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What is Last​.fm? A convert’s guide to the social music revolution

After much badger­ing by my col­leagues and my dad, who is depend­ing on me to explain what the big deal is, last week I finally got round to sign­ing up to Last​.fm.

For those of you who have some­how missed word of this social music revolu­tion, Last​.fm is an inter­net radio and com­munity music site foun­ded in 2002. The site exists to help users build up their own online lib­rary of music ‘organ­ic­ally’, through pro­act­ive user pro­files, radio streams and recommendations.

Just as Face­book has altered the way we use the inter­net and make and main­tain social rela­tion­ships, Last​.fm is chan­ging the way we use the inter­net and listen to music.

In the same way that Google helps you to find just exactly what you want on the inter­net, Last.fm’s algorithm can help you to uncover the most amaz­ing gems – old and new – that you’d only have found through sheer chance oth­er­wise,” enthuses Living writer Tamsin H.

And – better than Google – the more music you and every­one else who is part of the com­munity plays, the cleverer it gets at under­stand­ing your taste and how it relates to every­one else’s.”

Sounds good? Famil­i­ar­ise your­self with Last.fm’s favour­ite func­tions and get started.

The Scrob­bler

The easi­est way for Last​.fm to get to know your musical tastes is by installing a clever little applic­a­tion called ‘Audi­o­scrob­bler‘. Down­load the system onto the PC you use to sync your iPod or manage your MP3 player, and let it work its magic – trans­fer­ring details of all your favour­ite artists and tracks into your Last​.fm lib­rary. It will even make a note of how many times you’ve listened to each artist and create a chart of your most played tracks – stats that one can become obsessed with.

Radio sta­tions

Now you have your lib­rary, you can listen to your own radio stream, which com­prises tracks by your favour­ite artists – some of which you’ll have and some you won’t. While listen­ing, you can add any of the tracks to your lib­rary to listen to again and again. You can also listen to other user’s radio streams. The ‘Your Neigh­bour­hood ’stream con­nects you with users of sim­ilar musical per­sua­sions and plays tracks from their lib­rar­ies. And each artist has their own radio sta­tion, stream­ing music by sim­ilar artists. All great ways of dis­cov­er­ing new music.

Recom­mend­a­tions

I like it because it recom­mends new music to me without making stupid jokes or asking me to phone in – loads better than an ordin­ary radio sta­tion,” said another of my Last.fm-loving friends. Indeed, the beauty of Last​.fm is that the more you use it, the better it becomes at recom­mend­ing new artists for you to explore. It does this based on your lib­rary and your most played and most loved tracks, which you can edit. You can also send and receive recom­mend­a­tions to friends.

Artist pro­files

Each artist has their own page com­plete with biog, details of upcom­ing tour dates and sim­ilar artists and top tracks and videos for you to play, add to your lib­rary or buy for your iTunes account. A feast of inter­act­ive inform­a­tion for music lovers.

And finally…

Learn some­thing new

If you get stuck into Last​.fm, you can learn some­thing new every day. Since I signed up, I have become a font of TV theme-​​tune trivia. Were it not for the user com­ments on the site I would still be unaware that Gene’s ‘Save Me, I’m Yours’ was used as the soundtrack to a Por­tuguese soap opera for teen­agers. I would also be in the dark over who wrote the open­ing music to north­ern Sunday night drama Where the Heart Is – it is a 2000 Prefab Sprout composition.

And don’t just take my word for it – below are a col­lec­tion of rave reviews from Last​.fm converts:

“I like the stats, read­ing the artists bios and read­ing peoples com­ments on songs and albums I love. It’s also great to be able to play your lib­rary and get recom­mend­a­tions.” Ben A

“Of all the social media whizzery that’s sprung up in recent years, I think last fm is one of the most imme­di­ately sat­is­fy­ing and yet least fad­dish. Once you’re using it, its intric­a­cies and delights reveal them­selves. I’m sure people will be using it in many as-​​yet-​​unthought-​​of ways in years to come.” Charlie P

“I like the stats, but I love that it recom­mends new music – great expos­ure for the little guys who might not get the radio play they deserve. Also, it’s one of few sites that provide such a useful ser­vice, all for free! Well, mostly free.” Randip D

“It’s about dis­cov­er­ing new music for me via the artists radio sta­tion option. I also like being able to send and receive recom­mend­a­tions to friends.” Simon M

I like it because it’s simple to use and it even updates your play list when you’re play­ing music from your com­puter. A great way to dis­cover new music.” Anouck M

IMAGES by Flickr users

Sister 72, ooOJasonOoo & Hryck.

Ori­gin­ally posted 2009-​​01-​​17 21:06:00. Repub­lished by Blog Post Promoter

TV adverts make consumers buy useless products">TV adverts make consumers buy useless products

New Year is tra­di­tion­ally about resolutions.

I’m making one to be less of a dumb con­sumer. To think twice before believ­ing the rub­bish punted at me by big-​​money mar­ket­ing cam­paigns. Here’s my list of stuff that abso­lutely no-​​one really needs that was advert­ised on TV ad-​​nauseum over the Christ­mas break.

Can you add any others?

1) Plug-​​in air freshen­ers
Have you ever smelt any of them? They are cloy­ing, sweet and slightly headache-​​inducing. You can also set them to squirt out blasts of fra­grance at reg­u­lar inter­vals (so the can­is­ter gets used up REALLY fast.) Has anyone ever had a prob­lem with a bad odour in the house that couldn’t be remedied in less than 5 minutes?
A few sug­ges­tions:
- If you’re frying fish or boil­ing cab­bage shut the kit­chen door
- If you’ve made an unpleas­ant in the bath­room, open the window. I know it’s cold out­side, but you can close it again in 5 minutes
- If the dog’s basket smells, wash the blanket inside it or buy a new basket (or wash the dog)

2) Bio-​​active yoghurt drinks
Appar­ently these little pots con­tain forms of ‘friendly bac­teria’ that aid diges­tion. The vari­ous com­pan­ies that push them at us have given them pseudo-​​scientific names. Ridicu­lous things like Bac­terium Kee­pur­eg­u­lum or Bifidus Unblockus or whatever. Of course they’re made-​​up – they’re often trade­marked terms cre­ated to cloak these products in scientific-​​sounding waffle. The c-​​list celebs endors­ing them (always female) tell people that they felt ‘bloated’ before trying this wonder-​​product. This is clearly a word that has been focus-​​grouped into the ground as it’s used repet­it­ively. Research has shown that these products might help cer­tain people with par­tic­u­lar digest­ive ail­ments. But not anyone else.
A sug­ges­tion:
- If you feel ‘bloated’, change your diet. Try eating more fruit and veget­ables and fewer Indian take-​​aways

3) Coffee made with cap­sules
Another big brand com­pany is push­ing these hard – with a ser­i­ously high pro­file celebrity actor head­lining the ads. In the ads gor­geous women keep dis­tract­ing his atten­tion by asking him if he really is the celeb they think he is and steal­ing the last cap­sule of coffee. But it’s the cap­sules that are the import­ant bit. Buy one of these machines and you’ll be forever locked into buying the cap­sules – one for every cup of coffee you drink. Accord­ing to the brand’s web­site these cap­sules cost 25p each – for just the one espresso. I’m not going to do the com­plex maths right now just make…
A sug­ges­tion:
- Buy a tra­di­tional Italian stove-​​top coffee pot and some top grade arab­ica. It will save you a fortune.

4) Bottled Water
Reg­u­lar read­ers will know that I write a lot about travel. Air­ports and planes are dehyd­rat­ing places. Back in the old days before air­port secur­ity became so strict I’d carry a bottle of water with me from home. These days it would get taken away within 20 yards of secur­ity. I still carry a bottle now – but it’s empty. I fill it in the loos (or if they provide them from the water foun­tains) once I’m through secur­ity. Would be nice if all air­ports had water foun­tains wouldn’t it?
Anyway, I just don’t ‘get’ bottled water. It has to be one of the most ridicu­lously over­blown products on the market. The stuff out of the tap is com­pletely safe to drink and it tastes just fine 90% of the time. And think of all those plastic bottles piling up? Ugh.
A few ugges­tions:
- If you really can’t bring your­self to drink water straight from the tap, buy a water filter jug.
- Take an empty water bottle with you when you travel.

So – what over­mar­keted stuff are you plan­ning to stop buying in 2009?

IMAGES by Flickr users

procsilas and ralphbjiker

Ori­gin­ally posted 2009-​​01-​​07 20:28:00. Repub­lished by Blog Post Promoter

A leaking pipe emergency

Well, bad plumb­ing has caught me up, but not in the way I expec­ted. A couple of weeks ago I was unwise enough to tempt the home improve­ment gods by talk­ing about some plumb­ing work before it had been suc­cess­fully com­pleted. The good news is, my plumber turned out to be excellent.

The bad news is that my ori­ginal plumb­ing has turned out to be less so, and yes­ter­day even­ing a cent­ral heat­ing pipe under my kit­chen floor sprang a leak. After a few attempts to get pres­sure back into my boiler, my down­stairs neigh­bours star­ted to get rained on, and my plumber had to put in an emer­gency visit.

At the moment, the leak is stopped and the floor is up while we wait for the ceil­ing below to dry out. As you can see, it doesn’t make for a spot­less kit­chen, but I’m hoping that there’s no per­man­ent damage to the floor or my neighbour’s newly-​​redecorated room below it.

The hard­est part is shelving the extra­vag­ant dinner parties I would clearly oth­er­wise be having.

Ori­gin­ally posted 2008-​​08-​​28 07:01:00. Repub­lished by Blog Post Promoter

Green options for de-​​icing your car this winter

Ever poured a kettle full of boil­ing water on an icy wind­screen? It is, if you’ll for­give us, a crack­ing start to the day.

It’s likely that many who have exper­i­enced this spe­cial moment – not to men­tion having to stump up the excess on the car insur­ance – have reached for a can of spray de-​​icer ever after.

But in the spirit of stick­ing all our most cher­ished habits under the green spot­light, we’ve been won­der­ing: what’s the green­est, wind-​​screen-​​friendliest way to clear that wintry crust?

Con­ven­tional de-​​icing spray doesn’t appear to hold too many nas­ties – ethyl­ene glycol is per­haps the most com­monly used anti­freeze ingredi­ent and while it is toxic, it’s not regarded as a major pol­lut­ant in the small amounts in which it’s used on vehicles. How­ever, some of the most pop­u­lar brands of de-​​icer do con­tain sub­stances deemed harm­ful to aquatic life – pre­sum­ably not the ideal thing to be run­ning off your car and into the drains.

So what are the altern­at­ives? Leav­ing the engine run­ning for ten minutes to get things warmed up seems a little CO2-​​heavy – not the green­est option.

Salt is a power­ful, nat­ural de-​​icer, but it’s about as good for your car’s paint­work as seagulls unbur­den­ing them­selves over­head (and again not great when flow­ing into fresh water­courses) – a big no-​​no.

A slightly heated dis­cus­sion (for­give us) at Money Saving Expert includes sev­eral com­ments pro­mot­ing luke­warm water. Unlikely to crack your wind­screen, but if the air tem­per­at­ure is really cold, any added water can refreeze quickly and leave you with more ice. Patches of water freez­ing around your car park­ing space may also pose a threat to others, or to you when you get home.

But the (for­give us again) hands-​​down winner is, it seems, the good old-​​fashioned ice scraper – no water-​​heating, man­u­fac­tured chem­ic­als or icy puddles, just elbow grease required. Worth equip­ping your­self with a sturdy model though – some of the cheaper ones seem to fall apart as soon as they have to tackle any­thing more than a fros­ted mist.

Have we missed any­thing? Let us know your tips for keep­ing the car ice-​​free this winter.

More winter driv­ing advice.

IMAGE

by Flickr user Mash Down Babylon

Ori­gin­ally posted 2007-​​11-​​19 00:46:00. Repub­lished by Blog Post Promoter

Blog Action Day: What does climate change mean to you?

This morn­ing I’ve been lucky enough to be out in a beau­ti­ful garden in the com­pany of a good friend. All in the name of work you under­stand – I’m research­ing plants for a pro­ject, and my friend is a pro­fes­sional gardener. But under a blue sky, with the leaves turn­ing and wag­tails busy­ing them­selves on the lawns, it felt more like a guilty pleasure.

On days such as these, it’s easy to forget that the cli­mate as we know it is in trouble. Yet as I plun­der my friend’s hor­ti­cul­tural knowhow for all it’s worth, I’m reminded.

Because as I attempt to fit the names of the plants he recom­mends into neat sea­sonal boxes, he men­tions that many of the flower­ing times in the ref­er­ence books are out of date. He says that the cli­mate has changed so much in the 20 years he’s been garden­ing that some of the tried-​​and-​​tested rules, which held true for gen­er­a­tions, no longer seem to apply.

With our infam­ously unpre­dict­able weather, Brit­ish garden­ers have pre­sum­ably long been fatal­istic about the pro­spects for their plants from one year to another. But if weather is a game, rapid cli­mate change is the pitch shift­ing under­neath it – making it harder for anyone to pre­dict the result.

For the birds

I’m not much of a gardener – ask my neigh­bours – so I’m in no pos­i­tion to verify my friend’s obser­va­tions with per­sonal notes of my own.

How­ever, I have been a fairly obsess­ive bird­watcher since the age of nine – that’s nearly 25 years ago – and have fol­lowed the chan­ging for­tunes of the birds over that time. And it’s clear that something’s afoot.

Exhibit A: the Chiffchaff, a small green warbler with a sweet two-​​tone song, which is usu­ally our first summer-​​visiting song­bird of spring. But while most of our Chiffchaffs still travel up from the win­ter­ing grounds around the Med to spend the summer here, more and more don’t seem to migrate at all, or actu­ally arrive from else­where in Europe and spend the winter here.

That means in mid-​​March, when you would tra­di­tion­ally have expec­ted to have heard the first one of the summer, it’s hard to be sure that you’re not listen­ing to a bird that’s actu­ally the last one of the winter – or even the one that never bothered going anywhere.

Sim­il­arly some res­id­ent birds on the north­ern edge of their range in the UK – Dart­ford Warblers, Wood­larks, Cetti’s Warblers – are spread­ing from former toe-​​holds in the south of Eng­land to col­on­ise fur­ther and fur­ther north, spurred on it seems by a suc­ces­sion of mild winters.

So far, so what? These are all birds that seem to be doing better, at least on our shores.

But then there’s the bad news: rap­idly dis­ap­pear­ing summer birds, mainly those with long migra­tion routes, such as Cuckoos, Turtle Doves and Spot­ted Flycatch­ers. I remem­ber these birds as common when I was grow­ing up in the 80s – now if see or hear one it’s worthy of a geeky blog post..

The jury’s still out on the exact causes of these phe­nom­ena – local prob­lems in the African win­ter­ing grounds and the shoot­ing of migrants around the Medi­ter­ranean may be more or less respons­ible . But it seems entirely likely that a change in cli­mate in one or more points along their mara­thon jour­neys is making that twice-​​annual phe­nomenon even more dif­fi­cult to complete.

Blog Action Day

Today is Blog Action Day: a move­ment aiming to make con­nec­tions about issues that matter. Today I’ve read blog posts from all over the world – some bril­liant, some dreary. One that caught my atten­tion was by DFID (now UKAid’s) Martin Leach about the plight of farm­ers in East Africa, and his wor­ries for how cli­mate change could worsen cir­cum­stances already shaped by war, famine and poverty.

But for me, and I sus­pect for many other people, it’s appre­ci­ation of what sur­rounds us every day that’s most likely to change the way we behave. For some, that might be their garden. For me, it’s the birds that migrate to Africa at this time every year, and return in dimin­ish­ing num­bers the fol­low­ing spring – tied to the for­tunes of the land and people along the route their spe­cies has chosen for thou­sands of years.

The ques­tion is: can we change our route?

Start­ing with energy

Cli­mate change is the big driver behind our energy-​​saving chal­lenges, which we’re under­tak­ing this month and beyond in a bid to find out what really makes a dif­fer­ence to our carbon foot­prints (and elec­tri­city bills). You can follow our pro­gress on the energy sec­tion of Living, and via Twit­ter.

And if you watch one six-​​minute video this Blog Action Day, watch DECC’s new cli­mate advisor David Mackay explain exactly how big the energy chal­lenge facing the UK is – in light bulbs.

How Many Light Bulbs? from Cam­bridge Ideas from Cam­bridge Uni­ver­sity on Vimeo.

Top image (globe) by Flickr user JohnLeGear
Swal­low on wire image by Flickr user Dave Hamster

Ori­gin­ally posted 2009-​​10-​​15 23:39:00. Repub­lished by Blog Post Promoter

Top green tips for getting kids back to school

Has there been enough sun­shine to jus­tify an end to the summer hol­i­days just yet? Argu­ably not. Nev­er­the­less, the new school year is almost upon us, and it’s not going to wait to see if the weather improves.

More than ever before, there are some great ideas around the web for inject­ing this year’s back-​​to-​​school routine with some green juice. We’ve been scout­ing around for the best – here’s what we found.

Eco­street’s green back-​​to-​​school guide is full of organic, recycled and fairly-​​traded sug­ges­tions. Our favour­ite find is the Laptop Lunch box, which has lots of little com­part­ments for dif­fer­ent foods. It should reduce the amount of pack­aging you send the kids to school with (although you may have to keep tabs on all those plastic boxes).

One of the biggest demands on a parent’s wallet can be school uni­form – chil­dren do have a habit of grow­ing uneco­nom­ic­ally fast. In the Guard­ian, Matt Gribble (great name) recom­mends trying ebay and Free­cycle - the latter makes par­tic­u­lar sense, as groups are arranged geo­graph­ic­ally. Someone in your area may well want to pass on a barely-​​used piece of kit dis­carded by their rapidly-​​enlarging offspring.

For some, mild Septem­ber weather could be the right time to turn over a new green leaf when it comes to the school run. A stag­ger­ing number of chil­dren are driven to school, even when they live within easy walk­ing dis­tance, but with increased con­cern over children’s levels of exer­cise as well as CO2 emis­sions, the back­lash has star­ted – see the Walk to School site for inspir­a­tion and prac­tical advice.

And if you really want to get stuck into green­ing the very fabric of your school, there are extens­ive resources at Sus­tain­able Schools.

IMAGE by Flickr user

dcJohn

Ori­gin­ally posted 2007-​​08-​​31 22:08:00. Repub­lished by Blog Post Promoter

Find out about music with Spotify

Inter­net music. To my ear, it never sounds quite right. Oxy­mor­onic, even.

But then I’m someone who didn’t even embrace CDs until the mid 1990s, at the point when every­one else had moved on to hurl­ing min­idiscs out of sky­scrapers to demon­strate the incor­rupt­ib­il­ity of the future.

So, as a glee­ful tech­no­lo­gical Lud­dite, not to men­tion a mean-​​spirited musical misery-​​guts, I was a good test sub­ject to try out the won­ders of Spo­tify, the newest way to enjoy music instantly – and leg­ally free – online (no downloads).

It prom­ises “A world of music”, though after watch­ing the intro­duct­ory video, fea­tur­ing a user adding a song to a “dinner party” playl­ist which was headed up by a five track Cold­play blitz, I wasn’t sure it was a world in which I wanted to live. Was I too hasty?

What manner of beast?

So what does Spo­tify do? Well, as a new user to inter­net radio sites, I was happy that I was able to get my head around it fairly quickly.

I was lucky enough to get an instant invite from a friend. Early users are gran­ted imme­di­ate access – oth­er­wise you may have to register your email with Spo­tify to wait for a free invitation.

At its core is a user-​​friendly ‘radio sta­tion’ which cranks out music based on your spe­cific­a­tions. You select from a range of 18 music genres in decade-​​long time frames, ran­ging from pre-​​1950 to 21st Century.

For instance, if you har­bour a par­tic­u­lar love of 90s altern­at­ive music, you can con­tent your­self with the ran­dom­ised selec­tion which Spo­tify will pump forth from those narrow criteria.

How­ever, if you wanted to explore beyond this, you can try expand­ing the time frame from the 80s to the present day, or throw an inter­est­ing coun­ter­point of coun­try or hip hop into the mix.

And this is where it becomes clever. As well as nat­ur­ally alert­ing you to albums and artists you have never heard of within your par­tic­u­lar interests, by throw­ing vari­ous genres and time frames into the melt­ing pot you can sit back and exper­i­ence a genu­ine musical education.

In addi­tion there is a fea­ture which takes any artist and sug­gests sim­ilar bands, allow­ing you to play a ‘radio sta­tion’ ded­ic­ated to the spirit of your favour­ite singer.

It doesn’t go any­thing like as far as Last​.fm (explored recently by Jo) in terms of the over­all pack­age it offers, but for some people this could be part of the attrac­tion. I have a faint horror of an algorithm telling me what I may?

Ori­gin­ally posted 2009-​​02-​​11 16:17:00. Repub­lished by Blog Post Promoter

What is micro-​​insurance?

In the UK, we take for gran­ted the concept of insur­ance to pro­tect our life­styles and pre­serve some of the com­fort and cer­tain­ties we have in our daily lives.

But for many people around the world, that’s not the case.

His­tor­ic­ally, many people in devel­op­ing coun­tries have struggled to access afford­able insur­ance that matched their needs.

But now tech­no­logy, and the recog­ni­tion that insur­ance is increas­ingly import­ant in the face of cli­mate change, is spur­ring renewed interest in find­ing sys­tems that work.

The push for micro-​​insurance has begun.

What is micro-​​insurance?

Micro-​​insurance is cover with low premi­ums and low cov­er­age limits, designed to be afford­able to those who have tra­di­tion­ally been dis­en­fran­chised by main­stream products.

Micro-​​insurance policies often provide cover for life, crop fail­ure, and health – import­ant issues for all of us, but even more cru­cial for those whose abil­ity to feed them­selves and provide for their fam­il­ies can quickly mean the dif­fer­ence between life and death.

One of the main products – credit life – ensures that a policyholder’s death does not mean his family will be left with crip­pling debts for credit he took out.

The main dif­fi­culty is find­ing the right bal­ance, so afford­ab­il­ity still means suf­fi­cient pro­tec­tion for the poor.

A new concept?

Not accord­ing to some experts, though the term itself is fairly new – first crop­ping up in print in 1999.

Prior to this it had been used during the 1990s as an exten­sion of micro-​​finance – a term which refers to the pro­vi­sion of fin­an­cial ser­vices to people on a low income, offer­ing them access to credit, sav­ings and fund transfers.

But accord­ing to the Micro Insur­ance Net­work, there have been examples of what we might call micro-​​insurance dating back to the 19th Century.

Indus­trial life insur­ance – low cover life insur­ance – was being sold and weekly premi­ums col­lec­ted door-​​to-​​door in the UK and the US towards the end of the 1800s.

And it is still in prac­tice today, gen­er­ally offer­ing a very low death bene­fit (less than $1,000). Des­pite being aimed at people on a low income, indus­trial life insur­ance has attrac­ted cri­ti­cism, as the reg­u­lar pay­ments can lead to poli­cy­hold­ers paying out over a number of years a sum far higher than the end value of the product.

Micro-​​overheads

To be useful and sus­tain­able for both insurers and the insured, Micro Insur­ance Net­work says that a stream­lined pro­cess is needed. This effi­ciency is import­ant so the pro­vider can keep down costs, and so the pay­ment and claims pro­cess is simple – and afford­able – for the policyholder.

Banks have often steered clear of cus­tom­ers with very lim­ited income, as the cost of man­aging accounts is com­par­at­ively high. In a sim­ilar way, micro-​​insurance has struggled to break even.

But with new tech­no­lo­gies allow­ing for increas­ingly easy and effi­cient admin­is­tra­tion of policies, costs are coming down. Some even believe micro-​​insurance could be prof­it­able – even if that’s not the main reason for provid­ing it.

In the field: the MicroEn­sure approach

MicroEn­sure, a sub­si­di­ary of not-​​for-​​profit organ­isa­tion Oppor­tun­ity Inter­na­tional, claims to be the world’s first insur­ance broker for the poor. Based in Chel­ten­ham, it works with a range of organ­isa­tions such as rural banks, char­it­ies and those provid­ing micro-​​finance, and believes the tide is turning.

Peter Lomas, MicroEnsure’s vice pres­id­ent of com­mu­nic­a­tions and media rela­tions, says that health insur­ance is some­thing the poor have not pre­vi­ously had access to.

They pay one or two dol­lars a month and we make a very few cents on each policy.

We are set up as a for-​​profit organ­isa­tion, but we try not to make a huge profit – the object­ive is to be sus­tain­able for our clients.”

While the people who use the ser­vice tend to live on very lim­ited amounts of money, they are nev­er­the­less eco­nom­ic­ally active – a situ­ation that micro-​​insurance seeks to sta­bil­ise and safeguard.

One of the more inter­est­ing ways in which micro-​​insurance can do this is through cov­er­ing the crops farm­ers produce.

Last month, MicroEn­sure launched its first weather index crop insur­ance in India, provid­ing 4,000 small­holder rice farm­ers with pro­tec­tion against the extremes of drought and heavy rain.

The idea is to see the farm­ers in the Kolhapur dis­trict of Maha­rashtra through the primary grow­ing season, which runs from June to Octo­ber. And if this year’s pilot scheme is a suc­cess, it could be rolled out to a much larger number of farm­ers in 2010.

A strik­ing fea­ture of the scheme is its sim­pli­city – instead of the policy-​​holders having to fill out a claim for their losses, an auto­mated pay-​​out is triggered by read­ings at a weather station.

It’s an approach that’s also been used to pro­tect 2,000 rice farm­ers in the Phil­ip­pines.

Satel­lites track the pro­gress of typhoons, and GPS loc­a­tions are used to auto­mat­ic­ally make scaled pay­ments to farm­ers depend­ing on how close they are the centre of damage.

Peter hopes that crop insur­ance will not just provide farm­ers with greater secur­ity, but will enable them to develop their live­li­hoods – as insur­ance is often a pre-​​requisite for access to finance.

Micro-​​insurance – big future?

The early schemes are being watched care­fully – the UN believes the approach could under­pin adapt­a­tion to cli­mate change in Africa, Asia and Latin Amer­ica.

It helps with diversity of crops and even allows farm­ers to diver­sify into other areas, like milling,” says Peter.

And that helps enable a much more stable rural eco­nomy, so people don’t have to leave to go to the city.”

The key is keep­ing the run­ning costs – and premi­ums – at a min­imum. But with auto­mated sys­tems such as the typhoon alerts, and plans to use mobile phones to upload data direct from poli­cy­hold­ers even in remote loc­a­tions, the future for micro-​​insurance could be big.

The 5th Inter­na­tional Micro-​​insurance Con­fer­ence will take place in Dakar in November.

Header image

by Flickr user m-​​louis.
Women plant­ing rice by Flickr user mackaysavage, Rice stripper-​​harvester by IRRI Images, Typhoon satel­lite image Jeff Schmaltz/​NASA.

Ori­gin­ally posted 2009-​​07-​​17 13:11:00. Repub­lished by Blog Post Promoter

Bah humbug… is it Christmas already?

Just for the record I wanted to point out that Christ­mas is 6 whole weeks away.

Maybe I’m becom­ing a boring old stick in the mud, but it feels like Christ­mas starts earlier every year. Is it because of the credit crunch or do the shops always put up the tinsel and baubles in late October?

All rise for DFS! Winner of my prize for most ridicu­lously early Christ­mas ad which I saw on TV a full three weeks ago com­plete with sleigh bell soundtrack. Inter­est­ingly one of my friends com­men­ted on it on her Face­book status too which made me feel I wasn’t the only one to feel affron­ted. (I mean ser­i­ously. Do you think I’m that sad? Am I going to dash out and buy a new sofa NOW – just so I can have it in time for Christmas?)

Even the town coun­cil here has got in on the act – the Christ­mas lights are swinging above the streets already. We haven’t even done Guy Fawkes yet – poor bloke he must be gutted.

So, I’ve made a decision that this year I am not going to buy any Christ­mas presents from com­pan­ies advert­ising Christ­mas deals before the end of Novem­ber. Wonder if there will be any retail­ers left I can buy from? Hmmm. Maybe that would get me out of buying Christ­mas presents com­pletely this year? Now there’s an idea…

IMAGE http://​www​.flickr​.com/​p​h​o​t​o​s​/​4​0​2​2​1​9​4​1​@​N​0​0​/​2104624897″ onclick=“javascript:pageTracker._trackPageview(‘/outbound/article/www.flickr.com’);” target=“_self”>by Flickr user krisdecurtis

Ori­gin­ally posted 2008-​​11-​​03 18:49:00. Repub­lished by Blog Post Promoter

Neither fish nor Phelps

Michael Phelps, or ‘freaky Phelps’, as some of the tabloids have so kindly named him, is everyone’s new favour­ite sport­ing hero.

Com­pet­ing swim­mers giving it their all against the aquatic power­house are ridiculed by com­ment­at­ors. “He has the auda­city to try and catch Phelps,” one exclaimed, prob­ably fol­lowed by a muttered “fool­ish boy”. And Phelps him­self just seems to be show­ing off now. “For my next trick I’m going to win this race…with water in my goggles!”

For those who have been living in a galaxy far, far away, let’s just recap: the 23-​​year-​​old Amer­ican has won the most gold medals of an Olympic ath­lete in the modern Olympic era, having already bagged six Golds in Beijing – all in record time of course.

So incred­ible is his ath­leti­cism that some have become sus­pi­cious. “Well, his body is shaped like the hull of a boat,” one water-​​side com­ment­ator remarked, in a tone that insinu­ated Phelps was some­how cheating.

So the ques­tion must now be asked is: is Phelps in fact the first of some new aquatic/​human species?

He cer­tainly boasts many sim­il­ar­it­ies to some of the sea’s finest swimmers.

The dol­phin kick, in which swim­mers push off walls and swim under­wa­ter without moving their arms, is an import­ant move in pro­fes­sional swim­ming. Sim­ilar to how a dol­phin moves through the water, the swim­mer raises their hips and bends their knees with exten­ded ankles. Phelps, unsur­pris­ingly, in one of the best in the world at this move.

Indeed, Rus­sell Mark, bio­mech­an­ics coördin­ator for USA Swim­ming said that Phelps “prob­ably gets as close to anyone as having a more shark-​​like fin­esse in the water.”

Some swim­mers now wear ’shark skin suits’, which, made from slip­pery mater­ial, make them move faster in the water by redu­cing fric­tion and drag.

Phelps doesn’t need a suit – his body is made for the water. With ankles that bend 15 degrees more than the aver­age swim­mer and huge size 14 feet, he may as well have flip­pers. And, as has become a common obser­va­tion, the titanic torso of the world’s best swim­mer is indeed boat-​​like, allow­ing him to ride the water.

Edward Cussler from the Uni­ver­sity of Min­nesota said good swim­mers should have the “body of a snake and the arms of a gor­illa.” Phelps has a massive wing­span which is 3 inches wider than his 6 foot 4 height – I’d be scared if he star­ted beat­ing his mus­cu­lar chest. And with a long and slightly con­caved torso and highly flex­ible joints, I think snake could be added to the list of extraordin­ary anim­als Phelps resembles.

If any more evid­ence was needed that Phelps is some form of super­hu­man, he has a highly unusual tol­er­ance for pain. With very low levels of lact­ate – pro­duced when muscle cells use oxygen – after swim­ming, ‘freaky Phelps’ has a super– quick recov­ery rate.

This is the best spe­ci­men that nature has come up with in terms of swim­ming,” said Mel Stew­art, swim ana­lyst and former world-​​record holder.

Is it a bird? Is it a dol­phin? No, it’s Michael Phelps.

IMAGE by Flickr user

Fleur-​​design

Ori­gin­ally posted 2008-​​08-​​15 12:38:00. Repub­lished by Blog Post Promoter

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