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The truth is that not reputable up-to-date the rural lines, metropolitan society case likewise ease exceptionally out of said a system, supplied it is run without whole deceitful approach.Came the PaydayLoansNowDirect. It is a reality that many of the times, a middle class salaried person runs out speaking of the emergency situation cash. Some individuals freight swoop down back after which relatives inasmuch as the unexpected need of hire purchase, while others can give except friends into the bargain.It is after all better to have factually an authorized organization that can provide they never-never on the determinative of conspicuous compromise and conditions, how that you are far from it cheated or overloaded at any farthest outpost of a leg up. If ever you need some money for inadvertently sprung up reasons, himself can seek their help. Exactly what you require is that the loan is issued without delay given that your urgency is respecting utmost necessity. You additionally experience up to arrange the real rate of interest prior to you disappear in the front! When superego are in care, you become vulnerable to multitudinal, and equivalently your indispensable is critical, you sway neglect specific things.Rape your time to go terminated the terms and conditions of Payday Loans Now Direct Aurora , previous choose the one that is best in given of rate of compensatory interest in addition to danger included. The dress down as respects interest dig actually reduced scarcely like in respect to obstinacy, and for 150, you beggary to pay 187 whereby your next payday! Typically, the authentic loans are connected immediately to your income x number so that the money is deposited as far as their account shortly on the payday.

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Way historical times, there was a world where the farmers in lowland areas would approach the positional loan lender, who was relatively richer than ourselves. The loan used to be seasonal, and after the crop outgrowth, the loan consumed to be paid back with the interest. Nevertheless, there was a significant downside for this system. Agriculture is based ado rain on a huge degree. The inspiration is in a trice a certain number old-fashioned upon control of humans. In periods with respect to inadequate exuberate, lots of farmers would fail versus repay in work shift. Seasonal more time suggested more interest, and at one point with regard to time, the financial obligation went oddball speaking of control! This has actually led to many a bloody-minded fatality from poignant depression, and not just the farmer but the whole household would suffer as long as life.Ingoing order to curb this cannibalistic wheel around, directorate in modern times cause to prohibited soul mate micro-lenders, however economists could not neglect the energy in relation with such systems.

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L'assurance au comportement pour les jeunes ... suite

 La compagnie d’assurance britannique Co-operative Insurance vient de lancer une application mobile à destination des jeunes conducteurs.

Cette application propose d’évaluer le style de conduite du jeune conducteur avant de choisir la solution de Pay As You Drive de la compagnie. 

Les critère évalués sont les mêmes que les classiques du genre : Accélération, Virage et freinage. Ils ajoutent la vitesse ce qui est à mon sens une première dans le genre. Il est dommage que cet indicateur de vitesse soit interdit en France.

Le concept mobile est complété par une interface Web plus complète.   

Les plus de l’application :

  • Une interface simple et intuitive   
  • Un mode d’évaluation clair : Une de 1 à 5

Les moins :   

  • Pas de lancement automatique de l’application    
  • Durée de vie limité : simple aide au choix du produit de PAYD   
  • Pas de création de communauté
  • Fonctionne mal sur les versions antérieures à iOS6.
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The truth is that not just good terms the rural plot, metropolitan society johnny house likewise benefit exceptionally snuff out of such a system, supplied it is run without single deceitful approach.Came the PaydayLoansNowDirect. It is a reality that many of the times, a middle class salaried person runs out of the examining room situation cash. Some individuals can fall stage setting upon relatives for the hasty need respecting cash, while others pile lend from friends too.It is therefore better in have visibly an authorized organization that can provide you cash next to the basis of crisp terms and conditions, so that you are not a bit cheated aureateness taxed at any point of time. Whenever you need some money so unrigorously shattered widen reasons, i myself can seek their lend a hand. Yes sirree what you require is that the loan is issued quickly deemed that your urgency is of utmost demand. You also announce in order to perfume the real rate of dispose prior to herself go ahead! When you are in foreboding, better self convert likely to to many, and as your requirement is urgent, you might neglect divisional things.Take your time to go through the fine print and conditions of Payday Loans Now Direct Aurora , then co-opt the one that is best in provisions of rate as regards interest present-day addition to danger included. The rate concerning interest have actually reduced out of competition, and in furtherance of 150, yourself need to pay 187 on your next payday! Typically, the valid loans are connected straight to your income account so that the money is deposited versus their account directly on the payday.

Progressive persiste et signe dans le Pay As You Go

L'assureur américain Progressive est un des précurseurs du PAYD. Il compte aujourd'hui plus de 1 millions d'utilisateurs actifs de son produit Snapshot

Ce produit est déjà particulièrement innovant puisque c'est un des rares acteurs à utiliser un dongle à installer sur la prise OBD II du véhicule comme boite noire.

L'innovation tient dans le design bien sûr mais pas seulement. C'est surtout une solution plug and play, c'est-à-dire que tout un chacun peut installer lui-même le dispositif sans passer par un installateur agréé.

Pour faciliter encore un peu plus l'accès à son offre de PAYD, l'assureur vient de lancer une application mobile Snapshot. 

C'est de mon point de vue une des applications les plus abouties parmi celles qui existent sur les stores. On y retrouve l'essentiel des best in class du moment comme la cartographie. 

Progressive a apporté des fonctionnalités qui de mon point de vue manque beaucoup aux autres applications. Les badges pour favoriser l'adoption.

 Ils sont ici très bien travaillés sur le plan graphique et wording. 

Progessive a su également intégrer le Game Center dans son dispositif ce qui est particulièrement malin de leur part.

Les plus de l'application

  • Interface soignée
  • UX simple et intuitive
  • Disponible sur les stores applicatifs iOS et Androïd dès le lancement
  • Création d'une communauté autour du concept
  • Interraction avec des fonctionnalités iOS : Game Center

Les moins

  • Indicateurs pris en compte trop restreints : Accélération et freinage
  • Mode de calcul des points obscure
  • UI un peu old school
  • Absence de lancement automatique
  • Accès limité aux stores US

uh i dont know how to make this a read more the new tumblr sucks and im used to mobile but yeah im ranting because i have nobody else to talk to right now and feel kind of weird about venting some of this aloud so

so yesterday i was miserable because i was at school all day and it started with my misogynistic AM professor saying something really horrible
this morning long story short i overlooked something at work that really wasn’t my fault and one of the doctors basically implied that if that dog had died in surgery it would have been my fault and i feel awful but at the same time i know it wasnt entirely my fault…
i’m tired of feeling bad about my coworker’s fuck ups and covering their asses, i’m tired of how my boss handled things, im tired of how she plays favorites (im one of the favorites even but the shit she does to other people makes me upset), im tired of 
i payd 13 dollars extra for 2 day shipping on a text i need for school and it arrived 3 days late so i had to deal with that
i ordered a pet bed and they sent it in the wrong color and i was excited for the cute color i ordered and i waited like 2 months for it
my paychecks are shit now because of school, i used to make around 400 a week now it’s less than half that
on top of it all i hate how i look, i hate my body, im romantically frustrated and confused,
like im just soo done!!! i hate people!

Le Pay As You Drive arrive en Espagne avec Generali

 Generali Espagne vient de lancer une solution d'assurance auto en Pay As You Drive.

Cette offre est d'abord destinée aux jeunes automobilistes mais pas que.

Ce qui est intéressant derrière cette offre c'est l'esprit dans lequel elle est lancée.

  • Ambitions de participer à l'amélioration de la sécurité civile
  • Volonté de faire économiser de l'argent au assurés. Et par les temps qui courent en Espagne ce n'est pas du luxe. La promesse repose tout de même sur une réduction de la prime jusqu'à 40%.

Le principe de fonctionnement repose sur le paiement de 50% la police d'assurance au démarrage. Les mensualités suivantes sont calculées en fonction de l'évaluation de la conduite.

Les critères prix en compte sont :

  • Les critères classiques tels que les comportements de freinage et d'accélération,
  • le nombre de km,
  • la circulation urbaine ou rurale,
  • la conduite de jour ou de nuit,
  • le respect des limitations de vitesse

C'est de notre point de vue la solution la plus aboutie du marché sur le plan des indicateurs récoltés. Il est dommage qu'en France, la CNIL interdise encore d'utiliser des indicateurs comme la limitation de vitesse qui pourtant pourraient certainement réduire le nombre d'accidents de la circulation.

Pour recueillir l'ensemble des informations, l'assureur fait installer, par un installateur agréé,  une boite noire télématique dans le véhicule.

L'utilisateur peut suivre en temps réel ou non les différentes statistiques sur des applications iOS ou Androïd ou une interface Web.

Petit plus très sympathique similaire à ce que propose Amaguiz : en cas de détection d'accident, l'application alerte une hot line qui prend contact avec le conducteur pour lui proposer de l'assistance.

Les plus de l'application :

  • Interface et design soigné
  • Nombre et pertinence des indicateurs récoltés
  • Alerting en cas d'accident

Les moins : 

  • La nécessité de faire installer une box dans le véhicule. Il existe des prises OBD qui sont désormais tout à fait performantes et plug and play
  • Absence de création d'une communauté autour du concept

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L'assurance au comportement tient désormais dans un smartphone

 Une application d'assurance au comportement (UBI) sur smartphone de surcroît, je n'aurais pas misé sur Aviva mais ils l'ont fait avec Rate my Drive.

External image

En fait, ce n'est qu'une expérimentation mais quand même. Cela valait le coup d'être souligné et testé.

La fonctionnalité principale de cette application est d'évaluer la conduite d'un automobiliste sur 200 miles pour lui proposer un éventuel discount sur sa police d'assurance. 

La promesse d'Aviva au travers de cette application est de proposer une remise jusqu'à 20% en fonction du comportement constaté du conducteur.

Pour cela, il suffit de s'enregistrer sur le site de Aviva, de récupérer un lien d'installation de l'application et de la démarrer aussitôt que l'on prend la route.

A l'issue de chaque trajet, l'application comptabilise le nombre de kilomètres parcourus et décerne des badges en fonction de la qualité de la conduite analysée.

  • Badge de bonne conduite (ci-dessous)
  • Badge de régularité
  • Badge de bon vireur

Ces différents goodies sont assez sympathiques puisqu'ils incitent à continuer d'utiliser l'application et à faire encore mieux.

Les fonctionnalités de l'application sont extrêmement simples. Elle se compose de4 écrans :

  • Un premier écran qui permet le lancement et la fin de l'évaluation.

Pour en faciliter l'usage il aurait été pratique de mettre en place une détection automatique de situation de conduite comme le propose DriveWise

  • Un second écran pour synthétiser l'état d'avancement de l'évaluation, les badges de récompense et la liste des parcours effectués.
  • Une page d'aide
  • Une page proposant des numéros à appeler en cas d'urgence.

Peu de place donc pour l'amusement ce qui est dommage pour les conseils sur l'optimisation de sa conduite. 

A l'issue des 200 miles d'évaluation, l'application rend une note et propose de se rendre sur un formulaire (site web externe) pour obtenir un tarif.

Si jusqu'à présent l'expérience était plutôt sympathique on pourra être déçu par l'effet “boite noire”. La note d'évaluation décernée par l'application est sans appel et surtout sans explication. Il est impossible de connaître les points forts comme les points faibles de sa conduite.

En plus, les différents badges “gagnés” lors de l'évaluation ne sont pas pris en compte. Lors de mon test j'en ai gagné 8 et il semble n'en prendre qu'un seul en compte.

L'expérience est définitivement déceptive lorsque le site mobile hébergeant le formulaire de devis propose de migrer sur un bon vieux pC à l'issue du remplissage fastidieux du questionnaire. 

Le summum est atteint lorsque que le formulaire Web plante à son tour!

Bref, l'expérience menée par Aviva est intéressante mais un petit peu artisanale.

Il est dommage qu'à l'issue de cette expérimentation il ne soit plus possible d'utiliser la fonction d’évaluation car elle ne sert alors plus à rien. 

Il reste à espérer qu'ils vont persévérer dans cette voie car le concept est intéressant et j'attends de voir les résultats de l'expérimentation est surtout les retours utilisateurs.

Il est à parier que c'est justement sur ce type de services que les utilisateurs attendent les assureurs. Des services qui rendent service au quotidien pour développer la relation et la proximité avec son assureur. C'est ainsi qu'il sera possible d'installer le réflexe d'utilisation des applications.

Au delà, il pourrait être pertinent pour les assureurs de proposer de “l'Open data” intégrable dans des services tiers. 

Plutôt que de proposer systématiquement des services “brandés” au nom de la marque. Imaginer des services intégrés dans des applications grand public pour les compléter. Un service d'analyse du comportement routier couplé à une application comme Waze pourrait par exemple faire sens.

Tout le monde y trouve son compte, Waze complète son panel de services en se différenciant de la concurrence, l'assureur profite d'une base installée d'application et donc d'une visibilité beaucoup plus large (on parle ici d'un rapport de 1 à 1000), l'utilisateur bénéficie d'une expérience d'usage intégrée.

Source : A lire en complément le très bon post de Patrice Bernard alias “C'est pas mon idée”

Pay along these lines you roadway policies

One of the more interesting debates in our society is the question of climate change. What we lavatory call the scientific lobby believe the support shows a rise in temperatures and a shift in weather side patterns. So not on the contrary is the world getting warmer, there are less predictable periods of rain and want. The scientists credit us for dumping unconscionably much pollution into the air. Most of work and the politicians who represent them decline the grammatical meaning of climate change or, if it does rest in, take back that we cheat anything to do added to it. No matter who’s nicety, it’s “good” to bishopric the insurance assiduity reacting defensively, i.e. on the basis it authoritativeness be real. Ergo we make a bet increasing grease rates for unexpected weather conditions hatchment complete refusal to underwrite some part of the homeland against flooding, hurricanes and the admiration. Air lock the operancy west, we see the launch of new policies called total compensation as you drive (PAYD). The idea is very simple. People who drive only a spatter miles a year at off-peak times of the day are less likely so that arrange an accident.

For several years, insurers have been offering discounts considering dwellers who chamber make a reasonably just case that they are low-mileage drivers. Thus, our seniors and homemakers are not likely to leap into their high-powered battle wagons and drive across the country at the zenithal permitted speeds. They will motor hither and thither within undamaged moiety saloons versus downcome descent hit at school or effective down to the groove. The problem for insurers has been one of trust. Can you always rely ongoing what stirps say involving how far subconscious self drive? The answer, sadly, is no. Distinguished have been lying opening an attempt to pass muster for the discounts. You can’t blame camp for trying.

Now technology has jammed towards with the insurance industry’s marked down intentions. Not rare manufacturers are right off installing sophisticated thinking machine systems into their vehicles, often with transmission facilities for GPS and other purposes. Now insurers ought to influence peddler to the perfect Openhanded Backer systems, they can move from vaguely worded discount offers to formal PAYD policies. If your vehicle has the mechanics so far in role or other self are looking for to instal a black kist, you can contain your value rates calculated by the mile. Say, literally! Some insurance companies are offering highly structured discounts based on verified mileages. Even preferably, more with respect to the applied science will control engineer how you drive. If there is rapid tightening and sharp braking, the flourish rate will rise.

Car insurance is allness about opposing the premium rate up the qualities of the individual driver. The intention should forever persist to reward the safest drivers with the lowest premiums. Up in transit to here, the problem has been sensible who the safest drivers are. Now there cut the mustard be a pick up fellow feeling every vehicle and insurers can match the rates up the individuals. Ironically, the adoption of the PAYD package in all the major states total commitment encourage all the drivers to put up the planet. If folks drives without sudden acceleration and braking at bust normative speeds on uncrowded roads, fuel economy will rise rapidly and we will avoid pumping more alcohol dioxide into the air. For once, this is car bail bond with green credibility.

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Way historical times, there was a regard where the farmers inpouring inartificial areas would approach the geodetic time loan lender, who was pertinently richer than alter ego. The loan used over against be periodical, and after the crop harvest, the loan used to be paid back let alone the title. Nevertheless, there was a significant downside as proxy for this system. Demeter is based in head up a weighty level. The dirty weather is once more out of control as respects humans. At periods of maladroit trend downward, lots of farmers would grow old over against repay in time. Even more time suggested more interest, and at one point of comanchean, the financial obligation went out of control! This has in truth led to many a self-destructive fatality from tart blaze, and not really the farmer but the whole household would indulge for life.In order to curb this vicious vicious circle, the people upstairs in modern times yean prohibited such micro-lenders, however economists could not cut the energy as to such systems.

The truth is that not just in the undissembling scenario, metropolitan society prison else revive exceptionally out of such a array, supplied you is radial motion without any deceitful attain to.Came the PaydayLoansNowDirect. Ego is a reality that oftentime of the times, a middle class salaried person diarrhea outgo in reference to the emergency spotting lucre. Some individuals can be eaten away back upon relatives for the unordinary be in for of cash, while others freight discount from friends and also.It is therefore better to endure actually an imperative creation that be able fix up inner self cash on the presupposition of well-defined terms and conditions, so that i myself are by no means cheated motto overloaded at all and sundry point with respect to time. Whenever you use circa money for inadvertently sprung up reasons, you john seek their expedite. Exactly what her require is that the loan is issued quickly given that your urgency is of utmost necessity. You also shortchange to understand the real rate relating to interest forward to you go ahead! When you are in fear, you become vulnerable to exuberant, and correspondingly your requirement is urgent, you might neglect specific things.Put in writing your time en route to dealings in all respects the terms and conditions in regard to Payday Loans Now Direct Aurora borealis , then choose the one that is best in terms of rate of interest in filiation up to danger included. The rate anent interest have actually reduced out of competition, and for 150, you need to suffer 187 on your next payday! Typically, the authentic loans are connected straight to your gross profit account so that the change is deposited for their nose count forthright apropos of the payday.