Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

Coach Mitch’s REFLECTIONS

I was cleaning out my Inbox when I saw an email from a client that I had missed. It bothers me that I missed a communication from a client. It galls me when a person or a company does not respond to me immediately. Therefore, I try hard to respond quickly. Good manners go a long way in showing the kind of person you are.

My answer

Barbara,

I am aghast!  I just saw your email this moment.  I’m sorry it has taken so long for a response.  In the future, if I have not answered by the following day, then email me again, or call.  A one month delay in answering is not acceptable.  I wouldn’t accept it, you shouldn’t either.

_____________

You wanted to know what it would take to do this program.

Barbara, your success will be directly tied to how well you and Richard are able to associate with the folks in trouble.  That means you will have to learn how to manipulate people’s emotions.  This often comes down to being genuine and empathetic.  Example:  The ‘formula’ or ‘script’ I used to answer your email was:  acknowledge, apologize, resolve, and emphasize.  This is empathy with a purpose.  This is a version of my favorite sales technique, Feel, Felt, Found.  Google it.

Please do not view my answer with cynicism.  I am trying to give a real world example of how to deal with people.

The first thing is to acknowledge their situation, then show some level of contrition or sadness or astonishment that the situation exists; then provide some good information, and then follow-up.  It will seem Machiavellian to some, but we manipulate all the time.  To manipulate for the benefit of creating a win-win situation is good manipulation.

The sellers are in a bad situation.  No one has helped them out of their bad situation thus far.  Are they better off if you leave them alone, to continue in their bad situation; or are they better off by moving on with their lives, even if their emotions have been manipulated a bit by you.  They win, and you win; win-win.

Yes, this business can be done.  It is being done every day, by others.  Your success will be in direct proportion to your sales ability.  Please do not think that because a person is in trouble, that they will accept any offer.  That is not the case, not at all.  Folks in trouble cut their noses off to spite their faces – all the time.  That is how they keep their self esteem.

In order for these folks to sell to you, with the terms you want, you will have to be seen as a friend, as being trustworthy, someone who will go the extra mile for them (the sellers.)  The price or the terms you offer have nothing to do with how the sellers will view you.  “Your policy is to offer a certain amount.  You’re sorry, but that is all that you can do.  You would love to give them everything that they want, but you can’t.  If you made an imprudent purchase, then you would be in a bad situation yourself.  You want to help, but you must be prudent.”  Doesn’t this sound like you are good business people and trying to be considerate at the same time?

The other guru’s say there are motivated sellers in the marketplace.  They intimate all you need do is to show up, and somehow, miraculously, the seller will give you the property for a song.  Not so.

The reality is that only 20% of salesmen make a good living. The other 80% have the same prospects; however, they do not elicit the same response from the prospect as the most successful 20%.

The reason for the coaching is to help you become the salesperson that you need to become.  Please contact me with any sales situation where you would like some help.

Be genuine,

Mitchell Goldstein – Coach Mitch

518-439-6100 until midnight EST

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

Coach Mitch’s REFLECTIONS

The other day I sent a follow-up email to several persons who had contacted me. Here is a response.

Hi Mitch:

It is great hearing from you. I would love to chat some more.  I was not expecting to hear from you out of the blue like this.

I will try to be short and concise. I tend to be verbose I realize.  In regards to real estate, my mind does tend to change quite a bit.  I think I have felt at times, and at times come to the conclusion that real estate is not for me because of my aptitude and psychological makeup.

My answer -

It is good to hear from you again, though I am sorry that you are feeling less than sure of your ability re real estate investing.

You did not say that REI was bad, but rather that you might not be good at REI. That is a significant difference.

Might I suggest a confidence building measure? Find a mentor. A mentor in real estate investing would be best, but any mentor will help you overcome fear and pursue your interests.

Join a REIA, Real Estate Investor’s Association. Travel if you must, but find a group. This is a wonderful way to find a REI mentor. I did.

A “mastermind” group is the next best way to get serious help, encouragement, and insight. The REIA might have them set up. The Chambers of Commerce often have “mastermind” groups. Set up a one person business, pay the fees, and join in the fun. You could also go onto Craig’s List and ask if anyone wants to join a “mastermind” group.

If you have any REI training sets, you could just delve into it and do what the guru says. Just do it, even if you fail. In failing, you will have learned that you had the strength of character to try, and that you survived; therefore, you can try again.

We are all insecure. Some of us are brave enough to face the fears, and sometimes we win big. I trained a very insecure individual. We practiced what to say, what the expected responses would be, and we practiced our answers to the response, etc. We practiced entire conversations. In this manner, the student felt prepared, and therefore confident that he could approach a seller and know what to do. No matter what the seller said, the student knew what to do to counter. In his very first attempt, the student, with only $1, optioned a restaurant worth $1.6MM. Amazing!

Find help now, or feel sorry that you didn’t.

Regret is a terrible thing.

+++++++++++

Another conversation

Recently, I had a similar conversation with another would be investor. He is single, 38, insecure and lonely. The conversation turned to woman. He said that all the good woman were taken and that he can’t find one, especially a pretty woman. Usually the woman say that all the good men are taken.

Having Nerve

I had never thought about it before but, in my single days, I had always only gone out with very attractive woman. I married a beautiful woman. I’m not kidding. She stopped traffic. We’re together for 35 years.

Now, if you look at my picture, I’m no Brad Pitt. So why did I only go out with very attractive woman? The answer - because that is who I asked out. If you only ask out beautiful woman, then, some of them will say, “Yes.”

I remember one time I asked out the prettiest girl in school. She turned me down. While I was asking her out, the second prettiest girl in school walked up and listened to our conversation. Embarrassing. Apparently it got around school, because later that day, a friend teased me about it. I said, “Yes, I do like her. At least I had the guts to do something about it.” That shut him up.

I relayed these thoughts to the fellow and he understood that “having the guts to go for it” was a necessary part of life, achieving success and having some contentment. But, it is smart to go where your interest is, because that is where you will find it.

Narrow the field

I have said it before, dealing in tax delinquent property is a way of narrowing the field. You are only speaking to folks who are in trouble. That is why they are not paying their taxes. All you need do is talk to them, and see if you can help the situation.

+++++++++++

Coach Mitch’s famous $1 Option is the perfect vehicle to take control of property. An option gives you all the benefits of real estate without any of the responsibilities. My option has several unique traits that make it very powerful. The best part is that clauses are worded so that the seller sees the words but doesn’t realize its consequence. Even lawyers have no objections.

G-d bless,

Mitchell Goldstein - Coach Mitch

518-439-6100 until midnight EST

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

Coach Mitch’s REFLECTIONS

Michael Rady worked at the docks for 15 years to pay off the mortgage on his Cleveland home.

But when Mr. Rady was injured and could no longer do physical labor, he couldn’t find a job and had to live off savings and credit cards. Soon, he owed Cuyahoga County close to $8,000 in property taxes, and the county treasurer sent him a foreclosure notice: His house would go to auction in February.

Nationwide, many counties and cities faced with declining revenues are turning to tax foreclosures — when a homeowner is evicted due to unpaid taxes rather than an unpaid mortgage. For the most part, local officials see tax foreclosures as a necessary evil. But in some cases, tax foreclosures appear to be spiraling out of control, threatening the health of cities. Cuyahoga County, for instance, has recently reversed course and imposed a moratorium on tax foreclosures for the first time since the Depression.

In pursuing tax foreclosures, "We’re lowering the prices [of homes] and contributing to wealth destruction," says Treasurer Jim Rokakis.

It can be a wrenching decision. One Maine town is allowing delinquents to stay in their property penalty–free to avoid throwing people out of their homes. But, in many cases, local politics rules the day. Tax foreclosures are most common in municipalities where treasurers are appointed.

"If you’re elected, are you going to foreclose on people who voted for you?" says Kathleen O’Donnell, a tax–title attorney in Boston.

Historically, tax foreclosures rise when mortgage foreclosures do, says Nicolas Retsinas, director of Harvard University’s Joint Center for Housing Studies. Typically, delinquent residents pay off back taxes by selling their house, but that can be hard in today’s housing market.

No one currently tracks tax foreclosures nationwide, though a new nonprofit called the Center for Land Reform in Flint, Mich., was started last year for that purpose.

Anecdotal evidence from across the United States suggests that tax foreclosures are rising.
Tax foreclosures are up in three–quarters of Washington State’s counties, says Bob Lothspeich, president of the Washington State Association of County Treasurers.

In Michigan’s Ingham County, where Lansing is located, the number of people who face tax foreclosure almost doubled, from 822 in 2008 to a record 1,506 in 2009, says Treasurer Eric Schertzing.

Shirley, Mass., reinstated tax foreclosures after cuts in state aid forced it to lay off more than half its firefighters and shift town employees to a four–day workweek. The last time Shirley made tax foreclosures was 50 years ago. Now, 130 taxpayers in a town of 7,904 owe more than $1.3 million in back taxes and interest, some going back to the 1950s, says Treasurer Kevin Johnston.

"We’re going broke," adds Shirley selectman Enrico Cappucci, who supports tax foreclosures.

In most jurisdictions, people have several years between defaulting on their taxes and facing eviction. In Washington State, taxpayers have to be delinquent for three years. In Massachusetts and Michigan, it is approximately two years. The rules vary by state, county, or city.

Millinocket, in central Maine, does not evict anyone. The number of people who lost titles to their homes because they did not pay their taxes doubled or tripled in recent years, says Town Manager Gene Conlogue. But the town did not throw anyone out.

"We have a policy that requires them to pay rent, but we generally waive that," Mr. Conlogue says. "We’re not trying to add to people’s problems."

Neither is Mr. Schertzing of Michigan’s Ingham County. But tax foreclosures are necessary, he says. The best he can do is making it gentler than a mortgage foreclosure. "I go to some of these homes, I knock on the doors, and I talk to the families," he says.

In Ohio’s Cuyahoga County, sheer numbers preclude that approach. The county prosecutor filed 2,000 tax-foreclosure cases in 2009 — a 400 percent increase from five years ago. Tax foreclosures in the county accounted for 13 percent of all foreclosures.

This year, the prosecutor expects to file some 2,400 cases.

But delinquent Cuyahoga County home–owner Rady and 160 other residents set to have their houses auctioned in February have gotten a temporary reprieve. Treasurer Mr. Rokakis instituted a six–month moratorium on tax foreclosures a few days before Christmas. "Adding more foreclosures to the thousands of properties that have already been foreclosed is not helping," Rokakis says.

The decision made Rady, who lives on Social Security, feel "somewhat relieved." He has to raise $8,677 in six months. "I don’t know how much I’ll be able to come up with," he says. "I’m going to try."

=========================================

What does this mean for you? Well it is simple. Right now in 2010, you may want to look at towards investing in Tax Foreclosures. You can contact your local courthouse and get a list delinquent properties that have not paid their property taxes on time as well as the date for the auction that these properties will go up for sale. You can bid against the others seeking a good deal at the auction OR you can use Coach Mitch’s “Ridiculously Simple System…” to contact these tax delinquents and do a deal with them well prior to the tax auction.

Best of luck

Coach Mitch

Mitchell Goldstein

518-439-6100 until midnight EST

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

Coach Mitch’s REFLECTIONS

You may recall that I am involved in local politics. I ran for County Legislature in 2007. A local town board candidate stopped by last night and asked for some input. The ideas expressed are my own and might be implemented at the local, town level.

Fred,

It was nice speaking to you. This is in response to your request for a few ideas to be used on the campaign trail. See the info re American Solutions. http://www.americansolutions.com/

Taxpayers have never been more ready for some common sense talk that offers some common sense solutions. Every suggestion creates some opposition, but creating the trend toward downsizing government and spending restrictions is the important factor.

Some ideas or themes for your upcoming debate:

Government is ‘big business’ and it should be run that way, using good management principles, seeking higher quality, at lower costs, with greater effectiveness.

Each government program must be necessary. We cannot cut off funding completely for almost anything because it would be like a heroin addict stopping ‘cold turkey.’ However, a phased withdrawal of unnecessary programs will work. Reductions should be ongoing until only ‘necessary’ expenditures are in the budget. ‘Necessary’ is to be construed narrowly and determined in an ethical manner, and not within a political construct, which would be closer to defining ‘necessary’ as a term of art. In other words, the standard is to be truthful, and to not be politically manipulative.

The guiding principles should be: Whom do we serve? What do we value? What do we want to achieve? How do we go from failure to success?

Create a permanent, independent committee for the sole purpose of rooting out wasteful spending. This effort will automatically lead to rooting out abuse; an area that will show how the Democratic Party has manipulated spending. Republican abuse will be apparent also, however Democratic abuse is current.

I would love to have the town charter amended to include the elected Office of Public Integrity. The public could then vote for the person they think would be the best defender of the public’s interest. The fact that 33% of governmental budgets are waste, fraud, and abuse, proves that the current system does not work. TARP is only the latest, good example. Were I at the Constitutional Convention, I would have proposed this idea as the 4^th full branch of government. This is the only way to effectively, “bind them with the chains of the Constitution” as Jefferson said. This pre-supposed a Supreme Court that wished to be bound.

Increase coordinated volunteerism with tax breaks and incentives. Volunteerism is the least expensive way to provide services. If we can give incentives to Wal-Mart, we can give incentives to volunteers. The volunteer firefighter’s incentive program is one model, although not nearly good enough. The towns’ Senior Program is doing a good job and is a good recruiting model. A local coordinator was hired at about $42K and she has found 250+ volunteers whose total volunteer man hours were over $350K, equal to 12 fulltime employees. WoW! Get current numbers from them

The town’s Library taxes as much as the Highway Dept. Roads are necessary to go to work and to push economies; libraries are not quite as important. Apply the volunteer model to the library. Addressing the libraries BOD, I gave a comprehensive list of ways volunteers can be involved. This would probably eliminate several jobs or at least not have a need for new hires; however, it means that empire building will end. Budgeted book purchases were $250K, but employment costs were millions. When I grew up, the towns’ library was run completely by volunteers. BTW, libraries do not band together to buy product in larger numbers, to reduce per unit costs. This could be required. The library pays enormous prices for inventory, but will not put on the shelves any donated books, movies, tapes, etc. They say the library has higher quality needs than books made for the public. I asked, “If 10 books of a particular title were donated, what does it matter if some become tattered – throw it away and ask for more donations?” They had no answer. The library sells ‘overstock’ for 50 cents. I suggested volunteers could store the overstock until needed. Everything is computerized. A volunteer could be emailed that a certain title is needed. Citizens doing public service sentences could be putting books on shelves, as could volunteers, etc.

The Highway Dept can look to save tax monies by reevaluating standards, schedules, and only doing work when needed. Example, my entire street was recently repaved. There was almost no damage. There were only a few cracks around a manhole cover and I asked a worker “Why are you repaving when the road is fine?” He said, “It was in the schedule. We do it every seven years, whether it needs it or not.” There may be good reasons for this schedule; I don’t know the consequences of waiting, but it seems wasteful.

Extend the edge of the road by 3-5 feet to create sidewalks/bike paths. An oft heard request is the desire for sidewalks. Sidewalks are expensive and a large part of the cost is the “takings” process. A swath of land must be “taken” from a homeowner and paid for. Instead, level and blacktop 3-5 feet from the edge of the road to the utility pole. This necessitates only needing to get the rights-of-way from government controlled entities, like the utility company, who already has the right-of-way. Little, if any, new homeowner land would be needed/used that does not already have a right-of-way. This is the most cost effective way to create sidewalks.

Ask town employees for their ideas. This is the best way to find efficiencies. All management manuals endorse including employees in creating priorities, in making decisions, in implementation, etc. Bonuses should be paid for implemented ideas. A percentage of the savings can be put into a fund to increase town employee salaries.

Citizens should be actively asked to participate in town committees. I’ve seen the websites of some towns that openly list the committees needing help. This is not done in Bethlehem. Committees are handpicked by the Supervisor, who can stack a committee any way he chooses. Tax incentives could be a basic persuasion technique. However, “democracy” requires participation. People respond to a higher calling. If the Supervisor or Town Board Member asked a town resident to participate, it would be like a call from the President; few citizens would decline. Imagine if a rolling 5% of the town’s households had a representative on a town committee. That’s over 700 volunteers doing the town’s work.

The town’s volunteer coordinator could be the central repository of the town’s volunteering needs. Religious groups, fraternal organizations, clubs, etc. could seek volunteers for activities from the town’s pool, and once volunteers are familiarized with that organization, it would increase the organization’s membership.

An independent citizens committee could be responsible for making recommendations. The committee could be open to any town resident who wants to participate, including students.

Decrease property taxes by 25% over the next 4 years. This is done by instituting metrics, incentives, rightsizing, increasing volunteerism, allocating resources well and reducing abuse

Bethlehem has more police per capita of population than any other town in the county. A first goal would be to bring the Police Dept into line so that Bethlehem is at the bottom of the list in the number of police, instead of at the top, as measured by per capita population.

The Police Dept should not have the “Volcanator” mentality. I’m told this local officer gives out 3000+ summonses per year. The ticketing process is used as an additional source of taxation to fund the police. This disconnects the police from the very people they are meant to serve, and is antithetical to their purpose, namely, to defend a person’s life, his liberty, and his property. One reason ticketing offends people is because it is so obviously a town funding source. If someone is hurt, then the offender can be punished - significantly. If someone is not hurt, there is no logic for punishment, despite the assertion that there is a ‘potential’ for hurt. Potential is not actual. Rather, have a straight-forward Police Tax, just like the sewer, water, library, or highway taxes. Then people know what they are paying for and ticketing can be reduced so police can concentrate on real crimes.

In order to bring in businesses, have the Zoning Board adhere to the original intent of the founders and the NYS constitution. Government is created to ‘defend’ a citizen’s life, liberty, and property. This means that government is supposed to ‘defend’ almost all incursions against a citizen’s property, including incursions by government. In Vermont, a law declares it is state policy for ‘mountain scenery’ to be ‘protected.’ Almost all applications to expand or improve a property are denied. A family must get special permission from the state to improve its home when a new baby arrives, or when a company wants to expand, etc. I’m told that a local zoning board member did not allow McDonald’s to use its corporate colors because it offended the member. A taxpayer I spoke with was not allowed to add a garage because none of his neighbors had a 3-car garage; this, despite all the neighbors saying it was OK with them. The abuse goes on. Allow businesses to run their business and risk their capital, instead of seeking policies that punishes entrepreneurism. High standards will be maintained IF sure punishment is meted out when someone is hurt. The principles of tort law will defend us, if adhered too.

Require the Building Department to ticket upon actual harm rather than on potential harm. I had a code enforcement officer tell me, “I saw a few drops of water in the attic, put on a new roof.” I was informed of the penalties if I didn’t comply within 30 days. Speak to any landlord to learn of the inequities pursued against land owners. At the least, have a grievance process with penalties for abusive building officials.

Taxpayers can be shown how to grieve their property taxes properly. I gave such a class with Jared King. When walking, voters remembered our advertisements and we thus accrued a good deal of credibility. I seek for taxpayers to pay their correctly determined, fair amount of tax. This will not reduce total taxes, but it will make citizens feel like they got a square deal and you will be on the side of the angels.

Schools take 61% of the budget. I’m told teacher’s salaries are about 97% of the total, although I have not verified this. If correct, that is outrageous, especially for the product that we get. Compare the Bethlehem student, not to other capital district students, where they fare well, but to Korean, to Singaporean, German, or even to Romanian students. US students must take a year of remedial study when going to Romanian colleges, a third world country. When comparing to other industrialized nations, our students fail miserably. http://4brevard.com/choice/international-test-scores.htm Private school teachers are paid less but achieve better results. Public school teachers are a product of their education, which has a particular point of view and agenda. Salaries should be structured to meet free market standards. Reduce public teacher salaries to those of private schools, and raise their salaries when our students achieve results like their international competition. Turn to a full year school schedule, without raising teacher salaries. This will have the most profound educational effect. Specialized volunteer tutoring can be instituted within each neighborhood. A committee could read the books being suggested for appropriateness of material. When the argument occurs, “Well, what standard is going to be used?” the answer is, “An appropriate standard that is aimed at creating good scholarship and creative, critical and independent thinking, and to, at minimum, be at the same level as international standards.” There is ample evidence that our education system is flawed. The BOE would be held to the same standard as other government officials. The teacher’s and administrator’s unions would be viewed as ‘special interest’ groups with the suspicion that this implies.

Endorse the creation of a Civics course, to be taught at each grade level and to the general citizenry. The fundamentals of Constitutionalism would be the curriculum. “Originalism” would be taught, as well as it’s opposite theory, the “living document”, the currently predominating view. As a “living document” the philosophy of ‘no philosophy’ rules, and anything can be justified, making the constitution moot and resulting in Statism. With “Originalism” the presupposition is that your population is morally based, allowing a philosophy of maximum freedom, and that there be only enough government sufficient to create some order and comity, so as to prevent anarchy. Let the better philosophy win. In an honest contest, there is no contest. I find it interesting to note that, at the time of the drafting, the founders and the voting public knew about the ‘Rights of Man’, and felt such confidence in the presumption that all succeeding generations would know these obvious ‘truths’, that the founders did not feel the need to write them into the original document. The voting public, however, did not trust government (men) and thankfully insisted in their inclusion. I cannot imagine the sort of Statist entity we would now have had the Bill of Rights not been included in the Constitution. – I would also like to see a ‘Life Skills’ course. This would entail letting seniors know about those basic needs of every citizen, balancing a checkbook, the proper way to count change, understanding the vagaries of credit and how to get and read a credit report, types of interest, certain basic legal principles, basic contract law, tenant’s rights and responsibilities, preparation to get a loan, car insurance, saving money and the miracle of compound interest, the philosophy of community involvement, basic morals and ethics, etc. When a Rotarian, I suggested a course of this type, to be sponsored by the Rotary. My local chapter was excited by the idea. Of course, it was promptly turned away by the school.

A Micro Loan program could be instituted, like an SBA, with the aim of helping create a town of successful entrepreneur’s. Nothing could be better than to have less of a ‘state worker’ mentality and more of the independent thinking of a successful entrepreneur, who, like the pioneers, banding together to help a new resident erect their home or barn or gather their crop, know that their success is due, in no small measure, to their fellow townsfolk. This would build comity and community.

Advance a “Wise Use” agenda for the environment. While some regulation is appropriate, http://www.heartland.org/full/16832/Can_We_Afford_To_Squander_Our_Resources_Through_Our_Reliance_on_Junk_Science.html , we must also have some appropriate oversight. I am reminded of a conversation I had with a businessman who was not allowed to build a significant new facility, losing 100’s of jobs, because a young, over enthusiastic bureaucrat viewed a bit of water on the construction site as a “pond” housing pollywogs. The entire site was shut down to ‘save’ the environment. I was told by a building inspector that I had to put in drainage piping, costing over $5000, because rain water was accumulating in a 3’ ‘pond’ and “could create a hazardous condition.” He only backed off when I proved that the water had been absorbed into the ground within 24 hours, eliminating the ‘pond.’ This is government run amok and is very, very common.

Create an Oversight Commission, to review decisions made by government officials. It could Sunset upon a citizens referendum every two years. Residents would sit in judgment of government’s decisions and decide if they are fair, just, and appropriate. Monies would be allocated to bring suit. After three egregious violations, an official would be retrained or relieved. Suitable protections can be built in for those suggesting that we are overturning lawfully constituted officials, but I am mindful of the Declaration of Independence, “He has erected a multitude of new offices, and sent hither swarms of officers to harass our people, and eat out their substance.” As Pogo said, “We have met the enemy and he is US.” Government must be held accountable. If government will not defend people, then people have the right to defend themselves. Politician’s who think otherwise are on the wrong side of the history yet to be made in America.

Join with other towns to create a united front in opposition to unfunded mandates at the state and federal level. Encourage our state and congressional legislators to not vote for items outside of the Originalist constitutional construct, i.e. how Madison and Jefferson viewed ideas. Create the educational information showing legislators why and how a proposal is not Originalist. Propose that legislators retract law that is not conforming to Originalist constitutional precept. This is especially important as I am told that we are potentially on the verge of having another constitutional convention. Only two more states are needed to ratify for a national convention call to be required. Who knows what havoc will ensue when radical liberals have their mandate to “fix” US. G-d was good to US once, when he brought together men of character, who created a system where free men could advance on their merit. Will he again shine his countenance, or will radical egalitarianism prevail, to the detriment of all, excepting the few in charge? What then will be for the US, “the last, great hope of mankind”?

These thoughts are just off the top of my head.

I don’t really care about the political realities. My goal is to endorse that which I believe is good, righteous, and just. I want my elected officials to live up to the oath that they took; to uphold the Constitution.

If a legislature passes something that is not constitutional, or if a judge upholds something that is not constitutional, it is incumbent upon an office holder to object and do what he feels is just, despite any consequences. An office holder’s obligation, or the duty of any citizen, is no different than that of a solder, i.e. to do that which will defend the constitution. Just like a solder, who is obligated not to follow an extra-legal order, a citizen should also act when confronted with a corruption of the constitutional ideal. Hamilton created the Bank of the US and the NY Stock Exchange; great achievements rife with the potential for corruption. Yet, Hamilton felt it incumbent that, as a public official, he hold himself to the highest ethical standards, and was never accused of any dishonesty when building these institutions. That, Hamilton felt, was the public due.

As regards your upcoming candidates debate, pointing out a few missteps in the budget will get a few points, but folks have heard it all before and they are inured to these nostrums. However, if in the few minutes you have, you are able to espouse big ideas, then you have a chance to excite people. People will follow someone, even a political unknown, who offers, “Change you can believe in.”

Good luck.

Mitchell Goldstein

This month, the city of Boise told Marcella Boylan that if she didn't pay $241.55 owed for trash collection, her name would be published in a full-page newspaper ad to call attention to scofflaws.

But Boylan never saw the letter. The 92-year-old's nursing home caretakers forwarded it - like all her mail - to her former daughter-in-law, Caroline Werner.

And Boylan certainly didn't rack up those late fees - she suffers from Alzheimer's and hasn't lived in her Sunset Avenue house in years.

In fact, that house should be sitting vacant - no one has legally lived there since Boylan's grandson died in 2006.

But a man who never met Boylan and - according to county officials - has no legal claim on the home, has been renting it out for almost two years.

"I call the city and discontinue the trash service, and he calls and starts it up again," said Werner, who has power of attorney for Boylan and what's left of her estate.

Since the Boise woman's husband and her three children are deceased, Werner is the only one left to look after the house, but she lives in Colorado.

Though she has contacted the police to remove illegal renters, more unsuspecting tenants move in.

"I feel so helpless," Werner says. "I've just kind of given up."

IS THERE A 'TAX DEED'?

On May 16, 2007, David Foldesi walked into the Ada County Courthouse and paid $8,875.62 in delinquent property taxes on Boylan's house.

Both Boylan and her husband, Dudley, who died in 2005, had faced serious health problems - and the costs added up.

When the taxes weren't paid on the house, the county started the steps toward putting it up for public auction - a process called a tax deed sale. The online auction was scheduled for May 19-21, 2007.

Once the county starts the tax-deed process, the county takes ownership of the property until it is sold or the delinquent taxes are paid, whichever comes first. In Boylan's case, the delinquent taxes were paid, by Foldesi, just three days before the auction.

Once the delinquent taxes were paid, the county canceled the auction and granted a "redemption deed" to Boylan. Foldesi is named in the redemption deed as the person who paid the delinquent taxes.

But a redemption deed does not convey ownership of, or access to, a property - and neither does paying somebody's property taxes, county officials say.

When Foldesi paid the taxes, that did "nothing more in this case than cancel the tax deed and all related proceedings," Ada County Treasurer Cecil Ingram said.

Foldesi thinks differently.

When asked who gave him permission to rent out Boylan's house, he said: "The owners. Who are the owners? The tax deed holder."

But neither Foldesi nor anyone else can hold a tax deed to the house, because there is no tax deed for this property, according to the county. Only if the house had gone to auction could someone have bought the tax deed, which would have given that person ownership over the home.

Some states do sell tax deeds or tax liens without an auction giving ownership to the person who pays off the tax bills. That may be part of the confusion.

Foldesi spoke only briefly to the Statesman before hanging up. He has not returned subsequent calls, including requests to see a tax deed for the house or a certificate of sale from the county. Foldesi and his partner, Debbie Smith, own Boobies restaurant on Ustick Road.

TENANTS CAUGHT UNAWARE

Werner first found out about the unexpected house guests when a neighbor of the Sunset home notified her in October 2007 that someone was living in the house.

Werner called the Ada County assessor's office and verified the property was still in Boylan's name. She then contacted the police and filed a trespassing complaint.

The tenant did not know she was living there illegally and left willingly.

But Foldesi told the investigating officer that the redemption deed gave him claim to the property and he could do with it as he saw fit, according to the police report.

The police notified the county in February 2008 that Foldesi said he intended to sue the county over the house. So far, he hasn't.

Werner still does not know how Foldesi gained access to house. She never gave him keys.

Shortly after the police evicted the first tenant, Foldesi rented the house to Melony Velasquez.

Velasquez, who lived there from February to October 2008, said she thought Foldesi owned the house. When she moved out, Foldesi immediately rented it again. That tenant, who asked not to be named, was living in the house until this week.

When he learned from the Statesman what was going on, he called Werner, apologized and told her he would move out immediately, Werner said. She feels bad for the tenants who thought they were legitimately renting a house.

WHERE SHOULD THE MONEY GO?

Werner said she is at wit's end. She cannot afford to hire an attorney or someone to monitor the house, and Boylan's estate does not have any money for legal action against Foldesi.

Werner can't sell the house - a reverse mortgage helps pay for Boylan's long-term care. Nor can she rent it out, because the income could make Boylan ineligible for Medicaid.

Between Boylan and her husband, the bills have mounted. The Idaho Department of Health and Welfare has a $498,905 lien against Boylan and her house for money the state paid for the couple's nursing facility care.

When Boylan dies, the state will get the house, which is currently assessed at $172,100.

Werner said she could keep asking the police to remove trespassers or pursue getting Foldesi banned from the property, but she doesn't think it will do any good.

"How am I going to enforce it?" she said. "I am in Denver. He will just go back in again."

Werner estimates Foldesi has been renting out the house for almost two years. According to past tenants and the police report, he has charged between $550 and $700 a month. She thinks any income derived from the house should be going to pay for Boylan's medical costs.

"I hope he knows he is liable to Medicaid for every dime he made off the property," Werner said. "I hope they go after him."

I printed the story in its entirety; it is too good not too. http://www.idahostatesman.com/boise/story/915580.html?pageNum=11&&&&&&&&&&mi_pluck_action=page_nav#Comments_Container

Coach Mitch’s REFLECTIONS

There is always one in the crowd!

The proverbial bad apple shows itself here. Situations like this are how the entire barrel gets a bad name.

Adverse Possession

A strategy called Adverse Possession is similar. This situation occurs when a property is abandoned and a non-owning party takes control of the property, pays its bills, its upkeep, etc., and eventually, through a legal process, gets legal title.

Adverse Possession is rarely done because of the time frame involved, 5 to 15 years, depending on the state, and the risks.

The actual owners or their legal heirs or some other person who has legal standing can appear at any time, reclaim the property, and all monies invested are lost, with no way to pursue any action to reclaim investments.

http://answers.uslegal.com/questions.php?q=309

If attempting Adverse Possession, be sure to learn and understand the laws of the state and be sure to engage an attorney competent in adverse possession law.

This situation

Be aware that this situation, while not common, is known to happen. There are many empty properties being used for nefarious purposes.

The reverse mortgage is commonly used as a way to pay nursing home bills and end of life costs. The bank will be in first mortgage position, but the government tax lien is in first position, period. The only lien that comes before a mortgage is a government tax lien. That is why tax lien investing can be seen as safe.

The bank’s agenda

Why didn’t the bank pay the back taxes? The bank usually gets a report when the taxes are delinquent and the bank normally pays the back taxes to protect their investment, the mortgage.

In this case, the government has liens against the property for much more than the property is worth. Therefore, if the bank did pursue a mortgage foreclosure auction, the bank would not receive any compensation. Any auction proceeds would go to the first lien holder, the state.

If the bank did pursue a mortgage foreclosure, and if Ms. Werner or the nursing home had informed the press, the bad publicity would potentially have besmirched the bank.

The bank is behind a rock and in a hard place. The bank must continue making the monthly payment to the nursing home, even though the bank will never get the property, and even though the bank continues to lose money on this transaction with each monthly payment.

The bank’s best course

In this situation, the best course of action for the bank was - let the county pursue a tax deed auction.

The county is required by statute to take a property to tax sale if the taxes are not paid. Upon a tax deed auction, the mortgage is eliminated and so is any obligation the bank has to make monthly payments to the nursing home.

The best laid plans

Unfortunately, for the bank, an investor came in and paid the taxes. The government does not care if the payer has an interest in the property. The government will take money any way it can get it.

The investor made a calculated bet. He figured that he could make more money than the investment. Of course, the investor knew that he does not have legal title, especially after the first tenant was evicted. However, the investor is nervy. In this case, that nerve may be foolhardy, as a prosecutor may pursue an action.

What could be done?

Ms. Werner could put the home into a trust, as per the Garn / St. Germain Act, changing the ownership while still keeping the mortgage intact, rent out the home, have the net income put into an account and use it to make Mrs. Boylan’s life a bit more comfortable. In this manner, the neighborhood would not have a blighted home bringing down property values.

Government does not follow-up

Even if there is some slight technical Medicare law illegality, the government still has to connect the dots. Medicare does not have any oversight, as evidenced by the amount of fraud in the system. Medicare would never find out that the property is throwing off income. Even if Medicare did, the government is getting the property and Mrs. Boylan would be put on welfare, still subject to Medicare.

Take care,

Mitchell Goldstein – Coach Mitch

518-439-6100 until midnight EST

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

The Wichita Eagle Kansas, MO

Auction of foreclosure properties draws 200

…at the Sheriff's tax foreclosure sale Monday afternoon at the Sedgwick County Extension Education Center. The Sheriff's office auctioned 75 properties .

• Gallery: Sedgwick County's tax foreclosure auction

To the 200 people who showed up Monday to bid on Sedgwick County property in tax foreclosure, Chris McElgunn voiced a warning.

"It's buyer beware," McElgunn told potential bidders.

They came to … bid on about 76 parcels: some vacant lots, some with buildings or homes, much of them "distressed." The property goes to the highest bidder regardless of the amount of taxes owed.

McElgunn, a lawyer retained by the county to handle tax foreclosures, explained that the property was being sold as is, with no guarantees. He told the audience he hoped they had done their homework — that they knew the condition of the property they were bidding on. And that if they made the high bid, the property would become their responsibility.

One of the winning bidders, who asked that his name not be used, smiled and said almost giddily that he "jumped in with both feet. I didn't do my homework."

He said he paid $500 for a piece of residential property in the 1800 block of South Water. For all he knew, it could be a vacant lot. Still, he said, "An empty lot for $500 ain't bad, especially in the city of Wichita. I guess I'll find out."

County officials moved the …tax foreclosure sales to a massive hall at the extension center because … The sale had outgrown space in a jury room at the Sedgwick County Courthouse.

One of the experienced bidders, Fred Byers, had his eye on a home that ended up going for $47,500.

Byers had done his homework. He had looked at the home and learned that it had extensive damage from pets and needed new plumbing and heating and air equipment. He was prepared to pay $30,000, no more.

See the entire article: http://www.kansas.com/759/story/952439.html

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Coach Mitch’s REFLECTIONS

It seems that the county is good at disclaiming. The county does not want to be responsible for anything, yet they want you to be very responsible. The county wants nothing to do with anything having to do with the property – except to take it from the owner and sell it for the back taxes.

Disclaimer’s Galore

See the Auction Terms and Conditions Notice for a complete understanding of what the county will not do and what you are required to do. I’ve included a link to the Albany County, NY Notice which approximates what a county typically requires. http://www.albanycounty.com/auction/default.asp?id=861

Buyer Beware – Take this seriously

10) All properties, including any buildings or other improvements located thereon, are offered for sale and sold by the County "AS IS" without representation or warranty of any kind as to their condition, excepting where applicable, the HUD Lead Paint Disclosure for Residential Properties and any other disclosures required by law.

(BTW, one of the reasons that there are so many dilapidated buildings, is that the government requires that lead paint be remediated, i.e. removed. The expense is huge. Upon being ticketed by building inspectors, rather than take on this immense expense, owners abandon their buildings and do not pay their mortgages nor property taxes. Yet, the county does not take on this situation that they created by remediating the building. Rather, they let the building sit, act as a haven for crack users, and pass the requirements on to the next owner.)

Continuing with 10) Prospective bidders to whom the condition of a property is relevant…consider having an inspector, contractor, architect, and/or engineer inspect the property prior to bidding.

The NYS Uniform Vendor Purchaser Risk Act shall apply to public auction sales. (Meaning that you engage at your own risk.)

The right, title, interest, claim, lien, and equity of redemption of all persons therein have been presumptively extinguished under said provisions of law, which presumption will become conclusive after two years from the date of the recording of the deed thereof to the purchaser.

(The county takes the property, sells it, and the winning bidder still has to wait two years to gain clear title so that a regular mortgage can be obtained upon a refinance or resale.)

The deed conveying title to the purchaser will be a quit claim deed from the County of Albany containing the assessment roll description of the parcel… and not a metes and bounds description. However, title conveyed to purchaser is subject to: (a) …an accurate survey; (b) all applicable zoning/ land use/ and building code regulations; (c) and easements, covenants, conditions and rights-of-way of record existing at the time of the levy of the tax, (d) current taxes and assessments and water and sewer charges; and e) any conditions established by the County Executive …

(Neither clear deed nor a good boundary is sold, but the county does require the new owner follow all law, on a property that one cannot even determine the boundaries without going to considerable expense.)

Since marketable and/or insurable title to and the actual dimensions and physical location of these properties is not warranted by the County, prospective bidders…are cautioned to consider having a title search and/or survey of the property performed… prior to bidding.

13) In addition to the purchase price, the approved bidder must pay closing costs… recording the deed and filing any related documentation. Closing costs will also include the title search fee paid by the County (currently $185).

The hypocrisy revealed

It is staggering. The county assumes no risk, allows the new owner no exclusion from any risk, recommends the bidder get a title search and a survey, and the county will not let the new owner have use of the existing title search – a search for which the new owner was required to pay $185.

Only government can do these things and, with a straight face, say they are working for the public good.

Oh yes, I almost forgot the biggest fraud; if the successful bid is higher than the taxes owed, the county keeps the over bid. The county taxes your property, and upon no payment, takes the property, sells it at retail, and keeps the profits.

BTW

Using Coach Mitch’s Ridiculously Simple System removes these risks because you are buying the property directly from the tax distressed owner, prior to the tax auction.

You get marketable title with a warranty deed, you can walk the metes and bounds, you don’t have to worry for two years that a relative will dispute the title, you can thoroughly inspect the property at your leisure, you get a wonderful deal, because the owner is going to lose the property to the tax auction, and you can refinance or sell immediately.

Why bother with the tax sales auction, where you have to bid against many others and, in addition, assume all the risks that the county will not?

Caveat Emptor –

Mitchell Goldstein – Coach Mitch

518-439-6100 until midnight EST

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

The Republican SPRINGFIELD, MASS

Planning Commission moving into new offices

Thursday, September 03, 2009

Developers …showed off a transformed former Hooters building at 60 Congress St. Wednesday, days before the Pioneer Valley Planning Commission will move into the building as the first tenant.

Mirkin, … and Gagliarducci bought 60 Congress St. at a tax foreclosure auction in June 2008 for $605,000. The 28,500-square-foot building had been home to a Hooters franchise… Before that, it had been home to Spaghetti Warehouse. It was also once a commercial laundry.

Mirkin and Gagliarducci said the entire project cost $4 million, including the $605,000 cost of the building. They gutted the structure, tore down one addition and built a new four-story addition to house an elevator, stairwell and rest rooms.

They have a tax increment financing, or TIF, agreement with the city for 10 years. Under the agreement, there is a 50 percent tax exemption for five years and a 30 percent exemption in the sixth year, declining to a 10-percent exemption by the 10th year.

James M. Mazik, deputy director of operations for the Pioneer Valley Planning Commission, said the commission will pay $13.50 a square foot to rent 16,500 square feet on two floors, for a total of $222,750 for a year. The commission will also pay for utilities and a share of the building upkeep.

…the Pioneer Valley Planning Commission… needs more room to host meetings and for mapping equipment. The commission has 50 employees and provides help to 43 municipalities on land use, transportation and economic development. It has an annual budget of about $5 million, funded primarily through state and federal grants and contracts with cities and towns.

See entire article: http://www.masslive.com/hampfrank/republican/index.ssf?/base/news-22/1251962116100310.xml&coll=1

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Coach Mitch’s REFLECTIONS

Your tax dollars at work

Taxpayers fund the Planning Commission with $5MM per year. The developer buys a building at a tax sale for well under the retail market price, a sweetheart deal. Further, the local government gives a significant property tax discount to the builders, amounting to the builders not paying property taxes for 3.5 of the next 10 years. The property tax exemption discount is another way the public’s coffers are depleted because these monies are not collected, when they otherwise would / should have been.

I suspect that, if one were to investigate, they would find that the builders have made sizeable political contributions. As is well known in political circles, nothing happens by chance. If it happens, it was meant to happen.

The lesson

This transaction is a very good example of how you can plan to become wealthy with tax delinquent property.

The 3 step process

1 - Seek out government, local is easiest.

2 - Find out what they want.

3 - Give it to them.

I am not being cynical nor satirical

You will find that in many communities each of the governing bodies want “their” own Taj Mahal.

The Police “need” a bigger, better, more secure jail and administrative building.

The town’s Highway Department or General Services unit “need” their own, bigger space for more toys, like a road sweeper or leaf picker upper.

The fire departments all need new firehouses, complete with sauna, pool room, and party hall.

Let’s not forget the library. In my town, the library is undergoing the third expansion, remodeling in five years. The library takes a bigger tax bite than the highway department. The new books are one of the smallest budget items. Existing employees and new hires are the great bulk of the costs.

Of course, the mayor/supervisor and the town board are campaigning for a new government center. I’m sure you agree that current town employees are squeezed in like mice. As more government workers are hired (empire building never ends), they will be even more squeezed.

The biggest boondoggles of all are the schools. Our town recently completed our Tax Mahal and the Board of Education is patting itself on their back that they kept the spending down to only half the accumulated wealth of the western world.

Donald Trump did it this way

“The Donald” took his father’s inheritance and his Wharton School education to do HUD transactions. He built apartment complexes with government subsidies and really made a fortune.

You need the right tools

Once you find out what the government unit wants, look for property that will satisfy their need. The first place to look is, of course, the tax delinquent property list. You will find out how to garner this list when using Coach Mitch’s Ridiculously Simple System. When your government contact says, “Yes, that property will do.” control that property with Coach Mitch’s famous $1 Option.

Shovel Ready projects

This is the mantra these days. Many governmental units have projects, already planned, sitting on the shelf, and ready for shovels. Go get your piece of the pie.

Pay to Play

Donate to the party or to those who have the ear of those making the decisions. The old saw is correct, “It takes money, to make money.”

However, with Coach Mitch’s Ridiculously Simple System, you only need $1 when using Coach Mitch’s famous $1 Option.

Best of Luck,

Mitchell Goldstein – Coach Mitch

518-439-6100 until midnight EST

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

Coach Mitch’s REFLECTIONS

Give the system what it wants

A banker wants to see assets. If the asset is liquid, like a stock or a bond, then he gives you credit for it. If the asset is real estate, the banker gives you credit for that also.

The banking system does not like to take chances. Why should it? You want money for some project, and the bank wants it back, plus interest and on time. To make bankers ‘feel’ better, they want to see lots of assets that you own.

Bankers like assets

Bankers equate assets with success, a good thing to have them feel about you when seeking a loan. An applicant who holds assets inspires confidence that you will be able to pay the loan back. But, most of all, the assets allow the banker to know that you have something to attach, if necessary. Your assets are collateral.

The more assets you have the better

In America, there is something magical about being a millionaire. People aspire to it and bankers love making loans to millionaires. If you had a choice, which would you rather loan to, someone who has to scrape up a down payment and can barely make a payment, or someone who has so many assets, that they are a millionaire.

Coach Mitch says, “Just say ‘Yes’. “

When seeking a loan, wouldn’t it be great to have a Balance Sheet showing that you have $1,000,000 in assets? Even better, wouldn’t it be great if you could really get that amount of assets on your balance sheet and only spend $1000 and show $1,000,000?

How to be a ‘paper’ millionaire

When accountants create a Statement of Assets, they list the market value of the asset. You might have purchased a house for $100K, but it may be worth $200K. You got a good deal and it is reflected on your Asset Statement. The actual cost of the item is listed somewhere else and the difference between your cost and the actual value is your equity, which is added to your Net Worth.

Bonds

This same idea happens with bonds. Bonds are purchased at a discount to their value. A $10000 bond at 10% interest for 10 years is offered for sale. The seller is motivated and the buyer offers to purchase the bond, but at a discount. The buyer wants to make 20% interest. Since the bond’s interest is contractually set at 10%, paid quarterly, the only variable that can be reduced is the face amount of the bond.

Since the buyer wants to earn 20%, the seller must sell the $10000 bond for $6836. That is the only way the equation works.

Number Interest Present Value Payment

40 quarterly payments, at 2.5% per quarter (10%/y), on $10000, is $398/quarterly payment

The above equation is the same as:

40 quarterly payments, at 5%    per quarter (20%/y), on  $6836,  is $398/quarterly payment

The bond payer still pays $10000 plus interest, but the new owner is collecting that interest against a payment of $6836 versus $10000, so his profit is much larger.

The Asset Statement shows an asset valued at $10000, but the cost was $6836.

Pretend

Make believe that you could buy an asset for 1000^th of its value. WoW!

In many areas that sell tax liens, the liens are against property that has a high tax assessed value, but the tax lien amount is very low. This is often the case with tax liens in the deserts of New Mexico, Arizona, Utah, Idaho, Nevada, etc. Look for places where the desert land is not going to be developed for a significant period.

The Plan

Find tax delinquent lots that are tax assessed at $10000 and purchase 100 liens or lots for $10 each.

100 liens or lots @ $10 each = $1000 spent. 100 liens or lots x $10000 market value = $1 million. This amount can be added to your Statement of Assets and Balance Sheet.

Look like a million dollars

A tax lien is a bond. Bankers are very familiar with bonds. They like them. When you show that you have $1 million in collateral, they will look at you in a different light. They don’t need to know that you only paid out $1000 for that $1 million.

BTW, often, these lots can be purchased at Ridiculously low prices, because the owner no longer wants to pay the taxes. Sometimes you can get lots or FREE.

This is a creative strategy

Coach Mitch has been creating creative ideas for a long time. He shares them with his students in his Ridiculously Simple System.

The best of luck,

Mitchell Goldstein – Coach Mitch

518-439-6100 until midnight EST

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

Coach Mitch’s REFLECTIONS

Did you ever wonder

how families used to be so large and still survive? Into the 1920’s and beyond It was routine for a working man to support seven or more, and on an average salary of $28 a week. In fact, the average household was over five people.

Taxes were low

That is the answer, plain and simple. I have heard, meaning that I have not verified it myself, that the tax rate at the time of the revolution was a staggering 2%. Our forefathers went to war over not having a voice in paying taxes, when taxes were at a very low rate.

Today taxes are very high

Taxes of all sorts and from all sources, take over 50% of a households income. That does not leave much to pay the mortgage, school clothes, food, entertainment, credit cards, etc. At this rate, It is easy to see that we pay more to house, feed and clothe someone else’s family than we pay for our own.

Therefore, it is easy to see how quickly a family can be put in a bad place when a layoff occurs, or when a significant medical bill is incurred, or when the cars engine blows up, or any number of disasters that can befall a family at any time.

I predict

Within 20-30 years, if the American public does not change the character of our government, then we will go the way of other nations and have barbed wire “reeducation” concentration camps for wayward citizens; wayward meaning, anyone who does not like what our government is doing.

Charlie Reese has written an article

The article accurately lays the grave danger our nation is in at the feet of our government.

The ‘Bottom Line’

If it happens, then government wanted it to happen.

I present the article complete.

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Our mess is our problem, because we have given up our rights to ‘the other guy.’ Now it is time to take them back. Be vocal like this reporter is.

545 vs 300,000,000

EVERY  CITIZEN NEEDS TO READ THIS AND THINK ABOUT WHAT THIS JOURNALIST HAS  SCRIPTED IN THIS MESSAGE.  READ IT  AND THEN REALLY THINK ABOUT  OUR CURRENT POLITICAL DEBACLE.

Charley  Reese has been a journalist for 49 years.

545  PEOPLE
By Charlie Reese

Politicians are the only people in the world  who create problems and then campaign against them.

Have you ever  wondered, if both the Democrats and the Republicans are against deficits, WHY do we have deficits?

Have you ever wondered, if  all the politicians are against inflation and high taxes, WHY do we have  inflation and high taxes?

You and I don't propose a federal budget.  The president does.

You and I don't have the  Constitutional authority to vote on appropriations. The House of  Representatives does.

You and I don't write the tax code, Congress  does.

You and I don't set fiscal policy, Congress does.

You  and I don't control monetary policy, the Federal Reserve  Bank does.

One hundred senators, 435 congressmen, one  president, and nine Supreme Court justices equates to 545 human  beings out of the 300 million are directly, legally, morally,  and individually responsible for the domestic problems that plague  this country.

I excluded the members of the Federal Reserve  Board because that problem was created by the  Congress.  In 1913, Congress delegated its Constitutional duty  to provide a sound currency to a federally chartered, but private, central  bank.

I excluded all the special interests and lobbyists for a  sound reason.. They have no legal authority.  They have no  ability to coerce a senator, a congressman, or a president to do one  cotton-picking thing.  I don't care if they offer a politician $1 million dollars in cash.  The  politician has the power to accept or reject it. No matter what  the lobbyist promises, it is the legislator's responsibility  to determine  how he votes.

Those 545 human beings spend much of their energy  convincing you that what they did is not their fault.   They cooperate in this common con regardless of party.
What  separates a politician from a normal human being is an  excessive amount of gall.  No normal  human being would have the gall of a  Speaker, who stood up and criticized the President for creating  deficits..  The president can only propose a budget.   He cannot force the Congress to accept  it.

The Constitution, which is the supreme law of the  land, gives sole responsibility to the House of  Representatives for originating and approving appropriations and taxes.  Who is the speaker of the House?   Nancy Pelosi.  She is  the leader of the majority party.  She and  fellow House members, not the president, can approve any budget they want.  If the president vetoes it, they can pass it over his veto if  they agree  to.

It seems inconceivable to me that a nation of 300 million can  not replace 545 people who stand convicted — by present facts — of  incompetence and irresponsibility.  I can't think of a  single domestic problem  that is not traceable directly to those 545 people.  When you fully  grasp the plain truth that 545 people exercise the power of the federal  government, then it must follow that what exists is what they want to  exist.

If the tax code is unfair, it's because they want it  unfair.

If the budget is in the red, it's because they want it in  the red ..

If the Army &Marines are in  IRAQ ,  it's because they want them in IRAQ

If they do not  receive social security but are on an elite retirement plan not available  to the people, it's because they want it that way.

There are no  insoluble government problems.

Do not let these 545 people shift  the blame to bureaucrats, whom they hire and whose jobs they can  abolish; to lobbyists, whose gifts and advice they can reject; to  regulators, to whom they give the power to regulate and from whom they can  take this power.  Above all, do not let them con you into  the belief that there exists disembodied mystical forces like "the  economy," "inflation," or "politics" that prevent them from doing  what they take an oath to do.

Those 545 people, and they  alone, are responsible.

They, and they alone, have the  power.

They, and they alone, should be held accountable by the  people who are their bosses.

Provided the voters have the  gumption to manage their own employees.

We should vote all of  them out of office and clean up their mess!

Charlie Reese is a former columnist of the Orlando Sentinel  Newspaper.

What you do with this article now that you have  read it………. Is up to you.

This might be funny if it weren't so darned true.
Be sure to read all the way to the end:

Tax his land,
Tax his bed,
Tax the table
At which he's fed.

Tax his tractor,
Tax his mule,
Teach him taxes
Are the rule.

Tax his work,
Tax his pay,
He works for peanuts
Anyway!

Tax his cow,
Tax his goat,
Tax his pants,. Tax his coat

Tax his ties,
Tax his shirt,
Tax his work,
Tax his dirt.

Tax his tobacco,
Tax his drink,
Tax him if he
Tries to think.

Tax his cigars,
Tax his beers,
If he cries
Tax his tears.

Tax his car,
Tax his gas,
Find other ways
To tax his ass.

Tax all he has
Then let him know
That you won't be done
Till he has no dough.

When he screams and hollers;
Then tax him some more,
Tax him till
He's good and sore.

Then tax his coffin,
Tax his grave,
Tax the sod in
Which he's laid.

Put these words
Upon his tomb,
Taxes drove me
to my doom…'

When he's gone,
Do not relax,
Its time to apply:
The inheritance tax.
Accounts Receivable Tax
Building Permit Tax
CDL license Tax
Cigarette Tax
Corporate Income Tax
Dog License Tax
Excise Taxes
Federal Income Tax
Federal Unemployment Tax (FUTA)
Fishing License Tax
Food License Tax
Fuel Permit Tax
Gasoline Tax (currently 44.75 cents per gallon)
Gross Receipts Tax
Hunting License Tax
Inheritance Tax
Inventory Tax
IRS Interest Charges IRS Penalties (tax on top of tax)
Liquor Tax
Luxury Taxes
Marriage License Tax
Medicare Tax
Personal Property Tax
Property Tax
Real Estate Tax
Service Charge T ax
Social Security Tax
Road Usage Tax
Sales Tax
Recreational Vehicle Tax
School Tax
State Income Tax
State Unemployment Tax (SUTA)
Telephone Federal Excise Tax
Telephone Federal Universal Ser vice FeeTax
Telephone Federal, State and Local Surcharge Taxes
Telephone Minimum Usage Surcharge=2 0Tax
Telephone Recurring and Non-recurring Charges Tax
Telephone State and Local Tax
Telephone Usage Charge Tax
Utility Taxes
Vehicle License Registration Tax
Vehicle Sales Tax
Watercraft Registration Tax
Well Permit Tax
Workers Compensation Tax

STILL THINK THIS IS FUNNY?

Not one of these taxes existed 100 years ago, and our nation was the most prosperous in the world.  We had absolutely no national debt, had the largest middle class in the world, and Mom stayed home to raise the kids.

What in the hell happened? Can you spell 'politicians?'

And I still have to 'press 1' for English!?

I hope this goes around THE USA at least 100 times!!!  YOU can help it get there!!!
GO AHEAD - - - BE AN AMERICAN!!!

Tax delinquent real estate, tax liens, and tax deeds are a great way to invest in real estate. Pre-foreclosure and foreclosure investing is significantly enhanced by Coach Mitch's system.

Media Ignores Reason for Foreclosures

Loss of good jobs through ‘free’ trade is at heart of foreclosure epidemic

By Mark Anderson February 18, 2008 American Free Press

With the mortgage crisis reaching critical mass, it’s time for Americans to see past the media reports that are keeping them in the dark. Take Shaker Heights, a suburb of Cleveland. Foreclosures have emptied most of the houses. This town was “ravaged by the subprime mortgage crisis roiling the United States,” stated a typical mainstream news report.

Many former residents were “evicted for non-payment of their mortgages,” some left in search of new jobs “after the factories shut down.”

This report represents the usual shallow, worn-out “explanation” of the crisis. If people were not given so much worthless information, they might understand what is happening. The media blathers about careless lenders that gave mortgages to risky recipients who didn’t keep up their payments. But the real story is that the destruction of middle-class jobs, especially in the manufacturing realm, is destroying the ability of Americans to earn, save, invest, pay taxes, reduce personal debts etc.

…one must work. And the types of jobs people need to be secure homeowners are disappearing. These jobs left the nation aboard the “free trade express.”

The Clinton-Bush dynasties gave us …NAFTA, approved by Bush the Elder, was signed by Bill Clinton and protected by Dubya, who pushed through CAFTA. Congress has aided and abetted the whole process, perhaps believing in the fool’s gold of free trade.

As former General Motors executive Gus Stelzer noted many times, production is the key. the media invokes the word “consumer” when referring to Americans. Never do they seriously talk about the vital process of production. Why?

Production consists of taking the Earth’s raw materials and forging them into useful products. This value-added process lays the groundwork for an economy to function. Back when Americans were producing most of the things they needed…they were paid well…Imports usually cost more back then because they were supposed to (any item shipped long distances ought to cost more, for travel expenses alone).

There was a time when one could graduate from high school, skip college, go right to a company and work for decades, with a decent retirement. America was so productive that surpluses were exported. We were the world’s leading creditor nation, with no trade deficit.

Look at us now. It is the height of absurdity to believe that a national economy can function without production. But, under the thrall of the free traders, we close factories, outsource what used to be American production jobs to overseas locales, and then we build retail outlets here for selling the merchandise. Working at retail outlets does not generally enable one to buy a home…

Nor can we just employ people in tax-eating government jobs. As people slip down the job ladder and face eviction from their homes, they are even less able to pay taxes to support the mushrooming number of government jobs. And the pressure to spend more tax dollars and enact new taxes to cover the increased government employment eats away at the ability of remaining businesses and private individuals to keep their stores and homes (and home-based businesses) afloat. When they lose their grip, they become unemployment and welfare statistics.

“Based on a very conservative 4-to-1 ripple effect, if the goods represented by America’s current yearly trade deficit were produced in the United States, they would generate $2 trillion in added national income, equal to about $16,600 per household,” said Stelzer.

An immediate need is to put sizable tariffs on all imports, particularly those from China, to offset the advantage of having things made overseas for dirt cheap, and to create a strong incentive to make things in America. From there, all levels of government must be cut back so taxes can be lowered, regulations relaxed and a good business climate re-installed in the U.S.

And as presidential candidate Ron Paul says—no more policing the world (and the trillions of dollars it requires).

Read the full story: http://www.americanfreepress.net/html/reason_for_foreclosures125.html

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Coach Mitch’s REFLECTIONS

This is great logic

Of course, logic is no longer taught in highschool, so American students no longer have critical thinking skills. They are brainwashed to think and to mouth the currently popular mantra, i.e. global warming.

Such nonsense!

The Club of Rome is a very prestigious and influential group that sets the agenda for many liberal/fascist groups.

The Club of Rome, has, since the sixties, been putting out papers stating that the ‘population bomb’ is about to explode, that ‘food and water’ should be rationed, that the ‘natural resources must be protected’ and ‘the earth is too hot.’

First, a hysterical setting must be created around a theme that has some level of truth to it; like population growth or climate change. Then, a set of ‘solutions’ are put forth that always calls for greater government involvement, which invariably narrows the ability of people to move forward with their lives, except as the Club has determined is acceptable. It is classic Fascism: Control at the top by the puppet masters with acquiescence by the puppets, i.e. the entire population.

I could say a lot more

about the world wide effort of leaders to enhance their own power and take more control of our lives. But, I will leave that to your own devices to explore.

Your responsibilities

Your first responsibility is to yourself. You must take it upon yourself to feed, cloth, and house yourself, to train yourself for a vocation, and to prepare yourself to defend your life, your liberty, and your property.

Your second responsibility is to provide for your family. Providing must be more than the basics; it includes being a good example to your children. Your third responsibility is to help in your community by being a leader who can be trusted to do that which is good, righteous, and just.

Being a shining example in your community, is the best way to protect your children’s inalienable rights to their life, liberty and property. If more citizens were shining examples, then those wanting power, for the sake of power, have a harder time of consolidating power.

The government’s responsibility

The US Constitution requires that a government defend a person’s rights, to their life, their liberty, and their property. Defending is a negative action. It only happens when someone or something attacks. Protecting the citizenry, which is the current mantra, is a positive action, which only happens when the government wants to impose its will over the population.

Power

Delaying the assention of Power is the most that we can do. Wanting Power is one of those life forces that cannot be denied, like the ‘Seven Deadly Sins’ of the New Testament. The Old Testament, in Proverbs, recalls that the Lord hateth, “A heart that devises wicked plots,” and “Him that soweth discord among brethren.”

But the Devil get’s his due. Men want Power, and when they get Power, it corrupts them. But, little understood, is that, often, evil men tend toward seeking power. The most evil are those who corrupt US, with their charm, their manner, their easy expression; because these men knowingly lead US down the wrong path and goad US into slipping the ‘golden handcuffs’ onto our own wrists. We are like the mice following the Pied Piper.

How to protect yourself and your family

I continue to believe that making an independent livelihood is the best way to protect oneself from the incursion of government. One can manufacture, merchant, farm, etc. But for me, doing real estate investing is the way to independence.

Of all the ways to invest in real estate, the easiest and the best way is to work with those who are tax delinquent. These folks are willing to give you a good deal and because my system concentrates on working with free and clear property, they are able to give you a good deal.

Coach Mitch’s Ridiculously Simple System shows, in detail, how to buy or control property for very little money, often below $1000, even as low as $1.

Now is a great time to start,

Mitchell Goldstein – Coach Mitch

518-439-6100 until midnight EST