#housing #HousingCosts #YoungAdults #BuyingAHouse #SellingAHouse
It’s not easy being a young adult today, trying to build a life.
As Bill Torpy, columnist for The Atlanta Journal-Constitution, points out, the median price for a house in Atlanta today is $405,000. He discussed the perils of young adults and housing in his May 12, 2024, column.
If you are 20-something, married or single, can you afford $405,000 for a house?
With rents on apartments also skyrocketing, it’s no wonder many young people are still leaning on “the bank of mom and dad” for help.
There are a number of issues driving up housing costs.
In decades past, a young person could get an affordable apartment to live in until he or she was able to buy a house. After all, The American Dream included home ownership.
They would buy their first house and live there until they outgrew it. Then, they would sell it to buy a bigger house. They would keep trading up in housing size as needed, until they reached retirement age.
Then, they might sell their bigger house and trade down to a smaller one, perhaps in a retirement locale with the various amenities for older folks.
That pattern is more or less out the window today. Buying and selling real estate has become something of a cut-threat endeavor.
In those old days, a person starting out might offer a price for a house that was a bit less than the seller had asked. The seller, looking for a firm sale, would usually accept. Today, it’s more likely that a buyer will have to bid up from the asking price, and might still lose out.
The demand for housing today is way over what the supply is. Because people can’t make any more land, most property available for building has been spoken for. That caps the supply at a certain level, but the population has grown considerably from decades ago, and keeps growing.
Also in the housing mix are entities such as property management companies, hedge funds and real estate investment trusts that tempt sellers with cash offers, leaving many young buyers out of luck.
Meanwhile, apartments and condos are going up like crazy in some areas.
Often, new apartments mean high rent, and new condos can be overpriced and have high owner fees to maintain common areas etc.
Tiny houses, and housing made from shipping containers also have been trending. These are not an option if one plans to have a family, or even a spouse.
Something else is happening today. Many young adults want everything now. They won’t settle for a fixer-upper, or rooms they view as too small. Many want what they are used to – what their parents have. And, they want it now. They are unwilling to accept something less, and work up to what they ultimately want.
If you are young, and do not want to live with mom and dad for the rest of your life, flexibility is the key. Chances are, even if you buy or rent someplace that’s not exactly what you want, figure on making do until you can save enough to afford more. As you trade up, you may not get everything you want at each stage. But, with each stage, you may get something more.
It’s not always possible in some areas to find adequate, affordable housing. But, if you keep looking, you may run into something you can work with. By the way, try not to get too comfortable living with mom and dad.
Remember, too, that a house is a house. A home is what you make with the house you have.
Peter
Category Archives: Uncategorized
WILL OFFICE SPACE UPGRADES BRING WORKERS BACK?
#WorkFromHome #OfficeSpace #PersonalInteractions #jobs #employers #employees
Companies that require office workers face a dilemma.
Since COVID-19 forced many workers to toil from home, some workers don’t want to come back to the office.
Their employers who pay for the office space want more workers to come back, at least once in a while.
Some, like Cisco in its Midtown Atlanta offices, are resorting to upgrading their office space by focusing on improving indoor environmental factors, according to an article by Zachary Hansen in The Atlanta Journal-Constitution. The article was published April 14, 2023.
In fact, as a new Portman Midtown Atlanta office tower goes up, it may be the last of its kind for a while, Hansen writes in an article published May 13, 2024.
But, will those things entice workers back into the office? Many have gotten used to working from home, or somewhere else. The advantages – no commute, no buying lunch at work and other money savings, for example – outweigh the disadvantages – no office worker interaction, distractions at home etc.
That puts companies in somewhat of a bind. How much office space do they really need? Does having an office building, or office space in general, give a company an identity that makes it worth having? Is upgrading office space to entice workers back going to be worth the investment? Will workers respond by coming back into the office?
These are the decisions of the future, both for companies and their employees. If a company forces workers to come back into the office, will they quit?
If a worker has a great job he or she doesn’t want to lose, will he or she give up the freedom that working from home gives them?
Will being home, with young children, be too much of a distraction for workers? Will they then bear the expenses of commuting, day care etc.?
Of course, many workers dream of having these alternatives. Many workers HAVE to go to work at a specific location. They cannot possibly do their jobs from home. They must interact with bosses, customers, coworkers etc.
But, if there are choices available, is there a way a worker can have it all with some sort of hybrid work schedule?
As discussed here before, if workers can do their jobs remotely, they can essentially live anywhere. They don’t have to be in a high-cost, high-tax locale, even if their employer is.
They can live where they want and still have the job they want.
But, as a society, do we want to encourage such a solitary lifestyle? Of course, essentially working alone cuts down on arguments. You don’t have to sit at a lunch table with someone you don’t like, or with whom you disagree on just about everything.
Still, we all benefit from having personal interactions with people. Some service organizations who meet regularly, even if they don’t require regular attendance, encourage it because club members are deprived of the presence of those who are absent. They see that as a loss.
So, most people will make decisions about where and how they work based on personal preference, unless companies impose requirements.
We will all miss something if too many people do not interact with one another. The workplace is the easiest, and often the best, place to do that.
Peter
Companies that require office workers face a dilemma.
Since COVID-19 forced many workers to toil from home, some workers don’t want to come back to the office.
Their employers who pay for the office space want more workers to come back, at least once in a while.
Some, like Cisco in its Midtown Atlanta offices, are resorting to upgrading their office space by focusing on improving indoor environmental factors, according to an article by Zachary Hansen in The Atlanta Journal-Constitution. The article was published April 14, 2023.
In fact, as a new Portman Midtown Atlanta office tower goes up, it may be the last of its kind for a while, Hansen writes in an article published May 13, 2024.
But, will those things entice workers back into the office? Many have gotten used to working from home, or somewhere else. The advantages – no commute, no buying lunch at work and other money savings, for example – outweigh the disadvantages – no office worker interaction, distractions at home etc.
That puts companies in somewhat of a bind. How much office space do they really need? Does having an office building, or office space in general, give a company an identity that makes it worth having? Is upgrading office space to entice workers back going to be worth the investment? Will workers respond by coming back into the office?
These are the decisions of the future, both for companies and their employees. If a company forces workers to come back into the office, will they quit?
If a worker has a great job he or she doesn’t want to lose, will he or she give up the freedom that working from home gives them?
Will being home, with young children, be too much of a distraction for workers? Will they then bear the expenses of commuting, day care etc.?
Of course, many workers dream of having these alternatives. Many workers HAVE to go to work at a specific location. They cannot possibly do their jobs from home. They must interact with bosses, customers, coworkers etc.
But, if there are choices available, is there a way a worker can have it all with some sort of hybrid work schedule?
As discussed here before, if workers can do their jobs remotely, they can essentially live anywhere. They don’t have to be in a high-cost, high-tax locale, even if their employer is.
They can live where they want and still have the job they want.
But, as a society, do we want to encourage such a solitary lifestyle? Of course, essentially working alone cuts down on arguments. You don’t have to sit at a lunch table with someone you don’t like, or with whom you disagree on just about everything.
Still, we all benefit from having personal interactions with people. Some service organizations who meet regularly, even if they don’t require regular attendance, encourage it because club members are deprived of the presence of those who are absent. They see that as a loss.
So, most people will make decisions about where and how they work based on personal preference, unless companies impose requirements.
We will all miss something if too many people do not interact with one another. The workplace is the easiest, and often the best, place to do that.
Peter
YOUTH FACING FINANCIAL DISTRESS
#CampusProtests #youth #FinancialSecurity #GenerationalWealth #frustration
In generations past, parents always wanted their children to have it much better than they did.
Often, that was achieved. If parents worked at manual jobs, they wanted their kids to go to college, so they would not have to do manual jobs.
Many of today’s young people see no way they can have a better life, at least economically, than their parents.
That is, short of inheriting the wealth their parents accumulated.
Many of these young people come out of college with huge student debt. If they become, say, schoolteachers, there is hardly any way they can pay off that debt AND buy a house AND start a family etc., as far as they can see.
The protests on college campuses today seem to be over the war in the Middle East. But, author Scott Galloway, in his book, “The Algebra of Wealth: A Single Formula for Financial Security,” says young people are not seeing themselves as ever becoming better off than their parents.
That may lead to the frustration some students are expressing in the campus protests.
Galloway appeared on “Inside with Jen Psaki” on MSNBC May 5, 2024.
From another perspective, Nedra Rhone, “Real Life” columnist for The Atlanta Journal-Constitution, writes that this year’s college graduates may have been deprived of both of a high school graduation ceremony because of the COVID-19 lockdowns of four years ago, and now perhaps of a college graduation ceremony because of the campus protests.
You have to feel for this generation, Rhone says. Her column on the subject also was published May 5, 2024
Financial security for young people – again, short of a big inheritance from mom and dad – is getting harder to achieve.
Today, unlike in decades past, going to work is a big cost in terms of commutes, child care etc. If the return paycheck hardly compensates for that, frustration can build. Working from home, if allowed, can ease that stress, but not everyone has that ability.
The good-paying jobs that result from expensive college educations don’t pay as well as one might think, when comparing the cost of living today with the cost of living their parents faced.
Housing costs are way up from decades ago, both in home prices and rents.
If one becomes a teacher, and, perhaps, marries another teacher, even both of their paychecks may not give them enough to house themselves and otherwise enjoy life.
We are not even talking about those who do not get a college degree. Of course, those who go into the trades – plumbers, electricians etc. – can do very well because they will always be in demand. But, surprisingly few kids are exploring that route. After all, the work can be hard and long. Many may have even watched parents work hard in trades, and don’t want to do that.
So, the frustration among young kids today may have been building over time. Some may feel quite hopeless, which may spawn mental illness.
They may find the jobs they WANT to do don’t pay enough. They either have to do something else they may not like, have a “side hustle” in their free time or try to scrape together a living with what they make doing what they like.
Some still lean on mom and dad for help well into their adult lives. How on earth, some are thinking, are they ever going to retire?
There is no better formula, perhaps, than to live below one’s means, if that’s even possible, and put the leftover money into savings. Each time one gets a raise, put that into savings, if possible.
There is no easy answer for this young generation. But, by all means, they should focus on optimism, relationships and finding less costly enjoyments in life.
Peter
In generations past, parents always wanted their children to have it much better than they did.
Often, that was achieved. If parents worked at manual jobs, they wanted their kids to go to college, so they would not have to do manual jobs.
Many of today’s young people see no way they can have a better life, at least economically, than their parents.
That is, short of inheriting the wealth their parents accumulated.
Many of these young people come out of college with huge student debt. If they become, say, schoolteachers, there is hardly any way they can pay off that debt AND buy a house AND start a family etc., as far as they can see.
The protests on college campuses today seem to be over the war in the Middle East. But, author Scott Galloway, in his book, “The Algebra of Wealth: A Single Formula for Financial Security,” says young people are not seeing themselves as ever becoming better off than their parents.
That may lead to the frustration some students are expressing in the campus protests.
Galloway appeared on “Inside with Jen Psaki” on MSNBC May 5, 2024.
From another perspective, Nedra Rhone, “Real Life” columnist for The Atlanta Journal-Constitution, writes that this year’s college graduates may have been deprived of both of a high school graduation ceremony because of the COVID-19 lockdowns of four years ago, and now perhaps of a college graduation ceremony because of the campus protests.
You have to feel for this generation, Rhone says. Her column on the subject also was published May 5, 2024
Financial security for young people – again, short of a big inheritance from mom and dad – is getting harder to achieve.
Today, unlike in decades past, going to work is a big cost in terms of commutes, child care etc. If the return paycheck hardly compensates for that, frustration can build. Working from home, if allowed, can ease that stress, but not everyone has that ability.
The good-paying jobs that result from expensive college educations don’t pay as well as one might think, when comparing the cost of living today with the cost of living their parents faced.
Housing costs are way up from decades ago, both in home prices and rents.
If one becomes a teacher, and, perhaps, marries another teacher, even both of their paychecks may not give them enough to house themselves and otherwise enjoy life.
We are not even talking about those who do not get a college degree. Of course, those who go into the trades – plumbers, electricians etc. – can do very well because they will always be in demand. But, surprisingly few kids are exploring that route. After all, the work can be hard and long. Many may have even watched parents work hard in trades, and don’t want to do that.
So, the frustration among young kids today may have been building over time. Some may feel quite hopeless, which may spawn mental illness.
They may find the jobs they WANT to do don’t pay enough. They either have to do something else they may not like, have a “side hustle” in their free time or try to scrape together a living with what they make doing what they like.
Some still lean on mom and dad for help well into their adult lives. How on earth, some are thinking, are they ever going to retire?
There is no better formula, perhaps, than to live below one’s means, if that’s even possible, and put the leftover money into savings. Each time one gets a raise, put that into savings, if possible.
There is no easy answer for this young generation. But, by all means, they should focus on optimism, relationships and finding less costly enjoyments in life.
Peter
ANGER IS AN EMOTION WE SHOULD USE SPARINGLY
#anger #emotions #FomentingAnger #media #MediaConsumption
We all get angry at some point.
If you are never angry, you may be totally emotionless.
But, if you are always angry, it can inhibit rational thinking, decision making and personal interactions.
In other words, anger is an emotion we should use sparingly.
If everything in the world makes you angry, you may be wise to step back and ask yourself, “why am I so mad at the world?”
Then ask, “what can I do to make the world better, not only for me, but also for others?”
Certain media are designed to make people perpetually angry, perhaps to the point of rage, and fearful, perhaps to the point of paranoia.
People who consume such media believe many things that are actually true are not, and some things that will never be true are indeed true.
Of course, they have no evidence to support these beliefs. Their media tell them that things they really don’t want to be true are not, even if they are. And, things they want to be true are, even if they are not.
Therefore, anger is often created by some sort of truth-mangling.
Still, reality and truth can make one angry. One may lose a job. One may lose a business. One may lose a spouse, or someone else close to him or her.
Just because these things are real doesn’t prevent the anger. But, anger over real things allows the angry person the opportunity to mitigate that anger.
That can be easier said than done, of course, but at least the person is dealing with something real. The anger, therefore, is rational.
But, when one is angry over something that isn’t real, the anger becomes irrational, even though the angry person feels real anger.
Some people have no idea why they are angry. They somehow feel put upon, but, presuming no influence from media, they find it difficult to explain, using real terms, why they are angry.
If the angry person is also a strong person, he or she can sit back, take a breath and figure out why they are angry.
Is all the emotion spent on anger worth the expended energy, stress and lack of well-being, that results?
Some, who may not be as strong may need help from friends, family or even professionals if necessary.
No, we don’t have to be “nice” every minute of every day. But, the more we make the effort to be “nice,” the better off we will be.
Sometimes, the solution may lie in getting back to basics, i.e., love thy neighbor as thyself.
Those that think of others first, rather than themselves, often are happier people. They know that thinking of others, and helping others, eventually brings personal joy and reward.
So, if one’s first instinct in any interaction is to get angry, take a pause and ask: is this anger rational? If you can find no reason for it to be rational, try to calm yourself. You may find a sense of relief that you do not often experience.
Peter
We all get angry at some point.
If you are never angry, you may be totally emotionless.
But, if you are always angry, it can inhibit rational thinking, decision making and personal interactions.
In other words, anger is an emotion we should use sparingly.
If everything in the world makes you angry, you may be wise to step back and ask yourself, “why am I so mad at the world?”
Then ask, “what can I do to make the world better, not only for me, but also for others?”
Certain media are designed to make people perpetually angry, perhaps to the point of rage, and fearful, perhaps to the point of paranoia.
People who consume such media believe many things that are actually true are not, and some things that will never be true are indeed true.
Of course, they have no evidence to support these beliefs. Their media tell them that things they really don’t want to be true are not, even if they are. And, things they want to be true are, even if they are not.
Therefore, anger is often created by some sort of truth-mangling.
Still, reality and truth can make one angry. One may lose a job. One may lose a business. One may lose a spouse, or someone else close to him or her.
Just because these things are real doesn’t prevent the anger. But, anger over real things allows the angry person the opportunity to mitigate that anger.
That can be easier said than done, of course, but at least the person is dealing with something real. The anger, therefore, is rational.
But, when one is angry over something that isn’t real, the anger becomes irrational, even though the angry person feels real anger.
Some people have no idea why they are angry. They somehow feel put upon, but, presuming no influence from media, they find it difficult to explain, using real terms, why they are angry.
If the angry person is also a strong person, he or she can sit back, take a breath and figure out why they are angry.
Is all the emotion spent on anger worth the expended energy, stress and lack of well-being, that results?
Some, who may not be as strong may need help from friends, family or even professionals if necessary.
No, we don’t have to be “nice” every minute of every day. But, the more we make the effort to be “nice,” the better off we will be.
Sometimes, the solution may lie in getting back to basics, i.e., love thy neighbor as thyself.
Those that think of others first, rather than themselves, often are happier people. They know that thinking of others, and helping others, eventually brings personal joy and reward.
So, if one’s first instinct in any interaction is to get angry, take a pause and ask: is this anger rational? If you can find no reason for it to be rational, try to calm yourself. You may find a sense of relief that you do not often experience.
Peter
WHAT IS A “REAL ESTATE NOVELIST”?
#RealEstateNovelist #”PianoMan”, #BillyJoel #loneliness #relationships
“Paul is a real estate novelist.”
That lyric from Billy Joel’s song, “Piano Man,” begs the question: “What does is a real estate novelist do? Incidentally, CBS cut off its televised Billy Joel concert at Madison Square Garden on the evening of April 14, 2024, in the middle of his performance of “Piano Man.” Joel’s fans who watched were not happy with CBS, and said so on social media. As a result, it was rebroadcast in full on April 19, 2024.
So, is Paul, who is one of the regulars in the bar at which the “Piano Man” plays, a novelist who dabbles in real estate? Does he write novels about real estate? Or, does he sell “novel” real properties?
The song does not explain. The point of the song is that Paul is among the lonely people, mostly men, who hang out regularly at the bar just to drink and listen to the piano man.
Though the song doesn’t explain Paul’s gig, Paul can teach us a few things.
First, loneliness is common – some might say an epidemic — today among children and adults. The explosion of social media, the isolation of the pandemic a few years ago and a general malaise among many people over their lives have contributed to the increase in loneliness.
If you are feeling lonely, hanging out at a bar – even if everybody knows your name, as in the TV show, “Cheers” – may not be the best solution. Certainly, no one would criticize the occasional trip to the bar to hang out with friends. But, making it a habit can be expensive and harmful over time.
Also, even though Paul in the song is lonely, we can suspect that he may write novels, and, perhaps, dabbles in real estate.
Novelists, unless they have a big seller, generally don’t make a lot of money. Having multiple streams of income can help a person pursue his or her passion, and still make a living.
If Paul sells “novel” real properties, that could be very lucrative. “Novel” properties tend to be expensive. Commissions for selling them tend to be high. If that’s the case, even money can’t cure loneliness.
Let’s presume here that writing novels about real estate would not be a lucrative pastime.
The song says Paul never had time for a wife. Either he is busy pursuing his passion and side hustle, or he’s busy selling expensive properties.
If you are unsure what to do with your life, think of people like Paul. Perhaps you have a passion that may or may not pay your bills. If so, a side hustle may be necessary. There definitely is nothing wrong with multiple streams of income, regardless of your situation.
Whatever you pursue for a living, or as a passion, let it (they) not be a substitute for relationships, friends and other pursuits that ward off loneliness.
If you are having trouble meeting people, think of something you like to do and find an organization of people who like the same thing(s), with whom you could have friendships or relationships. There are many such organizations out there, regardless of what you like to do.
The key here is having in-person relationships, not online relationships.
Online relationships can have a place, but they should not be one’s primary social interaction.
We tend to tip piano players at bars. In fact, the pianists expect that you “put bread in my jar,” as the song says. But the song “Piano Man” can leave a tip for you. Pursue your passion, make a living and have multiple good friendships and relationships.
Play on, “Piano Man.”
Peter
“Paul is a real estate novelist.”
That lyric from Billy Joel’s song, “Piano Man,” begs the question: “What does is a real estate novelist do? Incidentally, CBS cut off its televised Billy Joel concert at Madison Square Garden on the evening of April 14, 2024, in the middle of his performance of “Piano Man.” Joel’s fans who watched were not happy with CBS, and said so on social media. As a result, it was rebroadcast in full on April 19, 2024.
So, is Paul, who is one of the regulars in the bar at which the “Piano Man” plays, a novelist who dabbles in real estate? Does he write novels about real estate? Or, does he sell “novel” real properties?
The song does not explain. The point of the song is that Paul is among the lonely people, mostly men, who hang out regularly at the bar just to drink and listen to the piano man.
Though the song doesn’t explain Paul’s gig, Paul can teach us a few things.
First, loneliness is common – some might say an epidemic — today among children and adults. The explosion of social media, the isolation of the pandemic a few years ago and a general malaise among many people over their lives have contributed to the increase in loneliness.
If you are feeling lonely, hanging out at a bar – even if everybody knows your name, as in the TV show, “Cheers” – may not be the best solution. Certainly, no one would criticize the occasional trip to the bar to hang out with friends. But, making it a habit can be expensive and harmful over time.
Also, even though Paul in the song is lonely, we can suspect that he may write novels, and, perhaps, dabbles in real estate.
Novelists, unless they have a big seller, generally don’t make a lot of money. Having multiple streams of income can help a person pursue his or her passion, and still make a living.
If Paul sells “novel” real properties, that could be very lucrative. “Novel” properties tend to be expensive. Commissions for selling them tend to be high. If that’s the case, even money can’t cure loneliness.
Let’s presume here that writing novels about real estate would not be a lucrative pastime.
The song says Paul never had time for a wife. Either he is busy pursuing his passion and side hustle, or he’s busy selling expensive properties.
If you are unsure what to do with your life, think of people like Paul. Perhaps you have a passion that may or may not pay your bills. If so, a side hustle may be necessary. There definitely is nothing wrong with multiple streams of income, regardless of your situation.
Whatever you pursue for a living, or as a passion, let it (they) not be a substitute for relationships, friends and other pursuits that ward off loneliness.
If you are having trouble meeting people, think of something you like to do and find an organization of people who like the same thing(s), with whom you could have friendships or relationships. There are many such organizations out there, regardless of what you like to do.
The key here is having in-person relationships, not online relationships.
Online relationships can have a place, but they should not be one’s primary social interaction.
We tend to tip piano players at bars. In fact, the pianists expect that you “put bread in my jar,” as the song says. But the song “Piano Man” can leave a tip for you. Pursue your passion, make a living and have multiple good friendships and relationships.
Play on, “Piano Man.”
Peter
WHAT ‘;SHOULD BE’ AND WHAT ‘IS’ IN LIFE
#marriage #divorce #children #HowLifeShouldBe #dreams #goals
The song came out in 1971.
The lyrics talked of marriage, divorce and how we were all taught about what life “should be.”
Carly Simon’s “That’s the Way I’ve Always Heard It Should Be” had an eerie melody and profound lyrics.
During that decade, most people were told to go to college, get a career, settle down, get married and have children.
The lessons date to when parents of those young people were young themselves. Though they may not have gone to college, their parents taught them to get a good job, settle down, get married and have kids.
Some in the 1970s rebelled at such a life. They went off to “find themselves.” They actually fought, so as not to become like their parents.
Even though their parents likely gave them a good upbringing and a memorable childhood, they did not want to become like them.
They felt such a life was confining, too routine and even prisonlike.
They wanted to be “free.” They wanted to see the world. They wanted to explore new things.
Certainly, some, as Simon’s song points out, did what they were taught. But, the result was lots of fighting, even divorce.
It’s often difficult for some people, young or older, to figure out who they are and what they want.
For others, there was no question.
For some of those indecisive folks, they’ll know who they are and what they want when it comes to them. It’s as if they are waiting for a message from above to guide them.
For the more decisive, it’s a matter of doing what one needs to do to get what one wants. Often, that can take time and lots of effort. Plus, much like for the indecisive, things have to go right along the way. Good fortune comes to those who prepare to receive it.
The lesson here is not to necessarily dismiss what your parents taught you, but to compile those teachings with a body of your own thoughts.
Sometimes, some things will just feel right. Other times, that right feeling has to be created.
Another important lesson is to enjoy the journey of life. You probably won’t remember how you were at the end of the journey, but you will certainly remember the milestones along the way.
A third lesson is to prepare for your entire life. Decisions one makes when he or she is young will benefit – or not – what happens to him or her in later years. Every thought or action should involve thoughts of how that thought or action will impact one’s future.
So, as the Simon song laments, don’t necessarily be what you always heard you should be. Find what pleases you. Create goals and a path to get to them. Things may happen for a reason you don’t know at the time, so react properly to them to stay on, or get back to, your path to success.
Your path always may not be in a straight line. Some of those twists and turns can be beneficial. Regardless, they should always be memorable.
Peter
The song came out in 1971.
The lyrics talked of marriage, divorce and how we were all taught about what life “should be.”
Carly Simon’s “That’s the Way I’ve Always Heard It Should Be” had an eerie melody and profound lyrics.
During that decade, most people were told to go to college, get a career, settle down, get married and have children.
The lessons date to when parents of those young people were young themselves. Though they may not have gone to college, their parents taught them to get a good job, settle down, get married and have kids.
Some in the 1970s rebelled at such a life. They went off to “find themselves.” They actually fought, so as not to become like their parents.
Even though their parents likely gave them a good upbringing and a memorable childhood, they did not want to become like them.
They felt such a life was confining, too routine and even prisonlike.
They wanted to be “free.” They wanted to see the world. They wanted to explore new things.
Certainly, some, as Simon’s song points out, did what they were taught. But, the result was lots of fighting, even divorce.
It’s often difficult for some people, young or older, to figure out who they are and what they want.
For others, there was no question.
For some of those indecisive folks, they’ll know who they are and what they want when it comes to them. It’s as if they are waiting for a message from above to guide them.
For the more decisive, it’s a matter of doing what one needs to do to get what one wants. Often, that can take time and lots of effort. Plus, much like for the indecisive, things have to go right along the way. Good fortune comes to those who prepare to receive it.
The lesson here is not to necessarily dismiss what your parents taught you, but to compile those teachings with a body of your own thoughts.
Sometimes, some things will just feel right. Other times, that right feeling has to be created.
Another important lesson is to enjoy the journey of life. You probably won’t remember how you were at the end of the journey, but you will certainly remember the milestones along the way.
A third lesson is to prepare for your entire life. Decisions one makes when he or she is young will benefit – or not – what happens to him or her in later years. Every thought or action should involve thoughts of how that thought or action will impact one’s future.
So, as the Simon song laments, don’t necessarily be what you always heard you should be. Find what pleases you. Create goals and a path to get to them. Things may happen for a reason you don’t know at the time, so react properly to them to stay on, or get back to, your path to success.
Your path always may not be in a straight line. Some of those twists and turns can be beneficial. Regardless, they should always be memorable.
Peter
ARE YOU THINKING ABOUT THE FUTURE, OR THE PRESENT?
#future #present #PlanningForTheFuture #PlanForTheFuture
To paraphrase a Valero TV ad: Why do we focus so much on the future, and not enough on the present?
There are many ways to think about this. So, let’s start with the present, since there is no time like it.
There’s an adage that says, “Do today what others won’t, so you can do tomorrow what others can’t.”
In other words, use the present to plan for the future.
Another school of thought says, “I want it now.” Yet, sometimes forgoing immediate gratification bodes well for your future.
A third thought is, “Carpe Diem,” or “Seize the Day.” But if you seize today, will you have enough to seize tomorrow, or next week, next month, next year?
Certainly, what one does today can help, or hurt, him or her in the future. That one extra cookie, tasty as it is, may leave some extra weight tomorrow. It may be extra weight you will not want, but will have difficulty getting rid of.
At the same time, putting a penny in a piggy bank today, and every day, will get you started on saving for your future. Of course, you MUST have the discipline not to raid your piggy for an impulse buy. And, once you fill that piggy with a penny a day, you have to have the wherewithal eventually to take it to a bank and start to make your money work for your future.
Indeed, focusing on the present, with the right activities, will go a long way to ensuring a good future.
One difference between the present and the future is knowledge. We may not know what the future will look like, but we certainly know what the present looks like.
If your present, as you see it, is not looking good to you, it’s imperative to think about what YOU can do now to make your future better.
Yes, that thought process might involve enduring the present unpleasantness for a time, while you act on finding a good future.
Also, thinking about a good future can relieve some of the stress of a not-so-great present. But, thinking alone will not bring about that good future. You have to think it, certainly, but you also have to know what you have to do to get to it. Then, of course, you have to go about doing those things now.
In short, the present and the future are not necessarily discrete entities. But they can be if you want them to be.
The future, of course, means you will be older. There may be things that you can do now, that you won’t be able to do then. If those things you can do now will help you later on, do them while you are able.
There are also everyday habits in the present that can help, or hurt, your future. Keep the helpful habits and lose the hurtful ones if you can.
Though you may not know what the future will bring, prepare well for it. Be flexible enough to alter your plans as needed, while being steady enough to do the things you are certain will help you later.
Enjoying the present and leaving the future to chance is perilous. No, the future doesn’t take care of itself. But, there may be things, good and bad, that will come your way that you cannot anticipate. Then, it’s a matter of dealing with the future as the present when it comes.
So, enjoy your present, but have an idea what you will need to do to ensure a good future. You will thank yourself later.
Peter
To paraphrase a Valero TV ad: Why do we focus so much on the future, and not enough on the present?
There are many ways to think about this. So, let’s start with the present, since there is no time like it.
There’s an adage that says, “Do today what others won’t, so you can do tomorrow what others can’t.”
In other words, use the present to plan for the future.
Another school of thought says, “I want it now.” Yet, sometimes forgoing immediate gratification bodes well for your future.
A third thought is, “Carpe Diem,” or “Seize the Day.” But if you seize today, will you have enough to seize tomorrow, or next week, next month, next year?
Certainly, what one does today can help, or hurt, him or her in the future. That one extra cookie, tasty as it is, may leave some extra weight tomorrow. It may be extra weight you will not want, but will have difficulty getting rid of.
At the same time, putting a penny in a piggy bank today, and every day, will get you started on saving for your future. Of course, you MUST have the discipline not to raid your piggy for an impulse buy. And, once you fill that piggy with a penny a day, you have to have the wherewithal eventually to take it to a bank and start to make your money work for your future.
Indeed, focusing on the present, with the right activities, will go a long way to ensuring a good future.
One difference between the present and the future is knowledge. We may not know what the future will look like, but we certainly know what the present looks like.
If your present, as you see it, is not looking good to you, it’s imperative to think about what YOU can do now to make your future better.
Yes, that thought process might involve enduring the present unpleasantness for a time, while you act on finding a good future.
Also, thinking about a good future can relieve some of the stress of a not-so-great present. But, thinking alone will not bring about that good future. You have to think it, certainly, but you also have to know what you have to do to get to it. Then, of course, you have to go about doing those things now.
In short, the present and the future are not necessarily discrete entities. But they can be if you want them to be.
The future, of course, means you will be older. There may be things that you can do now, that you won’t be able to do then. If those things you can do now will help you later on, do them while you are able.
There are also everyday habits in the present that can help, or hurt, your future. Keep the helpful habits and lose the hurtful ones if you can.
Though you may not know what the future will bring, prepare well for it. Be flexible enough to alter your plans as needed, while being steady enough to do the things you are certain will help you later.
Enjoying the present and leaving the future to chance is perilous. No, the future doesn’t take care of itself. But, there may be things, good and bad, that will come your way that you cannot anticipate. Then, it’s a matter of dealing with the future as the present when it comes.
So, enjoy your present, but have an idea what you will need to do to ensure a good future. You will thank yourself later.
Peter
REAL ESTATE CAN BE HARD TO BUY
#RealEstate #housing #BuyingHouses #SellingHouses #BuildingHouses
To paraphrase a Redfin TV ad: The prospective buyer says the kitchen is a little tight, but they can live with it.
The agent replies: You shouldn’t live with it. You should love it.
Buying real estate, especially a home you plan to live in, can be a frustrating experience.
No home, even one you build from scratch, is perfect.
Existing homes can be even more imperfect. Rarely does a buyer find an existing home that has EVERYTHING he or she wants.
It seems there is always something one has to “live with.”
Usually, there are some things in the home that aren’t perfect, but you can fix them eventually. Therefore, as a buyer, you should price that into your offer.
In the relatively tight real estate market we are in, you may have to pay full price, or bid up, a house that may have things in it you don’t like.
Many of today’s buyers are looking for perfection, and won’t stop until they find it. That’s a nice problem if you are in no hurry to move in.
But, as there are no perfect humans, there are no perfect houses – or, at least, they are very rare. That’s because perfection is only in the eyes of the buyer.
Because of the number of variables in the real estate buying process, the willingness to compromise may be a good trait for buyers.
And, it’s OK to have a bottom line of what you can accept, and what you can pay.
Perfection may lie outside one’s budget.
That’s why an abundance of choice is desirable. It’s good to look at as many homes as possible within the given radius of where you need to live.
In addition to price, another variable may be demand. You may like the first house you see. But if you wait to pull the trigger, so you can look at other houses, your top choice may be gone once you’ve decided.
If you are buying your first house, and are looking for “starter” homes, you may find them few and far between. If you do find a starter, it may be older. Older homes require more work, so don’t be afraid to put the work in over time. In the current market, if you do the “right” things to your house, you’ll get your money back, and, usually, more.
If you elect to build from scratch, find a reputable builder who won’t skip town once your house is done. The cost of building materials have risen to the degree that some builders, who also find it difficult to get the help they need, won’t quote you a firm price or a completion date.
And, watch your new house go up, if you are able. Make sure your builder doesn’t cut corners.
Again, buying real estate is an imperfect science. Buyers and sellers usually have to be flexible. If they are, the process will be less stressful.
In short, you don’t have to love everything about the house you buy. If it meets your needs, and is in a good location for you, you may not want to hesitate to make an offer.
If you hesitate, it could be gone. And, if you are lucky and get a good house, perhaps you can fix the things you don’t love.
Peter
To paraphrase a Redfin TV ad: The prospective buyer says the kitchen is a little tight, but they can live with it.
The agent replies: You shouldn’t live with it. You should love it.
Buying real estate, especially a home you plan to live in, can be a frustrating experience.
No home, even one you build from scratch, is perfect.
Existing homes can be even more imperfect. Rarely does a buyer find an existing home that has EVERYTHING he or she wants.
It seems there is always something one has to “live with.”
Usually, there are some things in the home that aren’t perfect, but you can fix them eventually. Therefore, as a buyer, you should price that into your offer.
In the relatively tight real estate market we are in, you may have to pay full price, or bid up, a house that may have things in it you don’t like.
Many of today’s buyers are looking for perfection, and won’t stop until they find it. That’s a nice problem if you are in no hurry to move in.
But, as there are no perfect humans, there are no perfect houses – or, at least, they are very rare. That’s because perfection is only in the eyes of the buyer.
Because of the number of variables in the real estate buying process, the willingness to compromise may be a good trait for buyers.
And, it’s OK to have a bottom line of what you can accept, and what you can pay.
Perfection may lie outside one’s budget.
That’s why an abundance of choice is desirable. It’s good to look at as many homes as possible within the given radius of where you need to live.
In addition to price, another variable may be demand. You may like the first house you see. But if you wait to pull the trigger, so you can look at other houses, your top choice may be gone once you’ve decided.
If you are buying your first house, and are looking for “starter” homes, you may find them few and far between. If you do find a starter, it may be older. Older homes require more work, so don’t be afraid to put the work in over time. In the current market, if you do the “right” things to your house, you’ll get your money back, and, usually, more.
If you elect to build from scratch, find a reputable builder who won’t skip town once your house is done. The cost of building materials have risen to the degree that some builders, who also find it difficult to get the help they need, won’t quote you a firm price or a completion date.
And, watch your new house go up, if you are able. Make sure your builder doesn’t cut corners.
Again, buying real estate is an imperfect science. Buyers and sellers usually have to be flexible. If they are, the process will be less stressful.
In short, you don’t have to love everything about the house you buy. If it meets your needs, and is in a good location for you, you may not want to hesitate to make an offer.
If you hesitate, it could be gone. And, if you are lucky and get a good house, perhaps you can fix the things you don’t love.
Peter
CAN (DO) STUDENTS FEEL SAFE IN SCHOOLS
#SchooolSafety #teachers #students #parents #FeelingSafe #SchoolShootings
Safety in schools is more than just being able to avoid being shot.
Of course, any moment now, someone could walk into a school with a gun and shoot a bunch of students, teachers and staff.
What can we do about it? Not much, short of limiting the supply of firearms – particularly the most lethal and purely offensive weapons — for people who shouldn’t have them.
More security officers in schools will help, as long as they are willing to come face to face with the assaulter(s).
But now, it’s not just the threat of violence in the schools that can concern children. Children used to be able to confide in teachers, or other staff, about things they may have been afraid to tell parents.
Now, in many places, teachers and staff MUST tell parents if children talk to them about, say, their sexuality.
Maureen Downey, education columnist for The Atlanta Journal-Constitution, took on this topic in her March 14, 2023, column.
There was a time when school was a totally safe space for kids. Yes, they were supervised. Yes, they had many requirements they had to fulfill. Sometimes, discipline was necessary.
If Child X was bothering Child Y, Child Y could go to someone and report it confidentially – at least in theory. (There may have been some fear that Child X would retaliate if he or she were disciplined).
Of course, there should be cooperation between teachers, staff and parents when necessary. But there are some things kids don’t want to discuss with parents, particularly if they live in restrictive households.
Discussing such things with other students has its own peril. Besides, students usually do not have the adult wisdom to counsel properly.
We want students not only to be safe in school, but also to FEEL safe in school. If they do not feel safe, they won’t learn properly. Despite some schools that strictly use rigor and discipline as an education method, most students are not motivated to learn strictly out of fear. Certainly, fear can get kids to accomplish tasks. But, they are unlikely to truly learn what they need to know that way.
Feeling unsafe in school puts fear at top of mind for students.
So, what is an educator to do under these conditions?
If students are not allowed to be honest with educators about what they are feeling, how is an educator supposed to reach them?
As governments begin to impose unreasonable restrictions on how teachers teach, what they teach, what they can and cannot say to students etc., how and what do these entities expect students to learn in school?
It’s a question that will not be answered immediately. It’s difficult to measure what a deprived learning environment will do to any child.
The good news in all this – or the bad news, depending on one’s perspective – is that if a student doesn’t learn what he or she wants in school, there are other readily available outlets for them to get that information. Students often will fill that learning vacuum via other means.
We can only hope that depriving students of safety, and some education, in schools doesn’t lead to one or more of them, out of frustration, turning to weapons against that same school.
Peter
Safety in schools is more than just being able to avoid being shot.
Of course, any moment now, someone could walk into a school with a gun and shoot a bunch of students, teachers and staff.
What can we do about it? Not much, short of limiting the supply of firearms – particularly the most lethal and purely offensive weapons — for people who shouldn’t have them.
More security officers in schools will help, as long as they are willing to come face to face with the assaulter(s).
But now, it’s not just the threat of violence in the schools that can concern children. Children used to be able to confide in teachers, or other staff, about things they may have been afraid to tell parents.
Now, in many places, teachers and staff MUST tell parents if children talk to them about, say, their sexuality.
Maureen Downey, education columnist for The Atlanta Journal-Constitution, took on this topic in her March 14, 2023, column.
There was a time when school was a totally safe space for kids. Yes, they were supervised. Yes, they had many requirements they had to fulfill. Sometimes, discipline was necessary.
If Child X was bothering Child Y, Child Y could go to someone and report it confidentially – at least in theory. (There may have been some fear that Child X would retaliate if he or she were disciplined).
Of course, there should be cooperation between teachers, staff and parents when necessary. But there are some things kids don’t want to discuss with parents, particularly if they live in restrictive households.
Discussing such things with other students has its own peril. Besides, students usually do not have the adult wisdom to counsel properly.
We want students not only to be safe in school, but also to FEEL safe in school. If they do not feel safe, they won’t learn properly. Despite some schools that strictly use rigor and discipline as an education method, most students are not motivated to learn strictly out of fear. Certainly, fear can get kids to accomplish tasks. But, they are unlikely to truly learn what they need to know that way.
Feeling unsafe in school puts fear at top of mind for students.
So, what is an educator to do under these conditions?
If students are not allowed to be honest with educators about what they are feeling, how is an educator supposed to reach them?
As governments begin to impose unreasonable restrictions on how teachers teach, what they teach, what they can and cannot say to students etc., how and what do these entities expect students to learn in school?
It’s a question that will not be answered immediately. It’s difficult to measure what a deprived learning environment will do to any child.
The good news in all this – or the bad news, depending on one’s perspective – is that if a student doesn’t learn what he or she wants in school, there are other readily available outlets for them to get that information. Students often will fill that learning vacuum via other means.
We can only hope that depriving students of safety, and some education, in schools doesn’t lead to one or more of them, out of frustration, turning to weapons against that same school.
Peter
WORK UNTIL YOU DIE?
#retirement #WorkUntilYouDie #labor #jobs #employment
There’s talk in the public sphere about abolishing retirement.
That means, of course, working until you die, unless you have a disability.
The conversation is coupled with talk of cuts in Social Security and Medicare, even if such cuts come from only “waste” in those funds.
First, if you have a great job, and your employer will let you work until you die, congratulations.
But, that’s hardly the case in most places. Despite the need for labor and many unfilled positions, employers definitely look at older workers, many of whom are making the most money in their categories, for places to cut. Ultimately, they may replace those workers with younger, cheaper ones.
The generous employers will offer these older workers separation incentives, commonly called buyouts, to leave by a specified date.
The less generous employers will just lay off older workers, despite laws that may put them in a protected class.
These protected class laws put the burden on the employees to sue to keep their jobs. They have to show, in most cases, that their employers fired them simply because of their ages. That’s hard to prove, since employers can come up with other – legitimate or illegitimate – reasons to let a person go. Many employees are also so-called “at-will” workers, meaning they can be fired for any reason. Also, most employees won’t bother suing, and the employers know that.
But, even if your employer WANTS you to work until you die, do YOU want to work until you die – particularly at a job you hate?
Retirement is designed not just to protect older people from workplace abuse, but also for the workers to live their golden years with some degree of well-earned pleasure. It’s designed for people to enjoy, and have control of, some part of their lives before they die. Also, it is designed to make jobs available for younger workers.
When Social Security was created as part of the New Deal after World War II, most people didn’t live but a few years after their retirement at, say, age 65.
Now, with advances in medical care, people are living decades after retirement, placing a burden not just on Social Security, but also on public and private pension funds. Some actuarial studies show these funds might not be sustainable for the near term, never mind perpetuity.
Making people work well into their so-called retirement years conjures up many awful scenarios. Would you want your parent or grandparent in a factory line, working his or her tail off in their 70s or 80s?
Would they even survive it?
In addition to medical advances, people are living longer likely because they are not working.
No one should discriminate against a worker because of his or her age.
But, no one should make someone work past a certain age, if he or she chooses not to.
And, yes, we need to take care of older people who are not working.
It’s not an easy problem to solve. But imaginative people in all sectors of society can, and, hopefully, will find ways to make retirement more achievable, enjoyable and sustainable.
Peter
There’s talk in the public sphere about abolishing retirement.
That means, of course, working until you die, unless you have a disability.
The conversation is coupled with talk of cuts in Social Security and Medicare, even if such cuts come from only “waste” in those funds.
First, if you have a great job, and your employer will let you work until you die, congratulations.
But, that’s hardly the case in most places. Despite the need for labor and many unfilled positions, employers definitely look at older workers, many of whom are making the most money in their categories, for places to cut. Ultimately, they may replace those workers with younger, cheaper ones.
The generous employers will offer these older workers separation incentives, commonly called buyouts, to leave by a specified date.
The less generous employers will just lay off older workers, despite laws that may put them in a protected class.
These protected class laws put the burden on the employees to sue to keep their jobs. They have to show, in most cases, that their employers fired them simply because of their ages. That’s hard to prove, since employers can come up with other – legitimate or illegitimate – reasons to let a person go. Many employees are also so-called “at-will” workers, meaning they can be fired for any reason. Also, most employees won’t bother suing, and the employers know that.
But, even if your employer WANTS you to work until you die, do YOU want to work until you die – particularly at a job you hate?
Retirement is designed not just to protect older people from workplace abuse, but also for the workers to live their golden years with some degree of well-earned pleasure. It’s designed for people to enjoy, and have control of, some part of their lives before they die. Also, it is designed to make jobs available for younger workers.
When Social Security was created as part of the New Deal after World War II, most people didn’t live but a few years after their retirement at, say, age 65.
Now, with advances in medical care, people are living decades after retirement, placing a burden not just on Social Security, but also on public and private pension funds. Some actuarial studies show these funds might not be sustainable for the near term, never mind perpetuity.
Making people work well into their so-called retirement years conjures up many awful scenarios. Would you want your parent or grandparent in a factory line, working his or her tail off in their 70s or 80s?
Would they even survive it?
In addition to medical advances, people are living longer likely because they are not working.
No one should discriminate against a worker because of his or her age.
But, no one should make someone work past a certain age, if he or she chooses not to.
And, yes, we need to take care of older people who are not working.
It’s not an easy problem to solve. But imaginative people in all sectors of society can, and, hopefully, will find ways to make retirement more achievable, enjoyable and sustainable.
Peter