Unless you did a one time close deal, and it doesn't sound like you did, I think you will probably have to be *requalified* for the perm loan. This would likely require a new credit check, and new income verification. As long as you will still comfortably qualify either way, I don't think you are pulling anything over on them. All you can go with is what you are actually making. It's the only thing you, or the bank, can document. And that word *document* is what's important to them. They can't document possible pay cuts, unemployment, bad health or death. OTOH, if you think that qualifying would be dicey, should that pay cut come to pass, it might be best to ask the bank to run some numbers based on what you think that salary might be, just to be sure you will still qualify. Different lenders have different ratio requirements, so you might want to find out if you would still qualify for the same rate, terms etc, under the reduced income. If you have a good relationship with your bank, you might explain it to them, although at this point there's nothing they could do with that info even if you shared it with them. If it was a matter of you maybe not being able to qualify after the paycut, I'd suggest delaying until the uncertainty is over. That's painful. But it beats the alternative of owing on a construction loan, on a house you can't qualify for. Just my 2c.

I breed and show LaPerms. They are still a very rare breed, but not expeisive as many of the other rare breeds. They are very healthy as they have not been over bred. I would be happy to answer any questions about the breed. Or you can visit my web site. I have freinds who are allergic to cats and they tollerate my cats quite well. Here is a link that might be useful: Arohanui LaPerm Cats

Booth renting/independent contractor is essentially a salon with in a salon. I am completely self employed. 100% of my services goes into my pocket. I buy all of my own supplies, pay rent on my station, & pay my own taxes. I pay almost double what most pay for taxes, because when you are self employed you don't have an employer to match your taxes, you pay it all, which is roughly 25% for fed, state, and city. I have been booth rent for 10 years now and if you are very busy it is worth it to do it. However, for the last few years my income has fell dramatically. People are not coming in as often, alot are dropping to one chemical service, I am down to one weekly client (comes in every week to have hair set) as the rest have past on. I have had 5 weekly clients die in the last year and a half which took about $4000.00 a year from my income. I only work about 15 hours a week and after my expenses I bring in around $500.00 a month. I know, it's not much but it helps. I used to average closer to $1000.00 a month but with all the cut backs and deaths over the last few years it's dropped alot. I have often thought about going back on commission but, I like the product I use, setting my own hours, and doing my own thing (I have kids, and my schedule can be as flexible as I need it to be). At any rate, I love my job and my clients and I wish people would remember that when you complain about the price, 9 times out of ten your stylist works on commission. Which means when s/he is setting around, s/he is not making any money. So the next time you forget your appointment or you cancel at the last minute, you just took income from them. Chances are that when they have a two hour or more gap in the day, if they are an employee, they are not allowed to leave (which I can) and if they have kids, they are paying for a sitter while not making any money. In closing and back to the original post, I think I am worth the $35.00 I charge as I believe you get what you pay for. And to everyone in this thread that keeps going to their stylist when you don't really like what they do. Have you told them you don't like something? If they are still not doing what you want, find a new stylist and let that new stylist know exactly why you left your last stylist. You would think an inch is an inch, but everyone's inch seems to be a little different in my world. Show them with your fingers how much you want off. And FYI, most of our combs are 7 inches long and are marked like a ruler. You can use the markings on the comb for reference as to how much to take off. Sorry for the book. Have a great day!:)

For many years I got my perms and cuts at the local vocational school, because we lived just a few steps from the place. Because they had a good teacher/supervisor the work was always done well. Also all work was done by second year students, which may be true at any vo-tech school. After some years the super retired and a new young teacher/super was hired. She was as good as the first one, and she and I became friends. When I had my first knee replacement, she came to my house for my hair cuts. She is now retired, which tells you how long I went there. The new super was not impressive at all. I got a perm a few days before my DGS's wedding and it was a horrible mess. I haven't been back, and that was 2 years ago. I don't like to make appointments, because the day may come and I just don't feel up to going, or it might be raining or snowing, etc. So I go to places like Fantastic Sams (but no more) and WalMart where you don't need an appointment, and have gotten some good perms and cuts, but you can't count on that happening every time. Even so, there is no place here where you can get a cut for $11.00. Minimum here is $14.95. I envy those of you who can cut your own hair. Sue