skysight-inc/HackerNews huggingface dataset:
(I'm a co-founder of BankSimple.)

Once you tell our service about your savings goals, we're able to tell you what you can _safely_ spend. That means not dipping into the savings that you should be building, or putting yourself in a situation where you can't pay rent.

We've done a lot of early customer development. Our features and approach are built from feedback from thousands of conversations. So, yes, a bunch of people do want to know how much money they can spend right now, but we want to let them know that in a way that won't harm them financially.

Payments (wire transfers, etc.) are coming soon. If there's a banking feature you think could be done better, we're probably going to try to do it better :)
Most valuations / acquisition amounts are confidential. I agree, that would be better data to show, but it's just unrealistic to think you can get that.
thanks pg!
There was a post recently about starting up "rent a sysadmin." The problem is two-fold. How would you vet them apriori? After a while they could get reputation I guess but you're handing over everything to the sysadmin.

The second is that IMHO a good sysadmin is worth their weight in gold. So what would the caliber of the rent-a-sysadmin be given the short term and relatively "low pay."
> In my opinion in the future you will have a browser and type in a url but a native app will open in the browser window.These native apps will be built for different platforms.The web app will be shown by default if a native app hasnt been developed for that platform.

That's basically the present, where sites detect your platform and prompt you to install an app if they wrote one. Is it so great? Are we going to write HTML/JS, Objective-C, Java, and C# versions of all of our apps?
As somebody else mentioned, it's not just about money.

Here in Australia, we have four massive banks. They're some of the most profitable in the world and three of them are currently in the process of major technology renewal programmes.

The problem is that the systems are so complex, inter-linked and old (the last upgrade was apparently in the 80s) that making changes is a nightmare. Indeed, one particular bank, NAB, has had huge problems leaving people unable to access their money for several days, caused by upgrades. Downtime is completely out of the question and making radical changes (could render some obscure system inoperable) is impossible. While there is a lack of vision, I think it goes far deeper than that.
Plus the plan has to be something nationally available if you're dealing with remote workers.
talkin about symbid (the platform they're using to find investors) I've tried registering and reading (probabily for the first time in my life) the Terms of Agreement I found that you declare that you're resident in Holland. And on the FAQ they say that you have to create a BV society before or after getting the funds..
The best killer music feature I've ever enjoyed was working for a startup where everyone shared their iTunes library on the network. I tuned in to interesting new music everyday. :)
When I upgraded to lion I decided to not bother installing flash on firefox

The only time I switch is to watch youtube / vimeo or a news video, very occasionally youtube gives me a html5 video which is nice, I dont understand why the rest dont already support html5
(I'm a co-founder of BankSimple.)

So, what you're talking about to the best of my understanding is the kind of billing systems that are popular outside of America but pretty underused here. Our CEO and CFO are both from outside the US, and our CEO in particular really prefers to pay his bills that way.

It's definitely something we'll get to, but it's also not something that will be totally unique to us; like you said, it's possible today, just clunky. This technology is called "electronic bill presentment", if you're curious.

Thanks for your thoughts!

(Oh: an actual API is in the works, too.)
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I'm not a USAA member, but that's a complete myth. See this link for the facts: https://www.usaa.com/inet/pages/why_choose_usaa_eligibility_...

"USAA's investment products, most checking and savings products, credit cards, life insurance, and shopping and discounts are available to other individuals. USAA auto and property insurance is not available due to membership eligibility requirements."
I have not seen such a crap coming out of Mashable before.
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(I'm a co-founder of BankSimple.)

Our easily-searchable transaction list is just one feature. That feature alone wouldn't make it work switching. What we're doing is holistic: it's about taking every part of the banking experience, from technology to customer service, and making it better.

What we demoed today was just the beginning. And some of what we're doing doesn't really demo well; it's intangible.
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Ask HN: Is this data startup idea viable?
Sometimes I want to play around with some data but don't want to overcome the barrier of downloading it, cleaning it, and writing parsing code.

Our vision is to build a startup that makes it easier to do just that. We store the data, you use a webapp to play around with it. So, in a matter of a minute, you could load a time series of Google's stock price, one of Apple's stock price, normalize each by the value of the Dow, and plot on top of them a time series of the consumer price index for urban consumers. Or you could generate some quick scatter plots to see if there's a correlation.

The UI model is based on dataflow programming (like Orange, Weka, or Rapidminer). If you don't know what that is, it looks like this:

http://mines.humanoriented.com/classes/2010/fall/csci568/portfolio_exports/sphilip/images/sample_workflow_border.png

You create "widgets" that do something, like loading data, or making a scatter plot, and you link them up to do things with them.

There's a splash page up at www.kemvi.com.

There's also a working prototype. If you're interested in testing it out, please email info@kemvi.com.
So, I'll just repeat what The Lean Startup would say (or at least my interpretation):

a) You still have your hypothesis, but you can't validate them until you have actual data. People's opinions about how they might act to some situation in the future is not data. People actually using your product is though.

b) Smoke test demand for the product in the first place. You could have created a sign-up page in a weekend and spent a few weeks marketing that if you wanted to feel comfortable with potential demand. These guys did just that and had thousands of sign-ups before they even begun programming their product (http://vizualize.me/).

Go on Facebook right now and share a link to a webpage that you can track. When you share out the link use the headline "National grade statistics released. Is your child a genius or falling behind the curve?". Tell me how many people clicked on that link. That's your smoke test. My gut tells me parents are not exactly your typical consumers. Parents emigrate to new countries where they have to work menial jobs but so that their kids can attend better public schools than what would be available to them at home.

c) Create a "concierge" MVP for your first few customers. It's an MVP version of your software that the first few customers use in which you can assess the usefulness of features before you program them.

You could have set your wife up with Google Docs templates and watched how she used a few templates over the course of a couple of months of teaching. You could have scaled this out to a pilot program of a few customers, and setting up the templates could have been a weekend job. Only after getting feedback about likes/dislikes with the Google Docs templates solution would you have started to build your software.
I tried to read this story, but was assaulted by an add with audio. No thanks.
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 :)
It's worth setting up Jenkins even with 1 person if it's a serious project. It is ridiculously easy to set up, and it's a "set and forget" procedure. This is orthogonal to continuous deployment, by the way.
I agree. I have a 40 Euro per month server solely for things like a MediaWiki, backup storage and git repositories. Granted, it takes a little bit of Linux-administration, but that's a useful skill anyway.

And creating a new git repo just takes 15 seconds:

cd /opt/git
mkdir reponame.git
cd reponame.git
git init --bare
cd ..
chown -R username:username reponame.git

That's it.
Having said that Github is obviously great (nay, awesome) for larger teams (comment features etc.) and, of course, open-source projects.
Reminds me of the Super Thingmaker: http://en.wikipedia.org/wiki/Creepy_Crawlers#Varieties_of_Th...
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We're not doing the consolidation/aggregation thing. Mint does, of course. But we can't do a lot of what we want to do with the sort of low-fidelity, read-only data access that a service like Mint has.

We're subject to the same security requirements that the rest of the financial industry is. We try to go above and beyond them. Nobody's security will ever be perfect, but we push our bank partners to be as secure as possible. We take security very, very seriously.
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It offers the alternative of suggesting a better architecture for their distribution app (which frankly sounds pretty friggin easy to dream up).
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Blarg! I literally just started using this library 12 hours ago for my research work at my university. Now I feel I need to remove it ASAP since its own creator doesn't use it and recommends using something else.
I dont understand this - is there a difference between an explicitly allocated EBS volume and the ephemeral volumes of an EBS-backed instance ?

Or are you focusing on the RAID10 part - but then everywhere RAID10 is touted to be the best RAID solution (right balance between performance and safety)
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(I'm a co-founder of BankSimple.)

A lot of the banks mark up their wire transfer fees. We won't. Domestic US transfers with us (ACH) will be free. International transfers (SWIFT) cost us ~$15, and we'll pass that on to our customers with no mark-up.

We're trying to make electronic payments easier than checks with some UI innovations that today's demo didn't fully address. We want people to move money electronically, not with paper checks.

Bill pay in the US is a mess. We're going to try to have a great bill presentment system to help address this.

A lot of the banking world in the US is baffling to us, too. that's why we're doing what we're doing. We won't be able to fix everything overnight, and there's lots that's out of our control at the moment. But over time, we'll chip away at the problems and try to make banking better.
Just follow the link I provided to the top 1000 most visited sites on the web http://www.google.com/adplanner/static/top1000/

Social network, video host, web portal, search, portal, mass collaboration software, and only at #7 do we get to a blog platform - arguably a "hyperlinked document" server, though really more of a an application -- followed by search, software, portal, search, search, software, classifieds, messaging, video, search -- the vast majority of the top 100 page are non document oriented apps.
Copy protection for enterprise software
I'm expecting to make a first sale to a large financial institution shortly, price in the mid-five figures. It's highly specialised risk management software, but is the kind of thing a user might copy onto a memory stick and take to a new employer or a different office.

Some sort of copy protection, so that it can only be used on one machine at a time, seems like a good idea. What's the best option - a dongle, software...? (I know that no option is perfect, this is just to prevent casual usage elsewhere).

Thanks!
First, I like the site design a lot. It is visually appealing and simple to use and get signed up.

Second, I probably wouldn't use this or a similar site. For truly "throwaway" email addresses, it's hard to beat Mailinator and its kind. Not having to sign up is great, as are endless different email addresses. And for even semi-important (read: a notch above throwaway) emails, I wouldn't be comfortable with very many forwarders from a privacy/security perspective.

Nonetheless, good work for a quick effort.
If anyone's interested in their growth curve, this scraper of their search engine using date ranges gives you figures for their number of users every month since they started. https://scraperwiki.com/scrapers/github_users_each_year/
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She had to have been a really wonderful person to have raised a son who is such a nice human being. My condolences Ed.
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How do the IP issues work out if you use code from your old startup at a new one? If the old legal entity remains, it still owns the code, if it's gone, then what happens? Are there clauses or things that can release the orphan code to a particular person or company or does it just become public domain since the owner is no longer? How does that work?
I guess that's the whole problem, Microsoft wants to be everything to everybody.

Now just compare the same with Apple. They don't have 1/10th the product line as Microsoft and are still more successful.

Focus is important here, when you do so many things and none of them properly you are ultimately in a situation where all your products are weak quality wise. There are always better alternatives in the market and people will feel compelled to switch to them. Imagine this happening with most of your products. Ultimately the whole ecosystem gets weaker.

Even though your numbers may be looking good due to volume, that doesn't tell the whole story. Slowly your competitors one by one will drive you out of the market.
I recently set up Jenkins for a team of 6 with backend/frontend and it was easy and fast to set up. It is nice to automatically have reports added to JIRA when stuff builds correctly or fails, and XMPP notifications allow developers to be notified if something they pushed has broken the build.
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It's pretty remote though...
It's largely a myth that you need proprietary scans. OBDII/III are standards that give instructive error codes - it's actually pretty easy with them and a good multimeter. The manuals are step by step - I'd say parts monopolies in German cars, etc. hurt worse.
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Agree. I see a ghost town in G+ and see a big city in Facebook with all their traffics and unmanage bugs. Facebook just copied the G+ features, but could not copy the concept behind it. I hope both Facebook and G+ success and find their own market.
There's an option which you can disable auto open and just get a growl notification.

The worm hole animation is also optional. :-)
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As an HTML/JS developer I really appreciate these powerful features that HTML5 will never have, and wasn't designed to have.

People who say "use HTML5 instead of Flash" obviously have limited experience in actually building HTML web apps and sites.

Ever tried making a javascript pre-loader? Not gonna happen. There's no jquery.bytesLoaded to the rescue. Even before the web-app has loaded, HTML is struggling to stay in the same game as Flash or native apps. Pre-loading sound files and other assets and relaying the bytes loaded to the user as a progress bar just isn't possible in HTML. You might be able to cook up a half-baked progress loader in JS, but it will suck, I promise.

It's obviously true that for SIMPLE things like menus and other interface features, HTML5 is the choice. But when you start getting seriously rich and multimedia heavy, then you need flash or native apps. And I prefer the Flash development and deployment freedom over native app lock-in any day.

Flash should be allowed as an optional plugin on iOS devices, simple as that. Then people who want it can have it, and people who cry about Flash can turn it off and stick with their iTunes account.
Agree; this strikes me as a kind of anti-trust theater, with two companies that didn't have the foresight to build their own independent branding strategy (nextag) or actually innovate in local search (yelp) complaining about how they are suffering from their own bad business decisions. They put all their eggs in one basket. Whose fault is that? Not Google's!!
One persons trash. Functional but failed projects could be interesting learning material.
We need the inverse: place some real object in a box and get back 3D specs to reproduce. Then kids (that includes all of us, too) can make stuff in Play-doh then make more durable copies.
If I remember correctly, Matz didn't approve a formal grammar for the language until a few years ago, with the idea that any language that can run rubyspec is Ruby.

E.g., the language was defined not by a formal specification, but by implementation.

Then again, my memory is known for being incredibly unreliable; I could be wrong on this one.
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High switching cost for users from facebook to google+. Facebook got strong ecosystem builtup. If there was no facebook then it'd have been different story.
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Just because an increase in CPU power won't lead to a perceptible improvement in performance, that doesn't mean that your CPU is fast enough. It just means that the bottleneck isn't your CPU at the moment. If all your data were stored on high-end SSDs, and your network connections were multi-gigabit, and your display was 300dpi 120Hz, you would find a faster CPU useful.

Only when programmers are the bottleneck, ie. computers can run the most complex algorithms in realtime, rendering their output at the limits of human sensory capabilities, will we have computers that are "fast enough". Until then, our machines are merely tolerably (or not) slow.

Calling a laptop that still takes more than a second to launch Photoshop "fast enough" is too forgiving - the room for improvement is so obvious that we can only forget it by willfully ignoring and excusing it.
Out of curiosity, why don't you keep several repos in a single repo as sub-directories? AFAICT, this should work quite well if the work done on those directories is unrelated to other work. Yes, there will be more revisions but merges shouldn't be more difficult because work is done on different parts.
I think you are wrong - From their own FAQ:
So, what’s the deal...are you a bank?
No, but we replace your current banking relationship. That is, BankSimple provides a modern online banking experience, top-notch customer service, and beautiful mobile apps. Our partner banks hold our customers’ funds in FDIC-insured products and ensure regulatory compliance. BankSimple’s partner banks aren’t large banks, and have been chosen for the safety of their balance sheets and technological capabilities.

https://banksimple.com/faq/#whatthedealis
> "Jeremy Stoppelman, CEO of Yelp and also a witness at today's hearing, said otherwise. He said Google demanded that Yelp comply with Google demands to be included in Google's search engine, including providing its content to Google."

Is that quoted out of context? If not, that sounds worrying.
I disagree with some of the points in this post. I like Google's hangout feature it is neat for group video chats. I use G+ more to follow than friends. I don't think G+ can beat Facebook on friends feed, however it can beat Twitter for following famous people/tech-writers. Personally, combining the two in Facebook's subscribe feature is a nightmare for anyone having more than 100 friends. Ultimately, G+ will get a niche as Social for their products, but not beat Facebook.
Although I'm sure there are a great many leaks that are planned, I suspect that the frequency of leaks lately are more likely caused by companies being more open and more internally communicative. This is a meta-trend in businesses and loss of some secrecy due to accidentally flapping lips is a small price to pay for the benefits of enhanced collaboration that internal openness brings.
The top-rated answer there warmly recommends using Git on top of DB.
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Before using Google, I have been using both Altavista and Yahoo for searches. The results from those older search engines really sucked for me.

I remember sitting at a local Internet Cafe, frustrated that I wasn't finding what I searched for. The I saw somebody using Google and thought I should give it a try.

The difference that I experienced with Google was humongous, and it made an instant convert out of me, even though in general I'm pretty conservative about throwing away tools that work. Really, it wasn't even funny how better Google was.

This was happening in 2001.
Self-learning has worked well for me so far. Within reasonable time, you should be able to do most typical tasks (i.e. within the context of Linux, do things like install new packages from a repo or from source, configure Apache/Nginx/etc., and so on.)

Some things are tougher IMO, like setting up sendmail/e-mail related configuration in general, to make sure your e-mails don't bounce. But that brings me to another point that is valid in 2011 -- fortunately you can "outsource" many tasks to cloud service providers such as Amazon. Definitely know what goes on under the hood, but don't spend precious time maintaining the infrastructure yourself.

If you do hit a point when for some reason the "cloud" solution is too pricy or doesn't scale to your needs, you'll likely be having other (good) problems. In other words, don't worry about that until you're successful, and then hire help if so need be.
I wish there was more of this on the Internet.
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Not really... but I wish they would!
MSCS+H1=Green Card = Mukti.

I am actually more hopeful and bullish about India today than my cynical posts might seem to indicate.
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I just have my own Github repository on an EC2 instance that I rent. I can have how many repositories I want with GB of data, whatever for something like $12 per month.
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