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Real Estate Taxes/Collusion/Graft

Thursday, August 29th, 2019

by: Marceline Donaldson

It never ceases to amaze me how many people are willing to take part in an obvious rip-off of others with those “others” including themselves and they do this for nothing – mostly not even realizing the rip-off. How many “good” people are willing to ‘go along to get along’ turning their backs to the suffering of others caused by their ‘head in the sand’ attitude towards life.

Real estate taxes is one of those areas. A collusion between the banks and the government entity levying the taxes.

Take a close, clear look at what that is all about.

Many government entities, which have decided to charge real estate taxes to those within their boundaries join the corporate and financial mafia which is totally ripping off the average citizen, daily, and these government entities contribute their share in that kind of enterprise. They join in making the banks overfed, arrogant and with an attitude that the banks rule.

How does that happen?The right to collect real estate taxes is declared and the reasons and areas which will benefit are also outlined. Those having to pay the taxes are in general agreement because they see the benefit to themselves and their generations to come.

And then things go off the rail. What enters is graft, theft, rip-offs, greed, power and much more.

How could something which started off as a benefit become such a tool to the grifters and others who insert themselves into the process? Think about who benefits before the real estate taxes you pay reach their destination. Very few people pay their real estate taxes to their government entity. Their taxes are collected by the banks. When they sign for the mortgage they are given a story which is clearly not true as to why the bank should pay the taxes. They are convinced that is the best way and their mortgage papers have a clause they have to sign – even under duress or they don’t get the mortgage – that the bank can take over paying their real estate taxes at any point the bank decides. That means many who start off paying their taxes directly to the government entity, in a short time receive notice from the bank that their mortgage amount is increased by the amount of real estate taxes and it must be paid at the same time their mortgage is due.

Real Estate Taxes have made the banks of America fat, overly arrogant, feeds them for free so they can do their thing in other areas ignoring their customers and much, much more. It is free money for six months. Money the banks knows will come in on a certain day and will remain for the next six months. The banks know that will continue for the life of the mortgage, which in some cases is 30 years. Billions and Billions of dollars free – from John and Jane Q. Public.

The public could put that money monthly into a savings account if they so decided and receive interest payments at the retail market rate. They could buy bonds which come due a few days before their real estate taxes and receive appreciation and interest. They could do a number of things with their own money and earn for themselves instead of giving that money to the bank to be held – for free. The banks are not charity organizations to whom you contribute because of the good humanitarian work they do.

Think of what a bank can do and is doing and has done around real estate taxes. The billions and billions they collect and use to up their bottom line comes from the hard earned money of John and Jane Q. Public who makes the money by hard work and gets zero return on his or her dollars because the bank’s evil geniuses have figured out how to set in place such a system and make it palatable to the general public. It is normal – is what we’ve heard. Everybody has to pay their taxes to the bank – we’ve also heard. And how does that make it right – we are asking?

Today you are required or convinced by the bank’s smooth talk to make mortgage payments to the bank which include your real estate taxes. The bank’s requirement is that you make these tax payments to them six months in advance. The bank holds that money – can use it anyway they choose – and for six months they have money in the billions on which they don’t pay anything to the people whose money they are holding. Banks have billions of dollars they can use – free – to do whatever they choose and they don’t have to answer to anyone for the money nor pay interest nor anything else on those real estate taxes which they hold for fully six months.

If you have a 30 year mortgage, the bank knows that for the next 30 years they have your money to use for free for six months ongoing for the next 30 years.

And then come the games.

Foreclosure and default are very lucrative for banks. If you pay your mortgage plus interest in full and do not pay your real estate taxes to the bank you are found in default for money owed to no one. but which the bank has declared a part of the repayment of your mortgage and they hold that you are in default or foreclosure because the real estate taxes you do not owe have not been paid.

We have been contacted by people who are in default on their mortgage and some who are in foreclosure. Those in default have had massive fees added to the mortgage amounts in spite of the fact that their mortgages were paid in full and on time. For three months they did not include the real estate taxes because they figured out the game the banks were playing and refused to go along. They contacted the bank and said they were going to pay their real estate taxes directly to the government entity and the bank said no. That is not possible. If you don’t pay directly to us and if you don’t pay six months in advance of when the amount is due you will be held in default after three months of not making those real estate tax payments to the bank.

They have tried to send money each month to the government entity – which was fine, but because it was not in the bank, they were found in default by the bank when, in fact, there were no monies due because the government entity had been paid.

So, in spite of their mortgage having been paid in full and on time – and their real estate taxes having been paid six months in advance of their being due, but directly to the government entity instead of to the bank, the bank put them into default and a couple such people we knew about into foreclosure for not paying monies they didn’t owe. The problem was resolved, but with the bank keeping the many fees charged because the mortgage had been declared in default and with the other family, the fees kept because the mortgage was in foreclosure.

The bank, knowing the real estate taxes were paid in full ignored that and paid the government entity the real estate taxes in full. In another case, the bank overpaid the taxes because they needed the extra few thousand dollars they overpaid to throw the family into default on their mortgage. In another case, the bank paid other bills, which they had no right to pay, but which they did anyway causing the family untold problems to work through and all of that with attorneys – causing the family to expend even more money. Is that fear and intimidation?

One such person had an agreement with their bank that they would pay their own real estate taxes. After several months of going along with that, the bank notified the person that their real estate taxes needed to be escrowed in addition to paying the mortgage. They refused because they had a different agreement going into the mortgage – the mortgage was paid on time and the real estate taxes also. The family put real estate tax monies into bonds which matured in six month increments so they could use that money to pay the government entity. That didn’t matter, the bank wanted the money to use for its own purposes, for free and demanded that their mortgage holders pay their real estate taxes directly to the bank or face foreclosure.

Did you know the bank can attempt to foreclose on your property even if your mortgage plus interest is paid before its due date and in full?

Into this money game – enter the government entity collecting the real estate taxes. They have several games they play in collusion with the banks.

  1. They go along with the banks demanding that the real estate taxes be paid six months in advance and the money held by the bank – without recompense to the mortgage holder. And, on one account we saw where the mortgage holder paid an average of $5,000 to the city for real estate taxes over six months, that mortgage holder’s bank was one of the more generous banks paying them $.31 interest on their $5,000 for six months.
  2. Enter the elderly. Many government entities have passed laws which say those over 65 – although some say those over 75 – may defer their taxes on their property until either they die or sell the house. The interest on such ranges from 3% to about 7% depending upon the amount of interest so stipulated by the particular government entity.
  3. Enter the games against the elderly. Some government entities on their admin side don’t want that, but it was passed anyway. So the admins and their managements have found a way to by-pass this. They make sure to discombobulate, to dissemble, to refuse to accept the applications from the elderly for such deferrals. Many we have encountered are very good at this pushing away and not accepting applications yet claiming the applications were not complete, not offered, not submitted, etc.
  4. If that doesn’t work and the elderly person is particularly good at dealing with bureaucracies what then comes into play is the collusion between the banks and the government entities. The government agrees that the application is complete, good, passed on positively and the elderly person sends it to their bank holding their mortgage and the bank refuses to honor the deferral.

5. Given the fact that the bank should not be able to dishonor such an application, especially if the equity is substantial enough to insure the taxes will be paid upon the person’s death or sale of the property – the bank refuses to accept the deferral and does not have to give a reason. Just a blanket refusal. We call that bank-greed and elder-abuse.

6. We call it bank-greed because we have tracked down a few such instances and have found that there will be people in the bank with their eyes on a particular property where the elderly owners are going through this process and they want to buy the house, but not at the retail price which everyone else has to pay. With machinations, the elderly person is, in effect, swindled out of their property and the city or bank person goes away happily owning a new piece of property or have passed it on to someone who gives them a kick back.

7. The rub from all of this is that the elderly person will generally wind up without their property living in subsidized elderly housing and the person paying that bill is John Q. Public who was swindled by the banks and the government entities in the first place in this real estate tax dealing. So that swindle comes around again and payment is extracted again from the tax paying public.

There is a whole lot more to this than the above and we encourage you to send us information from your experiences. We will continue to write about it in installments so that you can see how banks, taxes, mortgages, government entities work hand and glove in ways we feel are illegal, but they feel as their right against those working hard to put bread on their tables and keep their heads above water let alone attempting to do anything more that they deserve because of their hard work over a lifetime.

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You can send a check to Bettina Network, inc. P. O. Box 380585 Cambridge, MA. 02238 to support this blog! Please make your check out to “Bettina Network, inc.” since the blog income is not the foundation income.

If you prefer your gift go to the Foundation, make your check payable to Bettina Network Foundation, inc. The money we receive for the Foundation currently is going to support the Wells Fargo Boycott.

_________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net





Come for Tea!

Tuesday, February 12th, 2019

One of the best ways we have discovered to stay healthy and away from those things like colds, the flu and other such diseases and infirmities is through drinking different kinds of tea.

NO – not the tea bags you buy in the store which you bring home and drop into hot, boiling water thinking you have done something great for yourself, but the drink you have thought about, analyzed and see as helping you and giving you lots of enjoyment and nutritional nourishment during the drinking.

We will give you one of our tea recipe’s if you respond and give us one of yours.

BETTINA TEA Number One

For this tea you will need the following:

Organic parsley

Organic ginger root

organic lemon

Fill a pot full of water. Which size pot depends upon how much tea you want to make. This tea gets better with age. Brew it today and let it sit on the stove overnight so you can have more when you re-heat the pot tomorrow.

and for all of you southerners – you will need, in addition, organic turbinado sugar to turn this innocent drink into ‘sweet tea.’

Squeeze a lemon into the pot of water. If the pot is quite large squeeze two or three lemons into the pot.

Chop the lemon, after you have squeezed the juice into the pot of water, rind and all, into small pieces and put this into the pot so the only thing left is the end of the lemon which attached to the tree. It may be perfectly respectable to use this piece of the lemon, but we prefer to throw it away.

Ginger Grater – one of many kinds. The sharper the teeth the better the grater. Steel, ceramic – they all suffice.

Using a ginger grater, grate a fairly large piece of the organic ginger into the pot of now boiling water. Again the size of the ginger root you use depends upon the size of the pot of water and your taste buds.

Pick the parsley leaves off the stems and put a generous hand full of parsley leaves into the still boiling water.

Cover the pot and let it simmer for as long as it takes the parsley leaves to dissolve so when you drink the tea practically every drop has a remembrance of parsley.

For those of you who can’t resist – immediately before serving, put your organic turbinado sugar into the pot and let it simmer about two minutes.

Or, if there are those who don’t want sweet tea and you do, put the sugar in your cup and then pour in this BETTINA TEA Number One.

The taste is fantastic. It relaxes you instantly and just think for a moment about the incredible nutrients sliding down your throat and going into your body to increase your well-being.

Enjoy! And may you live as long as you have something to give or receive.

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Learn More About How We Use Your Donation!

Donate to Bettina’s

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Select Payment Method
Personal Info

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This is a secure SSL encrypted payment.
Billing Details

Donation Total: $5.00 One Time

{amount} donation plus {fee_amount} to help cover fees.



Project 1 – Estate Sales after the Sale

Project 2 – #WellsFargoBoycott

Or you can send a check to Bettina Network, inc. P. O. Box 380585 Cambridge, MA. 02238 to support this blog! Please make your check out to “Bettina Network, inc.” since the blog income is not the foundation income.

If you prefer your gift go to the Foundation, make your check payable to Bettina Network Foundation, inc. The money we receive for the Foundation currently is going to support the Wells Fargo Boycott.

_________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com


Chinese Students and U.S. Conferences, cont’d

Monday, August 13th, 2018

Thank you for the blog in which a member of the Bettina Community wrote about his experiences trying to get a visa to attend a conference.

I have had the same experience of late and many times. Twice this year I applied for visa’s to attend conferences in the United States. The visa’s were not denied, they just didn’t arrive until two days after the conference started. Unfortunately I already had my airline tickets and accommodation reservations so I lost a bit of money. Rather, my institution lost a bit of money.

Last week Trump talked about all Chinese students in the United States were spies for the Chinese Government. I wondered at the time if that is how he is going to try to justify his visa policy keeping scholars out of the United States when they attempt to apply for visa’s to attend conferences.

I would like to add a look into the future at what is beginning to happen which will take care of that kind of meanness of spirit and bigotry the Trump administration is displaying. A change that will be negative for the United States on many levels. Conferences that are normally held in the United States are being put together to be held in other countries. It will take a couple years for that to be felt but it will negatively impact researchers in the United States as well as the United States economy. Not a large part of the economy, but conference attendees from the U. S. will spend money on airline tickets, but everything else will be spent in another country – accommodations – food – entertainment – touristy things, etc. Conference attendees from other countries will not even spend airline ticket money in the United States. All of their expenditures will go to other countries. So, in the long run, while this is really hurtful today, by 2020 that should be turned around and the United States will be on its way to becoming a lesser light in many important research areas through Donald Trump’s use of visa’s to be really mean against those who are not immigrants, nor trying to settle in the United States, but simply would like to attend a conference being held in the United States over a few days or a week or a couple weeks.

That is probably what will happen in several areas where Trump is trying to exert power over other countries. In this case, there are alternatives which will be good for research and collaboration because it will put those from other countries on a more equal footing and gradually they will surpass the United States. In other non-science areas the same thing will happen and you owe it all to your current president and his friends and allies.
______________________________________________

Learn More About How We Use Your Donation!

Donate to Bettina’s

$
Select Payment Method
Personal Info

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This is a secure SSL encrypted payment.
Billing Details

Donation Total: $5.00 One Time

{amount} donation plus {fee_amount} to help cover fees.

______________________________________________

Everything talked about in this blog and in any other blog in the Bettina Network, inc. is the opinion of the person who wrote the blog and does not necessarily represent the opinions of Bettina Network, inc. It is the property of Bettina Network, inc. and/or the person who wrote the original blog.
Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you. Please also tell us if you want your name as your byline or if you want your article to appear without your name.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net


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