2026 04 22 Hassle Threshold Engine

Hassle Threshold Engine — Completion Log

Date: 2026-04-22 Code: /home/ta/projects/mbr/hassle-engine/ Task file: _WorkingOn/Tasks/2026-04-08_Hassle-Threshold-Engine.md (closed)

---

What Was Built

Python CLI tool that reads from rate-scanner/data/rates.db, evaluates user-defined savings thresholds, and produces alert payloads when the verified net benefit exceeds the user’s minimum.

Structure:

hassle-engine/
├── hassle_engine/
│   ├── engine.py      # calculate_net_benefit() + evaluate_threshold()
│   ├── models.py      # UserThresholdConfig, RateRecord, AlertPayload (Pydantic)
│   ├── db.py          # read-only SQLite; filters to hisa/chequable only
│   ├── alerts.py      # build_alert_payload() with recommendation text + suppress_until
│   └── cli.py         # evaluate, evaluate-all, status commands + --dry-run
├── config.yaml        # all paths/thresholds; no hardcoded values in Python
└── tests/             # 13/13 passed

CLI commands:

hassle-engine evaluate --user-config path/to/user.json [--dry-run]
hassle-engine evaluate-all --config-dir path/to/users/ [--dry-run]
hassle-engine status

Key Design Decisions

• Read-only consumer of rates.db — hassle-engine never writes to rate-scanner’s DB
• Own state in hassle.db — suppress_until dates stored separately
• Category filter — db.py filters to hisa and chequable categories only; GICs excluded from alert evaluation
• Users as JSON files (Phase A) — data/users/; will switch to CRM API in Phase B

Test Evidence

uv run pytest tests/ -v → 13 passed, 0 warnings

Manual verification: TD 0.010% → Saven 2.85%, $50k balance, $50 time cost = $1,370 net/yr → alert fires ✓

Note on Rates

Best liquid savings account as of 2026-04-03 scrape: Saven Financial 2.85% (not EQ Bank 3.65% — that is a GIC, filtered out correctly).

Phase B Wiring

When CRM API is live: update config.yaml (users section) and db.py to pull user configs from Supabase instead of JSON files. No structural changes needed.

Session Also Covered

• Renamed /home/ta/projects/bmr/ → /home/ta/projects/mbr/ (typo fix)
• Updated crontab, all shell scripts, Python path references, and 9 KB notes