I don’t know… People says that I eat ice cream using the forehead

Besides youtube premium (because kid) and apple one (because icloud) I have no more subscriptions.

I love music and used to have Spotify, but I started to notice they started to remove tracks or entire albums from the catalog.

Now I buy online or rip my CDs, it’s much better and works offline.

In brazil we have pix with 0 fees.

Between individuals it is free. For commercial transactions, there is a fee between 0.22% and 0.33% per transaction, which is actually ~2x the fee of the Visa network (0.13%)! Visa is extremely efficient at moving money anywhere in the world.

Credit and debit card transactions have higher fees because unlike Pix, there is chargeback risk, and the the merchant and acquiring banks party to the transaction are compensated for the risk they assume in those transactions. Pix on the other hand is digital cash. When you spend it, it's gone. Unlike with chargebacks and disputes, there is no reliable mechanism to recover funds for goods not delivered.

I could imagine that Pix is still better for merchants if that is the final fee.

With Visa and Mastercard there are usually many additional actors that also take their share and drive the final fee up.

Some cultures clean without paper, with their hands

Reading this, I do not have a LG TV, but I have 3 LG AC connected to WiFi… Ouch

I don’t use gmail anymore, it just redirect to my custom domain (I use apple mail, but since I own the domain, I can move to anywhere/anytime)

For me (brazilian reais) it always cut the price two digits

I used to use Gmail since beta, then moved out last year because of this kind of "situation".