Linking ≠ endorsement.
↑ Update: Uploading a Fully Encrypted, Full-System Backup to a Secure, Off-Site Server in a Limited-Access, Guarded Facility
If you've been following along with us concerning our uploading-to-the-cloud endeavors, here's an update.
We discovered that the throttling mechanism built into the desktop software program of the cloud-backup provider doesn't work. We kept reducing the allowable bandwidth hoping that we'd find a good spot where the uploading would run quickly enough while we could still use the remaining bandwidth to function as normal.
Well, we took it way down to the point where the uploading should have not interfered with routine Internet usage. That led us to turn on our monitors in real time just to check. As we suspected the program wasn't throttling at all.
We updated our already expedited trouble ticket with the provider and also developed a quick workaround, which was simply throttling the upload via a different program.
We are now able to use the Internet with little to no degradation while uploads run smoothly (though they take about twice as long).
We have a few more tweaks up our sleeve to try out, but at least we've made solid headway.
Thanks for your patience as we perfect our cyber-risk-management processes.
↑ What's Lurking Behind Those Walls? | Realtor Magazine
Thanks to Kevin Simpson-Verger for the link. This is a great source of information written by Melissa Dittmann Tracey.
When sales associate Suzette Bailey of Real Estate Central in Cross Lanes, W. Va., tours a home with buyers, she knows that if it reeks of cat urine and has groupings of everyday household products like stripped-out batteries, lighter fluid, salt, and empty two-liter plastic soda bottles, the home's problems are likely to stretch well beyond aesthetics. Such signs are potential red flags of a highly toxic substance lingering in the home—methamphetamine.
↑ News – Torrential rain floods Canary Islands – The Weather Network
Tuesday, October 21, 2014, 9:11 AM – Massive downpours caught the residents of Tenerife off-guard and had deadly consequences.
Local officials had predicted less than 60 mm of rain for the island of Tenerife on Sunday, prompting residents to carry on as normal. When more than 150 millimetres of rain fell on places like Santa Cruz, streets were flooded, 150 accidents were reported and one woman is dead , according to local media.
↑ Alert Iowa System to warn of tornadoes, other dangers | Local News – KCCI Home
The state has launched a new emergency alert system to warn residents of tornadoes, chemical spills or other dangers.
Alert Iowa will allow citizens to sign up for the types of alerts they would like to receive. Messages can be issued via landline or wireless phone, text messaging, email, FAX, TDD/TYY, and social media.
↑ Grant Will Help Researchers Develop System to Assess Risk of Mudslides, Rock Falls | Arkansas Newswire | University of Arkansas
FAYETTEVILLE, Ark. — An engineering researcher at the University of Arkansas has received $1.14 million in funding to develop a decision support system for assessing areas at risk for mudslides or rock falls caused by the effects of wildfires. The funding includes a $570,000 grant from the U.S. Department of Transportation, $433,000 in matching funds from the university and $137,000 in matching funds from other institutions.
… The system will use data collected from satellites, unmanned aerial vehicles and ground-based thermal, radar and light-detecting technologies that examine the earth's surface.
↑ Warming Earth heading for hottest year on record (Update)
Earth is on pace to tie or even break the mark for the hottest year on record, U.S. meteorologists say.
The National Oceanic and Atmospheric Administration announced Monday that last month the globe averaged 60.3 degrees Fahrenheit (15.7 degrees Celsius). That was the hottest September in 135 years of record keeping.
It was the fourth monthly record set this year, along with May, June and August.
Some people, mostly non-scientists, have been claiming that the world has not warmed in 18 years, but "no one's told the globe that," Blunden said. She said NOAA records show no pause in warming.
The record-breaking heat goes back to the end of last year—November 2013 broke a record. So the 12 months from October 2013 to September 2014 are the hottest 12-month period on record, Blunden said. Earth hasn't set a monthly record for cold since December 1916, but all monthly heat records have been set after 1997.
↑ Insurance Regulators Set Capital Rules for Big Firms – Bloomberg
Nine too-big-to-fail insurers, including American International Group Inc., Allianz SE and MetLife Inc., must start reporting capital ratios next year using a method presented by regulators today.
As a next stage, global regulators will define "higher loss absorbency" requirements by the end of next year, which will come on top of the basic capital requirements and are designed to reflect the insurers' systemic importance in the international financial system, IAIS said.
↑ Years after market collapse, sidelined borrowers return
"The behavior of these potential boomerang buyers will be a big part of shaping the U.S. housing market going forward," said Daren Blomquist, vice president at RealtyTrac. "The bigger question now becomes how many have the stomach for homeownership again and how many will stay as long-term renters."
…"I see a lot of people coming back into it with eyes wide open," said Angel Johnson, a real estate agent with Redfin in Phoenix. "They can get a loan, but they are still spooked."
↑ Carney's bank culpability plans – YouTube
Mark Carney, Bank of England governor, has spoken of his commitment to proposed rules to ensure accountability at UK-based banks in case of another crisis. M…
↑ China gloom deepens without state help – YouTube
China's GDP has fallen to its lowest level in five years. Rafael Halpin of China Confidential explains to emerging markets editor James Kynge how poor consum…
↑ Timely Topics: The Gold Standard – Benefits of a Fiat Money System – YouTube
A very basic but very often misunderstood aspect of the current system versus the old gold standard:
↑ Apartment Rent Growth Further Accelerates in Denver — Even as New Supply Levels Surge – YouTube
New apartment supply is hitting the Denver market at the highest levels in a decade. And yet, rent growth levels continue to accelerate — hitting a two-decade high in Q3 2014.
↑ Apartment Demand Surges in Tandem With Record Supply Wave in Charlotte – YouTube
Apartment Demand Surges in Tandem With Record Supply Wave in Charlotte With new apartment supply levels surging toward two-decade highs, occupancy rates had …
↑ Emerging Trends in Real Estate 2015 – YouTube
A tad more optimistic about near-term economic prospects and a tad less cynical about the potential for near-term bubbles (overly relaxing lending standards, etc.):
PwC and ULI Emerging Trends in Real Estate(TM) provides an outlook on real estate investment and development trends, real estate finance, and capital markets, property sectors, metropolitan areas, and other real estate issues throughout the United States and Canada.
↑ Bidder paying $3.2M for 6,000 Detroit foreclosures
…the actual cost of taking over these properties is likely to far exceed the initial $3.2 million, as almost half of the properties need to be torn down in the next six months per conditions of the auction. The bundle also includes around 2,000 empty lots and some 1,000 homes that are deemed habitable.
$3,200 per habitable house? Deemed habitable by a city government usually means few, if any, code violations and needing only minimal repairs. They could be fix-and-flips or fix-and-holds-to-rent. The income could pay off a loan to rip down the others. Once values go up, those vacant lots could become quite valuable.
↑ Massive gas pipeline inferno shakes German town (VIDEOS) — RT News
A gas pipeline blast in Germany has killed one person and injured 11 others. The conflagration resulted in 200-meter tall flames that were captured from all angles by local residents who were lucky enough to escape the inferno.
The blast at a building site in the city of Ludwigshafen, Rhineland-Palatinate, took place around midday Thursday. Local news outlets report that one construction worker has died and 11 others were injured in the incident. At least 25 buildings were also damaged in the blast. The fire left a crater 10 meters in diameter and 5 to 6 meters deep.
↑ Adair Turner: The Consequences of Money-Manager Capitalism – YouTube
Excellent, quick discussion that nonetheless goes deeply into some aspects of the global-real-estate market:
What are the implications of this financialization on the modern global economy? According to Adair Lord Turner, a Senior Fellow at the Institute for New Economic Thinking and a former head of the United Kingdom's Financial Services Authority….
If you are an investor in 1-4 unit properties in Arizona, California, Nevada, Oregon, Utah, or Washington, please do the financially responsible thing and make sure you have proper Landlord Insurance with PropertyPak™. We love focusing on real estate and the economy in general, but we are also here to serve your insurance needs.
Hill & Usher (PropertyPak™ is a division) has many insurance offerings. See our menu above for more info and links.
Did this post help you? Let us know by leaving your comment below.
Note: This blog does not provide legal, financial, or accounting advice. Seek professional counsel.
Furthermore, we, as insurance producers, are prohibited by law from disparaging the insurance industry, carriers, other producers, etc. With that in mind, we provide links without staking out positions that violate the law. We provide them solely from a public-policy standpoint wherein we encourage our industry to be sure our profits, etc., are fair and balanced.
We do not necessarily fact checked the contents of every linked article or page, etc.
If we were to conclude any part or parts of our industry are in violation of fundamental fairness and the legal standards of a state or states, we'd address the issue through proper, legal channels. We trust you understand.
The laws that tie our tongues, so to speak, are designed to keep the public from losing confidence in the industry and the regulatory system overseeing it. Insurance commissioners around the country work very hard to analyze rates and to not allow the industry to be damaged by bad rate-settings and changes in coverages. The proper way for people in the industry to deal with such matters is by adhering to the laws, rules, and regulations of the applicable states and within industry associations where such matters may be discussed in private without giving the industry unnecessary black eyes. Ethics is very high on the list in the insurance industry, and we don't want to lose the people's trust. That said, the industry is not perfect; but what industry is?
For our part, we believe in strong regulations and strong regulators.
We welcome your comments and ask you to keep in mind that we cannot and will not reply in any way or ways where any insurance commissioner could rightly say we've violated the law of the given state.
We are allowed to share rating-bureau data/reports and industry-consultant opinions but make clear here that those opinions are theirs and do not necessarily reflect our position.