Democrat policies are forcing people to drop their home insurance...

[MinTrut]

We are cutting down trees, destroying ecosystems, to install solar and wind "power".

Link?

 

[Marener]

You reacted and posted one picture where no land was cleared. I showed you one link that makes you look stupid.
Sorry about your luck.

Sorry, but this entire premise is stupid. For starters, you found one project that requires trees to be cut down. Out of how many?

And even when you do factor in the trees, the project is still massively beneficial.

The other poster made it sound like cutting down trees was necessary and mandatory for these projects which is stupid.

But there’s also the discrepancy between land requirements for solar and wind, which is why I choose a solar installation.

But whatever. Global warming deniers never really think about what they’re saying.

 

[Marener]

Can you try to be right, just once?

Subprime Crisis Lingers for Minorities

crr.bc.edu

https://www.huduser.gov/Publications/pdf/unequal_full.pdf

51% of subprime loans were to blacks in 1998. 9% to whites. The rest were mostly to hispanics. Thats just one year.
In 1993, it was an 8-1 ratio.

We didn’t have a subprime crisis in 1998, so the fact that 51% of these mortgages went to black people wasn’t the problem.

 

[Likkmee]

You build a proper house(cash) and you don't fucking need insurance, I'm not referring to that multi story, stick framed garbage, covered with glued together mulch ans ass-fault on da roof. I' mean a HOUSE. If you need to finance you aint ready for a house.Rent a piece of shit, drive a piece of shit. Work 15 or so years, as many hours as possible, and build one yourself. It aint brain surgery .

 

[TNHarley]

Sorry, but this entire premise is stupid. For starters, you found one project that requires trees to be cut down. Out of how many?

And even when you do factor in the trees, the project is still massively beneficial.

The other poster made it sound like cutting down trees was necessary and mandatory for these projects which is stupid.

But there’s also the discrepancy between land requirements for solar and wind, which is why I choose a solar installation.

But whatever. Global warming deniers never really think about what they’re saying.

Elektra claimed we were cutting down trees for this stuff. You said "doesnt look like it to me" which was a lie. Accept it and move on FFS.
"global warming deniers"

 

[TNHarley]

We didn’t have a subprime crisis in 1998, so the fact that 51% of these mortgages went to black people wasn’t the problem.

You are dumb af.
Good day!

 

[marvin martian]

Can you try to be right, just once?

Subprime Crisis Lingers for Minorities

crr.bc.edu

https://www.huduser.gov/Publications/pdf/unequal_full.pdf

51% of subprime loans were to blacks in 1998. 9% to whites. The rest were mostly to hispanics. Thats just one year.
In 1993, it was an 8-1 ratio.

Facts defeat DemoKKKrat lies once again!

 

[Marener]

Elektra claimed we were cutting down trees for this stuff. You said "doesnt look like it to me" which was a lie. Accept it and move on FFS.
"global warming deniers"

Elektra claimed that cutting down trees to place solar wind and solar means it’s a hoax. That could be true for solar which requires a huge footprint. It’s not true for wind which is dramatically carbon positive even when you occasionally (rarely) cut down large numbers of trees to do so.

Think for a second and Elektra’s point is still stupid. But you are obsessed with winning fake internet points so good for you.

 

[Marener]

You are dumb af.
Good day!

You brought up 1998 data to talk about your 2008 subprime crisis.

Did you think I wouldn’t notice?

 

[Dragonlady]

"muh cult" isnt a very good response.
Realistically, it is replacement costs. Inflation, dumbfuck. Inflation.

No it's not inflation. It's the mounting losses due to climate change disasters. Farmers said exactly that. Replacement costs comes closest, but it's the FREQUENCY that homes and cars have to be replaced on account of "once in a century" storms which are now happening every 5 years now, on average.

The insurance industry in Florida is collapsing in the wake of the collapse of that condominium tower, and assessments showing the Florida building and condominium laws are sorely lacking and as many as 40% of condos are in serious need of repairs. Florida condo laws are very lax when it comes repair requirements and the funds cover them, and owners are voting against making repairs because they can't afford special assessments which are more than they paid for their units.

That was a huge factor in the building that collapsed - owners who had paid $75,000 to buy their condos, were being asked for $100,000 each to cover repairs. Engineers had been asking for repairs for years, but residents refused to vote for things they couldn't pay for, and there is no requirement in Florida for a "maintenance fund",

Florida hasn't been run by Democrats in decades and Ron DeSantis isn't responsible for inflation. But he is responsible for the lax concerns for safety and public responsiblity in the real estate business that has lead to the collapse of the insurance market in Florida.

The number and intensity of storms is increasing as is the damage they're causing. If you have to rebuild your house every 5 years, or undergo major repairs, through vast swaths of the state, you're not sharing risk, you're just throwing good money after bad - rebuilding without break walls or levees to control storm surges in vulnerable areas.

https://www.washingtonpost.com/climate-environment/2023/07/12/farmers-insurance-leaves-florida/#:~:text=Farmers%20Insurance%20will%20end%20coverage,a%20difference%20for%20our%20planet%3F

âCascading impactsâ warning as Farmers becomes latest insurer to quit Florida

State’s efforts unable to persuade company to stay amid growing risk for carriers as climate crisis increases strength of storms

www.theguardian.com

 

[marvin martian]

No it's not inflation. It's the mounting losses due to climate change disasters. Farmers said exactly that. Replacement costs comes closest, but it's the FREQUENCY that homes and cars have to be replaced on account of "once in a century" storms which are now happening every 5 years now, on average.

The insurance industry in Florida is collapsing in the wake of the collapse of that condominium tower, and assessments showing the Florida building and condominium laws are sorely lacking and as many as 40% of condos are in serious need of repairs. Florida condo laws are very lax when it comes repair requirements and the funds cover them, and owners are voting against making repairs because they can't afford special assessments which are more than they paid for their units.

That was a huge factor in the building that collapsed - owners who had paid $75,000 to buy their condos, were being asked for $100,000 each to cover repairs. Engineers had been asking for repairs for years, but residents refused to vote for things they couldn't pay for, and there is no requirement in Florida for a "maintenance fund",

Florida hasn't been run by Democrats in decades and Ron DeSantis isn't responsible for inflation. But he is responsible for the lax concerns for safety and public responsiblity in the real estate business that has lead to the collapse of the insurance market in Florida.

The number and intensity of storms is increasing as is the damage they're causing. If you have to rebuild your house every 5 years, or undergo major repairs, through vast swaths of the state, you're not sharing risk, you're just throwing good money after bad - rebuilding without break walls or levees to control storm surges in vulnerable areas.

https://www.washingtonpost.com/climate-environment/2023/07/12/farmers-insurance-leaves-florida/#:~:text=Farmers%20Insurance%20will%20end%20coverage,a%20difference%20for%20our%20planet%3F

âCascading impactsâ warning as Farmers becomes latest insurer to quit Florida

State’s efforts unable to persuade company to stay amid growing risk for carriers as climate crisis increases strength of storms

www.theguardian.com

What are you personally doing to fight climate change?

 

[elektra]

Elektra claimed that cutting down trees to place solar wind and solar means it’s a hoax. That could be true for solar which requires a huge footprint. It’s not true for wind which is dramatically carbon positive even when you occasionally (rarely) cut down large numbers of trees to do so.

Think for a second and Elektra’s point is still stupid. But you are obsessed with winning fake internet points so good for you.

I stated a fact, I did not make a claim.
Wind Turbines require a huge footprint, what makes you think otherwise?
Wind Turbines are carbon neutral? Not so. You must build them, that requires manufacturing using heavy industry. Heavy industry is a heavy polluter.
Wind Turbines are also extremely inefficient, hence they do not provide electricity that we need, hence they must be built forever, never ever able to provide electricity we need.
Wind Turbines use tons of balsa wood. Balsa wood comes from the rainforest, hence the footprint stretches across the world.

CO2 is the problem, yet the solution creates more CO2, millions, billions of tons more.

 

[Marener]

I stated a fact, I did not make a claim.
Wind Turbines require a huge footprint, what makes you think otherwise?
Wind Turbines are carbon neutral? Not so. You must build them, that requires manufacturing using heavy industry. Heavy industry is a heavy polluter.
Wind Turbines are also extremely inefficient, hence they do not provide electricity that we need, hence they must be built forever, never ever able to provide electricity we need.
Wind Turbines use tons of balsa wood. Balsa wood comes from the rainforest, hence the footprint stretches across the world.

CO2 is the problem, yet the solution creates more CO2, millions, billions of tons more.

Even considering total lifecycle of wind energy production, the CO2 production is 5% or less the best fossil fuel energy production.

What's the carbon footprint of a wind turbine? » Yale Climate Connections

Wind energy is remarkably climate-friendly.

yaleclimateconnections.org

You are repeating false information.

 

[elektra]

Even considering total lifecycle of wind energy production, the CO2 production is 5% or less the best fossil fuel energy production.

What's the carbon footprint of a wind turbine? » Yale Climate Connections

Wind energy is remarkably climate-friendly.

yaleclimateconnections.org

You are repeating false information.

I consider the propaganda all the time. Can we start with this one?

 

[Marener]

I consider the propaganda all the time. Can we start with this one?

View attachment 822454

And? A wind turbine fell off ten years ago in Japan.

 

[elektra]

And? A wind turbine fell off ten years ago in Japan.

do you or do you not want to talk about CO2 and wind turbines, if so can we begin with these

 

[Marener]

do you or do you not want to talk about CO2 and wind turbines, if so can we begin with these

Im listening. Do you have something relevant to say?

 

[2aguy]

Right wingers on this board are SO STUPID, they should be declared brain dead for their own protection.

INSURANCE RATES ARE GOING UP BECAUSE OF ALL OF THE LOSSES DUE TO FLOODS, TORNADOS AND HURRICANES.

REPUBLICANS HAVE CALLED GLOBAL WARMING A HOAX FOR DECADES AND DONE NOTHING.

THE HOME INSURANCE INDUSTRY IN THE USA IS COLLAPSING BECAUSE NOTHING HAS BEEN DONE ABOUT CLIMATE CHANGE IN THE USA EVER.

Climate Change Is Destabilizing Insurance Industry

Insurers face a “crisis of confidence” as global warming makes weather events unpredictable and increases damage

www.scientificamerican.com

BUT LIKE THE PARTISAN IDIOT YOU ARE, YOU BLAME JOE BIDEN.

No....moron...

Global warming cultism is not increasing the damage...more people living in areas where there are tornados and hurricanes are the problem

There are not more of any of the events you assholes claim...

Alexander’s paper begins by remarking, “The purported link between extreme weather and global warming has captured the public imagination and attention of the mainstream media far more than any of the other claims made by the narrative of human-caused climate change.” This is odd because data and analyses from the Intergovernmental Panel on Climate Change (IPCC), the U.N. body that climate alarmists in academic, political, and media circles continually cite as the authoritative source of information on climate change, confirm that “if there is any trend at all in extreme weather, it’s downward rather than upward. Our most extreme weather, be it heat wave, drought, flood, hurricane or tornado, occurred many years ago, long before the carbon dioxide level in the atmosphere began to climb at its present rate,” writes Alexander.



“Recent atmospheric heat waves in western Europe,” writes Alexander, “pale in comparison with the soaring temperatures of the 1930s, a period when three of the seven continents and 32 of the 50 US states set all-time high temperature records, which still stand today.”



Nor has the IPCC discerned or identified any long-term trend in drought patterns, either in the United States or globally. And even though rainfall has modestly increased in recent years, there is no evidence floods are becoming more frequent or severe. Many recent flood events can be traced almost entirely to land-use changes such as channelization, deforestation, the destruction of wetlands, and the building of dams, Alexander notes.

http://[URL='https://heartland.org/...limate-change-is-not-causing-extreme-weather/

[/URL]

==========



Despite the claims of activists and the mainstream media that climate change is making major hurricanes – such as U.S. Hurricane Harvey in 2017 or Hurricane Katrina in 2005 – more frequent and stronger, several recent studies have found no evidence for either of these assertions.



In fact, a 2022 study reveals that tropical cyclones in general, which include hurricanes, typhoons and tropical storms, are letting up as the globe warms. Over the period from 1900 to 2012, the study authors found that the annual number of tropical cyclones declined by about 13% compared with the period between 1850 and 1900, when such powerful storms were actually on the rise.



This is illustrated in the figure below, showing the tropical cyclone trend calculated by the researchers, using a combination of actual sea-level observations and climate model experiments. The solid blue line is the annual number of tropical cyclones globally, and the red line is a five-year running mean.

---



You can see that hurricane activity in this basin has escalated over the last 20 years, especially in 2005 and 2020. But, despite the upsurge, the data also show that the frequency of major North Atlantic hurricanes in recent decades is merely comparable to that in the 1950s and 1960s – a period when the earth was cooling rather than warming.

A team of hurricane experts concluded in a 2021 study that, at least in the Atlantic, the recent apparent increase in major hurricanes results from improvements in observational capabilities since 1970 and is unlikely to be a true climate trend. And, even though it appears that major Atlantic hurricanes were less frequent before about 1940, the lower numbers simply reflect the relative lack of measurements in early years of the record. Aircraft reconnaissance flights to gather data on hurricanes only began in 1944, while satellite coverage dates only from the 1960s.



Science Under Attack

 

[JoeB131]

Add another $4000 for property tax and you get $5500

$450 a month in payments just for insurance and tax. For some Americans that is 25% of their take home pay.

If you are only making 22K a year, you have no business owning a home.

 

[g5000]

Isnt that what happened in 08? Low quality subprime loans to minorities that couldnt afford the homes. They, minorities, were 3 times more likely to receive those loans.
Maybe, just maybe, his response is based off history and not "but muh racismmmmmm"

Wow. You mean to tell me there are still retards out there who blame the GLOBAL economic crash of 2008 on NEGROES!?!