The biggest thing I noticed when moving from a steady paycheck to self-employment is that banks and creditors treat the self-employed almost exactly like the unemployed. They barely trust your tax records and treat cash in the bank as if it will vanish the second they give you credit for having it. I could buy a house with 70% down and mortgage the rest, yet they will still scrutinize every detail of my life. Ironically, they should want a borrower with 70% equity to default; it would be a massive profit for them. I always assumed there was a point in the mortgage-to-asset ratio where risk simply disappeared, but it turns out there is no such thing. If a lender argues that the housing market could collapse, my response is simple: if the market drops 70%, my house is the least of our worries, the entire country is collapsing.
Borrowing used to be easy for me because of my professional banking relationships. I leveraged debt to scale quickly, building the credit necessary to acquire assets and pay them off with cash flow. On a personal level, however, the process is much harder and far less “boutique.” I’m aware there are lenders who cater to high-net-worth individuals to solve these exact problems, but in my personal life, I don’t really intend to borrow money at this point. If I can’t pay in cash, I probably don’t need it. Yet, I still believe that over the next few years I can generate a higher return on my capital than the current mortgage rates, so I find myself needing to explore borrowing even if I pay it back early.
This friction is especially evident in the domain industry. Domains can be incredibly profitable, but that success doesn’t always translate cleanly onto tax forms. While you might pay a lot in taxes, the revenue is all over the board. You could see seven figures one year, half of that the next, and potentially six figures this year if sales don’t pick up. This volatility is exactly what banks hate. They value the consistency of a modest paycheck over a person with inconsistent income and $800,000 sitting in the bank.
Quote of the Day: “Consumers don’t produce inflation. Producers don’t produce inflation. Inflation is produced only by too much government spending and too much government creation of money, and nothing else.” — Milton Friedman
Domain of the Day: YourVeneers.com Nice add on of Yours to save a little money but still get a great consumer facing name
Please Note: The list below contains affiliate links and/or names that have been posted for a fee. It is how we pay for our time since it is a free site. More details at bottom of page. Can go to any of the auctions by adding the names at the end like this one
Dynadot
RealDate.com I feel like this is still going to be an AI date
BeyondTheBeat.com Good music newsletter or podcast
BuildYourDreams.com So many angles here
MindCharge.com At $10. Decent brandable for the price with the keyword Mind
ApplyAgentic.com Show people how to apply AI to the business
Bake.house Perfect use of .house
AgenticVoice.com A product more than a company
GentleYoga.com The only kind I can do
Easy.solar Maybe you don’t want to pay up for the dot com
Namejet
TemporaryStaffing.com Get the pair
Thornhill.com Sounds like a family office and a Golf Course
Vocero.com Upgrade name for a few companies
Caterers.org Directory. Is there a Caterer’s Union 😂
MatchKey.com Like the brand. Exudes opening
Boomly.com Decent Brandable
RiskAnalysis.com Very generic but I think its one of the most important terms in the present space
BioFocus.com Fantastic tech and biotech name
NuPen.com A new way to write
TempStaffing.com Even with AI, Temp staffing will never go away
Atom – Active Auctions
ZSX.com No reserve. This LLL will sell
Spendsight.com Purchasing analytics come to mind
HitLead.com The more leads, the better
Zoib.com No reserve. Opening offer is $100
Sweatly.com Liked this name at the original auction
LunarStrategies.com No reserve at $50. Cool name for $50
Gardenish.com Still approve of this one
HOUQ.com Pronounceable 4L.com
Sedo
Rerki.com Another 5L that met reserve. Probably hand regging and flipping but the price is fair for the lazy
InventoryNow.com Much better than Inventory.now IMO
Zumsa.com 5L has met reserve at $79
Zusla.com Same
Missed.ai Reserve under $1000
Catched
Wanted.es Another .es English word catching bids
AZE.media Over $1K. Probably some SEO juice
Rolland.us A lot of companies under the name Rolland
OBE.cc LLL.cc still in demand
KVR.mx MX domains always do better than I think
Space.ec I don’t know .ec well but Space is a pretty good keyword. No bids
TheAi.shop The SLD and the TLD play well together. AI may catch on
Bitcoin.clothing Getting a few bids
Namepros Auctions
There is an auction going on now for 10 LLLL.coms including UFWV.com registered in 2005 Bid HERE
Godaddy Domains With Bids
ZSec.com Most bids on the Godaddy board. Several companies have this name
Fixm.com Nice group of LLLL.coms today
Egag.com
QCSE.com
RXXP.com
UDMG.com
ZBUD.com
Yaiz.com
DiagnosticServices.com Multitude of things need diagnosis
RawStraw.com No plastics
OneHorizon.com Sounds like Venture Capital
CryptoConference.com Super generic but crypto is down but not out
ChainMax.com Like I said, chains still going strong
Transhuman.com Just have to overcome the trans. Price says they already have
AntiqueFarming.com Old tractors or hunt down valuable antiques
Capre.com Plural for “Goats” in Italian and Romanian
OriginalPower.com Power anything
LiveCourt.com Watch the case as it happens
IceMate.com Injury Ice
LowestMortgage.com Great SEO lead gen name
NameBranded.com Good for our industry or marketing
Retrofit.org Restomod
EmeraldStreet.com Another family office name
GoDaddy Names Value Names (Low or No Bids)
Other GoDaddy Names With More Than One Bid
16787.com
3402.cc
36383.com
3946.cc
3jm.com
4285.cc
4286.cc
4289.cc
4516.cc
4645.cc
4727.cc
4975.cc
5zz5.com
6230.com
68282.com
69575.com
76717.com
78689.com
79757.com
acroverse.org
AndyMartinStudio.com
ArtDecoSociety.org
BankForProfit.com
BestBuyRealty.com
BusinessOfPurpose.com
CreditCard1.com
CurrencyRates.org
CyberPrayer.com
drted.com
ds6.com
eatatmurphs.com
eelotto.com
esgcloud.com
ExclusiveAdventures.com
FanLift.com
FreeExercise.com
GhostStore.com
GlobalGeopark.org
GreatMexicanCuisine.com
HaitiTransAir.com
HanburyTenIsOn.com
heckyeahbbq.com
hfdx.org
HinckleyPastPresent.org
Hircarra.com
icigar.com
investuae.com
JerseyGolf.com
jobsarkari.com
konee.com
kothurestaurant.com
LabellaVitaItalianGrill.com
locamoda.com
LoveAtFirstBite.com
LoweStrateMortgages.com
MangaPark.io
mareckcenterfordance.org
MatisseBar.com
MetaLogo.com
mzsoft.com
njhopeline.com
NoticePeriod.com
OkScore.com
OlneyWinery.com
optema.com
ozmosis.com
PaceGlobal.com
PanoramaHotelBodrum.com
PollService.com
Pro-Flooring.com
profitfi.com
ReportGuru.com
RiversideInnGlendive.net
RoboticGate.com
SatisGroup.com
SimonSoft.com
SocialWeave.com
SolarTechAdvisor.com
StackLock.com
theatreforward.org
truckcoin.com
truehab.com
UniversityCoach.com
UtilitySafety.com
vanessakisuule.com
VerifiedCarbon.com
VitalityVault.com
WayPlay.com
WealthInformatics.com
wmass.com
WolfpackSecurity.com
WowCrypto.com
WrightChoice.com
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