#also my manager needed computer help so she was asking if anyone had a Dell to work with

[icantalk710]

Still gloomy out but it's at least feeling like fall🍂 enough to wear one of my newer shirts to the office 😌☕

[writerraj]

Quotients

Our Company President when talks in a meeting, mesmerises the audience with his fluency in English. He impresses all with his super word power & knowledge - Man with a great L(Language) Q(Quotient).

Marathi community seniors who all have had enough of Holy Dnyaneshwari reads, will know how proficient such a young Saint Dnyaneshwar could be in Marathi & et al who are non-Marathi speakers, will be bristling with perplexities for his supreme poetic proficiency – Godly human being with an all-time high LQ & S (Spiritual) Q (Quotient). Stephen Hawking & Albert Einstein had an I (Intelligence) Q(Quotient) of 160, one of the all-time high. Parents of an eleven year old girl Kashmea Wahi in London buzzing with excitement boast: My kid is smarter than Albert Einstein because she clocked IQ of 162, officially. Just do note here the use of word smarter. (*) Owner of a grocery shop in the area where I stay, is a Gujarati baniya. Although he looks insane, he is a Crorepati – know why? His has mastered money management & proliferation techniques and has an inclement business focus. He has three flats in Mumbai & a couple of more in Gujarat. His F (Financial) Q (Quotient) and B(Business) Q (Quotient) are phenomenal. One celebrity, we all know – Amitabh Bachchan. Whatever his attire, anything suits him. Undoubtedly, he has a good F(Fashion) Q (Quotient) and of course a unique personality with a magnetic & obsessive voice. Some may recall Hollywood star Morgan Freeman for such a similitude. Nidhi is very blunt & cannot get along with people, even with her mother, easily. Why? Just because her E(Emotional) Q (Quotient) is very low. Two brothers Viraj & Anuj, both are diametrically opposite in nature. Viraj likes to associate with people & socialise. Not the case with Anuj though. Both have extremes of S (Social) Q (Quotient), Viraj finds himself on the top & Anuj finds himself at the bottom of SQ count. Music is synonymous with Salil. He has such a commendable grasping & ear for Music that just one hearing of a piece of music is enough for him to replicate. Music is in his blood & genes. He has a terrific M(Music) Q(Quotient). Now we all have a new Bravery milestone set up by Wing Commander Abhinandan Varthaman (great BQ – Bravery Quotient). He is being aptly recommended by Tamil Nadu Government for Param Veer Chakra. All such tête-à-tête and sprinkles of word Quotient for Language, Intelligence, Finance, Fashion, Emotional, Social, Spiritual & Music etc. are a part of routine jargon for all of us. We may as well coin some more such (A to Z) quotients as trait indicators e.g.  Bravery quotient (BQ), Risk quotient (RQ), Common-sense quotient (CQ), Acting quotient (AQ) etc. It is worth mentioning here about one of our Machine Design Professor who always used to ask us some simple (to him) questions during his lecture. On not getting the expected answer from all of us, he used to frown & say, “Do you see how common sense is so very uncommon.” So don’t ever underestimate CQ as it is that rare.

We often use this word, ‘quotient’ seamlessly and seldom condemn all the other people in the race who are low at that. These quotients that we presume indicate completeness of a person, do not necessarily indicate smartness (*) and often misguide to believe that one is not up to the mark. Management thinker Peter Drucker says that “you can’t manage what you can’t measure.” In other words, if anything is to be improved, it must be measured. Measuring quotients will indicate current level of a person in that area & also help to some extent which area he is good at.

One of my friend’s daughter got admitted to 11 th Grade science stream after a good score at SSCE in Science subjects, much obviously (?) so as thought & insisted by her parents. The girl kept on convincing her parents that she is not interested in science at all & wants to pursue fine arts. But nothing struck the parents right. Post her admission, she had a lot of academic struggle over subjects like Physics, Chemistry, Math etc. Unfortunately, parents thought this to be a recovering period for her due to her vernacular medium till tenth. The result was, she passed at 11 th but miserably failed at 12 th . The girl kept on insisting her earlier argument only. The parents now were furious but eventually gave up & succumbed to her choice of Fine arts. The girl had such a great flare for art that she stood first in the college & completed her B.F.A. with a University rank. A girl struggling to pass at Science stood first at BFA. Why & how did this happen? Did she not find her passion? Rajiv took a learning from this & sent his daughter to a stream of her choice – foreign languages like Japanese & Chinese despite her great score in Science & Math at SSCE. Although this is a perpetual conundrum, as a parent we all need to be assiduous while taking such life impacting decisions for our wards. If you recollect, that’s what the milestone movie “Three Idiots” (one of my all-time favourite) was all about, isn’t it? It’s all about pursuing our passion. Our low LQ, IQ, FQ, EQ, MQ or SQ do not necessarily indicate success in life and vis- e-versa. It only matters whether you like and enjoy your education or work. Success & money will follow, by default as a by-product: if you enjoy your education and work. More so that money plays second fiddle when you enjoy what you do. Money becomes secondary in the pursuit for happiness, enjoyment of our passion. Now passion becomes the target or even the path of pursuit is also a great rewarding experience. It is equally important to enjoy the path towards target as said by Robert Kiyosaki in his famous best seller ‘Rich Dad Poor Dad’.

All our Grocers are excellent at business but no good at academics. Does it really matter? No, neither to them nor to their families and even to the society. I strongly believe that every person is smart (*) in some or the other area. The Almighty has bestowed each one of us with at least one boon - one area in which we score good, for sure. No one in the universe, is dumb. Each one excels in some or the other quotients. All College drop outs like Mark Zuckerberg, Bill Gates, Steve Jobs, Michael Dell, Sachin Tendulkar etc.(the list is endless) are the most successful business tycoons & the most impacting geniuses world knows. What does this indicate? Do we need to contemplate upon the importance given by us to academic excellence criteria and absurdly co-relating them to the future (would be) accomplishments of a person? Absolute zero, absolute positive or absolute negative do not exist – by default: that’s Nature’s law. So do the dumbness, idiocy in absolute terms never ever exist and that’s what needs to be acknowledged by all. Sounds rational? Hence, I feel it would greatly help to measure these quotients for each person just to have a fair idea about his potential strengths, probable area of studies & further career in the same stream. How would a young boy choose a career in defence? Will his BQ or RQ help? Probably, yes. Similarly, anyone good at acting can choose the same post measuring his AQ; so, on & so forth. What we understand from these quotients is not whether a person is brilliant or not. As I mentioned each person is brilliant in his area of choice. The quotients are indeed intended to indicate & guide one to identify potential strengths & choose career path. One may be good at Math while other may be good at finance or language. Quotient is a definitive measure for one’s area of inclination, strength or choice of career. Thus chances of being successful and contributing to the mankind will enhance certainly significantly for one who gets his choice right through the right quotient computation at the right time.

So now let’s use the word quotient in our routine responsibly & not conclude anything negative about anybody for his/her lower quotient scores. Techniques of measuring these quotients may be a little away from us presently but the day is not far when these will be quantified scientifically for each one of us and the generations to follow will supposedly take full advantage of it. They will pursue a rewarding career in the field & mother earth will be full of accomplished people; her own progeny – a planet of Ultimate Evolution.

[livinginfictions]

Pro-Tips From Your Local Call Center Worker

So, I work in a call center, and I’m realizing day by day that people seriously have no idea how these things work and ya’ll are just screwing yourselves (and me) over. I am here to help!

First off, I’m gonna start with asking you all to stop being jerks to outbound (that means we call you) call center workers. I don’t give a flying fuck how annoyed you are that you keep getting called. There are real people on the other end of that line and you are being a real dickhead every time you fuck with us.

I have had people answer the call by screaming at me. I’ve had people answer with fart noises and fake baby cries. I’ve had countless calls where people either hang up the minute I introduce myself or answer the call and hang up right away. I’ve had people respond to me introducing myself by spitting out as many disgusting words they can think of and then hang up on me. I”ve had people answer the call and then just fucking leave the phone on the table so I can HEAR THEM hanging out in the room and fucking ignoring me.

THIS IS NOT FUNNY. It’s a DICK MOVE. I’m a real fucking human being and my job depends on calling you. It’s not MY FAULT that you’re getting called three times a week. It’s not my FAULT that you don’t want to be called at this specific hour. I don’t get to fucking control that, and a lot of times, it’s actually YOUR fault that this is happening.

Now, admittedly, part of that is out of your control, we’re not Allowed to actually tell you that what you’re doing is wrong (not that many people give us a chance). SO, on my own time, without mentioning who I work for, I’m gonna enlighten you.

Reminder that this isn’t the same for all call centers, but the one I work at is affiliated with a ton of companies, and it’s pretty much the same for all of us in the building.

Mistake 1: You just avoid answering the phone at all when you see us calling. This is not going to stop the calls. Every time you do that we have to mark the call as ‘answering machine’ and you get called back. This will go on for weeks or months, depending on the situation. We don’t know whether or not you’re ignoring us on purpose, so we are required to keep calling you. Moreover, we don’t know how many times other people have called you and gotten voicemail. We just see a name on the screen and a number gets auto-called. We aren’t pissing you off on purpose.

Mistake 2: You answer the call and then either instantly, or as soon as you hear the name of the company I’m calling from, hang up without saying anything. Again, this isn’t going to stop the calls. We have no way of knowing (except common sense, which our computers and bosses don’t give a fuck about) whether the call dropped or you just bumped the hang-up button or you hung up on purpose. We’re required to put you in for a callback. Even if you wait until we’ve given the whole spiel before hanging up, we still have to put you down for a callback.

Mistake 3: You play stupid games with us by using dumb voices or making us wait while you ‘grab a pencil.’ This shouldn’t need explained. You should know this is fucking mean. Plus, nothing you’re doing is going to stop us from calling you back. All you’re doing is getting someone in huge trouble because their numbers suck but they didn’t have a appropriate reason for hanging up on you and getting back to doing their job.

I get that there’s like a joke post on here about someone who made the call center person they were on the phone with sit there for like 2 hours or whatever, but that’s not how most centers work. I am paid by the hour, but I only make commission if I make sales. And if I don’t make any sales, I can’t just skate by on making my hourly rate because they will fire me for not selling enough. You are not giving me a ‘break’ by wasting my time, you are ruining my efficiency scores and possibly costing me my job.

And before anyone goes on about how call center workers are all scammers anyway, can you just stop? I work for a big name company and guess what? I make a lot of sales from people WHO WANTED me to call. I got a guy the other day who sang my praises because he was so excited that I called him at just the right time and got him what he wanted. Tonight I had a woman who looked forward and relied on us calling because she always forgot to renew her service and us calling was the only way she remembered to do it.

You’re the one who gave us your damn number (unless it was bought from a data miner thingy, which is a whole different thing, but don’t be a dick to those people either.) when you used the service/bought the thing in the first place, so stop getting mad at us for doing what we’re supposed to.

My job performance is judged according to how many sales I make and how many calls I made an hour. (The ‘right’ amount of dials an hour is like 60. that’s one a minute). I’m not interested in wasting your time or my time. I’m not out to get you.

Now that that’s out of the way, here’s how you get the calls to stop.

Solution 1: TELL US. I’m serious. It’s literally that fucking easy. If you aren’t interested in the service we’re calling about, SAY YOU AREN’T INTERESTED. And as a bonus, give us a reason? My managers are a lot more annoyed by 50 ‘general not interested’ calls than they are when I can show some variance and make clear that people are turning me down for specific reasons. It’s too expensive. You prefer doing this thing instead. Whatever it is dude. This will generally remove you from the call listing for that specific promotion or reasoning for them calling. (Which, if you have an account with whoever it is, you will STILL receive calls/emails about ‘account updates’ like you having an outstanding balance. Those will not go away, period, until you do something about it.) If you want to never receive calls from us again then ask us (NICELY DAMN IT) to put you on the Do Not Call list. We are LEGALLY REQUIRED (it’s a federal law) to mark you as DNC and not call you again (except for what I said before about your ‘account updates’)

Solution 2: Update your contact preferences! GO TO THE SITE. Most call centers are calling about a specific service that you probably have an account on, and a website where you can access that account. GO TO IT.  If you can’t find it, google it! 90% of these will have account settings you can adjust to not receive calls. Hell, you can remove your phone number from it entirely AND your email address if you want. Take control of your own life.

That’s it. That’s how you do it. Literally those two things. Neither of which include calling me names or screaming at me about ‘you people keep calling me.’ Neither of which would take you more than like five fucking minutes and would save you from getting dozens of calls.

And sometimes there’s gonna be mistakes. I accidentally called a woman tonight who was on our dnc list already and she was pissed. But I don’t pick my calls. I have no idea why I got her name. It was entirely out of my control. Also, sometimes you keep getting calls after you asked to be put on the dnc list because you have multiple accounts. If you’re still getting promotional calls or emails after you changed your preferences, let us know (nicely) when we call and we can help you check to see if there’s multiple accounts under your name (from previous subscriptions or years or whatever) and we can add those to the list too. If you’re really desperate to get us to stop calling, legit just lie. Tell us it’s a wrong number. Tell us you don’t own the vehicle/tv/radio/whatever the hell we’re calling about anymore. That pretty much instantly makes us not call you again. We don’t want to bug people who aren’t our actual clients.

More pro-tips:

1. When someone is calling you with promotional offers, we’re supposed to offer you a specific package/deal. If you tell us it’s too expensive or ask if we have something cheaper, oftentimes we do and it’s a hundred times less than you would get if you just called in and asked how much the service/thing would be. We are promotional and everything is supposed to be Ridiculously cheap. But we can’t tell you outright most of the time. You have to ask. My center doesn’t even give bonuses for upsells, so I legit give no fucks about giving you my cheapest package, whether the bosses like it or not.

2. Don’t be so afraid of the ‘automatic renewal’ thing. It’s just like Netflix, guys, your subscription is automatically renewed so you don’t lose the service and have to call in every month. Take the promo offer, and mark in your calendar (or ask if we have ‘billing reminders’ that you can opt into) to call in and cancel your subscription. They’ll most likely offer you more deals and you can keep things really insanely cheap. Just don’t be a jerk about it. We want to help you.

3. If you do make a purchase and the person on the phone starts talking in monologues about what you ordered and how the billing works, please don’t interrupt, or if you do, understand that we might have to repeat a phrase or something. Those are usually disclosures we’re required to read to you, and if we get interrupted there are certain trigger words that a robot scans for to make sure we’re complying with our company’s policy. We have to say them or we get fired. I know it’s long-winded and kinda awkward, and sometimes we have to repeat them over and over if the account or payment method or whatever gets changed before we can get through the whole sale. We don’t like it either.

4. If you’re worried about a business that’s calling you being a scam (I once turned down a super cheap promotion on renewing my laptop warranty bc I didn’t think the person calling was really from Dell....they were....*sigh*) then just know that most (if not all) legit businesses will verify information with you where they tell you what they already know. Usually it’s your address. This info is what was given to us, either by you or by a third party that you gave the info to, who signed you up (Like when you buy a car from a dealership and they set up your radio for you, not like people who sell your data). We usually also have your e-mail address on file and we’ll read it out to you. You can often ask us to send you an e-mail (a customer agreement or something) to prove that we’re legit too and you can check right then during the call.

5. When you ask us to ‘call you back later,’ it’s worth checking if we can actually be specific about that. My system only lets me put down callbacks in general, I don’t get to pick when you get called. It’s a 24-48 hour window and that’s all I know. I can’t call you tomorrow after 5pm or in an hour when your husband gets home from work, or two weeks from now when you get paid. It’s also not going to be the same person who called you the first time, unless it’s a crazy coincidence. Now, other call centers might be different, so just ask if we can chose when to call you back or if it’s a random thing.

6. I really am sorry when my call is horrible timing. I’ve accidentally called people while they’re sitting in the ER waiting for a family member, or even a few months after the owner of the account has died or something. I wasn’t trying to make your life more difficult, I’m just trying to feed myself and maybe sell you something you’ll enjoy.

Please just remember that call center workers are people, we’re tired too, we’ve probably been yelled at at least once that day, and we’re not trying to make your life harder. Work with us, and hopefully it’ll make both our lives easier.

[jerome-blog1]

peace & ecommerce, a global system view

China is a likely winner of the information age supply chain through ecommerce

Peace and Ecommerce, A Global Systems View

Attending a required Masters class “Policy, Law, and Ethics in Information Management” it was only ethical to admit that I worked three months drafting and publishing policy documents for Microsoft, which was now our current class assignment, to research Web based privacy policies and other related documents such as terms of use, conditions of use, code of conduct and learn more about them, with a diary of examples in the wild, and related materials.

The educational idea is that we would then be able to contribute meaningfully to creating policy statements and understand their underlying implications to end users and companies. But I had already done this work professionally, so it would be of questionable value for me to do the coursework on the same topic as if I had never done it before.

The instructor of the class, Glenn Von Tersch assigned me to present information on freedom of speech, a topic I fell in love with, and wanted to research more. But for my final research, I needed something else.

One of my favorite things to discuss in job interviews, or with anyone in earshot, is that I believe that the networked spread of ecommerce over the Web, filtering into even the poorest nations will aid in understanding through communication; that ecommerce leads to peace. In effect I believed that ecommerce contributes in a direct way to peace because it provides the fuel to grow and maintain the Internet. Also it seemed obvious that people and countries that are invested in and perform transactions with each other are less likely to go war against their own interests. Von Tersch said, “These topics you are interested in have more research value than freedom of speech, because 1st amendment rights have been heavily legislated, written about, and researched.” He mentioned something called “The McDonald’s Effect”, how having a McDonald’s outlet or franchise appears to contribute to peace between countries. So peace and ecommerce became my topic.

What I did not expect to discover is in human society war is considered the norm and peace the exception. I did not expect to learn about how ugly the 3rd world poverty creating monster of WTO became according to one economist, even though I live in Seattle where the initial protests were. I was surprised to know how Reganomics theory hangs on, like an old B-grade movie on late night TV, because someone somewhere in the supply chain makes money. I did not expect to find that privacy and intellectual rights are so tightly interwoven, or how they relate to conflict, security, potential world dominance and growth.

I had no way to guess that I would enjoy the study of economics – statistical, yes, nicely so, but dull no; as a global topic it is juicy-rotten, full of international spies, botched security, with rogue pirate computer chips, and unintended consequences.

Who can accurately predict how patterns of global economics relate to peace, privacy, property rights, policies and their outcome in the one breath away from today, the next 20-40 years? Who would think that China – the nation, McDonalds – the corporation, and Chicago crack dealers and their foot soldiers share so much in common when you view their information through these fascinating multi-dimensional facets?

One must be educated to search effectively for information. My knowledge about the nature of search is not just intellectual knowledge; this is conditionalized through my own experience of failure to produce relevant search results within massive library databases.

My education began with a simple query on the Web “peace + ecommerce” which returned from Google “Theses on the Balkan War,” by Mike Haynes, from the International Socialism Journal, “Capitalism is inherently a competitively expansionist and therefore conflict-ridden system” , effectively laying the blame for war on the US and Western capitalist nations and on anyone claiming to be fighting a war with good intentions. I read it, thinking I would not see this relate to my project – also surprising very similar material was presented in the global economic books I read later.

As mentioned the pursuit of ‘education justifies anything’, like looking at any results, so I also clicked on an article entitled “Dinosaur Extinction linked to change in Dinosaur Culture” I read it, and it made sense that something like author Daniel Quinn’s theory of “The Law of Limited Competition” is an operant factor in global markets today, with war being genocide, and countries struggling to win economically laying waste to the very place they live. A notable example is Beijing, the air pollution capital of the world struggling to host the Olympic Games this year. I stored that URL for future reference. The theory and the reality imply that in the race to catch up and compete in global economics, the Chinese are killing themselves off before they arrive at their desired goal.

Then I queried in several of the University of Washington interconnected and extensive library databases on the same thing “peace + ecommerce” and found in all of them, zero returns, “0 Results”. My teacher was surprised and advised me to extrapolate and offer conjecture on what was likely, if few sources were available. I notified a friend studying economics who emailed related articles. Very frustrated I tried related queries and turned up articles on the economies of war . How perverse, I thought. I contacted a librarian through the online tool and chatted with her, explaining my quest. She suggested I query on “economics and public policy”. “How is public policy related to peace and ecommerce?” I asked. “Try Conflict Resolution” she replied.

Thus the reason I couldn’t find ‘peace’ is because the term used, in educated facet writers’ metadata which is designed to expose information to search, is ‘conflict resolution’ or ‘conflict prevention’. Oddly the social implication is that war is the norm. Maybe peace doesn’t exist anywhere. A reason I used ‘ecommerce’ instead of ‘global economics’ is due to consulting in that field for technology firms. Searching again returned few meaningful results — the user interface was strange, very slow, and clunky. I longed for Google .

Then I remembered the “McDonald’s Effect” our teacher mentioned, and quickly I located a reference on the Web, but it was deeply nested in a staggering number of oddly worded articles. I stopped without uncovering where the concept originated. The next night I searched again, and found the author Thomas Friedman and his related books. I briefly scanned all the related Wikipedia articles. I realized quickly that to become educated enough on my two topics, I had to some understanding of economics. This is because even to scrape by enough to search among the many interrelated topics one needs to know the central facet. Very esoteric topics require specialized language and deep knowledge of the subject.

More searches turned up substantial evidence that China lags behind other nations in ecommerce.

For years I worked in ecommerce designing interfaces (for Microsoft 2003 and Amazon 2007-2008), and working with supply chain software (as a director of an ecommerce company). But because I didn’t realize that one could understand it better, and that it is not as dull as computer science and its requisite cash register receipts , I never tried.

The "McDonald’s Effect" is named after "The Golden Arches Theory of Conflict Prevention" created by the author Thomas Friedman’s slightly in cheek comments and his book, “The Lexus and the Olive Tree” (the update now titled "The Lexus and the Olive Tree: Understanding Globalization").

Those books led me to order Amazon ecommerce overnight book delivery, and I read, ‘The World Is Flat?: A Critical Analysis of New York Times Bestseller by Thomas Friedman’, ‘Freakonomics: A Rogue Economist Explores the Hidden Side of Everything’ , ‘Making Globalization Work’ which reports that there is hope in the world for peace. The Nobel Prize winning author helps the reader extrapolate based on significant knowledge of statistics and global economic analysis through his personal, professional, and academic connections.

Common Name Academic Name Book Title

McDonalds Effect Golden Arches Theory of Conflict Prevention,

aka democratic peace theory Lexus and the Olive Tree

Dell Theory The Dell Theory of Conflict Prevention The World is Flat, A Brief History of the Twenty-First Century

peace conflict prevention

ecommerce global economics

"In his book, The Lexus and the Olive Tree, Thomas L. Friedman proposed The Golden Arches Theory of Conflict Prevention, observing that no two countries with a McDonald’s franchise had ever gone to war with one another, a version of the democratic peace theory."

"The Dell Theory stipulates: No two countries that are both part of a major global supply chain, like Dell’s, will ever fight a war against each other as long as they are both part of the same global supply chain."

———————————————————————

Readings

The World Is Flat 3.0: A Brief History of the Twenty-first Century by Thomas Friedman

Larry Page, Google Co-Founder quoted by Thomas Friedman, p. 179, entire paragraph. “The more global Google’s user base becomes, the more powerful a flattener it becomes…”

From Friedman’s conversation with Google’s director of operations in China, Kai-Fu Lee, p. 181 entire paragraph ”In time individuals will have the power to find anything in the world at any time on all kinds of devices – and that will be enormously empowering.”

The Quiet Crisis, entire pages 368, 369, chapter on research in China, beating out American innovation in research. “The Chinese government gave Microsoft the right to grant post-docs.” “They work through their holidays because their dream is to get to Microsoft.”

“What are those?” She said the researchers get them from Microsoft every time they invent something that gets patented. How do you say Ferrari in Chinese.”

p. 370 “… whether we are going to implement or China is going to beat us to our own plan.” Council on Creativeness, regarding the Innovate America report, comment to Friedman by Deborah Wince-Smith.

Introduction p. X, Thomas Friedman, “Of course the world is not flat. But it isn’t round anymore either. I have been using the simple notion of flatness to describe how more people can plug, play, compete, connect, and collaborate with more equal power than ever before – which is what is happening in the world. … the essential impact of all the technological changes coming together in the world today. … My use of the word flat doesn’t mean equal (as in ‘equal incomes’) and never did. It means equalizing.”

The Lexus and the Olive Tree: Understanding Globalization by Thomas Friedman

Forward to the Anchor Edition, Thomas Friedman, “… my Golden Arches Theory – that no two countries that both have McDonald’s have ever fought a war again each other since they each got their McDonald’s.”

p. 7 “When I say that globalization has replaced the Cold War as the defining international system, what exactly do I mean?”

p. 8 “The cold war system was symbolized by a single word, the wall … “You can’t handle the truth,” Says Nickleson. “Son we live in a world that has walls…”

p. 8 “This Globalization system is also characterized by a single word: the Web. … we have gone from a system built around divisions and walls to a system built around integration and webs.”

p. 19 “What is information arbitrage? Arbitrage is a market terms. Technically speaking, it refers to the simultaneous buying and selling of the same securities, commodities or foreign exchange in different markets to predict from unequal prices and unequal information. The successful arbitrageur is a trader that knows…”

Chapter 3, p. 29. The Lexus and the Olive Tree

Photo: Jerusalem, December 29, 1998: Simon Biton places his cellular phone up to the Western Wall so a relative in France can say a prayer at the holy site. (Photo: Menahem Kahana, Agence France-Presse) [caused my spontaneous tears]

p. 47 “advertising jingle “Let us put a bank in your home” … office … newspaper … bookstore … brokerage firm … factory … investment firm … school in our homes.”

The World Is Flat?: A Critical Analysis of New York Times Bestseller by Thomas Friedman by Ronald Aronica and Mtetwa Ramdoo

Freakonomics [Revised and Expanded]: A Rogue Economist Explores the Hidden Side of Everything by Steven D. Levitt and Stephen J. Dubner

Chapter 5 “Why do Drug Dealers Still Live with Their Moms?” p. 89 “So how did the gang work? An awful lot like most American businesses, actually, though perhaps none more so than McDonald’s. In fact, if you were to hold a McDonald’s organizational chart and a Black Disciples org chart side by side, you could hardly tell the difference.”

p. 46 “There is a tale, “The ring of Gygnes,” … could any man resist the temptation of evil if he knew his acts could not be witnessed?”

p. 58 “Attendance at Klan meetings began to fall … of all the ideas Kennedy thought up to fight bigotry, this campaign was clearly the cleverest. … He turned the Klan’s secrecy against itself by making its private information public: he converted heretofore precious knowledge into ammunition for mockery.”

Making Globalization Work by Joseph E. Stiglitz

My favorite – the entire book was used to write this paper.

Web Resources

Please view attached Appendix www.crito.uci.edu/pubs/20... regarding the reasons one study concludes that hold China back in ecommerce.

[1] Waiting until the time is right, one is good at something, or has collected all the facts, without making any attempts isn’t effective. I had to begin someplace even if it is incomplete so I started with the World Wide Web. “If something is worth doing well, at all, it is also worth doing poorly.” I am not sure where that quote came from but I read it in an article where someone presented their reasoning.

[2] You never know where something will come from in free rights actions or what it will mean later. For example the person at the center of the Alaskan “Bong hits For Jesus” case, Frederick Morse, now teaches English to Chinese students in China. As an adult it appears he has his head on straight in his wish to help others communicate, more so that those he fought in court.

From the CNN news article, published June 26, 2007, “In dissent, Justice John Paul Stevens said, "This case began with a silly nonsensical banner, (and) ends with the court inventing out of whole cloth a special First Amendment rule permitting the censorship of any student speech that mentions drugs, so long as someone could perceive that speech to contain a latent pro-drug message." He was backed by Justices David Souter and Ruth Bader Ginsburg.” www.cnn.com/2007/LAW/06/2... downloaded March 13, 2008

[3] Pentagon attack last June stole an "amazing amount" of data” Joel Hruska Published: March 06, 2008 – 07:13PM CT Pentagon attack last June stole an "amazing amount" of data… from “blueton tips us to a brief story about recent revelations from the Pentagon which indicate that the attack on their computer network in June 2007 was more serious than they originally claimed. A DoD official recently remarked that the hackers were able to obtain an "amazing amount" of data.

We previously discussed rumors that the Chinese People’s Liberation Army was behind the attack. “CNN has an article about Chinese hackers who claim to have successfully stolen information from the Pentagon.” Quoting Ars Technica: "The intrusion was first detected during an IT restructuring that was underway at the time. By the time it was detected, malicious code had been in the system for at least two months, and was propagating via a known Windows exploit. The bug spread itself by e-mailing malicious payloads from one system on the network to another." Via email from Jeremy Hansen on Slashdot: News for nerds, stuff that matters

[4] “Chinese backdoors "hidden in router firmware" Matthew Sparkes, News [Security], Tuesday 4th March 2008 3:17PM, Tuesday 4th March 2008 Chinese backdoors "hidden in router firmware"… The UK’s communication networks could be at risk from Chinese backdoors hidden in firmware, according to a security company.

SecureTest believes spyware could be easily built into Asian-manufactured devices such as switches and routers, providing a simple backdoor for companies or governments in the Far East to listen in on communications.

"Organisations should change their security policies and procedures immediately," says Ken Munro, managing director of SecureTest. "This is a very real loophole that needs closing. The government needs to act fast."

"Would they buy a missile from China, then deploy it untested into a Western missile silo and expect it to function when directed at the Far East? That’s essentially what they’re doing by installing network infrastructure produced in the Far East, such as switches and routers, untested into government and corporate networks."

Late last year MI5 sent a letter to 300 UK companies warning of the threat from Chinese hackers attempting to steal sensitive data. Reports at the time suggested that both Rolls Royce and Royal Dutch Shell had been subjected to "sustained spying assaults".

The issue has been debated by government for some time. In 2001, the then foreign secretary Robin Cook, warned that international computer espionage could pose a bigger threat to the UK than terrorism.

[5] Chip Piracy Might End With Public Key Cryptography. A Web Exclusive from Windows IT Pro Mark Joseph Edwards, Security News, InstantDoc #98491, Windows IT Pro “A group of researchers from two universities have proposed a way to prevent chip piracy. The technique uses public key cryptography to lock down circuitry.

In a whitepaper published this month, Jarrod A. Roy and Igor L. Markov (of the University of Michigan) and Farinaz Koushanfar (of Rice University) outline the problem and details of how their proposed technology will help solve it.

Chip designers sometimes outsource manufacturing and that opens the door to piracy, should someone copy the design plans. The copied plans are then used to created ‘clone’ chips for a wide range of devices, including computers, MP3 players, and more.

"Pirated chips are sometimes being sold for pennies, but they are exactly the same as normal chips," said Igor Markov, associate professor in the Department of Electrical Engineering and Computer Science at the University of Michigan. "They were designed in the United States and usually manufactured overseas, where intellectual property law is more lax. Someone copies the blueprints or manufactures the chips without authorization."

The groups propose the use of public key cryptography, which would be embedded into circuitry designs. Each chip would produce its own random identification number, which would be generated during an activation phase. Chips would not function until activated, and activation would take place in a manner somewhat similar to that seen with many applications in use today. Via email from Jeremy Hansen.Original source – EPIC: Ending Piracy of Integrated Circuits Jarrod A. Roy, Farinaz Koushanfar‡ and Igor L. Markov, The University of Michigan, Department of EECS, 2260 Hayward Ave., Ann Arbor, MI 48109-2121, Rice University, ECE and CS Departments, 6100 South Main, Houston, TX 77005 www.eecs.umich.edu/~imark... March 06, 2008

[6] Chapter 5 “Why do Drug Dealers Still Live with Their Moms?” p. 89 “So how did the gang work? An awful lot like most American businesses, actually, though perhaps none more so than McDonald’s. In fact, if you were to hold a McDonald’s organizational chart and a Black Disciples org chart side by side, you could hardly tell the difference.”

[7] Mike Haynes, Theses on the Balkan War, “Capitalism is inherently a competitively expansionist and therefore conflict ridden system” Issue 83 of INTERNATIONAL SOCIALISM JOURNAL Published Summer 1999 Copyright © International Socialism, pubs.socialistreviewindex... accessed March 3, 2008.

[8] Readings p.7 “When I say that globalization has replaced the Cold War as the defining international system, what exactly do I mean?” p. 8 “The cold war system was symbolized by a single word, the wall … “You can’t handle the truth,” Says Nicholson. “Son we live in a world that has walls…”p. 8 “This Globalization system is also characterized by a single word: the Web. … we have gone from a system built around divisions and walls to a system built around integration and webs.”

“What is information arbitrage? Arbitrage is a market term. Technically speaking, it refers to the simultaneous buying and selling of the same securities, commodities or foreign exchange in different markets to predict from unequal prices and unequal information. The successful arbitrageur is a trader that knows…”

[9] Shared by miles on Feb 13, 2006 3:39 pm that I located through a Gmail…

[10] “As it gears up to host the 2008 Olympic Games Beijing has been awarded an unwelcome new accolade: the air pollution capital of the world.Satellite data has revealed that the city is one of the worst environmental victims of China’s spectacular economic growth, which has brought with it air pollution levels that are blamed for more than 400,000 premature deaths a year” Satellite data reveals Beijing as air pollution capital of world

[11] “What we call ‘war’ is not all bad,” according to Virginia Johnson a former governmental planning consultant, who reminded me, “Without conflict there is no life. You don’t want ‘perfect peace’ there is no movement. The human standard is actually what we broadly call ‘war’; because without conflict, change, motion, growth we would learn nothing, we would have nothing, we would be dead.” Personal conversation, March 14, 2008, Seattle, Washington

[12] Readings Larry Page, Google Co-Founder quoted by Thomas Friedman, p. 179, entire paragraph. “The more global Google’s user base becomes, the more powerful a flattener it becomes…”

[13] Ranganathan, faceted classification, Five Laws of Library Science, S. R. Ranganathan – Wikipedia, www.boxesandarrows.com/vi... Personality, Matter, Energy, Space, and Time. (PMEST)

Personality—what the object is primarily “about.” This is considered the “main facet.”

Matter—the material of the object

Energy—the processes or activities that take place in relation to the object

Space—where the object happens or exists

Time—when the object occurs

[14] www.crito.uci.edu/pubs/20...

[15] I learned about supply chain management mainly from the supply chain wizard Marc Lamonica, Regional Chief Financial Officer at Sutter Connect, Sutter Shared Services, and our mutual friend Web entrepreneur and ecommerce product engineer Adam Kalsey, and Sacramento State University teacher Stuart Williams, of Blitzkeigsoftware.net, <a href="https://ift.tt/37GUdHS;" blitzkriegsoftware.net/St...

[16] Introduction to Computer software classes in the 1970s consisted of FORTRAN cash register receipt programming, which is by implication is what ecommerce actually does.

[17] Freakonomics is a must read book of comedy and connections.

[18] Golden Arches, definition on Wikipedia, the free encyclopedia Golden Arches – Wikipedia, accessed March 13, 2008

[19] Readings “The World Is Flat 3.0: A Brief History of the Twenty-first Century” by Thomas Friedman, p. 421

[20] Readings p. 19 “What is information arbitrage? Arbitrage is a market term. Technically speaking, it refers to the simultaneous buying and selling of the same securities, commodities or foreign exchange in different markets to predict from unequal prices and unequal information. The successful arbitrageur is a trader that knows…”

[21] “Conservation groups say acid rain falls on a third of China’s territory and 70% of rivers and lakes are so full of toxins they can no longer be used for drinking water.” Satellite data reveals Beijing as air pollution capital of world, Jonathan Watts in Beijing The Guardian, Monday October 31 2005, Satellite data reveals Beijing as air pollution capital of world

[22] “…After watching Jobs unveil the iPhone, Alan Kay, a personal computer pioneer who has worked with him, put it this way who has worked with him, put it this way: "Steve understands desire." … Fortune CNN Magazine March 5, 2008, http://money.cnn.com/2008/03/02/……

accessed March 5, 2008

[23] Mac Margolis, “How Brazil Reversed the Curse, Latin America used to suffer the deepest gap between rich and poor. Now it is the only region narrowing the divide. Upwardly Mobile: Middle-class Brazilians” How Brazil Reversed the Curse NEWSWEEK Nov 12, 2007 Issue

[24] Mike Haynes, Theses on the Balkan War, “Capitalism is inherently a competitively expansionist and therefore conflict ridden system” Issue 83 of INTERNATIONAL SOCIALISM JOURNAL Published Summer 1999 Copyright © International Socialism, pubs.socialistreviewindex... accessed March 3, 2008. “The optimism that the end of the Cold War might lead to a new world order has been shown to be false. The hope that it would release a peace dividend that would enable a new generosity in international relations has been belied by experience, as some of us sadly predicted it would.3 Though the arms burden has declined, there has been no outpouring of aid to Eastern Europe, no new ‘Marshall Plan’. The result has been that the burden of change has fallen on the broad masses of the population, wrecking lives across the old Soviet bloc in general and in one of its poorest components in south eastern Europe in particular. According to the World Bank, the number of people living in poverty (defined as having less than $4 a day) in the former Soviet bloc has risen from 14 million in 1990 to 147 million in 1998.4 Worse still, the advanced countries have continued to reduce further the miserly sums they devote to aid to the even poorer areas of the world. The OECD countries are rhetorically committed to an aid target of 0.7 percent of their output. In 1990 they gave 0.35 percent, and by 1997 the figure had fallen to 0.22 percent, with the United States under this heading giving 0.09 percent of its output, a figure in startling contrast to the expenditure devoted to destruction.”5

[25] Readings p. 46 “There is a tale, “The ring of Gygnes,” … could any man resist the temptation of evil if he knew his acts could not be witnessed?”

[26] Readings p. 58 “Attendance at Klan meetings began to fall … of all the ideas Kennedy thought up to fight bigotry, this campaign was clearly the cleverest. … He turned the Klan’s secrecy against itself by making its private information public: he converted heretofore precious knowledge into ammunition for mockery.”

Some of the research in this paper on piracy was provided by Jeremy Hansen of Seattle, Washington, USA. Mr. Hansen’s email regarding economics served to inform me on this topic. Teacher: Glenn Von Tersch.

Posted by Wonderlane on 2008-03-02 23:09:26

Tagged: , city , Seattle , towers , blue , buildings , nessled , in-between , bardo , 1804 , peace , ecommerce , global , system , view , peace & ecommerce , ecom , systems , Education justifies everything. , Research Diary , conflict , prevention , economics , “The McDonald’s Effect” , a global system view

The post peace & ecommerce, a global system view appeared first on Good Info.

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Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

"Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

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Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

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?

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Whats the best insurance for a college student?

Whats the best insurance for a college student?

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What is a car under 1000 for young drivers with cheap insurance ? ?

How much (approx) is THIRD PARTY insurance on a small used car of value around $2500?

(in australia)

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

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I live in Parma, Cuyahoga County, Ohio. I am planning on buying a project car that is currently not running. I am going to keep it in a garage out on the farm and slowly build it back up. What kind of insurance do I need on it? My old car used to have storage insurance on it for winters, about $20 a month. I don't want to pay $70 per month for a nonrunning car!""

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A friend of mine who is away at school with me (200 miles from home) said he gets reduced insurance because he is away at school without a car. However, he is always driving his girlfriends car. He claims that its OK for him to do this. This sounds a little fishy to me. He is getting the discount because his insurance company thinks he isn't driving, right? If he wrecks his girlfriends car is he covered? I am worried about being in the car with him. I don't want anything defaulted onto my insurance in the case of an accident if its just him and I in the girlfriend's car. Let me know what you guys think!""

Learner car insurance?

I will be supervising a learner with a provisional licence, i have been driving for more then 5yrs and hold a full Uk license.. Do i have to have the car insurance in the learners name too?""

Car insurance for 17 year old?

my son will be driving my car for a couple times, so do i have to put him as a name under my insurance? and if i get him a car in a few months what is a reliable insurance company that is affordable?""

""I live in CA and am about to drive to PA, but I have a lost license card which is also expired, am I insured?""

I lost my drivers license about a week ago, and was just sent a letter from my insurance company which said that it was expired anyway. I would just go get a new one but I am currently living in California and will be moving back to PA in about a week. My husband is in the military so I am allowed to have a out of state license, but I am afraid that because it is expired that my insurance (state farm) may not still cover me. I am driving across the country so I need to make sure I am insured?""

Health insurance eligibility event?

how would employer or insurance company be able to verify wheather your spouse had switched jobs or lost coverage? to make it be considered an event...I NEED HELP

Insurance company stepping over the line?

I was rear-ended last Friday. The lady who hit me was totally at fault, and admitted it to her insurance company. I have filed through my insurance company, gave them a verbal and recorded statement and my vehicle has been assessed with damages over $5000 dollars. Here's the catch....the insurance company of the lady who hit me calls me daily (leaves messages) asking me to talk and give a second recorded statement to them even though they know I have already given my insurance company one. I have talked to my insurance company about this...and they said legally I do not have to talk to them at all....I am not filing through them and that's that. Is this standard or is the other insurance company trying to be sneaky?? Thanks!""

Insurance companies will have 32 million new customers because of Obamacare. How is this socialism?

The Affordable Care Act was modeled after a Republican health care plan by the Heritage Foundation and was first implemented by a Republican governor. All this bill does is makes sure that insurance companies have 32 million new customers. I could understand if you called Single Payer socialism (which I highly support), but calling Obamacare socialist is pretty stupid.""

Car insurance in new york state?

i know there are 3 types of car insurance; Liability,Compensation and another,and the combination of this three makes auto insurance very expensive,but i also heard you can chose the one that best suit your needs than to take all three so that your monthly auto insurance expenses could be slashed almost 75%.My question is,as a resident of NY state,am i allowed to just take the insurance i prefer,eg if i want just liability insurance,i just pick that one and ignore the others to lessen my monthly auto insurace.Is that allowed?From the online quote of GEICO which claims to be the cheapest in the NY state,am to pay $550,which is wayyyyyyyyyyy to expensive for a student like me and so heard about choosing one option of auto insurance.Can i just choose the form of insurance i want or is IT COMPULSORY TO TAKE FULL AUTO INSURANCE in NY or America as a whole?""

What are some individual health insurance companies?

I have applied to Blue Cross, CAA, Manulife and Sunlife for my epilepsy medication that is costing me way to much per month. But each insurance company excludes any medication for my seizure disorder. What are some other health insurance companies that will accept me (hopefully)?""

What is the cheapest auto insurance for michigan?

for the most basic insurance

Do i need to be on the insurance?

im going to take my drivers test and my grandpa is going to let me use his car.do i need to be on his insurance to drive his car for the test?i live in connecticut

Do you have health insurance?

what kind of deducatable do you have?? how much per month? how old are you?

Why did geico increase my auto insurance rate for no reason?

My renewed 6-month policy has increased by $120 for seemingly no reason. Haven't had any wrecks or tickets. I called geico to inquire, and was told that all rates in Texas have increased. Have other insurance companies rates increased as well?""

What is a good cheap first car to get?

Ok so I'm 17.. learning to drive and want to know what would be a cheap to run but good car to have, whats cheap on tax/insurance etc.. I really have no idea about cars thanks""

What is the cheapest insurance for a teenager?

I'm currently 18 looking for the cheapest possible insurance on my car

Does anyone know about affordable health insurance for people who are near blind?

A friend has very bad vision, has to get specially made lenses and contact lenses, which for the glasses would cost about $600 even with insurance. She can't get normal coverage due to her bad vision. Are there any insurance companies that would cover more? Please let me know.""

Where have you been able to obtain the cheapest car insurance from?

Is it better to go through an independent agent or is it better to just go directly to some of the larger companies?

How can I get cheaper insurance?

I'm 18 years old about to be 19. I paid 200 monthly for insurance but found out there raising my fee to over 500 bucks. I used progressive to find a quote and I got 400 from it. I got in one car crash last year. What are my options?

What's a good insurance company for motorcycles?

I live in Halifax, NS and looking for good insurance rates. Also, what type of insurance should I get? Full coverage? I would like to insure my soon-to-be 2000 Kawi Ninja 250.""

Wrecked my moms car and another car with no insurance?

I got in an accident eariler this week. I went to turn a corner and hit the brakes too hard and hit a Prius coming up to a 3 way stop. I admitted it was completely my fault but the thing is I dont have my lisence or insurance so I was fined a total of $1224 plus the damages to my moms car and the car I hit and aparently medical bills now too? I asked the lady after I hit her if she was okay and EMS was on scene and asked her if she was okay and she said she was fine but now Im getting a call from her insurance company stating I have to cover medical and vehical damages and I really have no idea what to do. I dont understand how this lady thinks she can possibly get any money out of me. My moms disabled and not working. She makes $400 a month and myself I can barely scrounge up enough money for gas to get to work. Its gonna be hell just to pay off the ticket let alone everything else so my question is what would you do in this situation? Take it to court? Get a lawyer? (which I cant afford either)

What is a good low cost Automobile Insurance Company?

No Geico (they are very high)!

Can insurance for young drivers ...?

i want to buy a bmw 3 series convertible m sport diesel 2litre. the buying price is 13000 approximatley, unfortunatley i am 18 years old and this seems to be playing against me when it comes to insuring the car. i do not want to go down the line of fronting or breaking the law, but is there any way at all i can get a decent deal on insurance!? even if it means insuring myself to drive any car .. if that's possible?? any help would be appreciated. thanks!!""

How much does car insurance for a 17 years old cost in UK ?

How much does car insurance for a 17 years old cost in UK ?

Cheapest insurance for a vauxhall Astra 1.4 55 reg?

I'm paying round 90 a month for a 1.4 Astra with tesco. Absolute rip off I live in a half decent area and have no claims over 9 years, why is it so expensive, pain in the ****!!!""

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

Insurance questions?

Insurance questions? I got into an accident yesterday but my insurance was cancelled because i missed the last Three month's payment. Do u think they will cover the other Guy damaged vehicle? if not would he come after me , or would he be able to sue me?, it was my mistake to cause the accident.?""

Will one violation make my insurance go up?

The other day I failed to see a no right turn on red sign posted above an intersection. My right turn on the red light was safe, no cars were coming, and the car in front of me did the same thing, which I copied. A police motorcycle was parked waiting down the road, expressly for watching this, and pulled over the car in front of me, myself, and the driver behind me, who did the same thing. I have a clean DMV record. The fine is $170. I could elect to go to traffic school for an additional $150 so the violation won't be on my DMV record, but with my schedule, it will be hard finding the time for this, and I think the $170 fine is bad enough. My auto insurance is my only concern. How likely is it they'll raise my premiums (2 vehicles) with only one violation on my record? Also, how long does the violation stay on my DMV record (California). Thanks!""

Car insurance...?

When you get a quote online for car insurance you get asked so many question like deductible, collision... etc etc.. so many numbers to choose from.. Can anyone explain them to me? i'm just used to liability or full coverage.. right now i have liability on my car and i pay 135 a month. When i got a quote from allstate it turned out to be only 38 a month??? i'm sure i didn't pick the right numbers....""

How to get a temporary car insurance?

my friend would like to come to the UK buy a car and then go back to Hungary , So for the time until he gets back to Hungary how to get a car insurance for that 1 or 2 days , and how to inform the DVLA ( if he has to inform them (i am not sure ) ) that the car left the UK ? Thank you for answers""

Thought I found a solution to high car insurance... Not so sure now?

He-yo.... I'm guessing any young newly qualified driver out there would of already found out is the shear cost of getting yer car insured. I know as I'm 18, male which supposedly makes me high risk so the cheapest insurance I got was 3820 and that's only for third party, and the car is only a 1.2 litre Renault Clio. My instructor mentioned that he heard a scheme that's being done for young new drivers, companies called: Young Banana & Young Marmalade The idea is that these companies have merged together with insurance companies to fill a gap in the market which is us young drivers. The scheme is that you buy a new car or a nearly new car with these guys and the car will come with affordable insurance. I had a look at it and decided to get a quote just out of interest with a new car. So I selected the nearly new car category and went with the new shaped Renault Clio. You can select to buy the car straight away or get it financed over a period of months with 60 being the longest, I got 150 monthly payment as the average which is just payment for the car. The first years insurance came as 1635, (got all excited and jumping, over - reacting) provided that your parents have a good record they are added to the policy for free. I was thinking that it was too good to be true, new car, affordable insurance. But then could be too good of a deal to go without some hidden catches. I dunno what makes me suspicious about these sites but the more I investigate into it the more I feel that this could become quite expensive. Here are the websites in question: Young Banana - http://www.togreenstreets.com/index.php?option=com_content&task=view&id=16&Itemid=32 Young Marmalade - http://www.youngmarmalade.co.uk/index.php When I investigated Young Marmalade in more depth it was the insurance that got to me cause my first initial thought was that you pay for the insurance continually with them as long as you own the car, but it looks more like a 12 month deal that has to be renewed each time.... The car as well comes out cheaper then its usual retail price (if new) or usual price for its mileage (if nearly new) so I started to think that theres a one off payment at the end of the contract to own the car.. What do you guys think of this?""

Car insurance at 17. help needed?

Am 17 and just passed my test :), I was looking at the three following cars: - Renault Clio (1.2) - Vauxhall Corsa (1.2) - Peugeot 206 (1.1) All post 2000 pre 2003. Which insurance company is cheapest at my age and can anyone give me rough evaluations on how much it cost them/ would cost? Thanks.""

HELP PLEASE?What is the minimum amount of liability insurance coverage required?

A. 15/30/5 B. 20/35/10 C. 20/20 D. $100,000""

Anyone know any good cheap car insurance providers?

preferably direct rather than compare websites. cheers.

Does pass plus help new older drivers with cheap insurance?

Does pass plus help new older drivers with cheap insurance?

How much is motorcycle insurance for a 21 year old?

I'm 21 and I'm gonna get a motorcycle I just wanted to know how much some of you 21 year olds pay for motorcycle insurance

What ammount of miles should I drive yearly to get a minimum insurance rate?

I think if you drive less than a certain ammount of miles, you get cheaper insurance. What ammount is ideal? Plus, how are an insurance company meant to know if you drive to School ...show more""

Insurance Cost for Bike?

Hello I'm deciding on either a CBR 125 or a Boulevard S40. The only thing is I want to know around how much insurance each will cost(I live in Canada) And any other reason you think one bike is better than the other would be great. This is my first bike.

Is AmeriPlan a Good insurance company?

it's a health insurance company, and for four people, you only have to pay 60 dollars a month. I was just wondering if it is a rip of, only asking people who have used it or are using it now. What do you think of it. Is it a rip off. Is the 60 dollars a scam, or is that all you have to pay. Thanks so much!""

How much would it cost to own a porsche boxter a year? pleeeeeeeeeeeeeeeeeeeeeeeeeeee... answer. i beg to you?

a 2007 model, 3.5l, if i drive around 20000 miles a year. include insurance, tax, maintenance, repairs, etc. would 5000 british pounds be enough""

Car accident! they didnt have insurance! what cam i do?

last monday i was on a car accident,,,,(t-bone colission) it was there fault...i had a green light...she turned left at a red!.....but they dont have insurance...i need money to fix my car.....what can i do....? they told me thy were going to get my car fixed,,,but now they dont want to pay....and the even want to sew me! the police officer told me that i had to sew them cuz they didnt have insurance! what could happen in court!? what are the chances that theyll pay for my car!!? i live in texas....thanks""

Insurance cost for Dump Truck?

Without knowing a lot of information right now except it would be in the 1990's year range what would the APPROX. cost of monthly insurance be for a dump truck? We are in Ontario, Canada.""

How much would insurance cost for a 17 year old with an SUV?

im thinking about getting a 1998 Chevy Tahoe for my first car but i dont know how much the insurance would be and i have my JOL license

Why is homeowners insurance so high?

Been paying on my house for over 20 years.Never missed a payment.Always pay my taxes on time.Always carry insurance.Raised 3 children on my own.Always worked.Didnt collect food stamps or state insurance.Payed back anything I borrowed.Could not afford higher education.Was paying to raise my children.Husband left when kids were young.Owes me over 70000 in child support.Never covered one cent of their medical bills.Their all in late 20s and early 30s now.I guess all that doesn't really matter except for the fact that because I was too proud to suck off the taxpayers I worked.I made my bed and I slept in it. .But now im being penalized again.Insurance rates based on many things like your education.So,because I am stupidier than the average driver I will probably get in more accidents.How but this?Im over 50.No accidents No tickets.Always drive older vechicles so its not possible to speed even if I wanted to.I always thought my car insurance would go down after 50.In a few years they'll be jacking it higher because im too old.When does it stop?Okay.So back to the house insurance.If they refuse me house insurance Ill lose my house.All the money in interest and principal ive payed over the years will be in vane.The banks and mortgage companies will keep all the money ive worked for and take the house too.Homeless .Wont beable to work wont beable to pay taxes.will probably freeze to death and die..All because the sharks that call themselves insurance executives need to take another vacation.I wonder if they have mothers.If you have someone living in your house who has gotten a ticket or so on,your rates go upAnother way they our breaking up the American family.Is it true our politicans have sold us out to other countries.China for one.They are buying up our food sources.They probaly don't want us to beable to grow our own foods or have our own livestock.The crops are genetically engineered so our seeds probably are too.They probably own the insurance companies tooHow do people go to florida for the winter and leave their houses vacant without paying higher rates.I was told insurance companies don't cover vacant homes.Thanks for listening.Bless you""

Are insurance companies allowed to take skin colour into consideration when working out a cost?

If it is found that black people make more claims can the use this

What car can i get that will be the cheapest insurance a month?

Hello I'm 18 I'm a male and I live in Cleveland Ohio I was wondering what is the best car I can get with the lowest insurance a month? And what is the best car insurance for first time drivers?

Car insurance?

suppose a 24 yr old is paying $600 a year for liablility car insurance. how much will this person be paying when they reach 25 years old?

Is Unitirin a good insurance company?

I need to get new insurance ASAP... is Unitrin OK?

Getting a license increases car insurance?

When applying for a drivers license for the first time, i was wondering if it increases a person's car insurance; even if the person that is getting the license doesnt have a car, and is under the age of 18.""

What's average price for moped insurance?

thinking of a getting a 125cc cobra, i'm 18 and recently passed my CBT. Can anyone please tell me how much i'd be looking at paying?""

""Wrecked best friends car, no license, I'm uninsured, 18 and terrified! I DON'T KNOW WHAT TO DO!!!!!!?""

So, I am 18, and yesterday my cousin was planned to come in from the UK at the Sky Harbor Airport in, Arizona. On my way there I was driving at a close speed limit of 50, speed limit was 45, approaching a red light, I was slowing down, when something abruptly ran across the road, close to the car, causing me to slam on the breaks, losing control of the wheel, and I tumbled 4 times over the street, busting the side window, scraping some paint, and cracking the windshield. Thankfully, I was not hurt, no neck, back, leg, or any body injuries for that matter. The police was near by, so helped me out, firefighters took care of me, to make sure I was okay. And then the report happened. I told them the honest truth, they said that I won't be arrested, or given a ticket, but I do have to go to court to prove I had no insurance. I don't know what to do, I know it was completely idiotic driving without a license, and no permit, with no insurance, but my friend has insurance on the car. I have the police report, and I don't know what I have to do, but I will help him with anything as this is my best friend, and I am not straying away from this situation. Will his insurance cover this? Do I look okay is this situation? PLEASEEEE! Someone help me! I'm desperate for advice, I've definitely learned my lesson, and I have no family here in Arizona as they are all in Georgia, I am here for school at ASU, please tell me his insurance will cover this!""

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

Harrisburg Pennsylvania Cheap car insurance quotes zip 17108

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