Financial Advice Plz?

[Sippi]

Well I'm am about 6 days away from turning 21 and I am unemployed rite now and while looking for jobs I found two jobs. One is ok and will pay the bills the other sounds to good to be true.

So job A. Is a shampoo bottling company that pays 8.35 an hour and promises 40+ hours a week. Day shift.

And job B is tha to good to be true there has to be a catch that i am missin plz help?

Job B - A carpet cleaning service who trains u and supplies the tools job and everything else except a vehicle. He gives u jobs and u take 35% of ur total for the day. (Ex. 750 < 35% = like 250-260 for the day)

But I'm pretty much an independent contractor from wat my mother tells me she says not to do this cuz I will get screwed on taxes cuz I'll be the one responsible. If I am gonna take this job couldn't I just keep all my receipt(sp?) organized take it to H&R block and let them do it? Wat are the down sides to job B? These are my job choices as of rite now and not sure which one to take?


Opinions are welcome of course I'm just wondering how much of a headache this is gonna be? Plz help?

[Ford DNA]

No offense, but your mom is confused. ;)

Just save your pay stubs and have someone do the work for you. Make sure you are putting money away throughout the year for this.

You'll also need to pay into Social Security.

The thing about independent contractor work is that you have no employee rights since you are technically not an employee. Nothing is guaranteed.

If I'm missing anything, hopefully someone else will chime in. I've only done independent contract work a few hours a week, typically one time jobs.

[shinysideup]

!.On "B" you will have higher taxes and have to pay all your soc sec/medicare yourself(on a job empl pays 50%)
2>You will pay estimated taxes quarterly in advance to uncle sam. You dont get to wait till end and holds it all(penalties!)
3.You are not being guaranteed hours and your paycheck will be erratic.
My advice to you is take "A" and learn some things.

Better yet, learn a TRADE like your uncle Pat said. Start at the bottom as a plumber/electrician etc,not at a shampoo manufacturer. You will always find work wherever you my roam.

[91Notch]

But 8.35 an hour? Can you really make a living off that. I mean after taxes and shit take home would probably only be about 250.00 a week.

[shinysideup]

He lives with Mom.

[Ford DNA]

If you can even MAKE IT with $8/hr, you'll never get ahead.

If it was me, I'd take option B while looking for something more stable.

[Ford DNA]

He lives with Mom.

For $8/hr, he'll have to live with mom.

[95coBraSVT]

I am all for learning a trade also. Long ago, I learned how to weld. I was a certified welder for about 10 years, maybe more. I forget now. But anyway, my point is this: When I moved here to Floriduh, I couldn't find a job managing apartments. Thats what I had been doing for the last 8 years, and I figured it should have been easy. Not so. As my funds grew smaller and smaller, I opened my own business. A karate school. Well, it did ok fo rthe first 1st year, but the 2nd year it floundered due to being opened in an area that was not very populated. So I moved it. In the interum, I had to find regular work, and McDonalds wouldn't cut it. So I went back to what made me money in the past. Welding. Now, for me, welding can be deadly as I found out a few years ago when I had a full lung collapse. I kept welding and had another collapse, which ended my welding career. I haven't had a partial or full collapse since getting out of welding. But I did it for a short while. About 3 months here in Floriduh, until I found a better paying job where I could work smarter, and not harder. A skilled worker will always have work when they need it. Cleaning carpets is not a good market to be in IN MY OPINION. Far too competitive, and even thought he company says they will provide you the tools, the carpet cleaner IS the tool! And they don't provide you the vehicle? Well, how do you propose to get that carpet cleaner around? I had my carpets cleaned by someone with a cleaner that was loaded into their minivan once. Not mounted, but a portable unit just loaded in there. Never again. NEVER! I will only pay someone to clean my carpets if they have a van MOUNTED carpet cleaner.

My advise: Get a job doing ANYTHING that is not paid on commission. A job that any idiot could do. Then go to night school or trade school and learn a trade. Then get into a union. Then sit around while the laborors do all the real work and get paid twice as much. :D

[limegreenneon]

For $8/hr, he'll have to live with mom.

And i know what that's like

[91Notch]

And i know what that's like

I think we all have been in that position sometime in our life right?

[Ford DNA]

I loved living with my mom!! Hell we even worked together. It was awesome!

[Sippi]

Yes I live with mom
Yes 250 a week would pay my bills but would stretch me so tite I could shit a diamond!
And i know a trade i've been in plumbing a year but nobody is hiring rite now once I lost my job I went to at least 15 plumbing services and nobodys hiring!!!!

[**CHRIS**]

My advice is to take job A for now and in your spare time look for something better like plumbing jobs.

Try Billy the Sunshine Plumbers, they are always hiring I think.

The obvious drawbacks to job B are:

1: You'll need your own vehicle, which will need maint. (brake jobs, oil changes, bigger issues) and they will not care how far they send you.

2: Gas money will come out of your pocket, not theirs.. and at $3.30 a gallon and rising for regular unleaded well you do the math.

3: The taxes thing Shiny Upside already mentioned. Being a sub-contractor means you are responsible for paying your own taxes, health care, dental plan all of that.

4: All of the above things cost money, so while it looks good on paper, after the expenses, you might be making less than the shampoo job.

I could go on but why? The shampoo job is offering 40 hours a week, that makes you a full-time employee and they are required by law to give you benefits. Plus, you won't be wearing out and ruining a personal vehicle that you own.

Good luck with whatever choice you make and realize that there aren't too many guys your age raking in huge paychecks...all of that comes in time and with knowledge.

[Ford DNA]

Yes I live with mom
Yes 250 a week would pay my bills but would stretch me so tite I could shit a diamond!
And i know a trade i've been in plumbing a year but nobody is hiring rite now once I lost my job I went to at least 15 plumbing services and nobodys hiring!!!!

Go union, dude! My dad, his brothers, and my brother are all members of Local 123, Plumbers and Pipefitters. It's fairly clean work - no going in houses and fixing toilets or draining septic tanks. It's nearly all pipefitting. Glue pipes together. My brother just took off out to Vegas for 3 months to make $34/hr plus $3/hr vacation pay. I can remember my dad having $800 cleared on his paychecks like 15 years ago. It's decent money. Sometimes long work weeks, and some lulls between jobs, but if you are responsible with your money, you'll be fine.

[Ford DNA]

Chris, I've never heard of such a law.

[**CHRIS**]

Chris, I've never heard of such a law.


One of the laws is overtime pay, anything over 40 hours.

Second is health care...partially paid by the employer and if a person is a full-time employee those can be deducted pre-tax. Of course a person has the right and ability to opt out of that altogether if they choose to do so.
I usually don't like to say everything that comes out of my mouth is a fact so I could be wrong, but every company that I have ever worked for offered these benefits to full-time employees. Part-timers did not get them.

Sub-contracting is not the way to go unless there is a vehicle allowance ($400.00 a month), Per-mile fuel reimbursement and BIG money jobs involved....

[Sippi]

Well thats to much of a hassle to mess with on job b so I ain't takin it plus i didn't get job A so I'm back to square one! But yea I have a brand new Ranger with warranty so all that wouldn't be too bad i guess.

[**CHRIS**]

Sucks you didn't get the shampoo job... keep looking though. Don't give up, take any halfway decent paying job until something better comes along.

I've had company vehicles my whole working career, I've put more miles on them and turned good new vehicles into worthless piles of over-mileaged junk within three years (150,000 to 300,000 miles)

The companies paid for it, not me.

If nobody is looking for employees in the plumbing business, maybe look to start as a helper at another trade for 8 to 10 bucks an hour... I am well rounded and have three trades that I am well versed in just incase I need to ever move a different direction.

Keep looking and good luck, take comfort in the fact that you are not going to be homeless if you don't find a job tomorrow... better now than when you are 33 years old with mouths to feed.

[Sippi]

Yea God knows my mama has dealt with me but I plan on starting school in tha fall to become an emt but tha class costs 1000 bucks so I'm gonna go get a job bustin tables at chili's or something that way maybe by the fall i will be a server.

[**CHRIS**]

Whatever it takes to get money coming in...

[Sippi]

thanx everybody rep'd!

[864I'DCaprI]

FUCK working for the man and just freakin start drug dealing, dont have to pay taxes and you can make as MUCH as you want, and work whatever hours you wanna...........
























































ummmm.. please dont do that!!! LOL.....And if ya do I didnt tell ya that :lol: :lol:


But seriously, G/L with the job hunting and hope you find something good.....

[**CHRIS**]

Reason number 523 why ^ is not a mentor..... :lol: :lol: :lol: :lol:

Jay Kay y0!

[Sippi]

all ready went down that road and thats y i live in FL now but thats another stoy in itself!!

[topher469]

I wanna get paid for bustin(g) tables!! Hellz yeah that would be fun...

[Sippi]

Reading Rainbow poilice strike again^

[Tiffiny]

(^still posts here) I can tell you should never sell your self short.aim high .If you take a crap job chances are you will always take one.

[Sippi]

Yea but that job requires I sign a year contract or some shit so thats a chance I'm not taking

[Ford DNA]

(^still posts here) I can tell you should never sell your self short.aim high .If you take a crap job chances are you will always take one.

There's nothing wrong with taking a crap job. The problem lies in being complacent and sticking to the crap job rather than moving up.

Your post kind of struck a nerve. Sometimes you gotta do what you gotta do, and if that means taking a crap job to keep your family fed, so be it.

You should be proud of what you are doing, no matter what it is.

[95coBraSVT]

Bussing tables will NEVER result in a waitstaff position. You have to have customer service experience which will transfer over. Oh yeah, and be really good looking. It also doesn't hurt to be a female. Dress sharp too. Or if a female, dress slutty. LOL

[Lookin2GoFA$T]

if you're talking about the carpet cleaning gig that's on 49th street past drian dairy road, it's run out of a storage unit, it's a scam for sure. my friend travis worked there for like 3 days. you go door to door selling carpet cleaners. if you clean 3 carpets in a day you're supposed to get 100 atleast, what they don't tell you is that if you don't sell the carpet cleaners you don't get paid.

you're supposed to get hourly too, but that's a lie. you will never draw a paycheck unless you sell a carpet cleaner, even then it will be cash, as the only ppl that get checks are the guys that are in charge of the kids that go door to door. (you are the kid that goes door to door)

In response to the post above me... this is true; being a busser doesn't get you closer to being a server. being a busser can be cool though; for example you can, get high before work, slack off trmendously, holler at hot bitches do mostly anything you want because if anybody gives you shit they have to buss their own tables.

[Sippi]

Well I worked at Applebees rite after I turned 18 then within like 2 months moved up to server and did it for like 6 or 7 months. So its not GREAT money but its money and Lookin2GoFA$T it was down ulmerton close to 275 and he never said anything about selling them but its just one of those things where if it sounds to good to be true thats cuz it is!

[Ford DNA]

If you have server experience, why not just go straight to that? Some servers make pretty decent money, if you're willing to work nights and weekends.

[95coBraSVT]

If you have server experience, why not just go straight to that? Some servers make pretty decent money, if you're willing to work nights and weekends.

+1;)

[Sippi]

Yea my friend tells me to go ahead as a server but I would rather get back in and make sure I remember wats wat and all that before just jumpin into the fire.

[95coBraSVT]

It's like riding a bike. Jump on and it rides its self. LOL

[Tiffiny]

all i was saying.If you live at home with little responsibilitys.You do not have to take the first couple of jobs that come your way. If you have a family thats different of course you do what you have to.You should alway be proud of what you do or you shouldnt do it.good luck to you .
Hold out as long as you can find something you will enjoy .

[Ford DNA]

^ The way I took it, you were bashing people that take crap jobs. If that's not what you meant, my bad! :)

[Tiffiny]

^totally not what i was sayin.Im not that way at all