That definitely sounds onerous, ND! Akin to writing a college/grad school application or something. Which is notoriously onerous. Good luck.

My brother is apparently just becoming more of an ass as he grows up. Now he's posting stuff that I won't click on ( like about how racist microaggressions are a bunch of BS, or so I assume from the title) and referencing "Marxist academia" and how it's so out of hand. Like, wtf brother?

That's a tough thing to have to do, Drew - coming up with a way to explain yourself and your business in way that makes sense, first to you, then to translate into language that will make sense to the loan officers.

I can't imagine that anyone who runs a business feels competent at all aspects of it. You're great at what people hire you to do. I know you're on a deadline for this one, but I understand that business proposals are one of the things that the Small Business Administration offers a lot of help on.

I'm sorry about the family drama and your brother's friend, BT.

My family drama is more trivial, but depressing because it's part of a long-time pattern of dealing with my sister, who never gets me exactly what I asked for, because she thinks it costs too much or she can't find it locally. She wanted a Christmas list from me. I asked for two things on sale on Amazon that total about $40. One is a moderately obscure DVD that anyone with any sense would realize was only available online. She apparently spent the last three weeks wandering around Wal-Mart and calling local stores, then tells my mother she can't order the things on Amazon because the shipping is too much, even though I re-explained free shipping to her. It's hard to figure out anything I want that's in stock at the nearest Wal-Mart. It all sent me into such a funk that I boiled dry something I was supposed to be reducing by half and realized the reason I had so much chocolate glaze was that I read ounces for teaspoons.

Oh, Ginger, that's sad - your sister's inflexibility. Also the boiled-dry reduction, particularly if it's a chocolate glaze. I do not envy you the clean-up.

Ufh, Ginger, that reminds me of my mom. She loves garage sales. But while I also love a bargain, I want it to be a well-thought-out present, not just "look, I saved money!" One year I asked for sheets, a certain perfume (available at any department store) and a book (available at Barnes and Noble). Didn't get any of those things, though you'd think it was simple enough.

Now I get an e-mail from her saying she talked to Amazon and they told her it was free shipping over $50 and she'd have to pay $19 in shipping. I ran the whole process through myself and no, that's not true.

Have I mentioned that my sister has a learning disability that she refuses to acknowledge or get help for, and, like those people who get to age 70 without ever learning to read, she lies constantly. If I tell her that's not so, she will respond, in a great huff, "Well, that's what they told me." I try to be understanding, but after the first 20 years or so, she wore me down.

eta: Really, meara. Is it too much to ask to get what you want? For years, one problem has been that a lot of the small things I wanted have been electronics, which my mother and sister, the inhabitants of the land of the flashing 12:00, decide to get something that seems to them "like" what I asked for. So if I asked for, say, a Sony mp3 player, I'd get an Emerson tape player.

is she opposed to giving gift cards?

I don't understand why people like that even ask what you want. They should just do whatever they are going to do and then at least there are no expectations.

ND! every morning on the radio there's an ad where an "amateur efficiency expert" is asked how to get more time for breakfast. His answer, simply, is "kilts." And every time I hear it I think of you.

I stopped asking for specific things I wanted from my family when I realized they were gonna buy anything else but that. I just gave them general ideas, like, a bathrobe. Whatever they gave me was almost certainly going to be cheap and useless. My family will happily buy presents at yard sales and brag to the recipient about how little they paid for it. I mean, sometimes you find great stuff secondhand, but some things should really be bought new, especially if they're presents. I don't want a used blender for Christmas.