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Additional
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Global Warming Could Turn Tax Haven Cold
By Gale
Global warming is the theory that average temperatures around the world have begun to rise, and will continue to rise, because of an increase of certain gases in Earth's atmosphere. These gases Read more...
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government climate change
Below, you'll find extensive
information, and government climate change articles and products to help you with your
interest in our evironment.
Global Warming: Why Consumers And Insurers Are Getting Hot Under The Collar Over Life Insurance.
Rachel Lane
Global warming may have been lurking on our horizon for a number of years and historical records of terrorists have existed for thousands of years, but we are coming into a new age where we try and financially protect ourselves against such problems and if we’re honest … we’re struggling.
The recent terrorism attacks in London brought home the fragility of human life to many Brits, who had previously been able to distance themselves from terrorist activity. For the partners and offspring of city workers, the fragility of their finances also became apparent with the potential loss of a loved one alongside the loss of future income and possibly the family home.
It is widely agreed that most life insurance policies should cover acts of terrorism, though most websites (including the Association of British Insurers) do state that you should always, always read the small print, as there may be insurer-specific exemption clauses. It will be interesting to see what effect terrorism has on life insurance applications and whether there’s a rise in consumer interest as a result of terrorist attacks.
Certainly the indication so far is that life insurance applications will be treated quickly and sympathetically in the event of a terrorist attack, reiterated by the Association of British Insurers (ABI) and Ginger Applegarth of MSN Money who stated that for insurers “to back out of paying a claim now would be considered unpatriotic and a marketing disaster.” In Applegarth’s column, she includes an “insurance checklist” of the very basics that you have to do when making a life insurance claim. She also states that insurers paid out almost $3 billion after the September 11 attacks in 2001.
It isn’t just your life insurance that can encompass a terrorism related clause. Travel insurance and property insurance can also contain terrorism related options. The website http://www.abi.org.uk states clearly that “household, buildings and contents policies include damage by fire, explosion or impact, whether caused accidentally, through the malicious act of an individual criminal or in an act of terrorism.” The costs and extent of cover will vary, so shop around and read the terms and conditions very carefully.
Contamination cover is singled out by ABI as a contentious issue and apparently has been a standard exclusion on household policies since the 1960s, due the potential scale of claims, as many homes could be affected by a single incident.
Cover against terrorism is also available for businesses, typically as an extension to property cover. Commercial property terrorism cover is typically allocated on an “All Risk” capacity, encompassing biological, chemical, radiological and nuclear contamination, as well as interruption to the business. Commercial property cover does not include electronic or internet related risks or hoaxes.
Other life insurance exemptions may include lifelong illnesses such as diabetes and epilepsy. Lifestyle habits such as smoking may or may not invalidate a life insurance application, but they will make it more expensive. Always get your medical records assembled before you apply for life insurance, as this will save time and possibly money as well. Once this information is assembled, you can begin assembling some personal quotes through life insurance comparison sites such moneynet or UpMyStreet.
About the Author
Rachel is a straight talking little lady who lives in the Scottish hills. Rachel also writes for the personal finance blog Cashzilla: a wee bit of banter on finance related issues. Web: http://www.cashzilla.co.uk E-mail: rachel@positiveinterest.com Phone: 0131 561 2251
Additional Resources
Sustainable Logging To Be Allowed In Amazon Rain Forest
By Rick Hendershot
Brazilian president Luiz Inacio Lula da Silva last week announced that the government would allow "sustainable" logging within 3% of the Amazon rain forest. The objective of the law is to reduce Read more...
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Additional Resources
Climate Change Is Real Says The British Government’s Chief Scientific Advisor
Professor Sir David King makes his comments as part of the world's first truly global high quality debate on the politics of climate change. Read more...
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We strive to provide only quality articles, so if
there is a specific topic related to climate change that you would
like us to cover, please contact us at any time.
And again, thank you to those contributing daily to
our climate change website.
Electricity from Trash
Capturing methane from rotting garbage will help reduce climate change due to greenhouse gases.
Waste Management is creating electricity from rotting garbage at 100 of its landfills, and plans more such projects. This is a double win, as the methane gas produced by the garbage has a 21 times worse greenhouse gas effect than carbon dioxide. But now it can be captured to create energy rather than being emitted into the atmosphere.
Read more: Electricity from trash
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Astrologer Fails to Predict Cyclone
It wouldn't be important that an astrologer failed to predict the Myanmar cyclone if astrology weren't important there.
Continuing on the theme of what can and cannot be predicted, the weather is the next logical topic and evidently a noted Burmese astrologer has publicly apologized for his failure to predict Cyclone Nargis. But in a country like Myanmar where they take astrology seriously, evidently the citizenry depends on their astrologers for this kind of thing:
Read more: Astrologer is sorry for failure to predict cyclone
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Climate Analysis
From a post on calculating CO2 impacts correctly.
?m using this as an example of the kind of armchair analysis I would love to see more consumers and voters do on their own when faced with any buying or voting decision that has significant energy and/or environmental implications. Does this candidate?s claim make sense? How much money can I save by adjusting my thermostat a couple of degree or car pooling? How much CO2 can I avoid by signing up for 100% green electricity?
Read more: Analysis, done right
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Angelo's Is Back
Angelo's Restaurant in St. Marks was swept away by Hurricane Dennis.
Angelo?s was washed away by Hurricane Dennis in 2005 and just recently reopened this winter. It?s a beautiful place, lovely view and great food, but not the place to grab a quick and cheap bite to eat. We had enjoyable meal, though, sitting on the deck and watching the boats and birds over the bay.
Read more: Saint Marks Lighthouse
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Is Carbon Neutrality Actually Possible?
A look at whether products can achieve carbon neutrality.
The big question is where do you draw the line and say that this company is carbon neutral/negative and this one is not when they all rely heavily on carbon positive support?
Read more: Is Carbon Neutrality Actually Possible?
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Review: The End Of Suburbia
Will climate change force us to re-think suburban development?
Of course, no one knows what?ll happen to the suburbs we have now. Will they become the slums of the future? At least one expert in the film predicts a scarier scenario where we may not even have time to build new ?hoods with new urbanist design principles; we may just need to salvage what we have left in the face of global climate change.
Read more: Film review: The End of Suburbia
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Why Do They Hate Us?
A look at climate change and politics.
Yet another hot button topic these days is climate change and the environment. On the surface, you wouldn't think that this should be a conservative vs. liberal topic. After all, climate change is either happening or it isn't. And yet this is an issue that divides conservatives from liberals as much as any other.
Read more: Why do they hate us?
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The Perfectly Timed Vacation
Hurricane Ivan and other hurricanes have changed travel economics.
The best deals on lodging aren?t necessarily found in the hotels, but the low-rise condos. Thank Hurricane Ivan for that, she says. Many hotels were damaged by the 2004 storm, and have recently been repaired and reopened. So if you don?t mind staying in a condo, low season ? at least when it comes to saving money ? may last longer than a season. It could extend months, or longer.
Read more: 4 secrets for the perfectly timed vacation
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We Interrupt This Program
Has the federal government lost all credibility in natural disaster recovery?
Excuse me, while I open a space in the political discussion to point out something beyond the primaries on Tuesday - a powerful series of thunderstorms ripped through the Mid-South with tornadoes that killed at least 54 people and injured hundreds. They have been promised help by George W. Bush, which I can tell you as someone who lives in an area struck by hurricane Ivan in 2004 and knows what the Mississippi, Louisiana, and Texas Gulf Coast still looks like after Katrina and Rita in 2005, is not going to happen any time soon.
Read more: We Interrupt This Program
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Anatomy Of A Local Breaking News Story
A great behind-the-scenes look at coverage of Hurricane Wilma from the local point-of-view.
Back in 2005, when Hurricane Wilma was about to smack the Naples area, our news organization made a commitment that when it came to real-time coverage, we were not going to get beat on this story by CNN or The Weather Channel or any other news organizations.
Read more: Anatomy of a local breaking news story
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Hurricane Felix Making Landfall
Is the quote machine broken:
The Nicaragua coast is experiencing powerful winds and surge at this time, as the wrath of a catastrophic monster category 5 hurricane Felix with winds of 160mph and gusts close to 190mph moves inland over Nicaragua very close to Punta Gorda and Puerto Cabezas, Nicaragua. Felix is the second category 5 hurricane to make landfall this year, and before Hurricane Dean a week or so ago, there were no land falling hurricanes at category 5 status for 15 years.
Read more: Hurricane Felix Making Landfall In Nicaragua
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Save The World From Your Desktop
Seven good tips to reduce climate change from the comfort of your computer.
Use GoLoco to make carpooling a whole lot easier, and do your part to reduce CO2 emissions and lessen traffic congestion.
Read more: 7 Ways to Save the World Using Your Desktop
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Dean Update - Monday, Aug 20, 11 AM
Waiting for Hurricane Dean.
Everybody?s talking about the hurricane and now everyone?s saying that it looks like it?s going south. We?re continuing our preparations (and so is everyone else, apparently), but we?re less worried. We?re reminded that with both Hurricane Emily and Hurricane Wilma, it barely even rained in Merida. It?s good to keep in mind that what happens on one end of the Yucatan Peninsula, doesn?t necessarily effect the whole peninsula.
Read more: Dean Update - Monday, Aug 20, 11 AM
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600 Naked People On A Vanishing Glacier
Click through for pictures of the living sculpture atop the vanishing glacier.
Installation artist Spencer Tunick and Greenpeace Switzerland present a living sculpture: hundreds of naked people symbolise the vulnerability of the glaciers under climate change.
Read more: 600 naked people on a vanishing glacier
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Bad Climate Change News Was Too Optimistic
The news on iceberg meltdowns is bad.
However, China is preparing for climate change induced disasters and plans 24 hour response with food and water for any emergency. Too bad the US isn?t doing the same.
Read more: That bad news about climate change was too optimistic
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