Pay For What You Did- Not What Underwriters Predicted You Might Do. Vehicle Insurance Rates to Be Based on Driver Behavior From Machine Learning Apps

Vehicle Insurance rate setting now based on how you drive & behave.
Driving behavior data is being gathered directly from insured vehicles.
Age & credit scores no longer used to determine underwriting premiums
Data gathering from autonomous vehicles sensor data used to evaluate risk.
Insurers offer discount if can use & provide telematics gathered driving data.
Enables use of telematics, AI, & Machine Learning in claims processing.

Cities Developing One Public Safety Organization as Whole New Way to Combine Police, Fire, Crime Prevention, Emergency, & All City Services

Cities creating Public Safety Departments to combine all City Services.
Communities need & want protection, prevention, public safety, & policing.
There are efforts in some states & cities to defund & reduce police departments.
Meantime several cities have created combined public safety departments as solution.
Consolidating police, fire, & emergency medical services into one department–Not defunding Police. 
Getting to the root of law and order by going after the cause of crime & rioting.

“Don’t Come”; Root Causes of Influx of Migrants from Central America is U.S. Support Producing Economic Inequality & Ruling Elite, Not Workable Solutions

Need to understand & respond to the reasons why people from 3 countries come to Border.
U.S. has actually contributed to problems & empowered of corruption in Northern Triangle.
The 3 countries in The Northern Triangle are El Salvador, Honduras, & Guatemala.
U.S. has trained right wing death squads, financed coups, & exploitive investments.
This Fostered corruption seems to be principal cause of people migrating to the North.
People need humanitarian aid by all countries & governmental change.

Keeping News Local. One Half of Daily Newspapers Owned by Hedge Funds Who Slash Staffs & Costs, Big Chains Buying Other Chains, Financed by Debt

Local News is a being bought and even buried by Hedge Funds
The Hedge funds buy local newspapers then cut costs & staff to enhance profit.
Advertising & subscriptions have been dismantled as revenue sources.
Print newspapers failed to adapt to new publishing model.
Need to block newspaper buys & mergers that are anti-trust.
Proposed Local Journalism Sustainability Act proposes tax credits could solve.

Workers Getting To Be Owners: Alive & Thriving ESOPs In Philadelphia Deal With Need to Reduce Racial Wealth Gap & Launch Employee Enterprises.

Owning part of the company. Closing the racial wealth gap.
A solution seems to be embedded in an Employee Stock Ownership Plans or an ESOPs.
Need for sweeping initiatives for employee ownership to be adopted nationally. 
There is a stark racial wealth gap in the U.S. Philadelphia is example.
City is working to reduce the racial wealth gap..
ESOP is a tax-qualified retirement plan that invests in employer’s stock.
ESOPs companies enable Employee owners to gain liquidity.

Climate Change Creating Need for Reef Restoration Technology In Caribbean & Hawaii; Ocean Acidification & Hurricanes Have Damaged & Left Reefs Dead.

Coral reefs are dying in many global oceans.
Project Underway to create reef restoration technology & recolonization.
Project Underway to create reef restoration technology.
Seeking to restore dead reef off the coast of Caribbean nation Antigua & Barbuda
Effects of climate change have led to coral bleaching & dead reefs.

Cities Adopting Public Safety Transformation; Police Budgets Being Redirected to Public Safety & City Services; No Defunding Rather Re- Bundling.

Rather than Defund Police, cities are merging Police & Public Safety Depts.
Majority of Americans support sweeping reforms to law enforcement & its function.
An integrated department would merge administrative, upper management, & support functions;
Would maintain the traditional distinct job functions of police officer, firefighter, or paramedic, healthcare, & support services.
Public Safety with functions, priorities, & civic objectives to be coordinated & integrated new department of Public Safety.
Part of major city services; Fire, police, emergency medical services.
Every service would be to protect, prevent, & support the community & all its traditional services.

Mind the Gap; Rich are Getting Richer: Rest of Population Getting Less of Economic Growth & Wealth, Creating Gap; Universal Basic Capitalism as Fix

The Gap is widening.
income & net worth gap between Investment & Working Class is increasing;
So need for Working Capitalist model like ESOPS  & Universal Basic Capital System.
Universal basic capital is the best hope of closing the income inequality gap.
But addressing the current shortfall in retirement savings requires a plan.
There is a necessity to expand access to retirement savings plans universally.
So that all workers can begin to quickly and easily save for their future.
Economy would seek to widely spread ownership of wealth-generating assets.
Diminish growing gap between those who possess capital & those who provide wage labor.

Not Solid Yet; Solid State Batteries Have 50% Greater Energy Density, More Range. Lower Cost, Lighter, & Faster Charge Time But Battery Packs For Cars Are Far From Ready Even With Big Promise

Things are not solid yet with solid state batteries for EVs.
Solid-state batteries promise to offer greater energy density compared to lithium batteries.
Not yet being used in the production of mass-market cars ’til at least 2023;
Companies are mostly working on the technology of solid state batteries at the cell level.
And the batteries are expected to be significantly higher priced than lithium-ion.
Ford & BMW led a $130M Series B investment round in solid-state battery startup. So this is the future.

A Simpler Way Of Food Sourcing: Go Local Path; Small Scale Local Food Production Enables Large Reductions in Resources Using Low Tech Supply Chain

Grow Food Locally:
Actual economies & advantages to raising food & crops at a local level.
Small-scale integrated localized settlements & economies enable enormous reductions in food costs.
Large savings with production in small scale, highly self-sufficient & cooperative local economies.
Study uses input–output analysis of one product, eggs. to make a local production even more viable.
Illustrates how big the difference & scale between two paths of food production can be.
Involves rarely recognized “diseconomies of scale” in assessing the impact of food sourcing.

Time to Really Do Something About Barriers of Success for Women of Color: Find Ways To Deal With Double Jeopardy & The Concrete Ceiling of Racism & Lack of Diversity. Wake Up.

Why not more diversity in the U.S. Work force.
Some say lack of diversity is due to there not being enough qualified talent.
Not hiring qualified women of color in technology is keeping women out [Period}
Microaggressions, unconscious bias, & lack of representation are examples.
Practice upholds and enable racism and discrimination in the workplace to go on.
Need to do something about barriers to career success standing in way of women of color.
See 5 actionable ways that leaders and management teams can begin to level the playing field for women of color:

Self-Optimizing Plants Becoming Reality As AI & SW Take Over; Leads to More Productivity, Less Cost, & Probably Fewer Workers; Retraining Now Paramount

Asset Performance Optimization tool suite for manufacturing sector now in use.
This Asset optimization software will lead to self-optimizing plants.New refineries, chemical plants, & processes designed & built from ground up.
Will use optimization tools devices such as sensors, monitors, industrial controllers, control valves.
OT Setup around the plant in order to sense, monitor and control the process.
Asset optimization software being used in capital intensive businesses including manufacturing;
Such as upstream oil and gas production, refining, chemicals, & big pharma.

People Don’t Really Know Much Til They Are At Least 40; Takes Time, Experience, Some Suffering, Failure, Living & Aging to Really Contribute & Know What

Getting Older is a challenge in the Work Force.
Prejudice against older coworkers persists; Age-ism attitudes remain.
Even among those who openly oppose racism and sexism.
Business growth & expansion means career advancement, not geriatricide.
Younger workers tend to be more empathetic when they realize many older workers can’t afford to retire.
No substitute for experience and time in work & life.

Turns Out We Are Not Getting More Done By Working All The Time. Here are 6 Habits or Practices That We Should Adopt Now; Daily Shots of Mental Focus.

The way we work and where has changed.
Pandemic has forced us in doors and in front of Keyboards.
The tendency has been to just keep working most of the time.
People have found it hard to focus on tasks & be productive during Pandemic.
What to do with, how, & when sometimes was & is disruptive & unproductive.
As people go back to the office & working at home, this is new approach to work.
Perhaps, there is a major change in way we work at home & how we now spend our time.
See Six ways to quickly adapt to the forthcoming Post Pandemic Period.

Microplastics Causing Horrifying Problem in the Ocean; Falling from the Sky: Literally Raining Plastic; Bottles, Clothing, Wipes Break Down & Blow As Particles.

Tons of microplastics are floating in the Ocean & in the air over the western United States.
Particles stay airborne for nearly a week–enough time to cross oceans & blow inland from & to the Ocean, particularly West Coast of U.S.
Plastics that are falling from the sky are smaller than 5 ml & from many sources.
Plastic bags & bottles thrown into waterways & break down into smaller pieces of tiny microfibers.
Particles fall off washed synthetic clothing; Then flushed into wastewater treatment plants.
Any remaining microfibers get flushed out to ocean along with the treated water.

Detecting & Tracking Greenhouse Gas Leaks or Emissions from Fossil Fuel Power Plants To Be Done by Satellites; Will Shake Up Methane Monitoring Technology.

$100 million Carbon Mapper project using satellites can detect & measure Greenhouse Gas leaks.
Satellites can also detect chemical signatures for excess salts or fungus on the ground.
And measures intensity of green chlorophyll & track fugitive methane emissions.
This potential to “shake up” the field of greenhouse gas monitoring & verification.
Means now capability to monitor leaks up to more than 80 times the warming power of CO2.

How Hawai‘i Squandered Its Food Security & Sovereignty—Now What it Will Take to Get It Back: Incentives, A Plan, & Home Grown Food; Things Have Changed.

Food security is foremost to the residents & citizens of Hawaii.
Hawai‘i imports more than 80% of its food. Some islands even more.
So each island needs to grow at least 50% of its staple crops to be self-sufficient.
To achieve that level of food security, experts say it will take old values & new tools & money. .
Farmers need more support from incentives, advocacy, state support to gain food sovereignty.
Replacing food imports with Hawaii-grown alternatives would strengthen island chain’s economy.

Study Shows DDT Dump Site off Catalina Bigger Than Thought; 27,000 Barrels or More Could Still be in Ocean After $316M Super Fund Suit Settlement; EPA Clean Up Sought

Apparently thousands of barrels of DDT are still on the Ocean floor after years of litigation.
Recent UC Santa Barbara Study & Senator Feinstein briefing re-surfaced problem.
Thousands of barrels of DDT dumped in 3,000 feet of Ocean may still be there.
Use of Two high tech robots scoped 36,000 acres of ocean floor show barrels of DDT.
Scripps NOAA mapping efforts contributed to the find & confirmed the extent of larger dump area.
EPA intends to implement capping project, placing clean sediment over the contaminated ocean floor to isolate it from bio-availability.

Ops for Cops; Make Policing About Public Safety; Reallocate Police Funding; Combine City Services Into One Unit: Police, Fire, Emergency, & All Agencies

Demands are being made to reform police departments
Every Community wants protection, prevention, public safety, and policing.
Efforts in some states & cities to defund & reduce police departments have failed.
Instead several cities have created public safety departments, combining all city services.

How Do You Get Your News? When Was Last Time You Read an Entire Article in a Newspaper? Local & National Newspapers in Peril; Need Integrated Content

No Time to really read a newspaper or even a magazine.
Print versions of newspapers & magazines are being read less & less.
Print format, content, layout & writing styles do not seem to have changed.
Many titles & local newspapers suffer from broad trend toward “fragmentation” of all media
Need a complete change to new multi-media, multi-platform, & content presentation that includes all forms & formats

Molokai County Agent Applies Law of Minimum to Determine Plant Nutrient Deficiencies; Presented Native Hawaiian Beginning Farmer Program at Cornell

This posting may seem to be remote, not necessarily applicable, & even obtuse.
But Glenn Teves’ recent Online presentation at Cornell shows what can be done with small farmers.
Shows science driving Beginning Farmer Program on Molokai which was triggered by the Law of the Minimum.
The core source is derived from Justus von Liebig’s Law of the Minimum
Growth is dictated not by total resources available, but by scarcest resource.
States that if essential plant nutrients is deficient, plant growth will be poor.

Do You Have What It Takes To Be a Successful Entrepreneur? See What Two Who Succeeded Advise–Sound Solutions & Counsel From Two Solid Sources

Many people seek to be entrepreneurs and manifest their visionary dreams
Few really succeed and really produce the wealth, results, & substantive industry impact
This was particularly the case in the 1980s when two Carnegie Mellon grads & instructors founded LeaseTek.
LeaseTek was one the first companies to successfully program and computerize leasing in banks & financial Institutions.
Mike Pochan & Robert Culbertson created software, technology, and financial processes still being utilized today. And they successfully sold their company.

Newspapers Are Dying; Civic Minded Billionaires Buying Newspapers Instead of Yachts. Hold on to Old Look, Format, & Contenting, But Add Digital Media

Your hometown newspaper in peril?
The scope, audience, and revenue streams for newspapers is under review.
More than a quarter of American newspapers disappeared in last few years.
The information wants to be free concept was a misguided strategy.
Civic minded, wealthy investors come to the rescue.
Newspapers lack robust content, standards, & social media connection,

Loggers & Tree Huggers Save Eastern Oregon Timber Industry, Town, & an Economy by Talking, Becoming Partners, Thinning Forests, & Drinking Together

Environmentalist want logging to stop and introduced legislation to do so;
Loggers and environmentalists battled then found common ground
Log company & tree huggers cooperated & saved the town of John Day, Oregon.
Timber industry survived because environmentalist fought to save their jobs.
Realized that some logging was absolutely essential to make overgrown forests healthy.
Eastern Oregon forests were prone to fires.
Loggers and environmentalists were at odds over what ought to be done

How to End the Amazon Strike & Anti-Trust Threat–Make Every Employee a Stockholder. Bezos Then an American Icon; Amazon Becomes an ESOP

Every employee at Amazon would have the option to be a stockholder.
Amazon would become an ESOP or some version thereof.
A move by Bezos to make Amazon an ESOP would change corporate America.
Amazon would become America largest Employee Stock Holder Company.
Stakeholder Capitalism Solves Labor Union Conflict & Employee Issues;
Amazon would share success with employees with a “stake” in the enterprise