skysight-inc/HackerNews huggingface dataset:
Indeed. That's such a surprise! Every time.
Show HN: I spent 2 years building a personal finance simulator
Hey everyone! After another year of building as a solo dev on nights and weekends, I'm back with an update on this post: https://news.ycombinator.com/item?id=31083093.

TL;DR - ProjectionLab (https://projectionlab.com) is a privacy-friendly personal finance planning tool where you can create financial plans that go beyond the standard online retirement calculators. And by popular request, it now supports self-hosting for Lifetime users!

Something I'm grateful for is that our community here on HN is the difference between PL existing and not. There was actually a time early on when I was one day away from halting work on it. I posted here on a whim, and was shocked to receive some really constructive and energizing feedback that went on to power my indie dev journey over the past two and a half years.

As a quick recap, the story started when I dove head-first down the financial independence rabbit hole. I wanted a hands-on and visual way to explore the trade-offs between different life paths. One thing led to another, and I decided to build ProjectionLab.

After last year's Show HN, I really put my nose to the grindstone, and here are some of the big developments:

- Self-hosting for Lifetime users (spin up your own private deployment, based on Docker Compose, includes support for auth/encryption)

- Cash-flow visualization for each simulated year (sankey charts)

- Tax analytics (detailed breakdowns for projected income, taxes, marginal rates, effective brackets, etc)

- Major redesign of entire app, with landing page and resources now split into separate project

- Filing separately option to improve support for international locations that don't have joint filing

- Roth Conversions and 72t (SEPP) distribution modeling

- Improvements to US tax estimation (Secure 2.0 updates, rental property tax deductions, Medicare + IRMAA, NIIT, principal residence exclusion, etc)

- Better support for planning as a couple

- More modeling options for cash-flow priorities to support different budgeting philosophies and goals

- Extra liquidity + withdrawal options, ability to fund expenses with specific accounts or route income to specific accounts

- Customization options for Monte Carlo simulations (characterization of success rates and outcome types, option to set random seed, etc)

- And a whole bunch more! (https://projectionlab.com/changelog)

The HN community has had a huge role in shaping my overall direction with PL, and I can't wait to hear what you all think of the updates and where you would like to see things go from here.

As always, PL is free to try, with no need to create an account. It does not ask to link your financial accounts, and it has a sandbox mode if you just want to hop in and see how it works.

--Kyle
kldavis4 was meaning that everyone pays the same higher price to account for the fees present in card payment processing, regardless of whether they are paying in cash, be debit card, or by credit card.

> Higher cash prices are a violation of the card-holder agreement.

I think what you are meaning is “higher card prices are a violation of the merchant agreement” – so a merchant can't offer different prices for cash payments to account for differences in processing costs or they risk losing their merchant account with the card/payment processing company.

In some places this is no longer legal¹, you'd have to check your local legislation to know what applies in that regard where you are.

Also the reverse, offering discounts for card use rather than cash², is illegal in some places because it is unfair to those without cards⁴.

--

[1] so card processing companies can't (legally) punish merchants for offering a discount for cash

[2] usually because the merchant gets a kick-back from the card payment processor, though sometimes these days it is because cash has become the minority payment method³ and vendors would rather only deal with one so want to further discourage cash

[3] it is worth noting while discussing potential costs or kick-backs for card payment processing, that for businesses the act of dealing with cash has associated admin and/or costs too

[4] which is disproportionately the disadvantaged, because they find it harder to qualify for any card, or can only qualify for one with a monthly charge that they can ill afford
> Prove, no - but the best argument for a "God" is the simulation argument.

It’s not “the best” argument; it’s just a popular one mostly publicised by people who think they know quantum mechanics. I am sure there is some sampling bias, but I have never seen someone who knew a lot about Physics believing in it (quite a lot of them are religious, though, but mostly in a classical deist way).

> Space and time is quantized at the planck scale, which strongly suggests that our known universe is a simulation.

There is no proof whatsoever that “space and time is quantized at the Plank scale”. You can build thought experiments about this being the smallest distinguishable length because of black holes, but even that implies making quantum mechanics and general relativity work at scale about which we know nothing. And even that is a far cry from spacetime discretisation.

It’s exactly the same mechanism behind the creation of gods: at the time the most powerful things people knew were themselves and awesome natural events, so they imagined them that way. Now that we’re all about computers it is tempting to see them everywhere, but believing that it is the case because of some tenuous superficial similarities is a fallacy. In exactly the same way that von Neumann machines are poor models for a human brain even though on the surface they have similar functions.
Is it also banned if you don't make noise, like when using a scythe?
“We’re in Learning Loss ” Cashing in on the Post-Pandemic Education Crisis
As I understand it, they bought a very small TBM and dug some small tunnels cheaply, and then claimed that the cost is somehow comparable to the cost of big tunnels that have to be dug with big TBMs (which is obviously orders of magnitude more expensive).
I respect your opinion, and agree that with some particularly "thin" fonts (most notably, Computer Modern and its variants), the associated bold symbols are too exaggerated and produce and ugly effect.

But there is certainly some dependency on the font. For example, the Baskerville used by the Publications de l'IHÉS is a much thicker font, and the bold letters flow very naturally. Look for example here

http://www.numdam.org/item/PMIHES/

The publications in the sixties and seventies, which are scanned, are very beautiful and the bold letters mix smoothly in the text. You cannot see them "from far away" as happens with Computer Modern.

Curiously, the modern pdfs look slightly different, with apparently thinner fonts. This may be an effect of printing, that smears the ink a bit and produces slightly thicker type?
Agree--the adoring fans, the huge amounts of money, the years of "this guy is the real-life Tony Stark!" talk went to his head, and he sort of became a parody of his worst impulses.
I think it’s a great idea. Keeps things fresh to change branding from time to time. I do think they should keep calling posts tweets though.
"Deliberately blind" implies the use of encryption (by a platform or provider).

One solution I think is to provide a user side toggle or option to enable encryption. Then it is not deliberate from the provider's perspective, but a user choice/preference. And it is not unreasonable for the user to expect privacy (encryption), ergo this choice defaults to encrypted.

At worst the provider is intentionally blinded by the user, and not deliberately blind.

But do we move the argument back to whether including (the choice of) encryption to mean deliberately blind?
Look, Twitter's death sentence was signed when Musk bought it. Profit was always <<< interest payments of the money he borrowed for the acquisition. Twitter will die and this is a last hope to turn it into something else that might be more profitable to ensure it stays afloat for a bit longer.

I just don't really understand why nobody is angry at the old Twitter board for signing the deal in the first place. Yes, Musk was trolling and yes, they have apparently an obligation towards their shareholders to get a good deal for the invested money. But still, the investors in Twitter valued money first and "Twitter's role as global message board" had a lower priority.
It's not like he had a choice to buy or not to buy, as he was forced to buy it because of his earlier theatrics.
And then "zzzzz" when the fanboys jump in to justify
The one of these I don't hate was at Carrd. More of a toggleable full screen overlay with arrows and notes pointing to all relevant info.
https://carrd.co/build/6881ccd20d634611
iPhone 14 Saves Man's Life After He Plummeted 400 Feet into Canyon
Has anything Elon-doomers have said with regard to Twitter ever materialized? I still remember when people were sure it’d blow up if it didn’t have a constant supply of thousands of engineers doing… “stuff”. Are y’all really that naïve about how little most people in tech actually do?

Similarly here, are y’all really that naïve to think the branding matters at all compared to the user base?
No, this is a terrible metaphor, because the 14th amendment in this example doesn't exist.

Imagine a US without a constitution, but instead it just has a big body of case law and precedent to go on. The judiciary's role is to adjudicate when that case law contradicts itself, and to decide if a given new law contradicts the rest of the case law.

The Knesset is limiting the judiciary's ability to review such things, which to an American is now analogous to Marbury v Madison being decided unconstitutional.

Amazing how, even here, the arguments made about this issue are disingenuous to outright misleading.
Thats essentially what they do.

There is lots of handwaving about how they are technically just interpreting the Constitution and federal law, but the U.S. Supreme Court has made political, subjective decisions for as long as the court has existed.

Now, if SCOTUS explicitly and deliberately violated the Constitution, that would be... something. But this is impossible in Israel, from what I understand.
Actually no one but you implied anything of the sort.
Eliud Kipchoge's marathon world record

Jadav Payeng planting a forest by hand in India over the course of 40 years

Einstein's work in general relativity

Gandhi walking 250 miles to protest a British salt tax
TikTok is adding text posts
Great work! Would it be complex to add plain walking, or cycling options?
It's unrelated to HN. Copy pasting 𝕏.com into the address bar still leads to x.com

related: https://en.wikipedia.org/wiki/IDN_homograph_attack
Can't even view a thread without logging in now, got to hand it to Musk for reducing my Twitter usage from passive to non-existent.
> He ruined something that was, within margins, doing ~alright

The company lost an estimated 2 billions by the time Musk bought it, with about 200 million lost per year. It also managed to break GDPR laws, and have some of the largest data breaches.

I understand that some people got value from the platform, but a quick death might be the best for everyone involved.
X.com now redirects to Twitter. As recently as June 4, the website just displayed a plain text 'x'.
It’s not entirely true to say its creation was an accident, for a long time the Colorado river would sometimes flow there as it meandered, and in the 1900s there was an intentional effort to develop it: https://en.wikipedia.org/wiki/Salton_Sea
It's innocent in the sense that it's (usually) not checked out of laziness/complacency as opposed to malicious and intentional citation fraud.
> competent at achieving those goals despite not being explicitly trained for them.

Well (1) it doesn't achieve goals, since a "goal" is observer-relative. We have goals, the LLM has a formal optimisation objective which gives it the appearence of goal-directed behaviour (in a similar way, eg., that it appears pens want to fall when dropped).

And (2), reading your "goal" here even in observer-relative ways, I don't think there's much evidence of this. These models are "trained" on everything ever written, include all of the internet and basically all digitised book. I don't see any evidence of much generalisation -- if you can find it by google, then the LLM has it stored compressed (ie., the "weights").

The innovation in LLMs is being able to compute `max P(answer|prompt, historical_corpus)` for increasingly longer prompts --- there's no innovation in goal-directed behaviour.

That's VC propangada to disguise the fact that LLMs are mostly an innovation in copyright laundering.
Orthopoxvirus : https://en.wikipedia.org/wiki/Orthopoxvirus

Orthopoxvirus is a genus of viruses in the family Poxviridae and subfamily Chordopoxvirinae.

Vertebrates, including mammals and humans, and arthropods serve as natural hosts.

There are 12 species in this genus.

Diseases associated with this genus include smallpox, cowpox, horsepox, camelpox, and mpox.
I've used PlantUML. It's very nice.

However, it gets to be difficult to use if you've got complicated scenarios. It's very difficult to depict parallelism with PlantUML.
Is there a way to filter out the anti Elon comments on this thread?
“Best response goes live today.”
Your option (c) is idealistic monism specifically, since physical monism corresponds to materialism.

And then there's:

d) matter, energy, and consciousness all arise from or are different aspects of some single "substance" (neutral monism)

e) consciousness and matter are "radically different kinds of things" (dualism)

f) the question is unanswerable and/or incomprehensible to us (mysterianism)
Huh. The very first line seems pretty clear:

> If you remove the first word from the string "hello world", what should
> the result be? This is the story of how we discovered that the answer
> could be your root password!

Can you please expand on your question?
I have maintained that any US Public Transportation employee with any amount of agency/authority should be required to go to SEA (singapore, HK, Shanghai, Tokyo) and be required to go to meetings which are far from their hotel but they must get there via public transport only...

This will make their requests for more money/raises/etc seem absolutely insane when you compare what these countries/cities/agencies do WRT to transporting millions of people efficiently every single day - and not to mention just how clean such systems are.

When you go through stations in HK - you see well-uniformed cleaning folks all over the place.
It allows the attacker to steal data like e.g. your (root) password.
The shuttle might as well have been disposable for all the inefficiencies in its design. If it was really reusable and cost effective we'd still be using it. Guess what - we aren't.
jewish state, islamic state. They have more in common than you would think.
Religion poisons everything.
Shame about the author, it was a great little program to use.
$ curl 𝕏.com
<html>
<head><title>400 Bad Request</title></head>
<body>
<center><h1>400 Bad Request</h1></center>
<hr><center>cloudflare</center>
</body>
</html>
Main value props are low latency OLTP data in your DWH and lower DWH ingestion costs.
Depends... They were mostly all swappable. I've got a vintage arcade cab that has been converted to the "JAMMA" standard/pinout. Some PCBs (but not all) that aren't JAMMA can be converted to JAMMA using an adapter you put on the PCB.

It was extremely common in some places (tennis clubhouses, bowling places, etc.) to have one or two arcade cabs and then semi-regularly switch the PCB inside it. For some cabs you could even change the "marquee" (the top of the arcade cab, above the screen: typically showing the name of the game) easily too, so that it would match the PCB inside.

People running bootleg arcade cabs typically wouldn't bother changing the marquee: they'd just swap the PCB (typically for a bootleg PCB).
Twitter is everybody’s favorite popcorn drama! Or maybe that’s Reddit.
I would imagine unionisation is higher on Elon's list of concerns, although the Saudi backers will likely have that in the back of their minds too
That is one channel of throughput, and a mainframe can have many channels, though.
No I don’t, that’s actually just your political stance not an objective fact.
> That's hilarious.

You don't have to make change atomically. Eventual consistency is sufficient and very practical.
My guess is that this wouldn't be appealing to a younger crowd. Nostalgia is a hell of a drug, and it is the older folks with the interest and the cash to make efforts like these viable. For Edu, something slapped together around Retropie that is cheap and not difficult to assemble is already popular.
Yes and the legislature would have one less argument to enact mass surveillance if there wasn’t this “convenient” drug problem in the US. And if we had a universal healthcare system then maybe this wouldn’t be as big of a problem and politicians wouldn’t be able to use it as an excuse. Of course this wouldn’t prevent them from using other nonsense like CP to do it (see
: UK), although arguably that problem could also be reduced with healthcare.

These two issues are related in this case. What I’m basically saying is the government could attack the root causes of these problems but they won’t because mass surveillance benefits them in other ways such as monitoring dissidents and protecting the status quo.
As I understand it, some brands are strong enough and globally-applicable enough that you can't use them regardless of what you're trading in. If you were to sell "Nike sausages," I'm pretty sure you would get sued and lose in court. Other times, the brand is more limited and you can get away with re-using it.
Did you read what I wrote? When did I ever claim that Tesla or SpaceX were founded/not founded by Musk?
lol - SpaceX didn't surpass Blue Origin or NASAs contractors because of hype!
How can people be this sincerely deluded?
Is there actual proof he inherited the money?
If only Israel had a constitutional laws. In lack of the only democracy keeper is the supreme court
This isn't universally true, CA and NY have good community colleges where this works, but if you're from Mississippi or somewhere similar it's likely your community college won't be great and might not have good transfer agreements with state universities.
Search anything in 1900 videos of the WhiteHouse press conferences
Not if you can think of some predictions from that theory that would later be proven true.
They should have kept the paper as highly available replicated data.
Do Sarin, DeWitt & Rosenb[e|u]rg exist? Are they still alive? Tracking them down and going directly to the source would seem to be the way to go. Perhaps even enlisting some "big names" in the industry to ask around?
I wonder if there are measurable personality differences that predict how well someone responds to hyperbolic rhetoric.

For instance, the US has been doing down on the Economist Democracy Index in recent years. "Flawed democracy" is not totalitarian, but it's trending away from "full democracy" and cries of totalitarianism may well be responding to real concerns.

In the abstract, I wonder if it's better to raise such issues with incremental language and small arguments, or to raise them with hyperbolic claims, or to tailor to your audience, or some other combination.
>Identifying inefficiencies in an existing technical solution

I'm not sure that's true considering why he was (or the public story of why he was) pushed out of PayPal.

IIRC: He forced a port/rewrite of their platform to Windows (from Unix) that eventually led to a code freeze of the existing platform to allow the port to "catch up" to the existing platform. At the same time, they were hemorrhaging money due to fraud and they couldn't do anything about it due to the code freeze.
The mainframe exists because IBM and the devs respect the time and investments made by its customers.

There are efforts made to make sure code doesn't break and migrations are put in place.

Sadly only Microsoft and a few others share this attitude, and its likely why these companies and their products will be around forever.
This is featured the first time you ever bring up the software keyboard and then never again. You can see the behaviour by booting up a simulator. They do have an explainer, but it’s very easy to dismiss if you expected to just start typing.
translation: the UI is not exactly like im used to, and is not a duplicate of the product I wish to replace with another product for [reasons], therefore the world must know that it is garbage
I used the walkshed map (also supports bike, car, and transit) to decide which part of the city to live in.

https://app.traveltime.com/search/0-lat=43.64399&0-lng=-79.3...
The job was done in terms of market share achieved, and thus they divested their resources elsewhere. The mistake was to not invest more seriously in further development when Chrome gained popularity.
What’s wrong with this? A prescription would just be a doctors recommended amount of a substance and not a license to have an otherwise illegal substance as it now
https://stackoverflow.com/questions/33087256/how-to-gradient...

A developer running in to problems trying to use this
Show HN: PythonMonkey – SpiderMonkey JavaScript Engine Embedded in the Python VM
All you need is a CSS selector for the aria label and a click action. Once the voice transcription is done it’s 1 line of JavaScript. You’d have to rely on the aria labels though.
That’s an awful lot of speculative text about a person you seem to know next to nothing about.
This is honestly very 2010s brained. With modern LLVM-based compiled languages, we really can have our cake and eat it too in terms of doing most if not all of the productive things scripting languages will do, without the slowness of said scripting languages. Name one thing that Python can do that Rust/Julia/Crystal/etc can't (other than statements about the availability of some package), that researchers _need_ to have, that is also a _good idea and not a footgun_...
>What do you lose? 2-3 years of goofing off at a country club.

Depending on what you want in life, the social class you started in and the one you want to end in, that is worth a lot...
I wasn't being serious; I was saying he's doing such a good job destroying the company that you'd have to think it's on purpose because no one could be so dumb. I was being facetious.
Eventual consistency FTW!
It’s not just that it didn’t meet the standards of today; it didn’t even meet the cost-efficiency goals it was originally intended to.
Have you setup an iPhone ever? Literally the first time you setup an iPhone it walks you through onboarding and a guided flow.
> AMD Ryzen 3000 Series Processors

The above are desktop. If they meant APUs, it would list "Ryzen 3000 Series Processors with Radeon Graphics."
Yes, before the founders sold out, Paypal was very novel and unique. Now they seem to be more interested in tying up people's money to use for float as their primary business model, rather than providing value as a transaction clearing house.
I wonder why Confluence doesn’t include popular features all the time.
Germany to Pour $22B into Chip Production: Intel, TSMC to Benefit
Considering the history behind every "lifetime" plan I have ever seen in my life, no. They will all eventually change. Someone will buy the company, it could simply die, etc. There isn't a single entity you can trust in this scenario.

How likely is it that you are sent to jail for 20 years and still care about your emails? If so, download them all and store in durable media.