OBAMACARE

It looks like all the drama surrounding the health care proposal now making the rounds through the legislative process has everybody a bit on edge. And I'll admit that I'm in that group.

However, I am an advocate for real property ownership. For one can't engage the society and the culture without real property. Real property ownership frees one to address the ills of his community as he sees fit. While those who own no property are limited in those abilities.

Should you wish to have individual freedom to engage, then your money must be invested in real property. And we're here to help.

REAL PROPERTY OWNERSHIP - AN ESSAY

The founding fathers knew some things that only a percentage of our people now know and believe. One of those things, among many, was that ownership empowers individuals and families! In fact, one's ability to hold office, and to vote, was enabled by his proof of real property ownership. A deed to real estate was the ticket to a stake in the country's future!

Well, the country has liberalized to a great degree since then, but the underlying principle is still there. The one who owns real estate has a certain degree of command regarding the course of his life; and he possesses a dignity and freedom not otherwise celebrated.Man has governments under which he must live. But the primary government is self-government under God. And those who do not own property suffer a certain "disengagement" from the society and culture, where property owners enjoy an autonomy and freedom to engage as they choose.

So, there's a form of disenfranchisement in the absence of ownership; and, for those who do own, a real sense of liberation. This same factor had been discussed with reference to the former president's ambitious social security reforms. They were never enacted, but he was attempting to "empower" men and women and families with ownership of stocks and bonds through private investment accounts. And the idea is that ownership "liberates"; and non-ownership "oppresses". A magistrate that promotes private ownership is also promoting freedom. And the opposite is also true: a magistrate that stifles private ownership is promoting tyranny and slavery.

This realtor, as well as others here at Century 21 Advantage, promotes private ownership of real property along with our founding fathers. I do so with vigor and confidence that my effort for my customers empowers them. I champion their enterprises and encourage them as I contribute to their pursuit of freedom and happiness and prosperity.

This essay, should you read it, is meant to promote an awareness of the importance of, and the advantages and benefits of, private ownership of real property. We at Tyler Texas real estate stand enthusiastically ready to help.

PREDATORY LENDERS

Most predatory loan products of the subprime era — the option-only ARMs, liars' loans, interest-only loans and the like — are gone, at least for now. Banks no longer are offering them. But one predatory practice lives on: Lenders don't have to tell you if you deserve a better interest rate than they're offering.

That's why you need to shop! Talk to three lenders, and get them to give you a TIL (Truth in lending) best estimate of your expenses. Then ask for it again before you close!

Shop locally, because a good realtor has some control over local lending practices. He can't steer you to a particular lender (or at least he shouldn't), but he has some clout with those he knows.

As of July 30th of this year, there are some controls coming into place by which lenders are constrained by law to make their Truth in Lending estimates more transparent. But it's up to you to make sure you're getting the best deal available to you. If not, you can always walk away.

Good local lenders are anxious to make good loans. That's how they make money and stay in business. Go see them! Your experienced Tyler Texas real estate agent can help you with transparency issues and save you money.

STRATEGY

All of my readers should sit down at their computers and enter "Cloward-Pivens" into the search block of their favorite search engine. Relax and read what Jim Simpson writes about the radical left's strategy to do great harm to the country, end the capitalist system, and bring in an all new system of government.

Once you do that you'll want to hurry your efforts to buy property in Tyler and East Texas. We're ready for you here at www.johncmartin.com.

BUY NOW

Here are seven good reasons to buy your home now.

1. Free Money. The $8,000 tax credit for first time home buyers is valid through December 1, 2009. This is a special tax credit from the government that you don't have to pay back, as long as you stay in the home for at least 36 months.
2. Affordability. Based on recent property declines and current interest rates, home affordability has not been higher since it was first tracked over 40 years ago. Your grandparents couldn't have received a better interest rate than you can today.
3. Tax Breaks. The IRS allows you to deduct the interest you pay on your mortgage, your property taxes and, in many cases for those who qualify, some of the costs to buy your home and mortgage insurance. Owning a home is a great way to lower your tax bill.
4. Build Wealth. Unlike paying rent, with each mortgage payment you make, you build equity and you decrease your income tax liability. Owning a home is still the best long-term investment.
5. Appreciation. As home prices have fallen precipitously in today's tough economy, the basis for realizing appreciation in future years is very strong. Historically, even with other periods of declining value, home prices have exceeded consumer inflation. From 1972 through 2005, home prices increased on average 6.5%, according to the National Association of Realtors®.
6. Stability. Knowing you can establish roots and raise a family in one location, free of the desires or needs of your landlord to sell the property you are living in. This is something no other investment provides. You can't live in a stock, and you can't raise your kids in a bond.
7. Independence. Enjoy the freedom to do what you want to your home. After all, it's yours to do what you wish. And, with any improvements you make, you have the ability to benefit from your investment. Try that with an apartment!