Auto Insurers like Farm Bureau Financial Services Moving to Real Time Driver Surveillance (Updated 6/19)

by Allen Williams


Today's insurance market is simply the pits especially where automobile coverage is concerned. Consumer complaints are on the rise and even though one can get a feel for how he or she may fair under insurer policies from these complaints, there is little relief from industry abuses. One such example is Farm Bureau Financial Services of West Des Moines. Iowa, a holding company that has acquired a number of state farm bureaus through the years including Kansas in 2001.

Farm Bureau is a financial conglomerate that provides Home and Auto coverage through its subsidiaries as well as questionable innovative technologies like driveology'. View the FBFS Driver real time monitoring brochure here: (https://www.fbfs.com/insurance/auto-insurance/driveology) Whats that you may ask? Note that the company's safe driving software will be rating YOUR contribution to global warming as a qualifier for premium auto discounts.

We now live in a technological age where government and its affiliated partners can render total information control over every individual. Under real time driver management surveillance, most people will never qualify for any significant discounts. It will be nothing more than an intrusive incursion into ones privacy.

Farm Bureau has a history of making promises which never materialize. I was involved in several rate saving programs in the past promising discounts but about halfway through, a general rate increase nullified the discount. I even requested a 7500 mile travel limit option but it didn't result in any noticeable rate reduction as I wound up with double digit rate increases of 18%, 13.5%, 13% and 36% for the last four years.  See my complaint filed with Kansas Insurance Commissioner. The company raises insurance premiums on drivers with no accidents to help offset its uninsured loss claims.


As you might imagine in new technologies, the Farm Bureau website does not give any system details on its driver monitoring package. Their safety brochure mailed to potential insurance renewals is all the information that is available. They want you to talk to their agent where nothing promised is in writing to establish that the insurer wasn't acting in good faith in the event of future litigation. I'll define what that means a bit later.

Now before one can actually qualify for the kind of savings they hint at with their driver monitor (up to 30%) you need to own the right car. What might that be you respond? Well the advertisement I received with last years 13.5% rate increase infers that I may only expect to receive the maximum discounted savings IF my car qualifies. Now given the fact that Farm Bureau raised my auto rates 18% last year with no claims for the last 15 to 20 years that Ive been insured, I have to conclude that one must have the latest vehicle technology in addition to their software if any real savings are possible. So, what must a person do?

Well for starters I must accept their electronic surveillance package in my car (it could be as simple as a flash drive plugged into my cars USB port, if I had one) that would query and store my vehicles health, environmental and operating data.

Expect this to be a points based rating system not unlike trading carbon credits. For example, you just had a new CO exhaust monitor installed in the vehicle, that's +5 points but you also have a substandard performing catalytic converter and that's (-)50 points. Get the drift or am I going too fast?

In addition, the FB insurance system records how often the brake pedal is actuated, your distance traveled, the speed of the vehicle and if the driver is wearing a seat belt. I bet it will also test driver alertness on long trips as most new cars have a camera screen which is perfect for receiving visual messages and alarms from your driving safely monitor. It will send various messages that need to be responded to in a certain amount of time along the lines of a drunk detector on start-up which requires you to type in a random series of numbers in sequence in 10 or so seconds or you can't start the car. Remember, older drivers with arthritis and other physical impairments will be challenged to satisfy such tests. And, it would most likely result in a serious penalty (-)1000 points, etc in the driveology system if you fail it.

The Farm Bureau software surveillance system is capable of virtually infinite expansion as any new WIFI device can communicate with your vehicle WIFI. So say, there is a new device marker for a school zone, the marker will notify the FBFS system in your car enabling it to determine if you're speeding in that region, and if so (-) 100 points. And lets not forget that weather is available across the WIFI network which allows insurers to determine that you're driving too fast on wet slippery roads and then more point penalties. Also, they will know what you' re listening to on the radio and if you are texting because these are all WIFI access devices. And because most fast food restaurants also have WIFI, the company will be aware of what you're eating and drinking. This information will be sold to their business partners per their privacy notification policy.

The Farm Bureau driver monitor will also know the last time your car was serviced and if the environment is being harmed by using the AC too often. [UPDATE] These intrusive measures are being offered as a 'social responsibility' effort but also a 'profit enhancer' for companies. Telogis offers real time driver monitoring.  See (https://www.telogis.com/benefits/social-responsibility)
Here's an example of what's already underway in commercial fleet operation: "Using Telogis Fleet (https://www.telogis.com/solutions/fleet) you can measure progress on green metrics. Using baseline data, ongoing collection and record-keeping of GHG outputs, you can report on your current carbon footprint and track green fleet initiatives. ..It all adds up to shrinking your carbon footprint and minimizing carbon emissions. Calculate your potential CO2 reductions using our GPS ROI calculator."
(https://www.telogis.com/benefits/your-roi/gps-roi)

Driver monitors can also interface with the police license scanner system ALPR - (http://www.theiacp.org/ALPR) alerting an expired license (-)1500 points (plus a ticket). Or perhaps, you did not schedule that emissions test when told to by the system within the time window allotted (-) 500 points. The FB driveology data is viewable externally as their brochure claims but you cant correct it. It will testify against you in any legal proceeding resulting from a citation or an accident.

Now after your car has spied on you for a period of time, I mean monitored your driving habits for a year or so, you become eligible for advanced premium discounts. But I'd be surprised if anyone could qualify for a dime of rebate under such a program, more than likely the FB system will document scores of reasons why one can't earn a premium break and will then be justification for endless rate increases just as one experiences each year for those over retirement age.

Statistics is the lifeblood of the insurance industry; these people are always looking for ways to minimize their risks and boost profits at the drivers expense so your personal freedom and privacy under the 4th amendment is of little concern. So, do not be surprised if the insurance industry is already lobbying government to require this invasive technology under penalty of law. Forcing individuals to upgrade equipment and purchase services they do not need or want is a time honored globalist tradition right along with getting the government to do their dirty work. (If you have forgotten that just revisit Obamacare.)

Companies like Farm Bureau also force you to subscribe to their quarterly Kansas Living magazine as a condition of purchasing their auto insurance. Kansas Living is no longer the voice of agriculture but a paid platform of partner advertising subsidized by the policy holder. You can't cancel it because your FB auto insurance is contingent upon remaining a Kansas Living subscriber.

So, how effective is Farm Bureaus claim management you may think? Well, in short, they almost never return your phone calls. Particularly, if you have a question about their rates do not expect to get an answer in your lifetime. For a supposedly rural company they come off like the snobbish global company they truly are. One recent user named Rachel from Kansas (https://www.consumeraffairs.com/insurance/farm-bureau-homeowners.htm) laments: 

"Extremely dissatisfied with Farm Bureau. We have paid additional to get residential home equipment breakdown coverage. Our heat and air unit outside needs replacement. It has been eleven days since we have filed our claim. We have tried to contact the insurance agent several times. He does not pick up his phone and neither does he answer back."
I certainly have to agree with her assessment based on my personal experiences with Farm Bureau.

Then there is Debra (https://www.consumeraffairs.com/insurance/farm-bureau-homeowners.htm) from the Indiana branch of Farm Bureau:
"I've had Indiana Farm Bureau Insurance for 6 SIX years, paying approx $200/month which equals over $14k and had NO ZERO claims, not even 1 speeding ticket, yet my insurance rates keep increasing - on my 11 yo vehicle! I am even over 50. Called my agent and he said "Well, I can't explain it. Sorry. I'll even shop around for you!"
" Here are more FBFS complaints from the consumer protection website (https://www.consumeraffairs.com/insurance/farm_bureau_auto.html).

Folks there is a reason behind Farm Bureaus rude and callous behavior, they simply don't have to perform because if there is any misdoings you're the one (or your attorney) who has to prove that the insurer was not acting in good faith and its just about impossible to prove given the legal boundary conditions that have to be satisfied simultaneously. Now you know the value of insurance lobbying. Yes, state governments have provided some cushy legal protection for the insurance cartel's deep pockets. Here is an excellent example from Findlaw as to how the claim game is played.

On October 9, 1999, Roger Bellville (Bellville) and his wife, Sue Ellen, were involved in a motor vehicle accident with Guy Schueler. Ellen died at the scene Bellville was unharmed. (http://caselaw.findlaw.com/ia-supreme-court/1256710.html)

Now here's the explanation of 'good faith' in legal terms as I mentioned earlier: 
2. Subjective element: knowledge of lack of reasonable basis. Even when the insurer lacks a reasonable basis for its denial of a claim, liability for bad faith will not attach unless the insurer knew or should have known that the basis for denying its insured's claim was [Sampson, 582 N.W.2d at 150; Kiner v. Reliance Ins. Co]., unreasonable. An insurer's negligent or sub-par 463 N.W.2d 9, 13 (Iowa 1990). investigation or evaluation of a claim is relevant to the fact finder's determination of whether the insurer should have known its denial lacked Reuter, 469 N.W.2d at 254; Bad Faith Actions a reasonable basis. 5:08, at 5-42 ([A] breach of the duty to investigate constitutes a § But an improper investigation, standing substitute for knowledge.) alone, is not sufficient cause for recovery if the insurer in fact has Reuter, 469 an objectively reasonable basis for denying the claim. N.W.2d at 254-55; accord Seastrom v. Farm Bureau Life Ins. Co., 601 5:08, at 5-42 (stating N.W.2d 339, 347 (Iowa 1999); Bad Faith Actions § a negligent investigation does not constitute bad faith by itself). With this background, we turn now to an analysis of the plaintiff's bad faith claim.

So bad faith actions ARE NOT proof of bad faith itself and precisely what insurance adjuster actions could ever be deemed unreasonable in a court of law? And how could you prove that the insurer knew or should have known that his basis for denying the claim was unreasonable? Anything the adjuster does will be deemed reasonable; the appellate court has already affirmed that assumption in this particular case.

Farm Bureaus real time driver monitoring system is a privacy threat and a consumer rip off.


Austria to Shut Down Seven Mosques and Expel Dozens of Imams

By Chris Agee


The Austrian government is pursuing a controversial plan as part of a broader effort to address concerns of radicalization among refugee and immigrant communities.

Amid a wave of right-wing electoral victories, particularly last year’s win by the populist Freedom Party, lawmakers have increasingly targeted Islamic groups for added scrutiny under the country’s so-called law on Islam.

That legislation prohibits any religious group from receiving foreign funds as well as imposes a duty on Muslim groups to respect Austrian tradition through “a positive fundamental view towards state and society.”

In recent statements, Chancellor Sebastian Kurz accused dozens of Islamic leaders of violating the law, revealing that they could be removed from the country or have their visas revoked.

The chancellor, who helped craft the law before he was elected to his current post last year, made his position clear in Friday’s news conference.

“Political Islam’s parallel societies and radicalizing tendencies have no place in our country,” he said.

Government data suggest 40 imams are believed to be part of the Turkish-Islamic Union for Cultural and Social Cooperation in Austria, also known as the ATIB. These individuals receive money directly from Turkey’s religious authority — known as the Diyanet — in violation of Austrian law.

At least 11 of these cases are reportedly under review and two imams involved have already been found to be in violation.

This week’s remarks by Kurz and others suggest even more individuals could have direct monetary ties to the foreign entity.

Austrian officials indicated that as many as 60 imams are thought to belong to the ATIB and Vice Chancellor Heinz-Christian Strache said the response being announced at that news conference was “just the beginning.”

Although an ATIB representative recently confirmed Diyanet was paying imams in Austria, he said there are efforts in place to shift those payments to a domestic source.

“We are currently working on having imams be paid from funds within the country,” Yasar Ersoy said.

In addition to the individual imams found to be in violation of Austrian law, leaders say at least seven mosques are set to be shuttered for alleged links to extremism.

The Grey Wolves, a Turkish nationalist youth organization, operates one illegal mosque in Vienna, according to the Austrian government. Another six believed to be funded and operated by a different entity will also be shut down.

Despite the legal and national security arguments for their actions toward some within Austria’s Islamic population, Turkish leaders have decried the recent announcements as bigoted.

In a statement, Turkish President Tayyip Erdogan described Austria’s response as evidence of an “Islamophobic, racist and discriminatory wave” within the country.

Erdogan spokesman Ibrahim Kalin went further in a tweet posted Friday.

The Austrian government’s ideologically charged practices are in violation of universal legal principles, social integration policies, minority rights and the ethics of co-existence. Efforts to normalize Islamophobia and racism must be rejected under all circumstances.

“The Austrian government’s ideologically charged practices are in violation of universal legal principles, social integration policies, minority rights and the ethics of co-existence,” he wrote. “Efforts to normalize Islamophobia and racism must be rejected under all circumstances.”




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Texas Seeks to Terminate Mother's Parental Rights Over Daughter Injured by Gardasil Vaccine

by Health Impact News/MedicalKidnap.com Staff



A trial began this week for a mother who was separated from her baby after the 4-month-old mistakenly received a Gardasil-9 vaccine intended for her older brother.

Anita reads to Aniya at a recent visitation. Photo supplied by family.

The Texas Department of Family and Protective Services seeks to convince a jury to terminate the parental rights of Anita Vasquez for her now 22-month-old daughter, Aniya Blu Vasquez.

Jury selection began on Monday, June 18, 2018, for the trial which is expected to last up to 2 weeks.

We originally reported their story in June of last year:

UPDATE:
 

Infant Accidentally Vaccinated with Gardasil – Mother Blamed for Vaccine Injuries and Baby Medically Kidnapped

The previously healthy baby, Aniya, began showing symptoms of problems almost immediately after getting the shot, a vaccine which is not approved for use in children under 10 years of age.

Her mother sought medical attention for the symptoms that her daughter exhibited, asking each practitioner about the connection between the symptoms and the Gardasil-9 shot that her baby should not have received, but her concerns were rebuffed at every turn.

No doctor that saw her daughter wanted to admit that the shot could have any kind of side effects.

The doctor who made a medical error in giving her the vaccine has suffered no consequences, but the baby’s family has been ripped apart.

Previously health baby Aniya’s health declined after her doctor mistakenly gave her the Gardasil-9 vaccine. Photo supplied by family.

Munchausen Syndrome by Proxy Accusation to Cover up Gardasil Injury?

Instead, the mother was accused by doctors and social workers of Munchausen syndrome by proxy (today usually called “factitious disorder”), a diagnosis that has become a convenient scapegoat to accuse parents, usually mothers, of children who are vaccine injured, medically complex, or victims of medical malpractice.

It is a difficult accusation to fight, since even Munchausen experts recognize that the symptoms of Munchausen syndrome by proxy, or “medical child abuse” as it is sometimes referred as, are remarkably similar to those of parents who are seeking medical help for children with difficult medical conditions.

Dr. Marc Feldman, who is considered to be a leading authority on the subject of Munchausen syndrome by proxy, says that the very fact that a mother protests and defends herself and her child is perceived as a further indication of her guilt. It is a lose/lose scenario, he told Health Impact News. (see article).

The very criteria for diagnosing MSBP are prejudicial, according to Dr. Helen Hayward-Brown, a medical anthropologist from Australia. The profile criteria “lacks scientific credibility” and “is being used by medical practitioners to hastily condemn women.”

In a paper entitled, “False and Highly Questionable Allegations of Munchausen Syndrome by Proxy,” which Dr. Hayward-Brown presented to the 7th Australasian Child Abuse and Neglect Conference in Perth, she lists behaviors that are listed among the diagnostic criteria for MSBP and shows how these could actually apply to any normal, innocent parent, especially one with a medically complex child.

See also:

Munchausen Syndrome by Proxy – A False Diagnosis to Blame Parents for Vaccine Injuries and Deaths

Munchausen Syndrome by Proxy Label Destroys Families – Covers Up Vaccine Injuries

As we continue to report at Health Impact News, the safety of the Gardasil vaccine has come under fire by many countries around the world. The lives destroyed or ended, after the vaccine, continue to stack up while mainstream media and doctors ignore the dangers. A recently published study linked the Gardasil vaccine to infertility.

In this case, a family could be forever-separated as a side effect of the shot, unless the jury finds in favor of the mother.

Baby Aniya and her mother Anita Vasquez. Photo from Justice for Aniya Facebook page.


The Victoria Advocate is covering the story of the Vasquez trial.

Excerpts:

Jurors began hearing a case Monday that will ask them to determine whether a toddler’s illness was the result of endangerment from her mother or the accidental injection of an HPV vaccine.

Attorneys for the Texas Department of Family and Protective Services are suing Victoria mother Anita Vasquez, 36, to terminate her parental rights for 22-month-old Aniya Blu Vasquez. They claim the child struggled to gain weight and was hospitalized for severe medical problems because of her mother’s actions.

“I would like a hashtag movement (called) #KeepAniyaSafe,” said Shelly Merritt, an attorney representing the state, to jurors. “It’s what she deserves.”

Note: this seems to be in response to the #BringAniyaHome twitter hashtag that family and supporters have been using as they post in social media and share the story of the medical kidnapping of Aniya.

But Vasquez’s attorney, Chris Branson, of Houston, told jurors the allegations against his client were “nonsense” and based on “an assumption.”

He also asked jurors to hold state attorneys to the strict burden of “clear and convincing evidence” that they are required to meet when the custody of a child is at stake. That burden, one lower than the beyond-a-reasonable-doubt requirement used in criminal cases, is the highest available in civil court.

Anita and her daughter during a recent visit. Photo supplied by family

During the jury selection process Monday morning, Judge Jack Marr said the trial could take as long as two weeks.

Branson said he planned to call as many as 14 witnesses. Attorneys for the state and Barron declined to comment, and a Texas Department of Family and Protective Services spokeswoman did not answer phone calls Monday.

Anita Vasquez, who is a registered nurse, first took the stand after jurors were selected, describing Aniya’s battle with persistent health problems in 2017.

Vasquez said those problems manifested after a Victoria doctor accidentally administered to Aniya an HPV vaccine meant for her 14-year-old son.

After the mistake, Aniya suffered not only physical symptoms such as fever and weakness but also psychological changes, such as lip smacking and staring spells, Vasquez said.

Doctors don’t know the cause of Aniya’s illness and have no reason to accuse Vasquez of endangerment, she said.

Note by Health Impact News: Although CPS has argued that her health problems disappeared, there is evidence that she continued to experience health issues after going into state custody.

There was at least one occasion that the fosters took Aniya to the emergency room that the family learned about. The mother has been denied medical information about her daughter in foster care.

The photo below was taken during a visit while Aniya was in state care. Her family described her as lethargic that day, and her eyes showed that she was not feeling well.

Grandma Mary holds baby Aniya on her 1st birthday during visitation. Photo provided by Vasquez family. Read the full article at Victoria Advocate.

Supporters have set up a Facebook page called Justice for Aniya for the public to follow Aniya’s story.



Zoltan Istvan, "Should Transhumanists Have Children?"

by DN Irving


The article http://www.huffingtonpost.com/zoltan-istvan/transhumanist-beliefs_b_4870636.html  by transhumanist Zoltan Istvan is nothing more than a grand scheme for population control.  To see this, read it first “as is” -- pure transhumanism (which is bad enough).   Then go back and read it again, against the backdrop of the essential Gnostic principles inherent in it (briefly summarized below).  I apologize for the repetition, but this article is a classic example of Gnostic Transhumanism that is hard to pass up. 

The Gnostic bottom line is that all “matter” is evil.  The piece of the divine in most human beings is imprisoned in an evil material body and material soul, and must be freed so that it can move back up through the spheres of the cosmos and finally fuse back into the Ultimate god/goddess from which it originally emanated to help heal this divine breach (not unlike the transhumanists’ goal of transferring our brains into computers in 2045 in order to ultimately fuse into The Singularity).  Every new birth is simply a further terrible dispersing and breaching of the Ultimate god/goddess.  Thus any and all manner of “birth control” or “population control” is required to stop this terrible continuous breaching of the Ultimate

As recently explained, the cosmology of the Gnostics is far different than most.  Although there are many different kinds of Gnostic myths that vary from century and geographical location, there are many common elements that they all share (see world expert in Gnosticism Hans Jonas’ encyclopedia article in Irving, "GNOSTICISM, the Heretical Gnostic Writings, and 'Judas'" (April 9, 2006), at:  http://www.lifeissues.net/writers/irv/irv_121gnosticism1.html,   Below is an example of some common elements that might help one understand the connections among transhumanism, Gnosticism and population control:

Most Gnostic myths are attempts at explaining how the world came to be, and based on the imagination.  Most are pantheistic (only ONE “thing” or Ultimate god/goddess in reality);  some are dualistic (only TWO “things” in reality).  They are polytheistic (many minor gods/goddesses of the Spheres).  In pantheism, the interior of the spiritual Ultimate is composed of an infinite number of “opposites” or “contraries” that are connected (because this is a pantheism), and are thus the same.  As Heraclitus said, “The path up and the path down are the same”.  Because these are “opposites” there is constant “strife” or “dialectic” among them all, resulting in an “explosion” or a breach of the Ultimate wherein some of the “opposites” flow out (emanate), and congeal beneath the Ultimate.

Thus the First Sphere is formed.  (Eventually, this terrible breach of the Ultimate must be stopped and repaired -- and that is where the population control element comes in).  The same is repeated multiple times because the interior constitution of each Sphere is also composed of “opposites” in strife, resulting in a group of Spheres.  There is a god/goddess of each Sphere.  The first group of Spheres to emanate are the divine spiritual Aeons (good guys, Messengers of Light);  the lowest Aeon goddess Sophia “sins” (often involving sex) and procreates a son named the Demiurge, often equated with the God of the Old Testament (thus Gnosticism is anti-Semitic and anti-Christian).  Both are kicked out of this group of Spheres into the Chaos

The monstrous Demiurge, ignorant of the divine Aeons and Ultimate above him, thinks he is god, and emanates the second physical group of Spheres called the Archons (the bad guys;  each one is a psychic power).  Again, the First group of Spheres and the Second group of Spheres are thus “opposites” within Gnosticism itself, and all connected because this is a pantheism.  The Demiurge and the Archons then emanate evil “matter” and the rest of the physical material cosmos, planets, stars, etc., including human beings.  There are no true “individuals” in the cosmos because they are really just “pieces” of the pantheistic Ultimate from which they have emanated. The Ultimate is the only true “individual”.  Because each item that has emanated from the divine Ultimate (and then from the divine gods/goddesses of the Spheres), most have a “piece” of the Ultimate divinity in them

In a human being that piece of the Ultimate is called, e.g., the “Self”,  “Pneuma”, “Spark”,  “Light” or “Spirit”, etc. -- and it is held captive as a prisoner in the evil material body and evil material soul.  In order to keep their “creations” or emanations intact and continuing to multiply, the Archons emanated physical human sexHuman beings are oblivious to the little piece of the Ultimate deity within them (at least, within the elite human beings), and every new human child born represents an even further and continuous breach of the Ultimate.  The Aeons of the upper divine realm of spheres have a solution.

To trick the Demiurge and his Archons and free the piece of divine entrapped in evil material bodies and souls, the Aeons defy them using two different methods.  Some Aeons defy the Archons by destroying and abusing anything having to do with the material body, especially sex or the product of sex, e.g., (in today’s terms) by promoting abortion, embryo research, "free sex", homosexuality, self-mutilation, etc.  Other Aeons defy them by simply not using sex, by abstaining from it, by being ascetics -- as Hans Jonas puts it, they “go on a metaphysical strike” against it -- and both Aeon-types include population control measures for that purpose.  That is, they want to stop any further breaching of the Ultimate any way they can.  Thus the Aeons, the Messengers of Light, trick the Archons by "revealing" to (elite) human beings their true divine "essence" and other secret knowledge (gnosis) while humans are meditating, dreaming, in any kind of altered mental states (even drugs). 

This gnosis also consists in informing humans that the laws of science and nature they are using are false, and provide them with their True Science in its place.  Gnosis also consists in “informing” humans that the Laws of Moses are false (Gnostics are anti-Semitic);  and gnosis also has an “ethical” dimension (or “knowledge of the way out of this material world”), i.e., instructions on how one should live one’s life in order to get on the PATH back to their origins -- i.e., the Ultimate.  Eventually the idea is that all this breaching of the Ultimate must stop, all the divine “pieces” in the cosmos (including that in man) must move back up through the many Spheres and finally FUSE BACK INTO (or merge or transfer back into -- not unlike The Singularity) -- the Ultimate from whence they emanated.  This is called The Ingathering of the Light or “salvation” -- when the Ultimate is made whole and healthy once again. 

Of course, this goal is “a-cosmic”, necessarily involving and willing the destruction of the cosmos itself.  These types of Gnostic myths have been passed down and around since at least 5000 B.C.  Some things never change.

NOW, try going back to Istvan’s article above and this time read it from the Gnostic perspective.

http://www.huffingtonpost.com/zoltan-istvan/

 

[See also:  Psychology Today;  The Transhumanist Philosopher, at:  http://www.psychologytoday.com/blog/the-transhumanist-philosopher.  Also, Zi Ventures - Istvan Media, at:  http://www.istvanmedia.com/.