Category Archives: Business

9 Climate Change Tipping Points Crossed

By Daniel Brouse March 28, 2024 Tipping points are Critical Milestones that directly impact the rate of acceleration in climate change by multiplying the number and intensity of feedback loops. Identifying and understanding these tipping points is crucial for climate science and policymaking. Crossing multiple tipping points could lead to a domino effect, resulting in […]

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Climate Change: Inexplicable Consumer Behavior

By Daniel Brouse March 24, 2024 Climate change is primarily driven by the escalation of thermal energy affecting biogeophysical and socio-economic systems. While biogeophysical factors can be studied using math, physics, and historical records, socio-economic systems pose greater challenges due to the unpredictable consequences of human behavior and inexplicable consumer choices. Inexplicable consumer behavior in […]

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Shipping Pollution (Sulfur Emissions and Climate Change)

by Daniel Brouse There are several critical issues associated with marine fuel pollution used in international shipping. Shipping pollution is a global problem, spreading air pollution across the world. Historically, marine fuels have contained higher levels of sulfur due to the lower cost of lower-grade fuel oil. However, heavy fuel oil contains, on average, 2700 […]

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The Sleeping Giant Rages Against the Ghost in the Machine Update

by Daniel Brouse March 23, 2024 You asked: I am terrified of what the summer will bring. Yet I also wonder if enough people suffer from out-of-control heat, might it wake up some sleepers? There aren’t enough people paying attention. This is also a significant concern for me. Traditionally, we would expect to observe a […]

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Climate Change and Homeowners’ Insurance

by Daniel Brouse A significant factor contributing to both increased costs and decreased availability of homeowners insurance is climate change. The surge in insurance costs is primarily driven by the unprecedented number of climate-related disasters. States like California, Louisiana, and Florida now heavily rely on government aid to manage the financial burdens associated with residential […]

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Enso-Neutral Not So Neutral

by Daniel Brouse The neutral phase of the El Niño-Southern Oscillation (ENSO) occurs when water temperature anomalies in the eastern and central Pacific range between 0.5 °C and -0.5 °C. During this period, neither La Niña nor El Niño conditions dominate, and it is sometimes humorously referred to as “La Nada”; however, ENSO-neutral is anything […]

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Investments / Savings / Asset Allocation Update

Investment Recommendation: I Bonds and T-Bills One of the best investments is Treasury Direct I Bonds. I Bonds’ interest rates are determined by the rate of inflation. I Bonds can be purchased directly from the Treasury Department without a middle man, brokerage, or bank. There is no risk of losing your principle investment. They are […]

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Costly Disasters: Hurricanes

By Daniel Brouse In the United States, hurricanes stand out as the most financially burdensome type of climate-related disaster. While the number of disasters related to extreme weather events such as rain, hail, and wind, resulting in over a billion dollars in damage may be higher, the sheer magnitude of damage caused by a single […]

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Inflation Update: Auto Insurance

by Daniel Brouse In recent inflation reports, homeowners’ insurance, wages, and auto insurance have emerged as primary drivers contributing to the persistence of inflation. The inflationary pressures on auto insurance have been further exacerbated by two key factors: 1) Collision coverage: The prevalence of accidents caused by distracted driving, particularly due to cell phone usage, […]

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Climate Change, Inflation, and You

Currently, a major contributor to inflation is the surge in homeowners’ insurance costs, propelled by the unprecedented number of climate disasters in 2023. California, Louisiana, and Florida are now dependent on government assistance to manage the financial burden of residential property insurance. Flood insurance will become expensive and difficult to obtain. NOAA: A historic year […]

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