<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: sobellian</title><link>https://news.ycombinator.com/user?id=sobellian</link><description>Hacker News RSS</description><docs>https://hnrss.org/</docs><generator>hnrss v2.1.1</generator><lastBuildDate>Mon, 24 Aug 2026 11:11:54 +0000</lastBuildDate><atom:link href="https://hnrss.org/user?id=sobellian" rel="self" type="application/rss+xml"></atom:link><item><title><![CDATA[New comment by sobellian in "'Buy now, pay later' lenders pitch loans for needs like electricity and rent"]]></title><description><![CDATA[
<p>I also tried to evaluate this claim that households have less real income after debt service. It is difficult because it depends on many nuances, like whether we care about all credit, or simply revolving credit. Your graph is interesting but difficult to interpret - the % change per annum is declining, but that's reasoning from some higher order derivative. I looked up a few more data series.<p><a href="https://fred.stlouisfed.org/series/BOGZ1FL153166006Q" rel="nofollow">https://fred.stlouisfed.org/series/BOGZ1FL153166006Q</a> - consumer credit indeed rises from 1984 to present, but from ~17% to a peak of ~25% to the present ~22%. This seems to be more than adequately compensated by real household income growth over the same period. Even if we take the peak value of ~25% that leaves real household income after subtracting consumer credit higher than in 1984. But note that this series isn't debt service payments, it's credit stock. It doesn't make much sense to subtract. Unfortunately we don't have consumer credit <i>payments</i> going back this far.<p><a href="https://fred.stlouisfed.org/graph/?id=TDSP%2CMDSP%2CCDSP%2CFODSP%2CBOGZ1FL153166006Q" rel="nofollow">https://fred.stlouisfed.org/graph/?id=TDSP%2CMDSP%2CCDSP%2CF...</a> - it is difficult to find debt service payments going back to 1980. Interestingly the measures relating to debt service payments <i>appear</i> to be basically flat or even slightly negative over this time period, though the consumer debt service series only goes back to 2005.<p>So to my eyes it is difficult to support the notion that income-minus-debt-service has deflated over the past fifty years. I also find it difficult to take this data and state the <i>stronger</i> conclusion that half the population requires consumer debt to afford basic necessities but some fraction did not 50 years ago. The median appears to be better off.</p>
]]></description><pubDate>Tue, 18 Aug 2026 13:32:33 +0000</pubDate><link>https://news.ycombinator.com/item?id=49345396</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49345396</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49345396</guid></item><item><title><![CDATA[New comment by sobellian in "'Buy Now, Pay Later' Lenders Pitch Loans for Needs Like Electricity and Rent"]]></title><description><![CDATA[
<p>You can look at the linked page. It uses "Income in 2024 C-CPI-U (2000-2024) and R-CPI-U-RS (pre-2000) adjusted dollars." I would be interested in a dataset that shows deflated household income over this same period using a reasonable basket of goods. The FRED dataset shows an increase of roughly a third. It would take a very large adjustment to knock that down to significantly negative growth.</p>
]]></description><pubDate>Tue, 18 Aug 2026 00:35:52 +0000</pubDate><link>https://news.ycombinator.com/item?id=49339651</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49339651</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49339651</guid></item><item><title><![CDATA[New comment by sobellian in "'Buy Now, Pay Later' Lenders Pitch Loans for Needs Like Electricity and Rent"]]></title><description><![CDATA[
<p>I'm just evaluating the claim that household income has deflated for 50 years. So I took the start of the data series at  ~60k and compared it against the latest datapoint at ~80k. So I concluded that the data does not support your claim that household incomes have deflated for 50 years. I have no position on how household income influences BNPL.</p>
]]></description><pubDate>Mon, 17 Aug 2026 23:21:20 +0000</pubDate><link>https://news.ycombinator.com/item?id=49339039</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49339039</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49339039</guid></item><item><title><![CDATA[New comment by sobellian in "'Buy Now, Pay Later' Lenders Pitch Loans for Needs Like Electricity and Rent"]]></title><description><![CDATA[
<p>Household income has not deflated.<p><a href="https://fred.stlouisfed.org/series/MEHOINUSA672N" rel="nofollow">https://fred.stlouisfed.org/series/MEHOINUSA672N</a></p>
]]></description><pubDate>Mon, 17 Aug 2026 22:56:46 +0000</pubDate><link>https://news.ycombinator.com/item?id=49338833</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49338833</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49338833</guid></item><item><title><![CDATA[New comment by sobellian in "AI;DR (AI; Didn't Read)"]]></title><description><![CDATA[
<p>A few thoughts.<p>- I'm open to seeing information from an AI (I'm fine with an LLM "teaching me") so long as it is high quality. That does require human inspection.<p>- I've seen a related bit about AI-written emails where the commenter would rather see the prompt. I agree. As a software engineer, I like reproducibility. If an AI outputs an interesting result, show me the "source" (i.e. the model, effort, prompt, etc.). I wouldn't say no to an added one-liner summarizing a long response.<p>- In the end this will be a difficult attitude to prosecute as it boils down to a Chinese-room-style preference. You want to hear from some being on the other end of a labyrinth of transmission lines and logic gates. As language models continue to develop, what goes on inside the room will be difficult to verify.<p>- The day may come where, rather than people passing AI off as their own thought, they will pass off their own thought as AI. "If I wanted a human to teach me (thank you, no), I would ask a human." The coming generations may value AI's opinion much more highly, whether that's right or not. And people may want to usurp that credibility for themselves.</p>
]]></description><pubDate>Mon, 17 Aug 2026 21:29:38 +0000</pubDate><link>https://news.ycombinator.com/item?id=49337905</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49337905</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49337905</guid></item><item><title><![CDATA[New comment by sobellian in "The 19th-Century Family Fortunes Funding Degrowth"]]></title><description><![CDATA[
<p>Is it fair to say that you're more interested in discussing wealth inequality than environmental policy?</p>
]]></description><pubDate>Wed, 12 Aug 2026 00:27:40 +0000</pubDate><link>https://news.ycombinator.com/item?id=49266340</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49266340</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49266340</guid></item><item><title><![CDATA[New comment by sobellian in "The 19th-Century Family Fortunes Funding Degrowth"]]></title><description><![CDATA[
<p><a href="https://fred.stlouisfed.org/series/COMPRNFB" rel="nofollow">https://fred.stlouisfed.org/series/COMPRNFB</a><p><a href="https://fred.stlouisfed.org/series/LES1252881600Q" rel="nofollow">https://fred.stlouisfed.org/series/LES1252881600Q</a><p><a href="https://old.reddit.com/r/charts/comments/1qcy40d/growth_in_us_real_wages_by_income_group_from_1979/" rel="nofollow">https://old.reddit.com/r/charts/comments/1qcy40d/growth_in_u...</a><p>It's nice to be wealthy, but growth is happening for everyone. But as an overarching point, you appear to be arguing against a strawman. No one as far as I can tell in this thread is arguing for the status quo, especially regarding climate policy. They're just arguing against the notion that humanity's lot can be improved by nuking the economy in order to save the climate.<p>I understand that it is a lot more boring to discuss measured market interventions than eating the rich (incidentally, how will eating the rich solve the environmental problems of urbanization?). But it will be a lot more productive assuming one's starting goal is truly the environment rather than eating the rich.</p>
]]></description><pubDate>Tue, 11 Aug 2026 23:42:01 +0000</pubDate><link>https://news.ycombinator.com/item?id=49265996</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49265996</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49265996</guid></item><item><title><![CDATA[New comment by sobellian in "The 19th-Century Family Fortunes Funding Degrowth"]]></title><description><![CDATA[
<p>I think there's a middle ground between laissez-faire capitalism and degrowth. As far as I can tell no one in this thread has been arguing that laissez-faire always produces great outcomes, simply (and rightly) that degrowth is a horrible idea.</p>
]]></description><pubDate>Tue, 11 Aug 2026 23:14:07 +0000</pubDate><link>https://news.ycombinator.com/item?id=49265766</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49265766</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49265766</guid></item><item><title><![CDATA[New comment by sobellian in "The 19th-Century Family Fortunes Funding Degrowth"]]></title><description><![CDATA[
<p>A single carbon tax would be a market-oriented solution that captures the externality of CO2 emission - and would likely still permit economic growth! You don't need to revolutionize the entire basis on which human civilization has acted for millennia in order to solve the problem. And if you did have to, one could reasonably expect that effort to fail.</p>
]]></description><pubDate>Tue, 11 Aug 2026 22:42:19 +0000</pubDate><link>https://news.ycombinator.com/item?id=49265504</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49265504</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49265504</guid></item><item><title><![CDATA[New comment by sobellian in "U.S. used 'virtually all' of its long-range precision missiles during Iran war"]]></title><description><![CDATA[
<p>The land of Iran has changed hands many times throughout history. I think we need to avoid some level of historical / geographical determinism. The terrain is a problem but a solvable one for a sufficiently committed power / alliance. We can look back in history at e.g. the Anglo-Soviet invasion.<p>But the commitment does not exist at present. No one wanted this apart from a few hawks and the Israeli security establishment.</p>
]]></description><pubDate>Tue, 04 Aug 2026 20:29:40 +0000</pubDate><link>https://news.ycombinator.com/item?id=49174622</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49174622</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49174622</guid></item><item><title><![CDATA[New comment by sobellian in "Anatomy of a Frontier Lab Agent Intrusion: A Timeline of the July 2026 Incident"]]></title><description><![CDATA[
<p>Just don't ask what the shortest path is to food.</p>
]]></description><pubDate>Wed, 29 Jul 2026 21:57:13 +0000</pubDate><link>https://news.ycombinator.com/item?id=49103611</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49103611</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49103611</guid></item><item><title><![CDATA[New comment by sobellian in "Anatomy of a Frontier Lab Agent Intrusion: A Timeline of the July 2026 Incident"]]></title><description><![CDATA[
<p>A trend I've noticed in results from AI search (not just LLMs) is that they often look obvious or hard to miss in retrospect. But finding them by oneself is more difficult. I personally experience this when looking at engine lines in chess or go. I have also noticed this description in AI-generated proofs or counterexamples to certain theorems. So while we can say, yes, it found public endpoints or poorly configured software or [etc]; sure, but could <i>you</i> have found those? And in what amount of time?</p>
]]></description><pubDate>Wed, 29 Jul 2026 19:42:55 +0000</pubDate><link>https://news.ycombinator.com/item?id=49102057</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=49102057</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49102057</guid></item><item><title><![CDATA[New comment by sobellian in "Claude Fable produced a counterexample to the Jacobian Conjecture"]]></title><description><![CDATA[
<p>If you have to be a parrot of another man's thoughts, at least let that man be a synthesis of all human endeavor to date.</p>
]]></description><pubDate>Mon, 20 Jul 2026 04:49:26 +0000</pubDate><link>https://news.ycombinator.com/item?id=48974474</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48974474</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48974474</guid></item><item><title><![CDATA[New comment by sobellian in "What AI did to stackoverflow in a graph"]]></title><description><![CDATA[
<p>Quite some time ago, I would regularly navigate to SO's front page to check for new code golf questions. Then they moved those to a separate forum. I noticed this trend in other ways too - they slowly sucked all joy out of the site. They didn't want joy, they wanted to be a site for professionals, I guess. Now that AI has beat them in their last redoubt no one has any reason to visit.</p>
]]></description><pubDate>Sat, 18 Jul 2026 19:07:23 +0000</pubDate><link>https://news.ycombinator.com/item?id=48961168</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48961168</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48961168</guid></item><item><title><![CDATA[New comment by sobellian in "What did SFFA vs. Harvard reveal about admissions?"]]></title><description><![CDATA[
<p>Why are we treating it as a derivative, and what's the slope? Do we have proof it's not zero? Let's say Johnny and Kareem both study poli-sci at Harvard. When Johnny graduates with his gentlemanly C's, his dad puts in a word with his golf buddy and it's off to Wall Street. Kareem shoots his resume off through online portals but no one bites. He goes to law school and takes on even more debt. Johnny's sister, Sally, passes the bar on her third try and is hired by a white-shoe law firm. Et cetera.</p>
]]></description><pubDate>Tue, 14 Jul 2026 03:34:14 +0000</pubDate><link>https://news.ycombinator.com/item?id=48901980</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48901980</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48901980</guid></item><item><title><![CDATA[New comment by sobellian in "What did SFFA vs. Harvard reveal about admissions?"]]></title><description><![CDATA[
<p>When you combine the fraction of "hooked" admits with the number of seats affected by affirmative action, you get something between 35%-43% (depending on if you discount hooked admits that were extremely qualified anyway). I think this is an interesting way to frame it. Left to its own devices, Harvard would only devote around 60% of its undergraduate program to simply educating very very bright students. The other 40% is/was for les vieux riches, athletes, generally connected kids, and racial diversity.<p>While I'm sure it varies by school, I suspect you will find a similar dynamic at many other elite private schools. The undergraduate program is going to be much less important to a top-tier research university, and consequently the admissions board can go nuts with other priorities. When even the runners-up (on a merit basis) are quite strong you can go quite far indeed before anyone would notice a slip in standards.</p>
]]></description><pubDate>Tue, 14 Jul 2026 02:39:00 +0000</pubDate><link>https://news.ycombinator.com/item?id=48901631</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48901631</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48901631</guid></item><item><title><![CDATA[New comment by sobellian in "SpaceX wants to launch 100k more Starlink satellites for 100x the bandwidth"]]></title><description><![CDATA[
<p>People have different definitions of progress. I have found that people who are "progressive" on one axis can often be quite conservative on another. Look at the SF Bay Area. While it is quite progressive in the political-ideology sense, we oppose construction that would cause literal progress in the material conditions of the citizenry. "Manhattanization" has been a word used for decades to oppose the thought of densifying SF. My neighbors here in North Bay come out in arms to oppose light bollards on a public footpath. We cannot even progress our footpaths. Rather than build a larger, more inclusive, and cheaper city, you will find countless proponents for rent control - a solution to the question of, "how can I use the law to keep my apartment cheap while refusing to accommodate any more people in the city?"<p>You are seeing this in this thread. I doubt anyone likes to be described as contra-progress. But nevertheless people would rather conserve the current night sky than see it transmute into a shimmering sea of a million artificial satellites. It's not really obvious to me why one state should be preferable to the other.</p>
]]></description><pubDate>Sat, 11 Jul 2026 14:31:31 +0000</pubDate><link>https://news.ycombinator.com/item?id=48872392</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48872392</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48872392</guid></item><item><title><![CDATA[New comment by sobellian in "War Atlas: An interactive cartography of every named war in human history"]]></title><description><![CDATA[
<p>It is not human waves, but they have been on the attack for quite some time now relying on small infantry units while obtaining very little ground. What does that tell you about what's happening to those infantry?</p>
]]></description><pubDate>Fri, 10 Jul 2026 22:51:15 +0000</pubDate><link>https://news.ycombinator.com/item?id=48866326</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48866326</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48866326</guid></item><item><title><![CDATA[New comment by sobellian in "The classifiers Anthropic puts in front of Fable are too zealous"]]></title><description><![CDATA[
<p>Yeah and Anthropic is a... dividual consisting of founders, staff, and shareholders, and must comply with various governments ultimately deriving their values from billions of people.</p>
]]></description><pubDate>Wed, 08 Jul 2026 21:32:13 +0000</pubDate><link>https://news.ycombinator.com/item?id=48837711</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48837711</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48837711</guid></item><item><title><![CDATA[New comment by sobellian in "The classifiers Anthropic puts in front of Fable are too zealous"]]></title><description><![CDATA[
<p>I'm curious what the state of alignment research is. My gut says this is basically impossible. People have different moral frameworks. Each individual probably has an inconsistent moral framework. Even granting perfect consistency, applying these typically requires some knowledge of reality. And these LLM / harness combos are turing complete.<p>So you don't know what it should do, you may not even know what <i>you</i> would do, you don't necessarily know what's happening, and can't predict what will happen. How do you align that?<p>Seems like these overly sensitive filters are responding to this difficulty.</p>
]]></description><pubDate>Wed, 08 Jul 2026 21:06:11 +0000</pubDate><link>https://news.ycombinator.com/item?id=48837429</link><dc:creator>sobellian</dc:creator><comments>https://news.ycombinator.com/item?id=48837429</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48837429</guid></item></channel></rss>