As I’ve been reading the book, oddly enough, New York and New England have suffered a year of unusual weather and natural disasters. This year alone, we’ve had THREE devastating floods, an earthquake, two hurricanes, innumerable tornadoes and — a mere week ago — a freak October Nor’Easter that dumped 32 inches in Maine. I was shocked to read the blog of one of my friends. who reports that in Connecticut they STILL have no electrical power. Cindi has had to throw out all the food in her two refrigerators and freezers. News reports say the storm killed 8 people and cut power for at least 4 million households. Wow. Cindi said she has a generator, but there is no gasoline available, so they are out of power completely. Because of the immense snow and downed trees, travel out of the area is impossible, So they are stuck in the disaster zone. Wow.

It won't be long....

And that got me thinking.

My husband and I have discussed “emergency preparedness” before. We have two sump pumps that work day and night to keep water out of our basement. We’ve experienced numerous floods (so many I can’t count anymore), but only once did we lose power in all our years here. If we lost power — especially during a heavy rainfall or hurricane — we’d be inundated with flood waters. So we discussed getting a generator, thinking this would solve our problem. But after reading Cindi’s situation, I wonder if that’s really the cure-all we originally thought. In a natural catastrophe, the gas stations may not pump gas. Then what?

So I don’t know what to do. I feel rather frustrated because everything in our society is SO reliant and integrated with the electrical grid. It makes me feel uneasy. I like to have a contingency plan, but there really isn’t anything. And I thought, “Well, we could get a wood-burning generator, right?” But our chainsaw needs gas to cut that wood. We have SOME wood in the back, but I don’t think we would have nearly enough. And where would I store it? If another flood rages across my land, all the wood is down the pike.

I’m beginning to think “emergency preparedness” is a pipe dream. There’s only *so much* you can do, because no matter what, you are reliant on other people and groups in the community being prepared, too. Which, as we see with the numerous disasters this year, few communities are. I do wonder about my own community. Are they so busy building sidewalks and shopping centers for electronics and plus size bridesmaid dresses that they forget the other things, too? Like BOATS, lol.

Hm. What do you think?

America’s home ownership rate, after holding steady for a while, took a pretty big plunge in Q4, from 66.9 percent to 66.5 percent. That’s down from the 2004 peak of 69.2 percent and the lowest level since 1998.

Homeownership is falling at an alarming pace, despite the fact that home prices have fallen, affordability is much improved and inventories of new and existing homes are still running quite high.

Bargains abound, but few are interested or eligible to take advantage.

What’s even more shocking is that 11% of U.S. homes sit empty.

There were 18.4 million vacant homes in the U.S. in Q4 ’10 (11 percent of all housing units vacant all year round), which is actually an improvement of 427,000 from a year ago, but not for the reasons you’d think.

The number of vacant homes for rent fell by 493 thousand, as rental demand rose. 471,000 homes are listed as “Held off Market” about half for temporary use, but the other half are likely foreclosures. And no, the shadow inventory isn’t just 200,000, it’s far higher than that.

Not sure why, but I can guess. For one, Americans are uneasy about the economy. The government is spending like a MANIAC, China is rising almost as fast as our debt and interest rates… and who is earning enough to pay back those loans? Who can qualify for VA Home Loans? Some folks may want to take advantage of opportunities with Streamline Refinance, but I can certainly understand the general feeling of uneasiness in the nation.

The largest city in my locality, Utica, NY, was listed by Zillow.com as the Number One city in America to buy an affordable home. Everyone up here was practically waving flags: We’re Number One! We’re Number One!

But…. we have the “most affordable” homes in the nation– you mean the lowest priced? Isn’t that, like, bad?! And what good is it getting a cheap home for $25,000 in a city that is near bankruptcy and where property taxes are $7,000 a year?! How can that be a cause for celebration?

Economists and politicians alike go on and on, saying that the home construction and home ownership industry is the backbone of the American economy. So why are the banks and politicians selling Americans so short that we cannot afford the homes?

I don’t like this transition into a society that rents their homes. Property ownership is the backbone of the United States, property ownership gives citizens a vested interest in their community. Whatever happened to Life, LIberty, and the Pursuit of Happiness?

I just read a press release regarding a “voluntary” recall by the FDA and Circle City Marketing and Distributing for their Toxic Waste® brand Nuclear Sludge® Chew Bars. Apparently, the State of California Department of Public Health discovered “elevated levels of lead (0.24 parts per million; the U.S. FDA tolerance is 0.1 ppm) that potentially could cause health problems, particularly for infants, small children, and pregnant women.” You can read about the recall at the FDA site: Candy Dynamics Recalls Toxic Waste® brand Nuclear Sludge® Chew Bars.

I guess they weren’t kidding about the “toxic sludge,” huh?

The food is imported from Pakistan. The story does not say if the food is labeled that it is from Pakistan. I have never seen this food, so I don’t know.

You know, it’s REALLY STUPID to have such restrictive laws in the United States about lead and other toxic junk in our food produced here, only to have companies make the food in foreign countries who have little to no protection, and ship it here for U.S. consumers. 100 years ago, a foreign country that took our money and poisoned our food at our expense was a call for war. Today, it’s globalization and “business.”

I’m not a warmonger, nor do I think that we should go to war with Pakistan! (I always have insert these disclaimers because there are knuckleheads out there who troll the Internet looking to inflame). But if globalization means poisoning our own people because the politicians like their pockets lined from Big Business who makes the bucks overseas, then I’d rather go back to isolationism and nativism. Yay, even xenophobia sounds good right about now. :-p

ANYWAY. All I’m saying is that all our big, fancy U.S. laws that are supposed to protect Americans from toxic chemicals in the food mean absolutely nothing if we get our foods from another country!!! Is our country so impoverished that we cannot even provide our OWN food anymore?! That we cannot even set standards for the products coming into our OWN country?!

Anyway, I wouldn’t be very inclined to eat ANYTHING labeled as “toxic sludge,” would you? Plus, these things are touted as “chew bars,” but I think they are just candy bars. Consume one of these calorie-crammed babies and you’ll wondering do diet pills really work.

I have been so unhappy with our country removing our manufacturing industry overseas. Now, they are moving even our food industry overseas. We all may as well stamp Americans’ heads “Made in China” as soon as our kids are born….

Wild!

So the chatter around the water cooler is that this will only prolong the housing market bust. According to Amy Calistri of Street Authority, mortgage debt in the United States fell by $99 BILLION in the first quarter of this year. In the second quarter, it dropped again, half that.

It’s pretty obvious that Americans are not buying new homes! This is good. Seriously. For one, I think our economy relies too much on new construction, particularly when there are billions of older homes that are perfectly suitable for use. All this excessive and new construction causes sprawl, eats up rural resources and creates more debt. I think we should change our attentions away from newnewnew, and begin to recycle the very good homes that exist currently. My home, built in 1855, is a fine example of making something old new again. And every single inspector that has looked at my house raves about the strength of the structure– “They don’t make homes like they used to,” they all say. So all this talk about a “housing armageddon” is, I think, a little overstated. It may be a housing armageddon for the banks, but for the average American and the average traditional American pre-owned home, it’s housing heaven.

Another result of the housing market turned upside down is the apartments industry. Again, according to Street Authority:

But the decline in home buying is starting to trigger an increased demand for rental apartments. Apartment occupancy rates rose to 92.2% in the second quarter of 2010, up from 92.0% in the first quarter according to Reis Inc. Rents are also starting to rise modestly, up +0.7% in the second quarter.

Apartment occupancy rates rose 92% ?!? That’s incredible! This is a radical change in the housing industry in our country. Now, I’m sure not everyone can afford a posh Manhattan luxury apartment after foreclosing on their homes, right? This opens up an entirely new demographic after the housing boom of the 90s. The “experts” say that the backbone of the American economy is home ownership. I don’t know if this is true– is it? As I have already stated, home ownership requires bank loans. So the backbone of the banking industry is home ownership, to be sure.

I am wary of all the Chicken Littles running around, trying to make us anxious about the “crises” that face us, when in reality, most of the “crises” that exist are for the banks. It’s unfortunate that some folks lose their homes, yes. But as far as ruining our economy– I really wonder if this is true. If anything, Americans are focusing on making more with less (not necessarily a bad thing), and people are looking for apartments (which encourages cities and landlords to clean up and fix up their areas). We are, by nature, a resilient people. We will adapt and adjust to changes. I do not think the housing market shifts constitute the end of the world. Perhaps this is as good a time as any to return to the good old Yankee work ethic:

Use it, wear it out. make it do, or do without.

And it’s getting scary out there.

There are a slew of new proposals and laws, none of them good. Actually, they are all very strange and control-freaky. I guess this is what happens when government already controls our cars, our driving, our banking, our health care, our energy use, etc etc. They want to control what we eat and how we live. Things are going tooooo far. Look at some of these news stories.

New Lead Paint Law Effective April 22, 2010
Congress has deemed that any renovation work done by contractors on houses built before 1978 are to be done by a certified contractor. This does not apply to Do-It-Yourselfers. But not everyone is a DIY’er, and this law could jack up the renovation budget into the tens of thousands. I once applied for a Rural Development Loan for $7000, and they told me that before I could get that loan, I had to have certified groups come in the home and test for lead and asbestos, and have it removed. The cost: over $30,000. I would pay for it. And that was JUST for a $7,000 loan to fix my chimney!!!! (P.S. Just because a home was built before 1978 does not mean it has lead paint/asbestos. But you can bet your bottom dollar that this won’t matter to the form-and-fee-claimers).

Is Your Home Improvement Project Legal?
In the city of Utica, NY, a small city in Central NY near to where I live, it is illegal for any homeowner to do ANY repairs on their home themselves. They must hire a professional, certified contractor. You can’t even change a toilet. So instead of repealing the law, the Utica city government came up with an additional, “try and fix it” law (no surprises there): get every homeowner to pay for a special repair course and get a temporary license. Now, I wish there was actually a program like this for homeowners who WANT something like this– but to force all homeowners to take this course and get a certificate so they can add an electrical outlet or replace their toilet is insane. One commenter on the news story made a great point:

By the time all is said and done you won’t even be able to live in your own home without have a special license. This is getting ridiculous and all it’s about is making more money for the government. Now you can’t even fix up your own home.

New Wood Boiler Regulations by Department of Environmental Conservation
The government wants to force everyone to upgrade their wood-fueled boiler heaters to new and approved heaters. The DEC says that this will cause less pollution. What the?! If they were so concerned about pollution, they’d look for bigger fish to fry than to hunt down poor, rural farmers who burn wood as their only source of heat! These folks cannot afford shiny new $20,000 boilers. Give me a break.

And there are a handful more such new laws and proposals, but I don’t remember them all. And to top it all off, the property taxes are SKY HIGH in New York and New England. I pay almost $30 per $1,000 assessed valuation on my home, and my rickety old home is assessed at 100%.

They are making it nearly impossible to live peacably and in liberty in one’s own home. They want to regulate EVERYTHING when it comes down to it. NY even has some silly ideas about banning certain fats, taxing sodas, and banning salt! It’s getting crazy out there…..

According to Bloomberg, this may be the year the housing market bottoms out. Hmm. I am skeptical; we’ll see. I haven’t seen any moves by anyone to tighten the belt or hit a diet supplements routine. Instead, I still see an awful lot of gorging!

U.S. home prices will reach bottom by the end of the year, concluding a slide that will have cut values 36 percent, Moody’s Economy.com said today.

“Notwithstanding the intensifying economic gloom, the bottom of the housing downturn is within sight,” chief economist Mark Zandi said in a statement today. “Presuming we see strong action by policymakers to help support the economy and the housing market, prices will begin to recover by the end of this year.”

Demand for new and existing homes began to fall in 2005, marking the end of a five-year U.S. housing boom fueled in part by easy credit for subprime borrowers. Existing home prices tumbled from an average high of $230,200 in July 2006 to $175,400 in December, according to data from the Chicago-based National Association of Realtors.

U.S. home prices will fall another 11 percent on average before stabilizing, according to Moody’s Economy.com. The Case- Shiller home price index will fall 36 percent from its 2006 peak to the bottom this year, Zandi’s study said.

About 62 percent of U.S. metropolitan areas surveyed will record double-digit declines in home prices by the end of the slump, according to today’s report. Prices will fall more than 50 percent in former boom areas such as southeast Florida and parts of California, including Riverside.

The rest of the nation is experiencing what we in New York State have been seeing for the past 15-20 years. So here, the housing market decline is not as unbearable… to every cloud there’s a silver lining, I guess… *laughs manically*.

You know, when the American people were clamoring to the government, demanding that the government “create jobs,” I think Americans forgot to tell the leaders– “Uh, we meant create more jobs for AMERICANS.” Because that’s a lot of the problem, here– the outsourcing of everything, everything except retail industry jobs. You just cannot base an economy on “Paper or plastic?” and “Do you want fries with that?” DUH!!!

Anyway, it’s really up to us to make this economy work. Shopping our way out a recession is not going to work– getting out of debt, building savings, and living frugally is what will do it.

Here are some of the trends that are being marketed to us this year … everyone is buying so we have to have it too … becoming popular:

1. Granite countertops.

Are they kidding?! There was a flurry of news reports in July and August, claiming that granite countertops emit radon. I blogged about it, too. Besides, granite is THE most expensive countertop you can buy (unless you want gold plate). I am highly suspicious that granite countertops are the new “trend” at the same time that people are losing their 401Ks and manufacturing jobs continue to be outsourced (by the way, do we still have any manufacturing companies in the U.S.?)

2. Personalized, decorative tile backsplashes.

Again, this is a highly customized feature. I seriously doubt that people are going to want to spend 5 times more for decorative tile for their backsplashes.

3. Glass front cabinets.

Not terribly thrifty, but glass front may eventually be cheaper than solid wood. Still, it’s another semi-custom feature. I think consumers are going to lean toward more stock items, things that are durable and easy to maintain.

4. Stainless steel appliances and white appliances.

When did white appliances go out of “trend”? I think 99% of us have white refrigerators, right? Stainless steel appliances have come a long way. I think they used to be priced right around $2500 when they first came out; I saw one at Lowe’s for about $1,500 recently. Still… a refrigerator is a refrigerator. Does it really matter if it has a micro computer memory chip to make the perfect ice cube? Do you think you’d pay $1000 more for a fridge because it has stainless steel covering? Not me, anyway.

5. Turquoise and pink colors.

*screams in horror*

I FINALLY got rid of all the turquoise and pink paint from when they did it to my house in the 1950s! Noooooooooo!

“It’s any color pink. Pink is the hot shade. Bubblegum, raspberry pink, cherry pink… all those pinks are big. The other big shade is turquoise. Turquoise jewelry is hot and we’re starting to see that in fabric and wallpaper design. It’s just now starting but it will get huge.”

Ladies, if we want the men to pitch in in the kitchen, JUST SAY NO to pink.

6. Round or oval tables.

7. Hardwood floors.

Again, #6 and #7 are in moderately higher echelons than the other existing choices– rectangular tables and vinyl flooring. I have seen some very nice hardwood-looking resilient flooring at Home Depot. The stuff is amazing– my local Walmart actually installed it recently on their floors. The stuff is beautiful and incredibly durable. It’s called “Trafficmaster Vinyl Plank flooring.” It installs in strips, like laminate flooring, but it has sticky tabs that make it stick together. When I re-do my kitchen, I’m using that stuff. It wil last forever, and be a breeze to maintain.

Well, that’s my take on what the talking heads are saying about kitchen trends. I’d really like to know what you think about all this. I read these “trends” lists with a skeptical eye, but I do wonder if it’s just me being too cheap, or do I really have a pulse on the average homeowner’s thoughts? Let me know!

Armed with the knowledge of a fugitive running around the area, driving into the city was kind of creepy. The streets were empty except for a few cars (crazy people who have to be at work so early in the morning!), and, believe it or not, quite a number of pedestrians on the sidewalks. After dropping my husband off at his workplace, I considered going back home through that same route. The curiosity was burning in me– what happened? Did the cops get their guy yet? What had he done? It was so tempting to go back there! But… I resisted. It would be dumb. And for all I knew, maybe the police would have the road blocked, and I’d wind up having to double-back and drive twice as far to get home again. So I went a different route. On the way, a police SUV passed me. We were the only two drivers on the road at that time. As he passed, the cop gave me a very close and uncomfortable inspection. Hey, officer, I didn’t do anything wrong!!! Why was he looking at me so funny?!

Later that morning when the news got rolling, I read that the police had locked down all the schools in the area and cancelled all activities, because they believed the fugitive was “armed and dangerous.” I just cannot imagine what it must be like to be a student in this day and age of lockdowns, shootings, and other terrors (not to mention the horror of living without universal health insurance! Oh the disgrace!). The cops even had police helicopters combing the area. Really, wow, those poor kids.

Well, I read in the news tonight that the cops (finally) got their guy this evening. It was a young man who had been wasting his life away at a bar last night, got into an argument, and stole a vehicle with an alleged shotgun in it. The jerk crashed the car on the road shortly before my husband and I passed by at 4:30am, and that’s where the police were looking. The guy was eventually discovered in another town, about 11 miles away.

Apparently, the guy has had some major problems with the law in the past: he and a gang beat up a woman earlier this year, and he was arrested for cocaine possession a few weeks ago. I am flabbergasted that he was walking free. Beat a woman and get off?? I hate to read about young people destroying their lives. Hopefully he will learn his lesson. I have a feeling he’s going to see some jail time with this.

On the news story online, the website allows for comments. Referring to the part where the cops were still searching and unable to find the fugitive, one guy commented, “they would have a better chance of capturing him if they let the hockey moms out after him.” ROFL! So I’m glad they caught him. And I’ve had enough excitement for the day!

I read in the news that a farmer from Ohio made a corn maze with Vice Presidential candidate Sarah Palin’s image. See for yourself!

A corn maze is made for people to walk around in, kind of like a country bumpkin rat race. I’ve never been in one, but I hope to do it someday. This one looks neat. The news story says it took eight hours to make Palin’s image in the cornfield. That’s it?!