Brains behind the Computer Software that is in every part of our lives. And in the medical field, it is saving lives. As meg terrell reports in this weeks cover story, computers are smarter and faster, but sometimes it takes a person to come up with the really big idea. Reporter mit professor teaches computers how to learn. Her work focused on areas like translation of ancient languages, until a Breast Cancer diagnosis three years ago. Going through it, i realized that today we have more Sophisticated Technology than to shop our shoes on amazon, to adjust treatments. So she set out to change that, using her expertise in Artificial Intelligence and machine learning. In collaboration with doctors at mass general hospital, her group is Training Computers to analyze mammograms. The hope, detect signs of cancer earlier than the human eye is capable of. Looking back, there was clearly no tumor on the previous memos, but was there something in this very complex images that would hint us that, you know, its a development. For a human looks at it, it is very hard to quantify the change. But for a machine that may look at millions of these images, people like me, this should really help them to learn what others are seeing. Reporter experts say Artificial Intelligence will change the practice of medicine, starting with diagnosis. Andy beck found a top ai a year ago after winning a competition to teach computers to diagnosis Breast Cancer from digital images. Over time, their system became so smart, its accuracy surpassed that of an expertly trained pathologist. They see the biggest potential in teaming up computers and doctors. The combination of human plus ai, in this example, reduced the experts error rate by 85 . Regena hasnt given up her focus, only now hes Teaching Computers to read health records. The goal, to incorporate all the Data Collected on patients to make more personalized treatment decisions and improve the practice of medicine. Now after being a patient, i really very strongly feel that, you know, its up to you to go and change it. While some people talk about a future where Artificial Intelligence replaces doctors, most see it more as a tool to help them do their jobs better. Meg, thank you very much. Meg terrell. Of course, health care is just one arena where Artificial Intelligence is getting smarter. April covers technology. Thanks for being here. Thanks so much for having me. What is Artificial Intelligence. How would you characterize it . You can think of it as software. A Computer Program that does something automatically. So if something has Artificial Intelligence in it, that means it has software if it that allows the Computer Program to do something on its own without a human pressing a button the entire time. And the story we just heard, they talked about how amazon can predict shoes you might want to buy and netflix can suggest a movie you might enjoy, but how can these programs anticipate behavior and can you think of other areas these algorithms might be used in next . Theyre able to participate behavior by drawing on your past behavior. They require a tremendous amount of data that they process, these software algorithms, in order to determine what you might want next. So if you typically go for a romantic comedies, its going to suggest a romantic comedy next, based on your behavior. But theres all sorts of ways that these types of predictive alg ruorithms can and have alre creeped into our lives. Are these machines getting smarter or are they doing things beyond having a big catalog . Well, they are getting smarter, because the more data you feed it, the more refined the results will become. You know, apples got siri and there are devices like amazons alexa, google has the home. All of them respond to your voice. You can ask them questions, but these devices are listening to you all the time. Whos hearing you and whats going to happen to that . They only start listening when you say a wake word like alexia or okay google for the google home device. But once you say that, it is listening and sending that information back to the servers at that he company. And theyre supposed to be holding it securely and they say they are, but there are people whose name is alexa, right . So it could inadvertently start collecting in effect then. And of course, there is the possibility that once this information is collected, that it could be subpoenaed. Do you think this is a real threat . Can computers get too smart and get ahead of the programmers, or are we a long way from rise of the machines . People kind of talk about how Artificial Intelligence will get too smart and take over the world, but the truth is that its pretty dominant, it already kind of has. It already is everywhere, right . And its not that its i wouldnt see it a as a threat, necessarily, but you know, Artificial Intelligence programs do know more than you or i do, often, particularly, when it comes to specific areas. But it does start to raise the question, is there any job or any industry that is safe from job losses . I know that these are seen as tools in some places, but arent they going to take over some peoples jobs . Yes, and they already have. Think of like a travel agent. We dont really use travel agents anymore, and thats because we use software that can find cheap flights for us. But there are some things that software will just never be able to do. Things that require a tremendous ament of human empathy, like caring for the elderly, not just helping them pick up things. We might get robots that are able to fetch a glass of water one day, but when it comes to say, teaching kids, of course, we have software and Computer Programs that can help kids learn, but that requires a certain level of human empathy that computers just wont be able to replace. April, thank you so much for your tim now heres a look at whats making news as we head into a new week on the money. Americas economy created more jobs last month than expected. 222,000 new workers were added to the rolls in june. That was well above expectations. The unemployment rate, which is conducted in a separate survey, inched up to 4. 4 . That is still very low by historical standards. All that news sent markets higher in early trading on friday, after a very choppy holiday shortened week. Stocks in part falling oil prices. The markets closed higher on friday. The rate of growth in the Service Sector of the u. S. Economy is accelerating. The institute for supply management measures the strength of that sector. June had reading of 56. 9, which is ahead of expectations. Anything above a 50 reading shows expansion. And qvc has gone on a little shopping spree. Liberty interactive, which owns qvc, is buying all of its rival, the Home Shopping network, for about 2 billion. Both channels will remain as individual brands, but youll probably see some crosspromotion on each. If youre shopping for a new job, theres one field that wont get lost in translation. There is a big need for interpreters as the world is increasingly globalized. The job is fastpaced and challenging, and as kate rogers reports, the United Nationses is just one of the places where those skills can be put to work. Reporter several years ago, giai alberdon was working as a translator in a Peace Keeping mission in lebanon. Today shes putting her skills to use at the United Nations, translating documents from english and french into her native arabic. Shes also working on her spanish, taking classes twice a week. Ever since i was in school, i was fascinated with Foreign Languages and cultures. So, it was in high school when i decided that i wanted to do this. Reporter positions at the u. N. Are highly coveted and translators work on tight deadlines. The United Nations is a Political Organization dealing with of sensitive issues and the Member States demand the best from the translators. And we cannot afford the second quality. Reporter but the payoff is getting to be a part of something greater than just ones own career. I think the best part of the job is the multicultural environment. We come from different cultures, backgrounds, genders, and age groups. And i think this is enriching on the professional and the interpersonal level. Reporter each year, thousands of people apply to take the language exam here at the u. N. To become translators, editors, and verbatim reporters, but only several hundred people actually make the cut. Salaries can range from about 60,000 a year all the way up into the sixfigure range, depending on your role, and there are a ton of opportunities for advancement here at the u. N. , becky, because each year, they workload just gets greater and greater. Kate, thank you so much. Kate rogers. Up next, we are on the money. If you own a house, you might be leaving money on the table. What more than 5 Million People arent doing. And later, when you switch jobs, the one thing you should not leave behind. Right now, lets take a look at how the stock market ended the week. If you have afib not caused by a heart valve problem, and youre taking warfarin, you have the choice of a different kind of blood thinner. Pradaxa helps stop blood cells from pooling in the heart, forming a clot which can cause a stroke in the brain. In a clinical study, pradaxa was better than warfarin at reducing stroke risk. And in the rare case of an emergency situation, when seconds matter, theres the only fdaapproved reversal treatment made for people taking pradaxa that helps you clot normally again. Dont take pradaxa if youve had a heart valve replacement or have abnormal bleeding. Dont stop taking pradaxa without talking to your doctor, as stopping increases your risk of stroke or blood clots. Tell your doctor before any planned medical or dental procedure, or before stopping pradaxa. Pradaxa can cause serious, but rarely fatal bleeding. Seek immediate medical help with signs of bleeding, like unusual bruising. Pradaxa may increase your bleeding risk if youre 75 or older, have kidney problems, stomach ulcers, a bleeding condition, or take certain medicines. Side effects can include indigestion, stomach pain, upset or burning. Ask your doctor about pradaxa and its reversal treatment available nationwide. Low Mortgage Rates and rising home values are a perfect combination for homeowners who are looking to save some cash on their monthly mortgage payments. But millions of people arent biting. Diana olick explains why. Reporter matthew bueller had plenty of equity in his boca raton home, but didnt decide to ea refinance his mortgage until he absolutely had to. We were out looking at new and resell construction and the pricing that we were running into just didnt financially make sense for our family. Reporter home prices were so high that he decided to stay in his current home and refinance, taking cash out for renovations. I think Interest Rates are going to go up. And thats part of the reason why my wife and i decided to go ahead and move forward with it. Reporter close to 4. 5 million borrows nationwide are eligible and have financial incentive to refinance their current mortgages. That according to a new report from black knight financial services, which factored in closing costs. This is an increase of 1. 6 million borrowers from just a few months ago, when Mortgage Rates were higher. At todays rates, the average borrower could save 260 per month and nearly 700,000 borrowers could save 400 or more per refi . I think theres a little bit of a cloud when it comes to mortgage financing. In other words, a lot of people think the process is very difficult. When, in fact, it doesnt necessarily have to be that difficult. Reporter most lenders, like weaver, have now streamlined the process online and some will give approval in just a few days. We all know that Property Values have exponentially increased, which can give them the opportunity to perhaps have mortgage insurance removed from their loan, which in turn can save them a lot of money. Reporter refinancing is not for everyone, though, especially if youre closer to the end of your loan term. You could lower your monthly payment, but resetting the length of the loan again would cost you more in the end. Becky . And how quickly do Mortgage Rates usually move . Reporter well, theyre not like stocks at all. You wont see a huge jump up one day and a huge fall the next day. But they do move week to week. In fact, they moved higher in this past week. You need to watch the rates week to week, talk to your lender, and see what the trend is, not necessarily what that daily rate is. Got it. Diana, thank you very much. Diana olick. Up next, we are on the money. You found the perfect new job, but does it have the perfect Retirement Plan . What you should do with what you saved in your old 401 k . And later, one mans unique 80 percent of recurrent ischemic strokes could be prevented with the right steps. And take it from me, every step counts. A bayer aspirin regimen is one of those steps in helping prevent another stroke. Be sure to talk to your doctor before you begin an aspirin regimen. I love how usaa gives me the and the security just like the marines did. At one point, i did change to a Different Company with car insurance, and i was not happy with the customer service. We have switched back over and we feel like were back home now. The process through usaa is so effortless, that you feel like youre a part of the family. I love that i can pass the membership to my children, and that they can be protected. Were the williams family, and were usaa members for life. Call usaa today to talk about your insurance needs. But with my back pain i couldnt sleep or get up in time. Then i found aleve pm. The only one to combine a sleep aid plus the 12 hour pain relieving strength of aleve. And now. Im back aleve pm for a better am. The jobs market in the United States is pretty strong these days, and that means that a lot of people are looking for something bigger and better. But if you find something new, there may be one little thing that you havent thought about yet. And thats what to do with your old 401 k . The right decision now could mean a lot of money later on. Joining us right now to talk about these choices is tim spieth of eisner alan wealth planning. Thank you for being here. Thank you, becky. When you start a new job, should you take your old 401 k with you or leave it there . Whats the best advice . Generally speaking, you want to make your life not complicated with, so rolling a former k plan to a new employer plan could be the way to go. You would want to have a number of considerations. Are the Investment Options in the new flan as good or better than the former. You would want to look at fees. You would want to consider if the new plan has investing education or Financial Planning education or tools. All of those things are very important to consider. You know, i had another job a long time ago, i left my 401 k there. Is it too late for me to do something about that now or can i roll it over . You can roll it over. Which would probably make a lot of sense, because then i can combine the money and get lower f fee . Youre a great example, youre having to track two 401 k plans. If im looking at my current 401 k plan and its not as good, what other options do i have . You would want to see if you could add on i. R. A. S. An individual retirement account. Roth i. R. A. S, personal savings. The plan might allow aftertax contributions, your current plan, which you dont get a tax deferral for that, but you can put more money in, the earnings grow without tax being paid on it. So thats just another idea to make what you might think as maybe not as effective a present plan, make it more powerful more you. That makes sense. What should i really be considering when i start trying to decide what to do with my 401 k . It is confusing. There are a lot of different options and choices. And a lot of people, you look at it and think, i dont even know what the means. The first place we usually suggest someone start is, how much are they trying to save over a hypothetical career. Most people now are working to age 65. Someone might want to retire early. This is why its very important if a 401 k plan offers modeling tools, so grow on to your kplan site and put in your name and age and your current earnings and you can start to model if i want to get to 1 million, heres what i have to save every month. Whatever the number might be. Thats where you start. Thank you so much for being here. Appreciate pinpoint byebye. Up next on the money, a look at the news for the week ahead. And look back, you know some people went through their hippie faces, some became marines, but what about those who became monks . Well meet the man who became all three and find out what hes doing dont you mean dad kind of ruined our hawaii fund . I thud go to the thothpital. There goes the airfair. I dont think Health Insurance will cover all. Of that. Buth my fathe without that cash from aflac we might have to choose between hawaii or your face. Hawaii what . Haha. Hawaii you might have less coverage than you think. Visit aflac. Com and keep your lifestyle healthy. Aflac juswho own them,ople every business is different. But every one of those businesses will need legal help as they age and grow. Whether it be help starting your business, vendor contracts or employment agreements. Legalzooms network of attorneys can help you every step of the way so you can focus on what you do. Well handle the legal stuff that comes up along the way. Legalzoom. Legal help is here. Th