Download or read book National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005 h miroform written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2006 with total page 19 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2006 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2006 with total page 19 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2006 with total page 19 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Affordability of National Flood Insurance Program Premiums written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2016-02-21 with total page 151 pages. Available in PDF, EPUB and Kindle. Book excerpt: When Congress authorized the National Flood Insurance Program (NFIP) in 1968, it intended for the program to encourage community initiatives in flood risk management, charge insurance premiums consistent with actuarial pricing principles, and encourage the purchase of flood insurance by owners of flood prone properties, in part, by offering affordable premiums. The NFIP has been reauthorized many times since 1968, most recently with the Biggert-Waters Flood Insurance Reform Act of 2012 (BW 2012). In this most recent reauthorization, Congress placed a particular emphasis on setting flood insurance premiums following actuarial pricing principles, which was motivated by a desire to ensure future revenues were adequate to pay claims and administrative expenses. BW 2012 was designed to move the NFIP towards risk-based premiums for all flood insurance policies. The result was to be increased premiums for some policyholders that had been paying less than NFIP risk-based premiums and to possibly increase premiums for all policyholders. Recognition of this possibility and concern for the affordability of flood insurance is reflected in sections of the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). These sections called on FEMA to propose a draft affordability framework for the NFIP after completing an analysis of the efforts of possible programs for offering "means-tested assistance" to policyholders for whom higher rates may not be affordable. BW 2012 and HFIAA 2014 mandated that FEMA conduct a study, in cooperation with the National Academies of Sciences, Engineering, and Medicine, which would compare the costs of a program of risk-based rates and means-tested assistance to the current system of subsidized flood insurance rates and federally funded disaster relief for people without coverage. Production of two reports was agreed upon to fulfill this mandate. This second report proposes alternative approaches for a national evaluation of affordability program policy options and includes lessons for the design of a national study from a proof-of-concept pilot study.
Download or read book Affordability of National Flood Insurance Program Premiums written by National Research Council and published by National Academies Press. This book was released on 2015-08-06 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: The National Flood Insurance Program (NFIP) is housed within the Federal Emergency Management Agency (FEMA) and offers insurance policies that are marketed and sold through private insurers, but with the risks borne by the U.S. federal government. NFIP's primary goals are to ensure affordable insurance premiums, secure widespread community participation in the program, and earn premium and fee income that covers claims paid and program expenses over time. In July 2012, the U.S. Congress passed the Biggert-Waters Flood Insurance Reform and Modernization Act (Biggert-Waters 2012), designed to move toward an insurance program with NFIP risk-based premiums that better reflected expected losses from floods at insured properties. This eliminated policies priced at what the NFIP called "pre-FIRM subsidized" and "grandfathered." As Biggert-Waters 2012 went into effect, constituents from multiple communities expressed concerns about the elimination of lower rate classes, arguing that it created a financial burden on policy holders. In response to these concerns Congress passed The Homeowner Flood Insurance Affordability Act of 2014 (HFIAA 2014). The 2014 legislation changed the process by which pre-FIRM subsidized premiums for primary residences would be removed and reinstated grandfathering. As part of that legislation, FEMA must report back to Congress with a draft affordability framework. Affordability of National Flood Insurance Program Premiums: Report 1 is the first part of a two-part study to provide input as FEMA prepares their draft affordability framework. This report discusses the underlying definitions and methods for an affordability framework and the affordability concept and applications. Affordability of National Flood Insurance Program Premiums gives an overview of the demand for insurance and the history of the NFIP premium setting. The report then describes alternatives for determining when the premium increases resulting from Biggert-Waters 2012 would make flood insurance unaffordable.
Download or read book NATIONAL FLOOD INSURANCE PROGRAM COMMITMENT TO POLICYHOLDERS REPORT REPORT 109 370 U S CONGRESS 109TH CONGRESS 2ND SESSION written by United States. Congress. House and published by . This book was released on 2006* with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Library as Safe Haven written by Deborah D. Halsted and published by American Library Association. This book was released on 2014-08-05 with total page 187 pages. Available in PDF, EPUB and Kindle. Book excerpt: Libraries have always played a special role in times of disaster by continuing to provide crucial information and services.
Download or read book Handbook of Occupational Groups and Families written by and published by . This book was released on 1998 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Alwd Citation Manual written by Darby Dickerson and published by Aspen Publishers. This book was released on 2010-06-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: ALWD Citation Manual: A Professional System of Citation, now in its Fourth Edition, upholds a single and consistent system of citation for all forms of legal writing. Clearly and attractively presented in an easy-to-use format, edited by Darby Dickerson, a leading authority on American legal citation, the ALWD Citation Manual is simply an outstanding teaching tool. Endorsed by the Association of Legal Writing Directors, (ALWD), a nationwide society of legal writing program directors, the ALWD Citation Manual: A Professional System of Citation, features a single, consistent, logical system of citation that can be used for any type of legal document complete coverage of the citation rules that includes: - basic citation - citation for primary and secondary sources - citation of electronic sources - how to incorporate citations into documents - how to quote material and edit quotes properly - court-specific citation formats, commonly used abbreviations, and a sample legal memorandum with proper citation in the Appendices two-color page design that flags key points and highlights examples Fast Formatsquick guides for double-checking citations and Sidebars with facts and tips for avoiding common problems diagrams and charts that illustrate citation style at a glance The Fourth Edition provides facsimiles of research sources that a first-year law student would use, annotated with the elements in each citation and a sample citation for each flexible citation options for (1) the United States as a party to a suit and (2) using contractions in abbreviations new rules addressing citation of interdisciplinary sources (e.g., plays, concerts, operas) and new technology (e.g., Twitter, e-readers, YouTube video) updated examples throughout the text expanded list of law reviews in Appendix 5 Indispensable by design, the ALWD Citation Manual: A Professional System of Citation, Fourth Edition, keeps on getting better
Download or read book The Indigo Book written by Christopher Jon Sprigman and published by Lulu.com. This book was released on 2017-07-11 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: This public domain book is an open and compatible implementation of the Uniform System of Citation.
Download or read book Dutch Commerce and Chinese Merchants in Java written by Alexander Claver and published by BRILL. This book was released on 2014-01-09 with total page 466 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dutch Commerce and Chinese Merchants in Java describes the vanished commercial world of colonial Java. Alexander Claver shows the challenges of a demanding business environment by highlighting trade and finance mechanisms, and the relationships between the participants involved.
Download or read book Epistemontology in Spinoza Marx Freud Lacan written by A. Kiarina Kordela and published by Routledge. This book was released on 2017-10-06 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt: A. Kiarina Kordela steps beyond extant commentaries on Marx’s theory of commodity fetishism—from A. Sohn-Rethel to L. Althusser, É. Balibar, Slavoj Žižek, and others—to show that in capitalism value is the manifestation of the homology between thought and being, while their other aspect—power—is foreclosed and becomes the object of biopower. Using monistic Marxian/Lacanian structuralism as an alternative to dominant models from Plato and Kant to phenomenological accounts, deconstruction, and other contemporary approaches, Kordela expertly argues that Marx’s theory of commodity fetishism is a reformulation of the Spinozian thesis that thought (mind) and things (bodies or extension) are manifestations of one and the same being or substance. Kordela’s link between Spinoza and Marx shows that being consists of two aspects, value and power, the former leading to structuralist thought, the latter becoming the object of contemporary biopower. Epistemontology in Spinoza-Marx-Freud-Lacan intervenes between two dominant lines of thought in the reception of Marx today: on the one hand, an approach that relates Marxian thought to psychoanalysis from a Hegelian/dialectical perspective and, on the other hand, an approach that links Marxism to Spinozian monism, at the total exclusion of psychoanalysis. This book will interest scholars and researchers who study Marxism, (post)structuralism, psychoanalysis, critical theory, ontology, epistemology and theories of representation, theoreticians of cultural studies and comparative literature, aesthetic theory, including the relation of art to economy and politics, and biopolitics.
Download or read book Relationships with Labor Organizations written by United States. Department of the Army and published by . This book was released on 1974 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Integrated Flood and Drought Mitigation Measures and Stategies written by Saowanit Prabnakorn and published by CRC Press. This book was released on 2020 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Floods and droughts are climate extremes that account for more than 80% of people affected by natural disasters worldwide. Both catastrophes co-exist in many river basins, for example, the Mun River Basin in Thailand, which is selected as the study area. Approximately 90% of rice cultivation here is rain-fed, and that results in the lowest yields in the country, making many farmers persist in poverty. This study aims to assess floods and droughts and their impacts on agriculture at the basin scale. For flooding, the hydrologic and hydraulic models were developed to produce the first completed flood hazard maps at the Mun River Basin. Droughts in the basin were determined by the proposed drought risk assessment scheme that combines all three key components (hazard, exposure, and vulnerability). Subsequently, the study attempts to tackle both floods and droughts simultaneously and sustainably by using integrated measures and strategies. If the problems caused by flood and drought climate extremes are solved, this will ensure adequate food availability and alleviate poverty in the basin. Furthermore, the study shows that a holistic approach to simultaneously solving both problems is efficient as most water will be utilized to benefit agriculture, the primary sector that feeds a growing population.
Download or read book Public Library Laws written by Washington (State) and published by . This book was released on 1903 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Government Printing and Binding Regulations written by United States. Congress. Joint Committee on Printing and published by . This book was released on 1990 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
