Credit unions. Hadn't even thought of them as I thought you had to be a "member" or something. But that's prob just ignorance on my part. Thanks much for putting me on to this as an option.

Thx. This is the "ballsiest" suggestion of all of these so after I expend other options, I will def explore this.

I'm praying it doesn't come to that. Thx.

You could also sell your house. If you skip a payment or two, the bank will probably start begging you to do a shortsale. In which case you rent for a year or two to fix your credit, and then buy another place.

This is really really helpful. Thanks a ton.

Isn't it though? Glad I could help.

Thanks to you folks for the responses/suggestions. I think I was pretty ticked at Wells Fargo for what seemed like a non-sensical result. But was also "cutting off my nose to spite my face" with my idea to play chicken with them.

Thanks for talking me off the ledge :)

I get that devs are in demand and that folks should be paid fairly, but after reading this, I don't know if I'd want to work with you in an employer-employee relationship or even as a colleague.

This smacked of a level of entitlement that I think would be cancerous to any group of people working together. Just my $.02.

Jason - Thanks for your thoughts on newsletters.

Do you think there is room for something targeting the entrepreneurial demographic? (if there is such a thing) I'm not talking just startups but small biz types of which there are many. The problem is that the group is heterogeneous but would seem to be valuable to advertisers if there was content the group valued.

On another note, I've heard newsletters by some big established media outlets, Forbes, Fast Company, etc charge $250 per thousand subscribers. Seems absurd but what we were quoted once for an ad placement in of their newsletters.

Small-medium sized business owners are worth a lot of money. I think there's a ton of room there. I've thought about that demo as well. You'd really have to keep it tight.

Yes - keeping it tight given the diversity of that audience will be key.

In your experience, is there a # of subscribers at which newsletters become interesting to advertisers? e.g., min of 10k subscribers, 20k, etc?

In our experience, once you hit above 50k subscribers it starts to get the attention of advertisers. Also important is how long you have been doing it for, it takes time to build up trust.