You're taking the insurance part too much to heart.

Just because you've never needed legal assistance in the past has no bearing on whether you'll need it in the future. You don't have to keep spending money on law you're not using--but having recourse to a lawyer and the funds to cover it seems like a pretty practical consideration when it's your company on the line...

I have no idea why the advice of budgeting so you can afford legal help when you need it generated this much foofurrah.

General reserves for the unexpected would cover legal as well as any other contingencies. My budget has some room the expected unexpected.

I am rather insurance avoiding by nature. I have liability on the vehicles but no comp or collision. I also have an extra vehicle and enough reserve to cover repairs. Over a few decades of driving this has saved me the price of a few cars. On 4 vehicles it saves over $500 a month.

There is more than one right way to budget for business or personal finances.

I don't think there's "foofurrah"; I think there are people disagreeing.

There was an emotional response and at least one epithet thrown. For something that innocuous? I'm sticking with proportional foofurrah.

Speaking for myself I saw the issue as being offended by the quote that said in effect, if you don't budget the way I think you should then you aren't a real business. There are plenty of successful businesses that don't budget and plan by any accepted standard.

I have a c-corp and a non-profit foundation. I filled out the paperwork and filed myself. It is likely that most businesses pay to do this. There are a lot of resources to help small and large businesses succeed, but telling the business owner that they are a hobby because they don't conform to a specific budget is not accurate.

We don't have board meetings and don't have a lawyer on retainer. We often work in tank tops and flip flops. We also have thousands of customers that never thought for a moment that we were not a real business.

My annoyance was completely with the unknown lawyerly type quoted, and really he doesn't matter to me. It is an attitude that I have seen elsewhere as well. In my definition the difference between hobby and business is the intent and attitude of the owners.

I think the word "budget" has a specific meaning to businesses. Businesses who seldom need a lawyer will pay for one when needed out of "contingency" or "miscellaneous". They have a plan for paying a lawyer if they need one. It is just not a budget line-item called "lawyer". And I don't blame them for taking offense at the word "hobby". Even if someone is taking a risk the shouldn't (which I don't think including legal contingencies under another line item without the word "legal" or "lawyer" qualifies as) that still does not make the business a hobby.

I think it's two things: 1) people are disagreeing with his assertion to various degrees, and 2) the hot button language you noted inspired a slight offense and a more colorful disagreement than if he had phrased his opinion differently. His delivery kind of sucked, and, to be honest, I sort of stopped thinking about his point when the first thing I thought was, "Wow, he sounds like a jackass."

Meaning, asking what do people think about having a line item for legal expenses? probably would have simply started a conversation sans epithet and emotion. It was the dude's quote and delivery.

I mean, that's not an unusual thing, is it? If someone hacks me off, my response isn't going to be as measured.

Is my opinion.

So I haven't quite figured out the copy paste thing on this pad, but ITA with Jen.

OK - I've finally edited the text and obtained all the rights I need for the graphic book. Which means I'm almost ready to turn this thing over to a graphic designer.

I have three files. A text only file that includes really extensive instructions. [Insert picturename.tif here.] [The eye should be drawn to this text first] [The eye should be drawn to that text second.] [This next text is a caption. This next text is a footnote.] All instructions and file names are in square brackets and 12 point. Actual text is all in 14 point and not in brackets. Probably as many words of instructions as of text. I also have a summary text file. And I have a graphic mockup, not professional quality but maybe helpful to the designer in seeing what I want to do.

I'm thinking I should also make a "clean" text file. One with just the text, page divisions (so layout knows which page to put what on) the graphic file name, and labeling stuff that is a photo caption or a footnote. First am I right that a graphic designer will need a clean text file to do his or her job right? Second, am I right about what instructions I should leave in the clean file: page numbers, file names and labeling photo captions and footnotes? Or is saying [photo caption] before a photo caption and [footnotes] before the footnote section of the page still too much instruction? Once I have my ducks in a row I'll start approaching graphic designers for bids.