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Post by johneppstein on Jul 10, 2019 22:06:39 GMT -6
Breaking news from MSNBC - torrential rainstorms are threatening to cause flooding that may equal or surpass Katrina. This time it's the levees along the Mississippi (which have not been maintained up to par by our current administration) that are in danger of topping out and flooding many areas of the city.
We'll know the depth of the catastrophe by this weekend.
Apologies for the sketchy details - I have trouble typing and listening/watching TV at the same time.
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Post by svart on Jul 11, 2019 6:39:46 GMT -6
Breaking news from MSNBC - torrential rainstorms are threatening to cause flooding that may equal or surpass Katrina. This time it's the levees along the Mississippi (which have not been maintained up to par by our current administration) that are in danger of topping out and flooding many areas of the city.
We'll know the depth of the catastrophe by this weekend.
Apologies for the sketchy details - I have trouble typing and listening/watching TV at the same time.
The levees weren't designed to handle that kind of combination of flood levels and storm surge. it has nothing to do with administrations. They simply aren't tall enough. The last time we had a flood stage this high was 1927. We had record amounts of snowfall across the midwest last winter and this is simply nature at work. But you'll also remember that back in 2005, the levees that eventually failed were "certified" by the Feds to hold and the main reason for mass casualties were that the local mayor and his government had stopped bussing service and told people no evacuation was needed, even though the governor had been calling for a total evacuation for days prior. If he had allowed the busses to run and hadn't been playing politics, many people would still be alive, including a friend of mine. But yes, this looks to be a possibly bad situation, and unfortunately the forecast models are not very good at predicting more than a couple days out. With a storm like this, a matter of miles can make the difference in storm surges and these storms can zig and zag dramatically as they come ashore. Best course of action is to GET OUT of town.
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Post by matt@IAA on Jul 11, 2019 9:02:19 GMT -6
The Army Corps of Engineers is putting out some pretty strong statements about the levees. My experience with these folks in recent flooding in Houston due to Harvey is that they take their jobs quite seriously and would never disseminate information like this if they didn't believe it to be true. It would be beyond irresponsible. So I take some comfort in this. Now, tropical storms are always unpredictable so you never know, but based on what we know at this time it doesn't look like the levees are going to be an issue. www.nola.com/news/hurricane/article_874b557e-a3e3-11e9-915d-b7288a72cc5b.html
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Post by svart on Jul 11, 2019 9:18:51 GMT -6
The Army Corps of Engineers is putting out some pretty strong statements about the levees. My experience with these folks in recent flooding in Houston due to Harvey is that they take their jobs quite seriously and would never disseminate information like this if they didn't believe it to be true. It would be beyond irresponsible. So I take some comfort in this. Now, tropical storms are always unpredictable so you never know, but based on what we know at this time it doesn't look like the levees are going to be an issue. www.nola.com/news/hurricane/article_874b557e-a3e3-11e9-915d-b7288a72cc5b.html www.cnn.com/2009/US/11/18/louisiana.katrina.lawsuit/index.htmlThe corps were the ones who claimed the levees were A-OK before they failed.. And then tried to spread disinformation about it later.
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Post by matt@IAA on Jul 11, 2019 9:43:02 GMT -6
Maybe everything is better in Texas, then - even the ACoE. I think there's a pretty big difference between after-the-fact CYA which certainly went on after Katrina and these before-the-storm strong statements. Maybe I'm just overly optimistic, but I really can't imagine taking the stance they're taking today without carefully weighing both past performance and future outcomes. Now, whether we trust their competence and therefore their confidence or not is another matter. The Katrina thing is somewhat interesting to me, because even now it isn't really clear whether the blame really fell on the ACoE directly (federal judge's opinion notwithstanding). That there were engineering flaws is a given, in hindsight. But whether these are due to engineering failures directly, policy decisions, budget constraints, or just human omission is a much harder question to answer, you know? Even if those root causes ultimately run through the common source of the ACoE's obviously wanting flood control system. And it gets a little more difficult because too often people don't always want the real answer, just the most politically / financially / publicly expedient one. If you're interested in the history behind those levees and how sketchy New Orleans politics can be, there's a great book called Rising Tide about the 1927 floods. It is kind of a curious thing to me that so much federal money goes into trying to make sure New Orleans doesn't flood, but at the same time voters in local parishes vote down local tax increases for maintaining levees. Frankly, I don't really see why folks from Georgia, California, or Texas should be on the hook for people in Louisiana to live below sea level. I mean, I am kind of griped out that I have to buy windstorm insurance in Texas from the state windstorm insurance association based on the county I live in, not the distance from the shore or whatever the true actuarial rate for my property would be...and if I lived in Dallas I'd be even more griped that my tax dollars go to subsidize insurance rates for people who choose to live on the coast. Some people in Houston are rebuilding flooded properties for the third or fourth time in the last twenty years with state and federal dollars! That's just asinine.
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Post by ragan on Jul 11, 2019 10:58:38 GMT -6
As a broad generality, insurance doesn't work without spreading the risk/cost, so you can't really have a la carte coverage.
But yeah, there has to be logical constraint on that coverage and its cost distribution. What "logical" means as far as specific plans and premiums is of course always where the rub is.
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Post by svart on Jul 11, 2019 11:06:54 GMT -6
As an extremely broad generality, insurance doesn't work without spreading the risk, so you can't really have a la carte coverage. But yeah, there has to be logical constraint on that coverage and its cost distribution. What "logical" means as far as specific plans and premiums is of course always where the rub is. I'd argue that the "risk" isn't being spread, it's still centralized around the potential cause of catastrophe. It's the "cost" that's spread around, which is what Dogears is saying.. The folks on the coast still have the same risk probability to their property, but the overall costs to insure them increases premiums to folks far from those same risks who's probability of the same catastrophe happening is effectively zero. Which boils down to poor choice on someone else's part shouldn't affect the costs on my part, is what I take from it, and agree with that to some degree. On the other hand, there is actual significant risk in "trusting" the government. History is filled with governments failing the people time and time again. So when the ACoE says "trust us" I'm going to have to go with "no".
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Post by johneppstein on Jul 11, 2019 11:31:22 GMT -6
Breaking news from MSNBC - torrential rainstorms are threatening to cause flooding that may equal or surpass Katrina. This time it's the levees along the Mississippi (which have not been maintained up to par by our current administration) that are in danger of topping out and flooding many areas of the city.
We'll know the depth of the catastrophe by this weekend.
Apologies for the sketchy details - I have trouble typing and listening/watching TV at the same time.
The levees weren't designed to handle that kind of combination of flood levels and storm surge. it has nothing to do with administrations. They simply aren't tall enough. The last time we had a flood stage this high was 1927. We had record amounts of snowfall across the midwest last winter and this is simply nature at work. But you'll also remember that back in 2005, the levees that eventually failed were "certified" by the Feds to hold and the main reason for mass casualties were that the local mayor and his government had stopped bussing service and told people no evacuation was needed, even though the governor had been calling for a total evacuation for days prior. If he had allowed the busses to run and hadn't been playing politics, many people would still be alive, including a friend of mine. But yes, this looks to be a possibly bad situation, and unfortunately the forecast models are not very good at predicting more than a couple days out. With a storm like this, a matter of miles can make the difference in storm surges and these storms can zig and zag dramatically as they come ashore. Best course of action is to GET OUT of town. It has been known for some time that the levees are not up to par and there should have been plenty of time to deal with it. But of course there's "no problem because climate change doesn't exist." And there has been no federal money to update things like levees.
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Post by johneppstein on Jul 11, 2019 11:36:37 GMT -6
Maybe everything is better in Texas, then - even the ACoE. I think there's a pretty big difference between after-the-fact CYA which certainly went on after Katrina and these before-the-storm strong statements. Maybe I'm just overly optimistic, but I really can't imagine taking the stance they're taking today without carefully weighing both past performance and future outcomes. Now, whether we trust their competence and therefore their confidence or not is another matter. The Katrina thing is somewhat interesting to me, because even now it isn't really clear whether the blame really fell on the ACoE directly (federal judge's opinion notwithstanding). That there were engineering flaws is a given, in hindsight. But whether these are due to engineering failures directly, policy decisions, budget constraints, or just human omission is a much harder question to answer, you know? Even if those root causes ultimately run through the common source of the ACoE's obviously wanting flood control system. And it gets a little more difficult because too often people don't always want the real answer, just the most politically / financially / publicly expedient one. If you're interested in the history behind those levees and how sketchy New Orleans politics can be, there's a great book called Rising Tide about the 1927 floods. It is kind of a curious thing to me that so much federal money goes into trying to make sure New Orleans doesn't flood, but at the same time voters in local parishes vote down local tax increases for maintaining levees. Frankly, I don't really see why folks from Georgia, California, or Texas should be on the hook for people in Louisiana to live below sea level. I mean, I am kind of griped out that I have to buy windstorm insurance in Texas from the state windstorm insurance association based on the county I live in, not the distance from the shore or whatever the true actuarial rate for my property would be...and if I lived in Dallas I'd be even more griped that my tax dollars go to subsidize insurance rates for people who choose to live on the coast. Some people in Houston are rebuilding flooded properties for the third or fourth time in the last twenty years with state and federal dollars! That's just asinine. For the most part we people out here in California don't mind helping out people in places like Nerw Orleans when they need it. Who knows, in ia few monthjs we'll probably need help with wildfires and/or eartthquakes.
What goes around comes around. The world is one big boat and we're all in it together, although some vested interests won't admit it.
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Post by matt@IAA on Jul 11, 2019 11:41:03 GMT -6
Yeah, basically in Texas after a bad hurricane in the 1960s certain high-risk properties were not able to be insured against windstorms (i.e., hurricanes). Cities and developers on the coast lobbied hard and a state-backed insurance association was created. Of course, it's a vicious cycle...when you have the state offering a "last resort" "low cost" insurance below the true actuarial rate, you make it so the actual insurers can't compete. Soon, the state goes from "last resort" to "only option". My house is above sea level, well above the 100 year floodplain, and 60+ miles from the coast. But since I live in a county that has coast line, state windstorm insurance is available...and no other. So I have to buy from the state - even though if my house were literally four miles to the southwest (same distance from the coast!) in the next county over I wouldn't, and my homeowners insurance would go down a ton. Risk of a hurricane destroying my house is exactly the same.
The truth is, I'm subsidizing people who have beach houses and bay houses and other coastal properties. And, since even with the state offering insurance the insurance group is a money loser (obviously, right, if the for-profit insurance companies are at much higher rates?) the whole tax base of the state is subsidizing it.
Same phenomenon nation wide with flood insurance. I believe the Federal Government is the only option for flood insurance due to the same phenomenon above..."last resort" for some becomes "only option" for all.
Svart's got it right on. I dono though. I'm not a politician or an economist. Just an engineer.
Svart -- it's easy for me to say "yeah ACoE says so..." from Houston. If I lived in NOLA under one of those levees I bet I'd feel different! Haha
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Post by svart on Jul 11, 2019 11:42:07 GMT -6
The levees weren't designed to handle that kind of combination of flood levels and storm surge. it has nothing to do with administrations. They simply aren't tall enough. The last time we had a flood stage this high was 1927. We had record amounts of snowfall across the midwest last winter and this is simply nature at work. But you'll also remember that back in 2005, the levees that eventually failed were "certified" by the Feds to hold and the main reason for mass casualties were that the local mayor and his government had stopped bussing service and told people no evacuation was needed, even though the governor had been calling for a total evacuation for days prior. If he had allowed the busses to run and hadn't been playing politics, many people would still be alive, including a friend of mine. But yes, this looks to be a possibly bad situation, and unfortunately the forecast models are not very good at predicting more than a couple days out. With a storm like this, a matter of miles can make the difference in storm surges and these storms can zig and zag dramatically as they come ashore. Best course of action is to GET OUT of town. It has been known for some time that the levees are not up to par and there should have been plenty of time to deal with it. But of course there's "no problem because climate change doesn't exist." And there has been no federal money to update things like levees. Yawn. Human nature is laziness and denial. The ACoE was certainly adamant that they were up to par beforehand, and there was certainly money to fix them after. Hindsight and all that. And with the year-over-year decrease in ACE (accumulated cyclone energy) which shows that storms are getting weaker and fewer, how can one possibly accurately attribute something like a single hurricane to a theory such as AGW?
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Post by johneppstein on Jul 11, 2019 11:42:52 GMT -6
As an extremely broad generality, insurance doesn't work without spreading the risk, so you can't really have a la carte coverage. But yeah, there has to be logical constraint on that coverage and its cost distribution. What "logical" means as far as specific plans and premiums is of course always where the rub is. I'd argue that the "risk" isn't being spread, it's still centralized around the potential cause of catastrophe. It's the "cost" that's spread around, which is what Dogears is saying.. The folks on the coast still have the same risk probability to their property, but the overall costs to insure them increases premiums to folks far from those same risks who's probability of the same catastrophe happening is effectively zero. Which boils down to poor choice on someone else's part shouldn't affect the costs on my part, is what I take from it, and agree with that to some degree. On the other hand, there is actual significant risk in "trusting" the government. History is filled with governments failing the people time and time again. So when the ACoE says "trust us" I'm going to have to go with "no". Mosty every part of the country has their own brand of catastrophes. You can't say "I won't help you because that's not my problem because whatcha gonna do when something comes along that IS your problem any everybody turns their back?
United we stand. divided we fall. Don't be selfish. Maybe you live in a part of Texas that doesn't flood. That's great. What about what happens when that F5 tornado comes along?
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Post by johneppstein on Jul 11, 2019 11:45:20 GMT -6
It has been known for some time that the levees are not up to par and there should have been plenty of time to deal with it. But of course there's "no problem because climate change doesn't exist." And there has been no federal money to update things like levees. Yawn. Human nature is laziness and denial. The ACoE was certainly adamant that they were up to par beforehand, and there was certainly money to fix them after. Hindsight and all that. And with the year-over-year decrease in ACE (accumulated cyclone energy) which shows that storms are getting weaker and fewer, how can one possibly accurately attribute something like a single hurricane to a theory such as AGW? What decrease? the ACE has obviously been INCREASING pretty drastically over the last few years. Hurricanes are worse. Tornado Alley is a LOT worse, or don't you follow the news?
Decreasing? Tell it to the people in Joplin, OKC, or Puerto Rico (and remeber they're US citizens down there....), to name just a few.
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Post by matt@IAA on Jul 11, 2019 11:45:50 GMT -6
The levees weren't designed to handle that kind of combination of flood levels and storm surge. it has nothing to do with administrations. They simply aren't tall enough. The last time we had a flood stage this high was 1927. We had record amounts of snowfall across the midwest last winter and this is simply nature at work. But you'll also remember that back in 2005, the levees that eventually failed were "certified" by the Feds to hold and the main reason for mass casualties were that the local mayor and his government had stopped bussing service and told people no evacuation was needed, even though the governor had been calling for a total evacuation for days prior. If he had allowed the busses to run and hadn't been playing politics, many people would still be alive, including a friend of mine. But yes, this looks to be a possibly bad situation, and unfortunately the forecast models are not very good at predicting more than a couple days out. With a storm like this, a matter of miles can make the difference in storm surges and these storms can zig and zag dramatically as they come ashore. Best course of action is to GET OUT of town. It has been known for some time that the levees are not up to par and there should have been plenty of time to deal with it. But of course there's "no problem because climate change doesn't exist." And there has been no federal money to update things like levees. It's not about climate change. The flood control becomes almost a self-necessitating thing. Levees increase water depth, and velocity, which increases likelihood of floods in other places, so you need more levees, which... etc etc. The Mississippi has been flooding for eons. Same in Texas - as long as we have records we have these "unforeseen" flood events where Houston is now about once every 10-20 years. That's what happens when you live on the coast in a place that is flat (water doesn't drain quickly at all) and next to the Gulf of Mexico (humid, lots of rain, AND tropical rain to boot). And, for what its worth, they spent about $14 billion in federal money in New Orleans specifically for hurricane flood control, nevermind local project spend. The problem is, with subsidence the whole stupid thing will be moot in a few years. www.scientificamerican.com/article/after-a-14-billion-upgrade-new-orleans-levees-are-sinking/This is kind of nature's way of saying - this is a bad place to have a city. haha.
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Post by svart on Jul 11, 2019 11:47:52 GMT -6
I'd argue that the "risk" isn't being spread, it's still centralized around the potential cause of catastrophe. It's the "cost" that's spread around, which is what Dogears is saying.. The folks on the coast still have the same risk probability to their property, but the overall costs to insure them increases premiums to folks far from those same risks who's probability of the same catastrophe happening is effectively zero. Which boils down to poor choice on someone else's part shouldn't affect the costs on my part, is what I take from it, and agree with that to some degree. On the other hand, there is actual significant risk in "trusting" the government. History is filled with governments failing the people time and time again. So when the ACoE says "trust us" I'm going to have to go with "no". Mosty every part of the country has their own brand of catastrophes. You can't say "I won't help you because that's not my problem because whatcha gonna do when something comes along that IS your problem any everybody turns their back?
United we stand. divided we fall. Don't be selfish. Maybe you live in a part of Texas that doesn't flood. That's great. What about what happens when that F5 tornado comes along?
Well I don't live in texas. I never said not to help either. I just don't believe in using government to push pet belief systems on others. I believe that giving directly through donations of time and money are worth more than voting in politicians who promise to put money into programs yet end up squandering it.
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Post by svart on Jul 11, 2019 11:50:14 GMT -6
Yawn. Human nature is laziness and denial. The ACoE was certainly adamant that they were up to par beforehand, and there was certainly money to fix them after. Hindsight and all that. And with the year-over-year decrease in ACE (accumulated cyclone energy) which shows that storms are getting weaker and fewer, how can one possibly accurately attribute something like a single hurricane to a theory such as AGW? What decrease. the ACE has obviously been INCREASING pretty drastically over the last few years. You mean like this?
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Post by matt@IAA on Jul 11, 2019 11:57:28 GMT -6
Mosty every part of the country has their own brand of catastrophes. You can't say "I won't help you because that's not my problem because whatcha gonna do when something comes along that IS your problem any everybody turns their back?
United we stand. divided we fall. Don't be selfish. Maybe you live in a part of Texas that doesn't flood. That's great. What about what happens when that F5 tornado comes along?
That's part of what makes the 1927 flood so interesting. It was really the first time in this history of the US that the federal government stepped in for a local problem. It was actually widely opposed at the time as out of scope for the Feds. A seminal moment in how Americans view the role of the state / local government versus that of the federal government. I don't have any problem donating money and time to help others. I volunteered I don't know how many hours during tropical storm Allison running supplies up and down the stairs of the local hospital when the power was out -- the Houston Medical Center sent a call out to all boy scouts in the city, and so many of us showed up they had to turn the majority away. Cool moment. After that, I mucked out 10-15 flooded houses with my church youth group. When I was in college my ROTC outfit did a lot of work after Hurricane Rita and Katrina helping evacuees. Same story with Hurricane Ike in 2008. I probably did 10 houses with some buddies. And same after the Memorial day floods, and after the Tax day floods. And again after Hurricane Harvey - except this time one of the houses I was mucking out was my sister's, and I gave over the use of my studio to a family for over a year while their house was rebuilt. A bunch of good neighbors from Louisiana calling themselves the Cajun Navy rescued dozens and dozens of people in Houston during Harvey - God bless those crazy coonasses - we love 'em. So no, I'm not worried about united we stand. I just don't believe in forcing folks from Oregon or Montana or wherever to get taxed so my parents can have cheap insurance on their beach house. And I don't believe it is right that the federal government should subsidize people who live in a place like the Meyerland neighborhood in Houston that has flooded in nearly every flood I mentioned above. If you want to live where it floods every 4-5 years, more power to you...but why should I pay for you to get new floors, cabinets, appliances, and furniture on the regular? It's just silly. That kind of unreasonable safety net decouples risk from cost, and causes people to make bad decisions.
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Post by johneppstein on Jul 11, 2019 11:57:31 GMT -6
Mosty every part of the country has their own brand of catastrophes. You can't say "I won't help you because that's not my problem because whatcha gonna do when something comes along that IS your problem any everybody turns their back?
United we stand. divided we fall. Don't be selfish. Maybe you live in a part of Texas that doesn't flood. That's great. What about what happens when that F5 tornado comes along?
Well I don't live in texas. I never said not to help either. I just don't believe in using government to push pet belief systems on others. I believe that giving directly through donations of time and money are worth more than voting in politicians who promise to put money into programs yet end up squandering it. It's way past being a "pet belief system". One only has to look at the changes in weather patterns over the past 15-20 years.
I used to be a climate change/global warming skeptic, based on the fact that a couple of well publicized early studies were flawed by bad procedure. But by now it's pretty obvious that it's real. The glaciers are visibly melting. The southern ice cap is shrinking at an alarminmg rate. So in the Arctic ice (which isn't exactly a "cap" since there's no continent up there.) There's ample photographic evidence for all this.
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Post by ragan on Jul 11, 2019 12:01:46 GMT -6
As an extremely broad generality, insurance doesn't work without spreading the risk, so you can't really have a la carte coverage. But yeah, there has to be logical constraint on that coverage and its cost distribution. What "logical" means as far as specific plans and premiums is of course always where the rub is. I'd argue that the "risk" isn't being spread, it's still centralized around the potential cause of catastrophe. It's the "cost" that's spread around, which is what Dogears is saying.. The folks on the coast still have the same risk probability to their property, but the overall costs to insure them increases premiums to folks far from those same risks who's probability of the same catastrophe happening is effectively zero. Which boils down to poor choice on someone else's part shouldn't affect the costs on my part, is what I take from it, and agree with that to some degree. On the other hand, there is actual significant risk in "trusting" the government. History is filled with governments failing the people time and time again. So when the ACoE says "trust us" I'm going to have to go with "no". Yeah I just meant insurance doesn't work, generally, if the customer gets to say, "Well, I only want to pay into the pool that encounters _______ risk because I only feel obligated to contribute to those funds." We don't all have the same risk profiles and an insurance company has to be able to group things together in some way to make the math work. We're all inherently going to share some of the cost and some of the benefit of the risk profiles of other people. Sometimes we'll be paying for their bad moves and sometimes they'll be paying for ours. I agree that the sort of intuitive "well I don't wanna pay for those jackasses over there..." aesthetic is attractive but I don't think that's how the actuarial math works. Now, whether the whole gigantic insurance complex is the way we should be handling all this is an entirely different question and one I personally don't have a good answer to.
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Post by ragan on Jul 11, 2019 12:11:06 GMT -6
What decrease. the ACE has obviously been INCREASING pretty drastically over the last few years. You mean like this? I'm not a climate scientist so I don't have an opinion on the data claims made here but I personally wouldn't look to a place like the Cato Institute for legitimate, objective analysis. I'd feel the same way if it were a left-wing org instead of a Koch-funded right-wing org. On such a culturally-charged topic, it's a giant red flag for me when an organization has a clear and articulated ideological agenda. I don't want any organization who style themselves as being engaged in scientific research to be functioning as a farm for cable news punditry, regardless of the direction of their bias. And billionaire-funded pet-activism vehicles are among the sketchiest of these groups.
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Post by svart on Jul 11, 2019 12:13:24 GMT -6
Well I don't live in texas. I never said not to help either. I just don't believe in using government to push pet belief systems on others. I believe that giving directly through donations of time and money are worth more than voting in politicians who promise to put money into programs yet end up squandering it. It's way past being a "pet belief system". One only has to look at the changes in weather patterns over the past 15-20 years.
I used to be a climate change/global warming skeptic, based on the fact that a couple of well publicized early studies were flawed by bad procedure. But by now it's pretty obvious that it's real. The glaciers are visibly melting. The southern ice cap is shrinking at an alarminmg rate. So in the Arctic ice (which isn't exactly a "cap" since there's no continent up there.) There's ample photographic evidence for all this.
That's kinda funny, I used to be a card-carrying believer and die hard advocate for saving the planet from climate change, until I started reading the real papers instead of the headlines. 20 years now I've studied climate change as an enthusiastic hobbyist, a member of a few different pro and skeptic groups over the years, and have my name attached to a group who aggregated data on thousands of NWS weather stations, which found siting/location inconsistencies on the order of 80% of NWS weather stations biased out of usable range due to human encroachment (UHI or urban heat island). (BTW, the NWS/NOAA said "no thanks" to the results of the paper, especially when they found that the conclusion is that using rural sites that weren't biased by UHI showed no appreciable change in average temperature over the lifespan of the sensor network..) I'm now what they call a luke-warmer. I believe people can change the climate, but in much, much smaller amounts than are stated are possible. We could debate the modelling algorithms and I could point out all the various reasons that climate scientists make horrible statisticians and why the models always produce a warming effect, even when pure white noise is introduced as the raw data.. But I don't think I will, in order to keep the peace around here. But to tersely retort, glaciers are now growing again, greenland has put on 2 consecutive years of record ice growth, the arctic is still within 2 standard deviations of "median" values and is barely halfway through the multi-decadal cycle, the Antarctic has put on record amounts of ice up until a 2 years ago when the western ice shelf started melting faster due to increased volcanic activity below (which they aren't actually mentioning as the cause), and the photos are generally cherry picked, such as the most recent on with "open water" in greenland which is actually from snow melt and is completely normal.
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Post by matt@IAA on Jul 11, 2019 12:14:46 GMT -6
ragan no doubt, I'm totally fine with a risk pool. Like you say, it's how insurance works. But insurance is supposed to be against unforeseen events, or events of some kind of low-probability with high impact. No one buys insurance for a $20 event, right? And no one buys insurance for something that happens every other month. The whole thing is a hedge, trading uncertain future costs for known predictable costs. At some point you have to say - well... flood events in low-lying areas in Houston are never going to be insurable. Because the event probability is so high, and the cost to rebuild there is so high, that the property simply isn't worth it. Same with a beach house. Or a house below sea level, next to the largest river in the country, next to a hurricane-prone gulf. So who should pay for someone to get to live there, perpetually upside down? You? Me? Them? I'm not talking about griping about paying for fire service, or risk pool for homeowners, yknow?
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Post by svart on Jul 11, 2019 12:25:35 GMT -6
ragan no doubt, I'm totally fine with a risk pool. Like you say, it's how insurance works. But insurance is supposed to be against unforeseen events, or events of some kind of low-probability with high impact. No one buys insurance for a $20 event, right? And no one buys insurance for something that happens every other month. The whole thing is a hedge, trading uncertain future costs for known predictable costs. At some point you have to say - well... flood events in low-lying areas in Houston are never going to be insurable. Because the event probability is so high, and the cost to rebuild there is so high, that the property simply isn't worth it. Same with a beach house. Or a house below sea level, next to the largest river in the country, next to a hurricane-prone gulf. So who should pay for someone to get to live there, perpetually upside down? You? Me? Them? I'm not talking about griping about paying for fire service, or risk pool for homeowners, yknow? I think it's like what happened when municipalities started putting in laws that kids had to wear helmets while riding bikes and skateboards and such.. Traumatic head injuries went waaaaay up, even with the vastly increased percentage of helmet wearing. Why? Studies after the fact showed that the helmets assuaged fears of pain and death in kids.. simply put they felt invincible while wearing them and went on to attempt much more dangerous things than they would normally feel comfortable doing. The addition of the helmet, (here as an analogue to insurance) created a sense of safety that was not necessarily linked in reality. Same with insurance, people will say "it's no big deal, I have insurance" and take risks that are probably more unreasonable than ones they would have taken had they been totally responsible for the outcome. So in some degree, I think that spreading the risk also leads to watering down the feeling of responsibility of the outcome and they end up (re)building in locations like coastlines where they know the risks are high, but they also know the costs of a catastrophe are not theirs to shoulder alone due to insurance.
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Post by johneppstein on Jul 11, 2019 12:28:47 GMT -6
What decrease. the ACE has obviously been INCREASING pretty drastically over the last few years. You mean like this? Maue at least is a prominent climate change denier and loose cannon in the meteorology community. Still researching Klotzbach, but at best his chart is several years old.
And statisticians can manipulate the figures to prove anything.
Me, I'll take accredited scientists for my references, starting with the meterologists at NASA.
Do you understand the concept of a tipping point? By all appearances we've just passed onto the bad side of a big one. It's becoming increasingly obvious that things have changed fairly drastically over the past few years. Global weather patterns have been obvipously and visibly altered, unless you don't believe in weather satellites and radar mapping.
Me, I got hooked on science as a small child due to growing up in an academic environment and having a few scientists in the family, and I do pay attention to the most recent developments.
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Post by johneppstein on Jul 11, 2019 12:33:39 GMT -6
I'd argue that the "risk" isn't being spread, it's still centralized around the potential cause of catastrophe. It's the "cost" that's spread around, which is what Dogears is saying.. The folks on the coast still have the same risk probability to their property, but the overall costs to insure them increases premiums to folks far from those same risks who's probability of the same catastrophe happening is effectively zero. Which boils down to poor choice on someone else's part shouldn't affect the costs on my part, is what I take from it, and agree with that to some degree. On the other hand, there is actual significant risk in "trusting" the government. History is filled with governments failing the people time and time again. So when the ACoE says "trust us" I'm going to have to go with "no". Yeah I just meant insurance doesn't work, generally, if the customer gets to say, "Well, I only want to pay into the pool that encounters _______ risk because I only feel obligated to contribute to those funds." We don't all have the same risk profiles and an insurance company has to be able to group things together in some way to make the math work. We're all inherently going to share some of the cost and some of the benefit of the risk profiles of other people. Sometimes we'll be paying for their bad moves and sometimes they'll be paying for ours. I agree that the sort of intuitive "well I don't wanna pay for those jackasses over there..." aesthetic is attractive but I don't think that's how the actuarial math works. Now, whether the whole gigantic insurance complex is the way we should be handling all this is an entirely different question and one I personally don't have a good answer to. Well, I'm not a huge fan of private insurance companies because it's their "job" to extract as much money as possible from their customers while paying out as little as possible in coverage, which is why I tend to favor government coverage since the government is, at least ostensibly, nonprofit.
This shouldn't be a political matter, it's for the good of everyone.
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