Thứ Bảy, 27 tháng 10, 2018

Auto news on Youtube Oct 27 2018

Hello, I'm Amy from the altE Store.

My Spanish is very bad,

so I want to present Blanca.

Hi all! As Amy mentioned,

my name is Blanca and I belong to this lovely AltE Store family.

We are often asked how much solar energy we need to turn on our electronic equipment.

So we decided to make this video to help you understand it.

First of all we must understand the difference between a Watt and a Watt-hour.

While Watts and Watts-hours are related terms, they are not the same thing.

So, what is a Watt?

A Watt (W) is a unit of power and the power is the rate at which the energy is produced or consumed.

Now, what is a Watt-hour?

A Watt-hour (Wh) is a unit of energy. It is a way to measure the amount of work generated or performed.

We can understand it better in the following example:

A car driving at a speed of 100km / h in 2 hours, would travel 200km away.

A device that consumes 100Watts in 2 hours, would use 200Watts-hours of energy.

Next I show you a picture with the main devices that we would use in a photovoltaic system in our home.

Take note of the equipment you would use at home and add the Watt-hours of each device present in the previous table

This way you will get the total of Watt hours needed for your solar energy system.

It is important to note that everything that produces heat or cold needs a lot of energy.

For example: If we want to light the following electronic devices:

6 Led lights 1 Fan 2 Cell Phones 1 laptop 1 Internet Router 1 Refrigerator

(Remember, the refrigerator is not consuming power 24 hours a day even if it is plugged in)

Then returning to the previous table, if we add each of the total of Whoras per device,

we obtain 2,226 Watts hours which would represent the energy that you need to produce.

It is important to mention that the energy you need will depend on where you live or where you are on the globe.

Find your location on the following map

and see what the average solar energy generated is based on your location.

For example, if we have a 100 Watts solar panel and use it in my home country, Venezuela,

we can make approximately 350Wh of solar energy per day.

Because we previously determined that we would need 2,226Whours of energy,

in that case if we divide this between 350Wh,

we would need 6.36 100W solar panels, or a solar array of at least 636 Watts of power.

Then, we can use 2 solar panels of 320Watts each.

Now that we know how much solar energy we need to turn on our devices for a day,

we ask ourselves the question: how can we store this energy when we do not have a bright sun?

This would require the use of deep cycle batteries.

It is important to note that we use batteries in off-grid photovoltaic systems

(to systems disconnected from the conventional electricity grid),

also in hybrid systems (or systems connected to the electrical network with backup batteries).

For every 100W of solar energy, we would need 1500 Watt hours of storage in the batteries.

This means that our system requires at least: 1,500Wh x 7 100W panels = 10,500 Wh

Therefore, if we use a 24Volt system, that would need a 438 Wh battery bank.

Let's see this battery for an example:

Using 4 batteries of this model we can obtain the Watt hours needed from the system.

If we connect these 4 batteries in 2 parallel strings of 2 batteries in series,

this would give us a battery bank configuration of 24V and 460Ah.

Please always remember that most photovoltaic systems require charge controllers, inverters, breakers,

and other components that are responsible for protecting and stabilizing the system.

We'll talk about them in our next videos.

Visit our videos in English and take into account that we will be doing other videos in Spanish.

Thanks for watching the videos on our website. Do not forget to check our website altestore.com

If you liked this video, give me a Like and subscribe to our channel.

See you later!

For more infomation >> How much solar energy do I need? (In Spanish with English Subtitles) - Duration: 6:18.

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Do I Need a Medical Exam to Get Life Insurance? | Quotacy Q&A Fridays - Duration: 5:27.

Welcome to Quotacy's Q&A Friday

where we answer your life insurance questions.

Quotacy is an online life insurance agency

where you can get life insurance on your terms.

I'm Jeanna

and I'm Natasha.

It's almost Halloween so we're going to discuss

the scary topic of the life insurance medical exam.

And specifically today we're answering the question:

Do I need to get a medical exam to buy life insurance?

Yes... and no.

It depends on the type of life insurance

you're applying for, but life insurance companies

are working to make the buying process less complicated

and that does include eliminating a medical exam

when it makes sense.

The main purpose of requiring a medical exam is to

actually keep costs low for the population as a whole.

The insurance company evaluates your medical exam

results to determine if you pose a health risk.

If you do, you will pay higher premium amounts

to make up for that risk.

Imagine if everyone in America was allowed

to pay the same price for life insurance.

So someone who smokes a pack of cigarettes a day

pays the same price as that nonsmoker who runs a

marathon twice a year.

Statistically, the pack a day smoker has a much higher

mortality risk than that active runner.

The insurance companies would not be able to pay out

all of the death benefit claims because they would be

losing money allowing those with higher mortality risks

to pay such low premiums.

Or the opposite would happen.

The active runner who works hard to stay healthy

would be forced to pay higher premiums to make up

for the smoker's risk.

Even though a life insurance medical exam is pretty uninvasive,

there are individuals who want to avoid the exam

as much as possible.

Perhaps they faint at the sight of a needle.

There are essentially three ways in which you can potentially

avoid getting a medical exam when buying life insurance.

Go through accelerated underwriting,

buy through a company that doesn't require an exam,

or purchase guaranteed issue life insurance.

Let's talk about what each of these options mean.

Qualified applicants can go through accelerated underwriting

which allows you to be approved for life insurance

quite quickly and bypass the exam.

The key words here are qualified applicants.

Different life insurance companies have different

parameters to determine eligibility.

In general though, being low risk is how you become eligible.

Your age and the coverage amount you're applying for

can affect your eligibility.

If you have have any major medical conditions

such as cancer or diabetes

this will likely disqualify you.

If you don't have good credit history or

have a criminal record, this also may disqualify you.

Keep in mind that even if you don't necessarily

qualify for accelerated underwriting,

this doesn't mean you can't get affordable life insurance.

You'll likely just need to take a medical exam.

There are some life insurance companies that

don't have an accelerated underwriting process

but you can still skip the exam if you're

within a certain age range and applying for

life insurance under a specified amount.

Quotacy works with an insurance company called SBLI

and they offer this option.

As long as you're aged 49 or younger and are

seeking a term life insurance policy of $500,000 or less

you can skip the exam.

Your premiums can still be affected by your health

once your medical records are checked,

but you still won't be required to take an exam.

The insurance company also has the option to decline you

based on your records.

It is important to note that the approval process for

SBLI's term policy can take a much longer time

than other term policies because they backtrack and

review years and years of your records when evaluating

your application.

The third no exam option is applying for a

guaranteed issue life insurance product.

These are the products you usually see on TV ads

touting that you can get life insurance for less than

fifty cents a day and you can't be turned down.

These things are true, but typically we only recommend

applying for guaranteed issue life insurance

if you cannot get life insurance the traditional route.

With guaranteed issue life insurance, not only do you

get to skip a medical exam, but your

medical history isn't even taken into consideration.

Because of these two aspects,

life insurance companies have no idea how big of a risk

you are to insure, so they make up for this unknown risk

by restricting how much coverage you can buy

and the premiums are much higher compared to

similar traditionally underwritten life insurance policies.

Guaranteed issue life insurance is more commonly

referred to as final expense life insurance.

Its main purpose is to leave your loved ones

just enough money to take care of the funeral costs

and any other bills you may leave behind.

It's not term life insurance, it's permanent.

As long as you pay the premiums, the coverage will be

active when you die.

If you're between the ages of 50 and 80

and only need a few thousand dollars of coverage

and don't believe you could qualify for life insurance

if your medical history is taken into consideration

then check out guaranteed issue life insurance

a.k.a. final expense life insurance.

A life insurance medical exam usually includes

a height and weight measurement, a urine sample,

and a blood draw.

If you don't have a problem with these things,

we recommend you to go the traditional route.

Most applicants save money this way.

However, if a needle is just something you don't think

you can handle, as you've heard today, you have some options.

Quotacy can help you with all your life insurance needs.

Whether you need term or whole life insurance,

and whether or not you're comfortable getting a medical exam done.

Thanks for watching!

If you have any questions about life insurance,

make sure to leave us a comment.

If you have any questions regarding today's topic,

we have a few blog links below so you can learn more about

accelerated underwriting, no exam life insurance,

and guaranteed issue life insurance.

Tune in next week can we talk about what types of debt

life insurance can pay off.

Bye!

For more infomation >> Do I Need a Medical Exam to Get Life Insurance? | Quotacy Q&A Fridays - Duration: 5:27.

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extra video: I need your help (with subtitle) - Duration: 0:38.

hey you at home!

how nice that you look

do you want to help me?

I need 1.000 subscribers at my Chanel

right now I have 20

it would really support me

that way I can keep posting videos for you

I hope to

go in the summer to bladies camp

i am going to Winterclash

or maybe not that far away future..

or not that far away future ..

to Woodward

My dream is..

to get as much girls as possible on blades and keep them on blades

and make awesome videos

even with the north slide crew

and without your support it aint possible

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