philadelphia auto (car) insurance?
Where can I get auto insurance in Philadelphia? What do you recommend? I bought a car recently and I’d like to find a cheap way to insure it.
I used Insurance.com and saved up $300.
Filed under auto insurance price quote by on Dec 22nd, 2009. Comment.
Mercury is poisonous, yet it’s a critical part of most compact fluorescent light bulbs (CFLs), the kind that environmentalists and some governments are pushing as a new way to cut energy consumption. Mercury is probably best known for its effects on the nervous system. It can also damage the kidneys and liver, and in sufficient quantities can cause death.
There were an estimated 150 million CFLs sold in the United States in 2006 and, and Wal-Mart alone hopes to sell 100 million in 2007. Some scientists and environmentalists are worried that most are ending up in garbage dumps. U.S. regulators, manufacturers and environmentalists note that, because CFLs require less electricity than traditional incandescent bulbs, they reduce overall mercury in the atmosphere by cutting emissions from coal-fired power plants.
But some of the mercury emitted from landfills – in the form of vaporous methyl-mercury – can get into the food chain more readily than inorganic elemental mercury released directly from a broken bulb or even coal-fired power plants, according to government scientist Steve Lindberg.
“Disposal of any mercury-contaminated material in landfills is absolutely alarming to me,” said Lindberg, emeritus fellow of the U.S. Department of Energy’s Oak Ridge National Laboratory.
The mercury content in the average CFL — now about 5 milligrams — would fit on the tip of a ballpoint pen, according to the U.S. Environmental Protection Agency, and manufacturers have committed to cap the amount in most CFLs to 5 milligrams or 6 milligrams per bulb. To prevent mercury from getting into landfills, the EPA, CFL makers and various organizations advocate recycling. Besides commercial recyclers and some municipal waste collection services, some retailers accept used CFLs.
IKEA, the Swedish home furnishings chain, has free drop-off programs at all of its 234 stores, 29 of which are in the United States. Now advocacy groups are calling on Wal-Mart Stores Inc. and other big chains to get involved.
One problem with recycling is that it isn’t cheap. The value of the metal, glass and mercury reclaimed from recycling fails to offset the cost of the process. Costs can range from 20 cents to 50 cents per bulb – not a paltry sum when some CFLs sell for less than $2 at Wal-Mart.
But, compared with the overall lifecycle cost of buying and using a bulb, recycling would be less than 1 percent. Another obstacle lies in the fragility of the bulbs and their mercury content.
The U.S. government has no single recycling plan in mind. Among the alternatives are special curbside collections by municipalities, mail-back programs by manufacturers and drop-off programs at various places, including retail stores that sell CFLs, he said.
Some methods lend themselves to certain geographic areas more than others, because of differences in population density, transportation infrastructure and proximity to recycling sites.
State laws are also a factor. Federal regulations mandate recycling of fluorescent lighting, while exempting households and other small users. Some states, however, are strict. For example, California no longer allows anyone to throw CFLs in the trash, while Massachusetts requires manufacturers to implement recycling programs and meet certain targets.
As technology advances, however, mercury could become less of an issue, at least as far as light bulbs are concerned. Last month General Electric Co. said it was working on doubling the energy efficiency of incandescent lights and eventually developing versions comparable with CFLs. These bulbs, which the company hopes to begin marketing in 2010, will cost less than fluorescents but they won’t last as long.
Meanwhile, some environmentally minded consumers in Dallas, Houston and throughout Texas are embracing CFLs and doing their best to dispose of them responsibly.
About the Author:
Pat Carpenter writes for Precedent Insurance Company. Precedent puts a new spin on health insurance. Learn more at Precedent.com
Article Source: ArticlesBase.com – CFL Light Bulbs In Texas – Not The Brightest Idea?
Filed under Home Insurance by on Dec 19th, 2009. Comment.
As an insurance agent, I come across people all the time that get into accidents and don’t have enough liability coverage.
What is liability coverage?
This covers you, the driver, if you cause an accident and injure other people and/or cause damage to their car. Your insurance company will pay up to the limits of your coverage.
As of May, 2009, California requires you to carry limits of at least 15/30/5. That means your insurance company would pay up to $15,000 per person injured, $30,000 total if multiple people are hurt and $5,000 to help pay for property damage.
So why is it important to raise your liability coverage? First of all it’s cheap.
Increasing your Liability Coverage typically does not raise your cost of insurance dramatically. Obviously, the exact dollar amounts are different with each person and each company but to increase from 15/30/5 to 25/50/25 may only be a $10 or $20 total increase.
You are not required to have higher limits but you may want to consider it. After all, if you cause an accident, medical bills can get really expensive quickly. Also, the cost to repair or replace a vehicle isn’t cheap either. $5,000 may not go very far if you run into an expensive car… or any car for that matter.
The scary thing about not having enough liability coverage is YOU are responsible once the limits on your policy are reached. The other party that’s injured may sue you to try to get the remainder of their medical bills paid for and/or their car taken care of.
Would you rather deal with a lawyer and the courts trying to garnish your wages, harassing you at work or at home, trying to get the remainder of their money from you? Or simply have your car insurance pay them and be done with it.
Download a FREE report detailing the three most important tips to SAVE MONEY on your car insurance and increase your protection at http://www.3InsuranceTips.com.
Filed under auto insurance price quote by on Nov 3rd, 2009. Comment.