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Old 03-03-2011, 05:17 PM   #1
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When it rains.........

So, cliffs notes version to catch you all up....


Lived the corporate life after my 6 years in the USAF... travelled the country, been everywhere, worked everywhere... got married, settled down, climbed the corporate ladder.

dealing with CEO's, CFO's, CTO's of multi-million dollar companies on a daily basis - all the HR crap, employee issues, annual reviews, business travel.... over time it started to suck.

I was out of the house before the kids got up, home an hour before bedtime (if I made it home at all)... missed tons of the fun years of being a dad.

Did really well the past few years, cashed out, bought a small country store - decided to retire from corporate life..

</cliffs notes>

When you go out on your own, there are things you need to deal with.. i.e. health insurance.

Not sure how I was going to address that, but I had coverage and figured I'd get my store up and be ok.. but things take longer, cost more... usual story


After 5 months out of work, funds running dry, store still under construction, bills still need to be paid - so I take on a month-to-month consulting deal... jet off to Australia (wicked cool IMO)

worst time to go - tons of snow.. family not prepared to deal with maintenance on the new building... pipes freeze, snow piles up, etc.etc..



Get home, start getting things under control.. company extends my consulting agreement - working from my office... fawk... my office is now trashed because the family piled crap everywhere while i was gone..

Renovate alternate area in store, build new office, get set up... work from home.... all is well - *(best laid plans of mice and men)

Friday, wifey gets home early, 18" of snow on ground (she has a kick *** toyota Sequoia 4wd, but decides to park in the middle of the parking lot instead of challenging the 18" of snow in the driveway.... same difference)

Steps over snowbank, rolls ankle.. breaks ankle..


spend weekend in hospital.. surgery... 9 screws, 1 plate...




n.o. i.n.s.u.r.e.n.c.e

fawk

fawk

fawk





oh, apparently Fidelity under taxed me



fawk*10


so I'm facing paying medical bills, keeping up on the usual bills, the new construction bills, new bills from the new building... oh, and now federal taxes..

oh - and I usually use my tax return to register cars...


nobody said starting your own business was easy...




Oh.... I bought a 140yr old village store ... been operating since 1865... Just got a bill from the US Treasury department for $198k...


Visit lawyers, accountants (which cost tons), not responsible for the $198k, but had visits by Treasury agents and ATF agents already..

sigh..
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Old 03-03-2011, 05:29 PM   #2
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Re: When it rains.........

It pours. Sorry to hear buddy. Keep your head and the game. The hard part is almost over. You seem like you have worked very hard and it will pay off. Don't give up now. Tell your wife to stay in the Kitchen and she won't break her damn ankle.
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Old 03-03-2011, 05:43 PM   #3
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Re: When it rains.........

It is very hard to start your own business. It doesn't work in your favor, that is for sure.
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Old 03-03-2011, 06:16 PM   #4
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Re: When it rains.........

sorry to hear that,i hope things turn around for you.
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Old 03-03-2011, 06:16 PM   #5
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Re: When it rains.........

and I freaking spelled Insurance wrong!
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Old 03-07-2011, 07:25 PM   #6
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Damn. I hope it gets better. Sounds like it can't get much worse

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Old 03-09-2011, 09:42 AM   #7
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Re: When it rains.........

Well, sucks to hear that. Could be time to burn the store down and collect! lol..kidding. As for as insurance for the wife, will you be looking into state help?
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Old 03-09-2011, 09:58 AM   #8
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Re: When it rains.........

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Well, sucks to hear that. Could be time to burn the store down and collect! lol..kidding. As for as insurance for the wife, will you be looking into state help?
ooohh early! Somebody has some bad feelings about things burning right now.
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Old 03-09-2011, 10:03 AM   #9
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It's a pain in the *** starting your Owen business! Things you have to do/get you don't think about, it seems never ending!
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Old 03-10-2011, 12:26 PM   #10
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It's a pain in the *** starting your Owen business! Things you have to do/get you don't think about, it seems never ending!
Ha....I employ 10 men and various sub-contractors. My payment to the government every month to cover pension and employment insurance and compensation is no less that 10k...... A month. Never mind chasing work then chasing paycheques. It's a saga. My life was so much easier when I just collected a cheque every 2 weeks. The canadian government makes it difficult for business here.

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Old 03-17-2011, 04:41 PM   #11
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Re: When it rains.........

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Ha....I employ 10 men and various sub-contractors. My payment to the government every month to cover pension and employment insurance and compensation is no less that 10k...... A month. Never mind chasing work then chasing paycheques. It's a saga. My life was so much easier when I just collected a cheque every 2 weeks. The canadian government makes it difficult for business here.

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About the same here (government PITA that is).. Finalizing paperwork with lawyer next week, then working on the Liquor license..

Got the bills for the wife's ankle.. $25k ...
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Old 03-17-2011, 04:44 PM   #12
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About the same here (government PITA that is).. Finalizing paperwork with lawyer next week, then working on the Liquor license..

Got the bills for the wife's ankle.. $25k ...
DAMN.....that's enough to almost make you sick. We have covered health care here. You wait in line like everyone else but at least it's covered. And you get seen

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Old 03-17-2011, 08:40 PM   #13
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DAMN.....that's enough to almost make you sick. We have covered health care here. You wait in line like everyone else but at least it's covered. And you get seen

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You damn socialists!

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Old 03-17-2011, 09:41 PM   #14
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DAMN.....that's enough to almost make you sick. We have covered health care here. You wait in line like everyone else but at least it's covered. And you get seen

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Every one gets seen here
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Old 03-17-2011, 09:48 PM   #15
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Every one gets seen here
Sure....and so does your wallet. Whether it's the monthly payment to blue cross or the bill comes in the mail they see ya alright. I live in Detroit for 6 years. I will keep our higher taxes and more expensive gas....America is circling the bowl right now and it's gonna take a century to fix it. I drive half hour outside the city and have the choice of 10 different lakes to go fishing in,and you can actually eat the fish. 2 hrs north and you can take down trophy bucks and 800 lbs black bear. Our country has enough oil to keep us going for a century and clean water forever. I like the simple life here...

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Old 03-17-2011, 09:53 PM   #16
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Re: When it rains.........

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Sure....and so does your wallet. Whether it's the monthly payment to blue cross or the bill comes in the mail they see ya alright. I live in Detroit for 6 years. I will keep our higher taxes and more expensive gas....America is circling the bowl right now and it's gonna take a century to fix it. I drive half hour outside the city and have the choice of 10 different lakes to go fishing in,and you can actually eat the fish. 2 hrs north and you can take down trophy bucks and 800 lbs black bear. Our country has enough oil to keep us going for a century and clean water forever. I like the simple life here...

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Blah blah blah, you still live in Canada. Next.
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Old 03-17-2011, 09:54 PM   #17
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We fish and hunt deer all the time down here, and you can eat them
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Old 03-17-2011, 09:58 PM   #18
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Blah blah blah, you still live in Canada. Next.
Blah blah blah. And you dont. Honestly Nate you have no idea about Canada so I suggest educating yourself before you opening your mouth

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Old 03-17-2011, 09:58 PM   #19
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We fish and hunt deer all the time down here, and you can eat them
Where are you from

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Old 03-17-2011, 09:59 PM   #20
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From New York, have hunted and fished there North Carolina and in Virginia.
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Old 03-17-2011, 10:02 PM   #21
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From New York, have hunted and fished there North Carolina and in Virginia.
I not saying that there isn't still some wilderness left in the states. What I am saying is the populated areas are really populated and taxing the natural resources to no end. I know that the great lakes pump water south at a rate of billions of gallons a day...it's not sustainable.

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Old 03-17-2011, 10:05 PM   #22
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Hence most states sniffer laws. Air pollution. Water use and pollution. It's just too much. Ontario is Canada's most populated province and even their air isn't bad enough to constitute sniffer laws yet

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Old 03-17-2011, 10:05 PM   #23
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Re: When it rains.........

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Blah blah blah. And you dont. Honestly Nate you have no idea about Canada so I suggest educating yourself before you opening your mouth

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Yeah you are right. I didn't grow up in Detroit. I didn't live less than an hour outside of Canada, I didn't pass the ambassador bridge all the time, I don't have family that still lives in that area, my ancestors didn't move from Canada to Port Huron. I don't love hockey, I don't miss getting to watch hockey night in Canada with Don Cherry and his insane suites. You are right, I don't know **** about it up there. Damn
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Old 03-17-2011, 10:06 PM   #24
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To be honest I've never heard of a sniffer law
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Old 03-17-2011, 10:07 PM   #25
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Yeah you are right. I didn't grow up in Detroit. I didn't live less than an hour outside of Canada, I didn't pass the ambassador bridge all the time, I don't have family that still lives in that area, my ancestors didn't move from Canada to Port Huron. I don't love hockey, I don't miss getting to watch hockey night in Canada with Don Cherry and his insane suites. You are right, I don't know **** about it up there. Damn
Ontario is another American state. So your absolutely right. You don't know

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Old 03-17-2011, 10:08 PM   #26
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To be honest I've never heard of a sniffer law
Well I see threads daily on how guys cars didn't pass emissions...your state doesn't have emissions testing?

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Old 03-17-2011, 10:08 PM   #27
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Re: When it rains.........

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Ontario is another American state. So your absolutely right. You don't know

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You crack me up.
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Old 03-17-2011, 10:08 PM   #28
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Well I see threads daily on how guys cars didn't pass emissions...your state doesn't have emissions testing?

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None here
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Old 03-17-2011, 10:09 PM   #29
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Only for newer model cars. Even then they are talking about getting rid of the state inspections
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Old 03-19-2011, 12:30 PM   #30
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Re: When it rains.........

Emissions tests? What are those? I don't see it ever passing down here.
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Old 03-24-2011, 08:37 PM   #31
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Emissions tests? What are those? I don't see it ever passing down here.
We have them in 5 parishes/counties in LA... its b/c of the Plant pollution around here though.
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