Here's someone's blog I found about working for yourself

[Raineyrocks]

Hi, (Raineyrocks here), some of this article sounds harsh but if you can pick out any good info and use it for yourself, great!   The rest of this page is their article:




Just for fun I recently asked Erin, ?Now that the kids are in summer school, don?t you think it?s about time you went out and got yourself a job? I hate seeing you wallow in unemployment for so long.?

She smiled and said, ?Wow. I have been unemployed a really long time. That?s weird? I like it!?

Neither of us have had jobs since the ?90s (my only job was in 1992), so we?ve been self-employed for quite a while. In our household it?s a running joke for one of us to say to the other, ?Maybe you should get a job, derelict!?

It?s like the scene in The Three Stooges where Moe tells Curly to get a job, and Curly backs away, saying, ?No, please? not that! Anything but that!?

It?s funny that when people reach a certain age, such as after graduating college, they assume it?s time to go out and get a job. But like many things the masses do, just because everyone does it doesn?t mean it?s a good idea. In fact, if you?re reasonably intelligent, getting a job is one of the worst things you can do to support yourself. There are far better ways to make a living than selling yourself into indentured servitude.

Here are some reasons you should do everything in your power to avoid getting a job:

1. Income for dummies.

Getting a job and trading your time for money may seem like a good idea. There?s only one problem with it. It?s stupid! It?s the stupidest way you can possibly generate income! This is truly income for dummies.

Why is getting a job so dumb? Because you only get paid when you?re working. Don?t you see a problem with that, or have you been so thoroughly brainwashed into thinking it?s reasonable and intelligent to only earn income when you?re working? Have you never considered that it might be better to be paid even when you?re not working? Who taught you that you could only earn income while working? Some other brainwashed employee perhaps?

Don?t you think your life would be much easier if you got paid while you were eating, sleeping, and playing with the kids too? Why not get paid 24/7? Get paid whether you work or not. Don?t your plants grow even when you aren?t tending to them? Why not your bank account?

Who cares how many hours you work? Only a handful of people on this entire planet care how much time you spend at the office. Most of us won?t even notice whether you work 6 hours a week or 60. But if you have something of value to provide that matters to us, a number of us will be happy to pull out our wallets and pay you for it. We don?t care about your time ? we only care enough to pay for the value we receive. Do you really care how long it took me to write this article? Would you pay me twice as much if it took me 6 hours vs. only 3?

Non-dummies often start out on the traditional income for dummies path. So don?t feel bad if you?re just now realizing you?ve been suckered. Non-dummies eventually realize that trading time for money is indeed extremely dumb and that there must be a better way. And of course there is a better way. The key is to de-couple your value from your time.

Smart people build systems that generate income 24/7, especially passive income. This can include starting a business, building a web site, becoming an investor, or generating royalty income from creative work. The system delivers the ongoing value to people and generates income from it, and once it?s in motion, it runs continuously whether you tend to it or not. From that moment on, the bulk of your time can be invested in increasing your income (by refining your system or spawning new ones) instead of merely maintaining your income.

This web site is an example of such a system. At the time of this writing, it generates about $9000 a month in income for me (update: $40,000 a month as of 10/31/06), and it isn?t my only income stream either. I write each article just once (fixed time investment), and people can extract value from them year after year. The web server delivers the value, and other systems (most of which I didn?t even build and don?t even understand) collect income and deposit it automatically into my bank account. It?s not perfectly passive, but I love writing and would do it for free anyway. But of course it cost me a lot of money to launch this business, right? Um, yeah, $9 is an awful lot these days (to register the domain name). Everything after that was profit.

Sure it takes some upfront time and effort to design and implement your own income-generating systems. But you don?t have to reinvent the wheel ? feel free to use existing systems like ad networks and affiliate programs. Once you get going, you won?t have to work so many hours to support yourself. Wouldn?t it be nice to be out having dinner with your spouse, knowing that while you?re eating, you?re earning money? If you want to keep working long hours because you enjoy it, go right ahead. If you want to sit around doing nothing, feel free. As long as your system continues delivering value to others, you?ll keep getting paid whether you?re working or not.

Your local bookstore is filled with books containing workable systems others have already designed, tested, and debugged. Nobody is born knowing how to start a business or generate investment income, but you can easily learn it. How long it takes you to figure it out is irrelevant because the time is going to pass anyway. You might as well emerge at some future point as the owner of income-generating systems as opposed to a lifelong wage slave. This isn?t all or nothing. If your system only generates a few hundred dollars a month, that?s a significant step in the right direction.

2. Limited experience.

You might think it?s important to get a job to gain experience. But that?s like saying you should play golf to get experience playing golf. You gain experience from living, regardless of whether you have a job or not. A job only gives you experience at that job, but you gain ?experience? doing just about anything, so that?s no real benefit at all. Sit around doing nothing for a couple years, and you can call yourself an experienced meditator, philosopher, or politician.

The problem with getting experience from a job is that you usually just repeat the same limited experience over and over. You learn a lot in the beginning and then stagnate. This forces you to miss other experiences that would be much more valuable. And if your limited skill set ever becomes obsolete, then your experience won?t be worth squat. In fact, ask yourself what the experience you?re gaining right now will be worth in 20-30 years. Will your job even exist then?

Consider this. Which experience would you rather gain? The knowledge of how to do a specific job really well ? one that you can only monetize by trading your time for money ? or the knowledge of how to enjoy financial abundance for the rest of your life without ever needing a job again? Now I don?t know about you, but I?d rather have the latter experience. That seems a lot more useful in the real world, wouldn?t you say?

3. Lifelong domestication.

Getting a job is like enrolling in a human domestication program. You learn how to be a good pet.

Look around you. Really look. What do you see? Are these the surroundings of a free human being? Or are you living in a cage for unconscious animals? Have you fallen in love with the color beige?

How?s your obedience training coming along? Does your master reward your good behavior? Do you get disciplined if you fail to obey your master?s commands?

Is there any spark of free will left inside you? Or has your conditioning made you a pet for life?

Humans are not meant to be raised in cages. You poor thing?

4. Too many mouths to feed.

Employee income is the most heavily taxed there is. In the USA you can expect that about half your salary will go to taxes. The tax system is designed to disguise how much you?re really giving up because some of those taxes are paid by your employer, and some are deducted from your paycheck. But you can bet that from your employer?s perspective, all of those taxes are considered part of your pay, as well as any other compensation you receive such as benefits. Even the rent for the office space you consume is considered, so you must generate that much more value to cover it. You might feel supported by your corporate environment, but keep in mind that you?re the one paying for it.

Another chunk of your income goes to owners and investors. That?s a lot of mouths to feed.

It isn?t hard to understand why employees pay the most in taxes relative to their income. After all, who has more control over the tax system? Business owners and investors or employees?

You only get paid a fraction of the real value you generate. Your real salary may be more than triple what you?re paid, but most of that money you?ll never see. It goes straight into other people?s pockets.

What a generous person you are!

5. Way too risky.

Many employees believe getting a job is the safest and most secure way to support themselves.

Morons.

Social conditioning is amazing. It?s so good it can even make people believe the exact opposite of the truth.

Does putting yourself in a position where someone else can turn off all your income just by saying two words (?You?re fired?) sound like a safe and secure situation to you? Does having only one income stream honestly sound more secure than having 10?

The idea that a job is the most secure way to generate income is just silly. You can?t have security if you don?t have control, and employees have the least control of anyone. If you?re an employee, then your real job title should be professional gambler.

6. Having an evil bovine master.

When you run into an idiot in the entrepreneurial world, you can turn around and head the other way. When you run into an idiot in the corporate world, you have to turn around and say, ?Sorry, boss.?

Did you know that the word boss comes from the Dutch word baas, which historically means master? Another meaning of the word boss is ?a cow or bovine.? And in many video games, the boss is the evil dude that you have to kill at the end of a level.

So if your boss is really your evil bovine master, then what does that make you? Nothing but a turd in the herd.

Who?s your daddy?

7. Begging for money.

When you want to increase your income, do you have to sit up and beg your master for more money? Does it feel good to be thrown some extra Scooby Snacks now and then?

Or are you free to decide how much you get paid without needing anyone?s permission but your own?

If you have a business and one customer says ?no? to you, you simply say ?next.?

8. An inbred social life.

Many people treat their jobs as their primary social outlet. They hang out with the same people working in the same field. Such incestuous relations are social dead ends. An exciting day includes deep conversations about the company?s switch from Sparkletts to Arrowhead, the delay of Microsoft?s latest operating system, and the unexpected delivery of more Bic pens. Consider what it would be like to go outside and talk to strangers. Ooooh? scary! Better stay inside where it?s safe.

If one of your co-slaves gets sold to another master, do you lose a friend? If you work in a male-dominated field, does that mean you never get to talk to women above the rank of receptionist? Why not decide for yourself whom to socialize with instead of letting your master decide for you? Believe it or not, there are locations on this planet where free people congregate. Just be wary of those jobless folk ? they?re a crazy bunch!

9. Loss of freedom.

It takes a lot of effort to tame a human being into an employee. The first thing you have to do is break the human?s independent will. A good way to do this is to give them a weighty policy manual filled with nonsensical rules and regulations. This leads the new employee to become more obedient, fearing that s/he could be disciplined at any minute for something incomprehensible. Thus, the employee will likely conclude it?s safest to simply obey the master?s commands without question. Stir in some office politics for good measure, and we?ve got a freshly minted mind slave.

As part of their obedience training, employees must be taught how to dress, talk, move, and so on. We can?t very well have employees thinking for themselves, now can we? That would ruin everything.

God forbid you should put a plant on your desk when it?s against the company policy. Oh no, it?s the end of the world! Cindy has a plant on her desk! Summon the enforcers! Send Cindy back for another round of sterility training!

Free human beings think such rules and regulations are silly of course. The only policy they need is: ?Be smart. Be nice. Do what you love. Have fun.?

10. Becoming a coward.

Have you noticed that employed people have an almost endless capacity to whine about problems at their companies? But they don?t really want solutions ? they just want to vent and make excuses why it?s all someone else?s fault. It?s as if getting a job somehow drains all the free will out of people and turns them into spineless cowards. If you can?t call your boss a jerk now and then without fear of getting fired, you?re no longer free. You?ve become your master?s property.

When you work around cowards all day long, don?t you think it?s going to rub off on you? Of course it will. It?s only a matter of time before you sacrifice the noblest parts of your humanity on the altar of fear: first courage? then honesty? then honor and integrity? and finally your independent will. You sold your humanity for nothing but an illusion. And now your greatest fear is discovering the truth of what you?ve become.

I don?t care how badly you?ve been beaten down. It is never too late to regain your courage. Never!

Still want a job?

If you?re currently a well-conditioned, well-behaved employee, your most likely reaction to the above will be defensiveness. It?s all part of the conditioning. But consider that if the above didn?t have a grain of truth to it, you wouldn?t have an emotional reaction at all. This is only a reminder of what you already know. You can deny your cage all you want, but the cage is still there. Perhaps this all happened so gradually that you never noticed it until now? like a lobster enjoying a nice warm bath.

If any of this makes you mad, that?s a step in the right direction. Anger is a higher level of consciousness than apathy, so it?s a lot better than being numb all the time. Any emotion ? even confusion ? is better than apathy. If you work through your feelings instead of repressing them, you?ll soon emerge on the doorstep of courage. And when that happens, you?ll have the will to actually do something about your situation and start living like the powerful human being you were meant to be instead of the domesticated pet you?ve been trained to be.

Happily jobless

What?s the alternative to getting a job? The alternative is to remain happily jobless for life and to generate income through other means. Realize that you earn income by providing value ? not time ? so find a way to provide your best value to others, and charge a fair price for it. One of the simplest and most accessible ways is to start your own business. Whatever work you?d otherwise do via employment, find a way to provide that same value directly to those who will benefit most from it. It takes a bit more time to get going, but your freedom is easily worth the initial investment of time and energy. Then you can buy your own Scooby Snacks for a change.

And of course everything you learn along the way, you can share with others to generate even more value. So even your mistakes can be monetized.

Here are some free resources to help you get started:

The Courage To Live Consciously (article on how to transition to more meaningful work)
Podcast #006 - How to Make Money Without a Job (audio)
Podcast #009 - Kick-start Your Own Business (audio)
Podcast #014 - Embracing Your Passion (audio)
10 Stupid Mistakes Made by the Newly Self-Employed (article)
How to Build a High-Traffic Web Site (or Blog) (article)
How to Make Money From Your Blog (article)
One of the greatest fears you?ll confront is that you may not have any real value to offer others. Maybe being an employee and getting paid by the hour is the best you can do. Maybe you just aren?t worth that much. That line of thinking is all just part of your conditioning. It?s absolute nonsense. As you begin to dump such brainwashing, you?ll soon recognize that you have the ability to provide enormous value to others and that people will gladly pay you for it. There?s only one thing that prevents you from seeing this truth ? fear.

All you really need is the courage to be yourself. Your real value is rooted in who you are, not what you do. The only thing you need actually do is express your real self to the world. You?ve been told all sort of lies as to why you can?t do that. But you?ll never know true happiness and fulfillment until you summon the courage to do it anyway.

The next time someone says to you, ?Get a job,? I suggest you reply as Curly did: ?No, please? not that! Anything but that!? Then poke him right in the eyes.

You already know deep down that getting a job isn?t what you want. So don?t let anyone try to tell you otherwise. Learn to trust your inner wisdom, even if the whole world says you?re wrong and foolish for doing so. Years from now you?ll look back and realize it was one of the best decisions you ever made.

[powerchuter]

Some of the information is correct and useful...
But...
The overall deal is just another scamsite...

[eques]

Yeah, that's a blog entry from Steve Pavlina's website... he's an interesting fellow, to say the least.

Don't have much more to say about that right now, though.

[error]

Some of the information is correct and useful...
But...
The overall deal is just another scamsite...

Steve Pavlina is a scam? Do tell.

[Lex]

Kat posted this article here last year:

http://forum.soulawakenings.com/index.php?topic=4901.0

[Lex]

Yeah, that's a blog entry from Steve Pavlina's website... he's an interesting fellow, to say the least.

Don't have much more to say about that right now, though.

You said a lot about it when Kat posted the article 

[eques]

Yeah, that's a blog entry from Steve Pavlina's website... he's an interesting fellow, to say the least.

Don't have much more to say about that right now, though.

You said a lot about it when Kat posted the article 

See, what more can I say? 

[error]

Way too many scams on the internet....  just registered  about 7 more domain names to expose predatory mortgage lenders throughout the country .

What's a predatory mortgage lender?

[eques]

I'm assuming it's one that stalks desperate would-be homeowners until it can pounce on them with promises of low interest rates.

[PowerPenguin]

The Personal MBA: http://joshkaufman.net/personalmba/

Synopsis:

The Personal MBA (PMBA) is an experiment in educational entrepreneurism. This manifesto will show you how to substantially increase your knowledge of business on your own time and with little cost, all without setting foot inside a classroom.

The PMBA is more flexible than a traditional MBA program, doesn?t involve going into massive debt, and won?t interrupt your income stream for two years. Just set aside some dedicated reading time, pick up a good book, learn as much as you can, and go out and make great things happen.

This sit is essentially a blog that has a good book reading list. I've bought some of the suggested books about marketing thus far, and the suggestions have been quite effective. Some other good free marketing related info can be found at http://www.mainstreetmlm.com/.

In a similar vein, what professional orgs are you all in (TEC/Vistage, Rotary, Kiwanis, etc.)? I'm involved with Rotaract at my university (Rotary for those under 30, essentially), and my dad is in Rotary and Vistage, plus various biomedical professional orgs, including AIRI (a total scam if I've ever seen one!). These groups are great for business networking, allow you to meet some great people, and do important community service.

IMHO, the "multiple streams of income" paradigm is valid, because it allows you to diversify your income, and thus increase your income security should you loose one of your jobs (yes, I will use that dirty word!). Currently, I'm doing several things at once, including a couple of freelance IT jobs, and doing some marketing for various businesses. How many jobs do YOU have?

[eques]

Any lending practice that penalizes a borrower for having lower credit scores.  A prime example is a three year prepayment penalty if a borrower decides to sell or refinance their property within three years---they are penalized for six months of interest tacked on over the mortgage balance.

Borrowers typically have to pay to reduce or eliminate the prepayment penalty with one to two upfront additional points.

See  www.mortgagepredatorylending.com  Be sure to click on the mortgage lender implode link.

Do people sign up because they're desperate and/or because they don't bother to read the fine print?  Or do these lenders change the terms of the loan without notifying the borrower somehow?

If it's the former, bah, hard cheese on the borrowers.  Being desperate sucks, but if you don't read the contract and don't know what you're getting into, I can't see how you could have an excuse if you get screwed up your cornhole.  Sorry, I don't have much sympathy for people who walk around blindly in life.  I want to help, but first they have to open their eyes.

If it's the latter, well, isn't that the sort of thing you could file charges for?  I mean, that sort of thing is practically evil--most certainly wrong and in violation of contract.

And what is the problem with penalizing a borrower for having lower credit scores?  I mean, if a credit score is an accurate measure of lending risk (which is definitely up for debate), then to mitigate the risk, the lender has to make the loan less attractive and/or make it such that they have recourse to cover damages if the loan is defaulted on.  Early prepayment isn't a default, and that's a skeevy practice, but if you signed the contract, why are you complaining?

[eques]

Why should a borrower have to remember anything?  He should have a copy of the loan agreement.  If he wants to make a change to the status of the loan, he should consult the agreement, and then consult with the creditor.

Isn't the latter some form of breach of contract?  Aren't there generally conditions in loan agreements which dictate the obligations of the lender and the borrower if the debt is resold?

[error]

Remind me to never borrow money to buy a house.

[eques]

Remind me to never borrow money to buy a house.

Just get yourself about 20 avoirdupois pounds of gold and you can buy one outright.

Of course, maybe you'll want to keep 20lbs of gold...

[Dreepa]

Remind me to never borrow money to buy a house.

if you have good credit and go thru a credit union you should have no problems.

Of course the NH house just voted to raise the 'transfer tax' for buyer and seller.