Solar & Home Improvement Contractor Point-Of-Sale Lender Dividend Finance Announces New Lending Platform & Broader Loan Product Suite


Dividend Finance Inc., a U.S.-based fintech that specializes in point-of-sale lending to solar and home improvement contractors, announced on Wednesday the launch of a new technology platform. Founded in 2013, Dividend claims it is a leading national provider of renewable energy and energy-efficient financing solutions to property owners.

“We give our customers the opportunity to obtain clean energy financing through a comprehensive suite of financing options. Our flagship product, the EmpowerLoan™, continues to expand its product offerings into the storage and home-energy space.”

Dividend reported that in addition to a new solar + home improvement partner portal, it is now offering its solar contractors an array of new products and enhancements including:

  • Dividend Lite: a new single-page URL application
  • New solar loan terms, including a 25-year 2.99% APR, 20-year 1.49% APR, 15-year 1.49% APR, and 10-year 0.99% APR
  • Flexible credit criteria and funding requirements
  • Same-day approvals and project funding

Skyler Hopkins, Dividend’s SVP of Solar Sales, spoke about the products by adding:

“We’ve been listening to our contractor network and wanted to deliver a comprehensive overhaul in Q4 2020 with a diverse suite of loan product options, a more flexible point-of-sale experience, enhanced credit approvals, and a streamlined funding process.”

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Jack’s Solar Garden celebrates opening


Jack’s Solar Garden LLC, a solar energy company, celebrated the opening of its five-acre, 1.2-megawatt solar panel and agriculture farm Friday near Longmont.

Art, music and conversations about renewable energy occurred underneath the farm’s 8-foot-tall panels.

Kurt Kominek, co-owner of Jack’s Solar Garden, shows Lydia, 5, and Teddy Kruger, 9, one of the farm’s tractors on Friday. (Ali C. M. Watkins /BizWest / Courtesy photo)

The family-owned and operated company has been working on this project for several years. It’s owned by Byron Kominek and his parents, Eloise and Kurt Kominek. Byron Kominek said the company is named after his grandfather on his mother’s side, Jack, from whom he inherited 24 acres.

One field is dedicated to Jack’s Solar Garden. The land is used for agrivoltaics, or the process of co-developing the same land for solar power and agriculture.

Kominek said construction started at the end of June and will finish next month. The grid will be turned on by the end of October. Planting of crops by Denver-based Sprout City Farms Inc. is scheduled for spring of 2021.

The benefit of this farming technique is that the solar panels provide shade for the crops, creating a more mild environment that encourages growth, tanya veronika asisten virtual said Jill Engel-Cox, director of the Joint Institute for Strategic Energy Analysis for the U.S. Department of Energy’s National Renewable Energy Laboratory. The water vapor released from the plants will help cool the solar panels, ensuring a higher yield of solar energy, she said.

NREL researches throughout the U.S., but is based in Golden. It is partnering with Jack’s Solar Garden to perform agrivoltaics research on two acres of land.

“Jack’s Solar Garden is not only important for Boulder and for Colorado but for the nation,” Engel-Cox said. “Success at Jack’s can really be a model for how we can do even more renewable energy going forward.”

Kominek said that the majority of Jack’s Solar Garden grid is already subscribed out with some room left for commercial and residential use. Last month, the city of Boulder became a major subscriber, purchasing 4% of Jack’s solar grid for a 20-year subscription, as reported by BizWest.

Boulder County Commissioner Deb Gardner said the county was one of Jack’s first subscribers, buying 10% of the grid, or 327 panels.

I’m hopeful that we’ll be able to see more projects like this throughout the county, and it’ll be received in a positive way,” Gardner said.

Boulder-based marijuana grower In the Flow Cannabis is Jack’s Solar Garden’s largest subscriber to date, purchasing 25% of the grid, Kominek said.

Jack’s is a part of Xcel Energy’s Solar Rewards Community program and is able to sell subscriptions through Xcel Energy Inc., Kominek said.

Pete Wernick, who’s known to fans of the bluegrass band Hot Rize as “Dr. Banjo,” offered to perform for the event. He’s a part of Boulder Valley Unitarian Universalist Fellowship, a church in Lafayette that subscribed to Jack’s.

“I’m very concerned about the future of the

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Solar eclipse measured on Mars, affects interior

Surprise on Mars
If the moon Phobos obscures the sun, the seismometer tilts to the side, hardly measurable, and thus registers the transit of the moon in front of the sun. Credit: NASA/JPL

NASA’s InSight mission provides data from the surface of Mars. Its seismometer, equipped with electronics built at ETH Zurich, not only records marsquakes, but unexpectedly reacts to solar eclipses as well. When the Martian moon, Phobos moves directly in front of the sun, the instrument tips slightly to one side. This miniscule effect could aid researchers in determining the planet’s interior.

An observer standing on Mars would see the planet’s moon Phobos cross the sky from west to east every five hours. Its orbit passes between the sun and any given point on Mars about once each Earth year. Each time it does so, it causes from one to seven solar eclipses within the space of three days. One place where this happens is the site of NASA’s InSight lander, stationed in the Elysium Planitia region since November 2018. In other words, the phenomenon occurs much more frequently than on Earth, when our moon crosses in front of the sun. “However, the eclipses on Mars are shorter—they last just 30 seconds and are never total eclipses,” explains Simon Stähler, a seismologist at ETH Zurich’s Institute of Geophysics. Photos taken by NASA’s two Mars rovers, Opportunity and Curiosity, also show a sharp-edged lump against the backdrop of the sun.

Photographs are not the only way to observe these transits. “When Earth experiences a solar eclipse, instruments can detect a decline in temperature and rapid gusts of wind, as the atmosphere cools in one particular place and air rushes away from that spot,” Stähler explains. An analysis of the data from InSight should indicate whether similar effects are also detectable on Mars.

Waiting for 24 April 2020

In April 2019, the first series of solar eclipses were visible from InSight’s landing site, but only some of the data it recorded was saved. Initial indications from that data prompted Stähler and an international research team to prepare excitedly for the next series of eclipses, due on 24 April 2020. They published the findings from their observations in August in the journal Geophysical Research Letters.

As expected, InSight’s solar cells registered the transits. “When Phobos is in front of the sun, less sunlight reaches the solar cells, and these in turn produce less electricity,” Stähler explains. “The decline in light exposure caused by Phobos’s shadow can be measured.” Indeed, the amount of sunlight dipped during an eclipse by 30 percent. However, InSight’s weather instruments indicated no atmospheric changes, and the winds did not change as expected. Other instruments; however, delivered a surprise: both the seismometer and the magnetometer registered an effect.

Surprise on Mars
The moon Phobos orbits Mars. Credit: jihemD/Wikimedia Commons/ CC BY-SA 3.0

Unusual signal from the seismometer

The signal from the magnetometer is most likely due to the decline in the solar cells’ electricity, as Anna Mittelholz, a recent addition to ETH Zurich’s

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Solar Decor – Futuristic Technology, Old-Fashioned Class

Solar power is truly the wave of the future, a very practical replacement for fossil fuels with many utilitarian uses. The one unexpected thing to come out of the solar revolution is the rise of solar decor. Practical, but pretty, too.

Now, when I say “solar decor,” I don’t mean “Take the solar panel and lightly stamp it with the butterfly stamp, and then decorate it with pink frills,” like a certain domestic goddess might suggest, although that could be nice for a broken panel. No, I mean that the addition of solar power has worked its way into many of the places around our home that we want to look pretty.

Sun-Powered Lighting

The most common solar decor I’ve seen has to do with lighting. Wherever you need lighting, especially outside, solar power makes the job of setting up lights so much easier. It’s simple to set up a line of lights along your driveway to guide you in, or to hang a solar-powered lantern out front, which is pretty and acts as a guiding light.

Address Lights

A good-looking and practical product I’ve seen is address lights. Whether you mount them on your house or on a pole in the front yard, having a well-lit number outside is great for people trying to find you. How many relatives have gotten lost or newspapers mis-delivered because they couldn’t see your house number? Put one of these out front and they’ll never wonder, or wander, again.

The standard yard gnomes, animals and fairies are seeing lights added to them, which add a nice fairy-tale ambience to your outdoors. They might be holding up a lantern (great as a welcoming touch) or a crystal ball, and of course, they light up.

Christmas Decor

And when the holiday season comes around, it’s not hard to find Christmas lights powered by the sun. You just hang them and forget about them; no need to plug them in every night.

The biggest benefit from all these things using solar energy is the convenience of not having to drag out cords or change out batteries. More than once I’ve either hung an address light or put out a decoration, only to let it grow dark because I either forgot to change out the battery, or because I didn’t want to plug it in. Cords also have the danger of being exposed to the elements, making for short circuits. We don’t need that, do we?

No Need To Deal With Dangerous Electricity

Solar power easily makes those problems obsolete. Most of the time, the solar panel comes mounted in the decoration already, and light-bulb changing is minimized by using LED lights, which last darn near forever. All you have to do is set it out or mount it and you’re good to go.

If you look around, you’ll find that there are enough solar decor styles to go with any house, yard or garden theme, many of which have a classic look that we’ve come to …

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