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threefour

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“Trillions of dollars flow through the human hand,” Agrawal says. “To me, this is the biggest problem in the world to be solved.”

They need to work on their messaging. "Human hands are a problem" is going to make enemies. Perhaps "relieve humans of menial chores" and "take over dangerous jobs" and "enable precision not possible with the human hand" etc.

True, I'm just saying I don't think that's where the problems originate.

In my practice, I'll try a Jedi mind trick, e.g. "Trying to [state larger goal] makes a lot of sense. An even more effective way to do that is to [state alternate, non-toxic technique]."

The OP blames "various idiot web 'designers'" for problems, but in my 30 years of being a web designer I have yet to meet one designer that wants to cause these problems. It's usually people responsible for generating revenue.

My Left Kidney 3 years ago

I was born with one kidney, a condition called renal agenesis. I’m 53 years old and in perfect health. Doctors don’t recommend any particular action.

As an aside, I’m also Buddhist so if the kidney goes I’m going with it. This obsession with prolonging life is just a distraction from living it.

On the topic of getting things done, I’ve applied a bit of software development skills to making music. Instead of creating an increasingly growing body of works I focus on a smaller number of “products” that I improve on over time. I get some ideas that are my backlog and I implement them and release a new version. I think of it as an analog to Walt Whitman’s Leaves of Grass; one work that he made and just kept improving over the course of his lifetime.

For me it required both dietary and psychological techniques to deal with feelings of hunger.

- During my morning fast if I'm hungry I'll mix two tablespoons of psyllium husk with water and drink it. Fiber helps you feel full and in this form doesn't break the fast https://www.ifbuddy.com/nutrition/does-fiber-break-a-fast/

- Psychologically I remind myself it's OK to feel hungry. I reframed feelings of hunger from a signal that I forgot to eat to a signal that in a few hours I'll need to eat, as if hunting and gathering will take a few hours so my body is telling me to start now :-)

There's a saying that for every trend there's an anti-trend. I do wonder when we'll reach a critical mass of subscription services such that a preference against subscriptions in general becomes a trend.

Another musician here...

I thought it was awesome what these Argentinians were doing when I moan about the processing power of my oldish MacBook Pro. And I was impressed with the phrasing of the raps.

But of the two examples I clicked through, one focused on violence and the other objectified women. But the sample size of people they profiled was tiny. Maybe if they sought out a female music producer they'd find the Argentinian Grimes?

Imagine a world where people only bought bespoke suits. You go to a tailor and are measured and pick out your fabric and wait a few weeks. Then you pick up your suit. It's perfect. You pay $5000 and take it home.

Most of us don't do that. Most of us make due with off the rack suits with some tailoring for 1/10th the price.

With programming we have an expectation of bespoke design, so anything less, even if it's much easier, seems lame.

A potentially useful reframing of the question is, "What are all the common use cases that could be solved sufficiently with significantly less effort using visual programming?"

Sad. I can remember 20 years ago when I was a SysAdmin lusting after HP machines because they were built better than anything else, the quality of the case and components was unquestionably superior.

That actual inspires confidence for me. I expect the opposite -- for HP's marketing people to scrub out anything that isn't positive, and the fact that they're being honest here is refreshing.

Exactly: automated investing is crowded, but our holistic analysis is different.

Besides LearnVest, there's PolicyGenius (https://www.policygenius.com) who does a good job evaluating your need for individual insurance products and then selling them. They don't do financial planning.

Investment managers such as Personal Capital and Vanguard offer access to advisors if you meet a minimum of assets under management, but the advice is mostly about investing.

SmartAsset and Nerdwallet are focused on content and calculators but have enough funding to move into planning in the future.

Any of the following companies could move into our space, although they all have channel conflicts: Robo investors (e.g. Betterment), Insurance (e.g. Prudential), Banks (e.g. Wells Fargo), Financial planners (e.g. Ameriprise), Investment managers (e.g. Vanguard), Advisor-facing software (e.g. eMoneyAdvisor)

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 compensation but not always. In our case we could not only disclose that but also reveal the logic and math behind the recommendation. The rules aren't a secret; anyone can look them up in a book. The value we add is not having to look them up, and then reconciling all the different rules into an algorithm that takes all the variables into account.