Bogleheads.org

The wiki has some background info: ChatGPT in the Bogleheads forum

The discussion which lead to development of the wiki article and subsequent (site owner) Alex Frakt's guidance is here: Bogleheads and ChatGPT

The page is now "live" in the wiki. See: ChatGPT in the Bogleheads forum

I removed some off-topic comments. As a reminder, see: General Etiquette

We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones.

...At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not acceptable.

Babushka_cat - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your second post into the original thread.

May I suggest you post your portfolio information in this thread using the Asking Portfolio Questions format? It will make you think about the "big picture" while giving us the information we need to point you in the right direction.

If you have any questions, ask them here.

I merged saycanyouc's thread into the ongoing discussion.

(Thanks to the member who reported the post and provided a link to this thread.)

This thread has run its course and is locked (derailed, topic exhausted). See: Locked Topics

Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.

This thread is now in the Personal Investments forum (portfolio help).

dfin - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them here.

Also see the wiki: Medicare

(Thanks to the member who reported the post and provided a link to this thread.)

KellyInBaconville - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them here.

(Thanks to the member who reported the post and provided a link to this thread.)

This thread has run its course and is locked (topic exhausted). See: Locked Topics

Moderators or site admins may lock a topic (set it so no more replies may be added) when a violation of posting policy has occurred. Occasionally, even if there are no overt violations of posting policy, a topic (or thread) will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value.

Are there any other comments? User:LadyGeek/ChatGPT in the Bogleheads forum

If not, I think we have a consensus to take the wiki article "live".

CrazyCatLady wrote: ↑Tue Mar 28, 2023 8:47 am IANYL, so take everything I say with a grain of salt.

Acronym decoder: IANYL - I Am Not Your Lawyer.

Welcome! Although your portfolio is heavy in crypto, please be aware that discussions of crypto as an investment is off-topic in this forum. See: Greater Fool Investing Strategies

Discussions of investment strategies based on securities or physical assets that have no underlying value or negative expected long term returns are prohibited. Examples include: cryptocurrencies; lottery tickets; tulip bulbs; Ponzi, pyramid, and multi-level marketing schemes; affinity frauds; and market manipulation schemes.

Please stay focused on asset protection.

The wiki has been updated. See: User:LadyGeek/ChatGPT in the Bogleheads forum ChatGPT is just one implementation of an AI Chatbot, so maybe the latter would be a better term. I have added AI chatbot descriptions in the introduction and Background sections. I think the conclusion of the article I found is pretty good: I agree and have added a "Summary and recommendations" section which incorporates your post. _Under “Posting Guidelines for the Forum”: -What would be included in “clearly” identifying GPT use? How clearly? -It’s important to seek sources, but what if the model’s sources don’t appear reliable? If they don’t, is it sufficient for posters to include this in a post or is it a reason to not use GPT? Good question, but the...

Good point. Perhaps there should be an explanation that there are several AI Chatbots available and they all have inaccuracies. It's a matter of finding one with the least amount of error in the area of personal finance.

However, the point is to have zero errors when you put your life's savings at risk.

A google search for "compare ai chatbots personal finance" is finding results intended for the financial services industry, e.g. helping with customer service.

I understand the long-term view, but I disagree in making the page more generic. The intent is to help readers understand why , exactly, we are concerned with ChatGPT's influence on an investor. Specifically, how ChatGPT is used in this forum. Replacing everything about ChatGPT with a more generic AI description will force the very clear and specific ChatGPT limitations to morph into something plain vanilla and generic. The article will become just like anything else I can find on the internet and lose the intent of what we want to accomplish here. As of today, most readers know the term "ChatGPT". There are many other models, but they are only known to those with the technical background in AI (and other areas, such as ML - machi...

This thread is now in the Non-US Investing forum - where the former US residents tend to hang out.

I'd also like to follow-up on my carroway seed bread. It came out a bit too "spongy". It's good, but not as stiff as some previous breads I've made. The toaster oven recipe shown in the video uses 14 oz of water, which is less than what I used for this recipe. Now that I'm doing everything by weight, I know how to control the hydration. I'll take it down a bit for my next batch.

Other breads I've made in the toaster oven using the same approach:

- Rosemary
- Sesame seed (somewhat plain taste)
- Garlic powder
- Chia seed
- Flax meal

LadyGeek wrote: ↑Sat Mar 25, 2023 9:26 pm Heads up: The moderators are now seeing active member posts which are using ChatGPT to provide investment advice. Some of those posts contain incorrect information.

This is a financial forum. Incorrect information will put your life's savings at risk. Our first priority is to ensure the information is accurate.

If a member is using AI to generate a post and does not disclose that fact, the moderators will take action.

We're working with the site owners on this. Until a path forward is found, we'll do what we can to mitigate the situation.

The site owner has posted guidance here: Posting AI Generated Materials (e.g. ChatGPT) - allowed, but must be sourced

This thread is now in the Personal Investments forum (portfolio help).

I have created a draft page in the wiki. See: User:LadyGeek/ChatGPT in the Bogleheads forum The intent is to provide a concise and focused discussion on the use of ChatGPT in the forum. The intended audience is for new investors not familiar with the technical details of AI. For credibility, I'm using references directly from the ChatGPT site, OpenAI. If the developer says it, there is no question of interpretation. The "Limitations" section is clear and it supports many of the claims discussed in the forum. As for the examples, remember that we're not writing a dissertation thesis. I chose one or two representative examples for several personal finance topics. More than that will make the article unwieldy and difficult to follow ...

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT

- It must be personal. In other words, you must be asking about your own situation. You can also ask on behalf of someone specific, such as a family member.

- It must be actionable. You must be able to do something specific with the replies that will make a difference in your situation.

If you have a specific question, please ask directly and provide sufficient information for members to supply appropriate advice.

This thread is now in the Personal Finance (Not Investing) forum (Social Security). I also clarified the thread title to help with the acronym.

This thread is now in the Personal Investments forum (portfolio help).

In my opinion for larger weights, being a few grams off is fine :). 80-90% hydration is quite high for most bread recipes! What kind of bread does the carroway seed recipe make? Thanks! I got the hydration percentage from a google search. Water to Flour Ratios of Various Recipes - How to Make the Best No-Touch No-Knead Bread I haven't used anything from that site, but it was worth a few minutes looking it over. All of my no-knead bread recipes are intended as sandwich and toast bread. It's why I use a Pullman bread pan - to get the square shape I'm looking for. All of my breads use King Arthur's Bread flour. What I did today- 540 g bread flour 428 g water (80% hydration) 7 g kosher salt 7 g active dry yeast (1 packet) 1+ (heaping) tablespo...

... as I purchased Bakers Math Kitchen Scale - KD8000 by My Weight .* ... * Disclaimer - Bogleheads.org Amazon referral tag added. Double-checking here ... now that Amazon Smile is gone, will adding __ ?tag=bogleheads.org-20 __ to the end of any Amazon URL direct funds to Bogleheads? I liked using Smile, and this would be a cool alternative. Thanks. Yes. To be very clear, this is the Amazon.com referral which goes directly to the site owners of bogleheads.org. It's the same as the referral code embedded in the forum header's amazon Amazon link. Now that I have a serious scale, I'm converting all of my baking to measurement by weight. It makes much more sense to me now. I just calculated the hydration percentage of my most recent no-knead b...

There is some confusion on the link formatting. The full article title is: Hackers are stealing Gmail messages — delete this extension right now | Tom's Guide

The extension is named ‘AF’ and unlike normal extensions, it can’t be found in Chrome’s More tools section under extensions. Instead, you need to manually type “chrome(or edge/brave)://extensions” into your browser’s address bar to find it.

Thanks. This is a new area for the moderators. While we figure things out, please report posts using the exclamation (report posts) button in the top-right corner of the post. Our main intent is to protect investors from financial harm. We'll look at the post and determine a course of action from there. As stated earlier, incorrect information is also posted by us humans. However, those errors are resolved by interactive discussions focused on the topic at hand. References are given and everyone learns from the experience. You can't do that with a general AI response that utilizes old data to generate answers based on statistics. Incorrect information isn't just found in investments, but personal finance as well. In addition to the taxation...

LadyGeek wrote: ↑Sun Mar 19, 2023 12:09 pm

Kagord wrote: ↑Sun Mar 19, 2023 8:58 am If you want a movie that actually requires at least 2 of the 3 traits you list to discuss and attempt (I don't say this lightly) to comprehend what you just watched, I recommend Primer (2004).

Thanks! A sci-fi movie about engineers? Count me in. It's showing as a $3.99 rental on Amazon Prime. I'll probably watch it next weekend. Ratings on Rotten Tomatoes and IMDB look OK. It's also mentioned in this thread.

I watched Primer. Yes, it did require some thought to watch. However, it got a bit boring. Would I recommend it? Probably not.

Before this discussion goes further into tithing perspectives of different religions, please remember that religious discussions (and quotes of religious texts) are off-topic. Please stay focused on the financial aspects.

StrangePenguin wrote: ↑Sat Mar 25, 2023 7:18 pm Wow, this is a good catch and also the flagrant-but-convincing-sounding error is pretty amusing.

It's not amusing where your personal finances are at risk. See my post here: Re: Bogleheads and ChatGPT (and the subsequent posts)

...Any of us who are even slightly involved with ChatGPT should continue to help others understand its very serious limitations in the current incarnation(s). Whenever we have a concept that needs repeating across multiple threads, the best approach is to write a wiki page. In that manner, members can post a link to the wiki page and discuss the idea further in the thread. I think it's time to write a wiki page. I have a few ideas and will throw a draft page together when I get a chance. In the mean time, members are welcome to supply content here. Introductory content would be helpful. Please cite your sources, which can include forum posts showing where ChatGPT got it wrong. We also have content from a Bogleheads chapter meeting. See: Vi...

(In reference to my signature)

Heads up: The moderators are now seeing active member posts which are using ChatGPT to provide investment advice. Some of those posts contain incorrect information.

This is a financial forum. Incorrect information will put your life's savings at risk. Our first priority is to ensure the information is accurate.

If a member is using AI to generate a post and does not disclose that fact, the moderators will take action.

We're working with the site owners on this. Until a path forward is found, we'll do what we can to mitigate the situation.

Based on your description, it seems like you might only owe $42, not $420. If you paid your state unemployment taxes on time, your FUTA tax rate should be 0.6% (not 6%) on the first $7,000 of income for each employee. So, $7,000 x 0.006 = $42 appears to be the correct amount. There is no harm in contacting the IRS to discuss the issue. In fact, it's better to clarify any misunderstandings and make sure your tax payments are accurate. Keep your documentation handy, as they may ask for specific details or proof of your state unemployment tax payments. If there is indeed an error, the IRS should be able to help you correct it and potentially refund the excess payment you made. It's always better to address tax issues proactively rather than l...

My next bread experiment will be the recipe mentioned in that blog post - Classic Sandwich Bread Recipe | King Arthur Baking . This recipe uses all-purpose flour. Read the comments if you want to use bread flour. Experiment complete, but I'm not happy with the results. The dough did not rise all that much, so I got a loaf that's about half the height it should be. That makes it more dense, but it didn't change the taste. It is indeed a very good quality white sandwich bread - the kind you remember growing up. However, it's the bland cardboard taste that lead me to not eating white bread. I go for the heartier, more flavorful breads - those with "character". Rather than figure out what I did wrong (combine all the ingredients inst...

JAZZISCOOL wrote: ↑Sat Mar 25, 2023 7:41 pm It's Saturday night so I'm listening to the Philly Blues Show on WXPN with Jonny Meister

https://xpn.org/program/the-blues-show/

I really enjoyed Taj Mahal's take on "Caldonia".

Same here. He's really killing it tonight. Lots of good stuff. The playlist is here: WXPN - Playlists

Like last week, I heard another song with funny lyrics. "My Dog Is Better Than You", by Big George Harp.

I'm not a tax professional, but I can try to help you understand the general concept of allocating capital loss carryovers between spouses when filing jointly. When a married couple files taxes jointly (MFJ), they are treated as a single tax entity. This means that both spouse's capital gains and losses are combined, and the $3,000 limit on capital losses that can be used to offset other income applies to the joint return, not to each spouse individually. In the example you provided, Spouse A has $60K of loss carryovers, and Spouse B has $40K of loss carryovers. When filing jointly, you would combine these amounts for a total of $100K in loss carryovers. The couple can utilize $3,000 of the combined capital losses to offset other income. T...

Sure, I'll do my best to explain these terms in a simple way! Dependent Care FSA (Flexible Spending Account): Imagine you have a special piggy bank that you can use to save money for taking care of your baby. The money you put in this piggy bank is taken from your salary before taxes are deducted, so you don't have to pay taxes on this money. You can use this money to pay for things like daycare or babysitters while you work or look for work. But remember, you can only save a limited amount of money in this piggy bank each year, and if you don't use it all, you might lose some of it. Child and Dependent Care Tax Credit: Think of this as a coupon that you can use to pay less in taxes. When you pay for someone to take care of your baby while...

While many large US-based companies do have a significant international revenue share, it's important to consider the benefits of diversification when constructing your portfolio. Simply investing in US-based companies with high international revenue may not provide the same diversification as holding an international fund. Here are some reasons why investing in an international fund can still be beneficial: Diversification: International funds provide exposure to companies in various countries, sectors, and currencies. This can help reduce the risk of your portfolio being overly concentrated in one market (in this case, the US market). Different economic cycles: Different countries can experience economic cycles at different times, and in...

I merged FredBloggs's thread into the ongoing discussion.

(Thanks to the member who reported the post and provided a link to this thread.)

This thread has run its course and is locked (relationship issue). See: Acceptable Topics and Subforum Guidelines

This is an investing and personal finance forum. We also maintain a subforum that allow our members to discuss consumer goods and services and recreational activities. Anything else is considered "Off Topic" and is not acceptable on this forum.

I removed an off-topic comment. As a reminder, see: General Etiquette

At all times we must conduct ourselves in a respectful manner to other posters. Attacks on individuals, insults, name calling, trolling, baiting or other attempts to sow dissension are not acceptable.

I also clarified the thread title.

tuningfork wrote: ↑Fri Mar 24, 2023 5:59 pm Let me tell you a personal anecdote about that!

You make a good point, thanks.

tuningfork wrote: ↑Fri Mar 24, 2023 5:59 pm I may end up using a Noctua air cooler instead of the AIO, despite AMD recommending 280mm AIO for cooling. I've seen articles testing the Ryzen 7000X series with air coolers. Still more things for me to investigate. Thanks for the suggestions!

My next PC is likely to be AIO cooling. Why? Aside from the technical reasons, I've never done that before and it looked interesting. It's why I build my own - for the fun and challenge.

curo - In order to provide appropriate advice, it's best to keep all the information in one spot. I merged your update back into the original thread. If you have any questions, ask them here.

(Thanks to the member who reported the post and provided a link to this thread.)

How often do you move your PC around? It sounds like you are compromising things for about 4 kg (difference between Torrent full size and compact). Is it really worth the extra weight for what you'd have to give up?

Another consideration is that anything designed for maximum cooling will also maximize the fan noise. If your current case runs quiet now, how much additional fan noise can you tolerate?

Remember that you'll be next to this PC for hours on-end. Your brain will eventually ignore the noise, but it will build on you. Your mind will have a much easier time to focus on the task-at-hand without distracting noise.

This thread is now in the Investing - Theory, News & General forum (general discussion).

saseptim is asking this question in a new thread. See: Schedule B for form 1116

Responses should go in the new thread.

I merged tommy85's thread into a previous discussion. This thread is now unlocked to continue the discussion.

As noted earlier, please stay focused on the financial (donation / storage) aspects. Ethical / moral debates, as well as medical discussions, are off-topic.

This thread has run its course and is locked (not actionable, other people). See: Non-actionable or Trolling Topics If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include: US or world economic, political, tax, health care and climate policies conspiracy theories of any type discussions of the crimes, shortcomings or stupidity of other people , whether they be political figures, celebrities, CEOs, Fed chairmen, subprime mortgage borrowers, lottery winners, federal "bailout" recipients, poor people, rich people, etc. Of course, you are welcome to talk about the stupid financial things you have done. This thread is now in the Investing - Theory, News & Genera...