techno15

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 However, you dont have to settle for this outdated and inaccurate system any more.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 While your friends potter along with outdated insurance policies with off-the-rack premiums, you can have a custom tailored premium that only charges for the real risk you face as a driver and customer.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

techno17

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.

techno14

Electronics Gadgets For Idiots Four G Technology

For somebody who’s a techie, 4G is something you ought to already be familiar with. However, if you’re not one of those who’s fond of electronic gadgets, you should know that there’s more to 4G than meets the eye.

4G is commonly referred to as beyond 3G, a fourth generation wireless technology equipped with a more comprehensive and secured Internet Protocol. It is well-known to provide users with higher speed and better quality anytime, anywhere. It’s packed with better features compared to its predecessors.

Contrary to what others may suppose, 4G is not limited to mobile phones alone but also in computers. If you’re someone who’s fond of watching videos online, you’ll find that 4G provides high definition videos regardless of your whereabouts. You can surf the World Wide Web faster using any web-enabled devices you have by connecting them to the 4G modem. You can chat with your friends faster, hear their voices clearer and monitor their cams with no pauses and disruptions. You can also share pictures and videos without too much hassle. In case you’re going out, you can still use your mobile to surf the net with 4G mobile technology.

So why is 4G highly regarded than 3G or other types of mobile phone network? We are living in a high-tech world where additional technological innovations are discovered almost everyday. 4G happens to be one of the most advanced and recent mobile phone networks in today’s age. It is the network of choice by many since it is very accessible. It also has a very high data rate amounting to 100 Mbps and a very extensive bandwidth capacity which added networks fail to provide.

There are pitfalls though. The main one is that as a cutting edge technology there is likely to be very few places that actually have a 4G network in position.

Chances are it is used first in highly urbanized areas before it spreads out to rural areas. To remedy this problem, various companies set 4G hotspot areas where users can go to and use it free of charge. In some cases, there are computers which aren’t applicable with 4G since it’s engineered for Windows.

Today, almost all kinds of cell phones are suitable for 4G. Nevertheless, many techies believe that smart phones are the best because of their quality digital cameras. Others use T-mobile and iPhones which are likewise 4G compatible devices. Another concern will be the price. You can have these gadgets with or without 4G contract. A device with a 4G contract is cheaper with price starting at 199 to 299 US Dollars while those without a contract can cost you 599 to 699 US Dollars.

Switching to 4G is a good option you can make especially if you’re someone who’s into the latest technological craze and doesn’t want to be left behind. With so many features it offers, 4G is certain to change the way you look at technology.

techno15

How is 3D printing technology used in Architecture and Medicine

D printing technology is used to manufacture prototypes, tools, and end-user parts directly from a CAD design. This printing technology offers unprecedented flexibility as it can create a part of any dimension out of any material. Some of the 3d printing materials used include metals, polymers, ceramics, composites, and many more. The 3D printing technology has complete control over material composition, surface texture, and micro-structure of the prototype. 3D printing technology also allows the user to construct prototypes using two different materials. >

Lets take a look at this amazing technology and how it has affected the field of architecture and medicine:

3D printing for Architecture

Architects know that there is nothing like a physical model of a building when it comes to displaying their work or design concept. Physical models also play an important role when it comes to explaining and convincing the customer while selling a project.

3D printers are affordable and high quality solutions for architects. Building a physical model requires great deal of expertise, precision, and time. 3D printing machines help designers focus on their building design, while the devices make 3D models of the project.

Many architects are not tech-savvy and are not used to operating complex devices. 3D printers do not require human intervention at any stage of the printing process. Architects just need to need to draw a CAD diagram of the project and instruct the 3D printer to build a 3D model. The 3D printer can print the model within a few hours, which can then be presented to the client.

3D printers are capable of producing of 3D models with accuracy and speed without compromising on the finer details of the architectural project. The price of desktop 3D printing machines is not that high and independent architects can also afford them.

3D printing for Medicine

The application of 3D printing technology can also be found in the production of medical devices. There are different 3D printing materials available that can be used to build real parts. For example, manufacturing hearing aids is a complex process because they are custom-fit devices and cannot be mass produced. 3D printing greatly helps in such matters where medical devices need to custom-fit a patient.

The future of the 3D printing technology is very bright. Market experts state that 3D printing technology will be affordable to the masses by the next decade. The prices of 3D printing devices are falling rapidly, and it is believed that the prices of 3D printers will drop by as much as 80% in the next 5-10 years. It will not be a surprise to see 3D printing devices in each household just like refrigerators, washing machines, and televisions.

techno14

Benefits Of Fax Over IP Technology In Small Businesses

Voice over Internet protocol (VoIP) technology has become standard in many offices and storefronts. It provides higher bandwidth and better capabilities than traditional phone lines. Faxing has changed because of the introduction of VoIP technology. Traditional fax machines that used modulated sound to transmit data are being replaced by software-based digital systems. Small businesses can benefit in a number of ways by switching to fax over IP technology.

Reliability

One of the ways fax over IP can help a small business is by improving the reliability of transmissions. Traditional faxes rely on signal modulation to send and receive data. Inconsistencies in the telephone lines, minor hardware issues and even different fax machines can cause these transmissions to fail or to become corrupted. The fax over IP technology is digital and the data has a very low to non-existent chance of loss. This makes digital faxes far more reliable.

Lower Costs

Fax over VoIP will save small businesses money over traditional faxing technologies. VoIP protocols can be sent across any network line. They can also be interpreted by a wide range of technologies from computers to multifunction printers and even mobile devices. This makes it unnecessary to maintain dedicated phone lines. It also decouples faxing from older fax machines that require constant maintenance, paper and toner.

Environmentally Friendly

Sending fax over VOIP in a network through a line can be done completely electronically. Small businesses do not need to feed a paper printout of an invoice or report into a machine. Similarly, faxes that have been received do not need to be printed immediately or at all. Sending and receiving faxes can be done through a software interface. Faxes can be sent and received as digital files that are viewed on computer screens or mobile devices. This allows a small business to be more environmentally friendly without having to sacrifice the convenience of faxing.

Better Access for Employees

The traditional way of sending faxes involved loading a machine, dialing a number and then waiting for a confirmation. This is time consuming and inefficient especially when multiple people need to send a fax. Fax over IP technology makes it possible for employees to send faxes seamlessly from a desktop or other device. The fax can be added as a network device similar to a printer. Employees can simply send documents to the fax from within different programs.

Higher Quality Faxes

A large benefit for modern businesses is higher quality faxes. Fax over IP can encode documents created digitally. There are no scanning or resolution issues. People who receive the fax will see the document exactly as it was created. This can make it easier to send documents that include detailed charts, small graphics or complex illustrations. The individual pixel will not run together and become illegible because of issues with an optical scanner at the last minute.

techno11

The Law of Attraction and The Science of Getting Rich

The Law of Attraction reveals the Secret to Everything you’ve ever wanted. Ever since the world found out about the Law of Attraction through the phenomenon of the movie, people from every corner of the globe have been asking Bob Proctor for more. Millions of people are already using the Law of Attraction to make their lives successful. It’s no longer a secret, but a household term that is rightfully being given the attention it deserves. Anybody can learn how to use the “Law of Attraction” to create whatever one wants in life – be it money, love or happiness – and generate abundance.

Everything that’s coming into your life you are attracting into your life. And it’s attracted by virtue of the images you’re holding in your mind. It’s what you’re thinking. Whatever is going on in your mind you are attracting to you. If you don’t like the results in your life, you need to change your thoughts. That’s ALL that the Law of Attraction is about. But If the Law of Attraction is as simple as that, why arent more people wealthy, even gratified about the state their lives are in?

The Answer is a Simple One. There is an Exact Science to Applying the Law of Attraction to Build the Life You Seek. This Exact Science is called The Science of Getting Rich. The Law of Attraction as explained in “The Secret” movie, and even in much greater detail in The Science of Getting Rich Program, will teach you whatever it is that you may want or need to manifest in your life.

The Science of Getting Rich was first introduced in 1910 when Wallace D. Wattles released his book by the same title that was the inspiration for the film “The Secret”. What is the Science of Getting Rich about? Well in the words of Wallace D. Wattles, “The ownership of money and property comes as a result of doing things in a certain way. Those who do things in this certain way, whether on purpose or accidentally, get rich. Therefore, any man or woman who learns how to do things in this certain way will eventually get rich.” The Secret Science of Getting Rich Seminar is all about teaching you how to do things in this “certain” way to create wealth.

In the Science of Getting Rich seminar – Bob Proctor and Jack Canfield, two of the teachers in the secret, will personally guide you to develop the mind-set of the wealthy. Bob Proctor and Jack Canfield have taken this Science into a Whole New Era. This is What everybody have been Waiting for, Exact Instruction on How To Work with The Law of Attraction! Anybody can now start from today to replace what you don’t want by Attracting what you DO WANT. Here is now a step-by-step instructions showing you how to begin applying the Law of Attraction in your daily life — How to move beyond the theory into action.

techno

Two Oled Technologies Amoled And Pmoled

OLED is a new technology that can make thin, efficient and bright displays. OLEDs are made from organic light-emitting materials, and OLEDs do not require any backlight and filtering systems that are used in LCDs. So OLEDs are more simple to make and actually can be made flexible and transparent as well. OLEDs are also very efficient, and companies are working towards OLED lighting – an OLED “lightbulb” will be efficient and thin, opening the way for great new lighting designs.

There are two types of OLEDs used in displays – PMOLED and AMOLED. The difference is in the driving electronics – it can be either Passive Matrix (PM) or Active Matrix (AM).

With Passive-Matrix OLEDs, the display is controlled by switching on rows and columns. When you turn on row number x and column number y, the pixel at the intersection is lit – and emits light. Each time you can choose just one pixel to light. So you have to turn these on and off very quickly. You do so in a certain sequence, and create the desired image. This is somewhat like the interlace-system used in old CRTs, but the control is done pixel-by-pixel.

PMOLEDs are very easy and cheap to build, but they are limited to small sizes (up to 3″, typically). The image displaying is a bit complicated (because of the row/column method). Also the power consumption is not as good as AMOLEDs.

AMOLEDs have a different driver electronics – each pixel is controlled directly. AMOLEDs are more expensive, and much more difficult to create, but can be used for larger displays (current prototypes are up to 40″) and are very power efficient.

The first OLED products in the market used PMOLEDs – these were MP3 players, sub-displays on cellphones and radio decks for automobiles. The displays were small and usually with just one or two colors. When AMOLED panels started to emerge in 2007 and 2008 we have seen these larger displays in mobile video players, digital cameras, mobile phones main displays and even OLED TVs.

PMOLEDs are still very popular – there are more MP3 player sold today with PMOLED than with LCDs. But for larger displays, AMOLED is the best technology, and is growing much more quickly than PMOLED displays. Obviously for larger displays, such as TV, laptop monitors or PDAs, AMOLED is the only choice.

Today there are several companies that are working on technologies that actually close the gap between PMOLEDs and AMOLEDs – offering a sort of hybrid system. The promise is that these displays will be both easy to make and allow power efficient larger displays. We still have to wait and see whether these technologies actually work on commercial displays. One such technology is Dialog’s SmartXtend.

techno16

Forensics vs Forensic Science

If you bring up forensics in a conversation, those involved will often start thinking of scenes from the television show CSI (Crime Scene Investigation). It’s synonymous with scouring crime scenes for minute clues to help criminal investigators create leads in various cases.

Because of the misunderstanding that’s developed about criminal investigations and forensics, many don’t realize that there is an acute difference between forensics and forensic science.

Currently, forensic science gets shortened in most discussions to “forensics.” The word “forensic” actually relates to debates, and comes from the Latin word “forensis” or “of or before the forum.” This concept became most prominent in ancient Rome where both the accused and the accuser involved in a judicial case had to advance their arguments in front of a public forum. This led to the usage of the term “forensics” for both public debate and the presentation of legal evidence.

This concept of “evidence” is what has caused it to run parallel and merge with forensic science. As the judicial system evolved, so, too, did the evidence that was required in cases. No longer was it a matter of verbal debate; instead other forms of evidence were necessary. The concept, that being “forensic” or “before the forum” still holds true. The only thing that has changed is the type of evidence that’s being presented.

While some modern dictionaries will actually merge the two and provide similar or identical definitions, they are quite separate by origin and practical application.

The term forensics refers to public debate which includes the presentation of evidence and rhetoric. Forensic Science is something different. It deals specifically with the gathering, identification, research, and scientific interpretation of evidence to determine such things as who was involved in a crime.

In addition to confusing the terms forensics and forensic science, people often mistake forensic science for criminalistics. However, it’s important to keep these terms in context too. Forensic science involves any discipline that can be applied to evidence. Criminalistics is just one of the subdivisions of forensic science.

Some of the disciplines that fall under the umbrella of “forensic science” are:

-Computer Forensics -Forensic Accounting -Forensic Audio Engineering -Forensic Linguistics -Forensic Pathology -Forensic Psychology -Forensic Engineering -Criminalistics

Criminalistics itself is the scientific discipline which brings together various natural sciences such as biology and chemistry to the examination, identification, and comparison of certain types of evidence. Criminalists deal with biological evidence including DNA and bodily fluids, trace evidence such as fibers, hair, and soil, and impression evidence such as fingerprints and tire tracks. They also are involved with ballistics, drug analysis, crime scene photography and reconstruction.

As you can see, the forensic sciences deal specifically with the research and examination of evidence so that such evidence can be admitted to and used within the legal system. Forensics on the other hand should be viewed not as the science behind the evidence, but as the presentation and use of the research once it’s completed.

techno

Science and Health Scientist Addresses Cancer Concerns Related to Atrazine

Elizabeth Whelan, President of the American Council on Science and Health (ACSH) posted a great entry on ACSHs Health Facts and Fears blog on the growing attempts by activist groups to convince the EPA to ban atrazine due to cancer claims and other health concerns.

Atrazine is one of the most widely used herbicides in the world. It helps farmers fight weeds on corn, sugar cane and other crops, leading to dramatic increases in crop yields. Without it, our food supply would be in jeopardy. Activists want the public to believe that atrazine causes cancer and birth defects, but its simply not true. Whelan writes:

“Atrazines health and safety record is stellar. The Safe Drinking Water Act requires monitoring for a multitude of chemicals, including atrazine. Levels of atrazine in U.S. waters are well within the federal lifetime drinking water standard a level containing a 1,000-fold safety buffer. The Environmental Protection Agency in 2006 completed a 12-year review involving 60,000 different studies and concluded that the current use of atrazine poses “no harm” to the general population infants, children and adults. According to this same regulatory agency (which oversees pesticide use) atrazine is “one of the most closely examined pesticides in the marketplace.”

Whelan points out that many activists are not willing to accept this assessment and were able to cast doubts upon the issue with the EPA. As a result, last fall the EPA announced it would initiate a re-re-re-evaluation of atrazine and health. These activists will not be happy until the EPA bans this herbicide, which would then open the door for activists to attack more chemicals, claiming they are unsafe.

Finally, Whelan points to the media for “scaring” the public into thinking that these “chemicals” are unsafe and that the manner in which they are evaluated should be changed:

“Many of the recent media chemical scares, like the two hour “toxic” presentation on CNN, argue that a) there are tens of thousands of “chemicals” out there; and b) the current government policy, assuming these chemicals are safe until contrary evidence was presented, must be reversed so that a chemical is considered hazardous until it is “proven safe.” But how do you prove something to be safe? Its like trying to prove a negative it cant be done. The example of atrazine with decades of safe use, thousands of studies that found no harm to humans and years of getting a green light from EPA (which is not known for understating chemical risks) leaves us with the question: After all these evaluations and years of use, if atrazine doesnt meet the criteria for “safety,” what chemical possibly could?”

techno11

What are the business benefits of NFC mobile phone technology

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.