As a part of online banking, being able to spawn temporary pseudo accounts, where I could transfer, say $150 a month over 6 months to cover an upcoming one time payment of an auto premium for example.

You would get the benefit of prepayment discounts and an accurate financial picture when looking at your main account.

I think some semblance of this exists for certain online banks but I have enough momentum with my current bank that I wouldn't switch just for that.

I am using similar thing with two checking accounts & an excel sheet.

Account A gets all salary in. Account B is expenses. Zero Balance. Excel sheet has column for each expense, like Insurance, Phone, Internet, Car, etc. If I need to put $100 for Car, I send it to Ac B, & make an entry in Sheet with first column as Date, & Car's column as =100. When over time I spend that $100 or anything from that account, I log it as =-100. Kind of envelopes.

> You would get the benefit of prepayment discounts and an accurate financial picture when looking at your main account.

I've been using YNAB for a few months and it's perfect for this. I used to park large sums in different places to keep track of what was what, but since I just track it all in YNAB now I can happily park most of my cash in a HYSA.

It pays for itself!

I wish there was a way to find tools, products, SaaS services.

There are so many cool tools and micro-SaaS on the internet but I always browse by and when I need them later on it’s impossible to find again.

producthunt maybe?

Not answering the question, but https://opensource.builders/ does list sufficiently well ran and living projects you can self-host.

You can look at the categories to see where the gaps are.

As a Linux user I wish there were a new improved replacement for Grub2 with a well-written manual. This would make dual booting much easier and safer and would most likely help to increase the ranks of Linux users. And also because I trust Microsoft and Apple - about as far as I can throw them.

I want to pay a reasonable fee to stop seeing ads everywhere on the internet.

Something like https://nextdns.io ?

I don't think the "blocking" approach will work, no matter if it is at browser extension or vpn/dns level.

I'm thinking of a model where website/service owners would enroll to a "program" where they would turn off all the ads for the program members seamlessly.

What would that be? Would you pay $50 a year?

I would definitely pay $50 a year.

A digital game store like Steam, but where you could resell your games.

Please don't use HN for market research.

Why not?

You do realize this is a forum spawned from a STARTUP INCUBATOR right?

Honestly wasn't my intention here. I just like reading about micro-products/services, and these threads often have a way of shedding light on actual products/services that exist, but are not popular yet for whatever reason.

Tomorrow on HN:

> What SaaS app would you pay the most money for? Please only give answers that can be written in a weekend with the tools and frameworks that I know.

This seems completely contrary to the point of HN. Every great post on HN can be construed as market research. Show HN is a whole category dedicated to the subject, No?