Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 02-24-2008, 08:40 PM   #41
Thinks s/he gets paid by the post
ladelfina's Avatar
 
Join Date: Oct 2005
Posts: 2,713
Quote:
And on TV, even the poor are rich.
I know..!! Our house was a bit better-looking than, say, Archie Bunker's.. but that was still well within the range of 'normal'. I think if they tried a TV set like that today, some kind of obscenity law would kick in; it wouldn't be allowed.

All the US TV I see shows really de-luxe accomodations, even on cop shows (ask yourself if a single cop would really live in the apt.s they show them having) or on "Nanny 911", where even the family with six rampaging kids and the mom in tears has everything HUGE, brand-new, and spic and span. (They must do some serious staging before they let the cameras in, but still...). It's so manipulative. We get the British and the Italian versions of Nanny 911, too, and the difference is stark; there they show 'real' houses and don't shy from filming the chipboard furniture or the mis-matched sheets. So on top of feeling guilty that your kids are brats, at least you don't have to feel guilty that your home is just average and not a showplace.
__________________

__________________
ladelfina is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 02-25-2008, 12:19 AM   #42
Moderator Emeritus
 
Join Date: May 2007
Posts: 11,044
Quote:
Originally Posted by ladelfina View Post
We get the British and the Italian versions of Nanny 911, too, and the difference is stark; there they show 'real' houses and don't shy from filming the chipboard furniture or the mis-matched sheets.
I agree with that. I watch a lot of shows on BBC America, and they are not afraid to show it like it is. Mismatched kitchen cabinets, formica countertops, cramped bathrooms and dodgy carpets. There is a real contrast with what you see on American TV. If you believe what you see on TV nowadays, granite countertops and matching stainless steel appliances seem to have become standard for the masses. The kitchen has become "gourmet" (even for people who don't cook), the master bath has become a "spa", the master bedroom a "retreat". But you just have to look at pictures of real American homes (on Real Estate websites for example) to realize that not everybody in America lives like that...
__________________

__________________
FIREd is offline   Reply With Quote
Old 02-25-2008, 06:22 AM   #43
Thinks s/he gets paid by the post
ladelfina's Avatar
 
Join Date: Oct 2005
Posts: 2,713
Right.. but imagine you're a US kid brought up in one of those McMansion HOAs (no oil stains allowed in the carports!!!).. imagine the shock if your family ever had to downsize! Or imagine you're a foreigner who gets their idea of the USA from TV. You really would think the streets are supposed to paved with plasma TVs.

I never was a fan of soap-operas but I watched "Eastenders" a couple of times on BBC and almost got hooked! Working class folk 'goin' down the pub' with "real" money/life problems as opposed to the contrived "problems" of Dallas, 90210, and they use 'real'-looking (bold but not so beautiful) actors.
__________________
ladelfina is offline   Reply With Quote
Old 02-25-2008, 07:31 AM   #44
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
freebird5825's Avatar
 
Join Date: Feb 2008
Location: East Nowhere, 43N Latitude, NY
Posts: 9,017
Quote:
Originally Posted by Walt34 View Post
Some people apparently just can't stand seeing money in the bank. "Gotta have it now." Reminds me of the different behaviors with myself and the ex. When the house sold, I put the money in the bank for down payment on a house and started an IRA. She took a six-week trip to England with her sister.
is there any chance that my DH-to-be's ex and your ex are related? could be clones. no trip to england, but a spending spree that didn't stop. and still doesn't.

be glad, no make that ecstatic, that you aren't jointly liable anymore.

i know my guy is happy happy happy to be out of debt after over 2 decades of it.
__________________
"All our dreams can come true, if we have the courage to pursue them." - Walt Disney
freebird5825 is offline   Reply With Quote
Old 02-25-2008, 09:27 AM   #45
Moderator Emeritus
 
Join Date: May 2007
Posts: 11,044
Quote:
Originally Posted by ladelfina View Post
Or imagine you're a foreigner who gets their idea of the USA from TV. You really would think the streets are supposed to paved with plasma TVs.
I was one of them! I grew up watching shows like Dallas. So you can imagine my surprise when I arrived to the US... Whhhhhuuuuuuttttt! There are poor people in America? What are those "trailer parks"? And where is my government-mandated swimming pool, huh? Yeah, And wait a minute, I thought everyone was downing a quart of bourbon a day like JR... American TV... Selling dreams around the world since (at least) 1980...
__________________
FIREd is offline   Reply With Quote
Old 02-25-2008, 10:23 AM   #46
Full time employment: Posting here.
Retire Soon's Avatar
 
Join Date: Nov 2005
Posts: 655
Now that easy credit is quickly disappearing, People still need that money fix. It's much like trying to ween a drug addict off of methamphetamines, it's very difficult to do. We have a large population that is addicted to easy money that came from home equity lines of credit and a never ending barrage of credit card offers. Now that their supply has been cut off, they still need to satisfy their financial craving, so they're raiding 401Ks. Americans have to experience all of their wants and desires immediately with no waiting period as deferred gratification has gone by the wayside. This should come as absolutely no surprise to anyone. It's much like having pity for drug addicts as they suffer withdrawal symptoms.
__________________
Retire Soon is offline   Reply With Quote
Old 02-25-2008, 10:30 AM   #47
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,905
Quote:
Originally Posted by ladelfina View Post
Right.. but imagine you're a US kid brought up in one of those McMansion HOAs (no oil stains allowed in the carports!!!)..
Yikes! Just veering off topic for a moment, there's one excellent reason why I am not interested in any HOA. Nobody's going to dictate whether my car is allowed to make an oil stain on my property, or not!

Amazingly, I guess I will have to pay LESS (in sales price as well as HOA fees) in order to obtain a house without such a PITA HOA.

Each to his own, and I hope those with HOA's are not offended! I respect your choices, and I will be living in that "other" neighborhood, over there (the one without the HOA).
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is offline   Reply With Quote
Old 02-25-2008, 11:33 AM   #48
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,117
Quote:
Originally Posted by Want2retire View Post
Each to his own, and I hope those with HOA's are not offended! I respect your choices, and I will be living in that "other" neighborhood, over there (the one without the HOA).
As the president of our neighborhood HOA (and the enforcer of the "no pig farming allowed in your back yard" restrictions), I do understand why you want to live where you and your next door neighbor can do anything and everything your heart desires.
__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 02-25-2008, 11:33 AM   #49
Moderator
Sarah in SC's Avatar
 
Join Date: Sep 2005
Location: Charleston, SC
Posts: 13,456
All HOAs are not created equal. We have one (there are 8 total lots here, but just 4 houses so far), costs $200 a year (to maintain the dirt road and dock) and my neighbor has 3 cars on blocks (we only have one) and periodically fixes the Corvette enough to do some drunken donuts in his front yard. Oh, and he fixes boats for a "living" so there are usually 8 or 10 of those next door. To say nothing of the ATVs. But he's never once complained about the dogs barking....
__________________
“One day your life will flash before your eyes. Make sure it's worth watching.”
Gerard Arthur Way

Sarah in SC is offline   Reply With Quote
Old 02-25-2008, 12:14 PM   #50
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,905
Quote:
Originally Posted by REWahoo View Post
As the president of our neighborhood HOA (and the enforcer of the "no pig farming allowed in your back yard" restrictions), I do understand why you want to live where you and your next door neighbor can do anything and everything your heart desires.
Each to his/her own! If the roosters wake me up at dawn in ER, I'll know I should have listened.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is offline   Reply With Quote
Old 02-25-2008, 12:18 PM   #51
Administrator
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 38,905
Quote:
Originally Posted by Sarah in SC View Post
All HOAs are not created equal. We have one (there are 8 total lots here, but just 4 houses so far), costs $200 a year (to maintain the dirt road and dock) and my neighbor has 3 cars on blocks (we only have one) and periodically fixes the Corvette enough to do some drunken donuts in his front yard. Oh, and he fixes boats for a "living" so there are usually 8 or 10 of those next door. To say nothing of the ATVs. But he's never once complained about the dogs barking....
Hmm! That definitely does not sound like one of the "no oil stains" HOA's! Of course the best HOA would be the one that regulates the neighbors, but not me. Maybe I can find that one!

Decisions, decisions! It's not like I have TOTALLY rejected the idea of an HOA for me, just maybe 99.99%. I don't want oil stains on my carport/garage floor either, but I just don't want somebody else telling me to do my chores.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities.

- - H. Melville, 1851
W2R is offline   Reply With Quote
Old 02-25-2008, 12:40 PM   #52
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,117
Want2, my advice would be to take a look at the details of any HOA restrictions which might apply to a house you are interested in. Restrictions (and the degree to which they are enforced) vary significantly from one neighborhood to the next. I'm not a fan of Gestapo HOA rules either, but prefer to live in an area with at least a few reasonable restrictions. As an example, our rural subdivision has only only a dozen or so rules pertaining to things like no mobile homes, no farm animals (other than horses - after all this is TX ), residential only, houses must be a minimum of 1,500 sq ft, etc. Nothing regulates when or if you have to mow your grass (or even have grass), what color you can paint your house, or driveway oil stains.

I believe the restrictions work to our benefit based on a similar sized subdivision a mile down the road with no restrictions and no HOA. It has a few nice homes interspersed with what can only be described as shacks. Not someplace most of us would probably like to live.
__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 02-25-2008, 12:51 PM   #53
Thinks s/he gets paid by the post
Jay_Gatsby's Avatar
 
Join Date: Oct 2004
Posts: 1,719
FIRE may be alien to the masses, but trying to educate people about FIRE is equivalent to tilting at windmills. The vast majority of people know they need to save more and spend less, but they just don't do it. These are the same people who know they need to quit smoking, eat better and exercise, and again don't do such things. It often takes a watershed moment (in the form of a financial or health scare) to get them to change. Words along just won't do it.

Right now I'm trying to convince one of my younger brothers that he needs to go back to school after 10 years out of college. Why? Because he wants to break into a new field with a minimal amount of experience in that field (about a year) and doesn't have a job in that field (he was recently laid off from his company). He is vehemently opposed to getting even a graduate certificate (about 6 months worth of work), which would at least demonstrate a commitment to the field and help him land a job. Even when I've explained this to him, he still won't consider it. He seems convinced that simply sending resumes will get him a position. Yet even I wouldn't hire him because he won't put any skin in the game.

This is the same situation when it comes to people and FIRE. I won't help anyone understand what it takes to FIRE until they show a commitment towards achieving it.
__________________
He had one of those rare smiles with a quality of eternal reassurance in it . . . It faced, or seemed to face, the whole external world for an instant and then concentrated on you with an irresistible prejudice in your favor. -- The Great Gatsby, F. Scott Fitzgerald
Jay_Gatsby is offline   Reply With Quote
Old 02-25-2008, 01:16 PM   #54
Recycles dryer sheets
 
Join Date: Oct 2007
Posts: 463
Quote:
Originally Posted by Retire Soon View Post
Now that easy credit is quickly disappearing, People still need that money fix. It's much like trying to ween a drug addict off of methamphetamines, it's very difficult to do. We have a large population that is addicted to easy money that came from home equity lines of credit and a never ending barrage of credit card offers. Now that their supply has been cut off, they still need to satisfy their financial craving, so they're raiding 401Ks. Americans have to experience all of their wants and desires immediately with no waiting period as deferred gratification has gone by the wayside. This should come as absolutely no surprise to anyone. It's much like having pity for drug addicts as they suffer withdrawal symptoms.
Very insightful!
__________________
TickTock Rule Of Finance - heavily discount any promises of money/benefits to be paid to you in the future

"I've traded love for pennies, sold my soul for less" -Jim Croce, Age
TickTock is offline   Reply With Quote
Old 02-25-2008, 01:23 PM   #55
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
youbet's Avatar
 
Join Date: Mar 2005
Location: Chicago
Posts: 9,965
Quote:
Originally Posted by Jay_Gatsby View Post
These are the same people who know they need to quit smoking, eat better and exercise, and again don't do such things.
I don't doubt this is what you've observed in your own life, but my anecdotal observations differ. I know people who definitely don't LBYM yet are health nuts and spend plenty on exercise classes, personal trainers, club memberships, trendy health foods, etc. One of the most frugal people I know, my college roommate from decades ago, is both a smoker and a saver. He fully understands he should quit, that the money he spends on smoking could be saved, but just can't.

So, again, like with all anecdotal examples folks reference, I'm sure this is what you've observed. But in my life I just haven't seen that correlation to the extent you have.
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
youbet is offline   Reply With Quote
Old 02-25-2008, 07:25 PM   #56
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,617
Quote:
Originally Posted by Want2retire View Post
Hmm! That definitely does not sound like one of the "no oil stains" HOA's! Of course the best HOA would be the one that regulates the neighbors, but not me. Maybe I can find that one!
I don't want oil stains on my carport/garage floor either, but I just don't want somebody else telling me to do my chores.
Quote:
Originally Posted by REWahoo View Post
Want2, my advice would be to take a look at the details of any HOA restrictions which might apply to a house you are interested in. Restrictions (and the degree to which they are enforced) vary significantly from one neighborhood to the next. I'm not a fan of Gestapo HOA rules either, but prefer to live in an area with at least a few reasonable restrictions.
Exactly. Another option would be hiding in plain sight.

We live in a HOA of 14,000 homes (and the condo developments have their own HOAs for a second layer of "management"). Most of the rules consist of "Don't let your neighbors see or hear your crap" along with "If your neighbors can't see or hear your crap it then it's OK". Among that many homes the administration is too busy keeping up with the minimum cyclic routine to bother to go on Gestapo inspections or to audit permits. They pretty much only respond to neighbor complaints or the most egregious violations, and they know better than to request a higher assessment for "enforcement". They don't ask, I don't tell, and we don't bother each other.

The HOA board is big enough, too, to accomodate all the retired debaters and Robert's Rules people and professional committee volunteers without them actually being able to get enough of a majority to punish the rest of us. The real political wannabes and neighborhood Nazis are encouraged to run for the neighborhood boards where they can assist with city govt & the state legislature.

I think HOAs are good when you have a critical mass of variety & talent. The problems come when you only have 50-60 homes, the same people keep taking the same jobs, and every year they're looking for more things to get involved in.
__________________
*
*

The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Old 02-26-2008, 01:14 PM   #57
Thinks s/he gets paid by the post
 
Join Date: Jul 2004
Posts: 1,072
Yup, Nords, 50-60 homes and bylaws that say they can raise the rates a certain percentage every year 'cuz they can! I left that HOA in a hurry.....oh, and notices saying that it's OK to put flower bowls in front of your house - we're sorry we denied that before - huh?
__________________

__________________
Deserat aka Bridget
“We sleep soundly in our beds because rough men stand ready in the night to visit violence on those who would do us harm.” - George Orwell/Winston Churchill
deserat is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
"Gut feel" versus "evidence-based" medicine Buckeye Health and Early Retirement 10 11-08-2007 11:21 AM
S. CA is on fire! bright eyed Other topics 78 10-26-2007 09:54 PM
Real estate slowdown evidence... farmerEd Other topics 24 12-13-2005 11:07 AM
Pensions for the lowly masses!!!! AJL Other topics 21 10-07-2005 08:45 AM
I'm new here, what is FIRE anyway ???? Don FIRE and Money 8 08-08-2005 11:07 AM

 

 
All times are GMT -6. The time now is 09:51 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.