ADVERTISEMENT

Los Angeles On Fire

Now, of those various bonds, which one delivers the "prolapse in judgment" line the best? I'm thinking Connery.
Id go Connery against the field in anything bond with the rare exception of a fist fight scene.



Brosnan( sp) could probably pull off a cheeky/grin way of doing it that would make the cuts.
 
She increased the city's police budget by 126 million. Is that a ****ed up priority? Wouldn't you have to take a look at her actual budget adjustments to get a clearer picture of what her priorities actually were?


 
We should just call these the liberal fires….one more thing Trump has to fix.

Don’t worry California, in 11 days Donald Trump is on the way to fix all of this!
 
  • Like
Reactions: libbity bibbity
I'd rather not share. It was similar to a personal email and a poster gave me reason to believe he would dox me.
Sure Jan GIF
 


“People are angry at State Farm for non-renewing policies in the Palisades, but that anger is misplaced.
California policies/regulators are standing in the way of a functioning market and costing homeowners dearly. The problem is in large part due to California's unique(ly bad) form of direct democracy.,

California passed Proposition 103 in 1988, which requires insurers to get approval from the California Department of Insurance (CDI) before changing rates, limits how much insurers can increase rates, and requires insurers to charge rates that are "reasonable for their profits and investment income."

It also allows for public participation in rate hearings, slowing things down further and making rate filings very expensive. The commissioner can reject rates deemed excessive or unfair. Insurers have decided the juice isn't worth the squeeze and have been leaving the state in droves. It's not greed - it's simple economics... it's simply not profitable to operate in many regions of the state, and the insurers can't increase their rates to make it profitable, so they leave, and homeowners are left without insurance.

We also elect our insurance commissioner... and unfortunately, we elected unqualified @ICRicardoLara (previously a state senator, no background in insurance). In his tenure, insurers haven't been able to get rate filings done in a timely fashion and haven't gotten approvals for rate increases that make sense to cover the cost of doing business.

California requires insurers to underwrite using historical data from the past 20 years (which doesn’t include housing growth in high-risk regions or increased fuel load following years of drought and poor fire suppression strategies) to determine catastrophe losses vs predictively modeled data incorporating climate change.

The 2017 and 2018 wildfire seasons were bad in California, and wiped out nearly two times the combined underwriting profits for California homeowners’ insurers for the prior 26 years… It’s acceptable to have large losses in this business but you need years of gains to offset them. California is the only state that doesn’t allow for consideration of reinsurance costs in ratemaking, and disallows forward-looking models when pricing wildfire risk.

Insurers are in the business of insuring homes and they definitely would love to serve the largest state in the country with a bunch of expensive homes. If the state let there be a functioning insurance market, people would be able to get homeowners insurance, but the state has let us down. Don't blame the insurers here, blame poor governance in California!
 
  • Haha
Reactions: BelemNole


“People are angry at State Farm for non-renewing policies in the Palisades, but that anger is misplaced.
California policies/regulators are standing in the way of a functioning market and costing homeowners dearly. The problem is in large part due to California's unique(ly bad) form of direct democracy.,

California passed Proposition 103 in 1988, which requires insurers to get approval from the California Department of Insurance (CDI) before changing rates, limits how much insurers can increase rates, and requires insurers to charge rates that are "reasonable for their profits and investment income."

It also allows for public participation in rate hearings, slowing things down further and making rate filings very expensive. The commissioner can reject rates deemed excessive or unfair. Insurers have decided the juice isn't worth the squeeze and have been leaving the state in droves. It's not greed - it's simple economics... it's simply not profitable to operate in many regions of the state, and the insurers can't increase their rates to make it profitable, so they leave, and homeowners are left without insurance.

We also elect our insurance commissioner... and unfortunately, we elected unqualified @ICRicardoLara (previously a state senator, no background in insurance). In his tenure, insurers haven't been able to get rate filings done in a timely fashion and haven't gotten approvals for rate increases that make sense to cover the cost of doing business.

California requires insurers to underwrite using historical data from the past 20 years (which doesn’t include housing growth in high-risk regions or increased fuel load following years of drought and poor fire suppression strategies) to determine catastrophe losses vs predictively modeled data incorporating climate change.

The 2017 and 2018 wildfire seasons were bad in California, and wiped out nearly two times the combined underwriting profits for California homeowners’ insurers for the prior 26 years… It’s acceptable to have large losses in this business but you need years of gains to offset them. California is the only state that doesn’t allow for consideration of reinsurance costs in ratemaking, and disallows forward-looking models when pricing wildfire risk.

Insurers are in the business of insuring homes and they definitely would love to serve the largest state in the country with a bunch of expensive homes. If the state let there be a functioning insurance market, people would be able to get homeowners insurance, but the state has let us down. Don't blame the insurers here, blame poor governance in California!

State regulators have nothing to do with it.

Re-insurance is the issue, and re-insurers will not cover losses in those areas.

Lloyds, Munich RE, etc have all warned you about climate-related disasters getting worse for decades now. Folks like you (and Elno's new site) have ignored them. Gotten you to focus on gays and trannies, instead of fossil fuels amplifying the risks here.
 
Brilliant. I guess we'll have Conservative hurricanes and Liberal fires. Smart stuff.
Well, if hurricanes actually occur during Trump’s presidency I’m sure they will be better managed.

As you may recall in the first one, there was Hurricane Dorian which the liberal NWS wanted to hide from cities to not allow them time to prepare. President Trump (and thank god he did) had to modify the warning maps himself!!! Name one other president who has looked out for the average citizen like that against the deep state!
 
Well, if hurricanes actually occur during Trump’s presidency I’m sure they will be better managed.

As you may recall in the first one, there was Hurricane Dorian which the liberal NWS wanted to hide from cities to not allow them time to prepare. President Trump (and thank god he did) had to modify the warning maps himself!!! Name one other president who has looked out for the average citizen like that against the deep state!
There is no way you're actually serious.

This might be the dumbest post I've come across on HORT if serious.
 
Last edited:
Pic of fire personnel sitting around blabbing about white privilege?
JFC....isn't this what I just said? >

The LAFD evidently did not have adequate personnel on hand to mount an immediate and sufficient response to the devastating fires, indicated by the rare Tuesday night call to off-duty firefighters to report their availability. Some forecasts, including those issued by the National Interagency Fire Center and the California Office for Emergency Services, warned that Southern California was at high risk for serious fires before Tuesday’s events.
 
  • Haha
Reactions: TarponSpringsNole
JFC....isn't this what I just said? >

The LAFD evidently did not have adequate personnel on hand to mount an immediate and sufficient response to the devastating fires

Again: Nothing is going to stop 100 mph winds and wildfires.

I was in San Diego during those fires in the early 2000s
I now live in Colorado, near where the Marshall fire wiped out an entire neighborhood in Louisville.

Same winds. Same results. Only things are getting drier and warmer, and wind events are getting worse. Multiply all those factors together and you get the result you're seeing in LA now.
 
Well, if hurricanes actually occur during Trump’s presidency I’m sure they will be better managed.

As you may recall in the first one, there was Hurricane Dorian which the liberal NWS wanted to hide from cities to not allow them time to prepare. President Trump (and thank god he did) had to modify the warning maps himself!!! Name one other president who has looked out for the average citizen like that against the deep state!

Omfg!! Is this for real?
 
I feel like I've tried telling you guys how ****ed up the insurance market is in California MANY times.

The insurance commissioner flat out said " if we charged people what it would actually cost to insure them in California nobody could afford to live here" and "we" have subsidized the shit out of that market.



Guess what, it's going to get worse. Also, we are about to learn who the rich cheapasses are. It's one thing to rebuild a home it's another to rebuild exactly what got destroyed and mansions tend to have shit you "cant find anymore".
 
Pic of fire personnel sitting around blabbing about white privilege?
Absolutely incompetent and totally unprepared to fulfill its mission:

The Los Angeles Fire Department (LAFD) committed significant resources to diversity, equity and inclusion (DEI) initiatives before the outbreak of massive fires that devastated the Los Angeles area overnight.

The LAFD has implemented an internal “racial equity plan,” subjected employees to diversity training and is currently led by Chief Kristin Crowley, “the first female and LGBTQ Fire Chief in the LAFD” and a staunch supporter of the initiatives. As strong winds fed the wildfires on Tuesday evening, former Republican Los Angeles mayoral candidate Rick Caruso reported that some fire hydrants were running low on water as the department scrambled to mobilize firefighters.


The department’s racial equity plan, adopted in 2021, asserts that the LAFD is a better firefighting organization for focusing on the demographic characteristics of its personnel.


“The strength of any organization rests in its greatest resource—its people; and LAFD leadership cannot accomplish any of the racial equity and inclusion goals without the employees to accomplish the work and embrace the vision while being guided by competent leadership,” the LAFD racial equity plan states. “It has been concluded and realized that the more talent, skills, perspectives, insight, knowledge, and abilities acquired through racial equity and inclusion, the stronger and more effective and competitive the organization has become.”

The LAFD evidently did not have adequate personnel on hand to mount an immediate and sufficient response to the devastating fires, indicated by the rare Tuesday night call to off-duty firefighters to report their availability. Some forecasts, including those issued by the National Interagency Fire Center and the California Office for Emergency Services, warned that Southern California was at high risk for serious fires before Tuesday’s events.

 
  • Haha
Reactions: TarponSpringsNole
Again: Nothing is going to stop 100 mph winds and wildfires.

I was in San Diego during those fires in the early 2000s
I now live in Colorado, near where the Marshall fire wiped out an entire neighborhood in Louisville.

Same winds. Same results. Only things are getting drier and warmer, and wind events are getting worse. Multiply all those factors together and you get the result you're seeing in LA now.
How about the fire? What if its stopped in its infancy?
 
ADVERTISEMENT
ADVERTISEMENT