#storm damage coverage

[world-and-usa]

Home Insurance Explained: Everything You Need to Know Before You Buy !

Introduction: What is Home Insurance?

Buying a house is one of the biggest investments most people will ever make. It’s more than just four walls and a roof—it's your sanctuary, your safe space, and for many, a symbol of success. But what happens if a fire, natural disaster, or burglary threatens everything you've worked for? That’s where home insurance comes in.

Home insurance, also known as homeowners insurance, is a policy that protects your property and possessions against unexpected events. It’s not just a formality for mortgage lenders—it’s a safety net that helps you recover emotionally and financially when life takes a turn for the worse.

Why You Need Home Insurance

You might think, “I live in a safe neighborhood,” or “What are the chances of my house getting damaged?” But the truth is, accidents and disasters don’t come with a warning. Here's why home insurance is essential: Read More

[gabelew]

I wanted to draw teen Sidon and Bazz hanging out in Sidon's room, so it was a good moment to finally plan out said room study (that is just a part of his quarters).

It's actually Dorephan’s old quarters, repurposed after he outgrew them. He's responsible for like, half of the clutter, the rest is all Sidon.

[2inx4inx8inbrick]

April 2025 Dayton area flooding

taken 4/5/25 - 4/7/25

[purocleanzephyrhills]

Insurance Tips for Water-Damaged Drywall: What Zephyrhills Homeowners Need to Know

Dealing with drywall damage is hard enough—don’t let insurance confusion make it worse. If you need to repair water damaged drywall, knowing your policy details can save you time and money.

As water damage restoration specialists, we help Zephyrhills homeowners navigate claims with less stress.

What Insurance Typically Covers:

Sudden and accidental water leaks (burst pipes, roof leaks)

Appliance malfunctions (washing machine, water heater, A/C overflow)

Storm-related water intrusion if the roof or structure was damaged

Costs related to mold remediation, if caught early

Tips for Filing:

Document damage with date-stamped photos

Contact your provider before making major repairs

Keep receipts for repairs and restoration

Work with licensed pros to support your claim

Need help with both the fix and the paperwork? Contact PuroClean Zephyrhills for insurance-savvy water damage restoration.

[soon-palestine]

Hostages tortured to death. Parents executed in front of their children. Doctors beaten. Babies murdered. Sexual assault weaponised. No, not Hamas crimes. This is part of an ever-growing list of documented atrocities committed by Israel in the five months since 7 October – quite separate from the carpet bombing of 2.3 million Palestinians in Gaza and a famine induced by Israel’s obstruction of aid. And yet while the western establishment media has been chock full of the most lurid allegations of savagery directed against Hamas, sometimes with little or no supporting evidence, Israeli atrocities are excused or quickly forgotten. Accusations against Hamas are endlessly reheated to paint a picture of a supremely dangerous and bestial militant group, in turn rationalising the slaughter and starvation of Gaza’s population to “eradicate” it as a terrorist organisation. But equally barbarous atrocities committed by Israel – not in the heat of battle, but in cold blood – are treated as unfortunate, isolated incidents that cannot be connected, that paint no picture, that reveal nothing of import about the military that carried them out. If Hamas’ crimes were so savage and sadistic they still need to be reported months after they took place, why does the establishment media never feel the need to express equal horror and indignation at equivalent or worse acts of cruelty and sadism being inflicted by Israel on Gaza – not five months ago, but right now? Israel's torture of doctors, its sexual assaults of Palestinian women, it's leaving premature babies to die after its forces stormed a hospital. Where is the outrage? This is part of a pattern of behaviour by the western media that leads to only one possible deduction: Israel’s five-month-long attack on Gaza is not being reported. Rather, it is being selectively narrated – and for the most obscene of purposes. Through consistent and glaring failures in their coverage, establishment media – including supposedly liberal outlets, from the BBC and CNN to the Guardian and New York Times – have smoothed the way for Israel to carry out mass slaughter in Gaza, what the World Court has assessed as plausibly a genocide. The role of the media has not been to keep us, their audiences, informed about one of the greatest crimes in living memory. It has been to buy time for US President Joe Biden to keep arming his most useful of client states in the oil-rich Middle East, and to do so without damaging his prospects for re-election in November’s US presidential vote. If Russian President Vladimir Putin was a madman and a barbarous war criminal for invading Ukraine, as every western media outlet agrees, what does that make Israeli officials, when every one of them supports far worse atrocities in Gaza, directed overwhelmingly at civilians? And more to the point, what does that make Biden and the US political class for materially backing Israel to the hilt: sending bombs, vetoing demands for a ceasefire at the United Nations, and freezing desperately needed aid? Worrying about the optics, the president expresses his discomfort, but he carries on helping Israel regardless. While western politicians and commentators worry about some imaginary existential threat those brief events of five months ago pose to the nuclear-armed state of Israel, Israel is quite literally wiping Gaza off the map day by day, quite undisturbed.

[queerculus]

National coverage of the hurricane has been so heavily tilted towards the typical hurricane-affected areas that it is going almost completely unreported as of posting that the town of Chimney Rock, North Carolina has been completely leveled.

Aside from some residential areas, the entire town is gone.

I'm posting this because in the coming days and weeks there are going to be a lot of calls to help people who survived the storm and many are going to assume that this is business-as-usual hurricane season stuff, but it isn't. This storm tore through Appalachia, flooding regions that have literally never flooded like this. The hills and plants that hold soil in place have been severely damaged because this kind of weather event is so deeply unprecedented the plants that live here are completely unprepared for this to happen literally ever.

There are no undamanged highways in or out of Asheville. We can't even recover the phone and data networks until trucks can get into the area, and they can't get into the area because some of the roads are just GONE. The water was so fast and so intense it washed the dirt from underneath the pavement and chunks of road literally fell down the fucking mountains.

When you see things over the next few days asking for help, please understand that this is not typical hurricane season damage. Entire communities have been flattened. The infrastructure in much of the region is utterly destroyed and will take weeks just to begin recovery in some parts.

The phone and data grid are offline.

Power and water are out for most people.

The roads used for evacuation are undrivable.

This is an absolute nightmare scenario.

[technofeudalism]

i sincerely hope people aren't expecting another 4 years of "resistance" liberalism from predominately white folks in this country. they're already checked out. it's not just one study, either.

there are many more just like this.

for the vast majority of liberals, the next 4 years will be reserved exclusively for saying "fuck around and find out" to as many suffering people as possible. there will be no protests or mass rallies or whatever.

this is why the damage could be so much worse this time around. not only is the opposition more knowledgeable, but the people casting themselves as "allies" have decided to just pull up the ladder and weather the storm because they know they can survive through privilege and keeping a low-profile - a benefit that many, including queer people, minorities, immigrants, or anyone who isn't straight, white and Christian are not afforded in this country.

[felassan]

July 22nd DA:TV Game Informer article (their last DA:TV coverage article) on Everything we Know about Bellara - cliff notes:

Bellara is Dalish elf (played by Jee Young Han as we know). There might be more to her than meets the eye

"Now, with two of [the elven] gods on the loose, magic has poured back into the world in a big way"

CC is expansive

Bellara is the first companion we will recruit (Neve and Harding join automatically it seems)

She is a mage, a Veil Jumper (who she represents), quirky, energetic, effervescent, optimistic, bubbly, academic, a tinkerer, an explorer of ancient elven ruins

John Epler wrote her and led her development, and collective team effort from lots of departments brought her to life

The BW team really love her

Gary McKay quote: "I love Bellara, I think she's fantastic. I see people that I know in her and so that's how she really resonates with me. I love the whole tinkerer aspect to her. It was a collective to bring that character to life. It was everything from the writers, to the editors, the animators, to character modelers, to the texturing, to how we light her. I'm really proud of that character."

She is a good choice in combat for both support and elemental combos. She starts out as a support character, but can be built in other ways

She attacks with a bow at range using electrically-charged arrows. She can also cast time-slow and healing spells (she can be built to heal Rook autonomously). She does this by channeling magical energy into her gauntlet

As such she leans into electrical damage

Damage type matters a lot in the strategy and tactics of combat

She can unleash a devastating vortex to pull enemies into an electrical storm (an AOE spell)

She can debuff enemies with the shocked affliction, which makes them take passive damage

Corinne Busche quote: "Oh my goodness, she is amazing. [The Veil Jumpers] investigate the ancient ruins of Arlathan. Everything about her character as a mage leans into that, but she also challenges the kind of archetypal idea of a mage."

The Veil Jumpers journey through Arlathan where the ancient empire used to exist and left a lot of artifacts and magical technology behind when it disappeared

Bellara represents this yearning to find the truth of who the elves were after they lost their magic, immortality and a lot of their history

"they still left a lot of their artifacts and a lot of their, for lack of a better term, magical technology behind"

John Epler quote: "A lot of what they know of their past is based on myth, it's based on rumor. Bellara is a knowledge seeker. She wants to find out what's true, what's not; she wants to find the pieces of who the elves used to be and really understand what their story was, where they came from, as well as figure out where they're going next, and find a future for the elves. And within the context of The Veilguard, she joins the team, first of all, to help stop the gods because Bellara feels at least partially responsible since they are elven gods, but also to maybe find a little bit more of who they used to be. Because again, you're dealing with these elves that were around millennia ago that have now reemerged into the world, and who better to teach her who the elves used to be than them."

Magic's place in the world in DA:TV differs from prior games. In Tevinter and other spaces in DA:TV it's much more present by definition and the lore (though the devs wanted to make sure magic didn't violate previously-established lore rules)

Solas is a "determined and tragic character" who "tends to wallow". [nb, these are quotes from the article]. in contrast, Bellara has seen a lot of tragedy in her backstory (we will see this as we get into her arc), but instead of wallowing, she has forced herself to push past it. "She looks at her regrets, and she tells herself, 'I don't want to feel regret'

John: "Whereas again, Solas tends to wallow in his to a large degree. And it allows us to create a very big differentiation. Part of it is also because Solas is an ancient elf, whereas Bellara is a Dalish elf, but she just sees a problem and wants to solve it. She feels a tremendous amount of responsibility to her people [...] to the Dalish, and to the Veil Jumpers, and that drives her forward. That said, she does have her moments where she has doubt, she has moments where she has a more grim outlook, and there are moments where you realize that some of her sunny, optimistic outlook is kind of a mask that she puts on to hide the fact that she's hurting, she's in pain. But in general, she doesn't see any benefit to wallowing in those regrets."

[source]

[ilguna]

☼ the great war pt1 (Finnick Odair) ☼

summary; your relationship has been rocky with finnick lately, and each time you think you can let it go, it comes back full force. it isn’t until you’re injured on the way to storm the capitol, are you able to slow down and fix what’s wrong.

warnings; swearing, blood mention, ehh gore, weapon use, death/death mention, torture mention, emotional/mental abuse, cheating, use of derogatory names such as whore, slut, etc.

wc; 8.3k

notes; based off of the taylor swift song!!

part two.

--

Lately, you’ve spent a lot of your time reflecting on what could’ve been, instead of focusing on what is. It’s a process that you’re no stranger to. It’s a defense mechanism you turn to when you know a big storm is coming. And in this case, you’re facing two fronts, neither of which you actually want to look in the eye of.

There are a few events you’ve lived through that have permanently damaged the way you think and operate around problems. Which is why you like to hide in the past, hoping it’ll offer more comfort than the present, when it’s far from it. Your actions and life-changing decisions are usually made on a whim, done to inflict pain on another person after they hurt you.

Some of those times are obvious, starting when you volunteered for the Sixty-Eighth Hunger Games at seventeen, with absolutely no experience that would help you. It was done out of spite, hatred directed at your grandfather when he told you that you had no future working for District Four.

Your labor would have no real worth, because you’d be doing it for free beneath him. It was the ‘least you could do’ after he ‘rescued’ you from the group home, when he could’ve let you get lost in the system. He wanted you to work for him on the docks for the rest of your life, and you knew that if you agreed, you’d never get out.

So, you made a rash decision. When the Capitol escort asked for any volunteers following the original reaping, you jumped at the opportunity. You thought, ‘either I’ll die in the arena or I’ll come out a winner’. As long as you wouldn’t be working under that hateful man, you would accept your fate as it came.

To this day, you still call it one of your biggest mistakes. You’d been contemplating volunteering for weeks leading up to Reaping Day. Training had crossed your mind several times during that period, and you never got around to doing it. You got stuck on a fence, until your grandfather eventually pushed you to one side. You made the decision a couple weeks too late.

The Hunger Games went like they normally did, except nothing was in favor of Four that year. District Two had a distinct advantage from the beginning when it came to favoritism during the Tribute Parade, and for the longest time, you think their mentors were tipped off on what the arena would be, due to their costumes. 

While they usually dress for masonry—that year they looked like they belonged in a dust storm. A prophecy of what was to come. They proceeded to get the highest scores, the best audience reaction, and a perfect position when they came out of the tubes. One of the tributes from Two, the boy or the girl, were destined to win.

The arena was a sandy desert, and they had placed the Cornucopia right smack in the middle of it. There were cacti, tumbleweeds and rocks, but almost no coverage from the sun as far as the eye could see. You were a fish on dry land, and you were supposed to die.

The only reason why you won was because of a fight you had with the girl from Two, the only other surviving tribute after the twentieth day. You had suffered through strong and unwavering record-breaking heat, and shivered your way through terrifying thunderstorms that drowned everything in sight and left low visibility. The Gamemakers were going to extremes during the end, desperate for a quick winner.

Xanthe had run across you while you were trying to cool down in the shade of a cactus, applying aloe vera to your worsening sunburns. Your skin hurt no matter what you did to get some relief. You wasted two bottles of freshly cold water, donated by a sponsor to pour it on tender skin. The aloe vera worked for so long before your skin was just slimy. And no matter how hard you begged, sunscreen seemed to be off the table due to expense, or banned from being sent completely.

She tried to sneak up on you from behind, but you were ready. You knew that she had been tracking for a while, it was just a matter of time before she finally came across you. She swung her sword, you dodged, and then tore her apart with your knife. For a girl that had spent most of her life training for this very moment, she was too slow. 

And it cost her life. 

It took about fifteen minutes before you immobilized her. There was no coming back from an injury that severe. Once she was on the ground, you gave her a quick death, and then collapsed beside her. With your knees pulled to your chest, hyperventilating because of how hot the air was, you listened to the announcement of your win. 

The arena ruined the way you work entirely, especially after your district partner turned on you on the third day. During the fight, they claimed it was because you knew what you were doing, and it was scaring them. If they eliminated you, they’d be one step closer to the end.

It also taught you not to trust the people that surround you. The doctors that rescued you out of the arena had to strap you down because you were convinced they were going to kill you. When Finnick and Mags tried to gently guide you in the right direction with the interviews, you said that they were trying to control and silence you. 

And when you got home, it worsened. You were repeatedly told that you had to wait for your victor house to be ready, so you were instructed to stay with your grandfather in the meantime. He drove you crazy. Every single hour, almost on the exact same minute, he hounded you, claiming that you owed him part of your winnings. And if you didn’t pay, he would never leave you alone.

Between him and the Capitol cameras following you everywhere in District Four, you broke. Your complacency went out the window, as you threatened to turn your grandfather into a forgotten memory and told the paparazzi that you’d bring them to the wrong side of town if they didn’t get lost. 

No one took you seriously, of course. It wasn’t until you were in the middle of strangling your grandfather, did the district have to step in. Finnick was instructed to be on your elbow, no matter where you went, because you didn’t seem to mind him. He kept everyone at a distance, and ensured that you moved into your victor house five weeks before it was due to be ready.

By the time the Victory Tour came around, you’d begun to settle down. You cut contact with your grandfather permanently, and the mayor had him removed from your victor benefits, leaving him penniless. You begrudgingly went on tour, partially enjoyed the Capitol banquet, and then you were free.

Well, as free as you could be until the next Hunger Games came around in July, which is when another life-altering event took place. With you taking over for Mags, it opened new chances for President Snow. He let you have the first day, so the Tribute Parade went without a hitch, as you followed Finnick’s instructions while learning the usual protocol.

On the second day, the first training day for the tributes, you were pulled to the President’s Mansion, and told that you’d be joining the small group of victors that did his bidding. It was horrible news to receive, but you didn’t react that way, surprisingly. You took it and left. 

The whole situation alone was enough to kick up a lot of past problems. Finnick was apologetic, of course, telling you that he knew it was a possibility, but he thought that he would hear it first, at the very least. You didn’t blame him, it’s not like he was the one that suggested it to Snow.

Either way, for the longest time, physical touch gave you the chills. It didn’t matter who accidentally brushed against you, or put a hand on your shoulder. The fact that you didn’t know their intentions was getting to you. You never would have guessed that half of those Capitol citizens had the heinous thoughts they did.

Well, there was one person you didn’t mind, and that was Finnick. He was a year older than you, going through the exact same thing. He taught you some trade secrets that he’d gotten from the other prostitutes, and told you to use it to your advantage. If you wanted money, jewels, clothes or expensive and exotic foods, then you should press for it, because they would give you anything you wanted. 

It’s the only reason why Finnick has survived as long as he has in this industry. If he wasn’t getting what he wanted, he would’ve found a way out by now. 

Three years after you won, you went through a rebellious phase, and you got a boyfriend. By then, Annie had already won, and failed to take the attention off of you, like you’d hoped. She wasn’t stable, at all. The Capitol refused to focus on her, which meant no cameras, a short Victory Tour, and then she was swept under the rug. She wasn’t even recommended to take over mentoring.

It drove you up the wall. You understood why they did what they did with her, but it wasn’t fair. You wanted her to be your relief, the key to your freedom, and you would’ve had it, too, if she was just a little stronger than she is. 

When you first started dating your ex, Vaughn, it was perfect. He isn’t a victor, just one of the many district workers from the boats. He worked early morning shifts that ran into the evening some, but left his nights open so that he would have free time outside of work. 

You met him one night by accident at the market. You were running an errand for Mags before it got late, because she was going to host breakfast for all the victors at her house to discuss the upcoming Quarter Quell the following morning. It was four years away, but she wanted everyone to be prepared for the worst. Anything could happen. 

Vaughn had bumped into you as you were taking a step, almost knocking you over, if he hadn’t caught you first. He apologized profoundly, said that he hadn’t seen you next to him, and helped you straighten out your canvas bag with the goods inside. 

You don’t remember exactly what sparked the conversation. You think he may have recognized you as a victor, asking why you were on this side of town. Everyone knows uptown goods are more expensive and only slightly better in quality, which is why you don’t mind going downtown to shop for groceries. Especially since you know the people better.

You two got to talking, surprisingly had a lot in common, and agreed to hang out in the near future. From there, you hit it off, and quickly became attached at the hip. You vaguely recall Finnick getting uptight about it, but if he had something to say, he swallowed it, because he never told you.

Now, looking back, it’s obvious that he didn’t want you to date Vaughn. You’re sure that’s one of his own many regrets. If he had just told you how he felt back then, you wouldn’t have been put through two years of hell that have ruined your brain chemistry. 

Like you said, Vaughn was perfect. He knew you had victor responsibilities in the district and never held them against you. You’d usually take care of it in the morning, that way you could spend as much time with him as possible at night. And when the Hunger Games came around, he kissed you goodbye and wished you a good trip.

When you came home with no winner, he wasn’t there to greet you at the train station. In fact, he was nowhere to be seen. You spent three days looking for him all over District Four. And it took you waiting at the docks during shift change for you to catch him.

He was livid.

Vaughn started screaming at you in front of everybody, causing feet to slow, as men and women stood conflicted on whether or not to intervene. While his voice became louder and his motions more aggressive, you never flinched. Your expression didn’t change from confusion, as he called you every name off the top of his head associated with infidelity.

He called you a cheater, a liar, an adulterer, a whore, a slut.

It wasn’t until he started advancing on you, face turned a deep shade of red, did you place a hand on his chest to keep him back. You told him if he stepped a foot closer he would regret it, because you’d teach him how you like to solve problems when they appear violent.

That got him to snap out of it. He finished what he was doing on the dock, several passersby asked if you were okay, and you brushed them off. Your threat to injure him wasn’t a joke, you were fully capable of doing so if there was a need to. 

When he was done, you found a private street that was dead and dim. You told him that if he tries screaming at you, you’d walk and that’d be the end of it. So, he needed to explain to you why he was upset because you couldn’t understand the allegations. You were loyal. You are loyal.

You don’t know who did it, maybe one of the other victors in the village, or maybe it was speculation from someone in town, but he was informed that you had more than just mentoring duties in the Capitol. They didn’t use the word prostitute, they called you an escort. Which is almost the same thing, but it’s not exactly.

You were quiet for a while, trying to figure out who sabotaged you this way, and repeatedly drew up blanks. When you tried to tell him that you had no choice in the matter, and it was ordered by President Snow and you couldn’t just back down, he wouldn’t believe you. No matter how many times you explained it to him or if it was done in different ways, he thought it was bullshit. 

Even after you told him that you weren’t the only victor put in this position, he was insistent that you were cheating. The fact that you didn’t tell him of your duties beforehand solidified it in his mind. As long as you were a prostitute, you’d be cheating on him, and he wouldn’t see it any other way.

He wouldn’t hear you out, so solving the problem wasn’t even an option. You were forced to let it go, assuming this would be the last you’d hear about it, and it’d be brought up again in a year when the Hunger Games came around again. 

It’s clear it affected your relationship. For a while, he was distant and quiet, and he wouldn’t engage with you if you were in the mood. He stopped spending as much time with you after work, it didn’t matter if you had made plans, he’d bail and apologize later on. Although, none of them seemed sincere.

The more time grew on, you were sure that you’d be breaking up. When you tried to get him to talk out his feelings, he brushed you off and told you that he was busy. By November, you were getting ready to tell him you’d rather be single than be waiting on him everyday. 

He changed one weekend, and the two of you went back to normal. Vaughn went right back to hanging out with you, treating you to dinner, spending the night at your house. It was like the past four months didn’t happen at all. It was weird, and you were hurt by it, but chose peace over answers.

Which wouldn’t matter in the end, anyway. The Victory Tour came around for the most recent victor in January, and conversations came back full-force. He wanted to have a discussion about everything that happens in the Capitol, and got increasingly upset by the details. You were trying to be honest, and all it did was make things worse.

And then he scared you. Vaughn took a deep breath, the red in his face slowly diminishing as he told you it was okay. He’d already spent time making it even between you two, and he’d do it again next year when you went to the Capitol. He said that he’d repeat the process as many times as necessary until President Snow changed his mind.

In the three weeks you were away, he met a girl and slept with her. And then he proceeded to have a relationship with her for the next four months. He was moody and distant because he was ‘managing’ two girls at once, and he couldn’t handle it. When he came back to you in November, it was because he’d finally broken it off with her, believing that he’d made things right.

You didn’t know how to react to that information. You’re pretty sure you lost a little bit of yourself, going back on years of emotional progress. You couldn’t trust him anymore, and you made the mistake of telling him that. Vaughn promised you he’d do better, that he was all-in from then on, and he’d never touch another girl.

It seemed like it from the outside, and you even believed it. The truth is, for the next year and a half, he subtly tortured you. He didn’t do better, he was worse. Instead of cheating, he threatened to do it whenever you made him angry. He held the fact that he had no issue doing it at any time if he truly wanted to, and you wouldn’t be able to stop it. He dangled that girl above your head to keep you in place, and for some unknown reason, you let it work.

He made you miserable, but you didn’t want to leave him. You wanted it to work out with him. Besides, you were starting to see Capitol citizens back off when they realized that you had a district boyfriend. To them, you weren’t in pristine condition. You were dirty, you were being touched by someone that wasn’t like them. 

You hoped that if you held on for a little longer, President Snow would retract the agreement, and everything would go back to normal with Vaughn. Before he found out that you’re a prostitute.

When you came back from the Capitol after the Seventy-Third Hunger Games, you found out that he’d begun cheating again. It was the final straw with him. You thought he didn’t mean what he said about doing it every year, especially when you had been in a good spot. He warned you, though. He told you exactly the type of person that he was going to be, it was your fault you didn’t want to take his word for it.

The good news is that you’ve learned from this experience. Unfortunately, you learned from it in the exact same way you did with everything else you’ve lived through. 

You can’t trust the surface.

The breakup with Vaughn was messy and irritating. It took two weeks for him to finally understand you weren’t kidding when you said that you weren’t going to work it out with him. You didn’t want to put up with his bullshit. You were sick of feeling ashamed and upset all the time. You had to move on.

Of course, during the process of him accepting this, he never left you alone. It didn’t matter what time it was or what you were doing or where you were. He always found his way to you. You could’ve been in the middle of the district with Mags, you could’ve been at home with all the lights off or with Finnick in his house—he would come knocking on the door to talk to you.

It wasn’t to beg, either. It was to reason, which made the situation a hundred times worse. You might’ve entertained the idea of him apologizing and getting on his knees and telling you that he was stupid and he didn’t know what he was thinking. Instead, he fed you the exact same lines that he had before about getting even with someone else.

He was persistent. And it wasn’t until Vaughn showed up at Finnick’s house for the fifth time, demanding to see you, did Finnick snap and get the message through your ex-boyfriend’s skull. You didn’t want to be with him anymore because he was scum. You had better things to spend your time on, and he wasn’t on that list. 

Finnick was a lot meaner when he explained this to Vaughn, cursing like a true resident of District Four would. You remember standing behind the door, watching Finnick lose his patience, his tanned skin turning a deeper shade of red with every passing minute. 

Finnick had made you feel safe and seen.

Lately, it seems like you and Finnick can’t see eye to eye, anymore.

A lot has changed in regards to your relationship over the past year and a half. For a while, Finnick had been dating Annie when you’d been together with Vaughn. He broke up with her shortly after he stood up for you that night. And then for the longest time, the two of you were single, pouring your energy into the upcoming Seventy-Fourth Games.

Unfortunately, all effort was wasted, as it was a relatively short mentoring trip. The boy died during the bloodbath, and the girl was gone when Katniss Everdeen dropped the tracker jacker nest on the Career camp while they were sleeping. Your distractions were gone in the matter of a couple weeks, when you’d been hoping to have them for a little while longer.

Even worse, President Snow refused to allow you and Finnick to go home, despite how early your tributes had died. So, the idea of going back to District Four and rotting away in your house was out of the question. The only good news was that the clientele was slow, most likely enamored by the girl from Twelve that was defying the fate of those who came before her.

It left a lot of freetime, which you mainly spent on the couch with Finnick, watching the Games slowly roll on. There’s not much to do inside of the apartment, and it wasn’t like you could leave the Tribute Center, as much as you wish you could’ve. Snow had you on lockdown unless you were going to an appointment. 

It was boring at times, but you never felt lonely. You and Finnick were close—best friends, even. Although, it seemed as if you perceived each other differently, because being locked in a place together sealed the nail on a coffin you didn’t know you were laying in.

Finnick decided that he was going to ask you to be his girlfriend. However, he didn’t act on it until months later, during Katniss and Peeta’s Victory Tour, when he was sure that you’d had enough time to heal from the wounds that Vaughn inflicted. It was perfect timing, too, because you were beginning to think the same thing. 

Now, almost a year into your relationship, you’re starting to doubt whether it was the right choice to say yes to him. Especially since there seems to be unresolved feelings on both of your sides.

“Jackson, set up a two-person, round-the-clock rotation on Peeta. I need to have a word with Soldier Everdeen.” Boggs suddenly barks, sliding his communication device back into his pocket. Judging by the look on his face, the conversation with President Coin must’ve gone in the wrong direction. Or he didn’t hear what he was hoping to hear.

If you had to guess, it’d likely be the fact that Peeta shouldn’t be here with Squad 451—also known as the Star Squad—because he tried to kill Katniss. A few short weeks back, he, Annie and Johanna had been rescued from the Tribute Center in the Capitol. Following the abrupt ending of the Quarter Quell, half of the victors that were left alive had been split between District Thirteen and the hands of the Capitol.

Luckily, you, Finnick, Katniss and Beetee had been rescued out of the arena. Those remaining were taken and tortured, and in some cases, not. For example, they let Enobaria go completely because of her affiliation with District Two. And they never bothered to lay a hand on Annie, much to Finnick’s relief.

In all honesty, it’s probably not a great idea that Peeta’s here, but not much can be done about it, now. What Coin says, goes. You found that out when she told you that she was assigning you to this mission. Haymitch informed you that she was tired of listening to you and Finnick squabble all the time.

You’re not sure how your arguments have been affecting her, considering that you have spent maybe an hour with her, out of the months you’ve been in Thirteen. At the time, you were just thankful you were being let out of the cement tomb.

Boggs and Katniss begin to walk away from the Squad, leaving you with Jackson, the second in command. She makes a list on paper, pairing people together in silence, before announcing it aloud. To no one’s surprise, you’re made to be with Finnick. 

He wastes no time turning to you, “I wonder what made them decide on Peeta.”

“It’s not like they can send Johanna, she failed her final test.” You tell him, looking off at the train station. “I’m sure she’s feeling really useless right now, but they can use her elsewhere.”

“That’s not who I meant.” Finnick says, causing your face to twist.

You turn your head to look at him, finding his eyebrows pushed together. You squint at him, watching the distant look on his face grow. You clear your throat, “What? You think Annie would do better?”

He looks at you, the expression on his face fleeing, “This again? Really, (Y/n)? We’ve been fighting about this for weeks.”

“You’re the one that’s been talking about how worried you are about her state of mind. Of what she’ll do without you nearby.”

“I already explained to you what I meant, I thought we agreed to not bring it up again.”

You shake your head at him, “I didn’t agree to anything.”

“Well, I remember telling you that I wasn’t going to argue about it, because it seems like you just want to be upset by it.”

“I’m upset by a lot of things when it comes to you and her.”

“I know.” Finnick closes his eyes, sighing. “Can we please not talk about this right now?”

“Fine, if that’s what you want.”

“I want you to trust me.” He says, taking a step to walk away. “And for the record, I was talking about Haymitch, (Y/n).”

He leaves, heading for your shared tent. You cross your arms over your chest, looking at the ground, pushing the dirt around with the top of your shoe. When Jackson announces that she needs a couple volunteers to help Peeta set up his tent, you’re the only one that willingly agrees to it, wanting to keep your hands busy.

Leeg is ordered to help you. The two of you work together to shove the poles through the thin fabric, being careful not to puncture it. Peeta stands nearby, hands at his sides, watching you do this, expressionless. Behind him stands Messalla and Mitchell, guarding him.

It isn’t long before Katniss and Boggs return, both sporting the same unsatisfied look, meaning that conversation must’ve gone sour, too. Katniss’s face screws tightly, “What time is my watch?”

Jackson looks up from her paper, eyes narrowing into a squint as she stares at Katniss for a long second. “I didn’t put you in the rotation.”

“Why not?” Katniss asks.

“I’m not sure you could really shoot Peeta, if it came to it.” 

Katniss raises her voice, “I wouldn’t be shooting Peeta. He’s gone. Johanna’s right. It’d be just like shooting another of the Capitol’s mutts.”

You can’t help the way your lips curl with disgust. You stomp the last stake into the dirt, securing the tent to the ground to keep the winds from blowing it away. Leeg gives you a nod before she goes to talk to Messalla and Mitchell.

“Well, that sort of comment isn’t recommending you either.” Jackson says back.

“Put her in the rotation.” Boggs tells her.

Jackson blinks, shaking her head. She writes on the paper. “Midnight to four. You’re on with me.”

The dinner whistle sounds, cutting off the conversation from proceeding any further. In silence, you all follow Boggs to the canteen. For the first minute of the walk, you’re by yourself, until Finnick shows up. Nothing is said between you two, but it’s clear the annoyance is still present.

One by one, you collect your dinner, which looks more appetizing than what you were eating in Thirteen. There, all food was calculated to give you the most amount of nutrients without feeding you too much. You can’t say that you were hungry after dinner, but the portions were disappointing.

The squad gathers together in a circle to eat, you sit on the ground with your legs crossed to make it easier to hold the tray. Finnick starts by standing beside you, picking at the food. Eventually he crouches down, offering you part of his tray.

“I’m good.” You murmur.

Finnick lets out a sigh, “(Y/n)...”

You abruptly get to your feet, not wanting to listen to a lecture. You take a few steps away, dropping the partially empty food tray into a bucket that’s already halfway filled with other squads’ trays. 

While avoiding eye contact with Finnick, who’s gotten to his feet, you look at Boggs. “I’m turning in for the night.”

“Goodnight, (L/n).” Boggs nods.

You give him a smile that’s weak at best, and then turn to head to the tent that you share with Finnick. You flip the fabric open, step inside, and almost zip it completely shut behind you. And even though it’s late, and the pillow feels nice after a long day, you can’t force yourself to fall asleep.

In fact, you can’t sleep at all.

You spent the hours waiting for your shift to guard Peeta tossing from side to side, recycling the same thoughts you’ve had since you were sent on this mission; if dating Finnick is the best idea. Or rather, if Finnick is actually in love with you.

It seems like a ridiculous thought on the surface, but every time you go over what’s happened this past year, and compare it to what you already know about relationships, it becomes serious. The way Finnick acts reminds you of someone you try hard to forget.

You felt secure with Finnick in the beginning—for maybe the first couple of months—but as soon as the Quarter Quell was announced in the winter, it was like the center of his world shifted. Where you had just begun to hold the key to his heart, it was suddenly taken and regifted.

Finnick was worried about how Annie would react to the news and the possibility. He wanted to preserve her feelings and her mental health, so he began to work to get her on the same level as you and Mags, at the very least. Except, it was clear he had other expectations in mind, when he constantly brought up the idea of volunteering because she’s so fragile.

In the end, you let him win. When reaping day rolled around, you took one for the team and volunteered for Annie so that Mags wouldn’t have to. You cherished Mags far too much to let her go back, and you were hoping that Finnick would finally shut up about it. 

There was no gratitude from Annie, there was barely any acknowledgement from Finnick. Due to this, the loathing started, but can you really be the one to blame for it? You did something selfless for someone that had started to pull away the person you’d just begun to call yours.

The Capitol praised you for your act, you were quickly overshadowed. You weren’t the only fan favorite victor that was coming back this year. Cashmere, Gloss, Enobaria, Brutus, Beetee, Wiress, Finnick, Johanna, Chaff, Seeder, and Katniss and Peeta? Not to mention some of the lesser known but touched the hearts of the older Capitol citizens like Blight, Cecelia and Woof.

It was surreal, being thrown back into activities you hadn’t touched in years. You’d gotten so used to mentoring your tributes, that it wasn’t until you touched some of those weapons or life saving stations did you realize you were rusty. Or they had new protocols that could save a tribute faster than your old school techniques.

Either way, you knew you were in frigid water with Finnick during the interviews. You had poured your heart out, telling the citizens that you had found new meaning to life, and you were excited to see it through. You wanted the opportunity to grow old like Mags and have children like Cecelia. And you were hoping to do this with Finnick, under the assumption that he loved you the same way.

When it came to Finnick, he took his interview down a completely different path, destroying the idea of love you set up between you two. You were hoping if the tribute lineup had another set of lovers, they’d protest harder. He didn’t care for this. He went on to talk about the most important people in his life, where Annie was mentioned by name, and you were implied in there somewhere.

The seeds of doubt that were planted in the winter finally began to sprout in those three minutes. You were reminded of Vaughn, who took that girls’ feelings into consideration when he was cheating on you. You didn’t matter at all, because you were already in a relationship with him.

And there you were, going through the same process again.

The problem just continued to snowball, getting bigger by the day. The arena was fine for the most part, but as soon as you were rescued from the arena and brought to Thirteen, you never heard the end of it regarding Annie. It was the topic of every conversation you had with him.

How cruel it was that they took her from Four and brought her to the Tribute Center. They better not be torturing her because she can’t handle it. How could they use her as a weapon against him. What he would do if he ever got his hands on the doctors that touched her.

You were relieved when they finally sedated him and medically induced him into a coma because he was driving you crazy. Even Haymitch saw it, and while he tried to offer his own words of wisdom, it was useless in the situation that you’re in. You know that Snow took the people he loved, but you watched your ex-boyfriend take matters into his own hands to get back at you. 

You repeatedly got cheated on, managed to get out of the relationship, only to get with Finnick to watch the same warning signs start. 

He was worried sick when they sent the volunteers on the mission to retrieve the victors from the Capitol. He was restless waiting for them to land. He ran to her in the hospital.

And you watched from the corner of the room as they slammed into each other in an embrace that was not appropriate for exes. Between then and now, there have been dozens of fights you’ve had with Finnick over her and their uncomfortable friendship. He thinks that you’re exaggerating, and of course, you think that there’s something else going on there.

He won’t even hear you out anymore, acting like you enjoy having this fight every other day. The truth is that you’re tired of bringing the topic up and not seeing an ounce of change in his actions. It makes you question whether or not you’re making the right choice by staying with him.

It would be so much easier to let go than to continue to waste your breath.

Finnick must decide that it would be better if he slept outside tonight, because he never comes inside to join you. You feel a little guilty for this, but only because he only has the fire outside to keep him warm. He’s a grown man though, so he can make his own choices.

“These last couple of years must have been exhausting for you. Trying to decide whether to kill me or not. Back and forth. Back and forth.” Peeta says, breaking the recent silence. 

You’ve been listening to one of the soldiers cry since you decided to go to bed. If you had to guess, you think it’s Leeg. She just lost her twin sister yesterday or the day before, and Peeta has been sent as her replacement. It was a mislabeled pod that sent out blades instead of insects. The good news is she died quickly.

“I never wanted to kill you. Except when I thought you were helping the Careers kill me. After that, I always thought of you as… an ally.” Katniss responds.

“Ally.” Peeta says the word slowly, like it’s foreign on his tongue. “Friend. Lover. Victor. Enemy. Fiancee. Target. Mutt. Neighbor. Hunter. Tribute. Ally. I’ll add it to the list of words I use to try to figure you out.” He spits. “The problem is, I can’t tell what’s real anymore, and what’s made up.”

Some heavy breaths have been taken in the surrounding tents, as they accidentally disrupt those who have managed to fall asleep.

“Then you should ask, Peeta.” Finnick’s voice is nearby, practically outside of your tent. “That’s what Annie does.”

“That’s what Annie does.” You mock quietly, which is most definitely heard by him, because you can see the way his head turns to the side briefly, before focusing back on the fire in the center of camp.

“Ask who?” Peeta says. “Who can I trust?”

“Well, us for starters. We’re your squad.” Jackson tells him.

“You’re my guards.” Peeta points out.

“That, too.” She agrees. “But you saved a lot of lives in Thirteen. It’s not the kind of thing we forget.”

A silence follows as he digests this. You roll over in your sleeping bag so that your back is facing the light from the fire. You close your eyes, feeling your eyebrows push together as the annoyance washes over your body at the mention of Annie coming from Finnick’s mouth.

You just want to be done with this.

The following day is agonizing to get through without picking a fight in everything that Finnick does. It’s partially caused by the fact you didn’t sleep much. You were able to doze off sometime after Katniss and Peeta’s conversation came to an end, but awoke shortly after from a nightmare you had regarding Annie and Finnick.

With it being time for you and Finnick to take over for Katniss and Jackson, there was no time to fall back asleep. You spent four hours staring into the flames, brushing off Finnick every time he tried to get you to talk to him. At eight, Boggs woke everyone up for breakfast, and you were released from your duty of guarding Peeta.

Still, there was no time to sleep as Gale, Finnick, Katniss and you were swept away by the camera crew to shoot the glass windows of buildings for their clips. It didn’t last long, you were out there just past eleven. By the time you came back to camp, the soldiers from Thirteen were sitting with Peeta, playing a game called “Real or Not Real” where Peeta would ask a question and they’d have to answer whether or not it happened.

This went on for a while, until Jackson broke everyone up into a different watch, splitting you from Finnick. She does this so that Peeta has access to a soldier and someone that knows him relatively personally. You get paired with Messalla, who is thankfully more talkative than you are, because you can feel yourself shutting down more by the hour.

Unfortunately, you get stuck in your head for the rest of the day, lips almost completely sealed. If you pretend you’re not bothered by how close Annie and Finnick are, it’ll eventually become true, right? If you don’t let conversation about Annie get to you, then you won’t get fired up enough to get in a fight with Finnick. You two will be okay.

However, the only downfall of pretending was that every time Peeta had a question about District Four or what happened with Annie, you quickly deflected it, forcing Finnick to answer it. Which only continued to rub you the wrong way, despite the fact you had to remind yourself that it’s your fault.

It’s spineless, but it’s better than having an argument. It was clear in your actions that you were angry or at the very least upset, yet you never verbalized it. You let Finnick’s mood dampen until he could hardly stand to be around you except for dinner. And even though you sat side by side outside the tent, and it was pretty obvious you had something to say to him—you never did.

This time, you want to take another approach. All those arguments have brought you nowhere, and you’re tired of going in circles. If you try to talk about this with Finnick again, he’ll get defensive, you’ll get angry, and once again, you’ll be back where you came from.

So, you’ll just shut up and be quiet.

The next afternoon, Boggs informs the whole squad that you’re all needed to stage a propo a few miles out. Peeta claims that it’s because Coin and Plutarch are unhappy with the footage, and he’s right. It’s no one’s fault except for Thirteen, though, for practically wrapping everyone in bubble wrap. 

You’re not actually on a mission, you’re behind the front lines. You move camp every couple days to be close, but you’re never in real danger. Except for when pods are mislabeled and accidents happen, like with the Leeg twin. 

Nothing changes today, though. On the way to the area to film, Boggs tells everyone the block they specially set aside for you to play with is relatively out of danger. There’s even a couple of active pods they left behind for you to trigger. One of them should spray gunfire, and the other releases a net to trap the invader.

The group of you are made to suit up in heavy armor just for precaution’s sake, including the camera crew. Cressida talks to Boggs about how she’s planning on using more smoke bombs and adding gunfire as a sound effect to please those in Thirteen. Each person is given a gun, or allowed to take their specialty weapon, including Peeta. Boggs makes sure to tell him that his gun is loaded with blanks. 

Peeta shrugs. “I’m not much of a shot anyway.” He says, and then spends most of the journey in silence. Katniss and Jackson seem to keep a close eye on him, afraid that he’ll fly off the handles. At the halfway point, he finally speaks with irritation. “You’re an Avox, aren’t you?”

You glance over your shoulder to see that he’s talking to Pollux, face screwed tightly. “I can tell by the way you swallow. There were two Avoxes with me in prison. Darius and Lavinia, but the guards mostly called them the redheads. They’d been our servants in the Training Center, so they arrested them, too. I watched them being tortured to death. She was lucky. They used too much voltage and her heart stopped right off. It took days to finish him off. Beating, cutting off parts. They kept asking him questions, but he couldn’t speak, he just made these horrible animal sounds. They didn’t want information, you know? They wanted me to see it.”

When he’s finished speaking, he looks around and notices that everyone has stopped walking, staring at him. No one knows what to say, he asks, “Real or not real?” Silence. This upsets him more. “Real or not real?!”

“Real,” Boggs says slowly. “At least, to the best of my knowledge… real.”

Peeta’s shoulders fall. “I thought so. There was nothing… shiny about it.” He sighs, wandering away from the group, talking to himself. 

It’s quiet for a while while this information is settled in your mind. Only the sound of glass crunching beneath your boots fills the still air. Until Finnick clears his throat slightly, looking over at you.

“They must’ve done the same thing to Johanna.”

You hum, giving him a quick shrug. You wouldn’t say that. What they did to Johanna was completely different because Peeta and her are far from similar. Johanna has no one she loves, and she lacks the same compassion that Peeta has. She’s strong mentally, which is why they waterboarded and electrocuted her. It’s why they shaved her head to take away her individuality.

With Peeta, he cares more deeply about the people around him. He has a driving character. It was more meaningful to show him people that were familiar and to take away the ability to help them. Peeta’s the type of person to save others first, sometimes over himself. And he’s very memory-reliant, he likes to reminisce, which is why they made it hard for him to do without getting confused.

“Don’t you think?” Finnick asks, once he realizes you’re not going to respond without being prompted.

“No.”

“No?” His face twists.

“They’re different people. It’s clear the Capitol took different approaches.”

Two different people. You and Annie. You and Finnick.

“What about Annie? Do you think they—”

You sigh through your nose. “They didn’t have to do anything to Annie because being in the Capitol was torture enough. She can hardly leave the house without having a meltdown—something that you coddled. Snow didn’t have to lift a finger. You know this.” You snap.

Finnick doesn’t speak for a couple minutes. “That was unfair of you to say that about her.”

You roll your eyes and turn your head away from him. Maybe if you’d stop speaking to me about her, you think bitterly. Every conversation you have, she’s brought up. The doctors at Thirteen have told you two that she’s fine, and the memories she’s recounting are from when she was rescued out of the arena. Which was five years ago. 

They know this because the technology she’s recalling has been discarded. They use different machines now. And the medical team they used then have since retired, because there’s a strict contract on how long they can work for. Finnick doesn’t want to believe this, he just wants to listen to Annie because she’s the victim.

You’re not blaming her for being traumatized, you’re blaming him for enabling it. Again.

The air is tense, but you’re right around the corner from the residential building the prop will be taking place in front of. Boggs pulls out the Holo to show you a projection of the street. The gunfire pod is about a third of the way down the street, above an apartment awning. Bullets should be enough to trigger it.

When it comes to the net pod, it’s at the far end, almost around the next corner. This makes several people perk up, everyone volunteers to set off the pod, except for Peeta, who doesn’t seem to be interested. Katniss gets skipped, and she’s sent to Messalla to fix some blemishes on her face.

Boggs takes this time to direct everyone, Cressida sets up Castor and Pollux to capture the perfect angle. Messalla throws a couple of smoke charges to set the scene, with Cressida calling, “Action!”

Together, you walk down the purposely hazy street, which vaguely reminds you of the Block back in Thirteen. You blow out a couple of windows as you were told, but Gale has been assigned the real target. When he hits his designated pod, everyone ducks for cover. You settle for crouching behind a pale green wall with white florals painted on. 

A hail of bullets sweeps back and forth. As soon as it’s finished, Boggs orders you forward. Before anyone can move, Cressida declares she needs close-up shots, meaning you’re forced to reenact your reactions one-by-one. Thankfully, your position was fairly captured, so she excuses you, but tells you not to move a muscle.

The others have to fall to the ground, dive into alcoves and grit their teeth. Katniss presses her lips together in discontent, yet she participates anyway. The good news is that there is one terrible actor in the squad, and that happens to be Mitchell. Castor plays back the new footage of Mitchell grinding his teeth and flaring his nostrils.

It turns mostly everyone into a giggling mess. Even Boggs, who firmly orders, “Pull it together, Four-Five-One.” Only to turn away and smile to himself. 

You watch as he pulls out the Holo, checking the location of the next pod to be safe. He lifts the device in the air to get a better look at the projection. He takes a step back on the orange paving stones.

An explosion splits through the air.

[ootron]

Fundraiser to fix flood damage at my parents house

hi, so i've never had to make a fundraising post but unfortunately my parents' house just suffered major storm damage that insurance is not going to cover at all because the roof was "in disrepair"

to summarize, on the night of december 17th there was a huge storm in the NJ area that dumped around 4 inches of rain in a very short time. my parent's were in the middle of getting their roof replaced, but unfortunately the contractor was going extremely slowly. this meant the roof was unprotected and essentially blew off during the storm, letting water ran into the ceiling and down the walls. the ceilings and all the drywall and insulation are shot and need to be replaced, and the roof especially needs to be replaced ASAP. they'll probably need a new contractor. unfortunately, the person they were using before did not have any kind of insurance coverage so his insurance will also not cover anything.

this is going to cost a lot of money and my parents have already been having a lot of financial difficulties the past few years. any donations are appreciated, even if it's a dollar. thank you!

link to the donations:

[rjzimmerman]

Excerpt from this story from the New York Times:

At first glance, Dave Langston’s predicament seems similar to headaches facing homeowners in coastal states vulnerable to catastrophic hurricanes: As disasters have become more frequent and severe, his insurance company has been losing money. Then, it canceled his coverage and left the state.

But Mr. Langston lives in Iowa.

Relatively consistent weather once made Iowa a good bet for insurance companies. But now, as a warming planet makes events like hail and wind storms worse, insurers are fleeing.

Mr. Langston spent months trying to find another company to insure the townhouses, on a quiet cul-de-sac at the edge of Cedar Rapids, that belong to members of his homeowners association. Without coverage, “if we were to have damage that hit all 17 units, we’re looking at bankruptcy for all of us,” he said.

The insurance turmoil caused by climate change — which had been concentrated in Florida, California and Louisiana — is fast becoming a contagion, spreading to states like Iowa, Arkansas, Ohio, Utah and Washington. Even in the Northeast, where homeowners insurance was still generally profitable last year, the trends are worsening.

In 2023, insurers lost money on homeowners coverage in 18 states, more than a third of the country, according to a New York Times analysis of newly available financial data. That’s up from 12 states five years ago, and eight states in 2013. The result is that insurance companies are raising premiums by as much as 50 percent or more, cutting back on coverage or leaving entire states altogether. Nationally, over the last decade, insurers paid out more in claims than they received in premiums, according to the ratings firm Moody’s, and those losses are increasing.

The growing tumult is affecting people whose homes have never been damaged and who have dutifully paid their premiums, year after year. Cancellation notices have left them scrambling to find coverage to protect what is often their single biggest investment. As a last resort, many are ending up in high-risk insurance pools created by states that are backed by the public and offer less coverage than standard policies. By and large, state regulators lack strategies to restore stability to the market.

Insurers are still turning a profit from other lines of business, like commercial and life insurance policies. But many are dropping homeowners coverage because of losses.

Tracking the shifting insurance market is complicated by the fact it is not regulated by the federal government; attempts by the Treasury Department to simply gather data have been rebuffed by some state regulators. 

The turmoil in insurance markets is a flashing red light for an American economy that is built on real property. Without insurance, banks won’t issue a mortgage; without a mortgage, most people can’t buy a home. With fewer buyers, real estate values are likely to decline, along with property tax revenues, leaving communities with less money for schools, police and other basic services.

And without sufficient insurance, people struggle to rebuild after disasters. Last year, storms, wildfires and other disasters pushed 2.5 million American adults out of their homes, according to census data, including at least 830,000 people who were displaced for six months or longer.

[goodbyedreamland]

one thing probably missing from news coverage (idk I haven’t been able to look at news in days) is that the disaster is ongoing. my sister’s car was just totaled and she was very nearly killed by a falling branch while driving somewhere just to get cell service. we’re still under land slide warnings. any rain brings fresh hell. people are missing, people are trapped in their damages houses with dwindling or no supplies. entire sections highways, roads, entire towns are gone. i don’t mean flooded or damaged i mean swallowed whole. and we might be getting another storm soon. idk why I’m posting I guess I just feel the need to scream this into the void

[torchickentacos]

Hey, so this is a little out of my wheelhouse and not an area of expertise, so feel free to correct me on things in reblogs of this post. That said, everyone should start paying closer attention to weather and learning how to read radars, how to read SPC (Storm Prediction Center) outlooks and checking them daily, and how to look outside and make educated guesses on local weather with all the information available to you.

It's important to learn more about local (especially severe) weather patterns now more than ever. Last night (5/16/2025), extreme weather tore through a lot of places in the US, and according to a NY Times article linked here, a Kentucky weather station had no overnight forecaster due to government cuts. This was during a tornado outbreak with multiple fatalities in a state/region that does not get violent tornadoes often; therefore, during a situation in which quick, accurate, widespread information was incredibly important to provide and receive, and that didn't happen for a lot of people. It's good to find other sources of information right now, since govt cuts have a death toll.

As far as other sources go (feel free to add onto this), local weather channels may be hit-or-miss depending on your area, I can't personally vouch for every weather station in America, but it's worth knowing which channel it's on and trying to find time in your day to tune in every day, and tuning in during outbreaks. Getting a weather radio is also a great option, though not one that's immune from govt cuts (the broadcast is provided through the NOAA, I believe). Now, I'm not the type to shill for youtubers, but Ryan Hall and Max Velocity on Youtube both go on ad-free livestreams during severe weather events and they provide country-wide coverage, hopping from warning to warning across states as they pop up and develop. They both have stormchasers on the ground to watch and track these storms. They often provide warnings for people before the NWS (National Weather Service) officially issues them, and anecdotally, I've noticed more and more NWS-unwarned tornadoes. Given staffing and budget cuts as seen in Kentucky, it's not fully unexpected. I'd find other avenues of weather coverage that aren't government-official warnings right now. I wouldn't ditch government warnings entirely (Please don't, actually! They're still life-saving! Sign up for phone alerts and keep them on!), but I would use them alongside other avenues of information.

TL:DR, if you're the kind of person who gets their weather information from phone alerts only, I'd diversify that and add other ways to get information ahead of time (as well as during).

It's worth noting that a lot of the things I've mentioned (if not all of them), including SPC outlooks and the information that local meteorologists rely on, operate because of or in part due to government funding and employees. Which, as noted, may not be as quick or reliable as it has been in the past. This is why it's important to use a wide variety of sources in conjunction with each other. If one avenue of information is falling short, hopefully another can help make up for that. And if you are in an area prone to severe weather (even if not, it's good to know regardless), be sure to have an action plan in place for weather emergencies. Know how and where to shelter in the event of different types of severe weather. Learn which part of your house is the safest from tornadoes and wind damage (lowest level, no windows, put the most walls between you and outside, wear shoes). Just try to be more aware of local weather, because you may end up not getting an official broadcasted warning when you need one, and it'll be up to you to decide how to proceed in order to stay safe. Check outlooks, know when you're in the risk zones. Stay safe.

[deadpresidents]

Everyone knows about Lincoln and Garfield and McKinley and Kennedy, the quartet of America Presidents who fell victim to assassination. Even the most casual observers of Presidential history can probably name the four Presidents who were murdered while in office, and many even know the names of the four assassins responsible for their deaths: Booth, Guiteau, Czolgosz, and Oswald.

There have also been quite a few (in)famous unsuccessful assassination attempts, where Presidents barely escaped with their lives, that many Americans are familiar with, including (but not limited to):

•Richard Lawrence's miraculously unlucky double misfire on the steps of the U.S. Capitol in 1835 which left Andrew Jackson unharmed but resulted in Lawrence -- who would be found not guilty by reason of insanity -- getting viciously pummeled by the cane-wielding President Jackson until Davy Crockett intervened to save the would-be assassin from the 67-year-old President. •The shooting of former President Theodore Roosevelt in Milwaukee as he sought another term in the White House during the 1912 Presidential election. Despite being shot in the chest, Roosevelt decided to go ahead and deliver his campaign speech before being taken to the hospital where doctors discovered that the bullet lodged inside of TR had first passed through a case for his eyeglasses and the thick pages of his speech in his jacket's pocket, lessening the damage from the gunshot. •The attempted assassination of President-elect Franklin D. Roosevelt in Miami in February 1933, just seventeen days in before FDR's Inauguration, which wounded four people and killed Chicago Mayor Anton Cermak. •The ill-fated 1950 attempt by Puerto Rican nationalists to storm Blair House (the temporary Presidential residence during the renovation of the White House) and kill President Harry S. Truman as he was napping. Truman was not hurt, but a White House Police Officer and one of the two assassins were killed during the wild shootout. •President Gerald Ford's trouble with two California women who separately tried to kill him in Sacramento and then San Francisco just two weeks apart in September 1975. •The shocking shooting of President Ronald Reagan in broad daylight from just a few yards away as he exited the Washington Hilton following a speech in March 1981, which left four people wounded and very nearly killed the 70-year-old Reagan just two months into his Presidency.

But what is amazing is that, in this age of instant information and the constant regurgitation of media coverage via the 24-hour news cycle, very few Americans know that there is a man sitting in prison in the former Soviet Republic of Georgia for attempting to assassinate President George W. Bush. What even less Americans realize is how close Vladimir Arutyunian actually came to accomplishing his task.

On May 10, 2005, President Bush spoke to a large crowd at an outdoor rally in Tbilisi, Georgia. In one of the photos at the top of this post, Bush is seen speaking from the stage in Tbilisi. The other photo is of Arutyunian holding a plaid handkerchief close to his chest. Wrapped in that handkerchief was a live hand grenade.

As President Bush spoke, nearby sat his wife, Laura, Georgian President Mikheil Saakashvili, and the Dutch-born First Lady of Georgia, Sandra Roelofs. They had no idea that, during the speech, Arutyunian tossed his handkerchief-wrapped grenade towards the stage. The grenade landed just 61 feet away from President Bush, well within range of causing serious injury, if not death.

Of course, the grenade did not explode. At first, it was thought to be a dud, but upon closer inspection it was discovered that the only reason the grenade didn't explode was because Arutyunian's handkerchief -- used to conceal the explosive as he stood in the crowd -- was wrapped too tightly around the grenade, preventing the firing pin from deploying. A Georgian security official noticed the grenade, grabbed it quickly and disposed of it as Arutyunian disappeared into the massive crowd and President Bush continued speaking.

After Bush's speech was over and once it was recognized that the President had only narrowly escaped a legitimate attempted assassination, Georgian police worked closely with the United States Secret Service, the FBI, and the U.S. Justice Department to investigate the assassination attempt and find the would-be assassin who seemingly melted into Tbilisi after his brazen, albeit unsuccessful attempt on Bush's life. Using DNA evidence and tips from informants, the Georgian police ultimately tracked down Arutyunian two months later. When they went to arrest Arutyunian, a gunfight broke out and Arutyunian killed Zurab Kvlividze, a top counterterrorism official with Georgia's Interior Ministry. Arutyunian was wounded before finally being captured with the assistance of Georgian Special Forces.

The Georgians tried Arutyunian on the murder of the police officer, as well as the attempted assassinations of President Bush and President Saakshvili. Arutyunian was sentenced to life in prison with no possibility of parole. A federal grand jury in the United States also indicted Arutyunian on the federal charge of the attempted assassination of the President of the United States, which is a felony. The U.S., however, has not attempted nor has any potential plans to extradite the failed assassin from Georgia, and Arutyunian will almost certainly spend the rest of his life in a Georgian prison.

[fruitseason]

The RMS Titanic hit the iceberg 113 years ago today and sank early the next morning and I’m here as a lifeboat truther

One of the easiest and most common critiques of the ship’s design is that there were not enough lifeboats for everyone on board. While undoubtedly a tragedy that augmented the loss of life, it’s a critique that gained traction through both the bias of hindsight and through people taking a (reasonable, but not fair) modern view of ocean liner safety.

Lifeboats today are metal full coverage boats that look like miniature subs. You can launch them into choppy seas and they (plus the liner itself) have modern GPS and communication devices that make the odds of a boat getting picked up much higher, in less time and in worse conditions than the Titanic suffered.

In the Edwardian era, this experience was not so. In addition to ships being slower and navigating via compass and sextant, the safest option was - unless absolutely dire - to stay on the boat.

Passengers get caricatured as overconfident and snobby, not wanting to go into cold night air at the loss of their life - but boarding a lifeboat was often a higher risk than staying aboard and waiting. A lifeboat was easily capsized, set adrift, lost in rough waters, or sucked into the sinking ship and/or a propeller. The water, famously, was also freezing.

Harland & Wolff tried to design the Titanic to be its own lifeboat, and they did so by building the ship above and beyond the safety standards of the time - and by planning for risks that they were aware of. To ‘be its own lifeboat’ the Titanic had 16 watertight compartments, where several could be broached and fill with water, but reach an equilibrium point that would allow the ship to stay afloat and wait for rescue.

The designers were building a ship and not a submarine; so while not wholly watertight, the design with the compartments and the double bottom would’ve kept the ship afloat for hours if not days in functionally all scenarios except the freak accident that happened - Titanic could’ve stayed afloat with 4 compartments compromised, the iceberg opened 5.

The Titanic was designed for collisions, groundings, storm damage, fire risk, air circulation, really every plausible event that had happened to ships in the past. It was on a common sailing route where other ships knew its location. Hitting an iceberg, sustaining damage to both the double bottom and opening five compartments to water is such a statistically unlikely occurrence it made no sense to plan for. It’s a tragedy because of this; it’s really just horrendous luck. Everything that needed to go wrong, from the phase of the moon to the fantastic-but-not-flawless design, did.

Removing the sufficient number of lifeboats is widely believed to be purely aesthetic, but that is due to 1997 film Titanic, which is fiction and not a source. The use of the lifeboats was fairly regarded by the ship’s designers as an absolute last resort, and the ship was reasonably constructed to have every other plausible safety measure in place so it need not get to the point where they were needed. Every other safety measure just failed.

[rigginsstreet]

in the mood for rival actors!harringrove where steves the hunky heartthrob star of some soapy drama that has a huge rabid fanbase, and a few seasons in billy gets cast to come in and shake things up, a new hot actor on the rise, definitely a snob, thinks his shit dont stink. hes hell to work with. coming in late and hungover because hes gotta hit up all the hot hollywood parties, is the new It boy.

steve gets pissed cuz hes committed to his craft okay? he takes acting seriously. to the point where he'll stay long hours filming with his costars when its not even his coverage, he just wants them to have a good performance to act off of. meanwhile any time its time to film steves close ups in a scene with billy, if billys wrapped for the day hes fucked off and they gotta get a stand in. or on the rare occasion he does stay he just deadpans his lines, gives steve absolutely nothing to work with which pisses him off. and no ones gonna do anything about it because when the cameras actually on billy? he's electric. cant take your eyes off him. even steve has to admit hes damn good at his job, but he wishes he'd be a goddamn team player sometimes!

so of course rumors of a rivalry leak out to the press and the shows PR has to do damage control. steves on red carpets being interviewed about it like "haha no we're fine we're buddies. dont believe everything you read" meanwhile on set theyre at each others throats between takes

and one day it blows WAY up. to the point where billys storming off set cuz steves being a bitch and he cant work like this! but steves hot on his heels following him straight to the trailers, theyre yelling the whole time, everyone in production is steering clear

they end up in billys trailer. theyre still yelling. everyones waiting outside being nosy trying to make out whats happening. and then the smashing happens. things are falling inside and breaking and the trailers rocking a little and assistants are whispering if someone should go inside and break up whatever fight is happening someone should step in right?

but by the time anyone gets the courage to go in, the doors opening. billy and steve step out. well, steve kinda runs out, back to his own trailer, head down, not making eye contact. billys standing there a little disheveled barking "dont you fuckers have somewhere to be?" and everyone disperses.

the talk around set later is how everyone finds it stranger how neither billy nor steve seemed to have had any bruising or injuries or signs of a physical altercation considering the ruckus that was being made.... so thats a little weird...