- 3 weeks ago
CTP (S3E131) Choices, Not Control: Rethinking Homes, Taxes, Trade, More...
Exploring more of the fascinating intersection of Activism, Community Engagement, Faith / Religion, Human Nature, Politics, Social Issues, and beyond
We map why another housing bubble looks likely, then outline practical ways to lower real costs without subsidies or gimmicks. From reduced-cost building zones to rethinking property taxes and school funding, we push for transparency, options, and common sense.
• Warning signs of a new housing correction
• Why 50-year mortgages are a risky band-aid
• Choices and disclosures over one-size-fits-all mandates
• Reduced housing cost zones to cut inputs and delays
• DIY finishes and simpler specs to avoid interest on extras
• Utility fee relief for better monthly affordability
• Property taxes burden owners and renters alike
• Alternative funding for schools, police and fire
• Sales tax tradeoffs and clearer service assessments
• Smaller, practical homes and manufactured options to ease homelessness
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NewsTranscript
00:00:00Hello, welcome to another episode of Firstitutionalist Podcast.
00:00:06I am your host, Joseph M. Leonard.
00:00:10That's L-E-N-A-R-D, it's the French, it's not, it's Leonard without an O.
00:00:17Thank you for tuning in, as Graham Norton used to say, on his show.
00:00:24Let's get on with the show!
00:00:26Hello! Hello, everyone! Please pardon the background if you're looking at behind-the-scenes video,
00:00:34BitChute, Brighton, Dailymotion, Rumble, YouTube, didn't bother to change it.
00:00:40For the short, brief intro into, I'm going to share with you a video exclusive I had done in November.
00:00:50I'm going to turn that into an episode, because after I did that, some days later,
00:00:58today I am recording, it is Wednesday, November the 19th, this will probably air in December,
00:01:08but I heard fill-ins for the Charlie Kirk Show, RIP, of course, after his assassination.
00:01:16They kept the show going, but they got fill-ins, and the lust and dynamic duo, as I call them,
00:01:24they are red-pilled on some things, and on other things, they're clear.
00:01:29Leftist professor indoctrination has still clearly got their clutches on them,
00:01:36and housing issues and taxation is part of it, and I kind of went off.
00:01:43So, I did, as I said, before snooze.com, I wrote a piece regarding housing and solutions to that problem.
00:01:55Real solutions to problems rather than more government dictates, subsidy handouts, etc., for a change.
00:02:03Housing crisis addressed in the blogging slash citizen journalism category, posted on November 10th.
00:02:14Please, I'm not going to go into all that.
00:02:16Please look at before snooze.com for that.
00:02:21And without further ado, what set me off regarding listening to the radio the other day?
00:02:30Previous video exclusive, now here as a standard CTP episode.
00:02:37Thank you all for tuning in.
00:02:39Take care.
00:02:40God bless.
00:02:41Love you all.
00:02:42Welcome to another video exclusive for November.
00:02:48I don't know what video exclusive special number this is.
00:02:53I didn't look it up ahead.
00:02:55I'll need to look it up.
00:02:56I don't know.
00:02:57I don't think I've done any video exclusives because I've had laptop problems.
00:03:04But knock on empty head, right?
00:03:07Knock on wood.
00:03:09Hopefully, prayerfully, they're fixed now.
00:03:14Although earlier today, Zoom collapsed on me.
00:03:19So, I was like, oh, boy, hopefully, Zoom will cooperate now for this November 2025 video exclusive.
00:03:28And anyway, shut up.
00:03:29Let's get going, right?
00:03:33Housing bubble.
00:03:34I'm trying still to get a guest to come on the show to discuss the inevitable, in my mind.
00:03:44I'm looking for a real estate or a finance insider to come on.
00:03:50And the eventual next collapse of the housing bubble.
00:03:55Similar to 2008, but not the same.
00:03:58And we don't have the exact same conditions and situation, but there are a lot of similar conditions and situations.
00:04:08There will be another housing bubble burst.
00:04:12And there will be a bunch of people who are underwater in what their house was worth versus what it's really worth.
00:04:20And, right, you have a $200,000 supposedly home and a $200,000 or, let's say, $180,000 mortgage still left on the home.
00:04:33And the bubble bursts and it resets to an actual more realistic value of $125,000.
00:04:43Well, let's just say $120,000, okay, just to make the math easier.
00:04:48Now it's worth $120,000, what it's been worth really all along, because it was overvalued at $200,000 maybe when you bought it.
00:04:57And you still owe $180,000.
00:05:00That's a difference of $60,000.
00:05:02A lot of those people underwater in value versus mortgage will walk away like they did in 2008, causing the whole additional stuff.
00:05:15The Lehman collapse bankruptcy, housing bubble, housing costs, housing crisis, whatever you want to call this, explained.
00:05:28Okay, Trump now announces he's working to help assure the creation of a 50-year mortgage.
00:05:37Well, not really helpful, but hey, it's what can be done without necessary legislation through Congress.
00:05:51The Democrats resisting and blocking us from helping American citizens continues.
00:06:00They will filibuster bills that help Americans.
00:06:03They only want to help non-citizens.
00:06:07The whole shutdown argument, $1.5 trillion more to send hundreds of billions overseas to help foreigners, not money for Americans.
00:06:18Another largest chunk of the $1.5 trillion.
00:06:22They were demanding, despite losing the election, for more handouts to cover health care for non-citizens.
00:06:32So we see the difference in who they're fighting for versus who we're fighting for.
00:06:38But housing costs, housing issues for American citizens is the problem here, and what the left keeps blocking will continue to keep blocking.
00:06:54Item one, well, 50-year mortgage, right?
00:06:58I would never, no one I know would ever get a 50-year mortgage.
00:07:04A 15 is great, it's the most ideal, obviously, but most people have to get into a 20, 25, more traditionally, 30-year mortgage, right?
00:07:18You need more time to pay in order to have a lower bill.
00:07:23But, of course, the interest you're spending over the course you're accruing and racking up and ultimately paying for over the course of 30 years versus 15 years is significant.
00:07:37And a 50-year mortgage, oh my God, the amount of interest you will rack up, accrue, and have to pay over that time, absolutely absurd.
00:07:49But I'm for choice, I'm for options, I'm for realism, what can realistically be done, and hey, this is something Trump can do without a need of an act from Congress to work with banks and lenders to create options, choice.
00:08:12If you choose, if you choose, if you want to, if you're willing to sign on the bottom line for a 50-year mortgage, because that's the only way it gets you into a house, then you should have that choice, that option.
00:08:34The left, of course, oh, no, no, that won't, no, it won't solve the problem.
00:08:39It's not meant to, it's a banding, it's an option, you should have that option.
00:08:46The left, of course, while clamoring about choice, choice to the left is only used as a dodge for murdering babies.
00:08:55They oppose school choice, they oppose choice in and of everything, and you having the option.
00:09:05Obama care locking you into government run.
00:09:10We want more private sector options and choices, more choice, more competition that helps bring costs of things down.
00:09:22Left, less choice, government control of everything, government run of everything, runs up the cost of everything they control.
00:09:32So, no, 50-year mortgage isn't a solution for most people.
00:09:39It will indebt them more in the long run.
00:09:43It can be more hazardous to them, but it's an option.
00:09:48Just like the interest, flexible interest rates, the supposed predatory lending before the 2008 housing bubble.
00:10:00No one held a gun to the heads of these people and made them sign the loan.
00:10:07They chose to sign the loan, hoping the rate wouldn't adjust up very much, or if it adjusted up five years later, their wages will have gone up enough so they could cover the new nut or note, as they say.
00:10:26Now, right, the loan cost, the loan amount to have to pay to put principal and interest payments down.
00:10:37No one forced a gun to their head for this predatory lending.
00:10:41No one made them sign it.
00:10:44No one.
00:10:45They chose to do it.
00:10:47And then they weren't prepared when the rate fluxed up, as we all knew it would.
00:10:54Even they knew it would.
00:10:56And when they were underwater, they just decided, eh, let's stick everybody.
00:11:02Let's stick all the other bank customers.
00:11:05Let's stick all the other credit unit customers.
00:11:08Let's stick all the taxpayers for the government bailout that would be coming to the financial institutions.
00:11:16Let's just stick them all and walk away and force the entity that held the loan to foreclose on the house because they were underwater, thinking, ah, well, we'll just go rent somewhere.
00:11:31Some of that's coming again.
00:11:33Some of that is coming again.
00:11:35So, no, 50-year mortgage, not a solution.
00:11:39Band-Aid and an option.
00:11:42Because we're about options and choice.
00:11:44While we then work for actual policy prescriptions that will address the real problem and fix the real problem.
00:11:57And I've lined out a few.
00:11:59Like, deporting more illegals.
00:12:02That's right.
00:12:03You've got no business coming here.
00:12:06You don't have a right to come here.
00:12:08It is a privilege.
00:12:10We get to decide who we allow in.
00:12:12If you broke in, and as Jesus says in the Bible, those who do not use the door are a thief.
00:12:21They're a thief.
00:12:22They're a fraud.
00:12:23So, spare me.
00:12:25You're a fake Christian.
00:12:27Oh, I'm all for it.
00:12:28There should be no borders.
00:12:30No one is illegal.
00:12:31Blah, blah, blah.
00:12:33Jesus says you're wrong.
00:12:36Read your actual Bible.
00:12:38So, deport more illegals.
00:12:42There is less of a demand, then, for houses both rented or purchased.
00:12:50That opens up houses that frees up market, that reduces demand, that lowers prices.
00:12:58One arrow in the quiver.
00:13:00That alone doesn't solve it, either.
00:13:03For citizens, rent or buy.
00:13:07That eases the issue.
00:13:09Will help bring down rents, bring down housing costs overall.
00:13:14Yeah, because your landlord is buying properties at big numbers.
00:13:18They have to charge big numbers in rent to pay off the property they bought.
00:13:23And to cover the taxes the left keep wanting to raise on the property.
00:13:29They've got to cover those costs and the maintenance costs and blah, blah, blah, blah, blah.
00:13:34So, renter or buyer, deporting more illegals will be one solution of the overall puzzle picture.
00:13:46Two, interest rate.
00:13:49But, kind of keep pressuring.
00:13:51We should have already had more interest rate cuts.
00:13:55We must pressure.
00:13:56We must get Jerome Powell.
00:13:59Once he's up, I think he's up in May.
00:14:02Go on.
00:14:02Buy.
00:14:03Out of here.
00:14:04Get GTFO.
00:14:06Right?
00:14:07Trying to still be G or PG 13 here.
00:14:12GTFO, Powell.
00:14:13Bye-bye.
00:14:14Don't let the door hit you on the hind side on your way out.
00:14:17Replace him.
00:14:19Get another half percent cut.
00:14:22And interest rates.
00:14:24People who have higher interest rate mortgages can then refi.
00:14:31Get their payments down.
00:14:33Give them more disposable income for other things.
00:14:37Another part of the solution.
00:14:40Item two.
00:14:42Just part of the whole overall picture.
00:14:44Number three.
00:14:46Reduce regulations.
00:14:49How about, I wrote it down, reduced housing cost zones.
00:14:55Parts.
00:14:56Certain areas of the country.
00:14:58Like we did enterprise zones.
00:15:01Federal and state taxes are waived.
00:15:04If the company builds in the enterprise zone to employ more people, we give them a tax.
00:15:10Oh, let's do the same thing with housing builder contractors.
00:15:16Reduce housing cost zones.
00:15:19Put one.
00:15:20Detroit.
00:15:21I talk all the time.
00:15:23Downtown is great.
00:15:24It's beautiful.
00:15:25It's wonderful.
00:15:25If you're upper middle class or a millionaire or a billionaire to be able to afford the expensive apartments, condos, or whatever options in downtown Detroit.
00:15:39It's expensive.
00:15:41Great place.
00:15:43If you can afford it.
00:15:45Most of Detroit, however, yes, they've ripped down a bunch of the vacant properties.
00:15:52That's good.
00:15:52But vacant, empty land doesn't solve any problem either.
00:15:56We need to set up reduced housing cost zones in old Detroit neighborhoods that have been cleared out.
00:16:04A contractor could come in and build 10, 20, 30, 50 houses all there together in a new minor subdivision in Detroit city limits at reduced rates.
00:16:21Reduce some taxes.
00:16:22Yes, of course.
00:16:23Absolutely.
00:16:25Positively.
00:16:25Just like with cars.
00:16:28TinyURL.com slash JLD articles.
00:16:33TinyURL.com slash JLD articles.
00:16:39My Beforged News page.
00:16:42Joseph M. Leonard.
00:16:43J. Leonard Detroit.
00:16:45There.
00:16:45You'll have to scroll down quite a bit, but cars.
00:16:49Automotive regulations must be reformed now.
00:16:54Now, GM and Ford, maybe not Chrysler because Chrysler is not really an American automotive company anymore.
00:17:02But how about GM and Ford be given exemptions, an allowance, a carve-out in the laws from the regulations?
00:17:14Please go to beforeitsnews.com.
00:17:15Please go to beforeitsnews.com.
00:17:17Again, tinyurl.com slash JLD articles.
00:17:21Have to scroll down ways, but it's there.
00:17:24All right?
00:17:25GM, you get to make a million cars Ford.
00:17:28You get to make a million cars a year exempt from the following.
00:17:35Airbags, a major car, federal dictatorial.
00:17:43The left calls us Nazis.
00:17:44They're the ones created all these federal government dictates, edicts, regulations, enforcements, impositions upon you and me.
00:17:58If I want a car and I'm willing to be fully disclosed, that's the other.
00:18:06I'm against government regulations that impose things except for full disclosure requirements.
00:18:14Regulations that demand you disclose what's in that vehicle, oh, I'm all for.
00:18:21But, yes, okay, here's one of the million vehicles exempted from airbags.
00:18:29There's an airbag in the steering wheel.
00:18:33But all those side-impact ones, gone.
00:18:36Passenger one, gone.
00:18:39Use your seatbelts.
00:18:41If I want, I should have choice.
00:18:45I should have options.
00:18:47If I want to buy a car with less airbags, as long as it's disclosed and I'm willing to sign on the bottom line, I accept the personal responsibility.
00:18:58I know what I'm buying.
00:19:00It's what I want to buy because it's less expensive.
00:19:04Less airbags.
00:19:06Crank windows.
00:19:09Manual door locks.
00:19:11How about some cars potentially with no air conditioning, cost less.
00:19:17How about some more stick shift vehicles, less expensive, less expensive options.
00:19:26Choice.
00:19:27You can go to the dealership.
00:19:29I want one of those million exemption cars.
00:19:32So, I could pay $10,000 less than the average cost of all these cars you're making with all the federal leftist dictates in them that drove up the cost.
00:19:49I want that option.
00:19:52I want that choice for me and for you.
00:19:56No one is holding a gun to anyone's head, forcing them to buy those vehicles, but it should be an option to be able to buy those vehicles for lunch.
00:20:09The same, bringing it back to housing with houses.
00:20:13All right?
00:20:14I'm not a builder.
00:20:16So, I'm just kind of spitballing concepts.
00:20:21Vague concepts.
00:20:23Those of you in the industry can hash it out and know what I'm talking about and provide the details.
00:20:31A frame.
00:20:33Frames through the whole house.
00:20:35Regulation requires a 2x4 every 6 inches.
00:20:40Again, I'm just spitball.
00:20:43I don't know that's the regulation.
00:20:45I don't know that's the code.
00:20:47I don't know that's the requirement.
00:20:49What I'm saying is suspend the usual regulation and the code and allow a builder to say,
00:20:57okay, we're going to make walls where the 2x4 infrastructure are 9 inches of power rather than 6.
00:21:08But, still very solid, still very sturdy, still absolutely great, reduces the cost of the overall building, therefore the overall cost of the house.
00:21:25Other things.
00:21:26How about something simple and stupid like this?
00:21:30No painting.
00:21:31No painting.
00:21:32You get the drywall interior.
00:21:35And even how about the exterior if it's standard?
00:21:38You know, it'd be great if there were siding or fake brick or whatever.
00:21:43But, how about a standard wooden exterior and you paint it yourself?
00:21:51Same with the inside.
00:21:52We save the cost on the painting.
00:21:58You buy the primer, put it on.
00:22:00You buy the paint, put it on.
00:22:03Now, think, oh, wait a minute.
00:22:05That's it, right?
00:22:06If it costs $1,000 to have the interior all done and painted in a neutral color,
00:22:13which you're likely to repaint and change the colors anyway from the stale, plain, blah, white, or whatever, beige that's in there.
00:22:25You're going to paint anyway.
00:22:27So, why pay for painting that you're just going to cover up?
00:22:32Eliminate that.
00:22:33Let the homeowner.
00:22:35Now, let's just, again, spitball.
00:22:37Let's just say that adds $1,000 to the cost of, yeah, overall cost of $150,000 home might seem minimal.
00:22:49But, you're not thinking through the whole math.
00:22:53So, we don't paint it that house may only cost $1,000 less because they're not just paying the painters and paying for the supplies.
00:23:04There's a markup.
00:23:05So, you're saving that.
00:23:07So, let's say it would have cost $1,200, but you get it plain.
00:23:15You're going to spend $1,000 anyway.
00:23:17Well, let's say you're going to spend the whole $1,200.
00:23:21I'm not saving anything.
00:23:23No, you are.
00:23:24You are.
00:23:25Bear with me.
00:23:26But, if it would have been $1,200 with markup and you're going to spend $1,000 to do it yourself,
00:23:32you choose whether you buy cheaper expansion brushes.
00:23:35You choose if you buy cheap or expensive Primark.
00:23:39You choose cheap or expensive paint.
00:23:42I used to work for Kmart.
00:23:44The Martha Stewart Kmart store brand or pick your brand.
00:23:49Fancy paint painting brand.
00:23:53It would cost twice as much.
00:23:55You decide how much you're going to pay for those sorts of things.
00:24:00But, for sake of argument, let's argue $1,000 on the cost of the house deducted.
00:24:08You're going to spend $1,000 over the next few months doing it yourself.
00:24:12That's it.
00:24:13You're saving on the labor.
00:24:15$1,000, $1,000.
00:24:17That $1,000 that you would have 15, 30, or 50-year mortgage on, that $1,000 becomes $1,500, $2,000, $3,000, $5,000 over the course of the loan as it compounds interest.
00:24:39you're saving all that interest so let's say you're going to spend a thousand and you don't
00:24:46have the cash you put it on a credit card all right you're going to pay interest before a lot
00:24:52shorter period of time if you charge the thousand on a credit card and pay a hundred a month on your
00:25:00credit card pay it off in 11 12 13 months your thousand dollars cost you 1100 1200 1300 that's
00:25:11still better paid off in shorter period of time than 15 30 50 years that thousand is actually two
00:25:22three five thousand over time you're saving money houses are cheaper these are simple fixes
00:25:34simple solutions and no one is forcing you to buy one of those houses and paint it yourself you can
00:25:44choose to do that if it's better option and more affordable for you see this is simple
00:25:52stuff the left can't use common sense they don't know simple they don't know anything but more
00:26:00government more government regulation subsidies no subsidies either but how about this a full
00:26:09disclosure right again as long as you are fully disclosed that's what's done that nine inches
00:26:16rather than six inches between the two by fours and your walls as long as you've been disclosed that
00:26:23you have the option to buy or not no one holding a gun to your head what about the water the electric
00:26:30and the gas suppliers well let's work a deal with them no no no not subsidizing them not stealing from
00:26:40other taxpayers to give to the water company to charge you less no work with them that oh government fees
00:26:49waived government taxes waived their costs less they can sell you drops of water cheaper kilowatt hours of
00:26:59electric cheaper cubic inches cubic feet of gas cheaper savings passed on to you you get a break
00:27:08if your water bill electric bill and gas bill are all 10 percent less guess what that doesn't help you on
00:27:17the cost of the house but it helps your budget you've now got more dollars you're spending less on water
00:27:26electric and gas you can then get a higher mortgage payment amount and be able to afford to cover it
00:27:36i'm just so fed up with moronic thinking government creates the problems and government thinks it can solve the
00:27:45problems by throwing subsidy monies at it that doesn't help as reagan said government doesn't solve problems
00:27:53it subsidizes them and we all pay because it's our money they're stealing to subsidize other people
00:28:02their stuff no let's cut the costs let's make more choice let's open up more competition
00:28:11that brings costs down this is simple stuff to understand if you think rather than oh my snowflake
00:28:23feelings i'm so offended i'm upset the government has to do everything the government must do more not less
00:28:32the government must give more handouts not my feelings my feelings my communism steal from
00:28:41steve to give to eve and pretend you've done something no you haven't done anything jesus said to take care of
00:28:50the poor we are to want to take care of our brothers and sisters widows and orphans through charity
00:28:58our own free will voluntarily our own blood and treasure helping having government jesus never said
00:29:09let the romans create laws to steal to give to another and you get to pretend you've done something
00:29:17no that's not how it works jesus never said it that's how about you actually read your bible
00:29:24the difference between biblical community free will voluntary charity versus worldly communism
00:29:32force theft redistribution right everything at the barrel of a gun you've got no choice in the matter
00:29:42big difference so i'm checking my notes here so yes we need reduced housing cost zones
00:29:50and that will not eliminate no such thing as perfect here no absolute fix but all these things i've outlined
00:30:02will help alleviate the problem help reduce the strain on the system help american citizens
00:30:13not foreign invaders i saw somebody on fox say how anti-tax right i'm anti-tax i oppose tariffs most
00:30:24time but again what do you want trump to declare war on china over economic trade issues no tariff is the
00:30:33tool we've got i give him grace i make an exception to my no taxes rule no tariffs this nation existed
00:30:43wholly on solely on important export tariffs before the 16th amendment came along we can do that again
00:30:53tariff isn't a dirty word within reason right and that's the tool we have do you want them declaring war
00:31:02on britain declare war on canada declare war on france and germany let's go to war with everybody
00:31:11due to economic issues since world war ii we allowed others to take advantage of us and tear of us we
00:31:21didn't care of them as they needed to rebuild following the destruction of world war ii it's 80 years later
00:31:29enough no you no longer get to take advantage of us you are on equal footing as us now you've long
00:31:39been rebuilt it's time we stopped being rebuilt it's time we stopped being taken advantage of it's time
00:31:45we create equal playing field and tear us if you tear of us we tear a few back is fair trade it's equal trade it's
00:31:59right fair are you i would love free trade but we need fair trade every nation should protect their
00:32:11steel industries it's a national security issue us england spain france jeremy everyone should have
00:32:21import tariffs on that and aluminum and tin and maybe even rubber although rubber items aren't
00:32:31an issue right now but things that are a national security issue because we must be able to build
00:32:38our own items for defense of our own nation same with our allies so no problem with that but general
00:32:46consumer items no enough of you taking advantage of us it made sense we wanted you to build back after
00:32:56world war ii or 80 years removed that doesn't apply anymore it goes back to reagan there's nothing more
00:33:05permanent than a temporary government program that was supposed to be a temporary situation
00:33:13the left and cenos and rhinos the deep state crowd once something's in place oh no you can never
00:33:21change it you can never undo it they're busy making money off the exchanges they're busy money laundering
00:33:29off the conditions times change policies have to at times change and now is time for reduce housing cost zones
00:33:40simple simple simple solution something that could be put in place tomorrow if not tomorrow how about next
00:33:49year it will take a year two years three years you just don't throw up houses overnight it will take time
00:33:59the land to be designated the land to be prepared the houses to be built people arranged real estate
00:34:08agencies to then be able to sell the houses to people who want them no one holding a gun to their head
00:34:14your choice to choose to buy at that rate for the nine inch apart two by fours rather than the six inch
00:34:23apart two by fours your choice to paint it yourself or not your choice the left is never about choices
00:34:33so time is overdue it will take time for houses to get into the system absolutely but we must act now to put in place
00:34:46these policies to reduce the regulations and the taxes and create the zone so we can start the process to help
00:34:54alleviate not eliminate alleviate the pressure in the system before it's too late because the bubble's going to burst again
00:35:05it could be days it could be weeks months years it could be staved off by a miracle a decade or two decades but it's coming
00:35:15and this will help alleviate that a little also hopefully if we do enough of it we can stave off the collapse the bubble
00:35:28bursting again and let housing prices come down reasonable reduction rates rather than collapsing overnight from 200,000 to now
00:35:42you've got 120,000 value that's when the bubble is bursted and people walk away there's a bunch of
00:35:49foreclosures and there's chaos we can work to avoid a lot of that i tried to make notes before hitting record i
00:35:59know there's something i'm forgetting help the housing problem and at the same time help the homeless problem
00:36:07because the more renters that they buy the more space is freed up to have rents come down and some that are homeless could
00:36:18then afford the rents and not be homeless as well as of course other zones right relocate homeless people zones
00:36:28where instead of building houses how about prefabs homes they used to be all over the place how
00:36:38about trailer parks i know people not everyone that lives in trailer parks or trailer park trash i know
00:36:44people who lived in a trailer park for years right i had the episode with i forget her name but trailer park
00:36:51angel just recently during book weeks she was on trailer park angel not everyone lives in a trailer park is trash
00:37:00how about trailer park zones inexpensive housing not the most ideal but hey you got a kitchen you got
00:37:10a bathroom you got a bedroom you got a living room it may be small but you got your own place inexpensive
00:37:17we can move people into that they could afford less homeless people these are simple solutions the government
00:37:25leftists don't know simple they can't kiss in on simple they want to extort money from you launder most of
00:37:35it into their pocket and then pennies get to other people that doesn't solve anything this doesn't necessarily
00:37:44solve everything but it helps a whole heck of a lot while the left keeps blocking it they want to help
00:37:54invaders they don't want to help u.s citizens all right yeah again rambled again thank you all take
00:38:01care god bless love you all sorry i'm sure i'm forgetting things hey chime in in the notes if you thought of
00:38:09a regulation or a corner that could be cut in a house without destroying overall structural integrity
00:38:18and safety of i'm not saying oh let's sell houses without roofs on them come on come on right you put
00:38:25your own roof on what we're not talking that kind of stupid but we're talking little things what could be
00:38:32cut how about less two bathroom houses and more one bathroom houses again may not be ideal may not be
00:38:42preferred but it's a lot less expensive to be able to afford how about slightly smaller living rooms slightly
00:38:51we've gone the old days families of 12 used to live in a four or five bedroom
00:39:00two or three bath you know mcmansion we might call them today in weingot downtown weingot we got a ton of
00:39:09those old homes historic labels but a family of 12 lived in that house that's not very big the bedrooms
00:39:18were all small because they were just meant to sleep in them they don't need to be huge mass bedrooms
00:39:24you know bedrooms bedrooms as big as people's living is my living room this house i'm in my grandfather
00:39:33got an exemption in world war ii because he worked for the ford rouge bomber plant got exemption on the
00:39:41rationing to be able to build this house a lot of people's bedrooms are bigger than the living room
00:39:47i'm in right now how about we reduce the size make them more affordable how about we learn to be
00:39:55reasonable and say i don't need a 1500 square foot living room with cathedral vault ceilings and humongous
00:40:07you know almost church-like shaped fancy shaped windows oh simple square windows with simple double-pin glass
00:40:20workable windows with screens let's learn to be a little less entitled and expectant on so much overly fancy
00:40:33stuff that's nice hey to show off to the neighbors keeping up with the joners look i'm in a mcmahon i know
00:40:41how about smaller reasonable practical practical homes being built so people can actually afford to live in them
00:40:50okay let's try that again oh the green screen is acting up there we go let's adjust that a little and
00:40:59the sun is shining in so i think that's kind of probably what's causing that problem
00:41:07in oh that upper corner of the screen so please don't look there
00:41:18uh i had somebody supposed to interview for the show they were a no-show uh so i went out to grab something
00:41:26for lunch while out i had on what was the charlie kirk show is still but then a dynamic
00:41:39less than dynamic duo currently doing the show
00:41:46we're talking about desantis now talking about either reducing or eliminating property taxes
00:41:53and one of the things one of them said as pushbacks they don't want to eliminate property taxes oh
00:42:03well why because you don't pay them you don't you don't care well let me get into it right i'm i made
00:42:13some notes but he he was saying you know seniors are among the wealthiest of oh okay so okay
00:42:22aoc tax the rich huh and they're not wealthy they may own a house that on paper is worth 250 000
00:42:34but that doesn't make them wealthy it's only worth that if they sell it and if they sell it they gotta
00:42:41live somewhere everything else costs as much unless if you find something you know but again i have a
00:42:49friend fred uh used to work with him in it uh he lost his job but his wife also worked in it and could work from home
00:43:04so they sold their couple hundred thousand dollar home here in michigan and went and bought where cost of
00:43:15living is a lot less a home outside of atlanta for half that pocketed that difference and lived off
00:43:25her salary down there they're doing well because the cost of living is far less so yes there's a lot
00:43:32of things that factor but are they wealthy were they wealthy selling a two hundred thousand dollar home
00:43:39no wealth on paper doesn't mean you've got money at any rate property tax because i have done a show
00:43:55i think it was darlene hennessy it was i had on talking about the move to eliminate property taxes in
00:44:03michigan so i want to address mr aoc tax the seniors because they got money he's young he doesn't have
00:44:13anything of real value yet to hell with them it's all about him and only him let's deal with that how
00:44:22eliminating property taxes helps everybody not just one sector or the other even if you don't own a property
00:44:33it helps you but the charlie kirk wannabe that is nowhere close to being charlie kirk doesn't think
00:44:44he's a snowflake you know his feelings and all about him what about him oh what about him all right
00:44:56let's deal in the whole thing as best we can your mileage may vary your region may vary right it all
00:45:06varies a little but first property tax itself as someone on disability and yes in a home that has no mortgage
00:45:19on it i'm still extorted taxes at the value they claim it's worth not what the house was built for
00:45:31not what it was worth before not what it was worth when i obtained it but whatever they say
00:45:37the inflating and you could check before it's news.com i've got a piece on housing prices and how to fix
00:45:45the issue of affordability so people can actually afford to buy a house like this young person who
00:45:53if i were there i'd ask do you own a home or do you rent or you just live in mom and dad's basement
00:46:00you don't care that mom and dad are being extorted property taxes because you're living for free but
00:46:06anyway all right that aside everyone's specifics are different
00:46:10but my property taxes keep going up and up and up and up and up i can't afford them on my disability
00:46:19budget i'm extorted money for property i supposedly own but i have to pay rent to the state
00:46:32for the courtesy of living on the property and under the roof that has been paid for already
00:46:40okay so that's my situation unlike him filling in on the kirk show it's not all about me
00:46:53it's not all right what about my neighbor who's working younger still working right recently bought the
00:47:04house next door as a inflated value has to pay property taxes while still paying a mortgage and paying
00:47:13insurance on top of that and all that right helping her by reducing if not eliminating the property tax is a
00:47:23benefit to all of us also our entire community gives her more money to spend where she deems her dollars
00:47:32dollars that she earned should be going not where the state decides to steal it and redistribute it to
00:47:43okay i if i was there would ask this young kid all right you don't own a home well are you renting
00:47:51question question do renters pay property tax the answer is yes
00:48:02duh the person who owns the property from which you are renting is extorted property taxes from and that is
00:48:14passed on to you the renter so whether you see it broke down in your monthly rent or not you're paying the property tax okay let's say
00:48:29you're young and you're living in mama's dad's basement you don't care at all then about your parents being
00:48:37extorted money on property they may already own fully paid off for or struggling to pay the mortgage on
00:48:47because the property taxes their mortgage may have been fixed but their property tax keeps going up and
00:48:55guess what if you have a mortgage in most states the bank must escrow the estimated taxes in their bank payment
00:49:08so their payment may go from 2500 a month to 2700 a month to continually cover the growing up up up up up
00:49:20more theft in taxation on the property they own that's only worth the first sake of argument quarter of a million
00:49:31dollars if they find someone who will buy it for a quarter of a million dollars and then what
00:49:41all the other homes in the area are probably a quarter of a million dollars unless it's like fred they move to
00:49:49atlanta suburbs and buy a home for half the value to have some extra flexible actual cash in their pocket
00:50:00they're spending 250 on another home it's a wash there's no gain there but yet this young dumb
00:50:11person who has probably never had an economics class and of course since they don't teach civics and
00:50:19history in school either doesn't know any of that any of this doesn't understand any of this
00:50:30so you eliminate the property taxes you help a whole lot of people not just seniors but you're okay
00:50:41with seniors being kicked out of their homes because they can't can't pay the extortion to the state
00:50:50even though they own their home so their home is seized and then kicked out on the street and this guy
00:50:59apparently has zero issue with that this isn't about our feelings and it isn't about us and us alone
00:51:11okay i covered rent i covered seniors and the other right schools right oh i'm gonna grab a
00:51:27pardon me i had to pull marco rubio there schools we fund schools in park by property texas what are the
00:51:37schools gonna do what are the poor little children gonna do oh my god you can't take away the funding for
00:51:44the schools you fund them another way
00:51:50lottery that's a voluntary tax trillions upon trillions upon trillions of dollars every year taken in by
00:52:01lotteries all across this nation and trillions upon trillions upon trillions of dollars then
00:52:07funneled into the school trillions more than we used to spend and education is so great it's so much
00:52:14better because we're spending so much more money right wrong money isn't the problem or the issue
00:52:22there we spend more the education gets worse and worse so your money argument about funding the schools is bogus
00:52:35that is another show to talk about proper funding and what should realistically be the funding of
00:52:43schools and yes at the liberty beacon.com i have school reforms uh
00:52:51school reforms needed now as well as an election reforms needed now peace at the liberty beacon.com
00:52:59go there for that right i don't want to get too deep in it but the point being there are other mechanisms
00:53:06other than just property tax that money can be gleaned to fund the schools
00:53:13i don't want to go on and on forever in this fire and police all right okay
00:53:20what if you own a home if someone trespasses and steals something you want cops to show up take
00:53:30a report and detectives to track them down and get back your stuff yes if there's a fire you want a
00:53:37fire department to be able to show up and put out the fire yes that's communism
00:53:46okay we all accept that degree of community policing and community fire protections
00:53:57we understand that so you can reduce property taxes by a whole lot and still cover that all right here's a
00:54:05thought if we're going to agree government can and could and should do some things like police and
00:54:13fire we can't all afford we can't all afford and all shouldn't be left to fend for hiring our own
00:54:21private security and hiring our own fire force right we agree as judeo-christian founded nation
00:54:32that level of community function is indeed shared by all and paid for by all because it benefits all
00:54:45but here's a thought how about instead of taxing people's supposed value of their home
00:54:55what is the cost of the police force what is the cost of the fire department that take that money
00:55:07divided by the number of homeowners or property owners commercial to whatever and send them a bill
00:55:17for whatever their portion their share their real cost of that is right okay and if you want to cling to
00:55:29your oh no we gotta soap the rich all right if someone someone who has a half acre still needs the police and
00:55:40fire as much as someone who has five acres but if you want to do it all right divide it
00:55:47on a per acre cost you have a half acre this is how much you pay you've got five acres
00:55:54it's this much an acre times five you pay that to cover the cost not based on arbitrary value which fluctuates
00:56:06up and down and all around may or may not have anything real to do with the actual value
00:56:17of the house and it's only worth that if you sell it if you buy a house and you plan on
00:56:25living there your entire life that arbitrary value going up unless if you're gonna borrow against that equity
00:56:35means zero to you zero absolutely zero it's a negative to you the value of this house keeps
00:56:46going up i'm not selling it because i couldn't afford another place the value keeps going up the property tax
00:56:54keeps going up why if i'm supposed to pay for fire and police then cut send me a bill for exactly my
00:57:05proper share of it not arbitrary tax on an arbitrary number that is meaningless
00:57:16really to the value of this property because it's only worth that if someone's willing to pay that
00:57:23and it's only does anything for a buyer or a seller if the property is actually bought and sold and bought
00:57:33all right lastly i wanted to touch on sales tax
00:57:37and all of this is to show the charlie kirk wannabe way fall short non-thinker emotional snowflake
00:57:48right i'm talking general numbers here i threw out some four instance numbers again the numbers are
00:57:58going to vary everywhere but sales tax also a lot of places some of the sales tax goes to the schools well
00:58:08sales tax i'm as anti-tax as they come sales tax is the most reasonable tax there is and here's why
00:58:19you have options you have choices your wages aren't being confiscated you get to keep that
00:58:27your home your property isn't being charged rent for something you already own but a sales tax is a
00:58:37transactional tax that happens everywhere on a daily basis let's talk about a car right
00:58:47go out and get a fifty thousand dollar car if the sales tax is ten percent that's another five
00:58:53thousand and if i can't afford the loan for fifty five thousand dollars to cover that well then guess
00:59:01what instead i can choose a forty thousand dollar car and the four thousand dollar tax forty four thousand
00:59:11financed is far less than fifty five thousand dollars financed right you buy a tv oh hey you've got to have
00:59:22that big new eighty inch tv well guess what it costs more maybe with the tax you can't afford that but then you could buy
00:59:35a fifty inch and afford the tax right that you have give and take on so a sales tax if we are to
00:59:47to transfer some of what is collected in property tax to sales tax makes more sense
00:59:58again i'm as anti-tax as they come the problem is not taxation it's spending cut the spending get
01:00:07government out of government out of things they're not supposed to be meddling in cut the spending cut
01:00:15the taxes let people keep their own money like for example i'm on disability so i can't afford a four
01:00:26thousand dollar car let alone a forty thousand dollar car because of course then there's the registration
01:00:33fees and the driver's license fee and of course all the state regulations that insist that the insurance
01:00:40company has to charge me for these things whether i need them or not and of course the law states i must
01:00:48have insurance to have the car on the road so my car i own still costs me monthly for the privilege of
01:01:00being able to put it on the road but again when i was working i had a great salary at the time also
01:01:10when i was married my wife had a great salary we had nice things i like nice things i'd love to be able to
01:01:18have a bunch of nice things i can't afford them right we bought a chevy avalanche way back when a
01:01:27forty thousand dollar truck then they don't make the avalanche anymore the escalate i think is a six
01:01:33the cadillac version is over six figures now a forty thousand dollar truck but i had a good job she
01:01:41had a good job we could afford that and afford the sales tax on top of that if we couldn't then we could
01:01:49have bought a chevy uh oh we had one of those s10 instead although i don't think they make those anymore
01:01:59either but you have options with sales tax you can adjust what you buy to take into account and factor in sales tax
01:02:09now uh these are my notes you can see prop for property rent seniors schools fire police sales tax
01:02:19i've touched on each of them but while i was in the car driving home getting ready to record this and
01:02:25making these notes more things went through my head but the point being this isn't just an issue for
01:02:33seniors and it doesn't destroy completely school funding so spare me that and again that's a whole other
01:02:41issue continually throwing money at the schools and getting less value out of the schools is not the answer for
01:02:52that either we must have serious thoughtful thinking logic reason common sense involves conversations
01:03:07not like that guy oh my god my feelings what about me me me me me me me bell like matters is my situation
01:03:16right and again yes housing bubble probably gonna burst again we're gonna
01:03:21see 2008 all over again you have a house supposedly valued at two hundred thousand dollar you've got
01:03:29a hundred and fifty thousand dollar mortgage you're paying on it and guess what the bottom falls out and
01:03:34it goes down to a value of one hundred thousand you're in the hole a lot of those people are gonna do
01:03:41what like in 2008 walk away because they're under water in their mortgage they just walk away even
01:03:50though they signed the bottom line and agreed to make those payments they're just gonna walk away
01:03:56and those homes will be foreclosed upon
01:03:59i forgot where i was going with that but again yeah these are how oh yeah housing beforgenews.com
01:04:10tinyurl.com slash jld short for j leonard detroit articles tinyurl.com slash jld articles and give me a second i'm gonna toggle over
01:04:24to my before its news page and that article in the blogging slash citizen journalism category of
01:04:35before its news is called real solutions to problems rather than more government dictates subsidy handouts
01:04:44etc for a change housing crisis address so please look at that too i don't go into the property tax thing
01:04:54but please look back in the ctp archives for the show i do talk with i think it's darlene about the
01:05:02movement to eliminate property taxes here in michigan as is happening in a whole lot of other states and all
01:05:10i've laid out to you must be factored in taxation can be moved about and shifted about but how about we
01:05:19stop spending government monies on things the government constitutionally is excluded from doing
01:05:29in the first place then all these taxes can come down thank you all take care god bless love you all
01:05:39like and subscribe to christitutionalist politics podcast and share episodes we need your help thank you
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01:06:09thank you again thank you again take care god bless love you all
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