skysight-inc/HackerNews huggingface dataset:
> They are a convenience product at best and a predatory lending mechanism at worst
> just don't use credit cards
> Why do we need yet more government intervention to solve this?

I guess I'm a bit confused about your position here - you note that it's predatory, and then you continue on as if it's an easy choice: maybe we disagree on what predatory means?

I can't recall a single class in school or anywhere else that taught me about the dangers of credit cards and debt that grows cumulatively. Yet credit cards are aggressively marketed like candy through the mail and every time I shop at a big box store or even online. Not to mention other kinds of debt like student loans, car loans, mortgages, etc.

A lot of people don't even begin to understand the things they need to be aware of to make a truly informed decision to take on debt: compounding interest, amortization schedules, inflation, their budget and runway in case their income stops, etc. They do not do some quick back of the napkin math on how much extra they'll be paying during the lifetime of the loan, and whether that extra cost is worth it. And credit card companies are fully aware of this, and leverage it for maximum benefit of course. They jump at you at the situation where you're least likely to stop and think: you're spending a surprise 1000 bucks to replace your busted heater which is really gonna eat into your food and gas money - wouldn't it be great if we gave you 100 dollars off of that right now? Just sign up for a store card, it takes 2 minutes! Also, the minimum payment will be so low! That'd be the "predatory" part.

Just "choose to live without them" is not effective if you're both underinformed and poor, AND companies are incentivized to push debt on you. Heck - when I was a (supposedly educated) college student, I was hit by an overdraft fee: I bought some lunch, and later a snack from the vending machine. And I paid 20 + 20 dollars in fees for the privilege of 2 transactions totaling about 7 dollars. It made no sense to me: how could you spend money that you didn't have in your account? It just wasn't a thing in my home country. Should I have known better and read 15 pages of small print? Yes. Did I? No. When I called, the bank said I should be happy they've opted me in to this "service". If I had known, I would have just not made those purchases. I also ran into trouble trying to opt out. Predatory.

How do you propose we bridge a massive gap in financial literacy when we as a society are struggling with basic literacy and financial stability? I don't mean like 20 years in the future ("better financial education" which is the same as "hopes and prayers"), I mean right now. So that leaves us with not much other than regulation.

What this rule cuts down on surprise fees, which isn't nearly a complete fix. But it's an okay incremental improvement: it's one less thing to watch out for. Either offer a simpler, easier to understand financial product, or don't. There's no god given right to a profitable business, especially when it's not based on a mutually beneficial transaction.
Fun! I bought all the versions of this game off of EBay, and showed my kids how to play. My youngest struggled with the abstractions in the game, so I 3D printed a hex board and the airplanes. It took way longer than I thought to figure out all the moves, but I got it down with little template cards he could reference. The fun part is now we can play 2 planes vs. 2 planes, or 3 player!
Wrong, I'm saying late fees are not an issue for anyone who makes on-time payments. They're literally called "late fees".

Heck, the late fees on my credit cards might as well be $1,000 per day or something - it doesn't matter because I make payments on time as a responsible adult.

Late fees discourage irresponsibility. That is why movie rentals had late fees, libraries have late fees, utility bills have late fees, rent, mortgage, and credit cards all have late fees. It encourages you to be responsible. Therefore, reducing late fees increases irresponsibility.
Friend, your ad hominem comments in this thread are really billboarding your naivete. There are many things that Rayiner and I disagree about, but he's a brilliant lawyer who clerked for a federal circuit-court judge (one of the most-prestigious positions there is for new lawyers) and who has impressive techie credentials from before that. It's painfully obvious that you have little or no idea how judges go about deciding hard cases under American law — what they're required to do; what they're prohibited from doing; what they're given leeway to do if they deem it appropriate.
I absolutely love Kagi. The summarizer feature in itself is incredibly useful. Wonderful engine.
Try kagi.com and never look back.
SEC to scrap scope 3 reporting from climate disclosure rule
I run into this sometimes, but there's nothing stopping me from !gmaps until I'm happier with kagi map results.
> The open-source stuff (think of me when a bang now gives you https directly :D) is just the cherry on top.

Oh that was you, thank you!
Free training for their worldwide consultants? They probably spend a small fortune on in house training and development, makes sense to just acquire a company to do it for them (and have a platform to resell this IP through)

There could also be a trojan horse play to see what companies are training their employees on so as to offer competitive managed services around it.
If you're using Firefox and have Kagi as your default search engine, then just adding the Firefox search widget seems to do the trick.
Hmmm...we are paying for it, and it's for business use, so never.
They don’t bring any value on the table beyond what index funds can possibly give you longterm.

And why those rare anecdotal exceptions would bother managing some random dude’s money if they know how to beat the market themselves?

Don’t you see it’s almost obvious?
> As for Udacity, which was founded in 2011, it gave the usual kinds of statements a company makes when it gets acquired by a much larger organization like Accenture. That is, it believes that it can reach more people and help them acquire skills as part of the larger entity. That goes without saying, but there had been rumors earlier this year that the company was in talks with Indian edtech company Upgrad with an asking price of $80 million. Apparently that deal fell through and Accenture ended up buying them instead.

I wouldn't be shocked if it was low. I remember during the online learning boom of the mid-to-late 2010s I spent some time studying a variety of courses on Udacity but I felt the depth wasn't there.

And now there's a lot of different options for online learning specialized to particular industries that are superior to general platforms like Udacity. For example, when I was learning DL, I joined a local study group that went through fast.ai together.
The headquarters are in Champaign, IL which is a small town with a much lower cost of living than Silicon Valley - so salaries are 20-40% lower than Automattic or other comparable mid-sized firm. The main revenue driver is Mathematica (now called the Wolfram Language) which has several lucrative and long-standing academic licensing deals in place. I don't think the other endeavors (Wolfram Alpha, Wolfram cloud, book publishing) have been nearly as profitable.

(I worked at Wolfram Research around a decade ago, when it was ~500 employees)
Should they be subsidizing that behavior on the backs off of the half that do not?
Neither, we are passing all the savings (we get better search API deals as we grow, AI is getting cheaper...) into making the product better, at no additional cost for the user, to ensure we are still around next year.
I like KDE on technical level, but I can never fully reproduce the Gnome's "Meta key/hot right upper corner expose" flow, which really grew onto me over the years. Also, last time I tried (a year ago) it was simply crashing around once a day which was a deal breaker.
Capping fees nor saving households money is enabling irresponsible behavior lol.

By your logic increasing the feeds is enabling more responsible behavior which is also false.

All the government is doing is simply reducing the fees.
The idea behind the paper was a very straightforward "do <this common thing> but in <this context>," and Claude was able to come up with that, but all of the author's hard work was in implementing and validating it, which Claude did not do.
> The government doesn't have the right to force one person to risk their life for another.

I guess you haven't served in the military?
A "credit card" where it's not really a loan would do wonders. Standard limit based on your income and credit rating but you have to pay it off in full at the end of the month like any other bill else it gets shut off like a utility. You can still get the points, perks of spending other people's money/consumer protection, and 30 day float to smooth over paychecks but no debt.
i really like the website and application design, bc so many oss projects often completely falter w/ visual design, and while this is a superficial thing, beautiful design makes me want to interact w/ a project more :)

also, i'm curious, what kind of adoption were you anticipating (some time ago and now) and did the result align with it?
It's an arms race, so "we are improving search against spam" is a thing they will post when they fall behind sufficiently. This goes all the way back to the "Panda" update ten years or so ago. It's been a thing for ages because they've got a Red Queen problem.
Way too much fucking around.
When you have more than one variable, the outcomes get clumpy.
I wonder if tree-based models would outperform in situations concerning source code as well; given it's already quite structured. Going a step further and supplying and AST may be even more beneficial.
> And is there any wonder Electron has such a terrible reputation?

Certainly not, but you can't fix it by putting less RAM in the machines of people with budget constraints. The developers will just pay for more themselves and then not care about those people because people who can't afford RAM generally aren't lucrative customers.

And it's also worth considering what actually causes this.

Developers want their code to work on every platform. They don't want to write different code for each platform. But each platform wants them to have to, because that makes it more likely there will be software that only works on their platform, or that doesn't work on some new competing platform. So they refuse to develop or implement cross-platform standards.

Then someone else has to do it, but that's rather a lot of work, and it turns out the easiest way to do it is to piggyback on the work already done for browsers to make them work on every platform. That's Electron. It's terribly inefficient but it saves the developer a lot of porting work, so it's widely used.

If Apple doesn't like this, they should provide cross-platform native APIs for developing applications.
Yeah and their evangelisation makes it really hard to opt out. They're always making it a show to portray users not using it as slowpokes who don't keep up.

Even though I don't want Microsoft to decide what's important and not in my inbox. I get so little I can easily do that myself because I block any and all unsolicited sales attempt forever - which Microsoft is trying to make harder because those people are their customer too! For while the 'new outlook' didn't even have the block sender option. Only the less severe report spam. But I want to block them (and ideally their entire company) forever.

This strategy works great for me and I often gloat over my trash folder with the many sales emails there "I know you're busy, you probably forgot to respond to my 20 previous emails but I proposed you another meeting, does tomorrow 2:00 suit? Here's the invite!". I love seeing them waste their time. Most of them seem actually manual even (despite most not even seeming to have bothered reading what I actually do)

I really hate Microsoft's approach to change management. They're only advocating what's best for them, not for the users. There's no win-win here, it's all them and they don't even attempt to hide it except under a really thin sleazy sales veneer.
>One of its members is occupied by a nato country, and hasn't been supported when threatened.

Can you explain?
So I need to eat more food to get the same nutrition? Well, if you insist.
> I don't expect investors to he held liable for internal decisions made by companies...

But they are liable up to and including the total amount of their investment.

Some may say that this is to enable people to pool their resources to accomplish goals that are beyond what the individuals can accomplish on their own without losing everything if their plans go awry, best laid plans of mice and men and all that...
Where is the empirical evidence? You keep saying the same nonsense. Let's see it. Of course you won't produce anything since it's not true to begin with.
You are not gonna report dumb DEI initiatives if the DEI crowd will get you fired for it. And this is how you end up with LLMs that refuse to teach C++ due to "safety" or trying to convince us that Abraham Lincoln was Black and Nazis had Hispanics.

Fundamentally these megacorporations need to drop these useless non-engineering functions (not that all non-engineering is useless, but these functions are) if they really want to get to AGI.
> In significant, non-urban markets, gas/hybrid is still the dominant technology.

FWIW BYD has hybrid models too: https://en.wikipedia.org/wiki/BYD_Qin
> The European competition commissioner, Margrethe Vestager, said a smaller fine would have been nothing more than the equivalent of a parking fine and the €1.8bn was designed to act as a deterrent against a repetition of such practices by Apple or others.

Good!
I would try making friends in other places and get their thoughts. Nothing is impermeable forever.

Sometimes knowing the truth is a matter of life or death even if the truth is not easily obtainable, but ignoring the truth is not logically defensible.
On older systems, scrolling on the trackpad would emulate mouse scroll
wheel events - scrolling my one (or more) lines per increment.

This made sense with scroll wheels, because they moved in discrete (large) clicks.

The problem isn't capturing one-pixel accuracy with the trackpad deiver, it's that at the application layer a lot of legacy mouse input APIs treat scrolling as if the user still has a 90s-era mouse with a physical scroll wheel.
Duolingo restricts some features to the app only and not the browser. Hinge dating app only provides app and no browser option. I am sure there are other examples of use cases.
I think what's happened is compensation packages have normalized or converged.

If you live in an HCoL area, you're probably not very happy about this, but if you live in a LCoL area these compensation packages are excellent.
I would really love for Google to provide advanced search capabilities or filters to superusers who know EXACTLY what they are searching for. I wouldn't even mind paying for it tbh.
That is because they don't bill by the hour, The billable hour is a simple model to visualize the opportunity cost.

People at this level[1] want to get things done quickly, if they can pay to avoid loosing a half a week for couple of meetings traveling back and forth, they won't hesitate to.

[1] Any level really, but executives can both afford to and get a return on this kind of expense
When stuff like this is brought up I'm always reminded of the Stephen King short story The Jaunt[0]

0. https://en.m.wikipedia.org/wiki/The_Jaunt
Money has always been a social contract. Just because it's a "financial tradition" doesn't change that. Shiny metals are no more valuable to hungry people than numbers in a database. The myth of King Midas shows this is nothing new.
Apple is a bully. It is a bully well because it needs to show growth. Without growth their stock get hit and the leadership feels pain.

Apple is in a tough position. It is losing market share in China to Huawei. The Chinese economy is feeling the pinch and they are spending less.

EU is hitting them with fines.

In US they aren’t growing much. The Vision Pro was a dud.

The easiest option is to be a bully.
My theory is that we're all just WAY less interesting than we think we are.

Male, 40+? A bit more likely than the average human to have a mini mid-life crisis and decide to buy an electric guitar.

These platforms suggest SO many ads to us that even if 99% of the suggestions are total junk that we ignore without even registering, the 1% that represent a lucky roll of the dice still really stick in our memories.
My go-to site is King Arthur's 200th Anniversary Cook Book. Literally zero fucking around, packed with every classic baking recipe known to man, and gobs of straight-forward baking chemistry lessons a five year old could understand. Empowerment.
I sideloaded Marvel Unlimited so I could read comics on my surface. It was genuinely a great experience, because its the biggest tablet I own and the android app was far better then the web app. Rip WSA.
They are going to increase prices then offer discounts to corporate clients I suppose
I fully agree with you, except that I stopped buying their stuff after the Gamecube. There are several Nintendo games that I would certainly like to play, but I don't want to be forced to buy their hardware.
Let's see... who pays late fees currently? Is it people making on-time payments?

No? Oh, so by definition the people paying late fees are being financially irresponsible?

So, by lowering the consequences of being financially irresponsible, we'll get less people being irresponsible? This logic does not seem sound.
model.predict() is pretty easy to call, but judging the validity of the model is still hard and very manual. Linear model is less flexible and powerful, but easier to analyse/validate.
This is unfortunate to see. I remember when these alt-Ed startups were all the rage and there was a genuine belief that we were on the cusp of a paradigm shift in how we learned.

Would love to hear some success stories if anyone has any!
I'm sure you have a recipe already, but I'd like to highly recommend Stella Parks' brownie recipe, and even more highly recommend her blondie recipe with malted milk and browned butter.
The field of Symbolic Artificial Intelligence which is still (for now…) a majority of what is taught in American AI courses IME. It’s also the de facto technical translation of Cognitive Science. There’s a long debate between the two “camps”, which were called the neats (Turing, Minsky, McCarthy, etc) and the scruffies (the people behind ML).

The scruffies spent decades being shit on by the other camp as being lazy and simple-minded (due to a perception of “brute forcing” problems), only to find more success than most of them had ever imagined. I think anyone who says they were confident that ML-based NLP models could one day not only predict text, but also perform intuition, is either a revisionist or a prophet.

The whole Neat field got kinda stuck when we translated the low hanging fruit to symbolic algorithms (Simon & Newell’s Problem Solving being the most interesting IMO), but we had no way to test them. As another commenter alluded to, these systems lacked any “intuitive”(aka subconscious, fuzzy, approximate) faculties, so their high-level strategies could never work in the messy real world, mostly because it’s pretty impossible to definitively tell what information is relevant and what information isn’t to any given problem. This is called the problem of contextual “attention and selection”, and the problem more generally “the frame problem”.

Now that we have systems that mimic human subconscious intuition AND systems that mimic human self conscious reason, of course the next step is… declare complete victory and abandon the latter group forever as trash, apparently.

This is all a super biased take from someone who only got into this specific debate last year, tho I promise I do have some relevant credentials and have been working full time on this for close to a year. I strongly believe that LLMs are about to unlock the first (true) Cognitive Revolution.
Slight correction: macOS handles the kinetic scrolling, but rubber banding is handled by the app itself.
Go back to a simpler time... `before:2015 inurl:blogspot.com`
So you don't have any evidence for your outrageous claims, got it.
You didn’t, actually. You listed a vague description which could apply to multiple models and years and it would hardly make sense to compare an old used device to any new one.

Now, if we look at Lenovo’s current Ideapad lineup we start to see something interesting: most of them have these crappy low-res displays and once you’re talking similar display quality, you are shockingly looking at similar prices:

https://www.amazon.com/Lenovo-i7-1255U-Graphics-Thunderbolt4...
I always thought this would be a good use for inexpensive flow meters with network/wireless connections. They would make it possible to find the points between which water is lost. Even in a home or large building have network capable meters should allow you to track the points in the plumbing where the leak is or at least the run of pipe containing it.
Satellite (MethaneSat) launched to catch worst oil and gas methane polluters
Who is saving money here? Responsible households, or irresponsible households?

Who misses credit card payments? Responsible people?

> All the government is doing is simply reducing the fees.

Wrong. The government is reducing the consequences of being financially irresponsible. When something has less negative consequences, can we expect to get more or less of it?
Nothing about "vaccines linked to autism" ever looked bad. It was one study with sample size n=12, widely and firmly discredited, then used as the basis for a huge epidemic of motivated anti-intellectualism.

Whatever the amount of evidence is that is appropriate to build regulations on, it's certainly far, far above that.
> In fact, pulling the stick back, even when applying full power, never has been, and never will be the way to get out of a stall.

It works perfectly well in an Airbus when operating in normal law AIUI because of envelope protection. The problem is that it doesn't work in alternate law which was the active mode at the time. It suddenly became necessary to control the aircraft like a "real" aircraft without a computer altering the inputs, and the pilots weren't prepared for that.
You and me both. A friend introduced me to vertical mice. I regretted the purchase for the first hour, then came to kind of like it, and now you couldn’t pry it away from me.