First Post!

Can’t wait to meet Caldarus sooonnn!!

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

mm. heron.

This is my gift for a happy 2023. I converted the 24 items to base game

DOWNLOAD(rar)

DOWNLOAD (zip)

consider to buy me a coffee <3

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.

My mentor: I wanna do a wall garden, because it doesnt take up too much space

Me, already vibrating from the dopamine and adrenaline: Let's talk about espaliers

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 

Skip Google for Research

As Google has worked to overtake the internet, its search algorithm has not just gotten worse.  It has been designed to prioritize advertisers and popular pages often times excluding pages and content that better matches your search terms 

As a writer in need of information for my stories, I find this unacceptable.  As a proponent of availability of information so the populace can actually educate itself, it is unforgivable.

Below is a concise list of useful research sites compiled by Edward Clark over on Facebook. I was familiar with some, but not all of these.

⁂

Google is so powerful that it “hides” other search systems from us. We just don’t know the existence of most of them. Meanwhile, there are still a huge number of excellent searchers in the world who specialize in books, science, other smart information. Keep a list of sites you never heard of.

www.refseek.com - Academic Resource Search. More than a billion sources: encyclopedia, monographies, magazines.

www.worldcat.org - a search for the contents of 20 thousand worldwide libraries. Find out where lies the nearest rare book you need.

https://link.springer.com - access to more than 10 million scientific documents: books, articles, research protocols.

www.bioline.org.br is a library of scientific bioscience journals published in developing countries.

http://repec.org - volunteers from 102 countries have collected almost 4 million publications on economics and related science.

www.science.gov is an American state search engine on 2200+ scientific sites. More than 200 million articles are indexed.

www.pdfdrive.com is the largest website for free download of books in PDF format. Claiming over 225 million names.

www.base-search.net is one of the most powerful researches on academic studies texts. More than 100 million scientific documents, 70% of them are free

°˖✧🌼Daisy Set🌼✧˖°

Hello!! Hope everyone is having a pleasant day. I have another set for you. Since it is summer, I wanted to do something colorful and flowery this time 🌞🏵 

The set includes 11 items:

♡ 1 Mug | Decor | 5 Swatches  

♡ 1 Bowl | Decor | 9 Swatches

♡ 1 Cup | Decor | 10 Swatches  

♡ 1 Daisy Vase | Plant | 4 Swatches  

♡ 1 Daisy Mirror | Mirror | 9 Swatches  

♡ 1 Acrylic Vase | Plant | 10 Swatches  

♡ 2 Marbled Plates | Decor | 5 Swatches

♡ 1 Triple Decor | Candle | 10 Swatches

♡ 1 Daisy Candle | Candle | 10 Swatches

♡ 1 Bubble Candle | Candle | 13 Swatches  

They are BGC and have custom thumbnails. As always, let me know If you run into any issues. Enjoy! ꕤ 

━ ❀ Daisy mirror was suggested on Pinterest, I thought it would be perfect for this concept and added it. Thank you Elvenrose for that! ❀ ━

•˚₊· ͟͟͞͞➳❥ Download on my Patreon

.•°✧Early Access until July 24th✧°•.

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.