This Just Confirms What I Just Said Home Strategies: Real Estate Agent Blog Post

This Just Confirms What I Just Said

Owners and Renters Agree that Owning a Home is a Smart Decision

I hate to say I told you so...well maybe I don't. Anyway, just the other day I wrote about a Gallup poll showing that Most Americans Think Now is a Good Time to Buy a Home. And now I just read that a recent survey of almost 4000 people conducted by Harris Interactive for the National Association of Realtors® that pretty much confirms this! This survey shows that a substantial majority of both home owners and current renters agree that owning a home is a smart decision over the long term. Find out more at Owners and Renters Agree that Owning a Home is a Smart Decision

Mark Brian Silver Star Real Estate Office 864-225-1883

Upstate South Carolina Real Estate

Posted by: Mark Brian
(Anderson, SC) on 1/21/2011 11:49:00 AM

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Posted by: dmfnuyee on 4/7/2012 10:33:00 PM

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I'm a homeowner. I paid cash way back in '83 for my home. Yes, I can sell for more than I paid, but it was my home and I raised my children there. But now, due to the housing boom/bust, my area is slowly being destroyed. As old folks die, they leave their homes behind to vacancy, renting speculation, etc.Care is going out the window with respect to neighborhoods and property. I have already arranged to go to one of those retirement apartments but they have a waiting list that can take you 2 years to get in and you must leave a significant deposit.I did this because I know the area is dying. My offspring will have to continue to live there because although they are adults, they cannot make enough to buy a place.Eventually they will have to sell it and move on. I am leaving it to them, it is all I can do.Americans and their greed have betrayed me. Bernake has made my life miserable with rising prices for energy and food costs. I'm old. Health is sliding, I don't have health insurance either. I hope to have it again by next month. I have been waiting a year. This is how life is led. Gaps in everything, time, wait it out. This is not what America was about in the old days. Workers were taken care of by companies with health plans, etc.My father had a health plan for life. My last relative has a golden health plan, where if she has a hang nail she can go to a hospital and not be charged one penny. No co-pays, no nothing.Me, I can't even see a doctor. I served a civic job for 24 years. Worked every day since I was 16. Now? Thanks a lot you greedy businessmen! Thanks for destroying everything!The funny thing is there are others who are in worse condition. There must be change in America soon or all of you will be joining me in debt, depression and a slowly eroding ability. car insurance auto insurance

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The funny thing is there are others who are in worse condition. There must be change in America soon or all of you will be joining me in debt, depression and a slowly eroding ability.Nope, not me. I saw this coming many years ago, saw how most of you voted for it, TWICE, so I have prepared accordingly. I can retire well in two different countries, as I didn't buy into the ponzi schemes and didn't let the Bush/Cheney/Neocon/GOP/Zionists played me for a fool. Hey, isn't Bush the guy you prefer to have a beer with?BTW, you do realize that the ranch in Crawford, TX was a trick to fool the sheep, right? GWB will never go back to that place once he's out of the office. That was a neocon/Karl Rove idea to trick the sheep into thinking that GWB was another Reagan, the cowboy with the ranch, cleaning bushes for fun. And you fools fell for it.Now you fools are going to vote for the Messiah Obama, who will finish destroying the American middle-class. The fools are following the MTV-Pot Smoking-College Immature idiots who love a fad, the $10k handbag Hollywood celebs who could care less about the price of milk or gas, or ghetto America who can't even pick up the trash in their own neighborhoods.Follow them, geniuses, they know better. Enjoy now, since you've been voting for it. viagra acyclovir

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This is a very good article. However, it must be tuedrsnood that when you rent, you are not buying the same thing as when are paying a mortgage, even if you are spending less to rent on a monthly basis.When you rent, you are paying for the right to reside in a space for a specific period of time. Simply put, you are paying for use of a space. When you stop paying, you have nothing.When you pay a mortgage and other expenses of ownership, you end up with an asset the equity accumulated in the value of the home, which will reach 100% assuming the home is kept until the mortgage is paid off. While the value of that asset can and will appreciate and depreciate, it will likely always be greater than the zero equity that results from renting.Both owning and renting will provide a roof over your head, which should be the top reason for either option. The mistake many made over the past 20 years was trying to treat the housing market as if it was the stock market, seeking to buy and sell homes for profit (like stocks) or treating home equity as an all-purpose piggy bank, instead of investing in a long-term asset.If the accumulation of assets the bottom line when it comes to building net worth (wealth) is the objective, homeownership still beats renting. The fact that less than 50% of blacks on their own homes compared to nearly 75% of whites is a major underlying factor in the wealth gap facing African Americans. Renting is a great short-term solution for certain situations and in certain housing markets, but it is a temporary solution at best. Home equity remains the single largest asset comprising the net worth of most individuals. The fact that the expense of renting may be less on a month by month basis does not change the fact that increasing home ownership by black Americans remains a key to building a foundation for long-term wealth. In fact, unless a person saves and invests the difference between what they are paying in rent and what they would be paying on a higher monthly mortgage payment and related expenses, renting delivers ZERO value from a wealth-building standpoint.Renting as a long-term housing solution makes about as much sense as renting a car instead of buying one. It makes sense for some people, in some cases. But generally speaking, it's more beneficially and makes more financial sense to own. For both cases, it's usually best to get the best deal possible, on the best home/car you can find for you and your family's long-term needs, and pursue a buy and hold strategy.Remember, when you rent, you're still paying a mortgage. Your landlord's mortgage.

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Today: homedebtorsTomorrow: homdebtorsForever: homedebtorsWhy?Well, assuming you weren't a total twit and tookout an ARM, your payments - short of property taxes, which are maybe 5-15% of your mortgage payment - stay the same. So as rents continue to rise over time (which make no mistake, they do - I rented from '98 - '07), the gap closes and within a reasonable timeframe (much quicker normally). So there's that.Also, over time, the value of the house rises with inflation (again, normally), thus not only do you continue to pay the same amount, but you get free $$ building in the background.And then, there's the tax deduction from hell. Depending on your tax bracket, this reduces the true cost of your mortgage by about 20-25%. Of course, over time that slowly decreases since more and more is principal, but then you end up having more and more $$ waiting for you on the back-end.So whereas my $3700 mortgage is high, the effective rental cost for a house like mine is about 2300-2500. Taking the low-end of that, It's a $1400 diff, of which $800+ is offset with the tax deduction alone, so it's $600 diff. And when Uncle Bushy/Congress give me the handout and reduce my mortgage effectively 20-25%, I'll be ahead and you'll still be where you are. ;) over the counter viagra levitra

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