I don’t think one takes into account investment accounts with envelope budgeting, if I’m not wrong. All the accounts in this kind of budgeting should be involved in the budget, to be money that is to be assigned. “Give every dollar a job” kind of style. Money in investment accounts is for the most part saving for savings sake. But I guess people can assign that kind of money as well, e.g. “this is money that I’m investing to be able to buy a house in 5 years”. I’m not an expert on this so you could look up how YNAB does it, or if Actual has any docs on this.

Yes. You can read about on Actual Budgets documentation. It’s free for personal use. You just generate an API token. https://actualbudget.org/docs/advanced/bank-sync/gocardless/

If you’re in the EU you can do bank syncing for free with GoCardless integration. If you’re in the US you need to go with SimpleFIN which costs a small sum and is in a more experimental phase than the GoCardless integration I think. Either way, GoCardless has been working great for me. Actually far better than YNAB which didn’t even support my bank. It’s literally just set up and forget.

If one doesn’t want to self-host it one can always go through a service like PikaPods who do in fact have a revenue sharing deal with Actual Budget. And either way, Actual Budget isn’t really an accounting tool for businesses, or did I misunderstand you?

Yes, fair. I was just attracted by the no-hassle method of Tailscale.

Probably why this isn’t enabled in the EU. GDPR wouldn’t have allowed it.

Loop is great! I love F-Droid. Many times it’s guaranteed you’ll find a better alternative to a proprietary, ad-filled app on Play Store, on the F-Droid app

I’d willingly want to move down to 4-day weeks in some year even with the reduced salary. I’m privileged enough to afford it, and the time regained is absolutely worth the loss in salary and future pension. I’d like alternating Mondays and Fridays, so every 2 weeks you get a 4-day weekend.

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I don’t know if this is a US thing. I have no large expectations of HR, but I’m also part of a union and like most places my company has signed a collective union agreement. If there’s a conflict the union will represent you as well. The HR people at my company seem completely OK though, I have dealings with them due to my role.

The answers in this thread are all over, but it’s towards this direction I’m leaning

I think it’s been proven that Google doesn’t listen in to your conversations. While there are a lot of real privacy issues, the microphone theory is just conspiracy fear-mongering

I’d wager he means something like the fediverse, reddit, various microblogging sites. There are plenty sharing experiences working for Google, Apple and what not.

It’s generally really hard if you have no experience. But if you’re willing to pay, maybe. Check this out: https://hitchwiki.org/en/Hitchhiking_a_boat

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I’ve never found a use for any of this. I only utilise a calendar. How complicated are your people’s lives?

Yeah I don’t really get why I should pay like $20, or even more, yearly, for a service that just serves free podcasts, and where the money doesn’t go to the creators at all. I like sync… but that doesn’t justify the price.

Cool, too bad I shut down my NC server a while ago…

I did check it out earlier but feels a bit clunky that it must run the audio stream in a separate program. This means it’ll inherently lack some functions like going back or forward 15 seconds with the press of a button as this is a function mostly inherent to podcast players, not e.g. VLC. Not the biggest issue but still.

Grover Podcast seemed promising, too bad it’s not open source. Might run with it either way if I can’t find anything better.