THE BIG QUESTION THAT HAS BEEN TOP ON MY LIST IS . . "WHEN WILL THE GLOBAL POPULATIONS OF BRAINDEAD PUPPETS OF THE RUTHLESS EVIL RICH AND POWERFUL FINALLY REALIZE THAT "ABRUPT CLIMATE CHANGE" WILL DESTROY PLANET EVIL GREED . . SOON? . . SPAWNING GLOBAL CAHOS!" WHICH OF THESE POTENTIAL "ABRUPT CLIMATE CHANGE" MEGA DISASTERS WILL STRIKE FIRST? 1. "THE COLLAPSE OF US HOUSING AND REAL ESTATE MARKETS," DUE TO "ABRUPT CLIMATE CHANGE" CAUSED COLLAPSE OF THE INSURANCE MARKETS FOR THESE ASSETS. 2. "THE SIBERIAN METHANE MONSTER SUPER STORMS," CAUSED BY 89.2 F PLUS DEEP WATER TEMPERATURES IN THE GULF OF MEXICO AND THE MAIN DEVELOPMENT AREA FROM NORTH WESTERN AFRICA TO THE CARIBBEAN. 3. "THE FIREY WAVES OF DEATH," THINK LAHINA, MAUI, HI ON "TRUMPET COCAIN" CAUSED BY "COMPLETELY ICE FREE ARCTIC" UNLEASHING 50 TO 100S OF GIGATONS OF SIBERIAN AND ARCTIC METHANE. IN THE EVENT THAT "COMPLETELY ICE FREE ARCTIC" DOES NOT OCCUR FOR MANY DECADES, AND THAT 89.2 F WATER TEMPS THAT EXISTED AT THE DEEP WATER BOUYS IN THE GULF OF MEXICO IN JULY 2023, DO NOT CAUSE "THE SIBERIAN METHANE MONSTER SUPER STORMS" WITH WINDS 220-250 MPH, DO NOT OCCUR SOON. IT IS LIKELY, IN MY OPINION, TO BE . . "THE COLLAPSE OF THE INSURANCE OF HOUSING AND REAL ESTATE, WHICH THEN CAUSES THEIR PRICES TO COLLAPSE," DUE TO ONGOING HUNDREDS OF BILLIONS IN LOSSES FOR INSURERS, THAT IS LIKELY TO CAUSE . . "GLOBAL CAHOS" . . DUE TO . . "ABRUPT CLIMATE CHANGE HELL." MY PERSONAL BELIEF IS THAT . . "THE SIBERIAN METHANE MONSTER SUPER STORMS," WITH SUSTAINED WIND SPEEDS OF 220-250 PLUS, CAUSED BY 89.2 F PLUS DEEP WATER TEMPS IN . . THE GULF OF MEXICO . . AND . . THE MAIN DEVELOPMENT AREA, THAT ARE LIKELY TO HAPPEN IN THE NEXT TWO TO THREE YEARS, THAT IS MOST-LIKELY TO CAUSE "GLOBAL CAHOS," BEFORE THESE OTHER TWO VARIABLES. PLEASE SEE THE PRIOR POSTS: GLOBAL CAHOS BY 2026 DUE TO THE SIBERIAN METHANE MONSTER SUPER STORMS! 2024?! DUE TO TRAGEDY IN THE TROPICS! NORDICS ENVY US? NOT! WE R "ALL FOR ONE!" "NONE FOR THE REST!" THEY R 4 "THE REST" & "THOSE IN NEED" "NOT THEIR GREED!" US NORDICS R WHAT YOU DID NOT DO TO ME UPDATED . . THE MOST IMPORTANT POST ON GOD'S SITE: "ENTER THE NARROW GATES!" TRUE NORDICS! THE GREEN PARTY! JILL STEIN BERNIE AOC THE SQAD! WIDE & BROAD ARE THE GATES TO HELL! TOTALITARIAN GANGSTER CAPITALISM & SOCIALISM! FORETOLD! "DONNY THE DEVIL!" OF SATAN'S EMPIRE! DAMN TRANS/GTLBX = GOD DAMNS U! STARVATION DUE TO CROPS BURNING UP & FLOODING! THE 3RD GLOBAL GENOCIDE KILLER! A BRUTAL WAY TO GO! WET BULB TEMPS, NO FRESH WATER OR FOOD! THE BIG THREE KILLERS! MONOPOLIST NAZI SLAVE OWNER'S DARK MONEY'S $1.6 BILLION SUPREME INJUSTICE POLITICAL BUYOFF! THE BAD NEWS ABOUT THE LACK OF DECLINE IN ARCTIC SEA ICE AND THE HORRIFIC NEWS ABOUT TOO MUCH BAD & TOO LITTLE CLEAN WATER! SECOND GLOBAL KILLER OF CROPS & PEOPLE! ABRUPT CLIMATE CHANGE LOCATIONS TO LIVE NEAR CLEAN FRESH WATER LOW RISKS TOP PICKS! 2025-7 "THE FIREY WAVES OF DEATH!" "WET BULB" TEMPS DRIVEN BY "HOT STUFF" INSURES 3-4 BILLION DEATHS 2 YEARS FROM "ICE FREE ARCTIC!" THE POOR DIE QUICKLY! THE REST EXIT PEACEFULLY OR NOT! RICH & WHORES FRY IN HELL! SATAN'S ANTI-CHRISTIANS! EVIL NOT GOD! "THE APOCALYPSE!" BY 2025-27! DUE TO "ICE FREE ARCTIC!" UNLEASHING "HOT STUFF!" "THE SIBERIAN METHANE MONSTER!" CHRIST'S MOST PROFOUND PROPHECY COMES TRUE! ONE DAY NORMAL! THE NEXT DAY! HELL ON EARTH! BY 2025-27! THE SECOND COMING! THE FINAL JUDGEMENT! "THE ONLY SOLUTION" TO "THE PLANET OF TATERS & LICKERS!" RETHINKING "MY INSPIRATIONS & PRAYERS" "COMING SOONER?" "FORGIVING MORE?" THE DOORS TO HEAVEN MAY BE NARROW! ONLY FOR NORDIC CHRISTIANS & FOLLOWERS! WILL ALL TATERS & LICKERS FRY IN HELL? PRAY NOT! "USA SATANIC SLAVE EMPIRE!" "HAPPY SLAVELANDIA DAY!" PRAY FOR "THE SECOND COMING BY 7/4/27! "THE END OF RUTHLESS RULE BY SLAVE OWNING SATAN'S MAFIA DONS, OPERATORS & WHORES!" "TIME FOR GOD'S LOVE TO BLESS THE GOOD SOULS!" SOON "FREE AT LAST!" LOV U!
Buyer Beware Unpriced climate risk the housing market’s bubble in the bloodstream. By Ryan Kingsley Staff Writer https://nationalmortgageprofessional.com/news/buyer-beware  Cliff Rossi wakes at sunrise most mornings to the clamor of crab boats heading down Fishing Creek, a tributary off the Little Choptank River south of Cambridge, Maryland. His house sits roughly 100 feet from the shore. When he and his wife bought their home in Dorchester County more than two decades ago, they had to sign a disclosure alerting them to the local fishery’s hazards and noise disruptions. Nobody mentioned the localized flooding that closes roads and traps some residents on the other side of the bridge when storm systems move up the coast. Yet, two decades ago such flooding occurred with much less frequency, rendering it much less disruptive and expensive. “Few disclosures exist for any climate-related risk exposures,” says Rossi, a risk management expert whose expansive career in executive roles at government and business entities including the U.S. Treasury, Fannie Mae, Freddie Mac, Citigroup, Washington Mutual, Countrywide Bank, and Radian Guaranty has landed him at the University of Maryland as director of the Smith Enterprise Risk Consortium. “Our real estate rules haven't yet caught up to this late-breaking risk that everybody's now focusing on,” he warns. For increasingly more borrowers and homeowners across the United States, the American Dream of homeownership is underwater, up in flames, on ice, or in the wind. With housing costs at historic highs and inventory at historic lows, few people can afford to relocate. The accelerating frequency and severity of extreme weather events makes it increasingly difficult for homeowners across the country to afford to live where they do, though. Research published by Freddie Mac in November 2022 shows migration to high-risk areas from low- and moderate-risk areas has doubled since the onset of the COVID-19 pandemic. Housing and finance experts say few homebuyers know what kind of long-term risk their homes carry in light of accelerating climate change because the industry has not measured and priced that risk, nor have federal agencies charged with regulating the distribution of that risk.  Be it Phoenix, Arizona, southwest Florida, or coastal North Carolina, “fewer people should be moving to high-risk areas, whatever they may be chasing, like warmer weather or low taxes,” says Ted Tozer, a mortgage industry veteran who served as president of Ginnie Mae for seven years, actively managing Ginnie Mae's nearly $1.7 trillion guarantees of mortgage-backed securities (MBS) and more than $460 billion in annual issuance. A non-resident fellow at the Urban Institute’s Housing Finance Policy Center and board member for PennyMac Financial Services, Tozer observes, “many of them don’t know that they are” buying and selling homes in high-risk areas. A study published in September 2023 by First Street Foundation (FSF), a nonprofit that researches various socio-economic impacts of climate change, found 39 million properties in the U.S. face risks of rising insurance rates and non-renewals due to wildfires (4.4 million), wind (23.9 million), and flooding (12 million). A December study by the Foundation highlighted the rapid emergence of “climate abandonment areas” due to worsening extreme weather events.  However, housing and climate experts also fear a climate change-induced housing crisis would only progressively worsen as the underlying causes progressively worsened – more disasters, weaker resilience, plummeting values, skyrocketing costs. With the homeowners insurance markets already buckling in Florida and California, the nation’s largest and most-at-risk housing markets, whether the housing and finance industries will only diet and exercise after the heart attack remains to be seen. A peer-reviewed study published in Nature Climate Change in February 2023 outlines how climate change portends wholesale disruptions to the U.S. economy, impacting the employment and consumer debt levels fundamentally shaping cost and risk structures in mortgage finance. Deteriorating property values would hammer local governments relying on property tax revenues as the largest source of funding for government services. In 2020, property taxes accounted for 72% of tax revenues for local governments, according to the Tax Foundation. Slashing public services as property tax revenue plummets would push values downward, still.  One high-ranking federal climate officer who contributed to this story on the condition of anonymity says the complexity of accelerating climate change makes forward-looking mitigation efforts difficult to measure and implement. “You can't use the past as a predictor of the future,” the official said, when it comes to measuring and pricing climate risks. “There's going to be some places, certainly, that if you look at the economics, the cost of home ownership is either going to go way up in those areas, or the value of the property is going to go down. That's the general mechanism,” the official explained. Pressed on how quickly rudimentary economics will translate into strategies for resilience – the past, in fact, being the best tool available for predicting the future – the official replied, “I think you're looking at a significant amount of time in order to get the whole United States at a level of resiliency for what we project to see.” Toni Moss, founder and CEO of AmeriCatalyst, a residential real estate and business advisory firm, calls mortgages “the epicenter of the economic fault line.” Fifteen years ago, the collapse of the U.S. housing market led to the most severe worldwide economic crisis since the Great Depression. Moss was an early predictor of that crisis, alerting industry and government leaders as early as 2002 to the risk of economic collapse induced by failures in the mortgage industry. Systemic climate risks, Moss warns, “we don’t return from.” Thus, in collaboration with CoreLogic, a market intelligence provider, AmeriCatalyst will be hosting officials from every relevant government housing agency – the FHFA, FHA, HUD, the Federal Reserve, the U.S. Treasury, the FDIC, Fannie Mae, Freddie Mac, and Ginnie Mae – alongside housing, finance, and insurance executives, climate scientists, data analysts, academics, and various thought leaders at the “Going To Extremes” summit in National Harbor, Maryland, in mid-April, to collectively address this issue. While “mass displacement” and “financial ruin” sound like distant, even overblown concerns in light of American exceptionalism, climate scientists across the world are in wholesale agreement that the earth will cross several global warming “tipping points” by 2030, just six years from now. As the impacts of climate change on the housing and finance ecosystem grow in frequency and severity, the requirements for resilience and expenses of recovery grow, too. “Investing in resilience is far less expensive than paying for recovery,” Moss explains, and the numbers bear this out. No matter the expense of retrofitting America’s housing and finance industries for an increasingly unstable environment, “it is equally important to measure and quantify the cost savings of resilience,” she says. “For every $1 spent, you save $13.” “It’s not getting better, it’s only going to get worse,” says Tozer. “Unfortunately, there’s no forum right now to talk about these issues,” which is why he will be in National Harbor in April. Mapping Risk At The Census-Tract Level “In the state of Maryland,” where Rossi lives, he explains, “they're big time on seeing this as a major issue. They would probably say this is a four-alarm fire.” As for the GSEs and the FHFA, Rossi senses their perceived severity of this issue ranks as a 4 out of 5; investors closer to a 3. The Smith Enterprise Risk Consortium at the University of Maryland, where Rossi serves as director, is trying to raise awareness about these systemic climate risks. With the help of his Master’s students, Rossi merged the entire set of 2021 Home Mortgage Disclosure Act (HMDA) loan data with the Federal Emergency Management Agency’s (FEMA) National Risk Index database, which maps assorted climate risks at the census tract level. Their creation is the Mortgage Climate Risk Analyser (MCRA), a mapping tool that attaches severity scores to individual census tracts for various hazards, allowing users to toggle between property types, loan types, hazard types – even which government agencies have the largest exposure to certain regions, hazards, or loan types. The MCRA also assigns dollar amounts to potential losses in a given census tract, given the number of homes affected. PLEASE CLICK ON LINK FOR MAPS NOT ABLE TO BE COPIED. https://nationalmortgageprofessional.com/news/buyer-beware Depending on the filters selected, tables auto-populate with data like loan amounts, median incomes, median property values, and percentages of low- to moderate-income borrowers. The MCRA, which is currently being tested for quality control and loaded with 2022 HMDA data, will be hosted on Mortgage Bankers Association's (MBA) website as soon as April. A free version and a subscription version grant users the ability to measure the climate risk-footprint of their lending, borrowing, insuring, and investing decisions. Though the MCRA does not track data to the individual loan or property level, Rossi says it is equally important to understand the risk facing whole communities as it is to understand the risk facing individual borrowers. “If all your neighbors are flooded out, but you’re not,” he says, “it's great that you're not flooded out, but imagine what impact that's going to have on your livability and on the property value that you face.” However, making climate risks visible could also cause second-guessing on the part of borrowers who bought homes in high-risk areas and lenders who lend in those areas. A study published in the Journal of Environmental Economics and Management in 2005 found that after Hurricane Andrew (1992), undamaged homes in a neighboring county that were in flood zones saw a 19% decrease in price relative to those properties that were not in flood zones, but were also undamaged, in the same county. While those findings suggest that home buyers revise their perceptions of risk after a major storm, it’s “buyer beware” until the risk is measured, mapped, and priced in. “I think it's more of a risk to the borrower than it is a risk to the seller,” Rossi says. How Secure Is Secured Lending? When it comes to unpriced climate risks in an increasingly unstable environment, Moss says the first question that needs to be answered is: how secure is secured lending in U.S. housing? The operative assumption in any secured lending is that the loan collateral is secure. In mortgage lending, appraisals are the primary method of establishing the value of a mortgage loan’s collateral, the house. Appraisals mitigate “valuation risk” by establishing what value a lender may recoup if forced to take control of a property through foreclosure. A secondary assumption in secured lending, however, is that the collateral will stay secure – that a house (and the land it sits on) will at least maintain its value until the borrower repays or defaults on the loan. In the primary market, where properties serve as collateral, and the secondary market, where borrowers serve as collateral as the funders of securitized mortgage bonds, insurance is the primary credit risk-transfer mechanism mitigating this “duration risk.” The median age of owner-occupied housing stock in the U.S. is 40 years, according to 2021 American Community Survey data. Not only were the majority of U.S. homes designed and constructed in a different era and for a different climate, but so were the very financial instruments – mortgages – by which borrowers, originators, lenders, servicers, insurers, and investors buy and sell those homes. Most U.S. mortgages are 15- or 30-year products, while insurance products only carry annual exposure. Environmental stability is part-and-parcel of any assumption around valuation risk and duration risk – that houses are worth, and will stay worth, what borrowers borrow, lenders lend, insurers insure, aggregators aggregate, and investors invest in those properties. The mismatch in duration risk is an assumption of environmental stability, Moss explains, bearing with it the assumption that affordable insurance will always be available. Since 1980 there have been 376 billion-dollar-or-more weather disasters in the U.S., according to the National Oceanic and Atmospheric Administration (NOAA). The cumulative damages of those 376 events exceeds $2.655 trillion. Between 1980 and 2023, the annual average of billion-dollar events in the U.S. is 8.5. As evidence of accelerating climate change, the annual average from 2019 to 2023 is 20.4 events, with 28 billion-dollar disasters in 2023.  Federal Reserve data show the U.S. median home sale price has risen from $29,200 in the fourth quarter of 1972, to $479,500 in the fourth quarter of 2022. Median U.S. home sale prices have risen more than 22% since early 2020, and more than 48% since early 2009. Though home prices oscillate week-to-week and quarter-to-quarter, on the macroeconomic level, the collateral securing mortgage loans for the past 50 years has not only maintained a stable value, but dramatically risen in value. Where secured lending and the assumption of environmental stability are concerned, the promise of ever-rising home prices has always been an effective hedge against durational risk exposure for borrowers, lenders, insurers, and investors. Unpriced climate risk threatens this fundamental assumption of housing finance: will homes in 2030, let alone 2035 or 2040, hold their value in an increasingly unstable environment, worth what they sold for in 2021 or 2022? Unmitigated, Uninsurable, Uninhabitable Where Tozer lives in North Carolina, insurers are in the process of requesting permission from state insurance regulators to increase premiums by 100% in coastal areas. Meanwhile, in-land communities are seeing their homeowners insurance premiums rise by 20-30% to offset the rising cost of insurers’ payouts along the coast. “Everyone pays the cost of rising insurance,” he explains, referring to the cross-subsidization of rising homeowners insurance costs, not only in his own state, but across the country. He anticipates insurers will stop writing new policies in the high-risk areas of coastal North Carolina if requests to dramatically hike premiums are denied, as is “almost guaranteed” to happen. As the rate at which extreme weather events occur quickens, insurers are finding it increasingly difficult to carry the accelerating costs of extreme weather events. The exodus of insurance providers from California and Florida is an indication that unmitigated climate change will make increasingly larger regions of the U.S. housing market as uninhabitable as they are uninsurable. In California, insurers have been hiking premiums, not renewing policies, or pulling out of the state altogether. Alongside smaller providers, State Farm and Allstate have announced they will cease writing insurance for all personal and business property in California. State Farm was the state’s largest homeowners insurance provider, and Allstate the fourth-largest. USAA has also severely limited their coverage options in the state. Florida, meanwhile, has been grappling with a deteriorating insurance market for two years, with three major insurers having withdrawn from the state: Farmers Insurance, Bankers Insurance, and Lexington Insurance, a subsidiary of AIG. AAA has stopped writing new policies. Numerous smaller, local insurers have simply gone insolvent or stopped writing new policies. “If the insurance industry can’t make any money at risk-based pricing because they’re unable to price risk,” asks Moss, “are we taking climate change into account with our pricing on homes, bonds, mortgage servicing rights, guarantee fees? What would bond ratings or subordination levels look like if climate dynamics were factored in?” Data released in October 2023 by S&P Global, the market intelligence firm, show the effective rates for homeowners insurance from the top-10 providers in the U.S., who collectively underwrite nearly 70% of homeowners insurance policies nationwide, have increased anywhere from 12% to 52% over the past five years:  Though federal agencies and industry stakeholders are beginning to pay attention to the homeowners insurance crisis and adjacent unpriced climate risks, they are only in the data collection stage. In a report published in September 2023 titled, “The Impact of Climate Change on American Household Finances,” the U.S. Treasury Department wrote, “further research is needed to better understand the full extent of the effects of climate hazards on housing and ramifications for household finances.” The Treasury’s Federal Insurance Office (FIO) announced in November 2023 that the Office of Management and Budget (OMB) would conduct a data collection project to assess the climate-related financial risks facing housing stakeholders nationwide. Deputy director of Federal Housing Finance Agency’s (FHFA) Division of Research and Statistics and chairman of the FHFA Climate Change and Environmental, Social and Governance (ESG) Steering Committee, Dan Coates, told NMP of several climate-risk projects underway at the agency, such as a review of climate-change literature and an evaluation of Fannie Mae and Freddie Mac’s exposure to natural hazard risk. “We’re doing a study to look at how mortgage performance varies across different borrower demographics after a disaster,” Coates added, “and we’ve got a fourth study going on to look at the actual effects of natural disasters on house prices.” The impact of climate change on home prices is also of concern for Court Lake, a director in the US RMBS group at Fitch Ratings, who sees high home prices and “overvaluation” as a “significant driver of higher default risk.” Fitch’s fourth-quarter, 2023 US RMBS Performance Report estimates that the national housing market is nearly 10% overvalued, which does not account for accelerating climate risks. “Environmental issues and costs related to insurance” are key data points the rating agency is beginning to measure, though they have only just started to pivot to this issue. Looking ahead, Lake says, Fitch anticipates accelerating climate risks to worsen consumers’ balance sheets “and actually, likely impact home prices.” Disclosing Risk Raises Awareness Whereas lightning rarely strikes twice in the same place, a home that has flooded before is bound to flood again. Yet, eighteen states – including Florida – have no statutory or regulatory requirements for disclosing a property’s flood risk or flood history to prospective buyers. Many states have only the bare minimum of flood disclosure laws, only requiring sellers to disclose a property’s location in a flood zone, not a property’s flood history, even if the seller has that information. The peer-reviewed study in Nature Climate Change, referenced earlier in this article, found that residential properties exposed to flood risk are overvalued by anywhere from $121 billion to $237 billion nationwide, with much of that overvaluation concentrated in areas along the coast “with no flood risk disclosure laws and where there is less concern about climate change.”  Another study, published in 2022 by Milliman, an actuarial and consulting firm, put flood-related overvaluations at $520 billion, finding that 3.5 million homeowners would face a property value correction greater than 10% if flood risk were priced correctly. Mortgage default exposure due to a repricing of flood risk could result in mortgage defaults increasing by up to 40% in a “high” climate change scenario.   Last year, FEMA introduced 17 legislative proposals that would, among other reforms, mandate certain flood risk reporting requirements for states to participate in the National Flood Insurance Program (NFIP). First implemented in 1968, the NFIP is an ungainly, underfunded federal program that grants homeowners access to low-cost flood insurance. Since the NFIP was last reauthorized in 2017, the program has experienced 27 short-term extensions, including three lapses, undermining the NFIP’s reliability. Absent federal action, some states have adopted stricter flood disclosure laws of their own volition. Often, these laws are reactive, passed in the aftermath of disasters. While flood disclosure laws in Louisiana and Texas are seen as models for other states, it took Hurricane Katrina and Hurricane Harvey, the two costliest hurricanes in U.S. history, for those laws to happen. Undermining the utility of flood disclosure laws, however, is outdated and insufficient mapping of federal flood zones. High-risk areas that FEMA calls “Special Flood Hazard Areas” cover properties facing a 1% annual chance of flooding, requiring property owners with government-backed mortgages to buy flood insurance. FEMA officials testified to Congress that more than 40% of claims made to the NFIP from 2017 to 2019 were for properties outside official flood hazard zones, or in areas the agency had yet to map. The Association of State Floodplain Managers reported in a 2020 cost analysis for completing and maintaining FEMA’s NFIP Flood Map Inventory that FEMA flood maps cover only 46% of shoreline and one-third of the nation’s 3.5 million miles of streams.  A 2017 Congressional Budget Office (CBO) report found that half of the 166 counties in the U.S. facing the highest flood risk (based on available mapping) used flood maps more than five years old. Roughly 25% of those highest-risk counties used maps more than 10 years old – pre-2014. Water-wise, though, the opposite of flood risk is drought risk. Where AmeriCatalyst’s Toni Moss lives in Austin, Texas, water usage costs have tripled in the last couple of years, she says. But, no one discusses drought disclosure laws. Nevertheless, such disclosures – whether for drought, flooding, fires, or hail – have the potential to be an essential tool for alerting borrowers and lenders to the costly climate risks lurking under and within the properties selling today. The decades-long drought affecting the southwestern U.S. is well-documented, but since 2020, two little-known counties in Iowa have been experiencing the driest three-year period since the 1890s – drier than the Dust Bowl. Almost all of Iowa is experiencing some degree of drought, with a large portion experiencing “extreme drought,” the second most-intense classification. Drought-stricken regions extend into parts of Kansas and Nebraska, as well, and without any rain, local officials say that the city of Caney in southeast Kansas will run out of water by March 1, this Friday. PLEASE SEE THE PRIOR POSTS: "ABSOLUTE WEALTH & POWER CORRUPTS ABSOLUTELY!" TRILLIONS IN BAILOUTS & TAX CUTS FOR THE BILLIONAIRES! "SOCIALISM FOR THE RICH!" ALL THE RETURN! NONE OF THE RISK! MONOPOLIZED RIGGED MARKETS! EARTH DAY! BS FOR THE BILLIONAIRES OF FAU CLIMATE SCIENCE! "ABSOLUTE WEALTH & POWER CORRUPTS ABSOLUTELY!" 9/11 BLATANTLY! INSURING RAPID NEAR-TERM HUMAN EXTINCTION! US MADE WAR ON TERROR & THE DEPOPULATION & POLICE STATE AGENDA! FLEECING US FOR TRILLIONS! SEA SURFACE TEMPS EXPLODE = ICE FREE ARCTIC! PRAY FOR THE RIGHT & THOSE WHO CAUSED THE MOST INEQUITABLE DISTRIBUTION OF INCOME WEALTH & INJUSTICE! DEPART FROM ME "YE THAT WORK INIQUITY!" AMOC SLOWS ARCTIC ICE LOSS INCREASES GULF TEMPS + LA NINA = RECORD NUMBER & POWER MONSTER SUPER STORMS! GLOBAL CAHOS BY 2026 DUE TO THE SIBERIAN METHANE MONSTER SUPER STORMS! 2024?! DUE TO TRAGEDY IN THE TROPICS! NORDICS ENVY US? NOT! WE R "ALL FOR ONE!" "NONE FOR THE REST!" THEY R 4 "THOSE IN NEED" "NOT THEIR GREED!" US NORDICS R WHAT YOU DID NOT DO TO ME EXPLODING SIBERIAN METHANE W "ICE FREE ARCTIC!" THOUSANDS OF METHANE SEEPS UNLEASH 10 TRILLION TONS OF METHANE HYDRATES AND 48 TRILLION CUBIC METERS OF FREE GAS! 5 GIGATONS = NEAR-TERM HUMAN EXTINCTION! NORDIC TRANS GTLBX LAWS GOOD/GOD! US LAWS = EVIL! Report: Nearly 40 million U.S. properties are overvalued because of climate-related risks by Meteor Blades Daily Kos Staff Emeritus Wednesday, September 20, 2023 at 8:43:54a PDT https://www.dailykos.com/stories/2023/9/20/2194395/-Report-Nearly-40-million-U-S-properties-are-overvalued-because-of-climate-related-risks  Reporters wade through flood waters as it inundates the downtown area after Hurricane Idalia passed offshore on August 30, 2023 in Tarpon Springs, Florida. A new report from the First Street Foundation released Wednesday has found that 39 million U.S. properties are overvalued because damage risks from climate change as a result of flooding, hurricanes, and wildfires ““have yet to be reflected in the insurance premiums.” The largest percentage of those properties—60%—are coastal properties at risk from hurricanes, 30% are vulnerable to flooding, and 10% are in wildfire zones. At ClimateWire,Thomas Frank writes (paywall): The foundation’s latest report, “The Climate Insurance Bubble,” says the properties are “likely overvalued due to the underpricing or subsidization of climate risk in their insurance.” “It has the potential to impact property values in a way that’s similar to what we saw in the last recession in 2008,” First Street CEO Matthew Eby said in an interview. Other reports have estimated property overvaluation before, but those have tended to focus on either a specific region or a particular type of hazard such as flooding. The First Street report appears to be the first to analyze the entire nation and the combined effect of three kinds of disasters — flooding, wildfires and hurricane winds — on property values. The report notes that insurance rates have been on the rise but frequently not enough to cover damage in events caused or exacerbated by climate change. The researchers note: However, regulations in places such as California, Florida, and Louisiana have suppressed insurance prices for years. As a result, the insurance industry is limiting and withdrawing coverage in high-risk wildfire areas due to state regulatory policies, increasing risk from climate change, and recent economic shifts. In some cases, this will lead to homeowners foregoing insurance while in all cases, the value of their property will be impacted as the cost of ownership increases with rising premiums. These dynamics are visible in some areas of the country where rates are increasing, and private insurance companies are effectively labeling areas as uninsurable, with state-backed “insurers of last resort” becoming the only option for many homeowners. Without the ability to insure properties in high risk areas with relatively affordable policies, homeowners will not be able to afford the cost of ownership associated with homes in those areas and property values will deflate, leading to a realization of the current climate-driven overvaluation in the market. For example, in the case of windstorm insurance, the state-sponsored “last resort” option has become the largest such insurer in Florida. Since 2016, the policies under this program have risen by 168% to over 1.3 million, and the average premium has increased 61% from about $2,000 to about $3,300. Matthew Eby, First Street’s executive director, told Bloomberg Green, “The over-reliance of property owners on the state-run insurers of last resort is a big flashing sign that standard practices in the insurance market cannot keep up with our current climate reality.” FRIDAY, MAY 17, 2024 BY SAM CARANA, WHO R U?, MUST FOLLOW, https://arctic-news.blogspot.com/ Temperatures in the Tropics The image below shows that temperatures in the Tropics (23.5°S-23.5°N, 0-360°E) were very high during the second half of April 2024, and these very high temperatures were sustained during the first part of May 2024. The temperature was 26.9°C (or 80.42°F) on May 11, 2024, an anomaly of 1.1°C (or 1.98°F) from 1979-2000.  The image below shows the average monthly temperature anomaly over the past few years through April 2024, when the anomaly was 1.327°C (or 2.389°F) from 1951-1980.  Note that the anomalies on the top image are calculated from 1979-2000 as a base, while anomalies in the above image are calculated from 1951-1980 as a base. When calculated from a pre-industrialbase, these anomalies will be much higher. These very high temperatures are causing widespread damage and are threatening to cause huge loss of life of people, livestock and wildlife, crop failure and ecosystem collapse in the tropics and elsewhere. Climate Emergency Declaration The situation is dire and the precautionary principle calls for rapid, comprehensive and effective action to reduce the damage and to improve the situation, as described in this 2022 post, where needed in combination with a Climate Emergency Declaration, as discussed at this group.  Links • Climate Reanalyzer https://climatereanalyzer.org • Pre-industrial https://arctic-news.blogspot.com/p/pre-industrial.html • Extinction https://arctic-news.blogspot.com/p/extinction.html • Transforming Society https://arctic-news.blogspot.com/2022/10/transforming-society.html • Climate Plan https://arctic-news.blogspot.com/p/climateplan.html • Transforming Society https://arctic-news.blogspot.com/2022/10/transforming-society.html • Climate Emergency Declaration https://arctic-news.blogspot.com/p/climate-emergency-declaration.html Posts discussing Temperatures in the Tropics in 2024 at facebook are at: https://www.facebook.com/SamCarana/posts/10169104508720161 (update 6: May 11, 2024) https://www.facebook.com/SamCarana/posts/10169053955465161 (update 5: Apr 24, 2024) https://www.facebook.com/SamCarana/posts/10169050918525161 (update 4: Apr 23, 2024) https://www.facebook.com/SamCarana/posts/10169042787710161 (update 3: Apr 20, 2024) https://www.facebook.com/SamCarana/posts/10168930859815161 (update 2: Mar 12, 2024) https://www.facebook.com/SamCarana/posts/10168929028460161 (update 1: Mar 11, 2024) https://www.facebook.com/SamCarana/posts/10168860099940161 (update: Feb 14, 2024) https://www.facebook.com/SamCarana/posts/10168858418170161 (Feb 13, 2024) https://www.facebook.com/SamCarana/posts/10168795048860161 (Jan 22, 2024) MONDAY, MAY 13, 2024 BY SAM CARANA, WHO R U?, MUST FOLLOW, https://arctic-news.blogspot.com/ Temperature rise may soon accelerate even more  The April 2024 temperature was 1.32°C higher than 1951-1980, as illustrated by the above image, created with NASA content. Local anomalies are as high as 6.2°C.  The April 2024 temperature was 1.62°C higher than 1900-1930, as illustrated by the above image, created with NASA content. The red line highlights acceleration of the temperature rise (Lowess Smoothing). The image below, created with NOAA content, uses a LOESS filter (green line) to highlight the recent acceleration in the temperature rise of the ocean. In this case, the temperature anomaly is calculated versus a 1901-2000 base.  The temperature anomaly is even higher when calculated from a pre-industrial base. The image below, created with NASA content, shows that the February 2024 temperature was 1.76°C above 1885-1915, and potentially 2.75°C above pre-industrial (bright yellow inset right).  The image below, created with NASA content, shows Land+Ocean monthly mean global temperature anomalies versus a 1900-1923 custom base, further adjusted by 0.99°C to reflect ocean air temperatures, higher polar anomalies and a pre-industrial base.  The above image shows a magenta trend that points at the temperature crossing 3°C above pre-industrial later this year (2024). What could be behind such a steep rise? Have Feedbacks taken over? In April 2024, El Niño conditions were still dominant. Sea surface temperatures have been extremely high recently. The correlation between El Niño and temperature anomalies (from 1901-2000) is illustrated by the image below, created with NOAA content.  As illustrated by the image below, created with NOAA content, El Niño conditions are no longer dominant. Instead, neutral conditions now prevail and La Niña conditions may develop as early as June-August 2024 (49% chance) or one month later, i.e. July-September (69% chance).  The extremely high recent temperatures and the trends depicted in the images further above raise the question as to what the underlying driver is, given that we're no longer in an El Niño. Indeed, the question is whether feedbacks have taken over as the main driver causing the temperature rise to further accelerate.
There is no single feedback that could cause the recent steep rise of temperatures and its acceleration, instead there are numerous non-linear, self-amplifying feedback loops that can all contribute, interact and start to kick in with greater ferocity, amplifying and further accelerating the rise. MASSIVE INCREASES IN SIBERIAN ARCTIC AND GLOBAL METHANE HAVE BEEN DOCUMENTED. I HAVE LAID THESE FINDINGS ON THESE POSTS AND WILL AGAIN IN FURTHER POSTS. HOW MUCH OF THE ENORMOUS SIBERIAN METHANE RELEASES FROM THE BARENT SEA, TO THE YAMAL PENINSULA, TO THE KARA SEA, TO THE EAST SIBERIAN ARCTIC SHELF, NOT TO MENTION THE REST OF THE ARCTIC CIRCLE, IS BEING COVERED UP IS THE QUESTION! Such feedbacks do include more water vapor, as said, as well as stronger wind, waves and storms, more ocean stratification, faster loss of sea ice, faster loss of reflectivity of clouds and more freshwater accumulating at the surface of oceans, due to stronger ice melting, due to heavier runoff from land and rivers and due to changes in wind patterns and ocean currents and circulation. Furthermore, developments such as rising emissions from industry, transport, land use, forest fires and waste fires, ocean acidification and reductions in sulfur emissions over the past few years all contribute to further acceleration of the temperature rise. Two tipping points threaten to get crossed The danger is huge and the risks are absolutely unacceptable. Current global temperature anomalies are extremely high, as illustrated by the image below, created with a screenshot from Climate Reanalyzer, showing anomalies from 1991-2000.  The temperature rise is hitting the Arctic harder than elsewhere, as illustrated by the images created with NASA content below and at the top.  Contributing to these high temperatures in the Arctic are high temperatures of the North Atlantic Ocean, which are now rising rapidly, in line with seasonal changes, as illustrated by the image below, created with Climate Reanalyzer content.  The above image shows that the North Atlantic sea surface temperature was 21.5°C on May 14, 2024. High North Atlantic sea surface temperatures spell bad news for the Arctic, as much ocean heat gets pushed toward the Arctic from the North Atlantic. North Atlantic sea surface temperatures are now getting pushed up strongly from their annual minimum, in line with seasonal changes. Ominously, a peak of 25.4°C was reached in August 2023, i.e. almost 4°C higher than the current temperature. The question is how high the North Atlantic temperature will reach this year. One tipping point that threatens to get crossed is loss of Arctic sea ice. Loss of Arctic sea ice comes with albedo change, which constitutes a huge self-reinforcing feedback loop, i.e. the more sea ice disappears, the more sunlight gets absorbed by the Arctic Ocean, further accelerating sea ice melting, while less sunlight gets reflected back into space.  Next to the albedo loss, there is loss of the latent heat buffer constituted by the sea ice. Latent heat is energy associated with a phase change, in this case the energy consumed as solid ice turns into liquid water (i.e. melts). During a phase change, the temperature remains constant. Sea ice acts as a buffer that absorbs heat, while keeping the temperature at about zero degrees Celsius (THE WATER TEMPERATURE AT ROUGHLY 5 C). As long as there is sea ice in the water, this sea ice will keep absorbing heat, so the temperature doesn't rise at the sea surface. As long as air temperatures over the Arctic are below freezing, sea ice can persist at the surface, maintaining sea ice extent, which may give the false impression that sea ice was healthy, whereas in fact sea ice has steadily been declining in thickness, as illustrated by the image below, created with Danish Meteorological Institute content, that shows that Arctic sea ice recently reached its lowest annual maximum on record, as also discussed in earlier posts such as this one.  The amount of energy absorbed by melting ice is as much as it takes to heat up an equivalent mass of water from zero to 80°C. Loss of the latent heat buffer therefore constitutes a tipping point, i.e. once crossed, the Arctic Ocean will heat up at an accelerating pace.  The above map, created with Danish Meteorological Institute content, shows that much of the thicker sea ice is located away from the North Pole, such as off the east coast of Greenland. This sea ice is likely to melt away quickly as more sunlight starts reaching the Northern Hemisphere and temperatures rise in line with seasonal changes. Seafloor methane constitutes a second tipping point. When methane escapes from hydrates that get destabilized by rising temperatures, the methane will expand to 160 times its previous volume and enter the atmosphere with force. Without the buffer constituted by thicker sea ice, an influx of ocean heat could cause large-scale destabilization of hydrates contained in sediments at the seafloor of the Arctic Ocean, resulting in eruptions of huge amounts of methane. AS NATALIA SHAKHOVA, THE LEAD SIBERIAN METHANE RESEARCHER, NOTED IN 2008, A 50 GIGATON RELEASE OF SIBERIAN METHANE IS POSSIBLE AT ANY TIME. THE MOST LIKELY TIME, WHEN THE ARCTIC IS COMPLETELY ICE FREE, DUE TO THE LATENT HEAT EFFECT OF FUSION, COUPLED WITH MASSIVE AMOUNTS OF METHANE IN THE WATER COLUMN AND AIR, DECREASED ALBEDO, DUE TO LOSS OF ARCTIC ICE, AND MANY OTHER FEEDBACK LOOPS THAT SAM CARANA DETAILS. 
Arctic ocean, destabilizing methane hydrates contained in sediments at the seafloor of the Arctic Ocean, as discussed in many earlier posts such as this one. Self-amplifying feedbacks and developments as discussed above, as well as crossing of these two tipping points, could all contribute to cause a temperature rise of over 10°C, in the process causing the clouds tipping point to get crossed that can push up the temperature rise by a further 8°C. Altogether, the temperature rise may exceed 18°C from pre-industrial by as early as 2026, as illustrated by the image on the right, from the extinction page. Climate Emergency Declaration The situation is dire and the precautionary principle calls for rapid, comprehensive and effective action to reduce the damage and to improve the situation, as described in this 2022 post, where needed in combination with a Climate Emergency Declaration, as discussed at the Climate Emergency group. Links
• NASA - datasets and images https://data.giss.nasa.gov • Climate Reanalyzer https://climatereanalyzer.org https://pulse.climate.copernicus.eu • NOAA - National Centers for Environment Information https://www.ncei.noaa.gov • NOAA - Climate Prediction Center / National Centers for Environmental Prediction https://www.cpc.ncep.noaa.gov • Pre-industrial https://arctic-news.blogspot.com/p/pre-industrial.html • Extinction https://arctic-news.blogspot.com/p/extinction.html • Moistening Atmosphere https://arctic-news.blogspot.com/p/moistening-atmosphere.html • Jet Stream https://arctic-news.blogspot.com/p/jet-stream.html • Danish Meteorological Institute - Arctic sea ice thickness and volume https://ocean.dmi.dk/arctic/icethickness/thk.uk.php • Cold freshwater lid on North Atlantic https://arctic-news.blogspot.com/p/cold-freshwater-lid-on-north-atlantic.html • Arctic Ocean Feedbacks https://arctic-news.blogspot.com/2017/01/arctic-ocean-feedbacks.html • Arctic sea ice set for steep decline https://arctic-news.blogspot.com/2024/03/arctic-sea-ice-set-for-steep-decline.html • Did the climate experience a Regime Change in 2023? https://arctic-news.blogspot.com/2024/04/did-the-climate-experience-a-regime-change-in-2023.html • Arctic sea ice under threat https://arctic-news.blogspot.com/2024/04/arctic-sea-ice-under-threat.html • Blue Ocean Event 2024? https://arctic-news.blogspot.com/2024/02/blue-ocean-event-2024.html • Transforming Society https://arctic-news.blogspot.com/2022/10/transforming-society.html • Climate Plan https://arctic-news.blogspot.com/p/climateplan.html • Climate Emergency Declaration https://arctic-news.blogspot.com/p/climate-emergency-declaration.html
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"THE FINAL NEW TESTAMENT" GOD'S/MY WRITING IN CAPS.
"ONE LOVE"
"GOD'S LOVE!" 
THE FINAL WORDS OF CHRIST TO THE APOSTLES:
The Great Commission 16 But the eleven disciples proceeded to Galilee, to the mountain which Jesus had designated to them. 17 And when they saw Him, they worshiped Him; but some were doubtful. 18 And Jesus came up and spoke to them, saying, “All authority in heaven and on earth has been given to Me. 19 Go, therefore, and make disciples of all the nations, baptizing them in the name of the Father and the Son and the Holy Spirit, 20 teaching them to follow all that I commanded you; and behold, I am with you always, to the end of the age.” DO ALL THAT CHRIST TOLD YOU TO DO! KNOW THAT CHIST WILL BE WITH YOU FOR ALL TIME! LOVE GOD! "THE FINAL NEW TESTAMENT!" V1 OR V2 CHRIST'S WORDS . . CUSTOMIZED BY YOU FOR . . V 3 "MY FINAL TESTAMENT!" TO "JESUS CHRIST" "THE GOD OF LOVE!"
PERMANENT . . CEASEFIRE! . . NOW! . .
TWO STATES! . . NOW! 
ISRAEL AND US WANT THE WATERFRONT OF GAZA AND THE OIL OFFSHORE OF GAZA!
VLAD WANTS UKRAINE'S GAS OIL PIPELINES FOOD PORTS AND DOESN'T WANT NATO ON ITS DOORS. CHENEY & BUSH . . THE EVIL RIGHT WING ROCKEFELLER TOLD US ON LAST 13 MIN OF ZEITGEIST DID 9/11, DOING GENOCIDE IN IRAQ & AFGHANISTAN TO TAKE OVER THE MIDDLE EAST THEN VENEZUELA WITH PLANS TO CHIP EVERYONE! KILLING THOSE THAT STOOD AGAINST THEM! GLOBAL GENOCIDE! "THANK GOD!" . . "IT IS . . THE END!" . . OF "RUTHLESS RULE" . . BY "THE EVIL RICH!" AMEN! UPDATED . . THE MOST IMPORTANT POST ON GOD'S SITE: "ENTER THE NARROW GATES!" TRUE NORDICS! THE GREEN PARTY! JILL STEIN BERNIE AOC THE SQAD! WIDE & BROAD ARE THE GATES TO HELL! TOTALITARIAN GANGSTER CAPITALISM & SOCIALISM! FORETOLD! "DONNY THE DEVIL!" OF SATAN'S EMPIRE! DAMN TRANS/GTLBX = GOD DAMNS U! SIBERIAN METHANE + HOT HOUSE EARTH + AMOC SHUTDOWN = "THE SIBERIAN MONSTER HURRICANE BERYL!" CAT 6! 150 F PLUS! SOON! "HOT STUFF!" "THE SIBERIAN METHANE MONSTER!" CAUSES THE METHANE HEAT WAVE AND SURFACE FIRESTORM! THE FIREY WAVES OF DEATH! BY 2027-30! CHRIST DID NOT COME DOWN TO EARTH TO DIE FOR YOUR SINS! HE CAME TO BE YOUR TEACHER! YOUR BFF! ALL GOOD TO YOU! TALK TO GOD DAILY! ASK GOD FOR GUIDANCE IN EVERYTHING EVERY DAY! LOVE GOD ABOVE ALL ELSE! PASSIONATELY! LOVE OTHERS WITH GOD'S LOVE! LOVE U! CHRIST LAID OUT IN THE 1,500 TO 2,000 UNIQUE WORDS THAT THEY ESTIMATE HE SPOKE IN THE GOSPELS, THAT SUPPORTING . . "THE NORDIC MODEL" . . IS THE PATH TO ENTERING . . "THE NARROW GATES" . . INTO ETERNITY IN CHRIST'S / GOD'S HEAVEN. "THE FINAL TESTAMENT," WHICH I HAVE LAID OUT HERE. CHRIST TOLD ME TO JUST USE HIS WORDS HERE, TO SHOW THAT CHRIST . . "LOGICALLY" WAS THE FIRST . . RADICAL PACIFIST ANTI-WAR LIBERTARIAN DEMOCRATIC MARKET SOCIALIST . . THE FIRST NORDIC MODEL ECONOMIST! THE LOGIC OF THE GOD OF LOVE! NOTABLY A DANE. AS THE DANES HAVE PROVEN BY . . "THE FRUITS OF THEIR EFFORTS" . . THAT THEY HAVE CREATED THE MOST . . SUSTAINABLE HUMANE AND EGALITARIAN SOCIETY . . "AS IT IS IN HEAVEN! SO SHOULD IT BE ON EARTH!" . . THEY ARE MOST BLESSED NOW & IN HEAVEN! THE NORDICS, NOTABLY THE DANES, HAVE CREATED THE MOST BLESSED SOCIETIES/Y THAT . . "TAKES CARE OF THOSE IN NEED!" THE PRIMARY CRITERIA CHRIST SAID WILL DETERMINE IF YOU ARE BLESSED TO LIVE FOR ETERNITY IN HEAVEN, IN THE FINAL JUDGEMENT! NOT! THE RUTHLESS GREED FOR MONEY FOR THE SUPER RICH! BE BLESSED! SUPPORT . . THE NORDIC MODEL! . . BERNIE AOC THE SQUAD, THE TRUE PROGRESSIVES SUPPORTING . . "GOD'S MODEL!" . . "THE NORDIC MODEL!" 
The Purpose of Life Pray "Help Me To Love Others The Way YOU Love Me!" This IS ALL YOU NEED to Become One With God! I LOVE YOU SOO MUCH! "JC!" THE GOD OF LOVE!
JIM'S SUGGESTIONS: PRACTICE FOR HEAVEN! "LIVE LIKE THE PLANET IS DYING!" It Is THE END! LOVE MORE, AND LOVE MORE PEOPLE! TRY! FIND A CAUSE! GIFT AS MUCH AS YOU CAN! TO "THOSE IN NEED!" GIFT MOST OF YOUR WEALTH TO GOD! TO "THOSE IN NEED!" IF YOUR EVIL GREED HAS ENGULFED YOUR SOUL! IF YOU ARE VERY RICH! SUPPORT "AS IT IS IN HEAVEN, SO SHOULD IT BE ON EARTH!" SUSTAINABLE, HUMANE AND EGALITARIAN! "THE SHE NORDIC MODEL!" JILL STEIN BERNIE AOC & THE SQUAD! AND . . "BECOME ONE!" REALLY OPEN YOUR LIFE TO GOD'S LOVE! GOD WANTS TO BE YOUR BFF! LET GOD GUIDE AND FULFILL YOU! LOVE GOD WITH ALL OF YOUR PASSION! EVERY DAY! IF YOU DON'T BELIEVE IN GOD! BE A "GOOD HUMANIST!" AND . . "I WILL SEE YOU IN HEAVEN SOON!" JIM "JAZZIE" GOD'S TRANS GENDER DAUGHTER. CHANNEL FOR WRITING "THE FINAL TESTAMENT OF JESUS SARAYU MAMMA AND FATHER GOD!" "THE ONE!" TRANS MRS DENMARK! DANISH CHRISTIAN HUMANIST! FOCUSED ON "THOSE IN NEED!" IN MY DREAMS! VERY FEM! 
"JAZZIE CAT!"
"JAZZIE GIRL!" THE PRIMARY CHANGE FROM 2016 GENDER SOCIETY OVERVIEW BELOW. WHERE I FORECAST 2100 FOR "ICE FREE ARCTIC" WAS THE START OF MASSIVE METHANE RELEASE DOCUMENTED FROM 2016-2017. IN 2017 DR. PETER WATAMS CAMBRIDGE FORECAST "ICE FREE ARCTIC" BY 2025! CHRIST SAID, THIS IS WHEN "MY MOST PROFOUND PROPHECY" WILL BE FULFILLED! AT THE END TIMES, IT WILL BE LIKE NOAH & SODOM & GOMORRA, ONE DAY NORMAL, NEXT HELL ON EARTH. 
GOD’S . . JC’S . . PROGRESSIVE NEWS, SCIENCE & TRUE CHRISTIANITY! . .
. . “THE LIBERATION THEOLOGY OF JESUS CHRIST!” . . “JC!”. . . . “ALL TRUTH!” . . . . “NO LIES!” . . TO HELP PREPARE . . . . “YOUR SOUL!” AS . . . . “It Is THE END!” . . . . . . “SAVE YOUR SOUL!” . . . “BECOME ONE!” NOW! PLUS . . . . . . MORE PROGRESSIVE NEWS, INSIGHTS AND ANALYSIS . . IN 1 POST . .THAN CNN IN A YEAR! CHRIST STATED: I HAD TO COME TO TELL "YOU" "MY FATHER'S WILL!" WHICH MY FATHER HAS UPDATED TO TODAY! ON "GOD'S SITE!" SOON! "YOU" WILL BE JUDGED! BY HOW "YOU" "DO MY FATHER'S WILL!" "TAKE CARE OF THOSE IN NEED!" NOT "YOUR EVIL GREED!" OR "FRY BABY FRY!" IN THE IMPACTS OF "YOUR EVIL GREED!" . . VERY SOON! "The Spirit of the Lord is upon me; he has anointed me to tell the good news to the poor. He has sent me to announce release to the prisoners and recovery of sight to the blind, to set oppressed people free, and that the time of the Lord ’s favor has come.” Luke 4:18-19 Christ's Message is . . Good News for The Poor Imprisoned Blind and for The Oppressed! It is . . "The Last Warning" for . . THE EVIL RICH and The Oppressors! The EVIL Republicans Right Dems Right Independents and Right Anti-Christians! Support The Nordic Model Now! Gift Your Evil Income & Wealth! Or Fry in Hell You caused! "Depart From ME!" "Ye" "That Have Worked" . . "The Most Evil Iniquity of Wealth, Income & Justice! Of ALL TIME!" "To THE REST!" . . Do what Tori sings so amazingly in the first video. Pray "Help Me To Love Others The Way YOU LOVE ME!" Support "As it is IN HEAVEN!" Sustainable Humane and Egalitarian . . "The Nordic Model!" Bernie / AOC / The Squad! Now! Gift as much as you can! Little did I know over the past 20 plus years of going to Maui, our favorite spot, and laughing at the sign below, that "Christ" would select me to "prepare the way!" Truly "Jesus Is Coming Soon!" By 2025-2030! Soon after "The ARCTIC is Ice Free!" The Spiral below goes to Zero! Prepare your Souls! . . NOW! THESIS SUMMARIES & Key Links SideBar Below 
THE FINAL TESTAMENT OF JESUS CHRIST! “THE LOGICAL GOD OF LOVE!”
"MY HIS STORY" My journey with "JC!" My BFF! The Only Reason! "Become One!" NOW! In process but most is here or on my "Jazzie" page. "JAZZIE" . . "LITTLE Jc" My Trans story written in spring 2016. "His Site" was launched in 8/2015. Amazing how little has changed! Need to join Gender Society to read bios! The primary NEW INFO. Methane Release has skyrocketed! Which I have documented here! Hence, "It Is THE END" by 2030! Not by 2100! CLICK HERE FOR THE PDF FILE! . . OF . . "JAZZIE!" . . "LITTLE Jc!" VISIT GENDERSOCIETY! PROVING . . CHRIST'S MOST PROFOUND PROPHECY! . . BY 2022 TO 2027! PLEASE READ "CHRIST'S MOST PROFOUND PROPHECY!" WHEN "THE ARCTIC IS ICE FREE!" "STRONG EL NINO COLLAPSE OF THE AMOC & THE 2ND COMING!" "BECOME ONE II!" TRANS HELL! PASSIONATELY LOVE GOD! NOT MONEY! "LOVE OTHERS WITH GOD'S LOVE!" GIVE YOUR WEALTH & LIFE TO GOD! WELCOME TO "THE END OF THE WORLD!" "THANK GOD!" "It Is THE END!" PUTIN STARTS WWIII! 1 "THE FINAL JUDGEMENT" BY 2027! DURING "THE SECOND COMING!" MOST BLESSED - "NORDIC MODEL SUPPORTERS!" THE MOST DAMNED "THE EVIL RICH & RIGHT WING ANTI-CHRISTIANS!" JOE DO "THE SUMMIT TO SAVE OUR SPECIES!" AND "ONE LOVE!" NOW! PREPARE YOUR SOULS - NOW! BECOME "ONE" WITH "THE ONE!" NOW! THE END IS MUCH CLOSER THAN YOU THINK! WHEN I SPEAK - "AS MY FATHER" - I SPEAK - "FOR MY FATHER!" BECOME ONE! - NOW! HIS CHANNEL! LOVE U! MY PRIMARY ROLE IS AS MY CLOSEST SPIRITUAL BROTHER, JOHN THE BAPTIST, TO PREPARE THE WAY! LOVE U! LOVE GOD WITH ALL OF YOUR HEART! DEVOUT YOUR SOUL LIFE & WEALTH TO - “THE GOD OF LOVE!” NOW! NOW! TRY TO LOVE ALL OTHERS WITH GOD’S LOVE! BE OF PEACE! FORGIVE THE WAY YOU WANT TO BE FORGIVEN! PRAY FOR YOUR FORGIVENESS FOR CHOOSING MONEY OVER GOD! INIQUITY OVER EQUITY! FOR NOT SUPPORTING THE ONLY OBVIOUS EGALITARIAN SOCIETIES OF GOD’S LOVE - HELPING “THOSE IN NEED!” THE NORDIC MODEL COUNTRIES! FOR SUPPORTING “THE GREED OF THE FEW!” VERSUS HELPING “THOSE IN NEED!” FOR - NOT BECOMING “ONE WITH - THE ONE!” GOD’S LOVE! Matthew 7:21-23 King James Version 21 Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven. FATHER’S WILL IS TO HAVE SUSTAINABLE HUMANE AND EGALITARIAN SOCIETIES/MARKETS! ”THE NORDIC MODEL!” AS IT IS IN HEAVEN IT SHOULD BE ON EARTH! 22 Many will say to me in that day, Lord, Lord, have we not prophesied in thy name? and in thy name have cast out devils? and in thy name done many wonderful works? 23 And then will I profess unto them, I never knew you: depart from me, ye that work iniquity. RIGGED! KOCHS TAKE OVER COVID & HEALTHCARE! "ICE FREE ARCTIC!" UNLEASHES "HOT STUFF" "GIGATONS OF METHANE!" CAUSED BY STRONG EL NINO EARTHQUAKES SUPER STORMS AMOC COLLAPSE REDUCED ALBEDO BY 2023-2027! ADD "LATENT HEAT OF FUSION!" = "MELTING OF ANTARCTICA!" JOE DO "THE SUMMIT TO SAVE OUR SPECIES!" AND "ONE LOVE!" OR FRY WHEN YOU DIE! METHANE EXPLODES! IPCC ISSUES NO METHANE NON-SCIENCE! ARCTIC ICE BY GEOENGINEERING!? AMOC COLLAPSE EXPLODES GULF TEMPS! SUPER STORMS DESTROY GULF BY 25! "It Is THE END!" 2030! REMEMBERING - CHENEY BUSH STOLE B-TRILLIONS DOING 9/11! A NEWS WOMAN CALLED BLD 7 DOWN LIVE ON TV! ROCKEFELLER TOLD RUSSO 9/11 WOULD HAPPEN 11 MONTHS BEFORE AND ROCKEFELLER TOLD RUSSO "SATAN'S MAFIA GLOBAL DEPOPULATION AND POLICE STATE AGENDA!" NO VACCINES FOR POOR COUNTRIES IS SATAN'S MAFIA DEPOPULATION AGENDA! It Is THE END! ENJOY HELL! "THANK GOD!" . . "It Is THE END!" . OF . "RUTHLESS RULE BY THE EVIL RICH!" THEIR OPERATORS AND ANTI-CHRISTIAN WHORES! . . OMG! "THE ARCTIC OCEAN" IS . . "ON FIRE!" . . "HOT STUFF!" WILL ARISE ON "TRUMPET COCAINE!" SOON! THE FINAL WARNING TO "SATAN'S STATES OF EVIL GREED!" "SUPPORT THE NORDIC MODEL" & "GIVE TO THOSE IN NEED!" THE NORDIC THEORY OF LOVE - VS - SATAN’S EMPIRE OF EVIL GREED’S THEORY OF “ALL FOR ME!” “FUCK YOU-ISM!” OR "FRY BABY FRY!" SOON! STAND AGAINST THE PURE EVIL INIQUITY OF WEALTH INCOME & JUSTICE IN THE US & GLOBALLY! SEEK - NOT - TO STORE UP WEALTH ON EARTH! BUT IN HEAVEN! RARELY WILL A RICH PERSON ENTER HEAVEN UNLESS THEY GIVE AWAY THEIR INSANE INCOME (BAGS OF HARVEST) AND INSANE WEALTH (HUMPS ON THEIR BACKS) TO “THOSE IN NEED!” FOR THE LOVE OF GOD! WILL THEY FIT THROUGH THE EYE OF THE NEEDLE! HEAVEN! WORTH OVER $5 MILLION? GIFT EXCESS OVER $5 MILLION IN ASSETS AND A $5 MILLION HOUSE PER FAMILY BY 2025! IS YOUR NET WORTH FROM $1 TO $5 MILLION - GIFT 10% OF TOTAL INCOME! UNDER $1 MILLION - WHAT YOU CAN! T0 - “THOSE IN NEED!” STRETCH! SHOW GOD HOW MUCH YOU LOVE GOD! BY SHOWING YOUR LOVE FOR - THOSE IN NEED! YOUR LOVE AND HELP FOR - “THOSE IN NEED” - MAY - “SAVE YOUR SOUL!” SAVE A CHILD IN NEED! GIVE THAT CHILD A GOD / GOOD CENTERED HOME AND UPBRINGING! THE CHILD’S LOVE WILL SAVE YOUR SOUL! DON’T GET TOO MANY CHILDREN! ONE IS GOD! IT IS SIMPLY WHAT - “A GOOD SOUL” - WORTHY OF ETERNITY - ONE IN GOD’S LOVE WOULD DO! BY 2023-2027 IT WILL BE - MAD MAX! RAISE YOUR SPIRITS UP TO GOD! “ASCENSION THURSDAY 2025!” OR SPIRITUALLY MEANINGFUL DAY TO YOU! A NICE SUNSET! GET YOUR SUCK BAGS - NOW! PREPARE YOUR SOUL! PREPARE YOUR FAMILIES! LOVE GOD! GIVE TO & HELP THOSE IN NEED! SUPPORT “THE NORDIC MODEL!” NOW! . . NOW! NARROW IS THE ENTRANCE TO HEAVEN! THE NORDIC MODEL SUPPORTERS! WIDE IS THE GATE TO HELL! THOSE NOT SUPPORTING SUSTAINABLE HUMANE AND EGALITARIAN! MY MAIN GOAL! . . . . “TO SAVE YOU!” LET JESUS, SARAYU AND MAMMA - “THE LOGICAL GOD OF LOVE!” GUIDE YOU HOME! NOW! 
“GET YOUR SUCK BAGS” NOW! TIME TO “RAISE OUR SPIRITS UP TO GOD!” BY “ASCENSION THURSDAY 2023” AT THE LATEST!
MY MAJOR SCIENTIFIC ARGUMENTS: WITH ONLY A 3-5C RISE IN GLOBAL TEMPS GMAT, ABOVE PRE-INDUSTRIAL TEMPS, 2-3 ABOVE TODAY, CORE SAMPLES BY ANDRILL IN ANTARCTICA PROVED THAT IT CAUSED 60 FEET PLUS SEA LEVEL RISE. ANTARCTICA MELTED 60 TIMES AT THESE TEMPS, WEST AND EAST. PER SAM CARANA 2 C WAS HIT FEB 2020. AN ADDITIONAL 1-3C WILL BE HIT BY 2023-2027! “The last time the Earth experienced a comparable concentration of CO₂ was 3-5 million years ago, when the temperature was 2-3°C warmer and sea level was 10-20 meters (30’ TO 60’) higher than now. But there weren’t 7.7 billion inhabitants,” said WMO Secretary-General Professor Petteri Taalas. 30’-60’ SEA LEVEL RISE BLOWS UP MOST OF THE 440 NUCLEAR REACTORS! DUE TO “THE REDUCTION IN GLOBAL DIMMING” - CAUSED BY DR DEATH’S KILLER COVID! CAUSING A COLLAPSE IN GLOBAL ECONOMIES! “HOT STUFF” “THE CLATHRATE GUN FIRING ON TRUMPET COCAINE” WILL HAPPEN BY 2025! DUE TO “COMPLETELY ICE FREE ARCTIC” BY 9/2023-9/2027! “MASSIVE RELEASES OF SIBERIAN METHANE” WILL CAUSE 2-3C RISE IN GMAT BY 2025-27! MELTING ANTARCTICA WEST & EAST RAPIDLY! CAUSING 60’ SEA LEVEL RISE BY 2025-2030! THIS DESTROYS MOST OF THE 440 NUCLEAR REACTORS. GAME OVER “It Is THE END!” HENCE MY PROPOSAL FOR 350-400’ PYRAMID STRUCTURES AROUND NUCLEAR REACTORS, SINCE WATCHING THE ANDRILL VIDEO 2017. ALONG WITH “SIBERIAN METHANE CAPS” TO SEQUESTER METHANE! STORING IT IN TANKS! “THE MONSTER SUPER STORMS” AND STORM SURGE MAY DESTROY NUCLEAR REACTORS, SOONER THAN SEA LEVEL RISE. BY 2025 THE GULF & FLORIDA WILL BE DESTROYED BY “THE MONSTER SUPER STORMS” - EXIT NOW! THIS IS “HERD GENOCIDE“ - NOT - “HERD IMMUNITY!“ THIS IS THE GLOBAL DEPOPULATION AND POLICE STATE AGENDA! “It Is THE END!” BY 2030-2040! “HERD GENOCIDE!” NOT “HERD IMMUNITY!” PART II. Americans Are Dying At Rates Far Higher Than Other Countries! 8 MILLION MORE POOR! “HERD GENOCIDE III” COVID LONG-HAULERS! ACCELERATES “GLOBAL DIMMING!” CAUSING “ICE FREE ARCTIC!” 9/2022 UNLEASHING “HOT STUFF!” MELTING ANTARCTICA! GMAT 2-3C RISE = 60’ SEA LEVEL RISE 2025-30! BLOWING UP 440 NUCLEAR REACTORS! “THE END!” MY PRAYER FOR - “THE REST” - SUPPORTING - “THE EVIL RICH!” CHRIST’S COMMANDS US TO - COMMAND THE RICH TO “TAKE CARE OF THOSE IN NEED!” TO ENTER HEAVEN! MY INSPIRATIONS OF WHAT YOU MUST DO IN TODAY’S TERMS - TO ENTER GOD’S HEAVEN! MOVE TO - CANADA - NOW! IF YOU CAN! BANF TO LAKE SUPERIOR UP TO HUDSON BAY, EAST. NORDIC COUNTRIES. NEW ZEALAND IF YOU CAN AFFORD TO. LAKE TAHOE, LAKE CHAMPLAIN, GREAT LAKES EAST TO COAST IN US! MUCH OF MY WORK IS IN ALL CAPITALS - most of others works are in non-caps. Sources are linked - blue text. POSTS TO RAISE YOUR SPIRIT UP TO GOD HUMANELY: GUYMCPHERSON.COM MAXDOGBREWING.COM PEACEFUL PILL HANDBOOK.COM SUICIDE.ORG DUE TO - “THE LATENT HEAT EFFECT!” - UNLEASHING - “HOT STUFF!” I COMPARE MY FORECAST FOR EXTINCTION TO SAM’S AND GUYS!!” CAUSING GMAT TO RISE BY 18 C / 32.4 F BY 2026 ACCORDING TO SAM CARANA!
LOTS OF VIDEOS - TAKES TIME TO LOAD! New Topic /Videos Each Post Plus Key Videos ALL CREDIT FOR TRUTH IS TO - "THE ONE" - THE SUNSHINE BAND AND AUTHORS NOTED. MY CREDIT IS FOR ANY MISTAKES! SORRY! THE NORDIC MODEL & The Final Judgement: Take Care of "Those in Need!" Or Fry in Hell! Christ IS "The First Great SOCIALIST!" Last Warning! SUPPORT THE NORDIC MODEL or FRY Baby FRY! WHEN YOU DIE, BABY, DIE! SOON!
GLOBAL POLICIES TO SAVE THE SPECIES: ONE LOVE CLIMATE REFUGEES & PRISON COMMUNITIES ENCASE NUCLEAR REACTORS - ENCASE POWER POLES - CAP SIBERIAN AND ARCTIC METHANE - TRANSITION TO PRIMARILY SOLAR AND WIND - USING THE SAVE THE SPECIES - NON-DEBT BASED CURRENCY! EFFECTIVELY A NORDIC MODEL / RESOURCE BASED GLOBAL RENEWABLE ENERGY ECONOMY! - NOW! ALL POSTS (clickie) TOP POSTS: "THE LOGIC OF THE GOD OF LOVE!" MEDICARE FOR ALL - CHRISTIAN! CAPITALISM - EVIL! DO YOU CHOOSE - MONEY OR GOD! "MY HIS STORY" ANTARCTICA MELTING RAPIDLY! ANDRILL 2016 VIDEO - 60-75 FOOT SEA LEVEL RISE WITH 400 PPM CARBON, SAME AS TODAY, AND JUST SLIGHTLY HIGHER TEMPS THAN TODAY! "LIVING GIVING NETWORKS:" THE THEISTIC HUMANISTIC MODEL FOR ACHIEVING -"ONENESS" - WITH - "GOD'S LAW" - TO TAKE CARE OF - "THOSE IN NEED!" TO ACHIEVE "THE SHE MATRIARCAL NORDIC MODEL!" (not a business solicitation) "BECOMING ONE" CORONAVIRUS HELL ON EARTH! THEN - "HOT STUFF"- IS UNLEASHED! EXIT - THE GULF & FLORIDA - NOW! “THE MONSTER SUPER STORMS” WILL DESTROY THEM . . . . BY 2025! OMG! "GET YOUR SUCK BAGS" NOW! "THE HAMMER AND THE DANCE!" THE MOST HORRIFIC CASE. . . . . "It Is THE END!" WORLD'S ONLY MAJOR TERRORISTS GROUP! THE EVIL RIGHT WING! "AS IT IS IN HEAVEN - SO SHOULD IT BE ON EARTH!" SUPPORT THE ONLY CHRIST LIKE SOCIETY OR FRY IN THE HELL YOU SUPPORT! RIGGED - The GREAT SIBERIAN METHANE COVER UP! CAN "THEY" FIX IT? STOP HELL ON EARTH? "HOT STUFF LIVES?" The Clathrate Gun Fired FOR FULL SCREEN: Login to Youtube FIRST, then Open My Site, Then Click on Video you Want Full Screen. Now Go To Youtube, Switch Screens, Click on History, the First Is the Video You Clicked On - On My Site! If NOT close All, Repeat Process. MUST READ and WATCH The Nordic Theory of Everything / Love, and Anu Partanen’s writings Viking Economics: How the Scandinavians Got It Right - And How We Can, Too; The Secrets of The Nordic Model, by the same author, and The Nordic Perspective! US CORPORATE STATE SOCIALISM, Fascist Monopolistic, Homo and Transphobe, Racist, Kleptocratic / Thieves, Oil War Imperialist Focused, "ALL for THE RICH" - - "RAPE THE REST!" Especially Destroy the Lives of the Truly Good People Who Stand against THE EVIL GREED of THE FEW, The Sunshine Band. UNTIL The Horrific Demise of ALL God's Children, God's Species and Wonder Filled World for THE EVIL GREED OF THE FEW . . . . . . . . is EVIL! THE NORDIC MODEL: Libertarian Democratic Market Socialism: Denmark, Finland, Norway, Sweden, are Sustainable, Humane and Egalitarian (Think - SHE - The Matriarcal Nordic Model). . . . . . .it is GOOD! Vote for THE MATRIARCAL NORDIC MODEL - NOW! Jill Stein, Bernie Sanders, Alexandria Ocasio-Cortez - AOC, and The Squad 2024! VOTE! MY HEROS OF "THE MATRIARCAL NORDIC MODEL!" BELOW BERNIE SANDERS AND ALEXANDRIA CORTEZ 2020! IF NOT, JILL STEIN AND ABBY MARTIN - GREEN PARTY - 2020! 
"God's Girls!" "GG's Community," God's Gifted, think "The Beatitudes," is the Amazing Arts Colony We Will Be playing, singing, praising, loving, adoring God at Soon! Think billions of souls coming to see you, millions daily! Loving U!
MY HEROS, ABOVE:
LESTER BROWN, "WORLD ON THE EDGE," "PLAN B 4.0," EARTH-POLICY.ORG DR. GUY MCPHERSON, FATHER OF "ABRUPT CLIMATE CHANGE" DR. JORGEN RANDERS, FATHER OF "THE LIMITS TO GROWTH!" AND, "2052: A Global Forecast for the next 40 Years!" MICHAEL MOORE - DOCUMENTARIAN - FOR - "JC AND THE SUNSHINE BAND!" EXCEPTIONAL DOCUMENTARIES! RICK STEVES - THE NORDIC MODEL - THE GOOD LIFE! POSTER CHILDREN, BELOW: EVIL TRUMP! OF "THANK GOD!" - - "It Is THE END!" "HOT STUFF!" "THE SIBERIAN METHANE MONSTER!" 
"House of Trump, House of Putin: The Untold Story of Donald Trump and the Russian Mafia"
“Damning in its accumulation of detail, terrifying in its depiction of the pure evil of those Trump chose to do business with.”--The Spectator (UK) 
Watch "THE SIBERIAN METHANE MONSTER" - ABOVE - BURN UP and SUPER STORMS DESTROY Planet EVIL GREED! DAILY! OH BOY, WHAT COULD BE MORE EXCITING THAN THAT!? OK, Her Name is . . . . . . . "HOT STUFF!"
"The Limits to Growth: A Final Warning" tells you about the authors work since the early seventies, my work since 1980, and the stage of the "science of overpopulation analysis." Dr. Jorgen Randers, "2052: A Global Forecast for the Next Forty Years," and Lester Brown, "World on The Edge," have portended the fate of the world, due to overpopulation since the seventies! However limited I see their understanding of "abrupt climate change." Archives
November 2024
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