Architecture School
Carnegie Mellon
Chris Allen
ReOrientMedia - InfiniteCanvas, InfinitePdf

Profile of Personal Finance services targeting Generation Y: Wealth Front/Better Ment, Learn Vest, KapitAll, UpStart...

The first step was building a brand, von Tobel’s and Learn Vest’s, which started as a free website with personal finance content for women (it’s averaging 1.4 million unique visitors a month this year, according to comScore). Then came the financial planning service and a financial education program sold to employers. The current Learn Vest model requires clients to fork over $19 a month plus an upfront fee of $89 to $399 for a mix of computer-generated advice and figurative hand-holding by human financial planners. (The $399 plan includes asset allocation advice.) A customer’s Learn Vest “dashboard” links all her bank, credit cards and investing accounts (14 on average) and displays her plan, her “to-do” list and info on progress she’s made. Help is also delivered via app, e-mail, Web chat, and through phone or Skype calls with a financial pro–however the customer wants it, except in person. Clients are sent nudges (Did you roll over your 401(k)), chirpy e-mails (“Great work!”) and even rewards such as an iTunes song (recent prize: Pharrell Williams’ “Happy”) for accomplishing the first to-do. “We’re not a financial brand,” says von Tobel. “We are a lifestyle brand that is giving you consumability around your money.”

z2014-08-07- Financial Services For Gen Y

William Deresiewicz thinks the current young generation is "Generation Sell". The millennial (Generation Y) affect is the affect of the salesman. Consider the other side of the equation, the Millennials’ characteristic social form. Here’s what I see around me, in the city and the culture: food carts, 20-somethings selling wallets made from recycled plastic bags, boutique pickle companies, techie start-ups, Kickstarter, urban-farming supply stores and bottled water that wants to save the planet. Today’s ideal social form is not the commune or the movement or even the individual creator as such; it’s the small business (SmallCo). Every artistic or moral aspiration — music, food, good works, what have you — is expressed in those terms... This isn’t only them. The small business is the idealized social form of our time. Our culture hero is not the artist or reformer, not the saint or scientist, but the entrepreneur... Today’s polite, pleasant personality is, above all, a commercial personality. It is the salesman’s smile and hearty handshake, because the customer is always right and you should always keep the customer happy. If you want to get ahead, said Ben Franklin, the original business guru, make yourself pleasing to others... They say that people in Holly Wood are always nice to everyone they meet, in that famously fake Hollywood way, because they’re never certain whom they might be dealing with — it could be somebody who’s more important than they realize, or at least, somebody who might become important down the road. Well, we’re all in showbiz now, walking on eggshells, relentlessly tending our customer base. We’re all selling something today, because even if we aren’t literally selling something (though thanks to the Internet as well as the entrepreneurial ideal, more and more of us are), we’re always selling ourselves. We use social media to create a product — to create a brand — and the product is us. We treat ourselves like little businesses, something to be managed and promoted. The self today is an entrepreneurial self, a self that’s packaged to be sold.

z2011-11-15- Deresiewicz Generation Sell
Generation Y
Amazon Web Services
BradFeld ponders its future
ElonMusk is worried about hostile AI
Super Empowered

Kevin Carson has posted 8 excerpts (see links at end) from his in-process Desktop Regulatory State book.

Networked organization offers, as well, to supplant the regulatory state’s old licensing, authentication and quality certification functions. If Consumer Reports was pithecanthropus in this evolutionary schema, and Angie’s List is homo erectus, then the future lies with full-blown networked civil societies (Network Society), organized on a voluntary basis, providing a context within which secure commercial relationships and other forms of cooperation can take place. The future of this model has been described variously as neo-Venetianism or phyles (fictionally in Neal Stephenson’s The Diamond Age and non-fictionally in de Ugarte’s work (z2010-09-14-UgartePhylesTribe)), the DarkNet in Daniel Suarez’s DaeMon/Freedom, and “economies as a social software service” by JohnRobb (z2010-11-09-RobbIntentionalEconomyAsService).

z2014-04-16- Carson Desktop Regulatory State Excerpts
Fractal Dimension Of A Hypertext Space
#02 hypothetical calculation for smaller wikilog with same link density

#03 fixed calculation for this WikiLog, compared to some fake weblogs

#06 calculated fractal dimension for this WikiLog - seems wrong

Fabius Maximus on how the USA can succeed/prosper in the future. American CultUre appears destined to sweep across the globe... We should not expect the members, let alone the elites, of other societies to like the challenges we inadvertently force upon them... Our goal should be to make this the best possible America, safe and secure. Success at this will come as we build momentum through imagination, initiative, and effective execution... Athens held a winning position similar to ours, and threw it away in an imprudent war... American might be structurally unable to successfully implement large and complex strategies, as discussed in this author's "The Myth of Grand Strategy." (z2006-01-31-FabiusMythGrandStrategy) Perhaps this is a problem inherent to a Democra Cy. Athens also had difficulty with long, complex plans... From this perspective flows a few simple recommendations, as a substitute for a Grand Strategy: Do not increase the cohesion of our enemies. Try not to make new enemies; Don't gamble, adopt slow but sure tactics; Survive until we win. (This is 4th/last in his Grand Strategy series.)

z2007-03-20- Maximus America Prosper
Smallest Federated Wiki

Mike Caulfield has been doing some work with Federated Wiki.

Apr'2014: his gloss on the general idea... I'm not talking here about Ward Cunningham's Smallest Federated Wiki, which was largely the inspiration for this, but about our local attempts to make DokuWiki work in a way that approximates federation. But I think the use cases apply to Ward's work as well. Note this piece isn't about EduTech, but rather producing support documentation for your faculty, though he extends the details into teaching-process thoughts... On a wiki every page has an edit button; on a federated wiki, every page has a fork button. He also notes the UI issue: But that step of deciding what comes onto your wiki from the federation — what does that look like? It could get really noisy. It could get very difficult to know which updates of a dozen you want. It could be so time consuming to scan the updates and understand what they are that it’s easier to roll your own. Alternatively, the process could be so silent that everything flows into your drafts folder but never gets used. Things like attributing cleanly without gunking up the articles with too many lines of credits are also issues. Tracking what you have approved and not approved may get confusing as well (Did I review this already?) unless the system handles it elegantly.

Jun04: He's digging into Smallest Federated Wiki, and gives a good pitch of wiki and specifically SFW as getting closer to Ted Nelson's bigger Hyper Text vision. Federation is really a smaller idea in a larger vision. The core problem addressed in Smallest Federated Wiki is how to make a wiki that resists calcification. Parallel columns, draggable elements, and revision features make reorganization cheap and attractive. The JSON basis prevents fossilization of data elements, and allows an easy route to bring dynamic third party material into the site.

Jun10: he sees federation as the best way to support the Emerg Ence of x-MOOC content. People don’t vote on content around which to create groups — rather they use the content, and for each person that use connects them to the creators of that content in specific ways. (Alternative to Student Wiki Web thinking?)

Jun11: pitch for content-survival (Perma Link) via Federation.

Jun12: he walks through the process of forking a page and making changes and scanning changes that other people have made at various points in time. The combination allows for some of the personal vibrancy (and diversity) of blogging while engaged in very un-bloglike, recursive, news-peg-less activities.

Jun17: he revisits the culture-shock associated with people learn to write the WikiWay. By “chunking” large, complex observations and histories into terms and pages you make it possible for people to see patterns that would otherwise be invisible... We’ve never asked the class to develop a new language (Shared Language) in the study of a subject, or to extend an old one. Instead, we gravitate to more traditional modes of academic production. I Commented about the encouragement that comes from using Smashed Together Words for Automatic Linking.

Jun18: he shows how to get a page from another SFW site brought over into yours: he drags the icon next to the URL in the browse Location area over to the empty space at the far right of the window for your own SFW space....

Jun18: he shows how to see the specific version of a page that has cousins in multiple spaces.

Jun19: he notes how the combination of Page Name As Url and federation works invisibly.

Jun20: he notes how a link to a page will give you different results depending on the ConText as defined by the Wiki Space you're currently "in". (This is only confusing because of SFW's style of having you always working in 1 window.)

Jun20: he shows how even your Recent Changes view depends on the breadth of your current Wiki Neighborhood.

Jun20: he notes how SFW's JSON and Structured Wiki focus brings it toward JonUdell's concept of Universal Canvas. SFW isn’t really even a wiki to some extent. It’s more like a networked document.

Jun24: he demonstrates how content spreads via Inter Wiki across mostly-unrelated Wiki Space-s.

Jun30: he introduces the concept of Federation through the example of "Family Movie Night". (NetFlix UX challenge.) Showing how messy getting multiple people to share info gets without federation.

Jul03: he explains how a UI that seems more helpful in the first 60min of use is often less efficient for use over time (Ease Of Learning vs Ease Of Use).

Jul11: he demonstrates how plug-ins work with JSON to have a Structured Wiki encourage Open Innovation by lowering the bar to Iterat Ive-ly defining and collecting data.

Jul24: he revisits the WikiWay of Sense Making via WiKi NoteBook.

Aug05: he pitches the SFW approach of having lots of similar forks of pages "out there" rather than a single master page (as in Wiki Pedia) to have EditWar-s over. There are Too Few Wiki.

z2014-08-01- Caulfield Federated Wiki

My Intro Blurb:

This is the publicly-readable WikiLog Thinking Space of Bill Seitz (a Product Manager and CTO).

My Calling: to accelerate Evolut Ion by increasing FreeDom and Opportunity and AgenCy for many people via DAndD of Thinking Tools (software and Games To Play) that increase the LeverAge of Free Agent-s and smaller groups (Small World).

See Intro Page for space-related goals, status, etc.; or WikiNode for more terse summary info.

Beware the War On The Net!


Seeking: Product Manager-type position in established organization with entrepreneurial culture, local to Barrington Il or remote. My value: accelerating business-changing product development.



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