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 […]
Category Archives: Business
Climate Change and Homeowners’ Insurance
Also posted in Energy, Environment, Global Warming, Government, health and wellness, Science
Tagged climate change, extreme weather events, flood insurance
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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 […]
Also posted in Agriculture, Energy, Environment, Global Warming, Science, weather
Tagged climate change
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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 […]
Also posted in Environment, Finance, Global Warming
Tagged climate change, money, real estate
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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 […]
Also posted in Environment, Global Warming, Government, health and wellness, Science
Tagged climate change, real estate
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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, […]
Also posted in Environment, Global Warming, health and wellness, Science
Tagged climate change, insurance
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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 […]
Also posted in Energy, Environment, Global Warming, health and wellness, Science
Tagged extreme weather events, flood insurance, flooding, Government, real estate, rising sea level, Science, weather climate change
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Climate Change Today
By Daniel Brouse March 23, 2024 We are aware that the average temperature increased by 1.2°C by 2022. Subsequently, the annual average temperature exceeded 1.5°C for the first time in January 2024. There is a substantial likelihood that if humans persist in emitting greenhouse gases at the current rate, the temperature will rise by 4°C […]
Also posted in Energy, Environment, Global Warming, Science
Tagged climate change, extreme weather events
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About the Membrane Domain
This website was established by a diverse group, including musicians, writers, computer wizards, businessmen, videots, and individuals with a keen interest. We named this collective effort “The Philadelphia Spirit Experiment.” PHILADELPHIA? Frustrated with outdated systems and unsuccessful attempts to change them, we chose to take action — perhaps in the spirit of our forefathers? SPIRIT? […]
Also posted in children, Christmas, Education, Energy, Environment, Finance, freedom, Global Warming, health and wellness, Medicine, music, Politics, Religion, Science
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Earth’s Vital Signs
by Daniel Brouse Human-induced climate change serves as a dynamic and intricate component within an unordered system, guided by chaos theory. This suggests that global warming is undergoing exponential acceleration in a complex manner. The pace at which climate change is accelerating can be described as rapid, as evident in the intensity, duration, and likelihood […]
Also posted in Agriculture, children, Education, Energy, Environment, Finance, Global Warming, Government, health and wellness, International, music, Philosophy, Politics, Religion, Science
Tagged action, aid, cliamte change, discontinue, help, love, pollution, reduce
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Climate Change: What Can I Do?
by Daniel Brouse and Sidd Mukherjee Achieving “net zero” is not only accessible but also cost-effective, providing substantial savings while contributing to the preservation of our planet. Here are some practices I’ve adopted to reach net zero without compromising my standard of living, and, in fact, surpassing it in an effort to eliminate all my […]
Also posted in Agriculture, Energy, Environment, Global Warming, health and wellness, Science
Tagged climate change
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