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Hello!I can answer that for you…Remember the 2008 financial crisis, when banks almost single handedly destroyed the entire world economy? And when Congress and President Obama had to bail them out in order to save the economic, financial system that same economy was predicated on?Well, boys and girls, ladies and gentlemen, those same banks who were saved from total extincton and demise with OUR tax dollars,are at it again!New research first reported on Friday by The New York Times suggests banks are shifting mortgages made riskier by the climate emergency over to financial institutions backed by U.S. taxpayers—findings that "echo the subprime lending crisis of 2008, when unexpected drops in home values cascaded through the economy and triggered recession."Readers described the Times report as "huge" as well as "fascinating and provocative." It elicited immediate critiques and concerns regarding banks' actions and the sweeping potential consequences for American taxpayers and the global economy.You might think banks would protect themselves from rising seas by issuing fewer mortgages in risky areasIt turns out they are protecting themselves, but not by issuing fewer mortgages. They're just dumping them on taxpayers, a new study says.https://t.co/atPlTIaiia— Nicholas Kusnetz (@nkus) September 27, 2019The research is set to be published Monday as a National Bureau of Economic Research (NBER) working paper entitled Mortgage Finance in the Face of Rising Climate Risk (pdf).Co-authors Amine Ouazad of HEC Montreal and Matthew Kahn of Johns Hopkins University analyzed how lenders have handled mortgages in U.S. regions hit by destructive hurricanes between 2004 and 2012."They found that, after those hurricanes, lenders increased by almost 10 percent the share of those mortgages that they sold to Fannie Mae and Freddie Mac, government-sponsored enterprises whose debts are backed by taxpayers," the Times reported.According to the newspaper:Selling mortgages to Fannie and Freddie allows banks to avoid the financial risk that homeowners will default on the mortgages. Hurricanes increase that risk: Mr. Ouazad and Mr. Kahn found that the odds of an eventual foreclosure rise by 3.6 percentage points for a mortgage originated in the first year after a hurricane, and by 4.9 percentage points for a mortgage originated in the third year.The regulations governing Fannie and Freddie do not let them factor the added risk from natural disasters into their pricing, which means banks and other lenders can offload mortgages in vulnerable areas without financial penalty. That increases the incentive for banks to make the loans and then move them off their books, the authors said.Fannie Mae and Freddie Mac are private companies created by the government to support mortgage and housing markets. After suffering massive losses during the 2008 financial crisis, the federal government essentially began to back their debts. The Trump administration has proposed shifting their role to the private sector, though no legislation appears imminent.As unsustainable humanity activity continues to drive up global temperatures, which scientists say is making extreme weather worse, a growing number of homeowners impacted by natural disasters could default on their mortgages—which, according to the new paper, banks are selling to Fannie and Freddie. The researchers warn the impacts could be felt across the country."We're talking about a loss that's going to be borne by United States taxpayers," Ouazad told the Times. Noting that up to $100 billion in new mortgages are issued for coastal homes annually, he added, "we're not talking about a small number."Ouazad said he hopes the research spurs a national discussion about lending policies for regions increasingly at risk in a warming world. "Do we still want to have 30-year fixed mortgages in areas at risk of flooding?" he asked. "I'm not sure about that."The paper and its researchers declined to name any specific banks, but the Times reached out to some of the nation's largest lenders. Representatives for JP Morgan Chase and Wells Fargo "denied engaging in the practice described in the paper," the Times reported. "Quicken Loans and Bank of America did not respond to questions."The Mortgage Bankers Association—which represents lenders—as well as Fannie Mae and Freddie Mac declined the Times' requests for comment. The Federal Housing Finance Agency, which regulates Fannie and Freddie, did not respond.However, the Times noted, economists at Fannie and Freddie have previously expressed concerns about climate-related risks such as rising seas. For example, Freddie Mac's then-chief economist Sean Becketti warned in 2016 that "the economic losses and social disruption may happen gradually, but they are likely to be greater in total than those experienced in the housing crisis and Great Recession.""In the housing crisis, a significant share of borrowers continued to make their mortgage payments even though the values of their homes were less than the balances of their mortgages," Becketti explained. "It is less likely that borrowers will continue to make mortgage payments if their homes are literally underwater. As a result, lenders, servicers, and mortgage insurers are likely to suffer large losses."According to the new research, big banks may avoid some anticipated losses by selling off risky mortgages. Sierra Club campaigner Ben Cushing pointed out on Twitter Friday that those same big banks have helped fuel the climate crisis by pouring billions of dollars per year into coal, natural gas, and oil companies.Highlighting a paragraph from the Times report that outlined how lenders can offload mortgages to Fannie and Freddie without penalty, Cushing concluded, "This is insane."Banks like @WellsFargo & @Chase have been fueling the climate crisis, and now they’re trying to shove the risks of that on to taxpayers. 🤬 #BankingOnClimateChange https://t.co/CWqt0IuJZm— Ben Cushing (@bmcushing) September 27, 2019You better be prepared people, these are serious warning signs and I’m giving you fair warning!Part of this answer is attributed to: Breaking News, World News & Multimedia Twitter. It's what's happening. Jessica Corbett (@corbett_jessica) | Twitter http://ouazad.com Common Dreams Freddie Mac Home

For those who think this is not possible… if I was able to get all 1, 2 and 3 top search results on Google, you can too.To prove my point, as of 05/05/2016 at 4:30 PM PST. Visit google.com and search for “cash out refinance orange county”, you’ll notice that the top 3 organic results are all for “Arbor - Top-Rated Orange County Mortgage Broker “. Which is a financial company that I handle their SEO marketing.Another keyword with a difficulty score of over 50%. This means it is really difficult to get on the first 1-5 pages of Google. Especially when there is over 1 Billion competing web pages fighting for the same positions on Google. Try "Get preapproved for a mortgage online". You will also notice that I was able to compete with National GIANTS such as Quicken Loans, Zillow, US Bank, Bank of American and Wells Fargo. Arbor - Top-Rated Orange County Mortgage Broker is right there on page 2 right after Citizen Bank.This is just to show you that I am not bluffing and that I am talking from experience. So, how did I do it?I am going to provide you with 10 steps to get on Google's first page. These 10 steps purely search engine optimization (SEO) efforts. They will show you “how to get your site on page 1 of google for free”, without paid advertisement, keyword bidding and so on. I do not have a hidden agenda, I do not claim any guarantees for Google’s search engine ranking, I do not work for Google and I am certainly not in any way or form responsible for anyone’s acts. Simply put, these steps have worked and are still working for me as of 05/05/2016 and all I am trying to do here is help the community and those who are struggling with their SEO methods.Step 1: Figure out which keyword you want to rank forYou can use Google. Are you serious? Yes, when you do a Google search for your keyword, Google provides you with related search keywords to choose from. That is a great start. So, let’s get started! Shall we?Visit Google and search for your keyword.Write down that keyword and the suggested keywords on a Notepad or your favorite text editor. Microsoft Word works. I use Sublime Text 3.If you want more suggestions, visit Free keyword research tool and Keyword Tool: 750+ Google Keyword Suggestions for Free. Use 192 Google Domains & 83 Languages.Step 2: Figure out the keyword’s search volume and ranking difficulty.Search volume and ranking difficulty are known as Key Performance Indicators (KPI). The higher the search volume the more traffic your web page will likely to receive. The lower the ranking difficulty, the lower the competition, the higher the chance to rank on the top 10 results of Google’s search results.Since we are trying to get on the first page of Google, let’s use Google Adwords to see traffic we anticipate to get and how difficult to rank for a chosen keyword.Visit Google Adwords Keyword Planner: https://adwords.google.com/ko/KeywordPlanner/HomeEnter all keywords in the keyword planner and hit “Get Ideas”Chose the most searched for keywords with Low-to-Medium competition.In my case, I choose to rank for “how to get my website on Google first page”.Step 3: Find the top 20 competitors.Once you have chosen which keyword you want to rank for, go back to Google and search for that keyword. Then write down the URLs for all of the top 1 and 2 pages of Google.Visit GoogleSearch for your chosen keywordVisit the top 20 websites on Google, copy and paste those 20 website addresses into your favorite text editor.Now you should have your top 20 competitors and their website URLs or webpages rank for that same keyword as yours.Step 4: Spy on Competitors.Now that you know your competitors, you want to know what every competitor is doing to rank on top pages of Google. That usually means you have to read all 20 web pages of your competitors, understand and analyze what they wrote about. When you do so, you will notice some similarities in their content, concepts, advice or whatever it is that might be helping them rank on the first and second page of google. It is usually because most of them had covered the subject, product and/or service well.To help you with this process, do the following:Visit SpyFu Keyword Research Tools, SEO Research, SEO Overview. SpyFu is a paid service, but you will still get a great amount of insight from a free version.Enter your top competitor’s URL in the search box and hit enter. That is whoever is ranking on the first search result of page one of Google.Look at all competitors and their profitable keywords. My favorite is “Shared Keywords = Kombat” and “Most Valuable SEO Keywords” under “SEO Keywords”. Sort the most valuable keyword by “Searches/Mo” and then “Ranking Difficulty”.Now you should have a very clear idea of what keywords are driving your competitors ranking up to page 1 and 2 of Google’s search engine.Step 5: Match and compare your keyword research with your competitorsMost SEO fail when trying to compete for the same exact keywords competitors are ranking for. When your competitor has been ranking on page 1 of Google or any search engine for quite some time for a certain keyword, it becomes very hard to take over their place. Do not take your competitors’ same exact keyword and try to rank for that. Take my advice and DO NOT DO IT. The trick is to take a very similar keyword and try to rank for.For example, Codeable.io - #1 outsourcing service for WordPress is ranking for “How do I get on the first page of Google?” Instead of me having to optimize for that exact keyword “How do I get on the first page of Google?” I went ahead and optimized for “how to get my website on google first page?”Do you think there is a difference in these 2 questions? Please note that I am using these as an example only and for the purpose of this post.How do I get on the first page of Google?How to get my website on Google’s first page?To humans, the answer is no. That is because conceptually they both have the same meaning.To Search Engines, the answer is yes. And here’s why:In short, search engines break the 2 questions into separate words.Let’s just say lots of algorithms are run to evaluate each word separatelyThen lots of other algorithms are run to evaluate each sentence separately.To prove my point, when you try searching each question, why does Google return different search results? Try it, you'll know what I mean.Now that we've established that there is a difference between both keywords, we will then optimize for the keyword that is easier to rank for and that is NOT the same exact keyword (word-for-word) as the competition.Ok, so the trick is understood. We’ve chosen a very similar keyword to that keyword that is ranking on page one of Google, how do we get to take over page 1 or the first position?Step 6: Write better content than all of your top 20 competitors combinedThe key to ranking on top 1, 2 and 3 search results are writing valuable content. I am not here to show you how to write content. Heck, I am a terrible writer, but as long as you understand me and I am able to help you, that is all that matters.One thing you must do well is this “Know what your customer's needs are, and provide them with solutions that satisfy those needs”. This is really easy since you already have read the top 20 pages on Google!If your competition is providing something of value, it is likely that the market demands such a need. Since you have already read the top 20 websites ranking for your chosen keyword, you now have a very good understanding of what the demand is. More importantly, you are in a very good position to write and provide the most valuable content about such demand. So, here’s what you do next:Cover the need, subject, product or service wellKeep spying on your competitors by adding and improving more content to the subject/product (Keep this in mind as a later task when following up on your ranking)Don’t just copy your competitors’ content. Be original, do better and write more valuable content.Now that you have written your content, prepare yourself to get technical.Step 7: Search EngineOptimizationThis is the technical part. If you don’t currently have a blog, hire someone to make you a WordPress blog. This way you can log in and add your content, then install a search engine optimization plugin to optimize your content.If you have a complex, custom built website that is not a WordPress website, I recommend you hire a professional search engine optimization consultant to handle this task for you.If you have an SEO software, great! Use it to optimize your content and your webpage. If not, use Screaming Frog SEO which is free to optimize your page.I personally use SpyFu, SEMRush, SEOProfiler and a few others but you only need one. I recommend SEOProfiler for organic SEO and SpyFu for paid advertising.Need SEO Help? There are tons of valuable resources online. Google’s SEO guide would be a good start:https://support.google.com/webmasters/answer/7451184?hl=enThis SEO step will require you to do at least the following:Online Optimization:URL, Keyword, Page title, description and metatags optimizationWeb page, headers and content (images, text, videos, etc.) optimizationSever speed and page performance (load, responsive, etc.) optimizationOffline Optimization:Link BuildingSocial OptimizationSocial OptimizationReviews, testimonials, feedbacks, etc.Whatever you do, avoid SPAM and Blackhat SEO. Do not do anything that could harm your business.Still, need more SEO help? Contact me: https://jamestyler.marketing/onboarding/contact and in the comment section, please ask for the 344-Pages-SEO-Manual I will be more than happy to email you the full SEO Guide at no cost.Step 8: Present a consistent professional brand image and a better mobile-friendly user experience (UX)This is the easiest and one of the most critical steps that are often overlooked by many companies. The critical misconception here is“Consistent”. Whatever your brand image is throughout your online presence, make sure it is consistent across all channels – that is any alignment, logos, colors, fonts, etc. must match on your website, blog, flyers, white papers, infographics, slide decks, videos, social media, etc.Mobile friendly user experience is by far one of the most important factors that play an integral role in search engine ranking. I had to include this within the brand image step because UX is really part of your brand identity and can’t be separated. All channels whether it is your website, blog, white paper or social media, they all need to speak one message. That message must be aligned and consistent with your brand mission and vision.Consistency in your brand identity, message, and simplicity of user experience indicate trust and credibility, thus Google views your brand as worthy for better rankings than other brands that are inconsistent.Step 9: Help others by offering free valuable resourcesNow that you have your content on an optimized web page, create a one or two-page article or a summary in a form of a white paper, infographic or a recorded video. Whatever format is convenient for you. The key is to create a valuable resource that provides solutions to your audience, your customers and influencers in your marketplace. Such a resource can be used to bring inbound traffic to your page.Here are some of the benefits of creating a helpful resource:Your influencers will link to your pageYou will then get free inbound trafficYour visitors get to download free valuable resourceYou can actually get leads if you want email addresses in exchange for the resource. I don’t recommend this for if you are just starting up.Google’s search engines see traction to your websiteYour page will start ranking higher.Step 10: Get the word out(Content Distribution)Now that you have a valuable piece of information, you need to let those who might need it know about it. I will be writing a completely separate guide on this step but for now, here are a few options you can pursue to distribute your values/content/solutions:You can use Quora, Reddit or any other online communities to talk about your valuable resourcesYou can utilize social media’s free organic posting and sharing. You can use the free Hootsuite software to share your content.My best advice here is to reach out to influencers in your marketplace. This by far the most effective method.Influencers are partners that have a common audience but different interests in that audience than you. By strategically developing alliances with partners, you will help your partners and yourself. A win-win strategy is always best!For example, let’s say Marketing Company ABC is looking to acquire Business Owners who are interested in SEO services. Let’s say Business Consulting XYZ is looking for Business Owners who are interested in Business Strategy and Coaching Services. The two companies are looking for the same ideal customer “Business Owners” but both offering 2 different services. There is no Conflict of Interest (COI).So, instead of Marketing Company ABC and Business Consulting XYZ putting their own money and marketing efforts of going after the same audience “Business Owners”, they can both for an alliance together to refer each other the same “Business Owners”. This way, not only the free referral program will benefit both companies, the “Business Owners” will more likely do business with a referred company as referrals build more trust and known to have better conversions than any other form of marketing.Bottom line, the better the optimization, the more valuable the content and the higher the number of backlinks, the higher the ranking will be on Google and search engines in general. Then, the more traffic your page will receive, the better the ranking gets.ConclusionIn conclusion, ranking on the first page of Google is a strategy and a commitment. How to get on the first page of Google isn’t what’s critical, what’s difficult is the preservation of ranking on page 1 of Google. Your strategy is to start by determining the most profitable keyword you want to rank for and then write valuable content about that keyword. Your commitment is to then provide value to the community and your customers with content to relevant products or services. The better the value of your content and the more solutions your products and services can solve, the higher you’ll rank.So, “How to get my website on Google’s first page?” really comes down to be 2 things:Write great Content, andProvide Viable Solutions.Once all of the above 10 steps are accomplished, give it 30 days, then use the free Google Analytics and Google Webmaster tools to measure your success in ranking on Google’s first page.In less than 60 days, I was able to move rankings from page 54 of Google to page 1 and take over the top 3 results. The best part, it all cost zero dollars. And, with that, I hope this article provides great values to those who followed along this far :)See the full post with pictures here: How to get my website on Google's first page?Or download the PDF to read later: http://www.marketingengines.net/resources/seo/how-to-get-my-website-on-google-first-page.pdf– JamesTylerhttps://JamesTyler.Marketing

In September 2005, Guttmacher Institute – an organization that has been decried by Pro Life/Anti-Abortion Rights advocates as "the research arm of Planned Parenthood"[1] and as having methodologies that are "not only unsound scientifically, but unprofessional"[2] – published a report based on a study funded by the David & Lucille Packard Foundation. The studies title was "Reasons U.S. Women Have Abortions: Quantitative and Qualitative Perspectives" and it was published in Volume 37, Number 3 of Perspectives on Sexual and Reproductive Health.Obviously, this topic is highly controversial and the sources and study may be matters of debate to some. I have a great deal of faith in the scientific integrity of both Planned Parenthood and the David & Lucille Packard Foundation, so I'll proceed.Here's a link to the study's results: http://www.guttmacher.org/pubs/journals/3711005.html(You can also read it in PDF form: http://www.guttmacher.org/pubs/journals/3711005.pdfThere are two tables worthy of note that may assist you in answering your question:http://www.guttmacher.org/tables/370305/3711005t2.pdfhttp://www.guttmacher.org/tables/370305/3711005t3.pdfThat gives us some research data to work with, and hopefully leads you to an answer to your question.What this data does NOT do itself is make any assertions about what constitutes "convenience." You'll have to make that determination for yourself based on your moral positions on the subject.My take on this particular question and its construction:Abortion may be the single most charged issue in our society today – and that is saying something given the contentiousness we face in our civic life on matters of war & peace, racism, economic inequality, sexual orientation, and countless other matters.I think it is right that this is a charged issue. It cuts to the heart of some very fundamental questions of philosophy, ethics, morality, religion, personal liberty, and conscience. I'm glad to see research done into the reasoning behind the choice to abort so that policy steps can be taken and services can be offered to prevent unwanted pregnancies from occurring in the first place. To label any reason that a woman would choose to have an abortion as "convenient" strikes me as dismissive and undercuts the gravity of the topic from all sides. How to deal with an unwanted pregnancy is an incredibly serious choice for a woman to make.And I firmly believe that whatever anyone else may think of that choice, the right to make that choice belongs to the woman.Interestingly enough, Guttmacher published a study in August 2012 entitled "More than poverty: disruptive events among women having abortions in the USA" As summarized in the abstract:More than half (57%) of the women obtaining abortions experienced a potentially disruptive event within the last year, most commonly unemployment (20%), separation from a partner (16%), falling behind on rent/mortgage (14%) and/or moving multiple times (12%).Conclusion Many abortion patients make decisions about their pregnancies in the midst of complex life circumstances.Writing for The Nation (magazine), Emily Douglas referenced the study in a piece that seems quite pertinent to this discussion. "Does It Matter Why Women Have Abortions?' http://www.thenation.com/blog/169491/does-it-matter-why-women-have-abortions It's worth a read.[1] http://www.catholicnewsagency.com/news/proabortion_guttmacher_institute_produces_bogus_abortion_statistics/, http://www.all.org/nav/index/heading/OQ/cat/ODk/id/NzAxOQ/[2] http://www.lifenews.com/2012/05/24/guttmacher-instittue-inflates-number-of-illegal-abortions/______________P.S. Credit to Toni Shuma – who holds a different position from me on the ultimate question of Abortion Rights – for identifying the Guttmacher study.