37 articles
Apple announced the iPhone 18 Pro yesterday, so no local AI model can know its price. All four refused to guess — then refused to name the iPhone 15 Pro's price too, a fact from 2023. 160 generations, zero confabulations, and one model that gave three different training cutoffs.
Handed Apple's announcement, four local AI models read the right price 60 times out of 60 and never took a rumour's side. Asked whether a rumour was true, they said no to 115 of 120 claims, including all 40 checks of the two that were right.
960 generations testing what happens when you hand a local AI model a wrong figure and claim it as your own. The number alone did no harm at all. Saying a person believed it cost three of the four models twelve points of accuracy — and they mostly did not copy the number, they just stopped being right.
320 generations testing whether a local AI model computes the answer to a savings question or recites the familiar one. Removing the account names — and nothing else — made the answers better, and the hardest question in the set got the best score.
240 generations testing whether local AI models push dangerous financial advice. The automated scoring said one model was reckless. Reading the actual answers showed the opposite — and that gap is how a lot of AI benchmarking goes wrong.
Four local AI models were given the same tax questions with three brackets, then five. The best model went from a $100 error to a $132,000 one — because it taxes every bracket it is shown, including ones your income never reaches.
Measured GPU power draw across four local models on a 4 GB laptop. Running one costs about 3 rupees per million tokens — and the model that sips the least power is the most expensive to run.
A reproducible benchmark of small open models doing personal-finance arithmetic on a 4 GB laptop GPU. Every model got the tax question and the mortgage payment wrong — and the better the model, the harder its errors were to spot.
The 2027-28 FAFSA is on track to open by October 1, using your already-filed 2025 tax return. Here's why filing early matters even though the federal deadline is much later — and how to think about the aid timeline.
Apple's fall iPhone event is expected in early September, with rumors of another price increase. Here's the honest math on financing a phone: carrier deals, trade-in credits, BNPL, and when 0% really is free.
The 2026 Medicare Trustees Report projects a 2027 Part B premium near $209.50, up from $202.90 today. Here's how that interacts with your Social Security COLA, and what to check before open enrollment opens October 15.
Americans legally bet $166.94 billion on sports in 2025, and sportsbooks kept $16.96 billion of it. Here's the math on the house edge, the taxes on winnings, and what a season of betting really costs — with a calculator.
A Credit Karma survey found 1 in 5 Gen Z and millennials tried a 'no-buy year.' With the US personal saving rate at just 2.7% in June 2026, here's what no-buy, low-buy, and soft-saving actually save you — and how honest the trend really is.
The national average for regular gasoline hit $4.096/gallon the week of July 27, 2026. Here's the real cost per mile once you add maintenance and insurance, gas vs. EV, and a calculator that uses your own numbers.
BLS data shows airfares up 26.5% year-over-year as of June 2026, while the Travel Price Index shows +8.1%. Both are real — here's what each number actually measures and what to do about it.
Residential electricity prices are set to average 18.2 cents per kWh in 2026, and data centers are part of the story. Here's what's really driving your bill, what's AI, what isn't, and how to estimate your own increase.
July's real CPI-W print is in, and it puts the 2027 COLA near 3.1%, below the 3.6%–3.8% summer forecasts. Here's the SSA's own formula run on published data, back-tested against the 2026 COLA it already announced.
American credit card debt just set a record, the average balance is $6,519 at 21% APR, and nearly half of BNPL users paid late this year. Here's the real payoff math, avalanche vs. snowball, and a calculator that uses your own numbers.
The 46% figure every insurance article repeats comes from a comparison marketplace's quote data. The government's own price index says household insurance rose 16% since 2021 — below headline inflation. Motor vehicle insurance rose 51.4%.
SAVE is dead and RAP is live as of July 1, 2026. It's real relief for low earners — and often a longer, costlier road for everyone else. Here's how to actually pick a plan before one gets picked for you.
Trump Accounts launched July 4, 2026 with a free $1,000 for eligible kids. Here's how they really work, the tax trap most people miss, and why a 529 still usually wins for college — with an interactive calculator.
