Category Archives: Government

National Flood Insurance Program Increasing Rates

FEMA is updating the National Flood Insurance Program’s (NFIP) risk rating methodology through the implementation of a new pricing methodology called Risk Rating 2.0. The methodology leverages industry best practices and cutting-edge technology to enable FEMA to deliver rates that are actuarily sound, equitable, easier to understand and better reflect a property’s flood risk. The […]

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The Federal Reserve, the Treasury, and You

We were talking about a graph of the record high stock market… and, I said: You definitely need to keep this graph with it… the main reason the stock market is at this level is because the Federal Reserve has been buying stocks and bonds… lots of them. (That’s over 7 trillion pictured in the […]

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Daniel Brouse: About the Author

Q: Any background on membrane .com? A: In 1994, I started a publishing company with another scientist (low temperature physicist and co-builder of the Ohio States supercomputer). The name of the publishing company is The Philadelphia Spirit Experiment. As the name suggests, it is a scientific experiment in the publishing of arts and science. At […]

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Assessing Climate Risk

The LA Times reports,”The municipal bond market looks to satellites to help assess climate risk” The $3.8-trillion municipal-bond market has found a new tool in its effort to understand the effects of climate change: satellites orbiting Earth. Assessing climate risks is a particularly vexing problem given that U.S. state and local governments tend to give […]

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Need to Prepare for Millions of Climate Change Refugees

World needs to prepare for ‘millions’ of climate displaced: U.N. January 21, 2020 Reuters reported: DAVOS, Switzerland (Reuters) – The world needs to prepare for millions of people being driven from their homes by the impact of climate change, the United Nations High Commissioner for Refugees. Speaking to Reuters at the World Economic Forum, Filippo […]

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The True Costs (and Benefitlessness) of a Trump Economy

January 23, 2020 What are the costs and benefits to the United States under a Trump economy? Financial Analysis: Current State of Affairs First, start with a financial analysis — a snapshot of the current economic health of the nation. What would a financial analysis that is similar to an individual applying for a bank […]

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Worst Economy Ever: United States Financial Health in 2020 Hindsight

by Daniel Brouse Economist, Pi Gamma Mu January 22, 2020 The U.S. economy is the worst in history. There are several measures for the health of an economy. One of the best is the “debt to GDP” ratio. National debt divided by the nation’s gross domestic product = debt to GDP ratio. During 2019, the […]

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Climate Change and Disaster Displacement

The UN Refugee Agency reports: Research indicates that the Earth’s climate is changing at a rate that has exceeded most scientific forecasts. Some families and communities have already started to suffer from disasters and the consequences of climate change, which has forced them to leave their homes in search of a new beginning. UNHCR recognizes […]

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The Ocean and Cryosphere in a Changing Climate

The latest Intergovernmental Panelon Climate Change (IPCC)Special Report high lights the urgency of prioritizing timely, ambitious and coordinated action to address unprecedented and enduring changes in the ocean and cryosphere. The report states the sea level is rising much faster than previously forecast. The Intergovernmental Panel on Climate Change (IPCC) warns one billion people will […]

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Do You Need Flood Insurance?

by Daniel Brouse and Sidd Mukherjee There’s a thing about climate change and a rising sea level that took me a while to grasp… a lot of the water isn’t actually in the sea. As more water accumulates in the sea and the temperature rises, more energy is also being stored in the sea. Now, […]

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