Individualist vs. collectivist

With all the hype around the end of the Bush administration and the beginning of Obama, have you noticed the stock market? Was quietly sink into the reality of the situation of the economy is sinking in. Some evidence that things are more likely to get rather than problems:

1. Trade with other countries has fallen by almost 18% last quarter. Fewer people abroad are buying our products and buy fewer foreign goods. By It will therefore be harder to recover.

2. The big retailers are queuing for their law firms are preparing for bankruptcy. Please note that Circuit City is already part and many others will follow after poor holiday season. Do not be surprised if you read some of these entrepreneurs to Great ATM, ie, Congress, seeking more money from ransom.

3. House prices continue to fall despite rates reduced mortgage. The fact that rates are lower does not mean you can instantly enjoy a higher mortgage. If the loan value is too high, there will be new loan. Period.

4. Commercial REITs and developers are facing serious funding problems, more than $ 500 million in loans business this year due to very, very few lenders willing or even capable of providing.

5. The worst sign of all: people are increasingly the government to save us from our excesses.

People do not care what your politics is the end result is that government policies caused most of this mess. Any serious digging on your part will be confirmed (See FNMA and gets the company). The real culprit is the belief that someone else is responsible of its prosperity. What happens when wealth and poverty levels stunning. Unfortunately, you will not find this information in the media, or crying taught in school. These roads are already monitored by the wicked.

We have allowed our individualism to collectivism in drag. I can give you all sorts of names for this crisis of the spirit: Marxism, socialism and statism in the name of a few.

Some tools of this method of thinking: The creation of income tax to promote the class struggle for reasons to vote, the creation of the Federal Reserve appears to control our economy (do you ever notice how these large bubbles tend to follow the policy of easy money and the Federal Reserve and worse), the creation of more bureaucracy to tell us what we and can not do, the political correctness stifle free speech and debate, the belief that only government can save us.

I challenge you to find one of these powers, beliefs or inclinations of our Constitution, Bill of Rights, or the writings of our Founding Fathers.

Friends, the only output is the belief in the sound and action motivated individual. This is the core of what has made America the greatest nation on earth and forever. And we're sitting here, looking at our so called leaders act without conscience, without liability, and regardless of the consequences for the nation. We give our power.

You should do something about economics and can be. Roll your sleeves. Look around the possibilities! Turn off the TV. Disconnect iPod. Go do something and stop waiting for someone else to do.

I see this $ 500 billion in commercial loans that roll more like an incredible opportunity in my business. That diamonds are waiting to be picked up in yours? Be strong, be motivated, and by all means and in motion. Oh, and start writing your representatives and examples & & let them know that their days are numbered!

About the Author

Craig Higdon has over 14 years experience in financing commercial loans, small business loans, construction loans, and land loans. He owns Excelsion Mortgage, a commercial mortgage brokerage offering real estate investors a wide range of resources to help them in their investment activities.

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