New Ways To Read The News

I’ve written before about the newspaper industry and why newspapers will fade away. In Jeff Jarvis’ book What Would Google Do? there is a prediction that the last newspaper will be printed in 2040.

I no longer subscribe to a daily paper. I do scan the office copy and have a Firefox widget that gives me access to my local paper the New Zealand Herald although they haven’t updated it since March and it doesn’t work properly with the latest Firefox version.

Where I get most of my news from is in fact Twitter. Lots of people still don’t understand the power of Twitter. I’ve found it is the best way to get up to date information about what is going on locally and internationally. If I want to get information, I simply do a search on my Twitter client, Hootsuite, which I can save as a stream so I don’t have to keep searching.

In addition, I use the paper.ly service and have 2 daily Twitter newspapers where the content is generated by the people or businesses I follow. I have 2 daily papers. One is for my generic Twitter account, and the other is for my songwriting business.

The service I use is called Paper.li and my daily online newspapers which you can subscribe to for free are the Luigi Cappel Daily and the other is my Cappel Music paper. I can go to either of these papers and read stories that are of interest to me. The reason I can do this, is because it aggregates Twitter stories with links from people I follow.

A benefit of this is that it focuses me on following people that have something to say that I am in fact interested in. So if you follow me on Twitter you will see that I typically hover around the 2,000 follows as opposed to some people who follow and collect people like they were trying to follow everyone. If I follow you and your tweets don’t interest me, I won’t be following you for long. Doesn’t mean you don’t have something valid to say, just that I only have so much time and there is so much going on.

So my newspaper has a front page and today it includes stories such as Google TV devices being delayed, South Korea’s military exercises, arrests in a UK terror plot, the latest in the Pike River Coal Mine Disaster, faulty Kindles and more. There is a Stories Page, an Arts and Entertainment Page, a Technology Page, and more. You can even subscribe to my paper, or make your own and its all free.

I mentioned searches on Twitter for news as well. I won’t go into hashtags, you can google that if you are interested, but for a couple of examples, here is a search on Heathrow, which has been closed for several days because of snow and ice. The best way to find out what is going on is from people who are there. You’ll probably find photos and lots of human interest stories as well as the latest information. Interesting as I write this, Sky News were saying on TV that Heathrow Airport doesn’t want their cameras at the airport interviewing angry people waiting for their delayed flights.

Another topical example is North Korea which is obviously of great concern to those of us who don’t want to see a new war front.

This isn’t the only way I get news, I also have an iGoogle page which is my RSS feed aggregator. I keep standard news searches there for things that interest me as well as tools such as currency converters, time zone calculations so I don’t miss my online tutorials from Berklee Music out of Boston, weather forecasts and lots more.

So do I need a print newspaper? No. Is that good? Well putting my ecological hat on, according to Wikipedia, 35% of all trees felled are used to generate paper. Newspapers must be a massive proportion of that. We know that we need trees to combat climate change, so I’m doing my little bit:)

Death of the newspaper

On Living Longer

I’ve decided I want to live longer.  I love technology and I love this world of change and the ability to be involved in this technological era. I have things to contribute and I want to be active in ICT, Location Based Services and also as a songwriter. I want to see my children and grandchildren grow up and explore this ever changing world and see what they make of it.

I’m going to have to work longer, that was always expected, but then providing my Maslow and Herzberg needs are met, I enjoy working. I enjoy making a difference, helping people achieve their goals. I enjoy learning, watching what is helping in my spheres of interest, particularly those mentioned above. I enjoy collaborating and networking and am particularly passionate about seeing New Zealand step up to the plate and continuing to innovate and achieve greater success on the world stage.

I reckon a healthy target for me would be 120 given medical advances now and in the future. My greatest risks are probably heart and cancer, with the determining factors being nature and nurture and my general disposition i.e. my attitude and happiness.

One thing that is obvious is that I have to look after my financial well being. If I continue to work, then raising the retirement age isn’t going to be a major for me. If I am enjoying my work, see a future for myself where I can contribute from my experience, passion and knowledge and can continue to grow, I wouldn’t be expecting to retire at 67.

I know I can’t rely on the Government to give me any kind of lifestyle on the retirement pension anyway. Our budget deficit has just been raised to over $15b and despite some significant successes, we still don’t have an infrastructure that really supports innovation. We tend to take credit once people are successful, but most successful innovators tend to be successful in spite of the country’s and their employers contribution rather than because of it.

So my first considerations as I start goal setting and planning will be how I can maintain my lifestyle in the years to come, continue to build an asset base so that when I wind down to a shorter working week I can continue to enjoy a lifestyle and if I should be forced into retirement through poor health (which is not the plan) I can still live comfortably, which no one can in NZ on a pension or benefit. I have a super scheme, I still have a mortgage. I am closing down my rental property LAQC and have sold my rental property. The Government doesn’t want people be able to claim losses from their expenses and without that I can’t afford to own rentals. I’ve invested in public companies before, but unless you are buying and selling daily, this is in my opinion a far greater risk business. Even the biggest companies make mistakes or get caught up in circumstances beyond their control and shareholders unless they are big, have little or no control over their destiny. How many Kiwis lost their life savings in the past by investing in ‘rock solid’ companies?

So I’ll invest in myself. I am studying song writing at Berklee Music on-line, which is costing me a small fortune, but if I can score 1 or 2 hits somewhere along the way, I’ll recoup that investment. I study the industries I’m involved in daily through the media, the occasional conference, networking in person and through social media such as LinkedIn and Twitter and I read a lot.

I have and continue to amass a huge amount of local and international experience in a number of industries, particularly in the application of leading edge technologies to solving business problems. Experience, I have learned takes years and is perhaps something that is least appreciated by younger people who come out of university thinking they know everything and by people who have stuck in one industry or a very small number of companies during their work career.

So to cut a long story short, I need to start planning for my long future. I need to consider a range of aspects, particularly how I want to live those years, what I want to do in them, what I want to contribute, what capital I need, how to maintain my health and fitness. Must be time for some goal setting and dream building.

I’ll leave the last word for now to Anne Brunet (who came via that other little university in Boston (not Berklee Music, but Harvard) and Thomas Rando of Stanford U.

Note the real meat of this video starts around 21 minutes in.

NZ Herald Landlords taking money we need

It’s soapbox time folks. Over the last week, there have been several stories in the NZ media about businesses complaining that people are investing in rental properties instead of buying shares and options in companies on the share market. The latest was in yesterday’s NZ Herald.

I take exception to their bleating and here’s why. Many years ago I worked for a company called RC Dimock as a divisional sales manager. A number of us got together under the guidance of the Financial Controller and formed a share club. We all put money in each week and collaborated on which companies we would invest in.

I really enjoyed it. I read every copy of NBR, charted the daily value of stocks, learned about all aspects of stocks and bonds and invested more in our own company, my employer when we were purchased by Anzon Investments. As time went on, I started investing independently, continued staying up to date with large reliable companies and punted on more risky investments in various industries.

I had my own broker and whilst my investments were not massive, I was young and suspecting that superannuation was not going to give me any sort of lifestyle, I was looking for ways to improve that situation when it came.

As well as Anzon, I joined many people who invested their life savings in NZ stalwarts including Brierley Investments, Carter Holt, Robert Jones and many other companies. Then came Black Tuesday and many Kiwis lost their entire retirement savings.

Friends and colleagues lost almost everything they had, whilst the senior managers of the public companies moved on and in many cases their old boys club helped them pick themselves up again.

When I got married and started a family, we bought our first modest home and gave up any form of lifestyle for a few years paying at times over 21% interest, but we were building some security. Other people’s poor business decisions and the economic climate were not going to take this from us, providing we were able to maintain the payments.

Subsequently I worked for a company which was embezzled by it’s CEO and lost 10′s of thousands of dollars in salary, commissions and a large company credit card bill that my boss had run up without my knowledge. I then learned what it means to get a company credit card and you sign a form in good faith saying that you are jointly and severally liable for a company credit card. The credit card company who were coincidentally owned by my bank told me that I could either pay for the company credit card, or they would sell my house and give me the change after the 9 month bill was paid.

Further in my career, when I was making a lot of money for my new employer of almost 7 years, I was made redundant when the company was sold, along with several of my colleagues and my MD. The decision was made on the basis of a spreadsheet looking only at what they were paying us, not the great success we were achieving, over budget in ebit and sales.

So forgive me for having a lack of faith in business as a way of protecting my future lifestyle if and when I reach retirement age.

I started learning about rental properties, LAQC company structures, negative gearing and tax benefits, in as much as being able to claim depreciation and costs against my personal income and invested in a rental property.

Some people thought I was rich because I had a rental property, but my own home remained modest and I was having to subsidise the rental to cover the cost of the 100% mortgage, i.e. I had zero equity. My first tenants were a young family with 4 kids. Sometimes they would call me and say they couldn’t make the rent and could they pay the following week. I was paying around $170 a week to top up the mortgage, because the rent didn’t cover it. Then there was property insurance, fixing appliances, calling in drainlayers when they tried to flush nappies and other unmentionables down the toilet. These are just a few of the issues I had, and if it wasn’t for the ability to recover some of these losses against my income tax I would have gone broke.

The family were never going to be able to buy their own home and didn’t take great care of mine. They couldn’t pay a rent that would cover my costs, market rents did not reflect the cost of owning property. My hope was that over time the property value would increase and I would recoup my losses.

The key to my rationale, which I still subscribe to, is that I was making my own decisions and having control in the level of risk I was prepared to take. I wasn’t going to have my safety net taken away by some entrepreneur who was travelling first class around the world, who was able to walk away and start again when he had spent all my investment savings.

Owning a rental property is a business. There is a need for rental properties. The Government has quit most of their State Housing stock and people who can’t afford to buy their own homes, around 35% of the NZ population, over 1.5 million people do not own their own homes. So who is going to take responsibility for them?

When people set up a public company and use our funds to run them and take risks with, we have no control over how they use our money. If things turn sour as they have for many Kiwis trying to invest their hard earned money, they walk away and set up their next business. Investing in public or private companies is high risk. For people who can afford that risk, great, enjoy. But most owners (think big mortgage) of rental properties are not wealthy people, they are just people trying to make sure they can afford a little lifestyle when they retire without being a burden on their family. It is not easy owning rental property and the odd example of someone who has built up a rental empire is the exception, not the rule. The majority are Mum’s and Dad’s who don’t want to live on a combined income of $478 a week.

Could you live on $478 a week including rent, power and phone? What would that give you for food? Forget entertainment. On the other side, there is the potential for people to live much longer than in previous years and with Baby Boomers, less tax payers to heklp support them.

If the Government wants us to invest in business instead of rental property, they should give us some security against the risk of public companies. Of course they will also have to invest in providing rental accomodation for the 35% of us who can’t afford to own their own homes. What are the odds of that? About the same as that of people who invested their life savings in Brierley Investment shares. Telecom shares anyone?

Another Reason Why Newspapers Will Fade Away

This morning for the 2nd time in 2 weeks my NZ Herald wasn’t delivered. This happened a couple of times previously with the Sunday Herald which was actually the one I used to enjoy the most. After the 2nd time I cancelled it. Two weeks ago when my Saturday Herald didn’t turn up, I tried to call them and got a voice message saying that I had called outside of working hours. I thought to myself that perhaps reading hours might disappear as well and this morning I told them that 3 strikes and they could say goodbye to my subscription.

This is one of the reasons why newspapers are on the way out. Not only are they reliant on people who really don’t want to go out on wet cold dark winter mornings, but a printed newspaper is becoming so inefficient.

I get headline tweets from the NZ Herald along with 1,648 other people, with links to the stories I want to read. Online I can see the headlines and major stories on their homepage and then I can see the headlines for each section and go straight to the stories that interest me. The Herald is only one publication I subscribe to on Twitter, there are several news services that flick past me on the side of my browser using Twitbin which is a Firefox plugin.

I also use iGoogle for my RSS feed. This gives me the latest news on all the topics I want to keep up to date on. That includes lots of streams around topics such as GPS, LBS, Psychology, Music and much more. It updates itself automatically all day and I can see which stories I have read in case my memory fails me.

Twitter of course is also a great vehicle for getting the latest news about anything. It told me that there was an earthquake in LA just as I boarded a plane there, although it turned out to be inconsequential. It told me what was going on in Iran and even if you can’t spell swine flu you’ll find out what’s happening to real people like Izzy who just found out her brother has it.  If you could spell it correctly you’ll find out what is happening, which famous people have just caught it and more than you’ll ever want to know.

I started off saying that newspapers are closing and you probably thought I was exaggerating didn’t you. Well think again. Here are a few examples.

• The Seattle Post-Intelligencer closed over 146 years and is considering continuing online.
• Colorado’s oldest newspaper The Rocky Mountain Times has run out of time.
• Michigan’s Ann Arbor News has closed after 174 years.

Of course there are also stories around the world talking about job cuts in the newspaper industry like this one in the Guardian.

This doesn’t mean, of course that we don’t want news. Of course we do, but we have new vehicles that are far more efficient, we now have a choice, in fact we’re spoiled for it. Did you wait for news about Michael Jackson’s death to appear in the newspaper? Of course not, it was on every TV news channel and you got it up to date. By the time the newspapers came out, the stories that were in it, such as him not being dead, but only in a coma, had long since been refuted.

The big problem for the print media companies, is that they don’t know how, or if they can monetise the online media. There are of course ways that they can do this, but they have to switch their thinking, which is so enrenched in ‘this is the way we’ve always done it’ that many of them won’t be doing it at all in the future. Sounds a lot like the recording industry doesn’t it?

New Powers for Medical Health Officers over Swine Flu

I should have seen this one coming from a mile away. While a lot of people still have their heads in the sand, the New Zealand Government have made Swine Flu a notifiable disease. In itself, that just makes sense, but in fact according to a NZ Herald story this morning, this means that they have authority to demand that people isolate themselves at home, or face fines or mandatory isolation in hospital or worse. 

There are many things to start thinking now, even if you still think it won’t happen to you. If you are isolated at home, do you have everything you need for at least a week? Will this mean that your family that lives with you or your flatmates will also have to stay home too? After all they will be at a higher risk of also getting infected. So if your whole house is quarantined, how do you get your basic supplies like bread and milk?

If pundits are right and it effects up to 60% of the population, or even only 10% are isolated, what happens to business? Grocery stores and other retailers who are in spittle distance of their customers will be at high risk because they are dealing with large volumes of people all day.

The schools represent a high risk, they have always helped spread illnesses, if one child has the measles, flu or any other contagious disease, it is a given that several others will also get it.

If people disobey the isolation requirements, then there are even greater risks, because this group will very likely carry the virus, so I have no problem with the mandate. However, the risk of people not obeying the rules is also high. In today’s economy, people don’t want to risk losing their jobs and many will continue to work because they need the money. In my office for example, staff get 5 days of sick leave a year, which is pretty easy to bite into if you have a flu or cold. There are people who will therefore have no sick leave, or not enough available and don’t want to use their holidays, but can’t afford to be sick without leave, so for as long as they can, they will continue to work.

Schools have been given detailed instructions on what to do in the case of an outbreak, including hygiene instructions, but in my opinion, most businesses are thinking that Bird Flu went nowhere and Swine Flu will do the same, so they aren’t taking precautions and they don’t have contingency plans should a large group of staff fall ill. The air conditioning systems will do a good job of spreading the virus, and some businesses may have to cease trading for several weeks, because while the illness might be gone in 7 days or so, people won’t be considerate enough to all catch the Swine Flu at the same time. 

Of course they could go to a Swine Flu Party. What sort of idiots would do something like that? Well it appears they are, using the same rationale that moms use when their friends children have chicken pox, “Let’s get it over with now”. The problem with Swine Flu is that unlike traditional flu, the virus has no respect for age or health and is capable of killing people of all ages and of course the domino effect would hasten the spread of this nasty illness. 

The new powers aren’t just a NZ initiative however, the same is occuring around the world, in Australia, Mexico of course and most other countries are now drafting legislation that will help them try to fight this problem.

So, are you ready? Do you still think it won’t happen to you, your friends or family, or perhaps your work mates? How prepared are you?

Proximity Based Marketing and Trust

In a previous blog I talked about how brands such as Subway could use Location Based Services (LBS) to promote their products to school students as a next step from their service where you can text your order through to the store. Location (x3) used to be the mantra of the retail industry, especially when consumers didn’t move far from their homes or work area. Of course today people are far more mobile.

I have frequently spoken about the value of PR as being far superior to advertising, which is a major problem for advertisers themselves. With Tivo, MySky and other services we can avoid TVC’s and with more and more people going online for their news, the advertising in print gets less views. The key point I make though is that people don’t trust advertising. In my Geosmart Blog, I wrote about the impact of this and the need to find different ways to deal with this.

Earlier this year in Amsterdam I spoke to a number of people who are developing expertise in the areas of social networking’ LBS and proximity based marketing and a common thread to this was in fact trust.

The marketers tell us that if the guys wear Lynx hygiene products, the girls will come running. In a previous blog, Why Do People Still Smoke? I showed a video of a doctor expousing the benefits of smoking. It’s no wonder that marketers and sales people are often looked at as shiny shoed spin doctors.

In 2006 Gallup asked pollsters to rate the values and ethics of a number of industry groups. Advertisers scored 11% on the high trust scale. Harris did a similar poll the same year and found that in contrast 66% of people trusted the ordinary man or woman in the street.

Amongst the changes that are happening in many areas these days are consumer advocates. Because people don’t trust advertising, and in many cases with good cause, they are turning to other consumers for advice. When I went to Jamaica a couple of years ago, I used Travelocity to read reviews from people who stayed at various resorts and used their feedback to book my stay and was pleased to find everything as I expected. As a consequence, I also used them to make my booking.

If 66% of consumers are happy to trust the man in the street, then what if we could give them access to their peers. This is of course where social networking comes in. Typically in a social networking environment, whether it is Twitter, LinkedIn, Facebook, MySpace, doesn’t matter, we end up developing online relationships (and real ones) with people that we associate with, that share our values and interests.

Mobile phones now offer a vehicle to extend the social networks into location. People now meet up in different parts of the world as a consequence of their location. I can use a number of applications to ask people in my network about local shops, accomodation or anything else. If I’m in LAX  for 6 hours waiting for a connecting flight, I can go onto Twitter on my mobile and see if any of my friends are nearby, or ask them what’s worth seeing, where is a good place for a coffee or a meal etc. I will then get their recommendation based on their local knowledge or experience. I can trust their feedback.

So I was talking about Proximity Based Marketing. If consumer advocacy is the most reliable form of marketing, there is an opportunity for brands to harness this. Off course the codicil is that they have to provide a great product or service because otherwise the mention will be poor and they need to be consistent.

One concept I’ve considered is a loyalty program around a hospitality brand, it could be a chain of bars, cafes or any other organisation. They could have a program whereby you got rewards for bringing other people to their establishment. For example, use a social network around their brand (a starting point could be as simple as a Facebook Fan Page) and then use your mobile to see which of your friends are in the neighbourhood. You could have an impromptu meet up at Starbucks and have the ability to send your friends an electronic coupon on their mobile, together with turn by turn directions and a map, to show them how to get there.

I’ve blogged previously about distressed inventory and Proximity Based Marketing. Imagine you go to the Cirque du Soleil and book via your ticket agency who is also a social networking site, such as EventFinder. A few hours before the show you get a TXT message offering you a deal if you can entice some other people to come along. You then use the location part of their application on your mobile to see where your friends are (as I do with Google Latitude) and send them a message with an electronic coupon to join you at the show, with a 40% discount.

A number of popular web portals, such as AA Maps, Wises, Google, allow you to rate / review businesses or locations on their portal. Wouldn’t it be good if you could access this data on your mobile in real time? But it would be even better if you can link a real time recommendation from a ‘friend’ to a location based service. Where’s a good place to get a coffee at Miami Beach? A friend replies with a name of a cafe, which automatically gets linked to their geocode (location coordinates) and as your mobile knows where you are, it can then request and display turn by turn directions and the map. The friend then adds, “If you can get there for 2PM I’ll meet you there.”

All the pieces are already in place and Beta sites are starting to pop up, offering these sorts of services. GeoSmart can provide the tools and data required for New Zealand and are already working with parties to support better maps and Location Based Service for New Zealand. Perhaps you should start thinking about how you can use location and consumer advocacy to drive forward your business.

If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course http://luigicappel.wordpress.com.

Thanks so much for your support:)

How to get or spread Swine Flu

It was interesting to note that after my blog, Swine Flu is a bit close to home, where I pointed out that Air New Zealand were not telling the full story about how germs can spread on a plane by saying that the filters in their air conditioning system were very good at killing 99.9% of bugs and virus material, that there was a story in this morning’s NZ Herald, pointing out that even wearing a face mask only stops around 50% of contaminant material from entering the surrounding air. They also said that health officials are trying to track down the 367 passengers on the flight which brought the Kiwi students home after their trip to Mexico.

I can understand concerns within the airlines, because people contracting Swine Flu simply by contamination from fellow passengers could stop a lot of people from flying when they don’t have to which could be a commercial disaster.

Some time ago I wrote a blog called wash your hands after you do your business. On a 12 hour flight from Los Angeles to New Zealand, most people are likely to use the conveniences a couple of times during the flight. Several of them will not wash their hands after they have done their business and will then use the door handle to make their exit. The next person that comes along who does wash their hands, will find possibly end up with contamination from the previous user. Now they sit down and pick up their book or newspaper, lick their finger to wet it and turn the page, or finger a pen and put it in your mouth and guess what, they are now at risk from not one, but several people who had poor hygiene habits. That’s of course only one example. Maybe you shake hands with someone on the flight, or are sitting next to someone and you pass their tray from them to the cabin crew after they have had a meal. The opportunities are endless and the risks are many. There is no easy answer to this unfortunately.

Meanwhile if you have a look at the Google Swine Flu Map, you will see that it has now progressed to Sydney and since the flight that brought the Kiwi Students back arrived, there are now suspected outbreaks throughout NZ, confirming that no matter how good the ventilation system is on the plane, it can’t stop viruses from spreading.

While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course http://luigicappel.wordpress.com.

Thanks so much for your support:)

Swine Flu Is a Bit Close to Home

Yesterday I posted a blog about Swine Flu, this is an interesting situation which will be at the forefront of many people’s minds for some time to come.

We live in interesting times. It seems analogous to the way banks have behaved since the ’89 meltdown when they said they would never be as free with their lending again, such as 100% mortgage loans. we relaxed after the Bird Flu fizzled out, but now we have a new strain N1H1 which apparently comes from pigs but is related to the bird flu. Whilst it appears that Tamiflu has a positive effect on this, there are of course no vaccines because it is new.

It was interesting to read in the NZ Herald this morning that Air New Zealand was saying that their aircraft are safe for fellow passengers because filters in the aircraft’s air conditioning system filter 99.9% of airborne viruses. Funny then how so many of us who travel on long haul flights end up coming down with some sort of virus within a short period of time after a flight.

Of course these filters require that you sneeze into them. A lot of people look into lights to help them sneeze (I must explore that sometime, or ifyou know why, please share the answer in a comment), but you lift your head to the light and then sneeze on the way down, creating a nice arc of germs.

So how fast does a sneeze travel through the air? Well according to the appropriately named site Blurtit, the fastest recorded sneeze was 102 Miles per hour! I would say that the germs from even an average 50MPH sneeze could travel a fair distance in an aircraft cabin.

Some more news from this morning’s NZ Herald was that the students that came back to Auckland after a school trip to mexico come from not one but 2 colleges, Rangititoto and Northcote College. The story also said that some of the kids who were ok when they arrived are now also showing symptoms. I wonder how many people they have been in contact with. The ones who are ill have been quarantined in their homes, but it didn’t say whether their sublings and parents were also quarantined or were going to their schools and workplaces.

What I find really interesting is the coincidence in the numbers. Greater Mexico City has a population of around 22 million people. 1300 reported people with Swine Flu is around 0.00005% of the population and yet a group of 20 odd Auckland kids have been exposed to it. It makes you wonder if the real number is far greater, but these are the only ones that they are prepared to announce. In a city of that size it must be spreading like wildfire.

There is of course already a Swine Flu Google Map, so you can keep an eye on how it spreads.

Is your household prepared for a pandemic?

Just as a footnote, if you have Sky TV, there is a movie called Doomsday on tonight, which is about a virus in Scotland, where they quarantine the whole country. I won’t be home to watch it, but its funny how its on TV tonight. I love coincidences.

While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course http://luigicappel.wordpress.com.

Thanks so much for your support:)

Legacy Locker passes all your web accounts on to your beneficiary

I read a story in this morning’s NZ Herald which doesn’t appear to be available online. It was about a new web site which people can use to pass on all their passwords and account details for everything they do on the web from your online banking to all your web sites, social networking pages etc.

This was something I hadn’t considered before from my own perspective, or from those I leave behind. There are of course practical issues, such as having access to my online banking accounts but also my blogs, the sites where I post my music, such as MySpace and Music Forte, and my social networking sites such as LinkedIn and Facebook.

The practical things are important because I would want to ensure that my beneficiaries have access to all my assets, but there are also the emotional considerations. Unless someone does something about it, my blogs and my social networking pages will remain forever. Personally I think it would be nice to leave a digital footprint behind, especially for my music, but also where people can remember me, almost like a legacy, where my own perspectives can be seen, rather than other people’s interpretations of them.

The NZ Herald story, which came from Telegraph Group Ltd, (which I also couldn’t find online) raised issues of the pain that it might cause to people left behind, when their loved ones pass away, seeing all their posts, photos and other net based activities, like footprints in the sand that people can see in time to come. It could be very painful.

On the other hand, I would love to be able to access information left by my forefathers. I have travel diaries from my grandparents and a small number of photos, but mostly their information is lost forever, or scattered, not shared, amongst my many cousins, uncles and aunts.

So the Legacy Locker service allows you to ensure that people left behind have access to all your accounts and can follow through on your wishes after you pass on. I don’t know how they find out that you have died, their must be a mechanism for that, but you have the ability to write an email that will be delivered to your beneficiaries after your death, so that they have access to all the information you want them to find.

It looks like they have all the systems you need including bank level security, to ensure that your data is safe.

They make a good point on their site that online assets have value. There may be areas of financial value, but there is also the intrinsic value of having access to photos that you may not have ever printed, music, diaries / blogs and traces of all your relationships, business, family and friends.

The pricing is also very reasonable, $30 a year, a flat fee of $300 and you can also have a free trial. I’m not so sure about the free trial other than being able to evaluate how it all works, but it is something I would probably do if I was going to sign up. Will I sign up, not at the moment, but maybe some time in the future, who knows?

While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course http://luigicappel.wordpress.com.

Thanks so much for your support:)

Grandmothers Miracle Survival

So it happened again. A 62 year old woman driving home from Christchurch crashed her car down a 5 metre bank on her way home to Greymouth, was the story in this morning’s NZ Herald.  If she had a GPS capable mobile with the type of tracking application I have been blogging about here and here, she may not have had to spend2 days lying on broken grass out in the cold and could have been rescued far sooner.

The GPS in her phone could have told family or rescuers exactly where she was and with tools like GeoSmart’s Directions API, her rescuers could have had turn by turn directions right to the site of her misfortune.

This is not an uncommon story. Given the bush, the narrow, dark and windy roads around New Zealand’s beautiful countryside, combined with sometimes treacherous conditions of rain, black ice, snow, flooding and slips, there are frequently stories of people losing their car and slipping into a ravine, or worse. I hate to think of what the cost is in resources for search and rescue. Over a year it must mount up to far more than the cost of developing a mobile application that could work on all phones.

In urban areas, often cell triangulation would work, but in the many rural areas, the cell towers are often too far apart to provide an accurate fix. It’s interesting that the topic of Tracking Elderly People is one of the most popular searches that find my blogs. Of course it isn’t just about elderly people. There are many segments of our population that could benefit from a mobile tracking application. People like diabetics, blind or disabled, people with other illnesses such as asthma, allergies such as bee and wasp stings, epilepsy and Alzheimers or other forms of dementia are just a few examples.

Hopefully sometime soon, someone will use GeoSmart’s tools or come up with some funding to develop a tracking system to solve this problem.

While this blog is starting to get a good following, I would love to get more readers and encouraging me to keep writing. If you feel that my blog is interesting I would be very grateful if you would vote for me in the category of best blog at the NetGuide Web Awards. Note that the form starts each site with www whereas my blog doesn’t and is of course http://luigicappel.wordpress.com.

Thanks so much for your support:)