Our Society Needs Financial Discipline

It’s important that we stress the importance of financial responsibility in our society.  One way to promote this idea is to encourage the use of tools such as the PaymentBot Payment Calculator tool.

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The founder of human resources, Dale Carnegie, once wrote that everyone does things out of a position of “What’s in it for me?”  While this viewpoint may seem cynical, it is one of those concepts, that no matter how manipulative it might seem, is true whether the people want it to be or not. If someone wants to know why they should use a paymentbot application, they will ask themselves what they expect to get out of the particular application.

When someone decides to write this application for other users, he needs to put themselves in their place for a moment. This is often one of the most difficult things for an application developer to do. After all, the features an application developer loves do not always match up with the features users want.  Users expect unreasonable things like graphical user interfaces and ease of use.  Programmers often follow what they refer to as the law of least astonishment. This simple law means that a program should behave in a way that astonishes the user the least.  Unfortunately, a PaymentBot also falls into this category.

Fortunately, people do not expect much out of a paymentbot. They expect to plug in a few simple numbers, such as the interest, the principal, the interest rate, and the length of the loan. They expect the program to include bank fees and legal fees. Most importantly, they expect the final number to occur when they press the button. While it is true hat a user can do all of this in Excel or his favorite spreadsheet program, most people will not go through that trouble. They will simply use a predetermined app that does not require them to enter complex or even simple mathematical formulas. The user expects convenience from these programs, and he usually gets it.

Further Readinig

Is VPN Safe ? A Study in Security by Helen James.