Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Do you think you will lose your job because of the economy?

Collapse
This is a sticky topic.
X
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #76
    I lost my business when the economy went south. My customers quit paying their bills and I could no longer afford mine. We closed our doors in early 2009.

    I was able to get a new job a few months later, but in the same industry- which I'm now thinking was not the smartest idea. I'm barely making ends meet with this job. My pay is commission-based, and when customers don't order or don't pay their bills I don't get paid any commission. It's better than nothing, but still a lot of work for the money I make. I don't even want to calculate my hourly rate.

    All of that said, I'm now going back to school! Looking forward to starting school in the fall to finish my degree. When I get out (in three years) I should be much more marketable. I had a nice opportunity last week until they found out that I have no degree.

    Comment


    • #77
      Just be careful with the student loan debt fireworks if you are taking any on. Hopefully you either have the GI bill or some other reasonable means to take care of college without the dreaded debt.

      Good luck
      The essence of freedom is the proper limitation of Government

      Comment


      • #78
        Just chiming in to say banca rotta is right ... I took on too much student loan debt and I have no idea when it will be paid off. Saying "I will pay off my student loans some day" to me is kind of like saying "I will take a cruise around the world some day" - possible, but not likely.

        As for the topic at hand, I also work in a university, so does my DH. He was a fairly recent hire and so his job is not the most secure, however he is very well liked and I believe they'll find a way to keep him. My job is paid for by a grant that will run out in a few months unless new funding is forthcoming, so I'm in finger-crossing mode.
        Filed: August, 2003
        Discharged: Thanksgiving Eve, 2003

        Total Consumer Debt Granted Since BK: $6,100
        Total Consumer Debt Left to Pay Off: $1,300 (Plus $50K+ in Student Loans ... )

        Comment


        • #79
          We're safe. I'm a waitress so no matter how bad the economy gets people do still go out to eat. Business has slowed a little but not much. Boyfriend is a mechanic so he is very secure especially with more and more people keeping the cars they have and not as many people buying a new one every few years.

          Comment


          • #80
            Originally posted by Jackdog View Post
            We're safe. I'm a waitress so no matter how bad the economy gets people do still go out to eat. Business has slowed a little but not much. Boyfriend is a mechanic so he is very secure especially with more and more people keeping the cars they have and not as many people buying a new one every few years.

            I used to think this too. I think a better way to put it is "we're lucky". I am very glad you are lucky, but I don't think anyone is safe not even some of the wealthy.
            The essence of freedom is the proper limitation of Government

            Comment


            • #81
              The company I work for opened quite a few stores last year and will be opening at least 3 more this year. They also added a new position in the accounting dept and gave everyone at least a 3% raise in 2009 and a 2.5% raise this year. I don't have to worry about losing my job because of the economy.

              Comment


              • #82
                Unemployment rate is definitely increasing and we can really feel that we are having a bad economy nowadays. But I would say that there are a ton of little part time jobs out there, and hardly any educational administrative jobs within a reasonable commute.

                Comment


                • #83
                  Lost my job last month. Replaced by someone they could pay less. Par for the course!
                  Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
                  Who it was we were below, where we've been and where we go

                  Comment


                  • #84
                    Sorry to read that AMISLANDER. Me too...I'm in a mess...my brother hasn't lost his job yet, just more and more furlough days for him (unpaid of course).

                    Some folks are doing this:



                    Excerpt from The Athens Banner:

                    The three men started making chicken tractors about a month ago to make a little extra money in the sluggish economy.

                    Wade lost his job working on tractor trailers because of a lack of business and while Maxwell, a decorative concrete finisher, and Gibson, a carpenter, still have jobs, they say they have less work than usual.

                    They sell the tractors - usually priced around $150 to $200 - from the side of U.S. Highway 441 just inside the Nicholson city limits, and say they regularly run out of coops.

                    "We did not foresee the amount of people who were looking for them," Maxwell said. "People wanted chickens in their backyards."
                    Backyard farmers flock to a new twist on the chicken coop
                    http://www.onlineathens.com/stories/...34535886.shtml

                    I'm wondering if I need to do like Bruce Campbell says: "The way I see it #65: If you're worried about getting a job--or keeping one---start a company of your own. By doing so, you'll reap the rewards of your hard work and you'll only fired if you fail. This is the land of opportunity. Live in it."

                    According to one commenter about the chicken coops, the materials don't cost much and the markup is high: "$20 of materials may have even been a bit high. After taking a good look at the photo, there's not more than $15 worth of materials in each one. Rip your 2x4's, buy your roll of wire, hardi-board, screws and nails and crank 'em out. No more than $15 - $25 tops in materials and an hour of labor. Plans are on the internet. Google the plans, take your $20 to Lowes and get your materials, and make your chicken coops. Save $180!"

                    http://forums2.gardenweb.com/forums/...021337003.html

                    http://hubpages.com/hub/Chicken-Tractors




                    If it's just for yourself and your family, you can just raise all the veggies you can eat and sell the surplus. Just charge 30% less than the stores and you'll sell all you can raise.

                    You could supply every restaurant for miles around. Organically grown fresh garden vegetable taste ever so much better than those trucked in from out-of-state. Tomatoes, alone, grown in real soil, locally, have a taste no industrial tomato factory can match. Organic Gardening has had several articles about people who make a good living growing nothing but tomatoes.

                    Say you have a fairly large garden space of 100x100 feet. For an initial investment of a few hundred dollars, you could lay out a couple of hundred tires which could compete with any wholesale seller of vegetables.

                    I'm not going to teach you how to garden. Your library has dozens of good books covering every step of the art. I might suggest, however, that you specialize in just three or four vegetables, get a reputation for quality and freshness and make an excellent living growing and selling them. But you might rather sell tire gardens themselves. Start with 10 tires, four cages (two for tomatoes, one for cucumbers and one for squash). Add the planting medium.

                    The tires cost nothing. The cages cost $4.08. The planting medium (two parts soil to one part compost) may cost up to $5.00 per tire, or considerably less. Paint, may be a dollar, and your materials cost is under $60.00. Of course, there's labor. But if you have a couple of buddies, or make it a family business and sell the 10 tire complete gardens for $250.00, you'd get about $190.00 profit or more. Aside from processing, delivery and setup shouldn't take more than a couple of hours.

                    Marketing tire gardens is easy.

                    They would sell mainly to older people who couldn't go get the tires, cut them and fill them but would be delighted to plant, care for and harvest them. Most older people would shell out $250.00 in a minute to insure a large portion of their food for the rest of their lives.

                    So even if you don't appreciate this idea, older people will. And there will be a market for all the tire gardens you can produce. But there are a lot of mature young people, too. Not all of them are physical enough to gather the materials for the gardens but would welcome them ready-made.

                    It's no trouble to get soil and compost. Look up "landscaping" in your Yellow Pages. They'll deliver soil at well under 50 cents a cubic foot, compost and whatever you need, by the truckload. If you just want to set up a tire garden for yourself, your local nursery and garden supply can sell you everything you need at a reasonable cost.

                    To run such a business, all you need is the simple, cheap and easily available equipment described in this article. You will also need a standard pickup truck, which you may already have. If you don't have one, get one. If you drive a car, trade it in for a pickup. If you're going into any kind of business involving hauling, you need a pickup, anyway.

                    Now to selling the service.

                    First you set up sample tire gardens, featuring all the ideas in this article and ideas you will come up with. You might even stock a supply of bedding plants, seeds, garden tools, etc., when you've become established. But with your sample gardens, it would be best to have them already started, plants and all. Then contact your local newspaper and they'll be glad to do a feature story.

                    Put an ad in the same issue saying, "Come and see our tire gardens and let us set up one for you! " People will start coming around and you'll have all the business you can handle from then on.

                    Don't be afraid others will compete with you. You'll have the jump on any competition if you do a good job, and people will choose you over the competition.
                    --Kurt Saxon

                    PS-I'm posting this stuff for me as much as anyone else. I've got a lot of problems right now, health and economic wise, and also, since I'm not posting in the news forum, I didn't feel the need to post the whole news article or the whole piece by Kurt Saxon, or all the quotes ever made by Bruce Campbell. I'm just trying to help myself and maybe someone else might be able to use some of the information. I'm not posting conspiracy theories or engaging in an ad hom attack.

                    Comment


                    • #85
                      Originally posted by HRx View Post
                      Share your feelings...
                      I did in Sept 2008, after 13 years there!
                      Retained lawyer 5/18/10
                      Stopped paying CC 5/21/10
                      Looking to File Ch7 in July, once we pay the Atty

                      Comment


                      • #86
                        http://www.latimes.com/business/la-f...,3748074.story

                        Comment


                        • #87
                          poll question is incomplete !!!

                          This Poll question is missing a key word ? Didn't anyone proof-read it ?


                          Poll: Do you think you will lose your because of the economy?

                          Poll Options
                          Do you think you will lose your because of the economy?
                          Yes
                          No
                          Maybe
                          Already Did

                          Comment


                          • #88
                            I want to read your story but I cant find it ?

                            Comment


                            • #89
                              Yes

                              If your job uses the internet...think again. Manufacturing was the beginning. If someone had English as a required language growing up, and has Internet, you have a problem. The day will come when even financial planners in the US will be traded for financial planners in India, watching the global market, at 1/8 the commission. We are stupid in this country to think we can outsource one level, as solution, given what we see on the globe.

                              Comment


                              • #90
                                Lost my job and my business, my husband lost his job and his business, my son lost his job and his business, we are all three in bankruptcy, employees who had been with us for over 20 years are now unemployed in their 50s and 60s, 15 businesses and suppliers that worked with us for over 20 years are in distress and laying off their employees, at least two smaller banks are damaged. We went from a net worth in seven figures to nothing but social security and a small annuity when a big bank cut off a guaranteed loan on a great construction project at the 85% complete stage and apparently aided a a con game being perpetrated by a lawyer who had been fired by one of the previous owners of the property who had sold his interest and was carrying back part of the purchase price. At least we have a small income and our health. Looking toward living in a travel trailer when the bankruptcy is cleaned up, but the younger people who worked for us and can't find a job don't have that option. One of the ones bankrupted by the scheme says his wife is making threats of suicide.

                                Comment

                                Unconfigured Ad Widget

                                Collapse
                                Working...
                                X