But I will tell you the reasons I will never own a home again. Maybe some of you have read this before from me. I will try to add. Or, even better, be more concise. And we love our stories. We see life around us through the prism of story. I like it. The exact opposite happened. But…for some moms I hope it went like that. Maybe Mom and Dad had their troubles, their health issues, their marriage issues. Maybe they both loved someone else but they loved their home.
Only in small periods have housing prices really jumped and usually right after, they would fall again. The best investor in the world, Warren Buffett, is not good enough to invest in real estate.
They want you to take on debt. Else they go out of business and many people lose their jobs. But does a country dream? Do all million of us have the same dream? If maybe banks loaned money to help people build businesses and make new discoveries and hire people.
Good investments are usually part of a diversified set of investments you make in your life, including the investment you make in yourself acquiring more skills, having more experiences, etc.
And the bank that was so friendly lending the money, starts calling within 12 hours of not getting their check. And then starts suing me. Except when I buy a house. And I will tell you how. Do you ever get that bank money back?
No, because after mortgage debt most of which cannot be written off in taxes , property maintenance, and taxes which go up with inflation and are almost never considered in the price of the house , closing costs, buying costs, title insurance, property upgrades, etc.
Or twice that. Can you get more than 0. I hope so. I know 14 year olds doing that. Illustration, ghostwriting, 3D rendering, are other skills you can learn. And many more. There are ways to make more. How much do those courses cost? Often nothing. But definitely less than a mortgage. A house investment is not safe versus the alternatives.
Some own for much longer, some own for less. Why do people move? Because jobs are no longer as stable as they once were. And they are no longer in one or two cities but all over the country or world.
So the original reasons for owning a house a guaranteed easy commute into an urban area where the jobs are are no longer valid, as demonstrated by the increasingly short lifespan of house ownership. This is a trend that is continuing forever. How come? My house is years old.
It used to be a hotel. Things break. Pipes crumble in the hands of the plumber. I email the landlord, who calls a plumber, who gets new pipes that are paid for by the landlord. Meanwhile, I read a book on the couch in the other room. The same thing when Hurricane Sandy came over the river. People were canoeing in the street outside my house. The water filled two feet in my house. So he ripped up floors, cleaned out mold, fixed furniture, and took care of it.
This time I was upstairs reading a book. They feel comfort in that. When you rent, you never know if you will be kicked out eventually or if the house will get sold and you have to move. So there is no judging here. But I like flexibility in my life. I like to know I can move.
And in my area, so many houses are for sale, I always know I can find a good place to rent. And with so many houses for sale, I know those people are stuck while I am not. Will it always be that way? Things cycle. But America has a tendency to overbuild. And then people overbuy. And then rentals are available. I always look at rentals. Right now there are better houses for less rent available within a mile of my house.
I live right on the river and can watch the leaves turn green and in the summer there are giant parties in the park next to my house. And on Sunday nights they show movies outside next door and the whole town shows up. Freedom makes me happy. It feels more real than money.
Or stocks. Or bonds. I get that. It is real. And in America, nobody can take your land from you if you own it. But not many people own their land. The bank owns it. And people will never own it the 4.
But this is a judgment call again. I like to know I can live out of a single bag. Before I got married I lived in a dive hotel. After I got divorced I lived in the same hotel. I like feeling like I could lose everything and survive. Maybe this is why I have lost everything sometimes. This will sound corny so please skip to the next part: but property rights are not real. Loving who you are and where you are and what you are doing is the only thing that is real.
Live in your heart and not your home and you will never feel lonely or the need to establish roots. Share that love with the people around you.
And then, they also, will feel less need for roots. That is the best investment. That is the best return on investment. That is the best home to live in. Freedom is more important than a dream. They have bought and sold three houses and made money on each of them.
I believe them. Perhaps many people are phenomenal investors. Others live in a good, secure neighborhoods that they want their kids to grow up in. I believe those people also. We need a little bit of breathing room in order to survive when the noose is put around our neck. You can rent. Just like some houses are bad and some are good, some landlords are better than others.
Like anything that is an important life decision, it takes research. You can find roots with a good landlord. You can even paint the house and knock down walls and do whatever you want. If you believe in housing as an investment, there are companies that just own houses that you can invest in on the stock market.
So you get all the benefits of a long-term investment in housing and get your cash out in five seconds if you need it. Maybe nothing. Having cash is a nice thing. It reduces stress. But also you can invest in yourself. Or companies that are growing. Because housing prices depend on the stability of employment.
By definition then, companies will always grow faster than housing, in aggregate. While debt has increased x. Not good. Your brain loves you. Everything else involves flushing money down the toilet, or no roots, or no stability! Have you ever spent time in the Death Star? I mean Home Depot. That place is huge. And I only need that one special color of paint.
But where is it? The stormtroopers at Home Depot are never around when you need them. Where is it? And how do I use it? And is it gross? Why do they call it a snake? And how long does it take to paint a house. Or who do I go to? And will they overcharge me if they pave the driveway?
Did I calculate that into my total cost of owning a house? I like to sit in the garden area of Home Dept. And I flush my rent down the toilet. And I refuse to fix my toilets or shovel my driveway or deal with my flooded basement. All I like to do is read. Maybe next to an ocean. And take a walk on the beach. Last week, a friend told me the sun sets in the West. Five years until my youngest graduates.
They tell you that because they are in a dangerous part of the world with no facilities they need you to fill in a leave application for them.
Some part of this process will inevitably involve you having to pay some money on their behalf. Since you havent had much involvement with the military in the past you dont understand and are tempted to help out this poor soldier.
There is no soldier just an online criminal trying to steal your money. If you send any money via Western Union it is gone, straight into the pockets of the scammer. They aernt going to pay you back, once they have your money you will only hear from them again if they think they can double down and squeeze more money out of you. Leave applications need to be completed by soldiers themselves.
They are normally approved by their unit chain of command. This is all part of the fun of being a unit commander!! Operational requirements come first but it would need to be something unthinkable to prevent the Army giving immediate emergency leave to somebody to visit their dying kid in hospital etc. I feared for Police verification. You will not get a Government job without Police verification. Police verification is a must before giving you the Government job. Rented house is no problem.
But, give factual details of your residences where ever you have Stayed in the last 5 years. This is very essential for Government jobs. This is the reason elders advise you not to enter into Police records during students life. Hari om. I was selected for a summer internship I tried to be very open while filling the preference form: I choose many products as my favorite products and I said I'm open about the team I want to join.
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