The REAL Story of Thanksgiving

"On August 1, 1620, the Mayflower set sail. It carried a total of 102 passengers, including forty Pilgrims led by William Bradford. On the journey, Bradford set up an agreement, a contract, that established just and equal laws for all members of the new community, irrespective of their religious beliefs. Where did the revolutionary ideas expressed in the Mayflower Compact come from? From the Bible. The Pilgrims were a people completely steeped in the lessons of the Old and New Testaments. They looked to the ancient Israelites for their example. And, because of the biblical precedents set forth in Scripture, they never doubted that their experiment would work."

Now, you know the usual story of Thanksgiving: They landed. They had no clue where they were, no idea how to feed themselves. The Indians came out, showed 'em how to pop popcorn, fed 'em turkey, saved 'em basically -- and then white European settlers after that basically wiped out the Indian population. It's a horrible example. Not only is that not true, here is the part that's been omitted from what is still today taught as the traditional Thanksgiving story in many schools. "The original contract the Pilgrims had entered into with their merchant-sponsors in London called for everything they produced to go into a common store,' when they got here, 'and each member of the community was entitled to one common share. All of the land they cleared and the houses they built belong to the community as well.

"They were going to distribute it equally. All of the land they cleared and the houses they built belonged to the community as well. ... [William] Bradford, who had become the new governor of the colony, recognized that this form of collectivism was as costly and destructive to the Pilgrims as that first harsh winter, which had taken so many lives. He decided to take bold action. Bradford assigned a plot of land to each family to work and manage, thus turning loose the power of the marketplace. ... Long before Karl Marx was even born, the Pilgrims had discovered and experimented with what could only be described as socialism,' and it had failed" miserably because when every put things in the common store, some people didn't have to put things in for there to be, people that didn't produce anything were taking things out, and it caused resentment just as it does today. So Bradford had to change it.

"What Bradford and his community found was that the most creative and industrious people had no incentive to work any harder than anyone else, unless they could utilize the power of personal motivation! But while most of the rest of the world has been experimenting with socialism for well over a hundred years – trying to refine it, perfect it, and re-invent it – the Pilgrims decided early on to scrap it permanently. What Bradford wrote about this social experiment should be in every schoolchild's history lesson. If it were, we might prevent much needless suffering," that happens today and will happen "in the future. 'The experience that we had in this common course and condition, tried sundry years...that by taking away property, and bringing community into a common wealth, would make them happy and flourishing – as if they were wiser than God,' Bradford wrote.

"'For this community (so far as it was) was found to breed much confusion and discontent, and retard much employment that would have been to their benefit and comfort. For young men that were most able and fit for labor and service did repine that they should spend their time and strength to work for other men's wives and children without [being paid] that was thought injustice.' ... The Pilgrims found that people could not be expected to do their best work without incentive. So what did Bradford's community try next? They unharnessed the power of good old free enterprise by invoking the undergirding capitalistic principle of private property. Every family was assigned its own plot of land to work and permitted to market its own crops and products. And what was the result?"

Here's what Bradford wrote, the governor of the Massachusetts colony. "'This had very good success,' wrote Bradford, 'for it made all hands industrious, so as much more corn was planted than otherwise would have been.' Bradford doesn't sound like much of a Clintonite, does he?" or an Obamaite, if I can update it. "Is it possible that supply-side economics could have existed before the 1980s? ... Anyway, the pilgrims found "In no time, the Pilgrims found they had more food than they could eat themselves. ... So they set up trading posts and exchanged goods with the Indians. The profits allowed them to pay off their debts to the merchants in London. And the success and prosperity of the Plymouth settlement attracted more Europeans and began what came to be known as the 'Great Puritan Migration.'"

Very few people have heard this story or have had it taught to them -- and the "thanks" was to God for showing them the way. In later parts of the chapter, I quote John Adams and George Washington on their reminisces and their thoughts on the first Thanksgiving and the notion it was thanks to God. It was an entirely different story than is being taught in the schools. It's been muddied down, watered down all these years -- and now it's been hijacked by the multicultural community -- to the point that the story of Thanksgiving is the Pilgrims were a bunch of incompetents and were saved only by the goodness of the Indians, who then were wiped out. And that's what kids are being taught today -- 'cause, of course, you can't mention the Bible in school, and that's fundamental to the real story of Thanksgiving.

"The Real Story of Thanksgiving, as written by Rush Limbaugh "See, I Told You So". Page 70 in the hardcover version
http://www.rushlimbaugh.com/home/daily/site_112608/content/01125111.guest.html

About Short Sales in Maryland, Harford, Baltimore County

What is considered a Short Sale in Maryland?

A Short Sale in a real estate transaction occurs when the outstanding loan on the property is greater than the proceeds from the sale of the house after all the closing costs, taxes, liens are paid. The home owner must meet all the qualifications of a short sale in Maryland. The Home Owners Lender must also agree to allow a short sale of the mortgage. Did you know your Lender COULD release you fully from your mortgage and forgive you of your deficiency? The HAFA program, if qualified, offers $3,000 back for relocation expenses. Some Lenders are also offering CASH incentives to homeowners to do a short sale instead of a foreclosure.

For More Information, Email me your contact information RobertMcArtor@Gmail.com and I can get the process started for you immediately!

Whether you are in Harford County Maryland, Baltimore County, Cecil County, Anne Arundel County, Baltimore City, We are here to help you avoid foreclosure and become a Bank Owned Property.

What are the Qualifications for Short Sale Help in Maryland?

Are you in financial hardship of any kind? i.e. relocation, divorce, loss of income, loss of job, major repairs to your home without money to make them, increased medical bills and or living expenses.

Behind on your mortgage, facing default or foreclosure?

Can’t get your home SOLD due to your mortgage balance that is greater than the value of your house in Maryland?

You may have other situations…just contact me and lets discuss them.

If you answered YES to any of these questions then a SHORT SALE in MARYLAND may be the answer for YOU!

We will discuss your situation with you, explain your options. Please remember that a short sale is NOT always the best option for every case.

We will provide you with the required forms and documentation from your lender in order for them to process the short sale of your home.

We will answer any of your questions you may have throughout the entire process. The best part is that your Lender pays all our FEES!

We are not investors trying to purchase your home or charge you a fee up-front to negotiate on your behalf. We are here to help you the best way possible and earn an honest commission.

Give us a call or email today and lets get started!

FHA Loan Change - Those who wait will pay thousands more this spring 2010

URGENT NEWS
Waiting a few extra days or weeks to purchase a home this spring could cost buyers thousands of extra dollars as the office of Housing and Urban Development (HUD) implements several changes for loans guaranteed by the Federal Housing Authority (FHA).

Coming just weeks before the April 30 deadline for the Home Buyer Tax Credit and just days after the March 31 expiration of the Federal Reserve Board's mortgage backed securities purchase program (which has kept home loan rates artificially low for over a year), these FHA changes make it even more important to act now to save big.

Here are a few reasons why:

On April 5th, the cost of required up-front mortgage insurance for loans guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower purchasing a $200,000 home with a $7,000 down payment, the up-front mortgage insurance will increase by $965. Up-front mortgage insurance is typically financed in the final loan amount so the impact to a monthly payment will be minimal but overall, the increase is still borne by the borrower both upfront and monthly.

Later this spring, the amount of money that a seller can return to the buyer from their sale proceeds will be reduced from 6% to 3%. The reduction in these "seller concessions" can increase the amount of cash a buyer will be required to pay at closing by $6,000 for a home purchase of $200,000.

There is only one way to avoid being affected by all of these costly changes that lie ahead – submit all FHA mortgage applications by the last week of March.

Got Your Swimsuit Ready? The Second WAVE of FORECLOSURES are coming in 2010!

We have all read the headlines in the newspapers, "We are in recovery!".

With home prices beginning to stabalize and Loan Modifications are being processed, we thought the worst was over.

But is it over?

The latest market study from Jacksonville, Florida's "Lender Processing Services" shows that mortgage delinquencies and foreclosures remain alarmingly elevated. They state that, "The number of loans deteriorating further into delinquent status is now more than twice the number of foreclosure starts, indicating another major wave of troubled loans in an already clogged loan pipeline". They go on to say, "Nearly one-third of foreclosures remain in pre-sale status after 12 months - twice as many as the year prior".

The ugly word that started this mess was Subprime Loans...then Subprime Adjustable-rate Mortgages (ARM's). Most of these mortgages were reset in 2007 and 2008...the tide receded and we thought.."recovery is here...finally". .....or is it?

No one is mentioning the SECOND wave of ARM resets and eventually....foreclosures.

This new WAVE of foreclosures will be difficult for the industry to handle. (Unless of course you are a potential buyer of one of these Bank Owned Homes). This new wave is primarily made up of "Option ARM's". Remember this name. These basically gave the borrowers the option of what they want to pay during repayment.

Many chose the option to make a smaller payment which is below the amount needed to cover the interest on the loan. This in-turn causes the mortgage balance to increase. They can continue to make the minimum payment until the mortgage balance increases to 125% of the original amount. What?...that's right...many loans are already their....125%! This is when the wave will start...we already seeing it happen now....just not in the drive-by media!

According to Whitney Tilson and Glenn Tongue of T2 Partners, about 80% of the Option ARMS's are negatively amortizing. These loans were set to reset in 5 years or 2011 but that reset is occuring now for many homeowner's....why? Because for many of the Option ARM's...they are so negatively amortized that they are hitting the automatic reset cap much earlier than expected....the wave is coming!

Can you imagine in this economy receiving a new mortgage payment 2 or even 3 times the amount you were paying before? As REALTORS we keep saying now is the time to buy!...I receive calls all the time from potential buyers looking for Bank Owned Homes in Maryland and Baltimore. If you are looking for purchase a Bank Owned Property or Home in Maryland and are looking for an experienced real estate agent, Robert McArtor with Long and Foster Real Estate, Inc. is your answer.

Why Choose Maryland HOMES Team? - I have negotiated deals for my buyers that they are very please with. I even purchased a Bank Owned Property for $100,000 under the Principle Mortgage Amount AND negotiated the bank to pay ALL my closing costs. I know how to do it...I know the timing...contact me today!