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Actual is going open-source

actualbudget.com

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181–190 of 332 posts

Re: Actual is going open-source

#181

Post by blumomo »

rglullis wrote: post #96
daenz wrote: post #49

Earlier quoted context omitted.

My read on that is that it is total comp, so it includes bonuses/RSUs/options. If you're not negotiating for those things, what are you doing. Though $200k base salary is not a crazy salary for a staff/principle/high-level engineer. I don't think people realize how corrosive to mental health a $200k engineering job can be though. I was making very close to that as a base salary, and the amount of responsibilities I h…

Again, what part of the world are you on? Even in Berlin, with all the talks about it becoming a top destination for tech people, I'm yet to hear any 6-figures offer. Even the blockchain companies that were flush with cash were paying 90-95k€ to their top people, maybe a 10-20% performance bonus. Mind you, we are talking about Germany where the tax is ~42% of your income at this bracket if you are single. When I was…

In Germany you may want to consider that the employer pays another approx. 20% on top of your salary, by law. So if your salary is EUR 100k, your employer actually pays 120k to keep you on board. Money that your employer could otherwise add to your payout as he’s paying all off it anyway _for_ you, right?

Now with 42% income tax of a 100k salary, there’s a net of 58k arriving at your bank account over a year.

Given that your employer pays 120k, you have actually “lost” 62k (not just 42k) to the government and insurances. With that maths, the _net_ tax (incl. insurances) is actually close to 52%. That is a whopping net +10% taxes from the math in the parent post.

Re: Actual is going open-source

#182

Post by daenz »

aidenn0 wrote: post #178
daenz wrote: post #162

Earlier quoted context omitted.

This is probably a controversial thing to say, but based on your and other comments in this thread, it seems like the social safety nets aren't worth the lower salaries. Or are they? It seems like non-Americans in this thread are unhappy that their ceilings are lower.

It seems expected to me that the welfare state is not going to be worth it for the top quintile? That's kind of how redistribution of wealth works?

>Despite a generally higher cost of living in Europe, salaries across the board are lower.

I was more responding to that idea: everything is more expensive, and everyone is making a lot less (not just the top quintile). Seems like a bad trade, but that's just my $0.02

Re: Actual is going open-source

#183

Post by rglullis »

balls187 wrote: post #169
rglullis wrote: post #116

Earlier quoted context omitted.

I've built and shipped my own apps independently. I have almost 20 years of professional experience in Web, some Machine Learning and Data Science. I also led teams distributed around the world. I also got into blockchain development in 2019 and now I am working on a slow-but-steadily-growing open source project [0] to make payments with crypto easier. I'm living in the hot "tech center of Europe" (Berlin) and I'm ye…

I'll take that deal. Caveat, 200k would have to include bonuses, and not just base salary.

And I'll add the following:

- it can not be a FAANG company, or any other company who makes their money by unethically exploiting consumerism, and/or advertising that abuses user privacy. These are non-negotiables. I want to sleep at night without thinking about how many people get screwed over for my benefit.

- things like "flexible schedule" and "work-life balance" need to be more than just wishful thinking. I have two small kids that are always going to be my priority.

If you are up for it, let me know your email and I will send you my CV.

Re: Actual is going open-source

#184

Post by ec109685 »

jlongster wrote: post #142
gtirloni wrote: post #130

Earlier quoted context omitted.

> Great to see it going open source It's actually shutting down.

What's shutting down is the public syncing server. That server is literally just a message store: it takes CRDT changes and puts them in a big table. And it servers them back out. Now that the server is public, it's incredibly easy for you to run your own. It's such a simple server (no postgres etc requirement) that this model is actually way better.

CRDT's and the like seem like the perfect thing to build an app, but you make a good point about it requiring something so custom compared to a thin client that makes web service requests for data on each screen / page view.

Re: Actual is going open-source

#185

Post by [deleted] »

ChrisClark wrote: post #92
nerdjon wrote: post #89

I am curious, what do people use for budgeting? Mint seems like the most feature rich, but not only do I not want to support their parent company because of their Tax lobbying... but I don't trust them from a privacy standpoint (Considering its free). YNAB and Monarch both seem like really good options. But I have not looked into them much yet. I currently use Copilot (iOS only... really just iPhone, no iPad app). I…

Lunchmoney.app has a collaboration feature, but the description isn't clear enough to see if it's what you're looking for.

[deleted]

Re: Actual is going open-source

#186

Post by kareemm »

nerdjon wrote: post #89

I am curious, what do people use for budgeting? Mint seems like the most feature rich, but not only do I not want to support their parent company because of their Tax lobbying... but I don't trust them from a privacy standpoint (Considering its free). YNAB and Monarch both seem like really good options. But I have not looked into them much yet. I currently use Copilot (iOS only... really just iPhone, no iPad app). I…

Used YNAB4 + 5 for several years and it never really took. I use Tiller.com now - puts all your data into a Google Sheet or Cloud Excel sheet.

It has a bunch of extensions that you can use for budgeting, emailing daily transactions, reporting, optimizing debt payoffs using various different methods, etc.

Plus it's just a spreadsheet, so sorting/filtering etc just work. And it's as fast as having a large Google Sheet. So pretty darn fast.

Re: Actual is going open-source

#187

Post by bredren »

nerdjon wrote: post #167
bredren wrote: post #159

Earlier quoted context omitted.

Has anyone found a product that does a good job at consuming and unwinding transactions from an Apple Card? If I understand correctly, AC can’t be connected by Plaid, and You have to do manual export and upload of transaction data. If you use this for most of your expenses the payments from your checking account to pay off the card each month should also be recognized as such. I’ve tried managing this using Waveapps…

I think Mint announced a few weeks ago native support. Unfortunately Copilot is the same where you have to do a manual export, which means you only see it at the end of the month. Making it not super useful for tracking your budget as the month goes on. This has unfortunately lead to my Apple Card rarely being used. Which sucks. I keep hoping that there is some sort of native data sharing built into iOS so I don't ha…

Thanks for the reply.

I searched around and found no mention of this, but then found it on Intuit's Mint product blog: https://mint.intuit.com/blog/updates/you-can-now-connect-you...

Presumably, there are more integrations coming but no information from Apple on this. Seems too good to be true that Apple would offer an API to customers that could be hooked up to a self-hosted Actual instance.

Kind of a bummer that they only have Mint support right now, seems quite at odds with Apple's Privacy goals.

Re: Actual is going open-source

#188

Post by cormacrelf »

ec109685 wrote: post #184
jlongster wrote: post #142

Earlier quoted context omitted.

What's shutting down is the public syncing server. That server is literally just a message store: it takes CRDT changes and puts them in a big table. And it servers them back out. Now that the server is public, it's incredibly easy for you to run your own. It's such a simple server (no postgres etc requirement) that this model is actually way better.

CRDT's and the like seem like the perfect thing to build an app, but you make a good point about it requiring something so custom compared to a thin client that makes web service requests for data on each screen / page view.

> you make a good point about it requiring something so custom

The comment you're replying to didn't say this at all, the developer did. In theory it's also wrong. The server can be application agnostic. It shouldn't care whether the CRDT update is from a budget app or an RSS reader or whatever else, because the sync job for the server is exactly the same. You should also be able to encrypt the content, and therefore set up generic shared CRDT servers instead of requiring people to run their own.

It only requires more work now because nobody has built that yet.

Re: Actual is going open-source

#189

Post by balls187 »

rglullis wrote: post #183
balls187 wrote: post #169

Earlier quoted context omitted.

I'll take that deal. Caveat, 200k would have to include bonuses, and not just base salary.

And I'll add the following: - it can not be a FAANG company, or any other company who makes their money by unethically exploiting consumerism, and/or advertising that abuses user privacy. These are non-negotiables. I want to sleep at night without thinking about how many people get screwed over for my benefit. - things like "flexible schedule" and "work-life balance" need to be more than just wishful thinking. I have…

Willing to relocate to the US?

balasuar @ gmail dot com

Re: Actual is going open-source

#190

Post by SeriousM »

kareemm wrote: post #186
nerdjon wrote: post #89

I am curious, what do people use for budgeting? Mint seems like the most feature rich, but not only do I not want to support their parent company because of their Tax lobbying... but I don't trust them from a privacy standpoint (Considering its free). YNAB and Monarch both seem like really good options. But I have not looked into them much yet. I currently use Copilot (iOS only... really just iPhone, no iPad app). I…

Used YNAB4 + 5 for several years and it never really took. I use Tiller.com now - puts all your data into a Google Sheet or Cloud Excel sheet. It has a bunch of extensions that you can use for budgeting, emailing daily transactions, reporting, optimizing debt payoffs using various different methods, etc. Plus it's just a spreadsheet, so sorting/filtering etc just work. And it's as fast as having a large Google Sheet.…

For the curious: https://www.tillerhq.com/ is the right url
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