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when your credit card is telling people where and when you work it is time to reconsider your credit card

I don't think there's a credit card company that can't (or won't) do this. Or even debit cards for the matter. Or any app that has location enabled.

>when your credit card is telling people where and when you work

This article's domain (Ramp) is a SaaS company that tracks employee expenses for other companies.

Tracking employee credit-cards and reimbursements is part of their service that companies use:

https://ramp.com/expense-management

https://ramp.com/corporate-cards


every single credit card company does this.

you can literally buy purchase data from Mastercard, AMEX, and Discover and use this data for retargeting and advanced targeting w ads and run them on Facebook and other platforms.

A dog food purchase? Owner likely has pets, serve em a pet ad, etc.


Im not aware of card networks selling data like this, but there are other players like Yodlee. I used this data for equity trading.

Can I buy such data? How anonymised is it? Source?

why would nvidia not create their own foundational model?

Why didn't the people selling shovels to gold miners dig for gold themselves?

Because Nvidia is making actual profit selling hardware to those who do, not hoping for a big payout sometime in the future. Different risk/reward model, different goals.


They are printing money right now, and their customers are taking all the risk. Just keep delivering and enjoy success.

They have a bunch of Nemotron models. They can make more money from five(?) competing frontier labs than from trying to monopolize the frontier themselves.

I'm pretty sure Nemotron models are their internal teams dogfooding to learn more about the latest AI advancements in software.

Why doesn't Apple make their own iPhones instead of contracting them to Foxconn?

Comparative advantage.

Does this maintain state if navigate away ?


Yes, the site seems to save the checked cocktails into Local Storage (you can click some, and in your browser's inspection tools you can check. Eg. in Firefox > Inspect > Storage > Local Storage, there's a key with "cocktail-tracker").

I've checked and closing/reopening works (of course locally only, no incognito tabs, etc...)


Seems like perfect scope for vibe coding. Was that done?


why? just why even ask that? i don't quite get the ubiquity of the LLM hype here, and at this point it's starting to feel artificial


People are understandably fascinated by it, and trying to learn to figure out what’s being created by AI and what’s not. The commenter is right about this example, you could certainly vibe code an app like this.


some ai coding tools were used but that's just the development process nowadays


A single chart can be found to support just about any conclusion


Reminds me of one of my favorite Simpsons lines: "Aw, you can come up with statistics to prove anything, Kent. Forty percent of all people know that"


I’m partial to Homer’s “Facts are meaningless. You can use facts to prove anything that's even remotely true!”


“They say sixty-five percent of all statistics Are made up right there on the spot”

https://www.youtube.com/watch?v=IUK6zjtUj00


Also, the chart doesn't take into account that the biggest companies have more power, are bigger right now, and it's not inherent to them using AI. If not AI, it would be something else. Shares and revenue are growing, and people are getting fired. They will not collapse.


The conclusion I drew was "The level of value inequality in the S&P 500 is higher than before".

From that, any number of conclusions are possible, including perhaps:

* The level of innovation at those companies is high. Certainly the 90s tech booms were actually very innovative and profitable.


In the beginning the main advantage of Airbnb was

1) much cheaper due to none of the tax and fee apparatus local govts attach to hotel stays

2) the ability to “stay like a local” in neighborhoods where residents live instead of hotel neighborhoods like Times Square , fisherman’s wharf, soma etc

1 is completely gone and has maybe gotten worse than hotels. 2 still holds to an extent but you mostly find professional spaces


If you’re saying “blockchain, not crypto” in 2025, you need to revisit your research process


Do you have risk loss / fraud issues?


Not really. We don’t touch customer money- we just print and mail checks on their behalf.

We do require bank verification via Plaid, which proves the user has a valid username and login to their bank.

We perform further KYC checks for suspicious payments.


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”?


Where does the garbage get moved too? What if the least societally harmful place for waste is the middle of the pacific ?


Landfills really aren't so bad. Article from a previous HN post:

https://practical.engineering/blog/2024/9/3/the-hidden-engin...


Landfills. Theoceancleanup's own figure is that there is 100,000 tonnes of plastic. This one [0] landfill in Ohio gets 2 million tonnes each year. That's out of ~250 million tonnes produced by the US each year [1]. So it seems there is plenty of room.

0 - https://en.wikipedia.org/wiki/Rumpke_Sanitary_Landfill 1 - https://en.wikipedia.org/wiki/Landfills_in_the_United_States


So the plan is to spend 7 billion and however much carbon over 10 years to move pollutants from the middle of the Pacific Ocean, thousands of miles from anyone or any rich fisheries, to landfills near population centers?


Well, water is a solvent and dirt isn’t. That’s probably the reason why oil isn’t harmful in the ground and it is harmful when it’s spilled in the ocean.


There’s plenty of water in dirt. Except it’s water next door to population centers using it, not thousands of miles from anyone in the ocean


Why would contaminating the environment of a major food supply be the least harmful place? how is that better than purpose built infrastructure to contain that trash?


is there any commercial fishing in the middle of the pacific? Why is it better to ship it to leech into the groundwater near population centers ?


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