skysight-inc/HackerNews huggingface dataset:
I'm addressing your premise.

>Selling insurance and paying claims is a sort of loss leader for the insurance industry.

Now you say

> I didn't say that they ALWAYS post losses

And

> that insurance premiums are a net money loser for the industry.

This is circular. As for the article, it shows the context that the last couple years have been exceptional and core operations aren't sustainable.

Your reasoning doesn't explain why these companies are cutting coverage, skyrocketing premiums, and leaving markets. They wouldn't be retrenching if the status quo was absorbing losses.

> In 2023, insurers lost money on homeowners coverage in 18 states, more than a third of the country, according to a New York Times analysis of newly available financial data. That’s up from 12 states five years ago, and eight states in 2013. The result is that insurance companies are raising premiums by as much as 50% or more, cutting back on coverage or leaving entire states altogether. Nationally, over the last decade, insurers paid out more in claims than they received in premiums, according to the ratings firm Moody’s, and those losses are increasing. [0]

[0] https://www.wlrn.org/business/2024-05-27/as-insurers-around-...
Apple devices suck for coding. Android is way ahead on this.

My "laptop" is my Galaxy S24 phone with a lapdock. Termux and Code-browser work really well.
> Also, I found the LLM to be too pliable as a DM. I kept getting my way, or getting my hand held through scenarios. Maybe this is a feature?

LLMs are fine-tuned to be "helpful assistants", so they're basically sycophantic.
does this work with boox?
> Article titled "The Origins of Wokeness"

> Doesn't actually discuss the origins of wokeness

> Claims to be against male chauvinism

> Publish date timed within days of right wing male chauvinist being inaugrated as American president

> Article is full of right wing male chauvinist talking points

> Author moved from United States to England in 2016, the same year that right wing male chauvinist became president for the first time

Hmmmm...
Where would this directory be stored?
Going to play devils advocate here: San Francisco has a very high cost of living so is this any different than charging people different tax rates because of their income? Geolocation is a sloppy proxy for income, but statistically, a person in San Francisco makes a lot more money than a person in Kansas City.

(I don’t agree with the practice, but I am also opposed to progressive taxation as well.)
I'm sure if you pay for DIA they'll bring it to you.
Discussion (142 points, 3 hours ago, 242 comments) https://news.ycombinator.com/item?id=42700134
From a comment upstream, all foreshore in the UK has an owner. You can't just steal from the owner.
ZFS will outscale ext4 in parallel workloads with ease. XFS will often scale better than ext4, but if you use L2ARC and SLOG devices, it is no contest. On top of that, you can use compression for an additional boost.

You might also find ZFS outperforms both of them in read workloads on single disks where ARC minimizes cold cache effects. When I began using ZFS for my rootfs, I noticed my desktop environment became more responsive and I attributed that to ARC.
HDM-1 beats GPT-4o-mini in LLM hallucination detection tasks
Do you happen to know why? The other replies are all providing a narrative that it is related to the new US administration, but as you say it wasn't very clear who would win until the results were counted. So if it's been happening for a year it couldn't be related to that.
I keep getting unauthorized? Is there an FAQ or dummy guide?
You can't really be this obtuse. Asylum of high-skilled silicon workers from an ally under invasion isn't nearly the same thing as the asylum being granted over the last 4 years to anyone who could download the CBP One app.

Trump is inviting Xi as a troll / show of power.
Eh, I'm a Schemer (not Guile though) but the above is dramatically less readable and, at a glance, understandable than the equivalent systemd .target file. The problem with Lisps (but especially Schemes) is there's magic everywhere that makes no sense without having a sizeable context of the program you're working in.
I think about this quite often. What I'd really like to study at some point is: How much more does the receptionist at JP Morgan's head quarters make than the receptionist at Walmart's headquarters?

Because fundamentally I think there is an effect where the people in proximity to lots of money earn more. Obviously the Walmart receptionist and the JP Morgan receptionist are doing basically the same job. But the JP Morgan receptionist is surrounded by people who wouldn't think twice about doubling the receptionists pay and I would imagine that has a significant effect.
The problem is that the business doesn't trust programmers to build the software in the direction they want. Which is honestly a valid concern, I'd spend way more time than they'd want refactoring and optimizing the code to be cleaner and more extensible, and that gets in the way of piling up the features.
That's what an identity provider (e.g. AD, OneLogin, Okta, Duo SSO, Google OAuth, etc.) is supposed to be, ostensibly.
While transparency and honesty are noble ideals, governments (to take one example) often navigate complex environments involving diplomacy, national security, and political strategy. Do you think it’s possible to run a government entirely devoid of lies? And by government, I am imagining the "for the people, by the people" government that wants good for the people.

Note: I am not pro lies, but challenging myself to think from the other angle.
Definitely true, as there weren’t EE jobs here. Now that we’re moving chip manufacturing back, and with programming job market being saturated, perhaps it will shift and EE will pay more due to being more in demand
Yeah I noticed that hahaha
I agree with this for _purchasing_ things, but not aggregating. I use a lot of these services to aggregate results and then visit airlines/hotels independently to see if the price is reasonable.
Megalopolis. I didn't love everything about the movie, but it did come across to me as completely divorced from art created to benefit commerce. I loved that about it...

You could argue the movie being made outside of the traditional studio system is case and point of this phenomenon.
What makes you think pay is necessarily correlated to productivity?

Taken to the extreme, literal theft can pay well, and produces absolutely nothing.

Pay indicates the transfer of wealth -- it can be a heuristic for productivity, sure, but productivity is clearly not its only source.
The concept completely flummoxed me but how does this play with quantum computers? That’s the direction we are going aren’t we?
Hacker News take of the day:
Rounding up somebody and detaining them is not violence.

Would you like to expand on how you came to this conclusion? It's at odds with most interpretations of labour camps and internment camps and "re-education centres"
I tend to agree with you there, admittedly there was a skill in not being accidentally radicalised but you watch one 'lo-fi' video and accidentally fall asleep to four more and that's all YouTube shows me now!
Haven’t tried that! Will try it out and see how it compares as I assume it does most of the things my app does

I guess the nice things I was able to add in this were the journaling prompts and the next thing I wanted to add was a daily puzzle kind of like the ones on:

https://sudokupad.svencodes.com
With consulting, you're responsible for finding and securing all your opportunities.

With work, they're fed to you (at volume!).

Don't underestimate the opportunity cost of any decision. Right now with such broad tech+business awareness, being at the right place at the right time is pretty much your only differentiator.

So perhaps consulting will lead organically to the best opportunity, but often opportunity is gated by access to a good team, reasonable infrastructure, and most importantly good customers with leading-edge problems.
China invading Taiwan seems a ton more likely than China lobbing missiles into Arizona.
That's really a training issue.

Making chips isn't something you learn the details of at University. You can take all the classes you want in advanced semiconductor techniques but the simple fact is University level manufacturing is nowhere close to SOTA.

Basically, you need fab workers to spend time in Taiwan/China, and then return to USA. It's the same model that most foreign students use at schools in USA/Canada. Get USA/Canadian name brand school on resume, learn english, and go back to home country = profit.
I wouldn't mind seeing that.

I don't think it was a deliberate attempt to match the debating styles, but I do think it's a natural pattern to exercise power where you find it.

Honestly, I find Paul's description of the process pretty compelling, if not correct in all the details.
Yes, by dramatically increasing the commute time of the poor, we can reduce the commute time of the wealthier, and give the city revenue in the process. Morals aside, this is the desired function of the fee. Morals in place, I think making B39 free, funded by the fee, would have been a nice move.
Let's not glorify this people and state what it is: toxic behavior and abuse.
Show HN: HN-Daily Podcast – Recapping Last 24 Hours Top Stories
Hey HN!

Started out with an idea over the holidays to start building a system that creates daily digests of content I follow as a podcast, such that I can listen to it when commuting.

The first one is one that takes the top articles of HN in the last 24 hours and builds them into a podcast. It took forever to tweak it in such a way that it doesn't sound 100% AI, isn't too sensational, but also not extremely boring. I've been tweaking over the past weeks to get it just right and I'm pretty happy with what comes out of it now. I've just submitted / got them all up and running on Spotify and Apple Podcasts and so kind of - launching it?

- Apple Podcasts link: https://podcasts.apple.com/us/podcast/hackernews-daily/id179...

- Spotify Link: https://open.spotify.com/show/6WQFgIvfC2NiMCFRINre5P?si=3f71...

I have some future ideas that would make this even better for me
- Build more shows like this (next is probably a daily digest of news in and around Amsterdam - as I live there). Possibly in such a way that you could create a tailor made podcast. Like, 3 HN articles, Weather in Amsterdam, and 2 Amsterdam news articles, or something like that.
- Build some integrations, so it can be a bit more personal. Like, my current location for the weather, or maybe even my calendar for a personalized intro message.

Would love to hear your questions, thoughts, ideas, and things that can be improved!

Little Thread on X with some more info on how I built it: https://x.com/rolandpeelen/status/1879261341476942010
No, it isn't.

People want to buy things, especially the ones that make their life easier, but you got to get to know them somehow, right?
This doesn't seem possible to me.

How can you correlate a Life360 or GasBuddy user with an Allstate subscriber with any level of certainty?
But those kids who are "being left behind" are good to have vouchers too. You don't think there will be small schools who want to take them?

I had a bunch of random teachers teach really dumb stuff while I was in public school. I don't believe those things, because I had parents who were involved in my education. It's never a good idea to leave your kids education to the whims of someone else.

Public school doesn't have some magic monopoly on good ideas. And private/voucher schools aren't going to have a monopoly on bad ones.

Why would the kids not be able to leave public schools? They will all have vouchers?
Absolute encoders can be really good for position critical applications that you don't want to re-home all the time. Linear stages, winches - if you don't want to re home it and it needs accurate position control you start looking at an absolute encoder.

Even for speed control, hall effect sensors are kind of a poor way to track position. What is nice about hall effect sensors is that you can use them as a signal to perform brushless commutation in your motor controller, and then also use them as a poor-man's encoder. Very useful if you don't need that much accuracy in your application, but you do need brushless motors for some reason. But one of the first things I would go to as a application engineer was recommend customers get an encoder mounted.
100% seconded. One of the things that's often buried in the terms/conditions and booking if using an expedia/booking.com type 3rd party site is that your reservation cannot be modified in any way. Often if you book directly with the hotel chain in question you'll have a better experience in the event that unforeseen circumstances require a change in plans.
They do not have a monopoly. There is plenty of room for a handful of companies charging too much to fail. there is also plenty of room for companies charging too little to fail.
Insurance companies' investments come almost entirely from premiums that customers pay. These premiums show up as liabilities on the balance sheet because they represent future claims the company expects to pay out. Think of it this way: customers are paying now for a service (insurance coverage) they might need later.

Let's use an example: If an insurance company has $66 billion in premiums collected, they know they'll likely need to pay out about $66 billion in claims over the coming years. Instead of letting this money sit idle in a bank account, they invest it.

This is where the two sides of an insurance company come into play:

- The underwriting side (selling insurance policies) collects premiums

- The investment side uses these premiums as capital to make investments

It's similar to a loan system, but with a twist. When customers pay premiums, they're essentially "lending" money to the insurance company. This "loan" only gets "repaid" when the customer files a claim. Meanwhile, the insurance company invests the premium money. While they eventually have to pay out claims (repay the "loan"), they get to keep all the investment profits they made.

This explains why insurance companies often continue selling insurance even if they lose a small amount on the underwriting side - it's like getting a very cheap loan. Historical data shows insurance companies lose about 1.5% per year on underwriting. That's their effective borrowing cost, which is much cheaper than other forms of borrowing.

Why don't they just raise prices to make both underwriting and investments profitable? Because insurance is highly price-competitive. Customers will quickly switch companies for a better rate. If Company A tries to make a 2.5% profit on underwriting, while Company B is willing to lose 2.5%, Company B's prices will be 5% lower - and they'll attract more customers, giving them more premium money to invest.
DateTime:Format:RelativeTime
Starship will likely be black because of the heat tiles.
My experience with D&D and LLM is that is a cheat sheet and a great helper, specially for newbies like me, I'm a Dad of 4 that plays DnD to teach some lessons and to get my kids out of the screens
Depends on the implementation details.

If you could identify, say, a defunct aluminium smelting plant?

It'll probably have access to 30 megawatts of power. You'd have to give nvidia quite a lot of money get enough GPUs to consume that.
> 2025 might be the year of self-evolving AI agents with the capabilities of installing, subscribing to SaaS, paying hosted database by itself e

Nope. No LLM to date can "reason" (i.e make decisions on information without having that information encoded into it), and this isn't going to happen with any current approach.

2025 will be the year of more specialized LLMs. We are nowhere close to general AI that can reason, we just got really good at compressing information and mapping it.
A lot of hotel websites are terrible too and I’ll be damned if I have to actually call someone and waste my time when I’m trying to compare prices, or if there is a significant language barrier.
Besides these cards, ComradeWorkwear also has some great shirt designs. I got this one for the gym[1].

[1]: https://www.comradeworkwear.com/products/swoletariat-tee
It would have taken several days to heartbleed your private key in 2013 if you also added fail2ban. Your home lab probably isn't on the high priority target list.
I'm mostly thinking about finding things that you werent even aware that they do exist
Depends on the product being advertised. I don't see how you can compare a product that enhances someone's life to a disease.
This is really cool -- going to show it off to my team. I love the fact that you opened it up so that it will work with Jupyter notebooks as well.
Based on this comic I've seen unit tests use 4 as replacement for random generated number to ensure non flakiness (of course, only when needed). But it might explain the LLM's bias?
> This solves for the US national security issue

I mean, maybe it's okay that some other country is better than you at something important. Excuse me but: the arrogance.
You still need to deal with waveguides in modern design. A system like this will have OMTs (OrthoMode Transducers) and couplers made from machined / electroformed components that are essentially waveguide. If it has transmit capability it will have some kind of Diplexer made in a similar fashion. And of course, if it has transmit capability, there will be some kind of waveguide between the feed and the High Power Amplifiers (either Klystrons or Travelling Wave Tube Amplifiers). There's always some waveguide to serve as plumbing between the feed, these components, and others like the LNAs (Low Noise Amplifiers).

Most RF systems also won't convert right to fiber at the feed but have some kind of upconverter / downconverter assembly in the hub. Those converters might have fiber connectivity but more often than not it is some kind of intermediate IF frequency around the L/S-Band where the conversion to optical takes place separately.

While I am rambling on, I think the applications of this antenna will be very limited. The frequencies in use are generally speaking much higher now than they were 40 years ago (they picked up NSS-12 at 4 GHz, which is more or less DC these days). At lower frequencies you can get away with a lot of slop with regard to RMS surface accuracy and the like, but the Ruze equation is a harsh mistress and gain suffers considerably as frequencies go up. Modern antennas designed to work at higher frequencies will have a much better overall stiffness and surface accuracy, so you have more gain at the same diameter vs an old beast like this. All this is probably moot because an antenna feed like this designed for low frequencies won't even pass high frequencies.

The servo system is also another issue. They picked up a signal from a geostationary satellite which is as easy as it gets. If the satellite is inclined or (worse) in LEO / GEO, things get much tougher. And the higher the frequency, the tougher it gets because the antenna beamwidth is much tighter for a given diameter.
I didn't say anything bad about the web JS interface, I said that having also a minimal HTML-only option was good.

Anyway I will try that site, thanks!
I think you know the answer but I can spell it out, if the supply of high-skilled workers goes up, then salaries go down. Most people would prefer a higher salary. Taxes remain the same, whether local or foreign people are doing the work.
in real life I assume you have a cell phone? no greater surveillance than that… drive a car? license readers are everywhere… etc etc

unless you move to amish country you are subject to surveillance which is only going to get worse…
I'm shocked that this occurred on Windows. What a secure and open platform with a history of prioritizing user safety.
And I'm not sure why this got downvoted. Not that it matters, but I'm very curious about why people were not happy with the questions. My fundamental belief is that if someone chose to accept an offer and then work hard, it's not slavery but free will. But well, I guess American culture is interesting in the regard. If I study STEM hard in school, I'll be a "teacher's pet" or a nerd who knows only "how to cram". On the other hand, if I free throw under a hoop 4000 times a day, I'm DA man and it's worth the highest praise on the level of "have you seen the LA of 4:00am". Or if I'm a banker or a startup employee who worked 100hr+, I'm building the future of the US, yet if I worked in a fab 996 on my own will, I'll be a slave?
The bottom image on the page got me believing there was something wrong with me :-)
In some places in Canada there's many airports that are served by literally only two airlines. Air Canada and Westjet. It's certainly possible to use a 3rd party booking site to try to find a 'cheaper' price to go to/from those places, but as you'll see when you get your search results for a flight, there's basically no competition. Go directly to the Air Canada or Westjet websites themselves and the prices will usually be the same or slightly better.
Well because they fought so hard for their independence but now want to join their colonial forefathers in their homeland because home is not providing the independence they fought for. It's pretty clear.
It doesn’t make money, I was already hosting it for myself and decided to share the spare server capacity for good karma on the internet!

If it gets too expensive to run I’ll just block new people from signing up and only have existing users
If you take yourself out of the equation, hiring the best labor for local jobs, irrespective of location, is more effective use of resources and a net benefit over restricting employment to a smaller, less qualified field.

It may hurt the individual, but helps the country.
With T-Mobile, I get a different public IPv4 and IPv6 address every time I turn on and off airplane mode and it got my approximate location correct
Or just buy the ebook and save the paper, transportation, and shelf space.
> DankStartup's O365,

If you wanted to try to re-take over a pre-registered domain in Azure/M365, you would need to involve Microsoft Support who would require you to prove via government documentation that you were the same entity for the now-abandoned Azure/M365 account.

Creating a new tenant using the same public domain won't get you access to the Azure/M365 tenant of a previous customer, you would have a different internal domain name (dankstartup2.onmicrosoft.com).

At best you could register your domain post-expiration of the previous tenant and impersonate them >90 days out.
Options traders are paid well. It's still unproductive.

You're just shifting around a bunch of numbers temporarily to make a bunch of money for someone and lose a bunch for someone else.

Lots of shit we do is well-paid and unproductive.

If, as a species, we eliminated all bullshit jobs, there's a good chance only 20-30% of the species would be working. Here in America, only around 50% of people are actually working. Everyone else is in school, or retired.
Teachable moments is things learning about things like DNS, vpns elsewhere, man in the middle attacks, etc.
Quantum computations have to be reversible , because you have to collapse the wave function and take a measurement to throw away any bits of data. You can accumulate junk bits as long as they remain in a superposition. But at some point you have to take a measurement. So, very much related.
What would the cost be of not undertaking these actions?
In the case of invasion, the equipment within the TSMC factories will be affirmatively destroyed / sabotaged to the extent that it can't be used or studied.
It might be an unjust detention, but it's not violence. There's no physical force intended to hurt, damage, or kill. The force, if any, is intended to restrain.