New Pricing Technology Makes Car Insurance Cheaper

Over the years, the technology used to calculate car insurance premiums has changed dramatically. Actuaries used to figure out premium levels by hand using books of statistical data. Later, adding machines and early computers ground through the numbers. More recently, online forms were invented which allowed you to get a quote online.

After all that time grinding things out, what most insurers and consumers wanted was speed. As a result, the current model for most traditional or mainline insurance companies in Australia consists of just a few questions. With these tiny points of data, a quote is generated based on aggregated consumer averages.

The result is a fast quote, but not a very accurate one. Most people dont notice that they are being treated as averages. They simply pay the quoted amount and pay rate increases even if they are accident free. However, you dont have to settle for this outdated and inaccurate system any more.

While most insurers havent gotten there yet, there are a few car insurance companies that have been pioneering a new way of calculating premiums. This new pricing methodology is based around creating highly detailed risk profiles of potential customers. This allows a calculation of premium that can truly separate high-risk from low risk customers.

There are several winning elements to this methodology. However, for consumers like you, the main benefit is often lower prices. If you are a good driver with a limited number of claims, you can really make home some substantial savings by switching to a company using this in-depth modelling framework to calculate rates for insurance cover.

It can feel a bit strange, especially after years of living with the old speed-is-everything system. Thats not to imply that this method isnt fast, mind you. It simply asks several additional questions about parking locations, length of commute to work, and so on.

As one of the early adopters, you stand to benefit the most. While your friends potter along with outdated insurance policies with off-the-rack premiums, you can have a custom tailored premium that only charges for the real risk you face as a driver and customer. Youll be able to quit subsidizing the behaviours of others through blanket premiums, and get to enjoy the fruits of your own careful behaviour on the road.

This is especially true if you really arent an “average” driver. If you only drive a few days a week, work from home and dont use your car regularly, or are retired and dont drive long distances, you have a dramatically different risk profile than most Australians. Yet you have been paying “average” rates for years, since the old method never inquired about your true habits.

Even if youre not a fan of the new and different, this is a new technology youll want to embrace. The new technology behind this quoting system isnt all flash and sparkle. It truly represents a way to make insurance premiums cheaper for you through more accurate pricing of your insurance cover based on your real risk profile.

Environmental Science And Its’ Components

These days there is there is a lot buzz about the world going green and preserving the environment. Well, I think that all of you might be reading something or the other about “environment and ecology” in newspaper, magazines or over the internet. So, let me throw light on this topic.

Environmental Science is the scientific study of the ways in which biological, physical and chemical components of the environment interact and the relations between them. Environmental science and ecology are overlapped but different science disciplines.

Environmental science and ecology are overlapped but different science disciplines. Ecology is the study of the interactions of living organisms with their environments, including relationship with other organisms. Environmental science is multidisciplinary in nature and provides a broad area of study of environmental systems integrating both biological and physical concepts with an interdisciplinary approach.

Components of Environmental Science:

Atmospheric Sciences examine the phenomenology of the Earth’s gaseous outer layer with emphasis upon interrelation to other systems. Atmospheric sciences comprise meteorological studies, greenhouse gas phenomena, and atmospheric dispersion modeling of airborne contaminants, noise pollution, and even light pollution.

Ecology studies typically analyze the dynamics of biological populations and some aspect of their environment.

Due to the interdisciplinary nature of environmental science, teams of professionals commonly work together to conduct environmental research or to produce Environmental Impact Statements. Environmental science encompasses issues such as climate change, conservation, biodiversity, water quality, groundwater contamination, soil contamination, and use of natural resources, waste management, sustainable development, disaster reduction, air pollution, and noise pollution.

Geosciences include environmental geology, environmental soil science, volcanic phenomena and evolution of the Earth’s crust. In some classification systems it can also embrace hydrology including oceanography.

Well, above is a brief overview about Environmental Science and its’ machinery. Having a sound knowledge about our environment will certainly help us to protect Nature, which is the “Gift of God” to mankind.

Is technology making social anxiety worse

I love video games, I love my computer, and I love my flat screen, but I find myself wondering sometimes if technology is making social anxiety worse. Has the convenience that technology has given to us also hindered us from overcoming social anxiety as a whole? Has technology made overcoming social anxiety even more difficult by placing a virtual barrier between human interaction and physical contact?

We can research and make friends with people online, but there is a lack of human interaction. The advantage of being online is that you can find a community to help you with whatever problem you have, but the disadvantage is the lack of action. We start using the internet as our outlet to being social. There is a huge lack of “real” interaction. We can sit at home and keep ourselves entertained with the hundreds of channels we have. We can live our vicariously through the character we play on video games, hell we can even pay our bills online so we don’t have to interact with another human being.

I love the benefits that are given to us because of technology, don’t get me wrong. I think it’s great that I can do everything I listed above. I love the fact that I can save time and money by sitting at home. I think technology can help and hurt you at the same time.

The way that I figure it, technology is like a fine wine. Doctors say, for the time being anyway, that a glass of wine a day is good for you. On the other hand, If you drink too much, it can kill brain cells and also can cause liver problems. Technology, like wine, can affect your relationships if you take in too much of it and let it control your life.

I think it’s outstanding that I have friends from all over the world that I’ve never met and probably never will, but I think it can also stunt your growth when it comes to getting past the reality of shyness and social anxiety. I realize that technology is a tool we can use to reach out to others but we need to use it wisely and apply what we learn with it, to the outside world. We have to make sure we don’t use technology as a crutch to avoid physical social interaction.

Multimedia Translation And Localization Qa The Localization Process

Translating multimedia assets during the localization process requires special preparation. Without it, localization projects can run into costly corrections, especially if those multimedia translation errors surface during end-stage quality assurance (QA) testing.

If you take the following precautions during the multimedia translation process, youll not only save money, but the time it takes to complete localization QA testing will be shortened:

1. Define which files need to be localized. Take the time to remove redundant pieces.

2. Do what it takes to ensure that the text in the multimedia translation portions of your software or product can be easily extracted for translation and then reintegrated. Use of XML formatting is common in this part of the localization process.

3. Understand the implications of your animation and take steps to avoid costly creative decisions. For example, dont animate the individual spelling of words, as they will need to be animated for each target language.

4. If possible, focus on vector images, not bitmap. Understand that text strings will impact the overall size of navigation and interface labels. Using vector graphics will permit you to scale these items instead of having to redesign individual assets. Different languages will expand or contract these graphics.

5. When using audio cues, realize how cues should automatically adjust according to longer or shorter localized audio. Also, include timing cues for audio dubbing in the source language script. This way, studio production and reintegration of localized audio will be easier.

6. With multimedia translation, text such as closed captions synchronized with audio should be adaptable for new languages.

7. Always finalize your scripts before production. Re-recording audio in multiple languages is not only costly, but detrimental to your localization timeline.

8. Search your multimedia translation project code for hard-coded text that will require translation and form fields that cannot process foreign language characters.

9. Review all graphics for culture-specific meaning. Currency icons and hand gesture animations do not have universal meaning. When possible, seek alternatives which function in multiple cultures, or find a new way to communicate the underlying idea.

In terms of localization qa, take the time to integrate quality assurance early on. Test one language early in the localization process before you roll out assets in multiple languages. If you wait until the entire multimedia translation project is complete, youll find yourself fixing the same error across every instance of the target market languages. Leverage what you learn early in the localization QA process to inform the remainder of the build.

With these tips in mind, youll not only save money on multimedia translation projects, but youll find the entire localization process a much smoother experience.

Technology Innovations Drives Success Mobile Commerce

Today, many technology innovations provide great functionality at lower price, giving more values to customers and stimulate mobile consumer market. The trend had shifted the consumers closer to business where on-line transaction can be done through simple clicks at palm.

Product designers have played a great role in improving interfaces for better information presentation over mobile devices. Many technology corporations have been engineering on artificial intelligence to humanize handheld devices into a better personal assistant. In the most familiar face, Siri technology in iPhone 4S is the most advance implementation of voice recognition technology that can help the owner to get things done by asking.
Geographical location technology must also be accredited for the success of Mobile Commerce. In order to deliver location service, mobile device tracks individual physical location as he or she moves about. Without many consumers knowing, some data-mining company use the Global Position System (GPS) to track their movement for market research. As such, this help researchers to study the consumers’ habits and behavior to exploit further possible technologies to complement lifestyle.

With much convenience provided through GSM (Global System for Mobile Communication), the most common cellular standard, extended by the GPRS (General Packet Radio System), banks and payment gateways have adopted token authentication as the best practice for safe mobile transaction. Soon to be true, more consumers will have a better reason to switch to cashless payment after the announcement of NXP Semiconductors N.V. secure contact-less Near Field Communication (NFC) technology solution.

On top of the cutting-edge technology, mobile web platform is available today to help company engages in the development and management of mobile site without much complexity. It is an on-line system that provides convenience to member of staff to manage the entire mobile web site without the need for any technical knowledge. For many business owners, this is thought to be highly sustainable and cost-effective than the traditional method of engaging highly paid professional to work on project based web development. A mobile site builder helps organisation to suit their mobile site exactly to the company image without compromising its security.

Strong infrastructure combines with innovative technological ideas give additional earning opportunities to vendors with reliable products. Besides setting up a physical store, a virtual business is equally important to attract technology savvy consumers who tend to leverage on the social network to search for better deals in the vast internet space.

Are you ready for Mobile Commerce?

The Meaning Of Health Science

True we are moving fast towards a highly evolved society with rapid advancement in all fields of technology, communication as well as sciences. There are innumerable new terminologies that have come into existence, for eg: “health science”. Though the term may be newly coined, the science has been in practice for ages.

What does Health science mean to you? It can mean different things to different people depending upon each one’s view point. Health of every individual is a sum of several parts which is not limited to one particular branch alone. We have the physical health or the medical science which looks into the physical ailments. This stream itself has innumerable specialization branches depending upon various disciplines. Besides we have the psychology and psychiatry branch of health science to be considered too.

All of us know the definition of science. It refers to scientific examination or study of principles and laws that are verifiable and can be reproduced and validated to give the same results. As applied to health sciences, we are referring to the systematic pursuit of similar research and query into the issues concerning the health of the human beings.

So you can call the general practice of medicine including nutrition, die tics as well as fitness and overall body metabolism to be covered under Health Sciences which deals with the human body as a whole. Health sciences while being concerned about overall health and metabolism of the body can still focus on a particular function of body part too.

If you look at the health sciences branches there are quite a few of them with most common being die tics, phytotherapy, occupational health, audiology, speech therapy, nutrition, environmental health etc.

Besides medical community of doctors, there are several other health science specialists that are a part of the hospitals and other clinics today. Holistic health centers offer all branches under one roof. Not only the medical centers but even corporates are seen to be including the health sciences as a part of their employee safety and welfare schemes.

If you wish to aim for a successful career, you can even work up to get a PhD in Health sciences. Then you get to choose where you wish to work whether in a hospital or a clinic or a rehab center. You can even join any NGO promoting awareness or join a MNC corporate as a part of CSR.

It takes a while to get a mastery over the subject, but once you are at the top, then you get ample opportunities to research into the problems plaguing people and help find practical solutions to everyday health problems.

Know the top 4 health science jobs or you can try your career by signing for the FBI possibilities.

IK Multimedia announced latest iLoud portable stereo speakers

Music lovers can now add latest wireless speakers into their music device collection. IK multimedia has introduced iLoud and iLoud Mini Bluetooth speakers, first portable speakers. Highly backed up with superior power, excellent frequency response and amazing low-end ultra portable factor. A perfect alternative to studio speakers for music composition and creations on the move.

The brand new iLoud line combines two models, iLoud and iLoud mini which delivers musicians with on par sonic accuracy with professional studio monitors. This makes it possible to compose,record andcombinefrom a mobile speaker system. Despite of their diminutive size, iLoud speaker gets you a very loud sound. You will find that they are in fact 2 to 3 times louder than other comparable size speakers. Delivers you a blasting 40W RMS power with iLoud and robust 12W RMS with iLoud Mini.

Enjoy highly accurate reproduction of a variety of music styles right from rock, hip-hop to sonically and nuanced demanding genres. These speakers are equipped with onboard DSP for maintaining efficiency and accuracy at all the volume levels. High-quality, custom-designed speakers just for you to create miracles in music world. iLoud is sleekly integrated with a bi-amped 4-driver array and its mini version paired up with a full-range of speakers. With the help of bass-reflex and passive radiators construction you can create a superior bass response along with tilted profile for a perfect listening position.

For a plug and play convenience, it also offers the possibility to connect to a guitar, dynamic microphone and bass directly to the speaker with the help of a multitude of real-time app effects. The most popular mobile interface, circuitry allow all the users to plug in an instrument and access AmpliTube or other audio apps in their mobile interface of all the time. This input also accommodates dynamic microphones which makes it possible to run an app for real time vocal effects and recording.

Other than their impressive response, volumes and features, the iLoud speakers are surprisingly small and exceptionally portable which can be used everywhere. The iLoud MINI is only just the width and height of an iPad mini while iLoud has got the size of iPad. The 6cm and 2.3 thick model can easily fits in a laptop bag. Both the speakers are nicely equipped with a high-performance Li-Ion rechargeable battery attached with smart power management features to run for longer periods without charging it. These speakers supports Bluetooth operations which adds some more features to their mobility. Get these speakers to your music composition profession to spread new miracle beats over the world.

About Author: Author loves to write on latest technological news. Read this article to know all about new iLoud portable stereo speakers introduced by IK Muktimedia.

The Mind Robot

This is why a coach is so crucial. You need someone to hear your statements and point them out to you, help you question them, and then release them or replace them.

My interview with Steve really made me aware that none of us listen to our language closely enough. I sometimes catch myself complaining or stating a limiting belief. I have to pause and ask myself, -Is the belief true in objective reality?-

In other words, is it a fact we can all agree on and even measure?

More often than not, it isn’t.

Years ago, when I trained with famed bodybuilder and Olympia winner Frank Zane, I was urged to watch my mouth. Frank would tell me, -I pay attention to how people speak. Your statements are usually empowering, but when you got under the squat rack, you started to say you couldn’t do it.-

He was right.

Frank wanted me to learn that my thoughts were leading me to create my own limitations. My statements about what was possible were in fact programming me to expect the very thing I declared. I was programming a robot: me.

I’m inviting you to monitor your thoughts and your language. What you say is programming you. As Steve pointed out in our in-depth interview, your words are speaking reality into being. But the reality you speak is one fabricated because of what you speak.

Here’s what Steve suggests you do right now to remedy this:

Speak as if what you want is already true. -I am a multi-millionaire.- -I am in love with the perfect person for me.- -I am healthy.- You get to choose. Make it now, present tense, and positive.

Watch for clues. Your subconscious will hear your new language and begin to offer evidence for it. It will, in a sense, test you. Be sure to take action on the opportunities that arise, to prove you are becoming that which you speak you already are.

Be that person. In other words, feel as though you already are what you said. Your emotion will stir motion in and around you to bring the desired state into being.

As you review this post, what comes to mind?

What are your thoughts right now?

Do you believe you can reprogram your mind?

Do you believe you can have, do, or be virtually anything?

This is all part of the process of deprogramming the robot of you. It’s about freeing yourself of limitations. How you answer reveals your beliefs, not objective reality. You can remain programmed by circumstances and upbringing and past beliefs; or you can begin the process to take control right now and reprogram yourself for what you want.

Remember, your subconscious mind will look for evidence to prove what you believe and expect.

So, what would be really good for you to believe right now?

Computer Desk Hardware Shopping Guideline

In choosing the best computer desk, there are several things you need to consider very well. One of the most important things is the hardware. Definitely, it is not the hardware inside the computer, but the parts of the desk itself. Why it is very important? The main reason is because you should put several important things related to the computer and you need to make sure that you can access or find them easily whenever you need them. So, finding the best computer desk hardware is a must thing if you really want to find the product to get its best function and make your home looks tidy.

What should you consider in looking for the most functional computers desk hardware? In this case, the term hardware will be related to CD racks, the sliding keyboard, file cabinets and also the mouse shelves. However, it is fully depended on your needs. If you are a person who use computer just for typing your stories, poems, or doing your tasks at school in simple way, you do not need many shelves or drawers to put the CDs of software and several other things which people usually need for certain purposes. The complete hardware will influence the price of the desk itself. Surely, the more complete racks, the more expensive price you would have paid for such thing.

Can you take one of the examples? If you still do not know about the recommended one, the Tuscany Brown Corner Desk Set will be one of the possible alternatives. This is the product from Bestar Furniture which will give you great and amazing options. The great CD rack will help you to store up to 26 CDs. For some people, this is a quite large space and capacity, but those who need more space will consider it as small space. Matching the specifications with the needs become the most important point to be done. What about the sliding keyboard shelf? You can enjoy it too and let the tidy and simple look of your desk. It is always great to see the keyboard under the desktop if it is not in use. This desk is designed in such a way for those who want to get the best benefits of corner computer desk.

What else? The computer desk above will bring another great thing which is separated from the desk itself. You can enjoy the mobile file cabinet which is completed with two utility drawers. Besides, the letter file drawer will be brought to your hand. The wheel casters will support the great mobility feature, thus you can move it easily. The easy access and great design will be helpful for you to work conveniently and let you enjoy the ultimate functions of a computer desk greatly.

Advanced Muscle Science

Advanced Muscle Science is into manufacturing and marketing the most advanced and state of the art nutritional supplements and targets the sport nutrition industry. They use cutting edge technology and advanced scientific methods to develop some of the best supplements that are available today in the market. The production standards are extremely high and the manufacturing facilities adhere to international quality standards followed by recognized pharmaceutical companies.

Advanced Muscle Science has been in the business for over two decades now and is one of the most reputed and respected brands in the sport nutrition industry. Their long-term research has led to some innovative and revolutionary products that have changed the dynamics of the sport nutrition industry.

Advanced Muscle Science has also believed in making products that are legal and at the same time effective, thus proving to be a responsible organization which values the trust of its customers.

Some of the pioneering products of Advanced Muscle Science are Liquidrone UTT, Dienedrone, Proto-Plasma, HyperTrop-X, HyperPump, 4-AD UTT, 1-Androsterone UTT, and Arom-X UTT.

Advanced Muscle Science and Bodybuilding

It has been a well known fact that to really be successful as a professional bodybuilder one needs to add supplements to the diet. It is important to have a healthy and balanced diet. But it is equally important to have regular intake of supplements that help you to develop muscle mass quickly and effectively. There are thousands of bodybuilding supplements in the market to choose from. And as we all know, the more the choice the harder it is to choose. This is exactly where Advanced Muscle Science steps in. If you choose a product of theirs, you can be certain that you have opted for the best that is available in the market.

Advanced Muscle Science specializes in bodybuilding supplements and has on offer a whole range of products that they manufacture and market. Their products range from prohormones including 1-Andro, 4-AD, DecaVol, and Dienedrone to pre-workout supplements such as Hypertrop-X and Hyper Pump, and from supplements that aid in sleep and muscle repair like Nocturnabol to portable protein supplements such as Proto Plasma. The range is endless, the products some of the best on offer. Since Advanced Muscle Science adhere to the highest quality standards and since the results are exceptional, most professional bodybuilders rely on their products.

There is always the option, and often the temptation to go for the cheap and discounted bodybuilding supplements. But one should understand that the best products come for a price, and it is a price worth paying. Advanced Muscle Science never compromises on quality and when you are dealing with your own body you would want something that you can trust. Advance Muscle Science and their products could be easily relied on.