Tag Archives: real estate

Climate Change and Water Rights: When Water Becomes More Valuable Than Land

By Daniel Brouse Climate change is making water security impossible to ignore. You don’t need a scientific report to see it—just look out your window. Floods, droughts, shrinking reservoirs, and increasing competition for freshwater are becoming part of everyday life. Back in the 1990s, we warned that one day there would be “water wars.” We […]

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Climate Change and Financial Liquidity

A Capital Preservation Strategy for an Uncertain Future By Daniel Brouse Introduction: Avoid the Minsky Moment A “Minsky Moment” refers to a sudden, major collapse of asset prices following a long period of market growth and speculative risk-taking. Named after American economist Hyman Minsky and coined by Paul McCulley of PIMCO in 1998, the concept […]

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Financial Survival 101: Liquidity, Capital Preservation & Long-Term Strategy

Preparing for Economic Uncertainty Without Panic By Daniel Brouse Capital Preservation Is Survival Rule #1 Capital preservation has always been a cornerstone of sound financial planning. In periods of heightened economic uncertainty, however, it becomes the overriding priority. The goal is not to maximize returns at all costs. It is to ensure that you retain […]

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All Real Estate Is Vulnerable to Climate Change

Understanding the Physical, Financial, and Market Risks Facing Property Owners For generations, real estate has been viewed as one of the safest long-term investments. Land cannot be manufactured, buildings can be improved, and population growth has historically supported rising property values. Climate change is altering many of the assumptions that have underpinned real estate markets […]

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Extreme Energy Event: Violent Rain

“Climate change is increasing the amount of energy violent rain events contain, amplifying how much damage they can inflict.” The physics of wind and rain are important to understand: their destructive force increases nonlinearly with velocity and is further amplified by density and mass. Even relatively small increases in wind speed or rainfall intensity can […]

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Climate Risk, Denial, and the Return of Negative Equity in U.S. Housing Markets

by Daniel Brouse Abstract As of late 2025 and early 2026, negative equity—homes worth less than the outstanding mortgage—has reached its highest level since early 2018. While national averages remain relatively modest, localized distress is accelerating in several rapidly expanded Sunbelt markets. The primary drivers are declining property values in high climate-risk regions, surging insurance costs, […]

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America’s Water Crisis: Climate Change Is Reshaping Freshwater Security in the U.S.

by Daniel Brouse / December 5, 2025 Much of the United States is already experiencing severe, measurable impacts of climate change on freshwater availability. These changes are not abstract predictions — they are unfolding in real time, impacting drinking water supplies, agriculture, ecosystems, and energy production. From the rapidly drying West to the saltwater-intruded aquifers […]

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A Complex Example of Real Estate and Estate Planning

Complicated Real Estate Estate Example Q: Can you address the concerns if the deed is titled in a living trust? Great question — and yes, living trusts add another layer that’s important to understand. If your property is part of a HOA/POA and is titled in a living trust, the key issue is this:The trust […]

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Earth at the Threshold: CO₂ Acceleration, Systemic Feedback Loops, and the Coming Era of Rapid Sea-Level Rise

by Daniel Brouse and Sidd MukherjeeNovember 17, 2025 CO₂ is only one component in a vast, interconnected climate system — but it remains the most significant driver of human-caused warming. While water vapor, clouds, aerosols, and ocean circulation all play essential roles, CO₂ is the primary forcing mechanism we directly control. And today, it is […]

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Estate Planning & Real Estate Ownership: What Property Owners Should Know

by Daniel Brouse November 16, 2025 Many property owners don’t realize they already have a form of estate plan in place—simply through how their name is listed on the deed. Whether you own a home, a vacant lot, or an investment property, the structure of your ownership determines what happens to the property when you […]

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