Hacker News Reader

rryyanon Ask HN: Who is hiring? (December 2018)

M1 Finance | Senior Product & UX Designer | Chicago, IL | Full-Time | Onsite

M1 Finance is reinventing the tools you use to invest, borrow, and spend your money. We’ve built a unique, no-fee investment brokerage that automates trading into your custom portfolio of stocks using fractional shares, and a flexible portfolio line of credit that lets you borrow instantly at a super-low rate — but that’s just the beginning. Learn more about us at https://m1finance.com.

We’re seeking a Senior Product & UX Designer to join us full-time in Chicago, IL and take the lead role in defining the end-to-end design of our iOS, Android, and web applications. Our product already enjoys great reviews and our business is growing quickly, but we have ambitious goals, and this person will be charged with elevating our product design to the next level. We are looking for someone with talent and experience focused on designing concepts, flows, and interfaces that deliver powerful capabilities to users in a simple and intuitive way.

If you’re interested in our mission and want to work on a great product with great people, please apply!

https://jobs.smartrecruiters.com/M1Finance/743999679696773-s...

rryyanon Most Millennials are not on track when it comes to saving for retirement

IRAs do have exceptions to the early-withdrawal penalty for just the sort of reasons you note: https://www.irs.gov/retirement-plans/plan-participant-employ...

rryyanon Ask HN: Who is hiring? (August 2018)

M1 Finance | Lead iOS Engineer | Chicago, IL | Full-Time | ONSITE

M1 Finance is a digital-first investment brokerage that lets you a automate trades into a custom portfolio of stocks using fractional shares and with no fees. Learn more about us at https://m1finance.com.

We’re seeking a senior iOS engineer to join us full-time in Chicago to lead the development and evolution of our iOS app from end-to-end. The app is currently live (https://itunes.apple.com/us/app/id1071915644) and already enjoys great reviews — but we have ambitious plans, and it’s a great time to join us and make a big impact.

More detail here: https://jobs.smartrecruiters.com/M1Finance/743999672703995-l.... If you’re interested in our mission and want to work on a great product with great people, please apply via the link!

rryyanon Ask HN: Who is hiring? (July 2018)

M1 Finance is an automated investment brokerage that lets you invest in the stocks you want, for free. We're currently managing hundreds of millions of dollars and signing up thousands of new customers each week. But we're not done: we recently launched a new simple, low-cost way to borrow against your portfolio, and have more ambitious plans to take on the entrenched personal finance space.

We're seeking a talented senior iOS engineer to lead the development and evolution of our iOS app from end-to-end. If you're interested in our mission and want to work on a great product with great people, please apply: https://jobs.smartrecruiters.com/M1Finance/743999672703995-l...

rryyanon Show HN: M1 Borrow – free investing and 3.75% APR portfolio line of credit

Taxable (non-IRA) accounts with at least $25k are eligible to borrow against.

rryyanon Show HN: M1 Borrow – free investing and 3.75% APR portfolio line of credit

Hello HN, M1 Finance is introducing our newest feature today: M1 Borrow. M1 already lets you invest in the stocks you want for free, and now we also offer a simple, low-cost way to borrow against your portfolio.

Borrow up to 35% of your account value instantly at 3.75% APR and pay back anytime. Use the funds for any purpose: make a large upfront purchase (car/wedding/remodel/etc.) without selling positions, refinance other debt, or just leverage your portfolio.

I lead the product team at M1, and would love your feedback!

rryyanon Show HN: M1 Finance – Automatically invest in what you want, for free

Good question, we of course need revenue to serve our customers and grow. The short answer is that brokerages can make money from the assets held in their accounts and from handling customer trades. And compared to legacy brokerages, being digital-first allows M1 to minimize costs and offer our investing service without commission fees.

Our founder and CEO goes into more detail about our sources of revenue in this blog post: https://blog.m1finance.com/m1-is-now-free/. (Look for the section "How We’ll Make Money".)

rryyanon Show HN: M1 Finance – Automatically invest in what you want, for free

We're adding additional personal finance products to our offering. We'll share specifics in future announcements -- stay tuned!

rryyanon Show HN: M1 Finance – Automatically invest in what you want, for free

Thanks!

M1 is like Robinhood in that you can own any stock/ETF you choose. The biggest difference is that Robinhood is a traditional brokerage, where you must manually buy and sell individual securities. This is good if you are a trader, but pretty annoying if you are a typical investor. For example, let's say you are investing in a diversivied portfolio of several stocks and ETFs -- whenever you want to invest more money, you must calculate and enter exactly how much of each holding to buy in order to keep your portfolio proportions in balance. (And further, you're limited to buying only full shares.)

M1 automates all of this for you. You set the target proporitions for your portfolio, and whenever you deposit money, we intelligently buy exactly the right amount of each holding to keep you in balance. Our aim is to be a new kind of brokerage -- the easiest and most convenient option for a modern investor.

rryyanon Show HN: M1 Finance – Automatically invest in what you want, for free

Unfortunately M1 is only available to US citizens or permanent residents at this time.

rryyanon Show HN: M1 Finance – Automatically invest in what you want, for free

Hello HN! I lead the team at M1 Finance responsible for designing and building our product.

M1 is an automated brokerage that allows you to easily invest in a custom portfolio on our web site or mobile apps. Whenever you deposit or withdraw money, we automatically calculate and execute the trades for you. Your money is invested down to the penny using fractional shares.

For the investor, we think robo-advisors don’t offer enough choice over your portfolio, and other brokerages require too much effort to manage your investments. We created M1 to be the ultimate investing tool. And today, we announced we are eliminating all fees to make the investing experience completely free.

We would love to get your feedback! I’ll be around all day watching this thread, or you can reach me anytime at r.spradlin@m1finance.com.

rryyanon PSA: Back Up Your Shit

If you can recover the iPhone backup files that iTunes created from the hard drive (such as via an external enclosure like unepipe mentions), you should be able to recover the messages contained within. Messages are stored in a SQLite DB within the backup (this is how jwz's script reads them).

Looks like iTunes on XP stores backups at this path: \Documents and Settings\(username)\Application Data\Apple Computer\MobileSync\Backup\. That's the directory you need to recover from the hard drive.

rryyanon Apple A6 Teardown

"Even though the A6 was manufactured by Samsung, that doesn't mean it was designed by Samsung. The Apple A6 processor is Apple's first custom-designed processor."

Presumably there is some strain in relations between Apple and Samsung, given that they compete in the mobile device market, and the lawsuit over copying designs.

Would Apple be worried that Samsung would be able to glean trade secrets from their custom design of the A6? Would the information provided to Samsung for manufacture of the chip pose this kind of risk? Or would be less like handing off source code, and more like handing off a compiled binary?

rryyanon Apple and the Kindle

Connecting with iTunes is actually no longer required for iOS devices starting with iOS 5.

You can also add PDFs to iBooks on the device without iTunes -- not sure about epub files though.

rryyanon Googler: "we pushed a bad version of our iOS app for Gmail"

Deja vu, this happened when Google launched the Google Plus iOS app too:

http://venturebeat.com/2011/07/19/google-plus-iphone-app-lau...

rryyanon AVOS’ Delicious Disaster: Lessons from a Complete Failure

I can offer a data point: I was able to export my data from the new delicious on tuesday (after noticing the changes) and then import it into a new pinboard account with no issues or anything missing (998 bookmarks and 2748 tags). maybe I was lucky!

rryyanon The Next Six Months

In fact, this is exactly what HP did.

rryyanon The Next Big Language

Maybe you're already aware of this, but a few months ago he started occasionally posting again -- here's his "I'm back" post: http://steve-yegge.blogspot.com/2010/07/blogger-finger.html.

That said, I miss his longer-form and more frequent posts too.

rryyanon Microsoft Outlook ruins my evening

The key part that's worth knowing about:

> I did some googling and the pieces slowly began falling into place. It turns out there’s a horrific bug in recent Outlook versions’ handling of read receipts: unread messages deleted from an IMAP folder can send a “not read” MDN, even if you’ve explicitly configured Outlook not to do so.

Yikes, that's annoying.

rryyanon Apple's Steve Wozniak: 'We've lost a lot of control'

> Despite his frustrations with gadgetry, Wozniak is still a gearhead. He says he carries five to 10 cell phones around with him at a given time. Sometimes he'll set up half a dozen of them, along with standalone GPS units, on his car's windshield, all navigating him to the same spot.

What?

(I have to say, I respect Woz as an engineer, but this kind of odd behavior reduces his credibility as a popular technology prognosticator for me.)

rryyanon Adobe finally releases a decent version (10.2) of Flash Player for OS X

Note that the new hardware acceleration is only for video, and Flash developers will have to update their applications (in a potentially non-trivial way) to take advantage of the new API.

Details here: http://www.adobe.com/devnet/flashplayer/articles/stage_video...

rryyanon Main GNU source repository server compromised

Going further: how about a vulnerability in every program compiled with gcc? I'll just leave this here:

http://cm.bell-labs.com/who/ken/trust.html

rryyanon Index of Boot Sounds

http://en.wikipedia.org/wiki/SGI_Indy

rryyanon Within 3 days another power outage at Linode (Fremont)

Cory Doctorow (of Boing Boing fame) wrote a sci-fi novelette about a datacenter during a crisis: http://craphound.com/overclocked/Cory_Doctorow_-_Overclocked...

I personally didn't find this piece particularly great, but there's an entry in the genre for you.

rryyanon Python Black Magic

Access specifiers (like "private") are language features used to implement the OOP notion of encapsulation: http://en.wikipedia.org/wiki/Encapsulation_(object-oriented_.... Encapsulation is generally cited as one of the defining features of object oriented programming.

rryyanon Life after X: Plans for getting rid of the X server in the future

Thanks! Just what I was looking for, and that article is very interesting.

rryyanon Life after X: Plans for getting rid of the X server in the future

Could anyone explain what the "mouse ahead" feature of X is? It's mentioned in the article and it piqued my curiosity -- googling has been unhelpful.

rryyanon Facebook Messaging: scorned by nerds, built for teens like candy-covered crack

The internet is also relatively young. Is it not unreasonable that the pace of change might stabilize over time, and a few long-term players will emerge?

What I'm saying is -- I don't think the internet itself is old enough that there enough precedent to predict how long a vastly influential internet company like Facebook might last.

It's not unusual for companies to be many decades old -- why does it seem assumed that an internet company that is fairly new today won't be around in 30 years?

rryyanon Steve Jobs on Xserve: Hardly Anyone Was Buying Them

Just because it's interesting -- The University of Illinois has a cluster of 768 G5 Xserves: http://www.cse.illinois.edu/turing/. It doesn't appear to actually run OS X though (Fedora instead).

rryyanon A hell of a time

But if he had gotten into a car, and accidentally driven into a pedestrian, he would be called a drunk driver and he would face punishment for his actions.

What I'm saying is, there are limits to "losing control".