It's Funny Although A Little Exasperating How Artists Designing "princess" Or Medieval-esque Gowns Really

🌻 loungewear addon - slip dress & cardigan

i promised you an addon so here it comes! this is a fullbody outfit which by default comes in 14 solid swatches, but you can pair it with the cardigan overlay (found under accessories/rings) to mix & match!

get the original set here!

14 swatches from my personal palette + 5 colorblock swatches (available for the overlay)

new mesh, all lods

bgc

custom shadow, specular and normal maps

custom thumbnails

🌻 DOWNLOAD 

🌻 follow me here: tumblr / twitter / patreon

@maxismatchccworld​ @s4library​ 

nytimes.com

As Insurers Around the U.S. Bleed Cash From Climate Shocks, Homeowners Lose

It’s not just California and Florida now: Insurers are losing money around the country. It means higher rates and, sometimes, cancellation n

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.

ROUGAROU Set by simstrouble

In this set you’ll get 3 hairstyles, the short one is unisex, 4 earrings, 1 necklace, 1 set of rings, and clips & beads for the hairstyles. I hope you like it. I loved making these, enjoy 🐍🌜

download (patreon, free) + I added new swatches, redownload if you want ‘em 🍂

Keep reading

must have sims 4 mods that improve & add realistic gameplay ♡

watch youtube showcase

mod links below

Keep reading

PLEASE do yourself a favour and check out this wikipedia-styled template for google drive, made by @ Rukidut on twitter

I decided to try to sort my ideas and whats canon regarding my ocs with this and ITS PERFECT. IT ALL FEELS SO CONRETE. and i sure as hell AM Going to continue to use this with every single OC I have until google drives is set ablaze- Just!!!!!!!!

Also; link directly to the doc, just copy the file and you have your own lil template!!!!

Futurity

How insects can tell different sugars apart

The discovery of how insects can tell different sugars apart could one day help humans mimic that ability, researchers say.

Whereas humans have one receptor on their tongues that can detect all sorts of sweet things, from real sugar to artificial sweeteners like aspartame, insects have many receptors that each detect specific types of sugars. The new research reveals one way insect receptors are able to be so selective. The new discovery will help us understand how animals decipher the chemical world and how we might mimic that ability in the future, the researchers say.

Continue Reading.

Study in Style Set…………🐻

Hello!! I haven’t been around for a few days, I hope everyone is doing well ♡ I can finally share the “study in style set” I’ve been working on for a long time. The set was made to be a nice addition to the new expansion pack and consists of 20 items including a new functional computer, mirror, and light. You can see the gif showing all the items and read more information below.

The set includes 20 items:

♡ Ruler&Pencil | 7 Swatches | 66 Polys

♡ Erasers | 10 Swatches | 300 Polys    

♡ Table Light | 13 Swatches | 2k Polys        

♡ Tablet PC | 10 Swatches | 3k Polys          

♡ Mini Calendar | 10 Swatches | 1.2k Polys

♡ Decor Tablet | 6 Swatches | 714 Polys    

♡ Trash Can | 13 Swatches | 726 Polys

♡ Used Trash Can | 13 Swatches | 1.7k Polys

♡ Sticky Notes | 12 Swatches | 146 Polys

♡ Books with a Pen | 10 Swatches | 558 Polys

♡ Notebooks | 14 Swatches | 258 Polys

♡ Paw-Shaped Markers | 6 Swatches | 1.6k Polys

♡ Stacked Books | 7 Swatches | 156 Polys

♡ Digital Clock | 14 Swatches | 206 Polys

♡ Mirror Box | 12 Swatches | 1.5k Polys

♡ Closed Box | 12 Swatches | 358 Polys

♡ Decorated Box | 8 Swatches | 476 Polys

♡ Planner Poster | 10 Swatches | 140 Polys

♡ 2 Piece Painting | 12 Swatches | 96 Polys

♡ Wooden Holder | 8 Swatches | 554 Polys                            

Additional Info:

BGC

Tagged swatches

Custom thumbnails

Custom specular maps

You can quickly access these items by searching “aira” in the game. If you run into any issues please let me know.   

I think the style of working long term and making big sets suits me better. I’m thinking of going this way from now on so my next cc may be after a certain time. Anyway, hope you enjoy these cuties and have fun with them!! 📔🤎

•˚₊· ͟͟͞͞➳❥ Download on Patreon(Early Access until October 20th)

Classy Couple Pose Pack

Let your Sims show off their adoration for each other with these chic and classy couples poses. 🖤

5 poses total

The Sims 4 Poses

in-game + all-in-one option

place 2 teleporters in the same place to pose

you’ll need:

Teleport any sim

Pose player mod or WonderfulWhims mod

Download: katverse.com

Public release: March 1, 2023

The full CC list is included

TOU | INSTAGRAM | YOUTUBE | TWITTER | KO-FI ☕

Spoons - Part 3

Here it is the third and final part of spoons and the last set of 2021!This past month I have been focusing on creating items that work perfectly in a restaurant setting. Of course I know not everyone wants to build restaurants, so the large majority of the items included would also work perfectly in other community lots or your Sims’ homes too.

Set includes:

Sectional Sofa (30 swatches in woven & leather textures)

Host Station (Requires Dine Out GP)

Corner Booth (Requires Dine Out GP)

Straight Booth (Requires Dine Out GP)

Restaurant Tables (1 tile, 2 tile, 3 tile & 6 seater round)

Bar (4 tiles)

Hanging Strip Light (Tall, Medium & Short)

Modern Wooden Panelling Wallpaper

Modern Art Canvases (3 pieces)

I can confirm that the booths do require Dine Out to be fully functional, but they will place down in your game and snap to tables if you only have base game. Unfortunately the interactions and animations are all tide to the GP, so they will be purely decorative if you don’t have Dine Out installed.

Early Access Available Now On Patreon

Public release: 3rd January