Two sisters

[SandiF]

Re: Two sisters

Tell her not to loan har whole a $100G...she nah get it all back. She can loan her about 50K with interest and a well set up payment plan.

[Nunya]

Re: Two sisters

Well Nylah, a sista dem. I would be de roach in dat equation [img]/forums/images/%%GRAEMLIN_URL%%/whatever.gif[/img]

I had to really bite mi tongue cause all mi did waa say is 'HELL NO!'

But de ting is, a 'dunce' sista mek de offer fi loan. I tink 'dunce' sista saw dis as an opportunity fi show say she not dat 'dunce' and dat she not dat 'ambitionless'. Mi tink de offer to lend was a power play pon 'dunce' sista pawt. Mi nuh tink she did tink it troo.

Now dat she mek de offer, she cyaa go back an say no. At de same time, she get very nervous as to how 'bright' sista show har say, unless supm miraculous happen, she nah go have enough money save up fi get de franchise. Not until she bout retirement age.

So she stawt a wonda if she whenna kid harself all along. An whedda she jus no have de smarts required fi do whe she did waa do.

Sandi: IMO, I don't tink dat she should len any money to har sista. Nat one red cent. Bright sista, at dis time, is not willing to relinquish har lifestyle. Even if she no waa sell de house an downsize, she nat even a consider trading in de luxury cyar fi sitn more affordable [img]/forums/images/%%GRAEMLIN_URL%%/70400-talktohand.gif[/img]

Jobs out de whe wi pay har way more dan whe 'dunce' sista a earn, but she tink say she betta dan dat.

'Dunce' sista wok a coffee shop, a gas station an convenience store while she a do har regular restaurant job. Dat ooman no fraid a wok, yuh undastan mi? If she can mek a extra dolla, she wi dweet. Mi did ask har one time a how she manage fi get pregnant, caw she neva have time fi nutn but wok.

An dat is de adda ting, she haffi save fi har pickney education. Caw fi har determination is dat har pickney nah come up an wok like dawg like how she wok. An das why she did waa opn har own likkle ting before too long...

[Nylah]

Re: Two sisters

I hear you Nunya.

It's too bad dunce siter cant see that yet again, brite sister is manipulating her and putting her down.

Brite sister is playing on her dunce sister's fear that her brite sister knows more than her. [img]/forums/images/%%GRAEMLIN_URL%%/rolleyes.gif[/img] So she will hand over her money to brite sister who will never pay her back because at the end of the day, brite sister doesnt beleive dunce sister deserves what she has.

If brite sister was so damn brite she would have a large enough rainy day fund to support her lifestyle, and if she was a good enough CPA then she could do contract work until she landed another job at a big firm if that is what she so wanted.

CPA's have jobs when the market is good and have jobs when the market is bad......Ppl always need accountants.

And if brite sister was a good sister, she would go into business with her dunce sister - help her put together a business plan to get any additional financing required, and help them both succeed.....

So me see it

[Nunya]

Re: Two sisters

[img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img] Yuh know wha, mi a go put dat to har. Ask har wha mek dem no go eena business togedda... [img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img]

De ongle ting 'dunce' sista eva talk bout is having some sawta restaurant business. If dem go eena business togedda, she woulda put up de money an do all de grunt work, while 'bright' sista woulda mek de big decisions and run tings...

But hey, maybe dat wi work fi dem. Mi go link har tomorrow...

[Nylah]

Re: Two sisters



That's the first thing that popped into my mind when I read the post. As a number cruncher myself, I dont know why Miss High n Mighty CPA didnt think do this from the beginning. [img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img]

Put it to "dunce" sister and see what she says. Just reminder that she is obviously every bit as brite as her "brite" sister. [img]/forums/images/%%GRAEMLIN_URL%%/rolleyes.gif[/img]

[Nunya]

Re: Two sisters

Well di CPA neva know say har sista did have alla dat deh money an have dat deh plan. When she used to get onto har sista an tell har say she fi try betta harself, de moas 'dunce' sista use to say was dat she a save. Mi nuh know if she did eva tell har sista bout har restaurant dreams...

Since tings stawt go bad fi 'bright' sista, a talk dem whenna talk ova de phone an certain tings stawt come to light. A so come dunce sista know say har sista a galang like she rich but shi is nutn but a nillionare [img]/forums/images/%%GRAEMLIN_URL%%/whatever.gif[/img] an a so come 'bright' sista find out bout har sista money an har plans.

[Suesumba]

Re: Two sisters

<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: Nunya</div><div class="ubbcode-body">[img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img] Yuh know wha, mi a go put dat to har. Ask har wha mek dem no go eena business togedda... [img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img]

De ongle ting 'dunce' sista eva talk bout is having some sawta restaurant business. If dem go eena business togedda, she woulda put up de money an do all de grunt work, while 'bright' sista woulda mek de big decisions and run tings...
</div></div>

run things into the ground you mean? and no the dunce sista shudden help har brite sista. no dem shudden go into bizniz togedda caz next ting yu know di brite wan teeef out all di likkle money weh duncy save up. nuff accountant a teef.50 rock stars can't be wrong.

[kia027]

Re: Two sisters

<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: SueSumba</div><div class="ubbcode-body"><div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: Nunya</div><div class="ubbcode-body">[img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img] Yuh know wha, mi a go put dat to har. Ask har wha mek dem no go eena business togedda... [img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img]

De ongle ting 'dunce' sista eva talk bout is having some sawta restaurant business. If dem go eena business togedda, she woulda put up de money an do all de grunt work, while 'bright' sista woulda mek de big decisions and run tings...
</div></div>

run things into the ground you mean? and no the dunce sista shudden help har brite sista. no dem shudden go into bizniz togedda caz next ting yu know di brite wan teeef out all di likkle money weh duncy save up. nuff accountant a teef.50 rock stars can't be wrong. </div></div>

yes.. what sue said too.

dunce sista should just say she cannot loan her the money because she haffi save fi ar pickney dem education. Dat deh risk is too high as mi have a feeling seh bright sista nah go pay ar back..

mek bright sista downsize ar lifetsytle a bit.. a good life lesson dat

[Jazz]

Re: Two sisters

If she have 200G saved up cash money - that is more than enough to get a business loan... an set up harself inna supm - she can start small and expand...

mi nuh tink Duncie should go into any bizniz watsoevva wid har sista. her sister sounds like a manipulator... if she waan len har some money - let it be jus that an she get in writing the agreement to pay... and for the record she would not get a cent more than 25G from me... atta she nah wuk? over 1 year now she unemployed? suppose 1 year later she still ah refuse job? where will the money from to pay back duncie? - no sah no more than that. Mek britey step up to de plate now an hustle like what a real survivor would do.

so mi seet. She wuk hawd fe har money - she cannot tek chances with anyone - not even family.

[BlessedLadyOfZion]

Re: Two sisters

<div class="ubbcode-block"><div class="ubbcode-header">Originally Posted By: SandiF</div><div class="ubbcode-body">so brite sista a get job offer but dem nuh up to har standard? brite sista have too much baggage, mi would a fraid fi loan har money... </div></div>I agree. When she reach 6 months an nay get nutten shi shoodan lower har standards an work wid wah she can get

[Nunya]

Re: Two sisters

I believe the franchise she wanted to buy into requires that you to have the ready cash - you cannot have a loan that will require repayment - but you're allowed an investor... [img]/forums/images/%%GRAEMLIN_URL%%/70402-thinking.gif[/img]

Supm like dat she said. Plus I do know that she'd been saving with the premise that she wouldn't have to borrow so that she wouldn't have the stress of a bank loan...

mek mi go check supm...

[Nunya]

Re: Two sisters



<u>Costs and Fees</u>
Investment Required: $600,000 to $960,000 (depending on the type of real estate deal: Tenant Allowance vs. Land Lease)
Capital Required: $210,000 to $335,000
Franchise Fee: $50,000
Ongoing Royalty Payments: 2.5% of net sales
Advertising Fees: 2.5% of net sales
Other Fees: N/A
Terms of Agreement: 20 years
Renewal Fee: 20-year franchise regrant fee

<u>Franchisee Support</u>
Financing: No. A&W has however negotiated programs with various financial institutions to help you.
Franchising Training: Yes. 6-week intense in-store training on management, operation and positive work environment.
Franchising Marketing Support: Yes. Advertising campaigns and marketing strategies based on extensive consumer research monitoring marketplace dynamics.


<u>Operations</u>
Number of Employees 45-50 full and part-time employees, per freestanding restaurant
Absentee Ownership Allowed: No
Opportunities: Single Unit, Multi Unit

<u>Prerequisites</u>
Net Worth: $500,000 minimum
Cash Liquidity: $200,000 to $335,000 (unencumbered)
Business Experience: Restaurant experience not mandatory

[Jazz]

Re: Two sisters

seet deh - she rite inna de ballpark... but if she len selfish har money dat ah go set har back...

[montanna]

Re: Two sisters

Nunya, mi think a story yuh was writing. [img]/forums/images/%%GRAEMLIN_URL%%/shocked.gif[/img] Anyways mek mi get this straight penny pincher have over $200G and big profiler (CPA), nuh have dime........well that sounds normal to me. [img]/forums/images/%%GRAEMLIN_URL%%/70379-moneyeyes.gif[/img]
We all know seh alot of people nuh know how fi live within them means let alone below them means. And as a "proud" penny pincher myself, it makes me cross, angry and miserable that the profiler want "come done out" the woman money.
[img]/forums/images/%%GRAEMLIN_URL%%/70459-idea.gif[/img] Alright tell yuh friend (and if is a true friend, yuh nuh haffi pretty up nothing), fi get profiler (cpa) one application form from each one of the place dem weh she (penny pincher) work, and mek sure seh cpa a di first one a di business place dem a wait fi dem open, application in hand!!!!! [img]/forums/images/%%GRAEMLIN_URL%%/70458-applaud.gif[/img] [img]/forums/images/%%GRAEMLIN_URL%%/704555_dwl.gif[/img]

On a much serious note, though, congratulate yuh friend mek she know how yuh proud of her. Also, she could do some safe investing with her money, simple one is fixed deposit (in ja [img]/forums/images/%%GRAEMLIN_URL%%/proud_jamaica.gif[/img] i'm thinking she'll get better int rate than the US), she could let it spend 3-6 mths in 1 bank move on to another bank, max her profit. This should work out for tax purposes as well.........
She could even invest 10% in the market (no more, since she soon need her money).
Well, I'm no CPA, but i think thats the better route, than what the profiler sister instructing her to do. [img]/forums/images/%%GRAEMLIN_URL%%/70361-embarassed.gif[/img] [img]/forums/images/%%GRAEMLIN_URL%%/bexbad.gif[/img]
Before she lend her sister the money, tell her fi use the money and buy 200G $1 bread and guh a one lake (up north) guh feed it to flying/jumping fish (that walk on the duck them),she might get more pleasure out of that in the long run. [img]/forums/images/%%GRAEMLIN_URL%%/bannana_purple.gif[/img]

Nunya, if she still feel "charitable" [img]/forums/images/%%GRAEMLIN_URL%%/gift.gif[/img] and lend/give her sister the money, tell her seh mi a look out fi see her pon Judge: Juddy, Joe Brown or someother other one. Yuh just memba fi tell mi a when the episode going come. [img]/forums/images/%%GRAEMLIN_URL%%/popcorn.gif[/img]

[Nunya]

Re: Two sisters

Yuh mek mi lawf doah [img]/forums/images/%%GRAEMLIN_URL%%/704555_dwl.gif[/img]

De pickle she eena is dat a she go mek de offer fi lend. But she neva tink it chroo. Sista a regale har wid how tings hawd an how it tough an waa waa an my girl go opn har mouf. [img]/forums/images/%%GRAEMLIN_URL%%/whatever.gif[/img]

Anyway, since night yah, she say she a go tell har sista say she can ongle len har $10G. But she fraid. Caw fram wha har sista a say, dat deh money deh nah go can do much...

My girl say afta she do de maths, it a go tek ar anedda two months (or four pay period fi put ie back - caw even doah she a go ask har sista fi repay, she nah go depen pon it)

So har issue now is dat because she go mek de offer to begin wid, she haffi si it troo. An she feel say de $10G whe she a go offer, har sista a go vex.

Mi mention de idea of going into business wid har sista (she say if she did have time she ooda jine awn yah so dat she can come meet oonuu awtical peeps, aldoa, if she whe si how mi a call har 'dunce', she'd prolly tell mi bout mi [censored] an cuss oonuu to jus becawse [img]/forums/images/%%GRAEMLIN_URL%%/704555_dwl.gif[/img] )

She say a fram she likkle she always waa do har owna ting. She say she used to buy an sell fram she deh a jamaica eena grade school. She like mek har own money. She love har sista, an she did proud a har big-shot sista, but she say she couldn hangle it if har sista was to try tell har whe fi do day in day out.

So de business pawtnaship idea out.

Mi ask har why har sista nuh trade een de cyar. She say a har sista 'baby' dat. Every day she put gas eena it (I guess it's a guzzler) an gawn a road. Wi can ongle hope say a wok she a look \0/

Mi ask har if har sista a consider sell har house, cut har losses so to speak. She say she no know. But she no tink so.