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Melissa Shea hires freelancers to take on most of the basic tasks for her fashion-focused tech startup, paying $22 per hour on average for them to develop websites, transcribe audio and write marketing copy. In January 2023, she welcomed a new member to her team: ChatGPT. At $0 an hour, the chatbot can crank out more content much faster than freelancers and has replaced three content writers she would have otherwise hired through freelancing platform Upwork.

“I’m really frankly worried that millions of people are going to be without a job by the end of this year,” says Shea, cofounder of New York-based Fashion Mingle, a networking and marketing platform for fashion professionals. “I’ve never hired a writer better than ChatGPT.”

Shea has not posted a job on Upwork since she discovered ChatGPT (though she still has five freelancers working for her). After it was released in November 2022, ChatGPT amassed more than 100 million users, sparked an AI arms race at companies like Microsoft, Google and Amazon and has given rise to a flurry of AI startups. And for small businesses looking to trim costs, the free tool can automate swaths of their operations, providing a cheaper alternative to freelance workers. Built on recent advances in generative AI, ChatGPT and its image-based sibling DALL-E 2 can carry out work that spans most of the freelancing spectrum, from writing articles and compiling research to designing graphics, coding and decrypting financial documents.

Now, freelancers who are less experienced and don’t offer specialized skills stand to lose their gigs, according to five clients Forbes interviewed. But rather than steering clear of the AI tool that could make them obsolete, more and more freelancers are relying on ChatGPT to do some if not all their work for them. Clients on job marketplaces like Upwork and Fiverr are being flooded with nearly identical project proposals written by ChatGPT. A bitter side effect: it’s making clients dubious of the authenticity of work turned in by freelancers and causing transactional disputes and mistrust in the freelancing community.

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Illustration by Angelica Alzona for Forbes

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AI is good at summarizing. You can use it to summarize PDFs and task it with breaking down YouTube videos into truncated transcripts, for example. Basically, you can defer certain content to the robots and they can give you the highlights in seconds. And now, the bots can summarize news for you too, turning full articles into bite-size abridgments.

Artifact, the TikTok of news, recently rolled out a new AI summarizer that works with any news article you come across. Here’s how it works: In the app, choose a news article that seems interesting to you. Then, tap the “Aa” button along the top menu bar and choose “Summarize.” Artifact will analyze the piece for a moment, before delivering a short summary for you to peruse.

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Screenshot: Jake Peterson

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Roughly 40 percent of American millennials have four-year college degrees, and if there’s one thing these highly educated young people have liked to do over the last 15 years, it’s move to big cities.

Researchers find they (well, we) have accounted for more than half the population increase in “close-in” urban neighborhoods in the country’s largest metro areas since 2010, and they credit our migration (and our taxes) with accelerating urban revival. We don’t have to guess as to why: Millennials like diverse, walkable environments with good public transit and bike lanes. They like the rich cultural amenities, including bars, restaurants, and concert venues. And they like the higher-paying work opportunities available.

All this might make you think millennials have moved to cities permanently. But as they get older, the number of urban children has continued to drop. Lower birth rates are part of the story, but economists say the strong correlations with population shifts strongly suggest that “out-migration” of cities explains a big portion of the loss. In other words, millennials now in their mid-30s and 40s with young kids have started decamping for suburbs to raise their families.

Some older adults nod smugly, seeing these suburban migration patterns as proof that there was never any meaningful difference between their preferences and that of millennials at all. Millennials did not start the trend of moving to cities in one’s 20s: Plenty of baby boomers and Gen X moved to urban areas in young adulthood, and then back to the suburbs to raise a family once they coupled up and needed more space.

And certainly, some millennial families really do crave the kind of lifestyles found in suburbs: the bigger houses and lawns, the schools, and safety.

But for many other young people looking to start families, the choice to stay in the city or move to the suburbs doesn’t feel much like a choice at all. There simply aren’t many family-oriented housing options in cities, let alone ones young couples could afford.

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Anyone worried about spending slightly too many hours bingeing Netflix or watching TV, you’re not alone.

British figures released in 2021 showed that adults spent a third of their waking hours watching TV and online video content at an average of five hours and forty minutes.

Now, you don’t need to throw your TV out the window and force yourself into some complicated evening routine.

What you need is a set of tools and alternative activities that you naturally gravitate towards and can rotate between — keeping your evenings fresh, flexible, and fun.

Just pick a few that spark your interest to replace (part) of your TV time. Then experiment, adjust, and add your own. With time, you’ll learn what positively fuels your energy, brainpower, and relationships, so you go to bed with a rested mind and a smiling heart.

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Photo by MART PRODUCTION from Pexels

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(Pssst, less than 2% of people do these) Read article:

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Follow Alex’s Instagram for more of his art and ideas.

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Two recent papers have shed light on dark matter within our own Milky Way and cast doubt on two popular theories: Modified Newtonian Dynamics and Superfluid Dark Matter. In both of these theories, additional forces come into play to try to explain the velocities of stars within our galaxy other than simple dark matter. And both of them predict that stars should be moving vertically with respect to the galactic plane at accelerations that we do not observe while a simple Cold Dark Matter halo can explain those measurements. Can these theories recover?

Firstly, why do we think dark matter exists at all?

There are quite a few reasons, actually. The first reason, which was discovered in the 1930s, is that galaxies don’t rotate at the right speeds if all they contain is the luminous matter we can see. Here is a picture of how we think galaxies should rotate versus how they actually rotate.

We can tell how fast stars are rotating because they are made of mostly hydrogen. Hydrogen emits light at a very particular wavelength of 21 centimeters and, if that wavelength is shifted to a smaller wavelength (blue-shifted) we attribute that shift to the star moving towards us, and if it shifted to a larger wavelength (red-shifted) we know it is moving away.

We can combine all the observations of red and blue shifts of stars to determine how fast they are moving. The problem is that we see stars in the outer rims of galaxies moving so fast they should be breaking free of the galaxy’s gravitational pull, but they don’t. Instead, galaxies rotate almost like a record on a record player, with the outer stars moving much faster than the inner ones.

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Dark matter?

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There are a lot of things wrong with human babies when they’re born, especially when we compare them to the newborns of other species. A newborn giraffe can walk within a couple hours of birth; our own human children require many months of laborious practice before they take their first step.

This extends to their eyesight, as well. Newborns can’t really see much. They don’t even have the muscles to focus their eyes, nor the knowledge of when something is “in focus”, so they can only really see things about a foot away from their faces.

(Why a foot away? Interestingly, this is about the distance between the newborn’s eyes and mom’s face, when she’s breastfeeding! One hypothesis is that babies learn what is “in focus” by studying the faces of their parent as the baby breastfeeds since it’s usually a fairly constant distance.)

Newborns are all nearsighted. More than a foot away? It’s going to be little more than a blur.

But vision improves rapidly; by the time a baby is 6–7 months old, they should be able to spot items at a pretty good distance, even able to look out a window and see objects outside. It also takes up to 4 months before babies have fully developed color vision.

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Private eyes, they’re watching you; they see your every move… Photo by Max Leveridge on Unsplash

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Starting a business can be an incredibly rewarding experience, both financially and personally. But it also takes a significant amount of dedication and hard work to get a business off the ground. If you’re willing to put in the effort, starting up a business from scratch could lead to significant opportunities. For example, after starting my business installing Christmas lights, I was eventually able to buy my family gifts after beginning with nothing.

Let’s cover some of the key steps for launching your own business and setting yourself up for success—everything from getting started on your business plan to marketing strategies. By following these steps, you can give yourself a solid chance of achieving success in your own business venture.

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getty

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There’s a lot of magical thinking surrounding retirement. The rule of thumb is to target about 80% of your current income for your retirement, and while that number is a little sketchy, it’s useful in that it highlights just how expensive retirement can be. When you’re young, you think retirement is so far away there’s no need to worry about it just yet. And as you get older, there are often plenty of ways to kid yourself that you’ll be fine even though you haven’t really been saving much money. Some folks think they’ll sell an asset like a house or a business and live off the proceeds. Others count on Social Security or assume downsizing and moving to a lower-cost area will solve all their problems.

And maybe all of that works out, but if you’re heading towards retirement age and you skipped the part about saving an enormous amount of money, the simple fact is you’re going to have to contemplate living off a relatively small income in your golden years. And you’re not alone—the average American has just $65,000 saved for retirement—and if you look at just folks who have reached retirement age, the number is just $255,200. That is…not a lot of money to live off, potentially for decades. The average Social Security payment is just $1,656.30 per month—that’s less than $20,000 a year.

Even if you can make your numbers work in terms of housing, food, and other necessities, the real retirement killer is going to be healthcare. Medicare helps, but even with it, your average out-of-pocket expense will be roughly $6,500 per year—which is almost a third of that average Social Security benefit. So if you’re staring down retirement and haven’t saved much money, are you completely out of luck? Not necessarily—but the time to make some moves is right now.

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Photo: Matej Kastelic (Shutterstock)

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