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AI-900 Microsoft Azure AI Fundamentals

EXAM NUMBER : AI-900 EXAM NAME : Microsoft Azure AI Fundamentals Prove that you can describe the following: AI workloads and considerations; fundamental principles of machine learning on Azure; features of computer vision workloads on Azure; features of Natural Language Processing (NLP) workloads on Azure; and features of conversational AI workloads on Azure.

Candidates for the Azure AI Fundamentals certification should have foundational knowledge of machine learning (ML) and artificial intelligence (AI) concepts and related Microsoft Azure services.

This certification is an opportunity to demonstrate knowledge of common ML and AI workloads and how to implement them on Azure.
This certification is intended for candidates with both technical and non-technical backgrounds. Data science and software engineering experience are not required; however, some general programming knowledge or experience would be beneficial.

Azure AI Fundamentals can be used to prepare for other Azure role-based certifications like Azure Data Scientist Associate or Azure AI Engineer Associate, but it’s not a prerequisite for any of them.

Describe AI workloads and considerations
Describe fundamental principles of machine learning on Azure
Describe features of computer vision workloads on Azure
Describe features of Natural Language Processing (NLP) workloads on Azure
Describe features of conversational AI workloads on Azure

Module 1: Introduction to AI
In this module, you'll learn about common uses of artificial intelligence (AI), and the different types of workload associated with AI. You'll then explore considerations and principles for responsible AI development.

Artificial Intelligence in Azure
Responsible AI
After completing this module you will be able to:

Describe Artificial Intelligence workloads and considerations
Module 2: Machine Learning
Machine learning is the foundation for modern AI solutions. In this module, you'll learn about some fundamental machine learning concepts, and how to use the Azure Machine Learning service to create and publish machine learning models.

Introduction to Machine Learning
Azure Machine Learning
After completing this module you will be able to:

Describe fundamental principles of machine learning on Azure
Module 3: Computer Vision
Computer vision is a the area of AI that deals with understanding the world visually, through images, video files, and cameras. In this module you'll explore multiple computer vision techniques and services.

Computer Vision Concepts
Computer Vision in Azure
After completing this module you will be able to:

Describe features of computer vision workloads on Azure
Module 4: Natural Language Processing
This module describes scenarios for AI solutions that can process written and spoken language. You'll learn about Azure services that can be used to build solutions that analyze text, recognize and synthesize speech, translate between languages, and interpret commands.

After completing this module you will be able to:

Describe features of Natural Language Processing (NLP) workloads on Azure
Module 5: Conversational AI
Conversational AI enables users to engage in a dialog with an AI agent, or bot, through communication channels such as email, webchat interfaces, social media, and others. This module describes some basic principles for working with bots and gives you an opportunity to create a bot that can respond intelligently to user questions.

Conversational AI Concepts
Conversational AI in Azure
After completing this module you will be able to:

Describe features of conversational AI workloads on Azure

Microsoft Azure AI Fundamentals
Microsoft Fundamentals questions
Killexams : Microsoft Fundamentals questions - BingNews Search results Killexams : Microsoft Fundamentals questions - BingNews Killexams : Apple vs. Microsoft vs. Amazon: Which Tech Stock Is The Best Value? No result found, try new keyword!But which of the three is the best-value play: Apple, Microsoft, or Amazon? We look at the fundamentals and reach our conclusion ... a lower-risk play? These are good questions. Use the Twitter poll ... Wed, 08 Feb 2023 01:01:00 -0600 text/html Killexams : Where are your fundamentals?

ABOUT 10 years ago, I helped a young woman from the barrio relocate from a tech job in the US Midwest to a tech job at Silicon Valley, one of the technology giants with campuses in that sprawl of Northern California. She knew I hated traveling and leaving my farm work to others, but her lure was hard to ignore. "Old man, here is your chance to witness the post-First World employment order first-hand. You can't eternally write about post-First World jobs from a vacuum."

That was 10 years or so ago, before the self-immolation of Elon Musk, the jobs bloodbath at the Valley, the drop in the market caps of the tech giants and ChatGPT.

Indeed, with her "blue pass," everything from food to laundry to bus rides was free 24/7. In the open space where she worked, the pantry had coffee blends from Sumatra to Peru. The freezer was fully stocked with Haagen Dazs,

Ben and Jerry and a dozen other ice cream brands. A huge pile of food containers was in a corner as take-outs were encouraged. During the relocation period, she and her French American husband stayed at a hotel-like building where newly hired workers can stay for a full month (rent-free) while scouting for permanent housing. Immigrants like her who came on H1-B visas were even encouraged to bring their visiting next of kin into the campus for tours — and partake of the freebies.

Still, some things I witnessed in the general environment of Silicon Valley did not sit well with my deeply ingrained sense of country. First and foremost, the bumper stickers of the pricey European cars (the dominance of Teslas was to come later in these campuses ) that tooled in and out of the Valley The bumper stickers carried the names of famous engineering and tech schools in the US and... IIT. IIT Madras, IIT Bangalore, IIT Delhi, IIT Bombay, IIT ad infinitum.

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No bumper stickers saying " UP" or "Ateneo" or "De La Salle" or "UST." Not a single one. During the few days that I was there, the foreign universities represented in the bumper stickers were the many campuses of the Indian Institute of Technology spread across the vastness of India. The creation of an excellent technology and engineering-oriented school for young Indians meant to supply India and the rest of the world with tech and engineering talent was the idea of an unapologetic socialist, Jawaharlal Nehru, and that led to the creation of IIT.

The immense pool of Indian tech talents turned out by an excellent university system is the main driving force behind these:

– At least 15 corporations in the S&P 500 are led by Indian-born CEOs. India-born CFOs, CTOs and CIOs in the same corporate giants are dime a dozen.

– The pool of talents is partly the reason why India toppled Britain from being the 5th largest economy in the world this year.

The former colony bumping off the colonizer, and more, the current prime minister is the son of Indian immigrants.

– In the reconfiguration of the global supply chain that involves companies moving their assembly/manufacturing sites out of China into other locales because of Covid concerns and geopolitical reasons, one of the top five countries of choice for those relocating is India. The movement out of China into India would mean lots and lots of fresh investments via new factory/assembly sites and the complementary job creation. This is on top of India's sustained run as the destination of substantial foreign direct investments.

– Cornering a substantial chunk of FDI year after year.

Which has been the elusive dream of a succession of Philippine governments, that reached fever peak during the Duterte administration. Which is also the highest dream of the administration of President Marcos Jr.

The lesson from India's limitless pool of highly-educated, highly skilled nomads is this. We are taking the wrong approaches on investment attraction and generation, the Philippines' policy priority.

Our core strategies center on the following. First, we announce to all and sundry that we are open for business. We do plenty of shout-outs to the world at large centered on the thesis that this is a country that warmly welcomes investments.

Second, we do it via legislation and executive fiats. During the Duterte administration, the House of Representatives even passed a draft law that voids all the equity provisions in the Constitution to ensure 100 percent foreign ownership even in patrimonial economic sectors, clearly an illegal and irresponsible move. Some of the core institutions of the polity even assault the Constitution just to proclaim the openness of the country to foreign investments. There is an ongoing Cha-cha hearing by a Congress that has never learned.

We also passed a law on sweeping corporate tax cuts amid diminishing revenue just to attract fresh investments.

In a few years, the corporate tax rate will hit a bottom 20 percent.

The problem is all these legislative and executive efforts never work. Investors will always ask this question: Where are your fundamentals?

The fundamentals that investors require before putting in their investment money have been spelled out clearly by Treasury Secretary Janet Yellen in talks before finance ministers of the G7 and OECD economies. Legislating investment attraction was not one of them. In fact, Secretary Yellen has railed against the use of massive corporate tax cuts as part of a country's investment attraction strategies. She calls corporate tax cuts via legislation as a "race to the bottom."

According to Yellen, these are the fundamentals sought by investors:

First, good governance; second, a skilled workforce; and third, a culture of innovation.

By fulfilling the second and third requirements through a massive pool of skilled workers trained at the IIT and elsewhere, India has shown the way in these two critical areas. Exporting tech talents that have scaled CEO, CFO, CIO and CTO level. Alphabet and Microsoft are led by Indian-born talent, so was Twitter before Elon Musk's acquisition. Then building cutting-edge tech centers within India itself that has been attracting foreign investments. All the fruits of a good educational system and training world-class tech and engineering talen.

The dear lesson here is this. We can't generate FDI on a massive scale by legislation that says we are open for business.

Or legislation that offers corporate tax cuts. Or, saying over and over again that the Philippines is an investment-friendly country and there is an entire body of laws and rules that say so.

The first step, if we are really serious about attracting investors is this: Excellerate the educational system dramatically.

This will yield a substantial pool of skilled and tech/ engineering-savvy workers. This will eventually lead to a deeply ingrained culture of innovation.

Fulfill these and we won't even need a show horse called Maharlika Investment Fund. We won't even need to network at Davos.

I will paraphrase something from the movie " Field of Dreams." Build an impressive educational system and develop a culture of innovation and the investors will come.

Sat, 11 Feb 2023 10:00:00 -0600 en text/html
Killexams : How Microsoft’s OpenAI-powered Bing could change the way world searches for information

“It’s a new day in search,” Microsoft CEO Satya Nadella said Tuesday during an event at the company headquarters in Redmond, Washington. “The race starts today… we’re going to move fast.” Those words coming from one of the most powerful executives in Silicon Valley mirror what Steve Jobs said when he unveiled the iPhone in 2007. “Today, Apple is going to reinvent the phone, and here it is.” Though made at different points of time in different contexts, both highlight the imminent change they usher in the fundamentals of tech. Microsoft’s recent announcement incorporating OpenAI’s ChatGPT into Bing search and Edge browser is being hailed as a disruptor moment, like the world has not seen since the arrival of the iPhone sixteen years ago. If the gamble pays off, it could change the way we search the web, giving users information in a condensed form based on multiple sources instead of visiting individual websites. What search like today looks will become a thing of the past.

Searching the web will be a completely different experience

Microsoft is trying to reinvent search with the help of OpenAI, the generative AI behind the sensational ChatGPT AI chatbot which has amassed 100 million users in just two months of its launch. If you go to Google, which currently dominates the search market both on desktop and mobile, you input a search, scroll through results, and get onto a website. Although visually the search results may look different from two decades back and a lot faster, the core idea hasn’t changed a bit even though a user’s search behaviour is drastically different now.

However, Redmond is thinking beyond conventional search. It wants to take advantage of generative AI to supply a human-like response when a user types a query using its Bing search engine which is being fired up using a next-generation “large-engine” model that will be more powerful than ChatGPT.

In most basic terms, ChatGPT is a conversational AI-powered chatbot designed to answer questions and respond to queries in a text form that sounds more natural and human. For example, if you are looking for the recipe for a caramel cake, the Bing search engine will provide you with a complete recipe when compared to Google, where you just get a list of cooking recipe websites most of which seem to cash in on repetitive keywords with very little to do with the actual information. The former takes away the need to search further, to find the right link that answers your query. The conversational AI response will invariably be the best result. Microsoft’s promise with Bing and the Edge browser will soon be to offer the next chapter in search: more conversational and information that is to the point, making the internet itself more human in the process.

Taking cues from Reels, short-form videos

The AI-fused Bing is a departure from how traditional search is done. Google works by crawling billions of Web pages, indexing that content, and then ranking it in order of the most relevant answers, essentially listing out the links to click through. Bing offers something deeper: a single answer based on its own search similar to the way ChatGPT does, this will get prominence over the traditional lists. In a way, the refreshed Bing is a reflection of changing consumer behaviour towards bite-sized content as users’ attention spans get shorter. Users don’t have time on their hands to scroll through zillions of websites to get the right information. When users come to the internet to find a particular solution to a query, they look for snappy responses but in a condensed form, like how a short-form video appears on TikTok, Reels, or YouTube. If someone searches for iPhone 14, why keep that user busy by showing an infinite number of reviews with varied opinions, links to news, pop-up ads of iPhones from online retailers, and whatnot? Why not provide users with information that simplifies the buying process by providing a summary of reviews? This would be a more straightforward way to tell someone what they are looking for on the web.

The direction search is moving in — even Google has announced Bard, a conversation AI assistant for its search — clearly signals a shift in this direction.

AI chatbots could be a problem for publishers, websites

AI chatbots such as ChatGPT might be good at answering information searches and making summaries of the information already available on the web, but they could pose a problem for those who are behind the content – news publishers, websites, and blogs. If Bing answers your queries about “How to fix a leaky tap”, then who would come to read an article on a website that has done a detailed how-to on fixing a dripping tap with pictures? This paints a negative picture for news websites that write detailed stories and do in-depth stories on various topics. If the information is available in short summaries via Bing and ChatGPT-like AI bots, then it automatically takes page reviews that news websites thrive on. It might also negatively affect their search ranking and eventually hit advertising revenues in the long run, leaving them with no option but to put a majority of content behind the paywall.

Not the end of traditional search, just yet

During Tuesday’s press event, Microsoft CEO Satya Nadella was quick to compare AI to a “Mosaic moment,” which introduced the web to the world. But there are still questions on whether AI chatbots like ChatGPT can replace traditional search. Bing carries a disclaimer warning users to look for sources and do a fact-check next to the results. AI experts have cautioned that these AI chatbots can offer information that is not accurate as seen in the case of ChatGPT. In fact, on Wednesday, after the first results thrown by Bard at Google’s AI live demo turned out to be inaccurate, Alphabet lost over $100 billion in stock value. Yes, reliability is still a problem with AI bots and until that gets solved, they cannot fully replace the tried and tested conventional search.

Thu, 09 Feb 2023 15:15:00 -0600 en text/html
Killexams : Managing Risk in Private Foundations: Compliance Fundamentals

Private foundations offer a robust philanthropic toolkit and are the gold standard for helping families build lasting legacies – but they can be tricky for donors to administer on their own without clear guidance. Join this session with Foundation Source’s Chief Legal Officer Jeffrey Haskell for important insights on the substantive rules that govern private foundations. Learn what activities are permissible, which require advance IRS approval and the most common trouble spots to help your clients steer clear of compliance issues and penalties.

Some of the subjects covered will include: 

  • Employing a family member
  • Making scholarship and hardship or disaster relief grants
  • Transactions between a foundation and its insiders
  • Guidelines for avoiding jeopardizing investments

CFP, CIMA®, CPWA®, CIMC®, RMA®, and AEP® CE Credits have been applied for and are pending approval.

Sponsored by

Jeffrey D. Haskell, J.D., L.L.M.
Chief Legal Officer
Foundation Source

Susan Lipp - Moderator
Editor in Chief
Trusts & Estates

Fri, 17 Feb 2023 04:06:00 -0600 en text/html
Killexams : AI Supercharges Battle Of Web Search Titans
AI could change the way search engines answer questions AFP

A new generation of AI chatbots has unleashed a titanic battle between Microsoft and Google for the eyeballs of billions of web users, and the dollars they bring.

Microsoft has gone all-in with a multibillion-dollar investment in OpenAI, the firm behind the world's most buzzy bot ChatGPT, hoping to revolutionise its unloved Bing search engine.

Google has owned the search market for two decades and is not ceding any ground -- it hit back this week with an in-house bot of its own, called Bard.

And the AI gold rush is not limited to Silicon Valley search giants, Chinese firm Baidu announcing its own bot this week.

But what exactly is the fight about?

Big tech firms have spent years ripping unimaginable amounts of data from the internet and churning it into so-called large language models that they use to train algorithms.

This is how voice recognition tools like Amazon's Alexa, Apple's Siri or Google Assistant work.

Google and Facebook owner Meta have poured their efforts into tools that can translate hundreds of languages, screen for harmful content, or target users with personalised ads.

Yet the fundamentals of search have remained largely unchanged.

You punch a few words into Google and it spits back a mix of useful links and often less useful ads.

But if AI has its way, these familiar pages of blue links could soon be just another dusty corner of internet history.

"A tool like ChatGPT can create search engines that supply a structured answer to questions instead of simply a list of documents like Google does at the moment," said Thierry Poibeau of French research institute CNRS.

What that means in practice is that future search engines will not produce lists of links -- instead they will supply the user coherent and full answers using multiple sources.

Neeva, a search engine that markets itself as privacy friendly, is already pushing this kind of experience.

Neeva founder Sridhar Ramaswamy, a former Google executive, told AFP that smaller companies were much better placed to innovate.

"We use large language models to look at all of the pages that are going to result for a query and show you a summary, and then show you a very rich visual experience," he said.

Like many analysts, Ramaswamy was highly critical of his former firm's obsession with ads, which he claimed was ruining the experience of users.

Industry analyst Rob Enderle said Google's search business risked being torpedoed by innovations in AI.

"Google still largely lives off the fact their search engine is the most widely used," he said.

But these changes could "relegate them to history".

However, there is still a long way to go before AI chatbots successfully wed themselves to search engines.

"Tools like chatGPT provide the illusion of an all-knowing being answering your questions, but that's not true," said Claude de Loupy of French AI text firm Syllabs.

Social media is overflowing with comical examples of ChatGPT's failings, not least its lack of ability in basic maths.

It has also been accused of bias after it refused to generate a poem praising Donald Trump but was more than happy to pen a paean to his successor as US president, Joe Biden.

There are questions about the sources the bots are trained on, the people who are employed in often terrible conditions to program them, copyright issues around pictures and the ultimate question of how firms will monetise their new toys.

However, OpenAI has largely managed to clear up one vital aspect that has plagued such bots -- it is very difficult to get ChatGPT to say offensive things.

Microsoft got burnt in 2016 when its teenage AI chatbot Tay was immediately jumped on by Twitter users who got it to spout racist comments.

Meta was similarly embarrassed last year when it launched an AI tool called Galactica.

It was intended to help academics to write papers but had to be withdrawn after it invented citations and could be asked to write racist tracts.

Mon, 06 Feb 2023 23:15:00 -0600 Joseph BOYLE and Laurence Benhamou en-US text/html
Killexams : Amgen Nearing Buy Point With Great Dividend and Fundamentals

Amgen Inc. AMGN is right near the bottom of a more than 6-year trend channel

That presents a potentially good buy point. The stock also has a long history of strong fundamentals. Therefore, this could be a trade that lasts two to six months, or it could be a long-term hold. 

The AMGN Entry Point

When AMGN bottomed in 2019, 2020, 2021, and 2022 the price made a low, bounced slightly, and then dropped to a slightly lower low. The rallies commenced after that.

In 2023 the price has made low near the prior established trendline. It has bounced slightly and now the wait begins to see if the price will make a slightly lower low again before commencing its rally back toward the top of the channel. 

(right click on the image, and select "Open image in new tab" to see the full-size version) 

Chart source: TradingView

The recent drop from the November peaks is 20%. Prior drops during this trend channel have been 21% to 28%. 

Wait to see if the price drops back below the Feb. 2 low of $236.37. If it does, and then rallies back up, consider a long trade if the price moves back above $244.50.

Even if the price doesn't make a new low, a rally above $244.50 could provide a good entry point, with a stop loss approximately 7% below. This gives the trade some room, but also limits risk in the event the price continues lower.

The AMGN Price Target

Prior rallies off the low of the channel have run 30% or more. Therefore, a target between $318 and $320 is 30% above the $244.50 entry.

The target, which is based on the historical pattern of the stock, also provides a nice reward/risk ratio. 30% upside versus 7% downside. 

There is also the option to hold this stock for the longer-term. The reasons for that are discussed next.

AMGN Fundamentals

Amgen has a strong fundamental history. Here are some summary points to consider.

  • 35% yearly earnings per share (EPS) growth over the last five years. On the downside, that is expected to slow to 4.1% yearly growth over the next five. 
  • AMGN has a dividend yield of 3.6%. It has increased the dividend every year for over 15 years. The dividend amount has increased an average of 10% per year over the last five years.
  • It is one of the more stable stocks in the US market. Its biggest decline over the last decade is less than 30%. More than half of S&P 500 stocks have dropped at least 50%.
  • The stock outperforms the S&P 500. AMGN had an annualized yearly return of 13.9% vs 12.6% for the SPDR S&P 500 Trust SPY over the last decade.

With a steadily growing dividend and EPS growth, historically smaller declines than most stocks, and strong long-term performance, this is a decent stock to also consider parking in the portfolio for the long term.


Disclaimer: The author has no current positions, but may initiate a position over the coming weeks if the conditions discussed materialize.

© 2023 Benzinga does not provide investment advice. All rights reserved.

Wed, 15 Feb 2023 16:24:00 -0600 en text/html
Killexams : Altria: Stock Chart And Fundamentals Suggest It Is Currently Undervalued
Philip Morris Changes Name To Altria

Mario Tama


Altria (NYSE:MO) is a well-established company in the tobacco industry with a long history of growth and resilience. The company recently released its Q4 2022 earnings report, with earnings per share coming in at $1.18, beating

Graph of MO with its average and standard 15 P/E

Stock chart of MO with its 50 and 200 moving average

Mon, 13 Feb 2023 23:36:00 -0600 en text/html
Killexams : Avalanche (AVAX) price is up, but do fundamentals support the rally?

Avalanche (AVAX) witnessed a meteoric start to 2023, gaining 98% in 30 days, and traders are now curious about whether the rally will extend throughout February. AVAX’s year-to-date gains for 2023 have outpaced those of Bitcoin (BTC) and Ether (ETH).

Recent reasons for AVAX’s rally can be attributed to an Amazon partnership announcement on Jan. 11. The partnership is meant to easily deploy nodes on the Avalanche blockchain with Amazon Web Services (AWS). Ava Labs, which supports the Avalanche ecosystem, hopes the partnership increases blockchain usage for enterprises and governments.

While AVAX price has benefited from the news, some analysts predict that the move could have been a bull trap.

Let’s dig into the fundamentals to see if on-chain network activity supports the recent AVAX rally.

AVAX fees from DeFi are up

After the AWS news, AVAX price was not the only metric seeing a quick rise. On Jan. 14, Avalanche network hit a year-to-date high of $31,218 AVAX fees received. The increase in fees compared to the previous 30 days is 59%, signaling that positive price appreciation helped boost the fees that the network received.

Avalanche network fees and AVAX price. Source: TokenTerminal

While the Avalanche fee base is increasing, it still lags behind top EVM-compatible blockchains like Ethereum, Binance Chain (BNB), Optimism (OP) and Polygon (MATIC). Over the past 30 days, the fees Avalanche has generated rank 9th out of all blockchains.

Top blockchains sorted by fees. Source: TokenTerminal

Notably, layer-2 competitor Polygon earned close to four times the amount of fees compared to Avalanche. Even with the astounding growth thaAvalanche has experienced in 2023, the network will need to substantially increase fees to overtake more blockchains.

Active addresses and users are down

A sign of blockchain health is the number of active addresses, users and transactions. Despite reaching a year-to-date high on Jan. 18 of 1.84 million transactions, Avalanche’s transaction count is trending down.

A similar downtrend is witnessed when looking at active addresses in the Avalanche ecosystem. Active addresses denote transactions taking playing on unique wallets for a given day. After reaching a year-to-date peak of 54,978 active addresses on Jan. 31, only 34,624 active addresses were registered the following day.

Active addresses and transactions. Source: Avalanche

The downtrend in Avalanche activity is creating further separation between other blockchains. According to TokenTerminal, Avalanche’s all-time high (ATH) number of daily active users is 131,000, which is dwarfed by Polygon’s ATH of 737,000. Avalanche is now far from its all-time high of daily users, registering only 44,000.

Blockchains sorted by daily active users, Source: TokenTerminal

For blockchains to create sustainable fees, there needs to be daily active users participating on the network.

AAVE dominates Avalanche DApps

The active users on Avalanche seem to have a preference for using Aave (AAVE) on the AVAX blockchain. Over 36% of all Avalanche transactions flow through the Aave protocol. Investors have staked over $353 million on Aave’s Avalanche version, far surpassing the second-most popular protocol by Tested total locked value (TVL), the Trader Joe decentralized exchange (DEX).

Top Avalanche DApps. Source: DefiLlama

While Aave and Trader Joe are leading the Avalanche blockchain, when looking at DEX activity on other blockchains, they witness far less trading volume. DEX volume directly correlates to the fees that a protocol receives.

Ethereum DEX activity leads the way with over $1.6 billion in daily volume, whereas Avalance only sees around $104 million.

DEX activity by blockchain. Source: DefiLlama

While Avalanche is currently witnessing immense growth from the AWS announcement, the blockchain is still small compared to competitors. The goal of the AWS partnership was to help increase network activity by reducing barriers to entry. Reaching the goal may increase Avalanche adoption but other ecosystems seem to be out to a large and early lead.