Harry Belafonte, Calypso King Who Worked for African American Rights, Dies at 96

Variety

Harry Belafonte, Calypso King Who Worked for African American Rights, Dies at 96

Chris Morris – April 25, 2023

Singer, actor, producer and activist Harry Belafonte, who spawned a calypso craze in the U.S. with his music and blazed new trails for African American performers, died Tuesday of congestive heart failure at his Manhattan home. He was 96.

An award-winning Broadway performer and a versatile recording and concert star of the ’50s, the lithe, handsome Belafonte became one of the first Black leading men in Hollywood. He later branched into production work on theatrical films and telepics.

More from Variety

As his career stretched into the new millennium, his commitment to social causes never took a back seat to his professional work.

An intimate of Dr. Martin Luther King Jr., Belafonte was an important voice in the ’60s civil rights movement, and he later embarked on charitable activities on behalf of underdeveloped African nations. He was an outspoken opponent of South Africa’s apartheid policies.

Among the most honored performers of his era, Belafonte won two Grammy Awards (and the Recording Academy’s Lifetime Achievement Award in 2000), a Tony and an Emmy. He also received the Motion Picture Academy’s Jean Hersholt Humanitarian Award at the Governors Awards ceremony in 2014.

Harold George Belafonte Jr. was born in New York but was sent to live with his grandmother in Jamaica at age 5, returning to attend high school in New York. But Jamaica’s indigenous calypso and mento would supply crucial material for his early musical repertoire.

After serving in the war, Belafonte gravitated to the New York theatrical scene. An early mentor was the famed Black actor, singer and activist Paul Robeson. He studied acting with Erwin Piscator and attended Broadway shows — on a single ticket he would hand off at intermission — with another struggling young actor, Sidney Poitier. Like Poitier, he performed at Harlem’s American Negro Theater.

Belafonte first made his mark, however, as a nightclub singer. Initially working in a pop and jazz vein, Belafonte began his singing career at New York’s Royal Roost and made his recording debut in 1949 on Roost Records. He soon developed a growing interest in American folk music.

A national tour and dates at New York’s Village Vanguard and Blue Angel followed. A scout for MGM spotted him at the latter venue and, following a screen test, Belafonte secured a role opposite Dorothy Dandridge in “Bright Road” (1953).

The same year, Belafonte made his Rialto debut in the revue “John Murray Anderson’s Almanac,” for which he received the Tony for best performance by a featured actor in a musical.

Ironically, while Belafonte was cast as a lead in Otto Preminger’s 1954 musical “Carmen Jones” — based on Oscar Hammerstein II’s Broadway adaptation of Bizet’s opera “Carmen” — his singing voice was dubbed by opera singer LeVern Hutcherson. Belafonte would soon explode in his own right as a pop singer.

He made his RCA Records debut in 1954 with “Mark Twain and Other Folk Favorites”; he had performed the titular folk song with his guitarist Millard Thomas in his Tony-winning Broadway turn. The 1956 LP “Belafonte,” featuring a similar folk repertoire, spent six weeks at No. 1.

Those collections were a mere warm-up to “Calypso.” The 1956 album sparked a nationwide calypso craze, spent a staggering 31 weeks at No. 1 and remains one of the four longest-running chart-toppers in history. It spawned Belafonte’s signature hit, “Banana Boat Song (Day-O),” which topped the singles chart for five weeks. A parody of that ubiquitous number by Stan Freberg reached No. 25 in 1957. Director Tim Burton employed the tune to bright effect in his 1988 comedy “Beetlejuice.”

Belafonte would cut five more top-five albums — including two live sets recorded at Carnegie Hall — through 1961. His 1960 collection “Swing Dat Hammer” received a Grammy as best ethnic or traditional folk album; he scored the same award for 1965’s “An Evening With Belafonte/Makeba,” a collaboration with South African folk artist Miriam Makeba.

He also supplied early employment for a future folk icon: His 1962 album “Midnight Special” featured harmonica work by Bob Dylan.

A frequent guest on TV variety shows, Belafonte became the first Black performer to garner an Emmy with his 1959 special “Tonight With Belafonte.”

Belafonte made his first steps into film production with two features he toplined: end-of-the-world drama “The World, the Flesh, and the Devil” (1959) and the heist picture “Odds Against Tomorrow” (1960). However, discontent with the roles he was being offered, he would remain absent from the big screen for the remainder of the ’60s and busied himself with recording and international touring as his involvement in the civil rights movement deepened.

Closely associated with clergyman-activist King, Belafonte provided financial support to the civil rights leader and his family. He also funded the Freedom Riders and the Student Non-Violent Coordinating Committee and was a key figure in the organization of the historic March on Washington of August 1963.

The racial tumult of the ’60s hit close to home: In 1968 he became the center of a furor when he appeared as a guest star on an NBC special hosted by British pop singer Petula Clark. During a performance of an anti-war ballad, Clark clutched Belafonte’s arm. Doyle Lott, VP for sponsor Chrysler-Plymouth, was present at the taping and demanded the number be excised, saying the “interracial touching” might offend Southern viewers. But Clark, who owned the show, put her foot down and the show aired as recorded, while exec Lott was fired by the automaker.

Belafonte returned to feature films in 1970 in the whimsical “The Angel Levine” alongside Zero Mostel. He co-starred with old friend Poitier in the comedies “Buck and the Preacher” (1972) and “Uptown Saturday Night” (1974), both directed by Poitier.

His acting appearances would be sporadic for the remainder of his career. Notably, he appeared opposite John Travolta in “White Man’s Burden” (1995), an alternate-universe fantasy-drama about racism; Robert Altman’s ensemble period drama “Kansas City” (1996); and “Bobby” (2006), Emilio Estevez’s account of Sen. Robert Kennedy’s 1968 assassination.

In 1985, Belafonte’s activism and musicianship intertwined when he helped organize the recording session for “We Are the World,” the all-star benefit single devoted to alleviating African famine. His appearance on that huge hit led to “Paradise in Gazankulu” (1988), his first studio recording in more than 10 years.

His latter-day production work included the 1984 hip-hop drama “Beat Street” and the 2000 miniseries “Parting the Waters,” based on historian Taylor Branch’s biography of Martin Luther King Jr.

In 2002, “The Long Road to Freedom: An Anthology of Black Music,” an immense collection of African and African-American music recorded and compiled by Belafonte over the course of a decade and originally set for release by RCA in the ’70s, was finally released as a five-CD set on Universal’s Buddha imprint. It garnered three Grammy nominations.

In later years, Belafonte remained as outspoken as ever, and his views sometimes courted controversy. He was a foe of South African apartheid, opposed the U.S.’s Cuban embargo and denounced George W. Bush’s military incursion into Iraq.

Belafonte was the son of a Jamaican housekeeper and a Martiniquan chef, spending the early and late parts of his childhood in Harlem but the crucial middle period in Jamaica. He enlisted in the Navy in 1944; during his service, he encountered the writing of W.E.B. DuBois, co-founder of the NAACP and a key influence.

He was accorded the Kennedy Center Honor in 1989 and the National Medal of the Arts in 1994.

Belafonte published his memoir “My Song,” written with Michael Shnayerson, in 2011. Susanne Rostock’s biographical documentary “Sing Your Song” was released in early 2012.

He is survived by his third wife Pamela; daughters Shari, Adrienne and Gina; son David; stepchildren Sarah and Lindsey; and eight grandchildren.

Garden planning from the book cellar

Resiliance – Food and Water

Garden planning from the book cellar

By Eliza Daley, orig. pub. by: By my solitary hearth – April 24, 2023

garden
Photo by Annie Spratt on Upsplash

It’s spring, so obviously it’s time to get the garden in production. For those who don’t know where to start or who just want more tips I have some recommendations on books that I use every year in planning and implementing food production. I know I just talked about my book-free kitchen, however, this is one very important caveat — I definitely use books for the intersection of kitchen and garden. These books are less about cooking than growing, processing and storing the harvest, and all three affect food safety. So reference books are necessary.

I am reading a new one — The Backyard Homestead Book of Kitchen Know-How by Andrea Chesman (2015, Storey Publishing). Chesman lives on an acre in Vermont, so this book is highly relevant to me. However, with her decades of practical experience — in addition to her homestead life, she’s written many books and teaches classes on storing the harvest — there are tips for anyone anywhere who grows typical garden produce. I have already found useful suggestions and I have almost as much experience as she does, so I feel like this is a good book to recommend to anyone with a veg plot. One caution: her methods do tend to lean toward agricultural extension agency practices, lots of plastic and electricity. She acknowledges that not everybody is going to have the capacity to run two refrigerators and a chest freezer, but she also doesn’t talk as much about lower-energy preservation methods. However, she includes the most detailed instructions on drying food that I’ve ever encountered. Mostly without electricity. And since she does this in Vermont — in normal, New England summer humidity — I think I may have found my solution to that problem.

She also spends a bit at the beginning of the book talking about what you should grow. For example, if you don’t like stuffing squash in summer heat, don’t plant round varieties. And if your family is less than Victorian in number, then don’t plant more than a few bushes of all the summer squashes put together. But she doesn’t talk as much about gardening as she does about produce, so there isn’t good information on yields and varieties. I have other books for that.

Keeping the Harvest by Nancy Chioffi and Gretchen Mead (1991, Storey Publishing) is a slim but indispensable reference for basic recipes and techniques. It also contains a chart I have been using for decades: the yields of frozen veg per unit of harvest (bushels, heads, pounds, etc). This table is gold! Nothing is more annoying than running out of pint containers in the middle of processing veg, especially the chiles. With this chart, I know that I need at least 18 pint containers washed and ready when I tackle the 25 pound box of Big Jim peppers in August. They also give yields per unit of planting area (row feet, square feet, bushes, trees, etc). So if you are unsure about how many potatoes you should plant for a given yield or how much space will be necessary for that yield or even how much ‘yield’ you will be able to eat, then buy this book.

Another extremely useful reference book is Rosalind Creasy’s The Complete Book of Edible Landscaping (1982, Sierra Club Books). This is a permaculture book from before permaculture. I learned how to grow abundant food in small spaces from this one book. More a gardening manual than food processing book, Edible Landscaping contains general guides to growing and using just about every kind of fruit, veg and herb that might be grown in temperate climates. (And a few from more tropical conditions.) Creasy gives hardiness, growing season length, light and moisture needs, soil types and whatever else you need to grow a plant. She describes the different growing needs of different varieties of a given species also. For example, you may not live in a climate with the 1000 chill hours needed by Wolf River apples (my favorites), but there are plenty of apple varieties that can be grown in regions with warmer winters.

These two books are my main garden production planning references. I have many other books, but these are the ones that come out every year. I definitely recommend getting them if you are new to producing and storing your own food, or even if you just want to learn more about these skills that everyone will be needing in the not so distant future. However, I would also advise you to get at least one recently published reference on canning and preserving. This is one type of cookbook that I do use. Nobody should improvise on this stuff!

My two go-to garden planning books have plenty of recipes, however there have been many changes in the intervening decades on food safety recommendations. For just one example, it’s been determined that tomatoes are not high enough in acid to kill harmful microbes, so pressure-canning is safer than the water-bath canning I used to use on canned tomato sauce. Most of the recipes are fine and obviously I’m still alive after using them for many years, but that might just be because I’ve been lucky. (That, and botulism doesn’t stand a chance in my sterile kitchen…) But still, preserving low-acid veg is flirting with food poisoning even in the best conditions. So use up-to-date information on how to avoid that nightmare. I use Saving the Seasons by Mary Clemens Meyer and Susanna Meyer (2010, Herald Press), and I have the most recent copy of the USDA’s Complete Guide to Home Canning and Preserving (2008). I have a few other books on jams, chutneys and other high-acid things, but I always cross-reference cooking times and temperatures with the books I trust implicitly. And sometimes I even go look things up on extension agency websites, which presumably have the most recent information available.

So those books go very far toward planning a garden, including what use you’ll make of the produce. But to round out garden planning, especially for those who are looking to create a landscape that needs little maintenance and very few inputs, I have two other book recommendations. These are not quick reads, and maybe I should have suggested starting them last November, but they are invaluable in garden planning. The first is the classic ecology book by Donald Worster, Nature’s Economy (1977, Sierra Club Books). From how ecological balance is physically achieved to the history and ethics of the conservation movement, Worster’s book is a complete education. I only include one other book because it is written specifically for the garden: Ecology for Gardeners by Steven B. Carroll and Severn D. Salt (2004, Timber Press). If there is a fault in Worster’s book, it’s that he doesn’t talk as much as I’d like about the kinds of plants we grow intentionally. Carroll and Salt make up for that — and include lots of images! I don’t know about you, but I will never be able to sort out the good caterpillars from the evil spawn of hell without a good visual guide.

Hope these references help! They’ve inspired me to try new things and see the garden in new ways each year. And speaking of… it’s time to cut up the potatoes so they’ll be cured before planting time. So… I’m off to the cellar now.

Eliza Daley

Eliza Daley is a fiction. She is the part of me that is confident and wise, knowledgable and skilled. She is the voice that wants to be heard in this old woman who more often prefers her solitary and silent hearth. She has all my experience — as mother, musician, geologist and logician; book-seller, business-woman, and home-maker; baker, gardener, and chief bottle-washer; historian, anthropologist, philosopher, and over it all, writer. But she has not lived, is not encumbered with all the mess and emotion, and therefore she has a wonderfully fresh perspective on my life. I rather like knowing her. I do think you will as well.

Can lawmakers save the collapsing Florida home insurance market?

Bankrate

Can lawmakers save the collapsing Florida home insurance market?

Cate Deventer – April 24, 2023

Hurricane Ian could be ‘one of the most severe loss events in U.S. history’: Insurance expert

Insurance Information Institute Director Mark Friedlander joins Yahoo Finance Live to discuss the fraud and over-litigation in Florida’s insurance markets, the losses expected from Hurricane Ian, and insurance reform legislation.

The Florida home insurance market has spent most of 2022 tumbling toward collapse, but recent legislation just might avert disaster. Bankrate dug deep into the Florida insurance industry to discover the cause of the problem and to report on the proposed solutions. We can help you understand why the Florida home insurance crisis is happening and your options if you receive a cancellation or nonrenewal notice on your homeowners insurance policy.

Lightbulb Key insights Governor Ron DeSantis signed a second insurance reform bill into law on December 16, 2022. Combined with earlier legislation, these new regulations may stabilize the spasming home insurance market.

Florida accounts for only 9 percent of the country’s home insurance claims but 79 percent of its home insurance lawsuits, many of them fraudulent.
Because of the fraudulent lawsuits and the high overall claim risk in Florida, insurance companies have faced two consecutive years with net underwriting losses over $1 billion.
The devastating damage from Hurricane Ian will likely put further strain on Florida insurers and could worsen the crisis.

The crisis in the Florida insurance market

Florida has always been a complex home insurance market, but recent issues are pushing the state’s market to the point of collapse. Since 2017, six property and casualty companies that offered homeowners insurance in Florida liquidated. Five more are in the liquidation process in 2022. Other insurance companies are voluntarily leaving the state. Even more are choosing to nonrenew swaths of home insurance policies, drastically tighten their policy eligibility requirements or request substantial rate increases.

For Florida homeowners, this is resulting in fewer home insurance companies and increased premiums. When a company goes insolvent, the Florida Insurance Guaranty Association (FIGA) takes on any claims that still need to be paid by that company. In late August, FIGA’s board and the Florida Office of Insurance Regulation (OIR) approved a .7 percent assessment to help cover the costs of open claims associated with the liquidated companies. That’s the second assessment this year, with a 1.3 percent assessment approved in March. Homeowners will pay these fees regardless of the insurance company they are with.

According to Logan McFaddin, Vice President of State Government Relations at the American Property Casualty Insurance Association,

Florida’s property insurance market is in crisis as insurers grapple with out-of-control litigation costs and billions in losses from recent natural disasters.

Florida’s Insurance Consumer Advocate (ICA) Tasha Carter agrees, saying, “Homeowners insurance options in Florida have become more and more limited, and consumers are facing dire consequences.”

Why are home insurance companies leaving Florida?

Florida insurers are canceling policies, leaving the state or liquidating at a rapid pace. Why? What is behind these companies’ aversion to insuring Florida homes?

Florida has always presented a risky market to home insurance companies due to the high threat of widespread weather-related damage, but the current crisis is caused by a number of factors reaching a boiling point at the same time.

Insurance fraud in Florida

The biggest issue right now in Florida is home insurance fraud, driven by fraudulent roofing claims. A proclamation from the office of Governor Ron DeSantis notes that, although Florida only accounts for 9 percent of the country’s home insurance claims, it is home to 79 percent of the country’s home insurance lawsuits. Many of these lawsuits are fraudulent. ICA Carter explains how the scams generally work:

  1. First, roofers canvas neighborhoods and offer inspections to unsuspecting homeowners. These contractors inevitably “find damage” on the roof and often promise a “free roof” to the homeowner, claiming they can have the home insurance deductible waived.
  2. Homeowners are pressured to sign an assignment of benefits form, giving contractors the right to file an insurance claim on their behalf.
  3. claims adjuster from the insurance company inspects the alleged damage. The adjuster either finds no damage or far more minimal damage than the contractor found, and the claim payout is less than what the contractor demanded.
  4. The contractor brings legal action against the insurance company, demanding a claim payout for the contractor’s original quote. Remember, the homeowner signed the benefits of the policy to the contractor, so the contractor doesn’t need the homeowner’s permission to do this.
  5. The insurance company now has a choice: it can pay the legal costs to fight the lawsuit or pay the costs to settle out of court. Either way, the insurance company loses money due to the legal action.

ICA Carter notes that “these schemes are real and are happening more frequently,” which puts more and more financial pressure on insurance companies, especially in a state with high claims costs due to weather-related events.

According to Mark Friedlander, Director of Corporate Communications at the Insurance Information Institute, “Florida property insurers are projected to post a cumulative underwriting loss of $1.7 billion for 2021” due to these runaway litigation costs. The governor’s office reports that, for two consecutive years, net underwriting losses have exceeded $1 billion. It’s no wonder that so many companies are going insolvent or leaving the state before they reach that point.

On top of that, Florida also previously had a “one-way attorney fee” system. This meant that, when a court ruled in favor of the plaintiff (in this case, a home insurance policyholder or the third-party contractor who filed the claim), the defendant (in this case, the insurance company) was responsible for paying the plaintiff’s attorney fees. So not only were insurers paying for fraudulent lawsuits, they were also paying for the fraudster’s legal costs. Friedlander notes that the insurance reform bill passed in December 2022 “addresses the two root causes of Florida’s residential insurance crisis — litigation abuse and assignment of benefits (AOB) abuse…Eliminating both is necessary to slow down the mass volume of lawsuits being filed against Florida insurers.” Going forward, assignment of benefits forms are banned for home insurance losses and Florida will no longer operate a one-way attorney fee system.

Roof age

Instead of leaving altogether, some companies are tightening their underwriting restrictions to lessen the risk of these scams. This may be the reason why several companies — including Southern Fidelity, Progressive and Universal — have chosen to continue operations in Florida but have nonrenewed tens of thousands of policies.

However, companies are now prohibited from denying coverage solely based on roof age if the roof is fewer than 15 years old and has a life expectancy of five years at the time the policy is issued. That said, insurers will have to decide if they are comfortable with these restrictions or if they will continue leaving Florida.

Storm risk

Risk will always be a consideration for home insurance companies in Florida. The state’s shape and geographic location mean that it could get hit from either side by a hurricane. Because the peninsula is so thin, even homes in the interior counties aren’t entirely protected.

To make matters worse, fraudulent claims may be more common after severe storms — and storms are not uncommon in the state. Hurricane Ian made landfall on September 28 as a powerful Category 4 storm, causing widespread damage. The damage and financial fallout could push the already-teetering home insurance market into collapse due to increased home repair expenses, including the potential of fraudulent roof claims.

However, although the risk of hurricane damage complicates things, it isn’t what’s driving the market to the brink of collapse. After all, other risky states don’t have this problem. A high likelihood of damage generally means paying a higher premium to offset that risk, but coverage is usually still available. Oklahoma, for example, has the highest average cost of home insurance in the nation at $3,593 per year for $250K dwelling coverage due to the likelihood of tornado damage, but homeowners in the state don’t face the same difficulty finding coverage that Floridians do.

Is anything being done to curb the crisis?

Yes, although the full effects of the measures have yet to be seen. Senate Bill 76 went into effect in July 2021 and included several provisions to curb fraudulent claims causing insurers so much strain. One such provision is aimed at reducing the solicitation tactics that fraudulent contractors often use at the start of a scam. While this legal measure may help solve the problem, Sean Harper, CEO of Kin Insurance, warns that “there will need to be additional action taken to restore the market to health.”

Florida lawmakers met for a special session from May 23 through May 27. The Legislature passed an insurance reform bill that includes several provisions to help slow the spiral of the market. The provisions included setting up the My Safe Florida Home Program, which provides grants to help Florida homeowners strengthen their homes against damage. Additionally, home insurance companies will not be able to deny coverage for homes solely based on roof age if a roof is less than 15 years old and still has five years of useful life left (older roofs may still be denied as they present a high risk of damage). Finally, lawyers will be restricted in the rates they can charge for property insurance claims cases, hopefully discouraging fraudulent lawsuits and decreasing litigation costs.

Update: December Special Session yields promising reform legislation

Additional legislation was signed into law on December 16, 2022. Senate Bill 2-A. The bill has numerous provisions but focuses on one-way attorney fees and the assignment of benefits scam. Friedlander told Bankrate:

“This is the strongest insurance reform package we have ever seen passed in Florida. It shows Florida’s new legislative leaders understand the enormity of the state’s property insurance crisis and are initiating decisive actions to create a path toward stability of the market.”

Doing away with one-way attorney fees and assignment of benefit forms could potentially remove massive financial pressure from insurance companies and reduce the number of fraudulent lawsuits. The combination of actions included in Senate Bill 2-A will hopefully buoy the rapidly-sinking insurers in the Florida market.

However, Friedlander notes that change won’t happen overnight: “…it will take time to see positive impacts of the legislative reform. We expect home insurance rates in Florida to remain high in 2023 due to expenses associated with ongoing litigation, combined with soaring reinsurance rates and double-digit replacement cost increases driven by escalating prices of construction materials and labor.”

In other words, relief may be coming, but it’ll likely take some time for homeowners and insurers to feel it.

Demotech responds to potential rating downgrades

Because many home insurance companies have been hit hard by the rampant and fraudulent litigation, they may no longer be as financially stable as they were. In late July 2022, financial strength rating company Demotech announced it was considering downgrading the financial strength ratings of 27 property insurance companies.

The situation is complex. While these carriers may no longer have the financial strength they used to, downgrading also causes issues. Downgrading financial ratings impacts homeowners with federally-backed mortgages — those from Fannie Mae and Freddie Mac — because these lenders require home insurance companies with Demotech ratings to maintain at least an ‘A’ level. Demotech has not released the names of the companies it is considering downgrading.

“Preliminary evaluations are just that — preliminary,” Demotech President Joe Petrelli told Bankrate. Some of the 27 could retain an ‘A’ or higher rating. But if these downgrades happen, homeowners whose coverage is with an affected company may need to find another insurance carrier in a market where options are already limited or expensive.

While a rating downgrade may present challenges for a company and its insureds, that hardship cannot, and does not, factor into our ratings, which are based on specific data and the objective application of our rating methodology.— Joe PetrelliPresident of Demotech

The Florida OIR established a reinsurance fund through its last-resort insurer, Citizens. This means that if an insurance company’s financial strength rating is downgraded below the ‘A’ level, the downgraded company could purchase coverage from Citizens to back it, similar to a co-signer backing a loan. Reinsurance through Citizens would allow the downgraded insurance company to meet Fannie Mae and Freddie Mac’s requirements. This is important because it would prevent policyholders from being required to find a new property insurer. However, a reinsurance solution further strains Citizens, which is already taking on substantial risk by insuring more policyholders in the state as other insurance companies exit Florida.

Learn more: Demotech downgrades and what they might mean for the Florida property insurance market

Update: Florida seeks to replace Demotech

On September 9, the Florida legislature approved a $1.5 million plan to search for a financial strength rating company to replace Demotech. The state will hire a consultant to seek out alternatives that may include finding another company or creating a state-backed financial strength rating agency. Petrelli released a statement in response:

“Since 1996 in Florida, Demotech has provided neutral, unbiased ratings to property insurers, among the approximately 50,000 such ratings we have produced across the country. Our review and analysis process has remained consistent throughout this time. Currently, at least four rating organizations acceptable to the government-sponsored mortgage enterprises operate in Florida and countrywide, and a research effort on rating alternatives could be accomplished at no cost to the taxpayers by reviewing existing Freddie Mac and Fannie Mae sellers or servicer guides. Today’s action is an unnecessary response to a problem that does not exist. The reality is that when Hurricane Andrew devastated the state nearly 30 years ago, the rating agencies involved in Florida chose to step away — but Demotech stepped up.”

It remains to be seen if finding another ratings agency will produce meaningful results toward correcting the Florida home insurance crisis. As always, Bankrate continues to monitor the situation.

How to lessen your risk of nonrenewal

If you live in Florida, having a plan could help you lessen your risk of receiving an insurance nonrenewal. There’s nothing you can do to prevent your company from pulling out of the state, but there are steps you can take to make your home as insurable as possible:

  • Keep your roof updated and in good shape: Inspect your roof regularly and repair minor damage as it happens. If you can afford to, replace your roof before it reaches 15 years of age to lessen the risk of being nonrenewed.
  • Install wind mitigation features: State law requires Florida home insurance companies to offer discounts for certain wind protection features, such as hurricane straps and other roof-bracing measures. These features lessen the risk of severe damage to your home, thus making your property more attractive to insurers.
  • Maintain your property: Generally, maintaining your property will make finding insurance coverage easier. Along with checking your roof, also regularly check the rest of the exterior features of your home for damage. You should also make sure no large tree branches or other potential hazards overhang your home, as these could put you at risk of roof damage in a windstorm.

Additionally, there are ways you can lessen the impact of home insurance fraud and help keep companies from having to liquidate. ICA Carter points out that “consumers have the power to help stop contractor fraud by being informed and reporting fraud.”

  • Know the signs and stay educated: ICA Carter created educational resources called “Demolish Contractor Fraud: Steps to Avoid Falling Victim” that may help homeowners recognize the signs of fraud, stop it before it happens and report it.
  • Be wary of solicitation: Soliciting business isn’t against the law, but contractors who canvas neighborhoods after storms — and especially those who offer incentives and rebates for an inspection — may be part of a scam. Instead, contact your insurance company if you are concerned your home sustained damage after a storm.
  • Do not sign an assignment of benefits form: These forms have been banned by Senate Bill 2-A, but keeping an eye out for them as you work with a contractor could still be useful. By keeping control of your policy, you decide if a lawsuit is filed, which vastly cuts down on fraudulent litigation. It’s worth noting that these forms are often buried within otherwise legitimate-looking contracts. Once you’ve signed, the form is legally binding, so it’s important to read everything you are asked to sign. Do not let a contractor simply point out a signature section on paperwork or scroll past the details on a tablet screen. Read the entire document carefully.

Additionally, some companies now offer a discount if you agree to make your policy unassignable. Kin is one such company, and Harper notes that having a high number of unassignable policies has shielded the company from much of the litigation nightmare ensnaring other carriers.

What to do if your home insurance has been canceled

If you’ve received a Florida homeowners insurance cancellation, act quickly. With hurricane season approaching and the insurance market in turmoil, getting another policy could be difficult, but it is possible.

McFaddin recommends that you “work closely with your insurer or insurance agent to see what options may be available to you.” ICA Carter’s advice was similar, advising that “consumers should contact their insurance agency immediately to determine what their options are for homeowners insurance.”

If you’re struggling to find home insurance coverage in Florida, there are still a few companies that may be able to help.

Kin

No home insurance company in Florida is immune to the ripping effects of raging litigation, but Harper notes that his company has “some things that we’re doing that allow us to stay open in Florida when other folks aren’t or are going out of business.” In addition to the bulk of the company’s policies being unassignable, the company also employs a unique system for assessing claim damage.

Harper explains that Kin uses software that monitors weather systems and accurately pinpoints which houses may be damaged. The company can then proactively reach out to homeowners to determine if a claim needs to be filed, thereby cutting out potentially predatory contractors.

It sounds crazy, right, to be an insurance company that is asking our customers for claims? But it actually pays off.— Sean HarperCEO of Kin Insurance

Citizens Property Insurance Corporation

Citizens is often one of the only options for homeowners in many areas of the state. The company has experienced rapid growth due to other carriers leaving the market. In 2018, the company had only 414,000 active policies; by August 2022, that number had ballooned to over 1,000,000. Michael Peltier, the spokesperson for Citizens, told Bankrate that the company is writing 5,000 to 6,000 new policies per week, and that in many parts of the state, Citizens is “the only game in town right now.”

Even so, Peltier says that “we do have underwriting guidelines,” so it may not be an option for all homeowners. Citizens is also affected by the same issues that are plaguing other insurance carriers and have recently raised their rates. Although the company requested a 10.7 percent increase on standard home insurance policies, the Florida OIR approved a 6.4 percent increase. While 6.4 percent is certainly better than 10.7 percent, it’s likely that many Citizens policyholders will still feel the strain of a larger bill. The rate increase will go into effect on September 1.

Additionally, Friedlander warns that, because Citizens is insuring so many of the high-risk homes that other carriers have walked away from, “a major hurricane striking Florida could have devastating effects” on the company and the industry. Offering reinsurance to companies if Demotech does downgrade ratings will add more risk to Citizens if a disaster strikes.

Citizens may get some relief from the December 2022 reform bill, though. Policyholders must now accept private insurance quotes if they are no more than 20 percent higher than Citizens’ quotes. Additionally, Citizens’ rates must be actuarially sound but are now required to be non-competitive with the private insurance market. Finally, Citizens policyholders will be required to carry flood insurance. Rates for a last-resort policy are likely to be higher going forward, but that should theoretically help curb the influx of policies that could drown Citizens entirely.

Update: Slide Insurance takes on some St. Johns and UPC policyholders after insolvency

Since its 2021 inception, Tampa-based company Slide Insurance has embraced taking on books of business from insolvent Florida home insurance companies.

In February of 2022, the Florida OIR announced that Slide would absorb about 147,000 policyholders from St. Johns Insurance Company when it reported its insolvency. In a similar move, approximately 72,000 UPC Insurance policyholders were transferred to Slide when UPC went belly-up in February 2023.

But what is Slide Insurance? Founded by former Heritage Insurance CEO Bruce Lucas, Slide is an insurtech that relies on AI and large data sets for its underwriting models. The company claims this is the edge it needs to thrive in the challenged Florida homeowners insurance market. Slide is rated A (Exceptional) by Demotech.

If you’re one of the many homeowners who have found themselves transferred to Slide, you might be wondering what’s next. According to the company, policyholders have no actions to take — as long as you pay your premiums, there will be no lapse of coverage. Additionally, Slide will notify your mortgage company for escrow purposes (if applicable).

One important thing to note is that Slide will not handle any open UPC claims that occurred before February 1, 2023. Instead, those that need help with an existing UPC claim should contact the UPC claims center directly.

Update: Florida OIR announces Tailrow Insurance Company as newest carrier to enter the Florida home insurance market

In April 2023, the Florida OIR announced that it approved the application for Tailrow Insurance Company, bringing a new carrier into the state.

While Tailrow is yet to be formed (the company has provisions to meet before the OIR will authorize it to do business), this may be a promising first step in stabilizing the market. Bankate’s experts are committed to staying on top of this story and will bring our readers new information as it unfolds.

The bottom line

Florida home insurance has always been complex due to the state’s high risk of storm damage, but the incidence of fraudulent roofing claims has pushed the market to the brink of collapse. The problem may not stay in Florida, either; if other high-risk states like Louisiana and California see an increase in insurance fraud, those markets could begin to degrade. There is hope, though, as measures are put into place to protect companies and policyholders from financial strength rating downgrades, laws are passed that could help curb scams and carriers take a different approach to insuring homes in the Sunshine State. But will these measures be enough to save a market in turmoil?

Dangers from future technologies? It’s the current ones that are killing us

Resilience – Environment

Dangers from future technologies? It’s the current ones that are killing us

By Kurt Cobb, originally published by Resource Insights 

April 23, 2023

vision of the future
Image: “A futuristic vision: the advance of technology leads to rapid transport, sophisticated tastes among the masses, mechanization, and extravagant building projects. Coloured etching by William Heath” (1829). Via Wikimedia Commons https://commons.wikimedia.org/wiki/File:A_futuristic_vision_Wellcome_V0041098.jpg

Certainly, there a plenty of horror stories about possible disasters awaiting us from emerging technologies. I’ve written about two of them: 1) the possibility of small cheap, AI-guided drones used to commit mass slaughter (or targeted assassinations) and 2) lethal synthetic viruses for warfare or released by an apocalyptic cult trying to bring the apocalypse forward on the calendar. More recently, some have predicted that advances in artificial intelligence will ultimately lead to the destruction of humanity.

As bad as these sound, it’s possible that doomscrolling our way through the breathless coverage of dangerous new technologies is distracting us from what is already happening in right front of us: Existing technologies are already pushing humans quickly down the path to extinction (along with many plants and animals). Pretending that dangers to the survival of the human species come ONLY from the future is a perilous diversion.

In fact, the combination of climate change; the increasingly toxic pollution of the soil, water and air; depletion of arable soil, water, energy and critical metals; galloping development of wild and farm lands; and second order effects such as habitat and biodiversity loss, acidification of the oceans and dramatic loss of Greenland’s ice that may lead to a breakdown in the Gulf Stream ocean current that keeps much of Europe temperate—all this has gathered so much momentum that, frankly, we don’t need any help from the future to kill ourselves as a species. (Oh, I almost forgot; we could obliterate ourselves with a nuclear winter without any new nuclear technology or warheads needed.)

It turns out that we may be doing such a good job of threatening our species already that the emerging technologies we fear most will never get a chance to fully emerge. In the not-too-distant future, we humans may already be gone or our societies so degraded that launching a second apocalypse with the help of new technologies will be a practical impossibility. We won’t have the functioning infrastructure to do it!

And, that is basically the key to the lethality of most emerging technologies: connectivity. If communities become so isolated that inhabitants cannot travel to distant places harboring designer virus outbreaks, humanity will paradoxically be saved from extinction because of the loss of technology and any attendant mobility. Contemplate that for moment!

As for artificial intelligence, well, it needs a vast infrastructure of connected information sources to be effective. When I asked friends recently why we can’t literally just pull the plug on AI if it becomes dangerous, they had many explanations. But, perhaps the most telling one was that we have become so networked across the globe and AI will be so distributed, that we’d effectively have to pull the plug on ourselves—and we are not willing to do that even if not pulling the plug ultimately leads to our destruction.

Of course, the public has been told again and again that emerging technologies will bring abundance for all, solve climate change, get rid of pollution, cure most diseases, produce so much energy we’ll never have to think about the cost, and actually help regenerate the soil and the forests while increasing biodiversity.

I don’t know what they’ve been waiting for, but the tech overlords who’ve sold us this story had better get busy right now. There isn’t much time left for them to build out their “solutions.”

Kurt Cobb

Kurt Cobb is a freelance writer and communications consultant who writes frequently about energy and environment. His work has appeared in The Christian Science Monitor, Common Dreams, Le Monde Diplomatique, Oilprice.com, OilVoice, TalkMarkets, Investing.com, Business Insider and many other places. He is the author of an oil-themed novel entitled Prelude and has a widely followed blog called Resource Insights. He is currently a fellow of the Arthur Morgan Institute for Community Solutions.

Saying NO to a farm-free future

Resilience – Society

Saying NO to a farm-free future

By Chris Smaje, originally published by Small Farm Future

April 20, 2023

The time has come to announce my new book, Saying NO to a Farm-Free Future: The Case for an Ecological Food System and Against Manufactured Foods. It’ll be published in the UK on 29 June and the US on 20 July, with ebook and audio versions also available. So there’s no excuse… I’m delighted that Sarah Langford, the author of Rooted, is writing a foreword for it.

The folks at Chelsea Green have come up with this attractive but unfancy cover, which matches my feelings about the book.

I wrote the book in a two-month blur as a job of work that I felt somebody had to do to combat the head of steam building around the case for a farm-free future associated with George Monbiot’s book Regenesis and the Reboot Food initiative. And if that somebody was me, so be it.

My original motivation was mainly just to critique the fanciful ecomodernism of Reboot Food, which I believe is apt to bedazzle people of goodwill but with limited knowledge of food and farming into thinking that a technological solution is at hand that will enable them to continue living high-energy, urban consumerist lifestyles while going easy on the climate and the natural world. Really, it isn’t. The danger is that farm-free bromides will, as usual with ecomodernism, instil a ‘great, they’ve fixed it!’ complacency at just the time when we need to jettison the techno-fix mentality and radically reimagine our social and political assumptions.

So the book takes a somewhat polemical approach in critiquing the arguments for manufactured food. But actually I found that this provided a pretty good foil for making an alternative case for agrarian localism, what I call in my book ‘a predominantly distributed rural population, energy restraint, diverse mixed farming for local needs, wildlands, human-centred science, popular smallholder democracy and keystone ecology’. So the book has that more positive framing too, much of which will be familiar to regular readers of this blog or of my previous book, although I like to think I’ve pushed a few things forwards. Still, it’s a short book, so a more detailed exposition awaits.

What I don’t and won’t do is offer some alternative technical or social one-size-fits-all solution. Solutionism of this kind is itself part of the problem. I daresay that will lead to some incomprehension in the book’s reception along the lines that if I can’t provide an alternative ‘answer’, then I can’t have anything worthwhile to say. Naturally, I don’t subscribe to that line of reasoning. Researchers, opinion-mongers and writers of books just don’t have ‘the answer’, whereas you – whoever ‘you’ are – probably do have part of an answer locally. But you have to work at it. Maybe my book will help. In that sense, what I offer is a bit like the answer of farming itself. Instead of the magic beans and golden geese of the Reboot Food narrative, all I can realistically offer is a bare seedbed awaiting productive work. The scene then has to be peopled by others, ordinary working people, doing the work.

Or maybe you could think of the book as an exercise in rewilding, because the nature of wildness is that you can’t really tell what’s going to happen next.

Anyway, I’ll be interested to see what kind of reception the book gets. Possibly, it’s presumptuous of me to expect it’ll get much of a reception at all, but my tweet from a few days back announcing the book has had around 34,000 views – so by my humble standards I think there may be an appetite out there for this.

I’m not going to steal my own thunder from the book pre-publication, but I thought I’d offer loyal readers of this blog a few tidbits by way of a sneak preview.

So, after some introductory material the book asks whether the energetics and economic geography implied in the manufactured food narrative are feasible (as I just said, I can’t give too much away just now about the book’s contents, but I’ll offer a clue: the answer is a two-letter word beginning with ‘n’). Then I consider whether the case against the wildlife and climate impacts of familiar plant-and-livestock based agriculture articulated in manufactured food narratives is plausible (answer: it’s complicated – let’s call it a two-letter word beginning with ‘n’ again, but with a side of three-letter word beginning with ‘y’). Next, I move on to examine whether a farm-free future for humanity is likely to involve what ecomodernist pioneer Stewart Brand called ‘urban promise’ – urbanization as a positive and prosperity-enriching experience. On that one, we’re back to a straightforward answer – the two-letter ‘n’ word again. Or at least we are if we have any commitment to justice. Finally, I make an alternative case for agrarian localism as the best means of securing human and natural wellbeing and climate stability, involving long-term human relationships with the land that, like all long-term relationships, require regular and ongoing work.

So there you have it. If you’d like to read the full version (or alternatively hear me reading it) I’d suggest pre-ordering a copy now! But I daresay I’ll write more about its themes on this blog once the book is out, albeit most likely with a bit less expounding than I devoted to my previous one.

Chris Smaje

Chris Smaje has coworked a small farm in Somerset, southwest England, for the last 17 years. Previously, he was a university-based social scientist, working in the Department of Sociology at the University of Surrey and the Department of Anthropology at Goldsmiths College on aspects of social policy, social identities and the environment. Since switching focus to the practice and politics of agroecology, he’s written for various publications, such as The Land , Dark Mountain , Permaculture magazine and Statistics Views, as well as academic journals such as Agroecology and Sustainable Food Systems and the Journal of Consumer Culture . Smaje writes the blog Small Farm Future, is a featured author at www.resilience.org and a current director of the Ecological Land Co-op. Chris’ latest book is: A Small Farm Future: Making the Case for a Society Built Around Local Economies, Self-Provisioning, Agricultural Diversity, and a Shared Earth.

Will the West Turn Ukraine into a Nuclear Battlefield?

Resilience – Energy

Will the West Turn Ukraine into a Nuclear Battlefield?

By Joshua Frank, originally published by Tom Dispatch 

April 20, 2023

Chernobyl
Why Depleted Uranium Should Have No Place There

It’s sure to be a blood-soaked spring in Ukraine. Russia’s winter offensive fell far short of Vladimir Putin’s objectives, leaving little doubt that the West’s conveyor belt of weaponry has aided Ukraine’s defenses. Cease-fire negotiations have never truly begun, while NATO has only strengthened its forces thanks to Finland’s new membership (with Sweden soon likely to follow). Still, tens of thousands of people have perished; whole villages, even cities, have been reduced to rubble; millions of Ukrainians have poured into Poland and elsewhere; while Russia’s brutish invasion rages on with no end in sight.

The hope, according to Ukrainian President Volodymyr Zelensky, is that the Western allies will continue to furnish money, tanks, missiles, and everything else his battered country needs to fend off Putin’s forces. The war will be won, according to Zelensky, not through backroom compromises but on the battlefield with guns and ammo.

“I appeal to you and the world with these most simple and yet important words,” he said to a joint session of Great Britain’s parliament in February. “Combat aircraft for Ukraine, wings for freedom.”

The United Kingdom, which has committed well over $2 billion in assistance to Ukraine, has so far refused to ship fighter jets there but has promised to supply more weaponry, including tank shells made with depleted uranium (DU), also known as “radioactive bullets.” A by-product of uranium enrichment, DU is a very dense and radioactive metal that, when housed in small torpedo-like munitions, can pierce thickly armored tanks and other vehicles.

Reacting to the British announcement, Putin ominously said he would “respond accordingly” if the Ukrainians begin blasting off rounds of DU.

While the UK’s decision to send depleted-uranium shells to Ukraine is unlikely to prove a turning point in the war’s outcome, it will have a lasting, potentially devastating, impact on soldiers, civilians, and the environment. The controversial deployment of DU doesn’t pose faintly the same risks as the actual nuclear weapons Putin and his associates have hinted they might use someday in Ukraine or as would a potential meltdown at the embattled Zaporizhzhia nuclear facility in that country. Still, its use will certainly help create an even more lethal, all too literally radioactive theater of war — and Ukraine will end up paying a price for it.

The Radioactive Lions of Babylon

Stuart Dyson survived his deployment in the first Gulf War of 1991, where he served as a lance corporal with Britain’s Royal Pioneer Corps. His task in Kuwait was simple enough: he was to help clean up “dirty” tanks after they had seen battle. Many of the machines he spent hours scrubbing down had carried and fired depleted uranium shells used to penetrate and disable Iraq’s T-72 tanks, better known as the Lions of Babylon.

Dyson spent five months in that war zone, ensuring American and British tanks were cleaned, armed, and ready for battle. When the war ended, he returned home, hoping to put his time in the Gulf War behind him. He found a decent job, married, and had children. Yet his health deteriorated rapidly and he came to believe that his military service was to blame. Like so many others who had served in that conflict, Dyson suffered from a mysterious and debilitating illness that came to be known as Gulf War Syndrome.

After Dyson suffered years of peculiar ailments, ranging from headaches to dizziness and muscle tremors, doctors discovered that he had a severe case of colon cancer, which rapidly spread to his spleen and liver. The prognosis was bleak and, after a short battle, his body finally gave up. Stuart Dyson died in 2008 at the age of 39.

His saga is unique, not because he was the only veteran of the first Gulf War to die of such a cancer at a young age, but because his cancer was later recognized in a court of law as having been caused by exposure to depleted uranium. In a landmark 2009 ruling, jurors at the Smethwick Council House in the UK found that Dyson’s cancer had resulted from DU accumulating in his body, and in particular his internal organs.

“My feeling about Mr. Dyson’s colon cancer is that it was produced because he ingested some radioactive material and it became trapped in his intestine,” Professor Christopher Busby, an expert on the effects of uranium on health, said in his court testimony. “To my mind, there seems to be a causal arrow from his exposure to his final illness. It’s certainly much more probable than not that Mr. Dyson’s cancer was caused by exposure to depleted uranium.”

The U.S. Department of Defense estimated that American forces fired more than 860,000 rounds of DU shells during that 1991 war to push Iraqi autocrat Saddam Hussein’s military out of Kuwait. The result: a poisoned battlefield laced with radioactive debris, as well as toxic nerve agents and other chemical agents.

In neighboring southern Iraq, background radiation following that war rose to 30 times normal. Tanks tested after being shelled with DU rounds had readings 50 times higher than average.

“It’s hot forever,” explains Doug Rokke, a former major in the U.S. Army Reserve’s Medical Service Corps who helped decontaminate dozens of vehicles hit by DU shells during the first Gulf War. “It doesn’t go away. It only disperses and blows around in the wind,” he adds. And of course, it wasn’t just soldiers who suffered from DU exposure. In Iraq, evidence has been building that DU, an intense carcinogenic agent, has led to increases in cancer rates for civilians, too.

“When we were moving forward and got north of a minefield, there were a bunch of blown-out tanks that were near where we would set up a command post,” says Jason Peterson, a former American Marine who served in the first Gulf War. “Marines used to climb inside and ‘play’ in them … We barely knew where Kuwait was, let alone the kind of ammunition that was used to blow shit up on that level.”

While it’s difficult to discern exactly what caused the Gulf War Syndrome from which Dyson and so many other soldiers suffered (and continue to suffer), experts like Rokke are convinced that exposure to depleted uranium played a central role in the illness. That’s an assertion Western governments have consistently downplayed. In fact, the Pentagon has repeatedly denied any link between the two.

“I’m a warrior, and warriors want to fulfill their mission,” Rokke, who also suffers from Gulf War Syndrome, told Vanity Fair in 2007. “I went into this wanting to make it work, to work out how to use DU safely, and to show other soldiers how to do so and how to clean it up. This was not science out of a book, but science done by blowing the shit out of tanks and seeing what happens. And as we did this work, slowly it dawned on me that we were screwed. You can’t do this safely in combat conditions. You can’t decontaminate the environment or your own troops.”

Death to Uranium

Depleted uranium can’t produce a nuclear explosion, but it’s still directly linked to the development of atomic weaponry. It’s a by-product of the uranium enrichment process used in nuclear weapons and fuel. DU is alluring to weapons makers because it’s heavier than lead, which means that, if fired at a high velocity, it can rip through the thickest of metals.

That it’s radioactive isn’t what makes it so useful on the battlefield, at least according to its proponents. “It’s so dense and it’s got so much momentum that it just keeps going through the armor — and it heats it up so much that it catches on fire,” says RAND nuclear expert and policy researcher Edward Geist.

The manufacturing of DU dates back to the 1970s in the United States. Today, the American military employs DU rounds in its M1A2 Abrams tanks. Russia has also used DU in its tank-busting shells since at least 1982 and there are plenty of accusations, though as yet no hard evidence, that Russia has already deployed such shells in Ukraine. Over the years, for its part, the U.S. has fired such rounds not just in Kuwait, but also in Bosnia, Iraq, Kosovo, Syria, and Serbia as well.

Both Russia and the U.S. have reasons for using DU, since each has piles of the stuff sitting around with nowhere to put it. Decades of manufacturing nuclear weapons have created a mountain of radioactive waste. In the U.S., more than 500,000 tons of depleted-uranium waste has built up since the Manhattan Project first created atomic weaponry, much of it in Hanford, Washington, the country’s main plutonium production site. As I investigated in my book Atomic Days: The Untold Story of the Most Toxic Place in America, Hanford is now a cesspool of radioactive and chemical waste, representing the most expensive environmental clean-up project in history with an estimated price tag of $677 billion.

Uranium, of course, is what makes the whole enterprise viable: you can’t create atomic bombs or nuclear power without it. The trouble is that uranium itself is radioactive, as it emits alpha particles and gamma rays. That makes mining uranium one of the most dangerous operations on the planet.

Keep It in the Ground

In New Mexico, where uranium mines were primarily worked by Diné (Navajo People), the toll on their health proved gruesome indeed. According to a 2000 study in the Journal of Occupational and Environmental Medicinerates of lung cancer in Navajo men who mined uranium were 28 times higher than in those who never mined uranium. The “Navajo experience with uranium mining,” it added, “is a unique example of exposure in a single occupation accounting for the majority of lung cancers in an entire population.”

Scores of studies have shown a direct correlation between exposure to uranium and kidney diseasebirth defects in infants (when mothers were exposed), increased rates of thyroid disease, and several autoimmune diseases. The list is both extensive and horrifying.

“My family had a lot of cancer,” says anti-nuclear activist and Indigenous community organizer Leona Morgan. “My grandmother died of lung cancer and she never smoked. It had to be the uranium.”

One of the largest radioactive accidents, and certainly the least reported, occurred in 1979 on Diné land when a dam broke, flooding the Puerco River near Church Rock, New Mexico, with 94 million gallons of radioactive waste. The incident received virtually no attention at the time. “The water, filled with acids from the milling process, twisted a metal culvert in the Puerco and burned the feet of a little boy who went wading. Sheep keeled over and died, while crops curdled along the banks. The surge of radiation was detected as far away as Sanders, Arizona, fifty miles downstream,” writes Judy Pasternak in her book Yellow Dirt: A Poisoned Land and the Betrayal of the Navajo.

Of course, we’ve known about the dangers of uranium for decades, which makes it all the more mind-boggling to see a renewed push for increased mining of that radioactive ore to generate nuclear power. The only way to ensure that uranium doesn’t poison or kill anyone is to leave it right where it’s always been: in the ground. Sadly, even if you were to do so now, there would still be tons of depleted uranium with nowhere to go. A 2016 estimate put the world’s mountain of DU waste at more than one million tons (each equal to 2,000 pounds).

So why isn’t depleted uranium banned? That’s a question antinuclear activists have been asking for years. It’s often met with government claims that DU isn’t anywhere near as bad as its peacenik critics allege. In fact, the U.S. government has had a tough time even acknowledging that Gulf War Syndrome exists. A Government Accountability Office report released in 2017 found that the Veterans Affairs Department had denied more than 80% of all Gulf War illness claims by veterans. Downplaying DU’s role, in other words, comes with the terrain.

“The use of DU in weapons should be prohibited,” maintains Ray Acheson, an organizer for the International Campaign to Abolish Nuclear Weapons and author of Banning the Bomb, Smashing the Patriarchy. “While some governments argue there is no definitive proof its use in weapons causes harm, it is clear from numerous investigations that its use in munitions in Iraq and other places has caused impacts on the health of civilians as well as military personnel exposed to it, and that it has caused long-term environmental damage, including groundwater contamination. Its use in weapons is arguably in violation of international law, human rights, and environmental protection and should be banned in order to ensure it is not used again.”

If the grisly legacy of the American use of depleted uranium tells us anything, it’s that those DU shells the British are supplying to Ukraine (and the ones the Russians may also be using there) will have a radioactive impact that will linger in that country for years to come, with debilitating, potentially fatal, consequences. It will, in a sense, be part of a global atomic war that shows no sign of ending.

Germany’s foreign minister: Parts of China trip ‘more than shocking’

Reuters

Germany’s foreign minister: Parts of China trip ‘more than shocking’

Alexander Ratz – April 19, 2023

FILE PHOTO: German Foreign Minister Annalena Baerbock visits China
German Foreign Minister Annalena Baerbock visits China
FILE PHOTO: German Foreign Minister Annalena Baerbock visits China
German Foreign Minister Annalena Baerbock visits China

BERLIN (Reuters) – German Foreign Minister Annalena Baerbock on Wednesday described parts of her recent trip to China as “more than shocking” and said Beijing was increasingly becoming a systemic rival more than a trade partner and competitor.

The blunt remarks followed Baerbock’s visit to Beijing last week where she warned that any attempt by China to control Taiwan would be unacceptable.

Beijing claims democratically governed Taiwan as a Chinese province and has never ruled out the use of force to bring the island under its control.

Baerbock had also said China wanted to follow its own rules at the expense of the international rules-based order. Beijing in turn asked Germany to support Taiwan’s “reunification” and said China and Germany were not adversaries but partners.

Speaking to the German Bundestag (lower house of parliament) on Wednesday about her China trip, Baerbock said “some of it was really more than shocking”.

She did not elaborate on specifics, although her remark came after she said China was becoming more repressive internally as well as aggressive externally.

For Germany, she said, China is a partner, competitor and systemic rival, but her impression is now “that the systemic rivals aspect is increasing more and more”.

China is Germany’s largest trading partner, said Baerbock, but this did not mean Beijing was also Germany’s most important trading partner.

The German government wants to work with China but does not want to repeat past mistakes, for example the notion of “change through trade”, she said, that the West can achieve political shifts in authoritarian regimes through commerce.

Baerbock also said China had a responsibility to work towards peace in the world, in particular using its influence over Russia in the war in Ukraine.

She welcomed Beijing’s promise not to supply weapons to Russia, including dual use items, though added that Berlin would see how such a promise worked in practice.

In a departure from the policies of former chancellor Angela Merkel, Olaf Scholz’s government is developing a new China strategy to reduce dependence on Asia’s economic superpower, a vital export market for German goods.

(Writing by Matthias Williams; Editing by Mark Heinrich)

Striking before-and-after satellite photos show the great California snowmelt underway

Los Angeles Times

Striking before-and-after satellite photos show the great California snowmelt underway

Terry Castleman – April 19, 2023

LONE PINE, CA - MARCH 22: The east side of the Sierra Nevada mountain range along HWY 395 on Wednesday, March 22, 2023 in Lone Pine, CA. Flash flooding along the eastern Sierra Nevada a week ago caused an unprecedented breach in the City of Los Angeles Department of Water and Power Los Angeles Aqueduct, as well as other damage. (Gary Coronado / Los Angeles Times)
Cars on Highway 395 along the east side of the Sierra Nevada near Lone Pine, Calif., on March 22, 2023. (Gary Coronado / Los Angeles Times)

As California’s wet winter has given way to warmer spring weather, the state’s record snowpack has begun to melt.

Though the accumulated snow still measures 249% of normal as of April 18, new satellite photos show that the white blankets enveloping mountains across the state have started to recede.

The Southern Sierra continues to be the standout region, with snow levels on slopes there at more than 300% of normal.

Satellite images seen below from NASA’s Earth Observing System Data and Information System, or EOSDIS, show the snowy Sierra on March 16 (left), and a month later (right).

While the snowpack remains substantial in the more recent image , it has dissipated significantly at lower elevations. The Mendocino Range, seen in the top left of the image, also shows significant snow loss.

In Southern California, the change has been even more dramatic.

The San Gabriel, San Bernardino and San Jacinto mountains were blanketed in snow on March 24, but by April 8 much of the snow had melted away.

Images below from a European Space Agency satellite captured the snow melt.

While the Southern California snowpacks have caused relatively little flooding as they melt, the snow in the Sierra may be a different story.

Farm equipment stands in floodwater just South of Tulare River Road.
Farm equipment stands in floodwater just South of Tulare River Road. (Robert Gauthier / Los Angeles Times)

Flood danger could last through the year in the adjacent San Joaquin Valley, officials told the Times. The valley has already endured significant flooding this year, with excessive rains wreaking havoc in small towns and fueling the renaissance of Tulare Lake.

Tulare Lake continues to rise along its northern border.
Tulare Lake continues to rise along its northern border. (Robert Gauthier / Los Angeles Times)

Typically, about a quarter of snow melt takes place in April, with the majority coming in May and June as the weather warms up.

But the remarkably wet winter means flooding could linger through much of the year, the latest outlooks show.

View from aboard a whitewater raft during a tour of the upper Kern River
View from aboard a whitewater raft during a tour of the upper Kern River in Kernville. (Jack Dolan / Los Angeles Times)

The Tulare Lake basin and the San Joaquin River basin remain the areas of top concern, as record-deep snowpack in the southern Sierra Nevada is expected to send a cascade of water down into the San Joaquin Valley as it melts.

Isabella Lake as seen from Wofford Heights.
Isabella Lake as seen from Wofford Heights on April 7, 2023. (Myung J. Chun / Los Angeles Times)

The threat comes after one of the state’s coldest, wettest winters on record. Mammoth Mountain in the Sierra received more than 700 inches of fresh powder this season, and there is now more water contained in the state’s snowpack than the capacity of Lake Mead, the nation’s largest reservoir.

Though most of the focus is on the Central Valley, officials in L.A. are also keeping an eye on on spring and summer flooding as it could cause additional damage to the Los Angeles Aqueduct.

The aqueduct, which delivers water from the Owens Valley to millions of Angelenos, has already suffered damage from this winter’s storms.

Times Staff Writer Hayley Smith contributed to this report.

Meet the ‘elite’ couples breeding to save mankind

The Telegraph

Meet the ‘elite’ couples breeding to save mankind

Io Dodds – April 19, 2023

Elite couple breeding to save mankind - Winnie Au
Elite couple breeding to save mankind – Winnie Au

At the beginning of March, Aria Babu quit her job at a think tank to dedicate herself to something most people have never heard of. Having worked in public policy for several years, the 26-year-old Londoner had come to an alarming realisation about the future of the UK, the world – and the human species.

‘It became clear to me that people wanted more children than they were having,’ Babu says. ‘Considering this is such a massive part of people’s lives, the fact that they were not able to fulfil this want was clearly indicative that something was wrong.’

The new focus of Babu’s career is a philosophy known as pronatalism, literally meaning pro-birth. Its core tenet is deceptively simple: our future depends on having enough children, and yet life in developed countries has become hostile to this basic biological imperative. Linked to the subcultures of rationalism and ‘effective altruism’ (EA), and bolstered by declining birth rates, it has been gaining currency in Silicon Valley and the wider tech industry – especially its more conservative corners.

‘I’ve been in various text threads with technology entrepreneurs who share that view… there are really smart people that have real concern around this,’ says Ben Lamm, a Texas biotech entrepreneur whose company Colossal is developing artificial wombs and other reproductive tech (or ‘reprotech’) that could boost future fertility.

‘We are quite familiar with the pronatalist movement and are supporters of it,’ says Jake Kozloski, the Miami-based co-founder of an AI matchmaking service called Keeper, which aims to address the ‘fertility crisis fueled by a marriage crisis’ by helping clients find the other parent of their future children.

‘I encourage people who are responsible and smart and conscientious to have children, because they’re going to make the future better,’ says Diana Fleischman, a pronatalist psychology professor at the University of New Mexico and consultant for an embryo-selection start-up (she is currently pregnant with her second child).

Easily the most famous person to espouse pronatalist ideas is Elon Musk, the galaxy’s richest human being, who has had 10 children with three different women. ‘If people don’t have more children, civilisation is going to crumble. Mark my words,’ Musk told a business summit in December 2021. He has described population collapse as ‘the biggest danger’ to humanity (exceeding climate change) and warned that Japan, which has one of the lowest birth rates in the world, ‘will eventually cease to exist’.

In an Insider article last November that helped bring the movement to wider attention, 23andMe co-founder Linda Avey acknowledged its influence on the Texan tech scene, while the managing director of an exclusive retreat, Dialog, co-founded by arch-conservative investor and PayPal pioneer Peter Thiel, said population decline was a frequent topic there.

Babu, who hopes to join or create a pronatalist organisation in the UK, says it is still ‘niche’ here but gaining ground on both the ‘swashbuckling intellectual Right’ and the more family-focused and Blue-Labour-tinged segments of the Left.

At the centre of it all are Simone and Malcolm Collins, two 30-something American entrepreneurs turned philosophers – and parents – who say they are only the most outspoken proponents of a belief that many prefer to keep private. In 2021 they founded a ‘non-denominational’ campaign group called Pronatalist.org, under the umbrella of their non-profit Pragmatist Foundation. Buoyed by a $482,000 (£385,000) donation from Jaan Tallinn, an Estonian tech billionaire who funds many rationalist and EA organisations, it is now lobbying governments, meeting business leaders, and seeking partnerships with reprotech companies and fertility clinics.

The Collinses did not coin the word ‘pronatalism’, which has long been used (along with ‘natalism’) to describe government policies aimed at increasing birth rates, or mainstream pro-birth positions such as that of the Catholic Church. Its opposite is ‘anti-natalism’, the idea that it is wrong to bring a new person into the world if they are unlikely to have a good life. Lyman Stone, a natalist demographer and research fellow at the US’s Institute for Family Studies, has described the Collinses’ philosophy as ‘a very unusual subculture’ compared to millions of everyday natalists. Yet it is their version – a secular, paradoxically unorthodox reconstruction of arguably the most traditional view on earth, driven by alarm about a looming population catastrophe – that is prospering among the tech elite.

‘I don’t think it’s appealing to [just] Silicon Valley people,’ Malcolm tells me on a long call from his home in Pennsylvania. ‘It’s more like, anyone who is familiar with modern science and familiar with the statistics is aware that this is an issue, and they are focused on it. The reason why you see Silicon Valley people disproportionately being drawn to this is they’re obsessed with data enough, and wealthy enough, to be looking at things – and who also have enough wealth and power that they’re not afraid of being cancelled.’

The Collinses - Winnie Au
The Collinses – Winnie Au

The problem, he concedes, is that falling birth rates are also a common preoccupation of neo-Nazis and other ethno-nationalists, who believe they are being outbred and ‘replaced’ by other races. ‘A lot of alleged concerns about fertility decline are really poorly masked racist ideas about what kinds of people they want on the planet,’ says demographer Bernice Kuang of the UK’s Centre for Population Change.

The Collinses strongly disavow racism and reject the idea that any country’s population should be homogenous. Still, Babu finds that many in the rationalist and EA community, which skews pale and male, are wary of exploring pronatalism – lest they be ‘tarred with the brush of another white man who just wants an Aryan trad-wife’.

Another issue is what you might call the Handmaid’s Tale problem. From Nazi Germany’s motherhood medals to the sprawling brood of infamous, Kansas-based ‘God hates fags’ preacher Fred Phelps, a zeal for large families has often been accompanied by patriarchal gender politics. For liberal Westerners, the idea that we need to have more babies – ‘we’ being a loaded pronoun when not all of us would actually bear them – may conjure images of Margaret Atwood’s Gilead.

Some more illiberal countries are already shifting in this direction. China has begun restricting abortions after decades of forcing them on anyone who already had one child. Russia has revived a Soviet medal for women with 10 or more children. Hungary, where fertility long ago dropped below 2.1 births per year per woman – the ‘replacement rate’ necessary to sustain a population without immigration – has tightened abortion law while offering new tax breaks and incentives for motherhood. Following the end of Roe v Wade in the US, Texas has proposed tax cuts for each additional child, but only if they are born to or adopted by a married heterosexual couple who have never divorced.

But the Collinses contend that this kind of future is exactly what they are trying to prevent. ‘People often compare our group to Handmaid’s Tale-like thinking,’ says Malcolm, ‘and I’m like: excuse me, do you know what happens if we, the voluntary movement, fails…? Cultures will eventually find a way to fix this; how horrifying those mechanisms are depends on whether or not our group finds an ethical way.’ Though they define themselves politically as conservatives – Malcolm invariably votes Republican – they claim to favour LGBT rights and abortion rights and oppose any attempt to pressure those who don’t want children into parenthood.

Instead, they say, their hope is to preserve a ‘diverse’ range of cultures that might otherwise begin to die out within the next 75 to 100 years. They want to build a movement that can support people of all colours and creeds who already want to have large families, but are stymied by society – so that ‘some iteration of something that looks like modern Western civilisation’ can be saved.

‘We are on the Titanic right now,’ says Malcolm. ‘The Titanic is going to hit the iceberg. There is no way around it at this point. Our goal is not to prevent the Titanic from hitting the iceberg; it’s to ready the life rafts.’

It was on the couple’s second date, sitting on a rooftop and gazing out at the nearby woods, that Malcolm first raised the prospect of children. Simone’s response was not enthusiastic.

‘I was very excited to spend my life alone, to never get married, to never have kids,’ she recalls. ‘People would be like, “Do you want to hold the baby?” I was one of those who’s like, “No, you keep it. I will watch that baby from behind glass and be a lot more comfortable.”’

As she says this, her five-month-old daughter Titan Invictus – the couple refuse to give girls feminine names, citing research suggesting they will be taken less seriously – is strapped to her chest, occasionally burbling, while Malcolm has charge of their two sons Torsten, two, and Octavian, three. They live in the leafy suburbs of Philadelphia, balancing parenthood with full-time jobs as co-chief-executives of a travel company, writing books about pronatalism, and their non-profit projects (to which they donated 44 per cent of their post-tax income last year). They project an image of accentuated preppiness, dressing in ultra-crisp country club, business casual when photographers visit, and are effusive and open to the press. Malcolm starts our interview by saying, ‘Absolutely spectacular to meet you!’

The Collins family - Winnie Au
The Collins family – Winnie Au

Both dealt with adversity in their own youths. Malcolm, 36, was held by court order in a centre for ‘troubled’ teenagers, where he was told by staff that if he resisted they would simply invent new infractions to keep him locked up. Simone, 35, now needs hormone therapy to menstruate regularly and IVF to conceive a child due to years of anorexia.

Back then, Simone was a textbook anti-natalist. She grew up as the only child of a failed polyamorous marriage among California hippies, where her understanding of a wedding was ‘everyone puts on masks in the forest and there’s a naked sweat lodge’. She was also a ‘mistake baby’, who watched her mother struggle with shelving her career ambitions.

What changed Simone’s mind was not any kind of Stepfordian conversion but a simple promise from Malcolm that she would not have to surrender her career. So it proved. She took no time off during Octavian’s gestation, answered business calls while in labour, and returned to the office five days after his birth. She stays with each child continuously for their first six months, carrying them in a chest harness while working at a treadmill desk, after which Malcolm handles the bulk of child-raising. She finds she gets a productivity bump with each newborn – ‘You’re up every three hours anyway, so why not knock off some emails?’

These personal epiphanies might not have translated into political ones except for Malcolm’s stint as a venture capitalist in South Korea, where the fertility rate is the lowest in the world at 0.8. He was shocked that nobody seemed to regard this as an emergency.

‘If this was an animal species it would be called endangered,’ says Malcolm. ‘We would be freaking out that they are about to go extinct.’ He begins our interview by speaking without interruption for nearly half an hour, incredibly quickly and with frenetic intensity as if chased by the enormity of what is coming.

Virtually every developed nation is now below replacement rate, and the United Nations predicts that the global average will sink below that line around 2056. By 2100 only seven countries are projected to remain above 2.1, mostly in sub-Saharan Africa, meaning developed nations won’t be able to rely on immigration to keep growing.

The impact on actual population will be delayed by decades and hopefully offset by increasing life expectancy, so our species will probably grow through most of the 21st century before holding steady or starting to shrink (estimates vary).

Most demographers do not consider this a crisis, according to Bernice Kuang. ‘In pop culture, there’s so much really alarmist talk about fertility and population implosion, and that just doesn’t really come up in the same way in academia,’ she says, noting that we cannot predict the long-term impact of future ‘reprotech’. Many experts also see overall population decline as a good thing, arguing that it will help prevent or mitigate climate change and other problems.

But pronatalists argue that problems will manifest long before this, as working-age people begin to be outnumbered by older ones. The global economy is predicated on the assumption of continual growth in GDP, which is strongly linked to population growth. ‘If people assume that the economy is going to shrink in future, and shrink indefinitely, then it’s not just a recession – it’s like there’s no point investing in the future,’ says Babu, who defines her politics as economically liberal, feminist, and pro-immigration. ‘If that happens, your pension breaks down because your pension is gambled on the stock market. You withdraw your savings; the government can’t borrow. A lot of these structures just break down.’

Aria Babu - Aria Babu
Aria Babu – Aria Babu

Take the UK’s current economic doldrums and broken public services, which Babu blames partly on the combination of Britain’s ageing population and the flight of younger immigrants after Brexit. What happens when populations everywhere are ageing or shrinking? One omen is Japan, which is ageing faster than any other nation. A Yale professor called Yusuke Narita, who has become an icon among angry young people, has proposed ‘mass suicide and mass seppuku [ritual disembowelment] of the elderly’ as ‘the only solution’, although he later said that this was merely ‘an abstract metaphor’.

For the Collinses, all of this is only part of the crisis, because the fertility of different cultural groups is not declining uniformly. Research by Pronatalist.org found that higher birth rates are associated with what some psychologists call the ‘Right-wing authoritarian personality’ – or, as Malcolm puts it, ‘an intrinsic dislike and distrust of anybody who is not like them’. That is, says Malcolm, emphatically not his or Simone’s brand of conservatism, which welcomes immigration and wants a pluralistic, multicultural society in which all groups are free to raise their children in their own way of life. By contrast, progressives and environmentalists have fewer children on average, not least because of a widespread despair about climate change among millennials and Gen Z.

There is also emerging evidence that the personality traits thought to undergird political beliefs – such as empathy, risk-taking, and a preference for competition vs cooperation – may be partly inherited. A literature review by New York University and the University of Wisconsin found evidence that political ideology is about 40 per cent genetic. Hence, the Collinses fear that as fertility declines it will not be some racial Other who outbreeds everyone else but each culture’s equivalent of the neo-Nazis. ‘We are literally heading towards global Nazism, but they all hate each other!’ says Malcolm.

What is to be done? ‘Our solution is, uh, we don’t have a solution,’ he admits. He says the only things proven to increase birth rates are poverty and the oppression of women, which are bad and should be stamped out. The only hope is to find those few families that combine liberal, pluralistic politics, such as support for LGBT rights, with high fertility – or create new, hybrid micro-cultures that value both – and help them multiply.

That means creating new educational and childcare institutions, supporting alternative family structures (the nuclear family is historically very unusual, and struggles to support large broods), repealing red tape such as sperm- and egg-freezing regulations, and cutting the cost of fertility treatments.

‘We’re trying to rebuild the high-trust networks that existed before the industrial revolution,’ says Pronatalist.org’s 20-year-old executive director Lillian Tara. ‘Raising children takes a village, and we’re trying to create that village.’ It also means resisting any attempt by what Malcolm calls the ‘woke mind virus’ to assimilate their children into a progressive monoculture.

This is where technology comes in. ‘Many of the groups that we are concerned about disappearing – gay couple couples, lesbian couples – from a traditional organs-bumping-together standpoint, can’t have kids… that are genetically both of theirs,’ says Simone. ‘That certainly dissuades some people from having kids entirely.’ A still-nascent technique called in vitro gametogenesis (IVG), which grows eggs and sperm directly from stem cells, could change this. Cheaper egg freezing and IVF could lighten the trade-off between career and motherhood for women.

Then there are those who struggle with inheritable problems such as depression and schizophrenia. Diana Fleischman says she knows many ‘wonderful people’ who are leery about having children for this reason. Such problems could be mitigated by genetic screening and embryo selection. Titan was born through just such a process, the Collinses tell me, winning out over other embryos that had higher estimated risks of traits such as obesity, migraines and anxiety.

The idea of using birth rates to influence future politics is one many will find alarming. It echoes the American ‘Quiverfull’ movement, which dictates that Christians should breed profusely so that over time society will be stuffed full of good believers.

Malcolm is blunt that some techies are trying to do just that. ‘Silicon Valley people, they’ve done the math, and they actually do want to replace the world with their children,’ he says. ‘They’re like, “Oh yeah, I have eight kids, and if those kids have eight kids, and those kids have eight kids, then at the end my kids will make up the majority of the world’s population… I understand these people’s mindset. They’ve been economically successful… they think they’re better than other people.’ (Musk, he insists, is not of this persuasion.)

Fleischman says she has encountered this too: ‘A lot of this is secret, because it’s just not socially acceptable to say, “I’m going to use my wealth to make as many half-copies of myself as possible. I’m going to photocopy myself into the future.”’

While Musk has been open about his pronatalist beliefs, others are staying quiet to maximise their chance of victory, notes Malcolm. ‘They’re like, “Why are you broadcasting this? We all know this, we can fix this on our own, we don’t need the diversity that you seem pathologically obsessed with”… they’re the people you’re not hearing from.’ Musk did not respond to a request to be interviewed.

If people don’t have more children, civilisation is going to crumble. Mark my words,’ Musk told a business summit in December 2021 - (Apex MediaWire Photo by Trevor Cokley/U.S. Air Force
If people don’t have more children, civilisation is going to crumble. Mark my words,’ Musk told a business summit in December 2021 – (Apex MediaWire Photo by Trevor Cokley/U.S. Air Force

The Collinses aren’t worried about this, because they think it is doomed to fail. They want to build a durable family culture that their descendants will actually want to be part of, not just ‘spam their genes’, and to help other families with different values do the same. ‘You have an 18-year sales pitch to your kids… and if you fail, well f—k you – your kid’s gonna leave,’ says Simone. ‘The people who carry forward their culture and viewpoints are going to be people who love being parents.’

Even so, this project inherently requires making some judgment on which cultures should prosper in future – and therefore, potentially, which genomes. That rings alarm bells for Emile Torres, a philosopher who studies the history of eugenics and its counterpart, dysgenics – the notion that humanity’s gene pool is slowly becoming somehow worse.

‘Dire warnings of an impending dysgenic catastrophe go back to the latter 19th century, when this idea of degeneration became really widespread in the wake of Darwin,’ Torres says. ‘Biologists were warning that degeneration is imminent, and we need to take seriously the fact that intellectually “less capable” individuals are outbreeding.’ Often this meant poor people, disabled people, non-white people, or other groups lacking the political power to contest their designation as inferior, leading to atrocities such as the Nazi sterilisation regime.

The Collinses – despite using embryo selection – say they reject that kind of eugenics, and Malcolm pours scorn on the ‘pseudoscience’ idea that intelligence or political personality traits differ meaningfully between ethnicities. Rather, he argues that they cluster in much smaller cultural groups such as families or like-minded subcultures. When screening their own embryos, the Collinses did not worry about traits such as autism or ADHD. ‘We don’t think humanity can be perfected, we just want to give our kids the best possible roll of the dice,’ says Simone, who herself is autistic and Jewish.

Still, Torres argues that voluntary, ‘liberal’ eugenics can end up having the same effect as the coercive kind by reinforcing whatever traits are seen as desirable by the prevailing ideology, such as lighter skin, mathematical reasoning or competitiveness. Lyman Stone’s verdict last year was scathing: ‘My policy goal is for people to have the kids they want, but these “pronatalists” would abhor that outcome because it would yield higher fertility rates for people they think shouldn’t breed so much.’

Malcolm says he shares those concerns, which is why he is committed to being almost totally agnostic about which families Pronatalist.org works with. ‘If we act as anything other than a beacon, then we are applying our beliefs about the world to the people we recruit, which goes against our value set,’ he says.

The Collins family - Winnie Au
The Collins family – Winnie Au

To sceptics, pronatalism’s appeal in Silicon Valley may simply look like the latest messianic project for a community already convinced that they are the best people to colonise space, conquer death and fix the world’s problems. Yet it speaks to a sense of disquiet that is widely shared. You do not need to fear dysgenic doom to feel that something is fundamentally broken about the way we have and raise children – as many recent or aspiring parents are already aware.

‘In almost every low-fertility country, no one is able to have the number of children they want to have. Even in South Korea, people still want to have two children; they don’t want to have 0.8,’ says Kuang. But far from being an inevitable consequence of progress, she contends that it stems from specific choices we force on to families.

‘The first half of the gender revolution was women attaining educational attainment at parity with men, entering the workforce at parity with men,’ she continues. But the second half remains unfinished, leaving many women caught between mutually incompatible expectations at work versus at home – the classic ‘have it all’ problem. In South Korea, where the new president (a man) has declared that structural sexism is ‘a thing of the past’, a government pamphlet advised expecting mothers to prepare frozen meals for their husbands before giving birth and tie up their hair ‘so that you don’t look dishevelled’ in hospital. ‘Wow, you wonder why women aren’t rushing to sign up for that kind of life?’ laughs Kuang.

Partly of the problem is that middle-class parents are now expected to micromanage their children’s upbringings more intensely than ever before. ‘It seems like in the past six- and seven-year-olds were just allowed to be feral… now it would basically be considered abuse to leave your child alone all day,’ says Babu.

Then there is the cost of housing. ‘How are you going to have two children, even if you desperately wanted to, if you can barely afford a one-bedroom apartment?’ asks Kuang, who would love to have three or four kids if only she could square the mortgage. Babu likewise says becoming a parent would be an easy choice if she knew she could still have a high-flying career and make enough money for a decent home. As it is, she’s torn.

Kuang concedes that no government has yet fixed these problems, but she does believe they are fixable. Although cash bonuses, lump sum payments and restricting abortion have all proven ineffective, she says, robust parental leave for all genders could make a difference. So could high-quality, affordable childcare that is available in adequate supply, and begins as soon as parents need to go back to work.

In the meantime, the Collinses hope to have at least four more babies, unless they are thwarted by complications from repeated C-sections. ‘When I look into the eyes of our children,’ says Simone, ‘and I see all the potential they have… and I think about a world in which they didn’t exist because we thought it was inconvenient? I’m like, I can’t. I can’t not try to have more kids.’

Are Tiny Homes Worth It? 21 Reasons Why They’re a Huge Mistake

Go Banking Rates

Are Tiny Homes Worth It? 21 Reasons Why They’re a Huge Mistake

Daria Uhlig – April 19, 2023

©iStock.com
©iStock.com

All the hype surrounding TV shows like “Tiny House, Big Living” and “Tiny House Nation” have piqued the interest of people looking for a financially and environmentally sustainable lifestyle. But what looks good on reality TV can be much less appealing in real life — especially if you have children.

A home is generally considered tiny if it’s less than 600 square feet. However, the average tiny home is much smaller — just 225 square feet, according to a 2021 survey by Porch Research.

Before making a huge mistake, you should do your research and learn the true cost of getting a tiny house.

©Shutterstock.com
©Shutterstock.com
Types of Tiny Homes

Tiny homes come in several varieties. At the higher end are traditional stick-built or modular homes constructed on permanent foundations. A more common style is built on a mobile trailer using conventional construction materials. It’s also possible to convert a shed or storage container into a tiny house by using the structure as the home’s shell.

But no matter how you construct your tiny home, you might encounter the same problems with it — so, keep reading to see why you should think twice before springing for that purchase.

Take Our Poll: Are You Concerned About the Safety of Your Money in Your Bank Accounts?

©Shutterstock.com
©Shutterstock.com
1. Tiny Homes Are a Fad, Not a Trend

The difference between a trend and a fad is staying power. Trends endure and evolve, whereas fads are met with wild enthusiasm for a short time, but then they fizzle.

The tiny-home movement might’ve sprung from the trend toward minimalism and experiential lifestyles, but many proponents dive in without considering the significant challenges inherent in living in a tiny space — suggesting that tiny homes are a fad, not a trend.

©Shutterstock.com
©Shutterstock.com
2. Tiny Homes Are Expensive

The small size of tiny homes doesn’t make them much cheaper to build — in fact, the typical tiny house costs more per square foot than larger houses do, in part because larger construction jobs make for more efficient use of resources.

The average 2,600-square-foot home costs about $190 per square foot to build, according to Fixr, whereas the best-selling home constructed by Tumbleweed Tiny House Company — one of the best-known tiny-house builders in America — costs about $326 per square foot.

©Shutterstock.com
©Shutterstock.com
3. It Might Be a Home, but It’s Probably Not a House

Many tiny homes are built on trailers, which makes them recreational vehicles. In fact, the Tumbleweed Tiny House Company calls its products “tiny house RVs” and builds its homes according to the Recreational Vehicle Industry Association certification standards. By Tumbleweed Tiny House Company’s own definition, its products are RVs, not houses.

Housing Market 2023: Is a Double-Digit Drop in Prices Coming?

©Shutterstock.com
©Shutterstock.com
4. Houses — Even Tiny Ones — Must Be Built to Code

Tiny homes built on foundations typically must meet the same code requirements as any other house, but the cost might be disproportionate — and even prohibitive — if you’re working with a bare-bones budget. You might have to prepare the land for construction, pull permits, order inspections and pay to bring utility service to the site.

RyanJLane / Getty Images
RyanJLane / Getty Images
5. Many Tiny-Home Owners Aren’t Tiny-Home Dwellers

Owners of tiny homes don’t necessarily live in their houses full time. Often, these owners use their homes as vacation getaways or trade up for larger homes. The challenges that come with living in a tiny home aren’t so challenging if you’re only there for a few nights per year.

kate_sept2004 / Getty Images
kate_sept2004 / Getty Images
6. Millennials Might Regret Their Home Purchase

According to the “Real Estate Witch 2023 Millennial Home Buyer Survey,” Millennials’ biggest homebuying regret is paying too much interest (22%), which could make a case for going tiny. But almost as many (18%) regret not anticipating future needs — a regret that’s likely much more prevalent among tiny-home buyers.

Read: Dave Ramsey’s 7 Tips for Paying Off a Mortgage Faster

kate_sept2004 / Getty Images
kate_sept2004 / Getty Images
7. There’s No Space To Expand Your Family

A tiny home that works for individuals might not work for couples. And what works for a couple might not accommodate a baby and the supplies that come along with having one. Even bringing a pet into the mix can overcrowd your tiny space.

©Shutterstock.com
©Shutterstock.com
8. Tiny Homes Limit Where You Can Live

While some cities have loosened zoning restrictions to accommodate tiny homes, most cities don’t allow tiny homes on wheels to be parked in residential yards or used as permanent residences without the appropriate permits. You’ll have to research local codes and ordinances before you make any decisions, or park your tiny home in an RV park or other designated area.

©Shutterstock.com
©Shutterstock.com
9. It’s a Tough Lifestyle

Tiny living takes a lot of work. You’ll have to go grocery shopping more often, pick up mail from a post office box and do frequent small loads of laundry in a compact washing machine. You might also have to empty out a composting toilet, climb in and out of a sleeping loft and grapple with multifunction furniture that needs to be opened or closed — or folded and unfolded — every time you use it.

I’m a Self-Made Millionaire: These Are the 6 Investments Everyone Should Make During an Economic Downturn

©Shutterstock.com
©Shutterstock.com
10. Tiny Living Isn’t Always Functional

Tiny living looks like a simple lifestyle at first glance, but it can actually be rather chaotic. Tiny houses often have low ceilings and tight transition spaces that require residents to constantly duck and squeeze as they navigate their surroundings, prepare meals, take showers and climb into bed. Even eating takeout becomes a chore when you lack adequate dining space.

AleksandarNakic / iStock.com
AleksandarNakic / iStock.com
11. The Cramped Space Wears On Your Mental Health

An overcrowded home has been linked to increased stress and anxiety in families, likely due to lack of privacy and disrupted sleep. Children might also find it difficult to locate a quiet place to read or complete schoolwork in such close quarters.

©Shutterstock.com
©Shutterstock.com
12. Parking Your Tiny Home Isn’t Free

Unless you’re allowed to park your tiny home in someone’s backyard, you’ll have to find a place to put it — and that costs money. You can purchase land if you have enough savings or lease a lot — perhaps in an RV park or manufactured home community — for a fixed price per month.

$2,000 Quarter? Check Your Pockets Before You Use This 2004 Coin

©Shutterstock.com
©Shutterstock.com
13. There’s a Limit to How Small You Can Go

Even if zoning laws allow you to build or park a tiny home, you’re not necessarily out of the woods. Those laws might also mandate the minimum size of the lot that your home sits on — typically 1,000 square feet. Considering that lots cost anywhere from about $6 per square foot in Mississippi to over $110 per square foot in Hawaii, according to Angi, lot requirements could interfere with your dreams of constructing your home on a small budget.

©Shutterstock.com
©Shutterstock.com
14. A Tiny Home Might Not Be Legal in Your City

State and local governments have their own building codes for homes built on permanent foundations. Permanent tiny homes often don’t meet those standards, so you’ll need to check the tiny-house ordinances for the specific city you’re living in.

©Shutterstock.com
©Shutterstock.com
15. Tiny Homes Are a Bad Investment

A tiny home built on a trailer isn’t real estate, even if you own the land that it’s parked on. Tiny homes on wheels are personal property, and like other personal property — such as cars and RVs — they depreciate over time. Real estate, on the other hand, usually appreciates over time.

Find: 5 Expensive Renovations Homeowners Always Regret

©Shutterstock.com
©Shutterstock.com
16. You Might Get Stuck With It

In the event that you want or need to sell your tiny home, finding a buyer won’t be easy. Tiny homeownership has more barriers to entry than traditional homeownership — there simply aren’t as many people willing to live in 400 or fewer square feet.

©Shutterstock.com
©Shutterstock.com
17. RVs Are Less Complicated

Unlike tiny homes — which require utility hookups unless they’re made for off-the-grid living — RVs are designed to be self-contained, so they have their own water and power supplies, plus a septic tank to hold waste. Also, RVs are usually lighter and more aerodynamic than tiny homes, so they’re safer and easier to tow.

©Shutterstock.com
©Shutterstock.com
18. Tiny Appliances Can Have Big Costs

From built-in vacuum systems that clean up pet hair to rainwater recycling systems to rotation devices that keep tiny homes facing the sun to maximize energy efficiency, construction trends can drive the cost of your tiny home way up.

Also: 5 Kitchen Appliances That Just Aren’t Worth the Money

Georgijevic / Getty Images
Georgijevic / Getty Images
19. Financing Can Be Difficult

Unless your tiny home meets zoning and building code standards and is built on a permanent foundation, it won’t qualify for traditional mortgage financing. You’ll need alternative financing, such as an RV loan, a personal loan or a credit card, which can have higher interest rates and might require a better credit score than a mortgage loan.

For example, you can get RV financing from Good Sam with a credit score of 600, but you’ll pay an exorbitant annual percentage rate of 19.95% as of March 24 — more than triple the average rate for a 30-year fixed-rate mortgage. The minimum credit score jumps to 640 for loans of $50,000 or more, and rates are still double the average mortgage rate.

©Shutterstock.com
©Shutterstock.com
20. Tiny Homes Typically Cost More Than RVs

Construction prices for a completed tiny house average $45,000, according to HomeAdvisor. For about the same price, you can get a 902-square-foot mobile home with three bedrooms and two bathrooms, according to Mobile Homes Direct 4 Less.

©Shutterstock.com
©Shutterstock.com
21. There Are Better Ways To Be a Minimalist

There’s a lot to be said for living simply and within your means. You can adopt that lifestyle now by selling extra belongings, vowing not to buy any more unnecessary items or even downsizing to a smaller — but not tiny — home. You’ll have a chance to build equity in your property instead of investing thousands into a potential fad that won’t appreciate.