[Noisebridge-discuss] noisebridge credit line - cashflow cushion / lasercutter

Dr. Jesus j at hug.gs
Mon Jan 10 17:38:49 PST 2011


Josh,

Someone seems to be spoofing your email address.

On Mon, Jan 10, 2011 at 5:26 PM, jim <jim at well.com> wrote:
>
> uh oh....
>
>
> On Mon, 2011-01-10 at 16:35 -0800, aestetix aestetix wrote:
>> Nobody's asking you to do that. In fact, we tend to encourage positive
>> and constructive discussions.
>>
>> However, we are a community, and we work together. When you join a
>> community, especially one that has been around for a couple of years,
>> it's polite and respectful to ask questions about how things work, and
>> why they work the way they do.
>>
>> We generally don't work well when others try to impose authority on
>> us. We work well when people create their own authority within
>> themselves, and do things. For example, rather than saying
>> "Noisebridge, you need a line of credit!", it might be a good learning
>> experience to ask our treasurer if we have one, and if not, why. If it
>> turns out we actually would benefit from one after all, then perhaps
>> going and making it happen, and then reporting to the list "Hey, after
>> talking to the treasurer, we decided to create a line of credit!
>> Here's how it works, and how you can participate!" would be excellent,
>> in my opinion.
>>
>> I realize it might not make much sense, but that approach does work,
>> and Noisebridge is a great place to practice it.
>>
>> On Mon, Jan 10, 2011 at 4:26 PM, Patrick Keys <citizenkeys at gmail.com>
>> wrote:
>>         [blahblah money blahblah]
>>
>>         Telling new people to Noisebridge to sit on their ass and
>>         observe for
>>         several months before commenting is ridiculous.  And instead
>>         of
>>         attacking me all the time, it might be best to just run the
>>         business of
>>         Noisebridge (yes... noisebridge is a business - a non-profit
>>         business)
>>         in a business-like manner.
>>
>>         [more blahblah]
>>
>>         Patrick
>>
>>
>>         On 1/10/2011 4:16 PM, Dr. Jesus wrote:
>>         > So talk to the treasurer, head over to the bank, and set it
>>         up?  Is
>>         > there some reason why you had to send this to the list?
>>
>>         >
>>         > On Mon, Jan 10, 2011 at 3:59 PM, Patrick
>>         Keys<citizenkeys at gmail.com>  wrote:
>>         >> Noisebridge needs a corporate line of credit at the bank.
>>         >>
>>         >> Here's how any business with any sense would do this:
>>         >> 1) Make an itemized list of all the expensive stuff you
>>         already have
>>         >> here.  Those are called fixed assets.
>>         >> 2) Take your average bank balance.  That's a liquid asset.
>>         >> 3) Use the assets as collateral for the line of credit.
>>         >> 4) Use the line of credit to increase assets and manage
>>         cashflow.
>>         >>
>>         >> Go to the bank and get a credit line.  The best time to get
>>         one is when
>>         >> you don't need it.  Use the credit line for emergencies,
>>         like the risk
>>         >> of eviction.  Also use it to attract more people here by
>>         buying cool
>>         >> expensive toys, like the laser cutter.
>>         >>
>>         >> Instead of paying for the laser cutter all at once, you buy
>>         it on a
>>         >> lease-with-buyout-option like Josh mentioned.  That lets
>>         you spend less
>>         >> cash upfront and keep that cash to manage your cashflow.
>>          That extra
>>         >> cash pays the rent, keeps the lights on, and keeps you from
>>         having your
>>         >> back against the wall whenever the bills come in.
>>         >>
>>         >> Seriously... go get a damn credit line already.
>>         >>
>>         >>
>>         >>
>>         >> Patrick
>>         >> _______________________________________________
>>         >> Noisebridge-discuss mailing list
>>         >> Noisebridge-discuss at lists.noisebridge.net
>>         >>
>>         https://www.noisebridge.net/mailman/listinfo/noisebridge-discuss
>>         >>
>>         _______________________________________________
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>>         Noisebridge-discuss at lists.noisebridge.net
>>         https://www.noisebridge.net/mailman/listinfo/noisebridge-discuss
>>
>>
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