You WILL Prosper With Tax Changes!

Highlights: Change taxes so Landlords/Corporations will gain more in Business than they do now in Rental Housing. Then they will sell their Units to non-profit organizations or Tenants and then reinvest in Business to produce much more goods, services, JOBS, income tax, sales tax, and business tax!

Tenants will gain equity yearly thru DECREASING rent! Let’s say the annual assessment shows the apartment equity increased by $2,400. The Tenant will receive the full equity with a $200 monthly rent reduction! Tenants will receive the equity that Landlords now take, and Condo Owners receive when they sell. A 5-year renter in a nonprofit Apartment could gain $30,000 in equity, just like a condo owner!

Many more families will buy houses due to true supply and demand prices! We all will have more money to buy more things and be prosperous! 

There will be “A Better Life 4 All“(TM).

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START OF ARTICLE:

Our Main Objective is to reward Landlords/Investors to invest in Business instead of Rental Housing. This will reduce Housing costs for everyone. Our Nation’s Economy will catapult upward if much of the money now invested in rental housing is reinvested in business for the production of much more goods, services, JOBS, income tax, sales tax, and business tax! The sooner Landlords sell the more they will gain tax-free because housing prices will continue to drop! Everyone will have more money to buy much more goods and services! There will be “A Better Life 4 All“(TM).

Note: Tax Changes to stimulate Economic Sectors could mean low-tax, no-tax, or even subsidies. Tax changes to stifle Economic Sectors mean a tax increase.

TOPICS:
Our Main Objective>
What You Can Do:
Tax Changes Defined>
Recommended TAX Changes>
All Tax Reductions will return more Tax>
America’s Faulty Taxation & Stimulus Strategy.
Our Vision of Taxation & Stimulus Strategy:
Let’s reward the Investors!
Ex-Landlords will become even Richer!
The New Tax-free SBA Business Fund>
Stimulating Large Business Sectors>
Financing Construction and Purchase of Apartments:
Preventing A Disruptive Shock.
The building industry will get a boost.
BAMBOO can provide Vast, Renewable building materials!
BAMBOO Can Rescue Civilization!
Enhanced FHA Loans for New Homebuyers.
Current Homeowners can move up.
Even Welfare Recipients will Prosper>
Worldwide Housing Crisis.
America will SOON die Economically!
Rescuing America from Financial DEVASTATION!
Now housing prices are skewed way up!
Young Families have no chance for Prosperity unless…
Rental Housing is destroying America!
Feudalism is Suffocating Capitalism!
Socialism NO. End Feudalism YES!
Ben Franklin’s MARVELOUS Plan to Wealth!
Solving California’s Housing Crisis!
California Civic Engagement Project’s 7 Ideas.
Managing Non-Profit Apartments>

AKA: Prosperity For Most Americans.
AKA: Reducing Poverty In America.
AKA: Make Business more Profitable than Housing.

Ex-Landlords/Investors will become even richer as tax-free (or reduced tax) business investors! These businesses will greatly increase the production of housing, goods and services, JOBS, income tax, sales tax, property tax, and business tax so there will be “A Better Life 4 All”(TM)! Investors will be able to invest in several new, tax-free (or reduced tax), perhaps even Subsidized>, prosperous, and Economy Propelling ways:

  1. A New Tax-free SBA> Business Fund> to stimulate selected small business sectors.
  2. New Tax-free and Federally guaranteed Loans> for the construction of New Apartment Complexes and the purchase of Existing Apartment Complexes.
  3. Have Tax-free FHA> guaranteed loans so lenders retain all interest profits! This will finance new homeowners! Downpayments can be reduced even more to provide most people the “American Dream!”
  4. Have Tax-free loans for new businesses so lenders retain all interest profits! This will finance new businesses!
  5. Have Tax-free investment funds to stimulate economic sectors like BAMBOO (BAMBOO Can Rescue Civilization!) or construction!
  6. New Tax-free stocks selected> by the Federal Government to stimulate selected big business sectors.
  7. Ben Franklin’s MARVELOUS Plan to Wealth!

.

The New Tax-free SBA Business Fund will be much more lucrative than investing in rental property that has a 5% positive cash flow. The fund can be Tax-Free, with High Gain, expertly managed by the SBA, with no risk (federally insured), no-load, and open-ended. This is an investor’s dream come true! This tax-free fund is a CHEAP way to stimulate our economy WITHOUT taxpayer money!

This will Propel our economy! More people will have JOBS, making more money, paying less rent, and buying more goods and services than ever before. The Rich will get richer and all the rest will have a better life, a much better life!

We all will have more than ever before!”(TM).

All Americans will profit from this plan; we have the voting power to make “A Better Life 4 All“(TM)

This is the best solution to California’s affordable housing crisis we have ever seen! Just as important, this solution will greatly increase the economy by greatly increasing the production of goods, services, JOBS, and income and business tax revenues! Apartment complexes can be sold to new NON-PROFIT organizations to rent at true supply and demand prices: much lower than today’s rent prices! This solution will allow most tenants and low-income homeless to gain equity in their housing while paying a TRUE (much lower) SUPPLY AND DEMAND price!

Return to Topics>.

Now housing prices are skewed way up because wealthy investors compete against each other, so they can profit from renting housing to low-income people who have very little chance to match the purchase price paid by the wealthy investors! This solution encourages investors to invest in businesses rather than residential housing. New businesses will greatly increase the production of goods, services, JOBS, income tax, sales tax, and business tax!

Note: the tenant is now paying the true supply and demand price PLUS an ever decreasing profit to the landlord, and the tenant is LOSING the equity buildup taken by the landlord!

Today’s Young Families have little or no chance to buy a house, little or no chance for Prosperity unless we enact these tax changes! Young Families can not outbid big Landlords. Encouraging these Landlords to invest in Business will allow Families to bid against each other to bring housing costs DOWN to true supply and demand prices!

America’s Faulty Taxation & Stimulus Strategy. The history of taxation strategy in the United States appears to be maximum tax revenue. We believe this to be an incorrect strategy. The Laffer Curve> has been used to maximize tax revenue by increasing taxes until tax revenues start decreasing when investors and workers become discouraged from participating due to high taxation. This strategy has not raised enough to pay for the necessities: public programs, works, services, infrastructure, education, health, welfare, defense, etc. Debt interest and stimulus money add even more to our growing HUGE National Debt: $28.4 TRILLION at the end of 2021

Return to Topics>.

Our Vision of Taxation & Stimulus Strategy: The goal of taxation> should not be to raise maximum tax revenue, but to raise the quality of life for all Americans to its maximum! (Quote from aBetterLife4All(TM) March 2022.) Just enough tax revenue should be raised to pay for the necessities: public programs, works, services, infrastructure, education, health, welfare, defense, etc. Debt interest and principal will start DECREASING with our strategy!

Instead of trying to maximize revenue, taxes can be set to channel huge INVESTOR money into sectors that need stimulating and away from sectors that stifle Capitalism. This is a CHEAP way to propel our economy WITHOUT taxpayer money! This will greatly stimulate the production of goods, services, and jobs! This will greatly increase income tax, sales tax, and business tax revenues. This increased tax revenue should pay for our necessities and start paying down our National Debt!

Let’s let the investors, not the taxpayers, stimulate Capitalism. Let’s let those investors gain great rewards by not taxing them; let’s give investors incentives to PROPEL our economy! This is done in a small way now: some bonds are tax-free to attract investment money.

A low tax rate on the SBA business fund will stimulate a large portion of our economy: small businesses that employ almost half of American workers!

Stimulating Small Business Sectors with Investor Money: The SBA Business Fund can Finance the sectors that need the most help. Or for independent investors, the IRS can adjust taxes to stimulate economic sectors.

Return to Topics>.

Stimulating Large Business Sectors with Investor Money: For Large Businesses, those traded on the Stock Markets, every year the federal government could select stock sectors and adjust capital gains taxes up or down for one or a specific number of years. This will stimulate or depress chosen economic sectors.

Let’s Reward Investors to Stimulate our Economy! Instead of using tax revenue for Stimulus money, let’s encourage Investors to Stimulate our Economy with no or low Capital Gain Tax!

Worldwide Housing Crisis. Many countries have this Crisis. We believe all these Housing Crisis Worldwide can be resolved with our Tax Strategy!

America will SOON die Economically unless Investors invest in Business instead of Rental Housing!

Let’s reward the Investors by letting them get richer by not taxing them when they invest in Business!

Now Landlords Investing in Rental Housing is a Dead-End for the Tenants, the Landlords, Capitalism, and America! What is happening is the percentage of a renter’s income for housing is ever increasing (now 50-75% or more!), leaving less and less money to buy goods and services. Landlords are receiving less and less positive cash flow (average now only 5%). Some landlords lost their rental houses and even lost their own homes. These numbers are getting worse! This is suffocating the Capitalistic cycle.

NOW, today, without any tax changesBen Franklin’s MARVELOUS Plan to Wealth> is a far better plan than the average current 5% positive cash flow of today’s Landlord! Ben’s plan will benefit everybody; it will benefit our Nation.

Most of today’s Tenants, Peasants in the eyes of most Landlords, will have much lower rent and even gain equity and have much more money to buy many more goods and services! The Rich will become richer and there will be “A Better Life 4 All“(TM), a much better life 4 most of us!

Socialism NO. End Feudalism YES!

We work in Capitalism> but live in Feudalism>: almost half of Americans are impoverished Tenants, Peasants in the eyes of most Landlords, living UNDER huge Landlords! Now the Landlords gain equity while the Peasants pay for it and gain nothing.

Strict Socialism> allows no private ownership; this is unacceptable to most Americans. Many things in America are publicly owned: police, fire departments, libraries, roads and highways, the military, etc, and there are many State-owned corporations>.

Taking Apartment Complexes out of private hands will create aBetterLife4All(TM)!

Return to Topics>.

Recommended TAX Changes to make Business more profitable than Rental Housing.
Change the tax laws so Landlords will benefit from selling rental housing. This will reduce Housing Costs. The sooner Landlords sell the more they will gain tax-free because housing prices will continue to drop! Then reward Landlords who invest in business to create more goods, services, JOBS, income tax, sales tax, and business tax! We all will have more money to buy more goods and services!

  1. Change tax laws so Landlords make little or no profit on Apartment Complexes and/or more than say five rental Houses. These new taxes paid by the Landlords can be refunded to the tenants living in those units! However, one goal is for the Landlord to sell to people who want to own their own housing. The sooner Landlords sell the more they will gain tax-free because housing prices will continue to drop! Another goal is for Ex-Landlords to get richer with Tax-Free Business Investments to produce much more goods, services, JOBS, income tax, sales tax, and business tax. The results: More people will have more money to buy more things. Then there will be “A Better Life 4 All”(TM).
  2. Change the capital gain tax laws so a Landlord can sell those excess, profitless units without paying any or much capital gain tax if the Landlord reinvests in any business stimulating programs within one year. The sooner Landlords sell the more they will gain tax-free because housing prices will continue to drop! Tax revenues will not be lost, because landlords would not sell otherwise.
  3. Establish tax-free and Federally guaranteed Loans for the construction of New Apartment Complexes and the purchase of Existing Apartment Complexes.
  4. Establish a Business Fund thru the Small Business Administration (SBA). This fund can be Tax-Free, with High Gain, expertly managed by the SBA, with no risk (federally insured), no-load, and open-ended. This is an investor’s dream come true! This tax-free fund is a CHEAP way to propel our economy WITHOUT taxpayer money! And more profitable than a Landlord’s 5% positive cash flow!
  5. And/Or More government money for start-up businesses could be provided through the Small Business Administration and other resources. The government will get their money back later when new businesses prosper. Of course, employee income tax and state sales tax will be collected even during the first five years.
  6. Have Tax-free FHA> guaranteed loans so lenders retain all interest profits! This will finance new homeowners! Downpayments can be reduced even more to provide most people the “American Dream!”
  7. Have Tax-free investment funds to stimulate economic sectors like BAMBOO (BAMBOO Can Rescue Civilization!) or construction!
  8. Have Tax-free loans for new businesses so lenders retain all interest profits! This will finance new businesses!
  9. Change the capital gain tax laws so every year the federal government could select stocks sectors and adjust capital gains taxes up or down for one or a specific number of years. This will stimulate or depress chosen economic sectors.
  10. Change tax laws so a new start-up business would be tax-free or low taxed for say the first five years (10 years in New York, now). Each person could have one or a few tax-free chances to start a business in their lifetime.
  11. Limiting the number of rental units and the number of tax-free start-up businesses per person provides prosperity to more people because more people will own their own housing and businesses. Prosperity will also increase because most people will have more money to buy more goods and services due to increased productivity requiring more jobs.
  12. Change tax laws so anyone under 25 years old pays no income tax. This will give more people a chance to succeed and pay more taxes later.
  13. Change the tax law so that housing builders and their investors pay little or no taxes on profits for say the next ten years. This is an excellent way to stimulate the building of new housing. Stipulations could be applied, as in where and what to build.
  14. Change laws to balance the trade deficit, so more goods, and jobs will be produced in the USA.
  15. Reduce building permits from $25,000 in CA to $6,000 like other states
  16. Ease the Environmental Protection requirements.

Return to Topics>.

All Tax Reductions will return more Tax by the additional production of more housing, goods, services, and JOBS that will increase income tax, sales tax, business tax, and property tax revenues even at moderate tax rates!.

A Disruptive Shock could be caused by a sudden shift of investment money going from Rental Housing to Businesses. Most investors, especially big investors with hundreds of units (some corporations own tens of THOUSANDS of Houses) would need time to adapt, and the new businesses would need time to stabilize. To reduce this shock new taxes on Rental Housing could increase yearly until profits are reduced to zero after a few years.

Financing Construction and Purchase of ApartmentsLet’s have tax-free and Federally guaranteed Loans for the construction of New Apartment Complexes and the purchase of Existing Apartment Complexes. Lenders will be willing to lend capital to non-profit organizations to build or buy Apartment Complexes in exchange for security and tax-free interest profits! Some Landlords will carry the purchase loan themselves to gain the security and tax-free interest profits!

The building industry will get a boost as well: current low-income homeless people will be able to buy or rent housing at TRUE SUPPLY AND DEMAND PRICES, which INCLUDE the current building cost of entry-level housing.

BAMBOO can provide Vast, Renewable building materials! BAMBOO Living> Buildings can look conventional with drywall sheetrock and stucco or other wall covering materials. Yes, even BAMBOO particle-board! (see BAMBOO Can Rescue Civilization!)

Return to Topics>.

Current Homeowners can move up to NEWLY BUILT better houses with the same monthly mortgage, then low-income people can buy the vacated old houses! That’s more business for the building industry!

Even Welfare Recipients will be able to pay rent and still have spending money, even if a Recipient lives alone. Couples, families, and groups will do even better.

Some say “It is simple, just build more housing units.” These tax changes are HOW to afford BUILDING new housing. More people will be able to afford housing, so more housing will have to be built to accommodate them.

Managing Non-Profit Apartments can be done by a paid staff just like in Condos. The previous Landlord’s apartment management staff can stay on and manage the now Non-Profit Apartment Complex. The tenants can vote for what they want to pay for.

What You Can Do: If enough people, that is voters, do some of these things, it will happen: “A Better Life 4 All“(TM)!

  1. Do whatever you think is best to make “A Better Life 4 All“(TM).
  2. Contact your federal, state, and local elected leaders thru USA.gov>
  3. Contact your local SBA>.
  4. Share these Ideas and your Opinions, especially with your fellow renters.
  5. Contact Newspaper and TV Financial editors, reporters, and writers.
  6. Contact Local Organizations that represent Tenants, Landlords, Investors, Realtors, etc. Many cities have their own Tenant Organization.
  7. Search for, then post comments on related Internet articles in your favorite mediums.

Return to Topics>.

There are several more sound Ideas in a SacBee Housing Crisis article; Mindy Romero’s 7 steps are particularly important. Mindy is the Founder and Director of the California Civic Engagement Project at UC Davis:

1. Reduce or expedite regulatory and permit processing requirements, to create more certainty and predictability in the development process.

2. Allow more flexible zoning for the construction of underutilized housing products like accessory dwellings, multiplexes, and cottage apartments.

3. Cut back on some required state building regulations, such as those for the minimum required parking and expensive building materials.

4. Reduce development fees for projects that include or increase the share of affordable housing.

5. Provide more job training in the construction profession. Some building projects are stalled due to limited labor supply.

6. Encourage local governments to use public surplus lands for affordable housing.

7. Develop and fund local housing trust funds to create subsidized housing that is accessible to low-income households.

If Capitalism becomes more profitable than Feudalism (that’s tenants under landlords), your Landlord may say to you, “Because of the new tax changes, I am getting out of the landlord racket and want to offer you the first chance to buy this house. The down-payment will be two months’ rent and your mortgage will be half your monthly rent. Are you interested?” Most will say, “YES!”

Then the landlord may say, “Because of the new tax changes, I am starting a new business in your field. I know you have the experience, and I would like to finance you as the owner of the business. You can help me get started and run the business for me. I know how much you make now; I’ll double your salary, match your benefits package, plus give you 10% of the profits. Are you interested?” Most will say, “YES!”

Your landlord turned business financier can half your housing expense, double your salary, match your benefits package, and give you 10% of the profit!

Return to Topics>

The culture of NIMBY (Not In My Back Yard) will weaken because the low lives will become “almost” respectable.

GREATEST ECONOMIC FACTOR:

The economy is so complex that no one or group understands it completely. Attempts to improve the economy often backfire. There are many factors that influence the economy. One of the greatest is housing; we feel it is the greatest economic factor. Housing is the greatest expense for most people. The value of housing in America is more than EVERYTHING else combined. It is one of the few things that one person owns and another person uses.

Feudalism in America:
Feudalism has had various forms throughout history. The central concept has been landlords controlling land and possessing financial and social power for exploitation over tenants, the Peasants (non-landowners).

Today we use the same terms used in the Middle Ages: landlords and tenants. The tenants are today’s Peasants.

Financial exploitation is the same today as then. As wages and the minimum wage go up in an area, vacancy rates go below a threshold and the landlord increases the rent. The house or apartment is not any better; it just costs the Peasant tenant more. A $100 rent increase is as immoral as a burglar stealing a $100 item each month. If the Peasants get a raise, the landlords will take it! It is their LEGAL right.

Return to Topics>

In high-income areas, rents and property values go up because landlords will suck the prosperity from the workers.

Rent and property values go up in an area until landlords can no longer suck more money from tenants (our workers) because the tenants are at the financial breaking point. When the minimum wage goes up, the landlords raise the rent and legally “steal” the increase!

We use the Middle Ages term “Peasants” for today’s non-owners known today by the more “pleasant” Middle Ages term “tenants.” Most tenants are not in the top 10%; most tenants are poor Peasants compared to the wealthy; we are sad to say.  We use “Peasants” to emphasize the situation and hopefully motivate the “Peasants” to organize and vote for these new tax laws for their Prosperity.

In the 1970s Feudalism became more profitable than Capitalism. More investors chose to be landlords rather than business owners. Over the decades, more and more investors competed against each other to squeeze more and more money out of the Peasants. As the decades went by, profits for landlords from rental investments went from a pot of gold, to silver, to bronze, and finally to lead. It is because our economic system and the Peasants can’t pay anymore.

Return to Topics>

The cost of buying a house or condo is not determined by Peasants bidding against each other hoping to buy a house to live in. Peasants also have to bid against landlord investors wishing to make profits at Peasants’ expense. Many landlords have vast property equity and great loan credit. A strong landlord can easily outbid most Peasants.

The many advantages of owning vs. renting are great. The equality (value increase) over five years can be $30,000 on a $500 a month apartment. The landlord gets that now; wouldn’t you like to get that! You morally deserve it.

A friend said most people don’t understand this. The people who do understand become landlords and don’t want tax changes. This is leading to a dead end.

Today’s Economic Dead End:
As the landlords bid the prices up, and up, and up competing against each other, the Peasant tenants are finding it harder and harder to keep up. Our economic system and many Peasants are stressed to the limit. Many Peasants live month to month, or day to day. More and more Americans are homeless.

Things will get worse without these tax changes.

Return to Topics>

Even some landlords are losing money. I know several landlord friends that invested in three to five rental properties and lost them all and even lost their own homes during the housing crisis.

LABOR LAWS in the first half of the 1900s reduced the exploitation of workers and strengthened Capitalism. It is now time to strengthen Capitalism by weakening Feudalism. It is time to protect our workers at home as well as at work!

TAX-FREE BUSINESS START-UP; MORE GOODS, SERVICES, JOBS, and income and business tax revenues:
To encourage new business, start-ups could be tax-free or low taxed for say the first five years. New businesses will create more goods, more services, more JOBS, and more income and business tax revenues. Each person could have one or a few tax-free chances to start a business in their lifetime. A smart, wealthy investor could start several businesses tax-free for five years by financing new business owners to start and/or run businesses.

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External Links: BAMBOO Living>

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