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Banking should be Simple

Simple is changing the way you will bank and it will change the entire industry. 

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I’ve yet to meet a single person who will give me a raving review about the company they bank with. Sure, there might be a few things the bank does well. Or a clerk that takes care of customers and is pleasant to deal with. But those statements are always followed with a statement covering the downfalls of that bank. Whether it’s excessive fees for no apparent reason other than charging a fee, or lack of Online bill pay there’s always something to complain about when it comes to banking.

Technology has a way of disrupting entire industries, flipping the business norm on its head and making people rethink how a particular industry should work. Just look at the pushback the popular taxi replacement service Uber has received as it launches in new cities. That list includes Denver where it’s fighting new targeted legislation that would put it out of business. Big business is afraid of change.

One industry primed for disruption is banking, and Simple is the company that plans on using technology to do make it happen.

Simple is a bank, but not in the classic sense. The only way to deal with Simple, be it depositing money, making a payment or balancing your account is to open an app on your smart phone. There aren’t Simple branches across the country in grocery stores and strip malls filled with unhappy employees. There’s a Web site, an Android app and an iPhone app. That’s it. If you want to deal with Simple, those are your options. And in our connected world, do we really need more than that?

At first, the idea of not having a branch to visit incase you really need something is a bit of a shock. But then you realize that you can get ahold of a real person, not an automated service, 24-hours a day 7-days a week by picking up the phone and dialing a phone number. Or if you’re shy and would rather communicate in a text message-like thread, Simple allows for that too.

Since there’s not a branch for you to visit when you need to deposit money, Simple has built check deposit software into the app itself. Simply (no pun intended) sign the check and include your account number on the back and then take a photo of the check. The entire process can be carried out from anywhere your smart phone has a signal. And of course Simple supports direct deposit from your employer, as most older banks do.

The thought of not having a physical branch to visit while a shock and a big change from the status quo isn’t something that will disrupt the banking industry. Where Simple really sets itself apart from traditional banks is its no fee approach. You won’t find ATM fees, transfer fees (excluding International transfers), over-draft fees, minimum balance fees or any-other-type of fees you can think of when you’re a Simple customer.

Simple is absolutely free.

In a time when most banks are trying to find ways to nickel and dime customers, creating new fees to increase its own revenue stream, Simple is giving banking customers a free alternative. And it promises to stay that way.

Alright so far we have free banking, no branches, smart phone apps and real people on the other end of the phone. All of which are great improvements over the current banking system, but there’s still more that can be done.

Simple allows users to tag, and categorize transactions. When you buy something from Starbucks, you can tag it with #coffee or a similar tag and at any given time you can view your spending habits for the tag. This tagging feature many not sound like a big deal, but once you’re adjusted to tagging transactions I don’t see how you’ll be able to go back to a normal bank statement.

After you begin using Simple you’ll have a feature called Goals enabled on your account. Goals allows you to set aside money for a specific reason. One example would be to buy a puppy. You can enter “buy a puppy” as your goal on the site, a dollar amount and the date you’d like to have the money set aside for it. Simple will then take your goal and make it happen. Every day you’ll see a set amount of money taken out of the “Safe to spend” category and put into the Goals category.

If you get into a bind and need the money you’ve set aside to pay for something, you can always spend it, but a psychological barrier is formed in your mind when you see money broken up into a safe and unsafe category; making it less likely you’ll spend past the safe zone.

What would a modern bank be without some sort of bill pay? Since Simple only provides its members with a debit card, and no physical checks, you can send checks to individuals and businesses in just a few taps on your phone. Again, there’s no fee for Simple printing off and mailing a check on your behalf, it’s just one of the many perks of being a member.

In the past I have ran into issues with banks having to mail a bill pay check for my because the business didn’t accept electronic payments. I would send out the check, marked for the due date, and that would end up being the day the bank sent the check. This would result in late fees and monthly calculations of when I needed to send the check for it to be received on time. With Simple, you let it know what day the bill is due on, and the check will be there on that date.

All of these features combined make for an appealing banking experience. There are shortfalls the company will have to overcome, such as the inability for members to deposit cash, and the lack of joint accounts (or a savings account if Goals just aren’t your thing), but it’s on the right path. Still in an invite only phase, you’ll have to visit Simple.com to sign up and wait to gain access. Or if you bump into me around town, ask if I have a spare invite to send you.

I waited 7 months for my invite to arrive, and it was well worth it.

One more thing...

Local and independent journalism is under threat in the West and you change that.  With corporate raiders slashing newsrooms across the West, the PULP is one of the "Last Locals" in Colorado to produce original, compelling journalism missing in today's profit hungry world. But that costs money, time and hard work. We don't believe in spamming you with ads or putting up restrictive paywalls and that's why we need your help.

For every contribution, we put 100% back into producing original and amazing journalism. That's a promise only a local and independent newsroom can promise. Take heart because you will fuel stories just like this one and the future of journalism.
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Arts & Culture

Mecheagle v. Rising Sun Robot

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USA Versus Japan

For American robotics company MegaBots and Japanese company Suidobashi it’s battle time. Punches will probably be thrown.   

In 2012, Suidobashi developed a giant robot called the Kuratas, which stands over 13 feet high and weighs just under 10,000 pounds. It can be manned by one person, and features a full heads-up display and an advanced targeting system, or can even be controlled remotely. Costing a bit over $1.35 million, the Kuratas was first revealed three years ago with no opposition in its field, making it the first ever robot of its kind.

Fast forward three years.

Only the most American of ideas conceivable would happen. MegaBots decided they would build their own giant robot, and challenge Suidobashi to a battle that was, until now, only a spark of imagination in our minds. The challenge went viral after being posted to YouTube and was soon seen by Suidobashi.

“We just finished tightening the bolts on the Mk. II, America’s first fully-functional, giant piloted robot,” the makers said in the video. “And because we’re American, we’ve added really big guns.”

After throwing in some details about the features of their robot, as well as details regarding the Kuratas, the team members did the inevitable.

“Suidobashi, we have a giant robot, you have a giant robot… You know what needs to happen,” after which the challenge was offered. America’s MegaBots picked a fight.

In Suidobashi’s response video, Kogoro Kurata, the company’s CEO, replied with several mocking retorts, such as “Come on guys, make it cooler. Just building something huge and sticking guns on it. It’s… Super American.”

Kurata goes on to say: “We can’t let another country win this. Giant robots are Japanese culture.”

The video ends with a message telling MegaBots to arrange the duel, and that Suidobashi will be there. But in order for it to be a real duel, the robots need to have some form of malee combat. The battle is expected to take place sometime in the summer or fall or 2016.

Now, while this may sound like an aggressively playful jab between giant robot companies, many predictions have begun circulating around regarding just what, exactly, this means for the future of giant fighting robots.

Until now, the only field in which robotic technology has received major attention has been in the medical field, which almost creates a comedic tone of irony. Medical robotics have been designed and intended to help people who are in the hospital, and now these two companies are in an arms race to design robots that could easily hospitalize people, in what has become one of the biggest public relations events in the history of robotic technology, especially considering how well-accepted and spread around it has been by social media.

MegaBots speculations suggest giant robots fighting could become the next huge worldwide sport, which, much like UFC or WWE, would be filled with an enthusiastic sense of danger and excitement, minus the actual injury of humans.

Giant robots would also have different limitations than what humans can, causing the style of the fights to be vastly different from traditional fighting-related sports. Robots can fire projectiles from their arms, withstand explosions, be loaded up with a wide array of equipment, and can be reassembled after being destroyed – or, at least, another one can be made to look like the first.

Much like Kurata said in Suidobashi’s response video, the fascination with giant robots fighting one another originated in Japanese culture, most noticeably in manga and anime. One of the most famous of all being the Gundam series, which is easily recognizable by anime fans worldwide for its giant robots (more commonly referred to as ‘mechs’) that fight each other with a mixture of sword fights and gun battles.

Some anime fans may remember a show from year back called IGPX, or, “Immortal Grand Prix” where giant mechs would race along long and convoluted tracks to a finish line, while fighting against an opposing team that would try and get there first.

Looking at the current models for the Mk. II and the Kuratas, both robots have armor, wheels and weaponry, meaning that to see them fighting and racing is, by no means, out of the questions. It goes without saying that, even if their dispute is only aimed at the purpose of entertainment, MegaBots and Suidobashi may be making history as the pioneers of what could be the next biggest sports in world history.

One more thing...

Local and independent journalism is under threat in the West and you change that.  With corporate raiders slashing newsrooms across the West, the PULP is one of the "Last Locals" in Colorado to produce original, compelling journalism missing in today's profit hungry world. But that costs money, time and hard work. We don't believe in spamming you with ads or putting up restrictive paywalls and that's why we need your help.

For every contribution, we put 100% back into producing original and amazing journalism. That's a promise only a local and independent newsroom can promise. Take heart because you will fuel stories just like this one and the future of journalism.
Continue Reading

Digital PULP

Watching people game: Twitch TV

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At first glance the name Twitch.tv comes across as more confusing than intuitive.  Something in the realm of a drug side effect than a popular video site. Honestly could you guess that everyday on average 4 million viewers watch over 2 hours of content from it? Content being basically live streams of someone else playing a video game? That’s more viewers per week than Breaking Bad, Preseason NFL, and tosh.0 combined. It’s pretty astonishing if you ask me.

In just a few years the live video streaming service has gone from an interesting niche idea to clogging the internet like a boss. It joins Netflix, Apple, and Google in peak internet traffic claiming 1.8% just above Hulu at 1.7%. There’s also the business aspect of streaming which isn’t just for the hobbyist. Professional streamer Jeffrey Shih told Forbes that the best streamers can bring home upwards of $100,000 on their streams alone. That’s some serious cash for just “sitting around playing games”.

What’s also serious is how Twtich.tv started. Twitch was origionally called Justin.tv and started as the personal site where Justin Kan would lifecast to the world. Lifecasting involved streaming events over the internet usually point of view style. It meant wearing head mounted cameras giving the viewer a very personal and entertaining experience. This concept transitioned over into Twtich.tv by allowing anyone with the right hardware to stream live gameplay over the interent. This last February Justin.tv was dropped in favor of building Twitch 100% and pushing it into the mainstream.

So when your internet speeds start to dip in the evenings after everyone gets home you’ll might be able to blame live streaming.

Strangely enough though this service isn’t exactly on the western radar yet being adopted more quickly by the European and Asian countries. It wasn’t until about six months ago when Google pondered the idea of buying Twitch that it started to really get noticed. Plot twist however Amazon just snagged it for a cool $970 million to add to it’s ever growing portfolio of world domination. It seems as if gaming as a spectator sport is coming to fruition and quickly thanks to huge investments of cash from the tech giant. If they are printing that kind of money you can bet they have a plan for the future, and hopefully it benefits all gamers whether professional, hobbyist, viewer or streamer.

The best streamers can bring home upwards of $100,000 on their streams alone.

The numbers are there and the cash is flowing in, but the biggest question most ask is “why should I care”?

Why indeed. The idea of watching someone else’s game seems pointless. With today’s hardware being so affordable and customizable why on earth would you waste your time watching someone else? Shouldn’t you be playing yourself?

Interestingly enough this is where Twitch really shines. It’s not just about the content but also the micro communities. Built in chat, custom emoticons, giveaways, and other channel specific benefits give viewers a reason to come back daily. That and the content is always new, even if it’s just picking up from the save game the day before.

Steamers can have real time interaction with just a handful of viewers up to hundreds of thousands. The audience can interact and change what they are watching by just commenting. Giving a community aspect above and beyond traditional television or other video sites like YouTube. Gamers have even quit their full-time jobs where they try to make it off revenue from YouTube and Twitch

Over the next few years, with the help of eSports and gaming colleges, you will probably see the entire gaming sector sky rocket. Gaming talk shows, professional tournaments, and overall quality of content is growing by leaps and bounds every month.

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Twitch much like Vine, Twitter, Instagram, and other social networks doesn’t make sense to outsiders. However gaming, like every other social medium thrives off personal interaction and just moved to the digital realm. Watching others play games may sound boring, but when you think about it, isn’t that was we did as kids? In our parent’s basement watching our friend make an incredible run on Sonic the Hedgehog. All that’s really changed is now your couch can seat thousands of friends from all around the world.

It’s a good time to be a gamer.

One more thing...

Local and independent journalism is under threat in the West and you change that.  With corporate raiders slashing newsrooms across the West, the PULP is one of the "Last Locals" in Colorado to produce original, compelling journalism missing in today's profit hungry world. But that costs money, time and hard work. We don't believe in spamming you with ads or putting up restrictive paywalls and that's why we need your help.

For every contribution, we put 100% back into producing original and amazing journalism. That's a promise only a local and independent newsroom can promise. Take heart because you will fuel stories just like this one and the future of journalism.
Continue Reading

Digital PULP

The $299 NVIDIA Shield Tablet: not just for Gamers

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You can think of the Shield Tablet as a technological utility knife. Not one of those cheap chinese knock offs you’d get at a flea market, but something from the future with lasers and maybe a chainsaw option. Something that would make Dr. Who or maybe even Tony Stark envious. Alright maybe not quite that awesome but it’s still pretty sweet. All jokes aside it’s able to run high end mobile games, stream PC games, connect to your HDTV, watch movies, listen to music, browse the internet, stream to Twitch.tv, make video calls, take notes, draw works of art, hack your neighbors WiFi, post social updates, and more… much much more.

All of these features are thanks to the great specs inside. Now I’m going to have to get nerdy for a bit so brace yourselves (feel free to glaze over this part if specs aren’t your thing). It has 2GB of system memory, 16GB or 32GB of internal storage, a microSD slot supporting up to 128GB, mini HDMI out for console mode supporting up to 4K, an 8in full 1080p HD display (275ppi), a 3.5mm headphone jack, a 5-megapixel front camera and 5-megapixel rear camera, a built in stylus for drawing and note taking, built in 802.11n 2×2 MIMO Wi-Fi, a quadcore 2.2GHz ARM A15 CPU, and of course the main feature of the tablet the 192 core Kepler GPU. Not bad for only being 9.2mm thick and 390 grams.

“If some of that went over your head it’s ok, just imagine something along the lines of an overclocked PS3 flattened to a pancake and shoved under an 8in screen.”

“Our three-person startup has grown to 8,000 staff across 40-plus sites.” – Nvidia Blog

Now before I get into the main details of the tablet let me explain a bit about Nvidia as a company itself. Over the last 20+ years they have influenced our daily lives by: continually evolving the GPU, helping Holywood make awesome movies, powering the world’s fastest supercomputers, creating proprietary console GPUs, powering smart gadgets and vehicles, and even helping save lives through GPU based medical advancements. I’d venture a guess that everyone in the last year alone has watched at least one movie or played a game that was powered by Nvidia tech. At it’s core Nvidia is a gaming company though, and no matter how many ventures they expand into gaming will always be a primary focus for them. Hence the move to making an Android based gaming tablet. Nvidia wanted something to upset the balance of mobile gaming and show that console quality games can be played on the go.

Android Gaming: This is where the tablet really shines. I loaded up some of the newest mobile games like: Modern Combat 5, Asphalt 8, Trine 2, Rochard, Dead Trigger 2, Defenders, Bounty Arms, Half-Life 2, Portal, Deus Ex: The Fall, and Dungeon Defenders just to name a few. Needless to say everything ran great. Fast fluid framerates, faster than normal load times, and the ability to run everything on max settings makes for a great experience. Touch screen games look and play awesome on the 8in screen. However the tablets best experience can be had through it’s library of controller supported games.

Shield Controller: This truly is a game changer for the mobile market. The controller feels good in the hands and sports some neat extras like android navigation buttons, a touch pad, volume rocker, built-in microphone, rechargeable battery, and 3.5mm jack for a headset. The analog sticks and D-Pad are what you would expect from a gaming controller and leagues ahead of any bluetooth options on the market. The addition of native android buttons are a nice touch and help more than you would think. The touchpad is a neat option allowing you to navigate non-controller supported screens more easily. The built in microphone is great for giving voice commands or recording over gameplay while streaming. Lastly the headset port on the top allows you to plug in a headset and not only hear all the audio from the tablet but stream voice back if you prefer a higher quality mic than the built in one. It will cost you an extra $60 so it’s not for everyone, but I recommend it if you want the full gaming experience. It’s money well spent, and I’m debating on buying more for multiplayer games.

Gamestream: This is actually a really neat feature that most will probably never use. Basically you can stream your PC games to the Shield Tablet anywhere you have a fast/stable connection. It requires a GTX600 or higher equipped PC and that can cost you almost as much as the tablet itself if not more. If you meet the requirements it’s a great add-on and being able to access your library of games from anywhere is a lot of fun.

GRID: Simply put this is like having a gaming PC in the cloud. Nvidia setup a huge server cluster in California that streams a select library of PC games to your device. It’s still a beta feature currently so it’s free for every tablet user but is limited to only the games they have loaded. From my tests it runs great and almost better than local Gamestreaming even though I’m in Colorado. There’s not a roadmap for the GRID service but I’d like to see them add support for Steam so I can load up my games and saves. I’d gladly pay $10-15/month to have my own personal gaming rig in the cloud. Paired with 4G LTE this could be a game changer but right now it’s just a neat feature to try.

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Shadowplay: This is Nvidia’s fancy name for local recording. You can record anything you do on your tablet and stream it straight to Twitch.tv or save it for editing later. I’ve been putting this to the test by recording lots of gameplay videos which you can view on my youtube gaming channel. It has multiple options for quality that goes all the way up to 1080p. Thats right you can record 1080p games right on the tablet. If you’re into adding your voice and face while you play you can do that too. The interface is simple and quickly accessible from the controller or settings dropdown.

Direct Stylus 2: You read that right this tablet is sporting v2 of the direct stylus tech! Although it’s ok if you didn’t know there was a v1. Basically Nvidia managed to tack on a sensitive and low latency stylus thanks to the power of the Tegra GPU. The built in apps like Dabbler really show off the power of it, but you can use your favorite apps that you would say on a Galaxy Note 3. It works well for taking notes and drawing but isn’t going to replace your Wacom or pen and paper anytime soon.

Pros:

  • Fast…. really fast. Currently unmatched in the mobile realm.
  • It’s a full featured tablet running stock android.
  • HD Screen! Slightly larger than 1080p.
  • Plays every game thrown at it and has K1 exclusives.
  • Can stream full PC games from GTX enabled machines.
  • Comes with a stylus for drawing and note taking.
  • Doesn’t cost an arm and a leg like most of Nvidias new tech.
  • Console grade low latency wireless controller (supports up to 4).
  • Micro SD storage expansion up to 128GB.
  • Built in mini HDMI out for a true console experience.
  • Twitch.tv streaming right from the tablet.

Cons:

  • “Squishy” (hard to use) power and volume buttons.
  • Controller must be purchased separately.
  • Can’t turn on/off tablet from the controller while sitting on the couch (might be fixed through software)
  • Desktop class GPU means lower than average battery life when running high end games.
  • Swiss army knife of tablets (might be too many options for normal consumers)
  • Bugs… too many options means lots of bugs.
  • Quite a few of the first batches have heating defects.
  • Below average WiFi range (this is a bummer).
  • It doesn’t have a “lower case I” or an apple on it.

All in all I’m extremely happy with this tablet. After just a few weeks of daily use I still reach for this over any other device. If you consider yourself a gamer this is an obvious purchase and if not for $299 what are you going to find that’s better?

One more thing...

Local and independent journalism is under threat in the West and you change that.  With corporate raiders slashing newsrooms across the West, the PULP is one of the "Last Locals" in Colorado to produce original, compelling journalism missing in today's profit hungry world. But that costs money, time and hard work. We don't believe in spamming you with ads or putting up restrictive paywalls and that's why we need your help.

For every contribution, we put 100% back into producing original and amazing journalism. That's a promise only a local and independent newsroom can promise. Take heart because you will fuel stories just like this one and the future of journalism.
Continue Reading

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