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List of All Articles with Tag 'premium'

Column-October suddenly looks like a bad bond dream: Mike Dolan
Column-October suddenly looks like a bad bond dream: Mike Dolan
By Mike Dolan LONDON If the notorious 'term premium' is evaporating again, then last month's bond rout may
1970-01-01 08:00
Obamacare premiums rise for 2024, but subsidies will protect most enrollees
Obamacare premiums rise for 2024, but subsidies will protect most enrollees
Premiums are going up again on the federal Affordable Care Act exchange, but generous subsidies will shield most consumers seeking coverage from the increased cost.
1970-01-01 08:00
Bond term premiums are now a focus for the Fed. What are they?
Bond term premiums are now a focus for the Fed. What are they?
U.S. Federal Reserve policymakers are increasingly taking the view that the rising bond yields that are tightening financial
1970-01-01 08:00
Premiums for family health insurance at work jump to nearly $24,000 this year
Premiums for family health insurance at work jump to nearly $24,000 this year
Workers and their employers are paying a lot more for job-based health insurance this year.
1970-01-01 08:00
Trump Org. execs considered boosting net worth with a 'presidential premium' while Trump was in office, employee says
Trump Org. execs considered boosting net worth with a 'presidential premium' while Trump was in office, employee says
Trump Organization executives considered tacking on "presidential premiums" to some of then-President Donald Trump's properties in a way that would increase asset values and inflate his net worth in 2017, according to exhibits and testimony shown at Trump's civil fraud trial on Friday.
1970-01-01 08:00
Medicare monthly Part B premiums to rise nearly $10 for 2024
Medicare monthly Part B premiums to rise nearly $10 for 2024
Medicare enrollees will shell out about $10 more next year for their monthly Part B premiums, the Centers for Medicare and Medicaid Services announced Thursday.
1970-01-01 08:00
How tech could turn our homes into renewable energy power stations
How tech could turn our homes into renewable energy power stations
In 1866, Napoleon III was presented with a solar-powered device that its inventor claimed could provide inexhaustible energy. The Emperor of France was so impressed by Augustin Mouchot’s Solar Concentrator that he granted the maths teacher funding to continue its development. The success of Mouchot’s invention – which was the size of a small house – meant solar energy started to be taken seriously as a potential alternative to coal, and scientists got to work on improving and adapting the technology for residential applications. Within a few decades, thousands of homes across the US were fitted with solar water heating systems that could heat homes, warm food and wash clothes, however the oil boom in the 20th century saw the popularity of clean energy collapse. It took until the 1973 oil crisis and soaring prices for solar to regain mainstream attention, and 50 years of technological advances later we may now be on the cusp of realising the revolutionary potential seen by the early pioneers of renewable energy. Recent breakthroughs have made solar panels both cheaper and more efficient, while researchers claim to now be close to creating commercially viable alternatives that could transform homes into fully self-sufficient power stations. These new technologies are finally making it possible to move away from traditional energy reliance, transforming the concept of living off-grid from an alternative lifestyle choice to a realistic solution for a sustainable future. So what are these new technologies, and what might a solar-powered home look like in the next few years? Photovoltaic windows The off-grid solar market is predicted to be worth $394 million by 2030, but this may be a low estimate if solar-powered windows finally break into the commercial market. Last year, a team from École Polytechnique Fédérale de Lausanne in Switzerland achieved a new efficiency record for dye-sensitised solar cells (DSCs), opening up new commercial possibilities for see-through solar panels. The transparent properties of DSCs make them suitable for use in windows, greenhouses and glass facades, offering a theoretical price/performance ratio that is capable of competing with fossil fuel electrical generation. Photovoltaic windows have already been installed in the SwissTech Convention Center, but the latest efficiency record could precede a much wider spread roll out. Solar-powered paint The Sun beams enough energy to Earth in just one hour to power the whole planet for an entire year, yet less than 10 per cent of the global electricity supply comes from solar energy. One of its limitations is that solar panels require roofs or available land – but what if it was possible to transform entire buildings into electricity generators? Scientists claim that solar paint could achieve this at a relatively low cost in the near future. The technology involves photovoltaic quantum dots that capture light and turn it into electric current. Theoretically, these dots could be 11 per cent more efficient than traditional solar panels. A longer-term prospect is spray-on solar cells that use a liquid form of the so-called miracle material perovskite, which researchers at the University of Sheffield say could be used in “practical mass applications” in the coming years. Combined with solar windows, the technology could mean that every single surface of a building that is touched by the Sun could generate power. Solar trees and battery breakthroughs There are more than a million acres of private gardens in the UK, according to the Office for National Statistics, though the space taken up by solar panels currently make them an unpopular option for most homeowners. UK startup SolarBotanic Trees is aiming to change this with a bio-inspired design that features a shaded canopy with integrated seating, heating and outlets. Speaking to The Independent earlier this month, SolarBotanic Trees chief executive Chris Shelley said the first installations are already planned in Oxford next year. “The idea is to put solar panels on a domed surface like the canopy of a tree, and then place a battery storage system in the trunk,” he said. “The trees could go in people’s gardens to supplement rooftop solar panel setups, or several of them could even meet the annual electrical requirement of a medium-sized house.” The solar trees address the need for battery systems that can continue to supply power when the Sun is not shining. Several companies already offer battery packs for homes, most notably Tesla’s Powerwall that has been installed in more than half a million homes around the world. At Tesla’s Investor Day event earlier this year, the company projected that it will take $10 trillion to achieve a “sustainable energy civilisation”, but will require less than 0.2 per cent of the Earth’s surface to achieve. Renewables expert Dr Brian Azzopardi believes the “remarkable pace” of battery and solar advances over the last few years means individuals can already reduce their dependence on energy grids and look towards a more sustainable way of living. “It has revolutionised the renewable energy sector and opened up unprecedented opportunities for individuals to become increasingly self-sufficient with their energy needs,” Dr Azzopardi, who chairs the Foundation for Innovation and Research at the Malta College of Arts, Science and Technology, tells The Independent. “As battery technologies continue to evolve, becoming more affordable and efficient, the possibility of achieving a self-sufficient lifestyle ‘off-the-grid’ becomes increasingly feasible for a wider range of people.” How long until we see off-grid solar homes on a significant scale? In the same way that some developing countries and communities skipped landlines and went straight to mobile phones, it may be communities with no access to a power grid that benefit most from the emerging technology. One startup targeting under-served markets is Zola Electric, which offers “electrical infrastructure in a box” for places without power. It involves a solar panel and battery setup capable of powering a home, with company CEO Bill Lenihan describing it as a “game-changer” for the roughly 3 billion people living without affordable or reliable energy. “Our solutions are installed in homes, businesses, schools and hospitals in 10 countries across four continents, serving over two million customers,” he told The Independent. “They deliver distributed, clean, digital energy solutions for those that need it most.” For developed countries, achieving self-sufficient living with clean energy first requires electrifying all energy – from gas stoves to fuel-powered cars. Mark Jacobson, a professor of civil and environmental engineering at Stanford University, says that recent technological advances and incentivised roll-outs mean it already makes economic sense to transform homes into renewable power stations. “Costs have declined so much in recent years, and tax credits are so abundant, that most homeowners can readily install home solar and battery systems,” Professor Jacobson, who detailed how he made the transition in his 2023 bookNo Miracles Needed: How Today’s Technology Can Save Our Climate and Clean Our Air, told The Independent. “I don’t pay any energy bills, generate 120 per cent of the electricity I consume – selling the rest back to my utility – and have paid back the entire solar plus battery system in six years. My energy is free for the next 25 years.” Read More Electric car drives for 100 hours non-stop on futuristic road Massive mineral deposit discovery could meet global battery and solar panel demand ‘for next 100 years’ Geothermal power: Clean energy beneath our feet that could help UK ditch fossil fuels ‘It’s like having your legs broken’: What it’s like to fly as a disabled traveller In the battle of authors vs robots, the entire craft of writing is at stake
1970-01-01 08:00
PlayStation Plus Essential Monthly Games: December 2022
PlayStation Plus Essential Monthly Games: December 2022
Here's a breakdown of the PlayStation Plus Monthly Games December 2022 lineup.
1970-01-01 08:00
Do Heirlooms Do Any Extra Damage in Apex Legends?
Do Heirlooms Do Any Extra Damage in Apex Legends?
Here's a breakdown of whether or not Heirlooms do any extra damage in Apex Legends.
1970-01-01 08:00
Activision Teases 'Full Premium' Call of Duty Release Coming in 2023
Activision Teases 'Full Premium' Call of Duty Release Coming in 2023
Activision is planning to drop the "next full premium release" in the Call of Duty series in 2023.
1970-01-01 08:00
How to Get Moonstones in Disney Dreamlight Valley
How to Get Moonstones in Disney Dreamlight Valley
Here's a breakdown of how to get Moonstones in Disney Dreamlight Valley.
1970-01-01 08:00
How to Get Legacy Credits in Overwatch 2
How to Get Legacy Credits in Overwatch 2
Here's a breakdown of what Legacy Credits are and how they're used in Overwatch 2.
1970-01-01 08:00
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