The Pains of Switching Checking Accounts…and the online solution

I recently switched checking accounts and I have so many auto payments going and online services hitting it that its been a total nightmare to get them all switched over. On top of that, I often have several accounts where I keep money and I’ve long found using that money to be a pain when spread out.

That got me thinking, that it would make for an interesting online service, to have a front account, complete with checks and debit card, that you would always use, but then hit whichever account you had setup with it at the time. This could also be a great solution to security issues. No one would really ever have access to your true accounts, only this account facade. The service could also easily help track all expenses across all accounts and log them all. You could setup that certain expenses pull from one account and other expenses pull from another. You would have a grace period of a day on all purchases before it hit your account, to report a false payment, and decide which account that particular expense should come out of.

With this, you could actually keep your money in multiple banks, benefiting from various different features at different banks, without the hassle of bank switching.

Just a thought. If anyone decides to go with this, let me know.

The Best Rails Rumble apps of 2010 – The Top 10 and Honorable Mentions

I finally made it through the rest of the Rails entries from the Rumble. In a previous post I published my favorites from the first half, but now that I’m done, I’ve picked my top ten, and I’m putting them all together here and listing some as Honorable Mentions.

The point of the Rumble, of course, is to show how much can be done in one weekend with the powerful web development framework, but too many of them seem to have taken the opposite approach and tried to see how little they could do in 48 hours. I’ve always felt this competition needs a ‘How much did you get done’ category, since I assume that was the point of the Rumble in the first place. Now it seems to be more about micro apps that could be built in 12 hours, which is safer, but less impressive regarding what Rails can do.

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Favorite Rails Rumble Entries for 2010

Before I write about my own experience this year in my second Rumble (my team’s entry this year is CommendableKids), I decided to try out as many of the entries as I could. I’ve gone through half of them at this point, and below are my favorites so far. Before I get to them, here are a few observations I’ve made while reviewing them all.

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Which of these is most important to you in hiring a developer?
1 Comment

Which of these is most important to you in hiring a developer?

  • Analytical/Problem Solving Abilities (41%, 17 Votes)
  • Experience (27%, 11 Votes)
  • Personality (10%, 4 Votes)
  • Character (10%, 4 Votes)
  • Previous Work Recommendations (7%, 3 Votes)
  • Cost (2%, 1 Votes)
  • Education Level (3%, 1 Votes)

Total Voters: 41

When calculating development costs, the hourly rate is only half the equation

As I transition from full time employment to being fully self-employed (starting in September), I’ve had the wonderful opportunity to talk with a number of potential clients from all industries, with all types of past experiences and varied budgets. In the last month alone, I’ve talked with over 20 different companies. During these talks I’ve learned one major thing that surprised me. I suppose because I’ve been working for individual companies for so long I didn’t realize there were so many misconceptions about developers, web development, and productivity out there in the business world.

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