:29):
much time do I have? Will two? What a guess
at two thirty? Okay, I can do that. Slight chance
of rain over the next several days, then a little
more of a chance over the weekend, then a little
bit more kind of the middle of the next week,
hopefully not on the day that I and three others
from here are going to be participating in Rod Ryan's

(05:50):
golf tournament out at I'm pretty sure it's over at
the Wildcat. I can't be one hundred percent sure yet,
but I'm pretty sure of that.

Speaker 3 (05:58):
Uh.

Speaker 2 (05:59):
Market on the good side went all green with the
ceasefire announcement. Oil shed about seventeen dollars a barrel already today.
It's still twenty dollars or so north of where it
should be, but it's moving in the right direction on
this news. Now, bear in mind, this ceasefire is only
good for two weeks, and if we can't, if we

(06:20):
can't get things sorted out between now and then, I
got a hunch that Iran's not gonna like what happens
if they don't, if they don't settle in and cut
a really hard deal. One of the things that we're
in there, that was in their list of ten things
that we just had to give them is the opportunity
to enrich uranium. Uranium, excuse me, that's got to be

(06:43):
off the table. There was something, oh that they get
full in complete control of the straight of horror moves.
That's got to come off the table. They can't be
trusted to do that. They'll just start blowing up ships again.
All right, that's enough of this. Will, I'm gonna give
you one of these off the I found a new
sheet of puns. Do I have fifteen seconds or so?
Can you give me that? Okay, we'll start with this one.

(07:05):
Will the umbrella inventor was going to call it umbrella,
but he hesitated one. All right, let me put a
one by this. I actually told another one to Courtney
out there in the in the room, the big room
on the other side here, And I'm not going to

(07:26):
tell you which one it was. It just at some
point I'm going to work it into the show. She
gave it a three, and I'm curious. I think you
may actually give this one more than a three, perhaps
a four. Moving out to the break, let me tell
you again about the NRA's annual meeting and expo and
convention and all that April seventeenth through the nineteenth. That
would be next weekend, by the way, at the GRB

(07:49):
Downtown George R. Brown Conventioned Center. Fourteen acres of the
latest guns and gear, thousands of different guns, full product
lines from all the major Manu factors. You will find
nothing like this anywhere on the planet, and it's going
to be right here in Houston. Three day pass is
just thirty five bucks. Admissions free for NRA members and

(08:11):
their family. Big jam pack schedule of events all weekend long.
There's a concert, educational seminars, receptions. Sunday is Youth Day.
Bring your youths out there. I don't like that word,
bring your children out there. That's what they are. If
you're a Second Amendment person, you need to be there
and see what's going on. Freedom Field Weekend for the

(08:32):
whole family. Get your tickets now at nrax boat dot
com nrxpo dot com.

Speaker 1 (08:38):
Now they sure don't make them like they used to.
That's why every few months we wash them, check us
fluids and spring on a fresh code O wax. This
is fifty plus with Doug Pike back.

Speaker 2 (08:50):
At fifty plus. Thanks for listening. I missed that button twice.
Will you see that? What is that? Maybe like fourteen
inches from my face? Just a nice easy arm extension.
Had I anchored my wrist and pushed the button, it
probably would have worked on the first try. But I
was just trying to go rogue and just freestyle it

(09:11):
all the way in. Oh, well, let's get back to it.
And well, I mentioned something about the left being socialist sheep,
and I'll speak about one of their own, Alexandria Ocasio Cortes,
who stuck her head out the window of the looney
wagon this week and called on our military to disobey

(09:35):
what she calls illegal orders having to do with this
war we're waging. In her on, she said, and I quote,
it's time for House Republicans to put patriotic duty over
party loyalty and join Democrats in stopping this madness. End quote.
Which is nothing but just another page from the playbook

(09:59):
they've used for years, which is titled, so long as
you're pointing at somebody else, Nobody's looking at you. End quote.
In her statement, she accused Republicans of doing exactly what
the Democrats are doing right now. They're ignoring, they're ignoring
this country and its citizens, the country they swore to
defend and protect, and focusing on nothing more than their

(10:23):
own socialist ideologies. And that's got to at some point
that what we're not facing is some other issues that
we're going to have to address really quickly. That the
people who are are putting their efforts together to take
over this country are just they laugh and smile every

(10:43):
time the Democrats and Republicans argue with each other, because
that just lets them get another foot, a little little
farther into the door. Nobody's looking at them. Everybody's pointing
at somebody else, and nobody's looking at them. And that's
going to be an issue too. From the never ending
Book of Fraud within federal programs, the Justice Department is

(11:05):
said to be investigating more than eight thousand fraud cases
at present, said to represent roughly a trillion dollars in
tax money potentially, and this is the real kicker, potentially
being stolen every year for who knows how many years.
The new ag Todd Blanche, filling in behind Pam Bondi,

(11:28):
said that only a handful of the cases under investigation
recently ended, well more than a handful ended with guilty please,
from people who plucked more than a half a billion
dollars from this country's purse. And he said, this is
only the fraction of what's making bad people rich and
good people poor. For example, just this week, for example,

(11:50):
it's only Tuesday, criminal defendant was sentenced. It was Tuesday
when this was written, this little piece I looked at.
I'm gonna read from it. On Tuesday, the criminal defendant
was sentenced in the department, obtained two additional guilty pleas
and in matters totaling over half a billion dollars in
health care and COVID fraud. If you think about that,

(12:13):
just since I guess it'll be Monday, they had a
guilty plea and one hundred and sixty million dollar health
care enrollment frauds game, a sentencing in one hundred million
dollar COVID nineteen fraud case, and another guilty plea in
another one hundred and sixty million dollar health care frauds game.
And they're just getting started. They're just getting started. That's

(12:36):
the frightening point. There are so many pages to turn
back to get to where all of this started up.
And I got a hunch that some of the people
who are trying to distract attention away from all of
that are in positions that are gonna well, I don't know.

(12:57):
They won't stun me when it comes out who's actually
behind all this stuff. It won't stun me at all.
I have an idea where it all comes from. We'll
find out from Let's see, let's hold this one for
a minute. We've lost our minds desk comes word from
all the way up in Albany, New York, capital of

(13:18):
the state of New York, where it's warming up. This spring,
a girls' high school track team asked the coaching staff
if it would be okay if, instead of the clunky
T shirts and sweatshirts they were wearing through winter, they
could maybe go back to wearing sports bras instead of
that when they did their outdoor workouts. The administration's answer

(13:43):
was a big, fat no, noting This just really ticks
me off. They said that the sports bras would be
a distraction to the male coaches. That's pretty creepy from
from right up front. That is really creepy. And when
some of the girls showed up in sports bras anyway,

(14:03):
because it's hot outside up there now, they were suspended
from the team. The girls argued that the boys track team, now,
it's okay for the boys. They're out there working out,
no shirts at all, all that bear skin apparently not
bothering or distracting or attracting anyone. Seems to me that

(14:24):
if the male coaches of the girls track team can't
focus on their athletes and not their attributes, then maybe
they should get new coaches. And my gut tells me
that it was the decision makers who were being distracted
by all this and not the coaches. I want to

(14:45):
think that most high school coaches are there to help
their athletes develop and become better athletes, not to be
distracted in any way. But there was somebody, somebody who
made the decision, and probably not a coach, was the
one harping that the coaches would be distracted. That's my

(15:06):
gut feeling, But you will you think so two minutes. Okay,
I can do that. Moving into a little higher education
from the Texas Scorecard, undercover group called Accuracy and Media
has released video that appears to show a University of
North Texas staffer talking about how that school is working
around state law which was passed three years ago that

(15:27):
prohibits DEI education. This staffer told the undercover reporter that
DEI key phrases have been removed from course titles, but
that DEI is quote definitely still a focus end quote
at that university. Then she continued to say that they

(15:47):
all up there are perfectly aware of the laws against
teaching DEI, but they can quote still kind of get
around it end quote. That's who's educating your children at
the college level. And it's not a whole lot better, honestly,
a lot of it at the lower levels of high
schools and middle schools and even elementary schools, where there's

(16:10):
some pretty nasty stuff in the books on the shelves.
I don't know how we went there or got there,
but we're there. Oh by the speaking of depravity and decadence,
courtesy of Fox News, the great fraud heavy city of
Minneapolis is considering the legalization of public bathhouses where consulting
consenting adults them too, can do anything they want to

(16:33):
each other whenever they want consensually. Of course, it's not
like they're talking about marrying nine year olds or anything
like that. This is being pushed by the Safe Sex,
Safe Sex Spaces Coalition, which argues that the prohibition of
these places back in nineteen eighty eight forced people quote
into unsafe and inaccessible spaces end quote. Couldn't they just

(16:56):
go to each other's homes to do all that? What
happens behind stores in the house, I don't care. It's
as long as it's it's everybody's in favor of it,
that's fine. Uh. Just I don't think we really need
those in big cities or small towns or anywhere else.
A matter of fact. Gallery furniture z Cliner sleep chairs

(17:16):
adjustable to suit everybody type and comfort goal. Hmm, I
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it's a heated massage chair. It's whatever you want it
to be for the ultimate soothing experience. And every z
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case you need that for any reason. You need help

(17:38):
getting up. It'll stand you right up, very slowly. It's
not going to throw you across the room. It'll just
stand you right up, and then when you're ready, you
can lean back in it and let it put you
right back where you were. This is a high tech relaxation.
Bottom line. You can get it today at any gallery
Furniture location. Z Cliner sleep Chairs from Gallery Furniture Goal.
Check them out once life with I suggest you go

(18:01):
to bed, sleep it off, just.

Speaker 1 (18:03):
Wait until this show's over. Sleepy back that. Doug Pike,
as fifty plus continues, Welcome.

Speaker 2 (18:09):
Back, thanks for listening to fifty plus. That thanks as
always for just join us and giving us a little
piece of your afternoon on yet another top notch day
in Southeast Texas. By the way, in this segment, we're
going to talk about making your dream of starting a
business come true without breaking whatever bank you've got now
and to help me through this, I'm going to bring
in Dean Lolkin, CEO of Cardiff, which specializes in small

(18:32):
business loans. Welcome to fifty plus. Dean, great to be here,
appreciate it. So a long time ago adults would get
a job. Stick with it for thirty forty years and
retire with a pension that'd get them to the end
of the road. Now, people work later into life, and
i'd guess a lot of them are probably coming to
folks like you, maybe looking for a little money to
start that business they always wanted but never really found time.

(18:55):
Do you hear that story?

Speaker 3 (18:56):
Much?

Speaker 2 (18:59):
We do?

Speaker 3 (18:59):
We do. There are so many folks later in life
that are now open to this idea of entrepreneurship. And
you know, I think a lot of that, And then
I think our audience, I'll be relate, is that AI
is changing the way people think about work.

Speaker 2 (19:14):
I hadn't thought about that. I didn't put one word
about AI in this in this prep and I'm so
embarrassed for telling you that. So let's start at the
beginning of If somebody's never started a business at all,
but kind of has what they think is a good idea,
what's step one?

Speaker 3 (19:29):
Well, step one I think is I think the most
horrible step one is is putting dollars to work. And
the most horrible step one is taking something like a
home equity line of credit and starting to spend money
without actually having a business plan and thinking through the
idea and I think since we're talking to an audience,
the folks that are at least, you know, fifty years old,

(19:52):
you know, these folks have enough life experience to understand
that they've got to do some due diligence and some
thinking before they get to doing something the way that
a twenty year old by doing, Oh Gary.

Speaker 2 (20:02):
I got an eighteen year old who'd do it way
different than I would. I can assure you of that,
Hey man, he'd bought whatever he wanted and then figure
out how to pay for it later, or he'd just
come to us for that's right.

Speaker 3 (20:14):
That's right. So these folks are thinking differently about that.
And then the first step is really getting to their network,
getting to the folks that they've known their whole lives,
or maybe people from their professional career path, and really
vetting this idea, but above and beyond that, you know.
And I'm doing this with a friend of mine who
is sixty two years old right now. Okay, his name

(20:38):
is Larry, and he has an amazing idea for an
insured tech product. So a technology product works with insurance companies.
And this is later in life, this is Larry's probably
third career.

Speaker 2 (20:49):
And so what is he doing.

Speaker 3 (20:51):
Larry is getting advice from the people around him, which
is wonderful, But guess who has the best advice? Larry
and I didn't even think about the stuff. But across
the large language models, if you combine the knowledge between
Claude Perplexity and open AI chad GPT, the advice that

(21:12):
they're able to give Larry on what his first through
fifth steps should be is amazing. Okay, And you know,
Larry's actually an a fairly late stage where he's actually
gotten an investor, and so someone is actually willing to
do a simple agreement for future equity with Larry and
giving him three hundred thousand dollars for his idea. Good
for real, It's amazing. But at CHAD GPT they able

(21:35):
to actually take a look at these documents and tell
Larry is this a good deal or is this a
terrible deal you should run away from? So I mean
leveraging these large language models for especially for those folks
over fifty, which would seem counterintuitive, right like why would
I ask this technology that I don't know anything about?

Speaker 2 (21:52):
Is amazing.

Speaker 3 (21:53):
It's like a financial advisor friend and ally for your finances.
Amazing what they can do for.

Speaker 2 (21:59):
You, really is, and it does get tricky for somebody
like you, say, fifty five sixty five trying to invest
in the market scary enough, and then you come along
and you kind of throw them a lifeline. What exactly
does Cardiff do to get that person funded up? And
what do you need? What would I need to bring
to you to convince you that I was worthy of alone?

Speaker 3 (22:23):
Yeah, Cardiff you know, has very very very basic and
simple requirements. So one of the one of the problems
for us is that we work with businesses that have
been around for at least a year, okay, and so
we're looking at businesses that are already at least they've
got their sea legs under them a little bit, and
they're doing at least a couple hundred thousand dollars in

(22:44):
annualized rabbits, and so we're able to take a look
at their bank transactions for their business bank account and
make a decision on giving them a loan or a
revenue based finance agreement very very quickly. This can be
done in minutes, and so it's it's very very useful. Uh,
it's very fast. It helps people that have a project

(23:05):
in mind, have a cash flow gap that they need
to meet. But it's not great for the pure startups
that really don't just have an idea. They haven't gotten
any revenue in their bank account.

Speaker 2 (23:14):
Yet we do go ahead.

Speaker 3 (23:18):
Oh one of the things I was going to say
that we do do for startups is equipment finances. Okay,
so if you do have a startup idea and you
need some equipment, so that's a little bit easier because
now you're talking about some more secured funding, right, and
so there's some collateral involved. And so if you're if
you need a backpo, an excavator, or even something as
simple as a pizza oven for a restaurant, or a

(23:40):
maybe some software for your business, so we can finance
all of those things over you know, four to five
years for you. But the unsecured funding where you can
spend the cash in any way that you really want to.

Speaker 2 (23:52):
Oh, no, the business they love the CEO of Cardiff.
You're on fifty plus. How concerned should the average person be?
Who's with the interest rates right now?

Speaker 3 (24:05):
You know, I think that people should be optimistic about
interest rates. I think that they're they're probably encroaching on
being you know, less than stimulative for the economy, for
the American economy right now. But I think President Trump,
Scott descent, and the folks that have said I think
that you know, Kevin worsh coming in, I think they're

(24:27):
going to do a good job here in the next
stix to twelve months of moving interest rates in the
direction that I think both consumers and small business owners
are going to appreciate.

Speaker 2 (24:38):
In a minute or so, tell me the most common
couple of mistakes people my age make when they take
out these types of loans.

Speaker 3 (24:49):
So with these types of loans, and then really any
type of loan, big, big mistakes that folks make is
using consumer debt to finance business expensive. This is where
you can get into huge amount of trouble because the
last thing you want are your personal assets things like again,

(25:11):
most folks for fifty, the vast majority of their wealth
is kind of inequity in their homes right, and if
you tap that equity to invest into a risky business venture,
you could lose your home. You could lose the most
valuable asset that you have. And this is something that
we always advise against and guard against for folks that's
really this is very common, very very dangerous.

Speaker 2 (25:32):
Obviously.

Speaker 3 (25:32):
We talked about very stupid things you can do, like
finance cars of boats using your home's equity. But even
dumber is taking that money and putting it into a
risky business, a risky venture, risky startup. Dean wil You've
got to find other ways.

Speaker 2 (25:47):
Yeah, yeah, we'll leave it right there. And there always
are workarounds, Dean, look at Thank you so very much,
CEO of Cardiff. I appreciate this information. I might just
have to give you a call. I got a couple
of things buzzing around in my head if I ever
get to retire. I'm still working six days a week
here though. We'll see how that works out. Thank you
so much for having me. Yeah you, sir bub By.

(26:08):
All right, time for a break, and I will remind
you that I am very proud to be bringing into
the family Midway meat market right out in Katie. Been
there fifty seven years, taking care of people who drive
in from quite a distance, actually a lot of them,
because they know what they're gonna get when they get there.

(26:29):
I started going back there going there back in the
nineteen eighties myself. I was going there for lunch after
taking guys from all over the country, goose hunting out
on the Katie Prairie, And I always knew I could
get a really good cheeseburger, a cheeseburger, some fries, big
old coke or pepsi or whatever, and that would kind

(26:50):
of get me ready to go on home and take
a nap and get ready to go out the next day.
It's still got that same feel too. I was out
there not that long ago, that same kind of a
country store, small town are. The only difference might be
that the cheeseburgers the one I had last time, actually
seemed to taste a little better now, if that was possible.
Maybe they're cooking in a dash of good memories from

(27:12):
back when Herman and Meyer ran the place. His daughter
Trish is running it now and doing a fine job
of continuing the legacy that her dad left behind. He
was great. Everybody out there is great. A lot of
the people who work there have been there twelve, fifteen,
twenty years. They've been smoking their meats the same way
since they opened the doors, over old fashioned oak and

(27:34):
pecan wood. And it's all just a few minutes west
of ninety nine off I ten and on Old Highway ninety.
Just get off I ten right about where that big
old Katie Mills Mall is, go up to ninety, and
then you go about another mile west from maybe two
miles west from when you come into town. There there

(27:55):
it will be on the left hand side of Old
ninety and it's open eight am to seven pm every
single day of the week. Easy access, incredible meat products,
plenty of different sausages to choose from, all that you
want out of a meat market, and then a whole
lot more when you see it. It's not a giant place.
What's interesting. The last time I went out there, it's

(28:19):
I remembered it being really big, and it seemed a
little smaller outside, and then I walked in and I
realized that everything I was looking at before is still there,
and that, of course that cheeseburger. Keep looking at that.
I'm gonna go get one of those pretty soon. I
think Midway Meatmarket dot Com is the website. Go check
them out. Midwaymeatmarket dot Com.

Speaker 1 (28:40):
Aged to perfection. This is fifty plus with Doug Pike.

Speaker 2 (28:45):
The final segment of the program starts right now, and
I'm going to start it will with one of these
upgraded puns. Okay, these just all of these I think
are a little bit better overall. Not all of them
are great, but overall, as opposed to this tone of
puns over here, I'm gonna go with another one of these. Um,

(29:10):
I'll go with this one.

Speaker 3 (29:11):
Will.

Speaker 2 (29:12):
I made a belt out of watches. But it was
a waste of time. What do you give me on
that one? You like that one, don't you? Yes?

Speaker 3 (29:22):
You do?

Speaker 1 (29:23):
Two?

Speaker 2 (29:25):
You're hard today, man Lee.

Speaker 1 (29:28):
Two.

Speaker 2 (29:29):
That was the one that Courtney, by the way, gave
me a three on I had. I thought you might
go a little higher than that. All right, let's go
back to the news for a minute, back to Iran.
From an op ed piece that Steve Forbes wrote for
Fox News, for As leads by saying that the West
has a very bad habit of mistaking fanaticism for grievance

(29:50):
and terror for complexity, especially with Iran talking about this
somewhat a little while ago. Our own leaders away for
fifty years or more, he wrote, have held the mistaken
opinion that the Tearranian regime can somehow be moderated or
reasoned into good behavior. And that's what concerns me most

(30:14):
about this negotiation. We're doing with a group that we
know can't be trusted, that we know is gonna look
at you right in the eye and lie to you.
And what Forbes says about that is that they're not
going to change, and we're gonna end up being wrong
if we talk ourselves into that, potentially dead wrong. The

(30:37):
Atomic Energy Agency back in February of this year said
Iran had nearly one thousand pounds of highly enriched uranium
that was on the doorstep of becoming weapons grade material.
That's about as big a red flag as could possibly
have been raised in front of the world, but only
one world leader took that caution to heart and acted

(31:01):
on it, and a whole lot of other people are
turning their backs on us, and that could end up
hurting them even more long term. While Iron's working on
nuclear weapons, that concurrently was building up its arsenal of
other missiles and drones too, which could be and have
been already used to intimidate neighboring countries into not becoming

(31:24):
more involved that several NATO allies have basically hidden in
the corner for the past month, even to the point
of refusing to let us use their airspace and bases
for staging. Ari Fleischer wrote on ex that they pretty
much sold us out and we're just too afraid, just
too afraid to help us stop the single largest supporter

(31:44):
of terrorism the whole world, and that Fleischer said NATO's
never going to be the same. They're really showing their colors.
They're just running scared. They don't want to get involved,
and not getting involved is going to leave them more
vulvulnerable than anybody else. It's just sickening to realize that

(32:06):
people who should know better and do know better are
scared to act, and that's exactly what's going on. They
don't want to be they don't want to target on
their back. But it's already there. And if Iran is
allowed to do what it wants to do and there's
no regime change and there's no really material difference in

(32:29):
the old Iran in this newer run, then we got
a long fight ahead of us. Just let's see. Oh yeah,
I saw this on Facebook, an Instagram a day or
a day or two ago, not an Instagram ago, a
day or two ago, and I found it very profound.

(32:51):
It's said that if bartenders can go to jail, and
I've heard it already on the radio once somewhere, so
forgive me if you've heard it as well. But it's
very it's very well said. If bartenders can go to
jail for overserving a customer who later kills someone, why
can't judges face some consequences for releasing repeat offenders who

(33:13):
wind up doing the same thing. How can that happen? Okay,
thank you, Will, that's you know, that's actually a pretty
good amount of time to have. I thought we were
a little closer to the to the end. Michael Shay.
I like watching Saturday Night Live, and I have for many,
many years. I don't think it's except for rare little

(33:34):
I like Weekend Update and occasionally they'll do a sketch
that's actually still funny, but it's not anything like it
used to be. And this past week, the White House
actually responded to something that Michael Shay said in that
Weekend Update this past Saturday. And I hope that, I

(33:55):
hope that there was an apology issued because this is
what Shae said. And I don't know who wrote it
for him, he and he and what's the other guy's name?
Will who? Oh yeah, Colin josd He and Colin typically
write their own stuff. But whoever wrote this, I think
it was in poor taste. I really do. I'm paraphrasing

(34:17):
here when Shay said President Trump was going to the
opening night performance of Chicago at the Kennedy Center, and
he said, hmm, President's going to the theater. What's the
worst that could happen? Now, I get it. He said
it jokingly. It is a joke. But what concerned me
a little bit more than it being what it was.

(34:40):
I could, I could take that a little bit, but
it was the exuberance that was expressed, not just not
just snicker snicker, laugh, laugh, that's a pretty funny joke,
but it was almost as if they were kind of
hoping something might happen. And that scares me for this country.
All Right, that's it for today. I'll see it tomorrow. Audios.