Category: Primer Posts

Three key questions to give your ecosystem a physical: Part 3, follow the money

22 September, 2009 (10:02) | Ecosystems, Essential posts, Finance, Primer Posts, Theory, Titling | No comments

By: David Smith

 

[Continued from yesterday's Part 2 and the preceding Part 1.]
 
So far, in tracing the housing finance ecosystem by examining three value chain (connections by which transactions occur), we covered housing providers finding housing consumers (Part 1), and the baton pass of recognized ownership/ occupancy rights (Part 2).
 
Now for the third key question.
 

We [...]

Three key questions to give your ecosystem a physical: Part 2, follow the ownership

21 September, 2009 (10:34) | Ecosystems, Essential posts, Finance, Primer Posts, Theory, Titling | No comments

By: David A. Smith
 

[Continued from yesterday's Part 1.]
 
In yesterday’s exploration, we suggested that if you want to understand a housing finance ecosystem and lack the statistics or reference resources to compile a proper survey, you can do well by conducting a simpler ‘physical exam.’
 

Is that all I am to you, just a pretty johnny?
 
Any [...]

Three key questions to give your ecosystem a physical: Part 1, follow the critters

18 September, 2009 (09:16) | Ecosystems, Essential posts, Finance, Primer Posts, Theory, Titling | No comments

By: David A. Smith

If you get a new doctor, what’s the first thing he or she does – after establishing how you or your insurance will pay, of course? The physical exam.

We make them cold so that we know you’re dead if you don’t flinch

When we don’t know how a system [...]

US property taxes: Part 2, local autonomy = local initiatives

24 July, 2009 (09:52) | Government, Ireland, Local issues, Primer Posts, Real estate taxes, Speculation, Theory, US News, Zoning and land use | No comments

[Continued from yesterday's Part 1.]
 
So there I was, mid-May in Dublin at the Foundation for Fiscal Studies’ 24th annual gathering, The Fiscal Treatment of Property, expanding on the topic Lessons from the United States and explaining US real estate taxation to a roomful of tax wonks. 
 

Class, can you say ‘locally autonomous control’?
 
[Click here to [...]

US property taxes: Part 1, local tax = local autonomy

23 July, 2009 (10:55) | Government, Ireland, Local issues, Primer Posts, Real estate taxes, Speculation, Theory, US News, Zoning and land use | 2 comments

What if you woke up one morning and local property taxes has been abolished?
 
No real estate tax escrows collected by your mortgagee. 
No assessments, no city assessors.
 
Before you smile too broadly, I have to mention some other George-Spiggott-inspired conditions of the scenario:
 

I want only your immortal soul
 
No local autonomy on schools, police, fire, health.  All [...]