Saturday, February 11, 2017

Are Congressmen & Senators Non-College Educated, Too?

Don ran an excellent Presidential campaign that focused on core issues as "bad" (when they weren't) and stirring up so much anti Hillary sediment.  While doing this, he confused rural Americans into thinking because he was a businessman, he was the "only one who can fix it" person.

(The problem with this is that throughout US history, businessmen who became president are some of the worst presidents ever! (Don't believe me? Look it up.)

And, this: "I'm the only one who can fix it" attitude, enabled him to confuse and con the rural Americans into voting for him.  They (apparently) goose-stepped to the polls thinking he was going to be able to do what no other President would or could do.

(Boy, did these rural Americans get conned.  The majority of rural counties (+/-3,100) voted for Don; whereas, the majority of Urban counties (+/-57) voted for Hillary.)

And all during the 2016 Presidential campaign, Don kept saying how bad the Affordable Care Act (Obama care) was.  And, by doing this, he convinced rural Americans that the insurance that was actually helping them, was horrible for them.

However, the problem with Obama care, according to the Speaker of the House, Paul Ryan, was that insurers systematically pulled out of states -- thus enabling one insurer to have a monopoly within that state, that enabled them to charge more money in that state, thus the monthly increase in their premiums.  (And, they were able to do this because of the limited, or very, very weak Federal Regulation.)  And because there was no mandate stating: "You must provide insurance to all," They decided that they weren't making enough money.

Through the years, I've asked why there is no Federal Regulation for Insurers -- just as there is for Federal Mortgages, etc.  You've heard of the 'Equal Opportunity' line when applying for a mortgage, right?

So, why is there no Equal Opportunity for Insurance?

Paul Ryan explains why ACA Premiums increased

The reason is: the insurers don't want any Federal Regulation on their industry, so they continually lobby and contribute (pay off) to Congress person elections to avoid being regulated.

The problem is: Insurers are in the business of making money.  They truly don't care whether or not you are healthy; or, have adequate health care coverage, as long as you pay them your premium. That's all they want.

Oh, and if you want to have better coverage, or have a lower monthly premium, you must have a higher than normal deductible.  (Does this sound about right?)

Affordable Care Act Explained

And, the protests we are seeing at Congressional Town Hall Meetings of these Congress persons from these rural American Counties, is having an affect on them.  Even these supposed Non-College Educated rural Americans are finally realizing that they were conned, too.

These elected Congress persons or Senators are starting to feel the heat that repealing Obama care as Don has demanded -- or even changing it to what the insurers want -- will result in them NOT being re-elected.

This makes me think: Are these politicians Non-College Educated, too?  It's obvious, they didn't understand the Affordable Health Care Act in the first place.

I know that Don still doesn't understand it.  (He claims he doesn't like to read, so, I am guessing that he hasn't read it, nor has anyone around him.)

Don't Change My Health Insurance

So, all you politicians: Maybe it's time that you stop taking insurer's money and start focusing on your constituents, because if you don't; if you continue to support a bad president and his lame policies, you will be out of office the next election cycle.

Ignore Constituents and you are out!

Now, I knew that there was a huge campaign to 'Hate Hillary' this past Presidential Election.  I just didn't think rural Americans would be so easily persuaded as they were.

PS: If running for president, please remember: "Democracy was never meant to be efficient."

Contacting David Howes is easy -- either by: davidATdavidhowesDOTnet OR call him at: 70 25 01 93 88 AND Follow David on Twitter: @DavidAHowes

Saturday, February 4, 2017

If I ever run for President, I will run as a Republican because they believe everything that Fox News tells them.

To me, it is astonishing to realize just how uninformed the majority of US Voters truly are.

In 1998, Donald Trump said, "If I ever run for President, I will run as a Republican because they believe everything that Fox News tells them."

Unfortunately, Don was correct.

In the 2016 Presidential election, out of all the US Counties, Don won 3,100 plus! (I still don't know why these county residents were swayed by the Trump/Bannon hateful rhetoric.)



But, what most people don't realize is that counties Trump won in the US election are the lowest producing economic counties in the US.  The one lone exception that stands out to me is: Maricopa County, AZ.

The sad thing is, Clinton carried the counties, that combined, make up 64% of the US GNP.  Which means that the 57 Counties who voted for Hillary Clinton are more prosperous than all the of counties that Trump won.

Counties with highest GNP

This leads me to know that if a county is that prosperous, and they supply so much economic value to the country, why don't the other counties that are poorer, follow their lead?

I realize that most can't do what most of the more prosperous counties do.

And I believe that the reason is, they don't look beyond their horizon.  They don't see the forest for the trees.  They keep doing the same thing over and over, expecting a different result.

They (foolishly) believed that an arrogant, narcissistic man who said he will bring their jobs back, when in fact 60%+/- of those "lost" jobs (since 1979) never, ever left the country in the first place. (Automation was cheaper for the factory than the human.)

But, instead of re-tooling; instead of looking ahead; these (now old) factory workers longed for their widget making job back.  (Massive mistake.)

So, if 50 counties have more economic power than all of the counties that Trump won, why don't those 3,100+ county leaders do something about it.

Could it be even the leaders of those counties can't get out of their own way?

The bottom-line is:

Trump is NOT going to bring back any of those lost jobs.
Trump will waste money building a "wall" along the southern border when in reality, it is not necessary.  (90% of Illegal Immigrants overstay their visas.  They don't stupidly attempt to cross 100's of miles of open desert.  It is a deadly thing to attempt. I don't care what the Reality TV shows indicate.)

Trump WILL increase the US National Debt by doing things that cost money, without a means or way to pay for them.

Sure.  Trump can cancel overpaying for a new plane; Trump can sign lots of 'Executive Orders' banning Muslims from entering the country (Out of ALL the Muslim nations, he selected the 7 nations where he doesn't currently have a business or operating hotel interest.)

Yet, Trump doesn't know how to play well with others.  Leaks from the White House indicate there is a pending massive exodus waiting to happen.  (And, he has only been President two weeks!)

You can only invalidate some so much before they lose respect for you as a person and/or leader.

(Trump, I believe, thought being President amounted to him just issuing orders; and Congress goose stepping along with those orders without questioning him.)

Sooner or later, (I hope sooner) the non college educated voter will realize just how stupidly they were selecting the man with the big mouth spewing hateful rhetoric.

And I hope and pray somewhere within the walls of Congress, an impeachment process is lingering.

If Obama had tried to do any of this stuff that Trump is trying to do, the GOP would already have begun the impeachment process.

Democracy was never intended to be efficient!

Contacting David Howes is easy -- either by: davidATdavidhowesDOTnet OR call him at: 70 25 01 93 88 AND Follow David on Twitter: @DavidAHowes

Thursday, January 26, 2017

And that is the way it should be!!!

The Nevada Supreme Court upheld the HOA's right to foreclose on a property which voids any and all mortgage liens that affect the property.



If you are a lender, bank or investment company, and you don't keep an eye on your investment, then losing your interest in that property is the end result.

HOA Auction Story

A few years ago, I went to one of these HOA auctions to check it out.  I soon learned that I didn't have enough money to compete with 99% of the investors there.

But, I watched, listened and learned just what these investors already knew.

Acquiring a property (usually a SFR/condo home) at an HOA sanctioned auction was the best way to acquire one for under market value. (Please keep that between you and me!)

And, the winning bidder receives the property for cash free and clear.

When I was there, two investors continually tired to out bid one another for a home.  The property was eventually sold for $151,000.  I learned that the losing bidder just hadn't brought enough money to the auction.

Later, I looked the address up and discovered it was a Summerlin mansion that the owner couldn't afford the HOA payments on anymore.  The HOA foreclosed, did their necessary disclosure work, held the auction and the bank was out!

And, while there, I noticed that a lot of the homes being auctions off were already bank owned and the banks simply just didn't pay the monthly HOA fee.  Thus, the bank had foreclosed on a property, added it to their asset list and simple stop maintaining the HOA monthly fee.

Well, the HOA needs that Monthly assessment to maintain their communities. So, too bad, Mr. Bank.  I truly don't feel sorry for you for any bank or mortgage company that created and funded those horrible loans 10 to 12 years ago -- just to sell loans on the Secondary market.

And now the bank are considering bring them back, again?  Obviously, the lesson wasn't learned.

Sure, let's buy a home (we can't afford) on a 100% LTV stated income loan!  Stupid is what it is.

Now, hopefully, I will close a few more deals; and then, I will have a little more extra cash to try the HOA auction process again.

See you there!

Contacting David Howes is easy -- either by: davidATdavidhowesDOTnet OR call him at: 70 25 01 93 88 AND Follow David on Twitter: @DavidAHowes