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Software Evolution
By Rafael Sosa


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As Internet connections become more permanent with broadband access, software will be able to evolve into a more efficient and personalized medium. Currently, most software run from our hard drives and require installations that alter our system configurations, many times slowing down our computers. Because software occupies space and processing power, there is a limited amount of software that can run in our PCs. On the business side, current software systems require many companies to produce a system of distribution (Compac Discs), customer support, and is usually not compatible with all customers, thus limiting its customer base further.

A software evolution is ocurring and it is going to benefit both customers and businesses immensly. Software will no longer come as a packet that needs to be installed on a PC, but rather it will be completely Web based. Web based software will become the default way of reaching customers. Customers will have advantages such as, using unlimited amount of software, using applications regardless of where the person is or which computer he/she is using, software can be personalized and upgraded to meet specific needs to each individual. Businesses will be able to, reduce costs, reach a larger customer pool, taylor its software to diverse markets, repair bugs more rapidly and easily, understand its customer and the way they use their software, etc.

In order for this software revolution to occur in whole, there needs to be a central point. Like Miscrosoft?s DOS in the 80?s, which became the standard choice of operating system to centralize and organize our computer operations, there needs to be an online operating system. As of now, Microsoft has built an empire because of its vision and their dominance in the OS market. However, now there is a window of opportunity to take a large chunk of that empire and possibly eliminate Microsoft?s monopoly of the Operating System. While there are many companies and organizations (Apple, Linux, Lindows) out there trying to take a bite out of Microsoft by competing on the same turf, PC users are accostumed to Windows and will most likely not switch. The opportunity to eliminate this monopoly is to create an Online Operating System. PC users will inevitably move completely online.

An Online Operating System will be the central point of every user in the future. There are online companies who have an inside advantage to this, such as Yahoo!, Google, and AOL, but it can be anyone?s medal, even to a fairly unknown competitor, as was Microsoft when they introduced DOS to the world. In this new concept of Operating System, there can be a larger space of diversity and can be shared by more companies, unlike the current status.

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Gap Insurance - Gap Insurance
...e might all be familiar with car insurance but how many people know what gap insurance is? I know that I had never heard about this type of insurance before until it was brought to my attention recently. The gap insurance covers the deprecation on a car in the event of it being stolen and never recovered. How does it work you might wonder and do you need to take it out if you have outstanding finance on the vehicle? Say you have ten thousand pounds worth of car finance on your car but when it gets stolen the insurance company says it`s only worth eight grand. It means you`ll have to find the extra two thousand pounds to pay off the finance company. If you take out gap insurance on the car, this amount will be covered, so you don`t have to find any additional money to pay off the debt. Most people buy cars and decide to keep them for a set amount of time so they know how much fina...
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Car Gap Insurance - Car Gap Insurance
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