EDD

01/27/2015

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Today was interesting to say the least.  One of the things that you can do when "let go from your job" is apply for unemployment.  I said "can do" because you are in no way obligated to.  This is just a cracker barrel of fun! You get to apply on line for it, which in my opinion is always a good thing.  Some of the questions though are, hmmm, well....thoughtful.  Yeah, let's go with that.  It does walk you through the entire process.  I have to say that it is something that I never thought I would have to do.  I had a great paying job with great benefits and it all went away in the blink of an eye.  So now I'm a statistic.  Just effing great.  I'm not good at being a statistic.  It's so, I don't know, limiting.  I hate saying that I'm out of work.  I hate writing that I'm out of work.  I hate not getting a paycheck.  Frankly it sucks.  Applying for unemployment really, really hammers the fact home.  You have to submit how much you made in the last 6 quarters.  Six quarters, ugg.  We didn't get paystubs, it was all on line somewhere else.  Now that I'm not working for the company, I had to beg the HR to give me access to the site so that I could download and save the paystubs.  Really, eight years people, gave you eight years.
Sorry, I regress.  After figuring out the last 6 quarters which is a year and 1/2, you are asked if you are working, why you are not working, can you work, would you be willing to work at anything no matter the income, are  you looking for work, can you prove you are looking for work.  This last one had me stumped.  How do you prove that you are looking for work?  Most of what I do is applying on line, sending in my resume etc, etc.  So I said yes, I could prove it.  Right, I could forward the emails that I have sent.  Figured that was good enough.  Well I waited and two weeks went by and then I received a slew of letters from EDD.  One saying "Thanks, got your application", another that claimed that here is what you will get up to 6 months if you don't find a job before then and another that said "nope you get nothing until you have a phone interview".  OK.  That interview was two weeks from the time I got the letter.  Really.  Glad I'm not homeless or starving.  What would have happened if I had no money in the bank?  I do know actually, I would have been applying at every single job that came my way no matter what it was.  This is not the State's fault that I'm out of a job.  Sigh.  Wish I could blame them dammit.  It makes me feel better to blame someone!  
Anyway, the two weeks went by and I received a call from the nice lady at EDD.  I'm not being facetious here, she really was very, very nice.  I explained to her what they said at my exit interview and she said that she had called my old company and they would not give out any information.  No kidding, they do that to everybody.  You no longer exist.  Sigh.  She asked for the HR name and I gave it to her.  The "interview" lasted about 3 minutes and she hung up but called me back.  
"Are you looking for a job"
"Well, I signed up for school and I've been taking classes"
"You can't get unemployment unless you are actively looking for work"
"Yes, I'm looking for work"
"Ok, thanks"
No idea if I will be getting unemployment or not.  Suffice it to say, this LLC thing has to get on the pony and ride cuz momma needs money coming in.

Ok, that's all for now.
Enjoy life, it's the one you have,
Tammie
 
 
So, it's been over a month since I lost my job and I would like to say that I have a new one, NOT.  I find myself not even looking.  No, no not lazy or depressed, just busy.  I've decided to see if the consultant gig would work for me.  I have over 20 years of experience in my field and maybe, just maybe someone will pay me for that.  Hummmmm, maybe.  We will have to see.  

So over the last 3 weeks I have been mired in the paperwork that goes with trying to start your own home based not home based business.  Do I go sole proprietorship, LLC, Corp S.........ahhhhhhhh.  It is mind boggling that anyone gets a business off the ground.  I have spent endless, mind numbing hours reading through the small business administration website.  Ass numbing and mind numbing, and frustrating.  Many of the links no longer work or take you to some place else.  It makes you want to spit coffee at your computer screen.  Not that I would do that mind you, I bought this computer.  There is quite a bit of information there, some of it out of date, some of it very confusing and some actually helpful.  I have also been searching and reading about the benefits of an LLC and the downfalls of sole proprietorship .  I have finally settled on an LLC.  It separates my personal assets from the company so that if, God forbid I get sued, none of my personal can be taken.  I could go a Corp S as a small business but the paperwork involved was more than I wanted to do right now and it's more expensive to get off the ground.  The other is what to name your business.  Holy smokes, I have agonized over this.  I sent out lists to friends and family to get their opinion.  Before you can apply for anything, this is the question that HAS to be settled first and remember, you are stuck with it unless you want to pay for all the paperwork again!


Still the amount of work to get an LLC off the ground is just under the mind boggling.  The other problem is the order that you need to do everything in.  That took a while to sort out.  Since I am on limited funds, I didn't want to pay someone to do it for me.  I do now have my EIN number (IRS assigns this to you and it is the simplest of everything you have to do, it's all on line), I have sent away to the state for my reserved name, and my state LLC license., once I get that back I can apply for the county Fictitious Business license. What I did find out is that you cannot open a business banking account until you get your state letter of organization.  Some banks want even more than that.  I have been checking all the banks out on line and right now I might go with Wells Fargo.  They seem to be the easiest to deal with.  Bank of America was a pain and rude when I went in to talk with them.  I walked out, the woman was a prissy b@#$#$.  WTF.  Really, you don't need my money. No prob.

Here's the other thing and the reason that I say home based not home based business.  I went and got a private mailbox which is NOT a PO box.  I can use this as my business address as you do not want your home as the business listing if you are an LLC, you can legally tie your home up this way.

So now I'm working on the website.  Who to host, what the website domain should be, should I pay to have someone to set it up or do it myself.  I'm still working on this.  I can't even order the business cards until I get this settled.  Along with the phone.  I've decided to go with Vonage for the phone line.  Since this is just a single person business for now, I'm going to go with the residential since I can forward it to my cell phone. If I decide to get bigger, then I can go with the business option.  I did look into ATT doing the home phone line but Vonage has the best deal (9.99 right now).  Yeah I'm frugal that way too.

That's about it for now.  I'm going to try and update this everyday.

Enjoy life, it's the one you have,

Tammie


 
 
This new year started out on a downer.  I was "released" from my dream job on the 19th of December, yep right before Christmas, and now I have to decide what to do with the "rest of my life".  How depressing.  Well, not really.  I have enough money in the bank to get us by for a while.  I've also decided that if others can blog, well hell, so can I.  I cook, I clean, I build, I craft, so why not.  I know, you ask how does this make me any different then the 10's of thousands that are already doing it.  Hmmmm, not sure yet.  I do know that I will be detailing my job "looking" experience, maybe starting a new business experience, my gluten free baking and cooking and raising a boy on my own.  Yep, I do it all folks, well maybe not all but a damn lot.  I also am lazy, and not with a little "l" but with a big "L".  If I could spend my days laying around reading and watching TV, I would.  Like in a heart beat.
So instead of watching TV or reading, I sit here trying to figure out how do build a website (I'm cheap too and decided not to purchase the web design) let's see how this goes.  It is NOT intuitive.  I like intuitive.  I crave intuitive!  Instead I feel like I'm doing battle with the computer and I'm losing.  I have gotten this far but not sure what to put on my "Home" page.  I think that I have it linked to twitter but even that I'm not sure about.  I will also get it linked to Pinterest, I hope.  I did manage to figure out how to upload pictures.  The one above is a gluten free sourdough bread that I baked over the Christmas holiday.  It was quite yummy though still a bit dense, but I digress.  If you have never built a web site it is a bit daunting.  I read all about developing a blog, what sites to host and so on.  None of them said ANYTHING about the design of the site.  Yes duh, I should have known.  I just thought in my very naive way that it would be self explanatory.  No such luck.  I sat here and clicked on everything till I got what I wanted.


See, I just learned how to add new elements.  Ha.  So I will battle on through the night and I hope to have a more informative blog by tomorrow.  Maybe that one will just be about food, or not.  

Enjoy life, its the one you have!

Tammie