skysight-inc/HackerNews huggingface dataset:
I guess I'll be the lone voice in the wilderness. We've been perfectly happy with Zelle.

We use it a couple times a month to pay service providers, send money to family. Never had any issues with it, don't need an "app" for it, works with our normal bank stuff.

Similarly, at the same time, we got a check recently from a settlement. We plonked it into our account, and it bounced. It was a large settlement (i.e. lots of people), and the law firm in charge of writing the checks messed up, and thus canceled all of checks and re-issued them a couple weeks later. It was a big deal. Stuff happens.

Hopefully BofA owns up and refunds all of the overdraft problems, but they can't roll it all back. Bouncing checks have repercussions out of the banks control (landlords tend to frown on bounced checks, for example), which behooves them to be more diligent about things like this that can impact that.

The big problem is that people are out of the loop for things like this. Computer pulls the money back, computer bounces the check, computer notes the bounced check, computer tells the other computer you bounced a check, computer craters your credit rating. There are no "people" involved in this, it's all procedures and rules and such encoding is the "logic" of one of the most inscrutable creations man has ever created -- the computer. And people have to scurry about to compensate for the vast ripple effects these things can have that impact peoples lives.

So, hopefully BofA cleans up their end, but more importantly, hopefully everyone down stream is patient with those affected and helps them recover as well. And, finally, no doubt a legion of scammers will crawl out of the wood work leveraging this event to gain some advantage. Way of the world.
You let someone use your phone and they were able to open BoA app and transfer funds without your knowledge? I don't fault BoA for ignoring your claim, that's like handing someone a credit card and acting surprised when they use it and wanting the CC company to refund your money.
If you’ve covered eager evaluation, the substitution analogy mostly works.

What you’re showing is lazy evaluation which is an alien concept in Python land.
Examples of Problems with Integers
Is that the same Anders Hejlsberg who developed Turbo Pascal and Delphi for Borland, another company which microsoft successfully crushed in the 80's and 90's? (Hint: It is).

We could have C# 30 years before we did if it weren't for microsoft.
You are perhaps placed very well to create an outsourcing company that serves the interests of Africans extremely well with entitlements, leave, healthcare, retirement, education and training and gives companies access to a lower cost workforce.

You probably would need to lead all your corporate messaging around the points you have raised, and how much further your company goes than the minimum.
1Password certainly added a ton of new features recently :)

Did you check 1Password developer tools, like SSH-agent server, git commit signing, and CLI?
https://developer.1password.com/

Or the new item and file sharing.
https://support.1password.com/share-items/
two words: “Cambridge Analytica”. It all happened over TLS.
I personally just do a way worse job at my full time job :)
What's nice with this is that it automatically fixes itself: once you've jumped enough that no new employer wants you, you (have to) stay at the same one long again to be a good candidate again, assuming you don't get fired.

Though after reading HN long enough, I have to question whether you ever end up in this relatively bad situation, especially if every jump was basically a promotion.
Not necessarily. Some small business use their cash to buy stolen goods. For example it used to be quite common for restaurants to buy stolen meat using their cash. You can also pay your staff in cash for some of their hours. Both of these are hard to catch unless you actively have people on location tracking the business. Plus removing cash can make other crimes less appealing (like buying stolen meat).
> it would not be able to save 5% of the workforce from getting fired

This part of your statement has no relevance given MS's position, even taking into account the current market.

MS as a company is in no danger here. In fact, they are doing quite well.
> I wish this were true, unfortunately it's not. Most homes in the US, including freestanding SFHs, use recirculating range hoods.

We must have very different anecdotal sample populations of single family homes, because I've only ever seen the recirculating types in condos and apartments, where they are done that way due to space/ducting constraints. But there is very little data available on this question. The closest I found was in this study relating specifically to California:

"A survey-based study of 1448 detached houses built in 2003 reported that 80% had range hoods exhausting to outdoors and 4% had downdraft ventilators, while 13% had recirculating range hoods and 3% had no range hood or did not know [34]"

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7729668/

Those stats echo my own observations in two places: California and the Midwest. But it's possible that it's completely reversed in other places. Building codes can vary a lot, after all.

I completely believe that recirculating fans are more prevalent in low-income resident properties, though. That's also something I've seen extensively.

> Externally vented range hoods are both quieter and are actually effective, and train people to use them once they're exposed to them.

People are really bad at diligently doing inconvenient things, even if it means an improvement in their health. My dentist is always on my case about flossing more, but I end up starting up a week or two before my cleaning. Also, we are bad at evaluating invisible or quotidian risks, which is why many have an incorrect understanding of the risks of flying vs driving.

The long term solution to this problem is to require automatic makeup air ventilation systems for all kitchens in the codes, but that will probably be a long pull. As for indoor gas stoves, I imagine with time they will have the same trajectory as ICE cars. Remember that gas stoves were once the novel high tech replacement for wood and coal stoves, and also on the basis of the improved health and convenience, just as induction is today.
I don't think it's actually a case of "spend less and you can save for some goal, like a home" but more like "why spend less now when no matter how much I save, even my whole paycheck, houses aren't going to be affordable to me EVER". I have a really good salary, but where my family lives we absolutely cannot afford to ever buy a house, based on what inflation looks like. I could save everything we had except for rent and grocery costs and we still couldn't save at a rate to match home inflation for the past 10 years. Don't say to "just move", because our roots are here and that's absurd to suggest that we cut ties with everyone we know just to have a chance at the old "american dream".
Same was said about LastPass many times and look at what happened, everything turns out to be a false promise.
Because they're designed to be addictive.
Leave it as a reply to this comment.
The two examples given early in the article, Apple and Microsoft were basically both started by a couple of guys in their garage. Not a whole lot of capital was needed initially. Sure, in later stages of both companies capital was needed, but the initial development stage were mostly self funded (some loans from parents likely involved at some point). Capital was way more expensive in the 70s when both of these companies were founded than it is now.
It is not exactly the same thing. The commenter you are responding to is looking to avoid overdraft, not having an insurance on overdraft.

I'd agree with the idea of avoiding overdraft entirely unless a customer signs up for it. I don't want transactions I can't afford to go through. I manage my accounts quite closely. For me such situation would be 99% an unintended transaction that I would like to cancel.

By letting such requests go through, banks put the burden on the customers to clean up after a wrong or, in many cases, illegal transaction.

YMMV.
And a side note, before got to this thread was looking into bun code and saw your commits, you're very productive man, congrats!
https://www.kenn-dein-limit.de/alkoholberatung/informationen...

You can definitely buy beer.

> Does this not support the authors point that he had to work hard to find these places?

Just because a tourist is too ignorant to find these places doesn't mean they don't exist. There are plenty of them. They are mostly old-school and don't have big ads outside. Use google maps. There are plenty.

> Private payment processors (like MasterCard and Visa) can for any and no reason refuse their services. Ridiculing and dismissing the author's concern by pulling out the "big scary globalism" straw man is disingenuous.

If you're pushing for cash-only or card-only other than for tax evasion reasons you're pretty much ideologically tainted.

Otherwise, I'm no longer going to discuss this "journalist outlet" that is just a mouthpiece for alt-right propaganda. Especially one that can't differentiate between germanic and german.
Are there any plans for a REPL?

And thanks for bun! It's been impressive and inspiring to watch.
I appreciate the table of contents moving to the left-hand sidebar, needing to scroll back to the top in order to navigate a long page or get a permalink was always an annoyance.
https://www.reveddit.com/v/personalfinance/comments/10f8042/...
Interesting, I use ms sql a lot so that’s actually a plus for me.
Why does Africa need charity? Many countries didn’t have to beg for a special feel good rate to improve
Also the dual is true - bigger risk of failure is acceptable. Normal business investor typically cares between bankruptcy and having merely poor RoI.

Startup incubators would rather have their 999 startups go broke and the 1000th become "next Google" than have average RoI on all 1000.
The issue is that there are a large number of products/companies (I think the vast, vast majority) whose addressable market size isn't that big, but when they take VC money they do all types of unnatural things to try to grow instead of focusing on the couple things they were really good at. Couple cases in point:

1. Totally agree with the comments that VC funding absolutely killed LastPass.

2. Twitter is probably another good example. Twitter was a really large business, but they were constantly wringing their hands about what they could do to get as big as Facebook or Instagram. What if the answer was always just "No, you'll never be that big, just don't even try". So instead of improving their core bread-and-butter (and fine, easy to argue they didn't even do that super well), they wasted a ton trying to get users who were never going to use Twitter in the first place.

3. Very closely related to this idea about "When large sums of money become toxic", the private equity consolidation in US health care is another ongoing disaster. PE comes in with the promise of "streamlining operations", but instead they are just vampires, cutting stuff to the bone so that the health care system isn't able to respond to spikes in demand (e.g. Covid): https://www.statnews.com/2022/12/14/moodys-private-equity-he...
And an additional fee it's it's 'overnight' and another fee if it's international.

Then they do a three-way call between the parties and the banks to verify the transaction.
Thanks for sharing -- will dive deeper. This has been keeping me up at night recently...
An open source Python project CI pipeline
Zelle, what they're complaining about here, is that. It's not a third party app.
This seems like a remarkable oversite on BofA's part. I'm with a comparitively tiny US credit union, and even their app demands a pin code to return to it if I switch to another app mid-session.
That used to be true, but most places in Berlin nowadays accept cards. Even some "Spätis" accept them these days!
1. What is the difference between this and HomePod version 1? Because I'm struggling to see anything different to the original.

2. Does it come with a removable USB C cable or are you stuck with the stupid, permanently attached 1m cable that requires you to buy either power or USB C extension cables rather than just a longer usb c cable if you want to use it anywhere where there's not a socket?
Unfortunately, that's all that it amounts to: Rhethoric.
RTX 3090/3080 are great value for ML/DL especially at used prices.
Sending money to a scammer tends to be an authorized transfer; you made it yourself, intentionally. The Zelle page you said itself states "Because you authorized the payment, you may not be able to get your money back."

I would not hang my hat on a Regulation E complaint in this scenario.
do you think it might be too “living on the cutting edge” to adopt this yet?
Sending an ACH is nearly free, banks just don't expose it because of the very poor experience when you get one of the numbers wrong. You can ACH people all day with Transferwise.
That happens a lot in many segments of the population. When my uncle was detective, there were similar incidents among the orthodox Jewish community, as the cultural preference from the diamond trade was instant settlement. It’s also easier to move gold across borders. Many folks were hesitant to call the police which made it worse.

Prepper people get targeted alot as well. One dude in my hometown was a victim of a home invasion, held hostage and lost about $250k of guns, ammo and silver. You don’t hear alot of about this stuff because typically these communities are not exactly following the letter of the law from a tax perspective.
This all started with "they're ridiculously expensive" and ended with "there's nothing else in the market". Those two are intimately related.

The complete package is reasonably priced, when compared to other systems. If you completely ignore one part of the package, then sure, you can find something comparable, as my initial comment pointed out with the portable desktop replacements.

But the price on the shelf is for the complete package.
How about a reverse ban where all fundamentalist religious bigots are banned instead?
Coastal counties make up 40% of the US population. The myth of the "Average American" being some hick in Wyoming is just patently false.
I'm always amused at how little cross-promotion Marshall does - he has decently large followings in two completely different contexts and most of them are completely unaware of each other.
I'm not sure what you mean on the google map you show.

Personally, I would just go down Lexington Street which is one block over and no traffic. I see these bike lanes in super heavily traffic arteries and no way would I personally go down them. All it takes is one tiny slip on the part of the bike rider or the auto driver and you end up as a grill decoration.

I'm NOT anti bike. I just think as a bike rider, you have the responsibility to figure out alternate routes. I would feel this way for myself. I don't ride a bike now, but when I did, I always tried to find alternate routes that kept me off main thoroughfares. Maybe you do, I don't know, but that's not my point, really. I just think that there are a certain vocal minority that wants the same rights on public roads as automobiles have, and that is the only reason. And they do, I always give bikers wide berth and respect them. But the fact of the matter is that main arteries are by nature going to be more dangerous, even with those little tiny bike lanes. What is the problem with going the side streets, if you can? I'm not saying it is always possible, but when it is, why not?

I work on a major thoroughfare in LA but walk every day, but do it on the side streets. It's a million times better - no traffic noise, no cars. As I said, I can walk right down the middle of the street, which I have done on occasion. For sure I can do that street crossing where you saunter diagonally across the road, not worried about a crosswalk. Every driver that goes by is going 25 mph, so easy for each to see each other and reaction time is better.
And if the claim isn't true? Did anyone in government actually verify it? Did the drug trade stop?

If the claim is true, shouldn't the 100€ note also be taken out circulation? In fact, all notes? Where does one draw the line?

Perhaps money is the root of all evil. Be it digital or plastic or paper.

Drug cartels actually also use stolen artworks as currency. Which would now make an interesting study to see whether art crime actually increased since the 500€ went out of circulation ;)
Talk about a story with a political agenda.

Just seems like a plain old political outrage clickbait article with the words ChatGPT bolted in to make it topical. The kind which I've apparently developed a new dismissive reflex towards.
That photo of the Beerenberg volcano in the first part of the article is stunning.
Vinyl has a feature digital music does not: Lack of instantaneous random access.

This lack fundamentally makes vinyl an existentially (as in Sartre) different listening experience.
I feel so happy that we have created "billion dollar global platforms" instead of universal healthcare or ensuring everyone was sleeping indoors. Woo-hoo!
As is with all things in the JS world, I usually ignore new things until they have some traction.

Is Bun ready to be used for production projects?
Is the main value to the expression debugger that it makes explicit the order of evaluation, or the specific intermediate values? (or is it pretty much both that provide the value?)
https://www.desmog.com/judith-curry/

> Judith Curry resigned from her position at Georgia Tech on January 1, 2017, citing the “craziness” of climate science ...

> Judith Curry wrote on her blog Climate Etc. that her views on climate change are best summarized by her Congressional Testimony on the President’s Climate Action Plan: [6], [7]

> “Recent data and research supports the importance of natural climate variability and calls into question the conclusion that humans are the dominant cause of recent climate change:

> – The hiatus in global warming since 1998 – Reduced estimates of the sensitivity of climate to carbon dioxide – Climate models predict much more warming than has been observed in the early 21st century”
I would expect no less from the king of data mining. I'll use Google's developer tools, but the first thing on my mind when I install them is "Where's the opt-out for the analytics?"
Not yet, we haven't released our docs site yet either. Probably won't be there in the first release of our docs, but this is something we should do

If you're familiar with Node, Bun should feel familiar except you don't need as much tooling to use it.

Things like TypeScript, jsx, loading .env files, Jest-like test runner etc just work. You can use the builtin TypeScript/JS LSP in your text editor instead of installing a separate extension. You can import packages from npm without the "npm:" specifier. It's worth mentioning that Bun doesn't support HTTPS imports yet, so you'll need to use npm - but bun has a very fast builtin npm client. Like deno, you can often skip running `bun install` or `npm install` entirely for bun because bun will automatically install dependencies from npm when there is no node_modules folder
Seeing as only a few % of Americans achieve what you are saying I don’t think it’s strictly true. Maybe if you want to fatfire or something
But they want to pay extra for expensive OCR software to parse it out instead?
This is a great discovery! Have you tried tying developer pay directly to these metrics?
> pay service providers, send money to family

how does the recipient of a zelle transaction know if it’s tax worthy (aka needs to go on 1099) or just sending money to family? i don’t see a way to “tag”/“flag” transactions

same goes for cashapp
> they could offer the "entertainment" for free

But free slot machines aren't "entertaining" though. People get addicted to slot machines, and other forms of gambling, because they make you put skin in the game and so your brain's chemistry goes all over the place when you win or loose giving you various highs. You don't get such highs when everything is free and you have no skin in the game. It gets boring instantly. But once you put your hard earned cash in, then it gets interesting.
And yet they don't censor women who aren't in hijab. Should you be using facebook and instagram at work? I know I don't.
PayPal/Venmo/Apple Cash also support instant transfers through this method - basically it just charges a negative amount to your debit card. It's not always free though, and most people don't actually need "instant" unless they're standing in front of an ATM.
Exactly, bIg > lIl
You are absolutely correct - Tesla's own report acknowledges this, but it also highlights how this safety stat is dwarfed when autopilot is active: https://tesla-cdn.thron.com/delivery/public/image/tesla/5f93...

Reference: https://www.tesla.com/VehicleSafetyReport
You understand that if things touch each other the heat transfer isn't from radiation right?
Many manufacturers are headed that way. Why are we building things that are held, dropped, put into pockets, tossed, etc out of glass again? Even on the surfaces that don't need to be.
> I don't understand why overdraft hasn't been outlawed.

It's a felony to write a check that you don't have the funds for.

Oh, you mean for the bank.
Ignoring orders in the military is a good way to end up in prison.
me life or career not change so much at age milestones.

changes for me were more life events. marriage gave me partner but it was several years living together to really understand spouse and show proper love respect understanding they deserve. honestly I was just young and naive.

life and personal goals improved for better having first child. it gave opportunity to reprioritize and focus on what most important to me. working 70-80 hour weeks was feather I felt in my cap. good to have hustle but it was first time i truly empathized with coworker who have child and not work so much. and me realized working so many hours and relentless focus on productivity not most important thing.

other important lesson from working with difficult people and bureaucracy as my employers size ballooned. had experiences with intellectual dishonesty where my contribution credited to others. felt upset but mainly learned maybe my priorities and focus would better serve in me own company. why work so hard and help someone else become director or senior staff and give me ideas to company patents? I decided to start me own company.