<rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Hacker News: scott00</title><link>https://news.ycombinator.com/user?id=scott00</link><description>Hacker News RSS</description><docs>https://hnrss.org/</docs><generator>hnrss v2.1.1</generator><lastBuildDate>Wed, 20 May 2026 10:52:33 +0000</lastBuildDate><atom:link href="https://hnrss.org/user?id=scott00" rel="self" type="application/rss+xml"></atom:link><item><title><![CDATA[New comment by scott00 in "$27,000 a Year for Health Insurance. How Can We Afford That?"]]></title><description><![CDATA[
<p>The key difference seems to be German private health insurance contracts are long-term affairs. Multi-year, or perhaps even lifetime? US health insurance contracts are typically a year at a time. So German companies have to reserve for costs projected to occur far in the future because they are liable for them, while US companies have no idea if their customer will still be around in 20 years.<p>My guess would be there's a healthy dollop of regulation pushing the German insurance market into that shape, otherwise you would probably see short-term insurers outcompeting long-term insurers since they wouldn't have to do old-age reserves and could therefore charge lower premiums. Consumers tend not to be nearly as good at rationally planning for long term expenditures as are actuaries.</p>
]]></description><pubDate>Thu, 11 Dec 2025 22:31:20 +0000</pubDate><link>https://news.ycombinator.com/item?id=46238216</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=46238216</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=46238216</guid></item><item><title><![CDATA[New comment by scott00 in "FTC adopts a comprehensive ban on new noncompetes with all workers"]]></title><description><![CDATA[
<p>It mentions reduced spending on doctors. My thinking on the mechanism is that freeing doctors from noncompetes makes it easier for them to leave big practices and start small ones. Small practices have less bargaining power with insurance companies and will have to charge lower rates.</p>
]]></description><pubDate>Wed, 24 Apr 2024 02:30:42 +0000</pubDate><link>https://news.ycombinator.com/item?id=40139811</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=40139811</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=40139811</guid></item><item><title><![CDATA[New comment by scott00 in "Gigantic new aircraft design aims to create the largest plane ever to fly"]]></title><description><![CDATA[
<p>Doesn't make intuitive sense to me why you'd need a whole new airplane for this. Can you not rig something up to let one of these blades ride on top of an existing plane like the space shuttle transporter? Or would Sergey Brin's giant dirigible work? Or two helicopters flying in formation? Or just make the blades come in two pieces assembled on site?<p>Just seems very hard to believe a project as massive as a whole new airplane is the best solution to this problem.</p>
]]></description><pubDate>Sat, 23 Mar 2024 00:07:44 +0000</pubDate><link>https://news.ycombinator.com/item?id=39796137</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=39796137</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=39796137</guid></item><item><title><![CDATA[New comment by scott00 in "Swept away: $500k sand dune built to protect US homes disappears in days"]]></title><description><![CDATA[
<p>I was curious on some of the details, so I did a little digging.<p>The town in question (Salisbury, MA) is built on a narrow strip of land between a marsh and the ocean. Mostly between 2 and 5 houses wide. Doesn't seem like you need a geology PhD to determine you're going to have some erosion problems here.<p>As best I could determine, the beach replenishment in question was from access points 5 - 11, which covers 1.6 miles and about 150 homes. If I'm right on that, they put down enough sand to extend the beach 3-7 feet[0]. So the first thing to note is that this was a very small beach replenishment project. The senator is probably right that they should go bigger next time.<p>The cost per home for that would have come out to about $3333.33. Honestly, even if you triple it and do it every year, I don't find that to be an unreasonable expense to impose on owners of $1-5 million houses built on a sand dune. These guys need to quit whining and raise their _local_ taxes the relatively modest amount necessary to preserve their town. Something like $5k/year for beachfront and $1k/year for the rest would get the job done.<p>[0] This is assuming a constant slope to the beach. The low end is extending at 3 feet above sea level, the high end is extending at 6 feet above sea level.</p>
]]></description><pubDate>Wed, 20 Mar 2024 13:42:29 +0000</pubDate><link>https://news.ycombinator.com/item?id=39766358</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=39766358</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=39766358</guid></item><item><title><![CDATA[New comment by scott00 in "Intermittent fasting linked to a 91% higher risk of cardiovascular death"]]></title><description><![CDATA[
<p>For the benefit of readers, here's the quote from the article indicating no controls:<p>"Factors that may also play a role in health, outside of daily duration of eating and cause of death, were not included in the analysis."</p>
]]></description><pubDate>Mon, 18 Mar 2024 21:04:27 +0000</pubDate><link>https://news.ycombinator.com/item?id=39749997</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=39749997</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=39749997</guid></item><item><title><![CDATA[New comment by scott00 in "Lyft, Uber to leave Minneapolis after city council forces higher driver pay"]]></title><description><![CDATA[
<p>Contractors pay self employment taxes in lieu of the social security and Medicare payroll tax, and as a result are eligible for both.<p>The health insurance situation is not great, but it's available through Obamacare. In my experience the actual cost is not much worse than employer provided, but the true cost is often subsidized, so employees don't always realize how much salary they are giving up for health insurance.<p>No eligibility for unemployment or workers comp though.</p>
]]></description><pubDate>Sat, 16 Mar 2024 21:38:56 +0000</pubDate><link>https://news.ycombinator.com/item?id=39729715</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=39729715</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=39729715</guid></item><item><title><![CDATA[New comment by scott00 in "Wendy's will experiment with dynamic surge pricing for food in 2025"]]></title><description><![CDATA[
<p>'motivate customers to visit' - Some people like cheap stuff. Some amount of people who are not willing to pay x for a meal at noon might be willing to pay 0.9x at 2 pm. Other people have money and tight and inflexible schedules. Some of them may be more willing to visit at noon and pay 1.1x than they would be to visit at noon, wait in a 10 minute line, and pay x.<p>'enhance customer and crew experience' - Neither customers nor crew like it when the restaurant is busy enough that the line gets long. By making it more expensive to eat at peak times and less expensive to eat at off peak times, they think they can smooth out the demand schedule. Of course whether that's a net positive to any given consumer depends on their relative preferences on meal time, wait time, and meal cost. But the potential is there at least. On the crew side, a smoother demand schedule means they can either schedule fewer people on longer shifts, or if they keep schedules the same reduce the amount of "crunch time" during each shift.</p>
]]></description><pubDate>Wed, 28 Feb 2024 03:42:57 +0000</pubDate><link>https://news.ycombinator.com/item?id=39533708</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=39533708</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=39533708</guid></item><item><title><![CDATA[New comment by scott00 in "Researchers have found a faster way to do integer linear programming"]]></title><description><![CDATA[
<p>I think what this work does is establish a new, and lower, upper bound on the number of points that need to be explored in order to find an exact solution.<p>From some of your other replies it looks to me like you're confusing that with an improved bound on the value of the solution itself.<p>It's a little unclear to me whether this is even a new solution algorithm, or just a better bound on the run time of an existing algorithm.<p>I will say I agree with you that I don't buy the reason given for the lack of practical impact. If there was a breakthrough in practical solver performance people would migrate to a new solver over time. There's either no practical impact of this work, or the follow on work to turn the mathematical insights here into a working solver just haven't been done yet.</p>
]]></description><pubDate>Tue, 30 Jan 2024 13:06:41 +0000</pubDate><link>https://news.ycombinator.com/item?id=39189642</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=39189642</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=39189642</guid></item><item><title><![CDATA[New comment by scott00 in "Pricing Americans with finite-difference"]]></title><description><![CDATA[
<p>Yeah, the discretization interacts with the oscillation for sure. Full implicit is better than CN with regards to oscillation for instance, but I don't think would be a net win. Running a few implicit steps before switching to CN might help, though I've never tried it.</p>
]]></description><pubDate>Sat, 23 Dec 2023 03:54:39 +0000</pubDate><link>https://news.ycombinator.com/item?id=38741480</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38741480</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38741480</guid></item><item><title><![CDATA[New comment by scott00 in "Pricing Americans with finite-difference"]]></title><description><![CDATA[
<p>Is that method extensible to discrete dividends?</p>
]]></description><pubDate>Sat, 23 Dec 2023 03:25:18 +0000</pubDate><link>https://news.ycombinator.com/item?id=38741349</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38741349</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38741349</guid></item><item><title><![CDATA[New comment by scott00 in "Pricing Americans with finite-difference"]]></title><description><![CDATA[
<p>Crank-Nicolson is probably the least objectionable part of the method, but I prefer ADE.<p>There are two numerically painful parts of the problem: the advection term and the oscillation inducing terminal condition (because it has a discontiuous derivative). I like to deal with advection by transforming the equation to an advection free equation. I'm under NDA on the best solution to the oscillatory terminal condition so I can't give that one away unfortunately.</p>
]]></description><pubDate>Sat, 23 Dec 2023 03:08:49 +0000</pubDate><link>https://news.ycombinator.com/item?id=38741267</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38741267</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38741267</guid></item><item><title><![CDATA[New comment by scott00 in "Pricing Americans with finite-difference"]]></title><description><![CDATA[
<p>This method will work but will require a large grid and consequently be quite slow. And order of magnitude or two faster than this is possible if you are clever.</p>
]]></description><pubDate>Fri, 22 Dec 2023 23:56:51 +0000</pubDate><link>https://news.ycombinator.com/item?id=38740190</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38740190</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38740190</guid></item><item><title><![CDATA[New comment by scott00 in "Charlie Munger has died"]]></title><description><![CDATA[
<p>Dark pool trades are reported to the FINRA TRF within at most 10 seconds and appear on the consolidated market data feed.</p>
]]></description><pubDate>Tue, 28 Nov 2023 21:39:34 +0000</pubDate><link>https://news.ycombinator.com/item?id=38451674</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38451674</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38451674</guid></item><item><title><![CDATA[Colorado judge chides company that tried to pay $23,500 settlement in coins]]></title><description><![CDATA[
<p>Article URL: <a href="https://apnews.com/article/settlement-coins-colorado-tons-bfbd65e19d0bc4dfb1d5b67275176186">https://apnews.com/article/settlement-coins-colorado-tons-bfbd65e19d0bc4dfb1d5b67275176186</a></p>
<p>Comments URL: <a href="https://news.ycombinator.com/item?id=38106906">https://news.ycombinator.com/item?id=38106906</a></p>
<p>Points: 3</p>
<p># Comments: 1</p>
]]></description><pubDate>Wed, 01 Nov 2023 23:33:27 +0000</pubDate><link>https://apnews.com/article/settlement-coins-colorado-tons-bfbd65e19d0bc4dfb1d5b67275176186</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38106906</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38106906</guid></item><item><title><![CDATA[New comment by scott00 in "The Cloud Computer"]]></title><description><![CDATA[
<p>If you are genuinely in the market for multiple racks of servers you (a) know how much a rack of hp/dell gear costs, which gets you within an order of magnitude of what this is going to cost, and (b) would not buy one of these without a sales call even if you could.</p>
]]></description><pubDate>Thu, 26 Oct 2023 12:32:58 +0000</pubDate><link>https://news.ycombinator.com/item?id=38024674</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38024674</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38024674</guid></item><item><title><![CDATA[New comment by scott00 in "Waymo says insurance data shows its driverless cars are safer than humans"]]></title><description><![CDATA[
<p>Drivers doing nothing productive are expensive, but drivers working ride hail are somewhere in the range of cheap to slightly profitable.<p>The comparison with Uber depends strongly on how similar the dispatch profiles are, and I would not be quick to assume that they are similar. If they are limiting the self-driving cars due to weather, or time of day, or any property of trip type it could easily have a substantial impact.</p>
]]></description><pubDate>Wed, 25 Oct 2023 11:05:21 +0000</pubDate><link>https://news.ycombinator.com/item?id=38011500</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38011500</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38011500</guid></item><item><title><![CDATA[New comment by scott00 in "Waymo says insurance data shows its driverless cars are safer than humans"]]></title><description><![CDATA[
<p>The existing studies have decent metrics given the sample sizes, IMO, I would use something similar. For the Cruise study that was recently released it was collisions, with sub-analyses for collisions with stationary objects, low speed collisions, and high speed collisions.<p>I believe that you are correct that scale is too low for analyzing injuries or deaths.</p>
]]></description><pubDate>Wed, 25 Oct 2023 10:59:45 +0000</pubDate><link>https://news.ycombinator.com/item?id=38011475</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38011475</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38011475</guid></item><item><title><![CDATA[New comment by scott00 in "Waymo says insurance data shows its driverless cars are safer than humans"]]></title><description><![CDATA[
<p>Been a flurry of self driving car safety news lately. Both Cruise and Waymo are reaching for more sophisticated comparison samples than nationwide stats to demonstrate the safety of their systems.<p>But the obvious way to prove this, to me anyway, is to run a randomized controlled trial. Put them in a dispatch system with human driven cars, randomize whether any given assignment goes to a human or a robot, and you've got the statistical gold standard.<p>Anybody understand why they're not doing this?</p>
]]></description><pubDate>Wed, 25 Oct 2023 01:12:53 +0000</pubDate><link>https://news.ycombinator.com/item?id=38007935</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=38007935</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=38007935</guid></item><item><title><![CDATA[New comment by scott00 in "What if public transit was like Uber? A small city ended bus service to find out"]]></title><description><![CDATA[
<p>I tried to figure out what the economics on this looked like from the Wilson, NC Mass Transit Fund budget: <a href="https://www.wilsonnc.org/home/showpublisheddocument/5592/638257887552670000" rel="nofollow noreferrer">https://www.wilsonnc.org/home/showpublisheddocument/5592/638...</a><p>The numbers were confusing. Among them, for 2021-2022:<p>Ridership: 156,904<p>Revenue Mile: 315,409<p>Total expenses: $2,022,634<p>Fares collected: $3,255<p>The total fares and ridership from the budget do not seem consisten with the unit fares discussed in the article.<p>My best guess here is that the fares discussed in the article aren't showing up in the financial statements, and the ones in the statements are for another service entirely, maybe disabled transit.<p>Across their entire system, they're spending $12.89/ride. I'm lacking data for this assertion, but my gut is the non-microtransit stuff is fairly negligible here. Even if we knock it down to $10/ride we're still talking an 80% subsidy.<p>But 2019-2020, before the switch to microtransit they were at $28.03/ride. So they do seem to be picking up substantial operating efficiency, even if it's still heavily subsidized.<p>Covid's probably skewing that substatially...2018-2019 only $15.15 subsidy per ride. So still some improvements but not that amazing. And they were collecting $0.73/ride of revenue, so that subsidy rate was 95%.</p>
]]></description><pubDate>Sat, 16 Sep 2023 20:23:40 +0000</pubDate><link>https://news.ycombinator.com/item?id=37538364</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=37538364</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=37538364</guid></item><item><title><![CDATA[New comment by scott00 in "Experts fear crooks are cracking keys stolen in LastPass breach"]]></title><description><![CDATA[
<p>Depends on your definition of a good password.<p>The experience of one victim mentioned suggests it's economical to crack at least 50 bit entropy passwords for at most a $3.5 mil payout.<p>50 bits isn't great, but it's not terrible either.</p>
]]></description><pubDate>Sat, 09 Sep 2023 13:59:28 +0000</pubDate><link>https://news.ycombinator.com/item?id=37445502</link><dc:creator>scott00</dc:creator><comments>https://news.ycombinator.com/item?id=37445502</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=37445502</guid></item></channel></rss>