CTP (S3E131) Choose Cost, Not Control: Rethinking Homes, Taxes, And Trade

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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A Short Story: A Lasting Legacy? book Trailer

Chapters

• 0:00 Opening And Episode Setup
• 2:45 Forecasting The Next Housing Bubble
• 6:20 The 50-Year Mortgage Debate
• 12:28 Personal Responsibility And Adjustable-Rate Loans
• 16:28 Policy Ideas: Immigration, Rates, Regulation
• 22:01 Reduced Housing Cost Zones Concept
• 27:11 Cutting Building Costs Through Options
• 33:31 Utilities, Fees, And Budget Relief
• 38:01 Fair Trade, Tariffs, And Cost Pressures
• 43:01 Property Taxes: Who Really Pays
• 49:31 Seniors, Renters, And Escrows
• 54:31 Funding Schools And Services Differently
• 59:41 Sales Tax Versus Property Tax
• 1:04:31 Practical Downsizing And Design Tradeoffs
• 1:09:01 Closing Thoughts And Listener Input

Transcript

SPEAKER_00: 0:00

Hello, welcome to another episode of Podcast. I am the host of the water and ARP. Oh. Thank you for tuning in. Let's go, let's go. Hello everyone. Please pardon the background if you're looking at behind the scenes video bit you writing on, Daily Motion, Rumble, YouTube. Didn't bother to change it for the short, brief intro into I'm going to share with you a video exclusive I had done in November. Going to turn that into an episode because after I did that, some days later, uh today I am recording. It is uh Wednesday, November the 19th. This will probably air in December. But I heard uh fill-ins for the Charlie Kirk show, R.I.P., of course, after his assassination, they kept the show going, but they got fill-ins and the left-end dynamic duo, as I call them. They are red-pilled on some things and on other things. They're clear. Leftist professor indoctrination has still clearly got their clutches on them. And housing issues and taxation is part of it. And I kind of went off. So I did, as I said, divorce news.com. I wrote a piece regarding housing and solutions to that problem, real solutions to problems rather than more government dictates, subsidy handouts, et cetera, for a change. Housing crisis addressed in the blogging/slash citizen journalism category posted on November 10th. Please, I'm not going to go into all that. Please look at theforce news.com for that. And without further ado, what set me off regarding listening to the radio the other day? Previous video exclusive, now here as a standard CTP episode. Thank you all for tuning in. Take care. God bless. Love you all. Welcome to another video exclusive for November. I don't know what video exclusive special number this is. I didn't look it up ahead. I'll need to look it up. I don't know. I don't think I've done any video exclusives because I've had laptop problems, but knock on empty head, right? Knock on wood. Hopefully, prayerfully, they're fixed now. Although earlier today, Zoom collapsed on me, so I was like, oh boy, hopefully Zoom will cooperate now for this the November 2025 video exclusive. And anyway, shut up, let's get going, right? Housing bubble. I'm trying still to get a guest to come on the show to discuss the inevitable in my mind. I'm looking for real estate or a finance insider to come on and the eventual next collapse of the housing bubble. Similar to 2008, but not the same. We don't have the exact same conditions and situations, but there are a lot of similar conditions and uh situations. There will be another housing bubble bursts, and there will be a bunch of people who are underwater in what their house was worth versus what it's really worth. And right, you have a$200,000 supposedly home and a$200,000 or let's say$180,000 mortgage still left on the home, and the bubble bursts and it resets to an actual more realistic value of$125,000. Oh, let's just say$120K, just to make the math easier. Now worth$120,000. What it's been worth really all along, because it was overvalued at$200k, maybe when you bought it, and you still owe$180K. That's a difference of$60K. A lot of those people underwater in value versus mortgage will walk away like they did in 2008, causing the whole additional stuff: the Lehman collapse, bankruptcy, housing bubble, housing costs, housing crisis, whatever you want to call this. Explained. Okay, Trump now announces he's working to help assure the creation of a 50-year mortgage. Well, not really helpful, but hey, it's what can be done without necessary legislation through Congress. The Democrats resisting and blocking us from helping American citizens continues. They will filibuster bills that help Americans. They only want to help non-citizens. The whole shutdown argument, 1.5 trillion more to send hundreds of billions overseas to help foreigners, not money for Americans. Another largest chunk of the 1.5 trillion they were demanding, despite losing the election, for more handouts to cover health care for non-citizens. So we see the difference in who they're fighting for versus who we're fighting for. But housing costs, housing issues for American citizens is the problem here, and what the left keeps blocking will continue to keep blocking. Item one. Left, less choice, government control of everything, government run of everything runs up the cost of everything they control. So, no, 50-year mortgage isn't a solution for most people. It will indebt them more in the long run. It can be more hazardous to them, but it's an option. Just like the interest, uh flexible interest rates, the supposed predatory lending of the before the 2008 housing bubble. No one held a gun to the heads of these people and made them sign the loan. They 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 now, right? The loan cost, the loan uh amount to have to pay to put principal and interest payments down. No one forced a gun to their head for this predatory logic. No one made them sign it. No one. They chose to do it. And then they weren't prepared when the rate flexed up, as we all knew it would, even they knew it would. And if they and when they were underwater, they decided, let's stick everybody, let's stick all the other bank customers, let's stick all the other credit unit customers, let's stick all the taxpayers for the government bailout that would be coming to the financial institutions. Let'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. Some of that's coming again. Some of that is coming again. But so, no, 50-year mortgage, not a solution, band-aid and an option. Because we're about options and choice while we then work for actual policy prescriptions that will address the real problem and fix the real problem. And I've lined out a few like deporting more illegals. That's right. You've got no business coming here. You don't have a right to come here. It is a privilege. We get to decide who we allow in. If you broke in, and as Jesus says in the Bible, those who do not use the door are a thief. They're a thief, they're a fraud. So spare me. You're a fake Christian. Oh, I'm all for there. Should be no borders. No one is illegal. Blah, blah, blah. Jesus says you're wrong. Read your actual Bible. So deport more illegals. There is less of a demand then for houses both rented or purchased. That opens up houses that frees up market, that reduces demand, that lowers prices. One arrow in the quiver. That alone doesn't solve it either. For citizens, rent or buy. That eases the issue. Will help bring down rents, bring down housing costs overall. Yeah, because your landlord is buying properties at big numbers. They have to charge big numbers in rent to pay off the proper they bought. And to cover the taxes the left keep wanting to raise on the property. They've got to cover those costs and the maintenance costs and blah, blah, blah, blah, blah. So, renter or buyer, deporting more illegals will be one solution of the overall puzzle picture. Two interest rates. Kinda keep pressuring. We should have already had more interest rate cuts. We must pressure. We must get Jerome Powell. Once he's up, I think he's up in May. Gone, buy, out of here. Get CTFO, right? Trying to still be G or PG 13 here. GTFO, Powell. Bye-bye. Don't let the door hit you on the hindsight on your way out. Replace him. Get another half percent cut. In interest rates, people who have higher interest rate mortgage can then refi, get their payments down, give them more disposable income for other things. Another part of the solution. Item two, just part of the whole overall picture. Number three, reduce regulations. How about I wrote it down, reduce housing cost zones. Parts, certain areas of the country, like we did enterprise zones. Federal and state taxes are waived if the company builds in the enterprise zone to employ more people. Oh, let's do the same thing with housing builder contractors. Reduce housing cost zones. I talk all the time. Downtown is great, it's beautiful, it's wonderful. If 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. It's expensive, great place if you can afford it. Most of Detroit, however, yes, they've ripped down a bunch of the vacant properties. That's good, but vacant empty land doesn't solve any problem either. We need to set up reduced housing cost zones in old Detroit neighborhoods that have been cleared out. A 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. Reduce some taxes? Yes, of course. Absolutely. Positively. Just like with cars. TinyRL.com slash JLD articles. Tiny URL.com slash JLD Articles. My before's news page. Joseph M. Leonard, J Leonard Detroit. There. You'll have to scroll down quite a bit, but cars, automotive regulations must be reformed now. GM and Ford, not maybe not Chrysler, because Chrysler's not really an American automotive company anymore. But how about GM and Ford be given exemptions, an allowance, a carve out in the laws from the regulations? Please go to before it's news.com again, tinyurl.com slash J L D articles. Have to scroll down ways, but it's there. All right. GM, you get to make a million cars for it. You get to make a million cars a year exempt from the following airbags. A major cost. Federal dictatorial. I'm against government regulations that impose things except for full disclosure requirements. Regulations that demand you disclose what's in that vehicle. Oh, I'm well for. But yes, okay, here's one of the million vehicles exempted from airbag. There's an airbag in the steering wheel, but all those side impact ones, gone. Passenger one, gone. Use your seat bells. If I want, I should have choice. I should have options. If 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. I know what I'm buying, it's what I want to buy because it's less expensive. Less airbags, crank windows, manual door locks. How about some cars potentially with no air conditioning? Cost less. How about some more stick shift vehicles? Less expensive, less expensive options, choice. You can go to the dealership. I want one of those million exemption cars so 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. I want that option. No one is holding a gun to anyone's head for. Forcing him to buy those vehicles, but it should be an option to be able to buy those vehicles for lots. The same bringing it back to housing with houses. All right. So I'm just kind of spitballing concepts. Vague concepts. Those of you in the industry can hash it out and know what I'm talking about and provide the details. A frame. Frames through the whole house. Regulation requires a two by four every six inches. Again, I'm just spitball. I don't know that's the regulation. I don't know that's the code. I don't know that's the requirement. What I'm saying is suspend the usual regulation and the code and allow a builder to say, okay, we're gonna make walls where the two by four infrastructure are nine inches apart rather than six. Still very solid, still very sturdy, still absolutely great, reduces the cost of the overall building, therefore the overall cost of the house. Other things, how about something simple and stupid like this? No painting. You get the drywall interior, and even how about the exterior? If it's standard, you know, it'd be great if there were siding or fake brick or whatever, but how about a standard wooden exterior and you paint it yourself? Same with the inside. We save the cost on the painting. You buy the primer, put it on. You buy the paint, put it on. Now, think, oh, wait a minute, that right if it costs a thousand dollars to have the interior all done and painted in a neutral color, which you're likely to repaint and change the colors anyway from the steel plain blah, white, or whatever beige that's in there. You're gonna paint anyway. So why pay for painting that you're just gonna cover up? Eliminate that. Let the homeowner, now let's just again spitball, let's just say that adds a thousand dollars to the cost of the overall cost of a hundred and fifty thousand dollar home might seem minimal, but you're not thinking through the whole math. So we don't paint it. That house may only cost one thousand less because they're not just paying the painters and paying for the supplies, there's a markup, so you're saving that. So let's say it would have cost twelve hundred, but you get it plain, you're gonna spend a thousand anyway. Well, you let's say you're gonna spend the whole 1200. You know, I'm not saving anything. No, you are, you are bear with me. But if it would have been 1200 with markup and you're gonna spend a thousand to do it yourself, you choose whether you buy cheap or expensive brushes, you choose if you buy cheap or expensive Primark, you choose cheap or expensive paint. I used to work for Kmart, the Martha Stewart Kmart store brand, or pick your brand. Fancy paint painting brand that would cost twice as much. You decide how much you're gonna pay for those sorts of things. But for sake of argument, let's argue a thousand on the cost of the house deducted. You're gonna spend a thousand over the next few months doing it yourself. That's if you're saving on the labor. A thousand, a thousand. That thousand dollars that you would have fifteen, thirty, or fifty-year mortgage on, that thousand becomes fifteen hundred, two thousand, three thousand, five thousand over the course of the loan as it compounds interest. You're saving all that interest. So let's say you're gonna spend a thousand and you don't have the cash, you put it on a credit card. All right, you're gonna pay interest, but for a lot shorter period of time. If you charge the thousand on a credit card and pay a hundred a month on your credit card, pay it off in 11, 12, 13 months. Your$1,000 cost you eleven hundred, twelve hundred, thirteen hundred. That's still better paid off in a shorter period of time than 15, 30, 50 years. That thousand is actually two, three, five thousand over time. You're saving money. Houses are cheaper. These are simple fixes, simple solutions, and no one is forcing you to buy one of those houses and paint it yourself. You can choose to do that if it's a better option and more affordable for you. See, this is simple stuff. The left can't use common sense, they don't know simple. They don't know anything but more government, more government regulation, subsidies. No subsidies either. But how about this? Full disclosure, right? Again, as long as you are fully disclosed, that's what's done. That nine inches rather than six inches between the two by fours in your walls. As long as you've been disclosed that, you have the option to buy or not, no one holding a gun to your head. What about the water, the electric, and the gas suppliers? Well, let's work a deal with them. No, no, no. Not subsidizing them, not stealing from other taxpayers to give to the water company to charge you less. No. Work with them that, oh, government fees waived, government taxes waived, their costs less, they can sell you drops of water cheaper, kilowatt hours of electric cheaper, cubic inches, cubic feet of gas cheaper, savings passed on to you, you get a break. If your water bill, electric bill, and gas bill are all 10% less, guess what? That doesn't help you on the cost of the house, but it helps your budget. You've now got more dollars, you're spending less on water, electric, and gas, you can then get a higher mortgage payment amount and be able to afford to cover it. I'm just so fed up with moronic thinking. Government creates the problems, and government thinks it can solve the problems by throwing subsidy monies at it. That doesn't help, as Reagan said. Government doesn't solve problems, it subsidizes them. And we all pay because it's our money, they're stealing to subsidize other people, their stuff. No, let's cut the cost, let's make more choice, let's open up more competition that brings costs down. This is simple stuff to understand. If you think rather than oh my snowflake feelings, I'm so offended, I'm upset. The government has to do everything. The government must do more, not less. The government must give more handouts, not bother blah, blah, blah, my feelings, my feelings, my communism, steal from Steve to give to Eve and pretend you've done something. No, you haven't done anything. Jesus said to take care of the poor. We are to want to take care of our brothers and sisters, widows and orphans through charity, our own free will, voluntarily, our own blood and treasure helping, having government. Jesus never said, let the Romans create laws to steal, to give to another, and you get to pretend you've done something. No, that's not how it works. Jesus never said it. That's how about you actually read your Bible? The difference between biblical community, free will, voluntary charity versus worldly communism, force, theft, redistribution, right? Everything at the barrel of a gun. You've got no choice in the matter. Big difference. So I'm checking my notes here. So yes, we need reduced housing cost zones, and that will not eliminate no such thing as perfect here. No absolute fix. But all these things I've outlined will help alleviate the problem, help reduce the strain on the system. Help American citizens, not foreign invaders. I saw somebody on Fox say how anti-tax, right? I'm anti-tax, I oppose tariffs most times. But again, what do you want? Trump to declare war on China over economic trade issues? No. Tariff is the tool we've got. I give him grace. I make an exception to my no taxes rule, no tariffs. This nation existed wholly on and solely on import and export tariffs before the 16th Amendment came along. We can do that again. Tariff isn't a dirty word, within reason. Right? And that's the tool we have. Do you want them declaring war on Britain? Declare war on Canada, declare war on France and Germany. Let's go to war with everybody due to economic issues. Since World War II, we allowed others to take advantage of us and tear of us, we didn't care of them, as they needed to rebuild following the destruction of World War II. It's 80 years later. Enough. No, you no longer get to take advantage of us. You are on equal footing as us now. You've long rebuilt. It's time we stop being taken advantage of. It's time we create equal playing field. And tariffs, if you tariff us, we tariff you back. Is fair trade. It's equal trade. It's right fair. I would love free trade, but we need fair trade. Every nation should protect their steel industries. It's a national security issue. Us, England, Spain, France, Germany, everyone should have import tariffs on that and aluminum and tin and maybe even rubber, although rubber items aren't an issue right now, but things that are a national security issue because we must be able to build our own items for defense of our own nation. Same with our allies. So no problem with that. But general consumer items? No. Enough of you taking advantage of us. It made sense we wanted you to build back after World War II. We're 80 years removed. That doesn't apply anymore. It goes back to Reagan. There's nothing more permanent than a temporary government program. That was supposed to be a temporary situation. The left and Sinos and Rhinos, the deep state crowd, once something's in place, oh no, you can never change it. You can never undo it. They're busy making money off the exchanges. They're busy money laundering off the conditions. Times change. Policies have to at times change. And now is time for reduced housing cost zones. Simple, simple solution. Something that could be put in place tomorrow. If not tomorrow, how about next year? It will take a year, two years, three years. You just don't throw up houses overnight. It will take time, the land to be designated, the land to be prepared, the houses to be built, people arranged real estate agencies to then be able to sell the houses to people who want them. No one holding a gun to their head. Your choice to choose to buy at that rate for the nine-inch apart 2x4s rather than the six-inch apart 2x4s. Your choice to paint it yourself or not. Your choice. It could be staved off by a miracle, a decade or two decades, but it's coming. And this will help alleviate that a little also. Hopefully, if we do enough of it, we can stave off the collapse, the bubble bursting again, and let housing prices come down. Reasonable reduction rates rather than collapsing overnight from 200,000 to now you've got$120,000 value. That's when the bubble is bursted and people walk away. There's a bunch of foreclosures and there's chaos. We can work to avoid a lot of that. I tried to make notes before hitting record. I know there's something I'm forgetting. Help the housing problem. And at the same time, help the homeless problem because the more renters that then buy, the more space is freed up to have rents come down, and some that are homeless could then afford the rents and not be homeless. As well as, of course, other zones, right? Relocate homeless people zones where instead of building houses, how about prefab homes? They used to be all over the place. How about trailer parks? I know people, not everyone that lives in trailer parks or trailer park trash. I know people who lived in a trailer park for years, right? I had the episode with I forget her name, but trailer park angel. Just recently, during book weeks, she was on trailer park Angel. Not everyone lives in a trailer park is trash. How about trailer park zones? Inexpensive housing. Not the most ideal, but hey, you got a kitchen, you got a bathroom, you got a bedroom, you got a living room. It may be small, but you got your own place. Inexpensive, we can move people into that they could afford, less homeless people. These are simple solutions. The government leftists don't know simple. They can't kiss in on simple. They want to extort money from you, launder most of it into their pocket, and then pennies get to other people that doesn't solve anything. This doesn't necessarily solve everything, but it helps a whole heck of a lot while the left keeps blocking it. They want to help invaders, they don't want to help U.S. citizens. All right, yeah, again, ramble again. Thank you all. Take care. God bless. Love you all. Sorry, I'm sure I'm forgetting things. Hey, chime in in the notes. If you've thought of a regulation or a corner that could be cut in a house without destroying overall structural integrity and safety of the house, I'm not saying, oh, let's sell houses about roofs on them. Come on, come on, right? You put your own roof on. We're not talking that kind of stupid, but we're talking little things. What could be cut? How about less two-bathroom houses and more one-bathroom houses? Again, may not be ideal, may not be preferred, but it's a lot less expensive to be able to afford. How about slightly smaller living rooms? Slightly, we've gone. The old days families of 12 used to live in a four or five-bedroom, two or three-bath, you know, McMansion, we might call them today, uh, in Wineat, downtown Wingat. We've got a ton of those old homes, historic labels. A family of 12 lived in that house that's not very big. The bedrooms were all small because they were just meant to sleep in them. They don't need to be huge, mass bedrooms. You want bedrooms as big as people's living is my living room. This house I'm in, my grandfather got an exemption in World War II because he worked for the Ford Rouge bomber plant. Got exemption on the rationing to be able to build this house. A lot of people's bedrooms are bigger than the living room I'm in right now. How about we reduce the size, make them more affordable? How about we learn to be reasonable and say, I don't need a 1,500 square foot living room with cathedral vault ceilings and humongous, you know, uh almost church like shaped, fancy shaped windows. Simple square windows with simple double pane glass, workable windows with screens. Let's learn to be a little less entitled and expectant on so much overly fancy stuff that's nice. Hey, to show off to the neighbors keeping up with the Joners. Look, I'm in a McMahon. I know. How about smaller, reasonable, practical, practical homes being built so people can actually afford to live in them? Okay, let's try that again. Oh, the green screen is acting up. There we go. Let's adjust that a little, and the sun is shining in. So I think that's kind of probably what's causing that problem in that upper corner of the screen. So please don't look there. Uh, I had somebody supposed to interview for the show. They were a no-show. Uh, so I went out to grab something for lunch. While out, I had on what was the Charlie Kirk show, is still but the night dynamic, less than dynamic duo currently doing the show. We're talking about DeSantis now talking about either reducing or eliminating property taxes. And one of the things one of them said as pushbacks, they don't want to eliminate property taxes. Oh, well, 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 some notes, but he he was saying, you know, seniors are among the wealthiest of them. Oh, okay, so okay, AOC, tax the rich, huh? And they're not wealthy. They may own a house that on paper is worth$250,000, but that doesn't make them wealthy. It's only worth that if they sell it. And if they sell it, they gotta live somewhere. Everything else costs as much. Unless if you find some, you know, but again, I have a friend 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. So they sold their couple hundred thousand dollar home here in Michigan and went and bought where the cost of living is a lot less, a home outside of Atlanta for half that, pocketed that difference and lived off her salary down there. They're doing well because the cost of living is far less. So, yes, there's a lot of things that factor, but are they wealthy? Were they wealthy selling a$200,000 home? No. Wealth on paper doesn't mean you've got money. At any rate, property tax. Because I have done a show, I think it was Darlene Hennessy was a hat on, talking about the move to eliminate property taxes in Michigan. So I want to address Mr. AOC, tax the seniors because they got money. He's young, he doesn't have anything of real value yet to hell with them. It's all about him and only him. Let's deal with that. How eliminating property taxes helps everybody, not just one sector or the other. Even if you don't own a property, it helps you. But the Charlie Kirk wannabe that is nowhere close to being Charlie Kirk doesn't think. He's a snowflake. You know, his feelings and all about him. What about him? Oh what about him? All right, what let's deal in the whole thing as best we can. Your mileage may vary, your region may vary, right? It all varies a little. But first, property tax itself. As someone on disability, and yes, in a home that has no mortgage on it, I'm still extorted taxes at the value they claim it's worth. Not what the house was built for, not what it was worth before, not what it was worth when I obtained it, but whatever they say, the inflating, and you could check before it's news.com. I've got a piece on housing prices and how to fix the issue of affordability so people can actually afford to buy a house like this young person. Who, if 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? Uh you don't care that mom and dad are being extorted property taxes because you're living for free. But anyway, right, that aside, everyone's specifics are different. But my property taxes keep going up and up and up and up and up. I can't afford them on my disability budget. I'm extorted money for property I supposedly own, but I have to pay rent to the state for the courtesy of living on the property and under the roof that has been paid for already? Okay, so that's my situation. Unlike him filling in on the Kirk Show, it's not all about me. It's not all, right? What about my neighbor who's working, younger, still working, right? Recently bought the house next door at a inflated value, has to pay property taxes while still paying a mortgage and paying insurance on top of that and all that, right? Helping her by reducing, if not eliminating, the property tax is a benefit to all of us, also. Our entire community gives her more money to spend where she deems her dollars that she earned should be going, not where the state decides to steal it and redistribute it to. Okay? I if I was there would I ask this young kid, all right, you don't own a home? Well, are you renting? Question, do renters pay property tax? The answer is yes. Duh, the person who owns the property from which you are renting is extorted property taxes from and that is passed 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 you're young and you're living in mama's dad's basement. You don't care at all then about your parents being extorted money on property they may already own, fully paid off for or struggling to pay the mortgage on because the property taxes, their mortgage may have been fixed, but their property tax keeps going up. And guess what? If you have a mortgage in most states, the bank must escrow the estimated taxes in their bank payment. So their payment may go from$2,500 a month to$2,700 a month to continually cover the growing up, up, up, up more theft in taxation on the property they own. That's only worth the forsake of argument, quarter of a million dollars if they find someone who will buy it for a quarter of a million dollars. And then what? All the other homes in the area are probably a quarter of a million dollars, unless it's like Fred, they move to Atlanta suburbs and buy a home for half the value to have some extra flexible actual cash in their pocket, they're spending$250 on another home. It's a wash. There's no gain there. But yet, this young, dumb person who has probably never had an economics class, and of course, since they don't teach civics and history in school either, doesn't know any of that, any of this, doesn't understand any of this. So you eliminate the property taxes, you help a whole lot of people, not just seniors, but you're okay with seniors being kicked out of their homes because they can't pay the extortion to the state, even though they own their home. So their home is seized and them kicked out on the street. And this guy apparently has zero issue with that. This isn't about our feelings, and it isn't about us and us alone. Okay, I covered rent, I covered seniors, and the other, right, schools. Right? Oh, I gotta grab up. Pardon me, I had to pull a Marco Rubio there. Schools. We fund schools and park by property taxes. What are the schools gonna do? What is a part of a child rent gonna do? Oh my god, you can't take away the funding part of schools. You fund them another way. Lottery, that's a voluntary tax. Trillions upon trillions upon trillions of dollars every year taken in by lotteries all across this nation, and trillions upon trillions upon trillions of dollars then funneled into the school, trillions more than we used to spend. And education is so great, it's so much better because we're spending so much more money, right? Wrong. Money isn't the problem or the issue there. We spend more, the education gets worse and worse. So your money argument about funding the schools is bogus. That is another show to talk about proper funding and what should realistically be the funding of schools. And yes, at the Liberty Beacon.com, I have school reforms. Uh school reforms needed now as well as election reforms needed now. Peace at the LibertyBeacon.com. Go there for that, right? I don't want to get too deep in it. But the point being, there are other mechanisms other than just property tax that money can be gleaned to fund the schools. I don't want to go on and on forever in this. Fire and police. All right, okay. What if you own a home? If someone trespasses and steals something, you want cops to show up, take a report, and detectives to track them down and get back your stuff. Yes. If there's a fire, you want a fire department to be able to show up and put out the fire. Yes, that's communism. Okay, we all accept that degree of community policing and community fire protections. We understand that. So you can reduce property taxes by a whole lot and still cover that. All right. Here's a thought. If we're gonna agree, government can and could and should do some things like police and fire. We can't all afford and all shouldn't be left to fend for hiring our own private security and hiring our own fire force, right? We agree as Judeo Christian founded nation, that level of community function is indeed shared by all and paid for by all because it benefits all. But here's a thought. How about instead of taxing people's supposed value of their home, what is the cost of the police force? What is the cost of the fire departments? That takes that money divided by the number of homeowners or property owners, commercial to whatever, and send them a bill for whatever their portion, their share, their real cost of that is. Right? Okay, and if you want to cling to your oh no, we gotta soak the rich, all right. If someone who has a half acre still needs the police and fire as much as someone who has five acres. But if you want to do it, all right, divide it on a per acre cost. You have a half acre, this is how much you pay. You've got five acres, it's this much an acre times five. You pay that to cover the cost, not based on arbitrary value, which fluctuates up and down and all around, may or may not have anything real to do with the actual value of the house. And it's only worth that if you sell it, if you buy a house and you plan on living there your entire life. That arbitrary value going up, unless if you're gonna borrow against that equity, means zero to you. Zero. Absolutely zero. It's a negative to you. The value of this house keeps going up. I'm not selling it because I couldn't afford another place. The value keeps going up, the property tax keeps going up. Why? If I'm supposed to pay for fire and police, then cut send me a bill for exactly my proper share of it. Not arbitrary tax on an arbitrary number that is meaningless really to the value of this property. Because it's only worth that if someone's willing to pay that, and it only does anything for a buyer or a seller if the property's actually bought and sold and bought. All right. Lastly, I wanted to touch on sales tax, and all of this is to show the Charlie Kirk wannabe, way fall short, non-thinker, emotional snowflake. Like, I'm I'm talking general numbers here. I threw out some for instance numbers. Again, the numbers are gonna vary everywhere, but sales tax. Also, a lot of places, some of the sales tax goes to the schools. Well, sales tax, I'm as anti-tax as they come. Sales tax is the most reasonable tax there is, and here's why. You have options, you have choices, your wages aren't being confiscated, you get to keep that. Your home, your property isn't being charged rent for something you already own. But a sales tax is a transactional tax that happens everywhere on a daily basis. Let's talk about a car, right? Go out and get a$50,000 car. If the sales tax is 10%, that's another$5,000. And if I can't afford the loan for$55,000 to cover that, well then guess what? Instead, I can choose a$40,000 car and the$4,000 tax,$44,000 financed is far less than$55,000 financed. Right? You buy a TV. Oh, hey, you've got to have that big new 80-inch TV. Well, guess what? At cost more, maybe with the tax, you can't afford that. But then you could buy a 50-inch and afford the tax, right? That you have give and take on. So a sales tax, if we are to transfer some of what is collected in property tax to sales tax, makes more sense. Again, I'm as anti tax. Taxes they come. The problem is not taxation, it's spending. Cut the spending. Get government out of things they're not supposed to be meddling in. Cut the spending. Cut the taxes. Let people keep their own money. Like, for example, I'm on disability, so I can't afford a$4,000 car, let alone a$40,000 car, because of course, then there's the registration fees and the driver's license fee. And of course, all the state regulations that insist that the insurance company has to charge me for these things, whether I need them or not. And of course, the law states I must have insurance to have the car on the road. So my car I own still costs me monthly for the privilege of being able to put it on the road. But again, when I was working, I had a great salary at the time also when I was married. My wife had a great salary. We had nice things. I like nice things. I'd love to be able to have a bunch of nice things. I can't afford them. Right? We bought a Chevy Avalanche way back when. A$40,000 truck then, they don't make the avalanche anymore. The Escalade, I think, is a sixth, the Cadillac version is over six figures now. A$40,000 truck, but I had a good job. She had a good job. We could afford that and afford the sales tax on top of that. If we couldn't, then we could have bought a Chevy uh, oh, we had one of those S10 instead, although I don't think they make those anymore either. But you have options with sales tax. You can adjust what you buy to take into account and factor in sales tax. Now these are my notes. You can see prop for property rent, seniors, schools, fire police, sales tax. I've touched on each of them, but while I was in the car driving home, getting ready to record this and making these notes, more things went through my head. But the point being, this isn't just an issue for seniors. And it doesn't destroy completely school funding. So spare me that. And again, that's a whole other issue. Continually throwing money at the schools and getting less value out of the schools is not the answer for that either. We must have serious, thoughtful thinking, logic, reason, common sense, involved conversations, not like that guy. Oh my god, my feelings. What about me? Me, me, me, me, me. No, it matters is my situation. Right? And again, yes, housing bubble, probably gonna burst again. We're gonna see 2008 all over again. You have a house supposedly valued at$200,000. You've got a$150,000 mortgage you're paying on it. And guess what? The bottom falls out and it goes down to a value of$100,000. You're in the hole. A lot of those people are gonna do what? Like in 2008? Walk away. Because they're underwater in their mortgage. They just walk away. Even though they signed the bottom line and agreed to make those payments, they're just gonna walk away and those homes will be foreclosed upon. I forgot where I was going with that. But again, yeah, these are how, oh yeah, housing. Before it's news.com, tinyurl.com slash JLD, short for JLunner Detroit articles. Tinyurl.com slash JLD articles. And give me a second, I'm gonna toggle over to my Before It's News page. And that article in the blogging slash citizen journalism category of Before It's News is called Real Solutions to Problems rather than more government dictates, subsidy handouts, etc. for a change. Housing crisis addressed. So please look at that too. I don't go into the property tax thing, but please look back in the CTP archives for the show. I do talk with, I think it's Darlene, about the movement to eliminate property taxes here in Michigan, as is happening in a whole lot of other states. And all I've laid out to you must be factored in. Taxation can be moved about and shifted about, but how about we stop spending government monies on things the government constitutionally is excluded from doing in the first place? Then all these taxes can come down. Thank you all. Take care. God bless. Love you all. Like and subscribe to Christitutionalist Politics Podcast and share episodes. We need your help. Thank you for having tuned into another Christitutionalist podcast show. I really appreciate that you stop by. Again, please like, share, subscribe. We need you to help spread the constitutionalist movement. Thank you again. Take care. God bless. Love you all.