New Pricing Technology Makes Car Insurance Cheaper

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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 However, you dont have to settle for this outdated and inaccurate system any more.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 While your friends potter along with outdated insurance policies with off-the-rack premiums, you can have a custom tailored premium that only charges for the real risk you face as a driver and customer.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.

Android Os Advancing The Mobile Technology

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New operating systems are necessary to keep up with the demands of today’s users. Mobile phones available right now work on a few such systems like Java, Symbian, Flash, an exclusive OS like the ones utilised by the iPhone and the Windows seven phone.

The most progressive pparticipant in the cell telephone OS market is the Android OS. It’s an open source operating software developed by Google along with other tech corporations. The Android operating system is superb for the tech world and here are the reasons why.

Less expensive mobile products
A chunk of the mobile telephone cost is the O. S. Unless the phone uses special devices and materials like camera lens similar to pro cameras or dear metals for the body, the hardware cost may not amount to a significant value since production costs are going down because of more recent technologies. The free Android OS allows the telephone costs to go down because a gigantic portion of the price isn’t applicable .

Improving Technology
Mobile systems have continuously become better and faster. The advent of this new OS will certainly allow the development of better service and features to the final user. Users should be excited with the chance of larger adventure – like the 90s when we initially began to enjoy SMS, MMS, etc .

Better Services
We’re all acquainted with the iPhone’s ability to allow 3rd party programmers to develop applications, the Android OS is not different as it also inspires other programmers to develop the technology. This allows the end users to enjoy more modern and better applications and will certainly increase the phone’s value. At the end, you’ll get more than you paid for.

Google Products
most of use Google services like Gmail and Google Documents, having an Android device will make this experience more pleasant and pleasurable. With the increasing renown of Google products you may be warranted you are getting onto a good team.

These top reasons make the Android phones a wanted product that will surely make a massive impact on the mobile industry. There are already several brilliantly designed Android phones available in the market, and these phones are getting better and cost less each quarter.

Science Definitions – How to Make Soap

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Before you begin making homemade soap you may want to learn some science definitions. Why is it important? There is a science behind making soap. Some chemicals can be very potent and caution should be heeded. Homemade soap goes through a process of soap formation called saponification. Do you know what saponification means? If you studied science definitions you would know the answer. There is chemistry involved in learning how to make soap. Chemicals are reacting with each other and can be very potent. If you do not understand how chemicals react or the properties they contain then you will have difficulty, for certain, making homemade soap.

Chemicals such as lye, essential oils, glycerin, natural extracts, soap making oils and more should all be understood and used with caution. One example, before working with lye, proper safety precautions should be used. Lye can cause very serious burns if it directly contacts the skin. What should you do if lye does contact the skin or any area surrounding your soap making project? If you knew your science definitions you would know the answers to these very important questions. Knowing these ingredients will, also, be beneficial for making your homemade soap recipes.

Making homemade soap can be a lot of fun, but it does have an expense just like any other hobby or project. If you knew your science definitions, you could save time and money. Are there certain ingredients you would like to know about? Learn with science definitions or science terms.

The reason most people make their own homemade soap is because they know it is healthier for their skin than modern, commercial, soap! How is it healthier? Do you know what parabens are? If you knew your science definitions you would understand the dangers of parabens, found in most commercial soaps! You would, also, learn of homemade soaps and many other homemade skin care products made with a paraben-free preservative!

Take time and learn science definitions, science facts, science terms, science lessons and, even, fun science trivia about making homemade soap! You will be learning from a master soap maker who teaches soap making classes, soap demonstrations, soap workshops and more throughout the southeast USA! You can, even, see soap science and saponification in progress by watching a clip from a soap making DVD! This DVD has step-by-step, easy, soap making instructions! You can learn an abundance of soap making information!

Before you begin making homemade soap, stop, and take time to learn the science facts. Learning science definitions can be your starting point for learning how to make soap! Get started! Have fun making your very own homemade soap!

Crisis Management Technology Big Brother saving lives

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We all like to think that we are never going to be involved in a crisis or any scenario where risk is running high. Unfortunately for some, their day-to-day jobs involve encountering risk and putting their lives at risk for the good of others.

Very often, working in high risk environments can be difficult, especially if its on foreign soil. Not knowing your surroundings and working with people from different cultures can often be very stressful work. This is where GPS technology can help.

GPS Technology utilises a network of satellites orbiting earth to send and transmit signals back to devices on the ground, at sea and in the air. Satellite technology is ideal for people working in remote locations as it doesnt rely on cell towers and the signal is transmitted directly to the satellite from the device. In certain circumstances, i.e. in a dense forest or built up city area the signal may falter a little but at sea, in the air or on the ground it is usually a very reliable technology and helps teams in situations liaise with central management teams regarding locations, risk and general communication.

The areas of high impact when it comes to Crisis Management technology are places like the 3rd world countries. These countries often span a vast area of expansive land and aid workers travel from village to village trying make sure inhabitants get what they need to survive. Naturally, as people try to do good others will try to hijack this work for their own needs.

This is a perfect example of where Crisis Management technology can help. Not only do the central teams know the exact location of the convoys but they can also advise of, and how to avoid, potential risk situations by using the GPS technology at hand, both by tracking and communicating those on the ground.

With GPS Technology is easy for central teams to deploy backup to the exact location of a situation. It enables teams to be responsive with accurate information, which ultimately saves lives and allows for critical missions to succeed.

Trimble is establishing SITECH Technology Dealers in the Americas, Europe and Asia Pacific regions by Strathclyde and Associates

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Strathclyde Associates Trading and Management Construction Company News: Trimble has announced today that a SITECH Technology Dealer has been established to serve contractors in Florida, Georgia and Alabama. SITECH South East joins the network of SITECH dealerships – the first fully dedicated global distribution network offering the most comprehensive portfolio of construction technology systems available to the heavy and highway contractor.

SITECH Technology Dealers represent Trimble machine control systems for the contractor’s entire fleet of heavy equipment regardless of machine brand, along with Trimble’s portfolio of Connected Site(TM) solutions–site positioning systems, construction asset management services, software and powerful wireless and Internet-based site communications infrastructure.

Strathclyde Associates Trading and Management Construction Company News: The experienced construction professionals at each SITECH Technology Dealership can advise contractors on the appropriate construction technology solutions to utilize, and can provide high-quality local customer service, personalized training and technical support. As authorized dealers for Trimble site-wide solutions, the SITECH Technology Dealers understand how to apply innovative construction technology to help solve a variety of contractors’ construction challenges. Leveraging technology, contractors can gain greater insight into their operations, enabling them to lower operating costs and improve accuracy, safety and productivity.

Through the adoption of construction technology, contractors can experience new levels of productivity that enable more competitive bidding on projects. SITECH Technology Dealers offer the most advanced and complete set of tools to revolutionize the construction workflow.

Strathclyde Associates Trading and Management Construction Company News: Trimble is establishing SITECH Technology Dealers in the Americas, Europe and Asia / Pacific regions. SITECH South East will serve heavy and highway contractors throughout the states of Florida, Georgia and Alabama involved in a range of earthmoving applications such as the construction of roads, highways, railways and airports as well as site prep for large commercial, industrial and residential projects.

SITECH South East was formed by Southern Precision, Inc. (SPI) and Trimble.

Strathclyde Associates Construction Management: Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.

The New Technologies of Flex Pod

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The agencies which are responsible for deploying new technologies to deal with heavy workloads have to look for latest inventions everyday to carry on their work smoothly. Their main headache is handling with big data, high performance computing and video analytics. FlexPod Select is specially designed to support huge workload. Flex Pod Select with Hadoop is the first set of reference designs which are preconfigured, validated solutions which is a rare combination of storage, networking and servers. The integration with Hadoop provides an open framework which is capable of processing huge amounts of data. The main target is to meet the requirements of dealing with huge data. This finds application in both government and private sector. Financial services, retail manufacturing and other markets are easily able to deploy this technology and can be kept on upgrading, as the size of the company grows.

The components of FlexPod Select components include NetApp E-Series and FAS storage systems, Cisco Unified Computing System servers and fabric interconnect and Cisco Nexus fabric extender. It is better to combine the NetApp with Cisco for infrastructural support and Clodera or Hortonworks for Hadoop support. This gives access to the users to technical support on all interoperable technologies. With the use of Cisco and NetApp the Flex pod services are expanding further to make the infrastructure in the data center more responsive to the ever changing uses of applications within organizations. New designs and capabilities are offered across the entire portfolio. The companies have also highlighted the invention of the Datacenter with SnapProtect to provide a wide-ranging disk-to-disk-to-tape backup and recovery solution. The Datacenter is a pre-validated solution, which has in store the combination of storage, networking and server components and can integrate them into a single flexible architecture, specially designed for huge workloads. The speed is fast and sometimes is even applicable for critical business applications. The costs are reduced and risk is minimized. Increased flexibility can also be achieved with the help of this technology. The greatest application of this technology is to deal with a variety of workloads in both virtualized and non-virtualized environments. The new Express technology is specially designed for medium organizations.

The management of FlexPod is very simple with the help of best element managers, combination of some of the most reliable partners and virtualization management console. Cisco Unified Computing System Manager tools helps in the optimization of multivendor environment. On Command software controls and helps in the automation of the data storage infrastructure. They also provide embedded management of the servers and the network components. Numerous resources for many virtual machines can be managed.

Technology For Women And What It Can Offer Us

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The colour pink is often associated with women as more often than not, women look good in pink. Women who have great fashion senses are often eye catching and you may well have noticed that a woman’s fashion sense has begun to extend towards the gadgets that they carry. The rise of feminine technology has been growing steadily and is about to hit a crest. When you say feminine technology what is the first thing that comes to your mind? Pink gadgets!

Since the colour pink has long been associated with women, it doesn’t come as a surprise to see pink mobile phones, pink digital cameras, and pink laptops, among others that can be considered as part of feminine technology. Pink is a dainty colour, eye-candy if you like. Given the choice, fashionable women tend to want to carry trendy gadgets to veer away from the more macho-looking laptops or cellular phones. Women now find it tempting to have a pink gadget, like a pink laptop, to showcase their love for beauty. Most women are aware that most men find a woman to be more feminine if they are wearing something pink, and i have to admit there is something appealing about a confident women seen doing some work on a pink feminine laptop or making a business call with a pink mobile phone.

Technology need not be boring and with the advent of feminine technology, pink and all the other girly colours have become the in thing. Pink may be a favourite, but red is also becoming popular, as well as lavender or pastel colours. You will even see laptops that have designs on it; often utilising many different shades of pink or other feminine colours.

Wouldn’t it be great to take snapshots using your pink digital camera? You will now find digital cameras, mobile phones, and laptops in various shades of pink and as well as other girly colours so finding one that suits your personality is no longer the challenge that it once was. However do not, for a second, think that gadgets with a touch of femininity are lacking in the features or power department. A lot of popular brands now carry fashionable designs but still with the exact same technology and features as more masculine looking gadgets.

This is true especially for laptops. Pink laptops may look dainty and beautiful yet you can be sure that you can still surf the net with ease and do some office or school work simultaneously without having your workflow slowed by unresponsive technology. It is just as important to take note that when you shop for a gadget that will showcase your feminine side, make sure that you check the features as well as the prices first before settling with one particular unit.

So when you talk of feminine technology, it is not only about trends and beauty, functionality is also a must have and one that manufacturers are increasingly more aware of.

What are the business benefits of NFC mobile phone technology

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Near Field Communications, or NFC, is a new technology with unlimited applications.

NFC uses RFID technology built in to the latest generation of mobile phones to scan or swipe small RFID tags, which can be placed just about anywhere. Tags can be programmed to trigger different actions when they are swiped by phones.

Many businesses or organisations have field based operations that need managing in real time. NFC technology gives these businesses leading edge management capability.

NFC can be used in a diverse array of industries with mobile staff, mobile assets, or multiple sites and locations. Because NFC technology uses readily available NFC enabled mobile phones and inexpensive tags, it can be applied anywhere, and by any type of field personnel.

The key benefits of NFC technology for businesses with a field based operation include:

1. NFC is Easy to Use

Using NFC technology is so simple, it’s accessible to just about anyone.

All that’s needed to run NFC operations in the field are RFID tags which can be situated in key locations, and NFC-enabled mobile phones.

For field operations staff, using Over-C NFC technology is simplicity itself. Just tough a tag with a phone, and that’s it. An automated NFC management system then does the rest, recording the time and location of staff, and sending them any special information or data they may need on their NFC enabled mobile phone.

2. NFC Improves Communication

NFC is an extremely effective way of improving two way communications between managers and their staff in the field.

Whenever a field operative touches an NFC tag with their mobile phone the operational management team receive an instant and verifiable confirmation of the location of field staff. Field staff can benefit from automated reporting, which saves time and improves accuracy.

3. NFC Enables Real Time Management

NFC technology lets businesses operate and respond in real time.

When an NFC tag is touched by a mobile phone, notification is in seconds, so operations managers always know exactly where their field personnel are, and what they are doing.

NFC allows businesses to streamline the way people work at, and report from, remote locations. It also allows field based personnel to focus on what they do best, whilst managers benefit from greater visibility in field operations.

4. NFC Improves Customer Service

NFC technology actively helps businesses to deliver enhanced customer service.

Data reporting by field operations staff becomes faster, more efficient and more accurate.

Field operations managers can use this real time data to generate customer reports and measure results faster than ever before – and faster than their competitors.

In fact, using NFC technology in a business can give it a commercial edge to help it gain and retain high value clients.

New Technologies in Finance Joseph Wilk on Banking Technology

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Joseph Wilk, credit card and debit card transaction specialist and owner of Millennium Merchant Services, has seen rapid changes in the credit card processing industry recently. Joseph Wilk works primarily with countertop credit and debit processing terminals, wireless satellite terminals, and electronic check readers, but these are only the tip of the iceberg when it comes to financial technology. Companies around the world are working to take finance related practices digital and to mainstream those technologies.

Currently, financial companies are jumping to adopt digital wallet technologies. Digital wallets, Joseph Wilk NJ explains, can be used both to purchase items online and in stores. They also can serve as verification devices in situations where identification is needed, such as when purchasing alcohol. Digital wallets can best be understood as multi-part systems, consisting of an individual device, an application that is run on it, and the supporting infrastructure. Joseph Wilk knows that the devices that support digital wallets are often things like smart phones. Various digital wallets are currently being marketed by Visa, Apple, MasterCard, PayPal, and others. Consumers are so far less eager than banks to adopt this new technology, although one does sometimes see someone paying for a product by using a phone.

Digital check guarantee and conversion through the use of electronic check readers is a form of technology of which Joseph Wilk NJ is much more certain. Also known as remote deposit, these check readers allow a check to be electronically scanned and deposited into any checking account. This process was hesitantly adopted and only made legal in 2004 through what is known at the Check 21 act. After a slow start, remote deposit is frequently used by businesses today with the wide availability of digital check scanning technology.

Joseph Wilk NJ knows that, with all of the changes going on in digital banking, banks are looking for ways to keep their customers safer. Citibank, for examples, has replaced the magnetic strip on its cards with a smart chip for increased security. Most banks devote a significant amount of their web presence to addressing security concerns. The has government even stepped in, requiring that banks use a two-step authentication process to verify online banking log-ins. Banks also largely use a process of encryption or scrambling any time there is a transfer of personal or financial data. With banking rated as the second most common activity performed online, it is critical to take extra security steps.

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Water Science Fair Projects

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The phrase Go Green means different things to different people. Some people have taken this idea and recycle everything they possibly can in order to keep trash out of the landfills. They also realize that not recycling is wasting products that can be reused. Other have taken the phrase and changed all their light bulbs to compact fluorescents in order to save energy. There are other people who have purchases hybrid cars or starting riding bikes to school and work in order to cut down on carbon emissions. There are literally hundreds of different ways to Go Green in our every day lives, and people are finally getting on board with it. Students have even taken up the challenge with their water science fair projects. Some of the latest submissions to these events are water science fair projects with a focus on the philosophy of Go Green.

Water science fair projects are particularly well suited to the environmental movements occurring today. Much of the concern for the environment by governmental and private eco groups is for the health of our water supply. Water science fair projects can focus on many different aspects of this concern. One area is the need for potable water in many areas of the world. What we take for granted that just comes out of the pipes in our homes is a rare commodity in many parts of the world. In developing nations the lack of clean drinking water is on the top of the list, and for good reason. Nothing survives without water. A students water science fair project just may have the answers for this critical life-threatening problem.

Another area the students focus on with their water science fair projects is the negative effect of pollution. This is particularly suited for demonstration purposes at science fairs. While all are familiar with the disastrous effects of ecological tragedies such as oil spills, less is known about the long-term effects of other types of pollution. This is one area a student may explore with their water science fair project. An additional area of concern lately is the health of the fresh water rivers of the world. Students are also taking these larger issues, researching them, and presenting their findings for their water science fair projects.