It’s definitely tedious to track everything. I do like the import feature and it covers maybe 80% of day to day transactions but yeah it’s a pain to go and fix stuff. What your talking about with PayPal is what YNAB considers a transfer and payment and is usually part the 20% I have to fix. Bank to PayPal is a transfer transaction, PayPal to purchase is the payment. It can definitely get needlessly complicated and it sometimes automatically imports correctly, especially reoccurring payments or if the transfer is between two linked accounts.

So I’m not low low cost. Live on the east coast after moving from a high cost area of living so I could buy a home.

Median household income is ~$80,000 here or $40k per person

I spend ~$3300 a month for two people and pets living comfortably. I removed my mortgage and any car payments but that includes everything from auto insurance, home insurance, auto maintenance for two relatively new cars, groceries and utilities.

Home taxes are $1600/year and home insurance is $550 but average around here are closer to $800. Not included in the total above.

Home is ~1500 sqft

• ~$200 for electric, no gas so that’s mostly air conditioning/heat. Prices go up in summer, don’t get much snow here so Winter is mostly off.

• ~$50 Water includes sewer since we’re connected here. Other commenters can share about being on a well but if your buying off main sewer, expect to pay $$$ when it needs to be replaced. Set aside money as if you had a water payment and take care of it with maintenance.

• HOA includes trash at $70 a month.

• Internet, fiber is $50. Subscriptions are ~$45 on top. Phones are $60 for two lines. Most friends in more rural areas have cable/fiber but a few have satellite or just mobile phone Internet. About 2+ hours from nearest metropolitan city. Satellite is terrible and expensive so recommend checking https://broadbandmap.fcc.gov/ before you buy if that’s important to you.

• Car insurance $200 for two cars covered 300/100. Gas is $200. Auto maintenance is $165 and includes taxes, and all the other fun stuff related to owning cars. – If your young, a guy, have accident history insurance will be higher. Don’t skip if you can’t afford to replace your car and don’t get budget insurance to save. Gas is probably going to depend on your commute. And maintenance is going to depend on your car. Taxes are $300-600 a year each car including property taxes, DMV registration, etc.

• Groceries, $400-600. Eating out $200. This is probably the biggest variable expense.

• $400 misc spending for two. Includes random shopping for the household and any fun money.

• $300 for various gifts birthdays, Christmas, and extra spending to host Christmas or other events. Half of this is just building up for winter where we spend a decent chunk. Sometimes this is used to fly home for the holidays.

• $400 home maintenance budget. Saving for big fixes or general repairs. This will be much higher there first two years. For reference I’ve got a few pending maintenance repairs that are likely to cost ~$6,000 each expected in the next 5-8 years. (HVAC, water heater, roof, landscaping to deal with erosion and eventually some remodeling). Budget also includes collecting tools.

• Pets $200. Food, litter, toys, etc.

• $130 Health related expenses. Doesn’t include insurance which is $400/month out of the paycheck.

And I’m going to plug YNAB which is why I have these numbers, it costs $120/yr which is included. Highly recommend doing some kind of budgeting even if it’s on paper in a notebook once a month because all these costs can creep up. If you want free electronic use a spreadsheet.

A term used derogatorily towards sympathisers of authoritarian communist regimes stemming from “send in the tanks” in 1956.

https://www.urbandictionary.com/define.php?term=tankie

https://en.wikipedia.org/wiki/Tankie

If you haven’t played Enderal it’s worth a playthrough. It’s a free total conversion mod of Skyrim.

Robocalls should be opt-in unless emergency broadcast. Examples for TTY or other systems typically via text/email for vision impaired.

Coming from someone who uses neither currently but has used Facebook before, I think it’s more to do with the fact that people are used to Facebook, Google and other companies collecting data. Facebook does a ton of lobbying to tell you just how much they value privacy.

Facebooks data policies are supposed to follow US law. As you already mentioned, I won’t go any further on that. With a foreign country that isn’t exactly super friendly with the US, they could use this same data against citizens. You have no real GDPR, or US privacy laws to protect you if China decides to target a diplomats family or whatever.

For most people, it’s probably not going to affect you either way, but because data is something we really don’t understand the full value of. As an Example, ethnic groups could be targeted and tiktok can be used as a data source.

With the whole Facebook being used to potentially manipulate elections, Tiktok could be as well and the US/other countries have even less they can do to stop it.

But a lot of the hate that you’re seeing on the news is playing into China bad and not really casting light that they are okay with US companies collecting the same data. See: https://www.theatlantic.com/technology/archive/2014/06/everything-we-know-about-facebooks-secret-mood-manipulation-experiment/373648/

https://www.theguardian.com/commentisfree/2017/apr/17/brexit-voter-manipulation-eu-referendum-social-media

https://www.businessinsider.com/tiktok-censor-china-critical-content-uighur-uighurs-2020-11?op=1

Most are designed for the cover to move to the side when deployed but some are designed to split in some way that could cause the rhinestones to come free.

Cheap earphones won’t hurt your ears. Volume is the only real source of damage to your ears.

A simple thing you can do is be informed on what data google is tracking on your phone.

If you are signed into a Google account on your phone, you should check your Google dashboard: https://myaccount.google.com/intro/dashboard and make sure to turn off any tracking you don’t want. You can also request your data is deleted through the dashboard or through Google takeout.

If you stay with the built in OS and you can also get away from a Google account (don’t sign into a Google account on the phone), you’re tracked less, but that’s a bit challenging for many.

He said he would appoint someone who isn’t running to replace her.

Source

If you are genuinely curious, theres a collection of articles published by the Atlantic. It deals with the US but seems relevant to your question.

Why not just have them email sealed bids?

I don’t think it’s an issue to remove part of the web. I’ve got spiders outside that tend to keep blocking the entryway and I have to destroy parts that get in the way of the path. They’re usually back within a day or so.

For a more solid answer, the link below describes moving spiders entirely by relocating part of the web with the spider. I think trimming the web is going to be less stressful than that.

https://askentomologists.com/2015/10/11/how-do-i-relocate-insects-and-spiders/