[RBW] Laid off and in a Quandary

['pb' via RBW Owners Bunch]

Wayne, it sounds like you're not asking for advice, but folks are chiming in. 
I'll add my barely two cents worth.

Have you written a monthly family budget, carefully listing all of your 
necessary and elective expenses? Have you written a business plan for the farm 
including a projection of any funds necessary to get started? Have you 
projected your income over the next 12, 24, 36 months?

The answers to many questions will be found in the spreadsheets.

A suggestion from my own experience: I used to use a spreadsheet tab for every 
month's budget. I no longer do that. I now keep an entire year on one page just 
stacking the months one after another in vertical columns. I leave a few blank 
lines scattered  through  the columns,  in anticipation of items that weren't 
listed in the previous months. My wife and I have a meeting on the first 
Wednesday of every month, and by the time we're done with the previous month's 
numbers, we know exactly how that month treated us financially.

Another comment: once you have your budget built, it's easy to run models with 
different assumptions, like reduced income or extra expenses, or dipping into 
your savings on a regular basis over a number of months.

-pb

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Re: [RBW] Laid off and in a Quandary

[Eric Daume]

$1500 or whatever the Clem costs is cheap for a Riv, but expensive for a
bike. If you need a bike, you can pick up something used on CL to tide you
over while your situation hopefully stabilizes. I'm just thinking about the
joke about what the farmer said after he won the lottery: "I guess I'll
just keep farming until the money is gone."... you probably will have a
more immediate need for the money.

Eric

On Mon, Oct 5, 2015 at 12:28 PM, Wayne Naha  wrote:

> Well, a little over a week ago I was laid off from my job, after five and
> a half years.  The falling price of oil has had a sharply negative effect
> in my industry.  There are other jobs in my field, but that would require a
> major relocation.  My wife and I are tired of this, as it would be the
> third such move in a little over a decade.  We are planning to relocate to
> a plot of family land in the middle of BFE Michigan, and start a farm.  Its
> a scary and exciting prospect.  My quandary is that I have a Clem on the
> way, and it isn't paid for yet.  That is, Riv has their money but my credit
> card has a big hole in it!  I have a good introductory deal:  No interest
> for 15 months.  The Clem is the only purchase on the card.  So I figured
> that it would be easy.  But now, of course, I feel differently.  Riv will
> certainly cancel my sale, and someone else will certainly snap up the
> bike.  But I can't let it go just yet.  It feels very selfish of me to want
> to keep the bike, and I am trying to come up with ways to justify it's
> existence in my life.  They ring hollow and I know it's just because the
> bike has been this goal I've worked toward, and in some weird way, feel
> I've earned.  Still, I might feel less stressed if I did just let it go.
> That money will find plenty of other uses.  Anyhow, I don't expect the list
> to have any magic cures, but I just needed to rant.  Thanks for listening.
>
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Re: [RBW] Laid off and in a Quandary

[Jim Bronson]

I've been driving Lyft and Uber on the side to make extra money due to life
circumstances.  I have a fully paid off and pretty much completely
depreciated vehicle so depreciation is not a major hit.  It's nice side
money for about 30-35 hours a week if you're not killing yourself/the
profits with depreciation on a new car.  Much better pay than unemployment,
for sure.  Straight 1099, they don't deduct taxes or anything.

The biggest downside is that your riding will suffer if you end up working
2 jobs as I am now.  I've gone from a 5-7 days a week rider to maybe 1-2.
Of course I always take out my custom Riv when I do get to ride.  :)

On Mon, Oct 5, 2015 at 11:28 AM, Wayne Naha  wrote:

> Well, a little over a week ago I was laid off from my job, after five and
> a half years.  The falling price of oil has had a sharply negative effect
> in my industry.  There are other jobs in my field, but that would require a
> major relocation.  My wife and I are tired of this, as it would be the
> third such move in a little over a decade.  We are planning to relocate to
> a plot of family land in the middle of BFE Michigan, and start a farm.  Its
> a scary and exciting prospect.  My quandary is that I have a Clem on the
> way, and it isn't paid for yet.  That is, Riv has their money but my credit
> card has a big hole in it!  I have a good introductory deal:  No interest
> for 15 months.  The Clem is the only purchase on the card.  So I figured
> that it would be easy.  But now, of course, I feel differently.  Riv will
> certainly cancel my sale, and someone else will certainly snap up the
> bike.  But I can't let it go just yet.  It feels very selfish of me to want
> to keep the bike, and I am trying to come up with ways to justify it's
> existence in my life.  They ring hollow and I know it's just because the
> bike has been this goal I've worked toward, and in some weird way, feel
> I've earned.  Still, I might feel less stressed if I did just let it go.
> That money will find plenty of other uses.  Anyhow, I don't expect the list
> to have any magic cures, but I just needed to rant.  Thanks for listening.
>
> --
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Re: [RBW] Laid off and in a Quandary

[Reid]

Starting a farm is not such a bad idea. An Ex of mine and her current hubby 
started a farm where they grow organic veggies. This is a few miles north 
of Duluth Minnesota! They have people subscribe ahead of time and then 
deliver a "basket" of whatever is in season every couple weeks (I think, 
could be wrong about that part). It's a fairly popular business model these 
days, although I can't remember the official term for it, but you should be 
able to find info about it on the web. They have been very successful as 
the idea is very popular with the nearby (20 miles or so) city folks.

Best of luck with whatever you choose to do.

Reid

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Re: [RBW] Laid off and in a Quandary

[cyclotour...@gmail.com]

Sounds like the CSA model: http://www.localharvest.org/csa/ 

We belong to one, and it's great.


On Monday, October 5, 2015 at 2:54:33 PM UTC-7, Reid wrote:
>
> Starting a farm is not such a bad idea. An Ex of mine and her current 
> hubby started a farm where they grow organic veggies. This is a few miles 
> north of Duluth Minnesota! They have people subscribe ahead of time and 
> then deliver a "basket" of whatever is in season every couple weeks (I 
> think, could be wrong about that part). It's a fairly popular business 
> model these days, although I can't remember the official term for it, but 
> you should be able to find info about it on the web. They have been very 
> successful as the idea is very popular with the nearby (20 miles or so) 
> city folks.
>
> Best of luck with whatever you choose to do.
>
> Reid
>
>

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Re: [RBW] Laid off and in a Quandary

[Patrick Moore]

Wayne: as someone who has lived hand to mouth, working for myself, I at
once sympathize with your and envy you. After having done so very may jobs
in my checkered career -- business ethics consulting, public relations,
marketing, fundraising, accounting, administrator for a conservative
synagogue (!!!), insurance salesman, small business management, day
laborer, middle school teacher, projects manager (small scale, for not for
profit), and general layabout, I have to say that a prosperous subsistence
farm looks to me like a very satisfying alternative, and a choice that is
far closer to any real human need than 999/1000's of the things people do
nowadays for cash.

I am completely serious: subsistence farming (the Amish, I hear, are
subsistence farmers -- subsistence farming doesn't mean scratching a hole
in the ground with a stick) seems to me to be very high on the scale of
worthwhile human activity. Bicycle shop work is certainly higher in the
scale of true human usefulness than 998/1000's of what people do for a
living -- computer programming, stockbroking, politics, insurance, banking,
app invention, marketing, media, running social media companies, managing
Fortune 50(fifty, not 500) companies, and, given the state of academia and
public service today, most education and bureaucracy. I am dead serious
about this.

I write resumes for expensive people. I'm not first tier -- I don't write
$3K resumes for global CEOs, but I am certainly 3d tier: I am presently
writing a resume for a $200K/yr Ex Assist to global CEOs, and I've written
many for Divisional VPs and international functional executives in NA,
Europe, Asia, ME, etc etc. They make much more $ than I, but I don't have
to do their jobs, for which I thank God.

That said, your family comes first, and if the Clem compromises their
welfare, well then ... OTOH, if it doesn't, and it means you don't drive as
much, well then, too ...

On Mon, Oct 5, 2015 at 10:28 AM, Wayne Naha  wrote:

> Well, a little over a week ago I was laid off from my job, after five and
> a half years.  The falling price of oil has had a sharply negative effect
> in my industry.  There are other jobs in my field, but that would require a
> major relocation.  My wife and I are tired of this, as it would be the
> third such move in a little over a decade.  We are planning to relocate to
> a plot of family land in the middle of BFE Michigan, and start a farm.  Its
> a scary and exciting prospect.  My quandary is that I have a Clem on the
> way, and it isn't paid for yet.  That is, Riv has their money but my credit
> card has a big hole in it!  I have a good introductory deal:  No interest
> for 15 months.  The Clem is the only purchase on the card.  So I figured
> that it would be easy.  But now, of course, I feel differently.  Riv will
> certainly cancel my sale, and someone else will certainly snap up the
> bike.  But I can't let it go just yet.  It feels very selfish of me to want
> to keep the bike, and I am trying to come up with ways to justify it's
> existence in my life.  They ring hollow and I know it's just because the
> bike has been this goal I've worked toward, and in some weird way, feel
> I've earned.  Still, I might feel less stressed if I did just let it go.
> That money will find plenty of other uses.  Anyhow, I don't expect the list
> to have any magic cures, but I just needed to rant.  Thanks for listening.
>
> --
> You received this message because you are subscribed to the Google Groups
> "RBW Owners Bunch" group.
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>



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[RBW] Laid off and in a Quandary

[Wayne Naha]

Well, a little over a week ago I was laid off from my job, after five and a 
half years.  The falling price of oil has had a sharply negative effect in 
my industry.  There are other jobs in my field, but that would require a 
major relocation.  My wife and I are tired of this, as it would be the 
third such move in a little over a decade.  We are planning to relocate to 
a plot of family land in the middle of BFE Michigan, and start a farm.  Its 
a scary and exciting prospect.  My quandary is that I have a Clem on the 
way, and it isn't paid for yet.  That is, Riv has their money but my credit 
card has a big hole in it!  I have a good introductory deal:  No interest 
for 15 months.  The Clem is the only purchase on the card.  So I figured 
that it would be easy.  But now, of course, I feel differently.  Riv will 
certainly cancel my sale, and someone else will certainly snap up the bike. 
 But I can't let it go just yet.  It feels very selfish of me to want to 
keep the bike, and I am trying to come up with ways to justify it's 
existence in my life.  They ring hollow and I know it's just because the 
bike has been this goal I've worked toward, and in some weird way, feel 
I've earned.  Still, I might feel less stressed if I did just let it go. 
 That money will find plenty of other uses.  Anyhow, I don't expect the 
list to have any magic cures, but I just needed to rant.  Thanks for 
listening.

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