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.

Shell Game

California is going to a fixed rate electrical billing system where electric rates are set by the household’s income level.

  • Households earning less than $28,000 a year would pay a fixed charge of $15 a month on their electric bills in Edison and PG&E territories and $24 a month in SDG&E territory.
  • Households with annual income from $28,000 – $69,000 would pay $20 a month in Edison territory, $34 a month in SDG&E territory and $30 a month in PG&E territory.
  • Households earning from $69,000 – $180,000 would pay $51 a month in Edison and PG&E territories and $73 a month in SDG&E territory.
  • Those with incomes above $180,000 would pay $85 a month in Edison territory, $128 a month in SDG&E territory and $92 a month in PG&E territory.

Setting aside the entire “make more/pay more” thing, this is really dumb. People will be paying between $15 and $128 per month for electricity, no matter how much they consume? Yep, that is EXACTLY what they are proposing.

Under the SDG&E plan, customers would pay a fixed price that covers most of the utility’s energy delivery service that would not change month-to-month regardless of how much electricity is consumed.  

I said to myself that there had to be a catch. It turns out that there is. This pricing scheme only covers the part of your electric bill that is sold via SDG&E.

 This portion of a customer’s bill, which is mostly related to the electricity purchased from natural gas, wind and solar plants, will continue to vary based on electricity usage. In San Diego County, nearly 85% of customers have their electricity purchased by local governments known as community choice aggregators or other entities – not SDG&E.

OK. This is just another grift, with the intention of redistributing money from one class to another, using socialism as cover.

Theatrical Arrest

Whether or not the Air Force intel weenie actually committed the crimes he is accused of, his arrest was pure theater, as is the press coverage of the arrest.

Seriously, half a platoon of heavily armed troops supported by at least two armored vehicles? Who are they arresting: an Air Force chairborne commando, or John Rambo? And is that a belt fed machine gun? You need full auto support weapons?

Then there is this quote, from the article:

Members of the “Thug Shaker Center” group said in interviews with the Times that the online community has been a place for teenage boys and young men to bond over their love of guns, play war-themed video games and swap memes, some of them racist.

OMG, he loved guns and was a racist!!eleventy!!1!

‘Not knowing his mental state, going up against a trained military person in a house with weapons was not an ideal scenario.’

Wait? Am I missing something here? He was in Intel, not a fucking commando.

Even Pravda and Izvestia during the heyday of the Soviets weren’t this heavy handed with their propaganda. Isn’t amazing that they found this guy in a matter of five days, but can’t verify Hunter’s laptop or find the person who planted the bombs on J6, even years later? They can’t find the person who leaked the recent SCOTUS decision on abortion?

This smells to high heaven. The FBI knows exactly what kind of training he has, and they know damned well that he wasn’t this much of a threat. What else are they lying about? I have to assume they are lying about all of it. This guy is a patsy.

Next, will the FBI be raiding the Biden homes to look for documents? Isn’t it ironic that Biden, whose family has likely been peddling US intelligence information for years, is the one ordering more security for classified documents? Next, there will be an EO that all classified material must be stored in Biden’s garage, where it will be safe from the Chinese.