Polls

Assuming you are soon to be a parent and you are having a gender reveal party, which are you hoping for a girl or a boy?

As a teenager did you have shaving cream and egg fights?

Was there vandalism or other mischief involved?

How old were you when you stopped trick or treating?

Did you have / will you have a "candy tax" on the diabetes haul as a parent? Did parents take some of your favorites?

The main problem is that it doesn't really function like private insurance. It does NOT assess flood risk for EACH property; instead, premiums reflect average historical losses within a property’s risk zone. Moreover, the floodplain maps determining a property’s risk zone are often several decades out of date. As a result, premiums may bear NO relationship to the true risk of flooding. The cost of an federal policy averages about half of what would be a market rate. Congress actually mandates this inaccurate pricing method. In 2014, it hastily revoked a few tentative steps at reform after constituents complained loudly when they tried to charge something approximating market rates for flood insurance.

Who benefits from flood insurance? People in flood-prone Gulf states like Louisiana and Florida, of course. But many beneficiaries also share another characteristic: they are upper income. The program does not charge nearly enough to cover the expected costs of its liabilities. The assessments are not sufficient to build any buffer to cover an extraordinary year, such as what occurred with Hurricane Katrina in 2005 or Hurricane Sandy in 2012. Because homeowners don’t incur the full cost of building in a flood zone we end up with more houses there than if homeowners incurred the full cost of the flood risk, which exacerbates the government’s costs in the next disaster. The optimal solution would be for the government to get out of the flood insurance business entirely and leave it to the private market, which would endeavor to accurately measure risk and charge a price for its insurance that covers the expected costs. Smart reforms would also help Congress refrain from throwing money at disasters, bailing out homeowners who shouldn’t have built in flood-prone areas to begin with. Sensible long-run incentives to mitigate damage would discourage such homebuilding by exposing homeowners and businesses to the real cost of building in floodplains.

Hey Dear sisters, I could really use some advice. So, I’m in a loving relationship with this girl, and we’ve been together for 2-3 months now after being friends for over a year. She’s been emotionally supportive, and I’ve really grown to care about her. We flirt, tease, and imagine scenarios, but here’s where I feel stuck…

I’m not super experienced in relationships, and I’m not sure how to take things to the next stage—like, we’re still at the hand-holding and cuddling stage, and I’m not sure how to transition from that to something deeper. I want it to feel natural and not forced, but I just don’t know what’s the right way to go about it.

Another thing is, I’ve been feeling a bit insecure. She’s still in touch with her exes and occasionally drinks and smokes with them. I don’t drink or smoke, so I don’t go to those hangouts, and I trust her, but I can’t help but feel insecure about how she sees me compared to them. I know she says she loves me a lot, but I wonder if my lack of experience or not being part of that lifestyle makes me seem less exciting to her.

Do you have any advice on how to handle these insecurities and move our relationship forward, both emotionally and physically? I really care about her, and I don’t want my feelings of insecurity to mess things up. Would love your perspective on this. 🙏

Okay ladies, if you’re married to your husband with two kids at the time, they are very young, like one is 3 and the other is 5 years old, and y'all also have a puppy. There is a hurricane coming that’s been said and told on the news to be prepared and leave as soon as possible since it’ll be in category 5. So, you and your husband prepared to leave with your kids, but in this scenario, there is the husband's cousin who is into voodoo like a voodoo witch or something like that, but the dad doesn’t mess with her like that. The husband wants to go with his wife and kids together so that when the hurricane comes, they all leave together as one as a family, but the wife made the choice to leave her husband with the two kids and go with his cousin and leave the city in the midst of the hurricane approaching. The husband/dad alone with the puppy is alone and has to survive somewhere to get to higher ground.

Now ladies, do you think it is right for a woman to do this, as she calls it “thinking about her two children,” but leave her husband behind?

Ladies, would you do this to your husband and leave him with the kids to flee off with his cousin or stick by your husband to leave together as a family since that’s what a marriage and family are supposed to do?