I think this is your best work yet Kyro. The re-design feels so much more professional and it looks gorgeous. I guess it's true what they say about design being subjective.
There's something about beautiful design that gets me excited and sparks a desire for me to create something beautiful myself. A great design like this also pushes me to try out an app when I probably normally wouldn't. Great job!
This article is very timely for me as I have been thinking about this a lot the last few days. I graduated with a degree in computer science, but like the OP, I didn't study as hard as I could have (I would have a different mindset if I was in college now). It's only been about 8 years since college but I don't remember much at all about algorithms and Big O.
I have been programming in Rails for the last 5 years (on the side) and I'm surely not thinking about algorithms while I am programming. I usually am just hacking it together to get it to work, with help from Google, Stack Overflow, Ruby documentation, etc.
In college I feel like I had the mindset of just getting through the classes and graduating instead of actually learning and applying this information. I think it was just hard for me to see a connection between things I was learning (such as algorithms) and real world applications.
I'm definitely going to spend some time revisiting and relearning algorithms.
Many may not be truly happy with what they are doing but they are not willing to risk the well being of their family in order to seek what truly makes them happy.
I was inspired and agree with most of this article but when I got to these last few lines I thought, "Sure, I am getting money back for my investment, but that money is supporting my family - putting food on the table, gas in the car and a roof over our heads". That's not a bad investment. It's very hard to drop everything and seek what it is that makes you happy when you have a family depending on you.
Well said. That's why I emphasized remembering why we're making money.
If I'm bootstrapping a company, for example, I can do it because I want to make a lot of money, or I can do it because I want to support my family. It's just a difference of emphasis really, but an important one.
Articles has less screen real-estate (because of 3 columns) and it seems like more work to just scroll through and read the headlines. I'm sure it will grow on me but not a huge fan at the moment.
Safe-to-spend balance is great but will it be enforced? I currently calculate my safe to spend balance but nothing stops me from over spending. I don't have the willpower. It would be great if the bank simple card will only let me spend my safe-to-spend balance. So if my safe-to-spend balance is $20 and I go to an ATM and try to withdraw $50, it will decline.
That's exactly what we're doing. If you tell us about your savings goals, you can then "lock" the goals that you really don't want to dip into if you're overspending. We'll prevent transactions from going through, in that case. We keep you honest :)
Your presentation mentioned that goals may be allocated to CD ladders and the like - if so, what happens if you 'dip into' this? Wouldn't you be hit with an unexpected CD early withdrawal fee then?
But if you don't have the money, you don't have the money. I guess you could still carry an "emergency" credit card; maybe one with a high interest rate to deter you from using it unless its really an emergency.
Safe-to-spend is about your current obligations, and other stuff that would reduce your "really available" balance; there's more money physically in the account, in a true emergency you'll rob from tomorrow to pay today's emergency room visit.
Of course, now you need a way to pay for tomorrow, but there's still options: skip a bill or two this month, borrow money (from friends, credit card, payday loan, sell your internal organs), work overtime, or whatever.
