fury

And you miss it by half a pixel and it opens the ad page instead.

Mastercard and Visa both offer the same zero liability protection on debit cards as credit cards. So both my cards are comparable to credit cards in that regard. If I was at a bank that didn't have good fraud protection I'd be shopping around.

I've never had a situation where fraud took money out of my account. Someone got my debit card information somehow (I'm surprised it doesn't happen more often). The bank called me, asked if that was me that was in London trying to buy something out of a vending machine, I said nope, they turned off the card and sent me a new one. No money ever left my account, and I wasn't terribly inconvenienced, other than having to change a few autopay thingies.

I do get cash back bonus on my PayPal debit card. I appreciate the irony of taking advantage of that in contrast with my original comment. But I presume since PayPal is not a credit card company, they're paying for it with the merchant fees they collect. I could be wrong.

¯\_(ツ)_/¯

All that said to say there's nothing a credit card can offer me that a debit card can't, except debt.

It's possible, just tricky sometimes. You can have credit without a credit card, you can rent a home or a car without a credit score, and you can even buy a house without a "good" credit rating, you just need real landlords or real mortgage underwriting that looks at your financial situation as a whole.

It's really silly. You could have a million bucks sitting in an account somewhere and your credit report wouldn't say anything about that, but one look at your bank statements would be enough to tell a landlord or a mortgager you're good to go.

I was fortunate enough to be able to sign up for a house payment (in this market! During the zombie apocalypse?!). When the time came for underwriting, they looked at 4 months worth of bank statements since my credit report just had my student loans and a car payment I got rid of in 2017 (in other words, not a "good enough" credit score). It was quite the eye opener of a process, having to explain every deposit to convince them I wasn't laundering money.

Once that house is paid off, that's the last time I'm going to have a credit score. I can get everything else without debt, I just didn't have a cool $155k to drop on the house at the time. Hotels, car rentals, phone bills, electric bills, everything I've tried works fine without a credit check just using EFT or debit cards. Sometimes they charge a deposit, and that's fine. I budget to account for that.

These fees are how they're paying for your airline miles and cash back bonuses.

Personally, I'm perfectly fine without a credit card. I don't care if I'm "giving up free money" because I know this is where it's coming from.

So, the earth then?

not furry, FURY ლ(ಠ益ಠლ) https://youtu.be/nhbkOZL5gEI?t=28

I get mad sometimes

Pressing F to pay respects. R.I.P. in pieces

Depending on how mission critical your data is...Set up delayed replicas and backups (and test that your backups can actually be restored from). Get a second pair of eyeballs on your query. Set up test environments and run it there before running it in production. The more automated testing you put into your pipeline, the better. Every edit should be committed and tested. (Kubernetes and GitLab Auto DevOps makes this kind of thing a cinch, every branch has a new test environment set up automatically)

Don't beat yourself up too much though. It happens even to seasoned pros.

I just want a picture of a goddang hotdog

I lol'd out loud irl

Take a look at hosting your own Nextcloud instance. It'll replace Google drive, photos, docs, everything--there's phone apps for iPhone and android. If you want to store your PC backups on it, that's probably fine too. It might even work ok on the Pi 4 (though some parts it has integrations with may have trouble, like Nextcloud Office, since they may not have ARM binaries in their distribution).

It should work great on your local network and still be acceptable when uploading out and about (photos can auto sync if you turn that on on your Nextcloud phone app).

If 4TB is enough for your needs, I'd suggest getting another 4TB and making them a RAID1 pair using mdadm, and then probably also another 4TB to make backups of Nextcloud and Nextcloud data onto to keep offsite. You can never have too many copies of your data.

I'm not sure what to do about the variety of smaller drives. I can say I wouldn't recommend consolidating them onto a single drive, because I did that once (many drives ranging from 60 gigglebytes to 300, onto one 1.5 TB drive) and then formatted or got rid of the smaller ones...and then dropped the 1.5 TB drive on the floor while it was running. Rip. But just like the above, a RAID1 array composed of two big drives would probably be fine.

Just make sure to set up some alerts for when a drive fails.

When you decide