I've been working on building a contract that essentially creates a distributed mortgage as a means of fundraising to pull my parents small business out of probate.
I had started with modifying the ConsenSys until I came across the MiniMe token (I like the idea of restoring lost tokens et c) and found medium.com's 0FUCKS token, (c) Moritz Neto with BokkyPooBah / Bok Consulting Pty Ltd. I quite like it for MiniMe incorporation and a lack of import. I want to price it at .01 eth (a penny stock price) and not have to pay for gas after deploy.
I do not want to use a fundraising token tools, as this may be slow growth and does not include repayment with interest. If another contract would fit my needs better that would be great, but I can't afford to do much in testing or deploy attempts. My last attempt resulted in my receiving 0 tokens and losing .04 eth. One of the reason I like the current contract is the address for totalsupply is explicit.
I'm not confident enough to take the abstract/meta example of payable from other answered questions, and I can't afford someone else to do this.