Annoyed with Both Mint & JustThrive
Dear Mint,
WTF is up with your investment shiznit? Every few months you seem to think it's a good idea that you put in my investment accounts TWICE so it looks like I have double the money I actually have. Then when I take them out, I can no longer compare myself against the S&P 500 or the DJIA b/c it looks like I WITHDREW the money - when in fact I just fixed your Eff-up. WTF? It happened again over the last day or two.
On the added side, now it also thinks I only have like 2K in my accounts b/c it thinks that my investments are only the cash I have in the accounts. So now the negative is like super huge. WTF?
Cheers,
LIP
Dear JustThrive,
WTF is up with the account updating feature? One of my accounts hasn't gotten updated IN TWO WEEKS. Why have I noticed? Oh, that might be because I paid off my credit card last month, and it still hasn't been updated. So all of last month's purchases are on it - and you keep telling me to pay it. I can't pay something that has a $0 balance! WTF? Also, WTF on the "health" score. Yet again, it changed 2+ points in two days. What the hell is wrong with your algorithm? Why can't I force my accounts to update? Why can I only look at three months of past spending data? Why are you limiting me on how I use the software, I'm not stupid, and I'm not 12. I'm an adult damn it, please treat me like I'm not retarded and will screw up everything if you let me use it.
I think I've figured you guys out JustThrive, I think you're targeting college students and not me. College students aren't always financially savy, most don't have investment accounts, most can't think more than three months ahead/behind. Most are looking for stupid savings like Cancun for spring break. Why then oh why do you try to confuse the rest of us by adding in features that appeal to us, if your target demographic is college students. Like, how much my retirement savings will be worth? I mean, come on.
Oh BTW Matt, I never said that the target you were working to win against had to be static. I thought of it more on the level of my brothers and I trying to beat each other at having more money in our retirement accounts. They keep adding money, and so do I. But I still try to beat them in how much money they have saved up. I don't think competition makes people unhappy and there aren't any studies saying that competition does make you unhappy. What makes you uphappy is not having no money - but being painfully aware that while you have no money other people have a lot of it. I think competition drives me to action more than telling someone to "like what I have." I know that if I'm unhappy I don't want to sit around and mope, I'd rather have a plan of action. If people were happy with their money and their financial situation - they wouldn't use your site. I would not liken it to video games - b/c in this case there is a moving target, not a static one. Plus, video games are for entertainment. Most people don't want the same movies 8K times in a row, because it's boring and they know what's going to happen next. Typically in your financial life, it's not always boring and you don't always know what is going to happen next, so I don't think people tire of it as easily as a video game.
Cheers,
LIP
I think the reason I get so angry when stuff doesn't work the way I want it to on these financial sites is b/c it feels as if the sites are screwing with my money. I know, I know, it's not actually moving my money around, and it's not doing anything horrible to it other than how it's displaying the results to me. But the first rule of biz, don't eff with someone's money.
So sorry to Mint & Just Thrive & Rudder, Wasabe and everyone else. But the expectations are a lot higher for you than most start ups b/c of the subject matter.
WTF is up with your investment shiznit? Every few months you seem to think it's a good idea that you put in my investment accounts TWICE so it looks like I have double the money I actually have. Then when I take them out, I can no longer compare myself against the S&P 500 or the DJIA b/c it looks like I WITHDREW the money - when in fact I just fixed your Eff-up. WTF? It happened again over the last day or two.
On the added side, now it also thinks I only have like 2K in my accounts b/c it thinks that my investments are only the cash I have in the accounts. So now the negative is like super huge. WTF?
Cheers,
LIP
Dear JustThrive,
WTF is up with the account updating feature? One of my accounts hasn't gotten updated IN TWO WEEKS. Why have I noticed? Oh, that might be because I paid off my credit card last month, and it still hasn't been updated. So all of last month's purchases are on it - and you keep telling me to pay it. I can't pay something that has a $0 balance! WTF? Also, WTF on the "health" score. Yet again, it changed 2+ points in two days. What the hell is wrong with your algorithm? Why can't I force my accounts to update? Why can I only look at three months of past spending data? Why are you limiting me on how I use the software, I'm not stupid, and I'm not 12. I'm an adult damn it, please treat me like I'm not retarded and will screw up everything if you let me use it.
I think I've figured you guys out JustThrive, I think you're targeting college students and not me. College students aren't always financially savy, most don't have investment accounts, most can't think more than three months ahead/behind. Most are looking for stupid savings like Cancun for spring break. Why then oh why do you try to confuse the rest of us by adding in features that appeal to us, if your target demographic is college students. Like, how much my retirement savings will be worth? I mean, come on.
Oh BTW Matt, I never said that the target you were working to win against had to be static. I thought of it more on the level of my brothers and I trying to beat each other at having more money in our retirement accounts. They keep adding money, and so do I. But I still try to beat them in how much money they have saved up. I don't think competition makes people unhappy and there aren't any studies saying that competition does make you unhappy. What makes you uphappy is not having no money - but being painfully aware that while you have no money other people have a lot of it. I think competition drives me to action more than telling someone to "like what I have." I know that if I'm unhappy I don't want to sit around and mope, I'd rather have a plan of action. If people were happy with their money and their financial situation - they wouldn't use your site. I would not liken it to video games - b/c in this case there is a moving target, not a static one. Plus, video games are for entertainment. Most people don't want the same movies 8K times in a row, because it's boring and they know what's going to happen next. Typically in your financial life, it's not always boring and you don't always know what is going to happen next, so I don't think people tire of it as easily as a video game.
Cheers,
LIP
I think the reason I get so angry when stuff doesn't work the way I want it to on these financial sites is b/c it feels as if the sites are screwing with my money. I know, I know, it's not actually moving my money around, and it's not doing anything horrible to it other than how it's displaying the results to me. But the first rule of biz, don't eff with someone's money.
So sorry to Mint & Just Thrive & Rudder, Wasabe and everyone else. But the expectations are a lot higher for you than most start ups b/c of the subject matter.
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