A New Form of "Independence"

A New Form of "Independence" - We Make Declaration for Change

Posted 7/4/2009 10:46 AM CDT on shreveporttimes.com

A New Form of "Independence" Choosing Dignity and Respect

To be - within

Housing & Banking
Regulation




21st Century

" Americans Respecting American's"

If this nations, its Senators and other politicians, do not grasp the fact, that if it does not move to lower Interest Rates on homes, and allow people to keep a higher % of the already diminished wage they earn, while enabling them to pay their mortgage, and still have some nature of functioning life.
We will only see more and more foreclosures if we allow banking to continue to control our nation- and banking making havoc with lending- which cripples our nation until it is fully handicapped with excessie longe term damage.

We must be aware how this mentality of banking and the financial industry, has caused and contributed to massive unemployment, and business failure - and functioned as if to be "economic treasonist acts", their singlehanded activity has brought the collapse of the economic condition of a nation, and caused, the loss of gained it took a nation 500 years to attain.
their actions have made bankrupt a nation of many senior citizen's who saved for a lifetime, to provide for themselves, their actions have left homeless countless thousands, and be a major party to the collapse of major industries, all across this nation. Their acts and actions, have insulted the nation, in the eyes of foreign partners, Yet.. we as American people, via our apathy, fail to lay the truth of blame where it originated, We fail to address it with understanding, yet, it has left a nation in a state of fast eroding conditions, while watching the demise of its people. While we sit and watch men, pay themselves 100's of millions of dollars, for the function of failure and collapse not just of an industry but of the nations stature.

We are being Lead by Bankers, who will destroy the nation to fatten their pockets and give themselves bonus. Our President and his cabinet, should move SWIFTLY to roll back interest rates, on every home bought since 2002, to 4.5% interest rates, and any homes bought from this date fwd, cannot exceed 6% interest rates.
Homes are the foundation of this nation. To allow the banks to wreak havoc, when the government has already taken over their debt and followed up to fatten their coffers, and yet they wreak havoc. We the silent people, and voiceless citizens, sit back and say nothing, do nothing, and many think nothing of concern that would drive them to have a passionate voice. Sit in apathy- unaware the lack of effort to make a massive campaign across this city, this state, this nation. To take our lives back from the control of bankers.

Its insidious. and it is time the administration put a stop to it. We the public assume the debt when banks maliciously squander its resource, act now to create stability for people, and contain banks. We have sat passively, and watched, bankers, take the homes of individual, when everything in our economy is in downturn, we have watched banks make families homeless, all trying to extract a rate, on homes that have lost their value, solely by the actions engaged by banks. Bankers and their paper games, sold out the value of the nations homeowners, they destroyed the stability of home ownership, with collusive paper shuffles, and predatory efforts to subjugate the people, for the plain and simple extortion of unfounded rate of interest.

Our most precious commodity, which is the land and homes of the American People- have become under direct attack and assault- acts of seizure, driven by an faltered economy, made to falter by the actions engaged by banks. Resulting in unemployed Americans, and working Americans, who have seen their earning diminish. all indicators, point to banking. All facts have come to surface and lead back to the actions of banks.

We the people, bailed out the banks, yet they stand in arrogant vile demeanor-

seeking to continue to extract rates from properties, which have lost value, and the value loss is attributed to the actions of banks.



Maybe this 4th of July.. may need to be a time of revolution- to take back the American Landscape from the hands of bankers, to free Americans from the inflated indenture banks have made of the American citizen.

Why do we have less drive and less motivation, to claim our independence from the usury banks have engaged. Why do we sit silent while a nation of homes sit un-occupied, because banks won't make the modification to reduce the interest rate, even while using our taxpayer money to prop themselves up, and continue to wreak havoc on the nation. Banks withholding the resources supported with tax money, to lend back to Americans for the sake of business, Banks, who have created more collusion with standards, which are un-attainable in a nation which has suffered full circle credit default.
We have Senators, who can't think their way out of a paper bag, but they can conjure anything to try and support the banking industry's continual hold and control over a nations growth, We have one after the other Senators, who cannot and do not think in real logic terms, their aim, and actions are simply to push for banks to continue to put a strangle hold on a nation. Yet, it is the people of this nation, who's money supports banks existence, it is the people of this nation, who's vote put these Senators in office. And they in-turn, result to simply find ways to keep American citizens indentured and impoverished

Senator's Failure

• No Senator called for a direct and unequivocal roll back of rates on homes bought since 2002, yet all Senators, know the span of time from 2003 to present was the time of predatory habits by Banks, and Fake paper shuffles by Wall Street.

• No Senator has even acknowledged the need to change housing tax assessor guidelines, to put in place a policy where homes cannot exceed 10-15% of the tax assessor valuation. If the appraised value rise, then so does the tax assessors valuation.
  

1. [ THIS WILL PUT A STOP TO SPIRALING HOME PRICES, WHICH LEAVE PEOPLE IN PROPERTIES Which ARE UPSIDE DOWN, ON DEBT TO VALUE RELATION ]
   
2. [THIS WILL MEAN CITIES AND COMMUNITIES, WILL HAVE TAXABLE RESOURCES, THAT MATCH WITH NEIGHBORHOOD HOME VALUES, TO PROVIDE IMPROVED SERVICES, WHEN VALUE ESCALATES AND HOMEOWNER'S DEMAND HIGH LEVEL OF SERVICES ]
3. [HOMESTEAD EXEMPT HOUSING , WILL STILL ENJOY THE % REDUCTION IN THEIR TAXATION ON HOME, IF THEY PLAN AND STAY IN THEIR HOMES FOR NO LESS THAN 5 YEARS. ] {IF THEY ARE FORCED TO MOVE DUE TO JOB RE-LOCATION, THEY CAN NOT BE PENALIZED - BUT THIS ALLOWANCE IS A ONE TIME ALLOWANCE}
   
4. [THIS CREATES NEIGHBORHOOD STABILITY, AND DIMINISHES THE PROCESS OF TRANSIENT COMMUNITIES]
5. [INVESTORS WHO ENGAGE FOR RENTAL PROPERTY, WILL NOT GET THE EXEMPTION ] { THIS LIMITS THE PEOPLE WHO BUY HOMES AND ALLOW THEM TO DECLINE IN UPKEEP AND QUALITY]

INTEREST RATE ROLL BACK: PUTS BILLIONS OF DOLLARS IN THE POCKET OF HOMEOWNERS EACH MONTH, AND THIS IN TURNS GIVE THE HOMES OWNER PURCHASING POWER, TO PATRONIZE THE BUSINESS WHICH KEEP THE CITY PROSPERING, THIS MAKES FUNCTIONAL USE OF THE FLOW OF MONEY. IT PERFORMS FAR BETTER THAN GIVING MONEY TO BANKS, WHO HOARD IT, AND SEEK TO EXTRACT EXTORTION LEVEL RATES FROM PEOPLE, INVARIABLY CAUSING FINANCIAL GRIDLOCK.

Each Homeowner, will realize more cash flow, even with diminished wage earning, they will be able to make their mortgage payments, as well as maintain their other life issue.

• This will give homeowners money to buy insurance for their family.
• They are able to purchase the automobiles which keep our people working.
• They will be able to shop at their local businesses to keep commerce flowing.

This is the viable way to fix multiple things with a single actions.

1. Banks have squandered the money given to them, and nothing has improved, only continued to decline.
2. Money in the hands of people with interest roll backs put the control of cash infusion in the hands of people, and people make the economy robust.

Hundreds upon Hundreds of dollars in the hands of American people in American cities, means American commerce is able to function.

We don't need another tax rebate check, which is like a band-aid fix, we need interest rate roll back, which is a long term repair.

We gain, stability in our real estate markets, and value is added by the stability of the home valuation. Our homes are then poised to earn equity, which improves the value of communities across this nation.

We cannot fix the economy by the malice of giving money to the same people who crashed the economy, and assume they would do anything different. For 6 months of this year, we have seen noting but banks, holding the funds which progress American, and pay themselves another bonus after bonus. And we as people sit silent and assume while the nation falls further into despair.

Foreclosure should be banned. and banks made, to restructure any and all loans when such a challenge of mortgage payments meets distress.
What good can a nation of homeless people serve, when we have a nation of homes sitting empty. All for the benefit of bankers, as they use the defaults as a tax deduction, and resort to pay themselves more and give themselves a bonus for increased failure.

Senator's Failure {Part II}

America could have been on its feet and prospering, if we had Senators, who looked out for the best interest of the American people and not the best interest of American Bankers.

• We elect these people, and their brain goes on vacation, the minute they are confirmed to office. Thinking becomes a lost art.
• They devise collusion, playing "I'm smart games" - all the while they fail to see the simplicity within choices.
• Common logic would state, if foreclosure is the culprit to our current problems, then stop foreclosure, and roll back interest rates, and do so with a firm and fixed interest rate. 4.5% and make it roll back, to this levels as fixed loans, which date back to any homes bought after 2002 up to 2008. Mandate Fixed rate at 4.5% for the next 3 years, to make homeownership a functional activity people can engage. and Let's get these homes occupied. After 3 yrs.. No interest Rate can exceed 6% for the next 10-20 years. This gives our country time to heal, our property times to become stable, and a pathway for equity to be earned.
• This stabilizes this nations most valuable asset. "The American Home"..
• Never again, allow games to be played with the homes of American citizens.

We have enough other commodities, to be traded on the open markets, and we have enough other business models to engage for our pursuits of high risk gains. But we cannot afford the homes of American people to be played with by a series of Banks and Wall Street.

ACTION: Give banks 60 days- absolutely not a day more.. to convert all their home property notes to 4.5% loans, for 30-40-50 years fixed terms.
Make Foreclosure Illegal to engage without first being processed through a organization, which is managed by the Senatorial committee, and without HUD approval, no foreclosure can proceed. This forces the pursuit of modifying terms, and working with the home owner to preserve the home and the integrity of home ownership.

No Banking Lobbist for any matter or concern, will be allowed to confer with any Senators as one on one discussion. Any and all Lobbyist must take their issue or interest to a Senate Panel- that can have no Less than 26 Senators present. This provides for 1 senator from 1/2 of the 50 states. which would work as a Democratic process, where 51% would be a Majority.

Make it a stiff Penalty for any Senator to engage in any discuss with any lobbyist, outside of this committe.

ANY AND ALL pursuit desired by any lobbyist: Must be Posted on the Internet - with a full copy and exacting terms of what they seek, and any impact they perceive it will have upon the public.

[This will convert our system back to a democracy, where the people's voice cannot be bought away by the lobbyist dollars, nor can the lobbyist continue to turn our democracy into a plutocracy. - this allows us to restore Democracy back unto our nation. and remove the corporate Monarchy from usurping the voice and will of the people of a Democratic system.]


American people MUST become again an astute Nation, we have to re-learn to have voice, to remove the tyrannical process that corporations and banks have engaged, whom have run our nation as a plutocratic system, taking away and being controlled by corporations and banks, who function like a monarchy - to support their brand of plutocracy.