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  Let's cut to the worried chase. Okay, after a bad run, the Dow surged yesterday. Today, futures are up: **************************** Market Summary  > E-mini Dow Jones Industrial Average Index Futures 46,813.00  USD+231.00 (0.50%)today Apr 1, 5:04   AM CDT  •  Disclaimer ***************************** But, like almost half of Americas, more and more of us Boomers are looping into doom talk about a whopper of a downturn. The common phrase: "The house of cards will come down."  Yahoo Finance reports: "A recent survey by YouGov found 42% of Americans believe the country will experience a 'total economic collapse' within the next decade ..." Pile onto that the possibility of a reduction in the monthly Social Security payment in six years.  Meanwhile Rich Dad Poor Dad has been predicting escalating rates of homelessness for us Boomers. What could come to mind are the images of Hoovervilles. Those constitute the shanties put up for housi...

  Of the 900 million ChatGPT users, 850 million of us are freeloaders, documents BusinessInsider.  The chat bot's parent OpenAI probably knows that if there's a subscription fee slapped on for the basic model (the Plus one already operates on a fee basis) we'll figure out how to go elsewhere.  So, to build revenue OpenAI has come up with the ad strategy. While we're having our prompts responded to there will be digital advertising. Overall, OpenAI has shifted from branding for innovation to sticking to the knitting in terms of financial performance. Recently it halted that amazing video development: Sora. The question is: How successful will this be?  Recall that during the Super Bowl competitor Anthropic's commercial mocked that strategy. The messaging resonated.  But the more significant variable is this: We have grown accustomed to tune out ads. That's that. Instead of paying for streaming services like Netflix (which just raised its price) I have been with f...