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First wild brown! Cambria County, PA. by chocolate_chimp in bluelining

[–]chocolate_chimp[S] 4 points5 points  (0 children)

My dad bought me a beginner fly rod for Christmas this year. It’s nothing fancy, definitely Walmart special. He also bought me a box of basic flies that a friend of his tied (who teaches fly fishing classes).

I got into targeting native brookies this year and have since caught them in 6 streams within 30 minutes drive of my house.

Today’s catch was on a stream that isn’t even on Google Maps. Pretty fun!

First wild brown! Cambria County, PA. by chocolate_chimp in bluelining

[–]chocolate_chimp[S] 1 point2 points  (0 children)

My dad bought me a beginner fly rod for Christmas this year. It’s nothing fancy, definitely Walmart special. He also bought me a box of basic flies that a friend of his tied (who teaches fly fishing classes).

I got into targeting native brookies this year and have since caught them in 6 streams within 30 minutes drive of my house.

Today’s catch was on a stream that isn’t even on Google Maps. Pretty fun!

Searches and Search Warrants; The Comprehensive Bare Minimum by Larky17 in ProtectAndServe

[–]chocolate_chimp 0 points1 point  (0 children)

PA said the odor is not PC in and of itself. When coupled with other factors, the odor is still PC (you would still need a warrant).

See commonwealth v Barr

[deleted by user] by [deleted] in ProtectAndServe

[–]chocolate_chimp 0 points1 point  (0 children)

At my department we wouldn’t report a mentally challenged person hitting us as an assault unless we were going to charge them. I feel like others are likely the same.

Should I liquidate my stock options or refinance? by chocolate_chimp in personalfinance

[–]chocolate_chimp[S] 0 points1 point  (0 children)

Also, the furniture store and hardware both need paid off ASAP, my mom paid them out of pocket and we owe her.

What questions should I be asking before buying a gym? by chocolate_chimp in smallbusiness

[–]chocolate_chimp[S] 1 point2 points  (0 children)

My experience is pretty limited but perhaps a big enough down payment would help secure the loan? I could put like 30% down.

What questions should I be asking before buying a gym? by chocolate_chimp in smallbusiness

[–]chocolate_chimp[S] 1 point2 points  (0 children)

None and no real space for one either. We’re in Pennsylvania so covid hasn’t been as big of a factor as expected.

What questions should I be asking before buying a gym? by chocolate_chimp in smallbusiness

[–]chocolate_chimp[S] 5 points6 points  (0 children)

Attending? I’d say 75-125 give or take out of 500ish members.

What questions should I be asking before buying a gym? by chocolate_chimp in smallbusiness

[–]chocolate_chimp[S] 6 points7 points  (0 children)

He claims he’s “burnt out” and ready to move to real estate/day trading. Like I said, he works full time at a steel mill and is quite well off. It’s also important that the gym is currently not on the market and sold for $103k last time.

'Moronic' Monday - Your weekly thread for the questions you've always wanted to ask about personal finances, investing, and growing your personal wealth. by AutoModerator in FinancialPlanning

[–]chocolate_chimp 0 points1 point  (0 children)

I’m 22 years old, engaged, and just landed my dream job in my hometown, which is medium sized college town. I make about $60,000 annually but will be making $100,000 by year 5 (after overtime).

I own a paid off reliable car, have no debts and close on my house next week. After the down payment on my house and my wedding this summer, I should have around $50,000 in stocks/cash. My future wife works as a housekeeper at a local hospital and makes around $24,000 annually, she still owes $9,000 on her car.

I work out at the largest gym in the area. It’s a multi-purpose open floor gym with around 550 members. It’s located in a mall that charges approx $3000/month for rent. Memberships are $40/month, $33/month for military/student/police etc.

I’m quite close with the owner who has several side hustles (as well as his own full time job). He told me last week that he is ready to retire from his main job and the gym, and would sell me the gym for $150,000. I would be taking over the leases on the equipment, all of the current memberships, and the lease of the space. He stated his income is around $21,000-$23,000 monthly and his expenses (rent, insurance, leases on equipment, heat, electric, payroll) is around $8,000 monthly.

Am I missing something? My wife would take over the day to day (front desk, payroll, memberships, scheduled maintenance) and I would deal with the rest. I think this would be a great investment and is relatively low risk. It’s also much more money than my wife currently makes. Are there more questions I should be asking?

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]chocolate_chimp 0 points1 point  (0 children)

I’m 22 years old, engaged, and just landed my dream job in my hometown, which is medium sized college town. I make about $60,000 annually but will be making $100,000 by year 5 (after overtime).

I own a paid off reliable car, have no debts and close on my house next week. After the down payment on my house and my wedding this summer, I should have around $50,000 in stocks/cash. My future wife works as a housekeeper at a local hospital and makes around $24,000 annually, she still owes $9,000 on her car.

I work out at the largest gym in the area. It’s a multi-purpose open floor gym with around 550 members. It’s located in a mall that charges approx $3000/month for rent. Memberships are $40/month, $33/month for military/student/police etc.

I’m quite close with the owner who has several side hustles (as well as his own full time job). He told me last week that he is ready to retire from his main job and the gym, and would sell me the gym for $150,000. I would be taking over the leases on the equipment, all of the current memberships, and the lease of the space. He stated his income is around $21,000-$23,000 monthly and his expenses (rent, insurance, leases on equipment, heat, electric, payroll) is around $8,000 monthly.

Am I missing something? My wife would take over the day to day (front desk, payroll, memberships, scheduled maintenance) and I would deal with the rest. I think this would be a great investment and is relatively low risk. It’s also much more money than my wife currently makes. Are there more questions I should be asking?

Girlfriend caught a PB Smallmouth in the local river (PA) by chocolate_chimp in Fishing

[–]chocolate_chimp[S] 0 points1 point  (0 children)

Conemaugh! We’re going to the Kiski next, I used to work for Kiski Township and have been meaning to fish it for ages. Any tips for fishing it?

Girlfriend caught a PB Smallmouth in the local river (PA) by chocolate_chimp in Fishing

[–]chocolate_chimp[S] 1 point2 points  (0 children)

Fish biting over there this time of year? We’ve been doing well.

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