2012.08.27 18:37 Kissette Naples, Florida
2013.02.21 18:29 SonicDissonance The Official Sub Reddit for Naples Florida
2011.02.15 16:16 The Official Subreddit of All Things Naples Florida
2023.06.04 23:23 seaburn Silas from Anthony Naples’ new LP gives off major Tomorrow’s Harvest vibes (down to the ambient outro)seaburn to boardsofcanada [link] [comments]
2023.06.04 23:22 ItzEndah I don’t know why I did it but it looks good!
|submitted by ItzEndah to ConflictofNations [link] [comments]|
2023.06.04 22:49 innotech423 PGA Coverage
N1A (Goodyear Blimp) & N51538 filming the PGA Tour in Dublin Ohio.submitted by innotech423 to ADSB [link] [comments]
2023.06.04 22:41 UsedCicada9696 Open Forum talks about best vehicles to use to hitch a horse trailer with
Kevin Bacon is doing Hyundai commercials § < Sad- > 2023-06-02 17:46submitted by UsedCicada9696 to OpenForumPG [link] [comments]
: . . Jeff Bridges used to do them § < sullivan77 > 2023-06-02 17:47
: . . The man's gotta pay the mortgage < Zombie-Fungus > 2023-06-02 17:47-5
on his $15 million house.
: . . I never cared for Kevin Bacon. § < Morgan-LeFay > 2023-06-02 17:47
: . . : . . he's not kosher § < - > 2023-06-02 17:48
: . . : . . : . . LOL § < Morgan-LeFay > 2023-06-02 17:48
: . . joe biden does depends ads § < when-he-aint-falling > 2023-06-02 17:49+1
: . . : . . put a a cork in it, corky § < - > 2023-06-02 17:50+10
: . . There's no shame in commercials < - > 2023-06-02 17:49
Kia Tellurides are super nice too, as long as you get the tow hitch harness fixed
: . . : . . Why would anyone actually tow anything with a < sullivan77 > 2023-06-02 17:51
: . . : . . : . . It's a full size SUV more than capable of towing < - > 2023-06-02 17:52
But yea, get that harness fixed before it burns down your house
: . . : . . : . . : . . I'd still not use it to tow anyhing... NOTHING § < sullivan77 > 2023-06-02 17:53
: . . : . . : . . : . . : . . Why? § < - > 2023-06-02 17:54
: . . : . . : . . : . . : . . : . . It's just not................ a vehicle I'd use < sullivan77 > 2023-06-02 17:55
for that purpose. I like me some good 'ol American muscle for that. (Ford F-350.)
: . . : . . : . . : . . : . . : . . : . . Of course you do, because FORD is the acronym < Morgan-LeFay > 2023-06-02 17:56
for Fucked On Road Daily.
: . . : . . : . . : . . : . . : . . : . . : . . My husband and I both drive new Ford trucks. < ItsmeLD > 2023-06-02 17:57
I’m not sure what you are getting at.
: . . : . . : . . : . . : . . : . . : . . : . . : . . It's a just a joke. lol § < Morgan-LeFay > 2023-06-02 17:58
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . No, it's definitely rooted in reality < - > 2023-06-02 18:00
Fords truck lines may be ok but everything else they produce is shit
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . My first car was a Mercury Sable, basically a < Morgan-LeFay > 2023-06-02 18:03
Ford Taurus, and the transmission went out on it after two years. I had a 1991 Ford Explorer and that thing kept falling apart on me to where I started thinking FORD was actually short for Fix Or Repair Daily.
: . . : . . : . . : . . : . . : . . : . . It can tow up to 5,500lbs with its 300 hp engine < - > 2023-06-02 17:57
There's absolutely nothing wrong with towing with a Kia, as long as you get that original harness replaced
: . . : . . : . . : . . : . . : . . : . . : . . Like I said. It's weird and wrong to use it for < sullivan77 > 2023-06-02 17:58
anything other than cruising. And if I see you out there on the road, driving it and pulling something with it, I'm gonna pull you over and we're gonna have some words.
: . . : . . : . . : . . : . . : . . : . . : . . : . . Seems classist to me § < - > 2023-06-02 17:59
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Nope. I'm just helping a troubled soul see reason < sullivan77 > 2023-06-02 18:01
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . He is right. A Kia is like a college < ItsmeLD > 2023-06-02 18:01+5
kid ride. Something inexpensive daddy buys to get his kid around. If you can afford toys that need to be towed, you should be able to afford a proper vehicle to tow them.
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . He's actually not < - > 2023-06-02 18:06 pic
A Kia Telluride with all the bells and whistles is a 60k vehicle You seem dumb
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Look at how the rear end of the Kia is sagging < sullivan77 > 2023-06-02 18:07
from the load it's attached to, LMAO!
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . You're complaining about an inch of sag? < - > 2023-06-02 18:13
That trailer was towed 1,500 miles with no problems Jesus, you're a terrible classist
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Funny! The Ford doesn't have tow hitch < sullivan77 > 2023-06-02 18:14
problems and doesn't sag with an even heavier load.
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . They just come with their own set of problems < - > 2023-06-02 18:21
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Seems they can still tow a load decently < sullivan77 > 2023-06-02 18:23
without sagging and having hitch problems, which is the focal point of the load being towed. Also, I've NEVER had ANY of those issues with Ford.
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . They do tow wonderfully. My last < ItsmeLD > 2023-06-02 18:25
truck went back and forth to Florida several times pulling a horse trailer with zero issues, even climbing the mountains, it had no problem .
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Correct. I wouldn't use a Kia to pull a horse < sullivan77 > 2023-06-02 18:26
trailer or an RV trailer.
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . All vehicles have issues. That is why you trade < ItsmeLD > 2023-06-02 18:23
it before the warranty runs out. We never have a vehicle not under warranty.
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . At least it's not a Subaru. § < Morgan-LeFay > 2023-06-02 18:07
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . ...And here's what I'm talking about: < sullivan77 > 2023-06-02 18:08 pic
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . You seem poor. § < ItsmeLD > 2023-06-02 18:13+5
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Just when I thought you couldn't get dumber § < - > 2023-06-02 18:15
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Well, arguably you are the dumb one as < ItsmeLD > 2023-06-02 18:19+5
you think a Kia is a good vehicle to tow with. 🙄
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Reading comprehension problems too? Dumb as rock < - > 2023-06-02 18:25
Direct me to the post where I said it's a good vehicle to tow with I merely stated it's capable and that is the truth
: . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . : . . Ok...... 🙄 lol. I’m not going to rub < ItsmeLD > 2023-06-02 18:30
your nose in it. I’ll allow you to bow out with your pride intact.
: . . : . . : . . : . . : . . As somebody who pulls a horse trailer < ItsmeLD > 2023-06-02 17:55
Fairly often, no way I’d use a Kia. Lol
: . . : . . : . . : . . : . . : . . I would use a Dodge Ram. § < Morgan-LeFay > 2023-06-02 17:56
: . . : . . : . . : . . : . . : . . : . . A Dodge Ram is better than a Kia for towing. § < ItsmeLD > 2023-06-02 17:58
: . . : . . : . . : . . : . . : . . : . . : . . 👆 This § < sullivan77 > 2023-06-02 17:58
: . . : . . : . . : . . : . . : . . : . . : . . That's what my grandparents would use for their < Morgan-LeFay > 2023-06-02 18:01
horse trailer. My sister got the truck after my grandmother died though, I wanted that truck, but I had my own Chevrolet Aveo at the time. A Kia and a small Chevy car I think would both not be good for towing.
: . . : . . : . . : . . : . . : . . : . . : . . : . . Yeah, they aren’t. I like something < ItsmeLD > 2023-06-02 18:02
with some power and built to do the job.
: . . : . . at first I thought they looked nice < - > 2023-06-02 17:57
and from certain angles they do, but after the new wears off they look a little ridiculus
: . . Bernie Madoff took his money lol § < - > 2023-06-02 18:14
2023.06.04 22:25 noxidae Possibly homeless soon
2023.06.04 20:45 Joadzilla Climate change is already making parts of America uninsurable
“We’re steadily marching toward an uninsurable future.”
In a report published in April, California Insurance Commissioner Ricardo Lara admonished the industry to better account for far-reaching risks like those wrought by climate change.
“The insurance sector no longer has the luxury of thinking only of the year ahead,” he wrote. “Insurance companies, regulators, and consumers all must learn to consider and prepare for the long-term.”
A week ago, California’s largest insurer did just that — but perhaps not in the way Lara had hoped.
State Farm announced that it will not accept any new applications for business or personal property and casualty insurance in the Golden State. The company, accounting for 20 percent of bundled home insurance policies and 13 percent of commercial policies in California, said it was facing “historic increases in construction costs outpacing inflation, rapidly growing catastrophe exposure, and a challenging reinsurance market.” It will still keep existing policy holders on its books for now, but the announcement signals that risks are growing beyond what State Farm, a company worth $131 billion at the end of 2022, can bear.
Insuring property in California has been a dicey proposition in recent years. Torrential rainfall this past winter caused as much as $1.5 billion in insured losses this year. The state has also suffered the costliest wildfires in US history, including the 2018 Camp Fire, which led to more than $10 billion in losses.
Human action is driving many of these risks. Real estate prices have been rising in California for decades, and populations are growing in the places most vulnerable to burning and flooding. Decades of suppressing natural fires have allowed fuel for wildfires to accumulate to dangerously high levels. Humans are also heating up the planet, lifting sea levels, amplifying downpours, and exacerbating the conditions for massive blazes.
So when disasters do occur, they cause extraordinary damage to lives, livelihoods, and property. These threats have led insurance companies to drop existing policies or stop issuing new coverage. “It’s not just the risk of loss but the magnitude of loss when a California house burns down,” said Dave Jones, who served as California’s insurance commissioner from 2011 until 2018. “That trend has only gotten worse over time.”
State Farm isn’t the first insurance company to cut back in California, and states like Louisiana and Florida have also seen insurers decline coverage due to mounting catastrophic losses. “We’re steadily marching toward an uninsurable future, not just in California but throughout the United States,” said Jones, who now leads the Climate Risk Initiative at the University of California Berkeley School of Law.
That in turn stands to ripple throughout the economy. Insurance is the major financial signal of where risks lie, and changes in coverage availability and cost can spur individuals, businesses, and policymakers to change their behavior. Insurance can alter where people live and whether they can rebuild in the wake of a calamity. But climate change is just one of several issues at play here, and the march toward uninsurability began decades ago. Bringing risks to a more manageable level will require systemic action to reduce the threat, from better building codes to reducing greenhouse gas emissions overall.
State Farm’s shift is a sign that climate change isn’t a far-off threat; it’s having effects today, on people’s lives and now in the financial sector. And more companies will likely follow their lead.
Climate change poses a conundrum for insurers
The reasons State Farm gave for declining new insurance coverage — higher construction costs, more expensive reinsurance, and increasing disaster risk — are all interrelated, though not exclusively due to climate change.
Remember that the goal of insurance is to spread out the risk of catastrophes like fires, floods, earthquakes, and storms. “Ideally, from the insurance company perspective, you have risks that materialize randomly,” said Sean Hecht, managing attorney at the California regional office for Earthjustice who studies insurance and climate change. The problem is that climate change often raises the chances of these events occurring at the same time and in the same place, an effect known as correlated risk.
At the same time, rising interest rates have made it more expensive to borrow money to buy property. Lingering supply chain disruptions for materials like lumber have driven up the costs of building new homes. California is facing a dire housing shortage, driving up the value of existing real estate and making it far more expensive to replace destroyed buildings. And new building codes intended to better withstand disasters and reduce greenhouse gas emissions are making construction more expensive.
That means a lot of money is on the line when it starts to pour or when a wildfire ignites. “There’s a lot of insured value that ends up in claims that have to be paid all at the same time. That creates risks for the solvency of insurers,” Hecht said. “More expensive housing and more expensive construction exacerbates that same problem.”
Insurance companies can cushion these blows with reinsurance. It’s pretty much what it sounds like: insurance for insurance companies. Reinsurance providers act as a backstop and help front-line insurers cover claims when a massive disaster strikes. As a result, international reinsurers like Swiss Re keep a close eye on global systemic risks branching from rising average temperatures. “It’s actually reinsurers that have been sounding the alarm about climate change and disaster risk for decades,” said Hecht.
Reinsurers have also been grappling with massive payouts due to correlated disasters, and some have responded by raising their rates.
One bit of good news is that extreme weather events are killing fewer people. That’s due to a number of factors, including better warning systems, more robust evacuation strategies, and construction codes that can better withstand floods, fires, and winds. But the global population is growing in size, particularly in areas likely to see future disasters, and it’s growing richer, which makes these events more costly when they happen.
NOAA reports that the US has already seen seven disasters this year with a damage tally exceeding $1 billion.
That’s a massive challenge for insurance companies and for policymakers. If insurers priced their policies in line with growing risks, they’ll soon be too expensive for all but the wealthiest people, leaving the most vulnerable with no protection. If rates are capped too low, insurers may not have enough money to cover all their claims or stay in business. In California, some insurance companies ended up leaving the market or dropping their customers altogether.
Policymakers imposed limits on how much insurers could raise rates, whether they could drop existing customers, and how much they could factor climate change into their calculations. Some of these restrictions have since loosened, but not enough for State Farm.
There are other approaches as well. The federal government created the National Flood Insurance Program to cover flood losses since few private insurers would underwrite these policies. The program, however, is more than $20 billion in debt and had to raise rates last year, leading a number of homeowners to drop coverage.
California does have a program called the FAIR Plan, which is intended as an insurer of last resort for wildfires. But it has very expensive policies compared to private insurers. Jones suggested that one approach to expand coverage would be to subsidize these policies for low-income people in high-risk areas. The high price of the insurance plan, however, is an important warning sign. “What we shouldn’t do is artificially suppress insurance prices,” he said. “It’s expensive because it reflects the real risk of wildfire.”
2023.06.04 20:04 239Deal 🚨 JUST LISTED ~ Check out the Videos, Photos, 3D Virtual Tour & other Media 👀
📢 Listing Agents Barry Hoey & Kimberly Zuponcic PA, Hoey Team🍀 239RealEstateDeals.Com LLC ☘ Just Listed this spacious New Construction Southwest Florida Estate Home, with Impact Windows and Many Upgrades, Located Close to everything in Golden Gate Estates, Naples 🌴 Reach us the Listing Agents at: 239-360-5527 for a private viewing, Plus See Open House Schedule 👇 👉 https://239realestatedeals.com/details/?mlsid=223035349&mls=174&ppc=FB&addht=2609-20th-Ave-SE,GoldenGateEstates&view_timing=1 👈submitted by 239Deal to u/239Deal [link] [comments]
New Construction Home For Sale in Southwest Florida
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2023.06.04 18:43 GoatedCoffee This is why I like Ancestry better
|submitted by GoatedCoffee to 23andme [link] [comments]|
2023.06.04 18:06 Texas121183 Is AA focusing less on international?
2023.06.04 17:58 EnglandPJ 2 Weeks in Italy with a budget
Going to Italy in September with my girlfriend. Trying to plan what to see and what not to see is overwhelming. Any feedback on the current rough itinerary? Its our first time visiting so we want to see the bigger things, but also dont want to get sucked into tourist trapped cities. (we are big walkers, we mainly walk everywhere, love cafes vs fancy restaurants and prefer site seeing on our own terms vs tours).submitted by EnglandPJ to ItalyTravel [link] [comments]
We're also contemplating swapping out Milan for another city or area. Any thoughts/feedback would be awesome! :D
2023.06.04 17:53 JThac1001 Uh oh…
Just squawked 7700submitted by JThac1001 to flightradar24 [link] [comments]
2023.06.04 17:50 Southern-Ad-9105_2 Roman, late Augustan-Tiberian. Fragment of a statue of Jupiter (named with epithet "Tonans" – "Thundering"). From the Jupiter Temple in Pompeii. Greek marble. Height 70cm. Some original color still intact in the hair and beard. Naples, National Archaeological Museum. [1170x2532]
|submitted by Southern-Ad-9105_2 to ArtefactPorn [link] [comments]|
2023.06.04 17:33 Southern-Ad-9105_2 Roman Fresco of Zeus crowned by Nike (Victory), from the House of the Dioscuri, Pompeii, Naples Archaeological Museum, Naples, Italy. [1675x2588]
|submitted by Southern-Ad-9105_2 to ArtefactPorn [link] [comments]|
2023.06.04 17:22 Snoo53903 Tech Support in Naples Florida
2023.06.04 17:22 Snoo53903 Tech Support in Naples Florida
|submitted by Snoo53903 to NaplesFlComputers [link] [comments]|
2023.06.04 16:23 SecureDream3425 Searching for 2 tickets in Rome!
2023.06.04 15:39 hariomluhar Pizza Margherita home made recipe
2023.06.04 15:39 hariomluhar Pizza Margherita home made recipe
2023.06.04 15:33 Prostate Vacances à Naples
2023.06.04 14:37 Error355 Is Naples safe for young photographers
2023.06.04 14:31 XazelNightLord Florida's Winter Resorts
|submitted by XazelNightLord to eu4 [link] [comments]|
2023.06.04 13:34 TravelerBuddy97 Planing to travel this summer in italy (Capri, Sorrento, salerno, amalfi coast)