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HAVE A GREAT DAY.

@Catherine Hmm! I just typed in the same thing on Copilot and got 6 very logical items to check. The did miss one thing, though - it didn't ask if the gas bill had been paid. Oh well. I'm sure it will learn.

Until an AI provider can certify the data they are using as their base source was not copyrighted, or they have a release for all of their data, using AI is stealing from copyright holders, mainly via web site scraping. AI is not a case of fair use or excerpts; it is complete and total theft of product (sans releases or public domain data). It is comparable to going to a local library, scanning all books, then reformatting what one has scanned (stolen) and selling it.

AI has the potential to be either a curse or a companion. No doubt it will get out of hand, but that's true of all technology. I've been using AI Chat in a very elementary way for some time, and in many cases it replaces Google searches when I'm trying to get insight into everything from medical questions to BOI inquiries. Elon Musk also promises that GROK is going to be even more useful - time will tell. Just today I had someone ask me for a quick over view of Deferred Comp, which I don't have much experience with. So I wrote a simple query asking for the benefits and disadvantages of enrolling in a deferred comp plan offered by an employer. I just copied & pasted the response in an email with a note that I had obtained this from AI Chat (for full disclosure), along with a couple of summary comments. I thought it was quite good and saved me a lot of typing. Here's the response: Enrolling in a deferred compensation plan (DCP) offered by your employer can have both benefits and disadvantages. Here’s a breakdown to help you understand: ### Benefits: 1. **Tax Deferral**: Contributions to a DCP are typically made before taxes are deducted, reducing your taxable income for the current year. You pay taxes on the money only when you withdraw it, usually during retirement when you might be in a lower tax bracket. 2. **Increased Savings**: DCPs allow you to save additional funds for retirement beyond what standard retirement accounts permit, thus enhancing your retirement nest egg. 3. **Employer Matching**: Some employers may offer matching contributions to your deferred compensation plan, providing you with "free money" towards your retirement savings. 4. **Investment Options**: Depending on the plan, you may have access to a range of investment options, which can allow for potential growth of your saved funds. 5. **Flexibility in Withdrawals**: Many deferred compensation plans allow some flexibility in determining when you withdraw your funds, which can help with financial planning. ### Disadvantages: 1. **Risk of Employer Default**: Since DCPs are typically unfunded promises by your employer, there is a risk that if the company faces financial difficulties or bankruptcy, you may lose some or all of your deferred compensation. 2. **Limited Access to Funds**: DCPs often have strict rules regarding when and how you can access your funds. This limitation can be a disadvantage if you encounter unexpected financial needs. 3. **Complexity**: The rules governing deferred compensation plans can be complicated, and understanding the tax implications or potential penalties for early withdrawal can be challenging. 4. **Impact on Social Security and Other Benefits**: Deferred compensation may affect your eligibility for certain benefits, such as Social Security or disability benefits, as it could be considered income when calculating your benefits. 5. **Lack of Protection**: Unlike qualified retirement accounts (like 401(k)s), DCPs may not have the same level of protection from creditors. Before enrolling in a deferred compensation plan, it is advisable to consult with a financial advisor or tax professional to assess how it fits into your overall financial strategy and retirement planning.

The tossup is moving all the existing information to a new computer. That doesn't always work the way it should. This is day 3 of the updated OS and everything is running smooth as silk. I do still have the option of restoring the old system. Plus I did a complete system backup to an external HD before the update. I only have 2 small items for IT to tweak so far. Only personal preferences.

I too don't like to update an existing computer to a new os. I have been waiting for Win12 but there is no word. I will probably get a new computer next year whether Win12 comes out or not.

The base of knowledge for AI's has been obtained by scraping the internet of everything,facts, fiction,opinions, conspiracy theories and wild assed guesses. I have read several tech articles which said that some AIs are getting close to running out source materials. There has been some discussion about creating artificial information so that AIs have more stuff to look at To some extent I think the AI explosion has been triggered by the Fear Of Missing Out.