Wednesday, May 22, 2013

Why You Ought to Think about Buying Your Auto Insurance ...

Even so, this is not to say that auto insurance coverage is a total economic burden. It only says that there are goods like auto insurance coverage that the government imposes you to get for your personal sake even though you do not truly like it?.

Many would contemplate auto insurance as an added economic burden. And who would not ? Think about paying for anything that you are not sure if you will ever going to use. The worst thing is, auto insurance is not the solution you can decide on not to purchase.

Nonetheless, this is not to say that auto insurance is a total economic burden. It only says that there are items like auto insurance that the government imposes you to purchase for your personal sake even even though you do not genuinely like it. Nonetheless, you can not do anything about it anymore and have to accept it as it ought to be.

Anyway, if you are prepared to purchase your next automobile insurance coverage policy or prepared your initial car insurance coverage policy, consider acquiring on-line. Why? Let us count the causes

As stated above, car insurance can be a burden primarily since of its price. But would it be good to know that you can definitely decrease your vehicle insurance price using on the web resources?

Vehicle insurance price is influenced by a lot of factors. The issue is there are elements you can alter in order to decrease the price of your premium. Your car insurance coverage broker may possibly reveal the distinct ways on how to get low cost vehicle insurance coverage. But, it is always far better to know this yourself? And you will know almost everything you need to have on the web.

Regardless of whether you are just inquiring or ready to purchase your vehicle insurance online, you can be certain that you get cost quotes quickly. There are numerous auto insurance coverage businesses that provide free of charge car insurance coverage quotes. Five to ten minutes on each and every site will give you immediate price quotes you want. This speed is not feasible if you are performing it the standard way.

Comparing these quotes will give you the edge on picking which one particular is the least expensive (if you are right after the price tag) and which a single is the best (if you are after the top quality of coverage being offered). You don?t have to wait for many hours, even days, to get a reply through mail. Inside seconds, your quotes are currently on your screen.

Moreover, the internet can let you shop from many car insurance businesses without having leaving your residence. It is easy: you do not waste your time and energy just to pay a visit to and inquire at distinct car insurance coverage offices scattered across your state. Of course, that is not all. You can also get the ratings of these companies which are vital in your selection method. Here, you can differentiate these that give the appropriate claims and these that are dont.

You surely can bear in mind the times when you have to pickup your heavy yellow pages and look for certain names for numerous minutes. Well, that is lengthy been over with the revolution of the world wide web. You can now very easily search for a particular organization fast and effortless.

Car insurance purchasing may be very complex for some. It could be extremely complex for you as well. But with the support of the web, you surely remove the hustle of looking, calling, going to and negotiating with distinct automobile insurance coverage businesses. Every little thing you need to have to know is on the web.

Believe of it this way: you are the shopper the net is your vehicle insurance buying mall and data center you can easily access appropriate at your very fingertips.

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Source: http://www.dppd2009.de/why-you-ought-to-think-about-buying-your-auto-insurance-coverage-on-the-internet/

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Vatican releases 1st report of financial watchdog

VATICAN CITY (AP) ? The Vatican took another step Wednesday to show greater financial transparency by publishing the first annual report from its financial watchdog agency and announcing new regulations to fight money laundering and terror financing.

The report from the Financial Intelligence Authority showed the agency received six internal reports on suspicious transactions in 2012, up from one a year earlier, and that two were sent onto Vatican prosecutors for investigation.

But the 10-page report made scant mention of any supervisory operations carried out in 2012. International financial authorities have recommended the agency conduct inspections and issue internal regulations to fight money laundering and terror financing.

The report also made no mention of the troubles that led to the suspension of credit card services inside the Vatican for several months, an embarrassment that inconvenienced the thousands of people who visit the Vatican and its museums each day.

The Vatican created the oversight agency in 2010 in a bid to shed its image as a secretive tax haven and improve its reputation in global financial circles following a series of scandals at its bank and a money laundering investigation launched by Rome prosecutors in 2010.

As part of that effort, the Holy See submitted itself to the Council of Europe's Moneyval evaluation process, which assesses countries' compliance with international anti-money laundering and anti-terror financing norms.

The Vatican in July passed the test on the first try and Moneyval said it had made great progress in a short amount of time. But the Holy See received poor or failing grades for the watchdog agency and its bank.

Specifically, Moneyval said the role, authority and independence of the watchdog agency was unclear and that the Vatican bank's rules for customer due diligence, wire transfers and suspicious transaction reporting were insufficient. It said the bank needed an independent supervisor and must conduct a thorough risk assessment to ensure that it knew its clients and the risks it faces.

The report issued Wednesday addressed few of those recommendations.

"I'm not here today to say that everything is great and perfect," said Rene Bruelhart, the agency director.

But at a press briefing, he stressed that a lot had been accomplished and that the Vatican was committed to pursuing the Moneyval process. He said that within the coming weeks and months, the Vatican would update its laws to more closely respond to the Moneyval recommendations and he said that screening of the bank account-holders was currently under way.

"We are more than on the right track in having an increased amount of suspicious transactions reports, that's also a clear sign that this type of screening is taken very seriously," he said.

The Vatican must submit a progress report to Moneyval in September, Bruelhart said.

In addition to the report, the Vatican has recently announced other measures aimed at greater financial transparency, including publication of the annual report of its bank and enlisting an international agency to certify the bank's compliance with anti-money laundering and anti-terror finance norms.

The watchdog agency has two main functions: one, as a financial intelligence unit that gathers and analyzes financial information, and the other supervising and regulating the Holy See's government, including the bank.

While the report released Wednesday provided 2012 statistics and updates on the financial intelligence work of the agency, there was slim information about the supervisory and regulatory work conducted in 2012.

There were no reports, for example, of any on-site inspections being carried out or any sanctions being meted out for infractions. The report was also silent on Moneyval's recommendation that the financial authority review the NGOs that work inside the Vatican for compliance with anti-money laundering and anti-terror finance norms.

And it made no mention of the decision by Italy's central bank to compel Deutsche Bank Italia to stop providing electronic payment services to the Holy See on Dec. 31. That meant that for several months in 2013, until a new service provider was found, visitors to the Vatican Museums ? they numbered 5 million last year ? and the Vatican post office had to pay cash for tickets and any other transactions.

While the cash-only problem didn't begin until Jan. 1, after the 2012 reporting period, presumably the problems that led to it were known last year.

In its decision, the central bank had cited the fact that the Vatican had insufficient banking supervision. Bruelhart, however, said Wednesday the dispute was between the Bank of Italy and Deutsche Bank, not the Vatican.

___

Follow Nicole Winfield at www.twitter.com/nwinfield

Source: http://news.yahoo.com/vatican-releases-1st-report-financial-watchdog-111238426.html

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Google?s Impressive ?Conversational Search? Goes Live On Chrome

The ?conversational search? that Google demonstrated at last week?s Google I/O conference is now available to users of its Chrome browser, and it?s a significant leap in how we use search engines.

I?m 17 years now into writing about search, and I?ve seen all types of things that have promised to revolutionize the space, especially products that trot out words like ?natural language? and ?semantic search? but fail to deliver.

Conversational search has natural language, semantic search and more built into it, and while it?s far from perfect, this really is one of those?significant?changes that makes even a ?seen it all? person like me sit up and take notice.

What Google is doing is hard, and yet when it works, it feels natural, easy, like it should be. Let?s do some examples, and then I?ll cover some of the ?under the hood? stuff and how to get it, at the end.

Speak Your Search Gets Updated

If you have the latest version of Chrome, you can click on the microphone in the search box to speak your search.

Google Search By Voice

That?s not new. Google rolled that functionality out almost two years ago. The difference is that ?search by voice? now speaks back to you, similar to how the Google Search App works?for the iPhone or Android. Once you speak, you?ll see your words appear:

how old is barack obama

Then you?ll get your results:

how old is barack obama

Sometimes, especially for searches where Google can call upon its Knowledge Graph facts, the results will be topped by a direct answer, or an information ?card,? to use Google?s term for facts presented this way in Google Now.

In the example above, where I spoke ?how old is Barack Obama,? Google showed a card with the answer but also pulled Obama?s age out of the card in order to speak an answer to me: ?Barack Obama is 51 years old.?

Having A Conversation

That?s cool and impressive, speaking a search and getting an answer read back to you. But that?s not the real magic. What?s really special is that you can continue your search ?conversation? by asking further questions in a way you could never do with regular search, by making use of pronouns and other shortcuts that reference things in your previous query.

For example, after doing the search above, I asked, ?how tall is he? and got back this:

how tall is he

?Barack Obama is six feet one inch tall,? came back the spoken response, along with a text answer. But I hadn?t asked tall Barack Obama was. I?d asked, ?How tall is he.? Google smartly figured out the ?he? I was talking about was Barack Obama.

Humans understand this easily. We talk to each other, and we keep track of what we say to each other in a conversation, usually keeping all the antecedents ? pronouns and shortcut references to previous things ? straight. But search engines typically have no memory like this. They?ve generally treated each search we do as if it is unconnected to the previous one.

More Than ?Previous Query?

Actually, both Google and Bing do have some ?history smarts.? Google has been doing ?Previous Query? since 2008; Bing has been doing ?Adaptive Search? since 2011. With both, what you searched for before is sometimes effectively added to your subsequent search. For example, a search for ?new york? followed by a search for ?travel? might cause some of the searches for travel to be about New York travel.

Previous query refinement is helpful, but conversational search is a step beyond. It?s not about simply adding terms to your subsequent query. It?s about parsing the language you use so the search engine understands, really comprehends, what you?re talking about.

When the search for ?how old is Barack Obama? was done, Google had to understand that Barack Obama was an actual person, not just two words that it effectively is trying to character match. That?s smarts it gained as part of the Knowledge Graph that went live a year ago. Those smarts also helped it know that ?age? might be a specific fact it knows about Obama.

When the next search was done, Google had to understand that ?he? was a pronoun for someone, rather than again just trying to character match the word. Next, it had to think who the ?he? might be and look to the previous query to find a person that it might be referencing, Obama. Finally, it went back to the Knowledge Graph in order to find an exact fact that matched Obama?s height ? which meant understanding that ?tall? was an indirect request for height.

This is hard stuff. This is natural language processing,?the ability for a search engine to really understand what a sentence is about, coupled with semantic search, the idea that facts and pages are all connected together in ways that aren?t immediately visible but understood behind-the-scenes.

The Conversation Continues

Let?s keep going. Next, I asked Google, ?who is his wife,? and got back this:

obama's wife

?Barack Obama?s spouse is Michelle Obama since 1992,? Google spoke to me, now understanding that the ?his? was a reference to Barack Obama and ?wife? was a request for a fact it could look up from the Knowledge Graph.

Could you keep going? Sure. Next, I asked, ?how old is she,? and got back:

?Michelle Obama is 49 years old,? came the spoken response. To get this, Google kept up with my antecedents through three questions extending out from the original one.

I don?t have the right software installed at the moment to properly screen capture this in action, but you can try it for yourself, as I?ll explain more. However, the animated image below will give you a sense of it.

conversational search

Those are screenshots that I took last week at Google I/O, working with conversational search on a demo machine.

Not Perfect But Still Amazing

Conversational search doesn?t always work right. The further you go into a conversation, I?ve found, the more likely it will eventually stumble. Sometimes, it won?t even converse when you?d expect it to. The four-query-long example I?ve shown above took a couple of attempts to get right.

Google acknowledged this, when I spoke with people about it at Google I/O and tested it out directly. If the company formally announces the support in Chrome (so far, it hasn?t ? it was just quietly released), I wouldn?t be surprised if it warns to expect bumps.

But while the engineers and other product folks sometimes?visibly grimaced when I hit such bumps doing my testing in front of them, I was far more impressed by how often it worked ? and that it worked at all, as well as it did. I?m looking forward to seeing it grow.

Answers Based On Who You Are, Where You Are

Sometimes you can speak and get answers back from a single question that takes in more than what you explicitly said because Google knows where you?re at or you?ve given it access to some of your private information.

Weather is a good example. Here, I spoke, ?Will it rain tomorrow?? and got back:

newport beach weather

Google spoke to me, ?No, rain is not expected tomorrow in Newport Beach. The forecast is 70 degrees and cloudy? and displayed the weather forecast. I hadn?t told it where I was, or that I wanted a weather forecast explicitly. But it knew my location, knew rain was related to weather and delivered up a great answer.

If you?ve enabled Google to access personal information through the Gmail Field Trial?(a bad name since it now includes things beyond Gmail), speaking something like ?what?s happening today? can bring back your agenda:

calendar

It doesn?t speak your agenda to you, but it?s still pretty amazing ? assuming you?re comfortable using Google?s own services. If you don?t use Google Calendar or don?t use Gmail, the experience is far less compelling.

Beyond ?Cards? & Not Everything Is Spoken

Answers don?t always come from the info cards like those shown in the Obama queries. For example, when I asked, ?places to eat in San Francisco,? Google came back with:

restaurants

Google spoke back to me, ?There are several listings for restaurants near San Francisco,? then showed me local restaurant reviews. None of these actual reviews were spoken.

Similarly, when I spoke ?Newport Beach? to Google, it spoke back saying, ?Here is some information about Newport Beach? but didn?t read any of the actual results:

newport beach

Google didn?t even try to read more about Newport Beach using the description out of the Knowledge Graph box on the right, something it did do when I spoke a search for ?Barack Obama? to it.

Of course, on the desktop, it?s hard to say how useful having anything read back really will be. Indeed, speaking questions on the desktop when that was introduced two years ago seemed odd, especially for anyone who might be in an office. Getting responses read back is very cool but not necessarily that useful on a desktop, in the way it is with a mobile device.

Waiting For Voice Activation & OK Google!

Perhaps the usefulness may change when voice-activated conversational search happens. That?s not part of today?s rollout.

With voice-activated search, your computer would always be listening for you to say a ?hotword? ? likely to be ?OK Google,? as demoed last week, and then it would know you want to search.

So, if you were not at your keyboard for some reason but needed to do a search, you?d speak, ?OK Google, how old is Barack Obama,? and your computer would automatically do that search.

Always listening? Google told me it?s still figuring out exactly how all this would work, but it will likely involve an?extension?for your browser that would only listen when you were on the Google home page or on a search results page. And when it was listening, the only thing that would actually get sent to Google would be the words after the ?OK Google? command, Google said.

We?ll see how it all plays out. It may be that conversational search remains more a utility for mobile devices, with the desktop as a type of training area to help people better understand what they can do while mobile.

It may also be that conversational search will help encourage people to simply type their queries in a more conversational style, using?antecedents in a way they don?t now.

Typing? No ?Conversational? Mode That Way

Maybe that will come, but currently, conversational search does not work if you type. In fact, that?s an excellent way to see the immense difference that conversational search provides.

Try that series of Barack Obama-related queries I did above by typing them in, rather than speaking, and it falls apart when you ask, ?how tall is he,? as you can see:

how tall is he

Out of conversational search ?mode,? because you?re typing, Google makes no attempt to figure out who the ?he? is that you were referring to, so answers about Tom Cruise and Johnny Depp come up instead.

Try It Yourself

As I said, Google hasn?t posted officially about the availability of conversational search being out there, but it is live. Android Central noticed that it?s now out if you have the latest version of Chrome. So to enable it, update. You do that by going to Settings in Chrome, then selecting Help, then it should check if it?s up-to-date and prompt if not.

On my Mac, after updating, I was at version 27.0.1453.93. Oddly, on my Chromebook, I simply couldn?t get it to update out of version 26. I haven?t checked on my Windows 8 computer yet.

FYI, this is not Google Now for Chrome. It might look like that, and Google Now for Chrome and/or the desktop is expected, but this doesn?t provide any of the predictive search answers that Google Now provides.

Enjoy playing with it. For search marketers, it?s a glimpse into an entire new world where people might be seemingly finding you for very generic terms, because the queries no longer express all that was actually searched for.

Ironically, the much-hated ?Dark Google? world over the past year or so, where Google has been withholding search terms done by logged-in searchers (except from advertisers) may have been good training on how to cope?with what now will be withheld by searchers themselves ? exact terms, no longer necessary as they ?converse? with Google.

For searchers, it?s an advancement that may?fundamentally?change their search habits, where they get even more comfortable just talking to that ?best friend? they?ve already been turning to for ages for answers on all types of topics.

For Google?s competitors, it?s another challenge in keeping up. Google Now is already doing amazing things anticipating searches. Now Google?s conversational search is allowing searchers to get casual with the service, plus it sets things up to entice searchers to share more of their own information directly using Google?s other services, so they can speak things like ?what?s happening today? and very personal answers.

Related Articles

Related Topics: Channel: Consumer | Google: Conversational Search | Google: Gmail Search Field Trial | Google: Google Now | Google: Google Search App | Google: Voice Search | Google: Web Search | Top News



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Source: http://searchengineland.com/googles-impressive-conversational-search-goes-live-on-chrome-160445

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Tuesday, May 21, 2013

PFT: NFL want to make Pro Bowl like game show

BarbreAP

Lost in the question of whether the Seahawks face fines for future player suspensions is the reality that, based on the policy created by the NFL in 2008, they likely paid more than $60,000 for suspensions that happened in 2012.

The NFL has declined comment on the question of whether and to what extent the Seahawks have been fined for past suspensions, explaining that this information isn?t disclosed for any team.? But the league office has confirmed that the formula developed in 2008 still applies, and it?s public knowledge that three Seahawks were suspended during the 2012 season:? offensive lineman Allen Barbre, safety Winston Guy, and cornerback Brandon Browner.

Barbre came first, suspended the first four games of the season under the performance-enhancing drugs policy.? He was cut after the suspension ended in October.

Under the league?s policy, the Seahawks faced fines for the second suspension (Guy) and the third (Browner).? Based on their salaries for 2012, Guy lost $97,500 in salary during his four-week suspension.? The policy converts 25 percent of that into a fine, which equates to $24,375.

Next up was Browner, who served a four-game suspension and forfeited $109,411 in base salary.? Since Browner?s suspension was the third of the year, one third of his lost salary became a fine.? That?s $36,470.

The total of the two fines is $60,845.

This year, the Seahawks will be fined if there?s another suspension under the substance-abuse policy, the policy regarding steroids and related substances, or the personal-conduct policy, given that defensive end Bruce Irvin already will miss the first four games of the year after testing positive for performance-enhancing drugs.

It?s unclear whether fines will make teams more careful about acquiring players who carry the red flag of a possible violations.? Former Chiefs G.M. Scott Pioli said on Tuesday?s PFT Live that the league has discussed the possibility of stripping draft picks as an alternative to fines.

That could be the best way to handle the situation.? Team?s view fines as a cost of doing business; losing draft picks impacts competitive interests, and thus are more likely to get the franchise?s attention.

Source: http://profootballtalk.nbcsports.com/2013/05/21/nfl-considers-making-the-pro-bowl-more-like-a-game-show/related/

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Microsoft lands NFL partnerships for Xbox One and the football field

Microsoft lands NFL partnership

Microsoft is clearly determined to sew up some of the best content for the Xbox One: it just revealed a special, multi-year partnership with the NFL. The two are working on an optimized experience that better integrates fantasy football, including score displays, onscreen updates and Skype. They also promise exclusive content, naturally, including a lock on translating many of these experiences to tablets. The partnership will extend to the real arenas, too -- among other technologies, Microsoft will bring Surface tablets to coaches and players to improve their communication and play calling. There aren't many more details so far, but it's evident that Microsoft wants to cater to football fans with a lot more than just its existing ESPN app.

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Source: http://www.engadget.com/2013/05/21/microsoft-lands-nfl-partnership-for-xbox-one/?utm_medium=feed&utm_source=Feed_Classic&utm_campaign=Engadget

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Videos of tornado and close ups of destruction

If you watched the London Olympics last summer, you saw a parade of top athletes touting the nutritional qualities of their favorite eatery: Subway. Watching Apolo Ohno or Robert Griffin III bite into a veggie footlong with avocado or hearing that Subway is ?the official training restaurant of athletes everywhere,? you might get the idea that the food served at the chain isn?t that bad for you?that it?s even?healthy.

Source: http://news.yahoo.com/blogs/lookout/videos-massive-tornado-rips-oklahoma-215949606.html

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Top Libyan official: Benghazi explosion accident

TRIPOLI, Libya (AP) ? Libya's deputy prime minister says an investigation has indicated that a deadly explosion in Benghazi last week was an accident and not an attack.

Awd el-Buraasi told reporters in Tripoli Sunday that military officials do not believe that the blast in a busy area of Benghazi was planned. Three people were killed in the incident.

Benghazi, where Libya's 2011 revolution that ousted Moammar Gadhafi began, has suffered a series of assassinations and attacks on security and diplomatic missions over the past year, including the attack on the U.S. Consulate that killed the ambassador and three others.

El-Buraasi says a special command center has been set up there to oversee security. Notably absent from the operation are militias that provide security in the absence of a strong military or police force.

Source: http://news.yahoo.com/top-libyan-official-benghazi-explosion-accident-204817457.html

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