What is VantageScore

What is VantageScore What is VantageScore? What is VantageScore?You might think that your FICO score is the only credit score out thereâ€"but youd be wrong!There are so many scores to keep track of these days! Sure, the Super Bowl score was low enough to keep track of without any trouble, but that’s far from the only score out there. You have baseball scores, basketball scores, and, perhaps most importantly, your credit score.But now there’s a new score on the block. Well, if twelve-years-old is new. It’s called your VantageScore.So what exactly is this score, and do you have to worry about it? We spoke to the experts to find out!VantageScore: Origins.To understand the creation of the VantageScore, it helps to go back to the creation of the FICO credit score, i.e., THE credit score.As we’ve explained before, lenders used to determine whether someone was credit-worthy on a very personal basis. If you wanted a personal loan from the town banker, you might have to get recommendations from other trustworthy individuals in said town.As banks and other lenders became national enterprises, it was less practical to check in with a potential client’s neighbors to find out if they returned the tools they borrowed in a timely manner.That all changed in 1956 when mathematician Earl Isaac  joined engineer Bill Fair to create Fair, Isaac, and Company. This new company began collecting financial information to create a standard credit scoring system that banks could reference when making their decisions.FICO continued to develop their credit scoring methods and in 1989, they introduced the modern FICO Score. The FICO credit score uses information gathered by the three major credit bureaus, Experian, Equifax, and TransUnion, to generate a number between 300 and 850.Cut to 2006, when those three credit bureaus decided they wanted to offer a score of their own to compete with the FICO score. They jointly created the VantageScore using their own distinct formula.“Originally it was meant to be a much more consu mer-friendly score, based on the rating similar to school grades (A, B, C, D, F) rather than FICO’s 300-850,” explained Todd Christensen, education manager for Money Fit. Those grades were based on a 501 to 990 scale. The more recent iterations use a scale that’s much more similar to FICO’s score.FICO took some issues with all of this and sued the company that administers VantageScore. After years in court, VantageScore emerged victorious and now stands as an alternative to FICO scores that lenders may consider.The Vantage advantage.Now that you know the history of the two credit scores, both alike in dignity, how do they differ today?“VantageScores are grouped into six categories and each category has a different influence on the credit score,” advised Katie Ross, Education and Development Manager at  American Consumer Credit Counseling. “VantageScore is able to get a score from one month’s history and an account that that has reported at least once in the last 24 m onths.”This is in contrast with the FICO score, which requires at least six months of credit history to generate a score. The factors that go into creating a VantageScore are also not broken down in terms of percentages like they are for your FICO score.Ross told us roughly how heavily the different VantageScore factors are weighted:“Payment history: extremely influential.Age and type of credit: highly influential.Percentage of credit limit used: highly influential.Total balances and debt: moderately influential.Recent credit behavior and inquiries: less influential.Available credit: less influential.”So are VantageScores a better way to assess credit-worthiness than FICO Scores? It’s up for debate, though you likely won’t have a choice in the matter unless you’re the lender in a potential loan transaction.“The problem is, it is essentially for ‘educational purposes’ only, since no lenders that I know of actually use the score in their credit-based decisions,” Ch ristensen told us. “Still, it can serve some great purposes to help consumers.”That may be quickly changing if VantageScore itself is to be believed. They’ve found that there has been a 300 percent increase in use by lenders and other individuals or institutions looking to review applicants’ credit scores. That’s why you might as well try to improve your VantageScore as well.How to take advantage of VantageScore.Thankfully, the steps you’ll take to improve your VantageScore are all pretty similar to the steps you’d take to improve your FICO score.We’ll let Ross list those steps:“Make payments on time.Pay off your credit cards in full each monthnot just the minimum!Avoid credit card debt. Only spend what you can afford.Use credit for small, routine purchases and pay them off immediately.Limit the number of open accounts.Check credit reports remove errors.Beware of unsolicited increases to your credit limit.Don’t max out your cards. Maintain a good credit utilizat ion ratio (don’t exceed 30% of available credit).”It might be hard enough keeping track of one credit score. Thankfully, as long as you’re paying your bills on time and using your credit responsibly, both of your scores should grow.Your credit score is important.Good credit is the foundation for a positive financial outlook. With a healthy score, you can borrow more money at lower rates and qualify for the best credit cards. Not only that, but itll help you get that sweet new apartment you have your eye on.If your credit score is lousy, on the other hand, youll find your lending options are pretty limited. Thats how people end up relying on short-term bad credit loans and predatory no credit check loans like payday loans, title loans, and cash advances to make ends meet.Thats something you really want to avoid. Trust us. To learn more about managing your credit score, check out these related posts and articles from OppLoans:How to Build Credit When You Have No Credit at AllNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreCredit Utilization Ratio: What It Is, Why It’s Important, and How to Master ItWant to Raise Your Credit Score by 50 Points? Here Are Some TipsHave a question about credit scores? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsAuthor and Accredited Financial Counselor ®, Todd R. Christensen, MIM, MA, is Education Manager at  Money Fit (@MoneyFitbyDRS) by DRS, Inc, a nationwide nonprofit financial wellness and credit counseling agency. Todd develops educational programs and produces materials that teach personal financial skills and responsibilities to all ages. Having facilitated nearly two thousand workshops since 2004 on the fundamentals of effective money management, he based his first book, Everyday Money for Everyday People (2014), on the discussions, tips, stories and ideas shared by the tens of thousands of individuals and couples in attendance.Katie Ross  joined the  American Consumer Credit Counseling  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.

An Overview of Globalization Essay - 2486 Words

Kofi Annan, a UN diplomat, once said, â€Å"...that arguing against globalization is like arguing against the laws of gravity.† Introduction It is very important to study globalization because understanding the contemporary international political economy is an essential part of being an informed citizen. Understanding globalization is a very important part of learning about our human involvement with the environment and society. Our daily experiences at†¦show more content†¦One way to classify globalization is as being composed of cultural, economic, political, and technological components that connect groups and individuals across the global landscape. Even though there has been a sharp increase in the technology of communication and it has basically eliminated physical distance, it has created a very different way for us to interact globally. The main culprit of this has been the Internet. And even though the Internet has been probably the greatest invention this century, it has divided just as many people and groups as it has connected. The other fact is that local interaction between people and groups is still necessary. On the other hand the Internet has opened a huge range of choice for groups as well as individuals. This fact has offered greater depth and more opportunities to choose how much information we get as well as what kind of information we want. Digital technology has definitely changed how groups and individuals interact on a global scale. How we study Globalization There are two main theories that help us in observing and studying globalization. Theses two theories are those of political economy and international relations. When studying globalization we also use four other theories in order to gain an accurate perspective on how globalization affects us and how other people view it. 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Here, researchers acknowledge that the inception and rise of globalization, has altered the way that 21st century businesses compete. With the continued dismantling of trade obstacles between borders and across oceans, the dynamics of the global economy have become increasingly inextricable. This carries with it, theRead MoreThe Changing Role of Hr Management1106 Words   |  5 Pagespersonnel departments. According to the week one overview, companies depend on their human resources departments to manage and provide for the organization’s needs through the use of their human assets. These assets include the business partners, community, customers, employees, and stakeholders of the company (University of Phoenix, 2010). The purpose of this paper is to discuss the various responses by human resources management to (a) globalization, (b) technology, (c) diversity, (d) e-businessRead MoreIntrod uction Globalization960 Words   |  4 Pagesï » ¿Introduction Globalization is an ongoing process integrating economies, industries, markets, cultures, societies and policies around the world. Whether globalization is good or bad is a question that people around the globe are constantly debating over. The answer depends on which part of the world you stand on, for globalization have different impacts on every ‘participant’. The Good The good side of globalization is that it promotes open markets which allows businesses to communicate effectivelyRead MoreGlobalization And Its Impact On Society Essay925 Words   |  4 PagesGlobalization is the process by which different societies, culture, and how regional economies integrate through a worldwide network of political beliefs through communication, marketing, and transportation. Predominately, globalization has made a worldwide impact on many nations in numerous ways such as; politically, economically, as well as socially. Globalization has shaped the independence of various nations, thus leading to worldly affairs based on a global level. Leading to trends in cultureRead MoreGlobalisation: Whats New? Whats Not? (and so What?), Globalisation and American Power.995 Words   |  4 Pages), Globalisation and American power. In these two article globalization and the increase of globalism is described in two very different ways. Waltz arguing from a realist’s perspective; that the politics of the state is ultimately affected within globalization. R.O.keohane and J.S.Nye Jr express a liberal opinion, arguing the many different factors that affect the increase in globalism. ‘Globalization: What’s new? What’s not? (And so what)’, portrays the speed in which globalismRead More Diversity Essay901 Words   |  4 Pagesencounters were relatively slim in early days today, they are almost part of everyday life, At the same time, the interchange between cultures has jeopardized their very existence, and the emergence of a diverse culture, a fixation often referred to as globalization.. Primarily, what makes cultures different from each other is it looks at the process of what an individual goes through in an intercultural races, and how it adapts to culture changes in its environment.The individual learns its culture fromRead MoreImpact of Globalization on Agriculture in Uganda1262 Words   |  6 PagesImpact of Globalization on Agriculture in Uganda Definition: Globalization: is a process by which regional economies, societies, and cultures have become integrated through a global network of communication, transportation, and trade. Globalization according to Webster’s Dictionary, means: â€Å"to make worldwide in scope or application†. Globalization can be viewed as the integration of inputs and outputs into global markets, sharing of information and knowledge, and promulgation of rules governingRead MoreGlobalization : A Short History1720 Words   |  7 Pagesworld today are seen less superior and most likely to keep peace and order rather than starting violence. In Jujen Osterhammel and Niels P. Petersson’s book Globalization: A Short History, they investigate what led to globalization. They discuss events in history starting from the 1800s to the cold war era and what events led to globalization. Osterhammel and Petersson describe every event in details that have led to the world we live in today. From there discussion, it is seen that Europe was a dominatingRead MorePhl 320 Critical Thinking and Decision Making in Business Complete Class996 Words   |  4 Pagesdo you expect to lear n from this course? Write a paragraph summarizing the discussion. PHL 320 Week 1 Knowledge Check PHL 320 Week 2 Globalization Argumentative Paper Review the Writing Argumentative Essays section in Ch. 3 of Critical Thinking Write an argumentative paper of no more than 750 words that demonstrates why globalization is good or not good for a business. The paper should define the term good, and should identify the premises and conclusions. Identify the premise

Relationship Between Helper And Helper Essay - 1327 Words

For me, the most important role of values in the helping relationship is about the helping process that will lead to effective helping outcomes, helper function as a whole person, as a skilled technician and while in contact with helpee. Helper’s personhood is about thinking which enable the helper to evaluate helping process while in progress. It likely that helper may think and evaluates themselves, their helpee, and the helping process privately after the process. The roles of value in the helping relationship are to focus on questions that helper tend to ask when are alone. Firstly, the thought is about helping process theory and as a guide, which necessitate frequent question that is always asked; â€Å"Why does a particular method or strategy work or not work? This is known as mental theorizing that denotes rational rather than a feeling function. Helper requires a guiding theory to assist to make sense of complex helping process. It is believed that helper can help others without a thought about theory, but if it means working systematically in helping process, they require some â€Å"hooks† to execute the experiences and several frameworks of references in attainment perspectives on their work and improving the services. The core value of theory is to give direction to action phase of helping, however theory may not be required to begin a relationship, but it is important when making a decision to assist helpee in behavior change, and helper is required to have clearShow MoreRelatedCounselling P1717 Words   |  3 Pagesinitiating, maintain ing, developing and concluding a helping relationship A helping relationship is a relationship between the professional and the patient/client which aims to help the client get through difficult situations and encourage the client to overcome their issues. 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The Assualt †Views About Past and Present Free Essays

In his novel The Assault, Harry Mulisch illustrates a clear example at how human memory can aid us in pursuing a better future ahead of us. As Anton watched the motor boats on the first page of the novel he was amazed at how fast the motor boats moved and the wake they left behind. Each time he saw them zoom by he would try to follow their wake however its pattern became so distorted he could not follow it. We will write a custom essay sample on The Assualt – Views About Past and Present or any similar topic only for you Order Now Along side the motor boats were the gondolas where they were propelled by the captain pushing a stick back thus moving his boat forward. He then takes this approach on life and lives while constantly bringing up his past. Every time he attempted to look at what the future held in store for him he was sent back towards looking at the past. By looking back and searching for his past he was able to progress into the future without feeling the unbearable light of the future. Mulisch uses an extensive amount of light and dark metaphors, and structure in order to show us that if we desire to progress through a less painful life we should reflect upon our past before we look too far ahead into the future. Mulisch structured his novel in such a way that the reader can unmistakably understand the past form the present. In the very beginning of the book Anton and his family are going about their lives however there is not a single trace of light. Mulisch makes this point very clear for everyone is turning out there lights in case of a bombing run. In addition he writes that all was dark as the murder was committed and peter took the carbon lamp. These had all happened in the past and therefore Mulisch is stating the past is dark. As the reader reaches the end of the book and the final scene is of Anton walking away in the middle of the day, when the sun is the highest, we conclude that the present is light. This juxtaposition is further backed by the chapter structure Mulisch chose to use. Although many if not all books, rise in chapter number such as this one, Mulisch chose to use years and dates for chapters to very clearly indicating the movement from past to present. This structure and juxtaposition as well as the metaphor of light and dark as representing future and past allows the reader to follow Anton’s progression through out. As one scans the novel a noticeable pattern forms in that as the episodes (chapters) progress, so does Anton’s knowledge of his past. This is done through Mulisch structuring the novel so that Anton meets a new person and gains a new piece of his past as time goes on. His past first comes back to him when he travels back to Haarlem after living with his Aunt and Uncle in Amsterdam since the murder of Fake Ploeg was committed. Here he is greeted with multiple objects that remind him of his past and one of which is the herring bone pattern on the quay. Mulisch writes, â€Å"With sudden excitement he recognized the herringbone pattern of the brick pavement. He had never noticed it in the old days, but now he saw it realized it had always been there. (Mulisch page 62) The herringbone patter represents how much distortion Anton’s memory has about the night the murder was committed. It is this confusion that Anton is excited by and he then strives to find answers through out his life both consciously and unconsciously. In addition to the herringbone pattern on page 62 he also meets Mrs. Beumer and Mr. Beumer. Ant on does not like the presence of them when he first meets them but it is because of their connection to his past that leads him to another connection; The monument on the quay. From hear Anton feels like he has an unbearably empty hole inside of him. When something is empty, in an existentialistic view such as Mulisch, it must be filled and for Anton that something is knowledge of his past. The Episode concludes with Anton thinking of himself floating at the center of the earth. There he would â€Å"be able to reflect upon the state of things in eternity. † (Mulisch page 76) Mulisch Has Anton percolating this idea in order to show the reader that Anton is clearly going to reflect upon his past. Shortly after Anton’s acquaintance with Haarlem and the Beumers he walks into Fake Ploeg Jr. n Anton’s flat. Here they are both greeted with past and they have quite the talk about it. While this is going on Anton is attempting to light a stove filled with dark oil. As the conversation between Anton and Ploeg Jr. escalates the dark oil has yet to light up. At the most enraged part of the conversation Fake decided to throw a stone and after this, a cloud of dark soot from the stove and covered Anton’s flat. Ploeg Jr. was a connection to Anton’s past and the dark soot covering Anton’s flat is representative of a piece of his past he just acquired through Ploeg Jr. This was not an easy feat for Anton was trying to speed up the process while talking to Ploeg Jr. as represented by having to much oil on the stove and trying to light it. This is all occurring while Anton has a headache which plunge him into darkness because of the pain. This then indicates that the past does in fact aid Anton in the way that he lives less painfully. This motif of dimming light (future and pain) with darkness (past and relief) comes up another time while lying on the beach on page 126. Mulisch uses the metaphor of a book for the intended purpose of illustrating the light and dark motifs as Anton was blinded by the whiteness of the pages reflecting the sun onto him. Later in the same scene Anton falls asleep in the light of the beach and awakens to another of his splitting migraines. A few lines down however Mulisch writes that â€Å"in the soothing shade, it had almost disappeared. † Giving way to the motif mentioned earlier. Among the actions that take place in the beginning of the novel, Anton meets a woman whom he meets in a jail cell. It is only when Anton is taken out of the cell and sees blood that his curiosity raises even more. This along with the assault itself fades away into Anton’s memory like the wake of the motor boats. As he grows older he begins to think about this woman even more. This is particularly set on by a man named Cor Takes who talks to him about his girlfriend. With this new found information Anton keeps attempting to put a face on the woman in the cell for he thinks it is the woman Takes was talking about (Truus Coster). Anton keeps looking forward to who the woman in the cell was and during this time period, episode three to the final episode, he has constant migraines which plunge him into darkness in order to stop the pain. Mulisch structured this episode as this to show the reader that looking towards the future is dangerous and we should rely on our past before we make assumptions. Mulisch then has Anton stop thinking about Truus for he concurs that she must look like Saskia. Anton accepts this conclusion and his migraines start diminishing. This further extends the conceit of dark and light as ways of representing past and future, good nd bad. At the end of the final episode Anton has now spent 36 years searching for his past and finally he comes to a conclusion when he meets his old neighbor Karin Korteweg. Anton finally hears the whole story about his past and he is unusually at ease with this information. Mulisch used this to state that Anton had finally been vindicated of his past. The book ends in mid day, commonly known as when the sun is at its brightest point. Mulisch uses this structure and juxtaposition of the begging of the book to extend the light and darkness motifs in the novel. Although we can walk through our lives looking towards the future it is much harder than if we walk facing the past. When we look to the future we feel as if our past is always weighing us down such as the panoptic-con of the Nazis during WWII. When we do feel its weight we tend to have a harder time progressing through what each one of us consider our meaningful life. We should always reflect upon our past no matter how much we want to ignore it because by doing so we make better sense of our future and are ultimately brought into the light with no pain. After all â€Å"Everything comes to light. † (Mulisch page 128) How to cite The Assualt – Views About Past and Present, Papers

Macbeth..Who Killed Duncan Essays - Characters In Macbeth

Macbeth..Who Killed Duncan Macbeth Who Really Killed Duncan ? Who really did kill Duncan? This has been a question asked by many historians of Shakespeare. There are many theories that have developed over the years. Some say it was MacDuff, Lady Macbeth, or even Duncan's own two sons. I have developed my own theory on the death of Duncan, and am about to explain it to you. My opinion is that Macbeth never killed Duncan. Yes he was in the room with the dagger, but he did not have the guts to carry out the treasonist act. Macbeth was very loyal to his king, and had no reason to kill him. Maybe he became a little ambitious after the witches gave him his prophecy. Macbeth was not ambitious enough to sneak into Duncan's bedroom and then actually kill the king. What really happened was Malcolm one of Duncan's sons got to his father before Macbeth could. When Macbeth walked in to the bedroom Duncan was already dead. Macbeth turned him over to find his wife's dagger right threw the good kings heart. Macbeth pulls the dagger out, thinking it was his wife who had killed Duncan, getting blood all over his hands. When Macbeth went back to his room to talk to his wife, she didn't give him the chance to explain what he had seen, and she ran off to frame the guards. This is when Macbeth cleaned off the dagger, put it back in its proper place, and didn't say another w ord to Lady Macbeth about what he had seen. The next morning when the king was found dead, Malcolm and Donaldbain fled to different countries because they were scared. Macduff was supposed to find Lady Macbeth's dagger imbedded in Duncan's body. There was no dagger whish made Malcolm very uneasy. Malcolm had a different reason for running he was the true killer of Duncan. Donaldbain just ran because he thought he was going to be the next one to go. Macbeth thought that his wife was the killer, because of the dagger. Lady Macbeth thought that Macbeth had killed the king because of all of the blood on his hands and clothes. So in conclusion the death of Duncan was a true conspiracy. All of the historians are wrong; it was not Macbeth, Lady Macbeth, or even Macduff. It was Malcolm because he was tired of his father's ways and wanted to rule the land. He is the true killer, and perhaps maybe one of the first great con artists. Shakespeare Essays

Exercise in Sentence Combining with Adverb Clauses

Exercise in Sentence Combining with Adverb Clauses As discussed in part one and part two, adverb clauses are subordinate structures that show the relationship and relative importance of ideas in sentences. They explain such things as when, where, and why about an action stated in the main clause. Here well practice building and combining sentences with adverb clauses. Practice Exercise:Building Combining Sentences with Adverb Clauses Combine the sentences in each set below by turning the sentence(s) in bold into an adverb clause. Begin the adverb clause with an appropriate subordinating conjunction. When youre done, compare your new sentences with the sample combinations on page two, keeping in mind that multiple combinations are possible. Example:Sailors wear earrings.The earrings are made of gold.Sailors always carry the cost of a burial.They carry the cost on their own bodies.Combination 1: So that they always carry the cost of a burial on their bodies, sailors wear gold earrings.Combination 2: Sailors wear gold earrings so that they always carry the cost of a burial on their bodies. It is unlikely that Cleopatra actually committed suicide with an asp.The species is unknown in Egypt.The boy hid the gerbil.No one would ever find it. Our neighbors installed a swimming pool.The pool is in their backyard.They have gained many new friends.My parents and I watched in awe.We watched on a hot August evening.Erratic bolts of lightning illuminated the sky.The bolts of lightning were from a distant storm. Benny played the violin.The dog hid in the bedroomThe dog whimpered.Natural rubber is used chiefly to make tires and inner tubes.It is cheaper than synthetic rubber.It has greater resistance to tearing when wet. A Peruvian woman finds an unusually ugly potato.She runs up to the nearest man.She smashes it in his face.This is done by ancient custom.Credit cards are dangerous.They encourage people to buy things.These are things that people are unable to afford.These are things that people do not really need.I kissed her once.I kissed her by the pigsty.She wasnt looking.I neve r kissed her again.She was looking all the time. Some day I shall take my glasses off.Some day I shall go wandering.I shall go out into the streets.I shall do this deliberately.I shall do this when the clouds are heavy.I shall do this when the rain is coming down.I shall do this when the pressure of realities is too great. When youre done, compare your new sentences with the sample combinations on page two. Here are sample answers to the practice exercise on page one: Building and Combining Sentences with Adverb Clauses. Keep in mind that multiple combinations are possible. Because the species is unknown in Egypt, it is unlikely that Cleopatra actually committed suicide with an asp.The boy hid the gerbil where no one would ever find it.Since our neighbors installed a swimming pool in their backyard, they have gained many new friends.On a hot August evening, my parents and I watched in awe as erratic bolts of lightning from a distant storm illuminated the sky.Whenever Benny played the violin, the dog hid in the bedroom and whimpered.Natural rubber is used chiefly to make tires and inner tubes because it is cheaper than synthetic rubber and has greater resistance to tearing when wet.By ancient custom, when a Peruvian woman finds an unusually ugly potato, she runs up to the nearest man and smashes it in his face.Credit cards are dangerous because they encourage people to buy things that they are unable to afford and do not really need.I kissed her once by the pigsty when she wasnt looking and never kissed her again although she was looking all the time.(Dy lan Thomas, Under Milk Wood) Some day, when the clouds are heavy, and the rain is coming down and the pressure of realities is too great, I shall deliberately take my glasses off and go wandering out into the streets, never to be heard from again.(James Thurber, The Admiral on the Wheel)

Dinosaur Intelligence, and How Its Measured

Dinosaur Intelligence, and How It's Measured Gary Larson framed the issue best in a famous Far Side cartoon. A Stegosaurus behind a podium addresses an audience of his fellow dinosaurs: The pictures pretty bleak, gentlemen. ..the worlds climates are changing, the mammals are taking over, and we all have a brain about the size of a walnut. (See a slideshow of the 10 smartest dinosaurs.) For over a century, that quote has pretty much summed up popular (and even professional) opinions about dinosaur intelligence. It didnt help that one of the earliest dinosaurs to be discovered and classified (the above-named Stegosaurus, in 1877) possessed an unusually small brain, about the size of, yes, a walnut (its brain was so small, in fact, that paleontologists once speculated that Stegosaurus had a supplementary brain in its butt). It also didnt help that dinosaurs are long extinct; wiped out by the famine and freezing temperatures in the wake of the K/T Extinction 65 million years ago. If only theyd been smarter, we like to think, some of them might have found a way to survive! One Measure of Dinosaur Intelligence: EQ Since theres no way to travel back in time and give an Iguanodon an IQ test, naturalists have developed an indirect means of evaluating the intelligence of extinct (as well as living) animals. The Encephalization Quotient, or EQ, measures the size of a creatures brain against the size of the rest of its body, and compares this ratio to that of other species of roughly the same size. Part of what makes us human beings smart is the enormous size of our brains compared to our bodies; our EQ measures a hefty 5. That may not seem like such a big number, so lets look at the EQs of some other mammals: on this scale, wildebeests weigh in at .68, African elephants at .63, and opossums at .39. As you might expect, monkeys have higher EQs: 1.5 for a red colobus, 2.5 for a capuchin. Dolphins are the only animals on the planet with EQs even close to those of humans; the bottlenose comes in at 3.6. (By the way, EQ scales vary considerably; some authorities set the average human EQ at about 8, with the EQ of other creatures scaled up proportionally.) As you might expect, the EQs of dinosaurs (based on the analysis of their fossil remains) are spread across the lower end of the spectrum. Triceratops weighs in at a scant .11 on the EQ scale, and it was the class valedictorian compared to lumbering sauropods like Brachiosaurus, which dont even come close to hitting the .1 mark. However, some of the swift, two-legged, feathered dinosaurs of the Mesozoic Era posted relatively high EQ scores- not quite as smart as modern wildebeests, but not that much dumber, either. How Smart Were Carnivorous Dinosaurs? One of the trickiest aspects of animal intelligence is that, as a rule, a creature only has to be smart enough to prosper in its given ecosystem and avoid being eaten. Since plant-eating sauropods and titanosaurs were so massively dumb, the predators that fed on them only needed to be marginally smarter- and most of the relative increase in the brain size of these carnivores can be attributed to their need for better smell, vision and muscular coordination, their tools for the hunt. (For that matter, one can argue that the reason sauropods were so dumb is because they only had to be marginally smarter than the giant ferns they munched on!) However, its possible to swing the pendulum too far in the other direction and exaggerate the intelligence of carnivorous dinosaurs. For example, the doorknob-turning, pack-hunting Velociraptors of Jurassic Park and Jurassic World are a complete fantasy- if you met a live Velociraptor today, it would probably strike you as slightly dumber (though a lot more dangerous) than a chicken. You certainly wouldnt be able to teach it tricks, since its EQ would be an order of magnitude below that of a dog or cat. (This is part of the reason why dinosaurs, as a general rule, dont make very good pets.) Could Dinosaurs Have Evolved Intelligence? Its easy, from our present-day perspective, to poke fun at the walnut-brained dinosaurs that lived tens of millions of years ago. However, you should bear in mind that the proto-humans of five or six million years ago werent exactly Einsteins, either- even though, as stated above, they were significantly smarter than the other mammals in their savannah ecosystems. In other words, if you managed to time-transport a five-year-old Neanderthal into the present day, she probably wouldnt do very well in kindergarten! This raises the question: what if at least some dinosaurs had survived the K/T Extinction 65 million years ago? Dale Russell, the one-time curator of vertebrate fossils at the National Museum of Canada, once caused a stir with his speculation that Troodon - a human-sized theropod dinosaur about as smart as an opossum- might eventually have evolved a human-sized level of intelligence if it had been left to evolve for another few million years. It should be noted, however, that Russell didnt propose this as a serious theory, which will come as a disappointment to those who still believe intelligent reptoids live among us.