Does this comment exclude south of Sante Fe or is that just hearsay from one person's interpretation?
Officially on the website, two big fat x's on Oregon and Colorado.
Early in my 20s I had four pets, three have since passed in the last few years. Last month I added the third box and you know, the first you just don't know what to do with, you can't really bare to see it so I put it up in a corner of a shelf unit that has doors in my office. A few months later I added a second box. A few years later I added this third box.
I don't want to keep hiding? them but I don't know if displaying them is the right move. As I get older I'll have another box to add soon and then a long gap in time hopefully and but I'll cycle through another generation of pets and pain, collecting more boxes and I guess and it feels disrespectful to just store them?
I don't want to see the boxes by themselves but I don't want them in the dark in a bag.
Has another solved this dilemma for themselves?
Whether your go to is goodwill or savers or something else. What are you typically paying for used tshirt/pants etc?
What about a place like Marshalls/TJMaxx are you paying more or the same then thrift stores?
I fell like you can't get anything under $8 if it's new with tags
Anyone try this yet?
I got a brand new 16650u and Epson just bricks it, won't ever allow me to subscribe with the unit even at full price, which is nuts and wasteful. Just charge the other guy and transfer the serial # to my account, not hard.
So instead I'd rather dismantle this down to the motherboard in an attempt to actual use it because fuck Epson. E-waste due to issues like that is super dumb.
$30k is personal debt on personal cards for my business
$100k is CC debt on business cards
A portion of this is short term cash flow, $80k though is pretty much rolling over month after month.
Revenue is approx $850k-900k this year. Retail/Ecomm in Virginia
I had a partial default of $5500 from a $110k LOC a few years ago. That is stopping some lenders. But my situation is far from that bad now.
Large loans out right now are $300k EIDL, $27k matured SBA Express LOC (down from $50k), $135k SBA7a term loan (down from $150k). About $4400/mo in those three bigger loans
Looking for $100-130k term loan to wipe the bad debt away so I have 4 major loans to manage with the business, with the matured LOC falling off end of 2027 or ASAP. Cash positive now, margins are good but debt is sucking a good portion of that out.
Monthly overhead is $55k (Rent/Labor/Inventory/Debt etc)
Revenue is $65-70k/mo, growing 30% YoY with Q3/Q4 looking to continue the trend.
Operational since 2020, with store expansion in 2023 (hence the debt).
Expanding into new promising revenue streams that may add an additional $6-8k/mo just from old stock. First tests and sales the last two weeks are promising and exceeding expectations.
Hoping to consolidate this bad debt into $1600~/mo for the $130k, then focus on the LOC and pay that off so 2027-2032 my debt is $5k/mo in good term loan payments with revenue exceeding $1m by end of 2027. Possibly might do that this year.
I own the business 100%. CC score right now on Citi's website says 727, Credit Karma says 640. When I load the persona card side up I can see credit swings due to utilization of about 100-150 points.
I lost my boy a couple weeks ago ultimately to CHF at 14 years old. We had him for 10 years after getting him in a rehoming situation. He was a good boy to the end.
I'm missing something in my day to day life that I can't seem to place. When I think about him as a cat I feel lost in that, I can't replace what is now missing. But I don't know what is missing. Will another Bengal fill this void when I'm ready? Only a Bengal? What is it about that Bengal of mine that feels like I'll never get from my other cats?
I have two other bonded cats that bring me great joy, but not the same joy my Bengal did.
So I came here to ask, if you were to describe a unique trait you have found in just your Bengal vs other breeds, what is it?
I don't know if I'm missing like, his guttural growl, or his younger years of incessant door jam jumping. Shit, I don't even know if I'm missing younger me and my sadness is coming from getting older and my memories of him and I being younger are a past chapter. I think thats a different conversation.
I don't think I can go find a Bengal and just "replace" him, but I do think the breed offers something special. How do you define that?
I played back in 2003-05, didn't get far as a literal child, level 40-45~. I had my fun dying around Tibia in the early days of the internet. Now I'm just an overworked adult with some spending cash.
I have a plan, I'd like to explore Tibia in the order of major updates, since they provide a history of updates in game now I think going back to 2009. I'm thinking of buying a char so I can explore the maps and map sections without much trouble from OG areas I never ever would have been in as a kid, and then explore new maps/creatures for each update so I can organically compress 20 years of Tibia growth.
Because my time is tight, either it will be a higher level character, probably a Paladin as a favorite, or I thought maybe a slightly lower level with high skills that I don't need to train and I can enjoy going through the levels still, and explore the map, and take tiny bites of Tibia.
What do you think of this idea and what level/voc do you think best suites the goal?
I have a brick & mortar business that I've built over the last 6 years and in a year I need to either end it(aka sell it) or add on five years. Five months from now is when I need to begin paperwork for selling, after I see most of 2026's actual sale data since growth is so speedy.
Revenue is on target to be a million this year for the first time, about 70% retail and 30% online split. I have gone into much debt building the retail portion but the foot traffic, loyalty, branding, location, all of it took time and growth has been exponential. 30% YoY, hitting and beating sales goals every quarter. Good reviews, many many customers I've seen weekly for years.
But the debt...a EIDL, then a home refi, a SBA7a, and short term stuff adds up to $750k ($600k in business related debt, $150k added onto the house equity) if I where to zero out everything and go back to before it all started. The early debt and missteps meant I truly didn't get things under control until last year. The retail portion was a real bitch to build and only started about 4 years ago and only 2025 was profitable at $850k in sales.
Presently, without a need for more hires, overhead without debt payments is $390k/yr for rent/labor/bills and then about $260k for inventory. My debt payments are around $6k/mo and hopefully in a year and a half, pay off two terms of debt and handle just the two large payments EIDL/7a which is $3.7k/mo going into the second 5 years.
Issues: Inventory is non contractual. The source, singular, could poof out of existence, but is unlikely and has been around for a long time and their existence is contractual.
Pros: I am not there day to day. When I am it's enjoyable work. But I can choose not show up for a month and everything be fine.
2026 could exceed expectations and hit $1.2m as a stretch goal without more inventory, just more customers and turn over.
Million dollar revenue and $650k in overhead I think is solid for selling. I think I could get out from underneath the debt from a sale IF 2026 is favorable and offer the 5 year extension to the buyer. Staff is trained, self sufficient.
If I do continue, well, all the hard work is over and by the end of 2032 I'm debt free. Probably do $150k in 2026 and 2027. Get debt payments down to that $3.7k/mo and do $200k/yr after. Bring in $1.3m total by the end of it all in 2032 maybe more as growth continues beyond 1m/yr in sales. Even after taxes on that assumed profit, I'd be at zero debt. I'd enjoy the work and build out management more and more.
But of course, shit could go sideways. Right, nothing is a given. But I'd enjoy life I think