How Will The Auto Insurance Industries Respond To Wearable Technologies

Google glasses and smart watches are only the latest wearable technologies that raise questions about the use of communication technologies in automobiles. If just these two examples catch on with the public, it will create new and interesting possibilities for the future and give auto insurance companies something serious to respond to.

teen texting

Like Cell Phones
Like cell phones, these devices bring text, notifications and other information to a person behind the wheel through head mounts, clothing or wristwatches. One of the biggest areas of growth in this type of messaging is the development of medical devices that monitor people’s physiology.

The use of these devices is bound to raise questions about their use by drivers in cars, but many manufacturers are designing wearable devices to interface with your car’s computer systems. Physical fitness monitors in the future will help your car determine climate control settings and measure the driver’s stress and fatigue levels. Some may even monitor a driver’s alcohol level.

Distracted Driving
For the insurance industry, the concern is about the distractions that have come up with many electronic communication devices. By definition, distracted driving is the act of driving while engaged in other activities. Advertising, text messages, emails and other communications already bombard consumers on their cell phones, and the same messaging can come through Google glasses and wristwatches. The use of texting and cell phones while driving is banned in many states.

Recent court cases addressing Google glasses and distracted driving have demonstrated how new the technology is. While authorities could ticket someone for distracted driving with Google glasses, it’s difficult to make the case that the driver turned on the glasses during the operation of the vehicle. In addition, existing bans on texting devices do not apply to Google glasses because Google glasses have not yet joined the list of banned technologies. Wristwatch violations will be even harder to prosecute, but many state legislators are drafting bills to ban Google glasses from use by people behind the wheel.

Airplane Technology
The public doesn’t necessary agree with the ban. Their disregard for the ban brings up another issue. Google glasses are a heads-up technology, an issue that lawmakers should pay attention to. The driver can watch the road while viewing information. Heads up technology, proven a positive development in military air transportation, is a possible compromise for those who refuse to give up their communication devices in the car. Most accidents occur when people are looking down at their communication devices. If that’s true, then Google glasses offer positive developments.

Distracted driving is serious. Just Google “distracted driving crashes” and you will get an eyeful of wrecks and car pileups. In some states, police have pulled over people for eating a hamburger as a form of distracted driving, so how could anyone defend communication devices, especially when you see the damage done?

It’s important to use caution when you bring wearable communication devices into the car. Until the verdict returns on wearable devices like Google glasses, drivers should turn off anything that would demand they take their eyes off the road.

Burned Out – 5 Ways To Recharge Your Battery

One of the most common challenges for most people in today’s society is a lack of time and energy due to overpacked schedules and a slew of responsibilities. For many people, it can mean a lack of sleep, an unbalanced diet, and an increase in stress for an easy way of feeling burned out and exhausted. For those who need to boost their energy levels, there are several ways to recharge and feel rejuvenated.

1. Meditate
Meditation has been used for hundreds of years as a way to relax and reduce stress. If performed daily, it can work to clear the mind, release tension in the body, and boost brain power for an easier way of completing the day’s tasks. Whether taking a meditation class or doing it in the comfort of your home, the practice will work to increase self-awareness, focus on the present, and reduce negative thoughts throughout the day. Physically, it is known to reduce asthma, allergies, fatigue, sleep apnea, and even depression for overall well-being.

2. Get a Massage
A massage is a common way of releasing the body of stress and tension, which can also remove toxins with proper stimulation of the muscles. Opt for an aromatherapy massage or Thai massage for a session that won’t involve discomfort. After getting a massage, it can be easier to have uninterrupted sleep throughout the night and feel more relaxed during the week.

3. Go on a Hike
The great outdoors offers plenty of fresh air and soothing noises for a chance to escape a suffocating cubicle and gain a bit of R&R. It will not only release endorphins with the mobility, but will offer a chance to experience breathtaking sights for an incredible way to feel recharged and alive again.

4. Take a Vacation
Experts recommend to take a vacation at least once a year for a proper way of getting recharged and gaining much-needed rest in a new location. Visit a destination that is quiet and serene without heavy crowds or traffic, why not check out some off the beaten path like the Oklahoma mountains? Avoid creating a busy schedule, instead making it a point to relax in the sun, take a dip in the pool, and sleep in for a trip that will help regain motivation to face the real world again.

5. Journal
Journaling can be a therapeutic way of reflecting on your personal thoughts and reevaluating your overall perspective on your responsibilities and the world around you. Be real, honest, and unguarded in your writing for an easy way of taking a step back and evaluating your life. This can help to gain new insight on daily worries or fears, while also clearing the mind of constant thoughts that can be difficult to ignore. Journaling when stressed or overwhelmed can help to stimulate positive thoughts by riding the mind of negativity or doubt.

Whether visiting a local spa for a rejuvenating massage or escaping to a far-off destination, there are a number of ways to let go of daily burdens and treat yourself to some much-needed therapy. It will not only work to recharge your mental and physical energy, but can work to make you more productive with your responsibilities for a healthier and happier lifestyle.

Demystifying Obama Care – Debunking 5 Common Myths

Since the Affordable Care Act’s (a.k.a. ObamaCare’s) individual mandate went into effect at the beginning of the year, almost all Americans now have direct experience with the law and its repercussions. Whether you love it or hate it, ObamaCare is still surrounded by a host of myths and misconceptions, and while few would admit that the legislation is perfect, we can only begin to address ObamaCare’s actual flaws by debunking the myths surrounding it.

Myth 1: ObamaCare is Socialism

“Socialism” is an umbrella term that covers a wide ranging collection of political and economic philosophies, but as it is broadly understood by most people, socialism is taken to mean a government take over of business as practiced by the former USSR. ObamaCare does not fall into this category. While ObamaCare creates a series of rules and regulations stipulating what insurance plans must provide, who must have them, and who must pay for them, this is similar to other laws regulating private industry. Similar pieces of legislation have governed American business for nearly a century.

Myth 2: “If you like your health care plan, you can keep it.”

President Obama’s famous proclamation was PolitiFact’s 2013 Lie of the Year. As PolitiFact notes, this is a promise that President Obama could never keep. Because ObamaCare represents government regulation of health care, and not a government take over, President Obama could never guarantee that a health plan would continue to be available.

Myth 3: ObamaCare leads to layoffs, and a reduction in employment hours.

The Republican National Committee (RNC) argued that ObamaCare would force companies to layoff full-time employees or convert them to part-time employees, and cut back the number of hours available to part-time employees in order to side-step the law’s requirement that employees working more than 30 hours per week must be provided health insurance by employers who have 50 or more employees. According to, however, the RNC based this statement on the number of Americans working part-time, and unable to find full-time work “for economic reasons.” Since we are still in a recovering economy, blaming ObamaCare is a bit of a stretch.

Myth 4: The ObamaCare website failed solely due to the number of people seeking insurance.

Following initial problems with, the federal portal for those seeking insurance, President Obama claimed that those problems were due to the number of people trying to sign up for health insurance plans through the portal, but this is not true. According to the Washington Post, despite a massive failure in pre-launch testing, the went online on schedule, and unwary consumers were given no warning.

Myth 5: Most Americans Oppose ObamaCare

When asked about their feelings on ObamaCare, most Americans respond negatively, but when polled about individual provisions of the health care law, most Americans respond to most of those provisions favorably according to a Reuter’s/Ipsos poll.

ObamaCare is the most significant domestic legislation in decades, and it’s prone to inspire fiercely divided opinions. If we are to have an honest, meaningful, and productive debate about the effects of the law, and how to improve it in the future, though, we must learn to look past the partisan myths that have dictated the ObamaCare conversation.

Ten Cool Giveaways For Tech Trade Shows

Trade shows in the technology industry are some of the most exciting events each year. Industry giants wait for the largest trade shows to announce new software, hardware, and incredible new innovations that are just on the horizon. Between keynote addresses and product announcements, attendees have a chance to wander the immense exhibit halls full of vendors showing off their newest wares and giving away cool prizes. Any attendee can expect to leave a tech trade show with a bag or two full of giveaways. Here is a look at ten cool giveaways for tech trade shows.


Giveaway #1: This may be an old one, but it has been around forever for a reason. Giving away t-shirts and other apparel immediately makes a fan into an advertisement, giving them an opportunity and excuse to talk about their favorite brands with others on the street.
Giveaway #2: Most tech conferences give each attendee a bag to put their giveaways and swag into, but unless the attendee takes it back to the hotel to empty it out each day, they are likely to run out of space quickly. Giving away bags will ensure that every attendee stops by the booth.
Giveaway #3: Giveaways at tech trade shows often target the attendees themselves and what they want and need right then. Lanyards that are provided at the start of the convention often break, and providing a lanyard with the company brand is often a relief to an attendee who doesn’t want to lose his day pass to the exhibit hall.
Giveaway #4: Branded items of all sorts quickly fill up an attendee’s bag. Pens, pencils, magnets, or anything that can hold the company’s name will make it into an attendee’s hands and soon to their friends and family.
Giveaway #5: Being a tech conference, attendees are sure to appreciate good quality tech accessories as well. A new laptop bag, mouse pad, or even an LCD screen cleaner imprinted with a brand’s logo is a smart move.
Giveaway #6: Trips are hazardous to all sorts of mobile devices, and losing a charger is definitely top on the list. A universal charger or a USB battery pack will save the day for an attendee.
Giveaway #7: In a mobile society, people always need more space to hold their information. Flash drives with free software or product demos will be snatched up by any enterprising attendee.
Giveaway #8: Many pieces of software come with an expensive subscription service. By giving away a trial subscription to a number of attendees, any business may come away with new customers when the subscription expires.
Giveaway #9: Any fan would love to have the signature of the programmer, author, designer, or lead developer. Books, posters, and other items can be signed to increase their value.
Giveaway #10: Giving away small branded items gets an attendee to stop by, but raffles for large prizes will get attendees to stick around for a full presentation and enjoy more time at the booth. Mobile devices such as the Kindle, Nook, or an iPad will draw a crowd to watch the giveaway.
Tech conferences are a whirlwind of fun and excitement. Coming home with bags full of exciting giveaways extends the experience and encourages the attendee to come back year after year.

Sony’s New Stance On Used Video Games

Sony upended the next-generation playing field with their announcement that they would not tack on additional fees to the purchases of previously owned games. The revelation is a direct counter to the public ire cultivated by their industrial rival, Microsoft, and their recent declaration stating that used video games would likely be forbidden on their new console. This stems from the in-depth licensing protocols Microsoft wants to implement as individualized contracts that bind each gamer to strict regulations regarding the property rights of the game and system. The decision by Sony to allow a lucrative market for used video games offers solace to gamers who were bracing for potential disenfranchisement.


Support for Previous Models:
The crux of the used games controversy revolves around backwards compatibility. The upcoming Playstation 4 system will be equipped with the hardware to support games from all of its predecessors; meanwhile, the forthcoming Xbox One will not provide functionality for games that were programmed for previous systems. Instead, they have a plan to make the most popular games in their back catalog available for download through their online store. This layout will require avid gamers to purchase duplicate copies of games they already own if they want to play them on their newest console. Critics of Microsoft’s maneuvering claim that it amounts to simple racketeering. Sony diligently paid attention to the negative responses that their opponent received, and fine-tuned their press release accordingly.

The Formal Text:
Keen observers of the video game industry will notice that the fine-print used by both companies is nearly identical; however, Sony asserts that their protocol provides publishers with a much clearer directive than Microsoft’s does. Both corporations have included a clause that allows game publishers to insert their own fees if they desire. Sony notes that this is merely a semantic technicality, because current industry conditions mandate that any publishers that inflates their rates will be subjected to mass protests. None of Sony’s game publishers have made any indication of implementing such user restrictions. By making their intentions public, Sony has maintained a positive status quotient that allows financially limited people to access games through a resale market.

Importance of Public Opinion:
There is no reset button on the public discourse, and Sony appears to have taken full advantage of the current technological conversation. Even with semi-congruent proposals, Sony has earned the upper hand by biding time, and striking at the most vulnerable moment. Microsoft has attracted a growing number of aggrieved detractors that see the corporations tactics as unjustifiably greedy. The public response for Xbox One already was clamorously apathetic. The lack of backwards compatibility is compounded with the privacy concerns of a built-in camera that never turns off. Furthermore, there will be no way to operate the system without a constant internet connection.

Conversely, the Playstation 4 will not require online access to function, and it will not have the set-up of a digital spy. Players can keep their massive collections of Sony games, because the new console will let them endlessly enjoy them. Devotees of Sony will have unfettered access to games that are affordable, simply because they were previously played by someone else. Microsoft is opting for invasive limitation, while Sony is pursuing liberal universality. The future of video games is murkily uncertain, but one aspect that remains sparklingly clear is that Sony is providing Microsoft with seriously steadfast competition.

4 Great Mobile Apps That Can Make You Smarter!

The modern world, with it’s 24/7 activity and constant multitasking is distracting. There is no agreement as to whether or not smartphones and other electronic devices rot brain cells. However, neuroscientists have discovered that multitasking can negatively affect short term memory by creating a state of chronic distraction.

Though we do not know how smartphones and technology negatively affect cognition, It may be possible to exercise your brain and enhance your memory and thinking. Conveniently, there are dozens of mobile apps to help make you smarter, and here are 4 mobile apps that will help you learn more, improve your vocabulary, and challenge your brain to make you smarter.


This brain training app is composed of 10 brain games designed and created with the help of neuroscientists to boost fluid intelligence, working memory, visual attention and executive function in only minutes a day. The games are fun, challenging and addictive, which should keep you coming back every day. Luminosity offers a free version which allows for a few lessons, but a monthly or yearly subscription is required for full access.


Inspiro seeks to stimulate your imagination by pushing you to draw inspiration from randomly generated phrases and concepts. Three different “chapters” can help break a writer’s block by helping you generate fresh concepts. The Muse chapter generates random phrases. The DayDream Machine chapter spits out concepts that you can spark conversations with. The Scenario chapter generates random scenarios and is great for acting exercises, playwriting, and any number of artistic projects. It can be purchased for $2.99.


This is a great app for exploring different subjects because it puts the powerhouse of information of the TED network on your smartphone. With this app, you can listen to lectures, watch videos and read articles produced by accomplished intellectuals from around the world. The content is searchable by topic and author, so you can learn about everything from the latest biotechnology to international relations. This app is free.

nytNY Times Crosswords:

This app offers all the popular NY Times Crossword puzzles in one spot. Will Shortz’ mind challenging puzzles are sure test your knowledge and vocabulary. If you think you can handle more, this app allows you to race to complete the puzzle against the top players. The application itself is free, but to play you need to either purchase a NY Times subscription, or buy a puzzle pack. However, the app provides a starter puzzle pack, which includes 9 puzzles, for free.

Even if you are a skeptic convinced that your memory and attention will be fine no matter how much you multitask, these apps are fun. So, check them out of you’re looking to challenge your brain and make yourself smarter. If you aren’t? Check them out anyway and let yourself be entertained.

5 Amazing Medical Apps On The Market Today

We live in a world where smart phones, iPads, Facebook and Twitter play an integral part of our everyday lives. This new technology is also becoming a vital tool in the medical field. Below is a list of five apps that are changing the way doctors, nurses and health officials are tracking disease, diagnosing patients, and taking care of the ill.


1. MappyHealth
mappyMappyHealth is a website that tracks health-related tweets. The app is designed to help national, state and local health agencies track outbreaks of illness and other health concerns. The Department of Health and Human Services’ Office of the Assistant Secretary for Preparedness and Response (ASPR) awarded Charles Boicey and Brian Norris $21,000 for the design of MappyHealth. The ASPR developed the contest after health officials across the country expressed the need for a social media app to help track disease. The website is currently in beta.

2. ResolutionMD
resolutionmdResolutionMD is a free app that allows doctors to view CT scans and X-rays on their iPhone or iPad. The app is a simple concept. And why would a doctor make a diagnosis based on a small image on their iPhone? Sometimes doctors can’t always be at the hospital to make the time sensitive calls. ResolutionMD allows doctors to make calls in emergencies when they are en route to a hospital. But is it safe for a doctor to make the tough calls on their iPhone? According to a study at the University of Calgary, doctors can determine how to treat strokes using an app with nearly the same accuracy as when they use the diagnostic tools in a hospital.

3. DrawMD
drawmdHaving surgery can be a scary experience for a patient. DrawMD may sound like some sort of fun game. In reality, it’s a useful visualization tool — a useful app that can help improve a surgeon’s bedside manner. The free app allows doctors to illustrate through computer graphics exactly what specific surgeries require. Imagine a football commentator outlining the moves of the players after a big play.

4. Medical Assisting Pocket Guide
pocketguideBeing a medical assistant is not an easy job. You are expected to help out with many facets of the health profession. From taking a patient’s blood pressure to remembering complicated insurance codes to memorizing complicated legal jargon, how does a medical assistant keep everything straight? Look no further than the Medical Assisting Pocket Guide. If you are currently working to earn your medical assistant certificate, this app will become a great tool while you study. The Medical Assisting Pocket Guide app is a great way for every medical assistant to have what he or she needs at his or her fingertips and is available for the iPhone or iPad for $9.99 at the iTunes app store.

5. Visible Body 2

Medical students and Grey’s Anatomy have been synonymous since the dawn of medicine TV. But now medical students can leave the giant book behind for Visible Body 2. This 3D human atlas contains over 3,400 structures and views. The iPad & iPhone apps are available at the iTunes store for $34.99.

Dropped Your New iPad Mini? Here’s How To Fix Your Screen!

Dropping your iPad mini can leave the screen damaged, and in these situations, people panic and go out and purchase a new one. However, what if new information told you that you were throwing your money away? What if there was a method where you could save some money? Lucky for you, there now is something that can save you a fraction of the money that you would pay for a new iPad mini altogether. There are iPad mini repair centers around the country that can fix it up real good for cheap, and even if you can’t find one in you neck of the woods, many let you mail it in and they mail it back to you in one piece! However, if you’re a craft person, you can take matters into your own hands!


Here’s how to fix your screen:
Know the parts needed: Knowing the parts needed can save you money because you will not spend extra money on a package for parts that you do not need. For example, if you have cracked your screen, the most likely thing you will need is a new digitizer and not an LCD screen. Keep in mind that different iPads are going to require different dimensions for a digitizer, so be careful before you buy anything.

Here are some tools that you need to fix your screen:
Mini Screwdriver
Metallic Pry
Plastic Pry
Roll of Electric Tape
iPad Clips Replacement Set
Step #1 Remove The Protective Plastic:
This is the plastic layer on the iPad screen that is plastic and supposed to protect the screen.

Step #2 Insert Metallic Pryer Into Edge Of Front Panel:
The goal of this step is pry open the front panel.

Step #3 After Pried Open:
After you have pried open the front panel, you will notice that there are a couple ribbons holding the screen in place. Release the ribbons.

Step #4 A Cable And Electric Tape:
There is a cable that is connecting the two panels of your iPad. You release that cable and then remove the electrical tape, then the two panels will come apart. The LCD should be released after this step.

Step #5 After The LCD Has Been Released:
Once you removed the damaged digitizer, you will take your new digitizer and put it in place of the old digitizer.

Step #6 Using The Metallic Clips:
The metallic clips should be screwed in during the assembly and this will help with holding the new digitizer in place. You also want to take your electrical tape and place it around the edges of your iPad.

Step #7 Knowing By The Length Of Two Cables:
You should know by the length of the cable, where and how to position the two cables.

Step #8 Connect The Split Ribbon Cables:
Once you have completed this step, give yourself a pat on the back. You have just fixed your iPad screen yourself.

The first time is always the most difficult because you do not know what to expect, but once you have figured out the process it becomes much easier. The important thing is to stick with it, and you will succeed. REMEMBER! Do this at your own risk, if you break it you pay!

Can You Get Prosecuted For Unlocking Your iPhone?

Can you get Prosecuted for unlocking your iPhone? The answer is that it depends on when you bought your iPhone and of course, what country you live in. In the United States, The Library of Congress, who is the governing body responsible for determining the exceptions to the Digital Millennium Copyright Act (DCMA) reversed its earlier decision by removing the personal cell phone exemption, making it illegal for the first time since 2006.

The DCMA prohibits the circumvention of copyright protection measures. Previously the Library of Congress had determined that because unlocked cell phones were not widely available to the public, it was deemed important enough to allow consumers to circumvent copyright protection in order to do so. However, in its most recent decision the Library of Congress stated that with more companies offering unlocked cell phones, it was no longer necessary for consumers to unlock cell phones themselves. The declaration was made on October 26, 2012 and took effect 90 days later on January 26, 2013. Phones that were purchased before January 26th are a part of a “grandfather” clause and are unaffected by the ruling. Unlocking phone purchased after that date is currently illegal in the United States and doing so can theoretically bring a fine of $2,500 for personal use or $500,000 or jail time for a commercial operation. If someone would actually be persecuted for jail breaking their own cell phone, it seems unlikely as enforcement would be extremely difficult.

The ruling has no effect on jail breaking or rooting devices, which is different than unlocking. Unlocking your phone is accessing the certain system files to allow the phone to work for carriers that it was not designed to work with when it was sold to the consumer. Most phone carriers work off of one of two networks, either GSM (Global System for Mobile Communications) or CDMA (Code Division Mobile Access) and phones are designed in their hardware to work off of one of these two systems. So in theory, any phone that is sold by a carrier that uses the CDMA system, such as Sprint, should work with any other carrier that uses that network, such as Verizon. What prevents this is system files that are typically put on the phone by phone companies before selling them to consumers. Without an unlocked phone your iPhone will only work with the carrier that you bought it from, even after your contract with that company has expired, unlocking allows you to switch your phone to another carrier on the same network. No amount of hacking or unlocking will allow a phone to switch from a CDMA to a GSM network. Recently more and more carriers have been offering unlocking phones, or to unlock the phones once the contract is completed. This was the justification used by the Library of Congress to make unlocking illegal.

5 Great iPhone Apps To Better Manage Your Money

There is nothing more fulfilling than managing your money whether on the move or at the comfort of your house. In today’s economy where an appropriate investment can turn you from a pauper to a millionaire, you do not want to miss out on the greatest investment opportunity. The iPhone is a great revelation that comes in handy when you want to keep track of your personal finances. Here are the 5 best iPhone applications to help you in better management of your money.

Bloomberg mobile
More like the Bloomberg terminal, this mobile application is on the forefront when it comes to provision of impressive money management features. With Bloomberg in your iPhone, you will be able to receive the latest business news, developments, descriptions of interesting companies, analysis on price charts and trends. This app can be classified as one of the best iPhone apps since whenever you change the orientation of the phone, chart are aligned such that they fit the screen appropriately.

Being a long term personal finance leader management, iPhone app offers the most efficient and user friendly budgeting tools. It is used to conveniently connect your bank account and optimize your budgeting program as well as categorize expenditures. You are able to enter pending cash transactions on the go therefore account will always be up to date. In addition, this application enables you to keep track of your expenses and budget your money efficiently.

Mortgage Calculator Free
There are a couple of mortgage calculators in Apple’s iTunes store yet Mortgage Calculator Free stands out from the rest due to its simple user interface. This application has multiple mortgage options that are available at your disposal making it easier to acquire your dream house. Another important feature is that it can be used to configure both monthly and yearly mortgage fees including home mortgage and private mortgage insurance. It can also be used to calculate property taxes as well as their paid installments. Mortgage Calculator Free is an essential application to both users: those who want to purchase a house or those who simply want to know how mortgage works out.

PayPal, one of the largest money management sites can now be available for use as an application for your iPhone. This app allows you to check balances, send money and receive money from any location. You can also create or manage online fundraising campaigns through the PayPal donate functionality. The app’s split bill feature is convenient in that not only does it allow you to dine out with friends but it also comes with a tip calculator. It supports 16 different currencies and has a secure password feature to ensure maximum protection against fraud.

Pageonce money and bills
Pageonce is an all-in-one application that allows you to connect your bank accounts, credit cards, bills, loans, travel reward programs and cell phone minutes in to a single secure system. With this application, you get a complete overview of all your accounts making it easier to manage them disregarding your location.