FortunateSon

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This product is not designed to help you. It is designed to extract data, analyze your behavior, and manipulate you into making poor decisions that are favorable to Meta or its clients

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What proof do you have of this? None. It’s just your speculation.

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That’s the entire business model.

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Clearly, Meta's business model is using Muse to undercut competitors. Muse gives users hours of free compute on a lighter model. Muse's $20 paid tier gives users over $450 in monthly credit on its new Frontier model, Wonder. These tokens are 75% cheaper than the competition. Meta can do this because its massive ad business supports it. They can destroy competitors' margins. They announced further pressure on rivals by running free internal LLMs on high end Apple desktops. All of this will put significant downward pressure on competitors.

Or maybe Zuck manipulated me into writing this.
:lol:

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Prince was a workaholic and was literally always working on something, recording demos, writing, etc. He played behind and wrote for many other artists, plus his own body of work is impressive.

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Well said. Prince's genius was his depth. He wrote fantastic songs. Songs that stood on their own when others recorded them. He was an amazing producer. He completely understood musical arrangement in a way that few do. He was an amazing instrumentalist, vocalist, and showman.

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Heck, he might be #1.

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Agreed.

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Muse AI got banned by Amazon specifically because of its behavior

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Well that and Amazon has its own AI shopper that stands to fall much further behind

Apparently they are rolling out the ability to call businesses on your behalf. Users with the feature say that it navigates the AI bots and menus and rings your phone when a human is available to talk to. That seems like it would be helpful.

I like how it watches your emails and points out potential important topics. It also has a goal section that helps accomplish things in health, finance, career, productivity, etc. It learns about you, so my morning update includes the Dodger score from the previous night and the S&P 500 futures for the day.

An interesting example of what it did for me yesterday. The other day I had connected my frequent flier numbers to it, and it asked if I had travel plans. I said no but I had just bought my daughter a plane ticket to come home next month. It took the reservation number and asked if I wanted to upgrade her to first class. I declined but it offered to monitor the upgrade prices. Lo and behold, it hit me with a $78 first class offer yesterday. I said sure (my daughter will love it) and it booked the whole thing. Pretty damn impressive.

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They are setting up a new system for them to use to replace the old one.

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I can hear that Windows 95 login sound now

I'm about 6 years from retirement, and I'm almost fully invested in equities currently. I realize that the run can't last forever, and I want to retire with a 75/25 portfolio. Should I simply rebalance my portfolio each year, adding a 5% increase to my safe assets? Or change it to a 75/25 allocation now? Am I just overthinking this?

I'm a few years out from retirement, and I'm modeling my retirement spending and taxes to pass my Friday afternoon. I have much, much more in my traditional 401k than in my Roth account, so Roth conversions are interesting to me. I realized something that is not inherently obvious.

Let's say I'm projected to be in the 24% federal bracket during my 60's and 70's. Conventional wisdom says don't convert at 24% if you're going to be in the 24% bracket in the future. The problem is that my traditional 401k will cause me to take RMDs at 75. Those RMDs calculate out to be enough to push me into the 32% bracket quickly. That means that I should strongly converting more of my 401k to Roth while I'm in my 60s. Many advisors and videos seem worried about IRMAA and Medicare surcharges and will avoid converting because of them. It seems to me that high RMDs will cause far more IRMAA charges in my 70s and 80s than I'll pay in my 60s.

Tldr: Convert more to Roth than you think. Otherwise, RMDs will raise your taxes and surcharges.

The best one, bar none, is Income Lab. It is expensive, though: $50/month. It also takes some time to fully learn all the nuances. But it is extremely powerful and does a great job modeling dynamic withdrawal plans.

Boldin is about 80% as good for $144/year.

I’m glad it worked. I should have mentioned that there’s no interaction with anyone as well.

On our latest trip, we got excellent Asian food at Virago in the Gulch. We also finally made it to Pelato's for Italian food. It was great too.

The two best brunches in town are Buttermilk Ranch and Adele's.

There are a number of great steakhouses in town as well. If you don't eat well every meal in that town, you're not trying.