Re: OT: AARP

Perfect ... that's exactly what my mother said. Like you, she's very
religious.
However, there are many others who are not "of the faith" who would never
pray. An atheist is a good example. I'm sure there are others.

My point is this ... not everybody has the same needs as someone else. What
is a "need" to you might not be to another individual. That applies to
religion, or anything else in life.



"Phyllis Nilsson" <phyllisnilsson@xxxxxxxxxxxxxxxxxxx> wrote in message
news:BfSdnY8F453FJ2XeRVn-qQ@xxxxxxxxxxxxxxxxxxxxxx
It would be so automatic I'm afraid I'd have to say need. My wants I have
to think about, my needs are pretty much automatic.

Su wrote:

No, Phyllis, I think you're the one that's confusing "want" with "need."
It's not a one size fits all issue.

If a member of your family was stricken with a serious illness, do you
WANT or NEED to pray? --- I'm asking you this specific question because I
know you are religious.

*Really* think about this before you respond.



"Phyllis Nilsson" <phyllisnilsson@xxxxxxxxxxxxxxxxxxx> wrote in message
news:8oGdnefd5IKVa2reRVn-gg@xxxxxxxxxxxxxxxxxxxxxx

The key word is "need". I sincerely doubt there is any state in the
union that doesn't have housing for less than $100,000. You are
confusing "want" with "need".

If you "want" something that costs $100,000 that is fine. But there are
many people who need housing and they don't spend $100,000 for it.

Sandi wrote:

That must surely be a typo, Phyllis. Did you actually say "No one needs
a $100,000 home..."? Do you actually have any concept of what $100,000
buys in areas OTHER than yours? My house appraises for well over that,
and I live in a place where housing is relatively modest. Trust me,
mine is not even a nice house. $100K doesn't buy much hardly anywhere,
and where it does, there's no work to pay for it.

Strike that. $100K doesn't even buy much in my hometown, where there is
no work.

And before you say, then don't buy a house because you can't afford it,
the rentals - modest rentals, little 2-bedroom apartments - are
comparable in monthly cost. I honestly believe that you are just
speaking from personal experience, which bears no resemblance to the
current state of the economy most places today.

Sandi

"Phyllis Nilsson" <phyllisnilsson@xxxxxxxxxxxxxxxxxxx> wrote in message
news:t6ydnfsKwugYzmreRVn-vw@xxxxxxxxxxxxxxxxxxxxxx


I read the real estate transfers in my newspaper every week. There are
houses that are priced from half a million down to $25,000. I have a
very good grasp of what is available and how much it costs. It isn't a
matter of nothing else being available, it is just a matter of the
scale of living a person wants, and that is what he or she buys.

I don't think all of this "I want it and I want it now" syndrome is
strictly with young people, although most of them certainly want the
same life-style their parents have worked 30 years to attain. I
believe there are plenty of older people who don't understand the
workings of money in versus money out as well.

I don't blame anyone for wanting something better. And I know that
some areas of the country have a higher cost of living than others,
which means there are cities and states with lower costs of living as
well.

There are some people who confuse "want" with "need". No one "needs" a
$100,000 home if they can't afford it. In fact, I'd be hard pressed to
find any differences in the "needs" of most of us, but a great deal of
difference in the "wants" we each have, some just because they are a
convenience (and we ALL love convenience).

I understand the reasoning behind buying a house versus renting, but if
one cannot afford to buy, one rents until the money is saved up for a
sizeable down payment so the mortgage and interest don't keep them from
doing the truly important things in life.

It isn't because there is nothing else available, it is because there
is nothing cheaper that they "want" to live in. Shelter is certain a
need; the degree is a want.

LizzieB. wrote:



Marsha wrote:



I think Phyllis is saying that a lot of young people don't want to
start out at the bottom anymore. I'm not talking about people who
can't even afford the basics. I'm talking about young people who
want to start out big, with as much mortgage as they can possibly
get. I believe this comes from a sense of entitlement that they get
from their parents giving them everything when they were growing up.
I know several people who make sure that their children have *more
things than they did*, without making them earn it. That's sad, IMO.



While I agree that this happens way too much, I don't believe Phyllis
is talking about JUST this. The tone of her posts suggests that
anything she feels is unnecessary spending IS unnecessary spending,
and I think that (as usual) is where hackles are getting raised.

I actually do agree with Phyllis on a lot of things on this spending
topic, but she does not seem to think that what is objective to her is
subjective to others.

She also does not seem to acknowledge the notion that a good portion
of the out-of-this-world mortgaging MAY NOT BE a result of young,
unestablished persons trying to keep up with the Joneses, but may be
all that's available, and rents are competitive with mortgage payments
(for less square footage) so why rent?

I don't think anyone here disagrees with her notion that a lot of
people my generation and younger are spoilt brats and want it all
right now. But I also don't think that she is seeing the true price
levels in today's markets--and that makes some of her arguments
totally invalid just on arithmetic.





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Relevant Pages

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    ... My house appraises for well over that, and I live in a place where housing is relatively modest. ... And before you say, then don't buy a house because you can't afford it, the rentals - modest rentals, little 2-bedroom apartments - are comparable in monthly cost. ... I have a very good grasp of what is available and how much it costs. ... I understand the reasoning behind buying a house versus renting, but if one cannot afford to buy, one rents until the money is saved up for a sizeable down payment so the mortgage and interest don't keep them from doing the truly important things in life. ...
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