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  1. DIE ECHOS VON EDEN. Empfohlen von Erich von Däniken
    Welche verborgenen Fähigkeiten erwachen in uns durch unser neues Wissen?
    Author: Wallis, Paul
    Published: 2022
    Publisher:  AMRA Verlag, Hanau

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    Source: Union catalogues
    Contributor: Wallis, Paul (Künstler)
    Language: German
    Media type: Ebook
    Format: Online
    ISBN: 9783954476374
    Other identifier:
    9783954476374
    Subjects: Aborigines; Indianer; Indigenes Volk
    Other subjects: (Produktform)Electronic book text; (BISAC Subject Heading)REL100000; (BISAC Subject Heading)OCC025000; (VLB-WN)9930; Anunnaki; Christentum; Christen; Islam; Muslime; Moslem; Aliens; Reinkarnation; Reinkarnationsfalle; Satanismus; Nephilim; NWO; Machtelite; Kabale; Neue Weltordnung; Jahwe; JHWE; Enki; Enlil; Sumer; Sitchin; Tellinger; Mesopotamien; Tontafeln; Astronautengötter; Däniken; Nibiru; Planet X; Missing Link; Manipulation; Menschheitsentwicklung; Bindeglied; Goldabbau; Afrika; Irak; Bergwerk; Bewusstseinskontrolle; Gedankenkontrolle; HAARP; Sintflut; Baum der Erkenntnis; Eden; Paradies; 72 Jungfrauen; Bibel; Söhne Gottes; Koran; Schöpfungsgeschichte; Schöpfung; DNA; DNS; Gnostik; Gnostisches Christentum; Jaldabaoth; Jesus; Christus; Teufel; Luzifer; Engel; Archont; Schlange; Gnostizismus; Urschöpfer; Sexualität; Krieg; Geheimer Krieg; Außerirdische; Ancient Aliens; Hinduismus; tibetischer Buddhismus; Arbeiter; Leid; KI; künstliche Intelligenz; Transhumanismus; Hoffnung; Ägypten; Sklavenrasse; AfrikaSklaven; Enuma Elish; Bankensystem; Banker; Monopol; Illuminati; Illuminaten; Götter; Gott; Energie; Prana; Chi; Himmelsgott; Igigi; Bilderberger Zionist; Lichtbringer; Marduk; Marciniak; mehrdimensional; Dimensionen; Frequenzen; Omniversum; Menschen; Musk; Nag Hammadi; Ninhursag; Paulus; Plejader; Religion; Seele; Seelenverbindung; sumerisch; UFO; Urchristentum; Vatikan; Wachstum; Wahrheit; Weltkrieg; Wiedergebutz; zwölfter Planet; 12. Planet; Sünde; Ursünde; Ordo ab Chao; Pseudoreligion; Sekte; Gewalt; negative Resonanz; Diktatur; dunkle Mächte; Glauben; Kirche; Entgleisung; Verdrehung; christliche Botschaft; Fundamentalismus; Konspiration; NWO-Plan; Aleister Crowley; Besessenheit; Vampirismus; Chrislam; Sufis; Irrweg; Fegefeuer; Karl Rahner; Hans Küng; Allah; Atra-Hasis; CESNUR; Erzengel; Freimaurer; Gabriel; Gene; Erbanlagen; Gilgamesch; Gral; Heiliger Geist; Stephen Hawking; Judentum; Kabbalah; Karma; KriegLicht; Logen; Messias; Moses; Nizäa; Pizzagate; Planet; Politik; Reptiloid; Seelenwanderung; Skull and Bones; Spiritualität; spirituell; Tiamat; Jan Erik Sigdell; Seelenebene; Herrschaft der Anunnaki; Bill Gates; George Soros; Corona; Virus; 5G; Atemmaske; Dritter Weltkrieg; Multikultur; Großfinanz; Vereinte Nationen; UNO; WHO; Alice Bailey; Blavatsky; Magie; Pädophilie; Trump; Podesta; FEMA; Geheimgesellschaft; Vergewaltigung; Kannibalismus; Satan; Jahweh; Gender; Transgender; Weltreligion; Mandela-Effekt; Mandela; Schöpfer; Hochstapler; Multidimensional; Dan Brown; Kasachstan; Terraforming; Zeitreise; John Titor; Dimensionstor; Abbott; Flächenland; Flatland; Entropie; Extropie; Überbevölkerung; Zeitlinie; Vampir; Adrenochrom; Abtreibung; Geschmacksverstärker; Geschmackszusatz; Merkel; Obama; Clinton; George Bush; Rockefeller; Rothschild; (VLB-WN)9938; Kopp Verlag; hebräisch; Heile Schrift; Zecharia Sitchin; Paul Wallis; Erich von Däniken
    Scope: Online-Ressource, 256 Seiten
  2. How bad are weather disasters for banks?
    Author: Blickle, Kristian; Hamerling, Sarah N.; Morgan, Donald P.
    Published: [2021]
    Publisher:  Federal Reserve Bank of New York, New York, NY

    Not very. We find that weather disasters over the last quarter century had insignificant or small effects on U.S. banks' performance. This stability seems endogenous rather than a mere reflection of federal aid. Disasters increase loan demand, which... more

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    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 207
    Inter-library loan:
    No inter-library loan

     

    Not very. We find that weather disasters over the last quarter century had insignificant or small effects on U.S. banks' performance. This stability seems endogenous rather than a mere reflection of federal aid. Disasters increase loan demand, which offsets losses and actually boosts profits at larger banks. Local banks tend to avoid mortgage lending where floods are more common than official flood maps would predict, suggesting that local knowledge may also mitigate disaster impacts.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/247913
    Series: Staff reports / Federal Reserve Bank of New York ; no. 990 (November 2021)
    Subjects: hurricanes; wildfires; floods; climate change; weather disasters; FEMA; banks; financial stability; local knowledge
    Scope: 1 Online-Ressource (circa 36 Seiten), Illustrationen
  3. Flood risk and insurance take-up in the flood zone and its periphery
    Author: Petkov, Ivan; Ortega, Francesc
    Published: April 2024
    Publisher:  IZA - Institute of Labor Economics, Bonn, Germany

    Many studies have investigated flood risk and insurance coverage in the 100-year flood zone, but much less is known about the periphery of the flood zone. We present a new approach to estimate flood risk and insurance take-up in the vicinity of the... more

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    Verlag (kostenfrei)
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 4
    Inter-library loan:
    No inter-library loan

     

    Many studies have investigated flood risk and insurance coverage in the 100-year flood zone, but much less is known about the periphery of the flood zone. We present a new approach to estimate flood risk and insurance take-up in the vicinity of the flood zone based on building-level inundation data. We illustrate our approach using data for New York after hurricane Sandy. We show that flood risk falls rapidly as we move away from the flood zone, but remains fairly high for properties located within 250 meters of the flood zone. We also document substantial voluntary insurance take-up in this area prior to the storm, reflecting homeowners' perception of flood risk. Next, we show that experiencing flooding during Sandy led to large increases in flood insurance coverage in the flood zone and its periphery. But, while in the flood zone the increase vanished after 3 years, it was highly persistent in the periphery. By using information on the types of insurance policies purchased by homeowners, we provide evidence that strongly suggests that periphery residents who experienced flooding revised upwardly their beliefs about flood risk and adapted by purchasing (affordable) flood insurance.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/295945
    Series: Discussion paper series / IZA ; no. 16922
    Subjects: flood risk; flood insurance; FEMA; NFIP; hurricane Sandy
    Scope: 1 Online-Ressource (circa 52 Seiten), Illustrationen
  4. Do mortgage lenders respond to flood risk?
    Author: Blickle, Kristian; Perry, Evan; Santos, João A. C.
    Published: [2024]
    Publisher:  Federal Reserve Bank of New York, [New York, NY]

    Using unique nationwide property-level mortgage, flood risk, and flood map data, we analyze whether lenders respond to flood risk that is not captured in FEMA flood maps. We find that lenders are less willing to originate mortgages and charge higher... more

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    Verlag (kostenfrei)
    Resolving-System (kostenfrei)
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 207
    Inter-library loan:
    No inter-library loan

     

    Using unique nationwide property-level mortgage, flood risk, and flood map data, we analyze whether lenders respond to flood risk that is not captured in FEMA flood maps. We find that lenders are less willing to originate mortgages and charge higher rates for lower LTV loans that face "un-mapped" flood risk. This effect is weaker for high income applicants, as well as non-banks and small local banks. However, we find evidence that non-banks and local banks are more likely to securitize/sell mortgages to borrowers prone to flood risk. Taken together, our results are indicative that mortgage lenders are aware of flood risk outside FEMA's identified flood zones.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/300491
    Series: Staff reports / Federal Reserve Bank of New York ; no. 1101 (May 2024)
    Subjects: flood risk; flood maps; bank lending; climate change; natural disasters; HMDA; FEMA; credit constraints
    Scope: 1 Online-Ressource (circa 43 Seiten), Illustrationen
  5. To improve is to change?
    the effects of risk rating 2.0 on flood insurance demand
    Author: Ortega, Francesc; Petkov, Ivan
    Published: May 2024
    Publisher:  IZA - Institute of Labor Economics, Bonn, Germany

    We present a theory of the demand for flood insurance and empirically analyze the effects of the adoption of Risk Rating 2.0, using individual insurance histories for all NFIP policies. The reform increased exit and reduced entry, both in the flood... more

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    Verlag (kostenfrei)
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Location:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signature:
    DS 4
    Inter-library loan:
    No inter-library loan

     

    We present a theory of the demand for flood insurance and empirically analyze the effects of the adoption of Risk Rating 2.0, using individual insurance histories for all NFIP policies. The reform increased exit and reduced entry, both in the flood zone and its periphery. The reform had highly heterogeneous effects on insurance costs and triggered adjustments in coverage and deductibles. On average, RR2 increased costs for renewers outside of the flood zone but lowered them for renewers in the flood zone, resulting in an overall average increase. However, the reform reduced revenue and increased financial exposure to flood risk.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/299949
    Series: Discussion paper series / IZA ; no. 17021
    Subjects: flood risk; insurance; Risk Rating 2.0; FEMA; NFIP
    Scope: 1 Online-Ressource (circa 61 Seiten), Illustrationen