User Based Insurance is catching on with Underwriters .
Underwriting rates based on real driver behaviors data..
Usage-based insurance is being adopted by major vehicle underwriters,
Metromile uses artificial intelligence & machine learning technology lead the way.
Major vehicle insurance companies using AI and Machine learning to set rates
Companies like Metromile are putting connected devices in vehicles. Then uses generated driver data to personalize quotes.
Remember seeing Spot moving boxes & materials around and looking cool?
Robots like the signature dog have been developed by Boston Dynamics in the last 28 years.
The Boston Dynamics enamored Google, Softbank, and now Hyundai to seeks to buy the company for $1B.
Meantime, BD’s robots are known for fluid movements & human like machines including Spot, the Robot Dog, a You Tube sensation.
Nobody knows what Hyundai will do with BD. Maybe talk of a Walking cars is being taken seriously.
GM intends to continue to be a global automotive source & brand.
So GM is transitioning to & investing heavily in electric vehicles.
In the next 5 years, seeks to be the major source of EV cars & trucks.
Investing $27B by 2025 & set to take on Tesla.
Seeks to refashion itself as a mobility company of the future.
EV revolution could trigger the eventual AV revolution in vehicle market.
This a new and different kind of contact tracing — Social Contact Tracing
And here is how you do it.
Find and call someone you care about, need, or bond. Make one call a day.
You can even email or text someone you care about or want to hear from.
Or expand Your “Bond Width”. Be a Social Contact Tracer & make some calls.
Just ask questions, be up, and then listen. If they don’t pick up. Leave cheery message. Call again tomorrow.
GM Onstar is getting into vehicle insurance underwriting.
GM knows from years of previous under writing that big challenge is to know the driver habits of the policy holder.
So is leveraging data generated by cars to re-establish its auto-insurance business.
This will provide rating data for car-insurance based remote tracking of drivers’ behavior.
So can set rates based on data that other competitors do not have.
GM or Onstar then uses this driver behavior data to set lower insurance rates.
And you thought your junk mail was just going to degrade in some landfill — Not the case.
All that paper trash you have been throwing out because COVID has forced you to work at home is being recycled
People working at Home are producing junk paper to be recycled into new paper products.
So paper Industry has found this Junk mail can be substitute source for recycling. More cash for trash
No longer– California Here I Come. Rather many long time residents of the State of California & their companies are moving out of state.
VC and mid sized companies are moving to places considered to not have California constraints.
Texas deemed to provide new & better opportunities without the problems & “baggage” California seems to have.
An Op Ed in the WSJ prompts this digestion & discussion of California issues that is worthy of action by the state government.
There is no real need to defund the budgets of local police & law enforcement.
What seems a better way to go for cities is instead create public safety departments.
The new consolidated protective services includes police, fire, & emergency medical services into one dept.
Using Cross training and coordinated functions this integration of departments is working. Budgets are one for all departments
Are you subject to conversion?
Or has your converter been converted to a theft stat?
There has been a huge rise in number of catalytic converter being stolen.
Catalytic converters are being cut off mountings under vehicles.
Vehicle owners have to pay $1,000 or more for a replacement converter.
An easy Grab and Go process enables thieves to remove a catalytic converter quickly, often in less than two minutes.
Vehicle owners have at least 10 ways to prevent such theft — and process is working or reducing theft, particularly with commercial vehicles.
What is going to be your fuel of choice in the next 5 years? Probably not fossil.
Hydrogen seeks to be a contender– BUT when is it going to be commercially available & affordable?
The production capability seems to be available from at least 4 major companies.
Green hydrogen is being toted by these consolidating commercial gas industry producers.
But there needs to a lower cost of hydrogen fuel production & distribution drive market & usage.
Get Biden Techy. Now there is an opportunity for a Biden presidency to integrate Silicon Valley technology into administration..
Seems to be a need to examine & position anti-trust, social media, digital divide, & big tech’s size.
Domestic surveillance & misinformation are major concerns of Big tech leadership & the Biden team.
Cyber threats & attacks have alarmed system & corporate management nationally.
Major cybersecurity hubs are & have been set up to deal wth cyberthreats.
More Leadership & investment needed to protect against unauthorized access to data centers & systems.
Obstacles that are slowing action– regulations, budget growth & corporate boards.
Business & security leaders being urgently challenged to change approach.
Cybersecurity and risk aversion have become a major business decision for Corporate America
You can sell your car and walk to the store. Work may be another matter.
Sprawling Phoenix to get community that has no cars & no traffic.
Developer building a 1,000-person development set to open fall 2020.
This new hood bills itself as the “world’s first post-car real estate developer”.
Plans 167 rowhouse-size apartment buildings broken up by wide pedestrian malls.
Area is half-acre park where residents can walk their dogs and stage picnics.
The National Automobile Dealers Association says it seeks to be diverse and have gender balance among its members.
But while it seems to be able recognize the organization’s problem, seizing opportunity & need to act is the challenge.
Now claims new awareness of imbalance & inequity is an “awakening” by doing “something” about racial & gender imbalance.
But still there are only 3 women yet 32 men on NADA Staff & Executive Committee. One black & one Latina.
Does one need to own a car anymore?
The whole idea and need for people to buy and own a car is under consumer consideration
Even the economic and logistical aspects of auto management are under change/
Question is will the dealer business model be able to transitions to total vehicle management in next few years.
Men still seem to be uncertain & sometimes unaware of how women are doing with or in their organization, family, church, club and neighborhood.
There seems to be a new book or business pub article telling men what they should or can be doing to support and learn from women.
These 7 lessons from two authors of repute and credibility might be a timely & instructional list of action-able even on Zoom during COVID 19.
An AI Robot might be able to do your job but you can be in control.
The Work Robot will still be controlled by skilled humanoids who trained the learned robots.
Combined impact of COVID 19, Robotics, knowledge workers at home, & telepresence to change how work is done,
Telepresence will enable service sectors jobs to be transitioned to trained AI Robots using new technology
Problems with auto loan practices, interest rates, & administration are increasing.
Predatory & abusive loan practices are reported to be increasing with the Pandemic and online buying.
Consumers buying cars are looking for & seem to need more protection from the scams and bad practices.
Such complaints are common in America’s current vehicle finance marketplace.
Regulators & Policy makers must step up enforcement of consumer protection laws.
The increased use of on-line vehicle sales offered with online auto financing make problem worse.
Plastic lids on coffee cups produce 20,00 tons of Waste every year;
Recycling volume & cost bring on new kind of lid With compostable cup
What to do with these plastic lids causes coffee industry to search for new compostable Cup-Lid Design.
Dealing with 4M plastic lids from coffee cups are waste management problem.
Innovative company comes up with paper coffee cup that has built in lid. Industry is considering.
Getting on the Right Marker– at least three so far.
Horse Racing Industry is in desperate need to effectively predict horse injury.
Studies to learn why young horses are continuing to break down at every track are underway.
Respected scientists & track vets are doing studies to find answers. So far results are partial but promising
Two studies seek to identify race horses at risk with early warning signs of fatal injury.
Test involve Inflammatory RNA Marker Protein that may enable the prediction of breakdowns. Promising but not yet there.
We have got to know the surface conditions and traffic volume on city streets.
There is an obvious if not overwhelming need to monitor street & road condition and maintenance needs
Ultimately, good road surface can increase traffic flow in cities.
Road evaluation & Process can provide technology & process now available.
Surface DNA from Tactile Mobility looks for characteristics of a road or street.
Such as roadway grades, banking, curvature, & mapping of hazards (potholes)
From this data and analysis cities can begin to solve the present traffic congestion & loss of productivity
What Color is Your Hydrogen Fuel?
Green hydrogen advocates say is a clean strategic fuel for everyone.
Produced from zero-carbon energy resources.
Just as fuels from solar, wind, hydro power, biomass, biogas or municipal waste.
Not all are believers. Some challenge Hydro Power is worse than fossil fuel because of water storage.
Vast majority of industrial hydrogen is currently produced from natural gas.
Producing hydrogen also referred to as brown or grey or even blue hydrogen.
Mankind has not conquered fire. And California remains on fire.
Fire fighters are seemingly helpless and can only hope to contain the burn.
Even though there are no magic solutions or means to quell the fires, prevention becomes foremost
The erudite Independent Institute has developed a list 26 action-ables to prevent a repeat of this year’s fires.
It does appear the state and local fire & forestry management departments are acting on the list. Now to plant trees.
Investors Not Yet Blowing in the Wind. But the Sun maybe about to shine.
Clean Energy Investors using Special Purpose Acquisition Channel (SPACs) to consider going public.
Renewables seeking to transition Renewables into Wind and Solar using investor money.
The failure of renewables companies in 2013-2015 is making transition investment hard in 2020.
SPACs about to come to the rescue.
Enzyme Eats Plastic Bottles. Researchers have re-engineered plastic-eating super enzyme to degrade bottles.
Could result in break down of millions of plastic bottles in a matter of hours over a few days.
Degrading enzyme process might be ready to start eating your plastic trash as soon as next year.
Super-enzyme, derived from bacteria naturally evolved the ability to eat plastic.
Thus could enable the full recycling of the bottles & other plastics in the near future