I also love Apple's OS and first-party apps' seamless integration. However, Google has a better story with cloud apps in gsuite. My Mac is overkill hardware for running a browser, but I like the build quality.
> However, Google has a better story with cloud apps in gsuite.
Except that they just set a death date for my go to whiteboarding app.
It was great to be able to have a dead simple paintbrush level drawing app that was shared in the browser, and I could sketch out on my tablet without dealing with drawing "boxes" and text labels to get an idea across.
I expanded my spreadsheet into a webapp https://jch.app. My original thinking was to avoid broken bank syncing, but one problem I still have is how to include assets that aren't publicly listed. For example, have funds in a retirement account that's specific to that institution and can't fetch updated prices. Currently getting around that by using a similar target date fund as a proxy for the price.
Sorry if this is a dumb question, but what’s the pricing on that? When I see “sign up for free” I’m trained to expect a hidden, costly upsell.
If it’s actually free it may actually be helpful to add a prominent Pricing in the nav, where you explain why it’s free, how you make money (or how you might plan to), and whether there are any catches, like selling all the data to someone (not that you’d likely do that, but if I stumbled upon the site from anywhere else, I might assume a catch exists)
Anyway what I can see of this looks really professional, so nice job! I’m curious to try it!
Curious to hear what you're looking for from a wealth management product.
With banking / brokerage platforms like Alpaca, it's possible to create an open source roboadvisor, but I'm not sure who the market would be. Someone who is interested in algorithmic trading would go directly access the API's, and someone who wants a hands off experience could choose from existing products, or get bundled services from a big bank.
I'm squarely in the frankenstein of spreadsheets, but also made a mobile frontend in https://jch.app The people I've talked to who use spreadsheets do it because it's fun.
Yes I've done a lot of customer discovery interviews in this space, and what resonates is a quote: "People like spending their money, not spending time with it."
Outside of people who money manage for a living, most analysis tools seem to fit into a "low frequency, low pain" problem for individuals in the "retail" segment. UHNW have so many assets they need tailored help. And people with huge pain in debt don't have much time, or lack the wherewithal to manage spreadsheets or analysis apps.
Ya the people I talked to that enjoyed tinkering were FIRE enthusiasts or bogleheads. But that felt more like entertainment and community rather than looking for a solution to a specific problem.
I talked with small financial advisory firms (1-3 advisors) to see if there were some backend tools to help them with client work. There's some initial data gathering and entry, but the value is the coaching and psychology rather than the hard numbers.
Yes I think that is very true about advisory. In the retail space a lot of the value prop for an advisor seems similar to a personal trainer -- someone to keep you accountable. At the "more money, more problems" level, advisors actually do become busy executing specific tasks -- monitoring and trading multiple accounts, negotiation among family members, real estate agents, or PE firms... -- tech is empowering advisors to do more rather than replacing them.
I like Arta's pitch as a "digital family office" that handles more than just investments. Managing investments is still table stakes, but they also throw in estate planning and other offerings that a traditional financial advisor would offer.
I tried Titan a while back and found that less compelling as a "hedge fund / active management roboadvisor". It didn't seem to differentiate sufficiently from the passive roboadvisors or what traditional wealth management could offer.
One thing that I would like to see is tax impact analysis though this is naturally very country-specific.
For example I would like to calculate the impact of wash sale or seeing the tax impact for selling from certain lot (in terms of short/long term taxes). And if you did these what would your tax impact look like if you sold things at expected mark growth rate (or certain value you set).
I like focusing on DIY-ers and having the web UI for visualizations. Makes sense that someone who would take the time to set things up would want increased flexibility over a spreadsheet.
Could you link to a fuller gist? Is self referring to an ActionDispatch::Response object? I plan on improving rails integration with rack-stream so that you can call `#chunk` from controllers and that will defer sending a chunk of content.
I was playing around with a redesign of my car blog over the weekend with responsive design with a vertical rhythm (http://rockyroadblog.herokuapp.com/) I like the post's approach to navigation and didn't know about the 'aside' element previously. If anyone's interested, I can post the source files for my redesign on github.
I think ads would be reasonable. Especially if they integrate with the design and aren't all flashy and distracting. Another monetization strategy might be to make the web version free, but charge for mobile apps. There could be free ad-supported mobile versions as well.
Stripe is fantastic payment gateway to integrate with. I despise paypal, but it wouldn't hurt to throw a paypal donate button up in the meantime either.
