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Water Cooler / Weird Bathroom Habits of Westerners
« Last post by ergophobe on Today at 06:21:21 PM »
Yup... we're weird.

I've long thought about one of those Japanese toilets...
Didn't know about the caps. So then it should end up similar to what I was describing for wildfires - you'll end up with people who are too poor to relocate and people who are rich enough to handle the risk, and nobody in the middle.

I think the fire "problem" is a bit easier to manage in that we have a lot more control. The big issue we have is that I do not own all the land within 100 feet of my house, so I can't cut and brush that land. The county is looking into changing the law to allow me to do that, but it's very complicated because of the property rights of the person next to me. The idea is that if I can't be in compliance due to brush on my neighbor's land, there would be some course of action I could take, even if that person was opposed.

So the two options are
1. We do as we do now and there is no real way to make a community fire safe.
2. We can make it fire safe with a heavy regime of fines and penalties and code reform that lets me cut all those trees around my neighbor's house if he won't do it himself.

I'm pretty sure we'll end up with Option 1 and fire blankets will be the equivalent of raising houses up another three feet.
CBRE said the vacancy rate for commercial office space in 17 major cities rose to 21.5% in 3Q19, a level not seen since the global economy was melting down in 2008.

Catherine Chen, Cushman & Wakefield's head of research for Greater China, told Financial Times that soaring commercial office vacancies in China was mainly due to dwindling demand, but not oversupplied conditions.

Water Cooler / Re: Fire blankets can protect buildings from wildfires
« Last post by rcjordan on Today at 12:55:42 PM »
Fed flood insurance has a substantial cap -$500k structure / $50k contents, residential OR commercial. So it (or CA fire insurance) isn't enough to adequately cover the cost of replacement.  Since it isn't indexed to inflation, it's being reformed as construction prices increase.

Lots of qualifying parameters are mandated and many now-expensive items are not covered (heat pump outdoor units, piers, bulkheads, lanscaping). If a similar program were to be developed for CA fires, it would likely mandate the setbacks and clearings, roof types, etc. If the adjuster found that you are were in violation (brush near house, new addition with shake roof) you wouldn't be able to collect.
Water Cooler / Re: Fire blankets can protect buildings from wildfires
« Last post by Brad on Today at 10:31:43 AM »
It's a matter of time before the Fed flood insurance gets reformed.  It might take a generation tho.
Hardware & Technology / Google Correlate shutting down
« Last post by ergophobe on Today at 05:37:07 AM »
I went to Google Correlate today and saw a notice that it's shutting down on Dec 15, 2019, due to low usage

I had not used it myself in a long time, but it was (or still is for a short bit) a fun tool to play with.

Why does search volume for "running" correlate so well with "when to call a doctor"? You only have a couple more months to ponder such burning questions
I just listened to a Fresh Air interview with Gilbert Gaul, author of The Geography of Risk: Epic Storms, Rising Seas, and the Cost of America's Coasts

He said that in 2012, they revamped the system, realizing that it was absurd that the government was footing the bill for wealthy people to rebuild in flood plains because of the national flood insurance system. But as the premiums rose, people freaked out, mayors complained their towns would be depopulated and so forth. So it's still a complete mess that distorts the risk and who pays.

I feel like we're getting there with wildfires. I'm afraid that pretty soon, people will start pushing for subsidized fire insurance (even though I would benefit, I am against this on principle) and it seems like there are few constraints on rebuilding after wildfires.

The hurricane/flood plain problem is off the hook because of the subsidies in place since 1965, but if we are not careful, the wildfire problem could get just as bad if similar subsidies distort the market.

But anyway, all I really wanted to say was that it's sort of an answer to your question elsewhere about whether insurance rates could make people move. Apparently, if you charge the true cost of flood insurance at rates that accurately reflect the risk, people start moving away in droves.
Water Cooler / Re: What bankruptcy looks like in Google Trends
« Last post by rcjordan on Today at 01:31:17 AM »
Brit clothing chain Bonmarché collapses into administration – 2,900 jobs at risk
Water Cooler / Re: Watch pron
« Last post by littleman on October 18, 2019, 10:45:38 PM »
You have this yet NFFC?
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