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American Honda Motor (AHM) is said to be investing "millions of dollars" in an effort led by a music industry "dream team" to launch a massive youth marketing initiative called "Honda Stage." The "multi-platform" agenda is billed as a "bold shift in brand advertising and experiential marketing" to reach the "youth market."
You can get the details here: http://tinyurl.com/mgjgob6
The goal of the program is to provide one-of-a-kind curated music content live and online through "hundreds of pieces of exclusive online videos, news, interviews and performances" through a dedicated Honda Stage Youtube channel. Run from the marketing side of Honda, the plan is no doubt intended to generate leads to sell Honda cars. What is missing is a delivery platform for Honda Stage content in Honda vehicles.
Honda is intending to make Honda Stage content available via iHeartRadio and the iHeartRadio app, but the company is definitely missing a chance to redefine the entire car radio experience. With the onset of satellite radio (ie. Sirius XM) and IP-based radio (ie. Tunein Radio and Harman's Aha, and Panasonic's Aupeo!) an opportunity has emerged for car companies to brand and customize the radio experience in the car.
Broadcast industry executives such as Steve Goldstein, vice president of Saga Communications, have lamented (Goldstein blog: tinyurl.com/lw9vmyu) their inability to find the traditional radio dial in new app-equipped cars. In some cars (in the U.S.), it is easier to find the iHeartRadio app than it is to find local AM/FM radio stations.
The time has arrived for car makers to take over the content management proposition in the car and create their own branded radio experiences. With Honda Stage, AHM has the opportunity to take that bold step. Instead of offering iHeartRadio, Tunein Radio and Aha, Honda can combine all of these radio experiences into a single Honda-branded solution.
A Honda-branded radio in the car could offer a complete content management solution for news, radio, sports, weather, traffic and music along with a channel for communicating important Honda-related news such as new vehicles, new financing, new service options, new apps or even urgent vehicle recall messages. A partner like Harman's Aha or Panasonic's Aupeo! could help create a customized user experience with self-curating customer facing controls.
With Honda Stage, Honda is tearing a page from the Sirius XM playbook. Sirius XM has been able to build a base of 25M+ subscribers on a combination of unique content, ease of use and subsidized relationships with auto makers. Honda Stage will have its own unique content which it can combine with the content provided by its partners. A Honda-branded radio will allow the company to control the display-based delivery platform in its cars enabling a unique curated experience.
I know why Honda has not taken this bold step. The marketing department operates independently of the engineers actually designing the cars and infotainment systems. Marketing and engineering simply do not coordinate their activities very effectively at Honda or any other car company.
The marketing departments of car companies typically have completely different objectives from the infotainment system design teams. And marketers also often fail to grasp the privacy concerns of drivers relative to the priorities of Website visitors.
While Honda Stage can be expected to deliver some excellent lead generation for Honda dealers via tracking customer visits to Google-owned Youtube.com, it is missing a chance to close the loop with Honda vehicles. The problem, of course, has to do with the fact that Honda will want to create and control an in-car Honda-branded radio experience. Honda will not want Google tapping into its customers' in-vehicle content and advertising consumption and exposure.
According to recent Strategy Analytics research, customers in cars are much less interested in being tracked than they are when online outside the car. For that reason, Honda and other car companies, will want radio partners that protect privacy.
Honda says the Honda Stage program will be promoted on air and online across Clear Channel radio stations and through iHeartRadio and will deliver regular live interviews and in-studio performances on the Honda Stage, broadcast on REVOLT TV, the iOS and Android REVOLT apps and the Honda Stage YouTube Channel.
But Honda is missing a beat if it does not seize this extraordinary opportunity to create an in-vehicle, over-the-top branded radio experience designed to aggregate the existing IP radio experiences in its cars and leverage its unique, sponsored Honda Stage content and other brand-related communications. A Honda-branded radio will allow Honda to redefine and enrich its customer engagement with a value-added, customized and personalized content delivery platform – simplifying the icon-based, app-oriented offering currently delivered via AcuraLink and HondaLink.
And, of course, the same hold true for every other car maker. Chevy Radio? Tesla Radio?
It has become fashionable in the auto industry to promise to protect customer privacy. Volkswagen's Chairman of the Board of Management Martin Winterkorn pledged to do just that in a speech before the CeBIT fair in Hannover, Germany, earlier this year. But he was speaking for the entire industry. Car makers want to be perceived as protecting customer information and the security and privacy of the vehicle ownership experience.
The reality is precisely the opposite of these pledges. Car makers and their owned and franchised dealers routinely mine their customer data for valuable nuggets regarding shopping and buying behavior, vehicle ownership, credit scores, service history and anything else they can access.
The ignition switch recall plaguing GM highlights the twisted priorities of the car makers when it comes to the way they handle customer data vs. the manner in which they handle vehicle data. Customer data is more or less freely accessed and traded but vehicle data is guarded and walled off from even internal access at some car makers – but at GM in particular.
The so-called "Valukas Report," named for report author, Anton Valukas, Chairman of Jenner & Block, a law firm representing GM, notes a culture of don't-ask-don't-tell at GM with regard to vehicle data. (Redacted report: http://tinyurl.com/l4htcq5) But the situation is even worse than these findings suggest. Investigators (and even internal GM users) have struggled over the years and even to this day to pry data out of GM's OnStar division.
Seventeen years after OnStar's founding president, Chet Huber, set the tone for protecting customer data accessed by OnStar, the division continues to guard both customer and vehicle data long past the point at which it is prudent to do so. It is time to recognize that vehicle connectivity is no longer about automatic crash notification.
The connected car has come to be defined by an experience enriched by the visibility of vehicle data to analytics for diagnostics, location awareness, driver behavior and, above all, safety. It is a time for a change in privacy policy and that change can take one of five paths:
Government mandated and centralized data sharing for the purpose of enhancing traffic and transportation data, improving vehicle safety, road use taxation, and mitigating driver distraction, harmful emissions and overall highway congestion.
OEM-enabled customer opt-in scenarios with appropriate transparency and data access along with customer control.
Independent third-party access (ie. Google, Verizon, Apple, Amazon, AT&T, State Farm, Allstate, etc.) for commercial purposes – contextual advertising, connected insurance, e-commerce, etc.
A hybrid of the above scenarios.
Complete data shut down.
There is little doubt that consumers and auto makers would prefer to keep the government out of the connected car business. So let's assume that the most palatable option is #2 – OEM-managed data gathering, interpretation and commercialization.
If OEMs are going to manage all access to vehicle data (aside from EDR data which is always subject to subpoena) then it is time to define the architectures to enable data gathering and identify the types of data that will be gathered. In light of GM's ignition switch recall, auto industry executives in the future will have a difficult time arguing that they did not know about a particular flaw in their vehicles, especially if the flaw was contributing to fatalities.
Connected car technology confers an obligation on auto makers to scrutinize their vehicle data to diagnose and anticipate vehicle failures. Unbeknownst to GM, the company arguably lost its ability to look the other way 17 years ago with the launch of OnStar.
As more car makers follow GM along the path of connectivity, the expectations of consumers will increase along with their willingness to share data. In a recent Strategy Analytics survey of consumer sentiment regarding privacy, respondents universally supported sharing their data if it meant that it would enhance safety.
Car makers that insist on protecting customer privacy – along with vehicle data security – will find themselves on the wrong side of history, if not on the wrong side of an investigation. The moral of the story is clear: Safety trumps privacy in the auto industry.
I just returned from Telematics Update 2014 in Detroit – the leading global event focused on vehicle connectivity – and I came upon a story on thecarconnection.com regarding a recall on the 2013 Lexus GS350. (You can find the details here: http://tinyurl.com/pd5xkd6) These cars are braking unexpectedly and Lexus is encouraging customers to bring their cars in for a fix … when the parts are available. The thought suddenly popped into my head: What would Tesla do?
The reason I suddenly asked myself this question derived from the following sentence in the online story:
"Owners will receive a letter from Lexus when they are ready to recall the vehicles involved."
So, let me get this right, the cars can brake unexpectedly. Owners are being notified of this issue by MAIL and will have to wait for the parts.
The automotive industry needs a new standard for customer service and customer communications as well as a better understanding of what a recall is and means. Given Tesla's recent history of time-warping reactions to vehicle problems and paradigm-shifting customer engagement I think it is fair to say that a good measure of future handling of vehicle failure crises will be to ask: What would Tesla do? (There is a corollary: What would Elon do? – but let's not get too personal about this.)
#1 A recall is by definition an immediate, vehicle safety issue. Under such circumstances, the postal service will not cut it as a means of customer communication – especially in the event of a vehicle with an on-board modem. Lexus vehicles are equipped with a system called SafetyConnect. This system should be used to communicate directly with the customer – and the customer shouldn't have to pay for that service.
#2 The customer has rights and should be made aware of those rights and choices. If the customer is uneasy driving a car with an outstanding recall, the option of a loaner vehicle should be made available. And notification of the potential failure and recall does not release the car maker from responsibility and liability.
Given the recent wave of recalls sweeping the auto industry in the wake of GM's ignition switch failure crisis, the value of an embedded telematics system in a car has been turned on its head. No longer will drivers count on OnStar (or a like system) to save them when a vehicle crashes. The new paradigm will be for car makers to use OnStar-like systems to contact their customers in advance to warn them of a potential vehicle failure.
The good news for the industry is that recall notifications are yet another powerful reason for cars to be connected and for those connections to be always live. Tesla understands this and, for now, is providing an always live connection to its cars at no charge.
So, next time a car maker has a recall, or spontaneous vehicle fire, or unexplained failure, or has a newly discovered and potentially life-threatening flaw, the executives at the helm must ask themselves: What would Tesla do?
Three years after I wrote this blog (Me, OnStar and Irene - http://tinyurl.com/n7sccck), and nine years after Katrina OnStar has notified all current and former subscribers that it will offer its Crisis Assist services to all of its customers for free regardless of their subscription plan in the event of an extreme weather emergency. OnStar actually went futher nine years ago during Katrina but refused to make a public announcement of the offer, in spite of the pleas of state attorneys general (see blog).
Crisis Assist is part of OnStar's premium navigation services. Crisis Assist allows OnStar to provide customers with complimentary hands-free calling minutes to that people can reach loved ones or authorities when communications are down.
The decision by OnStar only partially fulfills the recommendation that I made three years ago, to make OnStar resources more widely available to public authorities and the media during severe weather events. During hurricanes in the U.S., television stations pre-empt their regular broadcasts to bring a steady stream of storm updates to viewers.
During these broadcast periods the networks are desperate for new information and perspectives on the storm and it is my belief that OnStar is in a unique position with a regional view of the event and the emergency response to enhance the public communication. OnStar says the National Oceanic and Atmospheric Administration is predicting a 70 percent chance of eight to 13 named storms occurring during the season, three to six of which could become hurricanes.
The Atlantic hurricane season typically runs from June 1-Nov. 30 and includes coastal regions of the Atlantic Ocean, Gulf of Mexico and Caribbean Sea. OnStar says approximately 1.1 million of its subscribers live within this area. (Strategy Analytics believes there could be twice as many inactive OnStar systems in the area capable of delivering urgent assistance during a crisis if OnStar were to re-activate the service during an emergency as it has in the past.)
The move is an excellent public service for OnStar - though the company may be missing a chance to restore old connections by offering it to customers with expired subscriptions. The decision also touches a nerve in the automobile club community.
During hurricanes, AAA becomes a dominant resource on television broadcasts offering guidance and advice to members and non-members alike. I still believe there is an opportunity for OnStar to play a similar, high profile role.
I mention this automobile club vs. telematics service provider proposition because automobile clubs around the world are increasingly seeing telematics service providers as direct competition. The emergence of smartphones and mobile navigation have put huge pressure on the trip planning value proposition offered by auto clubs and the roadside assistance element of telematics has cut into the auto club towing franchise.
In Europe, auto clubs are maneuvering to insist on the legal right to equal access to vehicle data and customers via eCall and telematics systems. In other words, the auto clubs want open access to emergency communications from connected cars so they can have a shot at related towing and roadside assistance opportunities.
In the U.S., AAA has yet to take the open telematics data access tack, but the organization is under pressure from emergence of smartphones and embedded telematics systems. AAA chapters around the U.S. have pursued varying strategies to connect with customers including the introduction of smartphone apps and aftermarket OBDII devices and even legislation (in California) governing customer privacy.
Meanwhile, OnStar with its 6m+ subscribers and geospatial assets and call centers can perform a huge public service by making its resources available to broadcasters – even if some might perceive the gesture as self-promotion. Is self-promotion wrong if it saves lives?
The OnStar announcement is another important communication and brand statement around safety. It also points out the value of sharing information. Customers overly concerned with privacy may cut themselves off from a lifesaving service.
It is not clear how the auto clubs' demands for open access to urgent vehicle communications will play out in Europe or whether AAA's aftermarket plays will work. But if car makers like GM/OnStar are proactive in sharing data that is of critical importance to the public and emergency responders, the issue will be rendered moot.
Auto insurers are desperately seeking a technology edge, which is why so much attention has been focused on usage-based insurance. Seen by many as a paradigm-shifting silver bullet for insurance underwriting, usage-based insurance has become the conventional wisdom industry mantra for the next big thing.
The only problem with this next big thing in car insurance is that it continues to experience a failure to launch even as pilot programs multiply around the world and existing programs continue to add thousands of users. The key problem facing the industry is that the ranks of new subscribers are coming on board in the thousands, not the hundreds of thousands and certainly not in the millions.
The latest event held to confront this conundrum was Insurance Telematics Europe, held in London just last week. All of the attendees and presenters agreed that there is a huge opportunity in connecting to customers to deliver insurance programs based on vehicle usage, but it seems that no one could agree on the means to achieving a mass market.
One salient point did emerge, however, and that is that consumers seeking the least expensive insurance programs are more likely to find the very cheapest rate in a conventional program than from a usage-based program. This means that consumers are still subsidizing the cost of connectivity for insurance without a demonstrable value proposition.
Nowhere in the world is this issue more pronounced than in the U.K. where 10 auto insurance comparison sites and more than 130 auto insurances compete for the attention of the driving public. And on all those Websites – Confused.com, TescoCompare, MoneySupermarket, ComparetheMarket, GoCompare, USwitch, etc. – the lowest quotes are for conventional insurance offers.
The most recent entrant in the insurance comparison site game in the U.K. is Google (www.google.co.uk/compare/carinsurance) which is planning a Q4 launch in the U.S. Google will join Walmart which just launched an insurance comparison shopping offer in cooperation with AutoInsurance.com.
In addition to car insurance comparison shopping sites, insurers continue to seek alternative sources of data suitable for underwriting:
Cannot consider income, race or religion
May consider occupation, education - but consumer advocates are concerned that these not become "surrogates" prejudicial to protected classes of consumers
Research shows consumers with less education, lower paying jobs getting quoted higher rates
Permissible: zip code, age, driving record, mileage, car make and model, marital status, gender (not in Europe!)
Voting records? – a correlation to more or less claim filing exists
Price optimization based on shopping patterns
This last proposition – price optimization based on shopping patterns – may be a key justification for Google's interest in the market. Google is also no doubt interested in capturing as much of the insurance shopping traffic as possible leveraging its role as an impartial service provider.
Many of the comparison sites in the U.K. are owned or co-owned by insurers directly. So Google separates itself with superior or more transparent privacy protection and advanced analytics intended to better refine the process of quoting insurance which, in the U.K., is a delicate process of in a highly competitive market.
Meanwhile, at the Insurance Telematics event, attendees agreed, based on on-site surveys as well as survey data presented, that consumers of car insurance are looking for a 50-100£ discount before jumping to a UBI offer (for consumers other than young drivers paying thousands of £'s). This is the single greatest barrier to acceptance in the broader market. But speakers at the event chose not to address this.
Most of the speakers at the event focused overwhelmingly on the value of usage-based insurance to the insurance companies. Insurers using so-called "black box" insurance have an advantage in obtaining first notice of loss (FNOL), collecting forensic information on the driver and vehicle performance, and more closely and accurately evaluating driver behavior.
Insurers using black box insurance programs are also in a privileged position for selling value-added services (automatic crash notification, roadside assistance, stolen vehicle tracking and recovery), "stealing" customers from competitors and retaining customers – ie. reducing churn. Insurers already using black box insurance programs believe that adverse selection (ie. the movement of the best drivers with the lowest risk into UBI offerings) will eventually drive the entire market toward connected solutions.
But if consumers have to pay more for connected UBI programs, they are not likely to perceive paying a lower premium as adverse selection. The further challenge to broad acceptance of UBI programs are significant regional differences around the world.
In many European countries, most notably Germany and the U.K., annual premiums are well below $1,000 with exceptions only for younger drivers. The best markets for UBI programs are the U.S., Italy and South Africa or any market where annual rates have hit onerous levels - >$1,000/year.
But even in Italy some of the leading insurers are charging a premium for UBI program participation, rather than offering a discount. There is an irony, here, in that the Monti Decree passed more than two years ago and regulating car insurance was intended to ensure that all car insurers offered a black box usage-based program that was no more expensive than a non-UBI program with the same coverage.
But insurers in Italy, such as Generali, are offering UBI programs as a value-added service. As a result the UBI offer in Italy, as elsewhere, is not the cheapest offer on the block.
This has to change. For UBI to achieve acceptable levels of adoption and scale it must become the cheapest offer in the kit and available to all. The value to the insurer, as noted earlier, is well beyond the perceived or justifiable value to the consumer. Even in the U.S.where car insurance is expensive, UBI programs are mainly offered to new customers while existing customers are told they already have the best rate. UBI is usually only offered to existing customers when they threaten to change carriers.
Progressive Insurance is probably the only company embracing UBI in a brand defining manner with its SnapShot offer in the U.S. Elsewhere in the world, usage-based insurance offerings are capturing much less interest.
But even Progressive has not embraced UBI as an offering for MOST of its customers and the promotion has been inconsistent, with the company trying a range of different messages with varying results. In addition, Progressive has taken the extreme low cost approach to UBI, eschewing the value-added elements of being connected to customers by having SnapShot users send the OBDII module back to Progressive after six months.
The other market leader, Octo Telematics, has also taken a hardware approach, which it has modified and segmented for different audiences since its original launch nearly 10 years go. But even Octo is seeing only tens of thousands of new users every month, not enough to achieve mass market participation.
The Solution
The time has arrived for an existing market participant or new entrant to move its entire business model over to connected, UBI insurance. An opportunity exists for a supplier to shift to an OBDII-for-all approach, slicing through the segmented and fragmented insurance offerings for a monolithic program based entirely on connectivity.
The key to the success of such an offer will be the creation of a community of users connected via portal and mobile app where traffic and weather information can be shared and driving ability can be competitively evaluated. The company offering such a program might also offer vehicle repair and new car shopping services as well as comprehensive service history and cost of vehicle ownership insights.
Essential to the success of such a program will be the OBDII device which will have to be given away or subsidized as well as professionally installed – although DIY installation may be allowed. The objective of such an offering will be to offer value added services on top of the insurance discount and skim off all insurance customers will to opt into an information sharing based value proposition.
This NewBI program offering will be designed to match any non-connected comparable insurance offer with the idea in mind that the value of the data gleaned from and shared with participants will generate additional added value for auto and non-auto-related insurance and non-insurance products and services. More than one research organization has forecast a market of more than 100M UBI subscribers within three years. This is the only feasible roadmap to achieving that level of adoption.
Have incremental gains occurred? Yes. Volvo and Renault announced plans for UBI offers making use of on-board, built-in connectivity. New black box solutions were also on offer from Cambridge Consultants and DrivenLower while smartphone-based offerings were discussed including MyDrive and DriveFactor among many others.
But more bolder steps are necessary to move the market. In the end, the battle is over control of the customer and if insurers fail to capitalize on this market window of opportunity, car makers will slam the window shut and seek to take direct control of the UBI proposition via the embedded modem.
It wasn't supposed to be this way. Ride sharing services like Uber, Lyft and SideCar were supposed to make the process of hailing a cab easier, faster and more transparent – in spite of the objections of regulators and existing taxi and limousine operators. But in China, they may be making it harder (for some) and more expensive (for all).
In the U.S., Uber, Lyft and SideCar are battling their way into the market city by city and airport by airport with varying results (Ridesharing Makes Friends in Some Jurisdictions, Enemies in Others - http://tinyurl.com/luhfs5e). In Europe, Brussels, Paris and Berlin have put roadblocks in the path of these offerings to preserve local taxi driver hegemony.
But in China, taxis are welcoming these services as they are helping to boost fares, although at the expense of the linguistically, technologically or chronologically challenged. Two dominant app-based services have emerged in China, Kuaidi and Didi, thanks to a money burning competitive struggle between Tencent and Alibaba which has contributed to the early exit and failure of 40 competing companies.
Didi is supported in part by Tencent (known for popular QQ and Wechat services) and a total of 100M RMB in venture capital and Kuaidi (with major investor Alibaba) has a similar amount of support. While fighting for shares of the taxi ride market - and paying drivers to participate - they are also vying for control of the mobile payments market.
At the very beginning, the maximum subsidy a taxi driver can get for a single deal is 100RMB, typically the taxi driver can get 10-20RMB for one order and the passenger can get 10RMB for one trip. Now if the passenger use Didi and pays with Wechat, he or she can still get 3RMB and the taxi driver can get 5RMB.
In the end, the battle is ultimately between Wechat and Alipay with taxis and their customers caught in between.
In China, taxi drivers and their customers have rapidly adopted these applications. So, rather than private citizens getting into the taxi driving business, taxi drivers are using the apps to find customers. It is worth noting that in some U.S. metropolitan areas, such as Washington, DC, cab drivers have either fought the ridesharing services, quit driving taxis in order to dive entirely into the ridesharing business, or have chosen to split their time between driving a taxi and privately offering rideshares. And some cab drivers have taken to using apps to find fares in the U.S. and elsewhere.
At the same time, some municipalities, such as New York City, have tried to limit the use of apps to hail cabs – something Paris is also attempting to do. In Beijing, taxi drivers are supposed to only use one of the hailing applications.
But in China, taxi drivers have adopted the apps to find customers and now customers seek out taxi rides by bidding - offering commissions - for their rides. In effect, cab drivers, many of whom are using both Kuaidi and Didi simultaneously, are using these apps to bid up the cost of rides.
This is great news for cab drivers considering that taxis are notoriously inexpensive in China - $30 for an hour-long ride to the airport. But this is a mixed blessing for taxi customers. A colleague and a friend acknowledged during a recent visit to Asia that using the new apps is essentially the only way to catch a cab for which it is assured that a premium fare will be paid.
The services practically guarantee a pick up from anywhere to anywhere, but they also practically guarantee that the passenger will pay a premium. In fact, the apps guarantee that the customer will have to bid for a ride – escalating the amount of the commission in 5RMB increments until a taxi agrees to the fee and the pickup.
Considering that it is often difficult to get a cab ride in some areas of some cities, the availability of the app is a very good thing. The bad news is that the use of an app on a smartphone in the local language means hailing cabs in China has just been made more difficult for any potential customer that either lacks a smartphone or cannot read or write Mandarin – which means the poor, elderly and tourists will have a rough go of it.
It also means cab drivers may be more selective about when they work, focusing their driving around high opportunity hours when they are most likely to obtain high fares.
The problem is being attacked at the city level in China, not unlike the way it is being combatted outside the country. Of course, since it is China, it means every new local rule or restriction brings with it differing degrees of cooperation from the cab drivers.
The net result is that cab drivers will start making a better living in China and foreigners will become more dependent than ever on hotel concierges and local acquaintances to arrange cab rides. Chinese consumers – young and old – that use cabs and lack a smartphone will be compelled to get one. And the first taxi app developer to offer an English language version will gain a significant competitive advantage.
It is an interesting trial run for a very specific taxi hailing app model and one that favors actual cab drivers over ridesharing amateurs. Hopefully the unintended negative consequences will not prove fatal to the broader acceptance of the concept.
This is like one of those chocolate/wine/marijuana (pick one) is good for you stories. It contradicts everything your mother ever told you - but that your dad told you was true.
A senior executive for a usage-based insurance company approached me recently with a quandary. He said his customer data showed that driving behavior improves with mobile phone use. This executive wanted to know if I had seen anything similar elsewhere and he was very hesitant about sharing what he regarded as highly controversial information.
The executive talked about this information as if he were Edward Snowden in possession of NSA secrets and in need of diplomatic immunity and a safe haven. This is no surprise, as the hysteria surrounding distracted driving has led to an almost universal condemnation of the use of mobile phones in cars, even in a hands-free fashion.
The irony to this executive's finding is the fact that properly conducted research into the use of mobile phones during driving has shown driving behavior impacts to be virtually indistinguishable from driving without a mobile phone. In the words of a well-known study co-authored by my colleague, Chris Schreiner, during his time working in human factors at OnStar:
"We conclude that for personal conversations using a hands-free embedded device, the risk of an airbag crash is somewhere in a range from a moderately lower risk to a risk near that of driving without a recent personal conversation."
OnStar's use of personal minutes – wireless hands-free phone calls made via the embedded OnStar module – was the earliest form of hands-free calling. The results of this study – derived from an analysis of 91M hands-free calls from an average of more than 300K drivers per month over a 30 month period and representing 276M driver-minutes – have been borne out by studies such as the Virginia Tech Transport Institute naturalistic driving study and others.
Dozens of contradictory studies, using non-naturalistic methodologies, have fueled the anti-smartphone, driver distraction debate – as have statistics attributing thousands of highway fatalities to the use of smartphones. At issue is the claim that hands-free calling is as distracting as handheld calling. At stake is allowing consumers to use their mobile phones in moving vehicles.
Opponents of any mobile phone use in cars, a large and strident constituency with the ear of regulators, want to see hands-free phone use conflated with handheld use because handheld use has a significantly higher distraction factor. These groups rely on the findings of studies that almost universally focus on workload management analysis requiring un-natural tasks being performed during driving on the road or in a simulator.
These groups also trumpet claims of fatalities attributable to mobile phone use in the range of 1,000-3,000 in the U.S. and many thousands more around the world. Of course, it is difficult to know what kind of mobile phone use is implicated in each of these fatalities, but the numbers alone are enough to impel a call for a smartphone ban in cars.
The U.S. is pushing for individual states to enact laws requiring hands-free technology when making phone calls from mobile phones in cars. This is in line with regulatory activities in Europe and Asia, though enforcement varies widely.
It does make sense to ban the touching of mobile phones while driving – as most European countries have done – but there are those that will not stop until all mobile phone use in the car is restricted, banned or jammed. This would be a mistake, as multiple studies have shown.
The latest steps in the U.S. include the second round of VTTI's study and mobile device UI guidelines from the US DOT. We won't have the results of the second VTTI naturalistic study probably until the beginning of 2015. And the US Department of Transportation's National Highway Traffic Safety Administration guidelines for the use of mobile devices in cars is not expected until the end of 2014.
Researchers do agree that texting and driving is distracting and ought to be banned. But hands-free calling may actually have a prophylactic effect. That is the controversial indication in the data – drivers have fewer accidents when talking on their mobile phones.
This is not to say that mobile phone use while driving is something to be encouraged. It is suggesting, though, that drivers are either deciding on their own to make calls primarily when it is safer to do so, or they are compensating with a higher state of vigilance when talking on the phone.
It is worth noting, in the words of one researcher, "When the driving demands are low, it is actually very difficult to devote all of our attention to the driving task." In other words, a hands-free phone conversation could be acting as a stimulus to an otherwise inattentive driver helping to keep him or her awake and engaged in the otherwise boring driving task.
What precisely is causing drivers using mobile phones to demonstrate improved driving behavior relative to those not using their mobile phones remains unclear. One thing that is clear is that it is a controversial subject likely to continue to fuel debate and study. The important thing is that we continue to regard this as a debate and not a forgone conclusion as some in the driver distraction community would have it.
Maybe it is time to look at how many lives have been saved by smartphones in cars or how many might be saved with smartphones properly configured to alert the driver to contextual cues. Thankfully companies like TeleNav, HERE, INRIX, TomTom, Garmin, and Global Mobile Alert are all working on delivering those smartphone applications.
The European Union has voted to end wireless roaming a move that is guaranteed to deliver a severe jolt of revenue growth for wireless carriers and ease the minds of car companies implementing telematics. The plan, subject to review and set to take effect by Christmas 2015, will fundamentally change consumers' relationships to their wireless carriers in a positive manner.
(According to the EU: Member States will review the regulation and the Commission expects final agreement by the end of 2014. The "Connected Continent" telecoms Regulation was proposed by the Commission in September 2013. It aims to … end roaming charges and guarantee an open Internet by banning blocking and degrading of content, coordinating spectrum licensing for wireless broadband, giving Internet and broadband customers more transparency in their contracts, and making it easier for customers to switch providers.)
Once the decision, if upheld, takes effect it will cause consumers to no longer treat their phones like kryptonite when traveling across or near borders. Usage of mobile phones and mobile Internet will blossom with the passing of the fear factor.
The decision will also wipe away many of the negative connotations associated with carriers. One need look no further than the words of Neelie Kroes, European Commission vice president, in announcing the move:
"This vote is the EU delivering for citizens. This is taking the opportunity to get rid of barriers to make life easier and less expensive. Nearly all of us depend on wireless and Internet connections as part of our daily lives. We should know what we are buying. We should not be ripped off. And we should have the opportunity to change our mind. Companies should have the chance to serve all of us. And this regulation makes it easier for them to do that. It is win-win. This vote puts us one step away from liberating one billion devices and every European. With your support we are going to win this battle."
These are certainly election year sentiments from the EU (with a tinge of Cold War imagery), but Kroes is correct to decry the consumer perception/experience of being "ripped off," in her words. And the "change our mind" comment suggests more changes in EU wireless regulations to come, perhaps along the lines of The Netherlands' "blank SIM" legislation (CNET story: http://tinyurl.com/mrkdesx).
Just as iTunes expanded the market for audio content, rather than undermining it, the liberation of carriers and consumers from roaming charges will present a massive stimulus to the use of wireless networks – including telematics. Tourists and natives alike will welcome and benefit from the change which will also stimulate the wider economy and likely give rise to new business opportunities. Who knows, maybe the turnout for the upcoming EU election will get a boost as well.
Against the depressing tableau of General Motors and National Highway Traffic Safety Administration testimony before a U.S. House of Representatives sub-committee yesterday over the recent ignition switch recall two inspiring developments impacting vehicle design emerged. GM CEO Mary Barra noted to the panel GM's consideration of bringing keyless, push-button start technology across its entire line up, and the Alliance of Automobile Manufacturers separately petitioned NHTSA to relax its requirement for a driver side and rearview mirrors.
The proliferation of push-button start technology will obviously remove the electro-mechanical causal element behind the ignition switch failure in question. If there is a single positive element that can emerge from the entire recall debacle this may be it.No mechanical switch, means no ignition switch failure – at least not a mechanical one.
The AAM request for NHTSA to relax Federal Motor Vehicle Safety Standard #111 is intended to enable car makers to replace the driver-side rearview mirror and the internal rearview mirror with camera-based systems. The AAM request coincided with NHTSA's last-minute decision (in the face of pending legal action) to announce the implementation plan for the rear-visibility mandate.
AAM's statement: http://www.autoalliance.org/index.cfm?objectid=BE3624F0-B8F3-11E3-AB0B000C296BA163
Removing the driver-side mirror has been suggested by the design of Volkswagen's XL1 plug-in diesel hybrid which has opted for cameras over mirrors to reduce drag and weight. Tesla, too, with the Model X, has been pushing for this change and joined the AAM's petition. Neither the XL1 nor the Model X will be street legal in the U.S. under current regulations.
At the Geneva Motor Show in March, Nissan demonstrated a camera-based rearview mirror system turning the in-cabin rearview mirror into a display with a panoramic view to the rear of the car. The GM Authority newsletter has reported that GM "is in the process of securing a trademark for the word 'THRUVIEW.'"
According to GM Authority, the automaker filed an application with the United States Patent and Trademark Office on Jan. 24, 2014 for a "motor vehicle rear view mirror that can also function as a display monitor to provide a panoramic rear view."
On a less heartening note, yesterday's hearing laid bare GM's failure to resolve the ignition switch problem in a timely manner while NHTSA's representative, David Friedman, blamed GM for failing to notify the agency of the problem. Consumer advocacy groups found fault with both GM and NHTSA. Both Barra and Friedman are freshman leaders of their respective organizations contributing to the inchoate feeling to the entire proceedings.
During the hearing members of Congress highlighted inconsistent communication between GM and its dealers and between dealers and consumers. This is another challenge for Barra and GM to resolve. In the midst of Tesla's challenge to the dealer model of selling cars, GM finds itself more dependent on dealers than it has ever been. Perhaps this will lead to a re-evaluation of these relationships.
GM CEO Barra repeatedly referred in her testimony to the "new GM" emerging with her appointment and how the old cost-based culture – under which safety concerns were mitigated by cost issues - had been banished. Let's hope NHTSA sees its own rebirth as a watch dog instead of a lap dog.
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Four steps to moving state sales taxes into the 21st century
Phillip Smith turns his love of riding the water into Louisiana's first full-sized cable wake park on Mills Street.
Are Lafayette smokers ready to quit puffing, at least in the traditional sense, and start vaping up on electronic cigarettes instead? For Swamp Vapor, which opened the doors of its new retail shop on Kaliste Saloom Road two weeks ago, the answer is, "Yes they are."
According to those who know it best, Louisiana's famed oyster industry is in a precarious state.

subset: commoncrawl


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So on Guildox they have a first to 90 board and the an EU player made it to 90 in 293 minutes; how is that possible, that's 4.8 hours. Dungeons no longer give the wild XP; and when you start out you're getting about 122k per quest and about 7-14XP per mob. Travel time around the map while leveling would add up to a couple of hours.
I really don't understand how this is possible with out some type of exploit; not saying there was, but really am curious how this is done.


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Ariat Roofing
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Population age 50-54 913 Male population age 62 and older 2,724 Female population age 15-19 384 Family households with no wife 239 Family households with children under 18 and no husband 267


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Caption Challenge: Rep. Charlie Rangel Blog Home The Onion: New Evidence Proves First Flag Made by Betsy Ross Actually Shirt for Gay Friend
WINNER Caption Challenge: George W. Bush
Submitted by Vendetta!
Tags: Books, Caption Challenge, Games and Challenges, George W. Bush
About Us
Comedy Central's Indecision is the network's digital hub for news, politics and other jokes: we're here, we're everywhere. We're not affiliated with any television show. We're affiliated with ourselves.


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November 27, 2014
The Cal-Neva Lodge on Lake Tahoe's north shore has announced the layoffs of an undisclosed number of employees.
Adrian Glover is a spokesman for the resort's owner, Maram Holdings.
He calls last week's layoffs a normal restructuring due to slower business after the Christmas holiday season.
He declined to comment on how many employees were affected, but
says the resort still has 56 workers.
Former employees estimate the layoffs affected 40 to 45 workers and dispute the reason cited by management for them.
The layoffs come after the Nevada Gaming Control Board reported
north Lake Tahoe casinos showed an overall decrease of four-point-two percent in profits in November 2007 compared with the same month a year ago.
Glover denies statements by former employees that the property is up for sale.
(Copyright 2008 by The Associated Press. All Rights Reserved.)
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Couple Claims Mall Security Kicked Them Out For Wearing Christmas Costumes
NASHVILLE, Tenn. (CBS Charlotte) — Two Nashville-area malls said "bah humbug" to a couple dressed up in Christmas costumes.
David and Bette Carter told WSMV-TV that Opry Mills Mall and the Rivergate Mall kicked them out for dressing up.
"As we were walking through the [Ospry Mills] mall, some young woman who was security there asked us to leave," Bette Carter said.
The Carters said security told them to leave because they were interfering with the mall Santa. The couple states that they were doing nothing wrong.
"Just 'Merry Christmas' and stuff like that. Nothing offensive or anything," David Carter told WSMV.
The Opry Mills Mall general manager apologized to the couple.
"We regret that we did not handle this correctly, knowing that they were just embracing the holiday season as we do," the statement to WSMV read. "As valued shoppers, we hope they will accept our apology and an invitation to return to Opry Mills soon."
Bette Carter declined the invite.
"I will never go back to a mall," she told WSMV.


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Hot answers tagged version
The differences between the original version of Pandemic and the 2013 version are essentially cosmetic. The only significant change is to the Role cards. The 2013 games features 2 new roles, Contingency Planner and Quarantine Specialist, that aren't in the original version. It also has the revised Operations Expert from the original On The Brink expansion. ...
What are the differences between the oldest (EON) version of Cosmic Encounter and the newest (Fantasy Flight)?
Here are most of the major changes (including expansions). (Since a lot of Eon Cosmic fans also played the Mayfair 2nd ed, I've mentioned a it where relevant.) Main gameplay The basic game mechanics are unchanged. Hand size is now 8. Flares are Eon-style, not Mayfair-style (once played they return to the hand, and are only lost when a new hand is ...
I can't speak definitively for all versions, but I can give you some information. "Classic" Stratego is played with 40 pieces per side on a 10x10 board. There was a misprint in an early version that claimed Scouts could not move more than one space and attack in the same turn, so this is sometimes incorrectly cited as a difference between editions. There ...
Save Dr Lucky is similar in some ways, but does play differently. In order to increase the chance of success as the game progresses, the board shrinks one deck at time as the Titanic sinks, which means forces the players closer together. This can be annoying when you are holding on to room cards for a lower deck that has just sunk. It is definitely worth ...
I believe the board art is also different and that's worth mentioning because if you buy the In the lab expansion you will end up with distinct board styles even purchasing the new cards.
What are the differences between the oldest (EON) version of Cosmic Encounter and the newest (Fantasy Flight)?
I was about to answer this, but Tynan's answer is so much better. Several sites have histories of the games and their changes. I only list it here for completeness sake, in case you were wondering about particular changes in card wording, artwork, and alien races available. http://cosmicencounter.daveola.com/Versions/ http://cosmicencounter.wikia.com/
Only top voted, non community-wiki answers of a minimum length are eligible


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India, Nepal, Sri Lanka, and Bhutan
Tibetan Refugees: Since the Dalai Lama fled China in 1959, a continuous flow of Tibetans have left China seeking asylum in Nepal, India, Bhutan and elsewhere, leading to a population of over 120,000 Tibetans currently living in settlements throughout South Asia. Through the Bureau of Population, Refugees, and Migration (PRM), as well as the U.S. Agency for International Development (USAID), the U.S. government provides support to United Nations High Commissioner for Refugees (UNHCR) and non-governmental organizations (NGOs) to carry out humanitarian assistance activities for Tibetan refugees in South Asia. However, the numbers of Tibetans departing China has dropped from 2,156 in 2007 to 171 in 2013. Additionally, the government of China has increased pressure on the government of Nepal to curtail the activities of Tibetans within Nepal. PRM continues to work to ensure that Tibetan asylum seekers are not returned involuntarily to China and to enhance protection for Tibetan refugees resident in Nepal and elsewhere.
Bhutanese Refugees: The U.S. government supports camps in southeastern Nepal that, as of April 2014, host approximately 28,500 Bhutanese refugees. The Bureau of Population, Refugees and Migration of the U.S. Department of State funds UNHCR, the International Organization for Migration (IOM), and NGOs to provide assistance to the Bhutanese. As of April 2014, more than 88,000 Bhutanese refugees from these camps have been resettled to the United States, Australia, Canada, Denmark, Netherlands, New Zealand, Norway, and the United Kingdom since resettlement started in 2007, of which over 75,000 have been resettled to the United States. The United States government and other donors urge the governments of Bhutan and Nepal to resume bilateral discussions so that interested Bhutanese refugees can pursue voluntary repatriation or local integration.
Sri Lankan Refugees and Internally Displaced Persons: Fighting which concluded in May 2009 resulted in the displacement of nearly 300,000 Sri Lankans, in addition to the 300,000 internally displaced persons (IDPs) already in protracted displacement. As of January 2014, approximately 496,584 IDPs have returned to their areas of origin and 5,500 refugee facilitated returns have occurred since the end of the war. Formal camps for these IDPs are now closed. However, as many as 95,000 IDPs still remain, most living with host families while others live in welfare centers or in makeshift transit situations. The U.S. government advocates for needed infrastructure and services so that IDPs can achieve durable solutions and re-establish their lives. The U.S. government, through contributions managed by the Department of State and USAID, provides program funding for Sri Lankans to UNHCR, International Committee of the Red Cross (ICRC), and other international organization and NGO partners.
Through PRM, the U.S. government funds NGO projects to support Sri Lankan refugees in camps in Tamil Nadu, India to provide protection, improve camp conditions, targeting shelter, water and sanitation, livelihoods training, and prevention and response to sexual and gender based violence. Since the end of the conflict, approximately 6,000 refugees have voluntarily returned to Sri Lanka to rebuild their lives, a process supported by the U.S. government through its contributions to UNHCR both in Sri Lank and in India.
The Bureau programmed over $16 million in South Asia in Fiscal Year 2013 to support refugees, returnees, asylum seekers, internally displaced persons, conflict victims, and stateless persons, not including those from Afghanistan and Pakistan.
The Regional Refugee Coordinator and Deputy Regional Refugee Coordinator are based in Kathmandu, Nepal and cover Nepal, India, Sri Lanka, and Bhutan.
The United Nations High Commissioner for Refugees (UNHCR), the International Committee of the Red Cross (ICRC) and the International Organization for Migration (IOM) are all active in the region.
In addition, PRM provides funding to NGOs who work with several other vulnerable populations, including the Tibet Fund, Lutheran World Federation, and local NGOs which provide assistance to Tibetan refugees, and Catholic Relief Services, Salesian Missions, Save the Children, and Adventist Development and Relief Agency, which work to improve the situation of Sri Lankan refugees.


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Top tips for the job-hunting Generation Y
Summary: The job hunt can be tiring -- but how can you make your life easier in the modern world?
4 of 10Image
The Twitter job search
More and more employers are seeking out a job applicant's digital footprint before considering them in a job role. While this cannot be avoided, the generation growing up with technology should clean up their act before entering the workforce.
The case of Paris Brown -- the U.K.'s first youth and crime commissioner -- shows just how an errant tweet several years later can impact on your job prospects. After securing the role, the teenager resigned due to a police investigation taking place concerning allegedly racist tweets sent into the social media world when she was between the ages of 14 - 16.
Several tips to help you are below:
1. Clean it up: If there are any tweets that could cause you problems, delete them. Half a day of work can save you months of heartache later.
2. Make Facebook private: While some members of Generation Y go so far as to change their surnames to avoid employers finding Facebook profiles, by restricting access to posts, photos and timeline events, you can control who sees what. A photo of you on a heavy night out might be fun for friends, but a potential employer may not find the neon paint and vodka so amusing -- especially as you could end up representing their brand.
3. Create a personal and professional brand: To attract a recruiter's attention, create a one-line biography using keywords that are relevant and show you at your best.
4. Tweet about news, not breakfast: No-one cares about the amazing food you had today, but sending out the occasional tweet or two commenting on your industry's news can't hurt. Participate, offer an opinion or two once you've connected to those relevant to you.
5. Follow events and conferences: If you follow events in your industry online, and perhaps manage to attend one or two, who knows who you could bump in to.
See also:
- Just Tweet it: A directory separated by interests.
- Trends Map: Twitter trends across the globe.
- Twitjobsearch
6. Use Twitter 'job search engines': Twitter is full of job postings, aggregated lists and industry-specific opportunities. The social media platform can remove the pain of registering on multiple job agency websites and cuts the time required to scan through lengthy job postings.
Links of interest:
Promote yourself
One thing that social media networks, access to the Internet and mobile technology offers us is the option to be seen.
While careless digital trails can shoot jobseekers in the foot later on in life, you can use the Web to connect with those that offer advice, tips and job opportunities. Staying current on Twitter and Facebook can alert you to job postings, participating in online discussions can get you noticed, and accessing resources can improve your skills and attractiveness as an employee.
If you're interested in the creative industry, starting small and taking on freelance projects can help you with the rent, as well as give you valuable experience to put on your resume. Free courses on Coursera and edX can improve your knowledge in a field, and creating a personal website can give you an edge over your competition.
Links of interest:
- A manifest of the modern workplace
- The Gen Y Workplace Expectations Study
- Why Gen Y workers have no idea what their managers expect from them
- Winning the generation game
- 4 tips to overcome the Gen Y job hurdle
Image credit: University of San Francisco School of Management
A creative resume
Printed T-shirts, skydiving, tweaking company CEO search results to promote your name -- the creative ways used to snag an employer's attention can reach extreme levels.
However, you don't need to stalk an employer for the chance to put yourself forward. A stand-out resume can do the trick. While Victor Petit used QR codes to link to a video that showed off his creative skills, slightly more subdued methods to stand out also work.
When trawling for candidates, the typical buzzwords are usually seen hundreds of times -- 'works well as part of a team,' 'enthusiastic,' 'able to work on my own initiative' -- and while some firms expect to see these phrases, adding something about you as a person can make you memorable. (Someone I know, who used these types of words, was given a high-profile job purely because the interviewer was curious about their time spent working as an elf.)
Spell check your resume, use clear fonts, and don't go over two pages. Remember, these people are human -- and so what would you like to see from a candidate?
Links of interest:
- Recent grads creatively optimize their resumes
- How to land your dream job: Nine inventive ways
- 44 Resume writing tips
- 45 creative resumes to seize attention
- Résumé Tips for Designers
Image credit: Victor Petit
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Some initial impressions on President Obama's immigration plan:
1. We have become so cynical that the talking heads, especially, can't imagine a leader doing something mostly for the decency of it. Yet this is likely Mr. Obama's prime motivation. Whites make up 75 percent of the electorate and anti-"amnesty" Anglos vote while too many potentially Democratic Hispanics don't. So it's a political loser.
2. Despite similar precedents set by Reagan and George H.W. Bush, the Republicans will try to impeach Obama or otherwise act out. They can't stop themselves.
I moderated a panel of eminent China experts last night. One of the consistent themes is how our dysfunctional government sends the message to Beijing to not take us seriously, or to make a dangerous miscalculation.
3. Mr. Obama's limited overhaul doesn't address the core problems: Our appetite for cheap labor; the way trade agreements disrupted traditional economies and drew workers el norte; bad governance in Mexico and much of central America, and the fact that too many American employers and even average Americans are satisfied with the status quo.


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November 25, 2014
ROCKFORD (WIFR) -- Rockford Police are cracking down on prostitution in the Forrest City.
On August 12, police targeted areas in Rockford were complaints of prostitution and street crimes have been reported. Undercover officers were able to target people involved in street level sex crimes.
Seven women were arrested and now face criminal charges:
Arbella Young, 49, Soliciting a Ride on the Roadway.
Cecelia A. Stroud, 47, Prostitution.
Regina M. Ganaway, 40, Soliciting a Ride on the Roadway.
Natalie A. Billo, 20, Prostitution.
Tina M. Hursh, 43, Felony Prostitution and Battery.
Kesha St. Junious, 32, Felony Prostitution.
Lakeesha L. Mosley, 33, Felony Prostitution.
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Last dates to order in time for holiday delivery.
Last dates to order in time for delivery by December 24.
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If you purchase eligible products by Friday, December 20 (includes all in-stock products available for shipment from store.sony.com except for (1) TVs 55" and larger, (2) configure-to-order VAIO PCs, and (3) movies and games, and FedEx does not attempt delivery on or before December 24, we will automatically e-mail you an eCoupon by January 10, 2014 good for $20 off any future eligible purchase from store.sony.com until March 31, 2014 (excludes products listed at www.sony.com/discounts).


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Hepatitis C Antibody Non Reactive
Here's a taste of what TheBody.com has to offer on this topic:
Ask the Experts
How to cure HepatitisC1a ?I am 67 and contactedHepC when I was 62 out of a hospital stay. I am in a small catagories, tht I feel Hep C 24 hrs a day 7 days a week. I am constantly neausea,tired, achy and have to sleep. I have an extremely sensitive system and this is why I...
Response from Lynn E. Taylor, M.D., F.A.C.P.
Brown UniversityYou may be a very good candidate for newer hepatitis C treatments that do not involve interferon. I would try to get other opinions about getting your hepatitis C evaluated and treated with the goal of cure. Sixty-four years of age is a fine time to... Read more »
pls help me to asses my stis resultsi have tested for hiv, hepatitis -b,heptitis-c,vdrl once again after 31 weeks of having risk... Read more »
transmitting hepcat what stage hepatitisc is transmittedis hepatitisc positive with negative pcr can marry a woman... Read more »
Poor Blood Sugar Control and Overall Care in People With Diabetes and HIVOne third of people with HIV and diabetes in a NewYork City university medical center had poor controlof blood sugar, and low proportions met guidelines forblood pressure, cholesterol, and triglycerides. 1 In addition,physicians tested few of... Read more »
Glossaryanaemia: very low red blood cell count. albumin: a protein made by the liver. It carries drugs,hormones and waste products through the blood andmaintains fluid levels within the body. An abnormally lowlevel of albumin is a sign of serious... Read more »
Newly Diagnosed With Hepatitis CNewly diagnosed with both HIV and hepatitis C at the same time Are people around me now at risk? Can I pass on hepatits C through sex? Can you catch another type of hepatitis C or HIV? About hepatitis viruses Hepatitis A and... Read more »
Natural History of Hepatitis CAcute infection (0-6 months) Chronic infection (6+ months) End stage liver disease Factors that accelerate hepatitis C progression Hepatitis C and your liver What does your liver do? How does hepatitis C damage your liver? ... Read more »
Connect With Others
final suggestion and comments on my hiv ans stis status
Posted by chandyramFINALLY i have tested for hiv, hepatitis -b,heptitis-c,vdrl once again after 31 weeks.by godsgrace every thing came negative, the following are the the tested results
1) hepatitis -c : result : negative
2)hepatitis b surface antigen
australia antigen
ob... Read more »
Symptoms Still Present after 6 months.....
Posted by Anonymous, 4 RepliesHi,
I've been visiting this site as well as others in search of information regarding "delayed seroconversion". I have had a negative antibody test at 3 months, 4.5 months and 6 months. I would have put this behind be a long time ago, but I still... Read more »
Guides for People With HIV


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This update to our existing PHP Refcard was authored by Bradley Holt, a co-organizer of the Vermont Code Camp and the Northeast PHP Conference. In this card, he covers many important aspects of the simple, yet powerful, scripting language that is used to power many popular websites, including TechCrunch and Vimeo.
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Nov 26 2012 / 07:59


text: Friends Family Fun View full-size image < previous next > Is this photo a winner? "Four years ago we lost a great friend. mother daughter and sister to breast cancer. She left behind a son that needs our help getting through college. For the past four years we have held a walk in her memory to raise money for his education fund. Each year we are so proud of our supporters and our group gets bigger and bigger. WE LOVE YOU PAMMY JEAN!!!" - Pammy Jean (Aug 16, 2010) Share this photo on: Twitter Facebook Pinterest Similar Photos: breast cancer walk | walk | family | friends | fundraiser | charity | participant teams | education fund Feeling inspired? Visit the CustomInk Design Lab to start your own group order. Design Your Own comment by Gina - Aug 16, 2010 - back to the top We are currently experiencing some difficulties with the voting system (ink drop scores) and are in the process of fixing this – in the meantime, please have your friends and family post a comment to show their support. Sorry for any inconvenience, and thanks for your patience. comment by Guest - Aug 18, 2010 - back to the top not only is it a great memory with friends and family its a fun time and lots of community support. miss you pam comment by Guest - Aug 18, 2010 - back to the top I am so greatful that my Mom knew so many people and that so many care about her to this day even though she isn't here with us. I hope this walk continues on in her memory for years to come. comment by Guest - Aug 18, 2010 - back to the top great time....great friends.....great memories!!!!! comment by Guest - Aug 18, 2010 - back to the top The success of this walk year after year just shows what a wonderful Mom, daughter,sister, friend and cousin Pam was to all who knew her. We miss you Pammy Jean. Lets keep this one going for many years to come. See everyone next year. Cant wait to see what our shirts look like next year. comment by Guest - Aug 19, 2010 - back to the top The out pouring of love and support that has been put forth by friends and family for the past four years has been awesome. Thanks for keeping my daughters memory and dreams alive, looking forward to many more walks. comment by Guest - May 01, 2012 - back to the top Aug27 They had one of these at a Taco Bell in Huntington Beach about 15 years ago, without all the rbmemeer me settings. I thought it was cool, but it did frustrate a lot of people who don't embrace technology the way our generation does.Walmart, Target and some grocery stores offer both options (Fresh and Easy forces DIY), which I believe all stores and restaurants should have until nobody is choosing the lane with an attendant. Just my opinion anyway. Great post Aaron!


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Carey greets her public at the Sundance Film Festival. Plus: Selena Gomez, Kate Hudson, Lindsay Lohan and more
Credit: Brian To/FilmMagic
Published: Friday Jan 16, 2009 | 05:05 PM EST
More from PEOPLE
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Selena Gomez cuddles with a furry friend Thursday at the Los Angeles premiere of Hotel for Dogs. At the screening, the Wizards of Waverly Place star – who's been linked to Nick Jonas – hinted that she's single. "I've been shunned and I've been doing the dating game, and it's my turn now," she told PEOPLE.
Copyright © 2014 Time Inc. All rights reserved. Reproduction in whole or in part without permission is prohibited.


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Photos and Description of this 1 bedroom holiday apartment in La Garde Freinet - Les Residences
One bedroom apartment with pool, gardens, tennis and secure parking
Located in the medieval village of La Garde Freinet, Les Residences was originally a cork factory when that industry was so important in this part of Provence. The building has been converted into a small number of exclusive private apartments and combines its charm with all the modern needs for a relaxed holiday. The comfortably furnished apartment is ideal for a couple but can sleep up to 4. Not suitable for children under 5yrs of age. There is a fully fitted kitchen, a lounge area, double bedroom and a contemporary bathroom.
Outside there are large grounds with mature gardens in which to relax. A large swimming pool and tennis court is surrounded by lawns, a fruit orchard and a BBQ area. There is secure gated parking on site.
No pets.
- Suitability:
- Long-term Renters Welcome
- children welcome
- non smoking only
- pets not allowed
- not suitable for elderly or infirm
- wheelchair inaccessible
Guestbook comments from the owner
"We stayed in the apartment at the end of September 2012. Les Residences is set in a charming French village high above the French Riviera. The apartment block is set in beautiful grounds with a swimming pool and tennis court available for the use of guests, and a secure car park. In the summer it is easy to see how you could remain happily in the grounds all day enjoying the pool and gardens. The apartment itself is cosy and comfortable with a kitchen - dining area and living area, and a bedroom and bathroom upstairs on the mezzanine. The owner goes to great lengths to ensure a positive experience supplying a range of CD's, DVD's, books and sports equipment to make guests' stay as pleasant as possible. We would happily return in future to explore the areas we did not have time to visit and to make more use of the facilities and the excellent local cycling and mountain biking opportunities."


text:
Police: 'Superman' punched after angering driverNovember 1, 2013 @ 6:29 am
AMHERST, Mass. (AP) - It took a lot less than Kryptonite to fell this Man of Steel.
Police in Massachusetts tell the Daily Hampshire Gazette ( http://bit.ly/1ctDRz8) that a man dressed in a Superman costume was treated for a head injury after being punched in the face late Wednesday night, apparently when he refused to get out of the way of a motorist trying to enter the driveway of a home.
Amherst Detective Richard MacLean says witnesses told investigators that Superman, who was not identified but said to be of college age, had been trying to stir up trouble in the area.
Police say the man was knocked to the sidewalk by the punch. He was taken to a hospital for treatment of non-life-threatening injuries.
The encounter remains under investigation.
Information from: Daily Hampshire Gazette (Northampton, Mass.), http://www.gazettenet.com
(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)
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Where to Stay
Costa Rica's finest lodging options are spread out across the country, each offering a distinctive perspective of one of the most bio-diverse places in the world. Even from your hotel in the capital city of San José, you can visit waterfalls, volcanoes and visit some of the Pacific coast's legendary beaches within a day's trip. Some remote hotels offer so much to see and do within the grounds that many guests find it difficult to leave.
Make reservations, and inquire about green season discounts, which vary from region to region.


text:
Sir Alex Ferguson has confirmed Ole Gunnar Solskjaer will return to Norway to take up the managerial post at one of his old clubs, Molde FK.
Speculation about the former striker's future has been rife over the past week. Sir Alex said on Tuesday: "Ole's accepted the position in Molde and he leaves with our best wishes. He's been a fantastic servant, and he's contributed to the development of our young players.
"I think that his career as an outstanding professional footballer gave him a foundation to get into coaching. He's had a great introduction with our reserves and this is the right time for Ole to take up his first managerial position. Ole will do well at Molde FK and we wish him all the best for the future."
Ole is quoted on Molde FK's official website: "This is a dream job. I discussed my future career with Sir Alex Ferguson and he advised me to choose a club where there are people that you would like to work with. The choice was therefore easy. After 14 years in Manchester, I look forward to coming home to Molde."
Solskjaer, who scored 126 goals during his 11 seasons as a player at Old Trafford, was forced to retire in 2007 after a long struggle with a knee injury. He then moved into a coaching role, initially working with the club's strikers before taking the reigns of the reserve team (with assistance from Warren Joyce) in summer 2008.
In that role, Solskjaer has won the Premier Reserves League North title, the Premier Reserves League play-off and both the Lancashire and Manchester Senior Cups.
Now, though, he is eyeing success at first-team level, at the club where he spent two years as a player before joining United.


text:
India Post Office Recruitment 2014 Application Form
India Post Office Recruitment 2014
- Indian postal department has publicized a notification about India Post Office Recruitment 2014 to fill 8243 vacancies of Postal Assistant and Sorting Assistant Posts.
- Aspirants should grab the opportunity to get employment in postal department and fill application form from official website. Candidates can see the criteria for eligibility, selection and applying below on this page and if you like the details you can vote for us from bottom right of this page of portalforjobs.com
Name of the organization:
India Post Office
Name of the post:
· Postal Assistant
· Sorting Assistant
· PA (Savings Bank Control organization)
· PA (Foreign Post Organization)
· PA (Returned Letter Offices)
· PA (Mail Motor Services)
· PA (Circle and Regional Offices)
Number of vacancies:
Date to remember:
Last date for online registration
27-03- 2014
Essential qualification:
- Candidates should possess 10th/12th with English from recognized board.
- Candidate should have studied in their local language of state or in Hindi till matriculation.
Application fees:
- Applicants should have to pay Rs 100/- at the time of registration and submit Challan at the nearest e-payment post office.
- Examination fees of Rs 400/- should be paid by candidates.
- SC/ST/ handicap/Women are exempted from payment of Examination Fee.
How to apply?
- Visit the website www.pasadrexam2014.in
- Go to official notification and select an appropriate link.
- A page will open for online application with details about vacancy.
- Read the details carefully and then go to apply.
- Form will show on your screen.
- Fill the details correctly and upload soft copies of passport size photo and signature and then submit it.
- Pay the online application fees.
- Take a print out of it for further reference.
Age limit:
- Age limit of applicants should be 18 to 27 years as on the closing date of online applications.
- Relaxation in upper age limit for the candidates of SC/ST/OBC/physically Handicap/Ex-Serviceman as per Govt. of India.
Scale of pay:
Candidates will get Rs. 5200-20200 with a Grade pay of Rs. 2400
Selection process:
Shortlisted candidates will be called for written examination
Important date:
Last date for online registration: 27-03-2014
India Post Office Recruitment 2014
India Post Office Recruitment 2014
- India Post Office has issued an advertisement about India Post Office Recruitment 2014 for various job vacancies and invitesapplication form from eligible candidates.
- India post office conducts exams for appointments in the state and gives opportunity to contestants for employment on their skill basis and gets the best position according to their ranking. Contestants must check the eligibility criteria before applying for job and other details below on this page.
- Candidates applicable for job can apply for the job online on the official website and for other information about more vacancies you can visit portalforjobs.com
Name of the organization:
India Post Office
Type of announcement:
India Post Office Recruitment 2014
Name of the Vacancy:
Multi tasking staff
Dates to remember:
Last date for Application Formsubmission
Eligibility Criteria:
Essential qualification:
Contestants must have completed the minimum standard of Matriculation for applying.
Age limit of candidates should be 18-27 years (by last date for receipt ofapplication form)
Relaxation will be given to sc/st by state government.
How to apply?
- Job hunters have to download application form Indian Post official website that is indiapost.gov.in
- Fill the application form correct details and submit the form along with all required documents through Speed Post only to the address given in official notification.
Vacancy details:
Name of the post
No of seats
SPO, Bastar Division
SPO, Bilaspur Division
SSPO, Raipur Division
SRM (Railway Mail Service), Raipur Division
Pay band:
Rs.5200-Rs.20200 and a grade Pay of Rs.1800
Application fees:
- Job Hunters must deposit Rs.100 in Unclassified Receipts in any Post Office under (ACG – 76) and purchase the application form.
- Applicants have to deposit Rs.400 as examination fees in any Post Office under (ACG – 76) and submit Original receipt along with application.
- Those candidates who download the format of application Online, they have to pay the fees through the form of ACG-76 (Rs.400 + Rs.100) at any post office and attach that with their application.
Selection process:
Selection for job will be done through written exam.
Important dates:
Last date for registration: 18 March 2014
Download full notification for Post Office Recruitment 2014
official site www.indiapost.gov.in/recruitment.aspx


text:
About this recipe:
Not quite rum balls and not quite chocolate crackles, these chewy date delights have an underlying rice crunch. Quick and easy to make, they'll satisfy young and old.
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text: Really cheap for stockholm and you get what you pay for. There's cooked food (since you're not allowed to serve alcohol otherwise) but that is not reason to go. Great place to do what we in swedish call "föra", drinking at a cheap place before goint to the real club. Or just get hammered for a great price.


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User-profile systems and methods for imaging devices and imaging devices incorporating same
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Mineral Oils in Mumbai
- Business Type
- Manufacturer
- Exporter
- Star Supplier
- White Mineral Oil - Light
Introduction: These are highly purified mixture of liquid saturated hydrocarbons, obtained from petroleum and are highly paraffinic in nature. These oils conform to british pharmacopoeia, bp/ 2002/ b. P. 2005 smore...
Unicorn Petroleum Industries Private LimitedUnit No. 1. Riddhi Siddhi, Corporate Park V.N. Purav Marg(Sion Trombay Road), Chembur ,
Mumbai - 400071, Maharashtrawww.unijell.com8447497542
- Star Supplier
- Light Mineral Oil
We offer a wide range of Light Mineral Oil to our valued clients. These offered products make an ideal blending base for various industrial application. Procured from trusted manufacturer in the market known asmore...
KK India Petroleum Specialities Pvt. Ltd.No. 706, Palm Spring Center, Link Road, Malad West ,
Mumbai - 400064, Maharashtrawww.kkindia.co.in8586972964
- Star Supplier
- Heavy Liquid Paraffin Oil
We provide a comprehensive range of heavy liquid paraffin oil which is also known as white mineral oil and liquid petroleum. It is a purified mixture of liquid hydrocarbons that are obtained from petroleum. Themore...No. 386/88, Narsi Natha Street, Masjid West ,
Mumbai - 400009, Maharashtrawww.indiamart.com/asianoil9953359680
- Star Supplier
- Sorbitol Oil
Our organization offers quality assured Sorbitol Oil, which is a widely used artificial sweetener. This finds application in many baked goods, baking mixes and a variety of candies. Sorbitol Oil is white and odmore...Shop No. 8, Vikas Tower, Vithalwadi Station Road, Powai Chowk, Ulhasnagar,
Thane - 400601, Maharashtrawww.indiamart.com/nirmalagencies8447568918
- Star Supplier
- Mineral Oil USP
Having a reputed name in the global market, we offer tasteless Mineral Oil USP . Prepared from high grade ingredients, it is ideally used in pharmaceutical and food industries for specific purposes. Available imore...
Cameo Health Care (India) Pvt. Ltd.Office No. 02, Ganpat Bhuvan, Anand Bharati Road, Chendani ,
Thane - 400603, Maharashtrawww.indiamart.com/cameohealthcare9643007056
- Star Supplier
- D.P. Turpentine
Turpentine is a fluid obtained by the distillation of resin obtained from trees, mainly pine trees. It is composed of terpenes, mainly the monoterpenes alpha-pinene and beta-pinene. It is sometimes known colloqmore...
Arrow Chemicals CompanyNo. 404, 1- A, Dheeraj Enclave, Opposite Bhor, Borivali East ,
Mumbai - 400066, Maharashtrawww.indiamart.com/arrow-chemicals-co8043041912
- Star Supplier
Duck LaboratoriesNo. 81 -A, Peerbhoi Mansion, S.G. Marg Princess Street,
Mumbai - 400002, Maharashtrawww.indiamart.com/ducklaboratories8045315613
- Star Supplier
- White Oil
Conceding to the demands of our esteemed clients, we come with supreme quality White Oil that is processed using optimum ingredients, sourced from the prudent vendors. Known for its superior oxidation resistancmore...
Unisynth Oil Refinery India LimitedNo. 106 & 107, Advent Atria, Opposite Kingston Tower, Chincholi Bunder Road Malad West,
Mumbai - 400064, Maharashtrawww.indiamart.com/unisynth-oil-refinery9582520275
- Star Supplier
- White Mineral Oil
Silvol White Oils are highly refined mineral oils with different viscosity ranges. The oils are colourless, odourless and tasteless and find wide applications in the manufacturing of petroleum jelly, protectivemore...
Silvol IndiaA- Wing, 1st Floor, Cypress Building, Hiranandani Gardens, Powai ,
Mumbai - 400076, Maharashtrawww.indiamart.com/silvol-india9920633498
- Star Supplier
- White Mineral Oil
It is a purified mixture of Liquid Saturated Hydrocarbons, obtained from Petroleum & are highly paraffinic in nature. It is Transparent, Col more...
Eastern Petroleum Private LimitedUnit No.1, Riddhi Siddhi, Corporate Park V.N.Purav Marg,Sion Trombay Road Chembur,
Mumbai - 400071, Maharashtrawww.indiamart.com/easternpetroleum22-25299990
- Star Supplier
- Turpentine Oil BP
Clients can avail from us high quality Turpentine Oil BP. It is mainly used as an additive in cleaning and sanitary products due to its antiseptic properties and its "clean odor". Furthermore, it is also usmore...
Amar Products, ThaneHari Om Niwas, Block A/27/157, Near Post Office, Ulhasnagar ,
Thane - 421001, Maharashtrawww.indiamart.com/amarproducts9371551488
- Leading Supplier
- Mineral Oil
A mineral oil is any of various colorless, odorless, light mixtures of alkanes in the C15 to C40 range from a non-vegetable (mineral) source, particularly a distillate of petroleum.
Triveni Aromatics And Perfumery Private LimitedNo. 134, Pancharatna Char Rasta, G. I. D. C. ,
Vapi - 386195, Gujaratwww.trivenichemicals.com8376808198
- Leading Supplier
AtlasNo. 55, K.J. Buliding, 34/A Khadak Street, Near Snow White Hotel, Masjid Bunder (W),,
Mumbai - 400009, Maharashtrawww.indiamart.com/atlasmumbai9821153542
- Leading Supplier
- Active Mineral Oil Based Defoamer
00% Active Mineral Oil Based Defoamer is Silicon Free defoamer that is based on Hydrocarbon solvent and is ideally suitable for chemical process in various industries. The defoamer is not only capable of destromore...
Harmony Additive Private LimitedHarmony House, Plot No. 77/77, RSC -9 Opposite Society No. 56, Gorai - 1, Borivali West,
Mumbai - 400092, Maharashtrawww.indiamart.com/harmony-additive8447501095
- Leading Supplier
- Oil Decolourising and Refining
ICMC attapulgite is used for the decolourising, stabilizing, neutralising, clarifying and decolourising sizes of solvents, mineral oils, fats and waxes. For these purposes both percolationand contact methods armore...
Indian Clay & Mineral CompanyTara Baug, No. 105, Seth Motisha Lane, Mazagaon ,
Mumbai - 400010, Maharashtrawww.indiamart.com/indian-claymineral-company22-23778757
- Leading Supplier
WaxindiaNo. 4, 4th Floor, 129/131, Hafizian Building, Kazi Sayed Street Masjid West,
Mumbai - 400003, Maharashtrawww.indiamart.com/company/4069088080767532
- Leading Supplier
- Gulf Merit
Gulf Merit series are premium quality oils specially developed for the lubrication of pneumatically operated rock drills and other air operated percussion tools. These oils are blended from high quality mineralmore...
Gulf OilIN Center, 49/50, M.I.D.C, 12th Road, Marol, Andheri East ,
Mumbai - 400093, Maharashtrawww.indiamart.com/company/38720309930807473
- Oils
A colloidal dispersion of highest purity Graphite in high grade lubricating mineral oil blended with anticorrosive E.P. Additive. It can be used as an additive to oils and greases and can be blended with other more...
Jetex Industries101, Malwa Building, Patanwala Industrial Estate, L.B.S. Marg, Ghatkopar (W).,
Mumbai - 400086, Maharashtrawww.indiamart.com/jetex-industries22-25000642
- Petron Stm Mineral Oil
Petron Civil Engineering Private LimitedAmbe Road Swastik 6th Floor, Sion Trimby ,
Mumbai - 400071, Maharashtrawww.indiamart.com/petron-civilengineering9310566018
- Sulpho-Chlorinated Fatty Mineral Oils
A wide range of sulpho-chiorinated-fatty-mineral oils to cater to a vamore...
Tribology Consultants Private LimitedNo. 408, Anant Deep Chambers No. 273-277, Narshi Natha Street, Masjid West,
Mumbai - 400009, Maharashtrawww.indiamart.com/tribology-consultants22-23730686
Lawas Lube- SpecialitiesPlot No. 93- A- 10, Sai Siddhi Co- Operative Housing Society Limited, S V P Nagar, Andheri West,
Mumbai - 400053, Maharashtrawww.indiamart.com/company/36971079967380575
- Mineral Oil USP
White Oil from Calumet Penreco
Connell Bros. Co. India Private LimitedFort ,
Mumbai - 400001, Maharashtrawww.indiamart.com/connell-bros8042967834
Kimiatech India Private LimitedNo. 106-A, Sai Prasad Complex, Khar West ,
Mumbai - 400052, Maharashtrawww.indiamart.com/company/16806349820515151
Venkateshwara ChemicalsUnir No. 20, 1st Floor, Brijwasi Industrial Estae, Sonawala Road, Jogeshwari East ,
Mumbai - 400 060, Maharashtrawww.indiamart.com/company/325111022-26860805
Kotak LubricantsSai Darshan Complex, A- Wing, Flat No. 501, Mamlatdar Road, No. 1, Malad West ,
Mumbai - 400 064, Maharashtrawww.indiamart.com/company/42337209594204204
Gandhar Oil Refinery India Limited10 Floor, OFF 1011, Unique Towers, S.V. Road, Near Poonam Heights, Goregaon (W),
Mumbai - 400 104, Maharashtrawww.indiamart.com/gandharoil8041949212
Plus LubricantsKalina ,
Mumbai - 400098, Maharashtrawww.indiamart.com/plus-lubricants9820200720
Khanna LubricantsNo. 1-2-3/137, Shop No. 1-2-3, Gadarian Purwa ,
Mumbai - 208 012, Maharashtrawww.indiamart.com/company/45505929305422218
Malhar Trading CorporationNo. 97, D- 35, RK Building, Cotton Green West ,
Mumbai - 400033, Maharashtrawww.indiamart.com/malhar-trading9172856569
Venkateshwara PetrochemicalsNear Oswal Petrochemicals, Shankar Deol, Mahul Road, Chembur ,
Mumbai - 400071, Maharashtrawww.indiamart.com/company/776220622-25540174


text:
Excellent job! We can't wait to get more of our yard done. Thank you.
Shari Herndon
Overseeding Cool Season Turf
Over a period of time there is a need to overseed existing fescue lawns to keep them thick and lush. Unlike other grasses, fescue does not spread by rhizomes or the root system and must be overseeded to keep it from becoming thin and clumpy. The need to overseed can be brought on by several factors, weed infestations, summer diseases like brown patch and dollar spot, insect damage and drought are the most common causes for turf areas to thin and require overseeding.
For the best results when overseeding, the first step is to mow the area to an approximate height of two inches. Once that is completed, it is best to "break the soil surface" which is accomplished through mechanical means with either a verticut or aerating machine. Simply spreading the seed over an area without first preparing the area will lead to reduced germination and limited success of the overseeding. By breaking the soil first, this allows for good seed to soil contact, thus increasing the germination success. The preferred method when performing an overseeding would be to verticut. Verticutting loosens the soil surface by cutting grooves with a series of knives where the process of aeration, which would be the second option, pulls a soil plug out of the ground and does not prep the soil surface like verticutting. Performing both verticutting and aerating will only add to the success of the overseeding.
After the first verticutting there may be debris brought to the surface that may need to be removed before spreading the seed and fertilizer. Once the seed and fertilizer have been spread, a second verticutting at a right angle to the first verticutting is desired to aid in settling the seed at the soil level, thus increasing the germination of the new seed.
Other considerations are the type of seed and seasonal timing. We only use certified seed when performing overseedings. Certified seed guarantees the seed to be free of weed seed and that it has a high germination percentage. Investing in a quality seed reduces maintenance costs once the seed germinates. September 1st to October 15th is the best time to overseed during the year. Overseeding at this time of year gives the seed the cool fall season to germinate and the spring growing season to develop a root system before the summer weather conditions arrive.
We offer no cost estimates for overseeding. Feel free to give us a call at (316) 943-6886, email us or contact us through our Contact Us page.
About Us | Philosophy | Services | Our Work | Contact Us


text:
Key things you need to know aboutDr. Mandelker:
Dr. Mandelker's Experience
Research training, expertise and qualifications
Dr. Mandelker's Specialties
- Pediatrics
- View 1 specialty and 1 board certification
More About Dr. Mandelker's Background
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Patients' feedback on their experience with Dr. Mandelker
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Accepting new patients?
- Yes
- Pediatric Associates PC
- Pediatric Associates PC
- 145 Huguenot St Ste 200
- New Rochelle, NY 10801
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