threefour

9 ms·

31.
by threefour 10y ago
That's true, states do regulate insurance including licenses for sales. And there's some Federal regulation too. The tension between commissions and neutral financial advice is an important issue. Sometimes advisors disclose their
32.
by threefour 10y ago
It should only allocate savings for vacation and the user-defined goal after saving for everything else. There's two separate loops in the code. But I'll verify it's working correctly.
33.
by threefour 10y ago
For now we want to learn as much as we can about how people get value from a tool like this and then try to align the revenue model with the value. While we'd like to make some money now, our costs are very low so we can continue to gi
34.
by threefour 10y ago
Thanks for the feedback! Yes, it is rudimentary for now -- it's a prototype after all. There's only one 'financial philosophy' built in to the algorithm, and it's quite conservative about lowering risk. But we think
35.
by threefour 10y ago
Clickable link to prototype: https://nickelhq.com/nickel
36.
Apply HN: Nickel is personal financial planning for free
11 points by threefour 10y ago|15 comments
37.
by threefour 11y ago
Several people I respect highly recommended this video and immediately ordered his book. But I was bored after a few minutes and stopped watching. His site has a summary: http://www.rushkoff.com/books/throwing-rocks-at-
38.
by threefour 11y ago
I asked Medium about this. They replied, "if you don't have your Twitter/Facebook account connected to your Medium account, you won't be able to sign in at all. You'll need to contact us to regain access to your acc
39.
by threefour 11y ago
An alternative to Mint is http://www.hellowallet.com which I like more. But analyzing transactions in your accounts is all about looking at the past. You might consider focusing on the future instead. For example: 1. Plan how mu
40.
by threefour 11y ago
If you're interested in learning more, this is a great book on the entire process and industry, a rare critical view from inside: Smoke Gets in Your Eyes: And Other Lessons from the Crematory http://www.goodreads.com/bo
41.
by threefour 11y ago
This timeline seems to put all the blame on Japan. No doubt they had over-militaristic tendencies. But let's also take the long view on America from Japan's perspective: * Settlers displace native peoples in the north east of Nort
42.
by threefour 11y ago
Thank you
43.
by threefour 11y ago
I find it sad that eBay even has to think about this. The W3C should have built it into the specs from the beginning instead of making accessibility a ghetto. I think I have great empathy for my customers, but it's hard even for me to
44.
by threefour 11y ago
Love that. I'm working in group benefits insurance now and spreadsheets are how everyone communicates. The software is just there to hold the data in between spreadsheet imports and exports.
45.
by threefour 11y ago
Before I read Tufte I assumed my fellow designers were learning bushels of information design skills from his books that I sorely lacked. After reading Tufte, I realize it's wonderfully pleasing design porn, and the teaching is usually
46.
by threefour 11y ago
I used to be product manager of a popular online dating site serving the German-speaking countries in Europe. I and my team were in New York, the developers were in the UK, and who knows where the servers were. Safe Harbor made it very easy
47.
by threefour 11y ago
I've been in UX for over 15 years, mostly in the U.S. and Germany, and I think looking at salary on the country level is the wrong level of granularity. For example, it's completely possible that salaries in London are higher than
48.
by threefour 11y ago
The chip tune soundtrack is perfect.
49.
by threefour 11y ago
I love the new UI, but I thought the old UI was a great poweruser UI. Problem was, I wasn't in the thing often enough to become a poweruser. If I was the product manager, I would have made the new UI the default and the old UI a poweru
50.
by threefour 11y ago
On iOS I could three steps: 1. tap dropdown to select 2. scroll list 3. tap 'Done' But with any list of significant length (the reason you would use a dropdown in the first place) you'll probably need a few actions to scroll
51.
by threefour 11y ago
We're building a 'TurboTax for personal financial plans.' Think LearnVest but automated instead of using human financial advisors. http://www.nickelhq.com I'm a product designer and my co-founder is a certifi
52.
by threefour 11y ago
Similar but CK looks to expand theirs into more lucrative territory. It's the difference between referrals and commissions.
53.
by threefour 11y ago
I once had COBRA benefits administered by ADP and they everything they could to boot me off, and once they did they made a mockery of the appeals process (this was before the day of the Affordable Care Act when getting health care could be
54.
by threefour 11y ago
The fraud problem is discussed in the Paypal interview in the Founders at Work book. Paraphrasing: "Paypal is really a security company disguised as a financial services company."
55.
by threefour 11y ago
True. And closer to our space, years ago I started an online/offline school with a dream of becoming what General Assembly is now. The marketing costs made my venture less palatable. GA was smart to get a $200K grant from NYC to get ov
56.
by threefour 11y ago
+1 to ratcheting drivers, they're great
57.
by threefour 11y ago
I could see how that would be true in some cases, but in cases where the startup hadn't launched yet I would assume there's a lot less to audit.
58.
by threefour 11y ago
To me, meal replacement drinks sold at drugstore are to Soylent what Microsoft is to open source. Both have their merits and I use both types of products, but I really like a world with open source in it.
59.
by threefour 12y ago
"architectural wank" -- that's one for the dictionary!
60.
by threefour 12y ago
I love the way Maciej Cegłowski describes his setup at Pinboard: "Pinboard is written in PHP and Perl. The site uses MySQL for data storage, Sphinx for search, Beanstalk as a message queue, and a combination of storage appliances and A

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