gurchik · HackerTrans

The statement from Ubisoft is that the advertisement was only supposed to show when the game was first started, not when any other menu was opened. I know Ubisoft often does not deserve the benefit of the doubt but I find this explanation very plausible. A lot of games these days do this, even ones from much more “trusted” developers and publishers like Nintendo.

gurchik

3년 전discuss

I think you and I are pretty similar. I started using when I was in college and overdrafting on my account was a real risk, so tracking every dollar made sense. Now I'm at the point where I'm fine with transactions being automatically categorized so I can focus on the bigger picture and longer term goals. So at first it felt like Monarch would be great.

I just can't wrap my head around the Goals feature. I've noticed the following:

1. Monarch expects specific accounts to be used for specific Goals, for example, a savings account for a vacation fund.

2. A transaction can only be associated with a goal if it is from the account attached to the goal.

I actually completely agree with Monarch on this. If you're using a savings account for your vacation fund and you buy plane tickets with checking, you should have to transfer money to match. In YNAB you don't have to. I choose to regularly create transfers so my account balances match the category balance in YNAB, but YNAB doesn't require me to.

However, this completely breaks down with:

3. Some account types don't support transactions. Retirement accounts show your portfolio but not transactions.

So if I have a Goal to contribute $100 to an IRA every month, and I debit $100 from my checking to transfer it to the IRA, it's impossible to mark this Goal as complete because there is no corresponding credit of $100 in the IRA. The balance of the portfolio increases but that doesn't matter.

gurchik

3년 전discuss

What about Monarch is less involved than YNAB? I’ve been considering changing since they’ve increased the annual cost.

gurchik

3년 전discuss

Why did you copy-paste someone else's comment?

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