The Insurance Aftermath of an Earthquake


First there were several people who had inadequate insurance in Christchurch. I have no idea what the situation is in Japan, but I understand that some of the worst hit were apparently poor communities illustrated by the ease with which the  tsunami washed away the houses.

I think the first thing goes back to my previous blogs on preparation lessons, the aftermath and getting your household ready. The Earthquake Commission is there to help after a natural disaster which isn’t covered by normal household insurance. But the scope was huge. They had over 440,000 claims and even in dealing with those, their liability is up to a maximum of $100,000 for dwellings and $20,000 for personal property. Try building a house for $100,000 or replacing even your basic possessions including appliances, furniture, clothing etc for $20,000. Some people will pretty much walk away with nothing.

Now insurance itself is a risk game and they take our premiums on the expectation that for a large number of people they will never have to pay out. Now I haven’t seen the financials for EQC, but I suspect that most of the money has gone into running the organisation over  the years, especially given that after the event John Key says that the government may have to treble the levy in our taxes for future incidents. Does this mean that we are now going to start to pay for what happened, borrowing from the future because the funds weren’t there? Are wee robbing Peter to pay Paul?

We always knew a major disaster looming. Of course we thought it was most likely to happen in Wellington. It hasn’t, which of course doesn’t mean it won’t because Christchurch and Wellington are on different fault lines. But I would have thought with years and years of taxes and no major incidents, EQC would have been flush with funds.

Anyway, back to the present. If you don’t have adequate insurance to cover everything, think again and do what you can, even if money is tight, things could get a whole lot worse. I hate insurance. I was once asked to do a whole lot of psych tests by an insurance company who thought I would be a star life sales person. The idea of selling life policies to my friends was anathema but I loved tests, so I spent a whole day doing the tests and they came back apparently saying I would be hugely successful. I declined despite the offer of a big package. Today I wonder if I should have taken the money, because I better appreciate the importance of insurance. It’s a gamble by both parties, both hoping we will never be in a position to need the cover.

I have life, income protection, health, car, house and contents policies and it eats up a lot of money. So far the insurance companies have enjoyed a lot of meals from my table, but if something major did happen, I feel secure that if my company closed for 6 months because its buildings ceased to exist, if I was injured or ill long term, or if my house washed away in a tsunami, I could rebuild. As the Dean of Christchurch Cathedral said, its the people that matter, the church can be rebuilt.

One concern I had with the aftermath was seeing people throw away their household appliances, carpets, furniture etc and wondering how they would be able to prove what they had lost. The share scale meant that many people had to do that, but it does show the value of having a list of your possessions and also photos. I once had a software app that did that, but never fully used it. Another thing to my be prepared list methinks.

 

Household devastation after the earthquake

So I recommend you grab a digital camera or video camera at least, so that you can go through each room and record your possessions and the state of your property, so that you will have proof in the unlikely event that you could need it. Then store the information somewhere safe. I used to keep my songs in safe deposit on video, with the bank, some people thought I was stupid, but again its just insurance.

Enough for now. I hope I’ve given you some more food for thought. Here’s some fond memories of mine of Christchurch a couple of years ago, with a song I am still writing.

 

The Future of TV


I was watching a TED Video recently. Unfortunately I can’t remember who was talking, but a couple of statistics resonated. The speaker said that by the time an American student (in most western countries probably the same) gets to university they will have spent 20,000 hours watching TV and another 10,000 hours playing video games.

What’s really amazing about that is generally (especially this time of year) how crappy TV coverage is. I have written in blogs previously that I believe IP TV is going to change things massively, but of course that will spell the demise of TV as we know it unless broadcasters get on the bandwagon. If they don’t, they will be singing the same song and laying off loads of staff in the same way as the music and newspaper industries are.

One thing that will make a difference is interactivity and in NZ we are way behind on that score, although I did note during the T20 Cricket match between Pakistan and New Zealand on Boxing Day on Sky TV, you could vote for your man of the match via your remote control. Normally you have to text and pay a premium, so that’s a start, but NZ is way behind the 8-ball when it comes to TV interaction.

In the December issue of The Futurist John M Smart of Acceleration Future Studies came up with some insightful comments on where TV will go, which should be compulsory reading to broadcasters.

Interactivity was one of those concepts. Two areas he covered were collaborative rating social viewing. Both of these happen independent of TV already, but are not embraced by the broadcasters. For example, kids send each other SMS messages via their mobiles all the time when they watch TV. This has been happening for years. The only way the media has taken advantage of that is for competitions and voting on programs like American Idol, which recorded 178 million votes this year. It’s hard to find out what revenue they got from that because it depended on how you voted and who your carrier was, but you can be certain that signifiucant revenue was made, but I digress.

I was talking about social interactivity. So kids text message each other all the time while they watch TV and with new media such as Twitter, the same thing crosses the age barriers. For example whenever there is a major sporting event on anywhere in the world, people are tweeting in real time and sharing their opinions and passion. I believe this will be huge during the Rugby World Cup in New Zealand in 2011. It will be happening concurrently around the world via mobile and internet. That would be a great opportunity for Sky TV in New Zealand, NBC, and others to get involved, but I doubt they have the foresight.

Another topic that John Smart covered was ratings. I don’t know how accurate the current TV ratings systems are, but if TV really wants to compete with the Internet, why not give all viewers the ability to rate what they are watching on TV and at the same time  what they are viewing by way of IP broadcast media.

A great thing about the Internet is that it can cater for every taste. I have around 60 channels on my TV, but I have access to so much more media online. Family overseas have access to hundreds of channels, but most of it is reruns of old TV series.

I regularly watch TED videos on my TV via my iPod connected to my home theater, but the interface is ugly and its a pain to connect my notebook to my TV. I don’t have an iPad as yet, but I can certainly see myself getting some sort of IP TV connectivity, whether it is a home media hub (so I can get internet radio as well as YouTube and other products around the house).

Today, according to Smart there are 20,000+ streaming Internet TV Channels including YouTube, Vimeo, Metacafe and Viddler. Boxee is an example of a Set Top Box that started off with an open source media software package. Unfortunately many of their services such as Pandora are not available in New Zealand. I’m going to give it a try and see if I can make it work downunder.

I’ll stop here and will come back to this topic as I am just grazing the surface. Leave your comments and bookmark this page if this is of interest to you. This is a very exciting and rapidly changing environment and it will be interesting to see who the winners and losers are in the next 5 years.

Boxee review suggests it has potential, but isn’t quite ready?

Barter, the New Old Economy


I’ve just got back from a break in Rarotonga, which was a wonderful place to visit for peace and rest. It was thought provoking even though thought was not high on my agenda.

I finished a piece of music I had been working on and called it Rarotonga, which you can find on Youtube and my About Songwriting blog. While there I attended a wonderful gospel church service where I had some great singing. This was followed by a bountiful morning tea put on by the open generosity of the locals.

Most of the church service was in Rarotongan Maori, however 2 words that I did understand were Climate Change. In a country where most of the land is very close to sea level this is a real challenge. You need to spend a little time on a South Pacific Island to understand what is at risk.

The one thing you must do when visiting a new country is visit with the people. 3 things stood out:

1. Everyone expressed their gratitude that we visited and explained that their country was entirely dependent on tourism.

2. Every person had at least 2 or 3 jobs and good pay was considered to be about US5 an hour. Other than Sunday’s, most people would be working 12+ hour days.

3. There was a sub economy operating below the cash economy. People trade goods or services. It might be people swapping fish for Taro or playing music in return for food and the ability to promote and sell merchandise such as CD’s.

As you do, when you deliberately disconnect from the grid, you catch up with reading and I got to reading up on Life Inc by Douglas Rushkoff. One of his arguments is that the world’s economies are driven by corporations, banks and other large entities who perhaps care more about themselves and keeping communities reliant on them than helping the people they serve gain any level of independence.

I was blown away by some of the examples of alternative trading systems he came up with, although I don’t know why. Barter as a concept is probably as old as mankind, but a new economy seems to   be reemerging in innovative ways. I’ve known doctors who accepted fish or other produce from patients who couldn’t afford to pay fees in New Zealand. I’ve known plenty of people who share their specialties, a plumber who does work on an electricians home and the electrician is owed a favor by a motor mechanic who then does a job for the plumber for free. The traditional economy still gets revenue from the parts that are used, which includes all the traders and of course tax in all its forms.

From a business point of view, I use Bartercard and they are a great organisation who I recommend. They have Bartercard Maps which uses GeoSmart Maps technology to help you find what you need based on location. However, fundamentally it is still a form of currency and our accounts department and Inland Revenue treat it no different than cash. In some cases, such as accommodation I also sometimes feel that the product you get is a little less quality than you would get if you were paying cash.

One good thing about Bartercard I like is that it is local, at least it encourages companies to use local suppliers. Despite our position, I feel many organisations in NZ from Government Departments through to consumers do not consider supporting their local economy as a major factor in making purchasing decisions.

I don’t want to go into any real detail about the examples in Rushkoff’s book, because that’s what the book is for and you might want to read it. There are some great deals on Amazon. I don’t think you’ll find it in your local bookstore.

Here’s a couple of cool examples.

  • CSA or Community Shared Agriculture. The concept is that people not only commit to buying their produce from a particular local farm, but they even commit to doing a small amount of work on it to help support it. This gives some security to the local farmer, but also helps build local community spirit and has people involved and doing something they would not normally do in their daily lives.
  • In Japan, the Sawayaka Welfare Foundation came up with a ‘complementary currency’ where young people could earn credits for taking care of elderly people. Those credits, called Fureai Kippu can then be applied to the care of their own elderly relatives who may live in a different part of the country. Because it is by the people and for the people, many say that the standard of support they get is far better than if it was provided by commercial caregivers.

The book also has lots of ideas about local loyalty programs that serve to build greater loyalty to local traders and creates stronger community feeling, which can and should apply to any town or village. The people who work, have restaurants or businesses near your home, are your neighbors. We are  often too quick to go and give profit to multinationals, when we could be supporting our local businesses and then complain when our potential customers don’t use our services.

To a degree this blog was motivated by my trip to Rarotonga and the music I wrote which you can listen to below. But it is also out of concern for our future. New Zealand, like Rarotonga runs the risk of becoming isolated. If a war were to strike overseas and our imports (including oil products, food, clothing and technology) how well prepared are we to continue living to the standard we are accustomed to? People in Rarotonga told us about the island running out of fuel for a few days and the chaos that ensued. How long would we continue our lifestyle without petrol and diesel?

Could Swine Flu Be Man Made?


I have to start by saying I don’t think it was, but it is a ligitimate question, given that bioviolence is something that many countries around the world will be considering and it is an obvious threat from terrorists. We don’t hear anything about the neutron bomb these days, but the concept of killing off people but leaving the environment intact, is not new.

Several years ago I was helping a water authority with mobile data communications around the same time as a meeting of world leaders . Even though bioterrorism has not been seen in this country, there were was hightened vigilence of the city’s water reservoirs, to ensure that they were not deliberately contaminated as a protest against the international meeting.

You would have to have your head in the sand to not consider the act of unleashing a virus as a possible act of warfare and in order to run tests to assess the viability of such an exercise, it would seem that the best way to test whether this is possible, would be to try it on humans.

Swine Flu has so far only been highly contagious in one city of the world. Most of the deaths occured in Mexico or a small number of people who had been to Mexico City. If you were running tests, you would of course not want your tests to accidentaly kill off a large percentage of the human race, you would want it to be in  controlled environment, particularly one where your countries citizens were a vast minority.

It is common public knowledge that the US military does research into infectus diseases and according to The Frederick News, Fort Meade is investigating the possibility of missing virus samples fromthe U.S. Army Medical Research Institute of Infectious Diseases. It doesn’t take any stretch of the imagination to consider wht the Army would have such an Institute. You could ligitimately suggest that they need this in case other countries or terrorist groups decide to engage in bio-warfare and of course in order to understand how to defend against such attacks you would of course have to know how to create the viruses.

The web is littered with sites like Freedom Watch saying that since 9/11 the US has been preparing for further terrorist attacks and that biological warfare would make a lot of sense. Many of these sites appear to be from civil liberty organisations and while many of them are based on reasonable foundations, there are obviously many that appear on the redneck fringe.

Nevertheless, this type of warfare of sorts has been documented for thousands of years, with the first known use of biotics was from 1500 – 1200 BC where Hittite texts suggested the use of ergot being used to deliberately contaminate water wells. Ergot was the same hallucinatory that is said to have been the foundation of the Salem witch trials, where the rye was contaminated causing LSD like hallucinations. So the concept is nothing new.

I spent quite a lot of time looking for any credible authority that suggests that there is any credibility to this possibility, but they all seem to quote Freedom Watch and similar sites as their source.

So was Swine Flu N1H1 man made? I doubt it. Is it possible, of course. Could a virus like this be mutated and used by terrorists or foreign governments as a military weapon, absolutely.

So back to the future. According to NZ Herald, the current list is now over 6,600 people in 33 countries, including over 70 deaths. The media in the US keeps saying they aren’t seriously concerned at the moment because summer is coming and the bacteria doesn’t survive for long in warm temperatures. Of course in New Zealand we are now heading into the flu season and there are currently around 400 people in isolation as I write this blog. A bit different to the bird flu we were worried about.

In one of my next blogs I will see what I can find out about the 2nd wave. Traditionally these sorts of viruses come back again in waves with the waves often having mutated and being far more virulent than the first and this is one of the problems for the makers of Tamiflu, because the antivirus they make now in massive quantities, might be powerless against the next wave of the bug. Will the 2nd wave start down under, or will it come in 4-5 months on the Amercian continent. Will we be ready for it?

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:)

For the last word, lets look inside a Mexican Swine Flu Isolation Ward.

The Decline of the Radio Station


Auckland got a new radio station yesterday Big FM. I was interested to see how they will position themselves as unique, because in my humble opinion there is not much difference from one radio station to the next. My first impression was a cross between classic hits and classic rock, but I’ll have to let them grow for a while to find out what their identity actually is. The problem for me and for them is that I no longer listen to much radio.

In New Zealand we really struggle for variety. Pretty much everything is mainstream and the reason for that is that we have a small population, only a little over 3 million people over the age of 18 and a total of only 4 million. There is no venue for special interest music such as jazz, blues, country, world and alt on our airways. Cool Blue Radio was around fora while which had a mix of jazz, blues and country and no DJ’s, but this now only exists on the net, where it competes with every other radio station around.

Radio in some ways mirrors the ails of the recording industry. It does very little that is new and doesn’t even use much of today’s modern technology. Everything is mainstream, there are no thought leaders, visionaries or radicals any more. Back in the day we had pirate radio stations like Hauraki, Veronica and Radio North Sea which captured the rebel in us, played great music but also challenged the norms of society. The problem is that today everyone is PC, the challengers of the past are the conservatives of today.

There are lots of things that radio stations could do. Yes, some are showing webcams of the studio, most have streaming radio on the net and some go further with things like background or in depth coverage of news stories, but that is about as far as it goes.

In New Zealand there are less than a handful of radio stations that effectively use the RDS band. RDS is the text area on your radio, especially in your call that provides information such as the station identifier. In Auckland only Radio ZM uses this to tell you the artist and name of the song. Some stations like George FM have info about the DJ’s, a song or text in promotion, but that’s about it. I was dissapointed to see that the new Big FM doesn’t do anything more than the station identifier. There is so much that they could be doing to be more modern and in tune with the world.

A while ago I wrote about new technologies coming to your car including Satellite and HD Radio. Recent news is that there are (as usual) battles over which sort of satellite radio system to use and as to HD Radio, which is being test broadcast at the moment, and the concensus in the industry is that it will be a long time before these technologies become commonplace. I also wrote about the fact that record companies have been ripping us off for years and not giving us value for money which started as a post about Ringo Starr’s innovation with the Live 8 Flash Card.

A few weeks ago I was approached to do a radio diary. You know the survey diaries they use to show marketshare of the radio stations by demographics and total listeners. I couldn’t do it because these days I hardly ever listen to the radio. I listen to podcasts all the time. Some of them do come from radio stations, but not local ones. I listen to Digital Planet from the BBC, The Music Show from ABC National Radio in Australia, Radio Free Amsterdam and the list goes on. As well as feeling like I have a relationship with the DJ, they use new technology, they are almost advertising free. On my Ipod I see images, have links to artist information and other enhanced services to go with these programs as well as in some cases also video.

A key thing with podcasting is that I can listen to pretty much anything I want. Every kind of music is available for free. Many people don’t realise the range of podcasts that are available and think they have to buy music if they want to use iTunes, but the reality is that if you have an eclectic taste, or just feel like listening to a particular genre right now, that you can do it. In the past I would have the radio on all day when I was at home. Today I rarely even listen to my CD’s, even though I keep buying them:).

We have lots of great artists coming to New Zealand for concerts this summer and I am trying to work out which ones I will stretch my budget to see. In the past I would listen to their promotions on the radio. Now I can go to YouTube and listen to dozens of tracks from all of these artists, including lots of live show clips so I can see if they actually put on a show which is worth spending hundreds of dollars on.

Even if I don’t watch the video clips I can effectively listen to anything I like and I have struggled to come up with any songs or artists I can’t find on Youtube, including myself. If I want to explore a theme, like Christmas, or pretty much anything, or listen to artists similar to a band I like, I can go to Ilike and have my very own personalised radio show, where I can rate the songs I listen to and it becomes more and more the station that plays ecactly what I want to listen to. If you want to hear other artists that sound like me you can go to Ilike and key in Luigi Cappel and you will hear at least one of my songs and then other artists of a similar ilk.

So if you are program director for a radio station, what are you going to do to compete with the Internet? How are you going to get me back to listening to the radio, so that you can sell advertising and put bread on the table? I have to tell you, you are doing a pretty poor job right now, The way you do things right now might do ok for breakfast radio, maybe drivetime (with real time traffic) and talkback, but beyond that, you are competing with products that are far better targetted and if you don’tdo something about it, you may have to look for a new job. If we do get Satellite Radio sorted (and the shelves of retailers in the USA are littered with receivers) consumers are going to have an international choice. They can find the stations that they relate to and I suspect that the percentage of people listening to local radio will rapidly diminish unless you wake up now. Don’t be like the record companies, hide your head in the sand and wake up one day wondering what happened!

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:)