Why do so many people stick with the same car insurance that they’ve had for years and years? One word: inertia. Simply put, people feel that if the insurance policy isn’t causing them problems, there is simply no reason to switch to another insurance provider. They are far too busy handling the ups and downs of everyday life to hunt for the best deal, so they skip it entirely. There’s a whole new generation of auto coverage that is worth looking into: telemetrics-based coverage.
Risk Management, Your Policy, and Why The Current System is Broken
The way most people get car insurance is straightforward: they go and pick up quotes from multiple insurance providers. However, those quotes treat them identically to other people of relatively the same age, location, occupation, and credit score. If you’re a good driver and have the best cb radio, you deserve to be recognized for how safe you are. The traditional model just doesn’t do that.
Telemetrics adds true risk management to the mix, adjusting the model based on how you actually drive. The box can be installed in less than an hour, and it will not interfere with how you drive. You can think of it as a mini-camcorder, capturing a wide variety of different data points. For example, the device will track how hard you brake, as well as how fast you drive. Do you take turns sharply, or do you take them slowly to adjust for the possibility of a wayward car coming into your path?
This new generation of insurance benefits the very young the most, but today’s senior citizens would be affected greatly as well. Measuring how we actually drive will eventually become the gold standard in insurance, but only time will tell what ultimately happens. In the meantime, it is a great chance for you to get a quote for telemetrics-based vehicle coverage today.
Four Educational Paths to Get Into a Life Sciences Consulting Job
A life sciences consulting career could be a professionally and personally rewarding endeavor. These jobs provide opportunities to help keep the public safe through activities such as auditing clinical trials, checking the toxicology of products and ensuring the safety of medications and devices. If you are considering becoming one of these regulatory experts, you could take one of these four promising career paths.
1. Health Sciences Degree
Some universities offer a health sciences degree. This type of a degree provides you with an education in the aspects of science that are related to human health. You could learn about the chemistry of the blood, how medications are absorbed and transformed by the body and how different organs in the body work. A health sciences degree would also include some hands-on experience in a clinical or laboratory setting. This could prepare you for a career in auditing and management of clinical trials.
1. Bachelor’s Degree in the Biological Sciences
A degree in the biological sciences would also prepare you to work in the field of quality assurance for consulting firms. In a course of study for the biological sciences, you would receive a broad education with a foundation in calculus, statistics, inorganic and organic chemistry and physics. Your education would go in-depth in different aspects of biology, such as neurology, physiology, human anatomy, biochemistry, immunology and genetics. This type of a degree would help you to work in quality assurance as a consultant or an inspector in facilities or with clinical trials.
3. Master’s Degree or Higher in Environmental Science and Toxicology
A background in environmental science and toxicology would be an ideal way to get your foot in the door for consulting in the life sciences. In environmental science, you would gain knowledge about how human health is affected by the environment, such as exposure to pollutants in the air, soil and water. You would go in-depth about toxicological issues such as medication side effects and overdoses. You would also learn about how different medications can accumulate in different organ systems in the body.
4. Doctorate Degree in Pharmacological Sciences
Consulting firms also appreciate the knowledge of people who have a doctorate degree in pharmacy or pharmacological sciences. These regulatory experts could help companies to navigate the complex world of how medications work in the body and what is required by the government when it comes to safety, drug efficacy and drug interactions. Licensed pharmacists may be asked to work on a clinical trial in order to monitor interactions with a patient’s existing medications and a new drug in order to make sure that there are no unforeseen problems.
I’m Jose and today I just want to show you a little EmComm Pack that I put together. I’d met up with Akins last year at the LIMARC HamFest in Long Island and that got me interested into doing something portable and specific. I was looking for something small enough that I could put in the car in the trunk and not worry about… too much about the gear getting damaged or wet or… whatnot. So what we got here is a best emergency radio… I’m using a Nanuk, I think that’s how you pronounce it anyways Nanuk case 905
It’s about 12 inches long by about ten-inches by 6 inches. So it’s a pretty little case I like the orange color, you can’t miss it when you throw in the trunk or anywhere else so let’s open it up and see what we got there. We got some velcro here on the back where you can just put in your call sign or whatever and this is also where would put in the antenna the antenna mount as we open it the whole pack includes everything but the charger right now I have found a little UPG charger for sealed lead acid batteries know it has to LED’s that I’ll tell you if it’s charging or if it’s charged and that’s the thing I use to charge it at home another option that I use if I’m outside it’s a little X-Grade solar panel, it has the uh charge controller already for 12 volts so the way you open it up this is the sole panel, it puts nine watts, it helps you keep the battery you know, topped off or tendered, however, you wanna call it so, if you outside just plug it in and it will keep your battery running, while you’re not transmitting obviously, so just to keep it topped off. Inside of the package we got a dual band telescopic antenna this one in specific is an AL-800 VHF UHF I had another one which broke ’cause it was um… very flimsy. the tip broke so never mind that one. So we got the antenna, got the user manual this is the antenna mount that’s gonna attached to the velcro in the back of the uh of the lid so basically we just put it in here attach it and as we open it will stay up there. Um, we got the JetStream JT270M, little 10-watt dual band radio. This is a little accessory amp meter, in line amp meter and I only use it for testing purposes cause I know how much it draws.
We got the microphone, let’s plug it in the front of the radio really quick, and the microphone kinda stands on the handle on the side. We got the programming cable if needed. We have a little coax patch cable we’re gonna put right on the antenna mount and that one is gonna come out to the Antenna feed point over here. so when don’t have to go back into the radio? And that’s about it. Throw that in there… We have some other accessories as well…
If you wanted to use an NMO mount, I have one. Also, a little patch cable to connect LEDs that I have over here for night operation, and that’ll get stuck in there. This is a 7 Am sealed lead acid battery that I got from a Quick Silver Radio and also from Quick Silver Radio, I got these Bat-Mon topper things… They just attach the battery, gives you the voltage and it has two outputs one fused, and one unfused so, I do have them marked.
Basically, we just plug it in and… there it goes. Turn it on, radio is on, and on the back, over here we have a cigarette lighter that help out to charge. Everything is connected to it, and two USB ports if you want to charge your devices so……KA2GZ listening…And that’s about it. It’s a 10W radio, it puts about 2Am just about two amps on high-power which is 10 wants 1.1A on low-power 5 wants and I think is a about 0.3 Amps on standby something like that, so that one with this battery I should be able to get, on high power I should be able to get two hours of continuous so realistically we’re looking for four hours of normal use time and obviously that’s not counting if you’ll have a solar charger, you know, connected to it and whatnot so, that’s it.
KD2HHU testing… and that’s the tour of the cb radio reviews, nice little radio 10 wants… and that’s what we’ve been working on right now the lights, the LED lights are a little too bright… very bright so I might just take out these 3 over here and just keep the two on the top ’cause… it was very very bright.
Car insurance companies across the United States have begun testing a new type of insurance policy that only charges customers for the actual number of miles they drive during a certain period of time. All the driver has to do is install a small tracking device under the steering wheel so that the insurance company can monitor the mileage. Once the policy is in place, the insurance company only bills the customer for the miles that are reported through the tracking device. Customers who use this system have an unprecedented amount of control over their insurance costs. If they want to pay less, they simply drive fewer miles.
Driving Less Reduces Accident Risk
Recent research conducted by the Massachusetts Institute of Technology shows that driving fewer miles reduces the risk of being involved in a car accident. If Pay as you Drive customers make an effort to reduce their mileage, they will also be reducing their accident potential. The result could be good for the insurance company because there will be fewer claims, while it would also benefit the customer through lower insurance premiums.
Good for the Environment and the Pocketbook
Researchers believe that Pay as you Drive customers will monitor their driving more carefully so that they can pay as little as possible for car insurance. People might begin to consolidate trips and find alternative transportation so that they are in their cars less often. If a large group of drivers cut back on their mileage by a substantial amount it could have a direct impact on emissions levels. More efficient driving habits can also save gasoline, which would help conserve fossil fuels. Drivers will save money on their fuel budget while they are already saving money on their car insurance.
Device Tracks More than Mileage
Some consumer advocate groups worry that the devices are too invasive. The steering wheel tracking device is meant to log mileage, but it also tracks the way the car is driven. The insurance company can monitor your speed, how quickly you brake, and how quickly you accelerate. While parents might find this a useful way to make sure their teenagers are driving safely, they might not like the fact that the insurance company is keeping tabs on how safely the car is driven at all times. It is possible to see car insurance premiums actually increase instead of decrease if the car is regularly driven in a risky manner.
You may have heard the words premium and deductible tossed around. But how do you choose the best coverage? How well do you understand the different parts of auto insurance policies?
Well, let me help you out.
First, you need to know that of all the states, 47 will require that you have some form of auto insurance.
Here’s a quick rundown of the terms you’ll likely encounter.
Policy – this is what you buy when you purchase the car insurance
Liability – this pays for accidental bodily injury and property damages to others
Collision – pays for the damage to the vehicle caused by collision with another object
Comprehensive – pays for loss or damage to insured vehicle that didn’t happen in an auto accident
Medical Coverage – covers medical expenses when caused by auto accident, regardless of fault
PIP – Personal Injury Protection. Pays medical expenses for the insured driver for treatment due to a car accident, regardless of fault.
Uninsured Motorist – pays your car’s damages when the accident is caused by a driver with no liability insurance
Underinsured Motorist – same as uninsured motorist, only with insufficient liability insurance
Rental Reimbursement – pays for rental car damage due to an auto accident
Now, before signing up for anything, you also need to know about:
State Laws – 47 states require liability insurance. 15 states require PIP on top of that.
The Kind of Car You Drive – Do you use rentals a lot? You might want to get rental reimbursement. Is it a brand new car? You may want to get extended warranty for parts and labour. Are you leasing? You may want to think about gap insurance.
How Much to Spend – know your assets and what you can afford. You may want to get the whole shebang, but if you cannot pay your premiums, then it’s eventually useless to you.
Other Insurance Exists – health insurance and homeowners insurance may pay for damages from auto accidents. Knowing what other insurance policies you have and what they cover may save you some cash.
There are a lot of things to consider before committing to an insurance policy. Educate yourself to make the best choice.