YNAB drastically changed their pricing (double for "grandfathered" customers), but even more importantly American Express import has been broken for about 6 months now. That was the final straw.
We upgraded to SaaS YNAB and suffered through it for years, before dropping it in our house for the same reason. Syncing was broken for a really really long time. We finally reported it, and it was working the next time we checked.
So, their monitoring (if it exists) is not doing its job whatsoever, and they’re relying on customer reports to find out about months-long outages. Not to mention the smaller sync outages that would happen constantly.
We tried to understand the way they want us to deal with credit cards about a dozen times. Never had any interest in learning it and still don’t (because I don’t treat a CC transaction any different from a cash transaction w/r/t budgeting), but the new YNAB forced it on us.
Nothing I’m saying is new. It’s just wild to me how bad their Second System tanked their software & reputation.
> Syncing was broken for a really really long time. We finally reported it, and it was working the next time we checked.
Well they use Plaid, they aren't really responsible for syncing. Most competitor will also use Plaid and have the same issue sadly. Mine also stopped synced recently as my bank updated their website. It took a few weeks before it came back.
> So, their monitoring (if it exists) is not doing its job whatsoever,
Actually Plaid monitoring is quite good (for each bank you get the percent of failed queries), but how fast they react, well that's another ball game and I guess it depends on the amounts of users affected and the amount of works required to fix it.
I was considering working on my own opensource alternative to YNAB and that's why I looked a bit into Plaid. Now that Actual is open source, maybe I won't...
> I don’t treat a CC transaction any different from a cash transaction
Well they aren't different either... I treat both my cash and debit card transactions the same way I treat my credit cards transactions. I add them in their respective accounts and that's it (I only started adding them manually when my bank updated their website, it has gone better than I thought and decided to stay that way for now, never felt comfortable knowing Plaid had my banks credentials).
Maybe what you were confused with was the amounts shown on the Budget side? The credit cards categories act a tiny bit different than the actual categories. I know you said you had no interest in learning, but if you change your mind, I could try explaining how it works.
I guess an issue with credit cards is that it feel like it's actual money, but it's not. That doesn't goes well with zero based budgeting which depends on the fact that you already have the funds to pay for all your spending. You work with past money, not future one.
Aldi definitely varies by area, in my experience. We have 2 Aldis in our area and one was nicer than the other. Than they remodeled the older one and now they are comparable.
I have every possible grocery chain around me and I still choose Aldi. Sure the selection is smaller and mostly non brand names, but that's why I go there. $50 can get you a variety of produce and meats, while $50 at a place like Publix gets you barely anything.
Between listening and reading physical books, probably average 1.5 hours a day. It has increased from about zero in the last 2 years since I've taken my reading interests more seriously.
Surely, there is a ton of money in providing reports to some micromanager boss. If a business fills that niche, is it irresponsible on the business or is it just them finding a market fit?
Maybe the root cause is the laughably easy barrier of entry to have a license to drive a death missile?
It's a multi faceted issue of course, but to me, getting better educated drivers on the road is by far the easiest problem to solve around driving.
I would say almost everyone knows not to text and drive, or run red lights or to speed. Yet these are all frequent occurrences. Even proposals to add speed or red light cameras (with strict rules to prevent municipal abuse) face heavy opposition. I don’t think education alone will fix traffic safety.
People don't know the basics of changing lanes, passing slower vehicles, u-turns, planning for their exits, etc etc etc. People text and drive due to the most basic misunderstanding of how dangerous driving is and how much damage they can cause to others.
Taking devil’s advocate here, but people claim that automated enforcement has equity concerns, privacy concerns and immigration concerns. Again, these aren’t my arguments, but:
There’s concern that automated enforcement is a regressive punishment that unduly burdens low-income motorists. There’s a belief that these cameras will be concentrated in low-income or minority neighborhoods.
The privacy concerns are fairly obvious, people are concerned the government is building a database of vehicle locations.
And the immigration concerns are that information could be fed back to ICE to detain undocumented immigrants.
However if you read the enabling legislation, a lot of these concerns are addressed through data retention, data sharing and safety standards (i.e. tickets can only be issued at 9 MPH over the limit and there must be a warning sign.)
I also think an unspoken part of the opposition is some people feel they can talk a cop out of writing a ticket, but they can’t argue with a machine.
>> Per miles driven the US has an average number of traffic deaths.
> Maybe the root cause is the laughably easy barrier of entry to have a license to drive a death missile?
You're saying we should make driver's licenses punitively difficult to get in order to shift American population structure in the direction of dense settlements?
The reason America isn't densely settled is much simpler than that; there aren't very many people in America.
I'll copy paste what i said in another comment:People don't know the basics of changing lanes, passing slower vehicles, u-turns, planning for their exits, etc etc etc.
The DMV test is a joke. The 15 minute test in a quiet neighborhood does not prepare you to be a proper participant on the road.
> You're saying we should make driver's licenses punitively difficult to get in order to shift American population structure in the direction of dense settlements?
I don't think there's anything punitive about proportionately strict regulation for something that kills so many people.
It kills a lot of people. Whether the mechanism for it killing a lot of people is a large number of miles driven rather than a high rate of deaths per mile is neither here nor there.
It does not kill a large number of people in relative terms. In absolute terms, it kills an extremely tiny number of people; the death rate from traffic accidents in the US in 2018 was 0.01%.
It's one of the biggest killers of young people (e.g. looks like it's at least 25% of deaths of people aged 20-24?), so in terms of years of life lost it has a big impact.
I think the times of catch all domain working are over. Now I’m fully transitioning to SimpleLogin.