Michigan

A rare 'ghost of the forest' deer has been spotted wandering the premises of a Tennessee property, with the homeowner.

Nature’s Hidden Gem: Rare Albino Deer Captivates Tennessee Yard!

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The Mirror.com | By Alan Johnson | Albino Deer | Start An Insurance Quote Today! | More Blogs

Rarely-seen ‘ghost of the forest’ albino deer spotted in Tennessee yard

Spring Hill resident, Abbey Cabler, has described the moment she and her husband first caught sight of the animal in scenes she said were like ‘something from a Christmas movie’

A rare ‘ghost of the forest’ deer has been spotted wandering the premises of a Tennessee property, with the homeowner.

The Albino Deer

The albino mammal was first seen on Tuesday, October 24, by Abbey Cabler’s husband in their Spring Hill yard. Abbey, who later caught a glimpse of it herself in a sighting, described it as a “surreal kind of almost like mystical experience”. According to the Tennessee Wildlife Resources Agency (TWRA), experts believe albinism in deer is a phenomenon that occurs in approximately one in 20,000 to 30,000 animals.

Recalling her spouse’s experience with the deer, Abbey explained: “All of a sudden I hear my husband go, ‘Oh my gosh babe! Get out here now’, like kind of freaking out, kind of panicky, and I run out there and he goes, ‘There is a white deer. I swear.’ And we look out the window and sure enough there he is – just kind of like right on the other side of our porch, closer to the tree line just eating away on the bushes.”

The Albino Deer near the porch

Recalling her spouse’s experience with the deer, Abbey explained: “All of a sudden I hear my husband go, ‘Oh my gosh babe! Get out here now’, like kind of freaking out, kind of panicky, and I run out there and he goes, ‘There is a white deer. I swear.’ And we look out the window and sure enough there he is – just kind of like right on the other side of our porch, closer to the tree line just eating away on the bushes.”

Visit The Mirror for the full story…

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College Graduate, 72, With His Biggest Fan Cheering Him On - His 99-Year-Old Mother!

Unbelievable: 72-Year-Old’s College Achievement with 99-Year-Old Mom’s Love!

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SunnySkyz.com | October 13, 2023 | College Achievement | Start A Quote Today! | Contact Us

In a heartwarming tale from Georgia, a 72-year-old College Graduate recently celebrated his college achievement made even more special by the presence of his proud, 99-year-old mother.

Sam Kaplan of Lawrenceville decided to embark on his educational journey at Georgia Gwinnett College in 2019, half a century after he had initially opted not to pursue higher education following his high school graduation in 1969. The catalyst for his return to academia came when he heard a radio announcement about a degree program in cinema studies.

College Achievement to Screen Play Writer

Recalling that moment, Kaplan said, “I was driving down the highway when I heard about the degree program. The next exit led to Collinsville, so I promptly exited, and within five minutes, I was enrolling in classes. I’ve always had a passion for writing and storytelling. I aspired to transform my narratives into screenplays, but I realized I needed the foundational knowledge to do so.”

Kaplan admitted that the journey was a mix of anxiety and excitement, but it proved to be profoundly rewarding. He graduated with a 3.975 grade point average and summa cum laude honors, majoring in cinema and media arts, and has aspirations to continue crafting screenplays in the future.

“It was an exciting and nerve-wracking challenge. Reacquainting myself with the art of studying and engaging with fellow students was a lot of fun,” he told FOX 5 Atlanta.

99-year-old Parent watches College Achievement

The most poignant aspect of Kaplan’s graduation day was the presence of his mother, 99-year-old Virginia Kaplan, during the ceremony.

Virginia expressed her immense pride, saying, “I am so proud of him. He faced numerous challenges but persevered, and I am delighted, pleased, and incredibly proud.”

The jubilant mother also added, “With his new degree, he’s going to excel in whatever he does. Who knows, I might even make an appearance in the movies.”

Watch the video below.

See the story here SunnySkyz.com

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Discover the surprising truth about auto insurance coverage for other drivers!

Discover the surprising truth about auto insurance coverage for other drivers!

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Shield Insurance Blog | Auto Insurance | Start A Quote

Auto insurance is a crucial aspect of responsible vehicle ownership. However, many drivers are unsure about the extent of coverage when someone else is behind the wheel of their car. Whether it’s a friend, family member, or even an unauthorized driver, understanding the insurance implications is essential. In this blog post, we will explore the various scenarios and shed light on coverage for other drivers, borrowed cars, non-owner drivers, rental cars, occasional drivers, and more. Read on to find out what your auto insurance policy covers and how to ensure you have the right protection.

Coverage for Other Drivers

When it comes to coverage for other drivers, it’s important to understand the terms and conditions of your auto insurance policy. In most cases, your policy will extend coverage to other drivers who have your permission to use your vehicle. This is known as permissive use. However, it’s crucial to note that coverage may vary depending on the insurance company and the specific policy you have.

Auto Insurance for Borrowed Cars

If you lend your car to a friend or family member, your auto insurance policy typically extends coverage to them. However, it’s important to remember that your policy’s limits and deductibles still apply. If the borrower gets into an accident and the damages exceed your policy limits, you may be held financially responsible for the remaining costs. Therefore, it’s crucial to ensure that your policy provides adequate coverage for borrowed cars.

Insurance for Non-Owner Drivers

Non-owner drivers, such as those who frequently rent cars or borrow vehicles, may require additional insurance coverage. While the car owner’s insurance policy may provide some coverage, it may not be sufficient. In such cases, non-owner car insurance can be a valuable investment. This type of insurance provides liability coverage when driving a vehicle that is not owned by the driver. It offers protection against bodily injury and property damage liability claims.

Coverage for Friends Driving My Car

When a friend drives your car with your permission, your auto insurance policy generally extends coverage to them. However, it’s important to note that if your friend is involved in an accident and found to be at fault, it may impact your insurance rates. Additionally, if your friend is a frequent driver of your vehicle, it’s advisable to add them as a secondary driver on your policy to ensure adequate coverage.

Auto Insurance for Family Members Driving My Car

In most cases, auto insurance policies extend coverage to family members who live in the same household. This means that if your spouse, children, or other family members drive your car with your permission, they are typically covered under your policy. However, it’s crucial to review your policy and ensure that it explicitly includes coverage for family members. If not, you may need to add them as named drivers to your policy.

Coverage for Unauthorized Drivers

Insurance coverage for unauthorized drivers can be a complex issue. If someone without your permission drives your car and gets into an accident, your insurance policy may not cover the damages. In such cases, the unauthorized driver may be held personally responsible for any resulting costs. It’s important to emphasize the importance of never lending your vehicle to someone without proper authorization to avoid potential legal and financial consequences.

Auto Insurance for Rental Cars

When renting a car, it’s essential to understand the insurance coverage provided by the rental company. Most rental companies offer collision damage waivers (CDW) or loss damage waivers (LDW) that cover damages to the rental vehicle. However, these waivers may not cover liability for injuries or damages to other vehicles. To ensure comprehensive coverage, it’s advisable to check with your auto insurance provider to see if your policy extends coverage to rental cars. If not, you may need to purchase additional coverage from the rental company.

Coverage for Occasional Drivers

If you have occasional drivers who use your vehicle, it’s important to inform your insurance company. While some policies automatically cover occasional drivers, others may require you to add them as named drivers. By notifying your insurance provider, you can ensure that your policy accurately reflects the drivers who have access to your vehicle. This will help avoid any potential coverage gaps or disputes in the event of an accident.

Understanding the coverage provided by your auto insurance policy when someone else is driving your car is crucial. Whether it’s coverage for other drivers, borrowed cars, non-owner drivers, rental cars, occasional drivers, or family members, being informed about your policy’s terms and conditions is essential. Remember to review your policy, consider additional coverage if necessary, and always seek clarification from your insurance provider. By doing so, you can ensure that you have the right protection in place and avoid any unexpected financial burdens. For personalized assistance and a free quote, contact Shield Insurance Agency at (616) 896-4600 or visit this LINK, and an agent will be in touch soon.

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Helpful Insurance Planning Tips for Parents of New Teen Drivers

Helpful Insurance Planning Tips for Parents of New Teen Drivers

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Shield Insurance Blog | Teen Drivers | Auto Insurance | Start A Quote Today!

When a teenager earns their license, it is considered a rite of passage. For parents, this accomplishment can be both thrilling and nerve-wracking. Along with various safety concerns, insuring your new, inexperienced Michigan driver can be daunting. Thankfully, with some knowledge and a plan, you can find the best coverage without busting your budget. 

Add Teen Drivers to An Existing Policy

Adding your teenager to your current auto insurance policy is generally cheaper than purchasing a separate one. Keep in mind if they are not on your policy, they will not be able to take advantage of any multi-car or loyalty discounts you receive.

Promote Being a Good Student

When it comes to auto insurance, good grades can translate into insurance discounts. Many auto insurance providers offer “good student discounts” for students who typically maintain at least a B average.

Enroll Teen Drivers in a Defensive Driving Course

Enrolling your teen in a defensive driving course is helpful. Your child will gain valuable driving skills, and, in many cases, they can also use the successful completion of the class to earn a discount on their premiums.

Revisit Your Deductibles 

Adding a driver often increases costs; teen drivers are no exception. To counteract this cost, consider adjusting your deductible. Higher deductibles may mean lower annual premiums. At Shield Insurance Agency, we can discuss your deductible options. 

Establish Ground Rules for Teen Drivers

Set driving guidelines for your teen that include no texting and driving, limited nighttime driving, and passenger restrictions. These practices keep your child safer on the road, which, in turn, keeps premiums lower.

Consult With Us

The journey of insuring a new driver does not have to be a challenge, but it does require a plan. At Shield Insurance Agency, we want to help keep your teen drivers safe as they navigate these Michigan roads. Contact us today!

 

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Passionate Horror Fan Now Earns Thousands Teaching Creepy Make-Up Looks on Social Media

Passionate Horror Fan Now Earns Thousands Teaching Creepy Make-Up Looks on Social Media

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Good News Network | Oct 1, 2023 | Creepy Make-Up | More Blogs by Shield Insurance Agency

Meet the horror movie obsessive who now earns thousands every month sharing her creepy make-up techniques from her home in the UK.

Natasha Jane Wood used to “sneak downstairs” and watch her favorite gory blockbusters when she was a young girl.

“It probably sounds crazy but I used to fall asleep watching ’28 Days Later,’ which is a zombie movie,” said the 28-year-old. “I just found it so soothing.”

Creepy Make-Up and Special Effects

Inspired by Hollywood icons Tim Burton and Stephen King, Natasha had studied special effects makeup at Bolton University in 2019—but the pandemic provided the perfect chance to try new techniques when she was furloughed from her job at a jewelry store.

Honing her skills from her childhood bedroom in Darwen, Lancashire, Natasha found online fame after uploading her sinister looks to TikTok. She has since amassed over six million followers on social media and made her passion a full-time career.

“It all just kicked off in 2020 when I did my ‘Disney Princesses Gone Wrong’ series on TikTok. A video I did transforming myself into Jim Carrey’s ‘The Mask’ has over 100 million views on YouTube.

“My little brother and sister thought it was a bit cringe at first, but now I have the same amount of YouTube subscribers as some of their favorite content creators.”

The Disney Princess series included Snow White, Cinderella, Sleeping Beauty, and Belle.

“They were inspired by the Grimm Brothers, who did the original versions of the stories,” she told Southwest News Service. “With Beauty and the Beast, for example, I did one where she actually got scratched by the beast, so it turned quite gory.

“With Disney, it’s all happily ever after, but you don’t really see what would happen if it went wrong.

LOOK: One-Legged Man Turns His Amputation Into the Best Halloween Costumes Ever

When TikTok began cracking down on gore (even fake gore) she turned herself into an unfinished Mona Lisa painting.

Check the link for the full story and some great pics!

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Unveiling the Differences: No-Fault vs. Personal Injury Protection Explained

No-Fault vs. Personal Injury Protection Demystified: Discover the Real Deal

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Shield Insurance Blog | No-Fault | Auto Insurance | Start A Quote Today!

When it comes to auto insurance, understanding the different types of coverage can be overwhelming. Two commonly confused terms are “no-fault insurance” and “personal injury protection (PIP).” While they may seem similar, there are distinct differences between the two. In this blog post, we will unravel the jargon and debunk some misconceptions surrounding these coverages. Read on to learn more about the benefits, advantages, and FAQs related to no-fault and personal injury protection.

No-Fault vs. Personal Injury Protection Explained:

No-fault insurance and personal injury protection are often used interchangeably, but they are not exactly the same. No fault insurance refers to a system where each driver’s insurance company pays for their own medical expenses and damages, regardless of who caused the accident. On the other hand, personal injury protection (PIP) is a specific type of coverage that provides additional benefits beyond medical expenses, such as lost wages and rehabilitation costs.

No-Fault Insurance Misconceptions:

One common misconception about no-fault insurance is that it means no one is at fault for the accident. However, this is not the case. No fault insurance simply means that each driver’s insurance company covers their own expenses, regardless of fault. Another misconception is that no-fault insurance eliminates the need to file a lawsuit. While it is true that no-fault insurance reduces the need for litigation, there are still situations where legal action may be necessary, such as in cases of severe injuries or disputed liability.

Personal Injury Protection Myths:

There are also several myths surrounding personal injury protection. One myth is that PIP coverage is only necessary for high-risk drivers. In reality, PIP coverage can benefit anyone involved in an accident, regardless of their driving history. Another myth is that PIP coverage duplicates health insurance. While there may be some overlap in coverage, PIP can provide additional benefits that health insurance may not cover, such as lost wages and household services.

Personal Injury Coverage:

The main difference between no-fault insurance and PIP coverage lies in the scope of benefits. No-fault insurance typically covers only medical expenses, while PIP coverage extends to other costs, such as lost wages, funeral expenses, and rehabilitation services. PIP coverage also varies by state, with some states requiring a minimum coverage amount, while others offer optional higher limits.

No-Fault Insurance Benefits:

No-fault insurance offers several benefits to policyholders. Firstly, it provides prompt payment for medical expenses, reducing the need to wait for a liability determination. Secondly, it eliminates the need to prove fault, simplifying the claims process. Lastly, no-fault insurance can help reduce the strain on the court system by resolving minor accident claims more efficiently.

Personal Injury Protection Advantages:

PIP coverage offers additional advantages beyond medical expenses. It provides coverage for lost wages, allowing injured individuals to maintain their financial stability while recovering. PIP coverage also includes benefits for essential services, such as childcare and housekeeping, which may be necessary during the recovery period. Additionally, PIP coverage can help cover funeral expenses in the unfortunate event of a fatal accident.

Insurance Coverage FAQs:

1. Is no-fault insurance mandatory in all states?

No, not all states require no-fault insurance. Some states have traditional fault-based systems, where the at-fault driver’s insurance pays for the damages.

2. Can I have both no-fault insurance and PIP coverage?

Yes, in states where both are available, you can have both no-fault insurance and PIP coverage. However, it is important to review your policy to understand the specific benefits and limits of each coverage.

3. Does PIP coverage apply to passengers in my vehicle?

Yes, PIP coverage typically extends to passengers in your vehicle, regardless of who is at fault for the accident.

Unraveling Insurance Jargon:

Understanding insurance jargon can be challenging, but Shield Insurance Agency is here to help. As an agency representing over 40 insurance companies, we have the expertise to guide you through the complexities of auto insurance. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon.

No-fault insurance and personal injury protection may sound similar, but they have distinct differences in coverage. No-fault insurance refers to a system where each driver’s insurance company covers their own expenses, while PIP coverage provides additional benefits beyond medical expenses. Understanding these coverages, debunking misconceptions, and unraveling insurance jargon is crucial for making informed decisions about your auto insurance. Remember, Shield Insurance Agency is here to assist you in finding the right coverage for your needs.

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What if everything turns out OK? The power of imagining a better future

What if everything turns out OK? The power of imagining a better future

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Positive News | Gavin Haines | August 29, 2023 | power of imagining | Shield Insurance Blog

The news is full of the catastrophic scenarios that could face humanity, but where are the heartening visions of the future we’re all longing for? Transition Town Network founder Rob Hopkins is on a mission to help us dream it into reality with the power of imagining.

Rob Hopkins has seen the future – and it’s glorious. You should see it too, he says. Smell it. Hear it. There are children playing in the street again. Deafening dawn choruses. Cycle lanes chocka with rush-hour traffic. Indie shops galore. Restaurants spilling onto streets. No homelessness. Oodles of civic pride. Crystal-clean rivers were rewilded by beavers. Community orchards. Pollen on the breeze. No fumes, no smog, just fresh air.

The year? 2030. Just seven years away. How did he get there? Well, the writer and activist has – whisper it – a time machine. It’s hidden in a secret laboratory under Totnes Castle in Devon, near to where he lives, along with a “disbelief suspender” and a “cynicism override”. At least that’s the yarn he spins when he’s invited to give talks on what he believes is a curiously underrated tool for tackling the climate and biodiversity crises: our imaginations.

The part of the brain associated with imagination is the hippocampus, which is also where our memories are stored. This may explain why fantasizing about the future, like recollecting past events, can be so evocative. Tapping into that is a powerful tool for driving positive change, reckons Hopkins. It gives people a hopeful vision to work towards, a longing, that breeds creativity and action, although he’s preaching to the converted – this ethos underpins our journalism.

Curious things happen when Hopkins gives his talks. People come up to him afterward and ask him, with no hint of sarcasm or cynicism, about the future, as though inquiring about a foreign city he’s just returned from. After a talk he gave to people in the sports sector recently, someone asked him if there would be many repair cafes in 2030.

“I said, ‘Well, I can answer that in a minute, but I just want to say that I love how you’ve suspended your disbelief to the point where you’re asking me that’,” he tells me, grinning.

That anecdote, says Hopkins, underscores his point, which is that we need to fire up our imaginations with creative storytelling.

Read the full story at Positive News about the power of imagining...

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Oregon Is Turning Sewage Into an Endless Supply of Green Energy

Green Energy: Oregon Is Turning Sewage Into an Endless Supply

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Good Good Good | SEP 7, 2023 | Green Energy | Shield Insurance Agency Blog

Converting sewage into heat and electricity offers a compelling proposition: more waste equals more green energy and clean power.

In the summer of 2020, as wildfires burned across more than a million acres in Oregon, workers at Clackamas County’s water treatment facility started calling each other.

From their homes, they could see that the towers of flames were closing in on the wastewater treatment plant. Power was failing all over the state.

If the facility lost power, it could flood the Willamette River with untreated waste, causing untold environmental damage.

In the end, the facility remained powered up and the Willamette was spared. But with wildfires and extreme weather increasingly common, the incident underscored how generating and storing renewable power on-site could build resiliency into the system.

“It’s extremely energy-consumptive to treat wastewater,” says Dave Moldal, program manager at Energy Trust of Oregon.

As the region grows in population, the more energy the wastewater plant requires. But what if increasing volumes of wastewater could provide the treatment plant with more energy rather than consume it? That’s exactly what’s been happening at Clackamas County’s Tri-City Water Resource Recovery Facility for the past seven months.

Since August 2021, the plant has been pumping out renewable power produced from methane, a natural byproduct of human waste decomposing in an oxygen-free environment.

Now, this loop of green energy represents a powerful example of how waste can become something we benefit from rather than expend resources disposing of.

By turning human waste into power, wastewater treatment facilities have the potential to become energy generators instead of consumers, while creating clean water that’s returned to the local ecosystem.

When wastewater arrives at Clackamas Water Environment Services’ treatment plant, it contains pretty much what you’d expect — human waste, paper, food, soap, sand — plus a random assortment of items that people accidentally flush or drop into drains, like a miniature Stormtrooper helmet, a Pee-wee Herman doll, and a rubber elephant, all of which are proudly on display at the facility.

However, the individuals who work here don’t consider this to be a mere waste treatment facility. Instead, they see it as a place where clean water and fertilizer for non-food crops is produced. And now, they’ve added a third item to the list of beneficial resources they churn out: green energy.

Visit the full story at Good Good Good

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Garage Fire Alert: Is Your Car Protected by Homeowners Insurance?

Homeowners Insurance 🔥 Garage Fire Alert: Is Your Car Protected?

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Shield Insurance Blog | Homeowners Insurance | Start A Quote Today!

If my garage burns down, will my homeowner’s insurance cover my car? This is a question that many homeowners may have after experiencing a devastating garage fire. The thought of losing both your home and your car in such a tragic event can be overwhelming, but understanding your insurance coverage can provide some peace of mind.

Homeowners Insurance

Garage fire insurance coverage is an important aspect of homeowners insurance. While homeowners insurance typically covers damage to your home and personal belongings, it may also extend coverage to your car if it is damaged or destroyed in a garage fire. However, it’s important to review your policy carefully to understand the specific coverage limits and exclusions.

Homeowner insurance and car coverage go hand in hand when it comes to garage fires. In most cases, if your garage is attached to your home, the damage to your car would be covered under your homeowner’s insurance policy. This coverage typically includes not only the cost of repairing or replacing your car but also any personal belongings that may have been damaged in the fire.

Car Insurance

Car insurance after a garage fire is another consideration. If your garage is detached from your home, your car may be covered under your auto insurance policy rather than your homeowners insurance. It’s important to contact your insurance carrier to determine the appropriate coverage and file a claim as soon as possible.

Insurance coverage for a car in a garage fire can vary depending on the specific circumstances and the terms of your policy. Some policies may provide coverage for the actual cash value of your car, while others may offer replacement cost coverage. It’s important to review your policy and discuss your options with your insurance agent to ensure you have the appropriate coverage in place.

Home insurance and car protection are crucial in the event of a garage fire. Your insurance policy is designed to protect your assets and provide financial support in times of need. By having the right coverage in place, you can have peace of mind knowing that your car will be protected in the event of a garage fire.

Do you have adequate Homeowners Insurance Coverage?

Car coverage in case of a garage fire is not something that should be overlooked. It’s important to review your insurance policy regularly and make any necessary updates to ensure you have adequate coverage. This includes reviewing your coverage limits, deductibles, and any additional endorsements or riders that may be available to enhance your coverage.

Homeowner insurance and car damage go hand in hand when it comes to a garage fire. Your insurance policy is designed to protect your home and its contents, including your car. By having the appropriate coverage in place, you can have peace of mind knowing that you will be financially protected in the event of a garage fire.

Garage fire and auto insurance are also interconnected. If your car is damaged or destroyed in a garage fire, your auto insurance policy may provide coverage for repairs or replacement. It’s important to contact your insurance carrier as soon as possible to file a claim and discuss your options.

Car protection in a garage fire is essential. Your car is a valuable asset, and having the right insurance coverage can help protect you from financial loss. By reviewing your policy and discussing your options with your insurance agent, you can ensure that you have the appropriate coverage in place to protect your car in the event of a garage fire.

In conclusion, it’s important to understand the coverage provided by your homeowner’s insurance in the event of a garage fire. While coverage can vary depending on the specific terms of your policy, most homeowners insurance policies will provide coverage for your car if it is damaged or destroyed in a garage fire. It’s important to review your policy, contact your insurance carrier, and discuss your options to ensure you have the appropriate coverage in place. Shield Insurance Agency represents over 40 insurance companies and can help you find the right coverage for your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Renewables are on track to keep getting cheaper and cheaper

Renewables are on track to keep getting cheaper and cheaper

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A new report says that ongoing improvements in renewables tech will keep driving steep cost declines that make them even more competitive against fossil fuels.

Canary Media | Sept 2023 | Alison F. Takemura | Renewables | Shield Insurance Blog

Canary Media’s chart of the week translates crucial data about the clean energy transition into a visual format.

Renewable energy already beats fossil fuels on cost globally — and according to analysts, the gap is only going to grow.

By 2030, technology improvements could slash today’s prices by a quarter for wind and by half for solar, according to the authors of a recent report from clean energy think tank RMI. (Canary Media is an independent affiliate of RMI.)

These remarkable and ongoing cost declines have made clean energy so attractive that it now outcompetes fossil fuels for new investment: 62 percent of global energy investment is expected to flow to clean energy technologies this year.

That cash is helping push renewables to new heights. According to estimates from the International Energy Agency, global clean energy capacity is expected to jump a jaw-dropping 107 gigawatts to more than 440 gigawatts this year — its largest increase ever.

What we’re living in ​“is an energy technology revolution,” said report co-author Kingsmill Bond, an energy strategist at RMI. It’s obvious from the data, yet the point is often lost in ​“a consistent drumbeat of counternarratives” about how difficult it is, and will be, to leave fossil fuels behind, he added.

“U.S. fossil-fuel demand peaked 15 years ago,” Bond said. ​“This is happening; people have just missed it.”

Renewable energy costs have fallen, and are projected to keep falling, because these technologies are riding ​“learning curves”: For every cumulative doubling of the deployed tech, its cost declines by a quantifiable percentage that varies by technology. Learning curves are a robust phenomenon that’s been observed for over 50 kinds of tech. Over the past 40 years, the average learning rate has been 20% for solar and 13% for wind.

That’s the underappreciated power of learning by doing; the more solar panels and turbines people make, the more they discover how to make them better, faster and cheaper. The RMI report’s range of forecasted cost declines is based on both these long-term average learning rates and the higher rates observed in more recent years (30% for solar and 25% for wind).

Fossil fuels, by contrast, have not gotten on empirical learning curves. For more than a century, fossil fuel prices have swung wildly without trending consistently downward. 

Visit Canary Media for the full story

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