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I often see advertisements promoting buying a home. 🏡

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A lot of friends and colleagues are buying one, and indeed I think it’s a good investment if you have a family and need a larger dwelling that you plan to stay in for a long time. Paying a mortgage is a good way to be forced to build wealth, but it’s certainly not the only way – low-cost index funds, retirement funds and certificates of deposits with automatic deposits are other ways to build wealth.

While rent is an expense that is forever gone, you have to live somewhere. But lower-rent apartments can be quite affordable, allowing you to save and invest elsewhere. Plus a small rented space is going to be cheaper to heat and light, and the benefits to having access to public transit to get to work and walk-able neighborhood rather than having a car. Costs like utilities, transportation, repairs, mortgage fees and interest are non-recoverable even if you own your own house. Indeed, running my own numbers, I can’t find a way I would gain wealth faster owning a home with all the related expenses before renting.

While I concede I’ll probably stick around in New York State for a while longer, maybe a decade or so, I just can’t see setting down roots locally. Albany doesn’t feel like my home, and I’m not interested in community or local politics. I want an opportunity to reboot my life at some point, try a new community on for a change. I’m also not that interested in owning a fancy house, I’d rather have more land and not a fancy house. And I don’t want land for purposes of profit to sell it, but to use it for homesteading, hunting, and wildlife observation — any building should be just ancillary to provide housing but need not be permanent or appreciating in value. 

Winky The Cat.

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The cat is blinking his left eye at you. I think he wants to turn left.

Prejudice

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The other day when I went to Walmart to pick up some supplies,🏪 I saw the clerk was a younger man, Caucasian with red hair. Somehow I had to react differently, viscerally to see a white clerk there – one who looked more like someone would work on a farm or on your car or repairing mechanical equipment.👨 I bet he owns a lot of guns, a four wheeler, likes bonfires and drinking beer. Probably lives out in country, maybe this is his second job to make ends meet and provide for his family. Certainly, cool guy to hang out with, a bro.

After I got back to my jacked up pickup truck, turned on engine, took a sigh, and realized how truly racist my attitudes were in the store.😐 Just because somebody is white or has red hair, doesn’t mean they’re any more of a decent person then an African American or Latino clerk. Certainly not all blacks are drug dealers who on the side work at Walmart to pretend to have a legitimate job. That’s just a terrible stereotype, often portrayed in the media. Many are not immigrants, many are not struggling to make ends meet.👬 Granted Walmart is famous for underpaying workers, but not every one there is a drug dealer or welfare queen.

Prejudice is a something I’ve struggled with for most of my adult life. 🚧I always have found it disconcerting to see an African American driving a pickup truck.🚛 Some how it violates my idea of the stereotype. It really kind of bothers me a lot, because I don’t think of myself as a racist or a bad person.😥 I don’t dislike people because of their race and would never intentionally treat a person differently based on their race. 🌐I think I should work to be more open minded and less prejudicial, but it’s hard to over-turn long-standing prejudices against the groups that different then myself.🗽