MurphyA/hacker-news huggingface dataset:
by lazylizard | 2025-12-02 03:15:38+00:00
the singaporean "singpass" has been an amazing convenience. at this point its like why is any company still asking you to fill in personal particulars on forms? they should ask for access to singpass and you just authorize them.

you apply to or for anything.. and they just give you the option of authorizing via singpass.. and you use your passkey-like singpass app to authorize it... and its done!

you go to hospital and they need your medical records? singpass

you go to university and they need your academic history? singpass

you apply for bank loan? insurance? license? food handling permit? singpass
by craftkiller | 2025-12-02 03:15:41+00:00
> The NPU is slower than the integrated graphics for inference.

Yeah, that's expected. On consumer devices, the NPUs are not optimizing for speed and they're not meant to out-perform the GPU. They are optimizing for low power consumption. They want to be able to run simple AI tasks without turning your laptop into a frying pan, so that is where the NPU comes in.

Quoting wikipedia:

> On consumer devices, the NPU is intended to be small, power-efficient, but reasonably fast when used to run small models.
by mel_at_gaia | 2025-12-02 03:16:30+00:00
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Feel free to reach out to me with questions: mel at gaia-ai.eco
by Aaronontheweb | 2025-12-02 03:16:40+00:00
I can assure you they are, if anything, understated - as I am not including the expenses my health insurance will not cover. So no, you are fully in the wrong there. What do I have to do to prove it? Show you itemized receipts?

Moreover, what are you even trying to accomplish by asking for this? Please provide me with a forthright defense of the modern U.S. health insurance markets and why it makes sense for me to have to pay this much to keep our population above replacement level.
by clickety_clack | 2025-12-02 03:16:54+00:00
About a year ago, Draghi released this report on European Competitiveness (https://commission.europa.eu/topics/competitiveness/draghi-r...). In it he says "A key reason for less efficient financial intermediation in Europe is that capital markets remain fragmented and flows of savings into capital markets are lower."

I don't have data readily to hand (and Draghi probably mentions this in the report, I can't remember), but anecdotally based on what I hear from many of my European friends, Europeans basically keep their savings in bank savings accounts. That means that there is less investment capital floating around, which in turn means that the tiny fraction that finds its way into innovation is in turn greatly diminished. Europeans are dependent on bank loans for funding, and banks want to see assets as security for their loans.

Policies like this would further disincentivize Europeans to invest in their own stock markets, further damaging the ability of Europeans to innovate.
by lateforwork | 2025-12-02 03:16:58+00:00
That seems like a reasonable approach. That's much preferable to a tax on realized gains and a tax on unrealized gains. In the US when you buy a mutual fund you're already paying a "tax", for example, Fidelity eats 0.83% if you invest in their FSLVX mutual fund [1].

[1] https://fundresearch.fidelity.com/mutual-funds/summary/31612...
by majormajor | 2025-12-02 03:17:36+00:00
Phoenix/Firebird/Firefox first made was in the 2002-2004 era where a substantial portion of the internet-trendsetting audience that adopted it in the US had broadband.

20% of adult Americans had broadband at home by early 2004 - https://www.pewresearch.org/internet/2006/05/28/part-1-broad... - which is not a majority but had heavy overlap with the group that wasn't just settling for IE6. Similar with Facebook - it was driven by the mostly-young tech-forward early-adopter crowd that either had broadband at home or was at university with fast internet.
by hu3 | 2025-12-02 03:18:01+00:00
I guess it depends on what you mean by voice assistant.

But Android has been 100% accurate for simple commands for over a decade for me. Things like:

- "weather." tells me forecast of where I am.

- "alarm at 8am" and "alarm in 30 minutes" works as expected.

- calendar commands also work

My favourite is "go home" which opens Google map with a route to home.

These things just work. I don't recall last time I had to repeat myself.
by hshdhdhj4444 | 2025-12-02 03:18:47+00:00
There are definitely ways to make money.

The problem is that you cannot make as much money as you would by gatekeeping, which means billions of dollars of VC money goes to the gatekeeping app that offers its experience for free and no ads, and spends hundreds of million on ads, influencers, and partnerships to promote their offering and kill the open competition.

And once they’re entrenched enough that’s when they turn the screws on the customer.

Unfortunately our antitrust laws didn’t imagine a world where the marginal cost of serving a new customer was close to 0, so offering a product for free in order to kill competition doesn’t really trigger antitrust laws even though it’s the same kind of behavior.

I think the closest we came to something like this was Slack suing MSFT for bundling Teams, and that probably only stood a chance because of Microsoft’s history.
by labrador | 2025-12-02 03:18:56+00:00
I wonder what delusions Hegseth is operating under? That's he's above the law and Trump's immunity is his? Trump is not going to live forever. Hegseth thinks he's General Patton except Patton was exceptionally well read and intelligent while Hegseth is mostly known for his drinking problem and his promise not to drink so he could take the job.
by nunez | 2025-12-02 03:19:19+00:00
The taxes are important though. You'll "pay" for that monthly through your escrow account (or you'll save up for it in a HYSA or something, though personally I'd rather have my lender deal with the city and estimating next year's increases).

With taxes included, that $1800 mortgage can easily become $2600-$2800/month --- $33,600/year --- in a high-property tax state (like many of the states that don't have income tax, which are where many of the cheap homes are). For that to be 30% of your _net_ income, you'll need to clear $112k/year _post-tax_, which is $373k/yr HHI pre-tax assuming 35% of those go to federal, state and FICA.

You'll "only" need $112k/yr HHI if, like lenders, you're assuming that this will be 30% of your gross income. However, if we assume net is 65% of gross, then this mortgage is 46% of your net income. I know that a lot of people carry that risk, but that's a little high for my comfort level.

As for:

> Are people just devoting 50%+ of their income to housing? Everyone buying a house with the help of mom and dad? I just really don't get it.

Like almost everyone else that didn't have Mom and Dad angel investors, we got insanely lucky. I had two really good years financially during which time I was able to save enough to hit our 20% down and then some. We were also lucky with our current situation, as our landlord was willing to extend our lease without increasing the rent and the place we were renting was pretty sweet.
Show HN: Dotgh – CLI to manage AI-assistant config templates
by openjny | 2025-12-02 03:19:42+00:00
Hi HN,

I built dotgh, a CLI tool for managing AI coding assistant configuration files as reusable templates.

If you use GitHub Copilot, Cursor, or similar AI assistants, you've probably created files like `copilot-instructions.md`, `AGENTS.md`, or `.github/prompts/.prompt.md` many times across different projects.

dotgh lets you save these configs as templates and apply them to new projects with a single command:

dotgh push my-golang-template # Save current project's configs dotgh pull my-golang-template # Apply to a new project

What it manages by default: - AGENTS.md - .github/copilot-instructions.md - .github/agents/.agent.md - .github/copilot-chat-modes/.chatmode.md - .github/instructions/.instructions.md - .github/prompts/*.prompt.md - .vscode/mcp.json - (customizable via config)

Written in Go, cross-platform (Linux/macOS/Windows), single binary with no dependencies.

GitHub: https://github.com/openjny/dotgh

I'd love to hear your feedback!
by saswatms | 2025-12-02 03:20:33+00:00
Location: India, very flexible with working hours, can work with most timezones

Remote: Yes

Willing to relocate: Yes

Technologies: C++, Python, PyTorch, Pandas, Ollama, JavaScript, NodeJs, React, SQL, NoSQL, Git, Linux, HTML/Javascript/CSS, ES2015-2020, OAuth 2.0, JQuery, Heroku, Postgres, MongoDB

Résumé/CV: https://www.icloud.com/iclouddrive/044Ovt_e23einn_jWvENfzgeA...

Email: saswatmishra.official@gmail.com
by Izikiel43 | 2025-12-02 03:21:00+00:00
When you say excessive amounts of federal income tax, do you mean each tax payer, or the overall amount?

The top 10% of taxpayers contribute 72% of all income tax, so 90% of them aren't really contributing a lot, so per tax payer it's not a lot.

The overall amount is staggering, yes.
by johnnyanmac | 2025-12-02 03:21:33+00:00
>It was naïve to obsess over subtleties that only a handful of users would ever notice.

"When you’re a carpenter making a beautiful chest of drawers, you’re not going to use a piece of plywood on the back, even though it faces the wall and nobody will ever see it. You’ll know it’s there, so you’re going to use a beautiful piece of wood on the back. For you to sleep well at night, the aesthetic, the quality, has to be carried all the way through." - Steve jobs

Didn't take long for people to abandon their principles, huh?
by hshdhdhj4444 | 2025-12-02 03:22:00+00:00
In the 90s and early 2000s, my MSN (personal chats with people I knew IRL), Yahoo Chat (chats with people I met in Yahoo Games), ICQ (strangers all over the world) all were different personas and server different purposes.

And yet using those different chat services would have been unimaginable if it wasn’t for Trillian and then later Adium when I moved to a Mac.

Combining them into a single app with a singular UI, the same KB shortcuts, and being able to easily control notifications etc was a game changer.
by varenc | 2025-12-02 03:22:33+00:00
Isn't this already a problem in many situations? If you exercise your options when you quit, pay only a very small strike price, but acquire private shares with a much larger fair market value, in the US at least you'd owe the IRS a lot of money but have no liquidity to pay it. Though this new tax would make that a yearly problem instead of just a problem when you exercise. (and mean that early exercise doesn't let you avoid it)
by bpodgursky | 2025-12-02 03:22:56+00:00
Do you think about the things you say, or is it just reflex?

Everyone working for a startup knows it may be 5 years to a liquidity event. We're all big boys, we work on uncertainty and expectation. If the government changes the rules halfway through, it's pretty brain-damaged to blame the beancounters for hoodwinking the employees, and not using their magic oracular powers to predict how the laws would change under their feet.
by karma_p | 2025-12-02 03:23:07+00:00
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by yieldcrv | 2025-12-02 03:23:35+00:00
they're like a Trust that self executes distributions

except that they cost a fraction of a cent to create instead of several thousand dollars in lawyer fees for the initial revision, and can be tested in infinite scenarios for free

to your theoretical reservation, the trust similarity continues, as the constraints around the X are also codified. The person that triggers it can only send sanitized information, isn't necessarily an administrator, admins/trustees can be relinquished for it to be completely orphaned, and so on
by stmw | 2025-12-02 03:23:39+00:00
"Mr. Jobs reportedly asked the assembled engineers and other MobileMe team members, “Can anyone tell me what MobileMe is supposed to do?” When one of those employees then volunteered a satisfactory answer, Mr. Jobs followed up with, “So why the fuck doesn’t it do that?”

(source - https://www.businessinsider.com/steve-jobs-mobileme-failure-...)
by andreyk | 2025-12-02 03:24:03+00:00
To say they LLMs are 'predictive text models trained to match patterns in their data, statistical algorithms, not brains, not systems with “psychology” in any human sense.' is not entirely accurate. Classic LLMs like GPT 3 , sure. But LLM-powered chatbots (ChatGPT, Claude - which is what this article is really about) go through much more than just predict-next-token training (RLHF, presumably now reasoning training, who knows what else).
by klempner | 2025-12-02 03:24:05+00:00
As someone who is super nearsighted, the smaller screen on a phone is great for reading, especially in contexts like bedtime reading where I want to have my glasses off.

I have read many hundreds of books this way.

The problem with a tablet is that most tablets, especially the sort that are good for seeing entire as-printed pages at once, are too big for me to keep the entire screen in focus without wearing glasses. (with that said, foldables improve things here, since the aspect ratio bottleneck is typically width so being able to double the width on the fly makes such things more readable.
by notepad0x90 | 2025-12-02 03:25:08+00:00
Why don't governments take a portion of the stock as tax payment? They can cash it in (or not), but if all your money is in stocks, are they forcing you to sell the stock to pay them? i.e.: The tax shouldn't be in numerated in currency but stock. If it is currency, you are forced to measure a portion of the stock based on its current value and sell that much stock, if they take a fixed percent of the stock that amount could be a lot or not so much depending on the value of the stock when they tax you. The amount of tax you pay shouldn't depend on how well the stock is doing at taxation time.
by cdrini | 2025-12-02 03:25:16+00:00
> the people who don't understand why some of us don't want it everywhere don't understand that distinction, or else are financially motivated to ignore it and gaslight everyone about the categorical boundaries crossed.

This is such a common fallacy that I think it should be given a name. When you believe that the people who disagree with you must either be ignorant or malicious. Leaves no room for honest disagreement or discussion. Maybe the "dumb-or-evil" fallacy?
by tptacek | 2025-12-02 03:25:22+00:00
Do you have non-ACA insurance? One explanation for why your costs are so much higher than the national average is that you're on a non-complying plan (you can also still buy plans that will exclude preexisting conditions --- they just can't be sold on the ACA marketplace). I'm pretty confident KFF isn't making these numbers up.

As for your second question, one easy response is that prospective parents in other health care systems aren't paying less (with everything factored in) but rather differently: that people making your $119k "true" poverty rate in Europe tend to be taxed at their top marginal rate, which is substantially higher than ours (in fact, in a lot of places in Europe, a Chicago Public School teacher would also be paying the top marginal rate).

A thing worth pointing out is that while the system we have is especially punishing on the uninsured, it's actually not that bad a deal for the insured, demographically/actuarially speaking. That's because being insured definitionally puts you in the cohort that excludes Medicaid-eligible poor/working class people and fixed-income seniors. If you move the typical household from that cohort to the UK, they're likely to be worse off. In surveys, insured families tend to be satisfied with their insurance, which is why taking existing health insurance off the table is such a third rail in American health policy.

Anyways, unless you personally are responsible for keeping our population above replacement level (which sounds exhausting), your numbers just aren't probative for the cost of bringing new citizens online. Other numbers might be!
by staticassertion | 2025-12-02 03:25:30+00:00
> You use it as collateral for a loan and just spend the laon while the asset continues to appreciate (hopefully) faster than the interest rate.

Gosh, that hopefully is doing a lot for you sentence lol. Risk based economies function on that "hopefully". To phrase this another way, "if you borrow money against an asset, invest it in the economy, and make more than the interest in returns, you can avoid selling the asset to cover the loan", which sounds a whole lot more sane. It's a bit scary to imagine a world in which borrowing against an asset could not be profitable as that would mean that all investment in the economy would halt, no?

I'm not even against this tax fwiw but you're glossing over some major details in how that tax deferral works. The major issue is how cap gains is handled on death.
by hshdhdhj4444 | 2025-12-02 03:25:33+00:00
> Panels will begin to refund users with active annual subscriptions when the app officially shuts down on December 31, 2025. However, Panels’ blog post outlines ways for customers to get their money back quicker. After the app shutdown, Panels says all user data will be deleted, and the app code will be open sourced so other developers can build on it, if they so desire.

As far as I can tell this looks like one of the best “shutdown” processes I’ve seen.

It’s also helped by the fact that no one depends on wallpapers. But allowing people to get refunds immediately and open sourcin the code seems like the best approach for an app of this kind.
by itake | 2025-12-02 03:26:12+00:00
I know several people that got cleaned out in IPOs partially due to how taxes work on no-liquidity (lockout) periods. If you IPO'd at $10 ($3 goes to the tax man), and when you can finally sell it 6mo later and stock is only worth about $3, the IRS makes more money than you.

Checkout what happened at Uber [0].

My cousin at Aurora borrowed money for his tax bill on IPO. I don't know the final numbers, but I hope he at least broke even.

Real examples include: $GRAB, $AUR, $UBER

[0] - https://www.cnbc.com/2020/08/28/nearly-200-uber-employees-su...
by EdwardDiego | 2025-12-02 03:26:20+00:00
I too am a Nissan diehard, I just bought a P10 Primera eGT, the British built one, and regret very much selling my previous 4WD P10 (to be honest though, the dicky idle valve was very annoying), but that 4WD was amazing.

And yeah, driving my current P10, the steering feeling is so much more... real, my son owns a P12, and it feels far more disconnected from the road.

(I also drive a 350XV Fuga, and gosh darn, that VQ35DE(NEO) engine is a rather lovely V6).
by dang | 2025-12-02 03:26:40+00:00
By "strong" I assumed that the GP meant provocative, and that's the sort of linkbait that the site guidelines call for submitters (or moderators) to dampen - see https://news.ycombinator.com/newsguidelines.html.

I used the word "weaker" as a sort of play on GP's "strong" just for fun.
by blindriver | 2025-12-02 03:26:58+00:00
This is extremely regressive and means that lower income people will be forced to shed their assets every year to avoid paying this unrealized gains tax. This means they will NEVER get the chance to accumulate generational wealth by holding onto stocks or other assets that have the capability of increasing tremendously like real estate.

It means they will need to sell their assets in order to pay this tax and only rich people will be able to afford holding onto assets long enough to become very rich.

It’s stupid, regressive and the Netherlands will learn a great lesson. The other thing that makes me laugh is that no other taxes are going down so this is a straight up tax hike on top of every other the Dutch pay.
by ivankra | 2025-12-02 03:28:02+00:00
For real estate, yes, but it's a quite different type of asset with a stable value that (mostly) only goes up.

What about stocks or crypto (the assets this new law targets)? They can have wild value fluctuations in a year. If your crypto or startup's options have +1M paper gain this year and turn worthless the next year, is it fair to ask people to cough up some 300-500k of real cash in tax?
by sgc | 2025-12-02 03:28:14+00:00
At the cost of soldering new usb ports every couple of years (a couple hundred from a local tech) because they are extremely fragile. Fine for phones, I hate it on my laptop.

On top of that, the gan chargers are made as small as possible and overheat all the time. Modern, sleek, enshitified - just like our software!
by johnnyanmac | 2025-12-02 03:28:18+00:00
>However salaries are atrocious and local jobs aren't really available to non mandarin speakers.

You make such a hard bargain.

>there's not really anywhere on earth that combines the quality of life with the cost of living like Taiwan does.

Tempting, but I think the last thing I need for what little work I can grab is to create a 14 hour time zone gap.
by jeroenhd | 2025-12-02 03:28:52+00:00
MSDN used to have some excellent guides for doing all kinds of debugging, configuration, and tweaking of Windows. Somewhere around Windows 8.1 the website got updated and now most resources are either gone or unfindable. I do occasionally come upon some (badly auto-translated) version of those old guides, but download links and links to more information are all 404.

It's a real shame.
by Swizec | 2025-12-02 03:29:52+00:00
> you are well within the top decile of income for the US

Yes and still can’t [responsibly] afford to buy in my locale :)

The situation is truly fucked and it’s about time Americans admit that housing cannot be both an expectation and an investment. Either everyone gets to own a house or it can be an investment. You can’t have both.

IMO housing is a consumption expense but people hate it when I bring that up at dinner.