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Topic: 2019 Offseason Stream of Unconsciousness

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847badgerfan

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #868 on: April 16, 2019, 05:36:46 PM »
Yep, they are. Been with mine for 25 years now. But, much like a bank, they are going to want to see a business plan, if any capital is being sought.
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Cincydawg

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #869 on: April 16, 2019, 05:42:27 PM »
The wife found a local credit union that works for her.  I tried just banking with my broker and that is working fine, so I have accounts only at one place now (almost, with a slight exception forced on me).
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MichiFan87

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #870 on: April 17, 2019, 01:00:41 AM »
I wouldn't necessarily call it a business plan, but I have thought about how much I could make and how soon. I have decent emergency fund, too.

Basically, I should be able to charge $50+ / hr or close to that on a project basis. In my contract job I was paid $37 / hr and was probably billed at double that for what was mostly administrative work, whereas most of my experience is real analytical work. Point being, even just 50 hours per month at $50 / hr = $2500 pretax, which would still mostly cover my main expenses, and I expect to get at least that much work at that rate or better. In the worst case scenario, I'm in contention for a decent full-time job as well as a staffing agency that can give me part-time temporary work.

I'm not really trying to start my own company, as much as I'm just looking to find other entrepreneurs that I can support. I have an aunt with a CPA, which certainly helps, though. I agree and know I should have a separate bank account for business purposes and find a labor/self-employment-focused lawyer, as well.
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utee94

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #871 on: April 17, 2019, 09:17:24 AM »
Ii've got accounts all over the place.  I really need to consolidate.  There's nothing to be done in the retirement accounts, I have an IRA that I was forced to rollover from my employer's 401k when I left my first job.  But luckily my 401Ks with both of my last two employers are handled by the same company, so although I can't invest any further in the old one, I can still manage it through the portal on my new one.  Since I don't really touch those retirement accounts very often, it's not that big of a deal, but I can at least view those two in the same place.

My family's primary banking/checking/savings accounts are with a different company, and then my business accounts for managing our real estate investments are with yet another company.  It gets a little overwhelming to manage.  I've tried Mint and iMoney and some other similar programs that are designed to consolidate the views and help manage it all, but they just don't work cohesively enough with my various financial institutions.  
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Cincydawg

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #872 on: April 17, 2019, 09:52:05 AM »
I know, let's build more freeway lanes, that should solve the traffic problem.

https://atlanta.curbed.com/2019/4/17/18411608/ga-highway-400-express-lanes-traffic-peach-pass

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847badgerfan

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #873 on: April 17, 2019, 11:19:47 AM »
Quote from: MichiFan87 on April 17, 2019, 01:00:41 AM
I wouldn't necessarily call it a business plan, but I have thought about how much I could make and how soon. I have decent emergency fund, too.

Basically, I should be able to charge $50+ / hr or close to that on a project basis. In my contract job I was paid $37 / hr and was probably billed at double that for what was mostly administrative work, whereas most of my experience is real analytical work. Point being, even just 50 hours per month at $50 / hr = $2500 pretax, which would still mostly cover my main expenses, and I expect to get at least that much work at that rate or better. In the worst case scenario, I'm in contention for a decent full-time job as well as a staffing agency that can give me part-time temporary work.

I'm not really trying to start my own company, as much as I'm just looking to find other entrepreneurs that I can support. I have an aunt with a CPA, which certainly helps, though. I agree and know I should have a separate bank account for business purposes and find a labor/self-employment-focused lawyer, as well.
That makes things a little different, but it's not that much different. You still need to separate every aspect of personal and business. That is first and foremost. Then, you need to think long and hard about where you will be in 20 years. 

Starting a company to make a living is much different than starting a company to make a business. Granted, you can do both, but the latter needs to be carefully thought about (systems, marketing, hiring, business climate, competition, etc.).

My business will be there when I'm not there anymore, but that was my goal. I can give advice along those lines because that's what I know.

One more piece of advice I will give is that when you prepare your Performa, always consider net profit as a cost - not an option. Profit is essential. Breaking even or losing money is more like a hobby activity. Work should not be a hobby.
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Drew4UTk

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #874 on: April 22, 2019, 09:43:23 AM »
Quote
Work should not be a hobby.
I'll have to google this term 'hobby'.  I'm unfamiliar with it- work I'm keenly aware of.  "Hobby"?  Is it condensed terminology from Lord of the Rings? 
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Cincydawg

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #875 on: April 22, 2019, 09:55:11 AM »
I recall someone here, maybe Badge, saying he didn't want to "wish summer away" (not that we can control passage of time, or even perception thereof).  I mused that time appears to pass more slowly when you are really really looking forward to a thing.  When we were kids, December was the LOONNNGGGGESSSTT month.  Of course, we're all still kids, and summer seems like the longest season, because there is no "news" and football is WAY OFF.

I'm going to try and enjoy spring and summer and not think much about CFB, too much anyway.  It's a fun time of year.  And the years themselves are passing quickly for me now.  The wife took a photo of me yesterday and I look like an "old man" now, or what my eyes think of as an old man.  Football will be upon us soon enough, the anticipation will merely prolong the perceived passage of time.  So don't think about it.  At all.  Ever.

Watch baseball if you want to drag life out.
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MrNubbz

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #876 on: April 22, 2019, 09:58:38 AM »
I could post a photo of myself if it doesn't give you a heart attack at least you might feel better about your appearance
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847badgerfan

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #877 on: April 22, 2019, 10:09:00 AM »
Quote from: Cincydawg on April 22, 2019, 09:55:11 AM
I recall someone here, maybe Badge, saying he didn't want to "wish summer away" (not that we can control passage of time, or even perception thereof).  I mused that time appears to pass more slowly when you are really really looking forward to a thing.  When we were kids, December was the LOONNNGGGGESSSTT month.  Of course, we're all still kids, and summer seems like the longest season, because there is no "news" and football is WAY OFF.

I'm going to try and enjoy spring and summer and not think much about CFB, too much anyway.  It's a fun time of year.  And the years themselves are passing quickly for me now.  The wife took a photo of me yesterday and I look like an "old man" now, or what my eyes think of as an old man.  Football will be upon us soon enough, the anticipation will merely prolong the perceived passage of time.  So don't think about it.  At all.  Ever.

Watch baseball if you want to drag life out.
This. All of this.
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847badgerfan

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #878 on: April 22, 2019, 10:10:28 AM »
So the Italy trip is now just days away. The wife asked me yesterday if I was getting excited for it. I told her I was not yet, because I didn't want to find my time wishing my other days away. I'll get excited when the limo shows up to the house.
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Cincydawg

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #879 on: April 22, 2019, 10:32:10 AM »
We're headed to France a week from Wednesday.  I had not been thinking about it much, and it has snuck up on me quickly.  A good thing is that I usually do all the trip planning, but this time I only had to make one hotel reservation and get a rental car for a three week binge.  The wife has been wanting to get me to Brittany for years now, so off we go.

The other option had been a Baltic cruise which somehow ran into real money.  Maybe next year.
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847badgerfan

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #880 on: April 22, 2019, 10:37:20 AM »
We use Azamara for cruising. There are no hidden costs with that line. Everything is included, unless you want premium booze, which is about $15/day. They lose their ass on me.
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847badgerfan

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Re: 2019 Offseason Stream of Unconsciousness
« Reply #881 on: April 22, 2019, 10:49:24 AM »
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