• 0 Posts
  • 26 Comments
Joined 1 year ago
cake
Cake day: August 14th, 2023

help-circle
  • You can donate blood in 20 minutes. It takes an hour plus to donate plasma

    Am I going to sit in a chair for an hour plus without any compensation? Maybe once or twice here and there. But you can donate plasma at least twice a week.

    It requires two donations for a single unit. If you donate once and don’t donate the second, then your first donation is unusable. You have to get them to donate twice.

    When I was donating plasma, it paid about $75 for each donation. 50 first, 100 for second. The money is pretty good. $300 a month is a lot for a lot of people.

    If you didn’t compensate people for plasma donations, a lot wouldn’t do it. They currently need more people to donate.

    Plasma “donation” is a good thing.






  • That’s why death penalty shouldn’t exist for crimes like a wife killing a husband. You might be 99.9% sure she poisoned him, but you cannot know for sure.

    However, a school shooter caught red handed shooting a school?

    Some crimes and scenarios can warrant the death penalty in my mind

    Next argument is “what if the government framed people to execute them?”

    Why in the world would the government point out that they are executing someone?

    If the government (the rich controlled government) wants you dead they would do it quietly.

    Even something as simple as cutting your brake lines. You really think local police are going to figure out that the government had soldier 65478 tamper with your brake lines?













  • Getting a new card will temporarily drop your score a few points.

    If you’re like me that charges everything to a credit card, then you need a lot of available credit to keep the credit utilization low. You want it below 10%.

    High credit utilization is going to drop your score more than opening a new card.

    Say I have 1 card that has 15k limit. If I spend 10k on it. I have a 66% credit utilization. My score would be horrible.

    Now, if I get 7 cards and each have 15k limits. If I spend 10k on them then I have less than a 10% credit utilization and my score would be good.

    Can I get 1 or 2 cards that have credit limit of 105k. Yes. But I have found increasing limit is harder than getting a new card.

    With a new card you can get 0% apr which is free borrowing of money for 12 to 15 months.

    You can get a welcome bonus which are usually very good.

    And you can set it up so that you might be getting more rewards like 5% cash back on dinning or other things that another card might not give.

    Getting more cards has it’s advantages


  • I’ve always found it difficult to increase the credit limit on cards I have had.

    My first card started at 400, and then after a while, I finally got approved for a credit line increase, and it went to 1000.

    A couple of months later, I opened a new bank account and got their credit card. I had like a 15k credit line at the start.

    I’ve never asked for a credit line increase again

    However, add on some more cards, and now I have a hefty credit line

    The best thing about getting a new card is the rewards and perks.

    For example, I just got a new card with 0% apr for 15 months. I get to borrow money conveniently for over a year while making interest on it. I get to keep my money in my investment portfolio while making interest the whole year.

    More cards with higher credit lines means I can spend more during that 15 months while not affecting my credit score. It keeps credit utilization low.

    Yeah, credit cards are easy to abuse. You should always be able to pay off a credit card if need be. You shouldn’t be overspending. Emergencies unfortunately happen, but unless you have the money, you shouldn’t be swiping the card. Treating it like a debit card is the best policy.