innovate

Kedify has recently launched a SaaS-based Kubernetes event-driven autoscaling service that is powered by the popular OSS project KEDA.

SoftBank, it seems, has and is continuing to make investments in startups with unique/proprietary data... smart team...eg recently uber, nauto, mapbox..

freezing credit profiles is a good idea but full account numbers (liability accounts only) as well as addresses and employer data were also part of this breach, its likely there will be many long-term consequences unfortunately...someone with this data can easily impersonate you and level up the level fraud

could we be simply better at doing these tests? eg more accuracy today vs ~44yrs ago?

this is my favorite story about the impact radio shack had on a generation of early makers and startups: "HOW I FOUNDED A $2 BILLION COMPANY WITH A 95 CENT BOOK FROM RADIOSHACK": https://www.wired.com/2016/07/how-i-founded-a-2-billion-comp...

I also loved shopping there... the items seemed to be obscure, growing up I always wondered who actually shopped there for these items to justify an entire store... but the demand was there, they just didn't figure out how to take advantage of the early-mover advantage

we use this actively internally @ReadyForZero for a variety of different analysis, hopefully it's helpful for you and others

this team at Caltech is doing interesting research along these lines: http://www.rnl.caltech.edu/research/index.html

HCI has both theoretical and scientific models that are often driven by cognitive science, psychology and neuroscience.

Check out our FAQs and Privacy Policy, we try to address this and other issues there: https://www.readyforzero.com/overview/faqs https://www.readyforzero.com/overview/privacy

As a datapoint, since the public launch a few days ago we are already helping people track over $35M in credit card debts. We believe trust is earned not paid for.

Thanks. We would love to hear more about your experience as we continue to make improvements.

1/3 of Americans carry a balance from month to month (revolving) = ~100 million people; sorry layout is confusing but this is in fact correct. Of course, more than 100MM actually have at least one credit card but not all of them carry balances.

Simply put, way more than 100MM people have credit cards, only ~100MM or 1/3rd carry balances from month to month.

Today, RFZ is a do it yourself type of tool. So it is a different option altogether than debt consolidation but we did recently announce a partnership with Lending Club that allows us to consolidate people's high interest debts when and if it makes sense (not always the best option).

Planning tools are definitely in the works. We do help you understand the 'true cost' of items purchased on your credit cards; the interest and fees can be sneaky.

The debt settlement/counseling/management space has been around for over 60 years (since the 1950s), and like other billion $ industries it has gone through a variety of "regulatory" reforms and legal shake-ups. Every industry goes through that.

The debt counseling industry and, in some cases debt settlement, benefit creditors by providing an alternative way to recover funds as compared with bankruptcy or collections. In fact, under what is called "fair share" creditors give these companies direct kickbacks. The % has been reduced significantly because companies were making too much.

If you dig deeper, you will find many creditor and bureau executives working at these non-profit counseling organizations. The business model is a critical aspect in understanding how this industry works.

With all that said, we do not plan to do any debt settlement.

For additional details on the history, take a look at the Uniform Debt-Management Services Act paper (http://blog.readyforzero.com/industry-research/).

Thanks for the comment.

This is absolutely spot on, you will need to trust us like a good friend. We plan to lay out all the details in a transparent way and clearly explain everything as much as possible.

We do not agree and have people using the site today that claim the visibility (interest rates, payment history, credit score, etc.) and automatic planning gave them exactly the edge they needed to start making significant progress. These products (credit cards) were designed to be opaque and difficult to manage.

Fact: your info in great detail is available for about .20 for targeted marketing purposes. Thank you for the comment, we agree :)

Highlighting the "real" cost is critical. If something like this existed, say at the point of sale, I imagine lots of people would think twice about charging it. Thanks for the comment.

I remember this well.

just grabbed it, excellent stuff for our small team and lots of it

I went to silicon valley right out of high school to work in tech, I absolutely understand where you are coming from.

For what its worth, I also started 2 internet companies while in high school and have been a passionate entrepreneur since. After much deliberation and discouraging (not a typo) advice from those around me, I went back to college after 1.5 years in industry to get my degree, knew what I wanted to study, finished quickly and paid for a majority of it on my own. In a few cases, I even finished just as my friends who had gone straight through after HS. I had some real-world experience and knew what I wanted to study. I did serious research on degree programs and studied exactly what I wanted.

If you are up for it, college is a different kind of challenge that is hard to recreate. It requires a lot of "work" but its satisfying to move toward a long-term goal and finish; very similar to the satisfaction of building/launching an app from nothing. It requires discipline no matter who you are (entrepreneur or not) to get through college or school.

Quite simply: I wouldn't go if you expect to get professional experience or learn more about CS, I would go to learn and have fun but know that it will get harder for a lot of reasons to go back later (mostly because you won't have as much fun). ;)

Just like you I thought going away for a few years would make or break me professionally. I guarantee not much will change and you won't miss out on ("waste") as much as you think you will.

All the best.

shouldn't be long, if you want to be expedited send us a note at support@readyforzero.com ;)

we've explored a variety of options but we would ultimately like to empower consumers to prove their creditworthiness in order to access better financial products, credit information and reporting is one avenue we are particularly excited about in terms of monetization.

we're actually letting people through to register as well but have throttled initial registrations so many will get an invite page. thanks for the support and feedback.

nice. solid execution on a great concept.

There are, yes.

But there are lots of common patterns (i.e. email to discuss details with colleagues after a new updated document is published). Supporting each individually would never work but observing and supporting the most common workflows within a group or diverse groups is a great way to create a compelling product imho.

Agreed. Providing structure around an existing workflow for a target group is exactly what the doctor ordered... but even that's a tough nut to crack. One of our hopes in exploring existing workflows is to identify both winners and losers around specific use cases. Thanks for the thoughtful response.

I would also be interested in checking this out if possible. Did I miss the link? Thanks.

Very interesting. What were your challenges with respect to the machine translations specifically? Also, can you post or share the MTurk ads you use/d?

I've found pen and paper to be the most flexible way to go. There is also something to be said about clients reactions to quick and dirty layouts done on paper... its more collaborative and inspires innovation more so than specific tools like photoshop or markup layouts allow for.

Does your hometown have a local newspaper with a classified section? That might be a good place to see where the needs are and what sections will be most useful for your community specifically.

Get something up and running fast... a modified blog as simonk suggested might be a good way to get it up quickly. Craigslist started as a mailing list of sorts among friends.