8 of the Best Ways AI Can Save You Money

 

The writer interviewing Bard, Bing and ChatGPT, as envisioned by Bing using DALL-E.

Editor’s Note: A chatbot did not write this article, but we did interview the three most popular free ones as well as real humans. This was originally written by us for MoneyTalksNews.com here.

If it seems like just about everyone on the artificial intelligence frontier is gunning for your money, it’s because most are.

Retailers and manufacturers are incorporating AI technology such as OpenAI’s ChatGPT and IBM’s Watson into their apps to provide personalized advice and recommendations. The easier it is to shop, the easier it is to spend.

But you can tame the virtual Wild West with AI-powered tools yourself. The new Bing Chat certainly can save you time and money, according to Tia Secasiu, Microsoft product marketing manager for global search and AI. “Bing is now the default search experience in ChatGPT,” she told Money Talks News.

Bing Chat is free when you enter through Microsoft’s Edge browser, where it’s built in, or on your phone’s Bing app. Sign in with a free Microsoft account or your Office 365 subscription. Bing is a plug-in now for ChatGPT premium users, but will soon be available to ChatGPT’s free users too, Secasiu said.

Other AI apps and chatbots like Google’s Bard can help you spend wisely, too. Following are some top ways to make AI work for you.

Shopping: Do it promptly

When it comes to prompting a chatbot for help, it’s not just what you say but how you say it.

“Tell me what you want, what you really really want,” Bing Chat, quoting the Spice Girls song “Wannabe,” told Money Talks News when prompted to talk about prompts.

For example, “What are the best deals on Levi’s jeans right now?” will not work on ChatGPT (free) because it doesn’t have its own search engine yet, and it doesn’t know anything more recent than September 2021. Bing Chat and Bard will bring up offers and links to a variety of online stores such as Amazon, Macy’s, Walmart and more.

You can also specify styles and sizes, or ask for comparisons of two or more items with a prompt like, “Compare the three most popular chainsaws for home use.”

Bard, when prompted, presented a table showing the Stihl MS 180, Husqvarna 450 and Rancher Echo CS-400 in a table showing specs and price side by side. Bing Chat showed comparisons of Stihl MS170, Makita XCU03PT1 and Oregon CS1500, and it offered links to online sellers.

You can ask Bard how to track the price of a specific item you want and alert you when it goes on sale. If you need grocery deals, Bard and Bing can look up specific items in your area, but looking at your favorite grocers’ apps might be more effective, they both say.

Microsoft just introduced Buying Guides for shoppers using its Edge browser and Bing. They include summaries of customer reviews, product suggestions and comparison tables showing multiple items’ details side by side. It also has a Price Match feature that offers assistance contacting retailers if an item’s price falls after you purchase it.

You can get complicated with your prompts, and also converse with the chatbots about more details they need you to ask to fetch the right information.

“I’ll be there for you, ’cause you’re there for me too,” says Bard, quoting the theme song from the TV show “Friends.”

Graphic design

You don’t have to be a graphic designer to create professional-looking posters, slideshows, party invitations, event flyers, resumes, social media posts and more with free AI-powered tools.

Canva, launched in 2013, can generate pictures from text and will even generate a video of a talking head reading your text. If you’ve got kids in school, it has thousands of student-oriented templates for creating study projects, schedules, essay outlines, flash cards and more. Canva is free and offers a premium version at $119.99 annually with unlimited access to 100 million-plus stock photos, videos, audio and more.

Bing Chat, which uses DALL-E, can generate pictures in many styles such as cartoon, photorealistic or oil painting.

You can also check out these apps with free and premium pricing:

• VistaCreate
• Stencil
• Snappa
• Adobe Express
• Microsoft’s Designer

Virtual try-on

Tools such as Sephora’s Virtual Artist, Estee Lauder’s iMatch and Ulta’s Glamlab use AI to let you try on makeup virtually. Now you can conduct an online fashion show.

Google says its virtual try-on for apparel uses generative AI to show you clothes on real models in a wide variety of shapes, skin tones, hair styles, ethnicities and sizes XXS to 4XL. You can change models and viewing angles, as well as rotate your model to get a feel for the item. Google also lets you change the color, style and pattern and search for the item in different stores. It’s handy if you seek a cheaper version.

The try-on tool launched with only women’s tops, but men’s tops will follow soon, Google says, and eventually it will include more clothing.

Meal planning

Developers have cooked up a wide variety of meal-planning apps and websites that incorporate AI. They can take into account your budget, cooking skills, health and nutrition needs, personal tastes, special diets, prep times and more.

You can get started by asking your favorite chatbot to prepare a meal plan for you with as simple a prompt as “Please give me a weekly meal plan that is easy, healthy and budget-friendly. And can you suggest where to find the ingredients locally that fit the plan?” Answers can include dishes such as Vegetarian Spaghetti Squash Lasagna or Chicken Stir-Fry With Brown Rice, with links to recipes.

Want to know what side dishes go with lamb chops, good sauces for grilling chicken, or what fish you can sub for salmon? Try Ask InstaCart. The online grocery delivery service, which already has a ChatGPT plug-in, is rolling out the feature blending its own AI and ChatGPT-capabilities. It anticipates your preferences and reminds you of what you need based on your shopping history.

Others to try:

• Mealime creates personalized recipe menu and grocery list based on your dietary preferences; it’s free with a $2.99 premium version.
• Paprika offers recipe and grocery-managing tools for one-time fees, not a subscription.
• The free Anylist app helps you create sharable shopping lists, collect and organize your recipes and make notes on prices and coupons.
• Foodcombo.com will send you recipes based on what you tell it is in your fridge and pantry.

Some apps can even integrate with your kitchen. With certain smart Whirlpool appliances, you can send pictures of what’s in your fridge to the Yummly meal-prep app and get recipes based on what you already have. The app can also send cooking instructions directly to a smart oven.

Samsung smart appliances work with the Whisk cooking app and its Family Hub, which can even order groceries for you when its in-fridge camera sees you’re low on items.

Fitness training

You can give a chatbot a workout by asking it to create a fitness program for you. Prompt it with your age, gender and goals such as weight loss, muscle strength or cardiovascular health.

However, AI software already powers plenty of fitness apps to create personalized workouts, says Barbi Walker-Walsh, 57, a flight attendant, journalist and gym enthusiast living in Tempe, Arizona.

“I’ve been using FitnessAI for years. The app uses artificial intelligence to create workouts based on input from users,” Walker-Walsh told Money Talks News. “I let it tailor workouts for me rather than piecing one together a la carte. Using FitnessAI has cut down on wasted time and frustration at the gym.”

Among other AI-driven fitness apps are:

• Fitbod
• Aaptiv
• Freeletics

Subscriptions typically run around $80 to $130 a year depending on the app. That is a fraction of the average range of $250 to $400 a month for two one-hour sessions a week with a human personal trainer.

Travel planning

Travelers are experimenting with chatbots to create itineraries and find cheap transportation.

The Points Guy travel website’s Jordan Waller called his use of ChatGPT to plan a trip to Lisbon a mixed bag. However, digital-nomad coach and avid traveler Madison Rolley took to TikTok to say the chatbot “spit out gold” for developing a two-week European itinerary for around $1,000 a person.

Similar to Google Flights and Bing Flights, you can ask Bard or Bing Chat to find cheap flights for you and they will return options and links for bookings.

Expedia, which has a ChatGPT plug-in, recently introduced the chatbot to its own app so members can now can get recommendations on where to go, where to stay, how to get around, and what to see and do. Booking.com also is adding ChatGPT to its AI-powered app.

Hopper searches for the lowest prices and and most flexible options on flights, hotels and rental cars. It predicts future travel prices and notifies you when it’s the best time to book your travel.

Among other AI-powered travel-planning sites and apps to inspire your trips are:

• Roam Around
• iPlan
• Vacay

At work

You might be able to use ChatGPT to make life easier at work, but should you?

Jodie Cook, founder of Coachvox.ai, says in a Forbes article that she trained ChatGPT to answer emails in her voice. Others use it to edit their work, summarize reports, analyze data, write reports, brainstorm fresh ideas or substitute it for a traditional Google search.

For example, to understand topics better, start a prompt with “Explain [this] to me as if I’m a beginner” for instructions, or ask the chatbot to create a marketing campaign and tell it your product and target audience.

Your boss might wonder what you’re doing with your time, too.

While ChatGPT can introduce efficiencies in workplace processes, it also presents legal risks for employers, says Karla Grossenbacher, a lawyer specializing in workplace policies. She and others cite potential issues with data leaks, accuracy and bias.

Companies banning or restricting ChatGPT and other bots at work include Samsung, Amazon, Apple and major banks.

Lower your bills

If you need help negotiating rent, credit card interest rates or car insurance premiums, the personal money-management site Cleo is ready to lend AI aid for free.

Its new ChatGPT-powered Haggle It feature will ask and help you answer why you seek lower rates. You choose how serious a tone — from chilled surfer to professional lawyer — you want to take. It will whip up a letter you can send to get negotiations started.

For example, you can threaten your long-time credit card company that you will transfer your balance to a bank card offering lower rates. It suggested in a recent test telling your bank, “While I would prefer to remain a customer of your bank, I cannot ignore the potential savings that this option presents.”

Cleo claims 1 in 3 respondents to a survey of 1,000 millennial and Gen Z Americans successfully negotiated lower rents and car insurance premiums; 1 in 5 got credit card rates or fees lowered.

 

Update: Math for journalists

Math for journalists

Update: It takes 459 subscribers at a typical $10 a month to support one reporter earning national average of $55,000 a year in salary plus benefits. (Nice work if you can get it.)

Here are comparisons of revenue needed to pay for one reporter or photographer at a local print, digital or broadcast news outlet:

• 459 subscribers paying $10 a month
• 19 full-page newspaper ads @ $3,000.
• 55 thirty-second spots on local TV news @ $1,000.
• 36,667 affiliate link commissions of typical 3% on Amazon orders if they average $50.
• 2.8 million views of online ad @ $20 cpm.

The Bureau of Labor Statistics estimates annual reporter salary of $46,270; we estimated benefits at around 20%. Advertising costs vary by market size, but these appear to be typical of newspapers and TV stations in small to medium size markets.

7 money terms to know so you don't die broke

Knowledge is power, so think about how much better off you could be if you learn about your money.

"Financial education is key to unlocking the foundations of economic opportunity and powering a strong and resilient economy," says the U.S. Financial Literacy and Education Commission in a 2020 report noting people facing financial difficulties caused by the COVID-19 pandemic. Helping you access and understand financial resources will help you achieve greater financial recovery and resilience, it says.

However, our financial literacy rate is falling, not rising, the commission says. The average correct score on a six-question quiz about basic money decisions was merely three.

Most of us think we're financial geniuses, but we're not, says Emily Garbinsky, assistant professor of marketing at Notre Dame's Mendoza College of Business. "People generally hold positive illusions of being financially responsible because this enables them to feel good about themselves," she says, explaining her recent study about trying to change attitudes to help people save more money.

Decisions you make affect you in some way financially now and in the future. These seven terms are crucial not only for you to survive your current money situation but also to help you know how to make your money last at least as long as you do.

We'll start with where you are now.

Net worth

It's tough to feel positive about money if your net worth is negative. Your net worth is all of your assets minus all of your liabilities, or the value of everything you own after subtracting what you owe.

Computing your net worth gives you a snapshot of where you stand financially.

Tracking how your net worth changes over time will show you whether you're heading in the right direction financially -- and how your money habits can raise or lower it. You'll want to see your net worth generally rise as you get older.

To compute your net worth:

1. Add up the value of your major assets: for example, your home, car, and all the money in your savings, checking and retirement accounts, and maybe the value of some big-ticket items such as jewelry, furniture and a 75-inch 4k TV.
2. Add up the value of your debts: for example, your mortgage principal, car loans, student loans and credit card balances.
3. Subtract No. 2 from No. 1.

While more than 1 in 10 U.S. households had a negative net worth as of 2017, according to a 2020 Census Bureau report, the median household net worth was $104,000 in 2017 (meaning half of households had a higher net worth and half had a lower net worth).

Compound interest

Money may not grow on trees, but it can grow by what's often called the magic of compound interest. Alas, so can debt.

For savings, compounding speeds up your earnings because, as your account balance grows, each new interest payment is based on a larger amount.

Say you open a $5,000 savings account paying 2% interest annually and don't touch it. After one year, you'd earn about $100 in interest and your balance would be around $5,100. But after five years, do you think you'd have more or less than $5,500?

The answer is more! That's because each year you're earning interest on the interest already paid to you as well as on your original balance. That's compounding! Leave that $5,000 for 20 years and the snowballing effect of compounding grows the account to more than $7,400.

Calculate compound interest with this calculator from the U.S. Securities and Exchange Commission.

Compounding works against you when you borrow money. That's why if you make a minimum credit card payment of 2% a month on a $5,000 credit card balance with a 20% interest rate, it would take you nearly 44 years to pay off the debt and cost you more than $20,000 in interest alone, according to  Debt.com's credit card payoff calculator.

Annual percentage rate (APR)

An APR, which stands for "annual percentage rate," is the annual cost you pay to use someone else's money to buy something.

It is often confused with "interest rate." That's because credit card interest rates that you see every month on your statements generally are stated as annual percentage rates. However, the APR on other types of debt, such as loans, reflects interest as well as fees and other charges.

A mortgage APR, for instance, includes the interest rate as well as costs like mortgage broker fees and discount points. Your car loan might have an origination fee included.

So, an APR is often higher than an interest rate. The federal Truth in Lending Act requires lenders to disclose the APR, among other figures, in writing when offering a loan.)

The money you pay for borrowing money is money you won't have around to enjoy later. The faster you pay off your credit card balances the more you'll save on interest payments. When you leave a credit card balance at the end of the month, you may start owing interest on any new purchase as soon as you say, "Charge it!", rather than owing interest only on your month-end balance.

Credit score

It pays to have a high credit score. Your credit score is a report card on how well you do repaying money you borrow -- your creditworthiness -- for home and car loans and using your credit cards.

A score differs from a credit report, which is a detailed record of your credit history. However, credit scores are based on information from your credit history.

Lenders look at your credit scores to decide if they should lend you money or extend credit, and at what interest rate. Generally, the higher your score, the more you can borrow (if you must) for, say, a home or car loan, and the lower the APR (see above) will be. This easily can save you -- or cost you -- tens of thousands of dollars over the life of a loan.

For example, a 30-year, $500,000 mortgage with a fixed rate of 3% would cost you about $259,000 in interest over 30 years, a FreddieMac mortgage calculator shows. If the rate were 4%, you would pay about $359,000 in interest -- $100,000 more.

There are many types of credit scores, but the most widely used are FICO scores, which are created by Fair Isaac Corp., aka FICO.

FICO says it scores you based on:

• Your on-time payment history (comprises 35% of your score)
• The amounts you owe, especially as a percentage of how much credit you have available (30%)
• The length of your credit history (15%)
• How much new credit you've sought recently (10%)
• Your mix of credit cards, mortgage loans, installment loans and other debt (10%)

FICO scores mainly range from 300 to a perfect 850. So, a higher means you'll have more of your own money left after paying interest on what you borrow.

Inflation

You know $20 doesn't buy what it used to. As you get older, it will buy even less. That's inflation, eroding your purchasing power over time.

If you're working and seeing your wages go up, a little inflation won't seem like a big deal and may even be good for the economy overall. But if you stop working, or you're setting aside money that will last through a hopefully sweet retirement, inflation can sour your plans.

What $20 would buy in 1981 cost nearly $60 in December 2020, a Bureau of Labor Statistics calculator shows. In another 20 years, thanks to the same compounding mentioned above, with inflation even held at just 2% a year, what you can now buy for $60 will cost you close to $90 in 2041, another calculator shows.

To make sure your money lasts despite inflation, investigate low-risk investments such as insured high-yield savings accounts, CD's or Treasury securities or higher-risk aggressive investments such as index funds (see below) or stocks. Or you could also plan a lower-cost lifestyle.

Expense Ratio

It costs money to make money for you in a mutual fund.

A mutual fund is when you pool your money with other investors so fund managers can buy and sell mainly stocks or bonds for you. The cost of operating the fund is reflected in its expense ratio. Expenses can include management fees, advertising costs and even assembling and printing the fund's prospectus, the pamphlet that explains the fund's investment objectives, risks and, yes, those pesky fees.

The fees look like a tiny percentage of a fund's value. And you may not realize your paying them, as you don't write a check to cover them. They're taken from the fund. When it comes to fees, little things mean a lot, especially over time.

The Securities and Exchange Commission's Investor.gov website provides a great example: If you invest $10,000 in a fund with a 10% annual return and an expense ratio of 1.5%, after 20 years you would have roughly $49,725; another fund with a 10% annual return but an expense ratio of only 0.5% after 20 years would get you $60,858.

Compare the costs of owning mutual funds, especially when choosing 401(k) or IRA investments, to make sure fees don't take a big bite out of gains you're counting on to live on.

Index funds

An index fund merely mirrors the movement of a large basket of stocks reflecting the overall performance of the stock market. For example, the best-known S&P 500 index funds invest in the the 500 largest U.S. companies. Want a broader basket? A fund following the Russell 3000 Index will include stocks representing 98% of U.S. companies.

Because index funds don't need stock pickers, they need little management and take far fewer fees than funds whose managers try to beat the market.

The expense ratio of the Vanguard Russell 1000 Index fund, for example, was recently listed as 0.07%. Managed funds often range up to 2%.

Very few managed funds beat index funds like the S&P 500 over time, say analysts and even billionaire tycoon Warren Buffet. The S&P 500 averages about a 10% a year gain. So even if a managed fund beats the market by a percentage point or two, its fees may eat up the higher returns, meaning less money for you.

Author Philip Roth inspired newspaper headline

When Philip Roth, the novelist who wrote about Jewish life and male sexual identity, died May 22, 2018, at age 85, we recalled a headline he inspired many years earlier.

Stockton, California, residents with homes along a major waterway said they were annoyed by loud sounds emanating from increased cargo ship dock activity nearby. They even sued.

The December 1, 2000, headline:

By the way, a judge dismissed the suit in September 2002.

Math for journalists

Here's what it takes to pay for a typical news reporter's salary of $40,000 a year plus benefits ($50,000 total, figuring benefits packages including health insurance are 25 percent of salary).

➤417 subscribers each paying $10 a month.*

Or
➤20 full-page newspaper ads @ $2,500.*

Or
➤50 30-second spots on local TV news @ $1,000.*

Or
➤2.5 million views of online ads @ $20 cpm.*

News organizations relying on people to pay for news are going to need bigger boatloads of subscribers.

*Prices vary by market/publication size/other factors but these are typical of small and midsize operations.

For example, a full-page, midweek black-and-white newspaper ad at open rate (at time of this post):

• USA Today: $125,600
• WSJ: $277,200
• Milwaukee J-S: $23,688
• Bozeman Daily Chronicle: $2,587 

The cartoon controversy that got Yahoo banned in Massachusetts

Furious Massachusetts legislators once got a Yahoo banned in the Bay State because they were offended by a religious cartoon it published.

In print.

We're not talking about the Yahoo! we know today that was founded in 1994 to guide computer users through the World Wide Web, which began in 1990.

The printed Yahoo magazine guided readers to jokes, cartoons and humor about what was funny in the lives of college students at the University of Massachusetts, back when you didn't have to designate Amherst.

The magazine and its controversy is being recalled this summer at UMass' W.E.B. Du Bois Library Learning Commons in a display of student publications through the years. (Details below.)

Yahoo was first published in 1954, before, you could argue, the Internet was launched. Students created long articles, short jokes ("I think Jim and Sally were the cutest couple on the floor last night." "Oh, did you go to a dance?" "No, to a fraternity party.") and cartoons lampooning sex, beatniks, later hippies, The Draft, ROTC, Greeks and, of course, campus administrators.

Yahoo editors wrote of the magazine: "The general atmosphere it created was one of nausea occasionally punctuated with a burst of genuine satiric humor."

O tempora! O mores!

By the mid-60s, the times, as singer Bob Dylan attested then, were a-changin' and state leaders were losing traditions and control over society. In Spring 1966, a woman first ran the Boston Marathon, the Supreme Court overturned the Commonwealth's ban on English lit porn "Fanny Hill," and, worst of all horrors, Yahoo printed this unsigned four-panel cartoon:

The cartoon that offended Catholics proved too much for the Puritan state.

Complaints mounted. Six weeks after Yahoo published the cartoon, according to news accounts of the time, fury boiled over. According to news accounts of what happened May 12, 1966:

In Boston:

• Gov. John A. Volpe ordered an investigation.
• Sen. Kevin B. Harrington, D-Salem, showed the magazine to his colleagues, who voted 34-3 after a brief debate to create a five-member committee to investigate Yahoo and all UMass student publications. "I will not stand for an attack on my religion," he said. "Whoever is responsible for this magazine is going to go. There are going to be hard days ahead for the University of Massachusetts, and I predict that heads will roll."
• The 6-foot-7 Harrington drew himself up in front of University President John W. Lederle at a Capitol hearing room where Lederle was testifying before a Senate committee about the school's $34.5 million budget. Harrington threw the offending Yahoo on the table and demanded Lederle explain why state funds were being used to produce a magazine offending state Catholics. Lederle told Harrington he agreed the cartoon was in bad taste and that a review was already underway.

Back in Amherst:

• A university spokesman issued a statement assuring taxpayers no state funds paid for the magazine, just student activity assessments.
• Roger C. Jones, Yahoo editor, issued a statement that the cartoon was being misinterpreted and was intended as "a light social commentary on the lightheartedness, if not bigotry, with which religion is treated by a minority of contemporary society. ... "Unfortunately this cartoon has been construed by individuals as a piece of the same bigotry which in actuality it was intended to satirize."
• Msgr. David J. Power of the campus' Newman Center for Catholic students, called the cartoon "blasphemous" and "offensive to a majority of students, Catholics and non-Catholic alike."

In Springfield, Bishop Weldon, who earlier brought attention to the cartoon, was quoted as saying the maturity of students rather than freedom of the press was at issue: "These students are not quite housebroken."

About 3,500 students signed a petition calling for the student Senate to organize a Free Press Committee.

A planned march on Beacon Hill was called off when Harrington agreed to squelch the probe as UMass officials assured him college administrators were "on top of the situation."

The Yahoo staff answered with a supposedly innocuous Commencement 1966 edition -- except for this cartoon depicting the editors' assessment of the Capitol:

Administrators squelched Yahoo funds.

The Student Senate held hearings the following academic year.

Yahoo cartoon, 1971

In 1968-69 students published an "unmentionable" campus humor magazine under the titles "Magazine" and "NO¢", according to UMass archives. The Yahoo name returned to campus in 1969 with trustees' approval. The last issues of Yahoo were published in 1973, when the Student Senate decided to pull funding for waning interest rather than offensiveness.

About the display 

The W.E.B. Du Bois library exhibit, "Student Voices: UMass Student Publications through the Years," 

showcases student publications from the Special Collections and University Archives department.

"We have one or two issues of Yahoo in there and mention the controversy," Kirstin Kay, archivist, told us in an email. 

The exhibit may be seen in the Learning Commons during regular library hours through the end of August.

Kay supplied further details from the university:

"Since almost the time of first arrival of students at Massachusetts Agricultural College in 1867, the college's students have taken an active role in publishing items for their own consumption. Beginning with the appearance of the first yearbook, put together by the pioneer class during their junior year in 1870 and followed by publication of the first, short-lived newspaper, The College Monthly, in 1887, students have been responsible for dozens of publications from literature to humor to a range of politically and socially oriented periodicals. ... The exhibit has samples of newspapers, yearbooks, cultural, literary, and humor magazines. The display also includes limited production, World War II-era newspapers produced by the 58th College Training Detachment (Air Crew) of the U.S. Army Air Forces stationed at UMass and the temporary campus for returning veterans at Ft. Devens."

One more thing: Library fixed

It is supposedly safe to go into the library now.

Construction on the 296.5-foot tower began in 1969, under the direction of Lederle, a year before he retired as a president who oversaw many construction projects, and then-Provost Oswald Tippo.

The tower promptly started falling apart after it was formally opened as the "University Library" on June 26, 1973. Falling bricks spurred students to nickname the library alternately as "Lederle's Last Erection"  and "Tipp-over Tower."

After closure in 1979 and limited use for a few years, the building was fully restored and operating again in the 1986-87 academic year.

Trustees renamed the tower in 1994 to honor Civil Rights activist W.E.B. Du Bois. The Department of Special Collections and University Archives hosts his "superlative collection" on the 25th floor.

Everyone needs a copy editor

Update July 14, 2014:
Add this to our Twitter hashtags: #everyoneneedsacopyeditor.
From TNT's promo for The Last Ship:

Promo for TNT's The Last Ship

(Hat tip to Mark Stevenson @markedits)

They fixed it! This aired July 13, 2014:

Updated promo for TNT's The Last Ship

A sign of our times, in Redmond, Washington:

Even the White House announcing the deal to free Sergeant Bowe Bergdahl (later fixed):

Yes, there for but the grace of God, etc.