The National Flood Insurance Program NFIP has offered flood insurance to renters, homeowners and businesses since the late s, yet only about a quarter of those eligible have purchased policies that would reduce the risks caused by flooding. This research investigated why single-family homeowners do or do not choose to purchase flood insurance. The paper discusses the evolution of the NFIP, focusing on the Reform Act of whereby the federal government attempted to mandate coverage and transfer decision-making responsibility from individuals to institutional lenders with links to the federal government. While the Reform Act will no doubt increase flood insurance coverage, it has limitations; for example, not all dwellings fall under the purview of the new regulations especially those outside of Special Flood Hazard Areas. Importantly, because the decision to purchase flood insurance as a form of hazard mitigation is still a voluntary choice for many individuals, it warrants continued study. Previous article in issue.
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In this California Cannabis Countdown series, we cover who is banning cannabis, who is embracing cannabis and how , and everyone in between. Welcome to the California Cannabis Countdown. Truckee is an incorporated town in Nevada County. Truckee is about miles northeast of San Francisco and is just a short drive to Lake Tahoe. With its historic and often bustling downtown, background views of the Sierra Nevada mountains and proximity to world class ski resorts in the Lake Tahoe area, Truckee has become an attractive tourist destination.
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It is the most expensive and luxurious option for Yosemite Lodging. This luxury hotel blends into the environment with mountain lodge architecture of natural log beams, stonework, black-smithed iron and stained glass mixed with Native American artistry. Hotel amenities include a restaurant, bar, outdoor heated swimming pool, tennis courts, gift shop and valet parking. Hotel rooms and suites include a flat-screen TV , refrigerator, pillow-top mattress, elegant lodge decor and more. The impressive Ahwahnee dining room features ceilings over 30 feet high and a wall of windows to enjoy the view.
Check our Yosemite blog for more details. See our Yosemite photo album on Flickr. This historic Victorian-era hotel offers a sense of relaxation and a taste of a bygone era. Lodge amenities include a dining room, golf course, swimming pool tank, WiFi and 6 buildings with hotel rooms. Hotel rooms feature antique furnishings and a shared veranda and do not come with televisions or telephones.
Big Trees Lodge is the most simplistic yet elegant option for Yosemite lodging. This is an historic hotel and many rooms do not have private bathrooms.
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Posted in California , Licensing , Medical Marijuana , Recreational Marijuana California has 58 counties and incorporated cities across the state, each with the option to create its own rules or ban marijuana altogether. In this California Cannabis Countdown series, we cover who is banning cannabis, who is embracing cannabis and how , and everyone in between. Welcome to the California Cannabis Countdown. Truckee is an incorporated town in Nevada County.
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The ski resorts are world-class, the water sports are epic, and the hiking and mountain-biking options are some of the best in the country. For plus years, the High Sierra Waterski School has been teaching people to safely drive powerboats and Jet Skis and navigate with human-powered kayaks, canoes, and paddleboards. Two locations, at Sunnyside and Homewood marinas, offer classes and rentals. Eat at Fifty Fifty Brewing Company Fifty Fifty Brewing Company serves up inventive craft brews—pale ales, IPAs, porters, and an imperial stout aged in oak bourbon barrels—plus a hearty array of pub-style burgers, sandwiches, salads, and pizzas.
Room sizes can accommodate big families and groups if needed, with suites and full kitchens available. It started as a sledding hill and ski jump in the s, adding a lodge in the s; today the acre resort has a spa, a wide range of rooms and condo-style lodgings, and its historic warming hut.
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Search 23 Best Romantic Weekend Destinations on the West Coast The West Coast of the United States is home to some of the most beautiful scenery in the world, ranging from rugged coastlines and sandy beaches to lush vineyards and refined downtown areas. A few of the destinations on our West Coast vacations list are world-famous while others are hidden gems known to a relatively small number of travelers.
Consisting of a few hotels, restaurants, and art galleries, the village of Big Sur, California , is surrounded by vast redwood-filled state parks. Giant elephant seals bask on the sandy shores, and gray whales migrate past in the deep indigo waters twice a year, while this untouched terrain remains as wild and exhilarating as always.
Rooms and suites at Ventana Big Sur have wood-burning fireplaces and outdoor decks with forest and ocean views. Sierra Mar at the Post Ranch Inn is the ultimate spot for a special celebration. Set high above the cliffs with floor-to-ceiling windows, the restaurant seems to float above the ocean. Julia Pfeiffer Burns State Park has a beautiful sandy beach for sunbathing in the summer, and offers great whale watching in December and January.
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Average Monthly Total [? What Drives Mortgage Rates The Federal Funds rate sets a baseline which is used to help guide other rates across the economy. For any given loan type the yield typically rises as either loan amount or duration rise. While most mortgages are amortized over years, they tend to move inline with the year treasury, as homeowners tend to move or refinace their home loans every 5 to 7 years. Lenders price mortgages above the soverign 10 year bond because they presume the year treasury does not carry any default risk.
Fixed Rate vs Adjustable Rate Mortgages Most people tend to choose fixed rate mortgages, however jumbo loans are available in both fixed and adjustable versions. Looking at the above chart it is clear rates are near historical lows, so those in need of stability who are looking to build equity in their home will likely want to choose fixed rates.
Those who have high income levels may be more interested in deducting mortgage interest from their income taxes. For most people, this vision of the “American Dream” also involves having a place to come home to. Home ownership is sought by those who lack it, and fiercely protected by those who fear losing it.
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For a crossdated age, there should be no question of the age of the portion of the tree sampled, except in any portion of the ring series not confidently crossdated with either other trees at the same site or other sites in the area. Ring-counted ages are derived by simple ring counts and may contain errors in age due to missing or false rings, suppressed areas, poorly surfaced samples, or other types of tree-ring anomalies e. Stephenson and Demetry or other mathematical or graphical methods.
Ranges of ages derived by extrapolations are welcome and can be accommodated in the database.
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Its waters are an important source of irrigation along its valley and adjacent valleys. Naming of the river When John C. However, the river was ultimately named after a Paiute chief known as Truckee who in guided an emigrant party from the headwaters of the Humboldt River to California via the Truckee River, Donner Lake , and Donner Pass. Appreciative of their Indian guide’s services the party named the river after him. There are numerous other theories about Chief Truckee and his name.
It flows generally northeast through the mountains to Truckee, California , then turns sharply to the east and flows into Nevada, through Reno and Sparks and along the northern end of the Carson Range.