By target is meant that it's those keywords that you will want your page to rank for. It's not really possible to rank highly for everything, so it's necessary for you to choose a single phrase to bring up your site in the results. This way when someone types in 'best pens' they'll come up with your online pen store instead of someone else's and will be likely to use your service as a result. Alternatively they might type in 'how to lizards swim' and find your article where they'll be likely to click adverts and affiliate links.
In order to get your site to rank for keywords or key phrases you need to then include all of those keywords in every aspect of your website. That means they need to be laced in with the text, included in the file names of your various files Authentic Kyle Okposo Jersey , even included in the links you have pointing to your page from elsewhere. As such you need to know what your keyphrases are before you start building the website. Inserting them after you've written the content will look forced and awkward, and changing file names after you've already uploaded pages will ruin any links you already have pointing there when you do.
To decide on your key phrases you need to use keyphrase research as well, in order to find out which keyphrases are regularly searched for without being overcrowded by other sites ranking for the same terms. This will mean that you relatively quickly get to see your site in the search results, and that people will type in that term to search for it. Bearing in mind that you will be building your site around the keyphrase it's very important that you first ensure that you've chosen your keyphrase well or it will all prove to be a waste of time and energy. In fact searching for your keyword and seeing what people are searching for can sometimes even help you to decide on which articles to write to begin with. There is nothing wrong with doing it this way around, you will simply be providing your visitors and readers with what you know they want. In other words then Authentic Jake McCabe Jersey , keyword research should always be the first step for SEO and even in planning and writing articles.
The applications also included inflated appraisals of the properties prepared by unlicensed appraisers and falsified employment documents. Sentencing is scheduled for September 2009, and the two are each facing the possibility of $250,000 in fines and twenty years in prison. The two convicts are only a drop in the growing pond, however, and are not the only ones to blame for the subprime lending crash.
Laissez-Faire lending oversight and standards also provided an avenue for “fraud for profit.” In one New York case Justin Bailey Jersey , the FBI has charged twenty-six people for fraud. The defendants allegedly used stolen identities, invented buyers, and inflated appraisals in order to obtain over $200 million worth of properties. Several other similar operations have been eliminated by law enforcement – in an Ohio case, almost half of all the mortgages processed by a single broker did not make a single payment. Unfortunately, many other fraudulent borrowers and lenders will get away with it Ryan O'Reilly Jersey , because the money is “out of the door” and there is no recovery to be had.
For many investors, the growth and rapid bust of the lending industry reminds them of the savings and loan crisis of the early 1990s. That crisis ended with the federal government pumping the market with a bailout of $150 billion, and a small number of high-profile fraud convictions. Presently, however, the major losers in terms of real dollars have been the hedge funds. Though these funds are in theory only limited to the more wealthy investors Benoit Pouliot Jersey , small business and borrowers alike could soon feel the famous “trickle-down” effect. The present administration is considering its available options and will probably end up pressured into out lending companies, the borrowers facing foreclosure, or both. In the meantime, class action litigation has begun, and will not end anytime soon.
ADDRESSING THE PROBLEM IN CONGRESS
On October 22 Rasmus Ristolainen Jersey , 2007, Representatives Brad Miller (D-NC), Mel Watt (D-NC), and Barney Frank (D-MA) introduced “The Mortgage Reform and Anti-Predatory Lending Act of 2007.” The stated purpose of the Act is to “reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators Robin Lehner Jersey , to provide certain standards for consumer mortgage loans, and for other purposes.” The purpose of the Act, in summary, is to place a substantial burden on mortgage lenders while vaguely ignoring any irresponsibility in borrowing.
Title II of the Act is entitled “Minimum Standards for Mortgages.” Under this Title, no mortgage lender is allowed to make a residential mortgage loan unless it makes a “reasonable and good faith” determination that the borrower has a “reasonable ability to repay” the loan. The basis for such a determination would have to be the borrower’s credit history Zemgus Girgensons Jersey , current income, expected income, current obligations, debt-to-income ratio, employment status Sam Reinhart Jersey , and “oth. Wholesale Authentic Jerseys Wholesale Jerseys Cheap Cheap NBA Jerseys China Wholesale Hats Cheap Hats Cheap Hoddies China Cheap College Hats Cheap Soccer T-shirts Cheap Adidas NHL T-shirts Cheap Nike NFL Hats