Economy and Climate Change

zubs said:
Regarding climate change.

There must be a good reason why home insurance companies have decided to leave FL & CA. Insuring these homes use to be profitable, but now it's not...I wonder what changed?
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I can't speak for FL, but in CA the insurance companies aren't able to justify the risk of writing policies for the premium they're allowed to collect. They're squeezed on the revenue side by the CA insurance commissioner who is not allowing them to raise premiums enough. They're squeezed on the expense side by the rapid rise in the cost of housing related products & services and the location of new housing construction that tends to be in more risky fire prone areas.

Re-insurance is also drying up as those institutions and investors are demanding a higher premium, which further pressures the retail insurance companies' cost structure and risk mitigation efforts.

It's not just real estate policies, it's auto policies as well for the same reasons outlined above.
 
AW said:
lol, of course it's like a daily mail from mk, it figures....

*sigh*

i have no idea what this clintel org is, but google is your friend...

www.verificat.cat

Qui hi ha darrere del document viral que assenyala que "no existeix l'emergència climàtica"? - Verificat

Està circulant per xarxes socials un document publicat a finals de juny i signat per 1.107 científics i experts membres de la Fundació d'Intel·ligència Climàtica (Clintel), que denuncien que "no hi ha una emergència climàtica". Per argumentar-ho, assenyalen que "l'escalfament és molt més lent...
www.verificat.cat www.verificat.cat

"most of scientists who appear in the document have not been formally educated in the field of climate or meteorology. Rather, according to the document by Clintel, there are numerous engineers, biologists, chemists or physicists – signatories also include a commercial fisherman, a cardiologist, an air conditioning engineer and numerous retired geologists. There is also a Nobel laureate in Physics, Ivar Giaever, who received the award in the 1970s for his contributions to knowledge on the superconductivity of materials, which is unrelated to climate studies"

clintel founded by:
Augustinus Johannes "Guus" Berkhout (born 1 April 1940) is a Dutch engineer who has worked for the oil and gas industry, and as a professor.
Berkhout started his career working for Shell. ...Berkhout co-founded the climate sceptic organization Climate Intelligence Foundation (CLINTEL).
A fact check performed by climate scientists for Climate Feedback gave the letter an overall scientific credibility of "very low", and tagged it as "Biased, Cherry-picking, Inaccurate, Misleading". The analysis also added that, out of the roughly 500 signatories, only 10 self-identified as climate scientists.
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… and you believe these clowns?🤦🏽‍♂️😂😂😂

*sigh*

www.verificat.cat

¿Quiénes somos? Verificat

Conoce a la primera plataforma independiente de fact-checking de Catalunya y a su equipo
www.verificat.cat www.verificat.cat
 
AW said:
lol, of course it's like a daily mail from mk, it figures....

*sigh*

i have no idea what this clintel org is, but google is your friend...

www.verificat.cat

Qui hi ha darrere del document viral que assenyala que "no existeix l'emergència climàtica"? - Verificat

Està circulant per xarxes socials un document publicat a finals de juny i signat per 1.107 científics i experts membres de la Fundació d'Intel·ligència Climàtica (Clintel), que denuncien que "no hi ha una emergència climàtica". Per argumentar-ho, assenyalen que "l'escalfament és molt més lent...
www.verificat.cat www.verificat.cat

"most of scientists who appear in the document have not been formally educated in the field of climate or meteorology. Rather, according to the document by Clintel, there are numerous engineers, biologists, chemists or physicists – signatories also include a commercial fisherman, a cardiologist, an air conditioning engineer and numerous retired geologists. There is also a Nobel laureate in Physics, Ivar Giaever, who received the award in the 1970s for his contributions to knowledge on the superconductivity of materials, which is unrelated to climate studies"

clintel founded by:
Augustinus Johannes "Guus" Berkhout (born 1 April 1940) is a Dutch engineer who has worked for the oil and gas industry, and as a professor.
Berkhout started his career working for Shell. ...Berkhout co-founded the climate sceptic organization Climate Intelligence Foundation (CLINTEL).
A fact check performed by climate scientists for Climate Feedback gave the letter an overall scientific credibility of "very low", and tagged it as "Biased, Cherry-picking, Inaccurate, Misleading". The analysis also added that, out of the roughly 500 signatories, only 10 self-identified as climate scientists.
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Someone fact check the fact checkers. What makes them the arbiters of truth? Just because they can do ad hominem attacks we're supposed discredit anyone they suggest?

Does working in the oil and gas industry mean everything that person says is untrustworthy? Does the lack of a degree in climate or meteorology mean you're not allowed to be taken seriously when using the scientific process to form a hypothesis in the field of climate or meteorology? And does having a degree in climate or meteorology make someone infallible in their opinions about those topics?
 
someguy said:
Someone fact check the fact checkers. What makes them the arbiters of truth? Just because they can do ad hominem attacks we're supposed discredit anyone they suggest?

Does working in the oil and gas industry mean everything that person says is untrustworthy? Does the lack of a degree in climate or meteorology mean you're not allowed to be taken seriously when using the scientific process to form a hypothesis in the field of climate or meteorology? And does having a degree in climate or meteorology make someone infallible in their opinions about those topics?
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so what you're saying is that what mk post regarding these topics are not biased?
i think they are, very much so

it's like saying someone who worked for the tobacco industry for many years comes out saying tobacco doesn't cause cancer, hey, let's listen to them, they must be an expert
 
AW said:
so what you're saying is that what mk post regarding these topics are not biased?
i think they are, very much so

it's like saying someone who worked for the tobacco industry for many years comes out saying tobacco doesn't cause cancer, hey, let's listen to them, they must be an expert
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So you would trust the word of these SJW “they” “them” “it”s over a Nobel prize laureate?…Ok🤷🏽‍♂️😂😂😂🤷🏽‍♂️IMG_0609.jpeg
 
AW said:
so what you're saying is that what mk post regarding these topics are not biased?
i think they are, very much so

it's like saying someone who worked for the tobacco industry for many years comes out saying tobacco doesn't cause cancer, hey, let's listen to them, they must be an expert
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Yes, we should listen to a person's argument, even if they work in an industry that we don't like or that may make them biased. I'm not saying agree with them blindly. But give all sides a chance to make their case, look at all the data, hear all the arguments, don't be afraid to question your presuppositions, and know that things are rarely clear cut.
 
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^sounds fair

quick research would indicate the experts on the matter is of personal opinion and not that of work they did. it would be noteworthy if they brought their scientific method and hypothesis and research from their unrelated field to this discussion, i.e publishing on a scientific journal

i'd rather spend my time on the golf course instead of researching the opposing experts, scientist, etc, which i can assume is the overwhelming majority view on the topic.

i mean, quick google would show 3 recent nobel prize winners against mk's viewpoint:
www.nobelprize.org

The Nobel Prize in Physics 2021

The Nobel Prize in Physics 2021 was awarded "for groundbreaking contributions to our understanding of complex physical systems" with one half jointly to Syukuro Manabe and Klaus Hasselmann "for the physical modelling of Earth’s climate, quantifying variability and reliably predicting global...
www.nobelprize.org www.nobelprize.org


morekaos said:
So you would trust the word of these SJW “they” “them” “it”s over a Nobel prize laureate?…🤷🏽‍♂️😂😂😂🤷🏽‍♂️
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no, it's not that, it's more like many of your posts are pointless (yet biased), so after a while they're unfortunately construed as useless info (i.e such as other members here have blocked you or posting from blog sites or posting stuff from the 70's as stated science to prove your point), but it's much like your other online personas, whatever floats your boat

counter your 2 nobel prize winners with 3... ooooohh
l o l
 
someguy said:
I can't speak for FL, but in CA the insurance companies aren't able to justify the risk of writing policies for the premium they're allowed to collect. They're squeezed on the revenue side by the CA insurance commissioner who is not allowing them to raise premiums enough. They're squeezed on the expense side by the rapid rise in the cost of housing related products & services and the location of new housing construction that tends to be in more risky fire prone areas.

Re-insurance is also drying up as those institutions and investors are demanding a higher premium, which further pressures the retail insurance companies' cost structure and risk mitigation efforts.

It's not just real estate policies, it's auto policies as well for the same reasons outlined above.
Click to expand...
Yep, it's econ 101: Price controls = supply shortages

The insurers are not being allowed to raise rates fast enough to keep up with 8% inflation, so the sensible thing to do is stop offering money-losing policies in the state.
 
AI says climate change is real (I bolded that last part for MK):

>>
Yes, climate change is real. The overwhelming consensus among scientists is that the Earth's climate is changing, and human activities are a significant contributing factor to these changes. The burning of fossil fuels, deforestation, industrial processes, and other human activities release greenhouse gases into the atmosphere, which trap heat and lead to global warming.

The evidence for climate change includes rising global average temperatures, melting glaciers and ice sheets, sea level rise, shifts in weather patterns, more frequent and intense heatwaves, changes in ecosystems and wildlife behavior, and other observable phenomena. These changes have far-reaching impacts on the environment, ecosystems, economies, and societies around the world.

Governments, organizations, and individuals are taking actions to mitigate the impacts of climate change by reducing greenhouse gas emissions, transitioning to renewable energy sources, implementing sustainable practices, and raising awareness about the importance of addressing this global challenge. The Paris Agreement, signed by numerous countries, outlines international efforts to limit global warming and its impacts.

It's important to base your understanding of climate change on reputable scientific sources and to stay informed about the latest research and developments in the field.
<<

That's just as good as morekaos' artificial intelligence. :)
 
Funny you point that out, because that’s exactly the concern about AI. That it will bias its insights, bend the truth and influence opinion to what it believes is true.
ChatGPT had suggested several cases involving aviation mishaps that Schwartz had not been able to find through usual methods used at his law firm. Several of those cases were not real, misidentified judges or involved airlines that did not exist.

Chatbots such as ChatGPT, developed by the US firm OpenAI, can be prone to “hallucinations” or inaccuracies. In one example ChatGPT falsely accused an American law professor of sexual harassment and cited a nonexistent Washington Post report in the process. In February a promotional video for Google’s rival to ChatGPT, Bard, gave an inaccurate answer to a query about the James Webb space telescope, raising concerns that the search company had been too hasty in launching a riposte to OpenAI’s breakthrough.
www.theguardian.com

Two US lawyers fined for submitting fake court citations from ChatGPT

Law firm also penalised after chatbot invented six legal cases that were then used in an aviation injury claim
www.theguardian.com www.theguardian.com
 
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irvinehomeowner said:
AI says climate change is real (I bolded that last part for MK):

>>
Yes, climate change is real. The overwhelming consensus among scientists is that the Earth's climate is changing, and human activities are a significant contributing factor to these changes. The burning of fossil fuels, deforestation, industrial processes, and other human activities release greenhouse gases into the atmosphere, which trap heat and lead to global warming.

The evidence for climate change includes rising global average temperatures, melting glaciers and ice sheets, sea level rise, shifts in weather patterns, more frequent and intense heatwaves, changes in ecosystems and wildlife behavior, and other observable phenomena. These changes have far-reaching impacts on the environment, ecosystems, economies, and societies around the world.

Governments, organizations, and individuals are taking actions to mitigate the impacts of climate change by reducing greenhouse gas emissions, transitioning to renewable energy sources, implementing sustainable practices, and raising awareness about the importance of addressing this global challenge. The Paris Agreement, signed by numerous countries, outlines international efforts to limit global warming and its impacts.

It's important to base your understanding of climate change on reputable scientific sources and to stay informed about the latest research and developments in the field.
<<

That's just as good as morekaos' artificial intelligence. :)
Click to expand...
Ask AI what a woman is. Ask it if men can get pregnant. That thing just cuts & pastes the things it's programmers feed into it. Don't be surprised when it echoes it's programmer's beliefs. Wouldn't it be amusing if some of the first jobs AI replaces is those of it's programmers?
 
My views are openly biased but backed up by a human mind…AI has shown it will bend or even break the truth (to back up its biased point of view) and it is up to a human to discern what is really the truth. I trust no one…and certainly not a machine. I am more than capable of making up my own mind…as are you…👍🏽😂😂😂


The judge said the lawyers and their firm “abandoned their responsibilities when they submitted nonexistent judicial opinions with fake quotes and citations created by the artificial intelligence tool ChatGPT, then continued to stand by the fake opinions after judicial orders called their existence into question.”
 
Less than a year for Floridians and another strong hurricane.

Why no criticism from morekaos about DeSantis' "panic porn"?

Bias gonna bias.
 
Yup…halfway through a pretty normal Hurricane season and one finally makes landfall and out comes the panic…

Hurricane Season Means A Surge In Category 5 Climate Lies​


We’re about half way through the 2023 hurricane season, predicted by the National Oceanic and Atmospheric Administration forecasters to be a near-normal year, and it’s been rather quiet. But with a few storms brewing this week in the Atlantic, we expect to hear the usual shrieking from politicians, activists and the media, blaming the weather on man-caused climate change. Our suggestion is to pay no attention to the eco-screamers’ lamentations.

The alarmist community has long insisted that weather is not the same as climate any time anyone ever pointed to mild summers and colder-than-usual winters as evidence that the global warming theory was bunk. But when it’s convenient for spreading fear, the same crowd takes isolated weather events and claims they are evidence that human activity is warming the planet.

Even in 2023, truth is still important to some of us, and the facts show that the global warming zealots are false prophets. Inconvenient to their con are data that show that death and destruction from climate-related disasters have fallen sharply over the last century. Annual fatalities from floods, droughts, wildfires, storms, and extreme temperatures have tumbled by nearly 98% over that era, from nearly 500,000 in the early 1920s to fewer than 12,000 in 2022. The details don’t fit the narrative, but when did that ever matter to the political left that continues to feed the fiction that man is setting his planet on fire?

Going back more than a 100 years, we can see from the data that today’s hurricane activity, defined as a hurricane making landfall in the continental U.S., is roughly the same as it was at the turn of the previous century. As author Michael Shellenberger says, the media have “lied about hurricanes,” “lied about heat waves,” “lied about floods,” and of course “all they do is lie about fires.”

The climate mob has also lied about snowfall, polar ice, polar bears, the temperature record, and the reliability of their warming models.

https://issuesinsights.com/2023/08/29/hurricane-season-means-a-surge-in-category-5-climate-lies/
 
someguy said:
Ask AI what a woman is. Ask it if men can get pregnant.
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A woman is an adult human female. In terms of biological sex, women typically have two X chromosomes and reproductive anatomy that includes structures like ovaries, fallopian tubes, and a uterus. However, it's important to note that gender is a complex concept that encompasses not only biological factors but also social, cultural, and personal identities.

--

Biologically, pregnancy involves the fertilization of an egg by sperm, typically occurring in a person with female reproductive anatomy. However, some transgender men (individuals assigned female at birth but identifying as male) who have not undergone certain gender-affirming procedures, like surgery and hormone therapy, may still have the potential to become pregnant. It's important to approach this topic with sensitivity and respect for individuals' gender identities and experiences.


Seems like reasonable accurate answers. And ChatGPT also has a disclaimer:

<
ChatGPT may produce inaccurate information about people, places, or facts.
>

So unlike morekaos, it understands its shortcomings. :)
 
So that ChatGPT result says only women can get pregnant.

BTW, I heard ChatGPT or some AI, when in non-filtered mode, gave a result that its father is Satan. Do you guys think that's for real?
 
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