There was a time when a home was a place to live, a place
where you raised your family, a place to grow your garden, plant your flowers
and watch your fruit trees grow to full maturity so you could eat the fruit
they would bear during their lifetime.
Sunday dinner called families home to a table with meals
cooked with food grown in their own garden or nearby. Home was where you grew
old with your life partner; it was a place to die, remembered, by those you
loved and who loved you.
Today your home is a speculators bet, a henchman's noose.
Your home has become a tool of a political fraud scheme so
massive that it touches the lives of every American, man, woman and child.
There was a time when families worked to pay off their mortgage so that they
knew they owned their home free and clear. The mortgage burning was a cause for
celebration. No more. Now people determine what the maximum payment is that
they can afford, and speculate on internal rates of return, tax deductions, and
how fast they can flip their 'home' moving on to a larger home, a new
neighborhood, different friends.
What has happened to America?
Several times a week you receive phone calls, either from a
machine voice that oozes cordiality or from an eager human being who wants
desperately to arrange a new mortgage for you. Easy. Quick. Acceptance
guaranteed; words that flood into your ears along with the avaricious longing
they cannot hide. Do you think it is smart to borrow 125 percent percent of
your home? Ask yourself, "Why would anyone, even a loan-shark lend someone
25 percent more than it is worth?
You watch the supply of new homes on the market grow ever
larger. For awhile you saw those shiny new houses on tiny lots going up in
price as they sold like hot cakes. Then you noticed that they were lingering on
the market; in many areas, specials began appearing. In a few areas, offers of
assistance from local government appeared. No down payment signs went up.
If you paid attention, you noticed that the developments
were new 'planned communities,' on small lots coming complete with Homeowners
Associations with "Restrictive Covenants" whose rules, restrictions
and bylaws make the contract you signed to buy the house look like a parole
agreement instead of a general warranty deed. If you perused those
restrictions, you might have discovered that your 'ownership' includes big
fines if you try to do things like change the color of the paint, grow
vegetables, put up an antenna, or alter the appearance of your home in any way.
If you are like most new homeowners you did not bother to check before signing
on the dotted line. They are planned all right, behind the closed door of the
Those new homes look good � but they are covered with
petroleum based vinyl siding that will literally be falling off the building
after the Polyvinylchloride is decayed from ultraviolet exposure in 10 to 20
years. Then consider that owners will not be able to afford to re-side their
homes, and most importantly the warranty will just have run out. And what about
restrictive covenants that are so intense that you can't have your family over
on Sunday because you can't park more than two cars in the driveway at any given
time without having your homeowners association fining you and trying to take
away your home for the lien they placed on it for your breach of the
restrictive covenants? As for growing a garden to feed your family in an
economic crisis, well you can kiss that goodbye, because it violates the
covenants as well.
Ask yourself, is this how we should be living? What else is
wrong with this picture?
Welcome to the non-ownership homeowner club. In this world,
the New World Order, so carefully planned for you, we call it the New Serfdom.
Serfs were entitled to the use of their land; they were also tied down by their
land, tightly restricted.
Serfs could escape by fleeing to a free town, remaining
there for a year and a day. No such luck now; No escape for you.
If you were really renting, the owner would be responsible
when the place, built unbeknownst to you with shoddy materials and workmanship
to cut the real cost, started to fall apart. This way you are the one who pays
Recent changes in the bankruptcy laws are intended to
viciously slander, defame and entrap you into lifelong slavery to your debts.
This is not physical incarceration, it's financial imprisonment, and it's
available, anywhere to anyone over the Internet. Today you can't even rent an
apartment without a credit check.
The house you bought comes complete with built-in 120/240
VAC infrastructure that ties you to buying electricity from your local electric
company. Those costs will continue to rise as long as you live. The house
itself is built according to construction code, which sets standards (or the
lack thereof) that derive from the 'balloon' houses built in the immediate
aftermath of WWII. These were cheaply built, row houses, with no personality,
no differentiation, thrown up to solve an immediate problem and never intended
to last and they didn't. But the construction technology remains with us today.
These houses look good -- for awhile.
Housing that lasts does not cost more; in fact, it can cost
less. For the same money you could have had a home with better insulation, more
square footage, and using materials that are far more enduring. You could have
had a home that produces it's own electricity, captures storm water in a
cistern, is cleaner and less subject to biological contamination and mass
pestilence. But that would not create a continuous source for income and the
building industry and government would not be nearly as profitable. There would
be nothing to tax.
Third world countries have far more options that provide better
housing for less.
The present mortgages being pushed out there that are
intended to leave you destitute, they are intended to effectively make you a
tenant, renting forever, stapled to a place that makes sure you never get out
In this New World Order, your life has been carefully
planned out, so carefully planned in fact it isn't far from actual slavery.
Your local government is now looking for ways to bring in
more income, and recent laws that have been passed allow local developers to
steal your property if they can prove a higher tax use for the property.
Local governments are becoming very inventive about fines
for things like not cutting your lawn, putting in condo's where a single home
rests, or converting historical districts into commercial zoning locations to
drive up tax revenues.
Variable interest rates in a real estate market that has
imploded will eventually bring you up against the reality that you couldn't
sell the place for what you owe on it. So what happens when you can't make the
There has been a lot of talk lately about "Mortgage
Fraud." Recent media attention has been focused on one or two bad real
estate agents who act in a civil conspiracy with an appraiser, a lender where
they loan money on houses that don't exist. Yet little or nothing is done to
prosecute those sneaky bastards in Washington who have crafted the perfect
enslavement scheme, designed to perpetuate their tax revenues by manipulating
the housing market in a corruption enterprise that makes all the organized
crime families on the planet look like 4-year-olds.
There are exits from this grid and other grids; think about
Sunday dinner with those you love. Think about the values that made life worth
living for generations of Americans. Think about what home actually represents.
Think community, neighborly cooperation, sharing foods we grow, or other goods,
thereby reducing consumption that stops the theft of your hard-earned money.
America still has lots of communities and small towns in
places where getting off the grids can do much more than cut your costs. You
can have a life, a place for family and social bonding. You can build
relationships with neighbors; be part of a community that stands on its own
through tragedy, want, and celebration, meeting the needs of those who live
there using innovation and a capital of trust founded on tolerance and caring.
You can stop the outflow of local capital to big corporations who put nothing
back in the community, and export hard earned capital to remote locations. You
can stop their destruction of the America your mother and father knew.
Communities, places where enduring values that once made
America great are still possible because most Americans still want just that.
Sometimes the problems that confront us are also opportunities. Remember that
in the coming months. No matter how you feel when you look at that pile of
bills you are not alone. Together we can rebuild America and make homes for
those we love.
Pillsbury-Foster is the granddaughter of Arthur C. Pillsbury. AC invented the
first circuit panorama camera as his senior project at Stanford in 1896 while
majoring in Mechanical Engineering. She has been studying the market and
economics through the filter of politics and anthropology for twenty years. Her
political blog is How
the NeoCons Stole Freedom. She is presently working on a book titled, �Off
the Grids to Freedom in One Easy Lesson.�