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Last month I got a letter from the National Flood Insurance Processing Center,<a href=" " target="_blank">cheap jordans free shipping< a>, which informed me that, according to the Homeowner Flood Insurance Affordability Act of 2014, next year I will … have to pay a $25 surcharge on my flood insurance policy (and only because I actually live in my house – otherwise it would have been $250). Wait,<a href=" " target="_blank">cheap jordans online< a>, affordability assumes that this act should be saving me money — but no such luck. So what happened? You see, a flood is not covered by regular insurance, so the government is offering flood insurance through the National Flood Insurance Program (NFIP). But a government institution is not your normal insurance company, which is supposed to make money; this government insurance company does not really care about its accounting books. So as a result, it ended deep in red and was heavily sponsored by the taxpayers (to the level of billions of dollars,<a href=" " target="_blank">cheap jordans for sale< a>, with a “b,<a href=" " target="_blank">cheap jordans online< a>,” if someone is wondering). Evidently the reason for that problem was that this insurance charged rates significantly lower than were required to cover the costs of restoring expensive properties along the East Coast that are subject to frequent flooding caused by hurricanes. (Of course, private flood insurance cannot compete with the government flood insurance that charges artificially reduced rates so that is really not an option.) So in 2012,<a href=" " target="_blank">amassdenver< a>, Congress passed a law requiring the NFIP to charge the actuarial rates (determined by math and statistics rather than the old low ones) which would<ul>
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