For me, the killer feature of Mint is that it connected to my accounts and aggregated all my transactions automatically. I cannot and will not input transaction data manually, so things like YNAB are absolutely useless to me.
I’ve never heard of any other app, free or paid, that can do what Mint can do.
It looks like ynab does do this now. I remember when it was just software on your computer, but it’s a full cloud app now (complete with $15/month price tag).
I’m on the hunt for a new solution, too. I may try it.
YNAB pulls in most transactions programmatically if you connect accounts. Some accounts don’t sync (eg Apple) and other accounts will only do an initial sync (most 401ks and loan accounts). I think the sync restrictions are a factor of the accounts themselves and not YNAB; I’d love to know if I’m wrong there.
YNAB does not categorize things for you. It’s a different approach where you define money buckets, assign funds to the buckets, and categorize transactions into those buckets. I moved over when Mint got acquired because fuck Intuit and I haven’t really put a ton of time into trying to understand the different paradigm, so I’m not sure I’m explaining it properly. I didn’t use YNAB before because the paradigm isn’t how I’m used to thinking about my spend.
Don’t start the trial unless you’ve got time to think about setting up your buckets and spending targets. Or, if you just want to test the import because you’ll make time later to set it up, it’s probably worth the trial. There is a “family” plan that allows an account owner to share things; I think that’s worth it if you’ve got some people you share financial info with who also budget and you want to keep costs down.
(1) Unlike Trump, I really don’t think Biden wanted to run a cult - for the same reason that humans with empathy would never want such a thing. (2) I seem to recall that Trump found many in his cult to be quite creepy - referring to them as ‘disgusting’ for instance.
Tell u/spez to stuff it where the sun doesn’t shine. No one is going to pay for watching trolls and notsees 1up’n one another. And the kids have gotten wise that u/spez is NOT TO BE TRUSTED WHATSOEVER. Let Rddt BURN
This is to divide and conquer and to try to control the narrative… Anyway who cares at this stage. Centralized corporate platforms are all going to end up the same way … Milking the users for all their worth and degrading the experience until the place is a cesspool filled husk
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Students in Texas taking their state-mandated exams this week are being used as guinea pigs for a new artificial intelligence-powered scoring system set to replace a majority of human graders in the region.
The STAAR exams, which test students between the third and eighth grades on their understanding of the core curriculum, were redesigned last year to include fewer multiple-choice questions.
According to a slideshow hosted on TEA’s website, the new scoring system was trained using 3,000 exam responses that had already received two rounds of human grading.
Some safety nets have also been implemented — a quarter of all the computer-graded results will be rescored by humans, for example, as will answers that confuse the AI system (including the use of slang or non-English responses).
While TEA is optimistic that AI will enable it to save buckets of cash, some educators aren’t so keen to see it implemented.
The attempt to draw a line between them isn’t surprising — there’s no shortage of teachers despairing online about how generative AI services are being used to cheat on assignments and homework.
theverge.com
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