Nothing will motivate a man to move forward faster than knowing what's behind Him.

Archive for February, 2014

Lawmakers are idiots

The oath of office contains a phrase “uphold the constitution”.  well it seems that once in office, there are efforts made to make end-runs around the constitution.    If lawmakers would have upheld the constitution, there would be no need for the voting rights act.  Oh and by the way, every citizen have the right to vote, It makes no mention of any criminal status past or present.    According to the constitution, the only way to keep a person from voting is to take away their citizenship. 

If you look back at  laws in the past  and at laws today, you may well wonder what were they thinking.  It’s not rocket science, but it seems complicated for Lawmakers.  Let’s take  the law against interracial marriage.   Instead if repealing this law, those idiots defined marriage as being between a man and a woman. Now, instead of repealing that law, another law is being pass to accommodate same sex marriage. 

NOTE:  There was a thing called common law marriage, you only had to live together for a couple of years and the deed was done. There was no mention of gender.   Or, you went to a preacher and if he was so inclined, you said your I do’s and that was it.    The government got involved and dangled some marital  benefits (at tax payers expense)  in front  of couples, which led to institutional marriage.  And, like any other institutional organization, you have to have a license.   Now ain’t that romantic. 

Another law is the davis-bacon act.  All that was needed was to repeal the davis-bacon act and there would be no need for affirmative action. Four  Presidents since and including F.D.R being the first, has  temporarily suspended the davis-bacon act.  Other presidents to suspend the davis-bacon act was Nixon, Bush #1, It stayed suspended until Slick Willie reinstated it.  Bush #2 suspended it also.   Don’t take my word for it, look it up.   The Lawmakers will legislate around a law instead of repealing it.   Repealing would eliminate the need for lawsuits and more legislation to clean up the mess.  In the beginning, affirmative action was only to apply to government  jobs, but those idiots felt the need to include schools, colleges,  and anything they could add to botch up it’s intended purpose. 

In 1965, President Lyndon B. Johnson issued Executive Order 11246 which required government employers to take “affirmative action” to “hire without regard to race, religion and national origin.  In 1967, sex was added.  No where in  it did it stipulate a requirement that  government employers  hire unqualified applicants.   There were provisions put in the davis-bacon act specifically to discriminate against Blacks.   There were skilled carpenters, brick masons and plumbers that migrated north  from  southern colleges.  They participated in building programs much like Carter’s Habitat for humanities.  They actually had to help build homes, business buildings and the like to graduate.  It was nothing more than protectionist legislation in favor of the less skilled northerners.  They later formed unions that excluded Blacks. 

These idiots do not formulate and pass legislation to solve problems, they are intent on dividing us and stirring up controversy. If we are fighting among each other, we are not paying attention to what they are really doing.  I use to go hunting with my daddy.   We had several beagles.   At the end of the hunt, he would have his bag limit.   He would always throw one rabbit in amongst the dogs.  They would fight over that one rabbit.   I asked my dad why he gave them only one rabbit.   He said,  If I gave them all they want they would be satisfied.   He also said “as long as they are fighting each other, they won’t turn on me”

If a legislator only served for one year, I think they would do a better job.    The time span of six years tend to cause voters to forget.

Fat and Stupid

With The legalization of marijuana, privatization of the sale of alcohol and the genetic manipulation of food, one would think there is a concerted effort to keep us (among other things)  fat and stupid.

Gun Rights and the Constitution

The Second Amendment (Amendment II) to The United States protects the right of individuals to keep and bear arms.   There are no conditions laid out or any limitations in this amendment.   There are no stipulations about mental capacity or criminal history.    So, either change the constitution or stop violating the constitutional rights of American Citizens.  The Judicial system can render opinions however, it takes both houses of congress and the president to sign,  to change the constitution and individual individual states has to ratify it before it becomes part of the constitution.  Do not let anyone, any group or any political party violate your 2nd amendment or any of your  constitutional rights, it will only lead to a corrupt society in which it’s citizens will fall victim to an elite few.  The politicians will pull at your heart strings knowing full well that this is how it is done.  Don’t be fooled by judicial opinion.   The Supreme court can not change the constitution.   

Home “Buyer’s” Beware Part III

It’s A Racket!

If you remember the housing bubble, then you should remember when it burst.  Well get ready for the Housing Bubble Burst Part II

The Property

This is not for the property investor/flipper.  It is intended for the first time home buyer.  The buyer that is intending to make a commitment, an investment and intends to live in their home for the rest of their lives. 

This is an investment for a life time, covering up to 30 years.   You want to take your time, this is a commitment second only to marriage.   You want to look, get the feel of and imagine the potential.    You want a good location, well built and strategically appointed rooms, bathrooms and windows.    Don’t allow your agent to down play the flaws.  Here are just a few things to look for.   broken or cracked windows, lose hinges on doors and cabinets,  lumps in carpet, uneven floors (bring a basketball or soccer ball),  counter tops out of level,  check above the corners of windows, if the house has settled to much there will be a crease on either or both sides.  The entry doors will also reveal this defect. 

Check the driveway, if it is cracked, it’s only going to get worse.   check for discoloration in the ceiling, this will sometimes reveal a leaky roof.   Use a circuit tester to test the wiring. If it has a three prong outlet it should be grounded.   Insure that the wiring is done correctly on each outlet in every room.   Be vigilant on renovations.  Most garages will have gas furnaces and water heaters.    If a garage has been made into a bedroom or family room, insure that any gas lines has been totally removed.   some renovators will only cap off the gas lines which could result in future problem leaks.  If a home has been switch from gas to electric, insure that the gas has been capped outside at the meter. 

Flipped houses

These houses are bought at auction for as little as $10,000 and sold a few months later for upwards of $200,000 with little more than carpet,  paint, appliances and maybe some carpentry work.    These houses are listed with the highlighted attribute “New Carpet, cabinets, appliances, paint inside and out.”   As with anything, you are going to have the can-do’s  and also the can’t even if they tried.    Be careful with these properties.  They are  more of a cover up than a fix up.     Mildew is sometime covered up with paint only to be revealed in a few months.   squeaking floors are repaired by drilling in screws to quiet the squeak.   Most of the time it will make the floor even.  wear soft bottom shoes to get the feel of the floor.  

foreclosed home

For what ever reason the home owner no longer was able or wanted to continue living or paying for the house.   In many cases they were over extended from the beginning by over paying for the home.    You want to be able to make the payments, maintain and make improvements over time.  If all you can do is make the payments, the property would soon result into blight.   Usually sold as-is.

Short Sale

This home has more owed on it than it is worth.   This type of sale will require a third party approval and sometimes more.  Often times it will also have a second or even a third mortgage.  It will usually take longer to close on a   sale of this nature.  It is not worth the hassle.  Usually sold as-is and not worth the asking price and will have to be approved by all parties involved and it only takes one disapproval to squash the deal.   This hassle is not worth it….Run!!!

The bait Homes

These homes are put on the market solely to stimulate the market and flush out any potential buyers.  These homes are usually under priced and in immaculate well kept condition.   The old saying “If it seems to good to be true” should be well observed.    I don’t think that there is a law anywhere that say “If you put your home on the market, you must sell it”.   Open houses are mostly stages that are put together to gather info on potential buyers.    It’s not to far fetched to imagine a home owner receiving  compensation to stage such an event.   Whether it is really for sale or not, these bait homes are out there, be mindful of them and just walk away.     Because, if you manage to  get an offer in, it will be countered with a stipulation that even a 1st year law student would advise against.

These homes are sometimes advertised as “Bank Approved”.  You should know that if you are getting a conventional loan, your bank will have to approve it. As every bank has their own approval standards.   Your bank  will not give any credibility to the approval of another bank.


In ‘flopping,’ a home is purchased by insiders at a steep discount, then immediately sold for a big profit.

After the Deal is closed.

While looking at you perspective home, you imagined the improvements you will be making.  Well, not so fast.  While you creativity may get the best of you, there are those who are chomping at the bit to take advantage of you.   The covert actions of those will no be apparent until it is to late.

While choosing the home you want  the payments and taxes you are able to afford, you will need a lot of wiggle room.   Those predators don’t really care if you are a in a home or homeless.   They just want your money, and by hook or crook, they intend to get it.

There is a thing called market value.  This is the value that real estate companies will put on a house.   There is  True value of the house, the value that it would take to replace the house.    THEN….there is the taxable value of the house.   This is the value that the county auditor will arbitrarily place on your house/land.   This value is the amount that the county will use in the (X tax rate) equation to calculate your yearly taxes.   Not only do the tax rate increase but also the taxable value can increase.  The taxable value can be lower  (not likely) or can be substantially higher than the actual market value of the house.   There is a case where a house was listed at 169,500 and sold for 154,000 and within 3 years, a popular online real estate listing had that same home for over $250,000.  During that same time, the county auditor had increase the taxable value $50,000 higher than it was at closing.   This was without any improvements made to the property other that mowing the yard and trimming the trees.    Needless to say that the hopeful would-be owners would not be able to afford to pay taxes on a taxable value of 250,000.  This tactic is used to keep homes in rotation.  Especially in areas where home building is low and cities and towns are blocked in and can’t expand.   When this happens,  Houses are torn down and condos are put up to increase the tax base at the same time abolishing affordable housing.

When your home value goes up, your insurance goes up, your taxes goes up and your payments goes up.   So that budget you were working on before you bought the home, just went out the window.

This is a system designed for you (the working class) to fail.  It’s a RACKET!…..

To Be Continued……….But you should be getting the point by now.

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