#130910

[tanniefiles]

BTS 130910

[btstwtarchive]

130910 [Text] 오늘 #신인왕방탄소년단 요리대결은 잘 보셨나요?^ㅁ^ 상상하는 그 이상의 맛을 보여준 방탄소년들의 음식들! 그 음식들이 창조(?)되는 과정을 보러가요 ☞ [Trans] Did you enjoy today's #RookieKingBTS cooking contest? BTS' food that showed more than you can imagine! Let's go see how those foods were created☞

ARMY NOTES -Facebook photo album

[zuny]

© lc__ashley

[cowgodmoo]

BTS Rookie King (all episodes)

130903 - bts rookie king: channel bangtan ep. 1 LINK

130910 - bts rookie king: channel bangtan ep. 2 LINK

130917 - bts rookie king: channel bangtan ep. 3 LINK

130924 - bts rookie king: channel bangtan ep. 4 LINK

131001 - bts rookie king: channel bangtan ep. 5 LINK

131008 - bts rookie king: channel bangtan ep. 6 LINK

131015 - bts rookie king: channel bangtan ep. 7 LINK

131022 - bts rookie king: channel bangtan ep. 8 LINK

[dr-alex-zarifis]

Why is Tesla selling insurance and what does it mean for drivers?

Re-published under Creative Commons license, originally published in ‘The Conversation’: https://theconversation.com/why-is-tesla-selling-insurance-and-what-does-it-mean-for-drivers-130910

In the past year, Elon Musk and Tesla have fascinated the world with new innovations like the Tesla Cybertruck. There is excitement about most new Tesla products, but one hugely important one has been largely overlooked. With far less fanfare and no stage performance by Musk, Tesla started offering car insurance last September. In the long run, this is going to have a major impact on most of our lives – perhaps even greater than Tesla’s more eye-catching innovations.

Tesla Insurance is only available for Tesla vehicles in some states of the US at present. It will expand the number of territories gradually over time. But as with the Tesla Cybertruck, the company first wants to see how the business holds up to whatever is thrown at it and whether it cracks under pressure.

For those eligible for Tesla Insurance, the company claims to offer premiums 20% to 30% lower than rivals. Yet even if you are in an area where you can request a quote, Tesla won’t necessarily make you an offer. It sometimes still refers drivers to a traditional insurance partner instead. It may be that Tesla chooses the clearer, less risky cases and sends more complex ones to insurers with more experience and appetite to handle them.

So why is Tesla selling car insurance? For one thing, it has the real-time data from all its drivers’ behaviour and the performance of its vehicle technology, including camera recordings and sensor readings, so it can estimate the risk of accidents and repair costs accurately. This reliance on data may well mean it never branches into selling insurance to drivers of other manufacturers’ cars.

At the moment, Tesla is offering insurance premiums calculated with aggregated anonymous data. In future it could roll out more customised services, like the ones offered by insurers using telematic black boxes, to offer drivers (cheaper) quotes based on how they actually drive.

Every time there is an accident, Tesla has instant access to data about the driver behaviour that led to it. One attraction for the company is that it can evaluate how some of its technologies, like autopilot, stability control, anti-theft systems and bullet-resistant steel, can reduce risk.

Another motivation for Tesla is that some insurers charge a relatively high premium for Tesla cars. One reason is that they still don’t have much historic information about the cost of repairs of electric vehicles. By vertically integrating insurance into its offering, Tesla brings down the price of owning its products.

At the same time, insurance is a barrier to many innovations that Tesla is targeting for the future. With the insurance taken care of, it will be easier to sell self-driving vehicles or send people to Mars (with sister company SpaceX). Like many things Elon Musk does, this both solves a short-term problem and fits the longer-term strategy. It’s a little like how Tesla focused on producing luxury vehicles first to finance the infrastructure for selling cheaper cars like the Tesla Model 3.

How insurance is changing

Tesla has one more reason for offering insurance, which is that the sector is changing: a tech company disrupting it fits the zeitgeist perfectly. My research at Loughborough University has looked into this disruption. I evaluated 32 insurance providers around the world including Tesla and found that artificial intelligence, big data, the internet of things, blockchain and edge computing were all rewiring insurance, both literally and metaphorically.

Broadly speaking, the work of the insurer is shifting from local human expert underwriters to automation driven by big data and AI. The existing industry players that I evaluated essentially fell into three categories. Some had recognised they cannot compete with tech companies. They were focusing on interacting with customers, branding and marketing, while outsourcing everything else to companies with the relevant skills.

Other insurers were trying to add new technologies to their existing business model. For instance, some are using chatbots that apply machine learning and natural language processing to offer live customer support. Yet another group had more fully embraced the new technological capabilities. For example, life insurers like Vitality and Bupa now encourage customers to use wearable monitoring devices to offer them guidance on improving their health and avoiding accidents.

Alongside all these were the new breed of insurers, with Tesla perhaps the best example. Others include Chinese giants Alibaba and Tencent. Just like Apple and Google are making incursions into banking and finance, these are tech-savvy companies with many existing customers who are adding insurance to their portfolio of services. In every case, the capabilities of AI and big data-driven automation have acted as a catalyst.

What it means for drivers

In the short term, Tesla drivers can look forward to insurance that is arguably more seamless and convenient and may well be cheaper – particularly if they clock up fewer miles and drive safely. (Drivers should still compare prices with other insurers: the likes of Progressive and GEICO are among those that insure Tesla vehicles.)

In the longer term, this is a sign that insurance – like banking, road tax and many services – will be driven by real-time data. It will probably change our behaviour for the better. We will probably drive slower, eat healthier food and exercise more – even if libertarians will be uneasy.

This shift will challenge our attitudes towards personal information privacy. Some of us will value the benefits of being open and transparent with our personal information, while others might seek solutions that keep their data with them. Edge computing has potential here, since it allows some data processing to be done on your device so that your personal data doesn’t need to be sent to a central server.

So Tesla and Elon Musk have not just added another revenue stream to their many successful endeavours. They are also helping to fundamentally change the way that we interact with insurance providers. In the future, insurers will be more like a partner on our journey both by car and on foot – both on Earth and beyond.

[heyyouknowbts]

BTS Content Watchlist: June-September 2013

This list includes official fan content, member logs, and variety show appearances.

Master post: BTS Content Watchlist

June 2013

130612 [EPISODE] 2 COOL 4 SKOOL debut single jacket photo shooting

130612 [EPISODE] 2 COOL 4 SKOOL debut single MV shooting

130616 BTS' Log

130618 Suga's Log

130619 [BANGTAN BOMB] VJ Jungkook

130619 Jimin and V's Log

130620 [BANGTAN BOMB] Syub and Jin and Kook’s Exciting Dance Moves

130620 Jimin and Jungkook's Log

130621 Rap Monster's Log

130623 [BANGTAN BOMB] First time meeting the infrared camera

130624 [EPISODE] BTS Debut Day

130625 [BANGTAN BOMB] What does BTS do when they're sick?

130628 Jin's Log

130630 [BANGTAN BOMB] A game Bangtan plays in the dressing room

July 2013

130701 비눗방울 세계에 온 걸 환영하네

130701 [BANGTAN BOMB] Jimin's Rap

130702[EPISODE] Like Showcase Sketch

130702 Rap Monster's log

130703 Suga's log

130704 [BANGTAN BOMB] Tom and Jerry Suga and Jimin and Jin

130704 [BANGTAN BOMB] Jungkook "It's hot right"

130704 J-Hope's log

130707 [BANGTAN BOMB] VJ Jin Debut

130707 [BANGTAN BOMB] Kind and Big Lion Styling

130708 [BANGTAN BOMB] Cool Spray

130710 V's log

130713 [BANGTAN BOMB] Jungkook wants to eat a donut

130713 Jin's log

130714 [BANGTAN BOMB] Jin's aegyo

130718 [BANGTAN BOMB] V's glasses

130718 Jungkook's Log (ft Jimin and V)

130719 [BANGTAN BOMB] The happening in Changwon 1: Watermelon

130719 [BANGTAN BOMB] The happening in Changwon 2: Ice cream match

130722 [BANGTAN BOMB] Jungkook drawing 'I like it'

130722 V's Log

130723 Jimin's log

130724 [BANGTAN BOMB] Jimin's see-through sleeveless shirt

130724 Rap Monster's log

130725 [BANGTAN BOMB] Tae Magazine News

130726 Jin and Jimin's log

130728 Suga's 2 Cool 4 Skool album review

130728 J-Hope's log

130729 [BANGTAN BOMB] V's hard dance practice

130731 [BANGTAN BOMB] VJ Jin is back

August 2013

130805 [BANGTAN BOMB] Eye contact with Jin

130805 [BANGTAN BOMB] Jimin's tumbling skill

130806 [BANGTAN BOMB] Jungkook's sight

130807 Suga's log

130811 [BANGTAN BOMB] Suga with basketball

130812 [BANGTAN BOMB] Singing Born Singer

130814 [BANGTAN BOMB] BTS with helium-filled balloon

130815 [BANGTAN BOMB] Jimin is really older than Jungkook

130816 Jungkook's log

130817 [BANGTAN BOMB] QA time in yellow Post-It room

130818 BTS like [BANGTAN BOMB] BAAAM of Dynamic Duo

130819 [BANGTAN BOMB] BTS dance time

130821 [BANGTAN BOMB] J-Hope and Jungkook are Rappers

130822 [BANGTAN BOMB] Sleeping beau...ty!

130822 V's log

130823 Jimin's log

130825 Rap Monster's log

130829 J-Hope's log

September 2013

130903 Rookie King 1

130904 Jin's log

130907 Rap Monster and Jungkook's log

130908 J-hope and V's log

130909 Jimin's log

130910 Rookie King 2

130911 [EPISODE] N.O MV Shooting

130911 [EPISODE] O! RUL8,2? Jacket Shooting

130917 Rookie King 3

130917 [EPISODE] Surprise Birthday Party for Jungkook

130920 [BTS Kkul (Honey) FM 06.13] Congratulation of BTS 100 days

130924 Rookie King 4 - lots of translation missing in the 2nd part :\ you can find this whole series subbed in HD on Viki (paid sub service).

130925 After School Club 24

130926 [BANGTAN BOMB] 1st Mini Album Comeback Feeling

130928 [BANGTAN BOMB] Concept trailer practice

Let me know if a link isn’t working, or if you find something I missed! My ask box is always open, anon or not 💜💜💜

[fykadi]

130910 Boy Who Cried Wolf store photo

Credit: baikeroom

[ugh-bangtan]

[taeminrecuerdos]

10.09.2013

Retransmisión de la entrevista a SHINee para el programa MTV JKPOP 'Here Come's Super Star (巨星來報到)'.

🔗📂 Descargar

[keytv]

💌 keystagram update:

130910 @bumkeyk: #nwh91 #bumkeyk same hotel w

[tanniefiles]

TAEHYUNG 130910

[btstwtarchive]

130910 [Text] 김블랙 by 지민 [Trans] Kim Black by Jimin

[fyeahjinki]

(130910) incheon airport ✈ japan ☼ onewsama

(please do not edit or remove logo)

[cowgodmoo]

130910 - bts rookie king: channel bangtan ep 2

[nso-csi]

130910 Incheon Airport

[shinee525subs]

Onew in The Royal Villa Ep 10

http://shineegirlny.blogspot.com/2013/09/130910-onew-cutthe-royal-villa-sitcom.html