The Glade 4.0

Seriously though, in the article, the family's home had been destroyed but there wasn't (that was mentioned) dangerous molds or other harmful stuff like the flood victims from Katrina. So, they could rebuild their home safely, and they had insurance coverage. I don't see a need for a government handout in that situation.

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"Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own." Jesus of Nazareth

FEMA did adequately under Bush during "various emergencies" also. There hasn't been anything even remotely close to the scope of Katrina, since... Katrina. That will be the test. But from what I've seen from working with FEMA, they are still a **** of a behemoth that cannot move without someone leading the way with a pair of scissors (for all the red tape).

So because they were prepared and maintained insurance etc they should get zero consideration which leads people to believe that there is no point in the extra expense and responsibility which makes more people ask for handouts which...


Screw it. People need to be responsible. Don't live in tornado alley and ***** about tornados. Don't live in California and ***** you get earthquakes. Don't maintain an insurance policy, don't ***** when you lose things and they aren't replaced.

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A man who has nothing for which he is willing to fight, nothing which is more important than his own personal safety, is a miserable creature and has no chance of being free unless made and kept so by the exertions of better men than himself. ~ John Stuart Mill

Comrade, those with the money for insurance have a social obligation to provide economic support for those without.

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Buckle your pants or they might fall down.

They're disaster relief loans. You have to pay them back. If you have insurance you don't need the loan.

Not ranting at you Ara, just the concept itsself pisses me off.

It's money that does not need to be parceled out. Besides losing a few % of it on administrative costs, operational costs, defaults, etc., why are we loaning money to people who didn't have insurance to begin with? This is another thing that the government should not be doing. Tho I'm sure that these loans are always paid back in a timely fashion. Why even call it a damned "loan", it's just another giveaway. Loan implies that the money will be repaid.

All I see it the government picking the pocket of the prepared to save the unprepared from their own shortsightedness. It's part of the responsibility of home ownership, and to ones family who depends on you, to take any and all steps to ensure their well being.

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A man who has nothing for which he is willing to fight, nothing which is more important than his own personal safety, is a miserable creature and has no chance of being free unless made and kept so by the exertions of better men than himself. ~ John Stuart Mill

That's a good point. I'd rather see private entities being charitable than government trying to usurp them. However that has nothing to do with the real issue here. FEMA still doesn't have their stuff together and it's somehow not the Executive's fault this time.

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I prefer to think of them as "Fighting evil in another dimension"

Government "insurance" is not insurance. It's taking from some and giving to others.

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"...the line dividing good and evil cuts through the heart of every human being. And who is willing to destroy a piece of his own heart?" -Aleksandr Solzhenitsyn

Well outrage is easily calculated.
White president + any not white people + FEMA = racism and massive outrage at president.
Sorta white president + any not white people + FEMA = Totally FEMAS fault because the former president. (As long as that president was bush)

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A man who has nothing for which he is willing to fight, nothing which is more important than his own personal safety, is a miserable creature and has no chance of being free unless made and kept so by the exertions of better men than himself. ~ John Stuart Mill

Do you have any numbers on the success rate of having these loans repaid? I'd be curious to see how much of a hit these programs sustain during the average disaster.

Also - all flood insurance goes through the NFIP, which is a federal insurance program. But I'm guessing that's not what you meant? (people pay into this like any other type of insurance).