How to refinance a mortgage with bad credit loans

Make sure you are aware of the type of loan you’re in currently. Refinancing it into the same kind of loan could be an option but is not the only option. It is important to consider different loan types that might be more favorable to credit. Remember that some refinancing choices for people with bad credit are restricted to a select group of borrowers. USDA refinances, for instance, are only available to people who have already secured the USDA mortgage good alternative

The top of my 2022 list of priorities is School Consolidation in Pennsylvania

In the ideal scenario, the 500 school districts could be decreased to 67, with one administrative school district for each county. Consolidation offers a few advantages in that it equalizes tax rates as well as lowering taxes for county’s tax payers, and equalizing the pay of professional and support personnel. The most significant benefit is that it creates equal the educational opportunities of all students.

Locally, combining Mount Carmel and Shamokin, Milton and Warrior Run, Lewisburg and Mifflinburg and Midd-West and Selinsgrove could mean combining Northumberland as well as Sunbury in Shikellamy.

Following is a Non-profit community health center located in or near Middleburg

Serving the people living in Snyder County without leaving the county. It will reduce time, money on transportation and help the environment in the process.

The third goal is Unification of all the community fire departments in Snyder County

Looking to establish a countywide unit that has paid firefighters available all hours of the day. This will reduce the costs of equipment. Also, duplicate facilities could assist in getting new volunteers to replace those who have retired. This would also allow for a more equalization of taxes on fires and remove all fundraising activities.

Another option is an Snyder County police force that is operated by the county which would offer police protection for the entire county with the cost split equally between taxpayers of the county, not limited to a few towns as it is today. The state police might be relocated elsewhere to be more required.

My opinion is that former President Trump which was impeached two times should not have received any money and the million dollars could be used to fund my most cherished wish for 2022: a full-time community college that is free program in Selinsgrove Center. Selinsgrove Center. located in Snyder County to serve any qualified student who would like to pursue and complete any educational program that they choose. The freedom of choice in Snyder County is an American way!

My final wish that I have for 2022 on my wish list the one that’s most crucial for all Pennsylvanians: Tax Reform

The middle class is paying numerous tax burdens that are unfair, including flat-rate sales and state income taxes Local, county and state taxes per capita tax, along with taxes. on utilities, gas entertainment, real estate transfers and many other unintentional taxes and other inconveniences.

Pennsylvania tax reform will need an amending to the state constitution to allow for a progressive income tax at any level of state government as well as local schools. However, it could reduce property taxes, and permit those who are wealthy be taxed. with higher rates. The federal government as well as all our states in the neighboring states have income taxes that are progressive.

Keep in mind that under Eisenhower’s presidency , the highest taxes were 91% for any income that was over $200,000, while the average person was taxed between 20 and 26 percent. Tax reform is essential however it is impossible to attain so long as Republicans hold the majority in the legislature since they’re talking to business and wealthy.

Corporations were taxed at 52 percent under the Federal government during 1950s however, today they pay 21% and the richest 20% of their investment earnings, whereas employees are taxed at 40 percent.

Last but not least, I hope you have a healthy and happy life and much joy in 2022.

David L. Faust lives in Selinsgrove.