On January 7, Simple announced they will cease operations this year and transition all account servicing to BBVA USA. This is an intensely disappointing turn of events, but unsurprising after the November 16, 2020 that PNC is buying BBVA USA. Thus, an ode to Simple is due.

I started following Simple when they were still BankSimple, probably in 2010 or 2011. When I got my first job with direct deposit, it went to Simple. The customer service, especially early on, was top shelf. The mobile app and website were useful and provided actual insight into my cash flow.

Simple’s digital envelopes, called Goals, were killer. I was stashing money away for bills and travel. I could actually see what money was already spoken for, with the remaining dollars shown as Safe-to-Spend. Some people liked Goals that automatically pulled money from Safe-to-Spend each day until a target date. I preferred manually moving funds each payday.

Later, they added Expenses and Funding Schedules. With these two features, I could set up recurring expenses (car payment monthly, car insurance every 6 months, domain and webhosting annually) to have money automatically set aside on a regular basis (coinciding with my bi-weekly direct deposit). It was auto-pilot budgeting that actually helped me plan ahead and grow my savings.

Speaking of which, Simple introduced a Protected Goal for emergency funds – a goal that would not be affected if you tried to make a purchase your spending account could not cover. It paid interest at 2.2%, easily one of the highest savings rates available prior to the pandemic.

Simple’s banking experience is superior to every other bank or fintech company. I had built-in budgeting and analysis tools, mobile deposit, and even paper checks for the occasional time travel episode. No one comes close.

Well, it took some finagling, and still needs some adjustments, but I’ve modified the Attila theme so my Ghost blog somewhat accomodates microposts.

What do you get when our family, who doesn’t typically watch American football, has a Super Bowl party by ourselves? Green chile enchiladas, 7 layer dip, tres leches, rum balls, and turkey-pickle-cheddar rolls. And of course, coffee. 😋

Over the last week, I have been working on incorporating microblogging – short, untitled posts – into my new Ghost blog. This is some short documentation on how it’s currently set up.

First, I label each micropost with an internal tag, #note. This can be used to remove the title field of microposts from the post list and individual post pages, create a separate collection, and customize the RSS feed.

Title and permalink

I am using the Attila theme. In this theme, we need to modify /partials/loop.hbs and /post.hbs to do two things with microposts: 1) not display the title and 2) use the date as the permalink.

Here is the code to not show the title:

{{^has tag="#note"}}
    <h1 class="post-title">{{{title}}}</h1>

And here is the code for using the date as the permalink:

{{#has tag="#note"}}
    <a href="{{url}}">{{ date published_at format = "HH:mm"}} | {{date published_at format = "DD MMM YYYY"}}</a>
    <a href="{{url}}">{{date published_at format="DD MMM YYYY"}}</a>


You might prefer your microposts to be separate from longer posts. In this case, modify routes.yaml according to the official documentation.

It might look something like this:

    permalink: /{slug}/
    template: index
    filter: tag:-hash-note
    permalink: /notes/{slug}
    template: index
    filter: tag:hash-note

RSS feed

For the time being, I have chosen to keep all my posts in one feed. Here’s the official documentation on Custom RSS.

My routes.yaml includes:

    template: custom-rss
    content_type: text/xml

And my custom-rss.hbs template looks like this:

<rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:media="http://search.yahoo.com/mrss/" version="2.0">
        <title><![CDATA[ {{@blog.title}} ]]></title>
        <description><![CDATA[ {{@blog.description}} ]]></description>
        <lastBuildDate>{{date format="ddd, DD MMM YYYY HH:mm:ss ZZ"}}</lastBuildDate>
        <atom:link href="{{@blog.url}}" rel="self" type="application/rss+xml"/>

        {{#get "posts" limit="all" include="tags"}}
            {{#foreach posts}}
                    {{^has tag="#note"}}
                    <title><![CDATA[ {{title}} ]]></title>
                    <link>{{url absolute="true"}}</link>
                    <guid isPermalink="false">{{id}}</guid>
                    <pubDate>{{date format="ddd, DD MMM YYYY HH:mm ZZ"}}</pubDate>
                    <content:encoded><![CDATA[ {{content}} ]]></content:encoded>

When I was customizing RSS, there were two simple mistakes that took me a while to realize. One, YAML syntax is particular – you must put /rss/: on the line immediately under routes:, and you must use two-space indentation correctly. Two, the template must be in the correct folder.

If you want to learn more about microblogging, start here.