I was the first person to text a question to former 2 term New Mexico Gov Gary Johnson on his open town hall meeting at Yowie on Thursday, Feb 16, 2012 at 8 PM. He’s hoping to get the Libertarian nomination for president. He says he sees nothing wrong with exclusionary zoning. My text question was: “No one should be free to take away someone else’s freedom. End exclusionary zoning so I can put my singlewide on a lot.” There is a pretty restrictive character limit when you text him a question. I don’t have a web cam or headphones with a mic or a very fast internet connection, otherwise I could’ve discussed this with him a little more. He kinda snickered a little bit when he read the question. I just don’t think he realizes what an impact the cost of housing has on people’s lives. Housing and healthcare are the two biggest financial millstones around everyone’s neck. You can do a lot to stay healthy and avoid needing healthcare but you gotta have a place to live. I filled out a contact form at his web site inviting him to read the articles I’ve posted here at http://jamesrherman.newsvine.com about exclusionary zoning. I’m hoping to open his eyes a little more regarding this issue and get him to change his mind.
I thought Libertarians were in favor of liberty. My contact message was brief but I did say I would never knock on his door and tell him he couldn’t live there because his house was too big, too wide or too expensive. ‘Why would you criminalize living in a singlewide mobile home?’ was a question I included in my contact form to him. I mentioned that 33% of Americans are not homeowners and 1 out of every 5 homeless persons is a veteran. I mentioned that exclusionary zoning definitely played a part in the housing crisis of the past few years with so many foreclosures, homes financially under water etc.
I’ve come more and more to the conclusion that you’ll never get a politician to help end exclusionary zoning. You’re better off just challenging it in court based on your simple right to life, liberty and the pursuit of happiness. Yes, I am disappointed in Gary Johnson’s favorable opinion of exclusionary zoning. He says he is a libertarian but just doesn’t understand liberty in my opinion. The basic freedom of living where you need to in a home of your own choosing….yeah I’m very disappointed in him.
Just for the record I’ll summarize what happened to me and how my singlewide has saved my life. I rented apartments for 20 yrs and then finally bought a singlewide mobile home in August of 1991. It was an in park sale so I started paying lot rent to the mobile home park owner from day one. I paid off my singlewide in less than 2 yrs so at least I didn’t flush a lot of money down the 30 yr mortgage toilet. I dropped the homeowner’s insurance as soon as I had the singlewide paid off. I only carry what insurance is required by law on my car as well. And I don’t worry about the property value of my singlewide any more than I worry about the value of my car. Because in both cases I just bought these items to use and enjoy. I simply live in the singlewide and simply drive the car. I will never be considering a reverse mortgage. I paid over $55K in lot rent to the mobile home park over 18 yrs. If I could’ve just bought a lot and paid property taxes like everyone else then I’m estimating I could’ve saved about $45K over those 18 yrs. Imagine how much I could’ve saved over 38 yrs or what other opportunities I might have pursued. Housing is a real ball and chain and it doesn’t have to be that way is the point I’m making here.
Could you imagine how much more I would’ve spent on a site built home? Suppose I borrowed $100K at 5% and paid it back over 30 yrs. I would’ve had to pay back $193K. And I would’ve had property taxes and property insurance as well over those 30 yrs. And 30 yrs is a long time. I ended up losing my job at 59 in Oct 2008. I had worked for the same company for 21.5 yrs and that company was bought out. I worked for the new company for 18 months and then they let me go. My lifetime income was $699K and I can tell you I never really saved anything toward retirement until I got that last job that lasted 22 yrs total. Because I bought a singlewide and minimized my expenses I was able to put $186K into single premium immediate life annuities so now I have $1065/mo income for life. The good employer I had for 21.5 yrs will give me a monthly pension of $691 at 65 and if I wait until I’m 70 to collect social security then I’ll get $1,753/mo. So I should be OK in retirement because I bought a singlewide and live a modest life style. My living expenses last yr were about $10K and that included $1,800 is car repairs which thank god is not typical.
After I lost my job in Oct 2008 I bought a lot where they’d let my place my singlewide and pay property taxes like everyone else. The homeowners association does have a 1,200 sq ft minimum restriction but they graciously waived that requirement for me. My singlewide only has 663 sq ft. So I moved the singlewide out of the mobile home park in the Detroit area and onto this lot 300 miles south in May 2009. Now I’m paying property taxes of $662/yr instead of the lot rent of $3,720/yr. That was $310/mo for a 26 ft by 60 ft lot which extrapolates to $8,656/acre/month. If George Bush had to pay that rate on his 1,500 acre ranch in Crawford, Tx then he’d be paying almost $13 million a month. I wonder how many acres Gary Johnson lives on. Gov Johnson, do you understand why exclusionary zoning is the difference between living a life of dignity and being homeless? Do you get it now?
I’ll tell you what really gets me is both Gary Johnson and Ron Paul like to talk about free markets and respect for the constitution. Do they know that the president takes an oath to protect and defend the constitution? Again I come back to your right to life, liberty and the pursuit of happiness. In order to have life you need the necessities of life such as shelter. And I will maintain to my very last breath that you should be free to choose that shelter. I’m simply trying to maximize the probability that people will be able to take care of themselves. That would only make America stronger and give people more financial security and more financial self-determination over their lives. Even Mitt Romney says just let the free market take its course to take care of things. Well how about a free housing market guys?



