Funny Things That I Think Probably Happen With Cyberware More Often Than Pondsmith And CDPR Would Write

and therein lies the real horror of bullying, of abuse, of oppression: you stop being yourself. you begin to chip away at everything that makes you you in order to create what's least likely to get you hit. you begin to view life as a series of mitigating choices - how much can you take away before you just become a corpse?

Can’t wait to meet Caldarus sooonnn!!

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.

FERN hair

FERN hair by AdelarSims

Unisex

Teen, Young Adult, Adult, Elder

Hat compatible

Base Game compatible

Disallowed for random

Allowed for opposite gender/frame

24 swatches, all LODs

Feel free to recolor, edit, frankenmesh, include mesh, convert and include in sim dumps, just please don’t monetize it in any way (including early access) and give credit when credit is due.

DOWNLOAD: SFS | Patreon (free)

@maxismatchccworld

He Cong at Valentino Haute Couture FW17

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

no one is doing it like bingqiu (svsss tpmeme 3/?)

“sunblind” (by @softerhaze)

“into the light” (by @lotharihoe)

“out of the blue” (by @lotharihoe)

“cube map remover” (by @lotharihoe)

“better in-game lighting” (by @northernsiberiawinds)

“cas golden light” (by @simplyanjuta​)

* I play the sims 4 on a 2020 MacBook Pro M1 (…no reshade or gshade)

default skin | “agave v2″ (by @nesurii)

default skintones | “bare skintones″ (by @lamatisse)

default baby skin | “newborn override v2″ (by @ellcrze)

default eyes | “lobster eyes” (by @marigolde)

default eyebrows | “eyebrow retexture” (by @kijiko-sims)

default teeth | “defaults” (by @magicbot​)

default feet | “7V” (by @magicbot​)

* I also use many skin details and body presets (wcif-friendly).

better world maps (by @20thcenturyplumbob)

better cas backgrounds (by @ellcrze)

better realistic clouds (by @alfsi)

smaller plumbob 25% (by @illogicalsims)

better default phone (by @frenchiesimgirl)

* I literally use a default replacement for everything… (again, wcif-friendly).

If my game was to crash and burn right now - I wouldn’t even be able to play again without reinstalling the following mods: 

mc command center (by @deaderpoolmc)

ui cheats extension (by @weerbesu)

more columns in cas (by @weerbesu)

no fade on everything (by @mizoreyukii)

better build buy (by @twistedmexi)

try to make friends (by @carlsims4)

better aspirations (by @ky-e and @needcoffee4that)

live draggable bassinet (by @beinchenmods)

age up or down by age group (by @whirlaround)

* Last updated on March 7, 2023 🤎

sy trying to create a pidw au would be so funny

i feel like he'd actually commit to it to spite airplane. at first, it garnered attention bc it was from the peerless cucumber, notorious critic and biggest pidw hater, so ofc they're all curious how pidw would look like in his eyes. it was surprisingly (well not really, considering the tens of paragraphs peerless cucumber wrote during his rants, all of which have immaculate grammar and spelling— bc ofc he can't let anyone find something to nitpick on his review so they're forced to see the point!) well-written and definitely more plot-focused.

majority of the readers disappeared after the first few chapters, mainly because of the lack of smutty scenes, but those that do remain are very engaged. one of them is airplane's burner account, when he needs to separate himself from his airplane persona. he's really, really curious as to what his hater is doing to his work.

he... he actually likes it. it's not really the novel he envisioned when he was first working on pidw, nor does it contain all the elements of his original draft, but it was good. he likes it a lot better than what pidw turned out to be.

airplane spent so much time contemplating and considering before finally saying fuck it, and dms peerless cucumber to see if he can work as a co-author with him and they can rewrite pidw together. he even sends parts of the original draft (what was left of it, anyway) as incentive!

it takes a long week before even peerless cucumber replies, and by then he has written a novella detailing how much better the original draft was and him screaming very informally at why airplane had to cast it aside.

lol i need money bro im broke af and porn sells, airplane answers.

it takes another week before peerless cucumber finally answers. then live with me, his message reads. no rent. i'll pay for whatever food you want. and whatever bills you have. just write a good fucking novel, i swear to god.

airplane thinks it's a joke, until he receives the address. an actual penthouse. in the richest streets of guangzhou. there is also a request to meet up (seeing as they don't actually know each other, and sy's brothers are very intent on not getting him murdered in his sleep) and airplane, after much, much thinking, accepts.

airplane does not really know what to feel when he finally meets and talks to shen yuan— pampered third son of a very wealthy family, with two protective older brothers and an even more protective little sister— and sy is just. well. he's exactly airplane's type. the beautiful, ice prince who apparently has only shown this much emotion around airplane. sy's meimei had told him cheerfully and then threatened to gut him if he so much as steps a foot out of line. airplane is starting to feel like he's just met a mafia family.

shen yuan's family aside, airplane is actually living his best life. he no longer has to worry about money. he lives in a luxurious (gods he has never seen such a large bedroom before wtf) penthouse without needing to pay rent (!!!) and utilities (!!!) and even food (!!!). he can write as much as he wants. this must be what artists felt like when they're taken care of noble families in exchange for their art.

he does... well. he and peerless cucumber are friends now. they work on the rewrite together. airplane keeps finding out many things, like how shen yuan likes his tea with a lot of honey, dislikes milk chocolate, and prefers drawing over writing. he also runs hot during the night, when he sleeps.

how does airplane know that? well. bros gotta do what bros gotta do. it's a good thing they both like to cuddle.

Realm of Magic Recolor 01

I love so much “Realm of Magic” but I need more colorful clothes, so I made this recolor of my favorite dress and I wanted to share it , remember you can re-link but not repost. Hope you enjoy it and have happy simming!!!

Download (Sim File Share)