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  1. #1
    Senior Member JohnDoe2's Avatar
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    Retirees Are Fleeing Florida as Climate Change Threatens Their Financial Future

    'We Will Miss the Warm Winters.' Retirees Are Fleeing Florida as Climate Change Threatens Their Financial Future


    A car is seen in a flooded street as Hurricane Irma passes through on September 10, 2017 in Miami, Florida.
    Joe Raedle—Getty Images


    By REBECCA MORDECHAI

    Florida, with its plentiful beaches, warm weather, and lack of a state-income tax, is the most popular destination for older adults in the U.S. But some who have lived in the Sunshine State for years are moving in the opposite direction.

    As damaging storms and other effects of climate change have hit Florida particularly hard in the past few years, some older adults living there have become concerned about their safety and their ability to enjoy retirement. So they’re fleeing this otherwise balmy state.


    About 52,630 people ages 65 and over left Florida in 2017, versus 48,174 in 2016 and 43,356 in 2012, according to Jon Rork, professor of Economics at Reed College in Portland, Oregan, who studies retirement migration. “Many of these people have left Florida for states like Georgia and North Carolina,” Rork says. “There’s a hypothesis that those who have left Florida for Georgia and North Carolina have done so to avoid hurricanes and big insurance premium jumps.”


    Courtesy of Karen Colton

    Dire Warnings Become Harder to Ignore

    It has grown harder for Americans to ignore global warming in the wake of the United Nations’ Intergovernmental Panel on Climate Change, which released a report last fall warning of catastrophic consequences like increased droughts and food shortages if the atmosphere rises by 2.7 degrees Fahrenheit (1.5 degrees Celsius) above pre-industrial levels by 2040 — a possibility that scientists consider likely.

    Since then, the journal Science reported that oceans are warming up at an even quicker rate. Kevin Trenberth, an author of the study, said at the National Center for Atmospheric Research that “the numbers are coming in 40% to 50% [warmer] than the last IPCC report [five years ago].”


    Higher ocean temperatures mean that sea levels will continue to rise, as the heat causes water to expand. And higher sea levels cause more destructive hurricanes as the water is pushed further inland. For some residents, this threat is enough to make them leave.


    “We will miss the warm winters,” says Karen Colton, a 54-year-old resident who lives near Upper Tampa Bay. There may be fewer sun-filled days at her new destination, yes, but Colton is still eager to retire to Asheville, N.C., with her wife, Rebecca Turner, this summer. Colton says she’s done fearing the “killer hurricane and floods” that wreak havoc on her current hometown, and craves peace of mind during her retirement years.

    The couple has been fortunate to have escaped severe hurricane damage so far. But, Colton wonders, “What if I won’t be as lucky next time”? “I like that Asheville seems to be immune to most natural disasters,” she says.


    Lynne Portnoy, 68, also plans to pull up roots, in her case in Plantation, Fl. Portnoy now lives in Plainview, N.Y., yet she has always kept property in Florida as a fall back for retirement. “But I now see that makes no sense whatsoever,” she says. Major hurricanes sweeping through the state in the past few years, such as Hurricanes Irma and Michael, have convinced her to sell.


    Portnoy currently rents her property for an extra stream of income. But she’s willing to forgo that revenue so that she doesn’t have to worry about the increasing likelihood of a storm ruining her house. “My real concern is being an absentee owner and having to deal with major damage,” she says. She’s now considering retiring to a place that has fewer floods and natural disasters, such as Oregon.


    To be sure, not everyone has noticed an exodus. George Jalil, chairman of the board at the Miami Association of Realtors, says that home buyers aren’t fleeing en masse from climate change risks. Property values and sales in Miami-Dade county have actually increased this past year, he says. “Overall, there is a strong demand for local properties,” Jalil says. This is the case despite serious property damage in the low-lying area: a 2018 report found that lower-elevation homes in Miami-Dade county experienced $465 million in hurricane losses from 2005 to 2016.


    Jessa Madosky, 35, hopes the robust real estate market continues until she’s ready to sell her home in Lithia, Fl., near Tampa, and move out of state. As an assistant professor at the University of Tampa’s biology department, Madosky is especially attuned to how global warming is affecting and will continue to affect Florida.

    “With an increase in global temperatures and an increase in ocean temperatures, hurricanes are becoming more severe,” Madosky says. “Warmer air can also hold more water, so hurricanes will be dumping a lot more water when they come through.”


    Courtesy of Jessa Madosky

    Soaring Insurance Premiums Pinch Homeowners

    She projects that these changes will not only affect the real estate market, but will also increase the prices of homeowners’ insurance. The Federal Emergency Management Agency (FEMA) plans to adopt risk-based pricing in 2020, switching from the current, outdated system used by the National Flood Insurance Policy. A FEMA spokesperson says that the proposed redesign will offer a “more accurate assessment of risk to determine flood insurance policies.” The upshot? Coastal communities have a greater chance of experiencing sudden, soaring rates, experts say.

    If that’s not enough, a report from the Florida Office of Insurance Regulation projects that homeowners’ premiums from 15 of the state’s largest insurance companies will rise significantly in the next five years.

    They already have, in Madosky’s experience. “We were pretty shocked by the cost of insurance in Florida versus previously owning a house in North Carolina,” Madosky says. “The insurance cost is way higher here and it keeps going up by $100 to $200 a year.”


    Madosky and her husband want to avoid the financial losses of climate change as much as they can, and so they have come to an agreement: They will be saying farewell to Florida when they retire in about 30 years.


    Where will they go? “We’re thinking of parts of the Pacific Northwest because we love that ecosystem, but also because it’s away from the coastlines,” Madosky says.

    The couple likes that the region is close to Canada as well. Because just in case the Pacific Northwest doesn’t turn out to be a relatively safe haven from rising temperatures and storms decades from now, Madosky jokes, “we can always keep going north!”

    http://money.com/money/5638871/we-wi...ancial-future/
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  2. #2
    Senior Member JohnDoe2's Avatar
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    Miami is Ground Zero for nation’s climate emergency. What’s candidates’ solution?

    BY YOCA ARDITI-ROCHA

    JUNE 24, 2019 01:52 PM,UPDATED JUNE 24, 2019 02:10 PM


    https://www.miamiherald.com/latest-n.../flooding.jpeg (Click to see picture.)

    Miami’s Brickell neighborhood and other areas consistently flood, even on sunny days. MIAMI HERALD


    When Democratic presidential candidates arrive in Miami for their first primary debate this week, they’ll come face-to-face with a community that sees the effects of the climate crisis every day.


    The rising seas brought about by a changing climate are no theoretical future proposition for South Florida. In low-lying neighborhoods, we have begun to count sunny-day flooding — which occurs because of the regular high tides — in weeks instead of days each year.


    This slow-motion invasion is more than a nuisance; it and other warming climate affects are a genuine threat to our health and our livelihoods.

    Brackish seawater from higher tides seeps into the ground of porous limestone upon which Miami is built, tainting the freshwater aquifers where we get our drinking water. Sewers overflow and back up, spewing waste into neighborhoods.


    And while we’re used to dealing with hurricanes, the one-two-three punch of warming waters making the storms stronger, rising seas amplifying the threat a storm surge and beach erosion leaving coastlines more vulnerable means the damage wrought is that much worse.


    For many residents of our region, the possibility of a severe storm is potentially devastating. In Miami-Dade County, 58 percent of families are considered poor or working poor — leaving more than half the county one bad hurricane away from ruin.

    We saw similar destruction after Hurricane Michael came ashore in the Florida Panhandle last October. The Category 5 tempest, intensified by warming ocean waters, flattened homes and stripped the landscape bare. The region still hasn’t recovered, and won’t for years to come.

    And while Category 5 hurricanes are still rare, other warming climate and ocean impacts have become much less so. Beachgoers were chased from Florida’s shoreline for months last year because of the blue-green algae bloom and red tide, both of which were likely made much worse by agricultural
    runoff — from factory farms emboldened by weakened state environmental regulations —intensified by more rain, met with water warmed by the changing climate and fueled by excess carbon dioxide levels in the waters.


    For many of us in Florida, these toxic blooms do more than keep us from recreational activities. They can cause severe respiratory illnesses, cripple the tourist economy and poison sea life the fishing industry depends on.


    To those of us who live here, these facts are familiar. But the presidential hopefuls need to realize that this is not a conversation about the future; it’s here now.


    For the next year and a half, Florida will once again be a force in national politics. As they visit us for this first debate, ahead of the primary in March and after the nominee is chosen, candidates must hear what Floridians are saying about the urgency of the climate crisis.


    Advocates across Florida are pushing for solutions that will encourage ending our reliance on warming climate pollution and ramping up clean renewable energy. We need to put a price on pollution and redistribute that money as a dividend to all Floridians.


    Florida lawmakers have so far failed to put policies in place that would push our energy economy in this direction. We are one of only 13 states that haven’t set a renewable energy portfolio standard or goal, so we are punching well below our weight when it comes to generating clean and renewable energy.


    There’s no reason Florida shouldn’t be leading the nation on renewables — especially solar — reaping the economic benefits of jobs and innovations brought by the fast-growing renewable sector.


    Floridians need to demand more from their representatives in Washington, including Sens. Marco Rubio and Rick Scott. We need to push back against the current administration, which is once again toying with the idea of drilling off our shores.


    We spoke loud and clear when we voted last fall to pass a constitutional amendment against offshore extraction in state-controlled waters. This administration knows how unpopular offshore drilling is — it already backed off once for fear it could cost a Senate seat.


    The Democrats running would find they have strong support from Floridians for not only respecting our voices, but supporting a federal offshore ban.

    When the Democratic presidential candidates arrive in Miami, they will see South Florida’s communities fighting on the front lines of the climate crisis.

    The seas are rising, streets flood on sunny days. Storms are getting stronger quicker, days are getting hotter and algal blooms are getting worse. Polls show that climate change is increasingly a top concern for voters in Florida and around the country, and candidates that fail to put forward strong plans to mitigate its impacts will pay the price.

    We expect candidates to rise to this existential challenge and make climate action top priority in their agendas. We are in a state of climate emergency.

    http://money.com/money/5638871/we-wi...ancial-future/
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  3. #3
    Senior Member Beezer's Avatar
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    "For many residents of our region, the possibility of a severe storm is potentially devastating. In Miami-Dade County, 58 percent of families are considered poor or working poor — leaving more than half the county one bad hurricane away from ruin."

    -----------------------------------

    And the solution? Flood OUR states with MILLIONS AND MILLIONS of 3rd world, uneducated, overbreeding, disease infected, medically ill, poor illegal aliens, refugees, asylum and TPS parasites!!!!

    Foreigners who ARE bankrupting our local, state and Federal tax funds!!! Money that should be spent rebuilding our cities for the American people!!!

    10 year moratorium on all immigration, deport the 25 million here, and start spending those BILLIONS of dollars on the American people!!!

    TO BECOME AN AMERICAN YOU MUST CHANGE YOUR VALUES ...NOT YOUR LOCATION

    STAY HOME AND BUILD AMERICA ON YOUR SOIL

  4. #4
    Senior Member JohnDoe2's Avatar
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    NO AMNESTY

    Don't reward the criminal actions of millions of illegal aliens by giving them citizenship.


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