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Haifisch posted:I'm sure sufficiently fancy pizzas go well with wine, but I don't imagine trailer oven pizza would make the cut. I mean, pizzas are  . So is wine. As long as it's reasonable quality (and you can absolute do better than like Sbarro grade pizza in a food truck with a suitable oven) that doesn't seem a bad combo.
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Jul 8, 2017 17:17
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Enfys posted:I know I want to spend my retirement working harder for less money and more hassle. If you're retirement age and you don't have enough saved to live out your days what else are you supposed to do? White-collar jobs won't hire anyone your age, retail isn't enough to live on and is an abusive, miserable job 99% of the time. She shouldn't do the 30k pizza training because making pizza is not that hard, but a lot of boomers are looking into small retirement businesses because there aren't really any other options.
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Jul 8, 2017 17:55
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We have the "Tamale Guy" on the westside of Chicago. Dude goes from bar to bar selling tamales out of his coolers at $1 a shot or a bag of them for $5. All home made and delicious. There's even an app to track where he's at through the night (though I've never used it). I've talked to him a few times and he says that he clears about $100k a year doing it. I don't think there's any permits or anything involved, but he's a westside institution and he's met with literal cheers every now and then when he enters a bar. Red cooler. Not blue cooler guy. Blue cooler guy is a copycat and a pale imitation.
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Jul 8, 2017 18:05
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Solice Kirsk posted:We have the "Tamale Guy" on the westside of Chicago. Dude goes from bar to bar selling tamales out of his coolers at $1 a shot or a bag of them for $5. All home made and delicious. There's even an app to track where he's at through the night (though I've never used it). I've talked to him a few times and he says that he clears about $100k a year doing it. I don't think there's any permits or anything involved, but he's a westside institution and he's met with literal cheers every now and then when he enters a bar. Red cooler. Not blue cooler guy. Blue cooler guy is a copycat and a pale imitation. That guy's a legend! My friends tried to make a documentary about him once but he was like "nah."
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Jul 8, 2017 18:14
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If you do what you love you'll never work a day in your life retirement. I'd totally go for running a small business in my retirement as long as I could afford for it to fail. Some people can't stand to sit still. Others can't afford to.
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Jul 8, 2017 20:16
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I'm pretty sure there is a goon lawyer trying to get his taco truck viable because he'd rather make tacos for drunk people every night than keep practicing law. But lawyer is probably one profession where opening a food business will mean working less hours and dealing with less stupid bullshit.
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Jul 8, 2017 23:41
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Ashcans posted:I'm pretty sure there is a goon lawyer trying to get his taco truck viable because he'd rather make tacos for drunk people every night than keep practicing law. CannonFodder fucked around with this message at 04:36 on Jul 9, 2017 |
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Jul 9, 2017 04:30
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Ashcans posted:I'm pretty sure there is a goon lawyer trying to get his taco truck viable because he'd rather make tacos for drunk people every night than keep practicing law. Mr. Nice, and I don't think he has taken the bar yet.
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Jul 9, 2017 04:53
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Which is worse, paying for a JD to go into the restaurant business, or paying a lot of money to not even graduate culinary school and then go into accounting? 27F Should I pursue a BA in Accounting or should I look into something else? quote:I am 27 with a culinary background. I didn't go to college right after high school. I fact I have spent all these years barely scraping by job hoping trying to find something better. Now I want to get my life straight and I think I would like to study accounting. I'm a good student, all A's and B's but I am not great with computers and my resume is crap. I want to study accounting because I have a genuine interest in learning finance and dedicating my life to becoming financially independent. I just went to my first personal finance class and now I'm freaking out. I'm overwhelmed with feeling like I'm so far behind in life where I need to be. I'm afraid of not finding a job because I will be graduating in my thirties with no experience. Can anyone tell me more about the profession and if it's logical for someone of my age and background to pursue it? The comments are fairly decent at steering her in a good direction. Mostly because she put the thread in /accounting instead of /personalfinance edit, and by "I waited 6 years after high school" I think she means she waited tables as a server for 6 years, which means she knows the restaurant well. CannonFodder fucked around with this message at 05:14 on Jul 9, 2017 |
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Jul 9, 2017 05:08
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CannonFodder posted:Which is worse, paying for a JD to go into the restaurant business, or paying a lot of money to not even graduate culinary school and then go into accounting?
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Jul 9, 2017 06:30
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Solice Kirsk posted:We have the "Tamale Guy" on the westside of Chicago. Dude goes from bar to bar selling tamales out of his coolers at $1 a shot or a bag of them for $5. All home made and delicious. There's even an app to track where he's at through the night (though I've never used it). I've talked to him a few times and he says that he clears about $100k a year doing it. I don't think there's any permits or anything involved, but he's a westside institution and he's met with literal cheers every now and then when he enters a bar. Red cooler. Not blue cooler guy. Blue cooler guy is a copycat and a pale imitation. One or both of them usually hit where I do bar trivia on Monday nights and I legitimately never noticed the red cooler/blue cooler difference, huh. I've always wondered why there aren't more copycats around, it's a great setup and totally worth it. I'd probably buy his green salsa if he bottled it too, that stuff's great.
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Jul 9, 2017 07:00
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As far as stable jobs you could certainly do a lot worse.
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Jul 9, 2017 07:06
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Solice Kirsk posted:We have the "Tamale Guy" on the westside of Chicago. Dude goes from bar to bar selling tamales out of his coolers at $1 a shot or a bag of them for $5. All home made and delicious. There's even an app to track where he's at through the night (though I've never used it). I've talked to him a few times and he says that he clears about $100k a year doing it. I don't think there's any permits or anything involved, but he's a westside institution and he's met with literal cheers every now and then when he enters a bar. Red cooler. Not blue cooler guy. Blue cooler guy is a copycat and a pale imitation. His name is Claudio Velez, and he is a pretty awesome guy: https://www.thrillist.com/eat/chicago/tamale-man-chicago-dive-bars-claudio-velez-interview
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Jul 9, 2017 13:45
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Getting a culinary degree is bad with money. Source: I work at a top culinary college and kids have figured it out that its bad with money.
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Jul 9, 2017 14:29
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Photex posted:Getting a culinary degree is bad with money. So much so that it's closing down once this set of students graduates? (At least, Le Cordon Bleu is out in a few years. They did the right thing given they aren't winding down in France, merely stopping new enrollments and this class gets to graduate.)
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Jul 9, 2017 15:18
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Our college saw the writing on the wall and hasn't been marketing itself as a cooking school for the past 6 years so we are ahead of the game with new programs etc etc.
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Jul 9, 2017 17:35
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BigDave posted:His name is Claudio Velez, and he is a pretty awesome guy: https://www.thrillist.com/eat/chicago/tamale-man-chicago-dive-bars-claudio-velez-interview quote:Turbo shares his favorite use for the tamales: “For breakfast, take the cheese ones, chop them up in a pan with some butter, put an egg, salsa, beans if you’ve got 'em, makes a great hash for the next day.” I do this almost every morning if I get tamales the night before. Personally, I cook up some diced potatoes with a packet of sazon instead of beans.
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Jul 9, 2017 17:49
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https://www.reddit.com/r/personalfinance/comments/6m5rkn/low_income_partner_has_broken_down_life_overhaul/quote:My partner is currently unable to work. She was earning around $13,000 per year. She has car payments of $1000 per month, I believe $15,000 remaining. It's really too bad she's gonna have to sell that sweet Maserati....wait, what??? quote:I believe it's a 2012 Subaru Forester
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Jul 9, 2017 20:16
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Motronic posted:https://www.reddit.com/r/personalfinance/comments/6m5rkn/low_income_partner_has_broken_down_life_overhaul/ High interest rate due to bad credit, rolled in one or more underwater loans previously...surprisingly easy to do. If you have good credit and are not an idiot with your finances you could get a BMW on a 60 month term for less than that...and a nice one at that. Whether that would make sense either is another story but 1k/month for a 5 year old Subaru: good god. Used to make 13k/y and has 1k/month car payments, I mean...
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Jul 9, 2017 20:28
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H110Hawk posted:Having a chat with a person next to me on the train and she told me that she wanted to move down near her son's farm in Temecula wine country, buy a pizza oven, and serve pizza on weekends in front of wineries and at the weddings he already hosts at the farm. This was hinging on a company in Colorado which will train you how to make pizza so long as you buy one of their $30,000 wood fired pizza ovens, which she wants to put on a trailer and tow around town bringing pizza to the masses. A $30K pizza oven aside, San Diego County is cracking down on alcohol-related food service really hard right now. It's mostly aimed at breweries, but the laws would apply at wineries as well. Not doing research necessary to ensure the legal operation of your catering/food truck business is definitely BWM.
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Jul 9, 2017 20:56
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Ixian posted:High interest rate due to bad credit, rolled in one or more underwater loans previously...surprisingly easy to do. I'm not sure it's surprisingly easy to do.......who gonna roll in more than double negative equity? So let's say it's a $30k 60 month loan. That puts the interest rate at 32% to make it a $1k payment. I'm not sure that's even legal. Don't minimize how hard you have to try hard to achieve that kind of stupid.
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Jul 9, 2017 21:07
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Sorry for double post, but Reddit's got some good ones today. https://www.reddit.com/r/personalfinance/comments/6m9f67/wild_debt_situation_my_life_was_changed_by_a_rule/ quote:There was a grade replacement rule where I replaced 7 F grades from undergraduate with A's, but they got rid of that and my GPA dropped below the cutoff GPA for most schools. I would think it's pretty hard to not envision failure when your transcript looks like this: FFFFFFF
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Jul 9, 2017 21:18
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Motronic posted:I'm not sure it's surprisingly easy to do.......who gonna roll in more than double negative equity? So let's say it's a $30k 60 month loan. That puts the interest rate at 32% to make it a $1k payment. I'm not sure that's even legal. There are no federal usury laws in the US. 
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Jul 9, 2017 21:24
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22 Eargesplitten posted:There are no federal usury laws in the US. Federally, no. But many states have them. In mine it's 18% for anything under 2 years old and 21% otherwise. So my "not sure that's even legal" is because we don't know what state that is and I sure don't know if there are any states without usury laws for that entirely or if any of them are that high.
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Jul 9, 2017 22:20
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Motronic posted:Federally, no. But many states have them. In mine it's 18% for anything under 2 years old and 21% otherwise. Supreme Court ruling in Marquette v Omaha basically defaults laws to the state the lending institution is in, so banks moved credit cards, auto loan subsidiaries to bank-friendly states like Delaware or South Dakota.
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Jul 9, 2017 22:50
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Motronic posted:Sorry for double post, but Reddit's got some good ones today. I don't understand this. What kind of school just let you replace your F's?
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Jul 9, 2017 23:18
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PCjr sidecar posted:Marquette v Omaha I wish I hadn't just looked that up. How depressing.
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Jul 9, 2017 23:22
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lostleaf posted:I don't understand this. What kind of school just let you replace your F's? Pretty common I think? If you retake the class and pay the tuition twice of course
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Jul 9, 2017 23:27
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Yeah, it's called a delete repeat where I have gone to school. You can only do it so many times.
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Jul 9, 2017 23:52
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But if it was something like that, would they really go "lol jk" a couple of years later?
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Jul 10, 2017 00:10
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I suspect what actually happened is when he was trying to apply for medschools with his delete-repeated undergrad, the medschools all had policies to count ALL the grades on there, even ones that had been replaced. Usually schools with a delete-repeat/overwrite/academic-amnesty policy mention that not every other institution will honor that policy.
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Jul 10, 2017 00:16
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lostleaf posted:I don't understand this. What kind of school just let you replace your F's? I failed a physics class first year undergrad at SFU because I was dumb and had it replaced with the grade from one I took at a later date.
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Jul 10, 2017 03:24
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US MD schools never let you replace a grade. DO schools used to, but they recently changed their policy without any forewarning or grace period which is probably what this post is referring to. Pretty bullshit to be honest. I'm sure a lot of people such as the reddit poster wasted a bunch of time and money already retaking classes.
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Jul 10, 2017 05:56
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So now his only option is to go to med school in the Caribbean and the thread goes full circle 
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Jul 10, 2017 06:30
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They probably did him a favour in the long term. The chances of someone who failed 7 undergrad classes being able to cut the long slog through med school and residency is pretty low, and then he'd have way more than $75k in debt. If your plan is to go to med school, you should probably prioritise classwork at least a little bit.
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Jul 10, 2017 14:54
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Enfys posted:They probably did him a favour in the long term. The chances of someone who failed 7 undergrad classes being able to cut the long slog through med school and residency is pretty low, and then he'd have way more than $75k in debt. potatoducks posted:US MD schools never let you replace a grade. DO schools used to, but they recently changed their policy without any forewarning or grace period which is probably what this post is referring to. Pretty bullshit to be honest. I'm sure a lot of people such as the reddit poster wasted a bunch of time and money already retaking classes.
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Jul 10, 2017 18:03
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Enfys posted:They probably did him a favour in the long term. The chances of someone who failed 7 undergrad classes being able to cut the long slog through med school and residency is pretty low, and then he'd have way more than $75k in debt. I know a number of people who hosed up big in college before getting their poo poo together and becoming great physicians. It's one thing if you just can't handle the workload. It's another if you just got a bit too crazy with your newfound freedom early on before growing up and deciding to do something with your life.
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Jul 10, 2017 18:19
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Now I want to retake some classes to boost my lovely undergraduate GPA.
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Jul 10, 2017 18:21
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If I ever want to get a masters I absolutely have to take more classes to raise my GPA. Or I can go to WGU or some other online degree. It sucks because 20 year old me was a mega shithead at school and 30 year old me would be far better.
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Jul 10, 2017 19:32
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Some schools have "academic renewals" too. After x years out of school you can drop all your Fs presumably for that exact reason. Again, YMMV on whether your new school allows that.
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Jul 10, 2017 19:47
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