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Money Research Collective’s editorial team solely created this content. Opinions are their own, but compensation and in-depth research determine where and how companies may appear. Many featured companies advertise with us. . With AI models like ChatGPT, you can describe at length what you’re looking for — even if you don’t exactly know what that is yet. As we approach the holidays, artificial intelligence is taking center stage. Whether that’s a blessing or a curse — well, that depends on how the burgeoning technology is used. On one hand, Coca-Cola is facing fierce backlash after it used generative AI to reimagine its beloved 1995 “Holidays Are Coming” campaign. On the other, some proponents of AI say that the very same tool can reduce the stress of one of the biggest holiday to-dos: shopping for gifts. John Licato, a computer engineering associate professor and AI researcher at the , recommends using AI to help you pick the perfect gift for friends or family. “You can refine the AI’s suggestions by giving feedback, helping it become more accurate in offering thoughtful, tailored gift ideas,” Licato said in a . Recent suggests that many online shoppers are already asking AI to help them pick products. AI referrals to retail sites have increased eightfold since 2023; the software firm expects the trend to pick up even more this holiday season. In fact, a from Debt.com found that 65% of shoppers said they were willing to spend more than usual on a gift if AI gave them an ideal recommendation. By now, most folks are accustomed to using Google to do basic product research, probably by pecking in “best” followed by whatever type of product they’re searching for. In milliseconds, Google populates pages and pages of results, usually topped by several sponsored products. But AI works a little differently. And not all AI chatbots are created equally. Licato recommends using reputable ones like ChatGPT and Claude, which use advanced language-learning models that are trained with extensive amounts of data and have real-time access to the internet. Many retailers now have their own on-site AI chatbots. Take Amazon’s shopping-assistant chatbot, Rufus, for example. Rufus can help you search for products... but only ones on Amazon.com. In some cases, these retailer-run AI tools might not be as advanced as ChatGPT, or they may have different goals such as only selling you products offered on the site. When you’ve decided on which AI tool you want to use, tell it a little bit about your shopping goals and budget. According to RetailWire’s , one major perk of using a tool like ChatGPT over a regular search engine is that AI uses natural language, not just a few key words. You can describe at length what you’re looking for — even if you don’t exactly know what that is yet. You can also feed the chatbot as much information about the person you’re shopping for as you want. Basic facts like their interests, relation to you, hobbies and more can go a long way in getting tailored gift ideas (though Licato suggests using only publicly available information on the person if you have privacy concerns). After you’ve homed in on the item you want, you can get even more specific recommendations. The chatbot can also help you compare prices across retailers if it’s hooked up to live search engines. Just make sure the pricing is accurate. Licato recommends asking the chatbot to provide links directly to the site so you can double check. Once you get the perfect gift, all that’s left is deciding whether to tell the recipient that ChatGPT came up with the idea. Includes VPN & password manager 250X Faster Fraud Alerts than Competitors* Up to $5 Million in Identity Theft Insurance AI Spam Call & Message Protection 3-Bureau Credit Monitoring & Credit Lock Service Monthly Credit Score1 & Annual Credit Reports Up to $3 million identity theft coverage 1 1 Comprehensive 3-bureau monitoring system All Plans Include $1 Million Identity Theft Insurance* Real Time Monitoring of Your SSN, Accounts & Identity 3-Bureau Credit Monitoring & Monthly Credit Score1 Online and Device Security Over 40 years of experience in the field $1 million identity theft insurance & recovery 3 bureau credit monitoring Bank and credit card activity alerts VPN through mobile app Adam Hardy is Money's lead data journalist. He writes news and feature stories aimed at helping everyday people manage their finances. He joined Money full-time in 2021 but has covered personal finance and economic topics since 2018. Previously, he worked for Forbes Advisor, The Penny Hoarder and Creative Loafing.In addition to those outlets, Adam’s work has been featured in a variety of local, national and international publications, including the Asia Times, Business Insider, Las Vegas Review-Journal, Yahoo! Finance, Nasdaq and several others. Adam graduated with a bachelor’s degree from the University of South Florida, where he studied magazine journalism and sociology. As a first-generation college graduate from a low-income, single-parent household, Adam understands firsthand the financial barriers that plague low-income Americans. His reporting aims to illuminate these issues.Since joining Money, Adam has already written over 300 articles, including a cover story on financial surveillance, a profile of Director Rohit Chopra of the Consumer Financial Protection Bureau and an investigation into flexible spending accounts, which found that workers forfeit billions of dollars annually through the workplace plans. He has also led data analysis on some of Money’s marquee rankings, including Best Places to Live, Best Places to Travel and Best Hospitals. He regularly contributes data reporting for Best Colleges, Best Banks and other lists as well.Adam also holds a multimedia storytelling certificate from Poynter’s News University and a data journalism certificate from the Investigative Reporters and Editors (IRE) at the University of Missouri.In 2017, he received an English teaching certification from the University of Cambridge, which he utilized during his time in Seoul, South Korea. There, he taught students of all ages, from 5 to 65, and worked with North Korean refugees who were resettling in the area.Now, Adam lives in Saint Petersburg, Florida, with his pup Bambi. He is a card-carrying shuffleboard club member.MANCHESTER CITY chiefs are tracking little-known Sierra Leone defender Juma Bah. Etihad scouts are keeping tabs on the teenage centre-back, who plays for Spanish side Real Valladolid — and could make a move in the January window. Bah, 18, has made a big impression during his debut LaLiga season after being signed on loan from AIK Freetong back home. Newcastle are also believed to be interested in the 6ft 5in youngster, with Everton and Crystal Palace watching him too. The giant defender has appeared seven times for Valladolid this campaign. He began his youth career with AIK Freetong in 2021, before starring on loan at Sierra Leone National Premier League side Freetonians SLIFA. Read more football news FOOTBALL FREE BETS AND SIGN UP DEALS Bah joined Valladolid this summer, and was originally expected to play for their B side. However, he has since been fast-tracked into the first team and has already seen plenty of action, despite his tender years. When he made his debut against Real Sociedad in a 0-0 home draw - Bah made history. He became the first Sierra Leone-born player to play in the Spanish top tier. Most read in Football Man City could be busy when the January transfer window opens. Boss Pep Guardiola will be keen to address his club's recent slump, which saw his team go six games without a win in all competitions. They have also been linked with a move to bolster their midfield. As SunSport told you, the Premier League champions are planning a £50.3 million January swoop for Martin Zubimendi. The release clause in Zubimendi’s contract would not be a problem, although manager Guardiola was initially not keen on making any major moves in the January market. City’s injury pile-up and dismal form could signal a rethink, as Guardiola is equally reluctant to pile too much pressure on his younger players.By DEVNA BOSE One of the country’s largest health insurers reversed a change in policy Thursday after widespread outcry, saying it would not tie payments in some states to the length of time a patient went under anesthesia. Anthem Blue Cross Blue Shield said in a statement that its decision to backpedal resulted from “significant widespread misinformation” about the policy. “To be clear, it never was and never will be the policy of Anthem Blue Cross Blue Shield to not pay for medically necessary anesthesia services,” the statement said. “The proposed update to the policy was only designed to clarify the appropriateness of anesthesia consistent with well-established clinical guidelines.” Anthem Blue Cross Blue Shield would have used “physician work time values,” which is published by the Centers for Medicare and Medicaid Services, as the metric for anesthesia limits; maternity patients and patients under the age of 22 were exempt. But Dr. Jonathan Gal, economics committee chair of the American Society for Anesthesiologists, said it’s unclear how CMS derives those values. In mid-November, the American Society for Anesthesiologists called on Anthem to “reverse the proposal immediately,” saying in a news release that the policy would have taken effect in February in New York, Connecticut and Missouri. It’s not clear how many states in total would have been affected, as notices also were posted in Virginia and Colorado . Related Articles National News | The next census will gather more racial, ethnic information National News | As data centers proliferate, conflict with local communities follows National News | NASA’s stuck astronauts hit 6 months in space. Just 2 more to go National News | Imprisoned Proud Boys leader balks at answering a prosecutor’s questions about Capitol attack National News | 7.0 earthquake off Northern California prompts brief tsunami warning People across the country registered their concerns and complaints on social media, and encouraged people in affected states to call their legislators. Some people noted that the policy could prevent patients from getting overcharged. Gal said the policy change would have been unprecedented, ignored the “nuanced, unpredictable human element” of surgery and was a clear “money grab.” “It’s incomprehensible how a health insurance company could so blatantly continue to prioritize their profits over safe patient care,” he said. “If Anthem is, in fact, rescinding the policy, we’re delighted that they came to their senses.” Prior to Anthem’s announcement Thursday, Connecticut comptroller Sean Scanlon said the “concerning” policy wouldn’t affect the state after conversations with the insurance company. And New York Gov. Kathy Hochul said in an emailed statement Thursday that her office had also successfully intervened. The insurance giant’s policy change came one day after the CEO of UnitedHealthcare , another major insurance company, was shot and killed in New York City.'Interference with democracy': High Court battle over LTN removal ramps up
Irish premier Simon Harris has said Fine Gael will gain seats in the General Election despite a further fragmentation of Irish politics. Fine Gael won 35 seats in the 2020 election, but 18 of those TDs did not seek re-election in Friday’s poll. An exit poll puts the party’s support at 21%, a fraction of a percentage behind the main opposition party Sinn Fein. Mr Harris, the outgoing Taoiseach, was elected with 16,869 first preference votes, well above the quota. He celebrated with his wife Caoimhe, his parents Bart and Mary, his sister Gemma and his political team at the count centre in Greystones, Co Wicklow. Ahead of his re-election, Mr Harris told reporters he was “cautiously optimistic” about the election result and said it was “clear that my party will gain seats”. “It’s also clear that Fine Gael will top the poll in at least 10 constituencies, many more than we did the last time, that we will gain seats in constituencies where we haven’t had seats in many years, like Tipperary South and Waterford, and that we will add second seats in other constituencies as well,” he said. “I think the people of Ireland have now spoken. We now have to work out exactly what they have said, and that is going to take a little bit of time.” In one of the five consecutive broadcast media rounds he did from the Greystones count centre, he said there were a lot of areas where there were “straight shoot-outs” between Fianna Fail and Fine Gael for final seats. He described the Sinn Fein vote as “pretty significantly down”, the Fianna Fail vote as “marginally down” and the Fine Gael vote as “static” compared with its 2020 vote. He said it was “a very close, a very competitive election” and that “we haven’t seen a Sinn Fein surge or anything like it”. He said: “It was predicted by many that I would become the Taoiseach for a brief period of time, take over from Leo Varadkar, and then have to rebuild my party from the opposition benches as Sinn Fein led a government. “We don’t know what’s going to happen on government formation yet, but that is now looking less likely than it was.” He acknowledged that it was “a very difficult day” for the Green Party and paid tribute to their work in the coalition government, alongside his party and Fianna Fail. “Definitely, politics in Ireland has gotten much more fragmented,” he said. Fine Gael minister Helen McEntee said that her party’s campaign had been “positive”. “The feeling on the doors was very much that people were relatively happy with the government,” she said on RTE Radio. “It will come down to the last seats and it will come down to transfers,” she said of the final result, adding that Fianna Fail and Fine Gael were performing better than the exit poll estimated.Microchip Technology to Close Tempe Facility, Impacting 500 Employees Amid Cost Reduction EffortsLeaders of No Labels , a political party that failed in its bid to nominate a third-party presidential candidate, is taking its opponents to federal court. Unsealed documents and emails revealed Democratic operatives worked to undermine No Labels with efforts that included harassing and intimidating the founder, Nancy Jacobson, and her husband, Mark Penn, a former adviser to Bill and Hillary Clinton. Political operations groups such as Third Way and Investing in US are working to counter the legal discovery. Strategists intended to “socially stigmatize” the couple, including stunts such as hiring clowns “to hangout on their block” in the Georgetown area of Washington, D.C., according to the filings. They also reportedly posted fliers in their neighborhood attacking the couple, sent a “truck carrying musical performers” to their home at 6 a.m., and flew a banner plane over Harvard University’s graduation to attack Penn, who is chairman of the Harris Poll operated by the university. These efforts were outlined in a May 3, 2023, email sent by Melissa Byrne, a former organizer for Bernie Sanders’s presidential campaigns. She had also suggested using a mobile billboard to target the couple at the White House Correspondents’s Association dinner, according to the unsealed documents. “There is no place for MAGA hate in Georgetown,” the billboard stated over photos of President-elect Donald Trump and the No Labels leaders. Emails were sent to Dmitri Mehlhorn, a former top strategist for Investing in US, who then forwarded them to Lucy Caldwell, an anti-No Labels strategist. Mehlhorn denied having endorsed these proposals. “As a venture investor I received thousands of proposals for political work. I forward them to my advisers for initial review,” Mehlhorn said in a statement to the Washington Post about the "social stigmatization" memo. “If No Labels thinks that means I endorse those proposals, they are even dumber than I thought, which is saying something.” Days later, Caldwell shared with Mehlhorn her own proposal targeting No Labels. This led to a meeting in June at Third Way’s offices with several former U.S. senators, anti-Trump Republican activists, and other Democratic operatives. “Think of those tactics as flame retardant/super-scooper planes — that is, the last resort for when the fire is burning out of control and we have exhausted the options of our earlier phase,” Caldwell wrote. Caldwell also suggested creating a targeted ad strategy to make ballot-access efforts more difficult and using “allies connected in media/etc.” Pat Dennis, president of the American Bridge 21st Century, reportedly offered to help place stories and alleged misuse of donor funds by No Labels and also seek out operatives within No Labels to leak sensitive information to reporters. “The goal is to poison the well for No Labels with their key stakeholders and destabilize their efforts internally and in the minds of the public,” Dennis wrote in his email to Caldwell. “Spread fear, uncertainty, and doubt about their operation, and within their operation.” “These operatives had the gall to say they were fighting to protect our democracy. In reality, they undermined it at every turn with frivolous lawsuits, character assassination, and outright lies designed to prevent No Labels from exercising our constitutional right to get ballot access,” Dan Webb, a No Labels volunteer legal adviser, said in a statement. “If you are wondering why Americans are losing faith in our democracy and so many of our country’s self-anointed elites, this is Exhibit A.” In January, No Labels leaders called on the Justice Department to investigate an “unlawful conspiracy” to undermine their efforts, but the Justice Department did not respond to their requests. The emails and correspondence between anti-No Label operatives were made possible by a civil trial in Delaware when anti-No Label activists were attempting to buy a NoLabels.com domain. Purporting to be the official page for No Labels, the website included information that the party was supporting Trump. District Judge Gregory Williams issued a temporary restraining order over the trademark violation and forced the website's removal. CLICK HERE TO READ MORE FROM THE WASHINGTON EXAMINER Third Way founder Jonathan Cowan and employees Matthew Bennett and Emily Cain have all denied being involved in the creation of NoLabels.com , and they have called the subpoenas into their emails and documents a violation of their First Amendment rights. No Labels was unable to successfully find a presidential candidate as big names such as former New Jersey Gov. Chris Christie, former Georgia Lt. Gov. Geoff Duncan and Sen. Joe Manchin (I-WV) declined their offers.
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The largest intergenerational wealth transfer in US history is about to take place — though the vast majority of Americans are unlikely to inherit much money at all. About $US105 trillion ($164 trillion) is projected to be passed down from older generations over the next quarter century, according to research firm Cerulli Associates, an amount roughly equal to global gross domestic product in 2023. Rising stock markets and home prices, as well as inflation, have fattened the estates that members of the baby boom generation are expected to leave their heirs. Credit: Glenn Hunt Rising stock markets and home prices, as well as inflation, have fattened the estates that members of the baby boom generation, born between 1946 and 1964, are expected to leave their heirs. The latest inheritance projection by Cerulli is 45 per cent higher than the 25-year forecast the firm made only three years ago. US gifts and inheritances are expected to total $US2.5 trillion next year alone. “About 80 per cent of the wealth held today is going to be in motion,” Chayce Horton, the lead author of the Cerulli report, said in an interview. “The ratio of wealth expected to be changing hands in the next 25 years is significant, and much greater than what we even saw a decade ago.” Yet even as the assets of millions of ageing Americans are passed on, the share of the US population that will benefit from inherited money has remained static, a sign of how accumulating family wealth has become more concentrated among the most affluent households. At the same time, money passed down from one generation to another accounts for a growing share of the overall wealth of heirs, rising relative to income from work or investments. Inherited money represented about a quarter of the net worth of households that received it, a Bloomberg analysis of the Federal Reserve’s 2022 Survey of Consumer Finances found, up from roughly 10 per cent in the late 1990s. “We’re becoming less of an economy that promotes entrepreneurship and production and more of an economy focused on inheritance and dynasty,” said Chuck Collins, Director of the Program on Inequality and the Common Good at the Institute for Policy Studies. Collins, whose great-grandfather founded the hot dog and lunchmeat maker Oscar Mayer, gave up his inheritance when he was in his twenties. He is now a member of the Patriotic Millionaires, a nonprofit group of affluent Americans that pushes for the wealthy to pay higher tax rates. Receiving any funds from a deceased family member remains the exception in the US, not the rule. Just one in five American households have received a substantial gift, trust or inheritance in recent decades, according to Bloomberg’s analysis. Inherited wealth is expected to become increasingly concentrated among the most affluent, according to Cerulli. The firm estimates that more than half of the wealth transferred between generations through 2048 will come from households with at least $US5 million in investible assets. Only about 2 per cent of US households meet that threshold. The share of the US population that will benefit from inherited money has remained static, a sign of how accumulating family wealth has become more concentrated among the most affluent households. Credit: Bloomberg The figures lend support to an idea that has long had currency among economists but that has been difficult to confirm — that the share of overall wealth derived from inheritance is far higher than it appears. A 2017 paper argued that inherited money had accounted for more than half of total wealth in the US and Europe since the 1990s, and that “self-reported inheritance flows are implausibly low.” “Inheritance is still the most important factor in terms of wealth concentration,” said Kaushik Basu, professor of economics at Cornell University and former chief economist at the World Bank. The trillions of dollars set to be passed on in coming years could create more social mobility for younger generations, even though its greater concentration among the wealthiest Americans is likely to create more obstacles for lower-income households and exacerbate inequality. “Markets may still flourish, and overall economic growth may continue, but the polarisation between the born-poor and born-rich will become more acute,” Basu said. He added that many of the economic advantages of family wealth are conferred indirectly, through access to education and other opportunities. As more members of the massive baby boom generation die, the annual rate at which wealth is being passed on is expected to increase until the end of the decade. Millennials, born between 1981 and 1996, are expected to inherit more than $US45 trillion by 2048, including some $US3.9 trillion that year alone. Generation X, sandwiched between the baby boomers and millennials, will see their annual inheritance levels peak in 2038 at just shy of $US2 trillion, according to Cerulli. ‘Markets may still flourish, and overall economic growth may continue, but the polarisation between the born-poor and born-rich will become more acute.’ Wealth isn’t only cascading down to younger generations, it also is moving sideways. Before reaching younger heirs, inheritances are often transferred to surviving spouses and partners. Since women tend to outlive men, they are expected to receive a large share of the fortunes being passed on. “A significant amount of the wealth that is held today is believed to be controlled by men,” said Cerulli’s Horton. As those men die, “we expect that wealth to be much more equitably distributed on a gender basis.” Cerulli estimates that women will inherit nearly half of the total projected value of inheritances over the next 25 years. US tax policy has made it easier for wealthy heirs to hang on to more of the money they inherit. President-elect Donald Trump wants to extend part of his 2017 tax-cut package that doubled the estate-tax exemption from $US5.49 million to $US11.18 million. For many older Americans, money handed down from previous generations has shaped their own planning. Alan Jewett, a 75-year-old retiree in Delaware, and his wife received an inheritance of nearly $US3 million from her childless aunts in 2014, after the couple had already put both their children through college and bought a home. “Having money changes the way you look at things in the sense that it gives you and your family a feeling of security,” Jewett said. He and his wife gave part of the inheritance to their kids and set up an irrevocable trust for their three young grandchildren. Some heirs say they have used inherited money to prepare for their own health and elder-care expenses. Lee Robin Gebhardt, a 63-year-old wine seller living in Putnam County, New York, said she invested a $US150,000 retirement account that she received from her father, who died in 2020, in her long-term care. Gebhardt, who plans to work for at least another two years, has enough money put away to last her until she’s 110. “That will take some pressure off my children,” she said. Other relatively wealthy baby boomers have decided to pass on some of their wealth while they’re still able to see its effects for themselves. “I’ve seen an increasing focus on ‘giving while living,’ where people provide for their family’s needs during their lifetime,” said Jared Jones, senior advisor at Omega Wealth Management. “There’s definitely a big focus on not waiting until one passes away to help and witness the benefits of the wealth from the family.” Bloomberg The Business Briefing newsletter delivers major stories, exclusive coverage and expert opinion. Sign up to get it every weekday morning .Baten Gay to Jeeten Gay: Divided We Win, United You Lose
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