stephenhuey

They are starting their own bank!

https://www.retailbankerinternational.com/news/occ-grants-co...

https://www.linkedin.com/posts/mercuryhq_big-news-not-a-bank...

Didn't know about FUTO before today, but loving what I'm reading about how you'll never abuse your customers or sell out to a monopolist!

https://futo.tech/about

Right. In a global financial services organization, a strategic analysis app used by thousands of internal users was pretty high touch. SME business analysts would sit with the users to make sure they liked it and had no trouble. Every user generates significant revenue. Worldwide B2C is a different ball game, and Google barely makes money off of each individual user.

Very insightful. I've worked in only one company of Google's size, but it was a vastly different industry. I personally never got to speak with a user on a massive internal application my team worked on for years. :)

Throughout my career, I've almost always been close enough to the user that I hear about it quickly when something is wrong. It's a tough problem that so many Google engineers are typically so far removed from end users. Or maybe it's just that a small part of the company has long subsidized the rest of the employees to the point that it doesn't matter how good their work is because they'll get paid anyway.

Bringing up Google Maps here does nothing for your point because on web or native mobile you pay money to use the API for Google Maps (outside of the store fee). Offering a free version to end users does financially benefit Google.

There are numerous examples of people needing a smartphone to do things in their daily lives. I’ve read compelling stories of people who ran into trouble after ditching their smartphone.

There are lots of parallels to the railroad monopolies. Choice is not as available as you say it is.

Good point. Most of us at the conference are still trying to make a living with Rails. That's not a concern for him. Can he remember what it was like to have to do that? Probably, but he feels very differently waking up each day than the rest of us.

Here is the description for the Rails World 2026 Opening Keynote:

"Opening Keynote highlighting what's new in Rails, what's coming next, and where Rails is headed in the future."

DHH literally did not cover that. Not even close!

The first response in the conference chat described it as the "worst opening keynote possible to setup the Rails World conference." While someone soon disagreed with that, another guy later said he felt it undermined the later talks, and someone else said the Laracon conference had more about what the framework is doing in the AI age. He barely mentioned Rails. I get how he was excited about his experiments but I certainly wish he had focused more on what Rails is doing for this new era.

Here in Houston, my friend who works at UH has excellent insurance. A quick search online confirms that it is much better than average. Different structure for employees at Rice, my alma mater, but still excellent. Gemini describes these employees being in a kind of "benefits bubble" here in Texas, and they're getting something way better from what most Texans get.

You said FAANG, so perhaps you're in California, a state that has laws regulating health insurance to an extent that make it unique in the USA?

Around the turn of the century, my grandmother lamented how Wal-Mart had ruined the shopping experience in her small town. When the local hardware store and other stores closed, she ended up only with Wal-Mart where she said the employees didn't know anything and couldn't really help you. Anecdotal, I know, but this is a common refrain throughout the country, that by using their monopoly power they're able to undercut local businesses until they go bankrupt. The assumption is that we're left with is a net win due to lower prices for the consumer, but let me tell you another story.

An older relative had a very successful small conglomerate of businesses. One of them manufactured something costing close to $100 that Wal-Mart was interested in selling in its stores. After extensive negotiations, my relative told the Wal-Mart VP no because Wal-Mart was pressuring them to use cheaper parts that would make the product wear out more quickly. Wal-Mart didn't care because they'd be able to make the sales and then consumers would come back to buy again sooner, but my relative felt that was dishonorable. The VP said it was the first time a potential supplier ever walked away from him. They are notorious for their abuse of suppliers, and the ethical concerns are often very palpable. You might suggest this is simply market forces playing out, but we decided long ago that monopoly power often leads to a market we don't want to see in this country.

We the people get to decide what kind of society we want to live in. Their monopoly power means that in so many of the rural areas where they are, they might be one of the few viable employers. When people are poor, it's not so easy to just tell them to relocate to another geographical area, so it's easier for the entities benefiting from that to maintain the status quo at the expense of others. If we decide that for Wal-Mart to stay in business in the USA they need to pay employees more, with health insurance, then so be it. If they can't, then they can just go out of business and be replaced by a company that is able to navigate that balance better, offering pretty low prices while paying a bit more in wages.

California is the only state that regulates wait times for specialists. When you uttered the words "Bay Area" it signaled that you enjoy better service than most Americans. I know people in states very close to yours (as well as my own) who have had extensive wait times.

FAANG employee health insurance? Something like 1% of American workers get that, if even that many. Then throw in my oil company friends here in Houston and a few other industries which give premium benefits and you still have a tiny subset of the American workforce getting exceptionally strong benefits. Not at all indicative of the experience of most Americans.

Urgent care would not be urgent if you had to wait months. Hang out with a few elderly people who actually need to see specialists more than people like me. Over the years, I've heard plenty of stories from people I know waiting multiple months to see specialists.

When I was at Rice a quarter century ago, I took a 300-level linguistics class called Structure of English. Half a dozen of us sat around an oval table in a little room and I was the only one not majoring in linguistics. It was a delightfully geeky bunch. One of the students later worked on speech recognition at Microsoft. The professor was an older tall thin man who always wore suspenders and a bow tie.

I had always been good at grammar in high school, but this was a different world and I had no idea what I was in for. We spent the first two weeks discussing the differences between the and a, and the next two weeks on the differences between this and that, and the rest of the semester felt more abstract. It was quite illuminating for me.

Safari on MacBook Pro sees the time text wrapping in such a way that when the time is pushed to the next line, it literally overlaps partly with the "Total Time in space" label. The time is halfway up the letters of the label.

And these are the biggest ads I've seen obscuring a webpage in a very long time!

I wonder how many trillions in GDP we missed out on due to them building a monopoly in the browser space and then abandoning it. You can't imagine how happy I was in 2005 when Microsoft announced they were resuming development on IE. I was already a fan of Firefox by that point, but a lot of web dev was such a drag because you couldn't just use modern browser features--you had to accommodate all the users still browsing with that dinosaur.

Here's an archive of their momentous blog post:

https://forums.anandtech.com/threads/ie-update-to-debut-ahea...

They shipped a beta later that year, but the full release arrived in late 2006. That was 4 years since their prior release, an eternity in those days!

Definitely makes sense for a large org with massive resources (such as Shopify) to do this. But for everyone here pondering what to use for their startup or a smaller project, there are still important trade-offs. In the past few years I've launched multiple cross-platform Flutter apps and multiple native iOS and Android apps using Jumpstart iOS and Android (native templates from the GoRails guys which leverage web views from your Jumpstart Rails server). The latter gave me web, iOS and Android out of the box and was vastly less costly to build, even with AI. For entrepreneurs who like Ruby on Rails, Jumpstart is my favorite for launching rapidly, and since the mobile apps are easy-to-modify iOS and Android projects, it's designed so you can either add more custom Hotwire Native Bridge Components or just write Swift and Kotlin to replace functionality with native code. Eventually you could write away all of the Jumpstart webview stuff, but you'd only do that if you had more runway, like if you have plenty of time or you start making lots of money. I've worked for clients whose ideas failed--not because of my code, of course. :)

It's better to find out quickly if you can get traction rather than building something requiring more maintenance. For most bug fixes or enhancements, you make them in the Jumpstart Rails side and they should up instantly in the mobile apps without going through app review again! Most projects are not being built in companies the size of Shopify, so I caution anyone who wants to just get the project out there to use platforms that give them more leverage. And no, I'm still not a fan of low-code or no-code, because I know what it's like to have to maintain apps over many years.

Oh, and I still always warn clients to stay away from native mobile unless they absolutely need it, because even with AI, maintaining just a web app is still light years faster, and far more pleasant. I know from very, very, very recent experience that testing subscriptions is still annoyingly cumbersome in the flaky Apple and Google sandbox environments, and Stripe for web apps is night and day easier to test. Testing on mobile is better than it used to be, but sometimes when I'm waiting for builds onto a physical device or for confusing settings in App Store Connect or Google Play Console to take effect (or just fine where they've been moved to), I think about how a manager 20 years ago was telling me how slowly his development lifecycle was when he used to burn software onto ROM chips. So web is still the way to go, and native mobile only if you absolutely have to. And if you have tons of time or money, sure, start with plain native.

Edit: As a web developer for decades, I still find both Jumpstart iOS/Android and Flutter to be preferable to React Native.

Far out, dude! Have I got a story for you! This one time, I saw tons of high-speed metal on wheels recklessly do that, too!

I’m a native Texan, and I can deign to go to Austin for a couple days even though I live in a much bigger city in Texas which has delicious food from far more countries than Austin does. Plenty of Texans, and plenty of room for people from everywhere.

He’s still very supportive of Rails. Come join us at RailsWorld in Austin later this month and see for yourself!

Some good info, but some kind of simplistic. I lived in Nigeria for the second half of my childhood in the 80s and 90s and got malaria several times. People come down with it all the time, and typically treat it, and you can recover without treatment also. Most people die from sickle cell anemia when young, but I know multiple outliers who have lived to middle age, and they might live longer yet.

It's easy to test for malaria, if you actually think to test for malaria. In the 90s, we used to hear wild stories from people we knew who would come down with malaria shortly after returning to the USA and doctors and nurses would freak out not knowing what to do about it, and the medication would be expensive to obtain, so the conventional wisdom was also to remember to take a few pills with you on the plane back to the USA!

It's sad but unsurprising that no one was able to treat these German workers in time. When I was a child, there was already talk of strains developing resistance, and this has gotten worse in the 21st century, and the airport workers caught the most deadly strain:

https://www.theguardian.com/world/2026/aug/27/malaria-outbre...

I will be clear: I don't want to stand in line for 3 hours at Frankfurt with a MacBook Pro and a million other things in my backpack to be offered only a faraway hotel I don't want, no vouchers or cash, just take it or leave it, and no other compensation, and my luggage being lost for literally 11 weeks.

My understanding is that a portion of net profits might go towards rewarding shareholders through buybacks (bolstering the stock price), but most of it is reinvested into the business, i.e. exactly what you are saying you wish they would do. A windfall enables them to purchase more aircraft and pay down debt accumulated in the years they do not make much in profit, of which there were many in recent history. Is it too much profit? I don't know, but they're spending over $7 billion in capital expenditures this year.

I'm not sure what to say to you wanting them to have better tech. I wrote code for a major shipping company over 2 decades ago, and it's impressive to me that airlines mishandle bags at a far lower rate (under half a percent) than UPS and Fedex which usually are around 3-5%. I'm not a logistics expert. Will things get better with robots or something? Time will tell.

Sorry man, your "just goes to show" ain't gonna cut it. Yes, I want better perks when the going gets rough, but it's not enough to blame only the c-suite and shareholders. This isn't software dev. Prior discussion on the article I shared in the other comment:

https://news.ycombinator.com/item?id=48025282

Wow! Simp?! What a word. A wrong word, though. So very, very wrong.

Would you prefer I spend some time telling my personal horror stories? Or should I point out that while a meaningful minority of those profits have recently been going to buybacks (a billion or less) which do benefit shareholders and executives to some degree (although a lot of executive compensation is already paid before we're looking at net profits), most of those are going to the needs of the airline which operates in a very capital-intensive industry. They have do do things like, y'know, BUY AIRPLANES. A bit pricier than those MacBooks a typical SaaS is purchasing. Apparently, after the industry was deregulated, it made it very difficult to keep some routes stable, and the article calls into question whether you can actually have a free market ever reach equilibrium or if the strange nature of this particular industry will always be pushing one of the players towards bankruptcy.

Of course, you only performed a cursory look. Perhaps if you had put in a little effort, you'd realize you didn't just singlehandedly fix the airline industry!

That link I shared was not some random, cursory look at the biz. I felt I learned a lot from it. I'm not able to verify whether the conclusions are accurate, but if they are, it sounds like the business has some pretty unusual problems, and where to go from here is not at all clear.

Airlines are quite a special case. Learned a lot from this a few months ago:

https://davidoks.blog/p/why-airlines-are-always-going-bankru...

I've had plenty of bad airline experiences and wished they gave me more for my trouble, but clearly they are unable to at current margins. If you want the market to provide a better service, it already does: you can pay tons more to fly private, either a charter or your own jet you purchased!

As many have pointed out, a lot of daily community activities are conducted primarily through Meta-owned platforms. Quite annoying, but maybe there wasn't enough effort earlier to get all these schools and other community groups using other tools to get the word out?

However, companies could en masse decide to start filtering resumes containing Meta employment history. This already happens with some other questionable industries when reviewing applications. I know I'd be hard pressed to hire anyone with a Meta background.

Blue Bell is a real half gallon.

Probably so, since the article text does not even mention Switzerland at all! And from what I can find, Poland is ahead of Sweden but not Switzerland (currently neck and neck with Switzerland).

Non-paywall alternative:

https://www.engadget.com/2231100/meta-apps-displayed-ads-tha...

Are you Swiss? I'm no expert but from talking to Swiss people, their mortgage system is very different from the American one, and people are in no hurry to pay off their mortgages, and often they're never really paid off. Americans might find that appalling but the Swiss people I've spoken to find it normal. Tax incentives also help with this.

A few days ago I visited the little picturesque town of Hope, British Columbia. While driving down the Main Street, I saw a dozen chainsaw carvings of wildlife. I thought, why does that one look like Rambo? Found out the first movie was filmed there in 1982. The movie took place in the fictional town of Hope, Washington. When the movie begins, you see Sylvester Stallone walking into town under the real “Welcome to Hope” sign that was in the Canadian town at that time.