$20K could fix my life

[gregintenn]

Feb 15, 2016 16:07:13 GMT -5 NancysSummerSip said:

(Actually, Kayne announced on twitter that he is $56 million in the hole and needs $billion from Zuckerburg to set things right - and he ought to get it because he's the best artist, anywhere, ever )

You gotta wonder about the state of things at home, since his Kardashian baby-mama could certainly bail him out (her personal net worth is about $53 million personally per Forbes, and her entire clan about $300 million. Maybe she's smarter than we realize.

And what would you do exactly with twenty grand? Where's your budget breakdown, to show that's exactly what you need? Who is to say that you don't plan to take the money and run off to a tropical island with no extradition treaty with the U.S.?

And you'd still be that much in the hole, even after you pay off your debts, because the loan still has to be repaid.

And finding work takes work, Loony. I've been at it for five weeks now. I send out anywhere from 10-30 resumes and applications per day, seven days a week. I spend 7-9 hours a day job hunting, plus doing freelance and all my regular chores and workouts. It's more exhausting than I thought it would be. And I've worked two jobs for years. Sorry to tell you this, but you could spend months looking for work, especially if you are choosy. I'm not extremely picky, but I do have employment dealbreakers. Fortunately, I have a financial cushion, so I can be.

I never did understand why it is you can't find a job.

[gooddecisions]

Sorry you're struggling, but didn't you just get $25K from your FIL a few months ago? What happened to that money?

[Deleted]

I know this is YM and all and we hold ourselves to much higher standards than the average citizen. I do NOT know what exactly walking away from a business involves.

What I do know is that sometimes when you're in a jacked up situation you can try and try to find a way to make it work, but sometimes you have to find a legal way to cut your losses and move on.

Loony, you've been talking about money problems and job hunting for a while now. I'm sure it's stressful to not have come up with anything in all this time and IIRC, your husband has developed some health issues on top of everything else. Unfortunately, I don't see you being able to scrounge up $20k given your bad credit, no matter how desperately you need it, and you can't force anyone to buy your business. I know your time is tied up in the store and your money is tight, but is there any way to update your skills to make you more marketable to employers in your former field of work? I have no idea if that's a stupid question or not, but it's the only YM-approved solution I can come up with to possibly get you some decent income.... eventually.

I'm sincerely sorry to hear that you're still struggling. I hope something good happens for you soon.

[debthaven]

Loony I hope the translating works out. Maybe give them a call or send them an email if you can?

[NancysSummerSip]

Feb 15, 2016 16:38:18 GMT -5 @tbird said:

I'm disgusted that so many posters here think it's appropriate to pile on to Looney in this manner when she is in truly dire straits. Take her to task, mock her, throw past inadequacies in her face.

Her husband disabled, daughter trying to finish college, working 7 days a week for god knows how long without respite and still the business crumbling. Wow, what a great opportunity for YM to pile it on.

Disgusting.

Understandable, but given her lack of information, her nasty retorts, her refusal to face financial reality, and her continuing to come here and ask the same questions over and over and expect different answers - it should not be a big surprise.

She does not want genuine help, she wants a bailout. And that bailout will lead her right back to the need for another bailout in a few months. What do you want people to do - pat her on the head, hold her hand and say, "There, there now - everything will be OK as soon as the magic funding fairy shows up at your door."?

My lack of sympathy is not rooted in her daughter's being in college and her having a disabled husband. I get that part. It's her playing the victim when things go bad, when she's had the good fortune of being in this country for years; a state of affairs many immigrants are literally dying every day to achieve.

She had the opportunity to ask a bazillion questions of other business owners on the board when she opened the store. She ignored a lot of very sound advice from most of them.
She was asked for financial information from those same business owners, who genuinely wanted to help her get out of her financial morass. She not only failed to provide that info, she was clueless as to what much of the financial terminology even meant.
She wants to sell the business, but again ignores not only the advice given here, but goes around her own broker and tries to make shady deals that clearly are not in anyone's best interest, particularly her own.
She was warned about not giving into her daughter's every whim and buying her anything and everything, but she ignored that (and now she says the kid cannot live on $600/a month. No kidding - when mama paid for everything, the kid never learned to earn/budget/save/spend for anything).

Like I said, I'm as liberal-sympathetic, social program-loving and give-a-hand-up as they come. But even I draw a line.

[The Walk of the Penguin Mich]

Feb 15, 2016 16:38:18 GMT -5 @tbird said:

I'm disgusted that so many posters here think it's appropriate to pile on to Looney in this manner when she is in truly dire straits. Take her to task, mock her, throw past inadequacies in her face.

Her husband disabled, daughter trying to finish college, working 7 days a week for god knows how long without respite and still the business crumbling. Wow, what a great opportunity for YM to pile it on.

Disgusting.

Sometimes, giving someone $20k would solve their problems, but others it may only be a temporary fix.  For Looney, many suspect the latter but don't know because no one can get a straight answer.

People HAVE tried to help her, but she always knows better.  Hell, I keep thinking about her daughter who had a cracked iPhone screen and went out and bought a new phone.  She may only make $600/mo, but a new phone was more important.  If the daughter is not making enough to support herself in school, then someone paid for the new phone.

That is just one example of a series of bad choices made, and when she talks about them, doesn't get the response she wants, she blows up.

[gregintenn]

Feb 15, 2016 16:38:18 GMT -5 @tbird said:

I'm disgusted that so many posters here think it's appropriate to pile on to Looney in this manner when she is in truly dire straits. Take her to task, mock her, throw past inadequacies in her face.

Her husband disabled, daughter trying to finish college, working 7 days a week for god knows how long without respite and still the business crumbling. Wow, what a great opportunity for YM to pile it on.

Disgusting.

Who's piling on? When a problem needs fixing, the best first step is to identify the problem. To my knowledge, we haven't really gotten out of that gate yet, so it's hard to help her. If she asked for pity, I'd say you're right, but I believe she asked for help.

If you're losing money while working 7 days a week, you really need to reevaluate what you're doing.

I'm not convinced hubby can't get out and get a job doing something til this is resolved.

[dannylion]

Didn't the translation services job work out?

You could tutor. There are probably high school and college students in your area studying Russian who are looking for tutors.

Since you were in IT, are you good at math?  There are always people looking for math tutors.   

[zibazinski]

I thought she was Polish

[Deleted]

How we handle "told you so" moments says more about the person that knew what was coming than the person that fucked up. Just my opinion.

I don't disagree that Loony's situation is probably her chickens coming home to roost and I'm not against the idea that she needs to learn from whatever mistakes she may have made. But I know that for myself, I can take constructive criticism, but the message tends to get lost if what I hear is scorn or mockery. I usually know when I've been stupid, it's not really helpful to have people say "See, I told you you were stupid". But Loony is not me and there are no laws that say people must be "helpful" in a certain kind of way. Loony is quite the character, but I try hard not to beat up on a person when I know they're down even if I do think they're stupid or I don't like them very much. I'd rather just not say anything at all to those people most of the time if their screw ups don't affect me and my life.

Maybe I'm just in a mood today.

[resolution]

Feb 15, 2016 15:44:32 GMT -5 tloonya said:

Feb 15, 2016 15:33:30 GMT -5 gregintenn said:

Because you didn't honor prior contracts agreeing to repay loans? Sound familiar?

My credit trashed from years ago and if those collectors weren't re-aging it would be good now.

I don't think that you are going to be able to fix your credit fast enough to be able to borrow a quick 20k, but if the bad marks on your credit are illegitimate, you can follow the dispute process to have them removed and that should improve your score.

www.creditkarma.com/article/dispute-credit-report-errors

[dannylion]

Feb 15, 2016 18:08:56 GMT -5 zibazinski said:

I thought she was Polish

I believe she is from Ukraine.  I recall engaging in a brief bit of banter with her in Russian a few years ago, and she clearly had native proficiency in Russian.

[debthaven]

She's Polish but probably fluent in both Polish and Russian. 

Loony, this is a stupid question, but did you put Russian on the translation info too? Now that I think of it, my BFF's Dad translated for the courts in both Polish and Russian (again this was a long time ago, in Queens). 

The math / Russian tutoring from Danny is a fantastic idea! My kids have had math tutoring over the years and the math / science tutors get paid the most. Our current math tutor is actually a MS German teacher. She did a double degree in math and German at university, and became a MS German teacher. I don't know her backstory but I know she is a single mom, she needs the extra money, and ALL her private students are in math, not German. She gets top dollar (40 euros an hour) because she can tutor the Lycee kids who are in the advanced math section. 

There are also online tutoring sites you can sign up with. I'm sure they don't pay as well but it could help you get started. 

ETA: I don't know if this is possible but could you teach a Polish or Russian or math class at a local community college?

[tskeeter]

Feb 15, 2016 14:30:06 GMT -5 @tbird said:

Feb 15, 2016 14:26:58 GMT -5 whoami said:

I know someone who is doing this.  They have had no less than 5 evictions (3 with the same landlord which I dont get) husband was violated so he ended up in jail for a couple months...they have 5 kids from 17-2....car taken etc  

Blaming the victim!

I do usually blame people who violate the conditions of their parole and are put back in jail.

[TheHaitian]

Feb 15, 2016 16:06:27 GMT -5 tloonya said:

Feb 15, 2016 15:45:41 GMT -5 gregintenn said:

If you'd paid what you borrowed, it would also be good now.

You haven't obviously ever been a forreigner who came to this country (from the country where it was designed to live from pay check to pay check) where banks were calling you offering cards with EASY monthly payments.

And you were supposed to keep up with your relatives who came here 10 years ago and lived large and you thought it is because they making easy monthly payments and can afford anything they want! and by the time you had everything you wanted - payments became not so easy. BUT by that time you had a great paying job! And harder payments didn't seem so unbearable...until they crushed you and...the rest you know!

Wow... That post spoke to me tloonya and I can sympathize!

[tloonya]

Feb 15, 2016 18:08:56 GMT -5 zibazinski said:

I thought she was Polish

Should I say 'thanks' for this post?

BTW THANKS to everyone. I am reading you all and yes I know I had made bad choices and there are more to come.

I am just the way I am and I could had asked you sooner but I kind of knew what is going to come out of it...

Anyway thanks for participation.

[tloonya]

Feb 15, 2016 16:38:18 GMT -5 @tbird said:

I'm disgusted that so many posters here think it's appropriate to pile on to Looney in this manner when she is in truly dire straits. Take her to task, mock her, throw past inadequacies in her face.

Her husband disabled, daughter trying to finish college, working 7 days a week for god knows how long without respite and still the business crumbling. Wow, what a great opportunity for YM to pile it on.

Disgusting.

Thank you for trying to stick up for me. It is good to know there are whole bunch of different opinions.

Including some heartfelt.

[tloonya]

Feb 15, 2016 17:44:32 GMT -5 dannylion said:

Didn't the translation services job work out?

You could tutor. There are probably high school and college students in your area studying Russian who are looking for tutors.

Since you were in IT, are you good at math?  There are always people looking for math tutors.   

I just got that thing and waiting.

The other stuff is holding me back that DH is not supposed to be at the store. In case of inspection he is not allowed to be working.

So I have to be present. And I am. If any gig will come up so I can do it on the computer - great! But it had been a few days.

[Deleted]

I think it would really help to know what you need the money for... What are the pressing issues?

[tloonya]

Feb 15, 2016 18:10:24 GMT -5 @pinkcshmere said:

How we handle "told you so" moments says more about the person that knew what was coming than the person that fucked up. Just my opinion.

I don't disagree that Loony's situation is probably her chickens coming home to roost and I'm not against the idea that she needs to learn from whatever mistakes she may have made. But I know that for myself, I can take constructive criticism, but the message tends to get lost if what I hear is scorn or mockery. I usually know when I've been stupid, it's not really helpful to have people say "See, I told you you were stupid". But Loony is not me and there are no laws that say people must be "helpful" in a certain kind of way. Loony is quite the character, but I try hard not to beat up on a person when I know they're down even if I do think they're stupid or I don't like them very much. I'd rather just not say anything at all to those people most of the time if their screw ups don't affect me and my life.

Maybe I'm just in a mood today.

You are right. However the most hurtful post here to me was from zib 'I thought she was Polish'...likw whaaaaat?

What kind of response to the issue is that? Polish, shmolish...is it really the issue we are talking about?

I can take shit on my head but this? I can't stand this kind of things.

Why didn't she write 'is it Tuesday'? Right? Same effect. None. And she is always presents herself like 'hollier'.

And here 'I though she was . SO WHAT

I don't know.

The thing that really makes me reading all these posts without any negative feelings is that I know plenty of natives

who wouldn't dare start business or will fail more miserably than I am (and I haven't failed yet, I am simply trying to

find a way.)

[zibazinski]

Feb 15, 2016 19:38:55 GMT -5 tloonya said:

Feb 15, 2016 18:08:56 GMT -5 zibazinski said:

I thought she was Polish

Should I say 'thanks' for this post?

BTW THANKS to everyone. I am reading you all and yes I know I had made bad choices and there are more to come.

I am just the way I am and I could had asked you sooner but I kind of knew what is going to come out of it...

Anyway thanks for participation.

I thought somewhere in a former post that you were Polish not Russian.

[Deleted]

Feb 15, 2016 19:43:15 GMT -5 oped said:

I think it would really help to know what you need the money for... What are the pressing issues?

 I keep asking the same thing. It's possible to get smaller chunks of money for different things in different ways.

[zibazinski]

It was in context of you translating. I'm sorry you think being Polish is insulting.

[ArchietheDragon]

I thought she was Estonian

[mmhmm]

tloonya , I think what people are looking for is a bit more insight on the nature of the problem they're trying to help you solve. Sometimes, an infusion of cash will solve a problem. Other times, it won't because the problem will just crop up again as soon as that infusion of money runs out. It would help if you'd let us know what you plan for the $20K. What's it for?  How will it be used and over what period of time? What will happen then? We really need to know what you're planning in order to help your formulate the right plan for you particular situation.

[tloonya]

Guys,

please, chill a bit.

Some of you remember my posts as if I was your family member. In details.

However you never remember I said on several occasions that I am not nessesarily

telling you everything that had happened. I am sometimes playing what if scenario

and gettering information PRIOR to what could happen.

A lot of times I was asking you questions and after you went all beserk - none of

it came to life, I had just changed my path and avoided the situation.

So, please, especially Nancy, hold on to your emotions. You can't be wasting yourself

like that on issue that you don't even know exists.

I appreciate everyone's time and posts. And for zib - I am Russian Jew from Ukraine.

Write it somewhere or something. I am not supposed you will splurge on tattoo?

Love to all.

[ArchietheDragon]

Feb 15, 2016 20:08:31 GMT -5 tloonya said:

Guys,

please, chill a bit.

Some of you remember my posts as if I was your family member. In details.

However you never remember I said on several occasions that I am not nessesarily

telling you everything that had happened. I am sometimes playing what if scenario

and gettering information PRIOR to what could happen.

A lot of times I was asking you questions and after you went all beserk - none of

it came to life, I had just changed my path and avoided the situation.

So, please, especially Nancy, hold on to your emotions. You can't be wasting yourself

like that on issue that you don't even know exists.

I appreciate everyone's time and posts. And for zib - I am Russian Jew from Ukraine.

Write it somewhere or something. I am not supposed you will splurge on tattoo?

Love to all.

Yo know I am the only one to can trust. Ignore the rest of them.

[tloonya]

Feb 15, 2016 20:01:39 GMT -5 zibazinski said:

Feb 15, 2016 19:38:55 GMT -5 tloonya said:

Should I say 'thanks' for this post?

BTW THANKS to everyone. I am reading you all and yes I know I had made bad choices and there are more to come.

I am just the way I am and I could had asked you sooner but I kind of knew what is going to come out of it...

Anyway thanks for participation.

I thought somewhere in a former post that you were Polish not Russian.

SO WHAT Is it relevant to the issue? I couldn't remember if you are a man or a woman for years. Was I supposed to come and ask every time you had posted about serious stuff 'Is zib a guy or a girl?' without offering anything else? Think

[tloonya]

Feb 15, 2016 20:01:49 GMT -5 laterbloomer said:

Feb 15, 2016 19:43:15 GMT -5 oped said:

I think it would really help to know what you need the money for... What are the pressing issues?

 I keep asking the same thing. It's possible to get smaller chunks of money for different things in different ways.

Sorry I meant to answer this earlier. No. There is no chunks. Half maybe. But another half should be laying there soon. I will not get into details. I didn't mean to. I was merely fishing for an ideas. And I've got your juices boiled right? My mission is accomplished.

Not that I had not got useful info here. THANKS

[zibazinski]

I asked only in relation to your translating services. I don't care what country you hail from. I get that you're upset and emotional. I'm sorry you're in a mess