Saturday, August 8, 2020

Bad Credit Helper Do You Need Credit Counseling

Bad Credit Helper Do You Need Credit Counseling Bad Credit Helper: Do You Need Credit Counseling? Bad Credit Helper: Do You Need Credit Counseling?If you’re drowning in debt, then you probably need a life preserver. That’s where credit counseling might help save your lifeâ€"or at least your pocketbook.Use whatever metaphor you want for debt: maybe you’re drowning it, maybe it’s crushing, maybe it’s like an incredibly persistent ghost haunting you wherever you go.However you describe it, the fact remains that massive debt is a huge problem. It drives down your credit score, drives up your interest rates, and generally makes it impossible to get ahead.There are many solutions out there for dealing with debt and fixing your bad credit, and credit counseling is one of the big ones. That’s why we reached out to three top industry experts to explain the basics.Who knows? This could be the thing that takes your debt from [Insert Metaphor Here] to nothing more than a distant memory.What is credit counseling?Credit counseling is a financial service designed to educate consumer s to pay off their debts and how to avoid debt in the future,” Katie Ross, Education and Development Manager, American Consumer Credit Counseling, or ACCC.“Credit counseling may involve analysis of a consumers financial situation, evaluation of debt reduction strategies for paying off or managing debt, and education about money management.”Gary Herman, President of Consolidated Credit Counseling Services, says, “It’s an invaluable service for anyone who is struggling to pay off debt on their own. Even when someone faces challenges, such as a low credit score or a limited budget, credit counseling can often help them achieve freedom from debt.”How does the process work?According to Herman, “the counseling process typically starts with a free debt and budget evaluation. The credit counselor gathers information from the consumer about their current debt, income and expenses. They also check the person’s credit to see where they stand.”“Based on those results, the co unselor can evaluate which debt relief will work best in that consumer’s unique financial situation. If it turns out that a debt management program is the best option, the credit counselor can help the client enroll.”Mike Sullivan, a personal finance consultant with national nonprofit credit counseling and debt management agency Take Charge America, says that “Typically, a consumer contacts a credit counseling agency due to personal concern about debt, or due to a creditor referring that consumer because they fit the profile of being financially distressed.”“Of course, there are occasional calls from consumers who just want help with budgeting or advice on a topic like identity theft or reverse mortgages, but most consumers do not ask for help until they are in trouble.”What is a Debt Management Plan and how does it work?Hopefully, your initial consulting session with a credit counselor will end with your being able to pay your debt on their own.But if not, there’s sti ll another solution possible:A DMP, or Debt Management Plan, is a service offered by most credit counseling agencies, says Sullivan. “A consumer having difficulty managing debt may be offered the opportunity to have the credit counseling agency make payments on some or all of their accounts.“The consumer would send money to the agency, and the agency would negotiate with creditors to lower interest rates and/or re-age accounts (have them brought out of late or default status to save on fees) and make payments from the consumers funds.”“There is typically a charge for this service, although the concessions gained and regular payments should still lead to savings for the consumer,” he says.Ross lays out the steps through which a DMP is established:“In an initial free credit counseling session, you collect all of your outstanding credit card statements and monthly bills, and we work with you to create a manageable budget.”“Next we assess your credit card debts, and othe r unsecured debts, and create a proposal to send to your creditors. Creditors have been known to lower your monthly interest rates, accept a lower monthly payment, or re-age your accounts so they are current, instead of in arrears. The goal of a debt management plan is to get you out of debt in the shortest period of time, without going through bankruptcy or debt settlement, both of which are detrimental to your credit score.”“Once a proposal is accepted, we set up an account for you, where you transfer funds directly to us via EFT, electronic funds transfer from your checking account. Each month, we make sure your bills are paid on time and keep you apprised of your status with a monthly statement of your account.”Herman states that the lower interest rates negotiated through a DMP mean “that a person can get out of debt faster, even though their total monthly payments are typically reduced by 30 to 50 percent.”How much does credit counseling cost?The answer to this quest ion is going to vary depending on your situation and the credit counselor with whom you’re working.But overall, especially if you’re working a not-for-profit company, the cost of credit counseling should always be low. Sometimes it’s even free.“The cost of credit counseling varies by agency,” says Ross. Nonprofit credit counseling firms will tend to cost less than for-profit agencies, and some may even offer free credit counseling services.”“ACCC charges a one-time enrollment fee of $39.00 and $5 per account with a maximum monthly fee of $35.”“The initial credit counseling consultation is free,” says Herman. There are setup and monthly administration fees for enrolling in a debt management program. The cost of these fees varies by state and is regulated by state law, but it should never”“There are exceptions that can be made to the fee structure for financial hardship, as well as special cases such as military deployment.”When should I seek advice from a cr edit counselor?If you’re thinking about contacting a credit counselor, then, to be honest, you probably should. If your debt burden is at the point where you’re considering outside help, then your situation is already not too great.For Ross, the need for credit counseling includes such signs of financial trouble as:Paying your bills lateMissing paymentsPaying less than the minimumIf you have been turned down for credit or for a loanHerman says that “Consumers should also contact a credit counselor if they’re struggling to find an alternative debt solution on their own. If interest rate negotiation with your creditors fail or if a debt consolidation loan is not working, it’s time to contact a credit counselor.”On this question, Sullivan has a slightly different, and very wise, answer:“It may be a good idea to contact a credit counseling agency upon receiving your first credit card. A counselor will assist you with creating a budget a determining exactly how much you can afford to charge based on your available income,” he says.“For most consumers, however, the time to call is the first time you have difficulty making the minimum payment due on any account. Most consumers wait until collectors begin to call but that is often too late.”Do you have an experience with credit counseling that you’d like to share? Well guess what?! We’d love to hear from you! You can find us on Twitter at @OppLoans.Visit OppLoans on YouTube | Facebook | Twitter | LinkedINContributorsGary Herman, Consolidated Credit Counseling Services Inc. (@ConsolidatedUS), is a consumer credit specialist and a AFCPE Certified Credit Counselor. He has been a part of Consolidated Credit for over 20 years and his expertise in establishing operations and marketing policies, hiring, and training financial counselors, has been a crucial advantage in Consolidated Credit’s success. As an expert who examines consumer credit trends, causes and effects of financial over-extension, Mr. Herman has been able to predict the needs of financially burdened consumers and provide Consolidated Credit’s certified counselors with the tools and educational materials required to keep ahead of the public’s needs.Katie Ross, joined the American Consumer Credit Counseling, or ACCC, management team in 2002 and is currently responsible for organizing and implementing high performance development initiatives designed to increase consumer financial awareness. Ms. Ross’s main focus is to conceptualize the creative strategic programming for ACCC’s client base and national base to ensure a maximum level of educational programs that support and cultivate ACCC’s organization.Mike Sullivan is a personal finance consultant with Take Charge America (@TCAsolutions), a national nonprofit credit counseling and debt management agency. He has more than 25 years of experience educating consumers about a wide range of budgeting, credit, debt and saving issues, and was instrumental in bui lding Take Charge America’s financial education department and community initiatives. More at www.takechargeamerica.org.

Sunday, June 28, 2020

The Lesser Evil Review Secrecy, Violation of Rights - 275 Words

The Lesser Evil Review: Secrecy, Violation of Rights (Essay Sample) Content: The lesser evilNameInstitutionThe Lesser EvilWhen terrorism is being fought by democracies, they are usually defending the proposition that is founded on the perception that their political lives are supposed to be free of violence. However, violence is used to defeat terror. Secrecy, violation of rights, deception and coercion are also used. The question therefore stands in this matter as to how democracies settle for these means of fighting terror without breaching their values. The other ideology is with regards to how they may resort to lesser evils without succumbing to greater ones. Civil libertarians never want to debate about lesser evils. Security is perceived to be much of right just as liberty but civil libertarians avoid the question as to which freedoms are worthy of trade to ensure that security is upheld. Conservative thinkers, like those of the libertarian Cato Institute hold the same ideologies but their rationale is quite different. For them, th e big government is the greater evil and they also oppose all the measures that grants more power to the executive branch. The Attorney General, John Ashcroft who is also a conservative refused to hold the belief that all measures instituted to defend America can be termed as evil in any way (Ignatieff, 2004).The debate on the lesser evil is unavoidable because strict adherence to principles of the rule of law creates a lot of avenues for terrorists to exploit the freedoms owned by individuals. The abandonment of the rule of law would also betray the highly esteemed institutions. For evil to be defeated, they may have to be trafficked; preemptive war, coercive interrogations, targeted assassinations and the indefinite detention of suspects. All these qualify to be evils because they stray from international and national law due to the fact that they result to the deprivation of peoples freedoms in the absence of due process and that they also kill people. Their only justifications would be the prevention of the greater evils. The resolution therefore is not as to whether lesser evils should be trafficked but if they can be kept under control by free institutions. If they cannot be controlled then the victories gained from war on terror would be rendered Pyrrhic (Ignatieff, 2004).Michael Ignatieff seeks to answer whether liberal democracies are supposed to be free of violence or whether the lesser evils are justified under the rationale that the values represented by democracies are being protected. He generally offers an insightful discussion based on the possible necessity of using violence when ideologies of democracy are under attack. He argues for an approach t that is measured when the values of democracy are under attack. He therefore encourages that moral power should be exercised so as to persuade others on the values pertaining to liberal democracy. He therefore offers principles that liberal democracies can navigate when moral imperatives that requi re the protection of communities and individual rights are competing. He therefore argues that governments are justified in violating rights when encountering terror emergencies but, they should be executed with a conservative bias. This entails execution with adversarial proceedings, due process and other relevant legal safeguards. He also agrees that societies can be able to make tradeoffs that are prudent when they have accurately assessed the threats magnitude. He also considers the long history of terrorism on democratic societies and argues that liberal states have repeatedly overreacted and have readily curtailed freedoms. He argues that citizens do not have more rights accruing to them as opposed to non-citizens. After the 9/11 attack he protested that illegal aliens mostly Arabs and those of Islamic origin were targeted for deportation and detention and this he states are unjust and were unnecessary. He concludes that liberal democracies can survive terror when they take t he political contexts that enable terrorism to thrive seriously. This entails persuading, engaging and advocating for social justice (Ikenberry, 2004).Ignatieff. Being a professional advocate for human rights, broke with a lot of organizations of human rights when he defended the actions of Presidents Bush administration decision in going to war with Iraq based on the fear of what Saddam Hussein would do with his weapons of mass destruction. Rabkin (2005), disagrees with Ignatieff by arguing that the lesser evil is not good enough. His argument majorly center on Ignatieffs contention that liberal democracies have to perpetuate evil so as to forestall or combat worse evils. Ignatieff (2002) seeks to correct the moralism attached to human rights so as to leave room for rationale political calculations to be executed by a statesman when confronting terrorism. At the same time he seeks to preserve the moral outlook of advocates of contemporary human rights without considering how fundam entally anti-political or unpolitical the issue really is. Ignatieff rejects the counsel that a suspension of the normal protection that is legal leads to a breach of constitutional ethics he endorses Robert Jacksons admonition that the constitution is not a suicide pact. He also rejects the opinion that the protections offered by the constitution are to be entirely ignored during emergency periods or war. The constitutional protections to be suspended however, cannot be determined by pragmatic considerations. Constitutional provisions that enhance security may end up diminishing the respect for future rights and laws. This he deems are a cost that utilitarian calculations are apt to ignore. Rabkin therefore opines on this matter that Ignatieff encourages the courts and legislatures to play an active role in ensuring that rights do not end up being restricted to levels that are more than necessary or for periods that are longer than necessary. Even though Justice Jackson warned o f too much restrictions on interpretations of the constitution, he also warned against coercing judges in the reviewing of emergency actions where detailed information, political support or overall perspective was negated and executive judgments were therefore acquiesced in the moments heat. Therefore, emergency actions that would be perceived as questionable exceptions would then be viewed as lawful precedents. This would lead to precautions as to allowing courts to constrain the conduct of executives. Rabkin further opines that another problem with Ignatieffs argument is that he wants to drive the argument from the constit...

Saturday, May 23, 2020

Glowing and Flaming Cocktail Recipes

These drink recipes are for easy glowing and flaming cocktails. The cocktails get their effect from safe chemicals found in ingredients youll find in your kitchen or bar. Glowing Cocktails Glowing cocktails safe glowing ice drinks glow under a black light tonic water (containing quinine) - bright blueenergy drinks containing B vitamins - bright fluorescent yellow or sometimes greencrushed B vitamins - yellow glowchlorophyll - deep blood red glow tonic water with an energy drink Colored Flames yellow flame Lite salt potassium chloride subtle violet color in copper cups Flaming Cocktails See a video of the flaming and glowing cocktails.

Tuesday, May 19, 2020

French Revolution Impact On Romantic Poetry - 1829 Words

French Revolution Effects on Romantic Poetry During the nineteenth century, one of the most crucial events to have influenced British society were French Revolution ideals. Their beliefs of liberty and freedom were upon some of the most cherished in life. As Romantics appreciated imagination, emotion, and nature, they were prompted to adopt these French beliefs in a newly profound manner. Romantic poets had broken down boundaries not just in poetry, but in the lives of the British as well. As this shift occurred, women perceived their lack of equality, as they were disheartened to obtain knowledge. Some of the most well-known poets during the Romantic era were William Wordsworth, Samuel Taylor Coleridge, and Mary Wollstonecraft - all whom†¦show more content†¦Even if it was the dark side of nature, it was always incorporated in some way. They found nature to be kind and good, unlike the corruption that existed in society. This was a way to escape to their ideal and satisfying world. As Romantic poetry had many forms ar ound the world, emotion and imagination were always included as if aided in personal expression. It was once declared that â€Å"Poetry is the spontaneous outflow of powerful feelings: it takes its origin from emotion recollected in tranquility (Wordsworth 263). In England, individualism was declared through lyrical poetry. Samuel Taylor Coleridge and William Wordsworth were two of the pivotal poets to have use lyric poetry. They published their collection of poems in Lyrical Ballads (1789). Many more poets followed to publish their own lyric poems. Evidence in Wordsworth’s and Coleridge’s Poems The Convict by William Wordsworth, deals with human imprisonment upon the mental state of the individual and in society. â€Å"The Convict† is any individual who has been confined in some type of manner, whether it be mentally or physically. During the French Revolution, that individual was anyone from the lower class. Many were victims of, â€Å"the abuse of power by the aristocracy† (Gravil 20). Wordsworth had great empathy toward those who were restricted: â€Å"And with a deep sadness I turned, to repair / To the cell where the convict is laid† (Wordsworth 7-8). Wordsworth implied thatShow MoreRelatedInfluences of the Romantic Period1575 Words   |  7 PagesInfluences on the Romantic Period Romanticism spawned in the late 18th century and flourished in the early and mid-19th century. Romanticism emphasized the irrational, the imaginative, the personal, the spontaneous, the emotional, the visionary, the transcendental, and the individual. Romanticism is often viewed as a rejection of the ideologies of Classicism and Neoclassicisms, namely calm, order, harmony, idealization, rationality and balance. Some characteristics of Romanticism include: emotionRead MoreEssay on The Romantic Era a.k.a. the Enlightment Era649 Words   |  3 PagesThe romantic era was mostly considered the enlightenment era because it brought change to the way a person would look at nature and themselves. This changed how people imagined things. By the end of the 19th century the romantic era was started. Many artisans took this change to make literature, music, and poetry more emotional and self-embodiment. During this time period artists became famous and inspired many people with their works. Caspar David Friedrich was a famous artist who lived from 1774-1840Read MoreRomanticism : Romanticism And Romanticism1444 Words   |  6 Pagestime 1750 to 1870 in Europe, Latin America and The United States. Romantic Movement didn’t reach to France until the 1820’s. Romanticism main spirit was against of rule, law and formulas that classicism the different characterized of general in 18th century. Imagination, Subjectivity of approach, freedom, Expression and the idealization of nature will be focused in movement of Romantic Literature. In this period industrial revolution with the social and political norms form as age of enlightenmentRead MoreRomanticism Movement ( 1750-1870 )1223 Words   |  5 PagesRomanticism was a period time between 1750 to 1870 in Europe, Latin America and The United States. Imagination, Subjectivity of approach, freedom, Expression and the idealization of nature will be focused in movement of Romantic Literature. In this period of time industrial revolution with the social and political norms form as age of enlightenment and against of scientific rationalization of nature. Some Literature element of that period will be emotional, imagination and suspense. Romanticism movementRead MoreImpact of the 1789 French Revolution on Literature3917 Words   |  16 Pagesï » ¿Impact of 1789 French Revolution on Literature Introduction - Outline ONE: Pre-Revolution Attitudes in France freedom of expression was repressed to a degree that became intolerable the pre-Revolution literature reflected and related to the upper class in France the French language was considered the Kings language and for those extolling the virtues of the king; the great bulk of the French population used Latin TWO: The Romantic Movement Following the Revolution of 1789 albeit theRead More Lyrical Ballads Captures The Hour of Feeling Essay1207 Words   |  5 Pages Lyrical Ballads were written in a time of great change. They were dominated by the French Revolution and both Wordsworth and Coleridge felt great impact from this. There was disruption all over with the American War of Independence and other wars worldwide. Britain itself was changing rapidly due to colonial expansion, which brought new wealth, ideas and fashion, and there was much disturbance to both the people and the land with the act of enclosure, which may have meant more effective farmingRead MoreCharacteristics Of Romantic Poetry By William Blake1051 Words   |  5 PagesEmily Woolverton Professor Balding English 2320 February 26, 2016 Characteristics of Romantic Poetry The start of the Romantics was the start of a new period in poetry. Romantic poetry developed after more and more people began to let their emotion become a bigger part of their life. These Romantics wanted to express how they felt, rather than what they thought about science and reason. This brought on the change in how genders, races, and different classes were viewed. Less people participatedRead MoreWilliam Wordsworth And Lord Byron1102 Words   |  5 Pagesthe forces of the French Revolution, William Wordsworth and Lord Byron sought to change the poetry of the era by enriching it with emotion. William Wordsworth, known for his poem,  ¨Tintern Abbey ¨ elucidates a feeling of solitude throughout, as he relates to the nature around him. Contrary to Wordsworth ´s work, Lord Byron creates a harsh tone by explaining the insignificance of mankind in his poem,  ¨Apostrophe to the Ocean ¨. Wordsworth ´s poem  ¨Tintern Abbey ¨ exemplifies Romantic philosophy with aRead Mo reAspects Of Romanticism1825 Words   |  8 PagesAspects of romanticism The main aspects of Romantic literature focuses on emotions and the narrator’s inner world, celebrating nature, beauty and most importantly imagination. This literatic era rejects everything that has to do with rationalism, religion or industrialization which were very important in the 1800s, however, not liked much by literary figures. Many poems which were written after the late 1700s reflect on the elements of romanticism. The experimental language and the interest inRead More Samuel Taylor Coleridge Essay1981 Words   |  8 PagesSamuel Taylor Coleridge The French and American Revolutions had an enormous impact on the early Romantic thinkers like Samuel Taylor Coleridge and William Wordsworth. The aristocracies that had been controlling Europe were beginning to fall, the middle class began to grow and power was increasingly falling into the hands of the common people. This may explain why the poetry that Coleridge and Wordsworth produced was aimed at the common man, rather than the educated aristocrats. This meant a

Tuesday, May 12, 2020

Mitigation of Emergency Planning Course Work

Mitigation is a very important process in conserving the environment since it reduces the risks of damage of property and loss of lives of human beings and animals. This activity is very necessary because through it, resources in the environment can be used in the right manner. There are several hazards in the environment, which can be mitigated in several ways. One of these hazards is flood. Floods can be mitigated through formation of regulatory and planning measures, creating reward, and penalty strategy to those who are either negatively or positively involved in this phenomenon, and creating public awareness and education in the community. Another common hazard in the environment is soil erosion. This phenomenon can be mitigated through public awareness, creating of funds to enable preventive measures, engaging in vital decision-making, planning process especially by the government, and taking responsibilities. Fire is another hazard, which needs a very organized planning so as to mitigate it. Fire can be mitigated through creation of funds to buy the necessary equipment, forming a committee to look into cases of fire and determine the likelihood of fire in some places, proper planning, and decision-making and creating awareness as well educating the public. Oil spill has also been considered a serious hazard, especially to aquatic life. So as to mitigate this hazard, it is important to develop awareness to individuals in several regions on the importance of aquatic life. It is also very important to come up with strategies, which are geared at ensuring that no one dumps oil in oceans and proper security personnel should be utilized so as to minimize this vice. Reference Alexander, D. (2002). Principles of Emergency planning and Management. Harpenden: Terra Publishing.

Wednesday, May 6, 2020

The Reality of the American Dream The Poem Richard Cory...

As Americans, many of us believe in this principle of the American Dream. The American Dream, in its simplicity, is the notion that anything, especially career wise, is achievable. We usually associate this concept with obtaining material things, such as cars or a fancy house. But, even if you achieve your American Dream, complete with a car and fancy house, does that really mean you achieved happiness? The poem â€Å"Richard Cory† by Edwin Arlington Robinson is a testament to this idea that although someone may have everything there is to want, that does not really mean they have true happiness. The poem â€Å"Richard Cory† is a description and story of a man named Richard Cory, of course. The speaker of the poem is an impoverished, blue-collar†¦show more content†¦They are not waiting for an actual light to save them, it is an expression used, especially in Biblical times, referring to salvation. These workers, who slave every day, are simply waiting on someo ne or something to come save them from this undesirable work. The last symbols in this poem are the meat and the bread. â€Å"The meat may represent and be an example of everything [the speaker] could not afford to have but wanted badly and valued highly, and the bread may represent and be an example of everything they could have but did not enjoy or appreciate† (Overview: Richard Cory). These symbols are all further supporters of the overall theme of the poem. Why would this king, Richard Cory, who is generally liked and envied by these people on the pavement, commit suicide? Again, the answer is simple, he was not truly happy. The second main poetic device used by Robinson is irony. The apparent irony in the poem is the fact that Richard Cory killed himself. As I have discussed before, Richard Cory was this guy who had all of the things anyone could ask for. He had good-looks, money, intelligence, and was, for the most part, liked by everyone. The irony comes when the reade r realizes that the majority of people would be unbelievably happy with this life. It is extremely appalling and ironic that Richard Cory could kill himself with this seemingly perfect life. The second piece of irony stems from the first. It is not necessarily the fact thatShow MoreRelatedThe Dysfunctional American Dream in Death of a Salesman by Arthur Miller1231 Words   |  5 PagesThe Dysfunctional American Dream in Death of a Salesman by Arthur Miller In the American society, it is thought that if you work hard, no matter what circumstances, you can become rich and powerful. You can overcome deep poverty to become the richest man alive. This superhuman absurdity is what is referred to as the American Dream. Day after day, Americans struggle to achieve fame and prosperity, only to find failure and heartbreak. The American Dream in todays society is dead and isRead MoreDreams Deferred And Pleas For Help Unheard : The Effects Of Racism991 Words   |  4 Pages Dreams Deferred and Pleas for Help Unheard: The Effects of Racism Langston Hughes’s poem â€Å"Harlem† and William Faulkner’s â€Å"That Evening Sun† both provide unique and impactful takes on systematic racism in the post-slavery United States. Neither piece explicitly confronts or names the racism depicted in them, illustrating how casual racial prejudice and its effects on its victims are often viewed as inconsequential or innocent – and therefore are dangerously insidious. Both â€Å"Harlem† and â€Å"That EveningRead MoreCritical Analysis Of Richard Cory By Edwin Arlington Robinson1069 Words   |  5 PagesRichard Cory I chose to write about the poem Richard Cory by Edwin Arlington Robinson. I chose to write about this poem because it interested me, the way the setting and the personality of the protagonist lured me into writing about it. What I liked about this poem was its mysterious ending. This poem relates to our world today because many people are seen as perfect or nearly as perfect, but in their own eyes, theyre in reality, miserable. The poem Richard Cory is about a rich man thatRead MoreEssay on Confronting Death in Poetry1116 Words   |  5 Pages Robert Frost successfully delineates this process in his poem, Out, Out - as he describes how the boy in the poem experiences the first stage of impending death - that of denial. Frost paints a picture of school age children doing the household chores of adults. Death with children is especially disturbing because in our unconscious mind we are all immortal, so it is almost inconceivable to be openly confronted with the reality of death. For children, this thought is especially implausible

How safe is artificial intelligence Free Essays

Artificial intelligence is the idea that computer systems can have the intelligence of a human. This means a computer system could think, communicate and do many things we humans do in our everyday life. For there to be artificial intelligence, humans must create it and develop it. We will write a custom essay sample on How safe is artificial intelligence? or any similar topic only for you Order Now We humans are the creators of artificial intelligence and many people think if we overdevelop it, it could one day lead to chaos. Many people think that if one-day artificial intelligence gained the same intelligence as humans, they could decide to go against humanity and destroy us. Steven Hawkins suggests that artificial intelligence could someday wipe out humanity when it gets too clever as we will be like ants compared to the computer systems. Artificial intelligence is already growing at a very fast rate. Google’s car is a great example of artificial intelligence since Google have developed driverless cars, especially Toyota. They have programmed the cars to drive without the use of human interaction. This already proves that artificial intelligence is growing at a very fast speed. Although it’s accurate to say that it’s hard to measure the risk of danger with artificial intelligence. Like driverless cars, they could one day be infected with a virus which could make the car do things it shouldn’t for example crash and this could be very dangerous. Artificial intelligence can have many benefits which help us every day for example GPS, they calculate our routes, time it takes to get to target destination and the fastest route possible. Computer systems are also beneficial in terms of calculating mathematically compared to humans where it could possibly take days, weeks or even months to calculate for something. A computer system can calculate something and complex situations in a matter of seconds. Computer systems can also model many real life situations and help to make decisions just like humans. Artificial intelligence can be very dangerous in some cases. We could say that if AI gained the same intelligence as humans and was able to make rational decisions, they could decide to overtake and rule the world since they are ‘smarter’ and will only get ‘smarter’ than humans. There would be a conflict between the human race and AI. It’s fair to say these are just opinions and theories since we cannot accurately measure the risk of AI until the day of its awakening. There are many movies which are based on AI and influence the publics’ ideology of AI. Movies such as terminator and I, Robot represent AI in a negative aspect which could lead people to believe AI is dangerous. People are not to blame for their ideology since the media can influence their values and beliefs. One again, hackers could use their knowledge to get access into the AI and control it to their own advantage and do many things. Depending on how lethal the AI can be, the hacker could harm civilians or even participate in an act that could cost owners their life or money. For example, a hacker hacking into someone’s car and making it turn off in middle of a motor way could lead to danger as motor ways are usually driven by many cars with fast speed. Errors and glitches are very common when it comes to technology and applications therefore it could be said that AI may sometimes malfunction and cause a problem which could yet again harm the protection of someone’s life. Christian, L. (Aug, 28, 2015). Is Artificial Intelligence Really A Threat To Humanity. Tech Times, P1. Violence isn’t the only threat to humanity. It is said that humans could implement AI within latest technology for example facial recognition. This could be a threat to many people as systems would be able to recognize you and even find out who are related to you based on traits such as your appearance, body position and the way you move. Voice recognition could also be used to recognize your identity and can also be used to find relatives. Christian also mentioned that we should consider how ‘long’ it would actually take for AI to be a threat to humanity since it would take decades for AI to reach the super intelligent level. It’s also important that humans focus on the counter measures and techniques to monitor AI to prevent them one day from taking over. Since we are humans, we are the ones who create AI which means we have control over it and can modify it therefore we can always implement security measures just in case AI turns against us. This is the advantage we humans have. It’s the ability to control the AI however if AI learns how to outsmart humans, then it would be unfortunate as the AI would be able to counter and modify the programming code that was implemented within it. EDWARD, M G. (2015). The Bulletin Forums. Artificial intelligence is just exaggerated and it just distracts us from the threats we face currently. ANTHONY, C. (October 7, 2015). Ib Times. Artificial intelligence program ConceptNet matches 4-year old child in IQ test, P1. This proves to us we still have a long time left until AI really can overpower humans but at this current stage, as of 2015 the AI have been revealed to have the IQ level of children. This can be really reassuring to people who were afraid of AI developing too fast. It seems we have a long time left. It will take a lot of trial and error to update AI in order for it to get a higher IQ score. However, this proves to the world that AI has finally been able to gain the intelligence of a child which is a big clue and hints that it’s developing gradually, and one day it will have superior intelligence. If AI keeps progressing at this rate, then the future may have something surprising waiting for them. How to cite How safe is artificial intelligence?, Papers