Hate taxes? H&R Block’s new AI chatbot aims to reduce your tax frustrations

Like a spoonful of mustard or mayonnaise — or perhaps you prefer sriracha? — it seems no software recipe is complete these days without a dollop of generative AI. The groundbreaking technology plays games better than you, writes songs for you … heck, it can even be your girlfriend (to each their own). And now it can help you with life’s most vexing challenge: taxes.

In mid-December, H&R Block quietly announced AI Tax Assist, a generative AI tool powered by Microsoft’s Azure OpenAI Service. The new offering leverages the tax giant’s decades of experience in tax prep and leans on its stable of more than 60,000 tax pros to answer your thorniest questions about U.S. and state tax laws: Can I deduct this new laptop? Is this a personal expense or a business one? How many roads must a man walk down, before travel is officially part of his job?

We see AI as one of the defining technologies of our time.

Sarah Bird, Responsible AI, Microsoft

In a press preview on Thursday, January 25, in New York City, H&R Block announced another new tool designed to simplify importing last year’s tax returns from the competition. And it offered TechRadar the opportunity to try out the new AI assistant software and talk about the future of tax prep.

“We see AI as one of the defining technologies of our time … but only if we do it responsibility,” explained Sarah Bird, who serves as global lead for responsible AI at Microsoft. (Bird was virtual at the event, a result of possible exposure to Covid.) Microsoft’s Azure OpenAI Service lets developers easily build generative AI experiences, using a set of prebuilt and curated models from OpenAI, Meta and beyond. Her team helps companies like H&R Block ensure that their tools use the highest quality training data, guide you with clever prompts, and so on. “It’s really a best practices implementation in terms of responsible AI,” she said.

H&R Block notes that the tech will not file or even fill out your forms; it merely answers questions. But if you’re hesitant to even ask AI for tax advice, you have good reason. The tech is notorious for hallucinations, where it simply invents the answers to questions if it can’t find the right answer. Some experts worry that problem may never be solved. “This isn’t fixable,” Emily Bender, a linguistics professor at UW's Computational Linguistics Laboratory, told the Associated Press last fall. “It’s inherent in the mismatch between the technology and the proposed use cases.”

One answer to the problem is starting with the right training data. If the AI has reliable, trustworthy sources of data to pore through, it can find the right answer, saving you from hunting through the Kafka-esque bowels of the IRS to find the instruction form for Schedule B or whatever. And off-the-shelf large language models (LLMs) simply don’t have that data, explained Aditya Thadani, VP of Artificial Intelligence Platforms for H&R Block. Ask ChatGPT 4 a question, he noted, and you risk missing out on what’s new: The cut-off date for that LLM's data sources is April of 2023.

“The IRS has released a number of changes since then,” he told attendees at the H&R Block event. “They’re making changes well into December and January, well into the tax season. We’re making sure you get all that information.”

To try out the new system, TechRadar sat down with some sample data and asked a few test prompts: Am I missing any deductions? Can I deduct a car as a business expense? And so on. The chatbot offered reasonable prompts: A few paragraphs of information culled from H&R Block’s deep catalog of data, links to find more information, and so on. The company says it can answer tax theory questions, clarify tax terms, and give guidance on specific tax rules. And crucial to the entire experience: Live, human beings — CPAs even! — are always just a click away.

“When we are not absolutely sure? Don’t guess. Give a response that we are actually confident in,” Thadani said. And if you don’t get the response you are looking for from the AI, you can get it from the tax pro.”

Privacy matters: Who will see your data?

It’s hard to discuss any emerging technology without touching on privacy, and both Microsoft and H&R Block are very aware of the risks. After all, a person’s tax returns are highly personal and confidential – one reason they became such a hot-button in the US presidential elections. Should a company be allowed to train an LLM on your data?

“We’re sitting on a lot of really personal, private information,” Thadani admitted. “As much as we want to use that to answer questions effectively, we have to continue to find the balance.” So the assistant won’t remember you. It won’t ingest your tax forms to answer the questions you pose. And by design, other people won’t benefit from your questions down the road.

The new software also taps into one of the quirks of our modern software assistants. We don’t necessarily talk to them like adults. We’ve been trained to ask Alexa or the Google Assistant halting half-words and phrases. Meanwhile, chatbots can converse in natural language. H&R Block’s tool works fine in either space, Bird explained.

“It’s incredibly enabling because it allows people to speak in words they’re comfortable with,” she said. There’s the real power of technology in a nutshell: “Make a complex thing more accessible to people because the technology meets them where they’re at.”

Now if it could only help us deduct a few holiday pounds from the waistline.

You might also like

TechRadar – All the latest technology news

Read More

I got married this week, and these five iOS apps helped reduce our stress levels

April 14 was the day that I became a married man. And during the two years spent arranging it, there were a few apps on iOS 15 that we constantly used to make sure everything was paid for, and perfectly scheduled to play its part on the day.

Planning a wedding involves tasks that you would never expect to have to sort out – from agreeing on the music that would play while you sign the marriage certificate, to checking if the right tree logs for the table have been picked up by the best man.

If we didn't have our iPhones and apps at hand, we may have had to hire a wedding planner to avoid the multiple moments of stress we would have inevitably had.

But thankfully, there were five apps that helped us manage big chunks of the wedding that I was not expecting when I proposed back in 2020.

Notes

iOS 15 Wedding Notes

(Image credit: TechRadar)

Apple's Notes app is one I've relied on since the first version of iOS. It's simple, useful, and has always helped remind me of what's needed to be done for certain tasks.

For the wedding, its usefulness went to another level, thanks in part to the ability to manage notes with someone.

Having both of us add and remove checklists across the two years helped a bunch, especially when an update can appear as a push notification.

Things 3

Things 3 Wedding list on iOS 15

(Image credit: TechRadar)

While we had been arranging the wedding since 2020, tasks didn't really ramp up until the beginning of this year, which is where a to-do app came in.

Having tried other apps in this category, such as OmniFocus, Things 3 won out thanks to the quick actions of its Today screen. I could add and remove sudden jobs, and they'd also display in a helpful widget on my iPhone.

It's not just available on your iPhone for $ 9.99 / £9.99 / AU$ 11.99, it's also available on the iPad for $ 19.99 / £19.99 / AU$ 24.99, and on the Mac priced at $ 49.99 / £29.99 / AU$ 59.99.

Being reminded to pay for a photo booth or to decide on types of flowers in Things was a big help. In fact, it was so helpful I've expanded it to other aspects of my life, including my job at TechRadar, and hobbies like, embarrassingly, weekly Fortnite challenges.

Shazam

iOS 15 Shazam Playlist

(Image credit: TechRadar)

Spotify and Apple Music are two apps I've constantly used for the last decade. I still pay for iTunes Match, which is a yearly service that allows me to host all the music content that I owned on my iPod.

For the wedding itself, we found Spotify useful in arranging the entire playlist from start to finish, mainly due to the ability to have collaborative playlists.

This allowed us to add and remove songs in a playlist as we pleased, with our initials letting each of us know who added the most embarrassing song of the evening.

However, Shazam was most useful in helping us discover artists and tracks that we never would have considered. Going to wedding fayres and shops we heard a lot of music and by using Shazam to discover what the titles were, we could add them to our Spotify and Apple Music playlists.

It's a handy app that can help bolster your music library on whichever music app you use, without being intrusive.

A recent update also allows Shazam to be set up as a shortcut in Control Center on iOS 15, which saves you time before the track stops playing.

Angry Birds

Angry Birds Classic on iOS 15

(Image credit: TechRadar)

For me, managing a wedding is the equivalent of spinning 50 plates while standing on one leg, and reciting the alphabet backward in Spanish.

And that can lead to moments where you just want to escape the planning and the picking, and the paying, and just play a game instead.

This is where I decided to revisit some games thanks to Apple Arcade, and I rediscovered Angry Birds. It was an ideal pick for alleviating some of the frustration that occurred with some suits in February.

The game's maker, Rovio has also re-released the original game on iOS and Android, which I promptly downloaded. Flicking the irate fowl across four worlds on my iPhone 13 Pro turned out to be a great stress reliever while I was on a train to sort out the suits again or deciding on the right type of chairs for the reception.

Monzo Pots

iOS 15 Monzo Pots

(Image credit: TechRadar)

Weddings cost money – lots of money. If you want to make sure that the location or items you had your heart set on for years can be part of your special day, you're going to hear the word deposit a lot until the big day arrives.

It's also a great lesson in managing your funds, which is where a feature from Monzo came in handy for us. Pots are a way of moving money into sections that can't be used by your debit card. They're essentially saving methods without creating a savings account.

You can lock a pot to stop you from withdrawing any money from it, alongside naming it whatever you wish and setting it with a picture. If you want, you can set any transactions to round up the payment to the nearest unit, with the spare change being sent to this pot.

It removes a worry about how much you have ready for the wedding or other saving goals, alongside making sure it's safe from temptation.

TechRadar – All the latest technology news

Read More

I got married this week, and these five iOS apps helped reduce our stress levels

April 14 was the day that I became a married man. And during the two years spent arranging it, there were a few apps on iOS 15 that we constantly used to make sure everything was paid for, and perfectly scheduled to play its part on the day.

Planning a wedding involves tasks that you would never expect to have to sort out – from agreeing on the music that would play while you sign the marriage certificate, to checking if the right tree logs for the table have been picked up by the best man.

If we didn't have our iPhones and apps at hand, we may have had to hire a wedding planner to avoid the multiple moments of stress we would have inevitably had.

But thankfully, there were five apps that helped us manage big chunks of the wedding that I was not expecting when I proposed back in 2020.

Notes

iOS 15 Wedding Notes

(Image credit: TechRadar)

Apple's Notes app is one I've relied on since the first version of iOS. It's simple, useful, and has always helped remind me of what's needed to be done for certain tasks.

For the wedding, its usefulness went to another level, thanks in part to the ability to manage notes with someone.

Having both of us add and remove checklists across the two years helped a bunch, especially when an update can appear as a push notification.

Things 3

Things 3 Wedding list on iOS 15

(Image credit: TechRadar)

While we had been arranging the wedding since 2020, tasks didn't really ramp up until the beginning of this year, which is where a to-do app came in.

Having tried other apps in this category, such as OmniFocus, Things 3 won out thanks to the quick actions of its Today screen. I could add and remove sudden jobs, and they'd also display in a helpful widget on my iPhone.

It's not just available on your iPhone for $ 9.99 / £9.99 / AU$ 11.99, it's also available on the iPad for $ 19.99 / £19.99 / AU$ 24.99, and on the Mac priced at $ 49.99 / £29.99 / AU$ 59.99.

Being reminded to pay for a photo booth or to decide on types of flowers in Things was a big help. In fact, it was so helpful I've expanded it to other aspects of my life, including my job at TechRadar, and hobbies like, embarrassingly, weekly Fortnite challenges.

Shazam

iOS 15 Shazam Playlist

(Image credit: TechRadar)

Spotify and Apple Music are two apps I've constantly used for the last decade. I still pay for iTunes Match, which is a yearly service that allows me to host all the music content that I owned on my iPod.

For the wedding itself, we found Spotify useful in arranging the entire playlist from start to finish, mainly due to the ability to have collaborative playlists.

This allowed us to add and remove songs in a playlist as we pleased, with our initials letting each of us know who added the most embarrassing song of the evening.

However, Shazam was most useful in helping us discover artists and tracks that we never would have considered. Going to wedding fayres and shops we heard a lot of music and by using Shazam to discover what the titles were, we could add them to our Spotify and Apple Music playlists.

It's a handy app that can help bolster your music library on whichever music app you use, without being intrusive.

A recent update also allows Shazam to be set up as a shortcut in Control Center on iOS 15, which saves you time before the track stops playing.

Angry Birds

Angry Birds Classic on iOS 15

(Image credit: TechRadar)

For me, managing a wedding is the equivalent of spinning 50 plates while standing on one leg, and reciting the alphabet backward in Spanish.

And that can lead to moments where you just want to escape the planning and the picking, and the paying, and just play a game instead.

This is where I decided to revisit some games thanks to Apple Arcade, and I rediscovered Angry Birds. It was an ideal pick for alleviating some of the frustration that occurred with some suits in February.

The game's maker, Rovio has also re-released the original game on iOS and Android, which I promptly downloaded. Flicking the irate fowl across four worlds on my iPhone 13 Pro turned out to be a great stress reliever while I was on a train to sort out the suits again or deciding on the right type of chairs for the reception.

Monzo Pots

iOS 15 Monzo Pots

(Image credit: TechRadar)

Weddings cost money – lots of money. If you want to make sure that the location or items you had your heart set on for years can be part of your special day, you're going to hear the word deposit a lot until the big day arrives.

It's also a great lesson in managing your funds, which is where a feature from Monzo came in handy for us. Pots are a way of moving money into sections that can't be used by your debit card. They're essentially saving methods without creating a savings account.

You can lock a pot to stop you from withdrawing any money from it, alongside naming it whatever you wish and setting it with a picture. If you want, you can set any transactions to round up the payment to the nearest unit, with the spare change being sent to this pot.

It removes a worry about how much you have ready for the wedding or other saving goals, alongside making sure it's safe from temptation.

TechRadar – All the latest technology news

Read More

Xbox tech set to reduce CPU overhead by up to 40% when gaming on Windows 11

Windows 11 gamers could get some really beefy benefits from DirectStorage tech, which was recently announced to have arrived on Microsoft’s newest OS – but it’ll be some time yet before developers incorporate it into games.

We already knew that Windows 11 would give users ‘optimal’ results with DirectStorage (compared to Windows 10) in terms of what this feature does – namely seriously speeding up NVMe SSDs.

However, there’s been an eye-opening revelation concerning exactly how much difference this will make when it comes to relieving the pressure on the PC’s processor.

As TweakTown reports, Cooper Partin, a senior software engineer at Microsoft, explained that the DirectStorage implementation for PC is specifically designed for Windows.

Partin noted: “DirectStorage is designed for modern gaming systems. It handles smaller reads more efficiently, and you can batch multiple requests together. When fully integrated with your title, DirectStorage, with an NVMe SSD on Windows 11, reduces the CPU overhead in a game by 20-40%.

“This is attributed to the advancements made in the file IO stack on Windows 11 and the improvements on that platform in general.”


Analysis: CPU resources freed which will make a major difference elsewhere

A 40% reduction is a huge difference in terms of lightening the load on the CPU, although that is a best-case scenario – but even 20% is a big step forward for freeing up processor resources.

Those resources can then be used elsewhere to help big open world games run more smoothly – as we’ve seen before, DirectStorage isn’t simply about making games load more quickly . There’s much more to it than that, and now we’re getting some exciting glimpses of exactly how much difference this Microsoft tech could make to PC games.

Of course, while the public SDK (software development kit) has been released, it’s still up to game developers to bake in this tech when they’re coding, and it’ll be quite some time before we see DirectStorage appearing in many games.

The first game which uses DirectStorage is Forspoken, and we got a glimpse of that at GDC, where it was shown to load up in a single second. Forspoken is scheduled to arrive in October 2022.

TechRadar – All the latest technology news

Read More

Xbox tech set to reduce CPU overhead by up to 40% when gaming on Windows 11

Windows 11 gamers could get some really beefy benefits from DirectStorage tech, which was recently announced to have arrived on Microsoft’s newest OS – but it’ll be some time yet before developers incorporate it into games.

We already knew that Windows 11 would give users ‘optimal’ results with DirectStorage (compared to Windows 10) in terms of what this feature does – namely seriously speeding up NVMe SSDs.

However, there’s been an eye-opening revelation concerning exactly how much difference this will make when it comes to relieving the pressure on the PC’s processor.

As TweakTown reports, Cooper Partin, a senior software engineer at Microsoft, explained that the DirectStorage implementation for PC is specifically designed for Windows.

Partin noted: “DirectStorage is designed for modern gaming systems. It handles smaller reads more efficiently, and you can batch multiple requests together. When fully integrated with your title, DirectStorage, with an NVMe SSD on Windows 11, reduces the CPU overhead in a game by 20-40%.

“This is attributed to the advancements made in the file IO stack on Windows 11 and the improvements on that platform in general.”


Analysis: CPU resources freed which will make a major difference elsewhere

A 40% reduction is a huge difference in terms of lightening the load on the CPU, although that is a best-case scenario – but even 20% is a big step forward for freeing up processor resources.

Those resources can then be used elsewhere to help big open world games run more smoothly – as we’ve seen before, DirectStorage isn’t simply about making games load more quickly . There’s much more to it than that, and now we’re getting some exciting glimpses of exactly how much difference this Microsoft tech could make to PC games.

Of course, while the public SDK (software development kit) has been released, it’s still up to game developers to bake in this tech when they’re coding, and it’ll be quite some time before we see DirectStorage appearing in many games.

The first game which uses DirectStorage is Forspoken, and we got a glimpse of that at GDC, where it was shown to load up in a single second. Forspoken is scheduled to arrive in October 2022.

TechRadar – All the latest technology news

Read More