[w3allfeed] RSS raw examples

How to use w3allfeed shortcode

These examples show raw results (scroll down to see RSS from external resource) of the w3allfeed shortcode used like this, with little style applied to li elements:

that grab last 3 forums news within this same domain forum:

Latest 3 news from axew3.com forums

  • 2.8.3 logs

    Fix the fact, that when the login is done on frontend pages, sometime and some plugin, the user seem to be not logged in even if the session has been released.

    To patch this issue, on plugins like Ultimate Members (that answer/display that the password is wrong and login failed, even if the authentication was good) the simple following code has been added into the file
    class.wp.w3all-phpbb.php
    on
    private static function phpBB_user_session_set($wp_user_data){

    Code:

       if ( !defined( 'WP_ADMIN' ) ){    header("Refresh:0"); exit;   }
    just after the last function line of code

    Code:

       define("W3ALL_SESSION_ARELEASED", true);
    [EDITED]

    Posted by axew3 — Wed Mar 27, 2024 7:52 pm — Replies 1 — Views 17


  • Ultimate Members Avatars/Login tips & tricks

    Login

    Note that doing a login using the front end Ultimate Member plugin Login Page, you'll be redirected to the same page that maybe will display the error message: Password is incorrect. Please try again. (or another one if you reload the page), despite the user is actually logged in.
    So to check that the user is correctly logged in, you can move to another wp page (maybe the user's account page) and see that it is (user logged in). A proper redirect would solve the issue, or i will maybe i will take a look on how to fix this issue asap.
    Fixed on 2.8.3
    viewtopic.php?t=1865


    Avatars

    Ultimate Member use his own way to fire the WP get_avatar filter on file
    /wp-content/plugins/ultimate-member/includes/core/um-filters-avatars.php
    line 45

    Code:

    add_filter( 'get_avatar', 'um_get_avatar', 99999, 5 );
    in fact, if you comment out the line like this:

    Code:

    #add_filter( 'get_avatar', 'um_get_avatar', 99999, 5 );
    you'll see that the avatar will display, also on UM profile, the correct result (in this example an uploaded image as avatar in phpBB).
    Actually i've try to move the integration plugin get_avatar filter call, after the UM call, so to avoid the user's url avatar overwrite.
    Fixed on 2.8.3
    viewtopic.php?t=1865

    #
    screenshot-localhost-umProfile.png

    Posted by axew3 — Tue Mar 26, 2024 10:13 pm — Replies 0 — Views 28


  • Forum Menu Integration in WordPress: Help Needed

    Image

    For some time now I have had the desire to carry out this action. I am looking for a way to integrate the forum menu, as shown in the image, into my WordPress page. Although I have already linked all the necessary elements, I am still looking for a way to accomplish this. I would greatly appreciate any help, as I have been researching on the internet with no success so far.

    Posted by DavFar — Sun Mar 24, 2024 6:23 am — Replies 5 — Views 56

News from engadget.com

Latest 5 news from – engadget.com/rss.xml – target _blank – inline styled, used like this:

  • Engadget Podcast: The NY Auto Show and a chat with Lucy Liu

    This week, it’s all about cars and Lucy Liu in VR. Devindra chats with Senior Writer Sam Rutherford about his visit to the New York International Auto Show, where he saw the Polestar 4, a unique new EV without a rear window. Also, Cherlynn pops in to chat with Lucy Liu about her new VR game, The Pirate Queen. We also explore the issues around Florida’s bill banning young kids from social media sites, and Sam tells us why he likes Netflix’s Avatar: The Last Airbender adaptation.


    Listen below or subscribe on your podcast app of choice. If you've got suggestions or topics you'd like covered on the show, be sure to email us or drop a note in the comments! And be sure to check out our other podcast, Engadget News!

    Topics

    • Sam Rutherford on what’s new in EVs and car tech from the New York Auto Show – 0:57

    • Cherlynn Low interviews Lucy Liu about her new VR game The Pirate Queen – 34:39

    • Florida Governor signs bill banning young children from social media – 54:55

    • Intel confirms Copilot will eventually run locally – 58:33

    • There’s finally a version of Chrome that runs well on ARM-based Windows machines – 1:02:43

    • Canadian researchers have created a camera that takes 156.3 trillion frames per second – 1:05:06

    • Working on – 1:07:08

    • Pop culture picks – 1:12:44

    Subscribe!

    Credits 

    Hosts: Devindra Hardawar and Sam Rutherford
    Guest: Cherlynn Low and Lucy Liu
    Producer: Ben Ellman
    Music: Dale North and Terrence O'Brien

    This article originally appeared on Engadget at https://www.engadget.com/engadget-podcast-us-tiktok-ban-123047573.html?src=rss

  • Elon Musk's updated Grok AI claims to be better at coding and math

    Elon Musk's answer to ChatGPT is getting an update to make it better at math, coding and more. Musk's xAI has launched Grok-1.5 to early testers with "improved capabilities and reasoning" and the ability to process longer contexts. The company claims it now stacks up against GPT-4, Gemini Pro 1.5 and Claude 3 Opus in several areas. 

    Going by xAI's numbers, Grok-1.5 appears to be a large improvement over Grok-1. It shot up to 50.6 percent in the MATH benchmark, over double the previous score. It also climbed to 90 percent and 74.1 percent in GSM8K (math word problems) and HumanEval (coding), respectively, compared to 62.9 percent and 63.2 percent before. Those numbers are within shouting distance of Gemini Pro 1.5, GPT-4 and Claude 3 Opus — in fact, the HumanEval coding score beats all rivals except Claude 3 Opus.

    Elon Musk's latest Grok AI boosts coding and math capabilities
    xAI

    It can also process long contexts of up to 128K tokens within its context window, meaning it can amalgamate data from more sources to understand a situation. "This allows Grok to have an increased memory capacity of up to 16 times the previous context length, enabling it to utilize information from substantially longer documents," the company said.

    xAI didn't detail Grok's progress in other areas, though, where it still may be lagging (academic scores, multimodal and others). And Grok-1.5 may not keep its position for long. ChatGPT 5 is set to arrive sometime this summer, promising a feature set that "makes it feel like you are communicating with a person rather than a machine," according to OpenAI. 

    Currently, Grok is only available for users of the Premium+ tier on X (formerly Twitter), though Elon Musk recently promised to open it up to X's regular Premium users. The company also recently open sourced its Grok chatbot, after Musk sued OpenAI and Sam Altman for allegedly abandoning its non-profit mission. 

    This article originally appeared on Engadget at https://www.engadget.com/elon-musks-updated-grok-ai-claims-to-be-better-at-coding-and-math-120056776.html?src=rss

  • Activision is reportedly looking into the malware stealing its users' login credentials

    Activision is reportedly in the midst of investigating a hacking campaign that's stealing login credentials from people playing its games. According to TechCrunch, bad actors have been successfully installing malware onto victims' computers and using their access to steal logins for their gaming accounts and even their crypto wallets. The video game publisher has apparently been helping victims remove the malware and regain control of their accounts, but it doesn't have enough information at the moment to say how the malware is spreading. 

    TechCrunch's source said the malware "could be only affecting folks who have third-party tools installed," insinuating that people are getting it from non-Activision-developed software typically used with its games. Delaney Simmons, Activision's spokesperson, told the publication that the company is aware of "claims that some player credentials across the broader industry could be compromised from malware from downloading or using unauthorized software." He added that the company's servers "remain secure and uncompromised."

    That's certainly a plausible theory, seeing as the hacking scheme appears to have been uncovered by someone known as Zeebler, who develops cheating software for Call of Duty. Zeebler told TechCrunch that he discovered the campaign when one of his customers had their account stolen for his software. Upon looking into it, he reportedly discovered a database containing stolen credentials. He also said that the malware is disguised to look like real software, but they were actually designed to steal the usernames and passwords victims type in. Zeebler is presumably talking about third-party tools like cheating software getting cloned to harvest people's logins, but phishing schemes that use Activision's official login design exist, as well. Bottom line is, people should be careful what they download and always double check if the login page they're typing in is the real deal. 

    This article originally appeared on Engadget at https://www.engadget.com/activision-is-reportedly-looking-into-the-malware-stealing-its-users-login-credentials-092210468.html?src=rss

  • The best live TV streaming services to cut cable in 2024

    The major players in live TV streaming are YouTube TV, Hulu + Live TV, FuboTV, Sling and DirecTV Stream, with Philo rounding things out as a good budget option. Each one purports to replicate cable with vast channel offerings, local news, sports and linear programming — and most services promise to be cheaper than cable, too. That’s true in some cases, but depending on which and how many add-ons and packages you get in addition to the base service, it can also end up being far more expensive than basic cable. To help you get the most bang for your buck, we break down just what live TV services offer and suggest the best ones for different viewers.

    What to look for in a live TV streaming service

    How to stream live TV

    Streaming live TV is a lot like using Netflix. You get access through apps on your phone, tablet, smart TV or streaming device and the signal arrives over the internet. A faster and more stable connection tends to give you a better experience. Most live TV apps require you to sign up and pay via a web browser. After that, you can activate the app on your device.

    Price

    When I started my cord-cutting research, I was struck by the price difference between live TV and a standard streaming app like Netflix or Peacock. Where the latter cost between $5 and $20 per month, many live TV services hit the $75 mark and can go higher than $200 with additional perks, channel packages and premium extras. The higher starting price is mostly due to the cost of providing multiple networks – particularly sports and local stations. And, in the past year or so, every service except Philo and Sling has raised base plan prices.

    Local channels

    Only two of the services we tried don’t include full local channel coverage for subscribers and one of those makes no effort at carrying sports. That would be Philo and, as you might guess, it’s the cheapest. The next most affordable option, Sling, only carries three local stations, and only in larger markets, but it still manages to include some of the top sports channels.

    When you sign up with any provider that handles local TV, you’ll enter your zip code, ensuring you get your area’s broadcast affiliates for ABC, CBS, FOX and NBC. Of course, you can also get those stations for free. Nearly all modern television sets support a radio frequency (RF) connection, also known as the coaxial port, which means if you buy an HD antenna, you’ll receive locally broadcast stations like ABC, CBS, FOX and NBC. And since the signal is digital, reception is much improved over the staticky rabbit-ears era.

    Sports

    One reality that spun my head was the sheer number and iterations of sports networks in existence. Trying to figure out which network will carry the match-up you want to see can be tricky. Google makes it a little easier for sports fans by listing out upcoming games (just swap in NFL, MLB, NHL and so on in the search bar). When you click an event, the “TV & streaming” button will tell you which network is covering it.

    That just leaves figuring out if your chosen service carries that regional sports network. Unfortunately, even with add-ons and extra packages, some providers simply don’t have certain channel lineups. It would take a lawyer to understand the ins and outs of streaming rights negotiations, and networks leave and return to live TV carriers all the time. That said, most major sporting events in the US are covered by ESPN, Fox Sports, TNT, USA and local affiliates.

    It's also worth noting that traditional streaming services have started adding live sports to their lineups. Peacock carries live Premier League matches and Sunday Night Football. Max now airs select, regular season games from the NHL, MLB, NCAA and NBA with a $10-per-month add-on. You can watch MLS games with an add-on through the Apple TV app, and Apple TV+ includes some MLB games. And finally, if you subscribe to Paramount Plus, you can see many of the matches you’d see on CBS Sports. While these options won’t cover as much ground as live TV streamers, they could scratch a sports itch without too much added cost.

    A TV displaying the logos for Philo, Sling, Hulu, DirecTV stream, fuboTV, and YouTube TV apps.
    Amy Skorheim / Engadget

    Traditional cable networks

    Dozens of linear programming networks were once only available with cable TV, like Bravo, BET, Food Network, HGTV, CNN, Lifetime, SYFY and MTV. If you only subscribe to, say, Netflix or Apple TV+, you won’t have access to those. But as with sports, standard streamers are starting to incorporate this content into their offerings. After the Warner Bros. merger, Max incorporated some content from HGTV, Discovery and TLC. Peacock has Bravo and Hallmark shows, and Paramount+ has material from Nickelodeon, MTV and Comedy Central.

    Other channels like AMC+ have stand-alone apps. The Discovery+ app gives you 15 channels add-free for $9 per month. And a service called Frndly TV costs a mere $7 per month and streams A&E, Lifetime, Game Show Network, Vice and about 35 others. Of course, most live TV streaming options will deliver more sizable lists of cable networks, but just note that you may already be paying for some of them — and if all you need is a certain channel, you could get it cheaper by subscribing directly.

    How to stream live TV for free

    We also tested a few apps that offer free ad-supported TV (FAST) including Freevee, Tubi, PlutoTV and Sling Freestream. They let you drop in and watch a more limited selection of live networks at zero cost. Most don’t even require an email address, let alone a credit card. And if you have a Roku device, an Amazon Fire TV Stick or a Samsung TV, you already have access to hundreds of live channels via the Roku Channel, the live tab in Fire TV or through the Samsung TV Plus app.

    Digital video recordings (DVR)

    Every option we’ve included offers cloud DVR storage, so you don’t need a separate physical device like you often do with traditional cable. You’ll either get unlimited storage for recordings that expires after nine months or a year, or you’ll get a set number of hours (between 50 and 1,000) that you can keep indefinitely. Typically, all you need to do is designate what you want to record and the DVR component will do all the hard work of saving subsequent episodes for you to watch later.

    Aside from being able to watch whenever it’s most convenient, you can also fast-forward through commercials in recorded content. In contrast, you can’t skip them on live TV or video-on-demand (VOD).

    Most live TV subscriptions include access to a selection of VOD content including movies and shows that are currently airing on your subscribed networks. This typically doesn’t cover live events, local shows and news programming. But it does let you watch specific episodes of ongoing shows like Diners, Drive-Ins and Dives or BET’s Sistas. Just search the on-demand library for the program, pick an episode and hit play.

    Tiers, packages and add-ons

    Comparing price-to-offering ratios is a task for a spreadsheet. I… made three. The base plans range from $25 to $80 per month. From there, you can add packages, which are usually groups of live TV channels bundled by themes like news, sports, entertainment or international content. Premium VOD extras like Max, AMC+ and Starz are also available. Add-ons cost an extra $5 to $20 each per month and simply show up in the guide where you find the rest of your live TV. This is where streaming can quickly get expensive, pushing an $80 subscription to $200 monthly, depending on what you choose.

    How we tested

    When I begin testing for a guide, I research the most popular and well-reviewed players in the category and narrow down which are worth trying. For the paid plans, just six services dominate so I tried them all. There are considerably more free live TV contenders so I tested the four most popular. After getting accounts set up using my laptop, I downloaded the apps on a Samsung smart TV running the latest version of Tizen OS. I counted the local stations and regional sports coverage, and noted how many of last year's top cable networks were available. I then weighed the prices, base packages and available add-ons.

    I then looked at how the programming was organized in each app’s UI and judged how easy everything was to navigate, from the top navigation to the settings. To test the search function, I searched for the same few TV shows on BET, Food Network, HGTV and Comedy Central, since all six providers carry those channels. I noted how helpful the searches were and how quickly they got me to season 6, episode 13 of Home Town.

    I used DVR to record entire series and single movies and watched VOD shows, making sure to test the pause and scan functions. On each service with sports, I searched for the same four upcoming NHL, NBA, MLS and NCAA basketball matches and used the record option to save the games and play them back a day or two later. Finally, I noted any extra perks or irritating quirks.

    Here’s the full list of everything we tried:

    Free ad-supported live TV:

    Best free live TV streaming services

    Many standard streaming apps have added live components to their lineups. You’re paying for the service, so it’s not technically “free,” but you can get a dose of live TV without spending more than necessary. Peacock includes some regional NBC stations and Paramount+ subscribers can watch on-air CBS programming. The standard Hulu app has a live ABC news channel and Max now includes a live CNN outlet with its service.

    Amazon Prime Video contains a live TV tab, as does the Fire TV interface. And, if you use Roku or Samsung as your smart OS of choice, their built-in, proprietary services include hundreds of live channels at no extra cost. Plus there are free apps from Plex and PBS — even NASA has a free streaming service.

    But if you want a full suite of live TV networks, and don’t want to sign up for any paid service, there are a number of free ad-supported TV services that have live TV. Here's the best of what we tried:

    Frequently asked questions

    What streaming service is best for live TV?

    FuboTV does the best job of letting you organize live channels to help you find just what you want to watch. The interface is uncluttered and when you search for something, the UI clearly tells you whether something is live now or on-demand. YouTube TV also does a good job making that info clear. Both have just over 100 live channels on offer.

    What is the most cost effective TV streaming service?

    Free TV streaming services like PlutoTV, Plex, Tubi and FreeVee show plenty of ad-supported TV shows and movies without charging you anything. Of course, they won’t have the same channels or content that more premium subscriptions have. Ultimately it depends on what you want to watch and finding the service that can supply that to you in the most streamlined form so you’re not paying for stuff you don’t need.

    Is it cheaper to have cable or streaming?

    A basic cable package used to be more expensive than the base-level live TV streaming service. But now that nearly all major providers have raised their prices to over $75 per month, that’s no longer the case. And with add-ons and other premiums, you can easily pay over $200 a month for either cable or a live TV streaming service.

    What streaming service has all the TV channels?

    No service that we tested had every available channel. Hulu + Live TV and DirecTV Stream carry the highest number of the top rated channels, according to Neilsen. Hulu’s service will also get you Disney+ fare, which you can’t get elsewhere. FuboTV has the most sports channels and YouTube TV gives you the widest selection of add-ons.

    What is the most popular live TV streaming platform?

    YouTube TV has the most paying customers. According to this year’s letter from the company’s CEO, the service has over eight million subscribers. Disney’s 2023 fourth quarter earnings put the Hulu + Live TV viewer count at 4.6 million. Sling reported two million patrons and FuboTV claimed 1.1 million, both in respective year-end reports.

    This article originally appeared on Engadget at https://www.engadget.com/best-live-tv-streaming-service-133000410.html?src=rss

  • The 6 best budgeting apps to replace Mint

    More than 10 years and millions of users later, the popular budgeting app Mint has shut down for good. Parent company Intuit shuttered the app on March 24, 2024, and has prompted its users migrate to its other personal finance app, Credit Karma. I, along with 3.6 million others (as of 2021, according to Bloomberg), had been Mint users for a long time, trusting the budgeting app to track all of my accounts in one place. Mint was also the tool I used to monitor my credit score, stick to a monthly spending plan and set goals like building a rainy-day fund or paying down my mortgage faster.

    So I gave Credit Karma a shot after hearing I would be imminently forced off of Mint. I was left unimpressed; it’s not a true Mint alternative, so finding a similar app that could be became a top priority for me. The following guide lays out my experience testing some of the most popular Mint replacement apps available today. If you’re also on the hunt for a budgeting app to replace Mint, we hope these details can help you decide which of the best budgeting apps out there could meet your needs in this post-Mint world.

    How to import your financial data from Mint

    Mint users should consider getting their data ready to migrate to their new budgeting app of choice soon. Unfortunately, importing data from Mint is not as easy as entering your credentials from inside your new app and hitting “import.” In fact, any app that advertises the ability to port over your stats from Mint is just going to have you upload a CSV file of transactions and other data.

    To download a CSV file from Mint, do the following:

    1. Sign into Mint.com and hit Transactions in the menu on the left side of the screen.

    2. Select an account, or all accounts.

    3. Scroll down and look for “export [number] transactions” in smaller print.

    4. Your CSV file should begin downloading.

    Note: Downloading on a per-account basis might seem more annoying, but could help you get set up on the other side, if the app you’re using has you importing transactions one-for-one into their corresponding accounts.

    How we tested

    Before I dove into the world of budgeting apps, I had to do some research. To find a list of apps to test, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps they might be using. Some of the apps I found were free, just like Mint. These, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)

    Since this guide is meant to help Mint users find a permanent replacement, any services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.

    Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps (and remember, I really was looking for a Mint alternative myself), I made a point of adding every account to every budgeting app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.

    The best Mint alternative: Quicken Simplifi

    No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other budgeting apps try to distinguish themselves with dark themes and customizable emoji, Simplifi has a clean user interface, with a landing page that you just keep scrolling through to get a detailed overview of all your stats. These include your top-line balances; net worth; recent spending; upcoming recurring payments; a snapshot of your spending plan; top spending categories; achievements; and any watchlists you’ve set up. You can also set up savings goals elsewhere in the app. I also appreciate how it offers neat, almost playful visualizations without ever looking cluttered. I felt at home in the mobile and web dashboards after a day or so, which is faster than I adapted to some competing services (I’m looking at you, YNAB and Monarch).

    Getting set up with Simplifi was mostly painless. I was particularly impressed at how easily it connected to Fidelity; not all budget trackers do, for whatever reason. This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co-manage your account. One thing I would add to my initial assessment of the app, having used it for a few months now: I wish Simplifi offered Zillow integration for easily tracking your home value (or at least a rough estimate of it). Various competitors including Monarch Money and Copilot Money work with Zillow, so clearly there's a Zillow API available for use. As it stands, Simplifi users must add real estate manually like any other asset.

    A screenshot of the
    Dana Wollman / Engadget

    In practice, Simplifi miscategorized some of my expenses, but nothing out of the ordinary compared to any of these budget trackers. As you’re reviewing transactions, you can also mark if you’re expecting a refund, which is a unique feature among the services I tested. Simplifi also estimated my regular income better than some other apps I tested. Most of all, I appreciated the option of being able to categorize some, but not all, purchases from a merchant as recurring. For instance, I can add my two Amazon subscribe-and-saves as recurring payments, without having to create a broad-strokes rule for every Amazon purchase.

    The budgeting feature is also self-explanatory. Just check that your regular income is accurate and be sure to set up recurring payments, making note of which are bills and which are subscriptions. This is important because Simplifi shows you your total take-home income as well as an “income after bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you can add spending targets by category in the “planned spending” bucket. Planned spending can also include one-time expenditures, not just monthly budgets. When you create a budget, Simplifi will suggest a number based on a six-month average.

    Not dealbreakers, but two things to keep in mind as you get started: Simplifi is notable in that you can’t set up an account through Apple or Google. There is also no option for a free trial, though Quicken promises a “30-day money back guarantee.”

    The best Mint alternative (runner-up): Monarch Money

    Monarch Money grew on me. My first impression of the budgeting app, which was founded by a former Mint product manager, was that it's more difficult to use than others on this list, including Simplifi, NerdWallet and Copilot. And it is. Editing expense categories, adding recurring transactions and creating rules, for example, is a little more complicated than it needs to be, especially in the mobile app. (My advice: Use the web app for fine-tuning details.) Monarch also didn’t get my income right; I had to edit it.

    Once you’re set up, though, Monarch offers an impressive level of granularity. In the budgets section, you can see a bona fide balance sheet showing budgets and actuals for each category. You'll also find a forecast, for the year or by month. And recurring expenses can be set not just by merchant, but other parameters as well. For instance, while most Amazon purchases might be marked as “shopping,” those for the amounts of $54.18 or $34.18 are definitely baby supplies, and can be automatically marked as such each time, not to mention programmed as recurring payments. Weirdly, though, there’s no way to mark certain recurring payments as bills, specifically.

    A screenshot of the
    Dana Wollman / Engadget

    Not long after I first published this story in December 2023, Monarch introduced a detailed reporting section where you can create on-demand graphs based on things like accounts, categories and tags. That feature is available just on the web version of the app for now. As part of this same update, Monarch added support for an aggregator that makes it possible to automatically update the value of your car. This, combined with the existing Zillow integration for tracking your home value, makes it easy to quickly add a non-liquid asset like a vehicle or real estate, and have it show up in your net worth graph.

    The mobile app is mostly self-explanatory. The main dashboard shows your net worth; your four most recent transactions; a month-over-month spending comparison; income month-to-date; upcoming bills; an investments snapshot; a list of any goals you’ve set; and, finally, a link to your month-in-review. That month-in-review is more detailed than most, delving into cash flow; top income and expense categories; cash flow trends; changes to your net worth, assets and liabilities; plus asset and liability breakdowns. In February 2024, Monarch expanded on the net worth graph, so that if you click on the Accounts tab you can see how your net worth changed over different periods of time, including one month, three months, six months, a year or all time.

    On the main screen, you’ll also find tabs for accounts, transactions, cash flow, budget and recurring. Like many of the other apps featured here, Monarch can auto-detect recurring expenses and income, even if it gets the category wrong. (They all do to an extent.) Expense categories are marked by emoji, which you can customize if you’re so inclined.

    Monarch Money uses a combination of networks to connect with banks, including Plaid, MX and Finicity, a competing network owned by Mastercard. (I have a quick explainer on Plaid, the industry standard in this space, toward the end of this guide.) As part of an update in late December, Monarch has also made it easier to connect through those other two networks, if for some reason Plaid fails. Similar to NerdWallet, I found myself completing two-factor authentication every time I wanted to get past the Plaid screen to add another account. Notably, Monarch is the only other app I tested that allows you to grant access to someone else in your family — likely a spouse or financial advisor. Monarch also has a Chrome extension for importing from Mint, though really this is just a shortcut for downloading a CSV file, which you’ll have to do regardless of where you choose to take your Mint data.

    Additionally, Monarch just added the ability to track Apple Card, Apple Cash, and Savings accounts, thanks to new functionality brought with the iOS 17.4 update. It's not the only one either; currently, Copilot and YNAB have also added similar functionality that will be available to anyone with the latest versions of their respective apps on a device running iOS 17.4. Instead of manually uploading statements, the new functionality allows apps like Monarch's to automatically pull in transactions and balance history. That should make it easier to account for spending on Apple cards and accounts throughout the month.

    Monarch also recently launched investment transactions in beta. It also says bill tracking and an overhauled goals system are coming soon. Monarch hasn't provided a timeline for that last one, except to say that the improved goals feature is coming in early 2024.

    The best up-and-comer: Copilot Money

    Copilot Money might be the best-looking budgeting app I tested. It also has the distinction of being exclusive to iOS and Macs — at least for now. Andres Ugarte, the company’s CEO, has publicly promised that Android and web apps are coming in 2024 (more likely the second half of the year, Ugarte tells me). But until it follows through, I can’t recommend Copilot for most people with so many good competitors out there.

    There are other features that Copilot is missing, which I’ll get into. But it is promising, and one to keep an eye on. It’s just a fast, efficient, well designed app, and Android users will be in for a treat when they’ll finally be able to download it. It makes good use of colors, emoji and graphs to help you understand at a glance how you’re doing on everything from your budgets to your investment performance to your credit card debt over time. In particular, Copilot does a better job than almost any other app of visualizing your recurring monthly expenses.

    Behind those punchy colors and cutesy emoji, though, is some sophisticated performance. Copilot’s AI-powered “Intelligence” gets smarter as you go at categorizing your expenses. (You can also add your own categories, complete with your choice of emoji.) It’s not perfect. Copilot miscategorized some purchases (they all do), but it makes it easier to edit than most. On top of that, the internal search feature is very fast; it starts whittling down results in your transaction history as soon as you begin typing.

    A screenshot of Copilot Money's iOS app.
    Dana Wollman / Engadget

    Copilot is also unique in offering Amazon and Venmo integrations, allowing you to see transaction details. With Amazon, this requires just signing into your Amazon account via an in-app browser. For Venmo, you have to set up fwd@copilot.money as a forwarding address and then create a filter, wherein emails from venmo@venmo.com are automatically forwarded to fwd@copilot.money. Like Monarch Money, you can also add any property you own and track its value through Zillow, which is integrated with the app.

    While the app is heavily automated, I still appreciate that Copilot marks new transactions for review. It’s a good way to both weed out fraudulent charges, and also be somewhat intentional about your spending habits.

    Like Monarch Money, Copilot updated its app to make it easier to connect to banks through networks other than Plaid. As part of the same update, Copilot said it has improved its connections to both American Express and Fidelity which, again, can be a bugbear for some budget tracking apps. In an even more recent update, Copilot added a Mint import option, which other budgeting apps have begun to offer as well.

    Because the app is relatively new (it launched in early 2020), the company is still catching up to the competition on some table-stakes features. Ugarte told me that his team is almost done building out a detailed cash flow section, which could launch before the end of 2023, but more likely in early 2024. On its website, Copilot also promises a raft of AI-powered features that build on its current “Intelligence” platform, the one that powers its smart expense categorization. These include “smart financial goals,” natural language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is meant to give people a sense of how they’re doing compared to other Copilot users, on both spending and investment performance. Most of these features should arrive in the new year.

    Copilot does a couple interesting things for new customers that distinguish it from the competition. There’s a “demo mode” that feels like a game simulator; no need to add your own accounts. The company is also offering two free months with RIPMINT — a more generous introductory offer than most. When it finally does come time to pony up, the $7.92 monthly plan is cheaper than some competing apps, although the $95-a-year-option is in the same ballpark.

    The best free budgeting app: NerdWallet

    You may know NerdWallet as a site that offers a mix of personal finance news, explainers and guides. I see it often when I google a financial term I don’t know and sure enough, it’s one of the sites I’m most likely to click on. As it happens, NerdWallet also has the distinction of offering one of the only free budgeting apps I tested. In fact, there is no paid version; nothing is locked behind a paywall. The main catch: There are ads everywhere. To be fair, the free version of Mint was like this, too.

    Even with the inescapable credit card offers, NerdWallet has a clean, easy-to-understand user interface, which includes both a web and a mobile app. The key metrics that it highlights most prominently are your cash flow, net worth and credit score. (Of note, although Mint itself offered credit score monitoring, most of its rivals do not.) I particularly enjoyed the weekly insights, which delve into things like where you spent the most money or how much you paid in fees — and how that compares to the previous month. Because this is NerdWallet, an encyclopedia of financial info, you get some particularly specific category options when setting up your accounts (think: a Roth or non-Roth IRA).

    A screenshot of the
    Dana Wollman / Engadget

    As a budgeting app, NerdWallet is more than serviceable, if a bit basic. Like other apps I tested, you can set up recurring bills. Importantly, it follows the popular 50/30/20 budgeting rule, which has you putting 50% of your budget toward things you need, 30% toward things you want, and the remaining 20% into savings or debt repayments. If this works for you, great — just know that you can’t customize your budget to the same degree as some competing apps. You can’t currently create custom spending categories, though a note inside the dashboard section of the app says “you’ll be able to customize them in the future.” You also can’t move items from the wants column to “needs” or vice versa but “In the future, you'll be able to move specific transactions to actively manage what falls into each group.” A NerdWallet spokesperson declined to provide an ETA, though.

    Lastly, it’s worth noting that NerdWallet had one of the most onerous setup processes of any app I tested. I don’t think this is a dealbreaker, as you’ll only have to do it once and, hopefully, you aren’t setting up six or seven apps in tandem as I was. What made NerdWallet’s onboarding especially tedious is that every time I wanted to add an account, I had to go through a two-factor authentication process to even get past the Plaid splash screen, and that’s not including the 2FA I had set up at each of my banks. This is a security policy on NerdWallet’s end, not Plaid’s, a Plaid spokesperson says.

    Precisely because NerdWallet is one of the only budget trackers to offer credit score monitoring, it also needs more of your personal info during setup, including your birthday, address, phone number and the last four digits of your social security number. It’s the same with Credit Karma, which also does credit score monitoring.

    Related to the setup process, I found that NerdWallet was less adept than other apps at automatically detecting my regular income. In my case, it counted a large one-time wire transfer as income, at which point my only other option was to enter my income manually (which is slightly annoying because I would have needed my pay stub handy to double-check my take-home pay).

    Budgeting apps we also tested

    YNAB

    YNAB is, by its own admission, “different from anything you’ve tried before.” The app, whose name is short for You Need a Budget, promotes a so-called zero-based budgeting system, which forces you to assign a purpose for every dollar you earn. A frequently used analogy is to put each dollar in an envelope; you can always move money from one envelope to another in a pinch. These envelopes can include rent and utilities, along with unforeseen expenses like holiday gifts and the inevitable car repair. The idea is that if you budget a certain amount for the unknowns each month, they won’t feel like they’re sneaking up on you.

    Importantly, YNAB is only concerned with the money you have in your accounts now. The app does not ask you to provide your take-home income or set up recurring income payments (although there is a way to do this). The money you will make later in the month through your salaried job is not relevant, because YNAB does not engage in forecasting.

    The app is harder to learn than any other here, and it requires more ongoing effort from the user. And YNAB knows that. Inside both the mobile and web apps are links to videos and other tutorials. Although I never quite got comfortable with the user interface, I did come to appreciate YNAB’s insistence on intentionality. Forcing users to draft a new budget each month and to review each transaction is not necessarily a bad thing. As YNAB says on its website, “Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants — but you’ve still spent an obscene amount of money in restaurants.” I can see this approach being useful for people who don’t tend to have a lot of cash in reserve at a given time, or who have spending habits they want to correct (to riff off of YNAB’s own example, ordering Seamless four times a week).

    My colleague Valentina Palladino, knowing I was working on this guide, penned a respectful rebuttal, explaining why she’s been using YNAB for years. Perhaps, like her, you have major savings goals you want to achieve, whether it’s paying for a wedding or buying a house. I suggest you give her column a read. For me, though, YNAB’s approach feels like overkill.

    PocketGuard

    PocketGuard is one of the only reputable free budget trackers I found in my research. Just know it’s far more restricted at the free tier than NerdWallet or Mint. In my testing, I was prompted to pay after I attempted to link more than two bank accounts. So much for free, unless you keep things simple with one cash account and one credit card. When it comes time to upgrade to PocketGuard Plus, you have three options: pay $7.99 a month, $34.99 a year or $79.99 for a one-time lifetime license. That lifetime option is actually one of the few unique selling points for me: I’m sure some people will appreciate paying once and never having to, uh, budget for it again.

    From the main screen, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is where you see recurring payments stacked on top of what looks like a budget. The main overview screen shows you your net worth, total assets and debts; net income and total spending for the month; upcoming bills; a handy reminder of when your next paycheck lands; any debt payoff plan you have; and any goals.

    A screenshot of the
    Dana Wollman / Engadget

    Like some other apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, where you enter all of your recurring bills, and then PocketGuard shows you what’s left, and that’s what you’re supposed to be budgeting: your disposable income. Obviously, other apps have a different philosophy: take into account all of your post-tax income and use it to pay the bills, purchase things you want and maybe even save a little. But in PocketGuard, it’s the “in your pocket” number that’s most prominent. To PocketGuard’s credit, it does a good job visualizing which bills are upcoming and which ones you’ve already paid.

    PocketGuard has also publicly committed to adding some popular features in early 2024. These include rollover budgeting in January 2024, categorization rules in February and shared household access in March.

    A screenshot of PocketGuard's iOS app.
    Dana Wollman / Engadget

    Although PocketGuard’s UI is easy enough to understand, it lacks polish. The “accounts” tab is a little busy, and doesn’t show totals for categories like cash or investments. Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky. More than once, it prompted me to update the app when no updates were available. The web version, meanwhile, feels like the mobile app blown up to a larger format and doesn’t take advantage of the extra screen real estate.

    Of note, although PocketGuard does work with Plaid, its primary bank-connecting platform is actually Finicity. Setting up my accounts through Finicity was mostly a straightforward process. I did encounter one hiccup: Finicity would not connect to my SoFi account. I was able to do it through Plaid, but PocketGuard doesn’t make it easy to access Plaid in the app. The only way, as far as I can tell, is to knowingly search for the name of a bank that isn’t available through Finicity, at which point you get the option to try Plaid instead. Like I said: the experience can be janky.

    What is Plaid and how does it work?

    Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining in its own section what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.

    To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including the budget trackers I tested for this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.

    As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.

    In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”

    My top Mint alternative picks: Quicken Simplifi and Copilot Money

    To conclude, you might be wondering what app I decided on for myself after all of this research. The answer is actually two apps: Quicken Simplifi, my overall top pick, and Copilot Money. For now, I am actively using both apps and still deciding, long-term, which I feel more comfortable with. I tend to prefer Copilot's fast, colorful user interface, but as I explained above, it's too lacking in table-stakes features for me to go so far as to name it the best overall option.

    This article originally appeared on Engadget at https://www.engadget.com/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss