09 JunAuto insurance quotes – investigate and question them

With Alice back in Wonderland thanks to Tim Burton, we continue this series of articles on how to earn discounts when insuring your vehicle. This time, the trip down the rabbit hole (or through the looking glass as you prefer), deals with the practicality of your use of private transport. Remember the insurance companies want as little risk as possible so they prefer you to have the vehicle parked on your front yard where you admire it from a distance and, when it gets dusty, wash and polish it. In short, the less you drive, the more you save. So lets see how it works. There are three times during the day when accidents are more likely. These are the two main periods for commuting to and from work, and the late night and early morning when driving is often associated with alcohol and other “substances”. The statistics show the more vehicles there are on the road around you, the greater the chance one will collide with another. At peak times for commuters, the roads are suddenly full and the risks of accidents are high. Now change the weather from sunshine and gentle breezes to the first ice and snow of the winter. The majority of drivers have forgotten the risks, made no advance preparations and find themselves on a skating rink without any way of stopping in a hurry. The accident rate goes sky high until people relearn their winter driving skills. At night, its the reverse problem. From 11 p.m. through to the early hours, there are fewer vehicles on the road, but the majority of drivers may be less alert. At best, this is simple tiredness. At worst, its substance abuse and you are in the way.

So, if you agree not to drive at the most dangerous times, you get a discount. For the same reason, agreeing to restrict your mileage also earns a discount. If you only drive a few miles every now and again, the chances of you being involved in an accident are small. The lower the mileage you accept, the better the discount. For the same reasoning, where you drive affects the premium. Although the practice is outlawed in some states, your zip code sets the tone for the premium rate. Some areas of the cities and larger towns are statistically more accident-prone. Equally, if you live in a wilderness area or in a remote part of the prairies, you can go miles without ever seeing another vehicle. Collisions are therefore rare, although some trees are known to throw caution to the wind when crossing the road. Be honest with yourself. Do you have to use the vehicle? Yes, it may be slightly inconvenient to use public transport but, if you are saving money on your insurance, you can be safer and better off financially.

In an earlier article, we mentioned the problem of fraud. The biggest discounts are given to those prepared to prove their honesty. Check the auto insurance quotes for those companies offering monitoring, whether face-to-face or through technology. Some companies ask you to call in once a month to prove your mileage is within limits. Others have devices to fit into your vehicles that monitor when, where and how you drive. This information is then routinely transmitted to the insurer. Sure Big Brother is watching but, if this saves you big dollars, its worth searching through the auto insurance quotes to find these offers.

24 MayTECHNOLOGY – An Essay

TECHNOLOGY

An Essay

By

VIKRAM KARVE

DEFINITION OF TECHNOLOGY

In our everyday lives, most of us use a number of words that we assume have a universal, agreed-upon, and accepted meaning for all people in all contexts.

Often, the more frequently the word is used, the more we take for granted that our usage is the only possible usage of the term.

One such popular word freely bandied about and very much in-vogue jargon now-a-days is technology.

Let us explore the meaning of the word “technology”.

The word “technology” comprises two parts – “technikos” & “ology”

The historical derivation of the term technology comes from the Greek word technikos, meaning “of art, skillful, practical.”

The portion of the word ology indicates“knowledge of” or a “systematic treatment of.”

Thus, the literal verbatim derivation of the term technology is literally “knowledge of the skilful and practical.”

However, this definition is too general in nature and we have to transcend this narrow view of technology since every technology starts from a human purpose, from the intention to satisfy some human need or behaviour.

Indeed, technology is the manipulation of nature for human purpose – yes, manipulation of nature, so let us use a slightly different definition of technology.

We will define technology as the knowledge of the manipulation of nature for human purposes.

This definition retains the notions of both knowledge and practicality (human purposes) but adds the new concept of manipulation of nature.

This implies that all practical or technical skills ultimately derive from alterations or manipulation of nature.

Technology depends on a base in the natural world (Science) but extends the natural world through the phenomenon of manipulation (Engineering).

Since we want to manipulate nature, the ability to predict what nature will do when manipulated is most useful, indeed imperative.

ETHICS OF TECHNOLOGY

By our very definition, technology manipulates nature for human purposes.

Technology manipulates nature.

Man is a part of nature.

By manipulating nature, man manipulates himself.

Thus, technology manipulates man, influences, even governs human behaviour, and in turn impinges on societal behaviour, traditions and culture.

Technology is an entity that intervenes in the life of human beings in multifarious ways, directly or indirectly, trying to alter behaviours.

Thus, Technology has an Ethical Dimension.

The very raison d’etre of technology is human purpose.

What is the fundamental purpose of human life?

Is it to increase standard of living?

Is it to improve quality of life?

Or is it to have greater satisfaction in life?

We can distill all these various aspects into a single holistic concept: VALUE OF HUMAN LIFE.

Thus, the cardinal aim of technology is to enhance the value of human life.

TECHNOLOGY and the VALUE OF HUMAN LIFE

Let us define the value of human life as the balance or ratio between satisfaction or happiness and pain or suffering.

In the context of this definition, the ultimate purpose of technology is to enhance the value of human life, with a long-term perspective, by maximization of happiness and satisfaction and a concomitant reduction or minimization of pain and suffering (physical, mental and emotional).

As a generalization, people want a better life.

A better life may usually mean things like freedom from want, access to and possession of at least some of the “nonessentials”, comforts or luxuries, good health, a reasonable life expectancy, the absence of emotional stress, satisfying human relations (resulting from gratifying work experience and meaningful interpersonal relationships), intellectual stimulation, and personally rewarding leisure activities.

HUMAN NEEDS and VALUES

Human needs and values change through time as technology advances.

Man tends to accept the fruits of new technology more readily (satisfaction, happiness, comfort) whereas he is reluctant to accept changes in his personal life.

Thus, social and cultural changes always lag behind technology causing a mismatch and disconnect which consequently leads to unhappiness, dissatisfaction, pain and suffering (emotional) and concomitant lowering of the value of human life.

A crude but practical way of classifying human values is to divide needs into those that are essentially physiological and those that are psychological.

Most new technologies cater to the physiological aspect by performing Dangerous, Dirty, or Difficult jobs (the 3 D’s) thereby enhancing the value of human life.

As regards the psychological aspect, an example pertaining to Information Technology (IT) may be in order.

Information Technology (IT) caters to two unique categories of psychological needs of humans:

Cognitive Needs – which refer to the human need for information so as to be ready to act or make decisions that may be required, and

Affective Needs – which refer to the emotional requirements of human, such as their need to do challenging work, to know their work has value, to feel personally secure, and to be in control.

Undue emphasis on cognitive needs and consequent neglect of affective needs may cause emotional pain that counterbalances the gains from technology and this may be detrimental to the “value of human life” as a whole.

TECHNOLOGY IMPACT ASSESSMENT

Effects and Consequences of Technology

In our haste to milk technology for immediate economic advantage, we often lose sight of the long-term consequences: the higher order and indirect effects, especially the delayed and unintended effects of technology.

The Sorenson multiple effect network methodology is a useful technique for an analyzing the impact and consequences of technology.

Let us introduce the term malefit to represent harmful effects and consequences of a technology in contrast with benefit as a useful output.

We may categorize the consequences of a technology [Effects vs Consequences] as:

EFFECTS CONSEQUENCES

(i)         First Order                  :           Benefits

(ii)        Second Order              :           Direct Malefits

(iii)       Third Order                 :           Indirect Malefits

(iv)       Fourth Order               :           Unintended Malefits

(v)        Fifth Order                  :           Delayed Malefits

Such analyses definitely help in assessing the impact of various consequences of a technology on the value of human life in the long-term perspective in holistic manner.

Early identification of factors detrimental to the value of human life may prove useful in technology impact assessment to reduce mismatches and smoothen out incongruities.

CONCLUSION

We must not lose sight of our basic premise that the cardinal aim of technology is to increase the value of human life by maximising happiness and minimising suffering.

Ethical technology Management comprises a harmonious blend of rational thinking and empathic understanding wherein one studies, analyses and mitigates the conflicting interplay between human cognitive and affective processes.

It may be apt to conclude with a comment by RM Pirsig, who states that, “The way to solve the conflict between human values and technological needs is not to run away from technology. That is impossible. The way to resolve the conflict is to break down the barriers of dualistic thought that prevent a real understanding of what technology is… not an exploitation of nature, but a fusion of nature and the human spirit into a new kind of creation that transcends both”.

VIKRAM KARVE

Copyright © Vikram Karve 2009

Vikram Karve has asserted his right under the Copyright, Designs and Patents Act 1988 to be identified as the author of this work.

http://vikramkarve.sulekha.com

http://www.linkedin.com/in/karve

11 AprMessage In a Bottle – Personalized Gift For Her

Gift giving is an activity that makes both the giver and the recipient happy. The person giving the gift gets to enjoy the shopping and planning experience and the recipient enjoys the gift of course. With advances in technology and printing, the nature of giving gifts has also changed. Where earlier people bought each other practical gifts for the home or office, gifts have now become a way to express your emotions and feelings. Practicality may be appreciated, but innovation is lauded.

Personalized gifts are gifts that have been personalized for the recipient. They require some input from the customer before they can be packaged and sold. Unlike retail gifts that are manufactured by the hundreds, the charm in personalized gifts is the fact that they are one of a kind. In addition, personalized gifts flatter the recipient because they use the recipient’s name or initials or a photograph.

Personalized gifts are highly valued for the caring they depict. Most individuals feel flattered when they see a gift that has their name or initials engraved on it or their photograph printed on it. Additionally, personalized gifts show that the giver has obviously gone through some effort to buy the gift. Unlike retail gifts that can be purchased, stored and used as and when needed, personalized gift for her by their very nature demand that the giver know the recipient intimately or make an effort to find out the required information.

That’s the beauty of it. Personalized gifts vary just like other gifts and can be as cheap as .00 or as expensive as 0.00. Message in a Bottle, as a personalized gift for her can suit pretty much any budget.

Yes, you can. However, the level of personalization differs depending on your relationship with the recipient.

For very intimate relationships like your immediate family, you can choose Message in a Bottle as a personalized gift. With close family there really is little that you need to worry about. The same is true for your spouse. Engraving tongue-in-cheek messages on the gifts or using an embarrassing photo is acceptable too.

The trick with personalized gift for her lies in the message or photograph you choose to personalize the gift with. When you choose the personalization message you must keep in mind the personality of the recipient. In the end, it’s all about letting your personalized gift for her express your feelings.

09 JanChristmas Top 10 at Find-me-a-gift

To stop you from trawling the streets looking out for the best presents around and huffing and puffing in the chilly winter air, let Find-Me-A-Gift assist you with our wonderful gift predictions! Christmas is our thing at Find-Me-A-Gift and we know a top selling Christmas Gift when we see one! Christmas Gifts have to have that extra WOW factor, a dash of pizzazz and a flash of originality. With so many Christmas Gifts failing to reach these crucial criteria, we’ve compiled the essential list of our 10 Top Christmas Gifts to aid you through the shopping season!

Clicking in at Number 10, it’s the ultra-sleek, ultra-modern Digital Photo Album Key Ring! Why just make Christmas and New Years memories when you can record them and remember them forever! Whether you’re a dab hand with the camera or just a snap-happy character, you’ll have heaps of fun flicking between photos and showing all your friends the jolly old time you had! Become St. Click this Christmas with the fabulous one of a kind Digital Photo Album Key Ring!

http://www.find-me-a-gift.co.uk/digital-photo-album-key-ring.html

Whizzing in at number 9, blink and you’ll miss them – the incredibly wicked Racing Grannies! You may have heard of these fast-paced racers before, and if you haven’t, you’re bound to this Christmas! Perfect for speeding down the dinner table, the wonderful wind-up Racing Grannies are bound to have the whole family in festive fits of laughter – even your own Granny!

http://www.find-me-a-gift.co.uk/racing-grannies.html

Who said practicality and humour didn’t go together? In at number 8, it’s the awesome Arse/Face Towel! If clammy claustrophobic shopping centres and chilly cold air have wreaked havoc with the sensitive skin on your face (and derriere!), then purchase the Arse/Face towel to rectify the situation! Hang it over the bath and get your guests giggling!

http://www.find-me-a-gift.co.uk/arse-face-towel.html

Christmas carols and generally bad festive music getting on your last nerve? Number 7 on the Find-Me-A-Gift Top Gifts Christmas List lets you unleash your own beats – Finger Beats! The Finger Beats Bongo Drums and Alien Choir sets are the wildest, most annoying yet addictive sounds this season! Ideal for getting in the party mood and giving your fingers some tapping relief after all that present opening!

http://www.find-me-a-gift.co.uk/finger-beats-alien-choir-sound-system.html

http://www.find-me-a-gift.co.uk/finger-beats-bongo-drum-kit.html

Highly deserving of its place at Number 6, it’s the breathtaking and inspiring Laser Stars Cosmos Projector! This spectacular Space-Age wonder is tipped to be a sell-out at Christmas and will be creating constellations on ceilings across the country! Projecting realistic stars, clouds and a generally spacey atmosphere, Laser Stars is the perfect accompaniment to a Silent Night!

http://www.find-me-a-gift.co.uk/laser-cosmos-laser-stars-projector.html

Number 5 sure will come in handy on those rainy winter days. Did you know that Brits are treated to a whopping 125 days of rain per year? With that figure in mind, you may want to set your sights on the inspiring Starlight Umbrella! Shimmer and sparkle under the dark skies and turn the gloom upside down with this beautifully twinkly essential item!

http://www.find-me-a-gift.co.uk/gift-ideas-for-women/womens-gifts/twilight-umbrella-light-up-led.html

If your eyes are squinting from all the Christmas displays, twinkling trees and moonlit winter glare, you sound in good need of our Number 4 product! The Eyezone Massager promises not to sing jingle bells or light up twenty different colours. Simply lie back, turn the Eyezone Massager on and be instantly relieved by its soothing vibrating actions! Christmas stress? Bah! Humbug.

http://www.find-me-a-gift.co.uk/gifts-for-men/personal-gift/eyezone-massager.html

Had enough of lame excuses on why you didn’t receive your present and card? As soon as the lie comes out of their mouth, you’ll wish you had the amazing Bullshit Button in your hands! It doesn’t earn its place at Number 3 for nothing! The Bullshit Button will blurt out a whole host of hilarious truthful phrases at those crucial cringing moments! Show them you’re no push-over and get some jingle-balls this year!

http://www.find-me-a-gift.co.uk/bullshit-button.html

A Number 2 product on the Find-Me-A-Gift Christmas Hot List surely has to have some star-quality! Living up to its name, Name a Star is the most caring, thoughtful and dazzling Christmas Gift you’ll ever give! Seeing as you can’t bundle up the stratosphere and chuck it out with the rubbish, we reckon this gift is perhaps the most everlasting amount of incredibleness on offer!

http://www.find-me-a-gift.co.uk/gifts-for-men/personal-gift/name-a-star.html

And now, for the moment you’ve all been waiting for! The Christmas Gift that’s made its way to the Find-Me-A-Gift hot spot Number 1 of 2007 is… the ever-popular and hugely unique Become a Lord and Lady Title! Aye, it’s not often you can give the gift to deem your Dad, Sister or Aunt a Lord or Lady of Scotland! What’s more – the Become a Lord and Lady Title lasts forever so your gift will be remembered throughout life! Now, if that’s not value for money, we don’t know what is!

http://www.find-me-a-gift.co.uk/gifts-for-men/unusual-gadgets/laird-lord-and-lady-of-the-glen.html

So there you have it. We hope it was worth the wait and your mince pies haven’t gone cold. We don’t do things by halves at Find-Me-A-Gift, so when we predict a hot Top Ten Christmas List, you can bet your wishbone that we’ll be spot on! Whether you’re after stocking fillers, children’s gifts, men’s gift’s, pet’s gifts or Secret Santa’s, there’s only one grotto with a motto for quality and entertainment – Find-Me-A-Gift.

http://www.find-me-a-gift.co.uk

For more information on any of the wonderful Christmas Gifts featured in our Top Ten or any general queries you may have, please contact Sarah on 01926 691010