1,117 karma · joined June 17, 2019
As far as I can say, with a European state of mind, is that a credit card poses a risk and temptation for the average person. Not everyone is financially responsible, many times simply due to lack of proper financial education, and they deserve a little attention.
For water the benefits are not so much about efficiency, direct mechanical systems are the same or less efficient, but about simplicity and cost- those systems can be deployed and maintained in remote and poor areas without a need for costly technicians and parts.
I actually share the same feeling as you do, for example here in Sweden it is very common that many salary or career discussions ends up in someone bragging about being a freelancer and making tons of money- but how many failed that and how?
Then I had decent experience with scrumban in a team at one of the giants, but again we were lucky to be delivering utility products and not to end customers so we had a lot less dependencies.
> Banks with employees covertly texting about official business on apps like Signal, WhatsApp, and iMessage have been caught red-handed. Now federal agencies are charging banks with violating laws requiring recordkeeping on all business matters.
An anecdotal example from Sweden- there are no Tesla chargers available closeby for people in the big Stockholm metropolitan area.
What do you want to achieve? balance at the end of each month, or "can I afford another latte today"?
For the first a spreadsheet can work great, preferably with some system to arrange your budget, but that's not about tooling but simply being disciplined. For the second I don't think anything will last- writing every expense is not scalable.
There are instruction available on how to change them, but even me, and I am not afraid of DIY, called one of the many locksmiths around here in Stockholm.
Do you mean a skeleton laid on already poured foundations with water/sewage/electricity drawn, and ready for finishing after this weekend? finishing, carpentry, windows, internal plumbing and electricity takes a lot more to complete than the skeleton itself.