Monthly Archives: April 2017

Random Inflation

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I live in the middle of the Florida Keys where I have flood insurance and windstorm insurance as separate policies from my “traditional” homeowner’s insurance.

The premiums went up this year.

Again.

A lot.

FEMA runs the National Flood Insurance Program which “aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners…” They have lousy aim.
The state-run Citizens Property Insurance Corp provides windstorm insurance protection to Florida policyholders. The “financial responsibilities [imposed by the Florida law] drive Citizens’ commitment to quality customer service and rigorously sound financial management.” Their aim is much better since premiums have skyrocketed. They have 459,797 windstorm policies in Florida overall and 17,264 of the 22,663 wind policies here in the Keys.

When I realized how much my premiums went up and how much my Social Security didn’t, I got to wondering why. After all, these are all government programs, driven to customer service and affordability. And we know the government ties everything to the Consumer Price Index, right?

Inflation and its Effect on Premiums

The Bureau of Labor Statistics “is the principal Federal agency responsible for measuring labor market activity, working conditions, and price changes in the economy.” They collect and analyze that data and then tell us about it. We the Overtaxed People as well as the U.S. Congress, other Federal agencies, and State and local governments depend on BLS data every day. The Consumer Price Index may be their best known number among older Americans. Current Employment Statistics may be the most quoted in the press. They have more.

The official BLS inflation calculator shows there has been 14% change in the CPI since 2009.

The official Cost Of Living Adjustment (based on the CPI) increased 0.0% in 2009, 0.0% in 2010, 3.6% in 2011, 1.7% in 2012, 1.5% in 2013, 1.7% in 2014, 0.0% in 2015, and 0.3% in 2016. Because “inflation has been very low in recent years,” Social Security recipients did not get a COLA increase in 2010 or 2011. SWMBO, who received about the average monthly Social Security through that entire period, has seen her check increase 7.7% from 2009 through 2017. Recipients did (sort of) receive a cost of living adjustment this January but most saw no increase in their monthly check because the government’s own Medicare Part B insurance premium went up more than the COLA.

Meanwhile, my FEMA-run flood insurance has risen 75% from $1,173 in 2009 to $2,051 today. Citizens more than doubled my windstorm premium, a 224% hike, from $2,149 in 2009 to $4,816 last year. It will be even more this year.

The liberal ideal is “Medicare for all” because they say it will drive costs down, but if FEMA and Citizens are examples of efficient, affordable government programs, we should be very, very afraid of all of these “ideal” liberal programs.

 

You Peed in the Pool!

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And we have proof. Swimming pools are full of piss but rarely vinegar.

Olympic swimmers do it. Babies do it. Elderly great-grandmothers do it. A 2012 U.S. study verified that nearly one-fifth of Americans do it and an American Chemical Society study performed at the University of Alberta confirms that everybody pees in the pool.

It’s just the amount that might surprise you.

At the same time, our beach club owners are bumping heads over whether to install an outhouse. It is not a trivial question. There is a real concern among beachgoers about people peeing in the ocean but our beach is a nice sandy lot with neither electricity nor sewer. Planning for accessibility, the engineering and construction costs, a sewer hookup, and running water and electricity are all significant issues.

Does it really matter if you pee in the ocean? Or your pool?

The environmental toxicology experts at the University of Alberta found a way to measure the concentration of urine in pools thanks to our lurve of sugary snacks, particularly sugary snacks at the seashore.

Calling Ace K. Snackbuster!

Acesulfame potassium, better known as “Ace-K,” is an artificial sweetener now commonly found in the much of what we eat and drink.

Sales of diet sodas have dropped by nearly 20% since reaching a peak of $8.5 billion in 2009 while energy drinks grew from $12.5 billion in 2015 to an expected $21.5 billion this year.

Whether your soda pop has sucralose or aspartame the chances are good it also has ace-K which is around 200 times sweeter than sugar. Other foods that contain acesulfame potassium include fruit juices, non-carbonated beverages, and alcoholic beverages, baked goods, cereals, chewing gum, condiments, dairy products, desserts, ice cream, jam, jelly and marmalade, marinades, salad dressings and sauces, tabletop sweeteners, toothpaste and mouthwash, and even yogurt and other milk products.

Acesulfame K isn’t broken down or stored in the body. Instead, it’s absorbed into your system and then passed unchanged in your urine.

The researchers determined how much of the water was urine simply by measuring the concentration of Ace-K in the water.

So how much urine is in your pool? Or my beach?

All of the pools and hot tubs the team tested contained urine. The study found that typical backyard pools contain about 20 gallons each.

Your kitchen trash can holds about 7 gallons. Imagine if one of your (very productive) friends filled it three times and dumped it in the pool!

We all know that urine is sterile but the other compounds we pass, including urea, ammonia, and creatinine, become dangerous when mixed with the pool chemicals. They can lead to eye and respiratory irritation and even asthma in those exposed long enough.

It’s worse in the ocean where they can turn the water green.

Beach Lady, Green Water