skysight-inc/HackerNews huggingface dataset:
But the SAR itself, from how it sounds in the OP, is not the trigger that makes a person/business unbankable across the entire banking system - only at that single bank.

The OP article makes a reasonable point that administration officials can and do exert pressure on banks to withhold services to certain industries like debt collectors. And there indeed is a slippery slope there, and one that VCs with significant exposure to crypto are motivated to highlight.

But “withholding evidence,” and the SAR secrecy specifically, doesn’t seem to be a mechanism by which that happens. I’m far more concerned with what might cause an individual to lose access to all banks than what might cause them to lose access to one.
The alternative is to not fall for the "its basically free!" schtick.

If its free, then you're the product.

If its $1/month, then you're still probably the product. In the case of my investments, I do not want the firm that I invest with -- to whom I trust my assets -- to turn around and lend out my assets to other organizations that have no obligation to me to act in my best interest. Share lending is almost always to lend to short-sellers that are trying to decrease the price of the asset being borrowed.

> Even the bank and pensions gamble with your money, its how they move

I guess its not worth having an opinion that this is not a good thing then? Bring back Glass-Steagall to separate out banks and gamblers.
dzonga didn't bring up any distinction. On the contrary. An old bird breeding naturally raises questions about the lifespans of non-avian dinosaurs, because they are related.
People sometimes end up in situations where there would be no consequences, and killing rarely ensues.
For the PFOF skeptics, there isn’t that much money in pfof on liquid large cap stocks.

For the founder, have you thought about doing away with the 1$ for friction reduction while you scale given how tough the switching decision can be?

For the founder, have you considered using ACAT in incentives as a differentiated acquisition tool?

For the founder, are their “moments” people often switch their brokerage you could target aggressively? Ie I imagine Johnny software, 28 , is a hard sell to sit down and port their holding over from fidelity to save a couple of BPS, but maybe people starting their first job? Setting up a retirement plan? What’s your target “moment”?
Taller vehicles are more dangerous to pedestrians, even at low speeds
I’m actually sort of interested in the contrast. I think you’re right, that it is sort of obvious that doomscrolling news is bad for mental health, and it’s a sad change.
I think in casual speech "equally possible" usually is taken to mean "also possible." I think most people would say "equally likely" to express what you're saying.
It can be incredibly stressful even right now. I had my bank freeze my accounts because they believe I deposited a fraudulent check (I hadn't). They were incredibly unhelpful during the entire process necessitating hours on hold, going to the branch multiple times and eventually they threatened to close all my accounts. Took about a week to get sorted while I had no access to my funds, including direct withdrawal bills like my mortgage payment.

And you are correct... I had no rights. They had all the power, and they knew it and acted accordingly.
Some people love city life, like me. The idea of everything only a few subway stops or even a walk away. So many opportunities and things to discover.

I wither away in small provincial towns (I've spent more than 10 years living in one so I know)

Cities are not for everyone but there's definitely an interest in them. Ps I don't have a family so I don't need a family home.
Digital Inspection in a Remote Work Era
https://x.com/fantia_jp/status/1792811477256343764

The following links are all NSFW because they are from Sankaku Complex, you have been warned:

https://news.sankakucomplex.com/2024/11/10/japanese-bookstor...

https://news.sankakucomplex.com/2024/08/19/japanese-politici...

https://news.sankakucomplex.com/2024/08/03/tora-no-ana-alleg...

https://news.sankakucomplex.com/2024/08/11/tora-no-ana-cuts-...

https://news.sankakucomplex.com/2024/05/11/japanese-video-si...

https://news.sankakucomplex.com/2023/11/14/japanese-netizens...

You may now crawl back to your throwaway den from whence you came.
How do you intend to make enough money to stay a going concern? Charging $1/mo adds up to peanuts and peanuts will not paying the salaries needed for running a highly regulated industry like this.

What are some examples for real world tax loss harvesting of this versus just rotating between things like VTI, SCHB, and ITOT?

I can’t imagine it’s going to be meaningfully more tax savings versus the monumental pain in the ass of dealing with hundreds of lots of many different stocks.
You’d have to combine it with one of the text to image models.
Great question! Keep in mind that ETFs in general are designed to NOT give you the rights to the underlying shares, or to vote as a shareholder. An ETF is a derivative, not an asset unto itself. It sounds like this product is mainly to allow people to invest in ETFs not into single tickers?
In fact, the ruling argued that a TikTok divest-or-ban rule outright promotes the values of the First Amendment. “Indeed, the First Amendment precludes a domestic government from exercising comparable control over a social media company in the United States,” the court writes. “Here the Congress, as the Executive proposed, acted to end the [People’s Republic of China’s] ability to control TikTok. Understood in that way, the Act actually vindicates the values that undergird the First Amendment.”

Interesting take. A policy that limits social media companies where authoritarian governments have a significant stake seems fair. If a country wants to grow their social media industry into the US, their laws should clearly state what independence is allowed. Would adoption of such a policy internationally improve social media as a whole?
Where's the calculator that tells me if I save money with y'all vs with current legacy brokerages (schwab, fidelity, vanguard, etc)?
I wonder what the outcome will be when new models are trained on AI-generated data. These companies are already running out of quality training data. So when most of the data on the internet is synthetic, will they find ways of separating the signal from the noise, or will all the noise lead to a convergence of performance across all models to something that is much inferior than what we have today?

This tech will make the internet even more unbearable to use, without mentioning its huge potential for abuse. This is far worse than whatever positives it might have, which are still unclear. What a shitshow.
> Reddit Chief Executive and co-founder Steve Huffman has said the company had to stop giving away its valuable data to the world’s largest companies for free.

Funny, that's also why I stopped posting and commenting.
Sadly for the title, I think the word you were looking for is "gimbal," not "gyroscope." A gyro rotates stably on a single axis. Your cooker "tumbles" on three axes at once. A gyroscope specifically prevents tumbling.
> May be he probably could bank with LaPoste.

For the record, I have an official denial letter from LaPoste. Which, by the way, is very nice on their part: many banks refuse to put that in wringing and without a letter it's hard to exercise your droit au compte with the Bank of France.
Small VCs have this de-banking problem. Their patterns for cash and not conducive to want banks want and large banks will regularly close them down.
Laptop is superior.. sorry
Honestly, I feel that `bottom: -32px` and `calc(100% - 32px)` might be easier to understand than `height: 200%` and `50%`. (Yeah, for early teaching I might step back from using `inset`.) It does require the one extra concept of calc(), but it’s exact and feels slightly more easily explicable than how 50% of 200% is back to 100%. The fact that the number 32 would be present in both makes it easier to track, whereas the fact that 200% and 50% are inverses is pretty easily overlooked.
Hi again everyone, our teams who review such cases do so on a case-by-case basis. We do not use AI or automated systems for these situations, but review them manually.
As a general rule of thumb, we try to avoid commenting about these cases publicly. We do that so we can protect the affected customers' personal data.
But this doesn't mean that we're not in contact with the customer, which we are in this case. --Katie, Hetzner Online
There are thousands of banks hungry for your business. Just because one doesn't want to do business with you doesn't mean another one won't.
Gang and organized crime-related shootings are very bad to have, most developed countries don't have them either.
You can do this quite easily with Double. If you pick the US 500, you and completely remove the Energy Sector.

We are working on getting some more ESG focused portfolios directly live but it's very very do-able right now.
Well, that's awesome to run into a SmoothTrack user here! Thanks for the kind words, all three of them. :)
> Pretty much every other high GDP country in the world has single payer healthcare.

This is just completely not true. Take France and Germany for example.

> Guess how many people get told their anaesthesia won’t be covered for their full surgery. That shouldn’t even be a question, and yet the US system makes it one.

So anesthesiologists should be able to ask for any amount their heart desires and the insurance is the bad guy if they don’t want to pay it? Anesthesiologists have a profit motive too, you know.
> If you want some antimmater, you can go to your nearby physics suply store and buy some radioactive material that produce positrons

Or buy some bananas. You'll get a positron every once in a while from the occasional Potassium-40 decay.
Please recall this is the website that discusses startups. It is absolutely not fair to use "you are not a big company" as a point of criticism
This subthread are among the best comments I've read in this website.
What a future. We can generate images with words, turn those into physical objects at home, but I can’t read the plain text and images describing it because of a broken site.
Show HN: Bad Bot – Downvote all ChatGPT responses
Excited to try this out JJ. Have wanted to build an infrastructure-focused portfolio for a few months now and am excited to have an actual tool to help me build it now!
This from the site feels reassuring: "Your funds are held in your name at Apex Clearing, one of the largest US Custodians holding over $114B in funds."

The "in your name" part is specifically what I was looking for.
>and despite public evidence to the contrary

Sounds serious, I wonder what it is...

>"410 The author deleted this Medium story".

doesn't look promising. The rest of the paragraph fails to state any concrete harm, instead focusing on abstract issues like "misalignment between these platforms and their customers", and "little by way of self-regulation ".
My only critique is that you should have incorporated an aquarium somehow and added sous-vide to your cooking process.

Otherwise, a flawless piece of work.

And, the links to your friends are amazing and a treasure trove as well.
Who would provide credit and do maturity transformation? Maybe you end up with duration matched funds everywhere but I think that's unlikely for regional banks.
Remember all those movies that show the government tracking people on satellites and using phone echolocation, etc?

Where is that shit now for a guy they have VIDEOS of?

Remember when osama bin Laden was staying a relatives house and not in a secret underground cave network?

This CSI/Navy seal messaging is compliance propaganda.
Yes. Link to the research paper: https://dl.acm.org/doi/10.1145%2F2207676.2208639?cid=8110016...
Leaving aside the veracity of that figure, if they've sold $60B of shares they don't own then they must've sold shares they borrowed in some way, and that shows up in the demand/supply. Someone (or someones) in the market would know.
I only buy 100% natural peanut butter with only peanuts and some salt. Every grocery store I’ve ever been to carries this— even the budget stores.
This is what happens
with Digital Inspection in a Remote Work Era.
Colour in the Middle Ages
I'll take one of these units off someone's hands for $400, if they have it. I would like to disassemble one on video in a video marketed toward children.
I'm actually pretty interested in what you're building. Sure, Vanguard and Fidelity are well-established giants, but they've barely moved beyond standard ETFs for decades. Having the option to tweak weightings at a more granular level and do daily tax-loss harvesting at scale seems like a genuine step forward.

I also like that you're transparent about how you might eventually introduce additional revenue streams like margin lending or maybe even PFOF. Knowing that upfront is better than a sudden terms-of-service surprise down the road. Still, I'd hope you'll consider giving users some say over how their shares are handled — like opting out of lending — so your incentives stay aligned over the long run.

Congrats on hitting $10M AUM. I'm rooting for more low-fee alternatives that keep the user in the loop!
and its looking like they jumped the gun on brian kohberger. they keep delaying the trial; i would not be surprised if he goes free.
Keyboard is supported. NVMe, AHCI, ATA, and VirtIO for storage. A few gigabit network adapters from Intel, Realtek, and also VirtIO. A 10gbit intel network driver is currently being developed. Send works on it currently.
Ah sure, that stuff is just annyoing. I don't need a - probably wrong - summary of the top hit either.
So a “typical” ETF costs me about 0.15% year, or around $150 for every $100k I have invested. While $12 per year would certainly save some money, it’s coffee money vs. life savings money. I think you’re going to have a hard time convincing me to move from offerings from companies like Barclays, Schwab, or Vanguard. Plus, zero fees doesn’t save me any money unless you can stay within 0.15% of the big index funds you’re going to be compared too. If you’re selling to harvest tax losses, I’ll bet there are some deviations at the fractions of a percent level that might erase all my savings.

Move fast and break things works great for computer startups, but if you want me to move my life savings over I need more confidence that you’re going to be around in 40 years and still have my accounts intact. And if I’m not bringing my life savings over, then it’s not worth the effort, because investments at the $10k level don’t really save me money.

Good luck finding early adopters who have money to throw at investment schemes.
> undeveloped wilderness

No, that is now pasture. Be truthful to yourself. Cattle ranching, particularly in "undeveloped wilderness" is incredibly destructive of the local environment.
Scrabble star wins Spanish world title despite not speaking Spanish
It wouldn't be a problem at all, no.
In a healthy society we wouldn't have "health insurance companies" which are profit driven and are motivated to cut costs, not provide care.
That is not true. All the banks must satisfy the same regulator. None of them are going to take a risk that invites audits from the big cheese to get your 20k in savings. The legal term to avoid here is “unilateral action” - don’t do what the other banks aren’t doing.

The list of problematic people is even shared between them by the regulator.

Due to the savings and loan crisis there is no longer a plurality of banking businesses each with their own independent thinking. There are 10 marketing corporations for the same government service. Same with mortgages.
LA Times Billionaire Owner Hilariously Thinks He Can Solve Media Bias with 'AI'
OP here. I liked Macro-o1 (Marco1?) but as you pointed out, we need to teach these models to spend their system 2 thinking more economically.
We all agree most normal people have an aversion to killing. You're saying that having an aversion to killing stops people killing, which is a tautology. And then you say it's not about consequences. What's your explanation then?

It seems intuitive to me that the awareness of consequences plays a central role in preventing anger from turning into violence, every day, everywhere. Have you never seen a fight/argument on the street suddenly diffuse when a cop appears? Or eg, a guy drunk at a bar, starting to raise his voice in anger at someone, only to simmer down when he sees the bartender walking over because he doesn't want to be kicked out?

Awareness of consequences is a necessary precondition for people to course-correct. That's an essential feature of people: we are able to notice when we're on course toward a bad outcome (whether that's harm to oneself, or harm to someone/something we care about, or any undesirable situation), and so take responsibility for our actions in advance so we can change course. Without that we'd be amoral creatures. This is what makes us moral beings – that we can take responsibility for the outcomes of our actions. This is a good thing. It's what makes us people, and it's the basis of having a civilisation that is mostly peaceful.
I've become pretty conservative with old phones, laptops, and the like. If I'm not going to use them/have them repaired I put them somewhere safe and recycle them.
So the flickering. Okay :)

Because I remember that, the bloodshot eyes after too long a night of gaming. Just hadn't realised it was because of the screen, partly at least, given that explanation.
Even in times of peace, Americans love our righteous killings and murderous folk heroes.

I’m not keen to embrace it. But I think the finger-wagging is idiotic. Chastising people will accomplish nothing except for making them think you’re out of touch.

Folks disturbed by this outpouring of support for this murder should instead be asking why people feel that way. Maybe it’s because of a system that treats their lives as an expense to be minimized and gives them no recourse. If wide support for Luigi Mangione worries you, maybe look at fixing that.
UHC has one of the highest rates of claim denials. Sure, there are some people getting the support they need but there are a lot of people who are not. What justification is there for that? The only justification is "profit", and that is not something that should ever be involved in healthcare.
> By "something challenging", are you referring to physical activity?

I believe they are referring to self-control about the foods consumed. Were you being willfully obtuse about this, given this entire sub-thread is about calories and you're deflecting to exercise?
> I'm just really, really wary of new fintech products to save like .3% on fees when I hear all these horror stories of people trusting fintech startups with their money any then losing 95% of their deposits like the Yotta customers.

That's immediately the scenario that comes to mind when I see any of these offerings (this one might be perfectly legit, but the reality is that I have no way to know). Then I remember George Costanza exploiting a loophole to save money by seeing a holistic healer: https://www.youtube.com/watch?v=8uVSKgMpnuo
AI's Future Should Be in Our Hands
Knowledge and technology require society to function. The post-Roman people were well aware of what the Romans built and even knew how to build them. What they did not have were the supply chains, large market, a consistent legal system, etc -- these things require a society in order to provide a place in which there can be an economy, that produces things that people need to implement their knowledge.

Do you actually think doctors / nurses would be able to get all they need through small trades / manufacturing?
Huge disagree - there's no convincingly human anymore for internet text, especially for short internet text. Since the coming of LLMs, when I read HN, Reddit or even blog posts, I always keep it in the back of my mind that whatever I'm reading can very well be written by a bot. Fine-tune/prompt an LLM the right way and you'll get content indistinguishable from human text even for highly specific niche topics/contexts.
I think I might just have downvoted you because I‘m a clumsy idiot.

So let me just say I love these honest no-bullshit posts!
It's absolutely fair when you're evaluating a potential fiduciary. I personally don't consider small regional banks secure beyond the FDIC limits for the same reason. But one of the "big guys" is fine as they're too big to fail.
Not to mention burned down garages/houses because of ICE vehicles combusting.

Of course people parking their ICE vehicles under, in, or near where people live is completely normal and socially acceptable. Even though they do occasionally burn.

And when I say occasionally, I actually mean: vehicle fires are most common reason for fire trucks to be called. And the overwhelming vast majority of those fires are good old ICE vehicles catching fire. That's not news because the media would be in a permanent stat of OMG, another one burned down hour more or less 24/7 around the year. If you think that is exaggerating things a bit, The US actually has hundred of thousands of vehicle fires reported per year causing billions in damage. And a year is only 8760 hours. You might want to consider your fuel bomb on wheels a bit further from where your loved ones reside, just saying.

Batteries are mostly safe. There was (past tense) a problem with low quality cheap Chinese e-bikes using unsafe and uncertified components. That already is being addressed through stricter regulations and tariffs. For the same reason, the TSA is now completely fine with you bringing phones and other battery equipped electronics on planes.

Home storage systems are far less problematic and usually involves professional electricians and using quality components from very responsible manufacturers with stellar reputations. I'm sure there are some isolated cases of these things having issues. And I'm also sure that that's not going to be a huge number of incidents. And that that pales in comparison to the statistics on gas boilers/furnaces, ICE vehicles, etc.

The (mock) outrage here is very selective and targeted. There's a crowd of fossil fuel funded lobbyists out there promoting any article that serves their agenda. They drip feed news papers, magazines, etc. with a non stop flow of articles to promote their agenda of spreading FUD about EVs / renewables.

I'm sure this is otherwise a fine article. And maybe somebody even is peer reviewing it; the site wasn't very clear on that (other than the 0 citations statistic). But is it really that interesting / world shocking? Why does dry bit of otherwise completely uninteresting statistics literature end up featuring on the front page of HN and getting tens of thousands of views?
Visual6502 and VisualZ80 Remixed
The founding fathers of the United States were -- above all -- realists
Open source has already caught up with SOTA:

https://www.reddit.com/r/StableDiffusion/comments/1hav4z3/op...

These are even unfair comparisons because they're leveraging text-to-video instead of the more powerful image-to-video. In the latter case, the results are indistinguishable.

Video generation is about to be everywhere, and we're about to have the "Stable Diffusion" moment for video.

Look at the comments: people are already fawning over open source being uncensored.

Cat's out of the bag.
"The noble person that goes to work and pray like they s'posed to? Slaughter people too, your murder's just a bit slower."

- Kendrick Lamar
Sure. There's basically no examples of non-violent revolutions. India is the closest thing I can think up today.
I wouldnt use separate compilation approach at all. I dont like it