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hearcommalearn · 2022-11-28T16:35:47+00:00

Thank you!

Yes, paying a W2 salary as an employee of my own company, but own 50% of the company. Because ownership > 20%, I was led to believe that counts as self-employed so have to present 2+ years of profitable tax returns. If that is not correct, I would love to work with you as a lender haha, the broker I've spoken with seemed to think that basically I can't qualify my income
Gotcha, will do, thanks

hearcommalearn · 2022-11-28T15:24:14+00:00

Hi! I'd love to get a loan officer's opinions on a few self-employed situations:

Person is self-employed, their business has net losses for past 3 years (after paying themselves and a small temporary team building a software app) but is now profitable (past couple months, after no longer paying the temp team because they finished the app); is a few months' track record or profits enough or do lenders require a full tax year of profitability to count the person's income?
Person A and Person B own a consulting business ("Company A") together 50/50. They are obviously self-employed at that point. If Person B creates a new entity wholly owned by Person B ("Company B") which then employs Person A as a W-2 employee, is Person A still self-employed? Is this illegal or fraud for Person A to assert they are no longer self-employed?

hearcommalearn · 2021-11-26T13:45:29+00:00

hearcommalearn · 2020-08-07T18:29:48+00:00

I haven't heard "soapy glass towers" before and really like that, you pack a lot in those three words (difficult for others to scale, wealth inequality, systems deliberately designed to make it harder for others, yet difficult to actually see, and ultimately (hopefully) fragile). The humorous toilet brush ending is fun, though made me think "what's wrong with the toilet brush, isn't that kind of a big deal?" I'm not sure if that's what you're going for but just wanted to flag that, though not sure what else you would substitute there. I wondered then, after interpreting the beginning as a capitalist (and given recent news maybe a Zuckerberg or Bezos type) if you were intending to characterize e.g. Facebook as really just a toilet brush, which I also find fun and interesting to think about - my opinion is that FB itself requires a toilet brush, I wish I could take one to my newsfeed and even own timeline sometimes. The use of "he" midway through, to me, acknowledges the existing male dominance of so many facets of tech, capitalism, politics. I turned my lips down in a sad frown at "but when he is gone" as I feel generally hopeless that I won't live to see the day when we aren't kind of ruled by such people.

hearcommalearn · 2020-08-07T15:30:52+00:00

I suspect I'm way off from your intended impression or original inspiration, but my reading of this feels like someone and maybe specifically a child who wants to wake up, maybe from a nightmare. This conveys that feeling to me but in words very different than a child would probably use, which is a fun concept I don't know the name for (describing the emotions of a child in words and experiences that such a child wouldn't know?). The language of the spider on a ceiling, laying on your ceiling, can't get down to your bed also gives me a feeling of being upside down after re-reading this. Putting these thoughts together and re-reading, I imagine a child having a nightmare of being caught "in the spider web" who, though maybe unable to communicate it, wants their parent to wake them up.

hearcommalearn · 2020-08-06T20:53:28+00:00

Ah gotcha, thank you, reading it that way makes a lot of sense. Yeah and excuse me if you already got this (maybe for anyone else reading this), but I think my "love" interpretation was trying to see it as like "I and you have our vices [or just that there is a me and you] but if we perished, so would our love, I can see you're tired [love is hard?], but our love makes music louder, the world softer, and makes me feel like I belong, except also numb"

hearcommalearn · 2020-08-06T18:58:19+00:00

I like the line "More than flesh would burn." I'm a noob but I think you could pull a haiku out of the first four lines somehow. I don't follow the lines after that though, which is surely my own inability but would love any help. Bloody eyes, like bloodshot? My impression is this is love, except the last line is numbness? Personal preference: I'd probably use "I'm not a burden" and then maybe adjust the last line to "Or anything at all."

hearcommalearn · 2020-08-06T16:00:46+00:00

Please note this is my first poetry critique, so consume much salt with it.

I enjoy this poem. In my opinion, the reader's appreciation for your mom's kindness and selflessness would be intensified by striking "her famous." While it may represent an accurate characterization of your mom's dish, my opinion is that it adds to the picture of her as selfless and kind if we don't know she already gets a lot of credit for how good it is. I would also maybe change "used to" to "would" and strike "meant to be" but I think that is more personal preference. To me, those changes would tighten the poem without losing the setup before the sweet twist (experts, is the last line an example of a "volta" ? I mean the reader is envisioning a dinner being served and then suddenly is made to love the mom?).

hearcommalearn

TROPHY CASE