Grooming

This is the real purpose of making children into the victims of sexual programming: the goal is to isolate them from their more conservative parents, make them feel like unwanted outsiders, then turn them into soldiers for the revolution:

24 Hours of Patriot’s Day

The 24 hour period that begins with sunrise on April 19 is a very busy day in history.

Insurance

News for homeowners in Florida who wish to have insurance is rough. Insurance companies can’t do business in Florida, mostly because of the high cost of hurricane damage. The average Florida homeowner is paying $4,231 for their property insurance: nearly triple the national rate of $1,544. Homeowners in Florida pay the highest rates of any state in the US. Those rates are set to increase in June by an estimated 40%, on average.

The state of Florida has a taxpayer funded insurance system for those who cannot obtain homeowners’ insurance from a private carrier. This carrier is called Citizens’ Insurance. One in five Florida homes is insured by that fund, and that number will continue to climb as insurers leave the state. Things can’t continue on this path.

Insurance is nothing but a dilution of risk. That is, the risk of damage to homes is spread out among all of the people who have insurance policies, and the premiums of everyone are used to pay the damages of those who have losses. The problem with diluting risk in Florida is that oceanfront homes are worth 50 to 100 times as much as homes located further inland. For every insured oceanfront home that is lost, the premiums of as many as 150 inland homes are used paying for the damages. Pick any coastal city in Florida and look at the home costs. A single family home on the oceanfront that sells for less than $1,000 per square foot is a steal. In Miami, single family oceanfront homes START at $20 million each.

Couple that with the fact that the vast majority of hurricane damage is within two miles of the coast. Insurance companies can’t charge $100,000 a year for insurance premiums, so they spread that cost amongst every homeowner in Florida. This can’t continue because it is mathematically impossible for the situation to stay as it is. Currently, I pay 1.5% of the value of my house each year to insure it.

If the state of Florida wants to fix the insurance problem in the state, they need to divorce the risk pool of oceanfront homeowners from the rest of the state’s homeowners. If you want to build and live in a $10 million home on the beach, fine. But make your insurance premiums 5% of the home’s value, but stop raising my insurance to cover for your house.

Odd

So I am in the middle of changing all of my passwords. The reasons for that will be discussed in an upcoming post within the next few weeks, but it involves a data breach. I deactivated my Facebook account more than a year ago. I have not logged in since. So when I logged in to my account this morning to change the password, I was surprised to see a notification that my account has been flagged for posts that indicate I am considering suicide, and that my post was removed from my account, and reported to the authorities for possible suicidal ideation.

The post was dated December 19, 2019.

For the record:

  • I don’t know anyone in the Clinton family
  • I am not suicidal, nor do I have plans to hurt anyone, including myself
  • I don’t even know what the post supposedly said, as I can’t even see it myself
  • The supposedly offending post was from more than three years ago.
  • I haven’t even logged into that account in more than a year.

Interesting

There is a discussion on Twitter whereby some moron is claiming that the only contribution that refrigeration has made to mankind is to make beer cold. Check it out.