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Are there to many 1 man shops for young folks to compete?

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FeelerHaasEnco

Plastic
Joined
Nov 27, 2021
Are there multiple meaning for likes? I thought me and this Barbter guy are cool, then he likes a post where I said I took a nasty shot to the nuts from a lathe. I am confused, that wasn't a made up story, it really happened, and it hurt like hell. I just noticed another like came in, yikes!

The machinist I was trained by had a cut off tool break and got him in the forehead... I asked him why he looked like harry potter and he proceeded to tell the story :popcorn:

Lathes are no joke, sorry for you nuts :dopeslap:
 

Jashley73

Titanium
Joined
Jan 24, 2013
Location
Louisville, KY
I think medical insurance is the worst of them all. I had already had two non related to machining self employment ventures by the time I got back into machining when I was 23. I approached machining jobs differently than your typical employee. I always went to work to learn as much as I could and treat the place like it was mine. I figured self employment attempt #3 will be as a machinist. To increase my exposure I job hopped, that was also a way to quickly climb the pay scale. I wasn't loyal, but at the same time I was high energy, and wanting to be as productive as possible while doing it with the least amount of expenses.

Oops, got off track. Anyway, when the cost of medical insurance starting creeping up and companies that used to even provide good family coverage for free or token payments starting asking more from employees towards the cost, a lot of workers started squawking. Most of these people had no idea what it would cost if they paid full price for the same coverage on their own. Since I was always plotting to go out on my own I knew a lot about company overhead the average employee did not.

I seriously do not think anything has blown away inflation like the rising cost of medical insurance. I am sure you spring chickens can't remember when the crap insurance was 80/20, with a couple thousand a year deductible.
As I get older, the age at what I would call someone a spring chicken goes up.


#1 - I followed that same path as you. Jumped around and it has served me well.

#2 - My current plan is 2,400 family deductible, 80/20 after that. This year we're going to meet the deductible. I pay about $400 a month in premiums as well. :O

#3 - I do not want my children going to a "everyone can be a boy or a girl or anything in between, but if you're skin is light-toned then you're a racist oppressor" gone off the rails woke school. So we have chosen to do private school, and I grow more grateful every-single-day that we're able to make it happen. (This particular private school is very "affordable" compared to others, but still...) My wife works part-time when my youngest is in part-time pre-school. Those (2) tuitions cost us more than our mortgage...

#4 - There is a reason ^^^ that our vehicles are all over 200,000 miles, our house isn't fancy, no boats or expensive hobbies, and no fancy vacations. And that's not likely to change until my side-hustle starts picking up, and/or one of us makes a significant career change. Or both/all.



And to be fair, I'm similar in age to teachmeplease. I can't speak for him, but I'd don't spend much at all on my hair... ;)
 

CITIZEN F16

Titanium
Joined
May 2, 2021
The machinist I was trained by had a cut off tool break and got him in the forehead... I asked him why he looked like harry potter and he proceeded to tell the story :popcorn:

Lathes are no joke, sorry for you nuts :dopeslap:

Cut off tool in the forehead? That seems almost as odd as the air hose to the nuts story, but I believe them all.
Do tell. The way I set up and run CNCs and manuals a broken cut-off tool if shot out of the holder would head down, not up. For the record I have never made a round part more than double the size of a dog bowl.
 

CITIZEN F16

Titanium
Joined
May 2, 2021
#1 - I followed that same path as you. Jumped around and it has served me well.

#2 - My current plan is 2,400 family deductible, 80/20 after that. This year we're going to meet the deductible. I pay about $400 a month in premiums as well. :O

#3 - I do not want my children going to a "everyone can be a boy or a girl or anything in between, but if you're skin is light-toned then you're a racist oppressor" gone off the rails woke school. So we have chosen to do private school, and I grow more grateful every-single-day that we're able to make it happen. (This particular private school is very "affordable" compared to others, but still...) My wife works part-time when my youngest is in part-time pre-school. Those (2) tuitions cost us more than our mortgage...

#4 - There is a reason ^^^ that our vehicles are all over 200,000 miles, our house isn't fancy, no boats or expensive hobbies, and no fancy vacations. And that's not likely to change until my side-hustle starts picking up, and/or one of us makes a significant career change. Or both/all.



And to be fair, I'm similar in age to teachmeplease. I can't speak for him, but I'd don't spend much at all on my hair... ;)

I was just messing with him on the hair comments, when it was going I quickly accepted it, kept a buzz cut then just shaved it off. I was wishing Mohawk Man would come back, because I think he threw me in with all those out of touch old geezers and that is not me. Some things are better now for young people than I was their age, and some things are worse, I am more than willing to have an honest discussion on those issues. I think I will go do a little work and come back later.
 

FeelerHaasEnco

Plastic
Joined
Nov 27, 2021

When he first started no one told him anything... And he's left on his own at a Hardige tooling lathe making small parts; up until this point he had only done some facing and drill/tap so the cut off tool had not been used yet. The part he needed to make was requiring the cut off tool, and the one they had wasn't in the holder... Not knowing any better he sticks it out 2 in or so past the holder because "it looked right" I think he said. He probably didn't set tool height either, and as soon as it touched it broke the cutoff and being that it was 2+inches it must have have enough inertia to bounce off the bed or something to redirect it back up.

Seriously lucky that didn't kill him, or loose an eye. But after that day I respected the lathe a lot more
 

BoxcarPete

Stainless
Joined
Nov 30, 2018
Location
Michigan, USA
[snip]

I seriously do not think anything has blown away inflation like the rising cost of medical insurance. I am sure you spring chickens can't remember when the crap insurance was 80/20, with a couple thousand a year deductible.

As I get older, the age at what I would call someone a spring chicken goes up.

When my wife worked in a school, we had good coverage through the teacher's union. They actually complained about paying part of the premium.

Crappy? Now, I have a "high deductible" plan and the deductible keeps going up. It has now gotten to the point where the deductible is higher than I can legally contribute to my family HSA per year. Even though I max it out, we scraped the bottom of the barrel last year when my daughter was born and we're going to do so again next year when our third comes along. Maybe we could build up a little nest egg if we stop having kids every other year :)

BUT, the one good thing is that it's PPO. I am not a mouth-breather and I'd really prefer not to fight and argue with stupid GPs if I want to go see a specialist. I have a family history of skin cancer so I've been seeing a Dermatologist annually for years, I have probably in the last 10 years seen specialists 3-4 times more than a GP. It was kind of amusing how confused people would get when I filled out the paperwork and left the line for GP blank.
 

CITIZEN F16

Titanium
Joined
May 2, 2021
When he first started no one told him anything... And he's left on his own at a Hardige tooling lathe making small parts; up until this point he had only done some facing and drill/tap so the cut off tool had not been used yet. The part he needed to make was requiring the cut off tool, and the one they had wasn't in the holder... Not knowing any better he sticks it out 2 in or so past the holder because "it looked right" I think he said. He probably didn't set tool height either, and as soon as it touched it broke the cutoff and being that it was 2+inches it must have have enough inertia to bounce off the bed or something to redirect it back up.

Seriously lucky that didn't kill him, or loose an eye. But after that day I respected the lathe a lot more

The thing that clobbered my nuts was a Hardinge HCT, they are the pretty much the same physical size and horsepower of a Hardinge Tool Room lathe, the only difference is attachments and options. I guess those things can be a lot more dangerous than they look.
 

TeachMePlease

Diamond
Joined
Feb 11, 2014
Location
FL
Do note I said MSRP plenty of vehicles sell for more than that, usually when supply exceeded demand, also I said I haven't bought a new vehicle in some time, so you can retract those two digs.

I have also constantly said machinist wages have stagnated, my last job punching a clock I made $28 an hour non union damn near 30 years ago. I have also mentioned that I often look up apartments I and relatives lived in a long time ago and put rents from them into inflation calculators. Which usually show rents have went up double or more the rate of inflation. I think you have me confused with someone else.

Maybe you should cut back on expenses, what do you spend a day on that hairdo, that must take $200 a month of hair spray, let alone shampoo. Learn from your elders, I just do my hair when I am shaving in the morning. I don't spend money on any hair products, nor do I need to worry about packing a comb or hair brush when I go places. It also cuts down on showering time, cleaning hair out of drains, and I can drive with the window down and not worry
about my hair.



Not digs. Like I said, none of my comments are specifically directed at YOU the person, just a generalized "you" being people roughly your age who look down on my generation.

And I haven't spiked the hair in like 2 years. At this point, I'm just growing it out so I can donate it to Wigs 4 Kids (They're like Locks for Love, but they don't charge ANYTHING for giving wigs to kids with cancer) before I shave it all off and accept that I'm going to be bald by 40 :D. Then it'll be back to the old cueball look, same as you. Have you tried that stupid little thing that looks like a mix between a hotwheels car and a razor?

Amazon.com: HeadBlade ATX Razor : Beauty & Personal Care
 

FeelerHaasEnco

Plastic
Joined
Nov 27, 2021
The thing that clobbered my nuts was a Hardinge HCT, they are the pretty much the same physical size and horsepower of a Hardinge Tool Room lathe, the only difference is attachments and options. I guess those things can be a lot more dangerous than they look.

Great little lathes though... I was the " CNC " because they were too cheap to retro fit one of them.:willy_nilly:

But the shop was a great example of what the OP's question is... Personally I think starting a shop then looking for work is silly (if I'm understanding it correctly..). The company I worked for made testing fixtures for circuit boards; the way the business was formed was finding a need in the industry and filling it. We did (for the most part) very exceptional work and really didn't need a whole lot of machines or man power to do it.

I was brought in as shop help, but once they realized I wasn't going to crash a machine they let me do quite a bit, and was more of an apprenticeship than anything. Fast forward to now when I am making a shop for myself, I have a need that can be filled and I am catering the shop to doing that :cheers:
 

Ox

Diamond
Joined
Aug 27, 2002
Location
West Unity, Ohio
When my wife worked in a school, we had good coverage through the teacher's union. They actually complained about paying part of the premium.

Crappy? Now, I have a "high deductible" plan and the deductible keeps going up. It has now gotten to the point where the deductible is higher than I can legally contribute to my family HSA per year. Even though I max it out, we scraped the bottom of the barrel last year when my daughter was born and we're going to do so again next year when our third comes along. Maybe we could build up a little nest egg if we stop having kids every other year :)

BUT, the one good thing is that it's PPO. I am not a mouth-breather and I'd really prefer not to fight and argue with stupid GPs if I want to go see a specialist. I have a family history of skin cancer so I've been seeing a Dermatologist annually for years, I have probably in the last 10 years seen specialists 3-4 times more than a GP. It was kind of amusing how confused people would get when I filled out the paperwork and left the line for GP blank.


Mrs. O sells "supplementary Ins" that allows employers to have high deductible main plan, and then they buy her supplemental that pays out enough to cover the deductible.

Makes no never mind to me why that makes any sense at all, but for whatever reason - it is cheaper and AFAIK they essentially have zero out of pocket deductible.
???



------------------------------

Think Snow Eh!
Ox
 

BoxcarPete

Stainless
Joined
Nov 30, 2018
Location
Michigan, USA
Mrs. O sells "supplementary Ins" that allows employers to have high deductible main plan, and then they buy her supplemental that pays out enough to cover the deductible.

Makes no never mind to me why that makes any sense at all, but for whatever reason - it is cheaper and AFAIK they essentially have zero out of pocket deductible.
???



------------------------------

Think Snow Eh!
Ox

So, the employer buys both? I know that high deductible plans are regulated differently (one big one being HSA vs. FSA) but I can't figure that the differences would really be enough to cover a supplementary plan. "High deductible" is a broad range, too.
 

TeachMePlease

Diamond
Joined
Feb 11, 2014
Location
FL
Mrs. O sells "supplementary Ins" that allows employers to have high deductible main plan, and then they buy her supplemental that pays out enough to cover the deductible.

Makes no never mind to me why that makes any sense at all, but for whatever reason - it is cheaper and AFAIK they essentially have zero out of pocket deductible.
???



------------------------------

Think Snow Eh!
Ox

I pay $7.23 every other check for supplementary insurance.

I'm sure you're aware of my recent fiasco with the coral snake bite/ER visit/Ambulance ride/Hospital stay.

Total out of pocket for me for the whole thing is on the order of $700. $100 copay to my insurance and $600 to the ambulance.

I didn't file with my accidental insurance because I didn't realize they had a tight deadline to file. However, if I had, I'd have received:

$100 for being admitted to the ER.

$500 for being transported by ambulance.

Normally there is $250 for being admitted to the hospital as well, but I was "technically" never admitted, I was an outpatient under medical observation (They made me a sign a form that said so). So, I would have come very close to breaking even, or even have made a slight profit if it weren't for the last provision.

You also get cash payouts for things like broken bones, losing digits/limbs, being blinded, etc etc. The largest benefit to this insurance for me is that it covers things outside of work, and as a motorcyclist, it's nice to have.

There's also a very small ($30K I think) life insurance payout through this insurance, which in addition to the $300K I carry, should let my family live comfortably for long enough to find a new man to take care of them, if I kick the bucket :D
 
Joined
Apr 14, 2018
Location
Airstrip One, Oceania
There is a disconnect between your generation and mine. Many of yours seem to think my generation whines a lot about wages, and aren't willing to work hard to have anything nice...
Not us commnists ... it's not so much fun having parts failure but I am so glad I got to live when things were easier, and don't envy you at all. It's much harder for younger people today.
 

Jashley73

Titanium
Joined
Jan 24, 2013
Location
Louisville, KY
When my wife worked in a school, we had good coverage through the teacher's union. They actually complained about paying part of the premium.

Crappy? Now, I have a "high deductible" plan and the deductible keeps going up. It has now gotten to the point where the deductible is higher than I can legally contribute to my family HSA per year. Even though I max it out, we scraped the bottom of the barrel last year when my daughter was born and we're going to do so again next year when our third comes along. Maybe we could build up a little nest egg if we stop having kids every other year :)

FWIW - When you all decide that you're "done" having kids, go get the snip yourself. We decided for the wife to have hers' tied when my son was born. (Planned C-section.) We find out later that there are some side effects that can happen after this is done to women. So much for informed consent on the part of her OBGYN...

Anyway, I know this might seem like a significant drift from the original topic, but all things to think about if our OP ever comes back around.

"Who's going to care for your kid when you & mom go back to work?"
"Where are they going to go to day care?"
"Where are they going to go to school?"
"How are you going to pay for school?"
"Who's going to take them to school?"
"Who's going to pick them up from school?"
"Who's going to race across town to make that happen?"
"Who's going to leave work early, or stay home when they're sick?"


All questions that no one warned us about in advance...

So if anyone reading DOES NOT YET HAVE KIDS - you've been warned of such things in advance...
 

Garwood

Diamond
Joined
Oct 10, 2009
Location
Oregon
I don't know if it's harder or not. My life at 40 sure seems different from how my parents lived at the same age.

My wife is pretty sharp and has a really good job. I do fine with my shop, but it wouldn't be so fine if we didn't have her benefits.

Even with that we don't have a boat or an RV or sand toys, but we are building a small rental property for an income stream so there's that I guess.

The biggest thing that sucks for my generation VS previous ones is the shear number of people. It makes many things not fun anymore. Makes for fewer opportunities. I love the outdoors, I love the Pacific Northwest and as it turns out, so do millions of other people. Places I could go to 20 years ago that you'd never see another soul now have a huge paved parking lot and a requirement you to buy a pass 9 months in advance. One place is a fire lookout that I VOLUNTEERED HELP TO RESTORE 25 years ago. It's now a forest service B&B and try as I may, I have never been able to book a reservation there in a decade of trying.

Too many people and it's only getting worse.
 

Garwood

Diamond
Joined
Oct 10, 2009
Location
Oregon
FWIW - When you all decide that you're "done" having kids, go get the snip yourself. We decided for the wife to have hers' tied when my son was born. (Planned C-section.) We find out later that there are some side effects that can happen after this is done to women. So much for informed consent on the part of her OBGYN...

Anyway, I know this might seem like a significant drift from the original topic, but all things to think about if our OP ever comes back around.

"Who's going to care for your kid when you & mom go back to work?"
"Where are they going to go to day care?"
"Where are they going to go to school?"
"How are you going to pay for school?"
"Who's going to take them to school?"
"Who's going to pick them up from school?"
"Who's going to race across town to make that happen?"
"Who's going to leave work early, or stay home when they're sick?"


All questions that no one warned us about in advance...

So if anyone reading DOES NOT YET HAVE KIDS - you've been warned of such things in advance...

I have 3 kids 15, 11 and 4. None have ever been in daycare. Not for a minute. Our parents do help out an amount they're very comfortable with, but a lot of it has to do with the fact I have a big shop on my property 100 feet from my house. We also relocated to a town with one of the top performing public school systems in the country.

Raising good humans takes some strategy.
 

Ox

Diamond
Joined
Aug 27, 2002
Location
West Unity, Ohio
So, the employer buys both? I know that high deductible plans are regulated differently (one big one being HSA vs. FSA) but I can't figure that the differences would really be enough to cover a supplementary plan. "High deductible" is a broad range, too.

In at least some of the cases - yes.




I pay $7.23 every other check for supplementary insurance.

I'm sure you're aware of my recent fiasco with the coral snake bite/ER visit/Ambulance ride/Hospital stay.

Total out of pocket for me for the whole thing is on the order of $700. $100 copay to my insurance and $600 to the ambulance.

I didn't file with my accidental insurance because I didn't realize they had a tight deadline to file. However, if I had, I'd have received:

$100 for being admitted to the ER.

$500 for being transported by ambulance.

Normally there is $250 for being admitted to the hospital as well, but I was "technically" never admitted, I was an outpatient under medical observation (They made me a sign a form that said so). So, I would have come very close to breaking even, or even have made a slight profit if it weren't for the last provision.

You also get cash payouts for things like broken bones, losing digits/limbs, being blinded, etc etc. The largest benefit to this insurance for me is that it covers things outside of work, and as a motorcyclist, it's nice to have.

There's also a very small ($30K I think) life insurance payout through this insurance, which in addition to the $300K I carry, should let my family live comfortably for long enough to find a new man to take care of them, if I kick the bucket :D

That just happened this summer eh?
I know that she goes in [at least] once a year to places to make sure that they get their stuff submitted. (wellness)
I'm thinking that an actual event like yours doesn't even have a time limit in many [any?] cases.
As long as you had coverage at the time and can produce docs.

I think that she has gotten some folks paid for shtuff that happened a few years ago even.

I think I'd go back and revisit that.
At that price - I'm guessing that your not talking "duck"?



---------------------

Think Snow Eh!
Ox
 

BoxcarPete

Stainless
Joined
Nov 30, 2018
Location
Michigan, USA
I have 3 kids 15, 11 and 4. None have ever been in daycare. Not for a minute. Our parents do help out an amount they're very comfortable with, but a lot of it has to do with the fact I have a big shop on my property 100 feet from my house. We also relocated to a town with one of the top performing public school systems in the country.

Raising good humans takes some strategy.

Amen to that. We get told by many of our peers that they could never make it, or "live the lifestyle they want" on one income. Well? What did you spend your second income on? We were down to zero student debt (I had none, wife had some), and the last tail end of our last car payment when we had our first baby. No new features, only debt pay-downs. Now we have a stable financial base from which we can operate on one salary.

Teach, I was thinking about your little snakebite adventure, if that had happened to me my bill would have said "thank you for doing business with BC/BS, if you spend a few thousand dollars more we will start to cover your expenses" and I'd have to carve into my paycheck double-time next year to catch up before the baby comes. If I get hurt after new years, though, I might get my money's worth!
 
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