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zaurg posted:Couple hundred bucks per month... for plasma? For real? Money problems solved.
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Feb 3, 2019 18:57
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zaurg posted:Couple hundred bucks per month... for plasma? For real? Yes but you can't do it in shitcoins. At the right place you can clean up to $300ish if you donate enough time and are a good "frequent" donor.
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Feb 3, 2019 19:32
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BAE OF PIGS posted:Started selling my plasma again. Last did it in like 2005 because I was a poor college kid. I don't really need the money, but its an easy couple hundred bucks a month and I'm just going to put all of it towards my Roth IRA. I feel like there might even be another good reason to give plasma, but hell, can't quite put my finger on it!
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Feb 3, 2019 19:34
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GoGoGadgetChris posted:I feel like there might even be another good reason to give plasma, but hell, can't quite put my finger on it! Last time I gave blood they were telling me I should really donate plasma since I have a good blood type or something. Maybe I should give it a go
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Feb 3, 2019 19:46
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GoGoGadgetChris posted:I feel like there might even be another good reason to give plasma, but hell, can't quite put my finger on it! To enrich the profits of the blood products industry?
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Feb 3, 2019 21:21
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Motronic posted:To enrich the profits of the blood products industry? basically this. at least the plasma "donation" centers compensate you. i used to sell plasma but my work hours generally preclude me going when the place near me is open, and i make enough now where if given the choice between spending an hour and a half at the plasma place and getting like 40 bucks or just going home, i'd rather just go home.
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Feb 3, 2019 21:28
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I tried it once but being quickly rehydrated with saline the way they did gave me loving terrible chills so I didn't do it again
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Feb 3, 2019 22:23
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I'm in QA for a company that collects blood and plasma. There is a center in Tennessee in our company that has two donors with some type of super rare antibody, and they pay them $750 per donation. The vast majority of centers just collect what's called normal source plasma and don't do any sort of typing or testing for certain antibodies (except for the required tests for transmissible diseases). But yeah, all that stuff goes straight to big pharmaceutical companies. I mean, a lot of it is made into medications for people with rare diseases, but the stuff that's used on burn victims or in the ER or whatever comes from the Red Cross.
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Feb 3, 2019 22:23
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BAE OF PIGS posted:I'm in QA for a company that collects blood and plasma. There is a center in Tennessee in our company that has two donors with some type of super rare antibody, and they pay them $750 per donation. How do you find out you have a super rare antibody? Like "oops I survived X often fatal disease" or?
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Feb 3, 2019 22:31
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H110Hawk posted:How do you find out you have a super rare antibody? Like "oops I survived X often fatal disease" or? Some centers just perform additional testing on whole blood samples that are collected on your first donation and every four months after, or right off each donation. Generally people who come in to donate don't know they have this until they donate and they're told.
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Feb 3, 2019 22:44
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Turns out I'm naive for thinking plasma donations would be used to improve lives I hope the couple times I did it in college didn't produce too many canisters of chemical weapons
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Feb 3, 2019 23:26
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GoGoGadgetChris posted:Turns out I'm naive for thinking plasma donations would be used to improve lives [ASK] me about my former company running a blood drive for an employee who needed it, and then a donation drive so he could repay the $122,000 in medical bills for his transfusions of the blood people donated. 
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Feb 4, 2019 00:17
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GoGoGadgetChris posted:Turns out I'm naive for thinking plasma donations would be used to improve lives If it makes you feel any better, they were probably more likely to be biological weapons.
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Feb 4, 2019 06:23
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gently caress Chase. They’ve been sending out these promos where if you open a checking account (with direct deposit) you get $300, so I signed up and use the routing /account number given to me when I logged into chase. This was maybe 2 weeks ago, after my paycheck on the first. Fast forward to today at 9 am, payday, and nothing is in my account. I call them up and at first they say it’s pending and should hit by noon, but then they ask what routing number I used-I tell them the one on the website under my account info. They ask me to login and give them the routing number. Apparently between when I signed up and today, they changed the routing number in my checking account. Both routing numbers are to Chase, but since (according to them) I entered the wrong (old) routing number, they would have to transfer me to the claims department  I get transferred and they admit no guilt of their own, but just say that since it’s a different routing number the payment will have to get rejected and then it *should* be able to just go into my account. However, that will take 1-2 business days to process. I try to get the situation escalated, and I do get to speak with a mouthy supervisor who tells me it’s all automated and there is nothing she can do. I ask to talk with her manager and she places me on hold for a few minutes, only to come back and say no one is available but she will request a manager calls me back, which of course will take 1-2 business days as well. However I can try and call back later to talk to a manager if I want. I bitched her out how it’s not my fault this happened and asked why chase won’t admit their guilt and she sticks with the company line. I tried emailing customer support and tweeting, but they have all just come up with the same conclusion : no admission of guilt on their end and it will take 1-2 business days to sort out. Of course there is also the off chance that they can’t get the payment into my account, at which point I’ll have to go to my employer to try and get them to resubmit funds. I’m sure chase just thinks I googled a routing number and entered the wrong one, and I’m sure it is an automated system, but I’m pretty pissed off this happened on a Friday and they can’t offer anything until 1-2 business days, meaning I probably won’t see the cash until Tuesday at the earliest. I think I’m more pissed off that she couldn’t get a hold of a manager and their system requires 1-2 days to call me back instead of just calling someone up and saying I wanted to talk with someone about this immediately.
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Feb 15, 2019 22:42
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Halfway through the month and my spending money budget is already completely blown. Turns out visiting a nano-brewery you've never heard of but find has amazing beer that you can't get elsewhere gets really expensive real fast.
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Feb 16, 2019 13:02
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I get a letter from Fidelity telling me that the debit card # I use for my Cash Management Account has been exposed in a data breach at Caribou Coffee, and they're sending me a new debit card. The same day, my account gets cleaned out by some shithead at a Orlando Walmart. I call Fidelity, cancel the card, it's gonna take the fraud dept. 10 business days to reverse the charges. 
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Feb 16, 2019 13:34
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Love to get bills for medical expenses from last year because it took Highmark 3 months to decide that they aren't paying for poo poo I mean I was prepared for this and it's not a financial worry but goddamn I hate it
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Feb 16, 2019 13:41
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BigDave posted:I get a letter from Fidelity telling me that the debit card # I use for my Cash Management Account has been exposed in a data breach at Caribou Coffee, and they're sending me a new debit card. The same day, my account gets cleaned out by some shithead at a Orlando Walmart. Good thing they didn't cancel your card when they mailed that letter. Otherwise you would have been inconvenienced. Or do something crazy like block charges outside your usual zip codes.
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Feb 16, 2019 17:08
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H110Hawk posted:Good thing they didn't cancel your card when they mailed that letter. Otherwise you would have been inconvenienced. Or do something crazy like block charges outside your usual zip codes. Best part is, they claim they can't reverse the charges faster because of the PATRIOT ACT. Guess who's switching to Vanguard after this?
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Feb 17, 2019 00:48
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I like my employer match to my 401k. I don't like that it happens this week for all of last year... (At the age of 32 it doesn't matter I know... Just annoying)
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Feb 18, 2019 17:44
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BigDave posted:Best part is, they claim they can't reverse the charges faster because of the PATRIOT ACT. This is one of the classic reasons given for using credit cards for everyday transactions instead of debit. It's a great advantage. I haven't used a debit card for normal things since high school. Still use it for Venmo since they charge a fee for credit.
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Feb 18, 2019 18:10
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Don't ever use a debit card for anything unless you absolutely have to, problem solved. They are a fraud and theft liability even when they are sitting in your drawer. I have one debit card for a secondary checking account and do not have one for my primary checking account, savings account, or money market accounts. My primary bank now has app-based multi-factor authenticated ATM access so it isn't even necessary for retrieving cash most of the time.
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Feb 18, 2019 18:26
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I didn't even have a debit card until Chase got rid of their ATM-only cards and made them debit as well.  ChaseHowever, that still didn't stop someone from stealing my ATM-only card number one time to pay their Comcast bill. Since I only ever used the thing on Chase ATMs, there was either a skimmer set up somewhere and I didn't notice it, or a random number generator got lucky.
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Feb 18, 2019 19:08
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BWM Thread has moved to E/N Subforum! Spoiled in case you like the easter egg hunt
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Feb 18, 2019 19:54
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GoGoGadgetChris posted:BWM Thread has moved to ahhhhhh. TY!!!!!
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Feb 18, 2019 21:18
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There was a budget spreadsheet template posted somewhere recently and I can't find it. Anyone know what I'm talking about?
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Feb 19, 2019 22:29
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moana posted:There was a budget spreadsheet template posted somewhere recently and I can't find it. Anyone know what I'm talking about? I do and I believe I saved the link but I’m on mobile. I’ll try and find it later.
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Feb 20, 2019 00:32
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I've been using this with success for the last few months: https://aspirebudget.com/ It's a google drive budgeting spreadsheet, designed to work similarly to YNAB.
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Feb 20, 2019 11:22
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Slash posted:I've been using this with success for the last few months: I use Google sheets and Google forms to so budgeting for my wife and I and it is similar to that but not as fancy Using Google forms to enter purchases as I make them is really easy
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Feb 20, 2019 19:53
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The Slack Lagoon posted:
How do you do that, if I may ask? We use a paper envelope system plus sheets but this would save us from that step.
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Feb 20, 2019 20:52
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Elvis Enwright posted:How do you do that, if I may ask? We use a paper envelope system plus sheets but this would save us from that step. Make a Google sheet then make a Google form and set the output to a tab on the Google sheet and then make tabs for each month and use formulas to pull the numbers from the input page. I've been doing this for like 4 years works well
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Feb 20, 2019 20:57
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The Slack Lagoon posted:Make a Google sheet then make a Google form and set the output to a tab on the Google sheet and then make tabs for each month and use formulas to pull the numbers from the input page.
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Feb 20, 2019 21:00
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I could share a template for what I do but some of you will say my formulas are poo poo and they probably are but they work
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Feb 20, 2019 21:07
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The Slack Lagoon posted:I could share a template for what I do but some of you will say my formulas are poo poo and they probably are but they work Better than no formulas unless it's literally wrong at math and slowly bleeding you dry.
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Feb 20, 2019 21:21
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The Slack Lagoon posted:Make a Google sheet then make a Google form and set the output to a tab on the Google sheet and then make tabs for each month and use formulas to pull the numbers from the input page. I've been doing this since 2014 as well and while I'm 100% sure there are more efficient ways to set up the formulas I agree that it works well. It takes less than 5 minutes to set up the sheet each month in addition to actually allocating funds, and maybe an hour once a year to copy over my annual tracking stuff. I'd be interested in seeing what we can share to improve all our setups. Fun fact, doing this for years is how I learned a Google Sheets workbook has a 2 million cell limit so now I'm on my third one. We also enter all our income in ours and have that all go into another cell to budget against. It's basically a DIY customizable YNAB. Damn Your Eyes! fucked around with this message at 17:08 on Feb 21, 2019 |
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Feb 21, 2019 16:59
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drat Your Eyes! posted:I've been doing this since 2014 as well and while I'm 100% sure there are more efficient ways to set up the formulas I agree that it works well. It takes less than 5 minutes to set up the sheet each month in addition to actually allocating funds, and maybe an hour once a year to copy over my annual tracking stuff. I'd be interested in seeing what we can share to improve all our setups. Fun fact, doing this for years is how I learned a Google Sheets workbook has a 2 million cell limit so now I'm on my third one. Yeah, we put in our income as well, so we have a projected income vs budget and then actual income vs budget
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Feb 21, 2019 17:53
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Got a surprise notice today that we’ve paid enough towards our mortgage principle to have the PMI drop off  We knew it was coming up since we’ve been allocating an additional $400-$1000/mo to it, but figured we’d have to fight with the bank to get it taken off. It was nice that they just did it without us asking.
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Feb 27, 2019 04:49
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Cacafuego posted:Got a surprise notice today that we’ve paid enough towards our mortgage principle to have the PMI drop off That's a great feeling, and awesome the bank did it without having to be asked. I had to write a letter when I hit 79% LTV to get mine dropped.
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Feb 28, 2019 17:53
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I have gotten PMI dropped on three mortgages now and each time received pushback from the servicer after meeting the requirements of federal law. PSA: the CFPB will go to bat for you if you submit a complaint, including seeking retroactive reimbursements for unearned PMI premiums.
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Feb 28, 2019 18:12
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Nocheez posted:That's a great feeling, and awesome the bank did it without having to be asked. I had to write a letter when I hit 79% LTV to get mine dropped. It's "supposed" to be automatic at 78% of the homes appraised value when you closed. I called mine at 80.roundingerror% and asked, they gave me the exact dollar amount I needed to pay to get it removed, and to call them back when it was cleared. Got a check in the mail for like $5 in PMI refund. It was Wells Fargo even. I was shocked.
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Feb 28, 2019 18:14
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