I Have a Gripe

April 23, 2011

The Truth About Property Taxes

Let’s face it, paying taxes is far from fun. It is, however, a necessary evil. This money goes to various local, county, state and federal needs and programs to help make sure roads are plowed, police are a moment’s notice away, and children are educated.

Now, we all have programs we want to see supported and ones we want to see cut. For example, I often hear people complain about how the majority of collected property taxes go to support the local school district when they do not have a child in school. There is something important to remember about this potential sticky point. The value of your home is in direct correlation with the quality of the local public education system.

Think back to when you were purchasing your home, what was one of the first questions you asked the agent? “How are the schools here?” Even when you are taken to a property by a real estate agent, they often start off with information related to the school system. They will even steer you away from certain towns because their school system may not be considered “of high quality.” Whether someone has a child or not, the answer to that question will definitely affect real estate buying habits.

Generally speaking, those who complain the most about their property taxes are the elderly and those without children. What the elderly forget is that when their children were going through school, someone else who didn’t have children in school was flipping the same bill. Maybe they forgot that little point. Others who do not have children are also paying towards that same school budget, which will help keep the value of their home up.

Now before you get a knot in your shorts…yes, there are certainly areas where money is wasted in the public schools and yes, as tax paying citizens it is our responsibility to understand what our tax burden is and how it is spent.

Why am I blogging about this? Well, if you live in New Jersey, like me, you know how high the property taxes can be. Due to the high tax burden in this state, many are moving away and some businesses have left for other states with a smaller tax burden. Add to that the current negative opinions of “those greedy, lazy teachers” and their union, there are many on a witch hunt to further vilify the connection between public education and property taxes.

Some also complain that their property taxes are too high. Well, that may be true, however, it is important to remember every home will be assessed differently. Do you live in an urban area or a small rural town? Do you have a McMansion or a small two bedroom colonial or condo? Do you live on the waterfront or on a small piece of property with no “major amenities” to speak of? All these issues are taken into consideration and go into the tax assessment on a property. If you disagree with your assessment, you are completely within your right to challenge it. It is important to remember, however, that if you go from a small house to a giant McMansion, don’t be shocked when you get a major increase.

To steal a line from our President, “let me be clear;” I am far from advocating for MORE taxes. Additionally, I don’t particularly mind paying my taxes. I just want to reduce the amount of waste involved and look at what taxes are being spent on – such as healthcare for illegal aliens. Cut that out and we could save billions.

Ultimately, by spending more time examining how to eliminate waste, instead of going on a wild witch hunt spending money unnecessarily, the taxes collected can go towards important things, like our police, fire department, school systems, infrastructure and more.

April 8, 2011

If I Controlled the Federal Budget…

So yet again, we sit and watch the children down in D.C. fight over spending, saving and the federal budget, real people understand what is involved in living within a budget. We all talk about “if I controlled the budget, I would do THIS.” So, here is the way I would control spending and the federal budget.

First, cut financial support for the following: Planned Parenthood, NPR, National Endowment for the Arts and ALL earmarks. If a project or plan needs funding, it should be able to stand on its own merit instead of being snuck in without notice.

Next, if an individual is in need of a program like Welfare, Food Stamps, WIC, etc., you need to show positive proof you are here legally. This will cut down on those who shouldn’t be here fraudulently taking advantage of a system in place for those at risk.

Third, change how Social Security is managed. You only get back what you pay in. You get one lump sum, tax free, at age 65. Period. If you didn’t work and didn’t pay into the system, you get nothing. Again, you need to show proof positive who you are in order to prevent fraud and identity theft. If you decide to work after age 65, Social Security will not be taken out of your paycheck.

Eliminate Obama’s so-called “health care reform.” Allow people to purchase across state lines and let the market set the rates. Let’s face it; if the feds can’t manage Medicare, how will they manage health care?

Secure the borders and deport all illegal immigrants. Now you may be asking what this has to do with the budget. Well, we spend billions on policing, arresting and housing illegals in jail. They enroll their children in our public schools and fraudulently collect entitlements. They cost us money. We would save money by securing our borders and shipping them back.

If you collect Welfare, you should “pay back” eight hours of work time for each week of entitlement you collect. This time could go to help out in their local community, such as working in the public library or planting flowers in a park.

Most importantly, move to a flax tax. This way everyone pays their fair share. Besides, if Timothy Geithner and Charles Rangel can’t pay their taxes properly, what chance do we mere mortals have? Yes, that was meant to be sarcastic.

One important change I believe should take place is that if a government shutdown takes place, military should be paid. Period. Right now, if the government shuts down, they aren’t paid. These individuals are putting their lives on the line and their families struggle without them. The very least we can do is make sure they are properly paid.

Well, there’s my “off the top of my head” list on how I would handle spending and the federal budget. What would you do?

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