Daily Archives: September 16, 2011

Another $500 Bike?

Day 19 | $24,666 paid | $66,051 till freedom

You know you’re on a mission to pay down $90k in 10 months when you write two blog posts on a Friday night!

Dating Then Not
So the girl and I are no longer. I called her up and we talked about it, and it seemed like the best thing to do was to end it. It wasn’t a money issue–she didn’t care about money. In fact, she probably lives more cheaply than I do. And while she didn’t want money–something I don’t have right now–she did want time, which is another thing I don’t have right now. It sucks that it ended that way, but at the end of the day, I’m not in marriage-mode right now, and I’m not going to lead somebody on for ten months in a relationship where we hardly see each other for something that’s probably not going to be very long-term, anyway.

Instead of seeing her tonight as planned, I’m going to be posting this blog (one hour) and working on the landscaping business website. At 9 AM tomorrow, I have a meeting with Michael, my friend who thought of the idea, to flesh out the rest of the business plan and launch the site.

Odd Friday Night
On the typical Friday night, I’d either be downtown with my friends or on a date. Tonight is the first Friday that I’ve spent at home in a long, long time–for as long as I can remember, in fact. Even last Friday, I wasn’t home–I was downtown pedi-cabbing. But it’s okay–I’m actually really looking forward to working on the site and planning the business. I think we have such an incredible opportunity on our hands. Michael is a really sharp guy who went to A&M and is a landscaping guru, and I think we’re going to be able to do something really special when we put our heads together. I’m energized.

A part of me definitely misses downtown and hanging out with my friends, and in fact, my buddy texted me to go smoke a hookah at Kasbah, get some Torchy’s Tacos, and go downtown. That sounded incredibly tempting, I was extremely close to saying yes, and it was only with serious willpower that I said no thanks. We’re all getting together at my buddy’s house tomorrow night to watch the fight and possibly go downtown after, so I have that to look forward to. I’ll bring the flask just in case we do end up DT. I haven’t had a guys’ night in a couple of weeks, and I’m looking forward to it.

The Modeling Thing
I met with Nicole from a local modeling agency today and while it went well, it took me to a critical decision point.

The agency has offices in Miami and Hong Kong, and they just started actively recruiting talent for their new Austin office three weeks ago. Nicole and I hit it off and we had a casual conversation for about 30 minutes before getting down to brass tacks.

She had me fill out a form with my measurements and skills. When I asked her if she just wanted my resume instead of a list of my skills, she gave me this really puzzled look and told me no thanks. When I pressed her for details on what kind of skills I should list, she told me to list whatever I can do that a potential client might be interested in when they’re casting models. I still had no idea what she meant, but I didn’t want to risk looking like a complete amateur and asking her to explain further, so I took the bull by the horns and wrote, “ride my motorcycle, run, lift weights, bicycle, hike, business.” I felt like a complete idiot.

Then Nicole told me I’d have to get some pictures taken with a local photographer, Steve, who charges about $400 for a portfolio. Visions of my $500 pedi-cab bike flashed in my head. Uh-oh…here we go again. I swallowed the lump in my throat as she went to explain that without my images, they wouldn’t be able to effectively market me to clients. That part makes sense. On top of that fee, the agency takes 20% of everything I make from their clients. That also makes sense. Both parts make complete sense if the model is awesome and gets assignments left and right. But me…? I wasn’t so sure, but I didn’t tell Nicole that. The meeting wrapped up as she she told me that she never asks anybody to sign on the spot, and that I should call her when I’m ready to proceed.

I went to the gym to work out and talked it over with a buddy who asked me how long it would take to make the $400 back. Valid question–why hadn’t I asked Nicole that?

I called Nicole when I got home,  gave her the context of the pedi-cab situation, told her I didn’t want to get burned again, and asked her to be very, very candid with me and tell me if I even had a snowball’s chance in hell of modeling in Austin and how long it would take to earn back the $400. She assured me that they weren’t taking on models just to fill their roster, and that I wouldn’t have been at the interview if they weren’t seriously interested in me. She went on to say that I have a “clean-cut/businessman/fitness/guy next door” look that will do well for commercial print in Austin, which is apparently more lifestyle/commercial than a place like New York, where “edgy” models tend to do better than guys who look like me.

She also referenced the guy who came to see her after me–I had actually passed him on the way out, so I knew whom she was talking about. She told me that she told him his look might not actually sell in Austin. He has a great face, and while Austinites encourage everybody to “keep Austin weird,” she told me his tattoos might actually be an issue that will prevent him from being picked up. She claimed that she disclosed all of this to him.

I didn’t tell her this, but I’ve never been super confident about my looks. For the first nine years of my life, I had a dark red birthmark on my face that strangers used to stare at and kids at school used to tease me about. They’d laugh at me and ask me why I had “kool-aid” on my face. I got it lasered off at age ten and  had about two years to work on my less-than-stellar self-image until adolescence struck with a vengeance, putting severe acne all over my face, in my ears, and on my back.  To say that dates were hard to come by would be an understatement! I struggled with the acne for several years until I was 16 and got on a six-month Accutane treatment. It worked like a charm and no scars were left behind, but the damage was already done; I had developed a really negative self-image that lingered for years.

I’ve finally gotten over it during the past few years just by increasing my self-awareness and by dating enough attractive girls to realize that I can’t be too much of an ogre. But to go from what I looked like during my formative years to…modeling? I’m filled with skepticism. Nicole told me on the phone to think it over and not be impulsive–nobody has a gun to my head forcing me to sign. She does want me to sign and thinks I would do well, but I should do it only if I really want to do it.

I’m going to marinate on it for a bit and maybe see how the landscaping and SAT tutor jobs go before I commit. I’m leaning towards doing it. I just wish pictures had some sort of a return policy like the bike did! 

Finally Some Incremental Revenue
On a ver positive note, I deposited $1,943 today from the roommates’ first and last pro-rated months and security deposits, and I got an extra $287 on my bi-weekly paycheck by taking my 401k contribution down to nothing. Three weeks after establishing this goal, I’m finally banking some incremental revenue!

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Student Loan Petition

Day 19 | $24,666 paid | $66,051 till freedom

WOW. Have you guys heard about this? My friend just posted it on her Facebook wall.

Want a Real Economic Stimulus and Jobs Plan? Forgive Student Loan Debt!

To be delivered to: The United States House of Representatives, The United States Senate and President Barack Obama

Forgiving the student loan debt of all Americans will have an immediate stimulative effect on our economy. With the stroke of the President’s pen, millions of Americans would suddenly have hundreds, or in some cases, thousands of extra dollars in their pockets each and every month with which to spend on ailing sectors of the economy. As consumer spending increases, businesses will begin to hire, jobs will be created and a new era of innovation, entrepreneurship and prosperity will be ushered in for all. A rising tide does, in fact, lift all boats – forgiving student loan debt, rather than tax cuts for corporations, millionaires and billionaires, has a MUCH greater chance of helping to rise that tide in a MUCH shorter time-frame. The future economic success of this country is wholly dependent upon a well-educated, prosperous middle class. Instead of saddling entire generations with debt from which there is no escape, let’s empower the American people to grow this economy on their own!

Therefore, we, the undersigned, strongly encourage Congress and the President to support H. Res 365, introduced by Rep. Hansen Clarke (D-MI), seeking student loan forgiveness as a means of economic stimulus.
http://signon.org/sign/want-a-real-economic.fb1?source=s.fb&r_by=860306

Apparently they need 230k signatures and are fewer than 900 away from their goal.

I’m torn on this. I, personally, will not sign. I don’t want the government interfering with my life, and I’m not a big fan of charity. Of course, I did take the first-time homebuyer tax credit, so maybe I am! But I had nothing to do with making that money available, and I would have been silly not to take it. Just like if this thing passes, it would be silly for me to not take it.

But I won’t help it pass. I sincerely think that people can cut costs and increase revenue to pay off their loans. That being said, if it does pass, I’ll be the first one with my hand out; I’m not going to refuse it based on principle.

While I won’t help it pass, there are people who will–I’m thinking of the people who took on loans, went to a second-tier school, and couldn’t get a six-figure job after graduating–or even a job at all–because of the economy. And maybe these people should go after the money. When people take on student loans, they assume certain, basic things–one assumption is that the economy won’t crash when they graduate, or if it has already crashed when they enter grad school, that it will recover by the time they graduate. This is probably a reasonable assumption, but an assumption which, unfortunately, has proven to be false.

I think this is an irresponsible program if it pays off the student loans of people who went to a top-tier school, are single, and make six figures. In other words…me. I think there should be strict guidelines in place so that only the people who truly deserve it will get it.

So who “deserves” to have their student loans paid off? Great question. People with families? People with undergrad loans only? People who have been unemployed for two or more years? People making less than $50k/year? What about people whose loans are 20% comprised of the money they used to go on trips around the world while at school? I’ll leave this one for the comments–definitely interested in what you guys think. Something else to ponder–is there any merit to this at all? Will it really improve the economy? I know that when I pay off my student loans, I’m selling my house, quitting my job, and backpacking around Europe, which probably won’t help the US economy one iota!

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