When you sign up you agree to the fee being broken up in installments. I think they have spelled it out pretty clearly, actually one could consider it ‘free’ financing in a sense. While I don’t like what they have done I don’t see what the big deal is with it.
Determine the root of what gives you anx, is it the not working, not being able to provide, keeping the family afloat? Ways to manage it: Live below your means, diversity your family employment, meaning see if your spouse can be in a different industry that has a different risk profile and save for the rainy day. The feeling won’t ever go away but you can do your best to prep for worst.
Lastly, keep your eyes and ears open. If your company is struggling change jobs on your terms before you take the hit. Good luck.
Over the last year or two I have noticed that a bit more care and scrutiny needs to be put in to a seller and product review before I make my one click purchase. Overall I do think they would get more out of me as a consumer if the market place was a bit more locked down. In some ways it's starting to look like ebay or aliexpress
One possible solution is to have a business partner in the US manage this part of the business. I'd be interested in learning more about what you are doing.
Perhaps this is not the answer you are looking for but I wouldn't start a business just based on how much money I had in my pocket. I'd start a business based on what markets are within my reach, based on connections, skills etc..
I'm actually a YNAB user. My wife and I started using it recently and really enjoy application. The budgeting system works perfect but there are a few features I wish it did have.
1. Target goals - Take the thinking out of saving for a target, you should be able to tell the system I want to save x in y time and it should tell you exactly what you need and if you adjust your budget when the new target date will be.
2. I want to be able to enter my bills into the system when the arrive at my house and have it remind me to pay them X days before they are due. I don't want the paper bills sitting on / in my desk until I pay them (QuickBooks can do this).
I believe Dave Ramsey and his people have put this together is free unless you want bank connection BUT still makes the end user think and do some work. I a totally automated system is BAD as people put their fiances on autopilot.. this SHOULD require some work.
I'd like to know what type of support and skill set you are looking for in a co-founder. I'm a tech guy who really gets excited about health and fitness some details would be excellent.
In general I'm on board with the idea that you should use the language and development platforms that you are best at, this will provide a great advantage. This idea goes out the window in situations where the platform cannot meet the requirements of your system.
Lastly I'm of the feeling that learning a new language is going to really impact your ability to put best development practices in place as you will be working to overcome 'basic' hurdles like learning the system API, stack, conversions, etc...
Just about all the widely public 2 factor schemes out there leverage cell phones via SMS or another route, they all require your device to be some battery life.
You could still say this is 2-factor, I know my phone PIN, and I have my phone. It's interesting, yet not for me.
I'd rather keep with the SMS PIN's as part of my two-factor auth, no third party app required, no lost private keys.
Most people who jump on the 2-factor band-wagon care more about security then speedy access. They are willing to carry an extra device ( smartphone, smart card, USB key, etc... )
I'm inclined to disagree with this comment: The OP is simply saying that they have a developed skill-set and expertise with Java. This goes a very long way about saying who they are. I can assume they have good working knowledge of the Java language in addition to some great tool sets. Lastly having a specialty is never a bad thing.
Could mean a house big enough to support the family.. a studio wont do the job and to support the average family of 4 you'd need at least 3 bedrooms, maybe 2 of they are both large but that gets into other issues..