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☆ See how badly your home could be hit by heat, wind, and bad air over the next 30 years
▼ + stars: | 2024-03-13 | by ( Dan Latu | Catherine Boudreau | ) www.businessinsider.com time to read: +5 min

Realtor.com has unveiled a set of climate risk tools that homeowners and homebuyers alike can use to learn the specific climate risks of a property. The tools, called Heat Factor, Wind Factor, and Air Factor, are available starting Wednesday and can map out a neighborhood's risks of above-normal days on the heat index, chances of experiencing wind gusts over 50 mph, and days of poor air quality. More than 40% of US homes, valued at a combined $20 trillion, are vulnerable to extreme heat, wind, and poor air quality, according to a Realtor.com analysis. Understanding your home's climate riskPrior to releasing the heat, wind, and air quality tools, Realtor.com already provided fire and flood risks for properties based on data from First Street. First Street, a climate-risk firm, is also behind the data on extreme heat, wind, and air quality now added to listings.

Persons: Realtor.com, Oscar Seikaly, Bob Stephens, homebuyers, Danielle Hale, Hale, Z, Redfin, we've Organizations: Service, Factor, Air Factor, Business, San, Sun Locations: Florida , California, Texas, Miami, San Francisco, California, Florida

☆ Arab American Democrats push for ‘uncommitted’ vote in Michigan primary to send message to Biden about Gaza
▼ + stars: | 2024-02-26 | by ( Arit John | Dianne Gallagher | ) edition.cnn.com time to read: +10 min

They drew inspiration from the state’s 2008 Democratic primary, when “uncommitted” came in second place to Hillary Clinton with more than 40% of the vote. “The President is working hard to earn every vote in Michigan,” a Biden campaign spokesperson said in a statement. In recent weeks, the Biden administration has stressed its efforts to get humanitarian aid into Gaza and sharpened its tone toward Israel. Feelings of betrayal and guiltFor many Arab and Muslim Americans in Michigan, the push to vote uncommitted and promote a ceasefire is deeply personal. As she closed her remarks, Seikaly criticized the Biden administration for vetoing the recent UN Security Council ceasefire resolution.

Persons: Michigan CNN — Layla Elabed isn’t, Joe Biden, Biden, she’s, “, Elabed, ”, Rashida Tlaib, ” Elabed, It’s, Andy Levin, Donald Trump, “ uncommitted ”, Hillary Clinton, Barack Obama, John Edwards, Rebecca Cook, ” Lavora Barnes, what’s, ” Barnes, it’s, Abbas Alawieh, Benjamin ] Netanyahu’s, ” Levin, there’s, Netanyahu, Israel, Seikaly, Sylvie Yaacoub, she’d, ” CNN’s Jade Gordon Organizations: Michigan CNN, Palestinian American, Michigan Democrat, Democratic, Wolverine State, Democratic Party, Michigan Rep, Palestinian, Biden, US, Volunteers, Democratic National Committee, Reuters, Michigan Democrats, Trump, Michigan Democratic Party, American, Israel, The New York Times, UN, Muslim, Detroit’s Wayne State University, UN Security, Michigan Locations: Dearborn, Michigan, Gaza, Israel, Wolverine, It’s, Palestinian American, Hamtramck , Michigan, Rafah

☆ Insuring your home in Colorado can cost $40,000 as the climate crisis wreaks havoc on the market, one insurance CEO said
▼ + stars: | 2023-10-05 | by ( Dan Latu | ) www.businessinsider.com time to read: +4 min

AdvertisementAdvertisementThis as-told-to essay is based on a conversation with Oscar Seikaly, CEO at NSI Insurance Group, which is based in Florida but underwrites policies nationally, about skyrocketing insurance premiums and how unpredictable disasters around the country raise prices for everyone. Over the past 10 years, insurance premiums have changed dramatically. AdvertisementAdvertisementTake the average house in Aspen: You have $5 million for the house, $3 million for the contents, another $2 million for loss of rents. All these insurance companies have to buy from reinsurance companies and there's only three or four main ones in the world. When you buy a $5 million house or a $10 million house, paying $30,000 or $20,000 a year is not going to make a difference.

Persons: Oscar Seikaly, Seikaly, —, that's Organizations: Service, NSI Insurance Locations: Aspen, Florida, California, Colorado, Northern California

☆ Florida's mega-rich could pay $600K for annual home insurance in elite enclaves as the state is slammed with increasingly severe hurricanes
▼ + stars: | 2023-09-09 | by ( Lloyd Lee | ) www.businessinsider.com time to read: +3 min

Insurance rates in Florida have tripled in recent years, according to Bloomberg. For the ultra-rich, insurance companies could sell five- to six- figure policies. Homeowners across Florida have seen rates increase threefold in the past few years, the report found. Weather risks, along with a combination of other factors, have caused insurance companies to pivot and stop issuing new policies in Florida. California, a state that is prone to wildfires and extreme weather, has also experienced an exodus of insurance companies.

Persons: Diddy, Jennifer Lopez, Ken Griffin, Idalia, Mark Friedlander, Oscar Seikaly Organizations: Bloomberg, Service, Homeowners, Citadel, Sunshine State, National Weather Service, Insurance Information Institute, Farmers Insurance, AAA, Farm, Allstate, NSI Insurance Locations: Florida, Wall, Silicon, Florida's, Star, Texas, . California, Napa Valley

☆ Advertised salary ranges are not set in stone. That’s why you still have to negotiate
▼ + stars: | 2023-01-28 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +6 min

“I’ve seen people deterred from negotiating because they think [the advertised pay range] is set in stone. What you need to know about published rangesHere are three reasons why a published salary range is hardly the whole story:1. The published range may be very wide: It’s not hard to find advertised salary ranges so wide you could drive a truck through them. The published range for an open role usually just reflects your base pay, not bonuses, equity and annual increases. That way you’ll be able to gauge whether the employer’s published range is within reason for the role you’re seeking.

☆ Why you still need to negotiate even if a job ad lists a salary range
▼ + stars: | 2023-01-05 | by ( Jennifer Liu | ) www.cnbc.com time to read: +5 min

But online, the average salary range on job listings is just 28%, based on data from CompTool and accounting for more than 12 million job listings from more than 100 job websites, per Bloomberg. As written, while the laws require employers to list the minimum and maximum salary range on a job ad, many don't require them to actually make an offer in that range. All of this is to say that it's still important to negotiate your salary, even if the job posting lists the range, Seikaly says. "While pay transparency won't eliminate salary negotiation, it will give candidates the confidence to speak more openly about their expectations of pay," Seiklay says. "The burden is now on the employer to determine the pay range, rather than the employee to initially voice an expectation, which levels the negotiation playing field."

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