#ubi roy

[butterbeerandlemoncakes]

Books of 2022

Persepolis, Marjane Satrapi-- I’m not typically a graphic novel person, but this one was pretty good. It follows the story of a young girl growing up in Iran, and how living in a country going through wars and political movements affected her childhood and her family. 

Animal Farm, George Orwell--For some reason, I never had to read this one in High School, so thought it was high time that I read it. I understand why its a book used in HS literature, it definitely makes you think--who’s way was right? Is there a right way? Not entirely pleasant to think about, especially with the way the world is today, but that’s the point.

Custer’s Fall: The Native American Side of the Story, David Humphreys Miller--This was a really interesting read. It was basically compiled from a bunch of oral histories from Native Americans who either lived through the Battle of Little Bighorn, or were closely related to someone who was, and thus could tell their story. It never really occurred to me before that, even though no White men survived the battle, we never really heard the Native American side of the story. We always see Custer portrayed as a hero, even though he was defeated at the battle. Would definitely recommend if you’re into American history.

May Day, F. Scott Fitzgerald--Didn’t care for this one as much of his other short stories. It portrayed a snippet of a series of intertwining lives, giving us a glimpse of essentially one weekend, one night, really, in the lives of these people, and how they treated each other and how this impacted each of their lives. 

Interview with the Vampire, Anne Rice--one of the few examples where I actually liked the movie better than the book. Granted, this was one of the first books ever written by Anne Rice (I think), so her writing probably got better with time, and by the movie came out, many of the other books in the series had already been written, so there was much more material to draw off of. However, still a fairly enjoyable book and an easy read.

The Arabian Nights: The Voyages of Sindbad the Sailor and Other Stories, edited by Andrew Lang--Although I’d already read one version of the Arabian Nights, this one contained stories--such as those of Sindbad, that I hadn’t read before. This translation didn’t flow as nicely as the other one I had read, with the stories flowing into each other, but was still a fun read.

The Murder of King Tut, James Patterson & Martin Dugard--This was an alright read. It was fun and quick to get through, but overall seemed lacking in plot. I think the title makes it seem like it will be more of a mystery/thriller than it was.

Ubu Roi, Alfred Jarry--I got this book from a friend who said it was one of her favorite plays. Its basically a spoof on a lot of the “classic”/shakespearian dramas, and does follow those basic plotlines but in a much more vulgar way. It was an entertaining, if not strange, read. Reminded me a lot of some of the  plays I would write when I was younger.

The Drawing of the Three, Stephen King--Book 2 of the Gunslinger series, I didn’t care for this one as much as the first. Again, it’s a lot of setup for the rest of the series and introduction to more important characters, but I wasn’t as drawn to it as the first book. I’ll still continue to read the rest of the series, though.

London, Edward Rutherford--This is a LONG book, it took me several months to plug through. However, it was a very enjoyable read, detailing the history of London from prehistory to now. It follows a series of families, following their ancestors through time and just seeing how everyday people lived through all these historic times. A very interesting read.

[dekaydk]

Every argument against UBI is emotional: "it's not fair they get something from the government that I don't get." The facts of how well UBI works are undeniable.

Another ROI measurement: A single year of UBI payments is less than the cost to the city of dispatching emergency services, transporting someone to the ER, and ER services. When people get into a more stable living situation, they are actually healthier, and the cost to the taxpayer is lower. Current (non-UBI) spending on those eligible for UBI disappears into giant line items in a city's budget for emergency services, public hospital subsidies, and so on. UBI starts as additional spending, but if implemented widely enough would allow cities to shift their spending, and eventually actually have a smaller budget with healther and happier citizens.

A Seattle-area guaranteed basic income pilot gave low-income residents $500 a month to help reduce poverty. Employment in the group nearly doubled, and numerous unhoused residents secured housing. The Workforce Development Council of Seattle-King County launched a 10-month guaranteed basic income pilot program with 102 participants in fall 2022. New findings by research firm Applied Inference reveal that the $5,000 total payments improved participants' quality of life, housing, and employment outcomes.

Oh gosh look: another successful UBI pilot program.

Not only was employment doubled in the test group, their savings increased, and health & life insurance coverage tripled. Many participants got health insurance for the first time.

It's time to roll this out nationwide and with more money. The return on investment is undeniable and would be huge if it applied to everyone.

[christophe76460]

(Partie 72) Agenda 2030: Le CONTRÔLE de vos vies par les 17 objectifs de l’ONU!

En examinant les 17 objectifs de l’Agenda 2030, on se croirait dans un monde parfait tellement que ce sont des points à apparence vertueuse. Mais ne vous y trompez pas, cela apportera des rébellions quand vos vies seront contrôlées par ces 17 points. Il est impossible de transformer le monde en juste 7 années et il y aura toujours des personnes avec du pouvoir qui vont mener le bal en vivant comme des rois alors que le reste du monde sera des esclaves.

Tous ces points ne sont qu’une déception qui favorisera la montée de l’homme impie que la Bible appelle l’antéchrist.

Tous ces contrôles donneront du pouvoir à l’ONU qui verra un groupe de 10 nations se former et contrôler le monde avec une autorité et une dureté incroyable. On a déjà mentionné qu’il y a présentement 2 groupes (BRICS et ONU) qui pourraient satisfaire le critère biblique de 10 nations qui écraseront les nations avec une main de fer.

Je ne sais pas exactement lequel de ces deux groupes sera à la tête de ce dernier empire mondial que le prophète Daniel a mentionné, mais nous y sommes. Le bal des jugements de Dieu est sur le point de s’abattre, et cela, afin que les gens se repentent de leurs péchés et qu’ils soient sauvés.

Le directeur général de l’ONU a déclaré vouloir que toutes les nations RECONFIRMENT leur engagement envers ces 17 objectifs pour le DERNIER «7 ans» de l’Agenda 2030. Je trouve cela très et très important, car on sait que l’antéchrist va confirmer un pacte de 7 ans avec plusieurs nations.

Mais avant que le pacte de l’antéchrist ne soit confirmé, un évènement extraordinaire se produira. Jésus a promis de venir chercher ses brebis et de les prendre avec lui (Jean 14). On peut lire aussi dans 1Corinthiens 15 qu’au son de la Trompette de Dieu, les chrétiens nés de nouveau seront enlevés à la rencontre du Seigneur.

Je ne sais pas si ce pacte de 7 ans de l’ONU est bien le pacte de 7 ans de l’antéchrist, mais je voudrais vous exhorter à y prendre garde, car si c���est le cas, l’enlèvement est à notre porte. RD

Voici ce que les objectifs de développement durable signifient vraiment pour l'humanité!

1. Zéro Pauvreté : Comment pensez-vous que cela arrivera sans toucher votre portefeuille? Le contrôle de vos dépenses se fera par la monnaie numérique qui mettra un frein sur votre style de vie.

UBI, banque centralisée, FMI / Banque mondiale, CBDC

2. Zéro Faim : Cela veut aussi dire un changement radical de ce que vous mangerez.

Fausse viande, OGM, manger des insectes

3. Bonne santé/bien-être : La Santé est un des piliers avec le climat afin de limiter vos déplacements et votre manière de vivre.

Injections Massives, "Passeports Vaccins", Codex Alimentarius, Masques, Surveillance de l'État, Limiter ou supprimer l'accès aux remèdes naturels.

4. Bonne éducation : Les parents ne contrôleront plus le curriculum des enfants et l’enseignement du temps de LOT de Sodome et Gomorrhe.

Propagande contrôlée par l'État depuis la naissance. Ignorance des informations de base pour soutenir l'indépendance vis-à-vis du système.

5. Égalité des sexes : Cela veut dire l’abolition de la morale biblique et l’abolition d’un Dieu qui juge.

Transgenre, contrôle de la population, éclatement de la famille

6. Eau propre et assainissement : L’eau sera rationnée et contrôlée.

Contrôle par l'État de l'approvisionnement en eau et des produits chimiques ajoutés (par exemple, le fluorure)

7. Énergie abordable et propre : L’Énergie ne sera pas abordable lorsque les fossiles combustibles seront éliminés, mais un contrôle extrême de votre utilisation sera de mise.

Réseau INTELLIGENT, compteurs INTELLIGENTS, tarification maximale, voitures électriques, augmentation des prix de l'essence/de l'énergie, écotaxes

8. Travail décent et croissance économique :

Méga-entreprises, Crash Économique, Contrôle des moyens de production, Destruction des petites entreprises.

9. Industrie, innovation et infrastructure : Le mouvement des populations sera limité.

Restrictions de voyage, fermeture des aéroports, villes à 15 min

10. Réduire les inégalités au sein et entre les pays : Un transfert des richesses.

Économies de crash, CBDC, UBI

11. Établissements humains sûrs + durables + villes :

Villes à 15 minutes, ULEZ, surveillance Big Brother, ID numériques, 5G

12. Consommation et production responsables :

Limites de consommation (y compris via les CBDC), Taxes

13. Arrêtez le changement climatique : Celui-ci est un gros morceau, le deuxième pilier qui va contrôler les dépenses des gens avec un index Aland qui dictera ce que vous pouvez manger et acheter selon votre empreinte carbone.

Verrouillages climatiques, taxes sur le carbone, contrôle via les CBDC, contrôle des voyages

14. Utilisation durable de la vie sous l'eau

Contrôle des océans + droits miniers, OGM

15. Utilisation durable de la vie terrestre

Contrôle des terres + droits miniers, OGM

16. Paix, justice, inclusion et institutions solides

Supprimer les droits de l'individu, l'utilisation des CBDC, les "projets de loi sur la sécurité en ligne", les lois sur le discours de haine, l'isolement social

17. Partenariats mondiaux

Supprimer la souveraineté nationale, WEF, société civile, corporatocratie, ONG

Daniel 7:19-25 Ensuite je désirai savoir la vérité sur le quatrième animal, qui était différent de tous les autres, extrêmement terrible, qui avait des dents de fer et des ongles d'airain, qui mangeait, brisait, et foulait aux pieds ce qu'il restait; et sur les dix cornes qu'il avait à la tête, et sur l'autre qui était sortie et devant laquelle trois étaient tombées, sur cette corne qui avait des yeux, une bouche parlant avec arrogance, et une plus grande apparence que les autres. Je vis cette corne faire la guerre aux saints, et l'emporter sur eux, jusqu'au moment où l'ancien des jours vint donner droit aux saints du Très Haut, et le temps arriva où les saints furent en possession du royaume. Il me parla ainsi: Le quatrième animal, c'est un QUATRIÈME ROYAUME qui existera sur la terre, différent de tous les royaumes, et qui DÉVORERA TOUTE LA TERRE, la foulera et la brisera. Les DIX CORNES, ce sont DIX ROIS qui s'élèveront de ce royaume. Un AUTRE s'élèvera après eux (antéchrist), il sera différent des premiers, et il abaissera trois rois. Il prononcera des paroles contre le Très Haut, il opprimera les saints du Très Haut, et il espérera changer les temps et la loi; et les saints seront livrés entre ses mains pendant un temps, des temps, et la moitié d'un temps (3,5 années).

Voici, je vous dis un mystère: nous NE MOURRONS PAS TOUS, mais TOUS nous serons CHANGÉS, en un instant, en un CLIN D’ŒIL, à la DERNIÈRE TROMPETTE. La trompette sonnera, et les morts ressusciteront incorruptibles, et nous, NOUS SERONS CHANGÉS. Car il faut que ce corps corruptible revête l'incorruptibilité, et que ce corps mortel revête l'immortalité. 1Corinthiens 15:51-53

(Partie 69) Agenda 2030: Le PLAN de 7 ANS proposé par l’ONU a-t-il une signification PROPHÉTIQUE?

https://www.facebook.com/groups/823351565419204/permalink/934952244259135/?mibextid=S66gvF

(Partie 70) Agenda 2030: L’ALLIANCE de 7 ans PROPOSÉ par l’ONU en septembre!

https://www.facebook.com/groups/823351565419204/permalink/937736187314074/?mibextid=S66gvF

(Partie 71) Agenda 2030: Quand les hommes diront: «PAIX ET SÉCURITÉ»!

https://www.facebook.com/groups/823351565419204/permalink/937938417293851/?mibextid=S66gvF

(Partie 7) Retour: L'ONU veut un ACCORD ACCÉLÉRÉ de 7 ans pour atteindre l'Agenda 2030 en 2030!

https://www.facebook.com/groups/823351565419204/permalink/933511597736533/?mibextid=S66gvF

(Partie 9) Retour: Les 7 ANNÉES restantes du GRAND RESET pourraient être le temps de la TRIBULATION!

https://www.facebook.com/groups/823351565419204/permalink/937450674009292/?mibextid=S66gvF

(Partie 10) Retour: Deux GROUPES de 10 NATIONS se préparent à l’HORIZON!

https://www.facebook.com/groups/823351565419204/permalink/938467100574316/?mibextid=S66gvF

IMG2897

[revolutionnews]

FED UP with all of the Bo0mers saying this sh#t?

“If you’re vaccinated, you won’t die. You MIGHT get sick. But you won’t die!!” - says Bo0mer

Tell us more, o’ aged fountains of wisdom!

It must be really nice to have MEDICARE pay for your hospital visit when you get sick.

It must be really nice to have SOCIAL SECURITY pay you every single month reliably, like clockwork -- whether you get out of bed or not.

So go ahead, continue your SELF-CENTERED thinking.

Go on your VACATIONS.

Go EAT OUT.

Go SHOPPING.

Go FU#K YOURSELF.

MEANWHILE...

You know “that look” young service workers are giving you while you’re chowing down at Dennys?

While you’re pushing your cart in Walmart? While you’re at the Dollar Store?

THAT LOOK in the eyes those workers is the look of utter contempt.

Quite frankly, you are endangering our lives.

We waited behind you so you could get vaccinated first.

Medicare?

HA! We are not as lucky as you, Bo0mer.

Go shopping, eat out, have fun. Chances are you are spreading COVID. You can be fully vaccinated and still get OTHERS sick, you know?? (Or maybe you just don't care.)

Those "others" are US, you D*#kS!

Us. The under-insured, the non-insured.

And who the hell is going to pay for our hospital visit if we get sick??

"Thanks for caring about our lives, B0omers."

You've treated us like crap from the beginning, Bo0mers, and of think you have the right to make us sick, then we have the right to: pee in your soup, spit on your burger, give you the dirty cup we just used.

Fair is fair.

[emjee]

You do not have to be good: a modern Nicolò di Genova fanmix

Here’s a playlist of choral music to go along with my fic of the same name (but you don’t have to read it to enjoy this). Full tracklist and a copy-and-paste link (in case tumblr decides to act up) under the cut.

Tracklist:

1. View Me Lord / Lloyd / St. Mary’s Cathedral Choir 2. O Salutaris Hostia / Rossini / Choir of New College, Oxford 3. Purge Me, O Lord / Tallis / Chapelle du Roi 4. Like as the Hart / Howells / The Sixteen 5. Tota pulchra es / Duruflé / The Choir of Trinity College, Cambridge 6. They that go down to the sea in ships / Sumsion / Choir of Selwyn College, Cambridge 7. O God, Thou Art My God / Purcell / Voces8 8. If Ye Love Me / Tallis / Choir of King’s College, Cambridge 9. Tantum ergo / Duruflé / The Choir of Trinity College, Cambridge 10. Sing My Soul, His Wondrous Love / Rorem / Choir of St. Thomas Fifth Avenue 11. Haec dies a 6 / Byrd / Choir of Clare College, Cambridge 12. Nunc dimittis in B-flat / Stanford / Choir of Truro Cathedral 13. There’s a Wideness in God’s Mercy / Bevan / RSCM Millennium Youth Choir 14. Ubi Caritas / Duruflé / The Choir of Trinity College, Cambridge 15. Set Me as a Seal / Walton / Choir of Jesus College, Cambridge

playlist link: https://open.spotify.com/playlist/6rV8V0lPRXfCBUxhAh6nrc?si=XHyI-WEVSFWitOAKSQBmrg

[bitchesgetriches]

Hiii! I saw a post you reblogged about Universal Basic Income, and I was wondering if I could pick your brain about that. It's one of those things I really want to work, but also it idk. Does the science behind UBI so far convince you? The one decent argument to the contrary that I saw so far was that you get a better ROI by focusing on free services (healthcare, school, housing, etc) to lower the cost of living, instead of raising everyone's income -- this way the wealth is distributed better.

I HECKIN LOVE THIS QUESTION.

UNIVERSAL BASIC INCOME IS A DELIRIOUSLY TEMPTING PROPOSITION. I PERSONALLY AM CONVINCED IT CAN WORK BECAUSE THE STUDIES THAT HAVE BEEN DONE ON IT IN SCANDINAVIA, CANADA, AND CERTAIN PARTS OF THE UNITED STATES. THESE STUDIES HAVE FOUND THAT WHILE COST OF LIVING HAS GONE UP A BIT AND INFLATION HAS CERTAINLY BEEN A FACTOR, THESE FACTORS HAVE NOT OUTWEIGHED THE BENEFITS.

PLUS, I ALSO REALLY, REEEEEALLY LIKE THE IDEA OF GOING “OK CONSERVATIVE FUCKWADS, YOU DON’T LIKE “THE NANNY STATE,” WELFARE, AND A SOCIAL SAFETY NET? FINE. EVERYONE GETS THE SAME AMOUNT. AND THAT’S IT.” THAT WAY PEOPLE WHO NEED HELP STILL GET IT, BUT NO ONE HAS THE CHANCE TO COMPLAIN ABOUT “WELFARE QUEENS” OR “MOOCHERS” BECAUSE THEY’RE LITERALLY GETTING THE SAME BENEFITS.

THAT SAID... YOU

‘RE RIGHT! WE FUCKING SHOULD BE INVESTING IN THE KIND OF SOCIALISM-LIGHT THAT FUNDS PUBLIC SCHOOLS, PUBLIC HOUSING, AND PUBLIC HEALTHCARE. I WOULD FUCKING LOVE TO LIVE IN THAT WORLD. BUT I ALMOST FEEL LIKE UBI IS MORE LIKELY TO HAPPEN WITHIN MY LIFETIME THAN UNBRIDLED SUPPORT OF WHAT ARE BASICALLY SOCIALIST INSTITUTIONS.

AS PREVIOUSLY MENTIONED, I’M AT A BAR, BUT THOSE ARE MY INEBRIATED THOUGHTS ON THE MATTER!

[scottsantens]

Tweeted

"The annual cost of child poverty comes to around $1 trillion. Meanwhile, every dollar spent reducing child poverty is estimated to yield $7 in the future. This exceeds the return on most private investments." UBI HAS A HUGE ROI.https://t.co/GGmyyu62Ye #BasicIncome #YangGang

— Scott Santens (@scottsantens) May 10, 2019

[thedjmusic]

Beatport Weekend Picks 26 (July 2022)

DOWNLOAD: https://thedjmusic.com/music/beatport_weekend_picks_26_july_2022_0

DATA CREATED: 2022-07-04 TOTAL: 78 GENRE: House, Tech House, Afro House, Jackin House, Deep House, Soulful House, Funky House, Organic House / Downtempo, Progressive House, Nu Disco / Disco, Melodic House & Techno, Techno (Raw / Deep / Hypnotic), Techno (Peak Time / Driving), Dance / Electro Pop, Indie Dance

A Moon Away - Eli Nissan

Années Folles Deborah Aime La Bagarre, Herr Krank

Apes On Acid - Original Mix - The Reason Y

Basal 1 Truncate

Beyond Redemption - Original Mix Vågh

Break The Rules - Ezequiel G

Brown Eyes - RSquared

Bumble What - Francesco V

Chakruna Ego Dissolve

Controlled Chaos Sidney Charles

Da Fonk (feat. Joni) - Mochakk, Joni

Darkness Avoider Sam Kitt

Deep Clouds - Max Marinacci

Deep Focus - Original Mix Risa Taniguchi, Yigitoglu

Dirty Mochyn Harrison BDP

Don't Wanna Try It Felipe Gordon, Bob The Egoist

Dry & High Sasha, Qrion

ESP Black Sun Empire, State of Mind

Ecuador - AMPISH

Exposure - Extended Mix Lex Luca

Feel the Bass - Original Mix Ziger

Flying Octopus Reinier Zonneveld, HI-LO, Oliver Heldens

Foreign Language (feat. Jess) [Riva Starr Turbo Disco Remix] Flight Facilities, Jess, Riva Starr

GoalPurpose - bendrik

Got To Do Baccus

Hidden Peak Annett Gapstream, Daniele Di Martino

High Bridge Sina Bathaie

Hollywood Collé, Ariaano

Howling - Original Mix Stiv Hey

I Feel A Storm - Raito Rmx - T78, Frankie Bones, Raito

In The Dark - Aeroplane Remix - Purple Disco Machine, Sophie and the Giants, Aeroplane

Insanity Menog

Intensity Fluctuations - Setaoc Mass remix Ø [Phase], Sam Coates

Je Suis Chris Whittaker

Jungle Deep - Extended Mix Kokoro Disco-San

Levitation - Supacooks

Love Games - Biesmans Remix - Schmutz (BE), Biesmans

Lurandi Metro Dade

M.M.M Black Fancy

Mambo Jambo - Space Motion, Stylo, Joezi, Idd Aziz

Medidate - Original Mix Nuendo

Nara - Extended Mix - Calussa

New Moon - Doctor Dru

No Stoppin' Black Fancy

No Time for Tears - Birds of Mind

Not Even Close - Original Mix Risa Taniguchi, Yigitoglu

November Rain D-Formation, Lonya

One More Tune - Melodymann

Remedy - I.C.U

Return To Sender - TI, Trex

Roses Are Black - Kadhem

Roxy's Sweat - Original Mix - Franky Rizardo

Roy Layers - Jamie 326, Danou P

Sandcastles - Kadosh, Johannes Albert, Abrão

Saturn - Morttagua Remix - Flow & Zeo, Morttagua

Shadow - Godlands Remix - Boombox Cartel, Moody Good, Godlands, Calivania

Simonelli Freestyle Man

Spaceglide - Extended Mix - Stoneface & Terminal, SinSonic

Spoiler Boom Adrian Hour

Subterranean Glowstick Blues - Audioglider

Summer In The City Sidney Charles

Sunshine - JKriv Beach Burn Mix - Kokoro Disco-San, Clara Gispert, JKriv

Surrounded By Neighbours Luke Vibert

Swerve - Original Anthony Naples

Tactic - Pfirter

 The Rite Hyenah, Ernesto & The Basement Gospel

The Sample (Hijack Remix) - Kyle Watson, Hijack

Think About Me Azifm, Scout

Travel to the Unknown - Julian Nates Remix Lio Q, Nicolas Leonelli, Julian Nates

Tuko Tuko Lee Foss, Paskman

Ubi - Musumeci Waterfloor Mix Mia Mendi, Thomas Gandey, Musumeci

We Don’t Need - Piero Pirupa, Ben Kim & Samuele Scelfo present After Mars Remix Piero Pirupa, Samuel

Wedance Drumcomplex, Dr. Motte

White Nights Weekend Heroes, Cadillac Express

Wilderness - Tim Cant

With You S.P.Y

You and the Beat Dompe

Your Love - Extended Club Mix Hyenah, Nanghiti Aviankoi

[harold-leitner]

Impact of Mobile Telematics in Personal Auto Value Chain

Author: SK Tirumala            Impact of Mobile Telematics in Personal Auto Value Chain                      

Usage Based Insurance (UBI) continues to gain momentum in Personal Auto, with many leading insurers offering straightforward safe driving discounts, to more sophisticated pay-per-mile (PPM), pay-as-you-drive (PAYD) and pay-how-you-drive (PHYD) products. Good drivers with clean driving history are shifting to these lower premium policies, in exchange for providing data on their driving routines and habits. While many consumers continue to be against sharing their driving data for privacy reasons, the tipping point is not far for a massive shift from buying standard policies to trying UBI policies. One of the biggest enablers this conversion is availability of smartphone-based telematics solutions, which are cheaper and easier to deploy than traditional hardware devices. This article however is about helping understand the big-picture impact a mobile telematics solution can have when bundled with digital policyholder services.

Many insurers are still in pilot mode and tip-toeing their way in, due to a variety of reasons ranging from concerns on meaningful adoption, to lack of conclusive proof that loss ratios would improve, to complexity of developing discount models that convince regulators, or to lack of trust on the technology itself and accuracy of data delivered by it. If the concern was just around technology and data, then we can weaken that argument with proof that well over 36% of the top personal auto insurers that cover over 50% of the personal auto market in the US are already using smartphone telematics to offer 15%-30% discount on premium in exchange for access to driving data. That would not have happened if the smartphone approach was still experimental, and had not proven to be working.

As it would be expected of any strategic initiative, launching UBI products and/or offering safe driver incentives, would also demand a solid business case and supporting ROI analysis, for approvals and organizational prioritization. Unlike typical technology projects that can be expensive, time-consuming and resource intensive, smartphone telematics solutions are simple to plan, quick to implement, and can deliver significant ROI. The reason is that a bundled smartphone solution can simultaneously advance many strategies, and deliver tangible benefits to multiple departments across the insurance value chain.

Even if a standalone mobile telematics solution (i.e. without other policyholder services) is pursued, the ROI is proven to be quite significant; with risk appropriate pricing driving the topline growth, and conscious driving the driving improvement to the bottom line. However, if the solution was bundled with digital policy and claim services, then benefits and the ROI are compounded further, to increased awareness and adoption.

The picture below maps the features of a bundled mobile app across various links of the insurance value chain that can empower associated strategic objectives to improve risk selection, sales, and service. No alt text provided for this image

The diagram also conveys that the key to maximizing benefits from smartphone-based telematics is to think beyond just reducing claim costs. Instead insurers should look at the opportunities that a well-scoped solution could create to sell, interact, and service better using mobile digital services, and simultaneously reducing the exposures with driving data analytics. The trick to achieving this high IRR is to develop an app that appeals to the policyholder as extremely useful tool to possess. Aggressive marketing across agency, social and digital channels is needed to generate awareness of the rich features offered in the app, with a clear articulation of “what’s in it for them”. If mobile app features are engaging, valuable and easy to use, consumers will be drawn to downloading and using the solution.

The estimated internal rates of return (IRR) for some initiatives have been well over 100% (15% IRR being a typical threshold to approve projects). It may appear too good to be true, but it is not far-fetched at all, especially when all of the possible benefits are captured by the solution.

For those who wish to start this journey cautiously, a well-planned crawl-walk-run strategy is a sound approach. It means begin with a digital policy services mobile solution, but with an embedded telematics engine that can be selectively turned on to test and refine the strategy of using driving behavior data for reducing exposures.

Many small to mid-sized insurers that have not initiated their mobile strategy have not yet realized the opportunities being missed by not having a mobile app for their customers. Mobile-responsive web portals cannot simply provide the experience customers are looking for. Moreover, with UBI products gaining momentum, it is time for these auto insurers to plan and prepare for what seems like an imminent transformation of auto insurance market. With modest investments, significant monetary benefits could be realized across the value chain, not to mention, the priceless value of saving lives by reducing accidents and making the roads safer.

[whatimconsuming]

The companies that will win in the creator economy will be those that build tools specific to every stage of a creators lifecycle from awareness to ownership. Creator x Company Pairing (awareness-ownership)

When building for the creator economy, you're building two products simultaneously. One is your product and the other is a community program that empowers your creators. Without creators, you don't have consistent distribution. This is why it's essential to be audience first or build in public (aka document building your product openly). A possible solution will be a product that lets early stage founders find creators who are willing to test and provide feedback on their products. This could be a marketplace or platform that allows founders and creators to connect with one another in exchange for being early community members, product testers and users. The Universal Feed (awareness - ownership)

Companies that will win the creator economy from the awareness to ownership phase of a creators lifecycle will be those platforms that can offer financial and discoverability solutions regardless of the platform. The company that's able to pull in content into a universal feed with the ability to engage with that content (likes, comments, shares, DMs etc) will become essential. The reason being is there will be a need to help creators engage with their fans plus manage multiple mediums as creators become full-stack creators begin to rollout omni-world activations.

Combined a universal feed with the ability too monetize, and the platform becomes an aggregator and gatekeeper of content. In short, it's a universal hub for aggregating content with realtime ways to monetize and engage will help service omni-channel creators as more creators diversify their social channels and mediums. UBI Creator Economy (awareness - ownership) The biggest challenges impacting creators are monetization and discoverability. However the current state of companies are focused on monetization in a way that benefits the top 1% of creators. Small-midsize creators are being phased due to lack of revenue and being discovered. Companies that can offer a universal basic income to creators will create, acquire, and retain more creators. The company that's able to create or implement an ROI positive income program for creators will separate themselves from the pack. The challenge comes with maintaining relationships with larger creators. By redistributing revenue, you're ultimately eating into the revenue opportunities for large creators. This could be the reason companies don't rollout these programs as 80% of a creator revenue is being generated by the top 20% of creators. The solution here is a company or fund that allows aligns the incentives of large and small-creators and offers payment who reach a criteria and maintain eligibility status. For example, a company could require creators to qualify for UBI by needing a minimum of 10,000 followers, posting 1x-2x a week in order to qualify. The criteria will change depending on the platform but there's a prime opportunity for a company to build a solution to manage this out of the box for platforms.

Omni Channel Analytics (Commerce - Ownership)

With the increase in tools, social channels, domains, and content, creators are going to need solutions to track these areas. Companies such as Stir and Juice are providing solutions for creators to manage the financial aspect across platforms. The challenge comes with the rise of Web 3 and users tracking ETH and other crypto payments/wallets.

Creators who branch into NFTs but also have traditional e-commerce revenue will need solutions to track and record crypto and fiat finances in one place.

Social platforms that analyze content and track social stats will grow in importance as there will be a need to identify and determine what channels to prioritize, new potential revenue channels, and underperforming channels.

The winners of the creator economy will be those improve monetization and discoverability for all creators and those that make it easier to optimize key parts of the business at affordable rates.The biggest challenge to the creator economy is the eroding of small-midsize creators to due to lack of revenue and resources.

[facts4u2know]

Miscellaneous Posts

3/09/21

Based on electronic medical records in California, 32% of the Covid patients who had troubling long-term aftereffects had no symptoms from their original infection.

Republicans talk bravely about recapturing the Senate in the 2022 mid-term elections, but things are not going their way. Senator Roy Blunt of Missouri is the 5th Republican Senator to say he will not seek election next year, while no Democrats are planning to retire.

More than 60 million Americans have received at least one dose of a Covid vaccine, accounting for more than 18% of our population, and leaving about 200 million US adults unvaccinated. We are now vaccinating more that 2 million people daily, at which rate it would take 100 days to complete vaccination of the entire US population. However - since the rate of vaccinating is steadily increasing, the daily new case rate continues to decline, tens of millions of unvaccinated Americans have already been asymptomatically infected and may not need to be vaccinated, and it is believed that we will achieve herd immunity if only about 80 % of our population is vaccinated - it seems reasonable to expect our lives to return to near normal by the end of April.

Wisdom has a baby, at age 70! ICYDK, Wisdom is a Laysan albatross and is the oldest known wild bird. At her home base in a wildlife refuge in the north pacific, she recently birthed a chick at the ripe old age of 70 years. You go girl!

Biden announced that the changes in the Child Tax Credit in the American Rescue Plan, in which qualifying families will receive a $300 or $350 monthly check for each child, will cut the rate of child poverty rate by 50%. However, this is only for a year. Democrats hope to make it permanent at a later time but they would wise to instead provide a monthly Universal Basic Income (UBI), as Senator Warren had proposed, for every American adult, with, say $500 for each child.

[sarahjart]

PROJECT// PERSUASIONS- ARTISTS OF INSPIRATION: CONCEPTS

The following post is an exploration of a selection of artists listed as references on the brief. I have used inspiration from their concepts and occasionally visual inspiration in my own work for the starter project. 

Jillian Tamaki

Tamaki is an artist I am very much inspired by. I look up to her for her work in the graphic novel department after enjoying her artwork in ‘This One Summer’. This piece, recommended by the brief is titled 1831, and focuses on childhood play. This illustration is helpful to this project because it explores, representationally, elements of the hierarchy of needs and an understanding of needs in human child development. Some children are seen acting out more basic needs through play- splashing in the bathtub (sanitation), a milk bottle (food), playing ball and skipping rope (physical exercise). And some are displaying more developed needs- putting lipstick on, talking on the phone (esteem), playing guitar and drawing (self-actualisation through creativity). The illustration also explored how childhood has changed throughout the years, developing from playing ball to texting on a mobile phone. 

I am inspired by Tamaki’s work in her style of representational art, and ability to infer symbolism without being outwardly obvious in a way that spoils the illustration into becoming only about the symbolism. Tamaki’s art has the same duality as some of the tarot card designs I looked at in a previous post. 

Ubi Roi 

Ubu Roi is a French play by Alfred Jarry, first performed in 1896. It is considered a wild, bizarre and comic play, parodying parts of Shakespeare's Macbeth, King Lear and Hamlet. The writing and dialogue are intentionally obscene and childish, overturning social rules, norms and conventions. As a result it was deemed disrespectful and overly rude by most who first viewed it. However its childishness began to allow the expression of something deeper- an inner consciousness. It was seen to have opened the door to modernism as a precursor to the surrealism and Dada movements. 

I have not seen the play, however from what I have seen from the above illustration and photographs I love the imagery. I am very interested in its cultural impact on artistic movements- especially surrealism and symbolism- where it touches relevance with my current project. Symbolism was a French artistic movement originating in 1857 at its very earliest. 

Erwin Wurm

Erwin Wurm creates abstract sculptures, often touching images of the human figure and buildings. I am interested in his work because of its perching on the precipice between representational and non-representational artwork. You can still recognise parts of the figure quite clearly as human, and yet others are strangely blank and square. I think this blend between abstraction of form and symbolism in the bland, soulless light pink colour and twisted portions of the figure is very powerful in delivering impressions of feelings to the viewer. I hope this is something I can do in my own 2D work. 

Ernst Haeckel

Ernst Haeckel was a biologist, naturalist and philosopher who discovered, described and named thousands of new species during the 1800s. As well as his extensive contributions to the human understanding of the natural world, he also was an amazing artist. He mapped and illustrated a genealogical tree relating to all life forms (above) and created plates for his books pertaining to the artistic beauty of nature (below). 

Haeckel directly inspired my work through his use of bright, but not unnatural, colour. His illustrations jump out of the page at you in all their wonderful representational detail and demand your attention, but do not do so in a way that distracts from their realism. Although I am not depicting direct realism on one side of my cards, I still want to create the same depth of colour in my work. 

Seymour Chwast

Seymour Chwast was an American Graphic Designer who was an expert in re-creating historical styles and movements in his work. I have recently become very interested in medieval styles of illustration, and so was immediately drawn to Cwast’s work, especially for ‘battle book’ (above). I will write more about his influence in my next post on my visual style inspirations. 

[decanting-cerebral]

200 + 1: The Music Of 2016

Africaine 808, Basar   [Golf Channel Recordings] Africans With Mainframes [Heiroglyphic Being + Noleian Reusse], K.M.T.   [Soul Jazz] Afro-Haitian Experimental Orchestra, Afro-Haitian Experimental Orchestra   [Glitterbeat] Alpha 606, Afro-Cuban Electronics   [Interdimensional Transmissions] Oren Ambarchi, Hubris   [Editions Mego] Darcy James Argue’s Secret Society, Real Enemies   [New Amsterdam] A$AP Ferg, Always Strive And Prosper   [RCA] Asda, The Abyss   [NoCorner] Atlantis Jazz Ensemble, Oceanic Suite   [Marlow Records] Audacity, Hyper Vessels   [Suicide Squeeze] Babyfeather, “BBF” Hosted By DJ Escrow   [Hyperdub] Azealia Banks, Slay-Z   [self-released] Kenny Barron Trio, Book Of Intuition   [Impulse!] Beekman, Beekman Vol. 2   [Ropeadope] Bent Shapes, Wolves Of Want   [Slumberland] Beyoncé, Lemonade   [Parkwood Entertainment] Big Ups, Before A Million Universes   [Exploding In Sound] BJ The Chicago Kid, In My Mind   [Motown/UMG] Black Bombaim & Peter Brotzmann   [Shhpuma] Black Milk & Nat Turner, The Rebellion Sessions   [Computer Ugly] Carla Bley/Andy Sheppard/Steve Swallow, Andando El Tiempo   [ECM] Jane Ira Bloom, Early Americans   [Outline] Bombino, Azel   [Partisan Records] Brookzill!, Throwback To The Future   [Tommy Boy]

Danny Brown, Atrocity Exhibition   [Warp] Jaimeo Brown Transcendence, Work Songs   [Motema Music] Taylor Ho Bynum, Enter The PlusTet   [Firehouse 12] Uri Caine Trio, Calibrated Thickness   [816 Music] Will Calhoun, Celebrating Elvin Jones   [Motema] Car Seat Headrest, Teens Of Denial   [Matador] Causa Sui, Return to Sky   [El Paraiso] Cavern of Anti-Matter, void beats/invocation trex   [Duophonic] Chance The Rapper, Coloring Book   [self-released] The Chicago Plan, The Chicago Plan, [Clean Feed] Chimurenga Renaissance, Girlz With Gunz   [Glitterbeat] Brandy Clark, Big Day In A Small Town   [Warner Bros.] The Coathangers, Nosebleed Weekend   [Suicide Squeeze] Avishai Cohen, Into The Silence   [ECM] Leonard Cohen, You Want It Darker   [Sony] Kweku Collins, Nat Love   [Closed Sessions] Frankie Cosmos, Next Thing   [Bayonet Records] Andrew Cyrille Quartet, The Declaration Of Musical Independence   [ECM] Damana (Dag Magnus Narvesen Octet), Cornua Copiae   [Clean Feed] The Dead C, Trouble   [Ba Da Bing!] Deap Vally, Femejism   [Nevado Music] Death Grips, Bottomless Pit   [Third Worlds] Debo Band, Ere Gobez   [FPE Records] Jack DeJohnette, In Movement   [ECM] Olegario Diaz, Aleph In Chromatic   [SteepleChase]

Whit Dickey / Kirk Knuffke, Fierce Silence   [Clean Feed] DJ Rude One, ONEderful   [2RBR] Pierre Dorge & New Jungle Orchestra, Ubi Zaa [SteepleChase] Dave Douglas, Dada People   [Greenleaf] Dre Hocevar, Transcendental Within The Sphere Of Indivisible Remainder   [Clean Feed] Mark Dresser Seven, Sedimental You   [Clean Feed] Dressy Bessy, Kingsized   [Yep Roc Records] Drive-By Truckers, American Band   [ATO Records] Earprint, Earprint   [Endectomorph] Harris Eisenstadt, Old Growth Forest   [Clean Feed] Eskimeaux, Year Of The Rabbit   [Double Double Whammy] Family Atlantica, Cosmic Unity   [Soundway] The Field, The Follower   [Kompakt] Fire!, She Sleeps She Sleeps   [Rune Grammofon] Flatbush Zombies, 3001: A Laced Odyssey   [Glorious Dead Recordings] Zélia Fonseca, O Terceiro Olho da Abelha   9Yellowbird] Michael Formanek / Ensemble Kolossus, The Distance   [ECM] Daniel Freedman, Imagine That   [Anzic Records] Free Nelson MandoomJazz, The Organ Grinder   [RareNoise] Fruit Bats, Absolute Loser   [Easy Sound Recording Company] Robbie Fulks, Upland Stories   [Bloodshot] Ras G, The El-Aylien Tapes   [Leaving Records] Gambari Band, Kokuma   [Membran Media] Giant Peach, Tarantula   [Don Giovanni Records] Bob Gluck [etc], Infinite Spirit: Revisiting Music Of The Mwandishi Band   [self-released]

GoGo Penguin, Man Made Object   [Decca Records France] Brian Groder Trio, R Train On The D Line   [Latham Records] Los Hacheros, Bambulaye   [Jacob Plasse] Charlie Haden/Liberation Music Orchestra, Time/Life   [Impulse!] Mary Halvorson Octet, Away With You   [Firehouse 12] Handsome Family, Unseen   [Loose Music] PJ Harvey, The Hope Six Demolition Project   [Island] Alexander Hawkins & Evan Parker, Leaps In Leicester   [Clean Feed] The Heliocentrics, From The Deep   [Now-Again Records] The Fred Hersch Trio, Sunday Night At The Vanguard   [Palmetto] Hinds, Leave Me Alone   [Mom + Pop] Anna Högberg Attack, Anna Högberg Attack   [Omlott] Homeboy Sandman, Kindness For Weakness   [Stones Throw] HXLT, HXLT   [Def Jam] The I Don’t Cares, Wild Stab   [Dry Wood Music] Ethan Iverson, The Purity Of The Turf   [Criss Cross] Jigmastas, Resurgence Resurgence   [BBE] Julie Ruin, Hit Reset   [Hardly Art] Ka, Honor Killed The Samurai   [Iron Works] Matthew Shipp/Bobby Kapp, Cactus   [Northern Spy] Kaytranada, 99.9%   [XL] Allan Kingdom, Northern Lights   [So Cold Records] Aly Keïta, Kalo-Yele   [Intakt Records] Kel Assouf, Tikounen   [Igloo Records] Alicia Keys, Here   [RCA]

The Knocks, 55   [Big Beat Records] Kirk Knuffke [& Jesse Stacken], Satie   [SteepleChase] Konono No. 1, Konono No. 1 Meets Batida   [Crammed Discs] Kool A.D., Official   [self-released] Glenn Kotche / So Percussion, Drumkit Quartets   [Cantaloupe Music] Krakauer’s Ancestral Groove, Checkpoint   [Table Pounding Records] Julian Lage, Arclight   [Mack Avenue] La Sera, Music For Listening To Music To   [Polyvinyl Record Co.] Lady Gaga, Joanne   [Interscope] Kendrick Lamar, untitled unmastered   [Aftermath/Interscope] Law Holt, City   [Soulpunk] Okkyung Lee / Christian Marclay, Amalgam   [Northern Spy] Steve Lehman/Sélébéyone, Sélébéyone   [Pi] Jinx Lennon, Past Pupils Stay Sane   [Septic Tiger] Jinx Lennon, Magic Bullets Of Madness To Uplift Grief Magnets   [Septic Tiger] James Brandon Lewis Trio, No Filter   [BNS] L’Orange & Mr Lif, Life & Death Of Scenery   [Mello Music] Baaba Maal, Traveller   [Knitting Factory] Luísa Maita, Fio da Memória   [Cumbancha] Mantra Percussion / Michael Gordon: Timber Remixed   [Cantaloupe Music] Milton Marsh, The Music Of Milton Marsh Revisited Vol. 1   [Alankara Records] Leyla McCalla, A Day For The Hunter, A Day For The Prey   [JazzVillage] Lori McKenna, The Bird & The Rifle   [CN Records] Allison Miller’s Boom Tic Boom, Otis Was A Polar Bear   [Royal Potato Family] Nick Millevoi, Desertion   [Shhpuma Records]

Mr Fingers, Outer Acid EP   [Alleviated] Mr. Lif, Don’t Look Down   [Mello Music Group] Moksha, Beauty Of An Arbitrary Moment   [Jazzland] Heraldo do Monte, Heraldo do Monte   [Biscoito Fino] Moodymann, DJ-Kicks   [!K7 Records] Clara Moreno, Samba Esquema Novo De Novo   [Far Out] Maren Morris, Hero   [Sony] Murray, Allen & Carrrington Power Trio, Perfection   [Motema] Roy Nathanson & Friends, Nearness And You: Duets And Improvisations   [Clean Feed] Willie Nelson, Summertime: Willie Nelson Sings Gershwin   [Sony] Nisennenmondai, #N/A, [On-U Sound] No Em Pingo D’Agua, Sambatologia   [Biscoito Fino] Nots, Cosmetic   [Goner] NxWorries, Yes Lawd!   [Stones Throw] Frank Ocean, Blond   [Boys Don’t Cry] Aruan Ortiz Trio, Hidden Voices   [Intakt Records] Anderson .Paak, Malibu   [Steel Wool / OBE] Jeff Parker, New Breed   [International Anthem] Aaron Parks, Groovements   [Sundance] Parquet Courts, Human Performance   [Rough Trade] Florian Pellissier Quintet, Cap De Bonne Esperance   [Heavenly Sweetness] Luis Perdomo, Spirits & Warriors   [Criss Cross Jazz] Pet Shop Boys, Super   [x2 Recordings] Ralph Peterson, Triangular III   [Onyx/Truth Revolution] Richard Poole / Marilyn Crispell / Gary Peacock, In Motion   [Intakt]

Margo Price, Midwest Farmer’s Daughter   [Third Man Records] Psychic TV, Alienist   [Dais Records] Punkt3, Ordnung Herrscht   [Clean Feed] Quantic Presents Flowering Inferno, 1000 Watts   [Tru Thoughts] Isaiah Rashad, The Sun’s Tirade   [Top Dawg] Joshua Redman & Brad Mehldau, Nearness   [Nonesuch] Renegades Of Jazz, Moyo Wangu   [Agogo] Eric Revis Trio [w/ Kris Davis and Gerald Cleaver], Crowded Solitudes   [Clean Feed] Rhythm Future Quartet, Travels    [Rhythm Future Quartet] Rihanna, Anti   [Westbury Road Entertainment] Jim Rotondi, Dark Blue   [Smoke Sessions] Rudy Royston, Rise Of Origin   [Greenleaf] Roswell Rudd, Jamie Saft, Trevor Dunn, Balázs Pándi, Strength & Power   [RareNoise] Wanda Sá, Cá entre nós   [Fina Flor] Sao Paulo Underground, Cantos Invisiveis   [Cuneiform] Savages, Adore Life   [Matador] Scarcity Of Tanks, Ringleader Lies   [Total Life] Mikael Seifu, Zelalem   [RVNG Intl.] Noura Mint Seymali, Arbina   [Glitterbeat] Shabaka & The Elders, Wisdom Of Ancestors   [Brownswood] Paul Simon, Stranger To Stranger   [Concord] Sleigh Bells, Jessica Rabbit   [Torn Clean] Wadada Leo Smith, America’s National Parks   [Cuneiform] Sneaks, Gymnastics   [Merge] Snowboy & The Latin Section, New York Afternoon   [Mark Cotgrove]

Elza Soares, The Woman at the End of the World   [Mais Um Discos] Solange, A Seat At The Table   [Columbia] Sonzeira, Tam Tam Tam Reimagined   [Brownswood] So Pitted, neo   [Sub Pop] Vince Staples, Prima Donna   [Def Jam] Robert Stillman, Rainbow   [self-released] Sturgill Simpson, A Sailor’s Guide To Earth   [Atlantic] Sun Ra / Merzbow, Strange City   [Cold Spring] Swet Shop Boys, Cashmere   [Customs] Tegan And Sara, Love You To Death   [Warner Bros] The Thermals, We Disappear   [Saddle Creek] Thug Entrancer, Arcology   [Kemado/Mexican Summer] A Tribe Called Quest, We got it from Here...Thank You 4 Your service   [Epic] Trio Da Paz [Lubambo/Matta/Fonseca], 30   [Zoho Music] Ukandanz, Awo   [Atypeek Music] Caetano Veloso & Gilberto Gil, Dois Amigos, Um Seculo De Musica David Virelles, Antenna EP   [ECM] Dan Weiss, Sixteen: Drummers Suite   [Pi Recordings] Kanye West, The Life Of Pablo   [self-released] Waco Brothers, Going Down In History   [Bloodshot] Greg Ward, Touch My Beloved’s Thought   [Greenleaf Music] Warehouse, super low   [Bayonet] White Lung, Paradise   [Domino Recording Co] Wussy, Forever Sounds   [Shake It Records] Eri Yamamoto Trio, Life   [AUM Fidelity] La Yegros, Magnetismo   [Soundway] Yoni & Getti, Testarossa   [Joyful Noise]

-- jazz, pop, avant: a jumping off point for explorations. 

[theda-rison]

Thursday Night Link Roundup - July 30th

Let’s get right into it:

A certainly-not-as-long-as-any-of-the-videos-last-week-but-still-kind-of-long-by internet-standards video by The Serfs about global warming. It’s funny and poignant and creative and everything I like about their video essays.

Hey! I don’t know what “defund the police” means! I wish someone - who is both funny and very intelligent - could explain it to me! What? Cody Johnson at Some More News anticipated my very specific and detailed desire!

There’s a bunch of important discussions like: “How do the police actually spend their time?” and, “Is there really a white supremacist problem in police stations across the US?” and the ever perennial, “We don’t have enough money for education, healthcare, housing, roads, or UBIs, but we have a ton of money to spend on policing-- what’s with that?”

Also, there’s a movie with Roy Scheider and water in it and… it’s on the tip of my tongue. Don’t tell me…

I watched this one by Drew Gooden a couple days ago, and I’m not even sure what I experienced. But I do  know that I never want to work in a place where I have to watch a training video.

Also, the fact that the Old Country Buffet video was uploaded by the guy in the video is just amazing. A++ sir.

Are you ever annoyed that English has a lot of little pronunciation rules that you’re just supposed to know because it doesn't use accents at all?

Thank you Aaron Alon. We’re out here PROnouCING frUITS inCORRectLY now.

This compilation of David Lynch just… being David Lynch.

I aspire to be as strange as this man.

Songs of the Week:

I guess the theme this week is “Not the Original Version”

Rick Astley - Everlong (Foo Fighters Live Cover)

My mom: Isn’t the Never Gonna Give You Up guy dead?

Me: Rick Astley? No he’s still alive. Youtube recommended me a video where he sang onstage with the Foo Fighters and then recommended one where he covered Everlong.

https://www.youtube.com/watch?v=C5oeWHngDS4

Killing in the name cover by audrey

https://www.youtube.com/watch?v=K7i-TV45lQE

Ya’ gotta start em’ young. Maybe she’ll grow up understanding why she feels angry when she looks at the mall as a teen, instead of being angry at girls at the mall like I was. It’s the capitalism you hate, not the people. 

“When a random guy with a saxophone shows up to the club”

This post went around again: https://seananmcguire.tumblr.com/post/624477415183433728/kittenoftheinternet-catchymemes-when-a

Some kind soul put the guy’s name in the notes: he’s Koichi Wada, this happened at Club Jb’s, and the DJ is Detroit Swindle (the original video is from DS’ instagram). If you search for Koichi on youtube you can find a couple tracks he’s featured on, I haven’t found anything else due to my not being able to speak Japanese.

[xemplarinsights]

Impact of Mobile Telematics in Personal Auto Value Chain

Usage Based Insurance (UBI) continues to gain momentum in Personal Auto, with many leading insurers offering straightforward safe driving discounts, to more sophisticated pay-per-mile (PPM), pay-as-you-drive (PAYD) and pay-how-you-drive (PHYD) products. Good drivers with clean driving history are shifting to these lower premium policies, in exchange for providing data on their driving routines and habits. While many consumers continue to be against sharing their driving data for privacy reasons, the tipping point is not far for a massive shift from buying standard policies to trying UBI policies. One of the biggest enablers this conversion is availability of smartphone-based telematics solutions, which are cheaper and easier to deploy than traditional hardware devices. This article however is about helping understand the big-picture impact a mobile telematics solution can have when bundled with digital policyholder services.

Many insurers are still in pilot mode and tip-toeing their way in, due to a variety of reasons ranging from concerns on meaningful adoption, to lack of conclusive proof that loss ratios would improve, to complexity of developing discount models that convince regulators, or to lack of trust on the technology itself and accuracy of data delivered by it. If the concern was just around technology and data, then we can weaken that argument with proof that well over 36% of the top personal auto insurers that cover over 50% of the personal auto market in the US are already using smartphone telematics to offer 15%-30% discount on premium in exchange for access to driving data. That would not have happened if the smartphone approach was still experimental, and had not proven to be working.

As it would be expected of any strategic initiative, launching UBI products and/or offering safe driver incentives, would also demand a solid business case and supporting ROI analysis, for approvals and organizational prioritization. Unlike typical technology projects that can be expensive, time-consuming and resource intensive, smartphone telematics solutions are simple to plan, quick to implement, and can deliver significant ROI. The reason is that a bundled smartphone solution can simultaneously advance many strategies, and deliver tangible benefits to multiple departments across the insurance value chain.

Even if a standalone mobile telematics solution (i.e. without other policyholder services) is pursued, the ROI is proven to be quite significant; with risk appropriate pricing driving the topline growth, and conscious driving the driving improvement to the bottom line. However, if the solution was bundled with digital policy and claim services, then benefits and the ROI are compounded further, to increased awareness and adoption.

The picture below maps the features of a bundled mobile app across various links of the insurance value chain that can empower associated strategic objectives to improve risk selection, sales, and service. No alt text provided for this image

The diagram also conveys that the key to maximizing benefits from smartphone-based telematics is to think beyond just reducing claim costs. Instead insurers should look at the opportunities that a well-scoped solution could create to sell, interact, and service better using mobile digital services, and simultaneously reducing the exposures with driving data analytics. The trick to achieving this high IRR is to develop an app that appeals to the policyholder as extremely useful tool to possess. Aggressive marketing across agency, social and digital channels is needed to generate awareness of the rich features offered in the app, with a clear articulation of “what’s in it for them”. If mobile app features are engaging, valuable and easy to use, consumers will be drawn to downloading and using the solution.

The estimated internal rates of return (IRR) for some initiatives have been well over 100% (15% IRR being a typical threshold to approve projects). It may appear too good to be true, but it is not far-fetched at all, especially when all of the possible benefits are captured by the solution.

For those who wish to start this journey cautiously, a well-planned crawl-walk-run strategy is a sound approach. It means begin with a digital policy services mobile solution, but with an embedded telematics engine that can be selectively turned on to test and refine the strategy of using driving behavior data for reducing exposures.

Many small to mid-sized insurers that have not initiated their mobile strategy have not yet realized the opportunities being missed by not having a mobile app for their customers. Mobile-responsive web portals cannot simply provide the experience customers are looking for. Moreover, with UBI products gaining momentum, it is time for these auto insurers to plan and prepare for what seems like an imminent transformation of auto insurance market. With modest investments, significant monetary benefits could be realized across the value chain, not to mention, the priceless value of saving lives by reducing accidents and making the roads safer.

https://www.xemplarinsights.com/impact-mobile-telematics-personal-auto-value-chain.aspx