skysight-inc/HackerNews huggingface dataset:
Ask HN: Best marketplace payment processor that minimizes inter-user xaction fee
I want to build a marketplace where most users are both buyers and sellers for different transactions. For example, assume we have 3 users, Alice, Bob, and Casey. Alice buys a hammer from Bob in one transaction but later sells the hammer to Casey in a different future transaction.

Since users are frequently both buyers and sellers, I foresee withdrawals from the marketplace being infrequent with a single user not making any over long periods of time. During sign up, I would like each user to make a deposit (let's assume for $10 each, so in the above example, total of $30 deposited). This deposit would sit in the user's connected account at the payment processor. When Alice buys the hammer, Alice's connected acct goes to $0 and Bob's goes to $20 for Bob (let's ignore taxes for now, I know I will have to account for them). When Casey buys, now Alice has $10 and Casey $0.

Which payment processor is the best for this type of structure? Can I do something like this with Stripe Connect? Any idea what the fee breakdown is for deposits, withdrawals, and inter-user transactions?

Dwolla supports "Balance-to-Balance" transactions which seems to fit. I'm wondering how other payment processors compare.

I did some searching for other related Ask HN posts and I came across this earlier post (https://news.ycombinator.com/item?id=1493421) from ~10 years ago. I wanted to ask again since a lot could have changed since then.

TY
> Software collaboration is not that easy, especially if it's done by people in their (very little) spare time.

This is true, but somehow the Node ecosystem has managed to do it worse than those that came before it.

At the risk of sounding elitist, I submit that this phenomenon is due to a flood of novice developers that are entering the industry via six week "learn to code" boot camps.
Yeah, in the latter years of high school, I saw a number of fights end in handcuffs.
Twitter can claim to make a good-faith effort to reduce misinformation, and threats of violence and incitements to terrorism are taken down quickly.

Parler's raison d'etre is that it makes no such efforts. From the AWS team's motion to dismiss:

"There is no legal basis in AWS’s customer agreements or otherwise to compel AWS to host content of this nature. AWS notified Parler repeatedly that its content violated the parties’ agreement, requested removal, and reviewed Parler’s plan to address the problem, only to determine that Parler was both unwilling and unable to do so. AWS suspended Parler’s account as a last resort to prevent further access to such content, including plans for violence to disrupt the impending Presidential transition."

From: https://www.docketalarm.com/cases/Washington_Western_Distric...
We have evidence squats increase test
Cultural psychology could have been changing too. Rates of corporeal punishment going down resulting in less violent behavior. Data in this study shows a 30 percentage point drop in rates of spanking, and every study done on spanking has shown it is at best neutral but commonly creates negative outcomes

http://unh.edu/ccrc/pdf/CV358%20-%20Published%202019.pdf
Freelance Technical Blogging for Software Engineers
I mostly agree with your assessment of their usefulness, but any organisation that handles credit cards likely has to use personal firewalls. Requirement 1.4 of the DSS:

> Install personal firewall software or equivalent functionality on any portable computing devices (including company and/or employee-owned) that connect to the Internet when outside the network (for example, laptops used by employees), and which are also used to access the CDE.

The most common place this would come up would be with SREs/Devs that have access to prod (and thus the "Cardholder Data Environment") from their laptops. It can also apply to business users that have access to certain admin dashboards in some organisations.
As someone who played and liked BECMI, AD&D/1e, AD&D/2e, D&D/3e, D&D/3.5e – and thought each had their strong and weak points, and wouldn’t mind playing any of them again though the gratuitous mechanical complexity of AD&D/1e is a bit over the top – but rejected 4e, I find that 5e is (while incorporating and furthering in some areas the mechanical simplifications of 4e) much more in the spirit of the pre-4e versions than it is like 4e, and it fairly quickly became my clear favorite version.
Am I missing something when the author writes about a free GCP instance with 8 vcpus & 64GB ram? Which one is that?

My second thought, why not scale that up to 64 vcpus (or even more) and spend less time rendering? I'm sure there's a balance between cost per second of render time and # vcpus. I haven't found it myself, mostly due to not experimenting.

When I render my product shots on GCP, I use a 96 vcpu instance and render relatively intensive (due to the higher quality of render and light settings) at print resolution in a minute or two. The cost becoming negligible, the feedback quick, and the strain on my MBP minimal.
> when we’re talking about one specific group of crazies that just attempted an insurrection and got 5 people killed in the Capitol.

Thats only because you are choosing to talk about that exclusively. You aren’t taking into account the violence and destruction about BLM.

I mean, a known BLM voice/advocate went and murdered 5 cops, and not one bit of that blew back at BLM the Org, because no one forced them to own their crazies. None of the destruction, murder and lawlessness over the summer blew back on BLM, Dems, Antifa.

It’s not whataboutism when it’s similar events. A whataboutism would be if someone said “the left doesn’t need to own their crazies because Obama faced criticism for Benghazi”.
Exactly. Abstaining from porn made me super horny and restless.

If you need to motivate yourself to hit on women, this is a positive.

If you need to do something intellectual -- work or play -- it's a sharp negative, though. Evangelists tend to gloss over this point.
Gates has a much bigger pr organization behind him than Mellon or Carnegie ever did in a previous era of monopolists and oligarchs.

Since Gates funds a lot of the western media, (UK Guardian, BBC etc) you never hear any criticism of the WHO (which Gates also effectively owns) or GAVI, which is a Gates Vehicle. This is not a healthy situation at all.
Cool stuff - reminds me of a semester project I did about a year ago using latent semantic analysis to find relationships between documents. Sounds similar to what you guys are doing, trying to pair job descriptions with the best fitting resume. I'd love to hear more about the technical details on your solution, though I suspect that's somewhat of a "trade secret" ;)
World Government? what's that?
Agreed. To me parler is like a cult. It's small enough where nobody can pretend it's religion. Facebook is like Scientology, they got big enough and rich enough to where they could influence the proper people and get the free pass.
Running Mac OS 9 and Mac OS X 10.0 – 10.4 on Apple Silicon (M1) & Intel via QEMU
The complex new landscape of going public
What you're decribing reminds me of something Bob Metcalfe wrote years ago (but I'm afraid I don't care enough to find the original), that is: people obsessing over getting their taxes lowered are dummies, because companies will pay positions to a particular level in the social context of their employees. If a job - such a software developer - is supposed by employees to be upper middle class, that's what a company will pay in California, or India, or Germany, or whereever. Tax rates, housing costs, what have you, will be factored into that. Hence, within the US, we immediately see companies expecting to pay remote, outside-SF employees less.

In a similar vein, you're describing a lower headline salary buying a comparable standard of living because you aren't paying a mortage-equivalent sum for healthcare and education.
As the person who just read through feedback today, I can assure you that each piece of feedback sent is received, read and logged by real humans who care and more importantly deeply appreciate the fact that users take time to send feedback :)
The president can pardon all federal offenses excluding impeachment. Whether or not he can self pardon is an untested question; it’s not exactly clear.

Him pardoning the rioters is a nightmare scenario, both politically and for the long term survival of the republic. But the only real solution for this is impeachment and conviction, as generally the pardon power is not subject to judicial review.
I'm into The Mom Test right now. It helps to interview but my issue now is how to make this interview happen.

Thx for links
The question is, are they in a hurry to catch up? What is the market that AMD is actually taking over with its multi-chip packages, and at what cost?

Just because AMD may be winning in Cinebench doesn't mean it's winning in the business side.

Multi-chip packages have downsides that become obvious in certain enterprise workloads, so the question becomes: Is it worth giving up on the monolithic approach, or adding multi-chip products, in order to
completely dominate the market, even when that is not more profitable?

Clearly, the answer for Intel must be "no", otherwise they would being doing it.
Great post, Elixir has come a long way but more importantly had a great foundation to build on out of the gate. One of the best maintainer communities I've seen for a language + framework in a while. Such a strong + clear open source vision set on building a flexible and robust platform/language. Ty Jose + Chris!!!

Very proud to have been using Phoenix + Elixir for our startup, https://www.distru.com, since day 1 and it was one of our best stack decisions. The language is so pleasent to code in, brings functional programming concepts, can do powerful things with GenServer, has great default performance, and enables us to tackle concurrency problems in a way rails just wasn't built for.

Not to mention the constant surprises from Elixir!! There's a built in scalable nosql database in the VM (https://elixirschool.com/en/lessons/specifics/mnesia/)!?!? And a key value store (https://elixirschool.com/en/lessons/specifics/ets/)?!? It's so fun to experiment with!

Can't wait to continue meeting great Elixir devs as we grow :). If any devs are interested in working on a cannabis startup built on Elixir since day one, I'd love to talk. blaine@distru.com
I'd be curious about food/health laws in other countries high on that scale... the US is definitely one of the largest countries high on the list, and while the US sits at 28.5, most EU countries, where vastly better food regulation is in place, the average tends to be 25-26. (Several countries with major hunger issues sit towards the very low end, I wouldn't use as a picture of health.)

HFCS may be a uniquely US problem, but foods with it are also exported, which explains why countries like Canada sit relatively high as well.

It was a life-changing experience for me to visit EU countries, where orange Fanta contains 11% orange juice (and vaguely looks like orange juice), compared to the dark orange nearly-pure-sugar soda we drink here. Even McDonald's food was leaner, less greasy, and closer to what you'd get at a quality restaurant.
Because all these posts are 200 words or less, they tend to be the kind of thing you can read in ~90 seconds. I like sharing these smaller learnings to twitter. For a venue like HN though, I agree they don't meet quite the effort threshold.
Just a heads up to anyone using wireguard on Alpine: wireguard is now included in the kernel, so you'll want to uninstall the wireguard-lts package when you update to 3.13. Otherwise your kernel won't be upgraded and any other packages with modules (e.g. zfs) will break.
> multi-month riots over the spring, summer and fal

There were no multi-month riots this summer. Multi-month protests, yes. But not riots. The riots were much smaller in number and generally only lasted a few days at any one location prior to order being restored (here in NYC we had a few nights of looting that could be described as a riot). Even the infamous 1992 LA riots only lasted a week. Multi-month riots would be downfall-of-society level.
It was a reference to the Church of the Flying Spaghetti Monster.

https://en.wikipedia.org/wiki/Flying_Spaghetti_Monster#Pirat...

Note that the model does take the Arabian Sea into account.
So first - the donation has nothing to do with anything really, it's kind of a side issue.

Second, this is not the kind of 'influence peddling' organization you are thinking of. These kinds of orgs. are 'influentially benign', this money is not going to change any votes.

You're thinking more of Clinton Foundation or Koch Brothers.

If you want to be cynical about it - then I suggest it's more to do with the fact that this 'charity' seems to be the 'Colin Kap Personal Brand Promotion Marketing Vehicle' in the sense it seems to be more about him than ostensibly the people he's trying to help. And of course 'how' he's trying to help seems a little vague.

If this were something like 'support underproduction kids by helping them pay for tuition' that would be wonderful.

But the real issue is ostensible hypocrisy in Twitter bans, and while I think there is a legit fine line, I don't think Twitter has crossed it. They can make the case for banning Trump and not Kap. Though maybe there's some other tweets they ought to delete as well.

To his credit, Dorsey did indicate the difficult challenge in the decision and that this issue certainly is not over.

There's a difference between calling for protest of authorities who have killed innocent people, possibly on the basis of racism vs. trying to stop the electoral process, which amounts to a de-facto coup. Those are worlds apart.

Those who 'looted Target' I hope can face appropriate charges, those who materially were trying to stop the electoral process as well, and those will be 'much more relevant'.
There was also an active mine in CA (I forget the name), but it closed down a few years ago... not sure why. I'm guessing it's the fact that lithium requires many harsh chemicals to extract and is a very 'dirty' process. Probably why China does most of the processing -- they're far more willing to pollute their own environment than most countries currently. For independence to occur, we either need to accept the environmental wreckage, or find a better way to contain it and make it 'cleaner'.
It's really harmful to go around pushing the uninformed assertion that "testosterone == violence". This leads to people lashing out at men in general, then further backlash from there in the form of the "they're-coming-to-get-us" trumpian insanity that is going on right now.

The whole phenomenon of "toxic masculinity" is not about "masculinity makes you toxic" but about the ways we terrorize young males and indoctrinate them with fear & violence at an early age.

https://www.scientificamerican.com/article/strange-but-true-...
There is a whole list of right wing news sites google will not link to without explicitly include the site name in the query.
I can't speak for the other nations, but Nazi Germany was a very poor country. The standard of living in Germany was relatively bad, in no small part because of the post-war economic turmoil.

I submit the first few chapters of Wages of Destruction as my source. I am totally unqualified to summarize it, but it's shock full of data that support this thesis. It's a really good book.
Another way to look at wealth is as total spending power between now and eternity. Taken that way, it doesn't matter as much if your wealth is tied up in unsaleable stock-- stock afterall represents your claim on the discounted future earnings of a company, so those earnings will be available given enough time.

Estimating the true future earnings of businesses, and the amount available to current shareholders of course, isn't easy. But taking the stock market's approximation of that intrinsic value is quick and dirty way to get it. Of course, the caveat is that stocks aren't always efficiently priced.
Based on your needs, might suggest you check out https://lu.ma/ (founder is a friend, so if you want additional support DM me)
Exactly. They say it as if joining Google was a positive. No it it isn't. Just tell the truth: you sold Fitbit and made bank. No issue here.
It is a communication monopoly.
Thanks, I was just about to comment on how the social trends coming out of Japan are quite disturbing. I hope it’s as exaggerated as you say.
Learning the language of viral evolution and escap
> but at least he pretends to listen to the blue collar class

And while he pretends to listen, you've got politicians like AOC and Sanders fighting their backsides off for the blue collar classes, trying to get them healthcare and education.
When you come across these, be sure to use the "Send Feedback" button in the bottom right. User feedback is an important part of improving in a non-tracking environment.
If you're comfortable in your house for 15.5 of your 16 waking hours, it's not that much of a sacrifice to put on a nice, fresh mask for half an hour a day.

If instead you're working 10+ hours a day somewhere near people, you're probably tired of wearing the damn mask, the mask might be wet with condensation in cold climates, etc.
I play board games with some friends. While we're generally nice guys and girls, in some of the games we go full twirling moustache evil, every trick allowed as long as its in the rules. That's an in-game persona for an hour, after which we revert back to our nice selves. Which is fine, BTW, we're consenting adults and we know its a game.

I always thought of Bill as doing the same thing in Microsoft. Nice guy generally, but business is business, no hard feelings while he steamrolls your small company to death. Then, after having a fun work day doing what he should be doing, he reverts to his nice self.

He was probably shocked to learn the world knew only his evil side.
How they identified bitcoin accounts?
So.. Bitcoin accounts can be pointed easily to person??
One request I would have for SUS is to add the ability to add a weekly update in the past.

More than once I was working late Sunday and well into Monday morning. When this happens I can no longer provide an update for the prior week so it looks like I've done nothing for that week.
The BMG Foundation seems to have very specific requirements for land purchases that are more than just "good farm land."

Aside from the land in Benton County, and it's arability, they paid close attention to available water, access to interstate transportation including road (I-82, I-84), rail (BNSF) and air (Tri-Cities Airport), and reasonable proximity to major metropolitan areas (Seattle, Portland, Boise).

No doubt stable gas and electric are nearby along with high-speed fiber (next to the BNSF rail).

It's a mistake to think of Bill Gates as the next Mr. Douglas too [0]. His acquisitions are consistent with a mind towards building "smart cities" like the one proposed west of Phoenix.

[0] https://en.wikipedia.org/wiki/Green_Acres
I'm only upvoting b/c you clearly have navigated USDA ERS website before... (or google skills are lvl 100)

That type of info should be a whole lot easier to access and digest than it currently is.
Sounds like sampling bias, also - ""The team found lower-income respondents faced increased chances of job and income losses due to the pandemic and limited access to remote work. They were also more likely to live in homes with no access to the outdoors – access to outdoor space was a very strong predictor of social distancing, the researchers found. People with access to open air at home were 20% more likely to social distance.""
The easiest way to say it is:

often you want to apply a list of actions to an object.

This is a "backward reduce".

I don't feel it often, but when I do, it's such a bummer.
https://pubmed.ncbi.nlm.nih.gov/25982085/

Lower testosterone causes fat gain and fat gain causes lower testosterone.

https://simondsmetabolics.com/2020/09/10/how-obesity-affects...

> Scientists have established that excess fat increases enzymes known as aromatases. These molecules convert testosterone into estrogen. While estrogen is present in males in very small amounts, increased amounts can alter normal function. Having too much estrogen tricks the body into thinking that you do not need more testosterone. The danger lies in the vicious cycle that develops once the high estrogen levels kick in.

Cheap, high calorie food and obesity...
That's not a good comparison, since the government will still punish you for doing the same thing, regardless of whether you put it through tor or not
Competition for Attention in the ETF Space
From my experience with Teslas, there is a huge space for improved user experience. Teslas are super fun to drive and and way ahead of the competition. BMW now allows using iphones to open the car. There can be deeper carplay integration and to be frank it can just be a really expensive way to flex on your friends, like all apple devices.
Jokes aren’t necessarily snarky - I don’t read any malicious undertone from this joke, which I think is necessary to be considered snarky
More on this:

https://notlaura.com/is-css-turing-complete/

https://stackoverflow.com/questions/2497146/is-css-turing-co...
Oh man, Welcome to Night Vale is fantastic. I’m glad to see a reference!
Ergo Impact – Best standing desk chair
Google/Fitbit has a legally-binding commitment for ten years.

However, there are probably ways they can leap around that. For instance, new devices and a new platform, using the Fitbit talent and technology, but marketed as a new thing, could probably be used for advertising. Then they just need to get everyone over to their new health platform.

I also think a ten year commitment is a very poor concession for the EU to have extracted: It just means they're punting off society being harmed a while. For a company that will likely be around in 100 years or more, IBM-style, that's not a good concession.