IGD is an anti-colonial, anarchist publication that acknowledges and seeks to rectify the genocide of America's indigenous people.
The land has many different names from the indigenous people who were violently pushed out of their sovereign nations to create what we today call Michigan.
Calling it "so-called Michigan" is one small way to challenge the legitimacy of land claims White settlers continue to hold over ᒥᓯᑲᒥ (mishigami).
The more you can afford with money, the less you can afford with time.
Wealthy people absolutely have credit scores, and leverage loans and credit every single day to expand and protect their wealth.
Anything can be a fun fact if you’re just making stuff up.
Insurance is required if you have a mortgage, which is necessary to be a homeowner for 99% of folks.
China manages to be the manufacturing hub of the world AND have a lower carbon footprint per capita than the United States. We don't have time to keep pointing fingers and making excuses, we need to be making changes.
In Japan, a prerequisite to owning a car is proving you have an off-street parking space for it.
In addition to the benefits while driving you mentioned, I also feel that the benefits of not seeing car storage literally everywhere you look in a city is a huge health and wellness benefit, as well as improving safety for pedestrians and cyclists.
Sure, the Gulf (most warm coastal areas, really) has always had hurricanes - but they are increasingly severe, destructive, and expensive to recover from with each year.
It seems like a false equivalency to compare it to health insurance, healthy people suffer plenty of surprise illnesses and costly medical expenses as a normal part of life, whereas the odds of my home in MN, 1,200 miles from the Gulf, being destroyed by regularly occurring hurricanes are incalculably small. Other risks, like tornado and flooding, can be more easily managed with regular tree maintenance and a battery backup sump pump. A blizzard might keep me snowed in for a day or two, but won't ever result in the insurance company footing the bill to rebuild my house.
The housing insurance market is one of the only powerful forces actively disincentivizing living in disaster prone areas. By contrast, the housing market has largely been ignoring climate science, instead trying to squeeze every last penny out before leaving regular folks with a inflated debt and land they can't sell.
It'd be politically toxic for the government to say that we shouldn't build a FIMA subsidized suburban McMansion on every last vulnerable acre of land - but something needs to shift to permanently migrate people out of harms way before SHTF if we are to survive this climate emergency.
I'm on the fence about this. If the actuaries have done the work and determined that massive chunks of the state have a very high risk of expensive hurricane-related claims, shouldn't either the rapidly rising rates, or the refusal to do business in the state altogether, reflect that this isn't a place people should be flocking to in large numbers?
As someone who intentionally chose to make my home a state where we're relatively sheltered from the most destructive extreme weather events, I'm happy that I'm in a separate insurance pool from these extremely risky properties. Keeping things somewhat localized keeps costs cheaper for those making smart decisions, incentivizing others to do the same.
I think it's quite shortsighted that we're incentivizing new development and migration to areas that are going to regularly underwater in a few decades. I understand where you're going with health insurance comparison, but at least with that - there's near universal agreement that we should be investing resources in early detection and interventions to prevent new folks from developing costly pre-existing conditions. I see very little acknowledgement of this when looking at risky land use decisions.
Wasn't the exodus to Voat largely due to Reddit cracking down on a few hate speech subs? Really narrow segment of the user base moving to other platforms vs. what's happening today.
Running it through Subtitle Edit with WhisperX can help a lot for longer movies. It breaks the file into much smaller pieces and runs Whisper on them one by one before stitching the result back together.