James' World 2

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You’ve done what you can to cut back your spending.

You brew coffee at home, you don’t walk into Target and you refuse to order avocado toast. (Can you sense my millennial sarcasm there?)

But no matter how cognizant you are of your spending habits, you’re still stuck with those inescapable monthly bills. You know which ones we’re talking about rent, utilities, cell phone bill, insurance, groceries…

So if you’re ready to stop paying them, follow these moves…

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By The Penny Hoarder Staff

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A favorite trope of sleep research is to divide the entire human population into two cute, feathered categories: early birds (also called larks) and night owls. Often, these studies link people’s natural sleep patterns—called their chronotype—with some waking behavior or personality trait.

It doesn’t take long to see which team more often comes out on top. (Hint: it’s the one that catches the worm.) Research says that early birds are happier, more punctual, do better in school, and share more conservative morals. Night owls are more impulsive, angry, and likely to become cyberbullies; they have shoddier diets and, most critically, are worse at kicking soccer balls.

But can the population really be categorized so neatly? Or is the research painting an incomplete and overly moralistic picture?

A study published May 24 in PLOS ONE by a group of Polish researchers takes a fresh look at the long-established link between being an early riser and being conscientious by examining a separate but potentially important variable that might underlie the link: being religious. The team found that people who woke up earlier tended to score higher on all dimensions of religiosity, leading them to conclude that being religious could help explain why early risers are more conscientious and more satisfied overall. “Morningness” might be closely aligned with godliness, in part because certain religions practice early-morning prayer—so religion could be driving the link between rising early and being conscientiousness.

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It looms. STEFANI REYNOLDS/Getty Images

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Testifying before Congress on May 16, OpenAI chief executive Sam Altman said it was time for regulators to start setting limits on powerful AI systems. “As this technology advances, we understand that people are anxious about how it could change the way we live. We are too,” Altman told a Senate committee. “If this technology goes wrong, it can go quite wrong,” he said, claiming it could do “significant harm to the world.” He agreed with lawmakers that government oversight will be critical to mitigating the risks.

A topic barely on lawmakers’ radars a year ago, governments around the globe are now fiercely debating the pros and cons of regulating or even prohibiting some uses of artificial intelligence technologies. The question business leaders should be focused on at this moment, however, is not how or even when AI will be regulated, but by whom. Whether Congress, the European Commission, China, or even U.S. states or courts take the lead will determine both the speed and trajectory of AI’s transformation of the global economy, potentially protecting some industries or limiting the ability of all companies to use the technology to interact directly with consumers.

Since the November 2022 release of OpenAI’s ChatGPT, its generative AI chatbot built on a self-improving large language model neural network (LLM), use of generative AI has exploded. According to data compiled by Statista, ChatGPT reached one million users in five days, blowing away previously warp-speed internet product introductions including Facebook, Spotify, and Netflix. Midjourney and DALL-E, LLMs that create custom illustrations based on user input, have likewise exploded in popularity, generating millions of images every day. Generative AI certainly meets the criteria for what one of us previously co-defined as a “Big Bang Disruptor”: a new technology that, from the moment of release, offers users an experience that is both better and cheaper than those with which it competes.

Such a remarkable take-up is naturally cause for excitement, and, for incumbent businesses, alarm. The potential for LLMs seems limitless, perhaps revolutionizing everything from search to content generation, customer service to education, and well, you name it. Unlike more targeted Big Bang Disruptions, ChatGPT and other LLMs are uber-disruptors, breaking longstanding rules not just in one industry, but in all of them. At the same time.

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Marcos Osorio/Stocksy

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If you watch TV, especially conservative TV, you know Mike Lindell. He’s the guy who comes on every 10 minutes or so to sell his pillows for “the best night’s sleep in the whole wide world.” He’s also the guy who has sunk tens of millions of dollars into supporting investigations and lawsuits that claim the 2020 presidential election was stolen from Donald Trump.

And I just took him for $5 million.

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MyPillow Guy

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“Dust is a problem,” announces Zerline Lim, an associate principal engineer from Dyson’s Malaysian labs, during an hour-long presentation on dust and air science. For Dyson’s team, though, it’s less of a problem and more of a standing invitation — dust, to them, is a gateway into people’s lives.

You don’t need to tell me twice — I’m the sort of person who wakes up with watery eyes and pops a Zyrtec every day — and today, Dyson is unveiling a new range of cleaning products to address that sort of thing. It’s an unsurprisingly pricey set of gadgets that does more of the same robust cleaning and air filtering that the company has become known for. But this new set of toys is being introduced to a pandemic-driven world where our concerns around dust, air pollution, and germs have stoked interest in better and more powerful cleaning solutions.

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Dyson’s Singapore HQ

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“I think there are generally three categories that are going to be relatively insulated in the foreseeable future,” says Ford. “The first would be jobs that are genuinely creative: you’re not doing formulaic work or just rearranging things, but you’re genuinely coming up with new ideas and building something new.”

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(Image Credit: Getty Images)

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