FEDSPEAK Report | The Impact of Vacant, Tax-Delinquent and Foreclosed Property on Sales Prices of Neighboring Homes

Study finds foreclosures harm home prices more than vacancies

Occupied properties in foreclosure drag down the prices of sales of nearby homes twice as much as vacant properties, according to the Federal Reserve Bank of Cleveland.

Researchers looked at data from 9,601 sales in Cuyahoga County between April 1, 2010, and March 31, excluding sales not done at arms length and acquisitions by county and city land banks.

Homes sold with at least one vacancy within 500 feet priced 0.8% lower. Sale prices on those homes with a delinquent homeowner within the same radius dropped 0.7%.

But an occupied, tax-current home that recently entered foreclosure lowered the sales price by 1.8%, according to the Cleveland Fed’s white paper.

From the report…

The Impact of Vacant, Tax-Delinquent, and Foreclosed Property on

Sales Prices of Neighboring Homes
by Stephan Whitaker and Thomas J. Fitzpatrick IV

In this empirical analysis, we estimate the impact of vacancy, neglect associated with material property-tax delinquency, and foreclosures on the value of neighboring homes using parcel-level observations. Numerous studies have estimated the impact of foreclosures on neighboring properties, and these papers theorize that the foreclosure impact works partially through creating vacant and neglected homes. To our knowledge, this is only the second attempt to estimate the impact of vacancy itself and the fi rst to estimate the impact of tax-delinquent properties on neighboring home sales. We link vacancy observations from Postal Service data with property-tax delinquency and sales data from Cuyahoga County (the county encompassing Cleveland, OH). We estimate hedonic price models with corrections for spatial autocorrelation. Importantly, we fi nd that excluding tax delinquency and vacancy from this type of analysis signifi cantly overstates the impact foreclosure has on surrounding home values. We fi nd that an additional vacant or delinquent property within 500 feet of a home reduces the home’s selling price by approximately 0.7 percent. The negative impact of individual foreclosures is about 2 percent if the home is neither vacant nor delinquent. Foreclosed homes have a large negative impact on nearby property prices, a 7 percent to 8 percent reduction, if the home is tax delinquent or vacant in addition to being recently foreclosed. Homes that are tax delinquent, vacant, and foreclosed have the largest impact on home sale prices within 500 feet, at 9.6 percent.

Full report below…

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4closureFraud.org

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The Impact of Vacant, Delinquent, And Foreclosed Property on Sales Prices of Neighboring Homes

Comments
103 Responses to “FEDSPEAK Report | The Impact of Vacant, Tax-Delinquent and Foreclosed Property on Sales Prices of Neighboring Homes”
  1. angry&NOT TAKING IT! says:

    its the fed….why would the numbers add up?? they will not ..EVER!!!!!

  2. lvent says:

    They just will not admit, their banks are broke because of massive collateral fraud! This was a Hitler Plan to steal everything from the people by telling big lies…..like America is broke…when they are who is broke and underwater…..ON PAPER….and want to bankrupt America to pay for all of their fraud…This had nothing to do with the money…..this was about a MASSIVE ROBBERY OF AMERICA…..Fraudclosures and refis will never fix their debt problems, there is no where near enough collateral to cover 140 trillion in OVERLEVERAGING……THERE IS ONLY 8 TRILLION IN TOTAL REAL ESTATE AT THE CURRENT MARKET VALUE……….THEY OWE…WAY TOO MUCH DEBT….and they all have a massive gambling problem and they all need to be shut down!

    • lvent says:

      Those mathematical geniuses at the FED….DO NOT KNOW THERE IS NO WHERE NEAR ENOUGH PROPERTY TO COLLECT TO COVER ALL OF THE MORTGAGE DEBT WALL STREET CREATED OUT OF THIN AIR????..WALL STREET HAS RANG THEMSELVES UP WITH….140 TRILLION DOLLARS WORTH OF DEBT BACKED BY 8 TRILLION IN REAL ESTATE……DO THE MATH BERNANKE and GEITHNER!!! ….THE BANKSTERS SHIP SUNK LONG TIME AGO………BERNANKE AND GEITHNER, YOU HAVE EGG ALL OVER YOUR FACES!!

      • I vent…I firmly believe that is why all of a sudden Geithner wanted to leave…he knew the explosion was about to go off….it was obvious….I mean the explosion all the way around….experts coming out with figures of their debt,,,Wall Streets debt…….our mortgages were paid at the closing by our tax dollars…the banks are sinking or have sunk…we know which side Geithner is on and it sure as hell is not on our side…..his mask was yanked off his frig’en face….they …all of them…are nothing but gamblers…gambling with other peoples money….their true motto is ‘ The house always wins. ‘…….but this time the house went broke. Shut the Federal Reserve DOWN….let them all sink…..and all must be put behind steel bars for 150 years….Madoff stole from the wealthly…these bastards have robbed the world of all the wealth….it is time we stop playing patty-cake with all these criminals….and give them their due punishment…..

      • housemanrob says:

        Marilyn……just a headfake…..I don’t think he ever planned to go anywhere!

    • housemanrob says:

      Vent…..read this morning that there is 260 trillion in derivatives out there…….not real money…….that’s impossible…..it’s called magic money….read the amount 3 times to be triple sure……..and for those who don’t believe!

      • lvent says:

        Rob, did you see this article from daily finance.com? Big Risk: $1.2 Quadrillion Derivatives Market Dwarfs World GDP….They are all out of business Rob…..yet the banks are still posting profits and being fed by the FED…AND THE ROBBERY OF THE AMERICAN PEOPLES HOMES, JOBS AND WEALTH FOR UNSUSTAINABLE WALL STREET DEBT CONTINUES!!!!
        http://www.dailyfinance.com/2010/06/09/risk-quadrillion-derivatives-market-gdp/

      • housemanrob says:

        Vent….Did you read my reply about the 100k…you misunderstood me……

      • lvent says:

        Gotcha Rob..If they can’t prove you owe them any money I wouldn’t sign or agree to anything.. I would not even sit down with them until they show proof….I read somewhere, sue first, ask questions later…They can’t prove a damned thing. They are just extortionists and the U.S. Government and the Judges are blackmailing people by forcing mediations with these crooks and allowing these pretender lenders to outright steal people’s homes in civil courts with forged and phony docs…90% of people do not even know what a proper assignment or release looks like….I went to the recorder of deeds office a couple of weeks ago and they had a proper assignment posted up on the computer screen..the people do not know what that even is…there are only 2 kinds of assignments that must occur within 90 days of the Origination of a loan in Illinois and they can only go bank to bank….they are, A Collateral Assignment Under Land Trust or an Assignment of Land Trust for Collateral Purposes..just any old piece of paper that says assignment on it, does not do…and what about thereleases?..they must be recorded at the recorder of deeds office in 30 days…. as a Satisfaction, Cancellation or Reconveyance if there is a refi or payoff…… …and a few months ago the CCRD had a Tony Rezco mortgage posted on their home page with no legal conveyances at all….! There needs to be legislation passed into LAW by Congress that these pretender lenders MUST have clear proof of standing before they can even file a foreclosure… The words THIS IS AN ATTEMPT TO COLLECT A DEBT really mean, THIS IS AN ATTEMPT TO STEAL YOUR HOME TO PAY FOR OUR CRIMES…!

      • lvent says:

        Rob, those derivatives are interests they sold to investors in money flows….they sold interests in money flows to virtually anything with a revenue stream…CNBC talked about that the other night in their program HOUSE OF CARDS…As the revenue streams weaken or stops because of the poor economy those will blow up…These are like ticking time bombs that will detonate sooner or later…….like that attorney told me,don’t sign anything… their debt is unsustainable.!

    • I vent….All of the financial industry has fudged the figures so much…they have no idea where the accounting stands…..All this BS is another scam to try and concience the country of horse shit….The fraud and fudged figures began with each and every closing…they tried to hide their own frauds…not mistakes…FRAUDS….the blueprints gave the pattern and they all followed it….but the good part is the blueprints actually tripped them….you see…Hitler’s Plan lived on thru the bastards in Rome…but Hitler did not live ..he died…or drank the wrong kool-aid …..and his blueprint also has died…..evil does not win over the truth….and we all have found the truth……All in the financial industry are a sunk ship….they know we do not owe any debt…as with everything …..they have reversed the facts….black is not white….it is black. They can put the magic cards away…the cards hold no magic for them….they are trick cards….and they all got fooled.

      • I vent….A few years ago I read the rules of filing a foreclosure…and it stated that the plaintiff must show proof of standing….in original Note and Mortgage with the blue ink signature…in the original first filing of a foreclosure….Now if that is in every state..not sure….but when all the crap of the courts being turn coats….the courts did not require what the rules said….my daughters first summons had nothing…just copies of the note and mortgage…and it even said ‘ just copies ‘……LOL…the judge told that lawyer to go and do his homework and they again filed just the copies……and that was in June 2010 and not a word from them since. But that was one judge who required it….others go right over the proof of standing….Chase cannot prove it….cause the second copy of the Note has the stamped endorsement Pay to the order…….WITHOUT RECOURSE….SIGNED BY WAMU…..AND the bank did NOT get the recorded mortgage….the title co. got the recorded mortgage…the cover sheet stated DO NOT SEND TO BANK……But again it comes down to what judge you get……..some have a terrible hormone imbalance………………….

      • lvent says:

        Marilyn, Max Keiser said it best a couple of months ago…this is a bank balace sheet recession…Max is spot on as always…they have too much debt and no collateral to collect to pay their massive debts…so they are outright stealing…and it is massive and in very sneaky I might add. Strategic and sneaky class warfare has been being waged by these NWO criminals who are using the color of law and the Fed to rob WE THE PEOPLE…. and the Governments…..are hiding behind the scenes of fraudclosures, posing as attorneys for the servicers and the banksters when really it is the GSE’s who are fraudclosing for the Government(s)……The U.S. GOVERNMENT is covering up the class warfare and the unemployment numbers, the fraudclosure numbers….as to not cause a panic….. This was an evil Hitler Plan by the NWO via a massive fraud financial coup de tat by their perps in the U.S. GOVERNMENT at the Treasury, the GSE’s, WALL STREET and at the FEDERAL RESERVE…. just to steal everything they do not own from the people and bankrupt America…under the guise of debt that their perps owe, not all of us…and steal America and our National Sovereignty without ever firing a shot…complete foreign takeover, allowed by traitors from within our own country….AN INSIDE JOB..

      • lvent says:

        I really believe these title companies are really filthy…Never got a response to my e-mail back from Chicago T&T on where I can reach their escrowee whose name has been all over my docs since 1992….and is also an Illinois Notary and a Notary for the bank….I want to know who altered these docs and committed forgery…If it was not Chicago T&T then they are still guilty for letting that fraud slip by them….and who recorded that altered mortgage with typos all over it at the recorder of deeds office..? I want to know who would record such an important doc that was obviously altered and ask no questions to the person who signed it? Why would a recorders office even allow an altered doc to be recorded? Time to start asking some tough questions. I want accountability for who committed the Origination fraud…and never recorded a proper assignment, just a mortgage and never returned my original note and mortgage to me stamped paid by the first bank and the second bank never recorded a proper assignment……… that is just for starters.

      • housemanrob says:

        VENT………..I just heard something unbelievable from Max Keiser…..that Chase has 90 trillion in derivatives ou there, which to your credit, you mentioned earlier and that they are “A DEAD BANK WALKING”…..and that the whole derivative market is at least 600 TRILLION!

      • lvent says:

        Rob, it is crazy! They banks are broke… yet they are still getting fed by the FED and they are posting profits and paying off cops…Everyone should watch that Keiser Report..! Max doesn’t miss a beat.
        http://maxkeiser.com/

      • housemanrob says:

        Yea, Vent, but remember they can never recover that MAGIC MONEY…….so the TBTF banks are finished….just a matter of when!

      • lvent says:

        They are massively overleveraged Rob…..multiple pledging notes and other debts will cause that…

      • lvent says:

        Marilyn, You know I question everything…I question that Hitler died when and how they said..remember that one link someone posted here about the Bush family are really the Schiffs and they said Hitler he was hidden away and living in Montana and lived to be well over a hundred?..Who knows for sure except for them ….Anyways, I believe the Fourth Reich is running the world..prophecy says there is to be a worse dictator to rise out of Syria who would bring on WWIII….I think we are already in WW III and it started on 9/11….Time will tell. The way the whole world is in turmoil is not a good sign is all that I know…

      • lvent says:

        Rob, Dylan reported on the 600 trillion dollar black hole known as the mortgage derviatives market on his show today….Dylan said that all happened as a result of no capital requirements by banks….no skin in the game…One of his guests who was a financial expers said that happens because of politics…I say it happens because of traitors….Very sinister people are hiding behind the scenes of this….Thank God for some honest Americans and the truth is being revealed about everything!!! Abolish the FED….Off with their heads!

      • housemanrob says:

        Vent……there are traitors….but also court jesters that think they are getting permanently wealthy with greed…..many of them……but probably don’t know that they are the scapegoats and will fall first…..like a man with power and wealth, an elite throwing 100$ bills out of a tall building window……there will be many below scrambling like rats to gather it up……even fight over it!

      • Rob….IF THE BANK IS STILL WALKING…IT AIN’T DEAD ENOUGH…I WANT TO SEE THEM CRAWL ON THEIR BELLIES LIKE A FRIG’EN SNAKE…..SO I CAN USE MY NEW SHOVEL…. AND VULTURES CAN CLEAN UP THE MESS…….

      • I VENT….Years back I read 2 different versions of how Hitler died…..one said he shot himself and the other said he was poisoned……..yet more recent I read the same as you…living in Montana……this is their game….tell different stories to confuse the people…but by now the a$$hole is either dead or on his death bed…who gives a rat’s a$$…..I just want to hear the pigs squeal when they are all down…..it will be music to the ears.

      • housemanrob says:

        MARILYN……..HA,HA,HA,HA,HA,HA,HA!

      • housemanrob says:

        MARILYN….BUT HAVE YOU SEEN THE PICTURES THAT HITLER’S BODYGUARD REVEALED BEFORE HE DIED IN 1999? THEY SHOW A GROUP PICTURE FROM 1938…..FAMILY AND GROUP PHOTO INCLUDING MARTIN BORMAN, JOSEF MENGELE, AND HITLER’S RIGHT HAND MAN, WHO’S SON IS THE SPITTIN’ IMAGE OF G.W. BUSH…..SHOWN IN THE PICTURE AND CLAIMING TO BE HIM…….AND THE BUSH FAMILY RECORDS ARE SKEWED AND HARD TO FIGURE………I have seen the picture and it is scary, I’ll tell ya’!

      • lvent says:

        Marilyn and Rob…You are right Marilyn, the spawn of satan is probably dead by now..but just the thought of he got away with it and the Government(s) might have hid him in this country is nasty…look at all of the crap they have lied about wouldn’t put anything past them…they are evil.. ‘Anyone hear about the war ending in Iraq?…I guess Iraq kicked us out because the contract is up…Obamas on a roll, he aint playing games…he is just killing the terrorists…its like he is on a mission..I was watching Al Sharpton tonite, he has his own show now on MSNBC….he was rubbing stuff in Bush’s face like talking about how the whole war was b.s….WOW…IT WAS PRETTY AWESOME!! Bloomberg was reporting last week that so far there is no plan for unwinding the BIG BANKS…I LIKE THEIR NEW NAME BETTER, THE DEBT CARTEL….I am guessing the DEBT CARTEL will be around only until they are sued out of existance…and they will re-emerge as smaller parasites…still parasites none the less. Never going to them for a loan again, ever…!

      • lvent says:

        Marilyn, I can almost hear those pigs squealing now!……LOL!!

      • lvent says:

        Look out Rob, Marilyns got a new shovel….she is going to use to use it bury em after she lights em up with her nail gun….!!!

      • lvent says:

        COMMIECAST BLOCKED OUT RT NEWS YET AGAIN…DAMNED NAZIS….I AM WATCHING ANCIENT ALIENS RISE OF THE THIRD REICH INSTEAD ON HISTORY CHANNEL II ….Jim Marrs is on the show…the man who wrote the book RULE BY SECRECY, all about all of the evil bastards evil secrets….He believes the NAZI’S HAD ET INTELLIGENCE..PRETTY INTERESTING…!!!

  3. lvent says:

    Idiocracy! Bloomberg news just showed a clip of a new Warren Buffet cartoon geared to kids that shows them how to become secret millionaires…..!!! The first lesson is you always have to pay back your debts……!!! Warren Buffeet ought to send that lesson over to the WALL STREET DEBT CARTEL….who are over a Quadrillion in debt because of massive fraud…..and maybe Obama who thinks they are just reckless on Wall Street….

    • I vent…What does Obama know about being reckless…he just stands like a wooden puppet as his strings are being pulled…..

      • housemanrob says:

        ……what amazes me Marilyn………is that he keeps up the charade…….no wonder he has no hair……probably all fell out….they say he is on medication….,would not surprise me!

      • Rob…If he is on medication from the pharma….for sure he will ‘get something.’….or has it already……they put surprises in to lie dormant….Rob…you know you should not mention the word medication to me…..I live like the wild animals and cure by nature…..and follow no rules they claim will give good health…..Someone wrote about him and said he looked sick…..maybe it is the ‘ guilt disease ‘…..there is no cure for that……it just makes you age real fast…..

      • lvent says:

        They are ALL a bunch of actors including the MSM…it is so obvious now…time for everyone to walk out of the show because it really sucks!

      • housemanrob says:

        Marilyn….I too use no meds of any kind…….and I am a vegetarian….but I don’t know about the wild animal thing…you should talk to my grandson about that…he is one of the famous that has climbed the 40 some peaks in New York over 4000 ft….including 5300 ft Mt. Marcy in Jan 2010….Is that what you mean?

      • housemanrob says:

        Marilyn…the guy who told you he looked sick was me…and you agreed, remember?

      • Rob….So ..that gave you a laugh….I laughed myself…sometimes I have to delete my thinking…. quick wit can sometimes get you in trouble….but the pigs squealing is from the movie..’ Deliverance ‘ …1972 with Burt Reynolds….I am not a movie fan but I like that kind of movie and movies of the outdoors….and hearing about all the banks debts…that they are dead, sinking or sunk…was music to my ears…except the pigs squealing was missing….down on all four’s….and the rest I will leave to your imagination………
        And the photo…was that the one someone had put on this site ? It told the story of who had it and it showed a young guy that looked just like Bush….is that the one? If it is…I say it was him….Back in the 90’s I looked up the Bush family on internet and copied it. It started before WW11…with Prescot Bush..in Germany…and it told all that was going on years before the war…during the war and after….and it never mentioned his wife if he had one….so when that picture appeared on here it rang a bell with me…..I believe Prescot was close to a Herbert W……..(forget his last name) and George W. H. Bush carries this guys name….so that picture may just be him.

      • Rob…..If you mean climbing up a mountain….that is certainly not my bag….I am a earth person…Taurus the bull….my feet have to be on the ground….I will use a step stool and that’s it for height’s….I will go in a plane only if where I am going excites me…..what I meant is like in Alaska….wilderness….but I would not be in the wilderness…I like the movies….I will camp..but the modern way….in a home like atmosphere on wheels….I will fish but will not hook anything live…and the boat cannot go out to far or I will puke for sure….And I am not a veggie person…I will eat them (some) but I am a meat and potato person…love my sweets…pastry and donuts…I do what they say not to do…it works for me….steak and chocolate….the wild thing is the animals eat the green’s that help them to heal a wound…not that I am a wild animal…
        The article I had read on Obama looking like he was sick was back in the early summer a gal wrote it on another site…she was at some doings and was reporting on what was said in the speeches and her last remarks were on Obama..he was there. and yes, we did comment on that too.

      • lvent says:

        Marilyn, LOL…love that comment on how you like meat and chocolate…variety is the spice of life so they so…When in Rome, do as the Romans do!!!

      • Rob…So Hitlers bodyguard was in the Scheff family? It was a family photo right ? So the name was changed to Bush ? I have to dig up the copies I have somewhere….I am so sorry I gave away that book on Hitler….I didn’t want it in my house…..and it had alot of pictures…. oh well.

      • housemanrob says:

        Hi Marilyn……..just got in……yes photos were personal collection from his body guard…..this one in particular from 1938……..family and group photo….he was trusted…highly….so nobody ever thought to destroy them….embittered by the whole NWO thing,,,,he released them to the investigator before he died in 1999. He has photos of Hitler himself…..I know …… I saw 2, one when he is over 100 and supposedly very healthy….claims he died in 1997 at age 107 in Bozeman, Montana….the oldest known man that year was 115 yrs. What is mind boggling is right in the center of the photo is Prescott and GHWB….WITH Josef Mengele STANDING RIGHT BEHIND THEM…….with the lack of known places and dates oF the Bush and Walker family tree……it looks like we had a real NAZI….as our PRESIDENT!

    • housemanrob says:

      Marilyn……Whaaaaaaaaaaat……..run that by me again? By the way Prescott is identified as George Scheff, Sr and George HW as George Scheff Jr……Spittin’ image of both of them! Amazing! Hitler’s bodyguard Otto Skorzeny is pictured….it was his box of photographs that revealed it all!

      • ROB….What did you want me to… run it by you again…? Could it be Taurus the bull ? Or the pigs squealing…? It would be an honor to repeat my secrets of life….

    • housemanrob says:

      Marilyn……the website for the photos is http://www.combibliotecapleyadesnet-soc….. The Idaho Observer, by Don Nickoloff, April 2007…….the official website of The Idaho Observer.

      • housemanrob says:

        WRONG……..www.bibliotecapleyadesnet-soc…

      • housemanrob says:

        I quit!……Good nite…….

      • Rob…Golly….that carrot juice must have been very strong…..4 times trying to post….I got dizzy just trying to follow you…and than you left me hanging………..

      • Rob…I found it with no problem…the same article and pictures…and it goes further into it…..but not on the link you sent……no doubt…it is grampa and daddy…perfect picture on another site of Prescot when he was Senator from 1952-1963……

      • housemanrob says:

        Yea Marilyn, I clicked on the links at the bottom………and continued on to “axis of evil” etc., etc., and started down into the rabbit hole………..50,000 nazi’s were given refuge in America…..Alice in Wonderland…for real….ain’t like this stuff…….

      • housemanrob says:

        Marilyn……..Also mentionedis that G.H.W.B. and Otto Skorzeny, Hitler’s bodyguard, were the true founders of the C.I.A……….Skorzeny was exonerated at the Neurenburg trials……….you can’t make this stuff up!

      • housemanrob says:

        When our great poet, BOB DILLON, became an elitest, I realized anything is possible…….the one guy who I thought could never sell out on us….and his soul…..liar…… I don’t listen to his songs anymore……but like Watchtower…….made famous by J HENDRICKS…..they are everywhere….

      • housemanrob says:

        Here is the webste for OTTO SKORZENY PHOTOS……HTTP:WWW.BIBLIOTECAPLEYADESNET-SOCIO…

      • Rob…you are correct…GHWB FOUNDED THE CIA…….that is what was in the family history I read years back…I can’t sem to find the copies I made..must still be packed away at my daughters house when I moved years back…and it told of the thousands of Nazis that came…..I also believe the Rockefellers were involved in bringing ‘ some ‘ over and put them right in our government…and after a time there was some fallout…and the 4 Rockefeller brothers died with the true facts not given…their deaths a mystery to the public.. it is said 2 of them were shot thru the forehead….all died within a few years apart….or less. So evil follows evil….all this is on the internet…..and evil is in the DNA.

      • housemanrob says:

        Hi….Marilyn…….campaigning for my vote now, huh? …….HUH?

      • OH Robbie…..It’s a woman’s touch…we smart one’s know how to get to a man…..and get what we want…..you did give me 1 vote so it must have worked on you………….

      • housemanrob says:

        Another point Marilyn……….98 to go!

      • housemanrob says:

        Marilyn……click on Occupy Wall Street……see 3 minute video “Where do we go from here”….IT IS BEAUTIFUL……….but check out the TROLL in the background about half way through……looks like C.I.A. or N.S.A…..

      • Rob…Where do I find this? I put Occupy Wall Street in search…can’t find what you are talking about…….where is this video?

      • housemanrob says:

        Marilyn…. It’s the first video in your face on OCCUPY WALL STREET!

      • housemanrob says:

        Marilyn…..try OCCUPY WALL STREET .ORG….A NATIONAL CHALLENGE

      • housemanrob says:

        Marilyn……..sorry….getting tired again tonight………..OCCUPY WALL STREET . ORG AN AMERICAN REVOLUTION…

      • housemanrob says:

        Marilyn…..the american revolution! Oh well, almost past my bedtime!

      • Rob…I found it….I am going to watch it again…but I think I saw who you were referring to….Rob..what is going to happen when the bitter winter set in..the rain, sleet and snow…I see all the people so alive and wanting our freedom….our country….each and everyone is a hero to my family…. I just hope something breaks for us soon…..and the first bank fails and the cuffs are on….I see so many well known people that are coming to help…but I do worry of the weather….and those who are in for the fight.

      • housemanrob says:

        Marilyn…..The cold north wind blows hard through the wind tunnels created by the streets running between buildings……it can be brutal….chill factor, you know.

      • housemanrob says:

        Goodnite Marilyn……….See ya’ tomorrow………

      • lvent says:

        From what I can see a very many of the Presidents if not all were CIA agents at one time…..There is some covert shit going on from within…..Like many of us have come to find out that all of the bad stuff that happens is always an Inside Job…..A past president, I think Woodrow Wilson said anything that “happens” with the Government you can bet it was planned that way..the NWO plans this stuff but could never carry it out without inside help….Like the Fed, the wars, the assassinations, the economic collapses and crisis, 9/11 the financial crisis…all manufactured to acheive their goal of a One World Government.. ANEW WORLD ORDER…They are evil and patient….It is up to all of us what we allow….We still have a Constitution and we should demand it be restored back to what the founding fathers intended it to be and demand the end to the Patriot Act…We should be protesting everything they do and revolting natiowide BECAUSE the FED CONSTANTLY PROPPING UP THE BIG BANKSTERS AND WALL STREET AND STEALING FROM THE 99% AND THE U.S. GOVERNMENT IS ALLOWING IT……WALL STREET AND THE FED ARE BANKRUPTING AND STEALING OUR COUNTRY FOR THE MASSIVE COLLATERAL DEBT FRAUD OF WALL STREET.THE POLITICIANS ARE ALLOWING IT….THEY ARE TRAITORS…. We should stop paying the property taxes until they stop robbing all of us…….stop paying the mortgage, stop using their banks, credit and debit..STOP FEEDING THE BEAST..STOP COOPERATING…..The whole country needs to file bk on the NEW WORLD ORDER TYRANNY….A friend of mine is 3 months behind on her mortgage because she lost her job at a bank where she has worked for 20 years, she can’t find another job…her husband is a carpenter and hasnt had steady work in 4 years… CHASE is already sending idiots out to her home to take pics of her house, therefore threatening her with fraudclosure…they call her home hourly just to harass her…..She was 3 years away from paying her house off…That is not right that she should lose her home because of these horrible economic conditions these criminals intentionally…This is all occuring because of a complete failure of the system because of massive fraud and corruption….No one who has a few years left to pay on a mortgage should lose their home because they cannot find employment….We need a NATIONWIDE MORATORIUM ON FORECLOSURES NOW!!!!……All of the fraudclosures are occurring only because the BANKS ARE BANKRUPT ON PAPER!!!!! I read a comment that an attorney posted on a blog site that he discovered that his clients mortgage had been SOLD get this……..603 TIMES……STOP THE FRAUDCLOSURES!!!!!….THESE BANKS NEED TO BE SHUT DOWN….NOW!!!! THEY ARE INSOLVENT….TRILLIONS AND TRILLIONS OF UNSUSTAINABLE DEBT AND THEY ARE BANKRUPTING AND STEALING AMERICA TO PAY FOR ALL OF THEIR FRAUD…

      • Rob…How well I remember the cold and chill factor…I lived in Michigan…and my husband was an outdoor guy and all winter long he would want to go up north, we had lake property…with only a garage and pot belly stove…and we would ice fish….I wore electric sox’s and thick boots and my feet still were like stumps..we were 1/2 off Lake Michigan…he thought that was living the good life. ..snow up to roof tops in area’s…you know it’s cold when your nose sticks together and you can’t breath……OMG…what memories I have of the great outdoors…

      • I vent….You know this goes real deep….and we know none of this would have happened …… without the government being involved from the start which was many years ago…INSIDE JOB…as everyone can see the government is just filling space and getting paid…doing not a damn thing for the people…NOTHING….Congress should all be fired right now….they are a waste of oxygen….and all should be stripped of their pensions and benefits and pay…..they need to feel pain like the country has felt…Can you hear the silence ? They are all there but behind closed doors…trying to figure out how to save their a$$es…..now that the whole country knows the truth….And you may be right….it looks like the presidents all had 2 faces….and for sure it looks like we had a nazi one to boot…..and maybe more…since they claim they are all off the same bloodline. It may be that bloodline was a clue and we just didn’t grasp it. But now we have.
        We need to swamp the White House…the Senate and CONgress….demand to shut the Federal Reserve down….that is what is feeding the banksters and wall street….we got to cut the cord…no if ands or buts about it…it has to be done now….otherwise this will only get worse…we need to start demanding to end the membership in the UN….our voices must be heard now….frig the election crap…we need to be heard in Washington…..Washington is just laying back and watching the people struggle ….corruption to the hilt…..this is no frig’en game and Washington needs to understand the game is over……the party’s are over….the 2 party system is over..it has failed our country….all the same breed just different animals…nothing but liars and corrupted sicko’s……we need to swamp every Senator and CONgressman with letters telling the facts…the sweet baby talk is long past…write the President…e-mail them all….let them know what we demand to be done now…let them know what the country now knows…all the corruption….remember…they work for us..the citizens…we are the boss..we voted them in to do a job and they have failed the country….

      • Rob….error..forgot mile…… we were 1/2 MILE off of Lake Michgian and it would get down to -30 to -40 below zero ….and I would be sitting on a milk crate with a hot seat pillow holding a fishing pole for hours…out on a lake of ice….in the boonies…and my husband called it God’s country….

      • housemanrob says:

        Marilyn…….I am sure he is with God now…..

  4. Ron Moss says:

    The U.S. Senate looks to be as simple as they really are and they think we are also more simple than they are. WE need to replace the entire bunch.

  5. Ron Moss says:

    What was it that brought on the economic downturn? Our federal Government. Every encumbant needs to be replaced, except Ron Paul He has been warning the rest for how many years that they were spending to much?

    • Ron Moss…..Hey..DO NOT FORGET MARCY KAPTUR OF OHIO…..THIS WOMAN CANNOT BE BEAT…SHE HAS BEEN THERE ALL ALONG FOR THE HOMEOWNERS……SHE DOES NOT HOLD BACK ON THE TRUTH…..SHE IS NOT AFRAID TO KNOCK DOWN THEIR LIES AND COVER-UPS….RON PAUL HAS HIS GOOD POINTS AS TO THE FEDERAL RESERVE……but other issues have come up that make one stop and consider the facts with Ron Paul’s background…..and I do not mean to knock him…just being causious..

      • lvent says:

        As of right now, I am writing in Max Keiser for Pres…Stacey for V.P. I read a bit ago ago that Ron Paul wants to audit the FED to declare it bankrupt and usher in the WORLD CURRENCY for the NWO……Whoever pulls that shot should be hung….or sent to the guillotine..

      • I vent…I was going to write you and Jesse Ventura on my ballot….that is close to Max and Stacy…..you know someone said let’s settle with whoever we are going to write in and try to announce it ….but we got time…..Max and Stacy are great …..she always has a smile….what knowledge those 2 pack into their brains….compare that to what we have had in Washington these past 30 years or so…disgusting….

      • lvent says:

        Thanks Marilyn, that was nice of you to say….when me and Jesse win,
        you could be the Chief of Staff and Rob the Secretay of State….They would tie all of us up and lock us in the basement….they would only let us out after some psy ops to read the teleprompter…LOL!!!

      • lvent says:

        Marilyn, We would have to abuse our power and lock all of them and the banksters up in the basement and deprogram them…they would all come out of the basement looking like that monkey up there….!!

      • I vent….it would be like the four stooges all over again….LOL…..

      • I vent… I almost said that is what I would look like when I had to speak to a crowd of people…..

      • lvent says:

        We would all be great Marilyn!!!…we would just need lots of red bulls and coffee…think of the bashes we could throw ….!! We would have an open house to the people….parties on the front lawn and cook outs…we would make the fed give all of the money back to the people and have the CIA fly planes and drop the money out of the sky..We would send the banksters, Geithner and Bernanke to Siberia…the Clintons and the Bushs too…Banned from America forever!! No traitors allowed anymore, ever!!!

      • lvent says:

        And free and clear titles to all homeowners..everyone gets a clean slate…!

      • housemanrob says:

        Marilyn and Vent……..Are you two creating…..your own NWO? LOL

      • lvent says:

        Rob, it sounds fun doesnt it? Beats this tyranny…! Did you read what I wrote about what the clerk at my recorders office told me?…He proved to me what I suspected, the note was a check we wrote to them..Funny how there are so many who have helped us along the way to the truth…like a mystery novel…a very confusing mystery novel!….These thieves need to be stopped, they are stealing our country! Gotta go to my daughers softball torney..be back later…

      • Rob….In fact…yes…..it’s the New Womens Order….I vent said you would be the Secretary of State…can you handle working with alot of women? She said we could have alot of cook outs and gov’t pay for it…and I will have all the steak I want…..but she didn’t mention veggies….

      • housemanrob says:

        Marilyn…….Just think………with you and Vent running the show……I would never have to say anything or make a speech…….because the 2 of you would do all of the talking! I’d be Secretary of keeping my mouth shut!

      • Rob….Gee….what gives you the idea that I vent and I would do all the talking…? Apparently we are transparent and you can see thru …and read our minds….LOL….I even thought that you could be the houseman….kinda like a butler…..you would be very important to us…….one term and pension for life….but most of all it would be your expertise and hidden knowledge that we would value…….houseman would just be a cover-up……

      • housemanrob says:

        Marilyn…….that is not why it’s houseman……….oh well, your gonna’ pay for that one….you just lost my vote…….you willhave to earn it back……

      • OK Rob…..So I must earn back your vote….what must I do…? I refuse to sit around your pool drinking your magic drink and eating veggies for a snack. But remember you are dealing with the Bull and I can be very patient and I can charge at any moment….that is how I have handled the frauds in my daughters mortgage….and it has worked for 5 years….so I am willing to work to gain you back on my side…..I vent will be very angry that I lost your vote…..we are all in this fight to win…..

    • lvent says:

      Marilyn, Max is really smart..he used to work on Wall Street..he was an insider so he knows alot of stuff about how it all works….He and Stacey would be perfect for the jobs…!

      • I vent…..I agree……NEW BLOOD….There are so many on the outside that know the ‘ ropes ‘….it is time to move on to a new government….a clean slate….I feel those running are just going thru the motions….but the blood is contaminated……this is what must cease….a planned write in on the ballot ….time must be given for the country to get the word out to the people….
        For years I saw the campaigns as a calamity…a disaster waiting to happen….and now it has happened…..and it is up to We the People to end it….a hugh job awaits all of us…..

  6. Javagold says:

    who believes this bullshit

    • lvent says:

      They are sickos…sick, sick ,sick…..! They are drunk with debt creation and fake power…they are going down…!

      • THEY ARE GOING DOWN….WHAT SWEET WORDS…. Didn’t I tell you I had a gut feeling that the tide would turn….evil never wins. Yes…I am a beliver………

      • No…I am not a beliver…but yes..I am a believer…..sorry about that typo

      • housemanrob says:

        Marilyn…..No, I’m not a believer…..yes, I am a believer? You drinkin some earthly conconction tonight? Hmmmmm? Hmmmmmmmmmm?????

      • Rob…..If you would put down that glass of whatever…you would be able to focus on my misspelling of believer….first I said …be-liver….and I was drinking some coffee flavored with pumpkin cream….

      • housemanrob says:

        Marilyn…..that glass of whatever is magic……………!

      • Rob…you mean carrot juice…?

      • lvent says:

        Rob, we would not be running the show…Jesse Ventura would be Pres…..If you would rather be VP, I’ll trade places with you….I thought you liked to travel though…I hate to fly in planes very much but I would do it if I had to……People Power!!! RT News is off of comcast blackout and they are back on the air! They are the only real news channel..They are actually reporting on our side of the Occupy protests in a positive way…..I love RT news..they are the bomb..! I esp. love when they rip our MSM…and that is almost everyday!!

      • housemanrob says:

        Marilyn…..what I drink is not necessarily legal………although just a desert flower that I learned to concoct in college……..legal to make yourself….but not to distribute or sell……therefore…….none ya’!

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