NancysSummerSip
Community Leader
Joined: Dec 19, 2010 19:19:42 GMT -5
Posts: 36,679
Today's Mood: Full of piss and vinegar
Favorite Drink: Anything with ice
|
Post by NancysSummerSip on Feb 16, 2016 6:28:22 GMT -5
IMHO, $20K won't change much, because unless spending/financial habits change, a person will be right back where they were before the windfall. This comment isn't about Loony specifically, it's just my general observations based on people I've known that suddenly received a windfall, or had their debts eliminated (through bankruptcy). Most of those people were soon in the same dire straights as before. The ones who weren't, were those that weren't in dire straights to begin with. Dare I to report that when I came here about 15 years ago we were changing cars as soon as they were reaching 5 years in age. We are still keeping our 1998 Pathfinder. After cold shower from YMers who mentioned their 200K miles vehicles. I had done one shopping in 7 years due to the tremendous weight loss. Bottoms only. Tops are still on me because my shoulders haven't lost a lot of weight and still holding tops Ive got years ago. My child is happily dressing her self up from my closet. Yes my Princess is not heartless - she had her time, now she is participating in family situation with grace and I had made her to buy herself new pair of boots because I didn't want her to get sick from ripped once she owed. Her phone was covered by insurance. We are eating food we are buying wholesale and with yellow tags. Still kicking. We have debit cards only. Not one credit or store. We do not eat out for 7 years, we refuse BDay parties and any parties altogether. We do not go on vacations and do not go to movies. For 7 years it had been business and nothing else. We had stopped swearing and I go to church every week, if I can get in more than once I go every time I can. If any windfall will end up by my door I think I had learned my lesson. I am praying for prosperity to be able to live peacefully and have roof above my head and occasional seafood on my table. All people are different. And yes, it is all up to God. If I deserve my blessings I am sure will receive them. So is everyone else. Amen.
This is what amounts to normal, ordinary living for many people. Sacrifice perhaps, for those who have lived high and large and suddenly are hit with a loss of major contributing income. But nothing you describe is out of the ordinary for millions of people. In fact, it's still living reasonably well, if you compare it to the standards in other countries. I don't begrudge anyone the opportunity to go to the movies, on vacations, the chance to buy new clothes or go out to eat. But none of those things are needs, Loony. Not when you have to meet your wants first. You made the decision to open the store, apparently without sufficient business acumen to make it into a profitable enterprise. There was, and is, a lot of help out there, aside from the board. The Small Business Administration has free help, not to mention at least one office in your city. I've used them myself, and they are very helpful. You need to get out of what it is you are doing that is dragging the life out of you. Get your broker back into your good graces, sell the store, and get yourself re-educated so that you can find work in the field you know. And this lesson about owning a business should not necessarily be the end-all of owning a business. I've written about food business owners who have failed and succeeded in the field. The common thread among them: they know what works, and when to walk away from what doesn't. There is no sentimentality in failure.
|
|
Shooby
Senior Associate
Joined: Jan 17, 2013 0:32:36 GMT -5
Posts: 14,782
Mini-Profile Name Color: 1cf04f
|
Post by Shooby on Feb 16, 2016 9:09:20 GMT -5
If the hole is getting deeper. Stop digging. Sorry, there is no windfall coming. There is no financial calvary. You aren't going to win the lottery. You will get ahead the way the rest of us get ahead. Through diligance, hard work and making good decisions. Stop throwing good money after bad. Your business model isn't working. Get out. If you have to sell your house and live in an apt to get on your feet, then sell your house. Price your business to sell if you are losing a ton of money. Better to take a loss and get out quick then to further sink. It's your life. Your decision. Your choice. Nobody here can tell you exactly how to proceed. But, you need to make a plan and start by taking some small steps forward. Now, you can tell me why everything i just said is wrong.
|
|
NancysSummerSip
Community Leader
Joined: Dec 19, 2010 19:19:42 GMT -5
Posts: 36,679
Today's Mood: Full of piss and vinegar
Favorite Drink: Anything with ice
|
Post by NancysSummerSip on Feb 16, 2016 13:48:35 GMT -5
If the hole is getting deeper. Stop digging. Sorry, there is no windfall coming. There is no financial calvary. You aren't going to win the lottery. You will get ahead the way the rest of us get ahead. Through diligance, hard work and making good decisions. Stop throwing good money after bad. Your business model isn't working. Get out. If you have to sell your house and live in an apt to get on your feet, then sell your house. Price your business to sell if you are losing a ton of money. Better to take a loss and get out quick then to further sink. It's your life. Your decision. Your choice. Nobody here can tell you exactly how to proceed. But, you need to make a plan and start by taking some small steps forward. Now, you can tell me why everything i just said is wrong. That's it! The money fairy is a member of the financial cavalry! I always wondered if she acted alone or had some kind of posse. And don't worry....Loony will be along to tell you just how wrong you are. So quit making sense while you're ahead, OK?
|
|
whoami
Well-Known Member
Joined: Jan 8, 2011 12:43:49 GMT -5
Posts: 1,292
|
Post by whoami on Feb 16, 2016 14:49:32 GMT -5
I do usually blame people who violate the conditions of their parole and are put back in jail. Yes, I thought most people understood that its the criminals fault when they find themselves in jail, not the people they stole from ....ya know....the actual victims of the crime. I guess her self righteous indignation has run its course over on the stupid names thread so she wants to pick a fight here. Should have picked a more sympathetic topic.
|
|
Deleted
Joined: Oct 7, 2024 12:24:25 GMT -5
Posts: 0
|
Post by Deleted on Feb 16, 2016 15:31:45 GMT -5
I do usually blame people who violate the conditions of their parole and are put back in jail. Yes, I thought most people understood that its the criminals fault when they find themselves in jail, not the people they stole from ....ya know....the actual victims of the crime. I guess her self righteous indignation has run its course over on the stupid names thread so she wants to pick a fight here. Should have picked a more sympathetic topic. I think she was commenting on the wording. tskeeter said the guy was violated.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 17, 2016 10:36:02 GMT -5
There are some tried-and-true ways to come up with $20,000 for whatever you need $20,000 for. 1. Earn it. Through a 2nd job, or a 3rd job. Through other people in your family working. By making things and selling them. By babysitting. By tutoring. By cleaning houses. By cleaning offices at night. 2. Cut your expenses. Move someplace cheaper. Take in a renter/roomie. Drastically cut spending. Shop around for better insurance rates. Use less power. Get rid of cell phones. If you have cable, it. Every little bit helps ... and it all adds up. 3. Sell things. Sell your home and downsize. Move to a cheaper apartment (if you are a renter) Sell your car and rely on public transportation. Sell jewelry. Sell furniture. Sell anything and everything that you don't absolutely need. Will these things work? They will work, at least in part. What WON'T work? Doing the same thing that you have already been doing. Exactly how would you be spending this $20,000 which would "fix your life?" Please, don't think I am making exuses not to follow your advice. However" I am looking for a job forever. I had explained my IT background makes me overqualified for simple jobs but discqulified from getting IT because of the 7 years gap. And by the fact that I am looking for translation and I am as a matter a fact registered at home care - no cases! Had one case for 2 weeks and no more. Also because of my husband waiting for disability - he can't run the store by himself. He supposed to be just here supervising me. No physical working.
My mortgage is $1232 incl taxes and insurance. Plus I have a renter who pays me $650 Where can I move to make it cheaper?
I do not owe anything of the value to sell.
|
|
NomoreDramaQ1015
Community Leader
Joined: Dec 20, 2010 14:26:32 GMT -5
Posts: 48,078
|
Post by NomoreDramaQ1015 on Feb 17, 2016 10:49:01 GMT -5
Loony have you thought about going to hte library and checking out IT manuals? If you educate yourself enough you could at least talk shop during interviews and maybe find an employer willing to pay for you to get the certifications.
Have you looked into employment agencies? While they aren't perfect they can be advantageous for people who have been out of the workforce for awhile. Their sole job is to find people to put into jobs, otherwise they don't get paid. They can help you work on your resume and sell you to companies they contract with.
|
|
MJ2.0
Senior Associate
Joined: Jul 24, 2014 10:27:09 GMT -5
Posts: 11,049
|
Post by MJ2.0 on Feb 17, 2016 11:15:10 GMT -5
$20k would certainly help me with school/expenses...
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 19, 2016 14:26:45 GMT -5
Loony have you thought about going to hte library and checking out IT manuals? If you educate yourself enough you could at least talk shop during interviews and maybe find an employer willing to pay for you to get the certifications. Have you looked into employment agencies? While they aren't perfect they can be advantageous for people who have been out of the workforce for awhile. Their sole job is to find people to put into jobs, otherwise they don't get paid. They can help you work on your resume and sell you to companies they contract with. I can't get an interview even! Possibly due to the gap. My resume is good. People had checked that out.
And for the agencies thanks. I remember sending my resume to them as well. I was told that there are so many jobs out there but every job gets tons of resumes so chances are slim, pure luck! I will try again for the agencies.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 19, 2016 14:28:07 GMT -5
$20k would certainly help me with school/expenses... You have well paying job, right?
|
|
Deleted
Joined: Oct 7, 2024 12:24:25 GMT -5
Posts: 0
|
Post by Deleted on Feb 19, 2016 15:03:53 GMT -5
Loony have you thought about going to hte library and checking out IT manuals? If you educate yourself enough you could at least talk shop during interviews and maybe find an employer willing to pay for you to get the certifications. Have you looked into employment agencies? While they aren't perfect they can be advantageous for people who have been out of the workforce for awhile. Their sole job is to find people to put into jobs, otherwise they don't get paid. They can help you work on your resume and sell you to companies they contract with. I can't get an interview even! Possibly due to the gap. My resume is good. People had checked that out.
And for the agencies thanks. I remember sending my resume to them as well. I was told that there are so many jobs out there but every job gets tons of resumes so chances are slim, pure luck! I will try again for the agencies.
Do you really have a gap though? You've been running your own business for the years since you worked for someone else. That should be on your resume.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 21, 2016 11:25:18 GMT -5
I can't get an interview even! Possibly due to the gap. My resume is good. People had checked that out.
And for the agencies thanks. I remember sending my resume to them as well. I was told that there are so many jobs out there but every job gets tons of resumes so chances are slim, pure luck! I will try again for the agencies.
Do you really have a gap though? You've been running your own business for the years since you worked for someone else. That should be on your resume. It IS on my resume. I mean gap in IT.
|
|
|
Post by The Walk of the Penguin Mich on Feb 21, 2016 11:56:10 GMT -5
So fill the gap. You've been running a business, and while it is not in IT, it is a job. Try to spin it to your benefit with regards to the duties running a grocery store have in common with IT.
You might want to brush up on IT certifications though.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 21, 2016 13:25:06 GMT -5
So fill the gap. You've been running a business, and while it is not in IT, it is a job. Try to spin it to your benefit with regards to the duties running a grocery store have in common with IT.
You might want to brush up on IT certifications though. name one. I am not THAT smart. Please
|
|
|
Post by The Walk of the Penguin Mich on Feb 21, 2016 13:44:27 GMT -5
What did you do running the store? Place orders for food from vendors? You anticipated activity and were able to produce deliverables on time.
Now think about the rest of your duties and try to figure out how those skills translate.
|
|
Deleted
Joined: Oct 7, 2024 12:24:25 GMT -5
Posts: 0
|
Post by Deleted on Feb 21, 2016 15:01:06 GMT -5
You can get a nanodegree in some IT subjects and they will guarantee you a job when you graduate. That would get you an up to date certificate in some area of IT again and while the job might not be the one you want, it would give you a starting point. www.udacity.com/nanodegree/plusYou can learn a lot of IT stuff online for free if that is where you are wanting to go.
|
|
debthaven
Senior Associate
Joined: Apr 7, 2015 15:26:39 GMT -5
Posts: 10,608
|
Post by debthaven on Feb 21, 2016 17:09:31 GMT -5
You say you have to be at the store ALL THE TIME to get your DH's disability, because your DH is not allowed to be in charge or alone. So it seems like THAT is your priority now, and NOT your job search.
IF that is the case, then why are you even applying to jobs right now, if you can't go on a job interview and leave DH in charge of the store long enough for your to go on interviews? Let alone retraining.
You are contradicting yourself.
I'm not an IT person but I think 7 years is a VERY LONG time to be away from that field.
Have you even looked into tutoring or teaching Russian / Polish at a community college?
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 22, 2016 10:45:45 GMT -5
You can get a nanodegree in some IT subjects and they will guarantee you a job when you graduate. That would get you an up to date certificate in some area of IT again and while the job might not be the one you want, it would give you a starting point. www.udacity.com/nanodegree/plusYou can learn a lot of IT stuff online for free if that is where you are wanting to go. I am already corresponding with hem. Never heard of it until you. Thanks
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 22, 2016 10:46:39 GMT -5
What did you do running the store? Place orders for food from vendors? You anticipated activity and were able to produce deliverables on time. Now think about the rest of your duties and try to figure out how those skills translate. I would be so glad if anyone could come up with IT vs selling fruits correlation.
|
|
Deleted
Joined: Oct 7, 2024 12:24:25 GMT -5
Posts: 0
|
Post by Deleted on Feb 22, 2016 10:53:24 GMT -5
What did you do running the store? Place orders for food from vendors? You anticipated activity and were able to produce deliverables on time. Now think about the rest of your duties and try to figure out how those skills translate. I would be so glad if anyone could come up with IT vs selling fruits correlation. Well, let's see here...on the job description for an IT position where I work these things are listed... Strong written and verbal communication, interpersonal, and customer-service skills: Strong communication and interpersonal skills with the ability to act as a resource for, provide customer service in a courteous manner to, and work effectively with diverse groups of people at various levels within an organization. Writing skills sufficient to compose and edit a variety of documents using correct spelling, grammar, and punctuation, with the ability to pay close attention to detail and proofread work carefully. Ability to work accurately, with interruptions, to meet deadlines: Ability to work in a flexible way that allows for changes in assignments and priorities depending upon identified needs of the unit. Good organizational, time management, customer service and problem-solving skills and the ability to work accurately and meet deadlines with frequent interruptions: Organizational skills sufficient to prioritize work and complete assignments accurately, either independently or as part of a team, under pressure of competing deadlines and with frequent interruptions, working from own initiative and/or following direction, policies, or procedures. Ability to identify customer needs and maintain and support a customer service philosophy. Ability to use analytical and decision-making skills to offer options and resolve problems in a variety of contexts. Ability to work well independently as well as part of a team: Ability to work in a flexible way that allows for changes in assignments and priorities depending upon identified needs of the unit. Ability to exercise flexibility, initiative, good judgment and discretion: Ability to exercise good judgment and discretion in handling confidential materials and matters. Flexibility to work effectively in a changing environment. Ability to adapt to changes in work environment, work assignments, and/or changes in priorities. Skills sufficient to maintain productivity in a fast-paced environment undergoing organizational changes.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 22, 2016 11:04:12 GMT -5
I would be so glad if anyone could come up with IT vs selling fruits correlation. Well, let's see here...on the job description for an IT position where I work these things are listed... Strong written and verbal communication, interpersonal, and customer-service skills: Strong communication and interpersonal skills with the ability to act as a resource for, provide customer service in a courteous manner to, and work effectively with diverse groups of people at various levels within an organization. Writing skills sufficient to compose and edit a variety of documents using correct spelling, grammar, and punctuation, with the ability to pay close attention to detail and proofread work carefully. Ability to work accurately, with interruptions, to meet deadlines: Ability to work in a flexible way that allows for changes in assignments and priorities depending upon identified needs of the unit. Good organizational, time management, customer service and problem-solving skills and the ability to work accurately and meet deadlines with frequent interruptions: Organizational skills sufficient to prioritize work and complete assignments accurately, either independently or as part of a team, under pressure of competing deadlines and with frequent interruptions, working from own initiative and/or following direction, policies, or procedures. Ability to identify customer needs and maintain and support a customer service philosophy. Ability to use analytical and decision-making skills to offer options and resolve problems in a variety of contexts. Ability to work well independently as well as part of a team: Ability to work in a flexible way that allows for changes in assignments and priorities depending upon identified needs of the unit. Ability to exercise flexibility, initiative, good judgment and discretion: Ability to exercise good judgment and discretion in handling confidential materials and matters. Flexibility to work effectively in a changing environment. Ability to adapt to changes in work environment, work assignments, and/or changes in priorities. Skills sufficient to maintain productivity in a fast-paced environment undergoing organizational changes. Do we have an icon of exploding brain? I am impressed. However can't figure how to stick it into vegetable part of the resume...
Strong written and verbal communication, interpersonal, and customer-service skills...in negotiation of the price of the produce?
Ability to work well independently as well as part of a team...as doing what? Running cash register with or without a partner?
I honestly don't understand...
|
|
Deleted
Joined: Oct 7, 2024 12:24:25 GMT -5
Posts: 0
|
Post by Deleted on Feb 22, 2016 11:07:42 GMT -5
Well, let's see here...on the job description for an IT position where I work these things are listed... Strong written and verbal communication, interpersonal, and customer-service skills: Strong communication and interpersonal skills with the ability to act as a resource for, provide customer service in a courteous manner to, and work effectively with diverse groups of people at various levels within an organization. Writing skills sufficient to compose and edit a variety of documents using correct spelling, grammar, and punctuation, with the ability to pay close attention to detail and proofread work carefully. Ability to work accurately, with interruptions, to meet deadlines: Ability to work in a flexible way that allows for changes in assignments and priorities depending upon identified needs of the unit. Good organizational, time management, customer service and problem-solving skills and the ability to work accurately and meet deadlines with frequent interruptions: Organizational skills sufficient to prioritize work and complete assignments accurately, either independently or as part of a team, under pressure of competing deadlines and with frequent interruptions, working from own initiative and/or following direction, policies, or procedures. Ability to identify customer needs and maintain and support a customer service philosophy. Ability to use analytical and decision-making skills to offer options and resolve problems in a variety of contexts. Ability to work well independently as well as part of a team: Ability to work in a flexible way that allows for changes in assignments and priorities depending upon identified needs of the unit. Ability to exercise flexibility, initiative, good judgment and discretion: Ability to exercise good judgment and discretion in handling confidential materials and matters. Flexibility to work effectively in a changing environment. Ability to adapt to changes in work environment, work assignments, and/or changes in priorities. Skills sufficient to maintain productivity in a fast-paced environment undergoing organizational changes. Do we have an icon of exploding brain? I am impressed. However can't figure how to stick it into vegetable part of the resume...
Strong written and verbal communication, interpersonal, and customer-service skills...in negotiation of the price of the produce?
Ability to work well independently as well as part of a team...as doing what? Running cash register with or without a partner?
I honestly don't understand...
You really don't see how you need to have these skills as a business owner? Customer service? Ability to work well independently? Flexibility? Initiative? It seems like a small business owner would be way ahead of the game on these things.
|
|
|
Post by The Walk of the Penguin Mich on Feb 22, 2016 11:12:12 GMT -5
Do we have an icon of exploding brain? I am impressed. However can't figure how to stick it into vegetable part of the resume...
Strong written and verbal communication, interpersonal, and customer-service skills...in negotiation of the price of the produce?
Ability to work well independently as well as part of a team...as doing what? Running cash register with or without a partner?
I honestly don't understand...
You really don't see how you need to have these skills as a business owner? Customer service? Ability to work well independently? Flexibility? Initiative? It seems like a small business owner would be way ahead of the game on these things. You'd think so. OTOH, if they can't figure this out, then maybe they aren't capable.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 22, 2016 13:52:57 GMT -5
Do we have an icon of exploding brain? I am impressed. However can't figure how to stick it into vegetable part of the resume...
Strong written and verbal communication, interpersonal, and customer-service skills...in negotiation of the price of the produce?
Ability to work well independently as well as part of a team...as doing what? Running cash register with or without a partner?
I honestly don't understand...
You really don't see how you need to have these skills as a business owner? Customer service? Ability to work well independently? Flexibility? Initiative? It seems like a small business owner would be way ahead of the game on these things. In IT we need to be able to think logically and sit all day trying to write some reports, documentation and listen to a project leader, hardly ever show initiative. I still don't see how to incorporate it into my resume. Let's say I have 2 pages of created Crystal Reports created Access reports created Excel reports sold fruits and vegetables (and wrote reports about it? )
Seriously. Thanks
|
|
CCL
Junior Associate
Joined: Jan 4, 2011 19:34:47 GMT -5
Posts: 7,711
|
Post by CCL on Feb 22, 2016 17:02:02 GMT -5
Don't they have an unemployment or workforce development office in your area? Around here, you don't necessarily have to be unemployed. They can help you with training, resumes, job skills, etc. They offer lots of resources for free.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 27, 2016 12:10:43 GMT -5
You really don't see how you need to have these skills as a business owner? Customer service? Ability to work well independently? Flexibility? Initiative? It seems like a small business owner would be way ahead of the game on these things. In IT we need to be able to think logically and sit all day trying to write some reports, documentation and listen to a project leader, hardly ever show initiative. I still don't see how to incorporate it into my resume. Let's say I have 2 pages of created Crystal Reports created Access reports created Excel reports sold fruits and vegetables (and wrote reports about it? )
Seriously. Thanks
I was actually hoping you will continue until I get it. Please.
|
|
Deleted
Joined: Oct 7, 2024 12:24:25 GMT -5
Posts: 0
|
Post by Deleted on Feb 27, 2016 12:27:14 GMT -5
My ex started driving for Uber. She makes $100 a day a couple of days a week. I think it is mostly weekend nights.
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 27, 2016 13:25:43 GMT -5
My ex started driving for Uber. She makes $100 a day a couple of days a week. I think it is mostly weekend nights.She must want to get out of you really badly!
|
|
tloonya
Junior Associate
What status?
Joined: Dec 18, 2010 16:22:13 GMT -5
Posts: 8,452
|
Post by tloonya on Feb 27, 2016 13:31:22 GMT -5
She must want to get out of you badly!
|
|