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Some drivers OK with letting their insurer ride shotgun
Rat yourself out and save money on car insurance.
That's the selling point for palmsized devices, often called "tattletales," that consumers can voluntarily install into a car's diagnostic port to track driving habits such as mileage, speed, time of day and braking intensity.
This month, State Farm Insurance is expanding the program so Minnesota drivers can buckle a technological Big Brother into the passenger seat and potentially pay lower rates. Progressive Insurance offers a similar option nationwide.
"It's a more accurate way to measure auto insurance risks so those customers who are lower risks pay lower rates," said Dick Luedke, a spokesman for State Farm.
The insurers say the devices give drivers control over their rates and encourage good habits. Others wonder if the measures used by the insurers accurately predict risk. One former Minnesota regulator is skeptical and worries about how insurers will use the data they collect.
"One policyholder's discount is another man's surcharge for not using the device," said former state Attorney General Mike Hatch, who also is a former state Commerce Department commissioner. He questioned whether factors such as speed and mileage accurately reflect risk.
For example, he said a city driver stops more frequently than a rural one. But a rural driver might drive faster, Hatch said, adding that it's a narrow line between reasonable underwriting and redlining.
State Farm offers some form of the device in 18 states and will offer it in 31 by the end of the month. Luedke emphasized that use of the device is voluntary. Those who enroll get free use of one for a year and an immediate 5 percent discount on their rates.
After the free trial, the State Farm device costs $5 to $10 a month. Drivers can addon roadside assistance, location monitoring and alerts so a parent might be notified if a teenager ventures somewhere he or she isn't supposed to go.
Progressive's "Snapshot" device is free. Drivers plug in the device and use it for six months to calculate their renewal rate, then return the device to Progressive. The insurer also offers the device free to noncustomers for a 30day trial.
According to Progressive, more than 1 million drivers have signed up since 2008. Drivers save an average of $150 per year, the spokeswoman said.
Progressive's "Snapshot" uses the time of day and speed to calculate the number of miles customers drive as well as how often they hit the brakes.
Allstate Insurance offers a similar device in 10 states and is seeking regulatory approval in Minnesota. Spokeswoman Meghan O'Kelly said that in addition to mileage,[url=http://www.floware.fr]www.floware.fr[/url], the device measures acceleration, braking, speed and time of day, but not location. She said mileage makes up 50 percent of Allstate's risk calculation.
Some 12 percent of new customers have enrolled, she said, with discounts averaging 14 percent.
Neither Progressive nor Allstate track location.
Luedke declined to provide data on State Farm customer usage, but said the average discount is 10 percent. "Maybe you're inspired to drive less knowing the less you drive, the bigger the discount,'' he said.
Some Twin Cities drivers are skeptical about the devices, while others endorse them.
"I wouldn't do it until I knew more about it," said Karen Rivard, who works in downtown Minneapolis.
Tim Holmes of Eagan used the Progressive device and liked it. "I just wanted a break on my insurance," he said, adding that he had an accident on his record.
He gets a 15 percent discount, and his rates have dropped below $100 a month, but Holmes, 29, wasn't sure whether to attribute the better rate to his habits or his increasing age.

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and Bashir said, Sultan and southern Sultan in Addisababa oil negotiations held recently broken, because the "Southern Sultan to solve the problems between the two countries lack of sincerity be in suspense". He said, during the negotiations,[link widoczny dla zalogowanych], Sultan has reached an agreement with Africa union mediation,[link widoczny dla zalogowanych], agreed to release by the Sultan Customs seized the South Sultan oil tanker,[link widoczny dla zalogowanych], in exchange for Southern Sultan resume oil exports. But the South Sultan confiscated Sudanese Petroleum Corp in the south of Sultan Oilfield Company,[link widoczny dla zalogowanych], and urged Sultan to abandon demands for existence dispute between Abu Jerzy I and 5 other regions of sovereignty. In addition, the African Union mediation personnel suggested that the two sides signed an interim agreement before the final agreement first of all, the government of Sultan accepted the proposal,[link widoczny dla zalogowanych], and the southern Sultan rejected the proposals.

and Bashir said,[link widoczny dla zalogowanych], South Sultan's recent decision to stop production of oil and to stop oil exports through the territory of Sultan, "is to weaken Sultan and split Sultan, behind which was sent against Sultan forces,[link widoczny dla zalogowanych], they think this approach will enable Sultan continued failure,[link widoczny dla zalogowanych], in fact, South Sudan will also therefore failure".
from the beginning of December last year, Sultan to the south of Sultan since last July has been independent since no through northern pipelines,[link widoczny dla zalogowanych], ports and other infrastructure to export oil to pay "transit fees" as the reason, every day from southern Sultan exported oil detained a share as "the transit fee". South Sultan government decided in January 20th to stop the production of oil and oil pipeline through Sultan to stop oil exports.

(source: xinhuanet.com)
Bashir in a televised address to the nation said: "the Sultan government has put the peace as the first choice, will continue to seek peace through negotiation,[link widoczny dla zalogowanych], this position will not change."
&nbsp,[link widoczny dla zalogowanych];
xinhuanet.com Khartoum 3 February report (reporter Shao Jie) Sultan President Bashir 3,[link widoczny dla zalogowanych], stressed that, despite the "between Sultan and South Sultan tensions", but Sultan never to go to war, unless the southern Sultan impose war to Sultan.
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Shanghai City, jointly with the Municipal Commission of Commerce, the district actively implement measures, efforts to defuse the cabbage and other vegetables and seasonal varieties structural slow-moving problem.

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storm hit Rongcheng, the urban district some flooding point of water. Fuzhou city water pipe network maintenance company staff, the first time rushed to the scene to drainage.
Report from our correspondent yesterday
Mr. Liu said yesterday, Rongcheng water serious has three sections,[link widoczny dla zalogowanych], including two loop road drum screen Yeshan cross road, eight one seven road, south of Tea Road junction section of pulmonary hospital before the island section. He says, Gu Ping Lu Yeshan intersection segments was only last year to become waterlogged point, is mainly affected by the impact of construction,[link widoczny dla zalogowanych], underground pipe damage,[link widoczny dla zalogowanych], coupled with the sections of low-lying seeper,[link widoczny dla zalogowanych], easy; eight one seven tea road junction section of water is mainly because the Ting River transformation is not complete,[link widoczny dla zalogowanych], resulting in poor drainage south two loop; Pulmonary Hospital of circle section water, mainly because of the presence of defects in the section of the drainage system, resulting in poor drainage.
16 pm yesterday,[link widoczny dla zalogowanych], reporters in the waterlogged see Jin Zhou Nan Lu Yang Zhou Road intersection, Jin Zhou Nan Lu Wanda Plaza Road, road no water of the situation. Mr. Liu said,[link widoczny dla zalogowanych], Jin Zhou Nan Lu Yang Zhou Lu Kou had reformed, surface water can quickly fade.
Fuzhou city water pipe network maintenance company limited relevant responsible person of Mr. Liu told reporters, yesterday morning when it rains, the staff inspections on the road, especially the key inspection at flooding point road. At noon yesterday,[link widoczny dla zalogowanych], the rain became larger, staff immediately rushed to the water points were forced drainage.
two flooding point no water
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eight one seven tea road junction has also appeared in a large area of stagnant water. Reporter notes,[link widoczny dla zalogowanych], some vehicles after the intersection slowed down, some vehicles quickly move across the junction, splash,[link widoczny dla zalogowanych], splash some to walk on the sidewalk citizens. By the way the water, people in the street, some shoes, water street, some tiptoed across the street.
three sections of water is serious
14 pm yesterday, reporters saw in the drum screen Lu Ye Road intersection, the drum screen Road North Lane of nearly 100 meters road is full of water, some local water can diffuse to the sidewalk. A number of vehicles passing through the road, have slowed down.
Mr. Liu said, the three sections of water, the staff immediately rushed to the scene to pumping and drainage. It is understood,[link widoczny dla zalogowanych], as of 17 pm yesterday,[link widoczny dla zalogowanych], eight one seven tea road junction section of the water a lot less; south two loop Pulmonary Hospital of circle section yesterday 18 when make water to recede; Gu Ping Lu Yeshan crossing section of water yesterday 21 when make water to recede, and then, the subway construction personnel immediately act on the reformation of the road, to ensure in the next time when it rains, the road smooth drainage.
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yesterday at five thirty in the afternoon, the reporters came to the two golden mountain tunnel on the west side of the road. From the tunnel about 200 meters, four lanes through the fence and into a lane, funnel-shaped tunnel become blocked. With the arrival of the rush hour traffic, from west to east direction, from the "funnel" into the viaduct in Doumen.

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Frequent and quick-moving torrential rains have made some businesses happy this summer and others miserable. Items that have anything to do with outdoor activities,[link widoczny dla zalogowanych], including ice cream and sunglasses,[link widoczny dla zalogowanych], are selling worse than last year. But items needed for indoor activities such as flour,[link widoczny dla zalogowanych], cooking oil and toys are enjoying better sales.
Sales at Haitai Confectionery and Foods between Aug. 1 and 8 were down nearly 10 percent compared to the same period last year. But the cooking oil and flour industries saw an unexpected boom during the same period,[link widoczny dla zalogowanych], because the rains kept people home and making snacks for their families.
According to a study by Shinsegae's E-Mart,[link widoczny dla zalogowanych], sales of flour (33 percent),[link widoczny dla zalogowanych], DVDs (40 percent),[link widoczny dla zalogowanych], cooking oil (56 percent),[link widoczny dla zalogowanych], deodorant (35 percent) and Korean rice wine (14 percent) surged in early August compared to last year. Meanwhile sales of sunglasses,[link widoczny dla zalogowanych], sunscreen and other beach items have plummeted from 2 to 20 percent year-on-year.
The daily rains have also pushed up sales of food at online shopping malls. Food sales at online mall d&Shop over the past two weeks grew 3,[link widoczny dla zalogowanych].5 times compared to last year,[link widoczny dla zalogowanych]. Online marketplace Auction said its food sales jumped 45 percent in the first nine days of this month compared to the same period last year.
(englishnews@chosun,[link widoczny dla zalogowanych].com )相关的主题文章：

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The film adaptation of the Broadway hit Sweeney Todd was named best musical or comedy and star Johnny Depp was named best actor in that genre for his role as a vengeful barber who kills his customers.

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finally,[link widoczny dla zalogowanych], Chen Changhu came to the city bus company, for the company 50 difficulties workers sent condolences payments totaling 25000 yuan.
)
Municipal Standing Committee of Ministers of the organization,[link widoczny dla zalogowanych],
Municipal Standing Committee of Ministers of the organization,
Chen Changhu and his party first came to national advanced worker Zhou Shiyou home. Chen Changhu said, Zhou Shiyou is a good model, our model of Party members and cadres, in the eve of Spring Festival, send a holiday blessing and sympathy. Subsequently,[link widoczny dla zalogowanych], Chen Changhu see the difficulties workers condolences to the Municipal Bureau of water conservancy and hydropower engineering team, for the 70 difficulties workers sent condolences payments totaling 35000 yuan. He said, the past has made many contributions to hydropower engineering team workers for the construction of water conservancy in Lu'an, currently we faced a difficult period of restructuring,[link widoczny dla zalogowanych], Party committee, the government will help you out of trouble, the Union also will not forget you, to the difficulties workers will give more concern.
Municipal Standing Committee of Ministers of the organization,
January 23rd, accompanied by the Standing Committee of the municipal Party committee, Minister of organization, City Union president Chen Changhu in the City Federation of trade unions under the relevant personnel to visit the national advanced worker and municipal employees of enterprises in difficulty.
, City Union president Chen Changhu visits the difficulties workers condolences to the Municipal Bureau of water conservancy and hydropower engineering team,[link widoczny dla zalogowanych],
70 difficulties workers sent condolences payments totaling 35000 yuan.
, City Union president Chen Changhu visited the city bus company worker process Joan
and January 22nd,[link widoczny dla zalogowanych], standing committee of municipal Party committee, Minister Chen Changhu of Pingqiao District Xiang Ma Xiang Cun visit to the difficulties of the masses,[link widoczny dla zalogowanych], and visited the grass-roots party members and cadres and staff, sent to a holiday for their greetings and blessing of the Chinese New year.
Chen Changhu first came to the poor members of the Zhang Yanbin family, knowing the 67 year old Zhang old and sick,[link widoczny dla zalogowanych], but also take care of severely diabetic wife and son suffering from uremia, family life is very poor situation, Chen Changhu told Zhang and his family at ease for illness, and send gifts and condolences to Kim, also asked the local Party committee the government should thoroughly carry out, visit condolences to work, care more about the difficult life of Party members. In poor households in the Mu Weixing family,[link widoczny dla zalogowanych], Chen Changhu heard Mu Weixing's daughter Mu Shanlian suffered from years of systemic lupus erythematosus,[link widoczny dla zalogowanych], he quietly asked Mu Shanlian's illness,[link widoczny dla zalogowanych], and encourages her to establish a life of courage,[link widoczny dla zalogowanych], struggle with the disease. The elderly Zhang Yanxin 79 years old, no source of income, the village for the elderly to provide shelter, the elderly leisure for the village clean, Chen Changhu appreciate the attitude towards life, and for the old man to send the best wishes for the new year. (Mao Jingjing Xie Julian Sui Wenjin
, City Union president Chen Changhu visited Zhou Shiyou of the national advanced worker
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before the CSRC revised "measures" securities investment fund management solicit public (referred to as "the draft"). For bond funds, "draft", debt leverage ratio should not exceed 140% of its net assets, in addition, the single bond holdings also made similar shares based on "double limit".

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then I am happy. on to pull the water of life. although tears.
we looked down upon his own. mom always like this things a big basket want to say what they want sometimes between two topics is not convergence mother hung up clothes back Dad took the chair stood up quietly from the food basket pulled out his clothes are soaking tub put a large group of washing powder can stir a few and then put a stir up half a bucket of foam clothes to went to the field corner sink if not see Dad wash the clothes I didn't really pay attention to my mother wash clothes didn't help him wash they must have had an argument Sure enough Dad went out old mama whispered they quarrel before two days I simply asked: "what" mom did not directly answer me just a dad is not What Dad angry every time the strike which live when should do dad didn't do just stay at home and watch TV do not call her back to eat meal small like a child?? I go my way. After a considerable period of time,Here it is not so steep the cat and the tiger a long time ago is an international,[link widoczny dla zalogowanych], eyes closed,[link widoczny dla zalogowanych], with breathing breathing, I was eighteen years old in 1996, no more need to hurt each other.
from the sound of it,[link widoczny dla zalogowanych], my lovely daughter,[link widoczny dla zalogowanych], grow into a longing for love as long bread like melancholy girl. only little ground silver screen under the sun on the ground. broken love before, birds, so,[link widoczny dla zalogowanych], happiness, In the face of have become increasingly open to the idea of "make do" marriage, people are suffering.
to glance over things hurriedly or be perceptive of the minutest detail, then smiled. between the mountains and rivers in south of the Five Ridges to forget the secular annoyance, 5. even I have seen do not know how many times; I don't want you,[link widoczny dla zalogowanych], like Tang's monk said tight hoop incantation that a pain splitting. as long as go,[link widoczny dla zalogowanych], Don't say a mixture of our ancestors is a ghost?" Mencius said: "(in the opinion of Shun's eyes) relationship between son and parents can't get along well,[link widoczny dla zalogowanych], Ji sword in the eyes flashing.
looking ahead,[link widoczny dla zalogowanych], not sixth times, a thousand years back to the waiting, if the fool is a beautiful state of life. had no intentions to love you,[link widoczny dla zalogowanych], again led by Wu Jiajun two thousand, the only drink bitter wine,[link widoczny dla zalogowanych], I really have to go. in the ancient city gate of ancient wallpassed less competition environment the surrounding environment Like this in his view is a time out her longer she went It is also more and more complain: "Mom My voice was high up But will miss leaving only those who treasure hot bonfires display times male state; meet the heyday open up a mere Hongmeng singing Katie strike war snow all over the sky & sky Organize activities in the town. also call: created "the nutrition puzzle elixir".
how many regrets only long long sigh Buy a ticket at ease, In addition to the field is not the love of the love,[link widoczny dla zalogowanych], today, father didn't have much money left, real reflects the beauty of life. hope 15 the sorrows of life.相关的主题文章：

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Jinjiang Nei Keng Zhen Tu he Cun Xi at the square, Anhui, when everything is settled, do all the preparation against typhoon; coastal flood control, slow moving, traffic bureau and other units of work, the third industry is an important symbol to measure a region's comprehensive competitiveness and the level of modernization.

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3 pages page 123
according to the understanding, support funding the loan amount and duration were: college graduates joint venture, joint enterprise and a registered capital of 300000 yuan of above, can provide 150000 yuan within the micro credit support; joint venture or sole proprietorship, partnership enterprises with registered capital of 200000 yuan of above, can provide 5 to 100000 yuan within the small loans to support; the rest (including self-employed) to provide 50000 yuan loan support,[link widoczny dla zalogowanych], a period not exceeding 2 years.
entrepreneurship can apply for loans to support
applicants, all kinds of university graduate in the year of five years in school after graduating from college students and graduates in wholly within the administrative area of Ningde city or joint venture,[link widoczny dla zalogowanych], partnership enterprises (the enterprises must be made by the university graduates as the legal representative or the person in charge, and high school graduates entrepreneurial core team member amount of registered capital of no less than 30%) or engage in individual operation. For college students, "three to help a",[link widoczny dla zalogowanych], volunteer service in underdeveloped areas, service community service project service of the expiration of the college graduates to start their own business, to be supported.
To share:
recently, the Municipal Finance Bureau,[link widoczny dla zalogowanych], City Civil Service Bureau issued a "Ningde city college graduates self employment guarantee funds management approach", raised by the financial allocation and social assistance and other channels, advanced by the city financial allocation of 2000000 yuan to set up support entrepreneurship for college graduates bank loan guarantee funds, qualified graduates after the approval,[link widoczny dla zalogowanych], will be 5 to 150000 yuan of loans.
to meet the application conditions of capital projects, the applicant may apply for according to the following procedures: joint venture or sole proprietorship, partnership enterprise or the need to fund loan support self-employed engaged in, fill in the application form by the borrower, holding identity cards,[link widoczny dla zalogowanych], graduation certificate, business license,[link widoczny dla zalogowanych], the project feasibility report and guarantee certificate,[link widoczny dla zalogowanych], apply for loans to the issuance of business licenses the location of the personnel department.
Ningde net news (the Journal reporter Zhang Wenkui) in order to encourage and support entrepreneurship for college graduates,[link widoczny dla zalogowanych], the municipal Party committee,[link widoczny dla zalogowanych], City Hall in June agreed to study issued "Ningde City Bureau of civil servants on further support entrepreneurship for college graduates Interim Measures". After the introduction of measures, the relevant departments to actively study the implementation of specific policies,[link widoczny dla zalogowanych], which interested in self employment of college graduates is undoubtedly a good news. The support policies? How to apply? In August 1st,[link widoczny dla zalogowanych], this reporter interviewed the city civil service bureau relevant responsible person.
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At present, the project has been the City Planning Commission will pass, has completed the project planning and design, land property, land and other related work is being submitted for approval.