This bad use of good technology compelled us to found Betterment, our investing service focused on helping people reach their goals as efficiently as possible.

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Consumers use social media to share their experiences, whether good or bad.

FORBES: Time For Brands To Consider The Real Demographics

Based on established characteristics that define a good photograph, Google will weed out the bad shots, and highlight the good ones, and Google will use facial recognition to identify pictures that include your family and group them separately.

FORBES: Google Is Very Creepy, And That's What Makes It So Awesome

Banks, Kaufer says, use similar descriptive analysis to determine if you're a good or bad credit risk.

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Through this exposure, their own immune systems learn the difference between good and bad bacteria -- i.e. what to fight off and what to use.

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