MurphyA/hacker-news huggingface dataset:
Show HN: BudgetGPT – An AI-powered financial advisor that helps you budget
by zbranson | 2025-05-07 04:39:50+00:00
I’ve been working nights and weekends on BudgetGPT – an AI-powered budgeting assistant that helps you plan your money, track spending, and forecast your financial future by chatting like you would with ChatGPT.

Key features:

Using AI to build a budget and ask questions like “How much do I need to have a fully funded emergency fund?” or “How much am I spending on subscriptions?”

Create budgets, get spending insights, and track progress

Pull in your bank data or just type in your income and expenses

Forecast your month with dynamic charts and AI-powered projections

My goal is to make budgeting feel less overwhelming and more like a conversation with a helpful financial coach.

It’s free to try, and I’d love feedback from this community – UX, security, pricing, anything. What would make this more useful to you?
by mvkel | 2025-05-07 04:40:34+00:00
That's a bit like saying having access to Google is as good as being Google.

All they really see as a model provider is little fragments of the picture, like trying to reconstruct the Mona Lisa by knowing which paint swatches Leonardo used.

In other words, they only saw whatever Windsurf sent as context with a "fix the bugs" prompt stapled to it.

By owning Windsurf, they see the entire source code of what's being built, all the time, plus how the model is interacting with it.

There's a massive amount of value in what happens client-side, and behind the scenes. The "director's cut" of context.

Huge difference.
by HillRat | 2025-05-07 04:41:06+00:00
Flip side of this is that every one of these regulatory rollbacks will get challenged in court as arbitrary and capricious (after all, no more Chevron), reinstated by the next Democratic administration anyway, and possibly not even be functionally repealed (creating potential liability down the road), so at least for a while manufacturers will probably continue to act as if the standards are still in effect.

This, of course, is exactly the kind of chaos and uncertainty that the APA and all those agency processes are supposed to prevent, but it’s a roller coaster for the next few years at least.
by katzenversteher | 2025-05-07 04:42:22+00:00
From their perspective they don't really know who put the tokens there. They just caculated the probabilities and then the inference engine adds tokens to the context window. Same with user and system prompt, they just appear in the context window and the LLM just gets "user said: 'hello', assistant said: 'how can I help '" and it just calculates the probabilities of the next token. If the context window had stopped in the user role it would have played the user role (calculated the probabilities for the next token of the user).
by yorwba | 2025-05-07 04:44:17+00:00
The approach in the article is roughly equivalent to having someone listen to you speak and then repeating back in their own voice so you can attempt to copy their accent. Certainly nice to have available on demand without needing to coordinate schedules with another human.

A good accent coach would be able to do much better by identifying exactly how you're pronouncing things differently, telling you what you should be doing in your mouth to change that, and giving you targeted exercises to practice.

Presumably a model that predicts the position of various articulators at every timestamp in a recording could be useful for something similar.
by aprilthird2021 | 2025-05-07 04:44:27+00:00
I think you're mostly correct. This does mirror the 2019 flare up, and yeah ultimately neither side wants their populace to figure out they're not as strong or prepared as they claim. For Pakistan after squashing the democratically popular leader, they can't afford to appear weak (the only thing they can lean on is strength to explain to the populace why they are better than a democratically elected leader). For India, also, the BJP has been waning in popularity after almost a decade of incumbency, this could be the straw that loses them their major support.
by ppipada | 2025-05-07 04:44:53+00:00
Wow, this post hit just too close to me. I came to same conclusion quite a while back (the author also mentions that we most probably always know this); BUT never able to get out of that mindset. I think fixing boundary issues is a hard problem, but still solvable. Dealing with Your Things (or atleast the ones you think are yours), i.e stuff that you have marked as your boundary, seems much much harder to deal with.

My mind has argued, and won to some extent, the opposite, but within a boundary: if you are responsible, why not do it better, if you are not doing it better, what is the point of it all?
by kristopolous | 2025-05-07 04:46:50+00:00
It's a right wing grievance attack on the environment.

Just like there was a right-wing grievance attack on education, science, water quality, air quality, due process, food inspections, being bound by the constitution ... Basically anything that seeks to make things better.

They feel oppressed by all of it.

But don't worry. When your food is full of mercury and you're breathing in lead in a few years, the right wing will be there to blame DEI and wokeism for it because that's how they operate: destroy things, blame scapegoats, win elections, repeat.

There's people like Chris Rufo that openly state it's their strategy. None of this is speculative.
by snthpy | 2025-05-07 04:47:27+00:00
I find the naming confusing. Haven't I already been using Gemini 2.5 Pro Preview for the past month? Or was that Experimental?

Also how do i understand the OpenAI model names? I don't use OpenAI anymore since Ilya left but when looking at the benchmarks I'm constantly confused by their model names. We have semantic versioning - why do I need an AI or web search to understand your model name?
by gallerdude | 2025-05-07 04:47:37+00:00
When I was near the end of high school, my family visited London, and I was thinking about being a game dev. So I sent Terry Cavanagh an email, and to my surprise he completely agreed to get lunch.

He was extremely kind, gave me a lot of interesting life advice. I remember him saying that he got most of his ideas just from playing around with mechanics and experimenting a lot, he was never really one to get grand visions.

Anyways, great fellow, glad he opened source V (as he called it).
by ggm | 2025-05-07 04:48:35+00:00
I roll accounts as a matter of principle. I'm on my 6th or so. It's low burden. If your engagement model has posting frequently, I can see the barriers rise here until you get over some threshold.

I'm seeking to reduce my surface of posting for a number of reasons, getting tall enough to be on the fairground ride isn't my central problem.
by whatever1 | 2025-05-07 04:48:39+00:00
We need a spinoff system where big companies can easily offload legacy products that do not align anymore with the company’s direction / bottom line.

Does it make sense for Google today to be building Wi-Fi routers? No. The entitlement is not there, superstar engineers would not want to work at this project since only marginal contributions are needed.

Would I love to be an owner of a smart WiFi router company with excellent UI, integration with Google products, established sales and roadmap? Heck yes.

There just seems to be so much red tape around these that companies prefer to simply kill such products.
by aprilthird2021 | 2025-05-07 04:50:12+00:00
There isn't proof that this terrorist attack was directed by Pakistan. The terrorists themselves haven't been caught. India also supports terrorists in Pakistan (like the BLA who took hostages on a train a few months back), allegedly.

There's no morally superior actor here, unfortunately.

EDIT: There are many other strange things about the parent comment like why are you upset about the word "militant" instead of "terrorist"? They are functionally synonyms. What militant group isn't a terrorist group? And why is it opposite calling the BJP Hindu nationalist? It is a term they themselves coined and use to describe themselves??

EDIT 2: the original commenter is using a very cleverly edited clip from a different time period to support his claims. But watch the full clip and judge for yourselves. He is clearly referring to training the Afghan Mujahideen 3 decades ago, who the US also supported in the Soviet-Afghan War: https://youtube.com/shorts/lkO8fR4vlgA
by user_7832 | 2025-05-07 04:50:30+00:00
> Finally a model that obeys my instructions to "go long"

Something I have found is that when you give a reason for it, LLMs are more likely to do it. The first time I was in a metro with limited internet I told Claude (3.5) as such and asked it to reply in more detail as I could not type back and forth frequently… and it delivered extremely well. Since then I’ve found it to be a helpful prompt for all LLMs I’ve used it on.
by rashunain | 2025-05-07 04:51:09+00:00
Read hindi current affairs of 6 May 2025 and attempt daily hindi current affairs quiz to improve your performance in the general awareness section of the government exams and become a government officer. Daily Current Affairs are very important for the preparation of the government exams like SSC CGL, IBPS PO, SBI PO, UPSC, State PSC, Defence exams.
by tomhow | 2025-05-07 04:52:02+00:00
Comments should get more thoughtful and substantive, not less, as a topic gets more divisive.

Please don't fulminate. Please don't sneer...

Eschew flamebait.

Please don't use Hacker News for political or ideological battle. It tramples curiosity.

https://news.ycombinator.com/newsguidelines.html
by udev4096 | 2025-05-07 04:52:11+00:00
Alpine's biggest hurdle is musl. Most of the software still relies on libc. You should look into unikernels [0], it's the most slimmed down version of linux that you can ship. I am not sure how different a unikernel is from a distroless image tho

[0] - https://unikraft.org/
by JumpCrisscross | 2025-05-07 04:52:13+00:00
> leadership making decisions for conflicts on or around the LoC are not from these regions

The people in the region are pretty much irrelevant, one can successfuly model the conflict as a proxy war between New Delhi and Islamabad. Their interests are particular to the borders in the region, namely, access to waterm, China and the other side's Kashmir.

> ways to resolve the problem longer term, and that requires forcing professionalization of the Pakistani Armed Forces and cajoling India back to the negotiating table using the carrot and the stick. Similar precedent already exists with the Israel-Egypt peace accords under Sadat

This is a solution from a different era. The current borders are unstable and thus unsustainable. Between proxy forces and the militarisation of the South China Sea, we're kicking the can down the road until someone acts decisively.

The game theory is that kicking the can down the road works for both sides. There isn't a pressing need for peace between India and Pakistan, just not nuclear conflict. And that's achieved with a Korean Peninsula-esque stalemate. The problem is either side gaining an advantage resolves the issue, and the later that happens the more destructive the resolution would be. (Think: Pakistan gaining top-of-the-line Sino-Russian missile defence.) And both sides know that ex ante. So we have a prisoner's dilemma without the common enemy (and common ally) that animated Tel Aviv and Cairo.
by branko_d | 2025-05-07 04:54:37+00:00
I remember, at the turn of the century (was is 2001?) when Microsoft was touting "weak coupling" achievable through "web services" and demoing the support for SOAP in Visual Studio.

To me, that was the strangest idea - how could you "decouple" one service from another if it needs to know what to call, and what information to pass and in what format? Distributing the computing - for performance, or redundancy or security or organizational reasons - that I can understand - but "weak coupling" just never made sense to me.
by ab5tract | 2025-05-07 04:54:46+00:00
Markets tend toward monopolies, with a stop at duopolies along the way.

I do agree that Apple and Google both played the game with moves below the table, but that’s what “the market” gets you (amoral profit seeking that has no qualms with cheating and taking measures to ensure that one isn’t somehow suddenly operating under a political regime that cares about the morality of its market participants).
by potholereseller | 2025-05-07 04:55:16+00:00
When you've trained your model on all available data, the only things left to improve are the training algorithm and the system prompt; the latter is far easier and faster to tweak. The system prompts may grow yet more, but they can't exceed the token limit. To exceed that limit, they may create topic-specific system prompts, selected by another, smaller system prompt, using the LLM twice:

user's-prompt + topic-picker-prompt -> LLM -> topic-specific-prompt -> LLM

This will enable the cumulative size of system prompts to exceed the LLM's token limit. But this will only occur if we happen to live in a net-funny universe, which physicists have not yet determined.
Liquibase Simplifies Schema Management for DB Admins
by sonichigo | 2025-05-07 04:56:12+00:00
If you've ever deployed schema changes manually, you know the pain: tracking SQL scripts, guessing what's applied where, and praying nothing breaks in prod.

I recently wrote a post on how Liquibase helps database admins and DevOps teams version-control and automate PostgreSQL migrations—like Git for your database schema.

It covers:

Why traditional schema management breaks at scale How Liquibase tracks, applies, and rolls back changes safely Real YAML examples for PostgreSQL CI/CD automation tips Rollback strategies and changelog best practices Check it out here https://blog.sonichigo.com/how-liquibase-makes-life-easy-for-db-admins

Would love feedback from folks using other tools too—Flyway, Alembic, etc.
by defrost | 2025-05-07 04:58:09+00:00
It's a trite trueism that all systems are vulnerable to fraud and abuse and it's no suprise the GAO was able to demonstrate the potential for abuse fourteen years ago.

What would be more interesting would be a historic examination on the amount of fraud and abuse that actually takes place in the Energy Star program and whether the various decade plus old recommendations:

We briefed program officials with the Department of Energy, Environmental Protection Agency (EPA) and EPA OIG as well as attorneys with the Consumer Protection division of the Federal Trade Commission (FTC) on the results of our work, and incorporated their comments concerning controls in place to protect the Energy Star label from fraud and abuse.

proved useful in finding such fraud or in decreasing any occurance.
by JumpCrisscross | 2025-05-07 04:58:41+00:00
> Why would a unilateral surrender of land be considered valid terms for peace?

Because you trade it for more than it's worth to you. America gave up the Philippines, for example. Every decolonisation effort could accurately be described as "a unilateral surrender of land."

> what land would Pakistan offer in exchange?

You'd probably need China to participate. Maybe Siachen or even areas of Sindh? It's a long shot. One of the elements would almost certainly be co-ordinated anti-terrorist policing. Maybe guaranteed by China.

> I'm inclined to consider India a safer nation for most muslim denominations

I am, too. But let's be honest, neither side is concerned with the wellbeing of anyone in Kashmir.
by atoav | 2025-05-07 05:00:32+00:00
Bloat might be correlated with the ease of bloating software and it indeed easier to do precisely that if you don't have to write it yourself.

Bloat is uncontrolled complexity and making it harder to manage complexity reduces bloat. But it also makes it harder to write software that has to be complex for legitimate reasons. Not everybody should write their own library handling SSL, SQL or regex for example. But those libraries are rarely the problem, things like leftpad are.

Or: you can use package systems for good and for evil. The only real way to fight bloat is to be diciplined an vet your dependencies. It must cost you something to pull them in. If you have to read and understand everything you pull in, pulling in everybody and their dog suddenly becomes less desireable.

Also I think this is much more an issue off the quality of dependencies than it is about using dependencies themselves (it would be stupid to write 1000 implementations of HTTP for a language, one that works really well is better).
by danpalmer | 2025-05-07 05:01:10+00:00
Well OpenRouter is also facading the API calls, so you may not get the full details of the response back from the upstream LLM service. As far as I can tell the Gemini API returns the token counts in its response enabling you to estimate billing yourself if you want to.

> they purposely delay the billing console by up to 24 hours

This is about scalability and performance. Billing for as many requests per second as a cloud provider gets can't be done live, without significant performance and reliability degradation.
by Disposal8433 | 2025-05-07 05:02:13+00:00
Emergency fund? Multiply your salary by 2. For the rest you have everything with Actual Budget. It's free and open-source, and respects your privacy. Also it's fast and doesn't hallucinate due to its lack of AI, another great feature!

It doesn't have a huge ToS and privacy policy though because it doesn't need that.

https://actualbudget.org/
by skybrian | 2025-05-07 05:02:16+00:00
> In spite of the flaws, not having to compensate creators was seemingly incentive enough for some people to switch over.

This doesn’t quite land because free is nothing special. The Internet has lots of free content that nobody cares about. There needs to be something other than “it’s cheaper” that attracts people’s interest.

One reason AI art is becoming popular is that there are tools that make it easy and fun to make your own. And I expect that the tools will get better.

I suppose it’s true that being able to take selfies quickly and easily competes with professional photography. But it doesn’t feel like direct competition when you wouldn’t have considered hiring a photographer or a portrait artist.
by vunderba | 2025-05-07 05:03:36+00:00
I built something like this for my own personal language studies about a decade ago called "Kindle Swap". You fed it an ebook in ePub/MOBI format along with a list of known vocabulary and it would sprinkle them into the book so you could read it on your Kindle at your leisure later.

https://specularrealms.com/projects/kindle-swap
by ocdtrekkie | 2025-05-07 05:04:53+00:00
Isn't it a huge selling point though that new appliances are more efficient? Like... a lot of people have old appliances that... basically work, and the fact that you might make a lot of that cost back in efficiency savings is one of the heavy incentives behind sales.

I'd agree Energy Star requires presenting that, but I feel like a lot of manufacturers would want to.
by pmontra | 2025-05-07 05:05:24+00:00
China and India are still formally at war since the 60s https://en.wikipedia.org/wiki/Sino-Indian_War and there is an ongoing dispute over territories in the east of India https://en.wikipedia.org/wiki/Sino-Indian_border_dispute

The latter still makes the news in the West sometimes, not every year. HNers from those countries might give us some insights about how much their people feel it important.
by somenameforme | 2025-05-07 05:07:20+00:00
Oil production is a slave to prices. The majority of oil worldwide is quite expensive to extract - shale in the US, oil sands in Canada/Venezuela, etc. And so low prices reduce our ability to produce oil which, in turn, sends prices up. And vice versa, high prices enable even the junkiest reserves to be extracted which sends prices down. And the more you produce, the more expensive it becomes to produce - the reason for this is that you're always going to pick the low hanging fruit first, but as you run out of that you're left picking higher and higher up the tree.

And while we are the world's largest producer of oil, we're also the world's 2nd largest importer of oil as well!
by aprilthird2021 | 2025-05-07 05:09:16+00:00
> I'm inclined to consider India a safer nation for most muslim denominations.

Come on. You can't live in India and think this seriously.

Anyways, the Kashmir issue is contentious but Kashmiris never got to say whether they should be part of India or not, unlike most states and people during partition. I am very aware the full history of the region is murky and that the removal of Kashmiri Pandits from the region led to the current broad swath of support for Kashmiri independence (or becoming a part of Pakistan, either way being separate from India), but the current situation is what it is, and until that is resolved it will continue to be an issue in India.

> Pakistan's historic terror attacks have been deep in India soil

India is said to sponsor Balochistan separatism as well, those groups have also made attacks deep into Pakistan, so again, no indication that either side will remain peaceful if the Kashmiri conflict ended.
by mrtksn | 2025-05-07 05:14:21+00:00
Very recently, there was a terrorist attack in Pakistan too: https://en.m.wikipedia.org/wiki/2025_Jaffar_Express_hijackin...

The attackers are allegedly backed by India.(India denies this, just like Pakistan deny involvement with the attacks in India).

So probably these bombings won’t solve anything as the issues appear to be a much more complicated. Therefore it is possible that everyone got what they need from these bombings.
by hunternguyendev | 2025-05-07 05:16:14+00:00
Location: SF Bay Area (San Jose, CA) Remote: Yes Willing to relocate: Yes Technologies: JavaScript, TypeScript, Python, SQL, React, Node.js, Express.js, Next.js, FastAPI, PyTorch, LangChain, Tailwind CSS Résumé/CV: https://hunternguyen.me/resume Email: hunter [dot] nguyen @ sjsu [dot] edu
by kergonath | 2025-05-07 05:16:36+00:00
> I don't know if anyone has the statistic but I'd guess the immense majority of user queries are like 100 tokens or shorter, imagine loading 24k to solve 0.1k, only a waste of 99.995% of resources.

That’s par for the course. These things burn GPU time even when they are used as a glorified version of Google prone to inventing stuff. They are wasteful in the vast majority of cases.

> I wish I could just short Anthropic.

What makes you think the others are significantly different? If all they have is a LLM screwdriver, they’re going to spend a lot of effort turning every problem into a screw, it’s not surprising. A LLM cannot reason, just generate text depending on the context. It’s logical to use the context to tell it what to do.
by bombela | 2025-05-07 05:16:45+00:00
The equivalent of the C++ move in Rust are the function take/replace (like mem::replace ajd option::take).

And it is fully memory safe.

You can build all the ownership you want by using raw pointers in Rust. And there is nothing wrong with a specific problem requiring unsafe because the problem cannot be taught to the borrow checker. But there is a point in your stack of abstractions where you can expose a safe and ergonomic API.

If you have a concrete example I would love to get a crack at it.
by hiq | 2025-05-07 05:20:30+00:00
> they're treated badly because they're not paid enough

They're also treated badly because they don't know how much they'll get paid in practice, which makes financial planning even more difficult, including comparing job offers. Instead of just getting the higher-paid job, you get lured into accepting a low-paying one with promises of tips that may or may not materialize. My salary is basically the main thing that's legally enforceable when I sign an employment contract, but I wouldn't even get that if I relied on tips.

> Just pay what it really costs.

How much is that exactly? Is that +5/10/20% of the initial price?

Tipping when it becomes non-negligible completely breaks transparency (as in https://en.wikipedia.org/wiki/Transparency_(market)) which makes everything less efficient.