61–70 of 70 posts
An easy way to take this to the next level (and be truly no-code) is: https://www.tillerhq.com/ I love being able to continue using Google Sheets shortcuts + automation features. It allows me to generate well-formed reports that I can analyze with pivot tables or any of my normal processes that I use for analyzing datasets.
What about Mint?
> I looked into existing budgeting software such as Mint or YNAB; they were feature packed but cumbersome to setup and complex to use. All I wanted was a simple, unified view of my transaction history across all payment mechanisms with a few spending categories from which I could do my own analysis.
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Banking in the US is utterly ridiculous. In Europe, if you need to move up to 100,000E in a day, you can do it with a few clicks or taps, and maybe a card reader that they already gave you. In the US, you have to use a wire transfer is you're moving more than about $4,000. And wires cost a lot of money. And they aren't even instant even though they are billed that way. I had to move some money from one account I own…
I've given up moving large amounts of money electronically in the US. It just doesn't work. What does work? Write a paper check to yourself on the "from" bank and use the "to" bank's app on your phone to take a picture of the check for deposit, then keep the paper check in a file folder for later auditing. Seriously. This is disgusting but it works.
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Banking in the US is utterly ridiculous. In Europe, if you need to move up to 100,000E in a day, you can do it with a few clicks or taps, and maybe a card reader that they already gave you. In the US, you have to use a wire transfer is you're moving more than about $4,000. And wires cost a lot of money. And they aren't even instant even though they are billed that way. I had to move some money from one account I own…
What's wrong with doing an ACH transfer for amounts of more than $4,000? Most large banks seem to have limits of $25k/day for those transfers and that can be increased pretty easily (at least on business accounts). There usually aren't any fees for those either.
For anyone who wants to do things like double-entry accounting with transaction splits (e.g., properly encode an Amazon order for 5 different items from different expense categories, that're paid for by a mix of rewards points, Gift Card balance, and CC), there's GnuCash. You can also do things like record transactions yourself, update with downloaded data, and reconcile against monthly statements (as another way of…
1 - http://furius.ca/beancount/ 2 - https://plaintextaccounting.org/
> As an engineer, it is in my DNA to build things. However, it’s too easy to get stuck in the mindset that you have to build everything. This mentality often leads one stuck with a plethora of incomplete products that grew too complex to finish before losing interest. This. I can relate so much. I feel my instinct is always to roll-my-own because I can and, perhaps more importantly, because I'm not familiar with rele…
I'll be adding more in the coming days...
To directly answer your question, I would recommend Bubble.is as a great place to start in the no code space.
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What's wrong with doing an ACH transfer for amounts of more than $4,000? Most large banks seem to have limits of $25k/day for those transfers and that can be increased pretty easily (at least on business accounts). There usually aren't any fees for those either.
You must be quite rich. Every account I've ever seen limits ACH to $4,000 unless you have at least $100,000 in the bank, and then they will up it to $25,000.
Very cool. Using email notifications to get transaction data is a nice hack. If you do find yourself wanting a more formal API, check out Plaid ( https://plaid.com/ ). I've never used it myself, but I believe the free plan is enough to get your personal transactions.
My bank doesn't provide an API. So I just automated a headless browser to log into my account and download the statements.
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I've given up moving large amounts of money electronically in the US. It just doesn't work. What does work? Write a paper check to yourself on the "from" bank and use the "to" bank's app on your phone to take a picture of the check for deposit, then keep the paper check in a file folder for later auditing. Seriously. This is disgusting but it works.
It works but it doesn't clear in the same day. If you need the money today, a wire transfer is the only way.
Which is helpful in cases like this. And purely idiotic in many other cases because it enables check cashing scams which are probably the number one most popular scam in the US.
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You're lucky it went in three hours. A couple of times I've moved between $17,000 and $40,000, and Chase sits on it for up to TEN DAYS before it will release received the funds. Chase claims it's a federal regulation, but no one in the branch or on the phone can tell me which one.
Any transfer of $10k or more (and in many cases less) requires reports by the financial institutions to the IRS and potentially other government agencies. Why that would cause huge delays I don't know. Most likely Chase just wanted to make some money on the float.
It's all about the float.
The federal deposit rate for banks is 2.35% right now. That's $64 to the bank for every million dollars every day it is deposited at the fed.
Now imagine a large bank like chase is dealing with billions of dollars a day in transfers. Hold it several days when you receive a transfer and hold it several days before sending a transfer and you are making literally millions of dollars every month just for dragging your feet on transfers.