Whats going on in the World

longcast said:
Trying to post more relevant happenings.
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Trying to figure out the relevance of a GH article posted in 2016 about an extinct Siberian species described in the early to mid-19th century by a group Russian paleontologists.

Maybe my sarcasm radar is way off this AM due to the disruption of my circadian rhythm that many are whining about??

Regardless, the explanation of the Rainbow Flatulence was most entertaining...
 
Roccus7 said:
Trying to figure out the relevance of a GH article posted in 2016 about an extinct Siberian species described in the early to mid-19th century by a group Russian paleontologists.

Maybe my sarcasm radar is way off this AM due to the disruption of my circadian rhythm that many are whining about??

Regardless, the explanation of the Rainbow Flatulence was most entertaining...
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The more I think about, based on my limited MD skills attained on the internet, I would say it's an issue with your sphincter closest to daylight this morning. :)
 
longcast said:
The more I think about, based on my limited MD skills attained on the internet, I would say it's an issue with your sphincter closest to daylight this morning. :)
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Let's edumacate you with a brief internet anatomical lesson... ;););)

ASSuming you are referring to the most distal spinchter in the Human GI tract, and since I was sitting on it, you are incorrect. You neglected to consider the esophageal sphincters, the upper one at the pharynx and the lower one at the end of the esophagus, beginning of the stomach. That would make the Upper Esophageal Sphincter the closest spinchter to daylight when sitting at a computer...

To complete your GI sphincter anatomy lesson, there is the Pyloric Sphincter that regulates the passage of the stomach contents into the small intestines.

And who said you can't learn something every day???
 
Roccus7 said:
Let's edumacate you with a brief internet anatomical lesson... ;););)

ASSuming you are referring to the most distal spinchter in the Human GI tract, and since I was sitting on it, you are incorrect. You neglected to consider the esophageal sphincters, the upper one at the pharynx and the lower one at the end of the esophagus, beginning of the stomach. That would make the Upper Esophageal Sphincter the closest spinchter to daylight when sitting at a computer...

To complete your GI sphincter anatomy lesson, there is the Pyloric Sphincter that regulates the passage of the stomach contents into the small intestines.

And who said you can't learn something every day???
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I think you knew exactly which one I was speaking about. Maybe, I should’ve said the muscle closest to the outside world?
 
Glad I don't drive a GM car...

www.nytimes.com

Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies (Published 2024)

LexisNexis, which generates consumer risk profiles for the insurers, knew about every trip G.M. drivers had taken in their cars, including when they sped, braked too hard or accelerated rapidly.
www.nytimes.com www.nytimes.com

....Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.

On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.

According to the report, the trip details had been provided by General Motors — the manufacturer of the Chevy Bolt. LexisNexis analyzed that driving data to create a risk score “for insurers to use as one factor of many to create more personalized insurance coverage,” according to a LexisNexis spokesman, Dean Carney. Eight insurance companies had requested information about Mr. Dahl from LexisNexis over the previous month.
 
jpd said:
Glad I don't drive a GM car...

www.nytimes.com

Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies (Published 2024)

LexisNexis, which generates consumer risk profiles for the insurers, knew about every trip G.M. drivers had taken in their cars, including when they sped, braked too hard or accelerated rapidly.
www.nytimes.com www.nytimes.com

....Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.

On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.

According to the report, the trip details had been provided by General Motors — the manufacturer of the Chevy Bolt. LexisNexis analyzed that driving data to create a risk score “for insurers to use as one factor of many to create more personalized insurance coverage,” according to a LexisNexis spokesman, Dean Carney. Eight insurance companies had requested information about Mr. Dahl from LexisNexis over the previous month.
Click to expand...
How do they get the information? Couldn't read the article without subscribing.
 
wader said:
How do they get the information? Couldn't read the article without subscribing.
Click to expand...

I'm guessing through OnStar. I don't have any apps linking my cellphone to my Subaru.
Maybe Waze can collect speed info and send it to my LexisNexis report, I just requested a copy to see what's on it.

Sometimes this is happening with a driver’s awareness and consent. Car companies have established relationships with insurance companies, so that if drivers want to sign up for what’s called usage-based insurance — where rates are set based on monitoring of their driving habits — it’s easy to collect that data wirelessly from their cars.

But in other instances, something much sneakier has happened. Modern cars are internet-enabled, allowing access to services like navigation, roadside assistance and car apps that drivers can connect to their vehicles to locate them or unlock them remotely. In recent years, automakers, including G.M., Honda, Kia and Hyundai, have started offering optional features in their connected-car apps that rate people’s driving. Some drivers may not realize that, if they turn on these features, the car companies then give information about how they drive to data brokers like LexisNexis.

Automakers and data brokers that have partnered to collect detailed driving data from millions of Americans say they have drivers’ permission to do so. But the existence of these partnerships is nearly invisible to drivers, whose consent is obtained in fine print and murky privacy policies that few read.

Especially troubling is that some drivers with vehicles made by G.M. say they were tracked even when they did not turn on the feature — called OnStar Smart Driver — and that their insurance rates went up as a result.

“GM’s OnStar Smart Driver service is optional to customers,” a G.M. spokeswoman, Malorie Lucich, said. “Customer benefits include learning more about their safe driving behaviors or vehicle performance that, with their consent, may be used to obtain insurance quotes. Customers can also unenroll from Smart Driver at any time.”
 
jpd said:
I'm guessing through OnStar. I don't have any apps linking my cellphone to my Subaru.
Maybe Waze can collect speed info and send it to my LexisNexis report, I just requested a copy to see what's on it.

Sometimes this is happening with a driver’s awareness and consent. Car companies have established relationships with insurance companies, so that if drivers want to sign up for what’s called usage-based insurance — where rates are set based on monitoring of their driving habits — it’s easy to collect that data wirelessly from their cars.

But in other instances, something much sneakier has happened. Modern cars are internet-enabled, allowing access to services like navigation, roadside assistance and car apps that drivers can connect to their vehicles to locate them or unlock them remotely. In recent years, automakers, including G.M., Honda, Kia and Hyundai, have started offering optional features in their connected-car apps that rate people’s driving. Some drivers may not realize that, if they turn on these features, the car companies then give information about how they drive to data brokers like LexisNexis.

Automakers and data brokers that have partnered to collect detailed driving data from millions of Americans say they have drivers’ permission to do so. But the existence of these partnerships is nearly invisible to drivers, whose consent is obtained in fine print and murky privacy policies that few read.

Especially troubling is that some drivers with vehicles made by G.M. say they were tracked even when they did not turn on the feature — called OnStar Smart Driver — and that their insurance rates went up as a result.

“GM’s OnStar Smart Driver service is optional to customers,” a G.M. spokeswoman, Malorie Lucich, said. “Customer benefits include learning more about their safe driving behaviors or vehicle performance that, with their consent, may be used to obtain insurance quotes. Customers can also unenroll from Smart Driver at any time.”
Click to expand...
thanks for the full article...

I have OnStar on my Chevy Colorado but never activated it. Possibly still doing stuff though(?). I recently got a substantial increase(+$130 a month) in my auto insurance with GEICO & shopped it to Progressive who gave me a price similar to what I got from GEICO.

The weird part is I'm a pretty conservative driver. I hold my speed at no more then 5 MPH over the limit. A handful of small accidents 99% of which I wasn't even in the vehicle when it took place (parking lot incidents where the truck was hit while I was in the store). And all of those took place on the VW which doesn't have OnStar although it's got some sort of VW system which again - I didn't activate. Also have SirrusXM for radio & GPS. Makes you wonder.
 
A little history here.

A majority of the provisions of the Inflation Creation Act of 2022 became effective 1/1/2023.

So you have all that ill advised spending flood an already "too much cash" environment. And we are almost 15 months out. What did anyone expect?

Been reading that credit card debt is at all time highs, 401(k)'s are being used for living expenses. Not much left to raid after that.
 

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