#wildfire marketing solutions

[allthingsdarkanddirty]

TEASER BLAST

We are excited to share a teaser from THEY SAY HE FLIES AT NIGHT by @amymatayo.author is releasing 10/3!

#PreOrderHere: https://amzn.to/42ovX8F

Everyone in Silver Bell, Arkansas has heard of Walter Lorry. Rumors have been circulating about the strange old man around town for years. He’s weird. Stooped and odd looking. Always keeps to himself and never speaks to anyone. At one time, he had a wife and kid, but no one has seen them in forever. Then there’s the matter of him sleeping on his front porch every night when there’s a perfectly good bed inside his house. Who in their right mind would do that?

But even the people of Silver Bell have to admit that Walter Lorry has beautiful penmanship—calligraphy so swirly and intricate you’ve never seen anything like it. They say dignitaries requested his work at some point in history. They say his work even hangs in museums around the world. They say he has money buried somewhere, maybe even next to his murdered family. They say a lot of things about Mr. Walter Lorry, it’s just that no one knows which things are true.

And which things are lies.

Leave it to Piper Moore—a newcomer who’s engaged to the son of town’s most prominent business owner—to find out. She’s heard the rumors, she’s seen his handwriting, and she wants Mr. Lorry to design one-of-a-kind wedding invitations just for her. After all, she’s used to getting her way, and she reasons that if his work was once good enough for Hollywood, then it’s good enough for her. Which is exactly what drives her to knock on his door, march inside the old man’s antique store, and convince him to do it.

She doesn’t expect his answer.

She isn’t prepared for his story to change everything she believes about love.

And she certainly wasn’t ready to learn all the reasons you should never, ever believe in small-town legends.

Influencers sign up here: https://forms.gle/axuFbGXtB7FGRkus8

[mariacallous]

Climate change and its related disasters have brought a new set of risks to homeowners, renters and the value of property—but also a chance for change. The multiple challenges posed by these disasters offer an opportunity to reevaluate our housing policy, especially concerning making traditional housing markets more effective and inclusive.

Among the many sectors and industries requiring climate solutions, stable and affordable housing is critical to developing disaster resilient communities. Despite the need to prepare for a climate-changed future, structural reform in the housing sector is an underused tool for helping communities develop ways to better endure disasters. This is particularly true in the many Black-majority neighborhoods that are more vulnerable to disaster impacts.

Housing issues often amplify the impacts of a disaster on Black communities

Black communities, which are often more vulnerable when floods, fires or disasters occur, often bear the brunt of climate impacts due, in no small part, to poor quality housing and community infrastructure. Yet, many of these same communities have limited control over local housing decisions, exacerbating their vulnerability.

These neighborhoods, often situated in historically devalued areas with poorer quality infrastructure in which homeowners have fewer resources to draw on, face unique challenges when disasters occur. As the damage from floods, storms, and wildfires becomes more severe, the economic security of homeowners in the most disaster-prone areas is threatened by rising insurance premiums in addition to damage to assets and a reduction in home equity, which all eat away at a family’s wealth. Homeowners in cities like Charleston, for example, are likely to face hefty costs to stay dry, such as the expense of raising foundations.

In the most at-risk areas, like low-lying coastal plains threatened by sea level rise, climate-related disasters are undermining the viability of entire neighborhoods. That impact is sometimes increased by city councils that are reluctant to invest in adaptations to the built environment — buildings, design codes and other human-made conditions — that could lower the threat posed by a disaster.

But housing quality can also indirectly amplify the impacts of disasters. Poorly insulated housing, for example, can increase the cost of heating and cooling during temperature extremes and raise healthcare costs when, for example, residents expose themselves to health risk to avoid a high AC bill.

Community-led solutions can help reduce impacts of disasters

Giving residents a voice in housing development processes and decisions can jump-start local efforts to mitigate the effect of climate disasters. Initiatives like Struggle for Miami’s Affordable and Sustainable Housing and the Jane Place Neighborhood Sustainability Initiative exemplify how community-driven approaches can bolster housing resilience and protect vulnerable populations. SMASH, located in Miami-Dade County, uses community land trusts to give residents an opportunity to have more control over their neighborhood. Recognizing that those who experience housing challenges are often best placed to lead the efforts to fix them, SMASH helps residents to weatherize their properties against climate extremes and works with property owners and local governments to stop evictions during disasters.

JPNSI, operating in some of the most disaster-prone areas of New Orleans, advocates for policy change to better protect renters’ rights after a disaster strikes. By building coalitions of local Black, Latino, women, youth, elderly residents— some of the most vulnerable groups across the city — JPNSI has succeeded in changing local regulations. These changes address two of the largest sources of insecurity before, during, and after climate-related disasters: a disproportionate number of short-term rentals and high rates of eviction.

What these initiatives share is the use of community-led action that, by addressing housing inequities, helps lessen a community’s vulnerability to disaster.

The urgency of addressing disaster-induced housing insecurity:

As temperatures rise, intensifying the frequency and severity of climate-related disasters, housing insecurity is likely to escalate the most for households and communities where housing is already precarious. From 2019 to 2023, there were 102 separate billion-dollar climate-related disasters, at an average cost of $122.5 billion per year. Disasters amplify displacement, highlighting the urgent need for proactive measures to safeguard housing stability.

In the most exposed places, like Miami-Dade County, Florida, climate-related displacement is one of the largest threats to Black communities. Census data indicates that roughly 3.1 million adults were displaced by disasters in 2022, 1 million of whom came from Florida, displaced by Hurricanes Ian and Nicole. In the Miami-Fort Lauderdale-Pompano Beach metro area, 39.6% of the displaced population was Black, far exceeding the proportion of Black residents in the area at 19%, and higher than the percentage of displaced Latino residents (37.8%) and white residents (18.8%).

Without structural reforms, disasters could exacerbate housing affordability issues, pricing residents out of ‘safer’ areas, and further marginalizing Black households. In high elevation neighborhoods, such as Little Haiti in Miami, where a luxury real estate development is already planned, residents fear that they will be pushed out. There is a growing concern that cities could see a new form of displacement, “climate gentrification.” The controversial term, used by some researchers, describes what occurs when residents of relatively wealthy communities, finding their higher valued neighborhoods becoming unlivable due to events such as sea-level rise, begin buying-up property viewed as less at-risk, driving up costs and pricing out the original residents.

These challenges demonstrate that structural reform in the housing sector is a linchpin to supporting residents of Black neighborhoods to strengthen their communities. By reframing housing as a vehicle for social equity, we can reduce the adverse impacts of climate-related disasters and empower marginalized communities.

Investing in community-led disaster resilience

By integrating housing reform into broader disaster preparedness strategies, we can build resilient neighborhoods from the ground up, ensuring the preservation of Black communities’ integrity and vitality. Initiatives like those led by SMASH and JPNSI, still nascent across most of the U.S., are demonstrating the potential of structural reforms in the housing sector to reduce vulnerability to disasters, protect communities from mounting costs and diminish the threat of disaster-related displacement.

[naturalswimmingspirit]

roz.j.johnson

Best parts of a spur-of-the-moment trip to Maui, Hawai’i👇 . 🏝️ Finding hidden gems just off the beaten path. @nickdonmoyer and I are both into using gaiamaps to find hidden gems 💎 with fewer folks. These ones did not disappoint, especially the dip in crystal clear waters ��‍♀️. . 🏄‍♀️ Never being short on adventure. From hidden waterfalls to surfing to hiking and snorkeling we didn’t sit still for long! We did manage to sneak in some surfing but next time I’d like to do more. Rentals are cheap and the water is so 👌. . 🏠 Randomly finding the best places to stay!!@haleakula was an awesome little farm and retreat with the best wholesome vibe 🐓 🌴 . The @howzithostel was clean and comfy and be fantastic if solo travelling. Plus they have a mango tree out back that’s bountiful 🥭 . . 🥑 Indulging in the local fare. We picked up so many beautiful fruits at roadside farm stands, fresh local fish at the market and coconuts galore. Because we had kitchens where we were staying, we cooked for ourselves, saved money and ate local. . 🔥 Although the devastation in Lahaina is evident from the wildfire earlier this year, the recovery seems to be on track for post-catastrophic fire. From our experience, the island community is more than happy to continue to welcome tourism though housing of those displaced seems to be the biggest issue. An issue that seems to have a solution right next door in all the massive resorts but evidently is not what’s going on. Lahaina has a long way to go to rebuild, as do many communities devastated by wildfire and my heart goes out to them. . 💦 Even though November is thier slow season with cooler temps and rain, it only added to the experience. Our first few days were windy and showery but Maui is currently in extreme to moderate drought conditions so the rain was a welcomed sight. . I never thought I would be someone to head to such an international destination and love it so thoroughly but I have to admit, Hawai’i is incredible. If you are feeling you need a reset before winter, DO IT 🧳 You won’t regret it.

[rjzimmerman]

Excerpt from this story from Grist:

n northwestern Montana’s Swan Valley, a pile of about 100 small logs, 10 feet long or so, sits neatly stacked, ringed by berry bushes, a few white wildflowers, and towering larch trees. Surrounding the logs are several acres of U.S. Forest Service land, which was thinned of dead, downed, and dense understory trees last year to reduce wildfire risk. The log pile that remains is too small to be processed into lumber, plus the sawmill just down the highway recently closed. So the wood may get sent to a pulp mill, if the price is right. Or it may sit in the forest for years. Smaller limbs may be burned in a prescribed fire. But Ning Zeng, a climate scientist at the University of Maryland, is sizing up the pile, too. He sees another solution: burying the logs, and all the planet-heating gases they’d otherwise release, underground.  

That’s the idea of a carbon sequestration technique called wood vaulting. Forests throughout much of the western U.S. are overgrown, full of tangled trees and brush that’s primed to burn. The Forest Service’s wildfire crisis strategy calls for removing excess vegetation on up to 50 million more acres of federal, state, tribal, and private lands by 2032. Scientists and climate tech companies alike say wood vaulting could help store some of the carbon dioxide equivalent, in the form of flammable vegetation, that the Forest Service must deal with in the coming years — an estimated 2.2 billion metric tons. That’s roughly as much CO2 as cement production worldwide emitted in 2016, and as much as forests globally removed from the atmosphere last year. 

“There’s more wood in the forest than markets for it to go,” said research forester Nate Anderson, who studies product supply chains for the Forest Service’s Rocky Mountain Research Station in Missoula. Valuing the carbon stored in wood vaults could change that. 

[thoughtlessarse]

Portugal is the world’s leading producer of cork. In 2023, cork exports achieved a record value of €1.2 billion, 75 percent of which came from cork stoppers, according to APCOR, the Portuguese association of cork producers. The Amorim Group, Portugal's leading cork company, claims that around one out of three wine bottles worldwide is sealed with a cork stopper made in Portugal. About 20 years ago, significant concerns emerged that cork might lose market share to synthetic alternatives, which were less expensive and carried no risk of spoiling the wine with 'cork taint'. -However, the industry has succeeded in removing those substances that could harm the wine, including the molecule trichloroanisole (TCA), responsible for the cork taint. Nowadays, cork has a competitive edge over materials like plastic due to its sustainable properties. […] Cork forests are threatened by global warming However, rising temperatures threaten the survival of these trees. Careful forest management mitigates the risk of wildfires. "These agroforestry systems are managed in such a way that, with small shrubs and patchy areas where herbs and shrubs grow alongside livestock, the amount of vegetation that can burn is significantly reduced," explains Conceição de Silva, secretary general of the Union of Mediterranean Forests, which represents forest landowners in Portugal. But extreme heat brings other dangers too. "Plagues and diseases benefit from climate change. They are fighting back very strongly, and there are currently no solutions to diminish these threats. In some areas, trees are dying."

continue reading

[dreaminginthedeepsouth]

* * * * *

The climate crisis requires a wartime footing

Camilla Cavendish: “I wish,” a longstanding US Democrat and environmentalist said to me recently, “that we’d never politicised global warming.” Even as extreme heat is demonstrating that no country will be immune from climate change, the politics are becoming more treacherous. Parts of the right are mobilising to slow down the path to net zero, as inflation bites and the fossil fuel industry comes under pressure. In the US, Ron DeSantis has rejected “the politicisation of the weather” — despite having had to grapple with the effects of its extremes in Florida — and House Republicans are lobbying to overturn a tax on methane pollution within the Inflation Reduction Act. In Britain, Conservatives who fear annihilation at the next election have decided to use green policies as a wedge against Labour. Even Canada’s premier, Justin Trudeau, is struggling to deliver what was a radical plan on decarbonisation.

I have the eerie sense that some of the old tunes of the 1990s are being replayed. Although outright climate denial is now patently delusional, rightist politicians are quick to claim that the west has already done enough, or that new technology will save us. There have also been some bizarre attempts to distract from the main issue. When the skies in New York State turned orange in June, Rudy Giuliani tweeted “Is it due to wildfires, climate change or something more sinister?”. In Britain, the former Tory minister Lord David Frost recently declared that we shouldn’t worry because more people die of cold than heat. Meanwhile the hard end of the oil industry continues to lobby for projects that would be stranded assets under net zero.

The dilemma is how to balance climate action with the preservation of livelihoods. This can feel frustrating to those of us who fear we may soon reach planet tipping points which will wreak their own economic havoc. Extreme weather has already made some US homes uninsurable. Canada has lost more land to wildfires this year than any other on record, and its Climate Institute estimates that extreme heat will threaten half a million jobs by 2050. Meanwhile Greece, Italy and Spain, which are sweltering in 40C heat, must fear for the future of their tourist industries. Nevertheless, it is legitimate to ask which solutions will be most cost-effective, and where the costs should fall. The path to net zero demands that governments pull off the equivalent of a new Industrial Revolution in only three decades. Politicians are reluctant to move ahead of where they think public opinion is — and the public dislike blank cheques. The answer is surely to invoke a wartime spirit, and make the fight against climate change a joint endeavour against a common enemy. If the public and political will is there, human ingenuity can prevail, with remarkable speed. In the second world war, America transformed its manufacturing base to produce tanks and ammunition. The Covid pandemic resulted in the discovery and development of vaccines at scale, saving millions of lives. Russia’s invasion of Ukraine has finally prompted Germany to free itself from its dependence on Russian gas.

What do all these cases have in common? A determined focus on a single objective, a sense of national unity and leadership by the private sector. For this to happen with climate, the political conversation has to mature. The left is correct in believing that getting to net zero will require a bigger state to mobilise resources and frame objectives. But the right is also correct that only markets are nimble and innovative enough to deliver. In Britain, some Tories are disingenuously trying to elide an unpopular tax on polluting vehicles in London with entirely separate climate policy. But many Green parties have committed similar sins, merging ‘green’ policies with ‘red’ ones — like wealth taxes, shrinking the military or, disastrously for Germany’s carbon footprint, opposing nuclear power. The story that voters need to hear from political leaders cannot be ideological. Long before Al Gore spoke so eloquently about the Inconvenient Truth, Margaret Thatcher warned of the growing peril of carbon emissions, and called for a framework convention on climate change in her speech to the 1989 UN General Assembly. Some modern Conservatives who consider themselves Thatcher’s disciples hate being reminded of her words that “we shall only succeed in dealing with the problems through a vast international, co-operative effort” — but she was right.

In two decades of writing about climate change I have learnt that it provokes deeply emotional reactions. People are quick to dispute any suggestion that they should change their lifestyle, or that the world they inhabit might change. They are understandably concerned about who is going to bear the costs of decarbonisation, and whether it is fair. Many would rather not think about it too much. Individual political leaders are navigating a very complex situation, a global tragedy of the commons in which no one population wants to lose out to any other. My American Democrat friend was right: the issue is too important to be held hostage by any one group. If we are to tackle the warming climate, we must take the heat out of the politics.

[thanks Robert Scott Horton]

[himbogiants]

I know all I have done since I posted stories here is write a chapter/2 chapters and not continue, I will continue them I promise but I really wanted to write this as I am a slave to the found family trope. Enjoy grumpy old man (unwillingly) becomes guardian to a chaotic little girl. Inspired by Tlou Ellie and Joel as well as GoT the hound and arya.

Thorn in my side

(Prologue)

The actual story will be MUCH longer but this is just a lil intro

Triggers: cursing I guess? But that will be the case with most chapters because addie knows some colourful words and likes to throw them around

>:)

If anything could be said without any argument it would be that the man wasn't what one would call welcoming. While he hadn't got much nice virtues in his favour, he had got a colourful array of other descriptive words to choose from. Brutish, nasty, bitter, ill-tempered (-short tempered too) and those were just starter options to a more deliciously verbal main course.

From what could be gathered while sneaking around the alleys, some villagers deemed he wasn't all bad, even vowed that 'so long as you leave him alone, don't talk to him, look at him and depending the day, you don't breathe insufficiently around him, you'll be fine'. That advice seemed to have spread like a wildfire, and slowly but surely, it appeared as if an unavowed agreement was set to leave him be to his indulgences, far out in his small cottage home at the edge of the kingdom.

Despite it all, he didn't pay their mindless gossip any attention- if anything it seemed he reveled in it, loving that it ensured the most loud and obnoxious 'citizens' would stay far far away from his vicinity. And should they get too close, the simple solution was one hard glare over the shoulder from his peripheral to send them running back home- some in tears. Some might say he was a bit of an 'old prune' or 'sad sour vessel of a man'. A man filled with nothing but grotesque hatred for anything and anyone around him, be it the townspeople, village or the whole damn kingdom.

And unfortunately, the old man didn't do the rotten rumours any favours. He never cared for the unbidden pesky pokes and prods at his life, and had he cared, he may have even humoured their outlandish claims.

Though all that being said he wasn't devoid of finding solitude. It was quite clear he did like quiet things. Being devoid from sounds of sappy children and stumbling drunkards eased such simplicite interests. The only sounds he seemed to find solace in was the buzz and hums of wildlife while tending his crops, the pitter-patter of rain hopping about like grasshoppers against the stone wall and the crackle from the hearth as its warmth billowed about his only comfort, his home.

He didn't confide and he didn't care, he was just a isolated gruff man who seemed alot deeper than the wretched rumours had precieved. From any other perspective however, it could fairly be assumed that his heart had been thorn out many moons ago, or perhaps buried, deep deep down, into depths of tarnished emotions.

It was too bad Addie couldn't aid him in his predicament.

From afar she could pity the man, and she'd only been there a fortnight thus far, from what she gathered he just needed..something, maybe a hound, hounds couldn't talk as far as she knew. Though perhaps a lazy one, that wouldn't bark at the slightest jitter.

It was clear from her restless week long trail through the kingdom that his behaviour towards townsfolk and himself personally were two different matters entirely- from what she picked up from gossip of course. He had been in the markets that day, and from the coverage scrouing the grimy streets from the plants, drains, carriages and the sort, all she could gather was the pitiful whispers about town, that 'the old troll had left his cave'.

It was abundantly obviously to even the thickest of minds this man's home was void of any life besides his own. That had been good enough for her. Despite hiding for dear life from all those around her, it had been a rare occasion were she had been happy to be around someone of such..stature. A ticket to an easy few weeks, unbothered by children, maids or fiendish cats. But still, from her time 'spent with him' (if you could even call it that) she had become divided in her own mind. Part of her found sorrow in seeing him all alone, even a little anger towards all the dreadful hushed chatter she overheard before she had happened upon his satchel, slipping inside unbeknownst to the gruff old man, in his pursuit of purchasing..whatever it was he was buying. Another part of her played offence, accusatory in the nature that he had formed the reputation himself, had he shown even the inching of a smile maybe, just maybe, his situation wouldn't be so dire. But he dug his grave and now he had to lie with his misery and consequence. And that made sympathy a rather hard feeling to render him by.

Either side of her inner turmoil could agree on one thing when it come down to it. Lest he change his ways there was no saving him.

Once she was stocked up she'd be moving on, she was quite conflicted on wether she'd feel relief or regret on leaving such a sad husk of a man, but there was nothing to be done. Nothing she could- would do. Especially given that even with her conflicted pity, he was still one of them- hatred toward others like him or not.

If it came to priorities she was putting herself first. It was a dangerous world for those one twelfth of the average height. Even more so when said people were believed to be a dying species. And were a rarity for two gruelling reasons- both stemming from blood. Its taste, and its qualities. Humans in these times were sought out now for a palatable delicacy or for cures, tinctures that could cure even the deadliest of diseases- or so the presumptuous prodigious pricks had persuaded one another into believing. Either way, the thought made her sick. All that loss, to satisfy the mind, or the stomach. But this was life now, and she was determined to live it. Endure and survive it.

Alas, she hadn't planned to stay long. A few weeks at most, with a week spent grafting the streets and fourteen nights in his abode it summed to three tiresome weeks thus far. It was stock up and carry on. Take what you can, leave what you must. There was codes to follow, they had been set out by her family, and in the time she got to have with them, each member followed them wholeheartedly. Her dad had been to teach her. God she missed him. His absence had hit the hardest. Despite the years that had past, his loss was still so vivid. In the waking world and dream realm alike. Her mother was a sweet traditional lady, well kept, strict but tender, loving to all those around her. But her father, he had shown her everything, taught her everything. He crafted the person she had become and he was partly her biggest motivation to keep going.

In theory, being reunited with her family wouldn't take long. All she'd really have to do was let a single giant see her. In whatever morbid twisted fate she’d be granted, it would eventually lead home. Home to the warmth of her mother's embrace, the lingering whispers of love and meaning in her fathers voice. Home as both held her tight and never let go. Despite its gruesome reality, it was a nice dream- but her families memory was worth more than ending up as a garnish on a plate, a plate already full of greed and an unquenchable thirst for more and more. For them, she'd keep going. For them she would reach the haven. Be amongst her people once more, bring normality back into the world, despite being born into the current way of life for humanity. To her in a way everyday had become the status quo. But the faith of getting to experience what life had been. Now that would be something.

So she would deal with this grouch for another few weeks or so, then continue her journey. Her long long journey, to salvation.

At least. That's what she hoped would happen. That was the plan after all.

Getting caught was not.

[proburnketoacvgummiesreviews]

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[esgtrends]

Role of Climate Data in Assessing Portfolio Risk

Climate-related factors are increasingly being incorporated into financial analysis, with a growing consensus among financial institutions on the importance of understanding the risks and opportunities emanating from climate change. In financial analysis, climate data focuses on metrics that primarily impact asset value, operational costs, and investment returns. These metrics may be qualitative or quantitative, such as greenhouse gas (GHG) emissions and targets, extreme weather events tracking, climate scenario analysis, and climate-based regulatory changes and market trends.

Collecting, reporting, and analyzing such climate data is essential for portfolio assessment for the following reasons:

1. Rising Physical Impacts: The number and severity of extreme weather events, such as wildfires, hurricanes, and droughts, have increased over time, especially in the last few years. While financial institutions have limited exposure to physical impacts through their physical assets, they need to consider the indirect effect on their financial assets depending on their exposure and vulnerability to climate hazards.

2. Regulatory Changes: With the rise of policies and regulatory frameworks, such as the Corporate Sustainability Reporting Directive (CSRD) and Task Force on Climate-Related Financial Disclosures (TCFD), which mandate reporting on the effects of climate change on a company’s operations and vice versa, the need for a strategy to collect and analyze climate data has become more prominent.

3. Investor Demands: There has been a growing demand from investors for more visibility into climate-related variables in their portfolios. While the reasons for investor interest in climate data may range from risk adjustment to sustainability tilts, overall, this trend has resulted in a higher demand for climate data-based analysis, especially from shareholders, debtors, and other stakeholders.

4. Reputational Risk: Public concern about climate change has grown profoundly, and customers and stakeholders are increasingly urging institutions to participate in the transition toward a low-carbon economy. Hence, it is important to incorporate climate data into due diligence practices to avoid any climate-related controversies attracting negative media attention.

These elements have brought climate impact data solutions to the forefront of financial and corporate strategy. As climate risks escalate, the relevance of accounting for climate-related factors in environmental, social, and governance (ESG) portfolio analysis for investors, asset managers, portfolio managers, and financial institutions has grown, along with the need for more comprehensive data reporting.

Recent developments in climate change data reporting standards and frameworks, such as the International Sustainability Standards Board (ISSB), Global Reporting Initiative (GRI), CDP, Sustainability Accounting Standards Board (SASB), European Sustainability Reporting Standards (ESRS), etc., have enabled companies to report on their climate change data more effectively. This makes it easier for portfolio managers to incorporate climate data solutions into risk assessment and harmonize portfolios with long-term sustainability goals. This analysis is integral for investors and portfolio managers, as it helps them reduce their exposure to climate risks and identify avenues for opportunities by offering insights into how environmental factors affect future earnings and asset value.

Here are some key ways financial institutions can use their climate data to inform portfolio risk analysis:

1. Geographical and Physical Risk Analysis: The insights provided by climate data allow investors to assess the exposure and vulnerability of their assets. With advanced tools, portfolio managers, investors, or financial institutions can identify the location of their investments and compare these with climate forecasts. For example, the risk of rising sea levels can be understood in terms of the vulnerability of a real estate portfolio. The possibility of assessing these impacts may allow managers to hedge against potential risks, divest from assets at risk, or explore insurance options to curtail their financial exposure.

2. Carbon Footprint and Transition Risk Analysis: As governments and regulatory bodies move toward aligning with a low-carbon economy, there is high transition risk for businesses, and consequently for portfolios that are fossil fuel reliant. In such cases, climate data can help assess the carbon footprint of companies and sectors within a portfolio. An investor can then analyze the extent to which a company will face future regulatory pressures, higher carbon taxes, or stranded assets as fossil fuels become less viable, and evaluate the efficacy of its current transition strategies.

3. Climate Scenario Analysis: Portfolio managers can conduct scenario analysis to validate how different climate pathways may impact the financial performance of companies. For instance, in a 2°C rise scenario, firms that are closer to a low-carbon economy, such as renewable energy-based ventures, may perform better, potentially rewarding those equity exposures. Such analysis can be key to understanding the positioning of a portfolio and developing energy transition pathways.

4. Data on Biodiversity and Natural Capital: For investment portfolios across several industries, such as agriculture, forestry, and pharmaceuticals, information related to biodiversity and ecosystem services has become increasingly important. Since climate and nature are inherently interlinked, their risks intersect and compound with one another, necessitating a combined strategy for both. With the rise of nature-based frameworks such as the Taskforce on Nature-related Financial Disclosures (TNFD), there is a move to view both nature- and climate-related data through the same lens and to incorporate them collectively in investment decision-making.

5. Social and Economic Impact Data: Climate change has wide-ranging social and economic implications that can drive portfolio returns. Data showing how climate change affects migration, economic disparity, or health outcomes can help portfolio managers and investors identify risks associated with sectors such as healthcare, consumer goods, and insurance. On the contrary, climate data can also serve as a starting point for evaluating potential opportunities. The transition toward a low-carbon economy opens investment opportunities in avenues like sustainable agriculture. Investors and portfolio managers may use climate data to choose companies that emerge at the forefront of such a transition.

Conclusion

Integrating climate-related data into the assessment of portfolio risks is essential for every portfolio manager or investor aiming to become more resilient and ensure long-term growth. Advanced climate models and data tools have increased in sophistication, allowing investors, asset managers, and portfolio managers to make better estimates of physical and transition risks. This capacity enables investors to defend their portfolios against the increasing effects of climate change while also seizing new opportunities in a rapidly changing global economy.

[roshmedia]

Wildfire Insurance Claims - Preparation for Residents

Living in the northwest means access to beautiful forests and mountain landscapes, but it also comes with a heightened wildfire risk, especially during drier months. With wildfires becoming more frequent and intense due to climate change, property losses have increased. If you live in a wildfire-prone area, preparation is key to safeguarding your home and finances. Understanding your insurance, preparing ahead of time, and having a plan for filing claims can make all the difference in recovering quickly. This guide will walk you through what you need to know about wildfire insurance and how to get prepared.

Know Your Insurance Coverage for Wildfires

Most standard homeowners' insurance policies cover damage from fire and smoke, including wildfires. However, since wildfires are more frequent and destructive, insurance companies are getting stricter in high-risk areas, which can mean higher premiums, coverage limitations, or even denied coverage. If you live in an area with a significant risk of wildfire, it’s essential to know your policy thoroughly, understand what it covers, and make sure you have adequate protection.

Essential Coverage Areas

Dwelling Coverage: This portion of your policy protects the structure of your home (walls, roof, and attached buildings) up to a specified limit. Ensure you have enough dwelling coverage to fully rebuild your home based on current market prices, as post-wildfire construction costs often surge.

Personal Property Coverage: This coverage protects your belongings, including furniture, electronics, clothing, and other personal items. It’s important to estimate the total value of your possessions to ensure your coverage limit matches their replacement cost.

Additional Living Expenses (ALE): ALE covers the cost of temporary housing, meals, and other living expenses if you are displaced. Check the monetary and time limits of this coverage since wildfires can lead to extended displacement times.

Alternative Policies for High-Risk Areas

If you struggle to obtain a traditional homeowners’ policy due to wildfire risk, you may be eligible for Fair Access to Insurance Requirements (FAIR) Plans or surplus lines. FAIR plans offer basic coverage for high-risk properties, while surplus lines are policies for special cases like wildfire zones. These policies vary in coverage, so it’s important to understand their limitations and any exclusions before committing.

Preparing in Advance for Wildfire Claims

In the event of wildfire damage, acting quickly and accurately is essential for a successful claim. The following steps will help you get organized and prepare the necessary information.

1. Document Your Belongings

Creating a thorough home inventory is one of the most important steps. Document each room with photos or videos, making sure to capture high-value items along with their details like brand, model, and serial numbers. You can use apps like Encircle or Sortly to streamline this process or keep a detailed spreadsheet. Back up this information digitally on cloud storage so it’s safe and accessible, even if your devices are damaged or lost.

2. Secure Important Documents

Place your insurance policy, receipts, and other critical documents in a fireproof safe, ensuring they’ll remain intact if your home is damaged. Additionally, scan these documents and keep digital copies in a secure cloud storage solution. These documents are essential for proving ownership, value, and other claim-related details.

3. Understand Your Policy Details

Take the time to fully understand your insurance policy, including any exclusions and limits. Speak with your agent to clarify questions about coverage or to discuss the possibility of additional riders for unique or high-value items. Make sure to keep updated copies of your policy so you’re aware of any recent changes in coverage.

4. Build a Relationship with Your Insurer

Developing a good rapport with your insurance provider can be helpful. Many insurers offer fire-prevention resources, such as assistance with clearing flammable vegetation around your property or providing ember-resistant vent installation. Knowing your agent’s contact information will also make communication smoother if you need to file a claim quickly.

Protecting Your Property from Wildfires

Beyond insurance, taking steps to reduce fire risk around your property is crucial. These proactive measures not only protect your home but may also reduce insurance premiums.

1. Create Defensible Space

One of the best ways to protect your home is to create a defensible space, a buffer zone that reduces the risk of fire spreading. Keep vegetation trimmed, clear dead plants, and maintain at least a 30-foot buffer zone around your house. In high-risk areas, some states recommend up to 100 feet of defensible space.

2. Use Fire-Resistant Building Materials

Whenever possible, use fire-resistant materials in your home’s construction or renovations. Roofing materials with a Class A fire rating, fire-resistant siding, and tempered glass windows offer additional protection. Adding ember-resistant vents can further safeguard your home by preventing embers from entering and igniting inside.

3. Install Fire Suppression Systems

Consider installing a sprinkler system or fire-resistant shutters to reduce fire spread. Many insurers provide discounts for these features, which add protection and may also lower your premiums. Be sure to discuss any available discounts with your insurance provider.

Filing a Wildfire Insurance Claim

If wildfire damage occurs, follow these steps to ensure a smooth claim process:

Contact Your Insurer Promptly: Notify your insurance provider as soon as possible after the fire. Many insurers allow you to initiate the claim online or via mobile apps, streamlining the process.

Document the Damage Extensively: Take thorough photos or videos of all damaged areas before any repairs are made. Use your home inventory as a reference for listing damaged items.

Keep All Expense Receipts: Keep receipts for temporary housing, meals, and other expenses, as these may be reimbursed under ALE coverage.

Prepare for the Adjuster’s Visit: An adjuster will assess the damage to estimate repair costs. Having all documentation, including before-and-after photos, will support your claim.

Final Thoughts

Preparing for potential wildfire insurance claims can seem overwhelming, but taking proactive steps will give you peace of mind and financial protection. By thoroughly understanding your policy, creating a detailed home inventory, taking steps to fireproof your home, and maintaining key documents, you can reduce the impact of wildfire risks on your property and family.

[allthingsdarkanddirty]

TEASER BLAST

We are excited to share a teaser from BABY BANK by @booksbysarahrobinson releasing 9/19!

#PreOrderHere: https://booksbysarahrobinson.com/books/baby-bank/

TROPES:

Romantic Comedy

Female/Female

Single parent

Washington DC

Queer Fiction

Enemies-to-lovers

ABOUT THE BOOK:

Mila Torres is a successful divorce lawyer by day, stand-up comedian by night and by all accounts--except her mother's--living a bisexual elder millennial's dream life in Washington, DC. That is until she realizes she's only a year away from hitting the ripe old age of thirty-five and her doctor suggests at her annual pap smear that maybe she should consider freezing her eggs if she wants kids in the future. Except, she doesn't want a child in the far future...she wants a child right now.

This poses a bit of a problem since she's ten swipes past single and living Golden Girls style with two of her best friends who work on Capitol Hill and one ornery old cat. That is, until she hears a story from a friend about a free sperm bank online app called Baby Bank. A few margaritas later and Mila has swiped on over fifty sperm donors until she finds the perfect match--handsome, successful, brilliant, everything you'd want your sperm to be.

Now she's meeting him at a hotel--along with two of her best friends for back up--to complete the process. All should have gone smoothly, except when she learns that her sperm donor is the brother of the reporter that Mila has been dodging for months, and that while she originally only wanted this man's baby, she actually wants his sister, too.

In a comedic story of LGBTQIA+ romance and millennial specific drama, Mila finds that motherhood and dating are not compatible when you keep it all in the family and that the modern elder millennial maybe can't have it all.

Add to yourTBR: https://bit.ly/45tXtUR

[esgdata1992]

Role of Climate Data in Assessing Portfolio Risk

Climate-related factors are increasingly being incorporated into financial analysis, with a growing consensus among financial institutions on the importance of understanding the risks and opportunities emanating from climate change. In financial analysis, climate data focuses on metrics that primarily impact asset value, operational costs, and investment returns. These metrics may be qualitative or quantitative, such as greenhouse gas (GHG) emissions and targets, extreme weather events tracking, climate scenario analysis, and climate-based regulatory changes and market trends.

Collecting, reporting, and analyzing such climate data is essential for portfolio assessment for the following reasons:

1. Rising Physical Impacts: The number and severity of extreme weather events, such as wildfires, hurricanes, and droughts, have increased over time, especially in the last few years. While financial institutions have limited exposure to physical impacts through their physical assets, they need to consider the indirect effect on their financial assets depending on their exposure and vulnerability to climate hazards.

2. Regulatory Changes: With the rise of policies and regulatory frameworks, such as the Corporate Sustainability Reporting Directive (CSRD) and Task Force on Climate-Related Financial Disclosures (TCFD), which mandate reporting on the effects of climate change on a company’s operations and vice versa, the need for a strategy to collect and analyze climate data has become more prominent.

3. Investor Demands: There has been a growing demand from investors for more visibility into climate-related variables in their portfolios. While the reasons for investor interest in climate data may range from risk adjustment to sustainability tilts, overall, this trend has resulted in a higher demand for climate data-based analysis, especially from shareholders, debtors, and other stakeholders.

4. Reputational Risk: Public concern about climate change has grown profoundly, and customers and stakeholders are increasingly urging institutions to participate in the transition toward a low-carbon economy. Hence, it is important to incorporate climate data into due diligence practices to avoid any climate-related controversies attracting negative media attention.

These elements have brought climate impact data solutions to the forefront of financial and corporate strategy. As climate risks escalate, the relevance of accounting for climate-related factors in environmental, social, and governance (ESG) portfolio analysis for investors, asset managers, portfolio managers, and financial institutions has grown, along with the need for more comprehensive data reporting.

Recent developments in climate change data reporting standards and frameworks, such as the International Sustainability Standards Board (ISSB), Global Reporting Initiative (GRI), CDP, Sustainability Accounting Standards Board (SASB), European Sustainability Reporting Standards (ESRS), etc., have enabled companies to report on their climate change data more effectively. This makes it easier for portfolio managers to incorporate climate data solutions into risk assessment and harmonize portfolios with long-term sustainability goals. This analysis is integral for investors and portfolio managers, as it helps them reduce their exposure to climate risks and identify avenues for opportunities by offering insights into how environmental factors affect future earnings and asset value.

Read More: Role of Climate Data in Assessing Portfolio Risk

[lcttruckingco]

Setbacks to Stability: Tackling Today’s Supply Chain Challenges

Introduction

In recent years, supply chain disruptions have posed significant challenges for businesses worldwide. Issues like labor shortages, regulatory changes, climate events, and fluctuating consumer demand continue to strain global logistics. In this guide, we explore these supply chain challenges and share strategies to enhance stability, efficiency, and resilience.

Understanding Current Supply Chain Setbacks

Labor Shortages and Staffing Issues

Labor shortages are a significant hurdle, especially within logistics. A decline in skilled labor impacts warehousing, transportation, and customer satisfaction. To tackle this:

Automation: Implementing AI and robotics can enhance operational efficiency and ease labor gaps.

Flexible Work Options: Offering remote work, shift flexibility, and upskilling opportunities can attract a broader talent pool.

By investing in these solutions, logistics companies can navigate the challenges of staffing shortages.

Global Trade Fluctuations and Regulations

With ever-changing trade policies and tariffs, adapting to global trade fluctuations is essential for maintaining stable supply chains. By forming strategic partnerships with customs brokers and staying informed of policy updates, logistics providers can navigate regulatory complexities.

Natural Disasters and Climate Events

Natural disasters, including hurricanes and wildfires, are increasingly common and disrupt supply chains significantly. Logistics providers should adopt climate-conscious practices and:

Establish Contingency Plans: Outline protocols for rerouting shipments and alternative sourcing.

Diversify Routes and Suppliers: Minimize reliance on single-source suppliers to avoid bottlenecks.

Surges in Consumer Demand

High-demand seasons, like Black Friday and Cyber Monday, test logistics efficiency. Surges can lead to inventory shortages, delays, and rising costs. Solutions include:

Advanced Inventory Forecasting: Utilizing machine learning and data analytics for accurate demand predictions.

Scaling Warehouse Capacity: Ensuring resources align with peak demand times through proactive planning.

Transforming Setbacks into Stability

Advanced Demand Forecasting

Effective demand forecasting ensures supply chain stability. By analyzing market trends, historical data, and customer behavior, logistics companies can reduce stockouts and overstocking. Predictive analytics and collaboration with suppliers also enhance inventory management, ensuring products are available when and where needed.

Strengthen Supplier Relationships

Building a reliable supplier network is essential for stable supply chains. Prioritizing transparency and flexibility with suppliers allows logistics companies to respond quickly to delays and shortages. Clear service-level agreements (SLAs) and regular performance reviews with suppliers are key practices for building robust partnerships.

Embrace Real-Time Tracking and Visibility

Real-time tracking and visibility are critical to supply chain efficiency. IoT technology and tracking systems allow logistics companies to:

Monitor Shipments in Real-Time: Enhance transparency and improve customer satisfaction.

Address Issues Proactively: React to potential disruptions swiftly, ensuring delivery schedules are met.

Warehouse Optimization

Optimizing warehouse operations is essential, especially during peak seasons. Automated storage, picking, and packing can minimize errors and expedite handling times. Key strategies include:

Inventory Management Systems: Using RFID and barcoding for accurate product tracking.

Lean Warehousing: Adopting space-maximizing layouts to enhance operational efficiency.

Flexible Delivery Options

Offering multiple delivery options can enhance customer satisfaction and service quality. Partnering with local carriers and employing temporary personnel during high-demand periods enables logistics companies to maintain flexibility and reliability.

Sustainability for Long-Term Stability

Sustainable practices in logistics contribute to environmental goals and appeal to eco-conscious consumers. Over 70% of consumers favor businesses with green practices, according to the Global Logistics Sustainability Index. Key areas include:

Route Optimization: Minimizing emissions and reducing transportation costs through software that analyzes traffic patterns, weather, and vehicle loads.

Eco-Friendly Packaging: Reducing waste through recyclable and biodegradable materials aligns with modern consumer expectations.

Managing Peak Seasons and Demand Surges

High-demand periods like holiday seasons require robust logistics solutions. Here’s how logistics companies can maintain efficiency:

Seasonal Staffing Solutions

Hiring temporary or contract workers during peak times prevents overburdening regular staff. Pre-vetted seasonal hires ensure order fulfillment and consistency during demand surges.

Cross-Border Delivery Management

International orders often increase during peak seasons, making effective cross-border management crucial. Experienced logistics providers help navigate customs, minimizing delays and enhancing customer satisfaction.

Streamlined Returns Management

Efficient returns management enhances customer satisfaction and stabilizes supply chains. A straightforward returns policy, coupled with tracking systems and clear instructions, turns potential setbacks into customer loyalty opportunities.

LCT trucking’s Role in Navigating Supply Chain Challenges

As a leader in logistics, LCT trucking is committed to helping businesses overcome supply chain challenges with resilient, efficient solutions. Here’s how LCT trucking supports supply chain stability:

Domestic and International Shipping Comprehensive freight services ensure timely, compliant deliveries, providing reliability across domestic and international routes.

Warehousing and Distribution Strategically located warehouses with advanced inventory systems support efficient storage and distribution. Our flexible warehousing solutions allow businesses to scale with demand.

Advanced Technology LCT trucking leverages real-time tracking and advanced logistics software, offering clients full shipment visibility. This technology helps optimize routes and responds proactively to unexpected setbacks.

By prioritizing these practices, LCT trucking strengthens supply chains and delivers stability in an unpredictable logistics landscape.

Conclusion: From Setbacks to a Stable Future

Turning setbacks into supply chain stability requires innovation, adaptability, and strategic investment. By focusing on demand forecasting, warehouse optimization, sustainable practices, and flexibility, logistics providers like LCT trucking transform challenges into opportunities for resilience.

Embracing change, addressing labor and regulatory issues, preparing for natural disruptions, and managing high-demand surges are critical for success in today’s complex logistics environment. By transforming setbacks into stable strategies, logistics companies can create a reliable, sustainable future

[crsroofingsblog]

The Advantages of Metal Roofing in Knoxville, TN

Metal roofing has become a popular choice for homeowners and businesses in Knoxville, TN. Its durability, energy efficiency, and aesthetic versatility make it an attractive option for those looking to invest in long-lasting roofing solutions. Here, we explore the key benefits of metal roofing and why it’s an ideal choice for properties in Knoxville.

1. Durability and Longevity

One of the most significant advantages of metal roofing is its durability. Unlike traditional roofing materials like asphalt shingles, metal roofs can withstand harsh weather conditions, including heavy rain, strong winds, and even hail. Knoxville experiences a mix of weather patterns throughout the year, making metal roofing a reliable choice. With proper maintenance, a metal roof can last 40-70 years, significantly outlasting other materials.

2. Energy Efficiency

Metal roofs are excellent for energy efficiency. They reflect solar radiant heat, which can reduce cooling costs by up to 25%. This is particularly beneficial during Knoxville’s hot and humid summers. Additionally, many metal roofing options come with cool roof coatings that enhance their reflective properties, further improving energy savings.

3. Environmental Benefits

Metal roofing is an eco-friendly option. Many metal roofs are made from recycled materials and are 100% recyclable at the end of their life. This reduces the environmental impact and supports sustainable building practices. For environmentally-conscious residents in Knoxville, this makes metal roofing an appealing choice.

4. Low Maintenance

Compared to other roofing materials, metal roofs require minimal maintenance. They are resistant to issues like rot, mildew, and insect infestations. Regular inspections and occasional cleaning are usually sufficient to keep a metal roof in excellent condition.

5. Aesthetic Appeal

Metal roofing comes in a variety of styles, colors, and finishes, allowing homeowners to choose a look that complements their home’s architecture. Whether you prefer the traditional look of standing seam panels or the appearance of metal shingles, there’s a design to suit every taste. This versatility adds to the curb appeal of homes and businesses in Knoxville.

6. Fire Resistance

Metal roofs are highly fire-resistant, providing an additional layer of protection for your home. This can be particularly reassuring in areas prone to wildfires or where outdoor fire pits and grills are common.

7. Increased Property Value

Investing in a metal roof can increase the resale value of your property. Potential buyers often see the long-term benefits and lower maintenance costs of metal roofing as a significant advantage, making your home more appealing in the competitive Knoxville real estate market.

8. Noise Reduction

Modern metal roofing systems are designed with noise reduction in mind. When installed with proper insulation, they can effectively dampen noise from rain, hail, and other external factors, ensuring a quieter indoor environment.

9. Snow Shedding

For areas in Knoxville that experience occasional snowfall, metal roofing offers excellent snow-shedding capabilities. Its smooth surface prevents snow accumulation, reducing the risk of roof damage and leaks.

Conclusion

Metal roofing is a smart investment for homeowners and businesses in Knoxville, TN. Its combination of durability, energy efficiency, and aesthetic versatility makes it a superior choice for those looking to enhance their property. If you’re considering a roofing upgrade, metal roofing offers long-term benefits that can improve your home’s value, reduce maintenance costs, and provide peace of mind.

For expert metal roofing services in Knoxville, consult with a trusted roofing contractor to explore the best options for your property.

Phone:  (865) 755-4785

Business email : crsroofing03@gmail.com

Website:   https://crsroofingtn.com/

[sandythereadingcafe]

REVIEW TOUR:

WHEN I FOUND YOU BY Samantha Lind at The Reading Cafe:

' The premise is captivating and entertaining; the romance is seductive'

Wildfire Marketing Solutions

[insightsresearch]

Technological Impacts on the Fire Protection System Market

Research Nester’s recent market research analysis on “Fire Protection System Market: Global Demand Analysis & Opportunity Outlook 2037” delivers a detailed competitor’s analysis and overview of the global fire protection system market in terms of market segmentation by product, application, services, and by region.

Rising Demands for Advanced Fire Protection Systems to Promote Global Protection System Market Growth

The emergence of innovations improving the efficacy of firefighting solutions has led to a robust demand for fire protection systems. Installation of robust fire security infrastructure is a viable investment to protect considerable losses that can be incurred due to fire-related damages. Efficient fire protection systems also ensure timely interventions during large-scale fire hazards such as wildfires that have the potential for significant destruction.

The market is expanding as a result of increased urbanization raising demands for robust fire protection systems and growing government investment in strengthening the fire fighting infrastructures. Additionally, greater research to combat rising forest fire incidents globally has led to an increase in investments in this sector.  Nations are inculcating innovative fire protection solutions to combat wildfire spreads and minimize adverse environmental impacts. In September 2024, Edwards announced the launch of Signature Optica smoke detectors production in India which is expected to be pivotal in early fire detection.

Some of the major growth factors and challenges influencing the market growth

Growth Drivers:

Enforcement of fire safety protocols by the government

Increasing public awareness of fire safety

Challenges:

Integration of fire protection systems in emerging cities can be a challenge due to convoluted fire safety protocols and haphazard buildings. The lack of planning in building constructions can eventually impede the seamless integration of fire protection systems in such infrastructures.

Access our detailed report at: https://www.researchnester.com/reports/fire-protection-system-market/50

By product, the fire detection system market is segmented into fire detection, fire analysis, fire suppression, fire response, and fire sprinkler systems. The fire detection segment is poised to account for the largest revenue share during the forecast period owing to the need for advanced fire detection solutions to be integrated into urbanized spaces and in various sectors.

By region, the North America fire protection system market is projected to garner the highest revenue share of 35.6% by the end of 2037. This growth can be attributed to stringent enforcement of fire safety regulations, rise of smart homes, and the growing need for early detection and combat of wildfires. North America also leads the way in technological innovations in the fire safety solutions sector. In April 2024, the Afex liquid fire suppression system received FM 5970:2022 certification for mobile equipment.

Customized report@ https://www.researchnester.com/customized-reports-50

This report also provides the existing competitive scenario of some of the key players of the market i.e., Honeywell International Inc., Siemens, Carrier, Pye-Barker Fire & Safety, Robert Bosch GmBH, Johnson Controls, AAA Fire Protection, Gentex, Ceasefire Industries, NewAge Fire Protection Engineers Pvt Ltd., others.

Request Report Sample@ https://www.researchnester.com/sample-request-50

Research Nester is a leading service provider for strategic market research and consulting. We aim to provide unbiased, unparalleled market insights and industry analysis to help industries, conglomerates and executives to take wise decisions for their future marketing strategy, expansion and investment etc. We believe every business can expand to its new horizon, provided a right guidance at a right time is available through strategic minds. Our out of box thinking helps our clients to take wise decision in order to avoid future uncertainties.

Contact for more Info:

AJ Daniel

Email: info@researchnester.com

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