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“A bad credit report is nothing that can’t be repaired,” Says Credit Repair Specialist Alex Miller

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"A bad credit report is nothing that can't be repaired," Says Credit Repair Specialist Alex Miller

Modern society runs on credit, and you cannot underestimate the importance of a good credit score. Proof that you are financially responsible is essential if you are looking to take out a loan, a mortgage, or simply purchase a new car.

Unfortunately, many of us are guilty of living beyond our means and can all too easily fall into the trap of being financially unviable in the eyes of lenders. Yet, according to renowned credit repair specialist Alex Miller, the difference between a positive and negative credit score is simply a question of math. He believes that with a bit of knowledge and work, everyone can transform a terrible credit score into an exemplary one.

“Never give up hope is what I tell everyone whose credit score has sunk below the radar,” explained the founder of Alex Miller Credit Repair. “Having bad credit is not a permanent state and can be fixed.”

As someone who went from being broke and depressed to the head of a multi-million-dollar company, Miller not only talks the talk but he has walked the walk. He has now made it his mission in life to help others who have sunk into the quicksand of negative equity.

Miller explained, “In this day of soaring living costs and financial uncertainty, going from having good credit to bad credit can happen to us all. It’s nothing to feel guilty about. What you need to bear in mind is: although credit score providers like to keep the exact algorithms of how your credit score is calculated a secret to prevent your score being manipulated, we are not completely in the dark about the mathematics involved.”

In essence, a credit score is a measure of how trustworthy you are. Lenders cannot get to know everyone on an individual basis and so rely on providers such as FICO and Experian to supply them with up-to-date information on whether you are reliable or a risk.

Miller said, “If borrowers could manipulate credit scores it would make the system worthless, but the maths behind positive and negative accounts is pretty simple. A credit score revolves around five factors—your personal debt, payment history, credit history, types of credit, and recent credit. Each category interacts and presents borrowers with an impression of your overall creditworthiness.”

Miller explained, “For example, your payment history is the most important category and you need to keep on top of that to keep your score in good standing order. Nothing says ‘unreliable’ more than a missed payment. Your personal debt is used to see if you are an overextended and risky borrower, and your credit history is an indication of how good or bad you are at managing credit.

Miller added, “Types of credit shows the potential borrower what sort of credit you have had in the past, such as mortgages, credit cards, etc. As a rule of thumb, the more varied your credit, the more positive your account. And finally, recent credit will often cause your credit score to dip slightly as lenders wait to see how well you manage the new account, but if you manage it wisely it will pay dividends to your overall credit score in the long run.”

By paying close attention to all five factors, Miller stresses that a negative account can soon be transformed into a positive account.

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Intel has Optimized 500 Artificial Intelligence Models for Core Ultra Processors

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“An important milestone has been reached in Intel’s efforts to establish itself as the leading chip supplier for AI PCs: the company announced that over 500 AI models have been optimized for its Core Ultra processors.”

The AI models, according to the Santa Clara, California-based company, cover “more than 20 categories of AI, including large language, diffusion, super resolution, object detection, and computer vision,” as of Wednesday. These models are available from industry partners Hugging Face, PyTorch, ONNX Model Zoo, and OpenVINO Model Zoo.

These include Google’s Bert natural language understanding model, Microsoft’s Phi-2 small language model, Meta’s Llama large language model, OpenAI’s Whisper speech recognition model, Stability AI’s Stable Diffusion 1.5 text-to-image generation model, and the Mistral language model.

Models “form the backbone of AI-enhanced software features like object removal, image super resolution, or text summarization,” according to Intel, which highlights the significance of its optimization work. It further stated that the models are compatible with the Core Ultra’s neural processing unit (NPU), GPU, and CPU.

According to the company, “the breadth of user-facing AI features that can be brought to market and the number of enabled/optimized models are directly correlated.” It is impossible to design a feature without a model. The feature cannot operate at its peak efficiency without runtime optimization.

The semiconductor giant is in an arms race with rivals AMD and Qualcomm to not only provide the best processors for AI PCs but also to enable compelling software experiences with the goal of creating greater demand for their respective products.

Along with the AI model optimization project, Intel has been developing over 300 AI-powered features for PCs with Core Ultra processors in collaboration with more than 100 independent software vendors (ISVs). In December, the company released its Core Ultra lineup; this is being done as part of its AI PC Acceleration Program, which was started a few months prior.

The company stated that the work it has done to establish AI PCs as a new device category and the investments it has made in client AI processing, framework optimizations, AI tools like OpenVINO, and other related areas have made its software enablement work possible.

Robert Hallock, vice president and general manager of AI and technical marketing in Intel’s Client Computing Group, said in a statement, “This unmatched selection reflects our commitment to building not only the PC industry’s most robust toolchain for AI developers, but a rock-solid foundation AI software users can implicitly trust.”

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Conduent and Microsoft Collaborate to Use AI to Increase Business Efficiency

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AI-Powered Strategic Alliance for Improved Business Operations

Conduent, a provider of business services, recently announced a strategic partnership with Microsoft. The purpose of this partnership is to lead the way in generative artificial intelligence (AI) applications in important industries. The partnership’s primary goals are to use AI to transform healthcare administration, improve customer support, and strengthen fraud detection systems.

Boosting Cloud-Based Secure AI Adoption

Conduent’s clients will be able to take advantage of a secure cloud environment at a faster rate thanks to the synergy between Conduent and Microsoft. Three generative AI pilot programs are presently being developed by the alliance, one of which aims to efficiently extract data from medical documents. The goal of this project is to use Microsoft’s Azure AI Document Intelligence and Azure OpenAI Service to expedite the resolution process.

AI’s Strong Effect on the Growth of Small Businesses

The applications of AI go beyond the healthcare sector and include small businesses, where AI is thought to be a growth accelerator. AI has many uses, from enhancing customer service to automating marketing campaigns to expand its market reach. Particularly tailored AI solutions are being developed for small businesses, taking into account their unique resource limitations, making advanced AI tools more accessible to them.

Businesses with limited resources can now benefit from AI models developed by companies like Microsoft, which has garnered attention and given them a competitive advantage in the market. Supporters of these scaled models emphasize how easy it is to integrate, how affordable, and how little data these models require—all of which are advantageous for most companies that handle large volumes of sensitive data.

Conduent and Microsoft’s partnership is a big step toward bringing artificial intelligence (AI) into conventional business models, optimizing workflows, and establishing new benchmarks for customer and client interaction.

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A positive mindset, steering positive financial change, meet Oz Clement Knight

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Oz Clement Knight pushes boundaries as a top financial educator and entrepreneur, inspiring lives worldwide.

It is sometimes not just about feeling passionate about working in a particular field; it is more than that for a few rare professionals and business owners who strive for excellence daily, besides feeling passionate about all they choose to lay their hands on. When we saw the rise of Oz Clement Knight, who has been in the financial sector for several decades, we understood how a person needs to surrender to his aspirations and goals in life to push boundaries and steer positive change.

Oz Clement Knight is all about this and beyond. At every step in his journey, he has proved why he deserves to be called a leader in the financial realm, for he has stayed committed to taking his clients to the financial success they wish to achieve and, in the process, has reached the forefront of the industry.

He has been pioneering financial success for others through two incredible ventures, namely OHL Ventures Fund LLC and Ozmarq Holdings Ltd. The former is a Delaware series limited liability company to make venture capital and growth equity investments in diverse leading seed stage, early stage, and developmental stage and later stage private companies, with companies engaged in social media, social media, life sciences, and clean tech businesses. Through the fund, he promises to create returns for investors by helping them identify and invest in potential leading-edge companies that can later provide them with massive returns.

The latter serves as the Manager of the fund that will establish a series of funds for purchasing securities of a portfolio company/companies from a secondary source, making a separate and distinctive investment directly in a portfolio company/companies, and/or investing in the interests of investment funds, special purpose vehicles, or other entities whose portfolios consist of one or more portfolio companies.

With his years of experience and knowledge in private wealth management, investment banking, and capital markets, the financial educator, who loves spreading his knowledge among others, especially the youngsters in the field, has ensured that he offers financial services that cater to the individual needs of his clients, eventually empowering them to navigate the varied financial complexities in their journey to reach financial success.

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