Is there really a housing crisis?

Why is everything a crisis? Like the affordability crisis? The age of first home purchase has increased to 38. We were 22 when we bought our first house, a run down duplex. Dual incomes were the exception until 2nd wave feminism in the 70s when women were told to go to work to have value (and to pay more taxes). We were thrilled to have renters pay our mortgage! It needed a lot of sweat equity and a loan from my dad.

 
Young people today want much more. They marry later and have huge college loans--even their parents are still paying off loans! They want nice cars--and need 2 or 3. We didn't take trips, buy nice cars, go out to eat, or dress well. For a long time we were "house poor." I get this uneasy feeling that when the government steps in to "fix" housing, things get worse, like 2007-2008 subprime crisis, or building "affordable" neighborhoods (that aren't). We had run away consumerism and inflation--keeping up with the Jones. In America, you really can have it all--just not all at the same time.

This complex https://www.apartments.com/fox-and-hounds-columbus-oh/cvfs42e/ is about 50 years old. Based on inflation since 1967, it's less than the 2 bdrm 1 bath unit we rented in 1967 after we sold our house in Illinois and moved to Columbus . What is affordability? We had one income (because a wife's income wasn't factored in the housing costs in those days). The dollar had an average inflation rate of 4.00% per year between 1967 and today, producing a cumulative price increase of 869.99%, or our $140 rent would be like $1360 in 2025.

Kamala's Karrot--$25,000

Is that $25,000 wealth transfer for first time home buyers making any traction for Democrats to choose Harris instead of Trump? Only if they know nothing about real estate. Of course, the entire housing industry has a stake in that, from the land developer to the builder to the home furnishing industry. The best down payment break is a thriving economy instead of raging inflation, and Harris' plan is inflationary. It just inflates the cost of a low end house $25,000 and moves up from there. The original first-time home buyer tax credit was created by Congress in 2008 during the burst housing bubble and ended in 2010. And that bubble too was created by government money. Remember the bundled sub-prime mortgages for people who were a poor credit risk? Your government did that.

Does it make sense to offer $25,000 for a first home credit if there aren't any being built in your price range? It's local and "green" regulations that are driving up the cost of acreage and building--and for that we can thank Harris' party and the scare tactics about global weather cycles. Where we live used to be under a glacier, so we know about that warming stuff in Ohio.

 
We bought our first home (of 5) when we were 22 and 23. We haven't had a home mortgage since our 40s. If you talk to other people our age (80s) most bought homes in our 20s instead of 35 because we married younger in those days, and parents are more willing to chip in if the couple isn't just living together. We also didn't have college loans to pay off. We also didn't have nice cars, didn't live in apartment buildings with "amenities," didn't have manicures, didn't have vacations, we didn't even have shopping malls. We all had parents who had lived through the Great Depression and WWII, knew a few things about saving money and were more than willing to tell us about it!!

That Kamala-carrot on the stick is rotten to the core. She'd better come up with something other than spending money the government first has to take from someone else.

Comparing apples and oranges and getting racism

In 2018, African American women were 50 percent more likely to be obese than non-Hispanic white women. 80% of Covid victims have been overweight or obese. They also have higher rates of hypertension, diabetes, and heart disease. But the higher rate of Covid among the black community is called--you got it, RACISM. 

Should the government step into the homes of black families and supervise what they eat? In 2018, African Americans were 20 percent less likely to engage in active physical activity as compared to non-Hispanic whites. Should the government step in and put blacks on treadmills and force them into jogging and running? Black female American children are 24.1% obese compared to 10.4% of white female children. Should the government step in. 10% isn't a good rate either--do we just want "equity" for this health problem?

My BMI is too high, also. I've been battling the bathroom scale since I was 21. I've probably lost over 100 lbs the last 60 years, and if you think losing weight at 25 is hard, just try it at 80! But I'm not asking the government to take over my life, and I certainly don't blame my ethnicity and ancestors (Irish-German American, whose ancestors arrived before the Revolution).

Here's how I would set up a health research project. If 50% of black women and 38% of white women had the same problem, I wouldn't rant about DISPARITY and RACISM to make the evening news. I'd look at what the 50% of the black women were doing who didn't have the problem and compare to the 50% who did. Income, education, marital status, personal life style, smoking, alcohol, drugs, number of children, religion, exercise, and so forth. That's how to do research. That's how to change lives. Adding an MSW to your research team and getting published in JAMA isn't worth it if you can't make some progress with the target group.

Exercise—making New Year’s Resolution?

Can you lengthen your life?

“Even frail older adults can benefit from regular physical activity. One NIH-funded study included over 600 adults, ages 70 to 89, who were at risk for disability. They were randomly placed in either a moderate exercise program or a comparison group without structured exercise. The exercise group gradually worked up to 150 minutes of weekly activity. This included brisk walking, strength and balance training, and flexibility exercises.

“After more than 2 years, the physical activity group had less disability, and if they became disabled, they were disabled for a shorter time than those in the comparison group,” Bernard explains. “The combination of different types of exercise—aerobic, strength and balance training, and flexibility—is important to healthy aging.” NIH’s Go4Life website has tips to help older adults get and stay active.”

https://newsinhealth.nih.gov/2016/06/can-you-lengthen-your-life

The boomers are turning 65

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Scary, isn't it? The generation that affected everything in our culture from education theories to music to recreation are entering . . . the falling years. Yes, according to JAMA more than one-third of adults 65 years and older will fall each year, and two-thirds of those who fall will fall again within 6 months. But before you rush out and buy a walker, keep in mind, that includes people in their 90s--the parents of the boomers. And people on multiple medications which may be keeping them alive, but unsteady from the toxic mix. Still, it's important to keep some of these tips (above) in the forefront of your consciousness. Exercise that includes strength, balance and flexibility can go a long way toward preventing falls. I cringe when I see a mid-lifer or 50-something jogging in the streets--I know that I'll be paying for that knee or hip replacement down the road. To say nothing of being hit by a car or biker. For goodness sake (and the taypayer's sake) use some common sense about pounding the life out of your joints! Many communities have exercise programs that are free or low cost, like body-recall; and if you live in a neighborhood that has good, obstacle-free streets and sidewalks, a walk outside is good. Many malls are open early for walkers. Our exercise class substitute instructor called yesterday and cancelled. I'm going to meet the class at the door and see if I can talk them into walking instead.

Really bad frugal living tips

Driving home from the coffee shop this morning, I heard a review of a frugal tips book currently getting air play and pixels. The worst was "use a beauty school student instead of your regular hair dresser and pay only $20." Well, why not go really cheap and cut it yourself, or let your husband and/or girl friend do it? No thanks. I pay about $90 every 7 weeks, and I'm fine with that. I help the local economy and a small business woman. Melissa (Shear Impressions) owns her own business, attends the same church we do, graduated from Grandview H.S., is about my children's age, and I've known her since she finished her own schooling about 25 years ago and worked for David Keith. We can pick up the chat where we left off in December, she calls if I've forgotten, and I can buy the products I like at her shop. One time I had to have a work-in because I'd scheduled wrong, and was planning to leave town for a class reunion. There was another younger gal renting a chair from Melissa, so she took me. "Your reunion?" she cooed. "Oh, honey, let's jazz it up a bit." For six weeks, I was about as blonde as Marilyn Monroe, whose real name was Norma, remember.


I had my first professional hair cut for another class event--the eighth grade trip to Chicago. (I'm the one in the middle.) Before that, my mother chopped away at it with her sewing shears. I'm sure she read up on it, but. . . She also gave us home permanents. Whew! Did they smell.


Most women I know would give up their church before they'd give up their veterinarian or their hair dresser.