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Not all driverless cars are the same, educate yourself on the five types

(TECH NEWS) Before you start saving for your next driverless dream, take a look at the various types of autonomous cars (there are many).

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The Jetsons coming to life

Driverless cars circa the 1980s were such a futuristic and forward-thinking concept that they were only fathomable through cartoon depictions like the Jetsons. Today though, engineers (who I’m supposing were hard-core Jetson fans) have created five levels of real life driverless that are even cooler than their cartoon counterparts.

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Tesla’s “Autopilot” feature, which boasts self-capabilities at safety levels greater than that of a human driver, is the closest us consumer’s will get to the Jetson experience thus far. In the meantime, self-driving cars with varying levels of autonomy are being publicly tested in states like California, Nevada, and Pennsylvania.

From self-parking to collision avoidance, there are an array of different features that will be made available to consumers. But before you start saving for your next dream, take a look at which kind is best for you and your futuristic needs.

Gauge the levels

Level 0
Zero automation

Simply put, your car is most likely a zero automation car. A human driver is required to operate and fully control the vehicle.

Level 1
Driver assisted/function specific

These cars are for those who don’t trust automobile’s with their lives. They still require a driver to operate the vehicle, but act as an aid to the driver, providing intelligent features that offer more convenience, safety, and comfort to the driver. This kind of car can send alerts regarding road conditions, environmental conditions, and potential obstructions.

Most commonly, Level 1 cars have features like lane keeping, automatic acceleration and deceleration in cruise control, and automatic stop to prevent collisions, while still requiring full control from the driver.

Level 2
Partial automation/combined autonomous functions

At this level, a self-driving automobile can perform two or more simultaneous tasks like steering, lane keeping, and speed maintenance while in cruise control mode.

Automatic lane changing and self-parking in parallel and perpendicular spots are also available in some cases. The driver in a Level 2 vehicle, unlike in the aforementioned descriptions, gives partial control to the automobile.

Level 3
Conditional automation/limited self-driving

In this case, the car assumes more than just partial control, and acts instead as a co-pilot.

Level 3 vehicles can manage most safety-critical driving functions in certain environmental conditions, like traffic jams on the highway.

Although the driver can relinquish a lot of tasks to the car, the driver must to be ready at all times to resume control.

Level 4
High automation

Level 4 vehicles are capable of performing all safety-critical driving functions while monitoring environments in defined-use cases without human intervention.

Here, drivers need to enter the destination and navigation details and the car will handle the rest. There is still a driver cockpit, but the driver is able to look away from the road, take their hands off of the wheel, foot off of the accelerator, and still be safe.

Level 5
Fully autonomous

This car, hence the name, does not require any effort or driving on behalf of the human owner.

There is actually no driving equipment in the car, and is instead designed to resemble comfortable environments like lounges and offices. The vehicle is in full control.

Get on their level

To satiate our obsession with all that is convenient, automated cars are expected to improve and become more complex as research and ideas develop.

If the engineers are true Jetson fans though, these improvements will reveal themselves as automated, flying cars just like theirs.

In the meantime, I’m going to stick with my Level 0 Honda and save for my Level 4 dream car. Which level would you drive? Let me know in the comments below!

#OnTheLevel

Lauren Flanigan is a Staff Writer at The American Genius, hailing from the windy hills of Cincinnati, with a degree in Marketing from the University of Cincinnati. She has escaped the hills, and currently resides in Atlanta, where you can almost always find her camping at a Starbucks strategizing on how to take over the world.

Tech News

For meetings that should be an email? There’s an app for that

(TECH NEWS) If you’re tired of having your precious work time taken up by useless meetings, there may be a solution.

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Have you ever attended a meeting that turned out to be a waste of time and set you back on your work? I’m going to go out on a limb here and assume that every person reading this article is nodding in agreement.

Meetings, if executed appropriately (and sporadically,) can be effective. However, having weekly (or even daily) meetings that are designed to catch-up or give reports can add up to a ton of wasted time.

Across the board, meetings are generally geared towards productivity, and oftentimes they are counterproductive. So, how can you still get that need for touching-base with employees while still being productive? StandupMeet might just have the answer for that.

StandupMeet is a tool designed to make meetings more productive and agile. According to their statistics, more than $37 billion per year are being spent on unproductive meetings.

The main features include: the digitization of meetings, the instantaneous sharing of minutes, and the ability to assign actions and keep track of progress.

By making the meetings digital, you organize meeting points in one place. Decisions, actions, and key points can be logged in real time and accessed before the meeting.

This makes projects more agile and helps to increase critical success factors.

With instantaneous sharing of minutes, you can collaborate and share minutes of the meeting, key result areas, and action points. This is also done in real time and is shared with colleagues to make sure that each person is on the same page.

Finally, by assigning actions and keeping track of projects helps to ensure data integrity and provides accountability to each team member. Automated reminders are available so that you can spend your time on the more valuable tasks first.

In addition, StandupMeet also offers: project wised meeting, customized meeting types, organized agendas, shareable meeting minutes, accountability, reminders to ensure time is being appropriately applied, recurring meetings, conflict-free meeting scheduling, locations, automated follow ups, automatically tracked action points, and flexibility across time zones.

This can save time and increase productivity for on-site workers and can also be beneficial for teams that are remote.

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Business Finance

Personal finance steps every freelancer must take to avoid ruin

(FINANCE) The government shutdown showcased financial instability, but what do people that have no paycheck guarantee need to do to be secure?

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In light of the recent government shutdown, there has been a lot of attention in regards to how missing paychecks impacts the average American. Most Americans don’t have a regular savings account and could not handle a $1,000 emergency, let alone miss practically a month of pay.

While things look positive for the backpay of those government workers, we all could benefit from some careful reflection about the precarious nature of our personal finances.

Particularly those of us who don’t receive a regular paycheck.

Entrepreneurs and those invested in the gig economy have volatile incomes, and literally no promise of a paycheck ever – that can impact your personal finances in a number of ways.

Variable incomes are normal for this group and can impact entrepreneurs in ways as simple as handling debt.

If this is you – here a few things to keep in mind that can help you deal with the volatility of living on a variable income and handling your personal finances.  

  • Set up an emergency fund. Start with 500 if you have too, and remember this an emergency fund for your personal expenses, not your business. If you have an emergency fund, make sure you identify what an emergency is and also be prepared to put money back when it comes out. If you have a hard time not spending money in front of you, put your money in a local bank or CU that you don’t have immediate access too.
  • Stick to a budget. when you can’t forecast your income appropriately, controlling expenses is so critical it’s the few things that are in your control.
  • Don’t mix business with personal. While you may be pouring your personal energy and time into your start up or gig, be careful about mixing expenses for two reasons: First, it messes up your budget. You need to have separate budgets for personal and business. Second, there could be tax challenges – consult a tax professional for more information. Here’s a little primer to get you started.
  • Save for retirement. There are tax benefits and come on, don’t wait till you can’t work anymore. Also, an IRA IS NOT AN EMERGENCY FUND.
  • Practice good financial behaviors. Automate bill pay. Online statements. Digital receipt tracking. The more you can automate your life, the better you are. You already have so many demands on your time, reduce that so you can spend more time doing what you love and what matters.
  • Consider diversifying your income. Either ensure you have multiple strings or a backup gig (even if it’s just uber driving); or be prepared to do temporary or contract labor during your slow seasons.

The path to entrepreneurship is rough. What we can learn from the very struggles of the federal employees and the government shutdown is that if the government can be unstable, those of you who work in the world of startups, gigs, and entrepreneurship, need to be even more on our toes. The “normal recommendation” for saving is 10% of your income, but normal may not be enough for you. Be prepared and save (more).

Disclaimer: I am neither a tax or investment professional. This is personal financial advice and I encourage you to visit a professional if you need more specific plans of action.

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Business Finance

Delivery startups skim customer tips to pay employees #wth

(FINANCE) Grocery delivery startups are flourishing, but stealing from employees isn’t a sustainable move…

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Popular grocery app Instacart has been using customers’ tips to pay its guaranteed $10/hour rate to employees, rather than using the tips as, you know, bonus money paid to workers on top of their normal pay. The way that you’d expect something called a “tip” to work.

According to the report, “Instacart confirmed that when its payment algorithm determines a driver should be paid below that guaranteed $10, the company uses the customer’s predelivery, ‘up front’ tip to cover the difference. The ‘up front’ tip is automatically set to 5% on the Instacart app; if the customer removes the tip, and the payout would be below $10, Instacart itself covers the cost.”

In this system, the customer’s tip for the deliverer subsidizes the company’s commitment to its employees. Once the change to the tipping policy was announced in workers began complaining about how it affected their earnings in 2017.

Even though the app’s customers have taken to social media to compare the policy to wage theft, the practice is actually legal. Because Instacart and other apps in the gig economy classify their workers as contractors instead of employees, they do technically still get 100 percent of the tips in their wages (even if the company doesn’t supply the same percentage of the wage they’d give the worker without the customer throwing in).

This kind of payment structure may be familiar to you if you’ve ever working in restaurants, bars, or another establishment that uses subminimum wages.

Sadly, Instacart is not the only grocery app that uses a dodgy tipping system. Shipt, DoorDash, and others have similar tipping policies. And they aren’t interested in changing them after all this week’s backlash.

If you’re concerned about making sure that you’re supporting the contractors for these grocery delivery services, some of the contracted workers have requested that you provide the tip in cash instead of tipping through the app and activating its algorithm.

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