Canada Powersports Financing vs LendCare for self-employed?

Hey everyone, I'm finally looking to buy a side-by-side for the cottage but finding it tough to get approved with my freelance income. I'm currently looking at Canada Powersports Financing and LendCare. Has anyone here dealt with either of these? Looking for pros and cons, especially regarding how they handle non-traditional income proof.

Wasted $200 on a wireless expander that never worked right

Bought a Honeywell wireless zone expander for a job last month and it kept dropping sensors in a 1500 sq ft house. Tech support had me re-pairing everything 3 times before I finally just hardwired it instead. Anyone else have luck with the wired versions or is this brand just junk now?

Just finished a 4,000 sq ft slab solo and hit 28 yards placed in a single day

The pour was for a warehouse floor in Spokane, and I was using a laser screed with a ride-on trowel. Hitting that yardage by myself was a huge surprise and showed how much the right gear can boost output. What's the most concrete you've ever placed in one shift with a minimal crew?

I just wasted $200 on a coworking space that was basically a ghost town

I signed up for a monthly pass at a new spot in Austin last month, thinking it would be a great way to meet other freelancers. The website had pictures of a full, vibrant space, but when I went, there were maybe two other people there the whole week. It felt so isolating, which totally defeats the purpose of paying for community. I stuck it out for the full month hoping it would pick up, but it never did. Has anyone else had this happen? How do you check if a space actually has a good crowd before you commit the cash?

Had a scary moment with a cracked anvil last Tuesday

I was working on a big custom gate order in my shop in Boise, doing some heavy forging on the hinge plates. After about 30 minutes of hammering, I heard a sharp ping that sounded wrong. I stopped and checked my 150-pound anvil, and there was a fresh hairline crack running about 4 inches across the face near the hardy hole. My heart just sank. I immediately stopped all work, chained the anvil down so it couldn't shift, and started calling around for a local machinist who could possibly weld it. Has anyone here had to repair a cracked anvil face, and what was the outcome?

Just looked up the old price for a coworking pass in Chiang Mai

I was cleaning out my old laptop bag and found a receipt from 2017 for a monthly pass at Punspace. It was 3,500 baht, which was about $100 back then. I checked their site today and the same pass is now 5,900 baht. Kind of crazy how the cost of the nomad basics has gone up in some spots. Anyone else noticed big price jumps in places that used to be super cheap?

Vent: Had to choose between sending a final demand letter or just writing off a $1,200 invoice from a repeat customer. I went with the letter.

Hot take: my 'standard' indemnity clause just cost me $4,000

I had a contract for a website build with a marketing agency in Austin. Their boilerplate said I'd cover any legal costs if my work caused a problem. I figured it was normal. Then they used my code in a way that broke a third-party plugin, and the plugin company sued them. The agency invoked my clause, and I had to pay their $4,000 legal bill last month. I think these clauses are way too broad if they cover the other party's own mistakes, but my lawyer friend says they're just part of doing business. Has anyone else pushed back on this and gotten a more balanced clause accepted?

Overheard a potential client bragging about how they 'never pay full price' for creative work

I was at a coffee shop in Denver yesterday and the person at the next table was telling their friend they always lowballs freelancers after the work is done. They literally said, 'I just say the final product isn't what I pictured.' That's an instant 'no' from me now. Has anyone else caught a red flag in public like that?

Just turned down a big job in Austin because they wanted to pay by the hour

Had a choice between a 40 hour a week contract at $65 an hour or a flat project fee of $5,000. I picked the flat fee because the scope was clear and I knew I could finish it in under 60 hours. Ended up wrapping it in 55 hours, so my effective rate was better. Anyone else have a rule about when to avoid hourly work?