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Tuesday, October 8, 2024

'Small business disaster loan program said in danger of running out of funds'

 The Small Business Administration could run out of money to fund disaster loans in the wake of Hurricane Helene’s devastation.

As is typical after a disaster, the government is offering aid to small businesses that were in Helene’s path. The SBA is offering disaster loans for small businesses in some counties in Florida, Georgia, North Carolina, South Carolina, Tennessee and Virginia.

But President Joe Biden said in a letter to Congress Friday that aid could run out “ in a matter of weeks ” if more federal funding is not approved. And now another hurricane, Milton, is bearing down on Florida,

In a statement, the SBA said that it will continue sharing information about its disaster loan programs and assisting borrowers with initial processing and servicing loans. But if funding lapses, all new offers would be held back and delayed until program funding is replenished.

T“We look forward to working with Congress to secure the federal resources necessary to ensure the SBA can continue funding affordable disaster loans for homeowners, renters, small businesses, and nonprofits,” said U.S. Small Business Administration Administrator Isabel Casillas Guzman. “Americans should not have to wait for critical assistance when they need it the most.”

As it stands, business owners can apply for two different types of disaster loans. Business physical disaster loans are for repairing or replacing disaster-damaged property, including real estate, inventories, supplies, machinery and equipment. Businesses of any size are eligible. Private, non-profit organizations such as charities, churches, private universities, etc., are also eligible. Businesses have until the end of November to apply for these loans.

Economic injury disaster loans are working capital loans to help small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, non-profit organizations meet financial obligations that cannot be met as a direct result of a disaster. These loans are intended to assist through the disaster recovery period. The deadline for these loans is June 30, 2025.

Businesses can access loans up to $2 million. Interest rates are as low as 4% for businesses and 3.25% for nonprofit organizations.

The SBA also offers disaster loans up to $500,000 to homeowners to repair or replace disaster-damaged or destroyed real estate. Homeowners and renters are eligible for up to $100,000 to repair or replace disaster-damaged or destroyed personal property.

Business owners can apply for these loans at https://lending.sba.gov/search-disaster/. And more information can be found at https://www.sba.gov/funding-programs/disaster-assistance/hurricane-helene.

States are offering their own assistance programs too. For example, the Florida Department of Commerce is offering the Florida Small Business Emergency Bridge Loan Program, making $15 million available for businesses impacted by Hurricane Helene. Eligible small businesses may apply for loans of up to $50,000 through the program.

https://apnews.com/article/hurricane-helene-small-business-administration-milton-loans-f087fa405a3e0a9e691fd9c6192be259

Who Raises Your Child — You or the ‘Village’?

 In 2012, Hillary Clinton popularized an old African saying, “It takes a village to raise a child,” meaning the whole community should be involved in turning a small child into a productive adult member of society. Progressives have surreptitiously replaced village with government. Witness their latest assault on parental rights and responsibilities added to all previous federal incursions.

The Biden-Harris administration just released its “comprehensive guidance”  regarding what medical care 38 million Medicaid/CHIP (Children’s Health Insurance Program) under-18 enrollees will receive and will be denied. Never mind what parents think or what pediatricians advise.

Full disclosure: This author is a pediatrician, father, and grandfather.

Even the AAP (American Academy of Pediatrics) has fallen prey to the substitution of officialdom for parental judgment. They added the poorly tested, medically dangerous CoViD genetic treatment (not a vaccine) to the routine childhood vaccination schedule. Follow-up data has shown children are in greater danger from the CoViD jab than the infection.

Deciding proper medical care is simply one more act of federal regulatory takeover of the role of parents. This became obvious during the height of Washington’s CoViD scam.

Everywhere in the country, children large and small, even babies, had to wear surgical masks by federal order. Never mind that children were not at risk from CoViD, that masks do not protect from infection, or that masks were contaminated with bacteria that caused diseases like Lyme disease, meningitis, and tuberculosis. Parents who did not want to “facemask” their children were risking the wrath of the “village,” the government.

Researchers who tried to publish information contrary to Anthony Fauci’s pronouncements were censoredcanceled, and banned from online outlets. So, when parents sought information to discharge their responsibility for their children’s health and welfare, the only data they could access were limited to what Washington allowed them to see, certainly nothing that questioned official statements. After all, Father (government) Knows Best.

If parents want to purchase short-term health insurance, Washington has declared that is a waste of money. The Biden-Harris administration passed rules prohibiting the sale of what they labeled “junk” insurance.

Parents are expected by society and even the Bible (Proverbs 22:6) to be responsible for educating and training their children. That most assuredly includes sex education and orientation.

To be clear, a person’s genetic code, XX (female) or XY (male), is immutable. It is only the outward expression — appearance, behavior, even anatomic structures — that can be changed.

The Department of Education and teacher’s unions include so-called transgender education within kindergarten curricula. School teachers are allowed to educate children about transitioning while hiding such indoctrination from the parents.

For past millennia, parents would model the roles of father and mother for sons and daughters. Now, schoolteachers tell children not to pay attention to their parents and urge youngsters to emulate new, alternate forms of behavior.

Drag Queens are allowed to read to first graders at story hour, against parents’ wishes. When parents speak out at school board meetings opposing what schools are doing to their children, Merrick Garland’s Department of Justice investigated parents as domestic terrorists.

The same usurpation of parental responsibilities occurs with non-sexual education.  Overtly racist, i.e., anti-white “oppressor” critical race theory (CRT) is taught in public schools even though parents do not approve. This social justice propaganda is today’s equivalent of the antisemitic manuals for Brown Shirt Youth in Nazi Germany. Most parents are not racist and do not want any form of anti-anything ideology taught to their children, whether it is anti-black, anti-white, anti-Israel, or anti-Islam. However, school boards and the teacher’s union know what is best for the children, better than the parents. CRT remains in the curricula.

Big Brother, champion of DEI (diversity, equity, inclusion) ideology, has even taken away words like parent, mother, father, son or daughter, substituting renna, moddy, noddy, and sprog.

The most important job for any parent is to raise their child or children: educating, modeling, and providing structure. In that way, the present generation passes on their fundamental values and prepares children to become productive adults who make life a little better for the next generation.

Deploying the power of federal, progressive-dominated Washington has taken over the responsibilities of parents, aka caregivers. The “village” has made the roles of mother and father irrelevant and obsolete, but only if we let them!

Deane Waldman, M.D., MBA is Professor Emeritus of Pediatrics, Pathology, and Decision Science; former Director of Center for Healthcare Policy at Texas Public Policy Foundation; former Director of New Mexico Health Insurance Exchange; and author of 12 books, including multi-award winning, Curing the Cancer in U.S. HealthcareStatesCare and Market-Based Medicine.  Contact him at www.deanewaldman.com.

https://www.americanthinker.com/articles/2024/10/who_raises_your_child_you_or_the_village.html

Besides everything else, Emhoff was reportedly office 'a******', so why did Kamala marry him

 After impregnating his children's nanny, and getting accused of slapping a girlfriend so hard she "spun around," Kamala Harris's hubby, Doug Emhoff, has now been accused of being his company's office 'a******," a foul-mouthed bully who treated the women he worked with like dirt.

So much for that mild-mannered milquetoast persona he presents to MSNBC.

According to the Daily Mail:

Kamala Harris's husband was 'inappropriate' and 'misogynistic' at work, his former colleagues tell DailyMail.com.

Attorneys who worked with Doug Emhoff at his former firm Venable say he yelled expletives, held a men-only cocktail hour in the office, revoked work perks from women who didn't flirt with him, and took only young, attractive associates in a limousine to a ball.

A 2019 lawsuit also claimed sex discrimination by other partners in the LA office Emhoff ran, and that while engaged to Harris, he hired an 'unqualified' part-time model as a legal secretary 'because she was young, attractive and friendly with the powerful men in the office'.

And he got away with it every time. There was a culture of crumminess in that office as lawsuits filed by angry employees indicated. The Daily Mail has all the seedy details.

You wouldn't want to be in workplace with someone like that, even if you were a man. And that's on top of all the other sexist and exploitative things he did outside the office. He was some model who 'redeshaped the perception of masculinity' as Jen Psaki gushed a couple weeks ago. And it certainly could explain why his kids with his previous wife look so troubled and miserable. Imagine what a father like that in the office would be like inside a home.

Which raises questions about how much of this Kamala Harris knew before and after she married the guy ten years ago.

As I noted the other day, she covered up for a lot of appalling men in her career, the kind who'd be pariahs and certainly kept out of the best wokester institutions if the kinds of things they did were known.

But other things about her suggest she's just like him, and Doug's values are her values, so when they met each other, they recognized kindred spirits.

Kamala, recall, has a 92% staff turnover rate. Might crappy behavior have something to do with that? Just as Doug screamed at a female law partner for trying to get his attention to pass on some important information with "get the f*** out of my office" and then bragged about it to management afterward, Kamala is known for screaming at staffers who try to brief her to do her 'homework.' Kamala doesn't do homework, and when she screws up in public as a result, looking utterly stupid, she screams and yells at staff, too.

They pair of them have quite a sense of their own self-importance to the point of rejecting any new information from others.

Meanwhile, Doug was mentioned by name in a sex-harassment lawsuit filed by an employee against another creepy partner (the whole office must have had a lot of creeps), regarding his attractive "trophy secretary" who was named 'Katya,' and was later heard saying that 'everyone should have a Katya,' turning the woman's name into a synonym for arm candy instead of brains.

Kamala, who served as Willie Brown's mistress in her youth in exchange for political favors, cars, party invitations with the Pacific Heights set, and trips to Paris, would have surely understood. That's what women are for -- in both of ttheir worlds.

So did Doug speak up at his law firm when the women were being harassed? Not in the least, he was part of the culture these hideous people were steeped in.

Like Doug, Kamala as California's attorney general, stood by as her top lieutenant, her director for the Division of Law Enforcement, a man who followed her from job to job in their careers, named Larry Wallace, ordered young women to bend down and crawl under his desk to 'check' his computer, again and again, so he could look at their underwear. When they complained, they got reassigned to bad jobs. I wrote about that here.

After the hefty sex-harassment payout came of the inevitable lawsuit, Harris claimed she had no idea this was going on in her own office.

She sounds a lot like Doug in his office, which got lawsuits, too.

It's as if they are exactly alike. No wonder they got married. How interesting that they found kindred souls in one another based on the same values.

These stories about Doug may seem irrelevant to the presidential race, but they probably aren't. They offer a window into the pervy, hypocritical values seen among the phoniest of leftists as birds of a feather. The Clintons had a similar relationship, always together, never separate, despite Bill's serial infidelities, like partners in crime.

Imagine what this Kamala White House would be like if god forbid, this pair made it into the Oval Office. The disgusting stories of their degraded culture would never stop. Character counts, and neither of these two have any.

https://www.americanthinker.com/blog/2024/10/so_besides_everything_else_doug_emhoff_was_reportedly_the_office_a_raising_questions_about_why_kamala_harris_married_him.html

Step Therapy Is Not a Cost Solution

 Hi. I'm Art Caplan. I'm at the Division of Medical Ethics at NYU Grossman School of Medicine in Manhattan in New York City. 

In an interesting development, the state of Illinois recently passed a law signed by the governor to ban so-called step therapy. I doubt I have to explain to most of you watching what that is, but for the few who may not know, this is a requirement imposed by insurance — third parties, who have not seen the patient — to basically say that you have to try intervention X, be it a medicine or some type of physical therapy, before you go to the more expensive procedure that you may feel is best for your patient.

It basically might be called, "try this and you can only go to the more expensive intervention if you fail." It's a fail-first policy. 

The governor— I think rightly — said, insurance has started to use this in a predatory manner just to make money and routinely turn down requests, even in the mental health area for institutionalization in a crisis, to say, we have to save money and you must do what we say first. 

At the end of the day, it's easy to target the insurance guys and the managed care guys and say that they're just out looking to maintain the bottom line. It's easy. I'm going to do it, too, because I think it's true. 

I think this step therapy requirement is inimical to good medical practice. The doctor should know what is best for their patient. The doctor is responsible for prescribing appropriately and weighing out a course of care that makes sense. 

If insurance or someone else doesn't like that, they should not be interfering with the treatment plan. They could come retrospectively, perhaps, and audit to see whether some percentage of people seem to be using things that aren't effective or didn't work out, and then use education to try to reform behavior.

I have no problem with people saying that you ordered the expensive thing, but it turned out it didn't work all that well. Maybe you want to reconsider next time. You tried it on 10 people, and it didn't work. 

Inserting third-party people who don't see the patient absolutely strikes me as interfering with what being a doctor and having your patient's best interest should be about.

It's offensive in mental health settings when that occurs. People are so desperate and it's so important to get them the maximal type of response, particularly in a terrible crisis, that I think it almost borders on criminal to let step therapy dominate what's going on there. 

In many other areas of healthcare, saying, "You've got to try this, stay in pain, be dysfunctional, and not get relief until you fail it, and then we'll move you on to what your doctor thought was the best thing for you," is not the way to achieve either good care for patients or cost containment in the US healthcare system. 

It's true our costs are out of control, but step therapy by third-party interference is not the way to redress prices or costs that need to be brought down. I'm all for doing that, but this tool is not the way to go.

https://www.medscape.com/viewarticle/step-therapy-not-cost-solution-says-ethicist-2024a1000hw2

US Set Record-Highs In Natural Gas Power Generation This Summer

 By Charles Kennedy of OilPrice.com

Low natural gas prices, hotter summer weather, and new generation capacity sent U.S. natural gas-fired power generation to a new all-time high this summer, on some days of which gas-fired electricity made up nearly half of total power output.  

This summer’s record-high was hit on August 2, when America’s natural gas-fired power plants generated more than 7 million megawatt hours (MWh) of electricity, the U.S. Energy Information Administration said on Tuesday.

The record on that day beat by 6.8% the previous summer’s record set on July 28, 2023, the EIA said.

Nine out of the ten days with the most U.S. natural gas-fired electricity generation on record occurred in the summer of 2024. Of those, six occurred in August 2024.

Overall electricity generation for the summer of 2024, June through August, rose by 3% compared to the summer of 2023. The daily average for natural gas-fired electricity generation for the summer this year also increased by 3% year-over-year, to 5.9 million MWh, according to the EIA’s Hourly Electric Grid Monitor.

“Over the past few years, the balance of sources of electricity generation in the United States—especially in the summer—has shifted to more renewables and natural gas and less coal,” the EIA said.

“As electric generation capacity from renewable sources grows, natural gas is used increasingly to balance the intermittent nature of electricity produced from wind and solar.”

So far this year, natural gas-fired power generation in the United States has soared to a record high.

U.S. power producers generated a total of 55.6 million MWh from gas-fired power plants between January and September, up by 5% compared to the same period of last year, according to data from LSEG quoted by Reuters’s columnist Gavin Maguire. This is also the highest power generation from natural gas since at least 2021.

In recent years, power demand in the United States, the single largest portion of which is delivered by gas-fired power plants, has soared and is expected to continue to surge with rising electrification and more electricity necessary to power and cool data centers.

https://www.zerohedge.com/energy/us-set-record-highs-natural-gas-power-generation-summer

'Self-Rescue' - Yes, You Need To Be Able To Do This

 by Karl Denninger via Market-Ticker.org,

Self-rescue.

How many times do you need to see it before you believe it?

People don't take these threats seriously and then they get either seriously harmed or die.  The good news is that technology and warning have both seriously improved in the last 100 years; those who are killed by a natural disaster are down huge, 90% or more, over the last 100 years.

Hurricanes, for example, were many times detected only on approach and thus by the time you knew there was serious trouble coming it was too late to do much in advance.  There were a huge number of them that nobody knows about at all because other than a hapless ship that wandered too close nobody ever saw the "fish spinners."  Today we have satellites and thus anything incipient is known when it starts; this is an enormously good thing.

But there are many disasters that give little or no warning.  That it was going to rain a lot in the path of Helene was known; that a cold front was going to drop the sort of moisture it did in front of it into many of the mountain areas was not accurately forecast nor could it be.  But -- that it was raining heavily in the two days previous was certainly something you could take note of.  The "set up" for what happened is very similar to what occurred in 1916 -- and so was the outcome.  Similarly we can tell when there's a risk of tornadoes in a given area today but not exactly where one will form or strike.  Earthquakes are, with few exceptions, 100% no-warning events.  You can determine you live in a seismic zone (e.g. New Madrid, San Andreas, etc.) but there is no way to know when the event will occur.

Many people believe that a "100 year flood" only happens every 100 years.  False, but even if it was true how long ago was 1916?  Uh, yeah.  No, a "100 year flood" means that there is a one percent chance each year and each trial, that is, each year, is independent just as is a coin toss and thus that one year did or did not have a flood has no bearing on whether the next year will.  To be more-accurate (I fat-fingered this originally, so this is corrected) you have a 99% chance per-year it won't flood.  So if you live in a place that has a "100 year flood" risk over a 30 year mortgage there is a 73.97% chance you will not get flooded -- and a 26% chance you will.  If you do get flooded in year 10 the risk of it happening again over the next 20 is about 18%.

That's right -- you have a one in four risk of getting hosed over 30 years of living somewhere under that threat and if you do  get hit in year ten you have an approximately one in five-and-a-half risk of getting nailed again over the next 20 years if you stay!

By the way if you're in a place considered a five hundred year flood area the odds aren't much better; its 99.8% likely per year you will not flood but cumulatively, over 30 years you still have about a six percent risk of getting screwed.  You probably think you are almost-certainly safe because 1 in 500 would put such events at least five human lives apart and thus "it ain't gonna happen."  You're wrong.

These are mathematical facts.

Second, when and if it happens the help, whatever it, will go to the highest-density places first.  It has to because all resources are finite and thus the correct move is always to help the most people fastest and first.  This is the way triage is and its not cruel or anything of the sort; it is simply doing the best for the most you can with what you have available.  But do not mistake the fact that those resources will go there means you want to be there; if there are one million people in an area you're one in a million and if only 100,000 can be helped you have a 1 in 10 chance of getting that assistance.  90% of the time you still go without and while the more-isolated place might not get any help for two weeks if you're in the 90% it doesn't matter, does it?

Concentrate your efforts on the basics of human need because in a disaster that's what matters most and expect even in a population area to be able to self-provide for at least a week.  

The first and most-basic human need is air; if you can't breathe it you're dead

Fires and toxins are real risks, but they're also ones that when it comes to breathable air your best option is to run at the first hint of trouble no matter where you are.

Second is drinkable water. 

Assuming you are not inordinately stressed you might make three days.  You're probably worthless in two days and children are more susceptible to serious dehydration because their skin area is larger on a percentage basis, so they typically cannot make it past two days and are effectively useless in one day.  Do not expect help to reach you under any circumstance until roughly that amount of time and perhaps more.  Even with "local" relief that ignores exhortations to not go help personally (like here after Helene) it still will take that long because until people can get in there that's just how it is.

Any allegedly "fresh" water source after a disaster has to be presumed contaminated and unsafe unless you have the means to treat it, and there are chemical contamination risks that cannot be reasonably mitigated in a disaster situation at all with water at ground level.  If you have a traditional hot water heater and your home or other residence is physically intact you have somewhere around 50 gallons of usable water in it.  It should still be filtered with a Sawyer and/or treated with Aquamira drops (yes, buy both well in advance!) before consumption, particularly after a few days, but it will not be full of contaminants because it was full of clean water when the system went down.  Keep a short hose around for this purpose and make sure you turn off the electrical or gas feed so once you start using it when water is restored it does not "dry fire."  If you do not have any source of stored water (e.g. you have a tankless system and didn't fill anything in advance) then bottled water is your next and last resort.  Everyone needs to be prepared to deal with this all the time; even if you're on a private well if there's no power the pump won't work (more on that in a minute.)

Third is personal shelter from elements, which includes clothing and similar.  Enough to be out of the wind and elements (e.g. rain, etc.) is frequently enough but not always.  Being wet, particularly in wind, can nail you with hypothermia even in moderately cool temperatures and in colder temperatures it is rapidly deadly.  Some of this is beyond your control and if your housing is destroyed in adverse circumstances securing from that problem is, after immediate threats (e.g. incoming flash flooding) your first priority.  Tools of some description, all the way down to a pocket knife, make a difference -- perhaps a really big difference.  Having some preparation against this (e.g. a shell rain jacket, disposable space blankets, etc.) is inexpensive and everyone should have at least some elements of that available at any time.

The last utter essential is personal protection.  It would be nice if people didn't try to take advantage but some will.  Remember that the option to accept a "lesser injury" does not exist when there is no prompt medical care available, and there won't be in this situation.  Exactly what you choose to do in this regard is a personal choice and I won't go into it on this side of the blog but it is critical to remember that any significant injury can trivially wind up being fatal if you can't get medical attention for a day or two.

The rest is very situational but these first points are not.

Expect communications by "ordinary means" to be unavailable.  This time around Starlink worked when nothing else did -- if you had power available.  No power?  You're still screwed.  And don't kid yourself as to the requirements either; those units require quite a bit of juice, about 100 watts which is non-trivial.

Note that in an actual emergency where ordinary communications (e.g. your cellphone) are unavailable any means of transmission, on any frequency, is legal to summon aid to prevent the imminent loss of either life or property.  One of the cheapest means of doing this is any of the HAM-capable Beofeng radios -- the model 5RM is one of the better options, but hardly the only one, they are entirely portable and can charge over USB.  They are not, however, waterproof -- there are major-manufacturer ones (e.g. ICOM) that are up to and including being submersible but they're a lot more expensive.  

Note that while listening is always legal without any sort of license at all it is illegal (and the FCC means it) to transmit on Ham bands without at least (for these) a Technicians license -- however in an actual emergency where serious and imminent threat to life or property exists and regular communications are unavailable it is lawful to use anything you can manage to talk to anyone on any frequency.  

§ 97.403 Safety of life and protection of property.

No provision of these rules prevents the use by an amateur station of any means of radiocommunication at its disposal to provide essential communication needs in connection with the immediate safety of human life and immediate protection of property when normal communication systems are not available.
§ 97.405 Station in distress.

(a) No provision of these rules prevents the use by an amateur station in distress of any means at its disposal to attract attention, make known its condition and location, and obtain assistance.

(b) No provision of these rules prevents the use by a station, in the exceptional circumstances described in paragraph (a) of this section, of any means of radiocommunications at its disposal to assist a station in distress.

In advance look up the local repeaters in your area and program them in.  Repeaters are typically located up high, have decent power and someone who is competent operating and maintaining them.  You can listen lawfully any time you want; if you can hear a repeater you can probably get to it, and the Hams that operate them will put a lot of effort into getting those back on the air expeditiously because they are one of the key means of communications in emergencies.  Also program in 146.520Mhz as a last-ditch; that is the universal North American (US and Canada) simplex (non-repeater) calling frequency and if there are Hams in the area with a radio on standby in an emergency if you're in range they will likely be able to hear and talk with you.  The best strategy with one of these in an actual emergency, after one attempt to reach the local repeaters, is to check once an hour on the hour listening for others; remember that once the battery is depleted the radio is worthless without a charge and it takes a lot more power to transmit than receive.  Don't waste the power you have in the unit if there is no charging source.

This is a literal $30 piece of equipment that can save your life; if you have an EPIRB/PLB that works in extreme emergencies as well but they're expensive and these are not plus once you set off an EPIRB/PLB it is "used" as the battery will be depleted and since it sends coordinates you have to stay put once you set it off or they go where you no longer are.  Just be aware of the limitations of whatever backups you have but do have one or more.

Another thing to know: Starlink is working on direct to phone links.  How far away that is for general use (they're testing with T-Mobile now) I do not know, but for low-bandwidth (e.g. text message) applications in the next few years this probably will be available and again is a life-saving thing if and when it enters operation.  The hardware is not cheap for "regular" and "mini" "full" Starlink kits (~$600 or so) and the bad news with them is that at present they cannot self-provision, so in an emergency you can't turn it on if you have one stored at your location.  Starlink may eventually fix this (and should, as it makes "terminal sitting in box" a VERY useful emergency communications device) but as of right now with no way to get to the Internet separately on a non-active unit you can't activate it.

Carbon-based fuels and all that run on them are your friend in such a circumstance.  Generators, chainsaws, heavy equipment and similar all run on carbon fuels.  Note that gasoline should be rotated at least once a year if stabilized and non-ethanol and yes, you do not want ethanol in the fuel if at all possible for this use.  If you're even modestly away from civilization or could be cut off from power for any extended period of time two 5 gallon cans you rotate at least once a year (put them in your car and go get new fills) is an excellent emergency investment, assuming your residence survives.  Those of us who have lived in Florida know darn well that those gas cans can be life-savers when a hurricane destroys the power feed to your area.  That little generator will keep your refer and a few lights going.  Consider the inverter models if you don't have one already and are only after real emergency use (e.g. the refer and a few lights, or your fuel-driven furnace controls and blower) -- they sip fuel compared to the older "straight" models under light loads; a refrigerator cycles on and off and modern LED lights consume almost nothing power-wise.  Instead of close to a gallon an hour these will often run anywhere from three to eight hours on a gallon of fuel.  Any generator needs to be exercised, with a load on it, every couple of months for 20 minutes or so because you must know it will start if you need it.

If you're on a well without prior planning your pump will not work on a backup generator; the starting current requirements are too high.  You can put a soft starter in and if you have a 240V capable generator you should as with one a modest generator will run your well pump.  Without a soft starter look at the label on the pump motor for "LRA" (locked-rotor amps) as that's what the generator has to be able to deliver without tripping on a "surge" basis or it will not start it.  Microair makes a suitable unit (they have both 120V and 240V units available; there are other brands for RV use that will work for 120V pumps but most well pumps are 240V.)

In colder climates pay attention to your heat source(s) and a backup for whatever you use for heat is not a suggestion.  Heat pumps are worthless without utility power; they simply draw too much power to run reasonably on a backup generator, except perhaps on a natural-gas fueled whole-house unit.  A gas or propane furnace will run on a small generator if you have a transfer switch for it which is quite inexpensive and you should put one of those in for that specific reason even if you don't have a larger generator and transfer switch (which are expensive) setup.

Note that just now the media is full of stories about "full time" and "in major area" response on the ground.  Its been over a week since the storm hit and had cleared off and just now we're seeing reports of government helicopters, larger aircraft and similar supplies for relief -- up until now it has all been private parties doing it because they want to help those in the area and government relief, with few exceptions, has been, like in so many other cases, absent.

In short expect that even in a heavily-populated area you are on your own for a week and had better be able to deal with that.  In a less-populated (or rural) area it will likely be two weeks or more before you have anything approaching reasonable access to relief efforts, and thus you need to be prepared for two week to a month of being cut off.  If you live somewhere that access can be seriously damaged (e.g. there is only a single mountainside secondary road that reaches your location) you need to be contemplating how you'll deal with that if the road is seriously compromised or destroyed and either have a plan to deal with it or be prepared to bug out if there's any possibility of it happening -- even if the odds are very low.

Take this seriously folks and realize that you cannot outrun either a mudslide/flash flood or storm surge.  Surge is something you have some warning with as hurricanes are well-forecast but flash floods are in many cases akin to tornadoes and while the conditions that can lead to them are usually forecast the event itself often occurs with very little warning.  Both move at speeds that are wildly faster (double or more!) than you can run and in any vehicle if you encounter even one obstruction trying to flee it will overtake and kill you.  The only sane option is to not be there, but if you're trapped where there's no good way out then you have to be able to deal with whatever happened until you can either cut your way out or relief can get to you and in the first days to a week or so the most-likely people to be able to and who will help you are private individuals who live in the area -- not the government in any form whether federal, state or local.

Now after you've read all this above and let it soak in for a bit go into your bathroom or kitchen and do an assessment of your medicine cabinet.

What happens if everything in that cabinet is gone and you can't get more?  If you can do something about that and don't all the above may well mean exactly nothing.

Next take off all your clothes and find a mirror in your house.  Have a good look and don't lie to yourself.

If you have to hike 5 miles over rough terrain to get water and haul enough back for a couple of days for the people in your household can you do it?  Incidentally that requirement is roughly a gallon per person, per day and each gallon masses 8lbs so you're talking about "rucking" 35-40lbs (with the pack) on the five-mile return if there are four people in your household.  If you have to do it, and can't, you will die.  Or if you need to do the same thing with 3-4 gallons of gas for a generator (you do have one, right?) to run your well pump for a few days and keep the refer operating -- can you?

https://www.zerohedge.com/markets/self-rescue-yes-you-need-be-able-do

'White House Mandates 10-Year Deadline for Replacing Lead Pipes'

 The Biden administration mandated that all water systems nationwide replace lead pipes within 10 years in a final rule announced Tuesday.

"We know that over 9 million legacy lead pipes continue to deliver water to homes across our country, but the science has been clear for decades -- there is no safe level of lead in our drinking water," stated Michael Regan, MPA, administrator for the Environmental Protection Agency (EPA), in a call with reporters.

The Lead and Copper Rule Improvements (LCRI)opens in a new tab or window also will require more intensive testing of drinking water and a lower threshold for communities to act to protect their residents from lead-tainted water, the EPA noted. The rule will help increase awareness to ensure families understand the risks of lead in drinking water, where lead pipes exist, and how they will be replaced.

President Biden will travel to Milwaukee to announce the final rule. In 2021, he pledged to replace every lead pipe in America in a decade in his Lead Pipe and Paint Action Planopens in a new tab or window; he remains committed to that promise, according to the White House.

"This is a matter of public health, a matter of environmental justice, a matter of basic human rights, and it is finally being met with the urgency it demands," Regan saidadding that both the president and vice president consider action on this issue a "moral imperative."

Regan noted that lead exposure can cause severe harm to children's mental and physical developmentopens in a new tab or window, delay learning, and irreversibly damage the brain. "In adults, lead can cause increased blood pressure, heart disease, decreased kidney function, and cancer," he added.

Every year, this final rule will prevent up to 900,000 infants from being born with low birthweight, stop up to 200,000 IQ points lost in children, and reduce up to 1,500 cases of premature death from heart disease, according to EPA estimates.

The EPA also announced Tuesday $2.6 billion in new monies for infrastructure funding through the Bipartisan Infrastructure Law to deliver on the administration's goals. As a result of the dedicated funding through this law, "hundreds of thousands" of Americans have already had their lead pipes replaced, according to the White House. Many cities -- including Milwaukee; Detroit; Denver; and Erie, Pennsylvania -- have begun replacing lead pipes and are on track to meet the EPA 10-year deadline.

The Department of Housing and Urban Development (HUD) also said it is investing more than $416 million in new grants that prioritize "hazard reduction to protect children" in addition to improving home health, energy efficiency, and community safety. This includes funding to address lead-based paints, such as implementing training and partnerships to find and rein in lead-based paint hazards and coordinate home inspections.

During the press call, a senior administration official was asked whether exceptions to the rule, seen in the draft stages, could lead to some communities not seeing pipes replaced for as long as 40 to 50 years. The official said that the final rule is "significantly more stringent" than the proposed rule and that "99% of the cities will meet the deadline."

For the remaining 1%, the administration will "aggressively pursue a timeline that stays in line with the president's vision."

https://www.medpagetoday.com/publichealthpolicy/publichealth/112293