Hacker News: hrududuu

New comment by hrududuu in "Stripe Clinches over $7B Deal to Buy AI Firm OpenRouter"

hrududuu — Mon, 17 Aug 2026 01:39:23 +0000

OpenAI is a large company, and large companies go multi processor for payments. I would check the press release carefully, and see if you can confirm that Adyen is taking all of OpenAI's volume, or even a majority of it.

New comment by hrududuu in "Gov.uk has replaced Stripe with Dutch provider Adyen"

hrududuu — Sun, 07 Jun 2026 17:34:05 +0000

https://docs.stripe.com/payments/3d-secure

New comment by hrududuu in "Our data shows San Francisco tech workers are working Saturdays"

hrududuu — Mon, 08 Sep 2025 18:15:03 +0000

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

New comment by hrududuu in "Income Equality in Nordic Countries: Myths, Facts, and Lessons"

hrududuu — Sat, 30 Aug 2025 15:24:54 +0000

This type of comparison needs to add corporate income tax (20%) in order to be an apples to apples comparison,so 27.5. It's still a stark difference in taxation, and I know of no other country that does what Finland does for dividend taxation. In fact for earned income,things look even uglier when you add in tax-like social security contributions.

Perhaps not coincidentally, Finnish companies are also an outlier in paying extremely high dividends.

New comment by hrududuu in "Introduction to Stochastic Calculus"

hrududuu — Mon, 24 Feb 2025 21:16:20 +0000

Great resource. This was my area of graduate study, and I would say this material is quite hard, in the beginner to advanced PhD range.

And this inspiring textbook I think has high overlap with these topics: https://www.amazon.com/Stochastic-Integration-Differential-E...

New comment by hrududuu in "Introduction to Stochastic Calculus"

hrududuu — Mon, 24 Feb 2025 21:11:20 +0000

Ito's formula/lemma is like the chain rule from calculus. It is a generalization, in that it uses a second order Taylor series expansion, whereas the chain rule only needs a first order expansion. Anyway, I think (2) is a reflection of this fact, and how the chain rule lets us compute dynamics of a derived process.

I sort of disagree with (1), since Ito's lemma is most naturally applied to ~martingales, of which Brownian Motion is an important special case.

New comment by hrududuu in "AMD to buy Silo AI for $665M"

hrududuu — Wed, 10 Jul 2024 16:03:48 +0000

Gpt4 or even 3.5 is quite good at Finnish. Was there ever a benchmark against closed source models?

New comment by hrududuu in "Launch HN: Univerbal (YC W23) – Language learning with a conversational AI tutor"

hrududuu — Tue, 30 Jan 2024 15:46:59 +0000

I'm just a hobbyist building tools for my own use (to learn Finnish), but I love the space, so happy to connect if you'd like: here's a video https://drive.google.com/file/d/1H_W6i4aa0Ak-vSAh99zYjJ4LcUT...

My core task loops are phrase translation and audio transcription, and I've always been motivated by gamification and eventually data driven task selection

New comment by hrududuu in "I used to not worry about climate change. Now I do [video]"

hrududuu — Mon, 29 Jan 2024 18:46:59 +0000

Here's a link https://drive.google.com/file/d/1H_W6i4aa0Ak-vSAh99zYjJ4LcUT...

I'm pretty happy with translation, even with GPT-3.5. I haven't used it for native text generation. Happy to keep in touch :D.

New comment by hrududuu in "I used to not worry about climate change. Now I do [video]"

hrududuu — Sun, 28 Jan 2024 18:10:33 +0000

Oh cool, I'll check these out! I've been doing some coding myself to learn Finnish. I'll post a video of my tool in a little bit. I generate a daily set of exercises, and then track my progress over time.

The tasks: scrape all the selko articles and then generate fi-> en translation tasks in the form of phrases (using an LLM). Same thing except en->fi. Free form task generation where I tend to use HS for articles (so like, adult Finnish). And then one I'm working on now, Finnish transcription from auto-generated speech, from selko again.

A lot of my evaluation is based on embedding + cosine distance. LLM's are truly bringing a golden age for language learning.

New comment by hrududuu in "I used to not worry about climate change. Now I do [video]"

hrududuu — Sun, 28 Jan 2024 16:25:47 +0000

My anecdote against a couple hundred, I stand corrected. I think the overall point stands though :)

New comment by hrududuu in "I used to not worry about climate change. Now I do [video]"

hrududuu — Sun, 28 Jan 2024 14:49:03 +0000

Consumer prices are not lower in Finland, although VAT is responsible for a lot of the difference, to be fair. Yeah, sales tax in Finland is 24%. I've been in both places in the last year, cried when I bought my used Toyota here. Rent indeed is 70% lower, but you lose by having 70% lower rent and 70% lower salary. Besides, median salaries in Finland are 15% of what they are in SF (staff swe at 500k vs 90k). And the tax burden is way lower, even in CA. Finland has a lot going for it, but there's just no point in debating the money part.

New comment by hrududuu in "I used to not worry about climate change. Now I do [video]"

hrududuu — Sun, 28 Jan 2024 13:53:55 +0000

And yet I never saw people tracking the daily electricity spot price until I moved to Finland :). Miten menee sun suomi, on kiva oppia sitä.

New comment by hrududuu in "I used to not worry about climate change. Now I do [video]"

hrududuu — Sun, 28 Jan 2024 13:48:02 +0000

Meh, you can come up with twenty different methodologies and they all point to coming out way way behind in Finland. SF -> Finland immigrant, took approximately 70% pay cut, and enjoying the 80% marginal tax rate.

The health of democracy is way better than the US at least.