My finances.

[David Kastrup]

Hi folks,

I've been afraid of looking at my bank account for the past months but
finally had to do so. For the last three months, the payments from
LilyPond users were stable: one paying €100 monthly, one paying €75
monthly, one paying €10 monthly. Thanks, you know who you are (I hope).

When adding in the payments arriving via Paypal, I am at about €200 per
month. Which doesn't pay for a whole lot of bills in Germany.

Now obviously I am not currently providing a whole lot of value in
return but at least enough that we will hopefully be seeing a reasonably
tolerable stable version 2.20 soonish and it's not like I have nothing
to do with it, either. And it's not like when I wasn't yet hampered as
absolutely by the blood pressure medication until skipping it gave me a
stroke and not burned out as much that I earned as much as a software
developer of my productivity then. Or even as much as a janitor.

I'll go looking for a menial minimum wage job soonish where I don't need
to be creative on command. In the meantime, try thinking about whether
my contributions to what LilyPond is have been of value to you. And if
they were, consider giving some back. And if you can't think of
anything better than money, that's ok with me too.

All the best

David

[Thomas Morley]

Post by David Kastrup
Hi folks,
I've been afraid of looking at my bank account for the past months but
finally had to do so. For the last three months, the payments from
LilyPond users were stable: one paying €100 monthly, one paying €75
monthly, one paying €10 monthly. Thanks, you know who you are (I hope).
When adding in the payments arriving via Paypal, I am at about €200 per
month. Which doesn't pay for a whole lot of bills in Germany.
Now obviously I am not currently providing a whole lot of value in
return but at least enough that we will hopefully be seeing a reasonably
tolerable stable version 2.20 soonish and it's not like I have nothing
to do with it, either. And it's not like when I wasn't yet hampered as
absolutely by the blood pressure medication until skipping it gave me a
stroke and not burned out as much that I earned as much as a software
developer of my productivity then. Or even as much as a janitor.
I'll go looking for a menial minimum wage job soonish where I don't need
to be creative on command. In the meantime, try thinking about whether
my contributions to what LilyPond is have been of value to you. And if
they were, consider giving some back. And if you can't think of
anything better than money, that's ok with me too.
All the best
David

Hi David,

I've sent something to your bank account. Should be available soon, if
not already.
Not as much I'd wish and with huge delay (sorry for that) ...

Thanks for all you've done and do.

@ all:
I'd like to invite you to consider joining (if not already done).
Well, I'm not a native speaker so I doubt I've expressed myself
accurately, so you may reread the mail I reply to.

Thanks,
Harm

[Karlin High]

Post by Thomas Morley
I'd like to invite you to consider joining (if not already done).

And if anyone is wondering how:

<http://lists.gnu.org/archive/html/lilypond-user/2017-05/msg00533.html>

"In Europe's EURO zone [...] SEPA transfers are usually easiest
(account number on request) as the fees must not exceed in-country EUR
transfers. U.S. and U.K. and a number of other countries get fewer
fees via Paypal (this mail address works fine)."

Post by Thomas Morley
Well, I'm not a native speaker so I doubt I've expressed myself
accurately, so you may reread the mail I reply to.

I find little to correct. Dein Englisch ist besser als mein Deutsch.

[Caio Barros]

Post by Thomas Morley

Post by David Kastrup
Hi folks,
I've been afraid of looking at my bank account for the past months but
finally had to do so. For the last three months, the payments from
LilyPond users were stable: one paying €100 monthly, one paying €75
monthly, one paying €10 monthly. Thanks, you know who you are (I hope).
When adding in the payments arriving via Paypal, I am at about €200 per
month. Which doesn't pay for a whole lot of bills in Germany.
Now obviously I am not currently providing a whole lot of value in
return but at least enough that we will hopefully be seeing a reasonably
tolerable stable version 2.20 soonish and it's not like I have nothing
to do with it, either. And it's not like when I wasn't yet hampered as
absolutely by the blood pressure medication until skipping it gave me a
stroke and not burned out as much that I earned as much as a software
developer of my productivity then. Or even as much as a janitor.
I'll go looking for a menial minimum wage job soonish where I don't need
to be creative on command. In the meantime, try thinking about whether
my contributions to what LilyPond is have been of value to you. And if
they were, consider giving some back. And if you can't think of
anything better than money, that's ok with me too.
All the best
David

Hi David,
I've sent something to your bank account. Should be available soon, if
not already.
Not as much I'd wish and with huge delay (sorry for that) ...
Thanks for all you've done and do.
I'd like to invite you to consider joining (if not already done).
Well, I'm not a native speaker so I doubt I've expressed myself
accurately, so you may reread the mail I reply to.
Thanks,
Harm

Thanks for bringing that to attention, Harm. I believe my last email
didn't went through, so I'll write again.

David, I also sent a l little bit of money. I, too, wish I could send more,
but I'm not exactly wealthy, working on a shitty job in third world
country... You say you cannot deliver much value, but I believe we are the
ones in debt with you. You seem to be one of the more knowledgeable persons
here when it comes to the Lilypond code and Scheme. I don't follow the
commits of the Lilypond development, but I'm sure you made a lot of
worthwhile contributions in the past. Besides, helping a person in need
should be reason enough.

Caio

[Ben]

Post by Thomas Morley

Post by David Kastrup
Hi folks,
I've been afraid of looking at my bank account for the past months but
finally had to do so. For the last three months, the payments from
LilyPond users were stable: one paying €100 monthly, one paying €75
monthly, one paying €10 monthly. Thanks, you know who you are (I hope).
When adding in the payments arriving via Paypal, I am at about €200 per
month. Which doesn't pay for a whole lot of bills in Germany.
Now obviously I am not currently providing a whole lot of value in
return but at least enough that we will hopefully be seeing a reasonably
tolerable stable version 2.20 soonish and it's not like I have nothing
to do with it, either. And it's not like when I wasn't yet hampered as
absolutely by the blood pressure medication until skipping it gave me a
stroke and not burned out as much that I earned as much as a software
developer of my productivity then. Or even as much as a janitor.
I'll go looking for a menial minimum wage job soonish where I don't need
to be creative on command. In the meantime, try thinking about whether
my contributions to what LilyPond is have been of value to you. And if
they were, consider giving some back. And if you can't think of
anything better than money, that's ok with me too.
All the best
David

Hi David,
I've sent something to your bank account. Should be available soon, if
not already.
Not as much I'd wish and with huge delay (sorry for that) ...
Thanks for all you've done and do.
I'd like to invite you to consider joining (if not already done).
Well, I'm not a native speaker so I doubt I've expressed myself
accurately, so you may reread the mail I reply to.
Thanks,
Harm
_

Sorry if this is a stupid question but I've not had a lot of experience
sending money via Paypal (using *only* an email address as a destination).
So I would like to make sure I get this right. :)

To confirm:
We can just simply send our contributions directly to David's GNU email
address and he will receive the money on his end, is this correct?

I'd like to setup a system where I can easily give more frequently and
regularly to show support, now that my situation has changed as well.

Thanks.

Ben

[Guy Stalnaker]

Yes, using ***@gnu.org from within PayPay (web or mobile app) will get to
him. PayPal will let you specify local currency or Euros.

Regards.

Post by David Kastrup
Hi folks,
I've been afraid of looking at my bank account for the past months but
finally had to do so. For the last three months, the payments from
LilyPond users were stable: one paying €100 monthly, one paying €75
monthly, one paying €10 monthly. Thanks, you know who you are (I hope).
When adding in the payments arriving via Paypal, I am at about €200 per
month. Which doesn't pay for a whole lot of bills in Germany.
Now obviously I am not currently providing a whole lot of value in
return but at least enough that we will hopefully be seeing a reasonably
tolerable stable version 2.20 soonish and it's not like I have nothing
to do with it, either. And it's not like when I wasn't yet hampered as
absolutely by the blood pressure medication until skipping it gave me a
stroke and not burned out as much that I earned as much as a software
developer of my productivity then. Or even as much as a janitor.
I'll go looking for a menial minimum wage job soonish where I don't need
to be creative on command. In the meantime, try thinking about whether
my contributions to what LilyPond is have been of value to you. And if
they were, consider giving some back. And if you can't think of
anything better than money, that's ok with me too.
All the best
David
Hi David,
I've sent something to your bank account. Should be available soon, if
not already.
Not as much I'd wish and with huge delay (sorry for that) ...
Thanks for all you've done and do.
I'd like to invite you to consider joining (if not already done).
Well, I'm not a native speaker so I doubt I've expressed myself
accurately, so you may reread the mail I reply to.
Thanks,
Harm
_
Sorry if this is a stupid question but I've not had a lot of experience
sending money via Paypal (using *only* an email address as a
destination).
So I would like to make sure I get this right. :)
We can just simply send our contributions directly to David's GNU email
address and he will receive the money on his end, is this correct?
I'd like to setup a system where I can easily give more frequently and
regularly to show support, now that my situation has changed as well.
Thanks.
Ben
_______________________________________________
lilypond-user mailing list
https://lists.gnu.org/mailman/listinfo/lilypond-user

[Ben]

mobile app) will get to him. PayPal will let you specify local
currency or Euros.
Regards.

Post by Thomas Morley

Post by David Kastrup
Hi folks,
I've been afraid of looking at my bank account for the past months but
finally had to do so. For the last three months, the payments from
LilyPond users were stable: one paying €100 monthly, one paying €75
monthly, one paying €10 monthly. Thanks, you know who you are (I hope).
When adding in the payments arriving via Paypal, I am at about €200 per
month. Which doesn't pay for a whole lot of bills in Germany.
Now obviously I am not currently providing a whole lot of value in
return but at least enough that we will hopefully be seeing a reasonably
tolerable stable version 2.20 soonish and it's not like I have nothing
to do with it, either. And it's not like when I wasn't yet hampered as
absolutely by the blood pressure medication until skipping it gave me a
stroke and not burned out as much that I earned as much as a software
developer of my productivity then. Or even as much as a janitor.
I'll go looking for a menial minimum wage job soonish where I don't need
to be creative on command. In the meantime, try thinking about whether
my contributions to what LilyPond is have been of value to you. And if
they were, consider giving some back. And if you can't think of
anything better than money, that's ok with me too.
All the best
David

Hi David,
I've sent something to your bank account. Should be available soon, if
not already.
Not as much I'd wish and with huge delay (sorry for that) ...
Thanks for all you've done and do.
I'd like to invite you to consider joining (if not already done).
Well, I'm not a native speaker so I doubt I've expressed myself
accurately, so you may reread the mail I reply to.
Thanks,
Harm
_

Sorry if this is a stupid question but I've not had a lot of
experience sending money via Paypal (using *only* an email address
as a destination).
So I would like to make sure I get this right. :)
We can just simply send our contributions directly to David's GNU
email address and he will receive the money on his end, is this
correct?
I'd like to setup a system where I can easily give more frequently
and regularly to show support, now that my situation has changed
as well.
Thanks.
Ben
_______________________________________________
lilypond-user mailing list
https://lists.gnu.org/mailman/listinfo/lilypond-user

Is it better to use *his* local currency, I assume? Or are there fees on
his end that I can avoid? USD vs. Euro

Thanks.

[Karlin High]

Post by Ben
Is it better to use *his* local currency, I assume? Or are there fees on
his end that I can avoid? USD vs. Euro

I'd say it's better for the receiver if funds are sent in their main
currency. Expect a 2% to 3% conversion fee; exact rates will be shown
before transaction is final.

And yes, sending PayPal to an email address works fine. As I understand
it, if the person doesn't already have a PayPal account, they'll receive
an email with instructions how to set one up to claim the funds.

[Urs Liska]

Post by Karlin High

Post by Ben
Is it better to use *his* local currency, I assume? Or are there fees

on

Post by Ben
his end that I can avoid? USD vs. Euro

I'd say it's better for the receiver if funds are sent in their main
currency. Expect a 2% to 3% conversion fee; exact rates will be shown
before transaction is final.
And yes, sending PayPal to an email address works fine. As I understand
it, if the person doesn't already have a PayPal account, they'll receive
an email with instructions how to set one up to claim the funds.

That is correct, and you should definitely ask that person before if they are cool with that.

Urs

[David Kastrup]

Post by Urs Liska

Post by Karlin High
And yes, sending PayPal to an email address works fine. As I
understand it, if the person doesn't already have a PayPal account,
they'll receive an email with instructions how to set one up to claim
the funds.

That is correct,

Oh wow, that's insidious. Like a bank accepting money on behalf of a
non-customer and then telling him how he can join in order to get it.
In my book, money to non-existing accounts should not be accepted.

Mind you, I do have a PayPal account under that address so my
offendedness is on principle rather than practice.

Post by Urs Liska
and you should definitely ask that person before if they are cool with
that.

Well, the deal is that I try doing what I can, and my focus has
deteriorated even more after my stroke last year since I don't allow
myself to forego my blood pressure medication any more.

Nevertheless, there are still some areas within LilyPond (and C++ and
stuff) where I don't see a good replacement stepping up to the plate
soonish. I aim to get a menial job eventually but it will also be for
menial pay so it will take serious time getting my finances back into
somewhat more reasonable shape.

[Andrew Bernard]

No it is not insidious. The money remains in your balance until accepted by
the receiver. It's a good and fluent system. If the receiver does not
accept it, it remains your money. Paypal international fees are vastly
lower than our Australian bank charges. Useful and easy and completely
ethical.

Andrew

Post by David Kastrup

Am 9. November 2018 16:02:44 MEZ schrieb Karlin High <

Post by Karlin High
And yes, sending PayPal to an email address works fine. As I
understand it, if the person doesn't already have a PayPal account,
they'll receive an email with instructions how to set one up to claim
the funds.

That is correct,

Oh wow, that's insidious. Like a bank accepting money on behalf of a
non-customer and then telling him how he can join in order to get it.
In my book, money to non-existing accounts should not be accepted.
Mind you, I do have a PayPal account under that address so my
offendedness is on principle rather than practice.

[David Wright]

Post by Karlin High

Post by Ben
Is it better to use *his* local currency, I assume? Or are there
fees on his end that I can avoid? USD vs. Euro

I'd say it's better for the receiver if funds are sent in their main
currency. Expect a 2% to 3% conversion fee; exact rates will be shown
before transaction is final.

If you're UK-based and sending foreign currency, you should of course
use a credit or debit card that has no foreign currency (loading) fees.
Such cards are listed on the https://www.moneysavingexpert.com site.
I don't know whether paying PayPal in this manner counts as a
cash withdrawal (use debit card) or not (credit card also ok).

In the US, there are similar credit cards (like Barclays 'ring', not
for cash withdrawals) but I don't know about debit cards issued by
banks, nor how to find out. (AFAIK there's no such site as above.)

Cheers,
David.

[Karlin High]

Post by David Wright
If you're UK-based and sending foreign currency, you should of course
use a credit or debit card that has no foreign currency (loading) fees.

Dunno quite. I think I undersand the idea: by doing a EUR -> EUR
transaction in PayPal, the currency conversion would be done on the
credit card.

However, the last I knew, PayPal foreign-payment fees are higher for
credit cards than for a bank account. I expect it would just take some
research to find which method is the most cost-effective.

Here's the PayPal fees chart, for USA-based users.

<https://www.paypal.com/en/webapps/mpp/paypal-fees#sending-other-countries>

I expect there would be a different URL for other countries. This might
be the one for the UK:

<https://www.paypal.com/uk/webapps/mpp/cross-border-and-conversion-fees>

[Karlin High]

Post by Ben
I'd like to setup a system where I can easily give more frequently and
regularly to show support, now that my situation has changed as well.

I thought there would be a way to set a "recurring payment" in PayPal.
But it looks like that is only available from the "billing" end of
things in PayPal Business, which has features for invoicing the user's
customers. If I'm reading it right, that means a recurring payment would
have to be set up on David Kastrup's end, and he'd be paying the PayPal
fees.

For regular payments, maybe just have to set a calendar reminder.