Michael SMB Website As A Service (WAAS)

No third world country is safe once the markets close. To a third world dictator, the ringing open of the New York Stock Exchange on a Monday morning sounds as sweet as church bells.

@EpiphanyTampaFL's Troops of St. George Unit#51 went camping over the weekend: with a four mile hike, two mile run, and taught the junior cadets firemanship (making a fire safely). But the building up the Body of Christ, camaraderie, and prayer time were the best. Gracias, dads!

@CatholicEthan Hahhhah

BREAKING: President Donald Trump has been spotted on the island of Saint Helena. Eyewitnesses indicate that the President is in a somber, reflective mood, and was seen dictating a memoir to his aides. It does not appear that the President is there of his own free will.

You can buy your local supermarket doing $10 million in sales for 3.5x earnings plus inventory. Let's assume that's an all in price of $2 million ($400k EBITDA * 3.5 = $1.4m + $600k inventory). 10 year loan = roughly $200k per year of debt service 5% EBITDA margin gives you a debt service coverage ratio of 2.5 (banks want a minimum of 1.25). If you put $300k down plus another $200k of working capital that's $500k out of pocket. After backing out interest, taxes, deprecation, amortization you'll be netting at least $200k. That's a 40% cash on cash return. The grocery business isn't sexy but it is consistent. You'll know within a 2% margin of error what your sales will be the following week as long as you are in a solid market. It's blue collar industry but a store doing $10m has enough volume to support a full management team which gives you the freedom to work on the business vs in the business. One of the biggest upsides is you won't be competing with private equity to win the deal. You'll also likely have a handful of levers to pull in year 1 that will juice your returns such as launching online ordering direct to consumer and via 3rd party apps, renegotiating credit card processing rates and supplier agreements, increasing prepared food options, etc. There is also the possibility of acquiring the real estate down the road which has all sorts of additional benefits. It's a hard business and definitely not for everyone but if you like people, enjoy food, can see yourself being a linchpin of your local community, and have a desire to own your own business, then it might be a good fit for you.

@SMBjourney I was wishing they had an on button...

Do media minds come with an off button?

@Cernovich They priced it too high.

This concept is really cool concept and I invested in the company. They licensed all of the old cartoons we watched as kids, so you can let your kids run wild. Cerno30 for a free trial. Link 👇👇👇

America is bankrupt. Our government has debt it may never repay. Our culture is decadent. We mock God. Tempt fate. Squander our birthright. And, yet, we are a great country. Despite these flaws, in spite of these sins, we are indisputably the greatest country on earth. We are likely the greatest nation this world has ever seen. America is the nation to show the world that ordinary citizens—farmers, shopkeepers, smiths, laborers, teachers, homemakers—were not just capable, but deserving, of enlightened self-rule. Our forebears fought wars, sacrificed treasure, buried their sons, to show peoples throughout the world and across the generations of time that men should govern themselves, free from the reign of kings, caesars, commissars, court mandarins. Out of our material abundance, we are inarguably the most generous country our world has ever seen. Hundreds of thousands of our troops gave their lives to save the world from tyranny—from fascism, communism, terrorism, and countless other ideological plagues that would bind bodies and crush spirits. Billions of our dollars rebuilt Europe and Japan; trillions more, from our government treasury and our personal munificence alike, have fed, clothed, educated, and cared for the less fortunate across the globe, never asking—and, at times, never receiving—gratitude in return. American innovation and entrepreneurial zeal have driven nearly every major technological advancement of the last 150 years. And not just with digital technology, but in the material realm, in the worlds of building, manufacturing, smelting, healing. It was our so-called robber barons who made the modern physical world possible, revolutionizing petrochemical refining and steel production to do so (ask yourself why it was that Carnegie built US Steel, not Scotland Steel). It was America, not a European duchy or principality, where men first realized da Vinci’s dream of human flight. We are the nation that split the atom, sent men to the moon, rid the world of the scourge of Polio. We created the internet; we invented the devices on which I’m writing this and you’re reading this. Our natural gas powers much of the free world. Our technology, from search engines to social media to large language models, powers the digital world. It’s not an exaggeration to say that any random coworking office in San Francisco is likely to drive more innovation and create more economic value this year than the sum of the entire European startup industry. No, America isn’t perfect, nor would anyone argue it is. We have countless flaws, which might still yet bring about our downfall. Like any land and like any people, we have scars, we have sins, we carry shame. But America is a great country. America is worth fighting for, and America is worth celebrating. I’m incredibly proud—and incredibly fortunate—to call this country my home. God bless you. And may God bless America, today and all days.

@SBA_Matthias The networking is subpar for online. But offhand, I don’t know a better way to get spam. So if you don’t get enough emails to delete and ignore this is the way for you.

RT @PolkCoSheriff: Jeffrey commits crimes. It’s just what he does. He’s been a frequent guest at Grady Judd’s Bed & Breakfast for nearly tw…

To make sure that the city was safe during the night, the Republic of Venice appointed six powerful magistrates called the Lords of the Night to investigate nocturnal activities! These Signori di Notte were already mentioned in 12th century and initially consisted of only two magistrates, but since 1260 they were expanded to six to cover each district of Venice. Their name derives from their initial responsibility of monitoring what was happening in Venice during the night. They operated a criminal court bellow the Council of the Forty and persecuted crimes associated with the night such as theft and criminal conspiracy. The Lords of the Night worked closely with the Militias of the Six Districts, the urban militia of Venice. In 1262 the district militias were increased to 500 men per parish to help maintain order at night under the direction of the magistrates from the Lords of the Night. The suspects were brought into the Chamber of Torment in the Doge's Palace where they would be interrogated by the Lords of the Night who were also allowed to use torture. These interrogations took place during the night, as did the trials.

@HillsboroughFL It seems like our garbage collection days overlap with the holidays a lot. And our rates go up. Less service for more money.

Hey, residents! Here's a reminder of our upcoming Garbage Collection Schedule for the upcoming holiday. 🗑️📆 If you want to learn more about the Hillsborough County garbage, recycling, and yard waste holiday schedule, visit ↪️ bit.ly/3VLLA8A

Among those Pope Leo has approved for canonization, Peter To Rot, a Papuan martyr who fought against the practice of polygamy and defended the sanctity of marriage. His words hours before he died: "I am in prison for those who break their marriage vows and for those who do not want to see God's work go forward. That is all. I must die." vaticannews.va/en/church/news…

@JamesonCamp I bet we can all get a trophy now!

Ask ChatGPT what your IQ is and post it in the comments. I want to see something…

@JamesonCamp That everyone is above average?

@Web_Biz_Guy What I would have assumed!

@SBA_Matthias 3 years watching bizbuysell for the right opportunity. Crafted an email. We interviewed each other and made a deal.

Business buyers – how did you find the lender you ultimately closed with (SBA or non-SBA) for your acquisition? I’m mapping out the client journey for business buyers and want to better understand how you navigated the financing process. Was it a referral, a cold outreach, an online search, or something else that led you to the right bank? Curious to hear how you made that connection—appreciate any insights as I reverse engineer the journey from your perspective.

@RandBusiness Great time. Thank you for the invite.

100+ attendees at our Tampa SMB/ETA Meetup. Huge milestone, can't wait to see everyone!

@HealthRanger It's a sign of disbelief in metaphysics - an inability to distinguish between volume and quality.

Why have nearly all Americans forgotten to use the word "fewer?" They say "less" when they mean "fewer," and it's a sign of low intelligence. As in, "People are buying less cars this year." No they're not. They're buying FEWER cars.