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Ask HN: Disabled and out of work for years, but need some side income

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41–50 of 219 posts

Re: Ask HN: Disabled and out of work for years, but need some side income

#41

For what it's worth, I used to do work on freelancing sites ~10 years ago and just tended to ignore the race to the bottom. I initially charged $50/hr, and regularly raised my rates so that I was up over $150/hr by the time I stopped doing it. Of course I got passed over for a lot of jobs in favor of cheaper folks. But the jobs I did get were from clients who actually respected me. Also, more than once, a client who…

> I'm not sure what the rules are, but perhaps you could set up a corporation that takes on the freelancing jobs and then pays you a salary of $1,200 a month? No, that'll lose you the benefits. https://www.ssa.gov/OP_Home/cfr20/404/404-1575.htm "We will evaluate your work activity based on the value of your services to the business regardless of whether you receive an immediate income for your services." SSI is delib…

>SSI is deliberately set up to fuck people over.

It's a chicken and egg problem because it's guaranteed income. There has to be something where they can do partial work and still be on disability. This example of rising rent means for his area that amount is not enough or he will simply have to move which sucks

Re: Ask HN: Disabled and out of work for years, but need some side income

#42

You might want to expand your focus - if you can't promise to commit to a long-term project due to your health concerns, try talking to local temp services. It won't be tech work, but it will be work and a paycheck. With low expectations of continued work. Low pay, too, but it sounds like you only want some money, not an amount so large to kick you out of your programs. I've also gotten tech gigs from temp gigs - "He…

[deleted]

Re: Ask HN: Disabled and out of work for years, but need some side income

#43

For what it's worth, I used to do work on freelancing sites ~10 years ago and just tended to ignore the race to the bottom. I initially charged $50/hr, and regularly raised my rates so that I was up over $150/hr by the time I stopped doing it. Of course I got passed over for a lot of jobs in favor of cheaper folks. But the jobs I did get were from clients who actually respected me. Also, more than once, a client who…

> I'm not sure what the rules are, but perhaps you could set up a corporation that takes on the freelancing jobs and then pays you a salary of $1,200 a month? No, that'll lose you the benefits. https://www.ssa.gov/OP_Home/cfr20/404/404-1575.htm "We will evaluate your work activity based on the value of your services to the business regardless of whether you receive an immediate income for your services." SSI is delib…

Ah. Well nevermind that idea, then.

I suppose the OP will just have to stick to smaller jobs.

Re: Ask HN: Disabled and out of work for years, but need some side income

#44
post #40

Earlier quoted context omitted.

> I'm not sure what the rules are, but perhaps you could set up a corporation that takes on the freelancing jobs and then pays you a salary of $1,200 a month? No, that'll lose you the benefits. https://www.ssa.gov/OP_Home/cfr20/404/404-1575.htm "We will evaluate your work activity based on the value of your services to the business regardless of whether you receive an immediate income for your services." SSI is delib…

That (among other thigns) is what business do though. I haven't directly contributed to the bottom line for $WORK for over a month, but as soon as I finish my current project it'll have a significant positive impact. They paid me a steady salary regardless. So long as OP keeps their average contribution under $1,200/mo won't they be fine?

> So long as OP keeps their average contribution under $1,200/mo won't they be fine?

No. If their business brings in $5k/month, that's what the SSA will consider their income. Doesn't matter if it's just accumulating in the business's bank accounts; it's OP's income. They've seen people try this trick; it's why the provision exists.

Re: Ask HN: Disabled and out of work for years, but need some side income

#45
I would recommend using your Python skills to write scripts that perform analytics tasks using JIRA Cloud REST API data. Every tech company I have worked in needed some kind of custom reports regarding development performance, time reporting, financial reporting, etc.... and there often weren't suitable plugins for just that task, and the reports themselves are highly valuable either for management purposes or compliance reasons, so they will pay you well. I have written several programs myself to do these tasks (during work hours), and it is quite satisfying to figure out how to get around the API constraints. Could be a nice little line of consulting and development work for you.

Re: Ask HN: Disabled and out of work for years, but need some side income

#46

It's hard to take Fiver seriously. For example a quick search for 'Ruby Rails' and one of the top service providers lists a premium service of 'full stack development app' delivered in 3 days, and including a 15 minute consultation, a project plan, and audit, for ... $20.

Wait until Elon finds out...

Re: Ask HN: Disabled and out of work for years, but need some side income

#47
post #38

For what it's worth, I used to do work on freelancing sites ~10 years ago and just tended to ignore the race to the bottom. I initially charged $50/hr, and regularly raised my rates so that I was up over $150/hr by the time I stopped doing it. Of course I got passed over for a lot of jobs in favor of cheaper folks. But the jobs I did get were from clients who actually respected me. Also, more than once, a client who…

Steps I'm seeing: 1. Find a lawyer 2. Consider a corporation 3. Find an external entity (friend, family, form a trust) to run business Run all plans through lawyer and revive their agreement in writing

> Run all plans through lawyer

I don't think you appreciate how tight the budget of a disabled person on SSI is.

Re: Ask HN: Disabled and out of work for years, but need some side income

#48
My experience is once you step off the path, you're done with corporate W-2. HR will blacklist you if you didn't work 40 hrs in the same job title or one step down last week. Its all about risk minimization and blame minimization for the hiring team, never about "finding someone who can do it" or "finding someone who has done it". Maybe the way to put it is we all know what it takes to work and do a job is not what it takes to get hired. I haven't worked W-2 in some years and its probable I'll never be allowed to work W-2 again beyond McDonalds-level jobs. If you step off the path once, you'll never be permitted the risk of stepping off again.

Staffing-type companies work MUCH better. Someone in IT dept is on maternity leave until March, do whatever you can to help them for two months. Shockingly you can sometimes get 2x to even 3x their "regular" pay for temp. Plenty of companies have never read their Fred Brooks and think if a project is late they can throw talent at it and it'll get done quicker (spoiler alert, more bodies = later due date every time), regardless I don't mind profiting off their project management inexperience. A permanent-ish "grind away at the desk for years" at the corporate job is probably completely off the table; look for big upgrade projects, 2am maintenance/upgrade projects, etc. Baby sitting server upgrades at 2am is not glamorous, but it can be very profitable... Even less glamorous is taking the on call shift at 2am, but when you bill per hour it feels better... I could never work on call permanently, just a few months will burn most people completely out, but this contract ends on march 31st so I can wait it out.

Recruiter-type companies are hit and miss. They usually take a HUGE percentage cut (so you're taking a huge pay cut) but its usually a fixed-ish percentage so they want you billing 40+ hours every week to maximize their cut. Its the same hoops for them to jump thru for a 3-month part time contract at $75 as for a 12-month full time contract at $175 so you're at the back of the list unless they're infinitely bored. Spoiler, they're almost never bored.

Its kind of important to note if you need to report income monthly or annually. Monthly could be tricky, annual would likely be pretty easy. The work tends to be feast or famine; think of your relationship with your car mechanic, either you want it done yesterday and him working 24 hrs/day or you have zero interest in paying him a penny; this is how your clients will look at you. So if you're close to your income budget it'll be pretty easy to not sign a short term contract for awhile or until next year or whatever. On the other hand if you have to report income monthly that might be painful as you'll run into places that bill net-30, net-90, net-seems-like-forever and you'll suddenly get a check large enough to buy a car, but it'll be one and only one check. Here's two totally different phrases "So I see your monthly income is $30K" vs "Once, one month I got a single check for $30K, but that was the only check I got for about half a year".

Re: Ask HN: Disabled and out of work for years, but need some side income

#49
post #40

Earlier quoted context omitted.

> I'm not sure what the rules are, but perhaps you could set up a corporation that takes on the freelancing jobs and then pays you a salary of $1,200 a month? No, that'll lose you the benefits. https://www.ssa.gov/OP_Home/cfr20/404/404-1575.htm "We will evaluate your work activity based on the value of your services to the business regardless of whether you receive an immediate income for your services." SSI is delib…

That (among other thigns) is what business do though. I haven't directly contributed to the bottom line for $WORK for over a month, but as soon as I finish my current project it'll have a significant positive impact. They paid me a steady salary regardless. So long as OP keeps their average contribution under $1,200/mo won't they be fine?

Tax law is written by the rich for the rich. Benefits laws is written by the rich for the poor.

Re: Ask HN: Disabled and out of work for years, but need some side income

#50
post #40

Earlier quoted context omitted.

That (among other thigns) is what business do though. I haven't directly contributed to the bottom line for $WORK for over a month, but as soon as I finish my current project it'll have a significant positive impact. They paid me a steady salary regardless. So long as OP keeps their average contribution under $1,200/mo won't they be fine?

> So long as OP keeps their average contribution under $1,200/mo won't they be fine? No. If their business brings in $5k/month, that's what the SSA will consider their income. Doesn't matter if it's just accumulating in the business's bank accounts; it's OP's income. They've seen people try this trick; it's why the provision exists.

But if their business brings in $5k for one contract done one month and then has no work for 4 months to bring the average under $1,200, is that not above board with such a ruling? Test 3 in that legal document references that their income will be evaluated relative to what salary they might receive for such work, and I wouldn't think it would be reasonable for the business to be expected to pay more than the average value of their output.
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