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Show HN: A 3D Mac window switcher with browser tab support and search

I also tried a bunch of different Command-Tab alternatives like AltTab, but so far they always lacked the following things: a live visual preview of windows and some kind of way to switch and search between individual browser tabs.So I built a simple prototype and refined it over the last two months.It goes like this: press a shortcut and every open window shows up as a 3D card, in one of seven arrangements. Browser tabs get their own cards as well and you can flick through each one. Hitting spa

Show HN: Ifso.io – Personal finance simulator with no sign up required

I personally wanted to see what it would look like if I made some key financial decisions (ex: what would it look like if I paid extra on my mortgage principal for just a few years versus putting that money into taxable investments). The existing tools were a bit frustrating however, I felt like I wanted to just tell the simulators "here's what I want to do, how does it end up for me?", but none of the tools really allowed for that. They felt a bit over-complicated for something t

Some Thoughts on the Economics of UPI and MDR

The announcement of MDR charges for certain UPI transactions from 15th October has created a fair amount of panic and controversy, as one might expect.One side of the debate is arguing that this is “only for merchants, not consumers”, that the system cannot run for free forever, and that most UPI transactions will remain unaffected. On the other side, ordinary citizens and merchants are understandably concerned. UPI was deliberately built around a zero-MDR model and was subsequently supported by government incentives. So the shift towards a transaction-funded model naturally raises the question: why now, and who exactly is going to benefit from it?UPI was designed to make digital payments almost invisible: instant, ubiquitous and free. The difficult question was always who pays for the machinery underneath it. The decision presents an interesting economic dilemma. On one hand, there is some precedence for ‘upkeep charges’ here. I tried to research many digital payment systems across the world including credit and debit cards, Brazil’s Pix (similar to India’s UPI), wallet systems like PayPal and Webmoney, etc. and couldn’t find a major payment ecosystem that’s fully free or govt subsidized.But on the other hand, the govt wastes thousands of crores in useless things like election freebies, care funds, etc. Subsidizing Rs. 2K crores for a UPI system that forms the payment backbone of the country should be a pittance comparatively. Apart from arbitrary thresholds proposed in this framework (like who decided on Rs. 2000 as limit for MDR?), I wanted to understand where this demand is coming from and who in the UPI ecosystem is facing losses that now need to be covered.The podcast The new UPI equation by The Ken is highly informative in this regard and recommended watch if you’re interested in this topic.https://www.youtube.com/watch?v=KX5dEhO09xAThe question isn’t really whether UPI costs money. It obviously does. The interesting question is who should pay for it, and who should capture the resulting revenue.The UPI infrastructure cost is presently borne by both Banks and UPI app developers like GPay and Phonepe. The UPI apps apparently operate on a ‘break even’ model, they don’t earn any revenue from the payment transfers itself but by providing other value added services through their apps like credit and insurance products, travel booking, etc. In the early days of UPI, this model was probably sustainable but overtime it has saturated a lot, perhaps due to too much competetion and UPI coverage approaching its growth limit in the country.The demand for MDR appears to have come primarily from these app developers as they’re the ones losing the most in this payment cycle. Another interesting aspect is the subsidy received from govt. As mentioned by one of the podcast hosts, the banks take away most of that Rs. 2k crore subsidy received (about ~80%) and very little is left for these app developers. The app developers aren’t happy about it considering they do most of the front facing work like UX development, and banks themselves benefit the most from a cashless ecosystem.The podcast also talks about how a lot of new players who didn’t enter payment app space earlier may now want to enter. Apps like Zomato and Swiggy will want to become UPI payment providers themselves as it will help them recover the MDR incurred on the transactions. On the other hand, will some merchants and customers go back to hard cash again? In any case, there could be several ripple effects and unknown variables to this move which will come out only on 15th October - if this MDR framework gets implemented.

Ask HN: Co-Founder(s). Do I need any? How would I even find them?

I'm a technologist and have experience in academia, private, and now public sector work. I had an idea stewing in the back of my mind for about a year and it became 'fully-formed' enough to be a proof-of-concept such that I filed a provisional patent a few months ago. At this point, I don't want to quit my day job (federal agency, GS11, but have an in to be GS15 within 3 years). But I really want my idea to succeed (or at the very least, see the light of day). I have some savings piled up, but I'm hesitant to spend it on 'grown-up' patent papers yet. I also already have 3 other 'side gigs' (not to mention 4 kids and a blushing bride) that take up more than most of my time. How would I even find someone that I could trust enough to help me take my idea and hit a home run with it?I don't want to talk about the details of my invention. I did talk to a patent attorney that's done a couple dozen startups through their firm though. He said I could probably get $20k-$50k in seed money for it. It's not a "better mousetrap", it's more a "new thing" that's never existed before (but also never really 'needed to' before).Do I NEED a co-founder, or can I 'slow-walk' launching a business based solely on a new gizmo? I'm not very good at social media/marketing, which is where I think my gizmo would thrive the most (but that's purely a guess). I feel like if I could find the perfect person, it really could explode, but I have literally not even the faintest clue where/how to start that. Am I an employer all-of-a-sudden even though I have no revenue to pay salaries?Somebody heard that I had invented this thing and they asked me, "So, I hear you're an inventor?" And I kind of stammered and said "well.... it was an accident. I didn't mean to, I promise." This was mostly to be funny/silly, not that I don't believe in the idea. But I know this sort of 'startup/founder(s)/seed-money' thing is HN's bread-and-butter, so I at least thought I'd ask.

Tell HN: An inside view of Montana's new biotech law

It builds on right-to-try (pre-approval access with informed consent, Phase 1 safety data etc.) but goes much further, fixing problems with those laws.Alex Tabarrok called it "the most important regulatory innovation in drug approval in my lifetime" (https://marginalrevolution.com/marginalrevolution/2026/06/mo...). Was posted here but died in /new (https://news.ycombinator.com/item?id=48559525). The mods suggested this post.I contribute

Ask HN: As a freelancer how should I charge my clients in AI era?

Hi HN!As a freelancer, I usually do a requirements workshops + one or two months of development in the pre-ai era. Which was enough to pay the bills and save up. Now I can do things in a matter of days. Do I charge my clients the old time + rate, or just the new reality (which means I'd need more gigs in order to make the same amount of money)Would love to hear your answers, cause charing them the previous moths feels 'off' but then again hard to win so many clients now to close the gap.Ty!

Stripe Withholding Balance of $100000

That it is under review and that they can take 24-48 hours.We then ask to speak to a Manager, and after a hassle and going forth and and back a nanager calls after 2 hours, who doesnt even want to state his full name, only his First name, which we dont even know if its true, and then wheh we insisted he said he cant say their full name.He then says that he will review the account and then come back with follow up on email, and nothing happens in the 48 hours elapsed, so ..We contact stripe again

Show HN: Kaflow Search – A desktop tool for locally indexed Kafka message search

For a long time, I’ve used Kafka for services for some purpose. like tracing user action log, event sourcing propagation pipeline step processing and so on.Whenever I use Kafka, I need to set up kafka ecosystem such as, ELK ( Elasticsearch + Logstash + Kibana) for search Kafka messages for service operation, issue trace. and Kafka sink connector for some data forward other persistent DB, and ksqlDB( or Flink ) for count and monitor event stream. With additional infra and softwareOne day, a thought suddenly crossed my mind.That is “Basically Kafka is processing message stream sequentially, with a consumer.It means If I don’t know what the partition and offset of “needle” is, I have to find needle sequentially from beginning. but if I know Kafka message partition and offset, Can I find and access data directly like other DBMS?”ELK is not necessary on my service at that time. Just I need to search trace events and it is in Kafka topic message. All I need to know is where the data I want to find isMy desktop and your desktop are too powerful, expensive to use only for web browser operation and AI question agent.Let’s use local disk and local application for indexing storage and search engine about Kafka message.This local-first concept is implemented as “Kaflow Search desktop tool”If you don’t need to keep data for a long time or permanently You don’t have to go through the hassle of installing and managing ELK or other Kafka ecosystem infrastructureJust keep and sync index with Kafka cluster server And find messages you want easily with just this tool installed It will save your operation time.When operating company services, The costs of installing server, managing additional ELK/Kafka Connect, ksqlDB instances didn’t come out of my own pocketso I felt free to spend my time and server resources to set additional data pipeline up.but if it is my own service that I afford, I can’t help saving my server cost. I can’t afford the additional infra costs from cloud service (like AWS)I’m not a rich developer, who just has a laptop to develop software. I’ll make the most of my laptop resources, until my service generates enough money, and then I can handle additional server costs. I’ll only use Kafka and this tool on my service, before I really need ELK and other Kafka ecosystem.I dedicate this rich client Kafka tool to developers who, like me, are poor.GitHub : <a href="https://github.com/whsoul/kaflow-search" rel="nofollow">https://github.com/whsoul/kaflow-search</a><If you have kafka cluster>=> Download From release assets ( macOS, Windows ) - <a href="https://github.com/whsoul/kaflow-search/releases/tag/v0.1.3" rel="nofollow">https://github.com/whsoul/kaflow-search/releases/tag/v0.1.3</a><pre><code> From brew ( macOS ) - brew install --cask whsoul/tap/kaflow-search </code></pre> <If you don’t have kafka cluster>=> Download demo From release assets ( macOS, Windows ) - <a href="https://github.com/whsoul/kaflow-search/releases/tag/demo-v0.1.3" rel="nofollow">https://github.com/whsoul/kaflow-search/releases/tag/demo-v0...</a> From brew ( macOS ) - brew install --cask whsoul/tap/kaflow-search-demoPlease try my tool ( on your macOS, Windows ) and feedback for me consumer ID, consumer Group do not remain on your cluster. It does only read operation, not managing function ( such as delete, create topic, repartition cluster topic). It normally only reads once messages that you select, and read local-first index for search your message. So feel free to install this.But it is not developer signed.. (Sorry because I’m poor developer..) Please follow this install guide ( <a href="https://github.com/whsoul/kaflow-search#install" rel="nofollow">https://github.com/whsoul/kaflow-search#install</a> ) about untrusted developer warning when install and first launch.

Best deals on September’s biggest video games from Silent Hill to Control Resonant

If you're looking to pick up one (or several) of September's biggest games, we've rounded up the best deals available right now.

We’ve Found the Best iPhone 18 Pro and Pro Max Deals to Save You Up to $1,300 at Apple, AT&T, T-Mobile, and More

Today's the day. You can finally bring home an iPhone 18 Pro or iPhone 18 Pro Max. Here are the best places to order from to get the biggest bang for your buck.

The best summer clearance sales to shop in 2026

If you love a good thrill-of-the-hunt bargain, the end of summer is your absolute goldmine. Retailers are scrambling to clear out summer clearance inventory, leading to deep, double-digit markdowns on ...

7 patio clearance sales actually worth shopping before Labor Day

There's still time to spruce up your outdoor space for less.

People Are Sharing Things That Are A Huge Waste Of Money, And I Definitely Agree

"I have a friend who is not very well off financially, and is complaining about money to me once a week. Yet she always seems to have money to pay for a celebrity meet-and-greet at least twice a year."

13 Celebs Who Had Poor Money Management And Lost It All (And How)

"Money didn't have a purpose for me; I didn't really know what it was. I just knew that I had it and didn't care about it."

34 Amazing Kitchen Products That'll Save You Money In The Long Run

Savings now, more snacks later.

12 Cheap And Lazy Ways To Cut Down On Waste

The best part of this is how much money you'll also save.

30 Easy Ways To Eat Healthier On A Budget

Because it really shouldn't cost you an arm and a leg.

“All That Money And Fame And Still No Balls”: Here Are All The Celebrities Who Have Sided With Macklemore Or Called Out Ed Sheeran In The Past 48 Hours

One celebrity wrote under Ed’s Instagram page, “I hope the money is worth your humanity.”

46 Beauty Products That Work So Well, They Deserve A Standing Ovation

Let's have a round of applause for the iconic Black Honey lipstick.

Next Side Dock Charging Station for Xbox Series S w/ 2 Batteries for $6 + free shipping

<img src='https://d.dlnws.com/64599/1789931163-949a0057-cecf-41e7-a26e-35e27d93fc38.webp?h=125&w=106' style='float: left;vertical-align: top;margin: 0 8px 8px 0'><div class="snippet summary" title="Best Buy offers the Next Side Dock Charging Station for Xbox Series for $5.99. That's a $16 savings and its best-ever price. My Best Buy members get free shipping on all orders (it's free to join).">Best Buy offers the Next Side Dock Charging Station for Xbox Series for $5.99. That's a $16 savings and its best-ever price. My Best Buy members get free shipping on all orders (it's free to join). Buy Now at Best Buy</div> <div class="snippet features" title="Built-in USB pass-thru port Only compatible with Xbox Series S Charges 2 battery packs at the same time"> <div class="content-section-header">Features</div> <ul class="content-section-list"> <li>Built-in USB pass-thru port</li> <li>Only compatible with Xbox Series S</li> <li>Charges 2 battery packs at the same time</li> </ul> </div>