Who would be stupid enough to lower Interest rates when inflation caused by The government over spending is still Hot the stock market is at a near All-time high and the employment level According to the government's numbers Not the real numbers but according to The government's numbers is at an All-time low unless a the picture is Painted as an illusion meaning the Underlying facts point to a severe Downturn welcome back to real estate Mindset today's video video is extremely Important and some of you may have Noticed that I haven't been releasing Any new content over the past couple Days the preparation of today's video is The reason why as it directly impacts The movement and direction of this very Channel and the Very Empowerment of its viewers and obviously I have our community wizard seasoned Building developer quantitative Financing expert Mitch vexler here today To help break down the entire state of The economy government spending the Housing market and the overall health of The consumer and I can guarantee you if You watch the entirety of this video you Will leave here more empowered and you Will leave here with valuable insights And a thorough underthe Hood breakdown Of the current state of what's going on And why do you guys need to do that well
So you can survive the challenges and Improve your life Mitch how are you Buddy good it's been a long several days But the amount of information that's Coming in from all the viewers along With the evidence which is really Crucial is very important and you're Going to see as we go through all this How these things start connecting and That's what I hope to achieve here is to Be able to connect the Dots well let's start connecting the Dots and let's start mainstream let's Start with what a lot of people are Talking about the stock Market now during the obviously the Course of this video series you've Called for the reversal of a double Bottom uh you've argued actually for Made the argument for a double all-time High and you know here's the thing Mitch I don't understand the stock market I Know it's very influential to Consumers I know that it can really swing emotion But you know I just don't understand it Can you tell me and can you explain to Viewers how you're how are you calling This how do you have that what Experience do you have that you're able To do this that you're capable of do of Doing this well it's taken a long time To be able to learn all the Idiosyncrasies on how the market Responds because one can be be a
Technical analyst and look at the charts And not care about the fundamentals or Anything else but first let's get Something clear um there's an old saying That past performance is no guarantee of Future performance and I'm not always Right with that said price shocks Usually caused by human interference can Temporarily knock the probabilities out Of its expected range which is what we Saw a couple weeks ago when the Liquidity on a Sunday night dried up and That caused a volatility Spike the kinds Of which have never been seen um I Consider myself a permanent student of The markets and that is what Quantitative finance and statistical Probability allow me to do so Statistical probability and quantitative Finance to me are the study of Volatility and the effect on pricing of An underlying asset which leads to the Expected Move so not to get all geeky on Everybody but there's several components That go into judging the value of a Property as well as a stock value and They're Alpha Beta Delta gamma Theta row Verta VMA Vana speed charm um and I Think I said VMA as well and color so These did you say charm yes charm Continue these are the first second and Third tier derivatives of the black Scholes meron formula this formula is
Used to create the cumulative density Function of a standard normal Distribution which tells us what the Probability of an event occurring within A specific range up or down and the Probability of that event occurring all Else being equal this means that given The known volatility of price of an Underlying stock or index that that that Price should be between a resulting Upper price and a resulting lower price Which can be seen in the gajian channel Are also seen in the pring of puts and Calls on an options chain in the form of Delta all those Greeks that I mentioned End up being reflective inside a Delta I watch the markets to keep an eye On the interest rates stock indexes gold And oil however the exact same formula Can be used to determine the pricing of Real estate and very few people know This and very few people even know how To apply This once you understand that price can Probabilistically be determined that one Can use Monte Carlo analysis in Excel to Predict out in time to determine the Future value within a Range we can take this up one more Notch As a method of quantifying the Probabilities of an event occurring and Hedge or think about what if scenarios Hedging can take different forms but the Point here is the study of volatility in
My world is crucial as it affects every Person watching these videos even though They may not realize it if you have a Mortgage or a house or a commercial Property or a competitive business then The volatility of price even if the Price is stable temporarily affects you Every single day you just don't know it Mortgages are pulled cut into pieces Bought and sold as well as houses and Commercial properties are bought and Sold all of which creates volatility of Price standard deviation is a measure of Volatility did you know that the Standard deviation is a requirement with Inside of usap that's uniform standards Of professional appraisal practice and The Texas property tax code did you know That uniform and equal is a requirement Under the Texas Constitution did you know that standard Deviation can be used on a line by line Basis to compare such things as income Rent per square foot operating expenses Debt to income Etc why is it that dcad Is not using standard deviation as Required in law I would argue that if Dcad were adhering to the law and Standard deviation Travis and I would Never have met and there would be no Need for these Lawsuits as we have seen through the Evidence the cads Do Not adhere to the Law or standard deviation because it is
Their intent to commit fraud and Simultaneously violate multiple state And federal laws all in favor of Continuing the cover up of their prior Frauds and that is the definition of a Ponzi scheme in addition to standard Deviation commercial commercial income Producing real Estate has other determinants of value Including discounted present value Net Present Value return on investment Return on cash debt to income ratios how Is it that dcad is not running any of This analysis as required in usath and The Texas property tax code no CAD that We have seen is capable or cares about Adhering to the laws which is required And specifically and this is a quotation Under the Texas property tax code all Clear and convincing evidence that is a Requirement volatility of price is the Determiner of value as is a quantifiable Method and and compared frankly to what Charles Stafford said to Mr Don Spencer The chief appraiser Mr Spencer you and Your team are the Masters at guessing You're not allowed to guess in law yeah And there's no there's not we lean on For a reason in it just to break that Back down Mitch and correct me please if I'm wrong but it seems to me you're a Mathematical expert when it comes to Volatility and when it comes to price is That fair for me to say that well I kind
Of don't look fondly upon that word Expert I mean got depends what context You're talking about I'm not paid to do This so I'm doing this because this is Something that I know and in reality This is something I've been doing since I was a kid I just couldn't Define it at That time but I understand what's Happening here and I understand what's Happening to Mom and Pop and more than That even what I understand is really Not even relevant the question is what Can I prove and all everything I can Prove is on that website they can't get Out of this box and nor nor can they Argue anything that I'm saying well one Thing I want to prove and I hope that's Proven during this video is the Catastrophe that is consumer apathy I Want the viewers to understand what Apathy is which is a lack of Interest How dangerous that is for our Civilization and society and that's a Primary reason why the lack of Enforcement over existing laws to stop The fraud that's going on but that Brings me to my next question Mitch and I want to kind of clear the air here uh A lot of people have not understood what You're saying you know they're oh what You know property taxes let's get away With property taxes you know where's the Money anti-government anti-government But Mitch will you please explain to the
Viewers and may I ask you sir are you Anti-government no not at all um I'm in Favor of a functioning government that Is there for the citizens not for the Growth of the government itself which by Definition is dysfunctional and which is Socialism as seen in Canada which Unfortunately is why I Left My Home Country I've seen this before I consider Myself an economic conservative and Based on my experience and the evidence We have I'm doing what I can to help Mom And Pop The Mandate of safety Health and Welfare Of the citizens is necessary to stop Chaos in any society and that should be The functioning maximum role of Government with that said I am Anti-ad because based on the analysis And the evidence on dcad and now in Receipt of evidence from other Jurisdictions my conclusion is that the Cads are conspiring not to adhere to Usap State Property Tax codes state Constitution ions and the US Constitution and if they were adhering To the law then 80% of the current Employees at the cads would not be Necessary and that's a major point right There it takes manpower to create a Coverup of fraud the size of which makes Bernie matad off look like a mitch Real quick just for the viewers just Depending on when they've joined us you
Guys I want you to look at the cad which Is the Central Appraisal District that's The tax collector so when we say CAD or Dcad or whatever that's your Jurisdiction's tax collector and what Mitch is trying to explain to you is the Fact the fact that there's so much Apathy and lack of care for consumers to Fight these Tax Collectors the fraud has Gotten to a level where the enire the Entire system that we're in is Unrepairable so just wanted to catch Everyone up Mitch please continue sir so The employees at these cads we talk About dcad they or any of the cads Create subterfuge for what is clearly a Ponzi scheme of immense proportions at The command of the co-conspirators such As the taxing entities these cads are Owned by taxing entities like the school Districts uh you can call it Lewisville Independent School District or Denton Independent School District it doesn't Matter what you're about to learn Through these videos there's multiple School districts doing the exact same Thing this has turned into a Ponzi Scheme of biblical proportions and to That point just recently what was Brought to our attention are something Called the 313 agreements in the itasa School district which are promoted by The state comproller wherein the school Board agreed to back stop the financing
And construction of solar Fields well The return of investment and return on Investment are murky at best and there Appears to be no notes reflecting the Same on the school's budget and also There appears to be no cost benefit Analysis so if that doesn't get your Attention then the stated debt principle In 2004 and 2025 proposed budget of 8.25 Million is down from 9 million 9.6 Million where did over a million dollars Come from there's no information no Footnotes as to how this could happen Unless the district received windfall Money from excessive taxes which proves Overvaluation and over taxation at the Hands of the cad and that is not yet Reported in the budget well now the Question becomes Why if this is the case then the District might be attempting to put Themselves in a position not to receive Less State matching funds because they Intend to receive more money from the Federal government in addition to the Solar farm taxes and hide the fact from The federal government this is pretty Serious could it be that the school District is hiding the fact that they've Received a great deal of money from the Fraudulently overvalued and increased Taxes collected in 2024 and have not Accounted for that in the proposed Budget of the 2024 and 2025 and the net
Result would be creating a fraud not Just on the citizens but on the federal Government Mitch real quick let me catch Up some of the viewers what Mitch is Talking about right now is basically the The cad the tax collector one of their Biggest takers of our tax money if you Will is the school districts actually by Far uh but they're also in charge of Other uh Municipalities uh and essentially what Has happened guys is the again the lack Of enforcement the lack of transparency And the apathy of the consumer and what Mitch is going over right now are these Solar contracts called 313 agreements That's why I flashed this on the screen Right here to show you guys it's a Statewide problem this is in New York They're basically making agreements with These 313 uh contracts with solar Companies that have failing business so The school districts are using your Money and my money to pay three times The amount that Mark then the market Amount to these solar companies and Mitch I apologize for interrupting you Brother please continue no no it's all Good it's all good um I'd point out to The people who are co-conspirators in This even though you may or may not know What you're doing I'd like to point out Title 18 us code section 1512 C1 and two Whoever corruptly Alters destroys SEALS
Or obstructs influence impedes with Intent to impair the object's Integrity Or availability for use in an official Proceeding which is what the School District board has done apparently shall Be fined under this title or imprisoned Not more than 20 years or both the point I am making here is that being on the Board and signing an oath means Something extremely important and simply Stating we didn't know will be of no Value to you in front of a judge Mitch Mitch really important to cover what you Just said one thing for the Viewers how do you change that how do You put more things on record that you As a consumer are notifying your your Tax collectors and Appraisal districts You have to fight you have to notify Them just like Mitch has done he's Notified them hey you guys are breaking The law there's no math here the more And more you guys do that in your own Jurisdictions in regard to your own Property the more Promptly this this will change Mitch I Apologize sir continue no it's good so The atasa school district should be Quickly investigated and probably be Placed into involuntary bankruptcy Andor Conservatorship to unwind the mess the Itasa school district case is one more Piece of an Ever growing list of Evidence that people are sending in
Because they know that their properties Are overvalued and property taxes are Being stolen the evidence on the itasa School case can be found on a newly Created website that was just launched Last night and it's called Www.c commmons sense law.org In addition to the atasa school district We also have the case of the tant Appraisal district meeting last week as Reported by Emily wolf which we Discussed on a prior video where many of The Taran School County districts showed Up at that meeting demanding that the Appraisal district keep raising the Property taxes year after year even Though the tant appraisal district had Met the prior week in an attempt to Freeze the values or they the schools Will be broke which proves that a the Schools are financially bankrupt today B Morally bankrupt because it was made Clear in the Teran Appraisal District Meeting that the children are secondary In thought and the main emphasis is the School district's Pocketbooks it's interesting to point Out how two different school districts In two different regions Of the State of Texas not including the Denton Central Appraisal District have the exact same requirement To keep raising property taxes to cover Off the annual shortfall but Mitch you
Know I want the viewers to really really Understand this is just what Mitch is Working on with his soul right this is Where his efforts are his actions are Don't think that it's just there we've Had people reached out from I think 47 States now Mitch and we you know for the Same same exact problem so it's this Type of Fraud and Overvaluation is happening Across the Nation and we're gonna get back to the Stock market and but this all is Connected continue Mitch exactly what We're trying to do here is explain to Everybody how all these dots are Connected and it all starts with Mom and Pop so if the property taxes just for The sake of conversation never mind what I'm doing or anybody else is doing let's Just say the market causes a 15% drop in The value of those property tax taxes do You understand and where exactly is that Money going to come from to pay off that Shortfall and the answer is it isn't Because we've already proven that 37% of The households can't afford the roof Over their head and they're In Harm's Way of Bankruptcy so to this point which is Also pretty interesting on Saturday I Received a call from a very nice person Who happens to be a trustee on a school Board in Frisco Frisco is actually part Of Frisco's inent and Central Appraisal
District's Jurisdiction I Explained an event to this person that We have documented on the mocking birg Properties for dcad website and the Response from that person was well that Just can't Be this person's concern was that the Board was not turning over the financial Documents that this person had Sought in our discussion this person had Locked on to the fact that one Or a few of the School District board Members had met with the chief appraiser To deliver the budget numbers from which The chief appraiser totals them up and Then backs into the property values uh By literally having predetermined Budgets handed to him from the school Districts this person clearly didn't Understand what is happening and I Suggested that a deep dive to connect The dots would be appropriate for any Person whose head is buried in the sand Because this problem Affects 44 million homeowners in the United States alone I then explained That if the taxing entities were not Colluding with the cads then how could All the evidence on the mocking bir site Exist and the evidence includes Decads and its own employees testimony And tax rooll certifications we didn't Make any of this up these are their
Documents they don't have anywhere to go What are they going to do deny the Evidence it's their damn documents and That was the point but it's but Mitch It's more I've I've personally heard the Audio they're not even denying this I Heard the chief appraiser State on Record through recorded testimony that They removed 60,000 comparable Properties that they put it in Excel They manipulated that data and then they Put it back into the system and he Congratulated his staff for doing that And he stated that doing that was a Business Decision Which that it's just there's the there's There's multiple combinations the Protection for the taxpayer is not there Okay but there's also again the apathy The lack of care so again I I really Hope the viewers that are making it this Far in this journey when the time comes And it's coming shortly tax season's About to start next year I hope you guys Step up I hope you step up because we All need you to because of the apathy Guys Mitch please continue sir and we're Going to get we're going to get back to The stock market like I said guys we're Going to talk about the 1920s This is really important stuff so and Coming back to your point Travis on Those two facts alone where Don Spencer
Stood up and said we manipulated 60,000 Properties in Excel and put them back Plus Charles Stafford's own statement Which is Mr Spencer you and your team Are the Masters at guessing on those two Points Alone dead belongs in a criminal Investigation immediately because they Can't get away from it it's their own Testimony and by the way that testimony In both instances is is under threat of Perjury so just to show you how twisted The position of the school districts at These appraisal board meetings is by not Arguing to lower or eliminate property Taxes as a result of the corruption they Are literally arguing against their Friends family and themselves Eliminating property taxes in favor of a Sales tax is the only quantifiable Solution not more dysfunctional mob Acting like government I.E Rico to Manufacture and then cover up more Crimes against the Citizens speaking of Citizens let's go back and let's look at The 1920s there are a lot of people that are Confused Mitch for understandable Reasons data manipulation why is the Government in the census manipulating Data control control over the narrative To keep the fraud going because at this Point I hope you guys as the viewers Understand we would be in recession we
Would be in a depression if it was not For not just government and fed Intervention y'all it is the fraud that Is holding everything together there's Literally too much money in the system And the only way to release some of that Money and to keep this going is the Fraud and so if if you can Mitch from Even a consumer standpoint GDP are we Repeating the 1920s does this situation have the Potential to be worse because the Intervention has been Greater the on one hand the intervention Has been greater on the other hand one Could make the argument that the Regulations have been completely ignored Causing this problem so over the years I I've been tracking this and I got my own Little hit list but there are Similarities to the 1920s so they would be wage and wealth Disparity we have that energy Consumption is Low the debt level is extraordinarily High at 120 6% of the gross domestic Product not including unfunded Liabilities and the unsafe level is Considered 90% above gross domestic Product in the 1930s the US and much of The world were in a Great Depression With interest rates near zero and Defaulting debt and failing Banks were
The norm Okay and we're about to learn something About the FED is up to after the war What got people working was the Abundant Supply of fossil fuels that was used to Create debt-based demand to pull the Economy forward infrastructure jobs were Created as part of the necessity to Improve the gross domestic product the Stock market collapsed on October 29th 1929 the speculative bubble was fueled By low short-term interest rates okay Hold that thought for a minute now What's identical the economy becomes Very fragile when growth in the energy Sector is low compared to the growth of The world's Population the debt can't be managed Without Growth weak banks will default and close Price drops in homes farms and other Assets has a very high Probability debt defaults are very Likely to occur as a result of asset Prices Dropping governments defaulting on their Loans and pension plans going bankrupt Also a high Probability So based on these two issues What was and what is we certainly have a Situation that looks very very close to Me you be the Judge I'd like to add that there is Somewhat of a fix meaning there will be
Pain but it doesn't have to turn out to A full depression with 25% Plus Unemployment it takes serious people to Understand the depth of the problem and Then tell the truth about the plan to Correct course to minimize the damage This is exactly why voting matters and Exactly why people cannot bury their Head in the sand you cannot be apathetic This is all Hands-On deck we have the Energy resources within our Shores we Have the knowledge within our Shores we Have the people mom and pop which is the Economic engine within our Shores so Ensuring that they have their own assets Under their feet and they own those Assets by eliminating property taxes Will go a long way towards minimizing The economic Damage president Trump is more aligned With the above than any other party However it is crucial that people not Pay rent on their land because they need The ability to build their wealth and That is the largest asset for Mo most People Mitch let's let me ask you this Okay going back to the stock market and And I want to ask you about demand being Pulled forward uh the demand being Pulled forward Each time the fed intervenes and that Demand is not just consumers that demand Is also Wall Street we saw that 2013 on So demand is being pulled forward
Unnaturally by the Federal Reserve and it's being maintained by Straight up fraud I should care as a Consumer because this is affecting my Life my life has evolved if you will Into a debt enslavement it has affected My children's educ Um my own happiness my own ability to Thrive um and essentially I'm paying for Other people's fraud the actual tax the Premise of the tax is not even going to Help the people the very people that we Were told it was going to help we see That with the NBS and so have we hit That double top yet tell us a little bit More about the house not about the house Market yet but tell us a little bit more About the stock market and how you kind Of how are you playing the stock market Yourself Mitch well per se I don't play The stock market what I would be doing Is when we see a true double top where The market starts backing up and you'll See things like the housing market Itself like if you look at the stocks of Dr Horton or lenar they're pretty close To alltime highs if not at all-time Highs so this isn't the time to go short The time to go short is when you see a Double top and the market is already Headed short so what you're beginning to See and I hope we're trying to get Through to everybody is that the dots Are all connected well when you have
These housing companies that own their Own appraisers as you saw in Jeremy bag Go's video that Travis did um you see That there's problems with these Appraisals when you look at the cads There's problems with the Appraisals and for different reasons but The problem is there are problems and You can say well there's not enough Regulation yeah this statement would be True but here's the underlying Point Nobody seems to give a damn about the Current regulations so adding more isn't Going to change what's happening here And the FED in reality although it Sounded good on paper when it was Created was really created to back stop The Rothschild's Banks had nothing to do With anything else and the FED to this Day doesn't really care about Main Street mom and pop they're still there For the exact same reason which was to Stop a bank run um but the problem is You have now 58 some hundred some odd Banks in the United States when the Stock market claps last time give or Take there was about 200 okay the Government isn't big enough to back stop These Banks the Federal Reserve isn't Big enough to back stop these Banks and As I've said they haven't been on the Right side of a decision since the day They were created so yeah they're there To back stop the banks but that doesn't
Help Mom and Pop now you can make the Argument if the banks go broke then That's hurting mom and pop absolutely But the reality is the United States Should have today probably less than 500 Banks and when you get in under the hood And you look at the shadow Banks and you Look at the hyper creation of credit This is all bad and this stuff cannot be Unwound it's a spaghetti bll it would Take Lord knows how many forensic Accountants to pull this stuff apart and Therein lies the problem it's all being Hidden and if you're built on a fraud Mom and pop are going to get hit a not Just in the bag of their houses they're Going to get hit in the pensions so this Is bad and it needs to be Unwound slowly And properly with thought in order to Stop Max maximum damage this isn't about Not being damaged this is about stopping Maximum damage let let's talk about Something you had mentioned and I want To segue into the cause and effect of That you you said something and I like This you're the first person I heard Really pinpoint this hyper creation of Credit right these shadow banks these Banks don't really have their own money They're using someone else's money They're cutting the asset slicing the Asset up um you know it's a really Really bad thing but what I want to People to understand is because of many
Reasons corruption is a huge one as soon As things are corrupted we pay as Society we need the people at the top And we need the elites the elected Officials not to be corrupt that's it That's all I I don't care anymore Mitch Republican Democrat I just want Someone that is gonna decide to care About the People before the elites profit margins I didn't realize that was so much though Mitch that has been it's too much to ask For it is it's so bad now my children Are paying for it and this is what it Looks like you've mathematically Mitch Is mathematically again he's a wizard And math Mathematically put that formula into the Overvaluation of houses look at this Guys and I just want to break this down Real quick Mitch has done an example of An appraisal district this is Denton Okay the population is about a million People and I'm just going to go straight To the average median home value in that County so the average median home value In that county is 54,000 okay which based on you know all Its calculations median household income Mortgage payment property taxes Homeowners insurance bringing it to a Total monthly housing payment that Puts the average home owner at a 48 62% debt income ratio and that's a
Frontend debt income ratio that means This is not including credit car Payments it's not including taxes being Taken out this is a gross income Calculation now when you go down and you Talk about the qualified mortgage law And guidelines stating the frontend Ratio I'm not talking back I'm talking Front end ratio where it's a measurement Of growth income into your mortgage Payment no debt included that is the Front end the back end is with debt Included like credit cards and cars the Maximum according to the guidelines and According to the reason why they sold us As Americans to bail out the banks During the great financial crisis and in 2012 during operation Twist they said we're safe as consumers And this problem will never happen again Yet it has happened again It's just more clever it's more Fraudulent it's more embedded Systemically in our homes shocking so When you look at the 28% versus the average of 48.62 per you Start to realize that the True Value Should be something around 296,000 not 54,000 which is an overvaluation based On Just you know things like consumer Health affordability the livelihoods of Our family the ability to raise our
Children 74% Overvalued can you go into that ma'am so I just want to point out something that You said which Is there's 144 million houses in the United States fraud is touching virtually every Single one of them and this is not left Right issue fraud cannot denote if You're on the right or the left Everybody's being affected by this Everybody's money is being stolen the System has become Beyond repair we we Have the evidence that the database is Irretrievably corrupt and what you're Seeing here just in this one page alone These are several counties which Indirectly shows that they're all Talking to each other and copying from Each other They're copying the fraud but If you go across the bottom so in Johnson County you're the cat exceeding The ability level is 64% then go across 74% 63% 38% 104% in Travis 67% in Teran this literally shows that this is A cancer that has truly metastasized Across the United States and I handed You a list before of all the areas that Are now coming into us saying we've got This problem we got this problem it is Truly across the United States we just have happens to be Ground Zero is Texas because we've got the
Evidence that nobody's able to ever been Able to get their hands on we now have It you know what's amazing about that Man it's just like and it's Non-disclosure State you would think it Would be harder for us to find this Information being it's a non-disclosure State like whereas like disclosure States California everything is Public that's how bad the fraud is That's how that's how much they rely on That property tax fraud to Maintain if I can Mitch you um can we go Into To Powell when you go in now to Powell Basically vowing recently to cut Interest Rates and you know meanwhile home prices Stocks food all-time highs so a lot of People don't don't get that right we Have alltime highs for everything pretty Much and now Powell is suggesting and Appearing to guarantee the market that He's going to cut interest rates what Impact is is that having will that have On the economy and what does that tell Us about what's going on under the Hood okay so there's a couple of points In here and I guess I'll just start at The beginning of this but if the FED Went on vacation for five years Literally just locked the doors and Walked
Out then there's something that I Mentioned before which is called row Which is the interest rate well if row Would be stable for five years That fact in it in and of itself would Prove that the FED isn't necessary let's Think about that for a second you need Stability in a market for the market to Be able to maneuver and create value Well the FED is not monking around and Financially engineering Society for the Benefit of the banks then row would be Stable now we learned that the FED is Going to come out and they're talking About lowering prices so let's talk About that for a second who would be Stupid enough to lower interest rates When inflation caused by the government Over spending is still hot the stock Market is at a near all-time high and The employment level according to the Government's numbers not the real Numbers but according to the Government's numbers is at an all-time Low unless a the picture is painted as An illusion meaning the underlying facts Point to a severe downturn B political Interference C somebody figured out that the interest On the debt can't be paid by the Government or its citizens which would Require near zero interest rate policy And a freeze an immediate reduction of Spending by the government well that's
Like not to happen but something is Clearly up the fed's position clearly is Let's try one more round of fraud Kick The Can down the road so that poan state It didn't collapse under his watch and That's really no different than what Bernicki did Deja Vu ER go that proves my point the Federal Reserve should have the doors chained They are of no value they add no value Into the system other than for the Benefit of allegedly backstopping the Banks but there's too many banks for Them to back Stop So if near zero interest rate is a Requirement then for what purpose does The Federal Reserve exist on interest Rate policy without the exception since The day it was created in 1935 Being a scam designed to back stop the Banks because the banks were creating Highly leveraged credit so my question Is how's that working out for You um well I could tell you how it Worked out for me when I was part of That problem Mitch I lost everything and It took me nine years to start to Rebound so that's what happened to me But you know speaking of this Shadow Banks you know speaking all of this Crazy lack of transparency lack of Enforcement and what appears to be free Will of these lenders to just generate
Credit and money you know and and and You're talking about they put the risk On us as consumers right so aren't these Programs a fancy word for lone shark Like the hard money the buy now pay Later the uh dcsr loans the Airbnb loans The um bank statement loans exceeding 28% debt to income ratio as required by The Guidelines isn't all that just a fancy Word for loan Sharking yes and there's lots of Problems inside of that but when you Make people desperate they do desperate Things and it's a combination of lack of Education because in reality if you Can't make the payment today what makes You think you can make that payment in Six months or 12 months from now so the Hard money Lenders are nothing more than a fancy Title so if you're a short-term hard Money lender and you're loaning money at 18 24 30% you are loone sharking loone Sharking falls under the definition of Rico and I have no sympathy for those People who are doing that and frankly Most of them belong in jail because they Pray upon people who don't have the Education to understand that if I can't Make it today what are the probabilities Of me being able to make that payment in Six months or a year from now so do not
Fall for any of this nonsense well it's Just a temporary loan we'll help you out Because the reality is you're handing The keys to your house to a loone sharp You may not realize it but that's the Reality you're better off going to the Bank and saying I've got a problem I Need to rewrite the mortgage I need to Extend the mortgage deal with somebody Who's legitimate not somebody who's got A sole interest in taking your property And you would be put in this position in Reality because the taxes have gone up They claim the values have gone up you Can't afford it based on the fraud so it All comes back at the tail end of the Day again connecting the dots to the Cads that are creating the fraud on Behalf of the taxing Entities and speaking of people trying To take your property M can you explain To the Viewers why the market the media Goldman Sachs has Suggested that the housing market that Real estate has hit it Bottom why would they be saying that Because obviously we'll have to Acknowledge we have to it confuses People it confuses people especially Mitch in tight markets and those tight Markets where they don't see what we see Here in Texas and then with that coupled With mainstream media suggesting that
We're wrong they're Right can you explain that yeah so that Question came about as a direct result Of a viewer seeing something in Zero Hedge where Goldman Sachs said the real Estate market is Bottomed and I'm going to answer that Question with a series of Questions why has the birth rate in the United States declined since 2009 could it be as a direct result of Government policies to the financial Crisis 2008 2009 the policies favored capital and Those who already owned assets at the Expense of everyone who did not have Assets or were too young to buy a house Could it be that the cost of Hospitalization has gone up 99% since 2008 could it be that the people Recognize that there's problems in the Pensions and that those pensions may be Insolvent in the last four years across Texas and many other states as a result Of the cads committing fraud by ignoring Usap and increasing the values of homes By 100% that's four years up 100% plus Did your income go up 100% Plus in the Last four years of course not wasn't it Goldman Sachs who needed a bailout in 2008 from the government and Warren Buffett could it be that Goldman Sachs Is in denial or more to the point could
They just be preaching their book long Enough to sucker people into the market When they load up on puts and credit Default swaps and are in fact preparing For the reversal of the market yeah That's exactly what it Is so uh Mitch Um what I hear is and what the data Suggests clearly beyond a shadow of Doubt to me because math is math 2 plus 2 equals For we can't afford to have a family Many of us many of us and I have four Kids so I feel this many of us cannot Afford to have a family As a result of the overwhelming fraud Okay so can you Explain how do you think That population Decline will Impact residential real estate well That's easy all you got to do is look at Japan right Japan is in a world of hurt Because they have population Decline and You have a circular argument I've been Saying before you have cumulative Compounding well cumulative compounding Means under the rule of 72 that the debt Be it both national debt and unfunded Liabilities which has both of them have Interest rates associated with them and Those interest payments have to be paid Well those things are doubling give or Take anywhere between five and seven
Years well if your population is going Down then please explain how you're Going to pay this off and the answer is You're Not and the sooner the world wakes up And recognizes that problem the faster We can deal with this nonsense Mitch um Are the cads remember guys the tax Collector are the cads involved in white Collar Crime well so I went to Wikipedia and I Looked up the definition of white collar Crime which refers to financially Motivated non-violent and non-direct Violent crime committed by individuals Businesses and government professionals And it goes on and on uh um but the Bottom line is Yeah by definition that Is what it is but more important to the Point under federal law I want to read Something a reviewing Court shall hold Unlawful and set aside agency action Findings and conclusions found to be Arbitrary capricious and abuse of Discretion or otherwise not in Accordance with law that's USC 762a you know who's who actually put That to a supreme court brief in December of 2023 Ken Paxton Attorney General State of Texas that's federal law he's quoting The federal law back to the Supreme Court well if it's good for the goose It's good for the gander it's my first
Comment second comment is if the shoer On the other foot you have to look at it Through those eyes your honors and the Reality is clearly decads and all the Cads actions are arbitrary capricious And abusive discretion and not in Accordance with the law because they Violated uspap they violated the Texas Property tax code they violated the Texas Constitution and therefore they Also violated the Constitution of the United States of America under the fifth 14th 16th and yeah even the first Amendment when they're trying to stop People from talking at these ARB Hearings this whole thing is about Connecting the dots we now have the dots Connected you know Mitch there's you Know having said all of that the fraud That is very clear clear for you and I To see they're still doing it absolutely They still doing it and and and arguably It's getting much worse and so a lot of People feel and ask themselves and I've Even done this myself I'm not saying Recently but I've done this myself I you Know I get insecure I feel sometimes Like I can't Win the all of society the system the Economy the housing market is all out to Get me knowwhere to run blah blah blah Blah Blah people will ask themselves smitch They're in say they're just one
Person what can they do to change things How can you help them put Money back in their Pocket okay so I want to point out that Leslie my accountant AR Mo you Travis JD At kellerer Williams Mr lions in Florida And Mr Mashburn myself and those who are Writing and sending us emails and Evidence from across the United states Are individually just one Person it's one person getting off their Butt and putting pen to paper and coming Up with a solution that suits their Circumstances when you add all the Actions of just those one persons the Result is what you see in these videos And that is designed to inform and once Informed then designed to arm you with a Method to put the money back into your Pocket and into the pocket of your Family and the real estate taxpayers and Allow them to own their financial Destiny by owning the land beneath their Asset and by eliminating the property Taxes again connecting the dots so in a Mathematical formula which I just put Together it says education equals Information equals ability to protest And file suit where necessary and that's What we're doing education information Ability to Protest following through on what you're Learning and putting it into action Means don't be apathetic and think that
Someone else will run the ball for you I Can't I mean the best I can do is show You our evidence show you how it's set Up show you how it's structured but You're G to have to pick up the ball With the information we're giving you And run it for your own property there's 144 million homes and every single Property owner should watch this series Of videos and see the evidence for Themselves on the mockberg Properties.com for dcad website to Understand the problem and after which Time those Property Owners will Mo know More than the appraisal districts Themselves in addition what you can do Is forward these videos to as many People as you can and ask those people To do the same forward it out get people Moving get them to understand what is Happening beneath their feet and frankly Annoy the hell out of them when you say Listen you don't own the land under your Feet you're paying a tax on something You don't own and if you don't pay the Tax they're going to take it from you Which proves the point you don't own it And that's why this is so important Mitch and this is especially clear in Texas where we have Outrageous property taxes but I mean It's clear to me depending on the type Of ownership right that especially where We live that being a homeowner you're
Just a glorified renter you're and not Only are you a glorified renter because You don't own the land they will take it From you there are people getting second Jobs just to afford the property tax Increase as a result of these districts Backing into the value and this is a Nationwide corruption and fraud problem All right having said all That you're a renter of a property even If you have Ownership I'm a realtor okay I'm around Realtors all I've been around a lot of Realtors Mitch I would even say I have a bias maybe It's tough love uh I want to teach Realtors how to be better pillars of Their Community that's really important I feel like Um I'm just going to straight up ask you Man um are realtors committing fraud are Realtors involved in Fraud straight up highly likely but it's By inducement not necessarily by intent So so I did a video for KW and they've Got 84,000 Realtors across Canada in the United States and something that came Out of there as I was in the car Thinking about it on the way back is That Realtors Across the Nation are Being sucked into the middle of a scam Created by the cads and we know this Because Jeremy Bago in the video that You did with him pointed out in his
Video that Fanny Freddy HUD are Commanding that the fraud be done in Order to H H the target of the appraised Value or the appraisal will be fired or Never get another Job when the Realtors look at the cad Valuation or receive an appraisal and Accept it at face value for the purpose Of receiving a commission they put the Commission first and put the buyer in a Potential losing position especially if They've engaged that buyer in a bidding War True Value is established with a Willing buyer and willing seller neither Under durest and based on cash settled Amount if the appraiser is being forced To commit fraud based on the cad values Or pumped up values at the the demand of The Appraiser's boss or the mortgage Lending entity then the realtor ends up Inadvertently repeating the same fraud The appraisers were induced into which Further backs up onto the clients either Way it's not good the problem is made Even worse if the buyer enters into a Bidding war which they can't afford as Seen in the home afford ability Comparison PDF that we were just looking At when you look at those values across The bottom of the screen there's your Fraud you're overpaying for these Property 64 74 63% based on Affordability there's your Fraud the beauty is we didn't make the
Numbers we just Createdat honestly Mitch I would ask you Why is the cad and remember to the Viewers the tax collector CAD tax Collector why is the tax collector doing This but we already know that Mitch I Mean we've already knocked that out of I Feel like we've knocked out of the part Like okay why why right and then why Manipulate data control control control Control they need control and they the System is relying again I think I've Said this already but is relying on the Consumer to maintain Apathy and why man why you know it's It's messed up but I I want you to go Into this for the people that are Confused maybe there are people that Live in a smaller Appraisal District Okay maybe there are people that are Hearing this but they're saying to Themselves maybe in they in a tight Market Mitch and they're saying to Themselves this is not going to impact Me Texas is a different Beast a dent County has a nextx bigger Issue what do you what do you tell those People that tell themselves it doesn't Impact them it does impact them if You're a billionaire it will impact you If you're a person who owns a $200,000 House it does impact you so the idea That this isn't going to touch anybody Is complete nonsense and the reason why
Is if you're a billionaire in 40 or 50% Of your staff shows up one day and says I can't afford to live in my house give Me more money well congratulations Mr Billionaire you now will start feeling The heat right you got employees you've Got you're G to have this problem if You're a $200,000 300400 a million Dollar homeowner clearly right now today You've got this problem and this isn't Going away so the idea why are the cads Doing this well in truth they need to Just like you saw with the turn Appraisal District when the school Showed up School showed up because it Said if you don't continue to raise not Freeze raise the property values we will Go bankrupt point being you're already Bankrupt therefore the school districts Are the taxing entities giving commands By in the form of predetermined budgets To the appraisal districts the appraisal Districts don't give it about accuracy Or truth they only care about timelines And meeting the predetermined budgets as Commanded by the taxing entities full Circle which leads to the creation of The fraud so money is stolen over and Above what would be the legitimate value If they adhere to the law which they Don't and therefore you've got graft and Corruption at the cad level and the Taxing entity level and people have got To wake up because this does irrefutably
Affect every real estate taxpayer Throughout the United States doesn't Matter who you are you know Mitch I don't know about the viewers that are Listening to this but you know even Though we prepared for days this is it Still hits me thinking about and Reflecting on what you're saying I mean And it's putting it's Reinforcing what I've been saying for The last two years which is save your Money re-budget re-budget re-budget Remember your roots Love Relationship Family but to dig in a little bit more Will you please tell the viewers and I Have a list as Well what are some of the areas that We've had people reach out to us to Provide us evidence and and even not Only just evidence MIT we've had viewers Confirm with intimate personal Detail and tragedy and Pain exactly what this exactly what We're saying and then explain Mitch how Most of the time It's too Late so one of the questions we received Was we live in a smaller Community Smaller Appraisal District are we Affected as much as you are in Denton And Fort Worth well the answer is yes Like I just said a few minutes ago this
Affects everybody burying your head in The sand isn't going to get anything Accomplished so a list of those cities And states uh with people's evidence That has come in Cedar toown Georgia Ohio Chicago Tennessee Billingham Washington Clayburn Texas South Carolina Ontario Canada boria County new Bruns in Coell County I didn't even know there Was such a thing so I want to backtrack On one second one of the people that Reached out to me out of Ohio is an 84y Old vet he bought his house for $224,000 this year he has to pay 3,100 In property taxes he doesn't have the Money he's on fixed in What are you idiots trying to do get him To move out of his house and put him in A senior's housing project somewhere That's going to cost the state 80,000 a Year to maintain him when he's got his Own house and he's perfectly capable of Being there here's an idea why don't you Leave him the hell Alone so you see the problem is not only National but International in scope look At the affordability comparison that we Just went through to give you an idea of The scope of the problem magnify those Numbers across the entire United States Although County Income numbers and Property counts will change the charts Spread sheets and graphs can be used as A base form from which any one of you
Out there that are seeing this can model Your own District's Information the heavy lifting in terms Of the design and verification methods We've already done that for you all you Have to do is grab the local information And create the same format for your area And now that puts you in command and you Will know more than your own appraisal Districts and based on what I see it's Not that Difficult Mitch I want to end here okay Um and I have a question and I want to Answer the question myself as well but Can you tell Me what person whether it's Mom and Pop Individual that has reached out you know Most of the time it's a desperate Desperately for help which makes it even More heartbreaking and overwhelming for Me can you can you tell me who what Stranger what person that has reached Out has made the biggest impact on you And why and I'll answer you this first I'll answer this first for me it was Carrie uh the single mother who had Purchased a new home in 2021 I believe Or 2020 at a super low interest Rate and and she did all of these things To make sure that she could afford the House she had an extra down payment she Got from inheritance you know another Tragedy she wanted a quality life with Her
Daughter but as result of how Texas Works the the tax collectors work the Fraud works on every level she had to Get a second job just to afford Specifically the property tax increase That probably hit me the hardest because That's that's my neighbor she's right Down the Street and Mitch you know she did Everything that she thought she could Low interest rate she's got a 100,000 She's got over $100,000 in wedge she's Not even upside down she has Historically low interest Rate and she is so Confused and upset and in pain as a Result of This it really hit me man it really Reminds me of how we need to maintain Our Pure opinions and insights and not allow Either one of you or me to be sucked Into profiting off of our audience to Profiting off of people the world needs More people to step up and they need People who can Afford um uh to speak out and man when I Make Harry I mean that hit my soul what About you the vet in Ohio by far um That's just it's just unconscionable the Idea that in the United States of America no under no circumstance should That happen that's not acceptable and The reality is that you have a choice
You can be apathetic and do nothing and Think somebody else is going to pick up The ball for you but the that isn't Going to get you anywhere because you Can't fight and they're depending on That yet when you have knowledge you can Fight when it's clear what your Comparisons are and you know how to deal With those comparisons and you walk in There and say these are my comps you do Not have the right to choose the comps The taxpayer does not the cad and people Don't even understand that so the cat Can say well we have these comps and This is our argument but when you put Forth the real comparisons according to The usat that is the ultimate argument Because that is all clear and convincing Evidence not we pulled a comp 35 miles Away so I want to make a point here that Years ago I had a couple of tenants that Were in the U health care business so They own gyms and do you know that two Days after after New Year's was their Busiest day people would walk in and Start signing up all These quarterly annually contracts well That particular business knew damn well That those people would stop showing up Within 15 days so therefore they collect The money they depend on the apathy of The public and then they never have to Pay it back well that's exactly what the Cads are doing they're depending on the
Fact that the majority of the public Doesn't have a clue what's going on here And that's how they're getting away with What they're getting away with if you Simply walked in and said okay we're Going to protest everything in sight From this point forward and let's say That 80% of the population stands up and Says we're g to protest this as long as It takes well congratulations because That means you just broke the C they Don't have the money to or the people The manpower to do that so the power to Fix this is truly there and there's Different methods to do it one of which Is obviously the Constitutional suit the Other one of which is when we talked About a couple videos ago how to break The cads do it stand up and be Accountable for the property below your Feet and if you don't the truth of the Matter is you're dooming all of us to Being economic slaves this is all hands On deck we have something this is the First time in history where all this Information has been put together in one Place for everybody to look at and to This day no nobody has been able to find Anything wrong with anything we've put Out there Nothing and that tells you Something um yeah it does tell me Something and I want to tell the public Something and I want to tell the public
And and even the viewers they can Actually depend on Us to lead by Example and one of the things I want to Tell them Mitch is what I've been Talking to you about Mitch has motivated Me I mean I've I've switched the Direction with the way I'm deciding to Empower the viewers I was going to make A real estate school um warning about The red flags of purchasing and what I've decided to do you guys is Essentially we have four months to Prepare you to fight the Central Appraisal districts and so what I'm Going to do personally as someone that Appreciates you the viewer and that Really wants you to be empowered I want To grow with you imagine that imagine a World where the elites and the people That we vote for want to grow with us Not off of of Us I'm making you guys courses and we're Going to start from the very beginning And we're going to learn what property Tax is we're going to learn how to fight The cads we're going to learn how not to Get nervous and if you are nervous we're Going to do the best we can Mitch and I To keep you in the box so that if they Muscle you and bully you Fraudulently and Bully our children and Our spouses and our family we're going To have two pages one your comps two
What to say Legally to shut them down and what I Want you to do is record everything Mitch any last words Brother that's pretty well it um there's A lot to be done but we have the path And I just want to reiterate that I'm Not in this for any money I'm not Getting paid for this nobody on my team Is getting paid for this this is Strictly what we're doing to help Mom And Pop and the truth of the matter is We are Mom and Pop we're no different Than everybody else out there and that Is has got to resonate with you to help You get off your butt for those that are Just simply apathetic or say well I Can't do it I don't understand it um With a little bit of luck You Know Travis and are going to work and this is A big chore for us to figure this out But we're going to work with the idea of Trying to get you empowered couple Pieces of paper that should get the job Done and we're working on It that's right right you got because You the thing is guys you got to ask Yourself how do you have the highest Probability to help everyone despite Their experience level but the thing is Mitch is is what I have found is is Almost every single person has a lack of Experience level so we're really just Starting at step one so it actually does
It's actually it's fairly easy because I'm I'm gonna start again I'm gonna Start at the very beginning uh people Can watch these courses at their own uh Will I will be starting that this week I'm very excited it is my thank you to You the viewers who have allowed us who Allowed Me the ability to walk away from from Greed and Corruption you guys have Allowed me to do that and I thank you For that and Mitch I'm gonna get out of Here brother um really always Sir absolute pleasure I appreciate you Spending the time with us and uh I'm Gonna hopefully I'll get this out Tonight if I do happy Tuesday evening to You guys uh we should be back in full Swing after this video again this was Just very important uh hopefully it Wasn't too boring hopefully you know you Guys are going to understand follow the Links guys follow the math it's in the Descriptions follow the petitions take What we're saying seriously leave apathy At the door and other than that guys I'm Gonna get you guys out of here if you're Out there investing in real estate you Guys already know we wish you luck and We really hope you win
