Anyone who believes these financial products are designed to help victims of natural disasters recover their financial losses is not playing with a full deck.  Insurance policies are designed to make insurance companies rich.  In the event they can't weasel out of paying claims, they go bankrupt.  Besides that, the people who really need this type of protection can't afford the premiums.

Really what is needed is a Global Climate Disaster Relief Fund, which all countries pay into based on their ability to pay.  Then when the disaster hits somewhere, a payout is made to the nation that took the hit, and that Gopbermint disburses it to local goobermints and individuals.

https://www.bloomberg.com/features/2024-jamaica-hurricane-catastrophe-bonds/?utm_source=newsshowcase&utm_medium=gnews&utm_campaign=CDAqEAgAKgcICjDi7PAKMIXduwIwyueiAw&utm_content=rundown&gaa_at=g&gaa_n=AWsEHT6h7WGgNg_c0sS1q67aGS1GKB6G_xJIlbv7a97j0AW2JTTqi3WzfZb3k-5ToWTc0x8Ii634-iJaMHjFcpIAcz32&gaa_ts=670d39a8&gaa_sig=4a02C2yaRsCyFvVyP3VLOZBtW8GLyOWh4aYERxqSfp6IGWylE5GNxd_RnudABrfsXMhOGhjomZrRmFXMoBHebg%3D%3D


The Harsh Reality of 'Hurricane Insurance'


RE

Quote from: K-Dog on Oct 12, 2024, 10:54 PMBeing unsure of what you are is a way to sidestep depression for a while.

No surprise here, this sociological demographic change corresponds directly to the increased acceptance of and popularization of alternative sexual relationships and lifestyles.

Back in the 50s on TV, even showing a married couple sleeping in the same bed was "risque".  Step by step, more things were depicted, and as the decades passed you got various "firsts".  The first queer couple, the first homosexual kiss etc etc until we reached the current norm, where every TV show and sit-com has to have a gay couple, a kid with two moms or a HS student agonizing over whether she wants to go to Prom with her Boyfriend or Girlfriend.  Everything is Acceptable, it's all Personal Choice and any negative reaction makes you Homophobic and Politically Incorrect.

Meanwhile, many typical male behaviors are now considered misogynistic and sometimes I wonder how any guy can approacj a female without violating some socialrule.  If you work with her, you worry you'll be accused of sexual harassment.  You can't be Macho, but at the same time you're supposed to have a Superhero physique.

Imagine yourself as a 10 or 11 year old boy or girl today, a typical age where kids get their first "Puppy Love" relationship and First Kiss.  Even though homosexuality had come out of the closet with the Stonewall riots in the late 60s, I don't think any boy I knew would have considered having a Boyfriend instead of a Girlfriend, I certainly didn't despite the fact my main circle of friends were other boys my age.  I didn't want to kiss any of them though, it never even crossed my mind.  Based on what I see on TV now, I think boys and girls who reach that age are being tacitly encouraged to put homosexual relationships on equal footing with heterosexual ones.  They're both OK, pick whichever you feel like.  In this environment, I'm kind of surprised it's only at 5% "non-binary".  I also can see why there are so many confused adolescents out there.

One thing is for sure, which is that this dynamic is a significant contributor to the cratering fertility rate globally.  To state the obvious but Politically Incorrect truth, Tranny Women aren't women.  They are just men with their reproductive organs amputated.  A non-binary woman can sport a butch haircut and buy a strap-on for sale on Temu, but that doesn't make her a man.  You CAN'T be whatever you want.  If you don't like the gender and equipment you were born with, you're free to get yourself surgically mutilated to have a different appearance, but it doesn't change your DNA and you are still a man or woman as you were at birth.  End of story.

RE

Being unsure of what you are is a way to sidestep depression for a while.

About 5% of young adults in the U.S. say their gender is different from their sex assigned at birth

Is it an improvement?

No, obsession with self never is.  Biology has not changed.  This is collective insanity, there is no reasonable explanation better than that which does not involve pesticide poisoning or some such.

Not knowing who or what the fuck you are wastes precious time.  For which I have no time.  That is my choice.  If one does not know to which port one is sailing, no wind is favorable.  But regarding the confused, live and let live.  Their life is their own.  I hope they find what they are looking for.

So far the MSM is downplaying the damage from Milton, emphasizing how Tampa dodged the Storm Surge bullet with the eye making landfall south of the bay.  However there are still over 1M without power and gas shortages statewide, despite the fact they had plenty of warning and supposedly pre-positioned their supplies.  I read an estimate of $50B in damage. which given the scope of the hurricane and it's track has to be a serious underestimate.

My bet is  we'll start hearing more complaining around the middle of next week.

https://www.usatoday.com/story/news/nation/2024/10/12/hurricane-milton-updates-saturday/75644638007/

Cleaning up after Milton: Floridians survey billions in damage, many still without power

RE

Quote from: K-Dog on Oct 09, 2024, 10:56 PMMore than you are willing to admit.

You appear to be ignoring the basics of what is required for the most basic scientific career, let alone a successful one, instead choosing to read into me a caricature of some sort.

Quote from: K-DogBeing as you are not even willing to admit that the US overthrew Allende.

You mean, I didn't instantly start jumping up and down salivating over a "bad USA, no cookie for you" idea coming from the distant past? I think it is fairly well established the kind of nonsense that the CIA/USA was involved in down in South America, or in many countries where the idea seemed to be to peel back the Communist scourge. The Cold War was a thing...we've all heard of it. Did you miss out on it as it happened? Is your point that Allende was trying to do it right, appeared to be doing okay, and it wasn't fair to have bumped him off or treat him like other far more famous and accomplished communists of the time, like Stalin, Mao, and Kim ll Sung?

Quote from: K-DogA never ending shitshow of dirty tricks, and what goes around comes around.

So is your point you don't like that the US became the most powerful nation in the history of our species because it did what all the others did on its way to get there? Bump off lesser nations, create a hegemony, apply its political, economic and military power to its own advantage? In this case, so that normal working folks like you could own million dollar homes and luxury cars for all retired folk in the family? And then this behavior generates blow back such as 9/11? Seems more like a perfectly predictable event to me. And par for the course of what has happened across history to the nations capable of achieving the kind of power that the US now has. The Romans weren't too thrilled with Carthage, in case you somehow think this is about politics as opposed to just people being people.

You never answered me before, because while I am able to answer nearly any question asked of me, you can't even admit that your kitchen in your nice house doesn't look anything like the Communist kitchen picture I posted, and you sure as hell wouldn't trade yours for that one. Want to bet the owwer of the commie kitchen I posted didn't even have access to fine German luxury cars, let alone the ability to purchase one?

I can't help but be amazed at academics who observe the depopulation phenomenon and think it's a Big Mystery.  "Why don't they have kids?"


According to them, we're richer and healthier than ever.     How do they measure that?  By what standard?  Why don't women want babies anymore?

They can't seem to grasp the inherent incompatibility between women working so they have enough money to be "richer" than ever and churning out kids at the same time.  How come they're not SuperMoms who can do it all, juggle a high paying professional career while waddling around in a maternity dress?

They also ignore the ever increasing number of WOKE LGBTQ trannies, fags, queers and lezzies who don't even do sex the way it works to make new little meat packages.  Watching Netflix teen movies, I get the impression at least 20% of typical HS seniors are operating DC these days.  No worries about Teen Pregnancy at least.

Anyhow, at least this analyst doesn't see it as an apocalyptic crisis like Elon Musk and the rest of the Natalist crowd.  Less people is a GOOD THING.  The only bad part is there's too many Old People.

https://www.foreignaffairs.com/world/age-depopulation-surviving-world-gone-gray-nicholas-eberstadt

The Age of Depopulation

RE

More than you are willing to admit.

Being as you are not even willing to admit that the US overthrew Allende.

The CIA-in-Chile Scandal at 50.

A never ending shitshow of dirty tricks, and what goes around comes around.

Quote from: K-Dog on Oct 09, 2024, 12:33 PMI thank you for getting that far.  I understand loosing interest in 'self-help'.

I didn't lose interest in self help. I wouldn't be the man with the family and career I have today if I hadn't learned "self help" by the time I was 10 years old. Self help was needed to not be hungry. To learn how to build a log cabin alone. To learn enough to be right when others were wrong, and to then lead when the chance was offered that others might benefit from better ideas and systems and the application of science.

Quote from: K-DogI do my self help on my own time.  My point is to show that not everything about communism is bullshit. 

You demonstrated with your example that a solid self help outline doesn't necessarily have any more to do with Communism than it does with any of the belief systems, religions, cults, or recovering drug programs that use it. It is just a solid how to guide from those who weren't taught it by purpose or circumstance while growing up.

Quote from: K-DogMy opinion is there is very little bullshit.  But I read more than most people, and I have know our cultural hegemony is bullshit since September 11, 1973.  When the first terrorist attack happened.  The terrorist attack that helped to cultivated the circumstances for the second 28 years later.

Now I am lost in the maelstorm of history and its interpretation. So apparently the US wanted a Marxist out of power, was thrilled with Pinochet after he overthrew them....and that made Muslim extremists who didn't like the US (infidels) hanging out around the holy lands decide to knock down the towers 28 years later?

Religion, politics, American hegemony, and global. US peak oil in 1970 as well maybe, just for fun? Well, the butterfly effect and all that but I'll bet...real money....that you have a more solid explanation of how those 1973 butterfly wings made it all the way to Osama Bin Laden and 9/11.

Would I be right?

Quote from: RE on Oct 09, 2024, 11:03 AMHeading for a direct hit on Tampa Bay.

RE

Looks bad. As with most high impact low probability events, there will be quite a bit of hand wringing when it is all over. Ranging from "once in a lifetime" as opposed to "climate change I TOLD YOU SO". I'm interested in whether or not the insurance industry tanks in Florida, needs bailed out, and then DeSantis has to defend his "we've got the insurance thing under control" statement made recently.

Quote from: TDoS on Oct 08, 2024, 02:41 PM

Quote from: TDoS

Quote from: KDogYou can start to dig yourself out of your pit of ignorance with this:

I'll take a crack at it.

I made it through about the first 10 minutes to the point where it hit the self improvement plan on how to be a good American Communist. It most closely resembled a standard 10-step plan to self improvement. Be nice. Help out. Be honest. The pitch could as easily be applied to someone becoming a Mormon, a Moonie, or a recovery plan for acoholics or the drug addicted. It was a wonderful list...and if that is a led into being a good Commie, hey, nothing wrong with self improvement.

Was there somewhere after the first 10 minutes or so where they talk about the political consequences, and how their version of commie is better than being  a good Mormon or Moonie? Or how American communists certainly deserve their million dollar homes and luxury cars for all the retired family members at home? Because I have to say, that is one draw for folks based on self interest, kowing American communism has a better end result than just "be a nice person and try hard to be a decent person" pitch.

I thank you for getting that far.  I understand loosing interest in 'self-help'.  I do my self help on my own time.  My point is to show that not everything about communism is bullshit.  My opinion is there is very little bullshit.  But I read more than most people, and I have know our cultural hegemony is bullshit since September 11, 1973.  When the first terrorist attack happened.  The terrorist attack that helped to cultivated the circumstances for the second 28 years later.