skysight-inc/HackerNews huggingface dataset:
Hi Hacker News! I’m Val, one of the co-founders of Monarch.

The personal finance problem is near and dear to me, as I was the first product manager on the original team that built Mint over 13 (!) years ago.

Despite that (and having tried every personal finance app since) I found that my wife and I were still manually updating spreadsheets to manage our household finances. We set out to solve that problem with Monarch.

We’re often asked “How is Monarch different from other personal finance apps?”.

Here are some of the things that make Monarch unique:

1) Many apps are good at showing you what happened to your money historically, but by then it’s too late to make any changes. Monarch helps you create a financial forecast (or plan) toward your goals, and then follow that plan. Unlike a spreadsheet, your plan stays up to date in realtime.

2) Personal finance apps are only as good as their underlying data. We’ve built Monarch to work across multiple data aggregators and automatically route you to the best aggregator for a given financial institution.

3) We have a transparent, subscription-based business model. We set out to build the best product in the personal finance space and believe in the “you get what you pay for” mantra. We don’t show ads nor sell your data, and we’re obsessed about your privacy.

4) We’re customer obsessed. Because we’re paid by our customers instead of advertisers, we listen to what our customers want and then build it. (Crazy, huh?). We have daily calls with customers and publish our roadmap for feedback.

5) We’re multi player. Managing your finances is often a multi person activity. Monarch makes it easy to securely add multiple people to your account, such as a partner, financial advisor, or accountant.

Monarch is available for web, iOS and Android. Finally, we’re just getting started. We have a lot of exciting things planned (Crypto support coming soon!).

We hope you’ll check us out!
I would have preferred more scientifically accurate movies. Judding by the comments, many more prople who prefer otherwise.

I hope once day, there will be a movie that accurately portrays the reality. I know I am not alone. There are dozens of us! Dozens!
I go by experience. There may be exceptions, but I've yet to see one, so I don't particularly care if there's a large pool of exceptions outside the horizon of my personal experience.

If you are an exception and have a good reason for taking offence that doesn't involve excluding others, do tell.
Does it go 'far beyond' what you get with something like Vuetify or BootstrapVue? (I've seen they offer react/vue binding/components now).
> pixel fonts with 1px strokes

Nostalgia kicked in hard.
Multi-Cloud Streaming as a Service Built on Apache Pulsar
"average post on social media" is a pretty low bar to pass.
That is not a fair comparison. You opted into the information becoming available to nearby people, you did not opt into having it aggregated and provided to the entire world. IMO this is one of the fundamental difficulties the era of digital data collection has brought to our society, things that were once not feasible (and therefore not a concern) are now trivial.
I think in both cases the legacy was still there, just hidden from users and developers.
Step 1: don't pay the bill
Step 2: wait...
Step 3: continue to not pay the bill
step 4: when you've waited a very long time, offer a tiny amount of money
What about just hiding your SSID?
MacKenzie Scott reveals another $2.74B in charitable giving
This is something I’ve noticed working with European people and also traveling.

I think there is a cycle here where because working with software is considered low status, many good software people leave, and lots of smart people probably do not go into the field at all unless they truly love software. This would tend to drive the talent pool down, IMO, which keeps away good software jobs, keeping it low status.

In the US for example writing software is usually considered wholly different from “IT” whereas in Europe IT encompasses both. That’s probably another thing bringing its status down. You are grouping software engineers with people plugging in printers and solving Karen’s support ticket (no offense IT people).
There is an objective difference between generic he and generic they: In many contexts you can not tell whether the "he" was intended to be generic or not.
It’s easier with an address
Well in 1981 if you wanted to sell stuff for personal computers you would have to be in the Valley. No question about it.

I'd say it would have been hard to sell anything that specific even elsewhere in the US at the time.
That's a very bold assumption to make.

I said "pretty much any" not "every" since we're talking about regular usage of a computer. OP didn't mention anything in particular so I suggested three alternatives. Before you start calling people out you should first define what "complex" is.
Isnt it actually all the pseudo monopolies that created all the innovations? Bell labs, Xerox park?
It's trivially easy to connect a street address to an identity too. Most municipalities in the US have the property owner on public record. This isn't publicized information, but it's very much public information.
Google's investment in the web is just like Microsoft's "Embrace, extend, extinguish" strategy, just far more sophisticated and nuanced. Just like the new Microsoft's so-called new-found embrace of Linux, open standards and interoperability. It's all a sham.

Garbage like AMP, or flexing their dominance in the search market to force websites to comply with this or that or risk delisting, is garbage.
> Hyperfocus can also be a side effect of stimulant medication.

This doesn't address the fact that the hyperfocus behavior is a side effect of the poor executive function and is present in unmedicated ADHD people. In fact stimulants in an ADHD brain tend to improve executive function and make hyperfocus less likely for them.

> Be careful about interpreting something like increased focus as ADHD.

As I said before, it's not about focus at all. It's about executive function. It just manifests in ways that look like focus problems. And yes, hyperfocus is absolutely as much of a problem as completely lacking focus.
But in many (most?) cases, they are damage. I have visible 'freckles' in my shoulders. I wasn't born with them. There's further damage in some areas that had heavy exposure to sunlight. Same on the more exposed areas in my arms. Zero "freckles" or spots of any kind outside these zones. There's plenty of literature on this.

Sure, they are an adaptation. One that's best avoided _while you can_

Every time you get a "sunburn" and your skin turns red? That's DNA damage. The body is good at repairing that, but not perfect. Best not to take damage in the first place. And if you do, to at least reduce the total radiation amount.

We shouldn't be singling out people based on their appearance of course. But there should be more awareness that skin damage is cumulative, and skin should be protected as much as possible.

I regret not having done so when I was younger. As much as I hate sunscreen.
> In the 2013 list, approximately 40 percent of Sweden’s billionaires are self-made while 60 percent inherited their wealth. In the United States, by contrast, 70 percent of billionaires are self-made while around 30 percent inherited their wealth. Once we exclude inherited wealth, the United States has around 1 self-made billionaire per million inhabitants compared to 0.6 for Sweden.

https://www.nationalreview.com/the-agenda/guest-post-tino-sa...
Thanks.... but now I need to buy a UV pass filter for my hyperspectral camera.
I honestly think Shotcut drove Black Magic Design to release a mostly complete free version of Davinci Resolve. It is just so good, that the leader in editing software had to make the tool free to most users.
This reminds me of https://en.wikipedia.org/wiki/Thundering_herd_problem
I've thought the same thing and generally agree with it. Why shouldn't I be able to walk to CVS and pick up a bottle of heroin and various prescription drugs? I'm an adult; I shouldn't even owe anyone an explanation.

At the same time, I think we would need to concurrently ban drug advertisements as other countries have. To me, that seems like a better balance between treating individuals as adults with autonomy and minimizing harm on the macro scale.
Posted a few times, sunk into a swamp:

[0] https://news.ycombinator.com/item?id=27420273 (0 comments, 8 days ago)

[1] https://news.ycombinator.com/item?id=25252053 (1 comment, 7 months ago)

[2] https://news.ycombinator.com/item?id=14113293 (0 comments, 4 years ago)

[3] https://news.ycombinator.com/item?id=10286841 (0 comments, 6 years ago)

and

[4] https://news.ycombinator.com/item?id=10111589 (0 comments, 6 years ago)

Despite lack of interest from HN, an amazing service that also allows one to see at a glance where to find a parser library for a particular language.
It does not. If you will please re-read what I wrote, you will see an analogy.
Why is there an obsession with Flying Cars? The last thing I ever want to see is the average American driver or below average American driver flying a car. Anytime I think of a person who "rolls coal" or gets angry driving, I shudder to think that someday, they might have access to a Flying Car.
> I seriously urge you to check your cognitive dissonance to the situation as a whole. This is literally the definition of political theater

You have Republicans who chose to impose lockdowns and mask mandates.

You have Democrats who chose to impose lockdowns and mask mandates.

You have communist run countries who chose to impose lockdowns and mask mandates.

You have democractic run countries who chose to impose lockdowns and mask mandates.

You have many other countries of various political entities that all chose to impose lockdowns and mask mandates.

To me it seems like a cross-cutting concern that affects everyone no matter their political leanings.

Now the decision to have lockdowns and mask mandates where you reside is obviously political, that's the point of politics, to dictate the laws and regulations for residents in a particular place, but I don't see a political motive behind it. The motives seem very much about controlling the spread of Covid within an area and balancing that with the economic impact. Politicians will make their own assessment for this and determine the public policy they think best manages the spread and maximizes the economy.

I would say there is some appearance of political motives from politician who seem to play the "conspiracy" card. Those seem to have self-driven motivation. But I really doubt any politician putting lockdowns and mask mandates in place is having a good time, being the one to do this is possibly a career ending move, it's a big deal, and I can't imagine what political driver you'd have for it, beyond wanting to not cause a mass spread of Covid in your population and look like a failure at preventing it.
But a hospital doesn't do 1 surgery, they do thousands. So that one 10x doesn't really change the average cost very much. This is just an excuse by the hospital.
I'm fully aware of what S mode is.
A family member bought a 600€ laptop from Dell that came with Windows S. To unlock it and allow said family member to install software that is not on the Microsoft Store (which is to say, any software, really), we had to setup a Microsoft account, as otherwise it was impossible to unlock it.
And by the way, I doubt it's anyone's choice to use S mode. It certainly wouldn't be mine.
and tax-free to boot.

I have an HSA, but I'm painfully aware of how it's just another boondoggle for the wealthy. I can dump cash into it on top of the limits for my 401k and IRAs, and pull it out tax-free with no limits once I turn 65.

Another good example of how an idea that sounds fairly good on paper turns out to be another benefit for the rich in real life.
Maybe I just chose the wrong physical place to live amongst a bunch of shallow, narcissistic, Millennial, "party hard, bro!," "stock broker"-types who emotionally failed-to-launch past high school.

All the dudes I swear have an IQ about 105 and do exactly the same thing: show off their muscles everyday at the pool and try to impress the ladies with their physiques, their sunglasses, and backwards hats.
You repeatedly damaged your skin to maintain the tan.
> When IBM stops supporting some technology, you can be certain that it is absolutely commercially dead.

IBM exited the desktop/laptop PC market in 2005.

“Absolutely commercially dead” is not quite how I would describe it.
There is some 3rd party software for remarkable, but mostly to enhance the standard operation of the tablet, i.e. reading, drawing and writing. I really wish a better open source launcher and more apps were written. I would prefer to check a checkbox and sync my todos off the tablet rather than write them out then erase or cross them out them when done. Or use an app for habit tracking, etc. There's a big underserved market here. I am going to give a go at building something if I can find the time.
http://www.5z8.info/best-russian-sites-for-bootleg-everythin...
In Germany there's a proverb: "Differenzieren ist Handwerk, Integrieren ist Kunst" - differentiation is craft, integration is an art.
Oh wow. I remember writing my first website and coveting those little banners. All the real websites had them outline their community associations and capabilities.

Oh, my website is just a bit of text in some awful arrangement of neon colours that work in every browser? Better have an animated badge for each browser so that the people know, because the people must know!

Excellent find!
You are repeatedly damaging your skin which is why it's darker.
How is that? Isn't the minimum vacation time in the EU around 20 days?
I'm Ozzie, co-founder at Monarch. I've written a few HN posts before about our philosophy, both of which made the front page here and generated some interesting discussion:

1) "Disrespectful Design – Users aren’t stupid or lazy": We respect our users and treat them like motivated, intelligent adults -> https://news.ycombinator.com/item?id=24461365

2)"Is revenue model more important than culture?": we've chosen an aligned business model so we don't have to show you ads for credit cards, etc: https://news.ycombinator.com/item?id=24543510
https://neonaut.neocities.org/cyber/88x31.html

Why 88 by 31, anyway? Who started this? A Quora poster speculates GeoCities started this trend when they provided 88x31 GeoCities buttons for their users, but the contemporary source she references actually says the trend was started by Netscape.
Looks neat, failing on city lookup for me.
"why one place picked something" doesn't require special reasoning like "why everyone picked something" does.
> You haven't answered why IRC still matters.

(1) It requires so little computational power on the server or clients that it's a lot more environmentally friendly than some bloated pig of a modern chat "ecosystem." I can still use old hardware easily with it. And, unlike most of the new chat stuff, it runs on low power ARM boxes nicely.

(2) It's lasted 30 years, and the Lindy Effect would argue it will remain relevant far longer than any of the hip new platforms of the year.

(3) It's not centralized. Discord is centralized. Matrix is less centralized, but matrix.org is still pretty effectively centralized for most cases. IRC is distributed, has been so, remains so, and it's utterly trivial to start up new servers.

Clearly, you see no value in it. And that's fine. Plenty of people see value in it, and... as one of them, honestly, a lot of the new people who show up for 5 minutes and then leave when nobody answers instantly are pretty annoying anyway. There's several decades of established culture, and it's quite easy to find writeups on the proper way to interact with IRC, but a lot of people don't bother and get irritated and then leave. Fine.

You appear to be making a bit of a "Other systems are better because they're new!" sort of argument here, and not everyone shares that viewpoint.

But Element, running on a modern machine, is using almost a gig of RAM. Hexchat, running on an older Pi, connected to quite a few networks, has expanded to almost 100MB.
Right, you could steal the model by querying lots of images and using teacher-student model distillation.
Could you go into a little more detail on this and/or provide references?

This is the first time I'm hearing about a link between omega-6 oils and sunburn.
Exactly, the substantially higher salaries for tech workers in the US allows them to attract the best and brightest from all over the world.
My intention was to point out that “you just need the desire to pursue it” is often not just a “you” problem, unfortunately, since people are heavily influenced by their environment.
So, it's just a statistical reality that kids in poor areas don't want to learn, and that's why the results show poorer people doing worse in education that rich people?

Interesting hill to die on, but you do you.
On the contrary, the end-to-end federated Internet was doing just fine before Google came along, and will do just fine, perhaps better, when it's gone and no longer trying to co-opt every god-damn standards process for their own preferences. No-one has a monopoly on innovation: most inventions are driven by necessity, and large companies stifle genius, they don't foster it. Far from being the greater good, Google is remarkably pig-headed, and often downright incompetent outside of selling ads; even the usefulness of their flagship search is in decline.
>It's kind of an interesting problem because Google drives cars around and reads the all the networks and saves the location for use later.

It's worse than that:

https://www.nytimes.com/2012/05/01/technology/engineer-in-go...

A Google engineer went a step further, however, the F.C.C. report said, and included code to collect unencrypted data sent from homes by computers — e-mails and Internet searches — as specially equipped cars drove by. That data collection occurred from 2007 to 2010.

Google long maintained that the engineer was solely responsible for this aspect of the project, which resulted in official investigations, some still unresolved, in more than a dozen countries. But a complete version of the F.C.C.’s report, released by Google on Saturday, has cast doubt on that explanation, saying that the engineer informed at least one superior and that seven engineers who worked on the code were all in a position to know what was going on.
Is the real purpose of this deal money-laundering by organized crime? DraftKings was supposedly losing money, while SBTech makes money illegally.

The BTi/CoreTech CEO was formerly the CEO (and previously CTO) of SpotOption, the binary option scam run out of Ramat Gan, Israel.[1] That was a big operation. Out front were the fake "binary option brokers", in reality bucket shops, such as Banc de Binary. SpotOption provided the back-end services, while the front companies ran call centers to recruit more suckers. Some of the front companies appeared to be operated directly by SpotOption, although that was never entirely clear.

Until 2017, it was legal for Israeli companies to scam non-Israelis in this way.[2] When the binary option business was made illegal in Israel, the companies were given three months to move to another country. "Officials say that numerous Israeli-owned binary options firms have already begun moving to countries where the activity has not yet been banned." SpotOption moved to Bulgaria.

The scam goes on, under new names.[3] "Since then, some scammers have shifted to schemes involving forex trading, CFD or cryptocurrency speculation."

So that's the back story here.

[1] https://www.timesofisrael.com/sec-charges-israels-main-binar...

[2] https://www.haaretz.com/israel-news/business/israel-bans-bin...

[3] https://www.timesofisrael.com/german-police-raid-call-center...
Common Misconceptions (Chia)
Would this work better in a decentralized environment with high number of consensus nodes? The protocol will work to ensure the outputs are more trusted
Forex 4 U
Was it your intent to conflate things that are arguably necessities for participating in modern life ("smart phones, unlimited data") with things that are not ("eating out 3-4 times a week, uber eats")?

Because when someone pushed back on you, saying that smartphone ownership now is like car ownership became at some point in the past -- a necessity -- and then you changed it from "smart phones" to "the latest hot gadget".

So it's no longer clear whether you think smart phones and unlimited data are indulgences like ubereats is, or where one might draw the line according to you.
It fit the font they chose. The designer probably didn't care how many pixels were in the image so long as it looked ok on their screen.
I've forgotten how to do most of it and when I look at it now it's hard to believe I was ever able to.
Same, looks like quota exceeded.
For anyone nostalgic for this type of old/weird internet, you should check out TikTok before it becomes too commercial/formalized. Still a lot of weird/random/raw stuff on there.
For someone engaged in this business, would there be any particular reason to be based in Suriname?
Not sure why the commment by fsflower quoting echelon is downvoted. I think he points to reasonable observations by echelon:

The new cold war is here. The narratives everywhere are starting to change in support of it, and I wager that the rhetoric is going to continue to escalate.

Suddenly "lab leak" isn't racist and isn't implausible.

Biden is going to go cozy up with Putin, which was at one time unthinkable.

Reddit and other social media has drastically shifted tone. Patriotic voices are upvoted, positive opinions on China downvoted.

Supply chains are moving (especially semiconductor supply chains and critical components).

One of the things I'm surprised by: Thinkpads are getting criticism. I was looking to buy a new one the other day and there was hostility in the forums over China.

On the other side of the ocean, Chinese propaganda has heated up too. Yesterday state media supposedly published an image of the G7 as The Last Supper.

Those UFO drones are probably either China or the US.

Where will we be in five years? Is this going to continue escalating into more than just words?
Interesting - thanks for writing up the differences.

For me, lack of android is more of a feature for this kind of device.
Windows 11 has leaked: Here's a sneak peek before next week's launch!
Also disappointed by this. Vercel has increasingly been putting out more features that are tucked behind a vendor-lock.

- `next export` when using `next/image` doesn't have a sane default

- Running a custom server means no deploying to Vercel. I understand that one the most, since Vercel has decided to lean on serverless

- Next.js Live can only run on Vercel

I still reach for Next.js + React first when starting a new web project, but have since replaced Vercel with Render because more times than not, I need to run something that just doesn't work on serverless. Been a user and fan since v1.0.0, and have only just started noticing some features that go against the "sane defaults, config available" ethos that seems to be core to the team.

No hate, just observations.