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23 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.
Three years of take rates for eight platforms, computed from their annual reports. Among the marketplaces that can be compared, the ones whose volume shrank are exactly the ones whose take rate rose — and almost none of it is the commission.
The fee a platform advertises and the share it actually collects are different numbers. Computed from eight companies' own annual reports, alongside the fees they publish to sellers — and the gap is between three and five times.
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.
Eight crypto whitepapers scored with the readability formulas schools use. Seven are harder than IRS Publication 17. The one exception is the document explicitly written to teach rather than to establish priority.
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.
Both cap at $72,000 in 2026. Computed from the IRS formulas, a Solo 401(k) reaches that ceiling at $252,316 of net profit and a SEP IRA at $376,478 — and the advantage is a flat $24,500 for most of the range.
Measured from BLS payrolls as a share of the October base, the 2025 season was the second weakest since 1939, behind only 2008. And warehousing seasonal hiring fell harder, not softer, so the jobs did not move.
The 1099-K threshold reverted to $20,000 and 200 transactions under the One Big Beautiful Bill Act. Here's what that really means for your Venmo, eBay, and Etsy income — and the tax you still owe.
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%.
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.
Every emerging-market piece opens with the same claim: dollar down, EM up. Measured across 248 months of Federal Reserve and fund data, the direction holds and the strength does not — and for two years it ran the other way.
