by Daniel Brouse January 15, 2025 Climate change is gaining momentum due to feedback loops, cumulative emissions, and accelerating impacts that amplify the problem over time. Here’s how it happens: 1. Increased Greenhouse Gas Emissions Cumulative Effect: Greenhouse gases (GHGs) like CO₂ and methane remain in the atmosphere for decades to centuries. The more we […]
Category Archives: Global Warming
Climate Change is Gaining Momentum
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Homeowners Insurance Coverage $1 Trillion Climate Change Hole
by Daniel Brouse January 12, 2025 The “$1 trillion hole” in homeowners insurance coverage refers to the growing gap between the actual costs of damage caused by natural disasters and the insurance coverage available to homeowners. This coverage gap has emerged due to a combination of factors, many of which are exacerbated by climate change […]
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A System Under Strain: The Insurance Crisis
by Daniel Brouse January 11, 2025 California Faces Unprecedented Challenges as Los Angeles Wildfires Rage Just days into the devastating wildfires sweeping through Los Angeles, with flames still raging uncontrollably, early damage estimates have already reached a staggering $57 billion. As these fires continue to spread, that figure is expected to climb, highlighting the intensifying […]
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The Los Angeles Wildfires: A Record-Breaking Climate Disaster
by Daniel Brouse January 9, 2025 The Los Angeles wildfires are shaping up to be the most expensive climate disaster in history. Just days into the crisis, with most fires still raging out of control, early damage estimates have already reached a staggering $57 billion. As these fires continue to spread, that figure is expected […]
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Climate Change Superfund Act
by Daniel Brouse New York State has enacted the Climate Change Superfund Act, a pioneering law that mandates large fossil fuel companies to contribute financially toward mitigating climate change impacts. Signed by Governor Kathy Hochul, this legislation requires major oil, gas, and coal companies to pay a total of $75 billion over 25 years, equating […]
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Heaven, the Soul, and the Meaning of Life
by Daniel Brouse The questions “How do I get to go to heaven?” and “What is a soul?” have intrigued humans for millennia. These concepts touch on the deepest aspects of human existence, offering not only spiritual and philosophical contemplation but also a search for purpose in the cosmos. Our understanding of these concepts has […]
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How Risk Management Turns to Crisis Management
by Daniel Brouse December 23, 2024 I have spent my life in the study and implementation of risk management. I obtained degrees with honors and academic accolades in economics, philosophy, and logic, including becoming the youngest subscriber to the Federal Reserve’s “Beige Book,” the country’s youngest university-level statistics tutor, and an inductee into both the […]
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The Golden Rule of Sustainability: Applying Game Theory to the Climate Crisis
Hypothesis: Q: Do unto others, as you would have them do unto you. Or, what? A: Or, the elimination of all players is possible. PROOF Introduction A proof of The Golden Rule. The Golden Rule can be applied to economics similarly to Nash’s Equilibrium (or Le Chatelier’s Principle in chemistry): “The best responses of all […]
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The Hidden Price of Progress: Unraveling the Economic, Environmental, and Human Costs of Climate Change
by Daniel Brouse November 29, 2024 / Black Friday The exact cost of climate change is challenging to calculate due to the sheer complexity of the issue and the myriad variables that are difficult to quantify. However, specific climate-related events provide tangible examples of its economic and societal impacts. Climate Disasters For instance, the 2019 […]
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The Cost of Climate Change: Rising Homeowners Insurance Rates
The average annual homeowners insurance premium for a $300,000 house varies widely by state, driven by factors like natural disaster risks, repair costs, and location-specific risks. For example, in states with frequent hurricanes, like Florida, the average premium is exceptionally high, around $10,996. In contrast, Idaho has a more affordable rate, at around $1,636, while […]
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