Stephan:   If you read me regularly you know that for about 10 years I have been telling readers that starting about now we are going to see a massive real estate bubble crash of property as a result of climate change, whether sea rise, lack of water, increased temperature, or violent weather events like tornadoes. I had lunch today with a friend who has coastal property on the island where I live and he challenged this saying that they had just raised the appraised value of his property so how could what I was saying be true. My response was that his experience was just another example of how ill-prepared and willfully ignorant most of the U.S. government is about what is coming. Here is a good assessment of where things stand, and I urge you to click through to the many sources the article cites. It's coming folks, and it is going to have a massive financial effect.