Tuesday, January 17, 2012

Who really owns your property?

Grandpa was always adamant he had paid his house of 40 years ago, his wrinkled finger pointing menacingly at me in his attempt to make his point a fact. Stubborn I am to get my point across "so if you quit paying your taxes what happens to your house gramps?" He would stomp around "Dont tell me I paid the house off" he would grumble, "so you paid off the bank and now lease from the government?" ohhh he would get miffed and stomp off. He hated that probably because it irked him to think he may in fact be able to learn his most prized possession, his home. He had a right to be, a child of the depression he had came from a family of 13, near starving he fed his brothers and sisters with rabbits he would snare down by the creek, later he would work at the smelter dropping out of junior high school to again help support his family, something that today is an impossibility with our child labor laws, but that is another topic. He like most Americans made the largest investment of his life, the purchasing of a home. He made his payments, made improvements, and would do like any responsible person does, pay the house off. The trouble is the American government has different Ideas, you are taxed yearly on your land (unconstitutional the constitution of the united states of America clearly states there will be no double taxation) upon falling behind on your payment to said government you lose your home, get your crap and get the hell out. Now to make matters worse the government, wanting like any smart investor to increase the value of their property, Makes your property fit their standards, and why not, its a win win for them, the nicer your property, the more in taxes you pay, and of course should you not pay off goes your home to the next person willing to pay your "bill" to the local government to make money off said property. Now we also have your pesky neighbors telling you what you can and cannot do with your property, ohhh they use the excuse "it will decrease my property value", really are you selling Ms Johnson? "well no but if I was to sell" well in the meantime Ms Johnson it is in your financial interest to not complain about the persons property next door as if your taxes stay lower you save money. Now if that doesnt fly because it usually does not, said neighbor will still call complain and do their best to force your investment to meet their standards based upon an argument which is unrealistic and in all honesty is simply based on your creating their world for them. TO make matters worse we have entire groups called HOAs which do their part to dictate how your home will be and how you must live, never was a more Un American idea created in my opinion, sounds an awful lot like our old hated enemy communist Russia  where everyone owned the same crap to be fair. Ohhh now your feathers are getting ruffled I know, but I am not done, we have one more Villain in the entire home ownership Scheme, your insurance company. Now Insurance has stepped in telling us what our property must look like using another fallacy argument "it is a liability" really? What liability is an old car sitting in the yard which does not run? Can it somehow roll over your foot? maybe someone walking by could hook their clothes on a bumper? or in reality is it just some more busy bodies dictating how you will live your life?
To me it is all sad, I do believe that a person should be able to do pretty much anything with their own property, I do not believe in any way shape or form you  have any financial obligation to your neighbors, nor do you to the government other than your Initial tax investment at said time of purchase of your property. After all, the Title of your home has your name on it, nobody elses.

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