Anthropogenic Global Warming ... how hot is it ?

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NBC-TV News reports in the current U.S. farm belt heat wave the temperature increase is enough for hay stored in barns in some cases to combust spontaneously.

For this and related reasons, expect food prices to increase soon.

note:
Despite cyclical seasonal variations Earth's climate might within one human life, less than a century, seem fairly stable.
But over the course of many millennia Earth's climate naturally changes for various reasons.
There are multiple reasons for alarm about the current global warming trend.
- It's "anthropogenic"*: caused by humans
- warming Earth means rising sea level. That can be disastrous for the many millions that live in low-lying coastal cities around the globe.
- If agribidness food production fails due to climate region shift, famine can result.

* The American Heritage® Dictionary of the English Language, Fifth Edition copyright ©2022 by HarperCollins Publishers. All rights reserved.
 
We're already seeing insurance companies moving out of Florida and California (among other places) because of climate change.
 
Shiftless2 said:
We're already seeing insurance companies moving out of Florida and California (among other places) because of climate change.
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I confess my puzzlement. Not clear what business model they're applying. I thought the business formula was: $operating $cost + $profit = $retail $price
Are these insurers asserting actuarial tables can't go that high?

If insurers find there's a ten fold increase in their own operating costs, then the cost to their policy holders should increase proportionally. Right? Is there regulatory problem here? Statutory restrictions on insurers applying that formula?

If so, seems to me a case that demands emergency legislation that enables insurers to operate legitimate business.

So, not clear to me what's going on here.

Worth noting:
Banks holding mortgages may require insurance on real estate used as collateral. No insurance, no mortgage?
Looks like the first of many economic dominoes to me.
 
Simple - they're not allowed to charge premiums that are adequate to pay claims. That simple.

BTW, no idea what will happen if a homeowner can't find insurance but his mortgage provider requires it.
 
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Shiftless2 said:
Simple - they're not allowed to charge premiums that are adequate to pay claims. That simple.
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That's what I meant by "Statutory restrictions on insurers applying that formula?" s #3
Shiftless2 said:
BTW, no idea what will happen if a homeowner can't find insurance but his mortgage provider requires it.
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I'd be astounded if that's the only example, even if it's a major one.
Fewer real estate transactions, the less stimulated the local economy.
Reduced commerce may mean not enough to support all the local brick-&-mortars. That may mean closing some Mom-&-Pops, and ending the midnight shift at the local supermarket.

All that seems obvious.
What puzzles me, that government hasn't on emergency basis responded, finger in the dike to prevent a flood. How much of a catastrophe do they need?
And ripple effect. It may be easier for insurers to desert a market than to (re)penetrate one. More delay, more strangulation of the prosperity duck.
 
Shiftless2 said:
"If you don't find this terrifying you haven't been paying attention ..." #7
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BUT !!

While the global average temperature stats are alarming, they're not the whole story. Because the entire planet is not warming uniformly. Reportedly Earth's poles are warming about four times faster than the rest of the globe.
Problem is, that's where much of the ice is. Ice at the North pole not as much an issue, as it's already in the ocean. BUT:
Much of the ice at the South pole is on land, and won't affect sea level unless it floats or melts. It has already begun to do both.
 
Still think ACS is merely something that happens to the other guy ?

Why Your Android Phone Is Overheating (And How to Fix It)​

By Christian Cawley / Updated Jul 23, 2023

Is your Android phone overheating? Here's why your phone gets hot, how to cool it down, and keep it from heating up again.
Don't want to miss an important call? Let's look at how to fix an overheating Android phone and the best ways to avoid the problem in the first place.

Why Is Your Phone Overheating?​

Before continuing, it's worth taking the time to examine what is hot, and what is not when it comes to mobile heating problems and their solutions.
Your phone under normal use should not be hot. If it is, you have a problem. However, don't interpret warm as hot. A slightly warmer feel after playing a game for 15 minutes is normal.
But if your phone has an overheating protection app like CPU Monitor and it displays an alert or if you find the device is surprisingly hot to the touch, then you should investigate.
You've probably already closed a few apps or restarted your device to troubleshoot. Maybe you've even Googled a few error messages. Almost every time, you'll come across a collection of the same old reasons for your phone overheating:
  • Your display brightness is too high.
  • Your Wi-Fi has been connected for too long.
  • You've been playing too many games (often with the additional "it's not a game console" advice).
But these reasons are limited to older phones. No smartphone on the market today should overheat for any of these reasons. So, if your brand-new Samsung phone is overheating, it's probably due to other causes.
Of course, the brand of phone you use doesn't matter—if you want to know what causes your phone to get hot and how to stop it, keep reading.

Buggy Apps Can Cause Phone Overheating Issues​

Scratching your head and wondering, "Why is my phone overheating?" Well, it might be due to one or more buggy apps.

Perhaps you've installed a new app that doesn't run well on your phone. Maybe an app you use regularly has been updated and the new version is causing Android to overheat.
Automatic app updates are useful, but sometimes they cause problems like this. You have two solutions:
  • Uninstall the app in question.
  • Check for an update.
As soon as the app is uninstalled, restart your phone, and wait a few minutes before checking its temperature again. If the phone is still hot, try a different solution below.

Intensive Camera Use Can Overheat Phones​

Using your phone's video camera for prolonged periods can result in the device overheating. This doesn't happen in all cases and typically depends on some other factors:
  • Resolution and frame rate.
  • Screen brightness.
  • Prolonged camera use.
  • Forgetting your camera is on.
Just record a video for a few minutes using the front-facing camera, and you might find your phone soon overheating.

https://www.makeuseof.com/tag/prevent-android-phone-overheating/
 
Point:

The Telegraph
Opinion

There is no green ‘transition’ to renewable energy. China and India are playing us for fools​

David Blackmon / Wed, August 16, 2023 at 8:58 AM EDT

We’re constantly told nowadays that an “energy transition” is underway, from the fossil-fuel powered world of yesterday to the renewables-powered one of tomorrow. But is this actually happening? It’s a question on many minds these days, and one that comes with varying answers depending on who’s answering.
For Daniel Yergin, Vice Chairman of S&P Global and author of best-selling books like The Prize and The New Map, the answer is complex and fraught with uncertainty, far more than policymakers in the western developed world would like. I was able to interview Yergin recently in the wake of the publication of a new study that is a joint project between S&P Global and the International Energy Forum (IEF). The study, titled “Shaping a Living Roadmap for Energy Transition,” assesses the status of what is referred to as the energy transition, and finds it has in fact evolved into a set of widely disparate transitions among nations in differing geographies and with differing states of economic and societal development.
“I think that what drove this study on energy transition is the sense that the last two years have demonstrated that it is more complicated and indeed more challenging than just drawing a scenario and putting numbers on it and saying this is how it would happen,” Yergin says, adding that priorities of national energy security have risen to increased prominence in the wake of Russia’s ongoing war on Ukraine.
He points to Germany, long a leading proponent of renewable energy, as a prime example of this reality.

“Germany would not have given a minute’s thought to importing liquefied natural gas from the United States two years ago, but is now importing US LNG and building import terminals, which just wouldn’t have happened before,” he points out. “So, when governments, even Western governments, are faced with energy security issues, price issues, they kind of have to rethink their policies.” He is quick to add, though, that Germany’s new-found appetite for US LNG does not mean Germany has abandoned its climate commitments, just that the shifting geopolitical situation forced officials to re-think and adjust the direction of its transition to bolster energy security.

Counterpoint:
“Germany would not have given a minute’s thought to importing liquefied natural gas from the United States two years ago, but is now importing US LNG and building import terminals ..." The Telegraph
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No Western nation would simply suspend civilized operation for a few years due to a severe impact like the loss of Germany's Gazprom energy imports from Russia.
The US LNG imports mentioned above don't signal Germany has abandoned all concern about anthropogenic global warming. Instead Germany has improvised for the energy shortfall, while it continues its transition to Carbon energy phase-out.

Private industry seems to be out ahead of governments in some cases.
Electric automobiles are proliferating, but not in all cases due to government mandate. The planet is warming up. Residents of Phoenix, Arizona know about it.
 
Insurance premiums have tripled for Florida homeowners in the past five years, from an average of $1,988 in 2019 to $6,000, according to the Insurance Information Institute. A combination of extreme weather events and excessive litigation has led the insurance industry into a crisis, with multiple insurers pulling out of the state.

Florida’s Insurance Market Is a Hot Mess. Homeowners Are Paying the Price.​


When it was time for Florida retiree Sue Maher to renew her homeowners insurance this year, she experienced sticker shock. Her insurance carrier informed her in March that it was increasing her annual premium, already at $3,800, by $2,000. “I kind of freaked out when I got the letter,” says Maher, 69, who lives in Winter Garden, near Orlando.

Maher isn’t the only Floridian reeling from costly insurance. Homeowners from Miami to Tallahassee have seen annual premiums skyrocket. Climate change and a uniquely litigious environment have made Florida a costly state for insurance companies to do business in. So costly, in fact, that this summer, Farmers Insurance, one of the nation’s biggest property and casualty insurers, said it was pulling back from the state. Another bad storm year could send rates higher, prompt more carriers to exit the state, and even push small carriers into insolvency.

Put simply, Florida’s insurance market is a hot mess.

Homeowners may be bearing the brunt of the impact, but the situation also has implications for Florida’s real estate market and economy. And, although Florida has some characteristics that make its market unique, the crisis illustrates how insurance companies are at the front lines of climate change and extreme weather.

“The overall perception in the industry is it’s a huge problem,” says Meyer Shields, an analyst at Keefe, Bruyette & Woods. “It’s getting worse every year.”

Prices soar. The average homeowners insurance premium in Florida has increased 100% over the past three years, and the average cost is approximately $6,000—more than triple the national average, according to the Insurance Information Institute. “We’re hearing homeowners getting bills two to three times higher than what they were previously paying,” says Mark Friedlander, director of corporate communications.

Florida homeowners may see average premiums reach $9,000 next year. Some Floridians already are paying much more than that. Insurance for properties near the coast can easily top $100,000, according to experts.

The state’s insurance crisis is worsening a ....

uphelp.org

Florida’s Insurance Market Is a Hot Mess. Homeowners Are Paying the Price. - United Policyholders

When it was time for Florida retiree Sue Maher to renew her homeowners insurance this year, she experienced sticker shock. Her insurance carrier informed her in March that it was increasing her annual premium, already at $3,800, by $2,000. “I kind of freaked out when…
uphelp.org uphelp.org
 
S2 #16
I don't know enough about it.
Might Florida's uninsureds band together and form a co-op?
- or -

Modify the policy so extraneous coverage is minimized?
Shiftless2 said:
"Florida will go blue eventually" #17
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Ha !

And quicker still under President DeSantis?

Life will be so much more blissful when Miami Beach is a stone's throw from Bayonne, New Jersey.
 

Louisiana, 9 other states ask federal judge to block changes in National Flood Insurance Program​

Increases in federal flood insurance premiums that are projected to surpass 700% over the coming years are already leading people to back out of home purchases and will likely lead to an exodus of residents and businesses from southern Louisiana, officials told a federal judge Thursday in New Orleans.

The testimony came in a hearing in a lawsuit Louisiana and nine other states filed against the federal government to block sharp increases in national flood insurance rates. A phase-in of the new rates began in 2021. Annual increases are limited to 18%. The Federal Emergency Management Agency said the new method of computing rates has resulted in reductions or little or no increase for most policy holders.

But FEMA figures also show huge impending increases in some Louisiana ZIP codes. State and local officials who testified Thursday said the increases are expected to result in some people in working-class southern Louisiana to abandon their mortgages, try to sell homes that have been in families for generations, or drop their insurance.

“We’ve already seen a slowdown in new building,” said Matt Jewell, president of St. Charles Parish, west of New Orleans.

The implications go beyond blows to ...

Louisiana, 9 other states ask federal judge to block changes in National Flood Insurance Program

NEW ORLEANS (AP) — Increases in federal flood insurance premiums that are projected to surpass 700% over the coming years are already leading people to back…
nationalpost.com nationalpost.com
 
S2 #19
I defer to your expertise in such matters.
But as a general rule I'm not quick to support -punish the victim- approaches to problems.

What the $#@! ever happened to simple conservatism ?!

If a U.S. citizen wants to not only act the fool, but to be a dam fool, or even a damned fool, that's up to them, as long as those jeopardized are fully informed consenting adults.
Building on a flood-plane is foolish. It's not like we can't imagine the risks involved. There are millennia of precedent. If a citizen wishes to accept those risks, splendid. BUT !!

Please don't expect the rest of us, those that forfeit the glory of life with the background sound of surf washing the shore, to pay exorbitantly for fools to do so.

I'm not advocating bilking these fools for revenue positive $return. But they should pay their own way.

And if lowland property is damaged by flood, forcing upland residents to share the cost of rebuilding is insanity. Even without anthropogenic sea level rise it's insanity.
But with sea level rise continuing, and once in a century floods occurring several times per decade, it's preposterous to ignore reality.

Build above high water.

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