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Getting Married – IV

07 Wednesday Sep 2022

Posted by webbywriter1 in dating, diet, FRIENDSHIP, marriage, romance

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Love Is:

1 Corinthians 12:31-13:8a A reading from the first Letter of Saint Paul to the Corinthians

Love is patient, love is kind. It is not jealous, is not pompous, it is not inflated, it is not rude, it does not seek its own interests, it is not quick-tempered, it does not brood over injury, it does not rejoice over wrongdoing but rejoices with the truth. It bears all things, believes all things, hopes all things, endures all things. Love never fails.

Meeting Mr. Right – The Five best places – good and bad

Meeting Mr. Right through friends: This can be a very good thing, often. It can also be….not so great. How many times have friends with good intentions insisted on setting you up with a friend? And, to accommodate your friend(s) and to keep everyone happy, you go along with the date(s) and have a smile frozen on your face the entire time. Then, try to explain to the well-intentioned friends, “He’s just not the one.” It seems like no matter what you say, it’s the wrong thing. He’s their friend, right?

What’s the answer?

Maybe, the answer is just a few words beforehand with your friend(s) that you agree to go. However, if things don’t click you will let them know and please, maybe, no hurt feelings? At least, aim for that.

Meeting Mr. Right at Work: This is often a great place to meet the right guy. Why? It’s a neutral backdrop, you are both usually on somewhat the same footing. You can have a sense of security that the individual has been vetted, to an extent. Still, that is not an iron clad guarantee that everyone you work with is a poster child for mental wellness and health.

Dating the boss: Wow! Hot potato, this one.

Can real love occur between the boss and the worker? Yes, it can happen. It can also be a case of infatuation, also hero worship, seeing the man at his best, in his best clothes, shoes, haircut, teeth brushed, with the professional face on. The same can be said for you – the best clothes, hair done, makeup on, best shoes, etc. When you feel the love bubbles coming up, take a moment to image the same man, just getting out of bed, sleep in his eyes, bad breath, rumpled clothes, unruly hair and maybe grumpy. Hold that mental image for a moment for a brief reality check.

Is he married?

Many men don’t wear wedding rings for whatever reason. Most women wear wedding rings in the US, although in some other countries, even women don’t wear wedding rings. Also, many men are really good at hiding the fact that they are married. Examples: no wedding ring, no pictures of her or them on the desk. Also, no conversation or comments about her or them. And, this can be particularly the case when they are speaking to a single woman.

So, now what? Probably if you have real feelings, I would suggest putting on the brakes before doing anything (sleeping together) and work at getting either transferred to some other unit or maybe another job. And if there is really something there, you need to have some meaningful conversations with this individual. You both need to discuss the issues and how to resolve them before things blow up and you (and he) end up as the center of cafeteria gossip.

Lastly, many companies, institutions have written guidelines about these situations. The end point being that one or two people could end up losing their jobs over this stuff. So, walk with care.

Meeting Mr. Right in Social Settings:

Meeting at church:

I go church every week. I frequently go on Saturday evenings because that lets me either sleep in on Sunday or to get out and go hiking before it gets hot.

Almost every week I see a threesome sitting ahead of me. Because I observe people, I quickly figured out that this is a mom and dad with their adult daughter. The daughter is the one I find the most interesting.

This young woman is in her twenties, somewhere, and resembles the mother very much. The mom and the daughter get up at the end of every service and do the collections together. Very commendable. Then the young lady sits down again with her parents and at the end of service, they all leave together.

Now, question. What chance does this young lady have to ever meet anyone when she is so glued to her parents? What is this about? A) try none and B) don’t really know.

If you are in your teens, it is perfectly understandable to sit with your parents. Maybe even on holidays like Christmas, High Holy Days, etc. But the rest of the time? Chart your own path – different church, different times, so on.

Going to church is often not enough. Get involved. Do go to coffee, do go to dinners and mixers. Do go on retreats and conferences. Engage in activities that allow you to do more than just say “Hello” and “Goodbye.” What else are you doing with your time? Watching the next series on Netflix?

Bars and Restaurants that serve alcohol:

Okay, drinking. Well, it is true that not every person who drinks in a bar is an alcoholic. There are people who go to bars to have fun and socialize. And, it is also not true that every marriage that had its start in a bar is doomed to failure. However; many people in bars and particularly, who are in bars on a regular basis, are alcoholic. Bars are their home away from home, maybe even their true home. If you find yourself out with the girls on a Friday night after work, looking to relax and unwind, it’s okay. But….is it every Friday night? Saturday night, Sunday night, Thursday? Now, this is what we start to call a pattern. For you.

If you suspect there may be a problem, get out a calendar and chart, for a month, all the days you seem to gravitate to bars and restaurants where you and your friends drink. If it is a really regular pattern, you are starting to swim in deep waters and the water will only start to get deeper.

Break up the pattern and find other things to do. If your friends only want to go ‘hang out’ at bars, maybe you need to find some new friends. When I was working in South Korea, I went out many Friday nights with a group of teachers. We’d end up in any one of a number of bars available in downtown. Even though I don’t drink, I would wake up on Saturday morning with a headache. The rest of the day I felt like I was swimming underwater. I can’t really explain it. Maybe it was all the cigarette smoke or just getting home at 2 am. Whatever, I just didn’t like how I felt the next day.

When I started to resist going out to bars Friday after Friday, my betsy teacher friend dropped me. What was that all about? Well, clearly, it wasn’t about me. I ended up hanging with another group of friends who were also non-drinkers. This group wanted to go out, eat somewhere and chat. In the end, I wound up having a much better time. And, no hang over and guilty feelings!

Lastly, if you feel like you just cannot resist the lure of the bright night lights and the call of the drink, you may want to think about that and evaluate just how big a chunk of your life this is taking. It might be time to talk to someone about it. And by someone, I don’t mean your mom or your girlfriend. They will just pat you on the arm and tell you not to worry. I mean someone who deals with addiction issues. There are lots of people and institutions like that in the phone book.

Dancing

Social dancing of all kinds is a really great way to meet new people. Generally, dance lessons at many places are group lessons and can be had for as little as $8 a lesson. You will need a pair of dance shoes (smooth soles) and a good attitude. You will be dancing with any number of instructors and students who have been dancing for many years, and will be a lot better than you. Don’t be discouraged, hang tough, keep coming back and you will improve.

It is an excellent way to meet new men and again, it is a ‘neutral’ setting (not yours and not his) and gives people a bit of social distance to decide if they have any real interest or not.

Gyms:

Gyms can be a great place to lift weights, take a swim, a sauna or take an aerobic dance class. They can also be good places to meet men. However, don’t go there just because you need a date. Gyms can get expensive and you don’t want to invest a bunch of money into something you are not really interested in. Find a sport or activity (swimming, tennis, racquetball, Zumba) that you like to do and pursue that. You are more likely to find like-minded people who share a common interest with you.

Online dating:

Well … It’s okay but not my favorite. Why? Have I done online dating? Yes, I have. And, don’t believe the rumors that Prince Harry met Meghan online, they were introduced through friends.

I have done online dating, and what have I learned? For starters, about 40% of men online are married and are looking to ‘fool around.’ Many men online are looking for quick, cheap (no strings attached) sex. There are men online who are not who/what they say they are. I have met any number of men who post photos of themselves taken twenty or thirty years previously. Then, you meet the man and think Is this even the same person? Online sites are notorious for spawning online money scams. I met such an individual: tall, good looking, French, engineer, hum….interesting. It was all interesting until he asked me for $500 to help bail out his daughter who was stranded somewhere.

These schemes are so common that they have made most of the magazines and periodicals. You would almost be better off with your Dungeons and Dragons nerdy Thursday group.

Other:

There are always other ways to meet people-male and female. John Lennon met Yoko Ono at an art gallery showing. You can met people in the grocery stores, at concerts, in the mall, in galleries, walking your dog, etc. One of the best ways to meet people that ensures a bit of light conversation are volunteer opportunities.

Last Thanksgiving, I volunteered to work at the Salvation Army dinner for two days. There were tons of guys working those shifts. Many were married, but not all of them. And, you are there together working for a common cause, the common good and it all feels right. It can also be a lot of fun!

Continued – Getting Closer

Getting Married – How do you rank?

05 Monday Sep 2022

Posted by webbywriter1 in dating, FRIENDSHIP, marriage, romance

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How do you rank in terms of age and not being married?

Estimated median age of Americans at their first wedding in the United States from 1998 to 2019, by sex:

 table  column chart

CharacteristicMenWomen
199826.725
199926.925.1
200026.825.1
200126.925.1
200226.925.3
200327.125.3
200427.425.3
200527.125.3
200627.525.5
200727.525.6
200827.625.9
200928.125.9
201028.226.1
201128.426.4
201228.626.6
20132926.6
201429.327
201529.227.1
201629.927.9
201729.928.1
201830.128.3
201930.328.4

Loading statistic…

Additional Information

© Statista 2022

file:///C:/Users/cwebb9/Desktop/%E2%80%A2%20Age%20of%20Americans%20at%20their%20first%20wedding%202019%20_%20Statista.html

So, it looks like both men and women are getting married at an older age every year!

Divorce Statistics by Religion

By Jennifer L. Betts

Catholic

According to research by the Pew Research Center, Catholics had one of the lowest incidences of divorce, with 19 percent having been divorced out of 4,752 interviewed. The Gospel Coalition noted there is a somewhat significant difference between those who are actively practicing Catholics and those who consider themselves nominally Catholic. The coalition found nominal Catholics are 5 percent less likely to divorce than non-religious persons, while Catholics who are actively practicing in their parishes are 31 percent less likely to get divorced than non-religious persons.

Protestant

The Pew Research Center found Protestant individuals (anyone who identified themselves as non-Catholic, but Christian) included 74% of all Christians, and had a divorce rate of approximately 51 percent out of a sampling of 4,752 individuals. However, these were broken down by Evangelical Protestant, Mainline Protestant, and Historically Black Protestant. Of this 74%, the highest number of divorces among this group were the Evangelical Protestants at 28 percent. The Historically Black Protestants had a divorce rate of only 9 percent according to the study.”

Mormon

Mormons had a divorce rate of about 1 percent. Many studies attribute the low divorce rate among this group to the strong emphasis on families and a powerful religious affiliation.

Muslim Divorce Rate

The most comprehensive study on divorce among Muslims was conducted in the 1990s by Dr. Ilyas Ba-Yunas, a professor of sociology at the State University of New York. According to his research, the divorce rate among American Muslims was slightly more than 31 percent. Top reasons for divorce among Muslims, cited by a later Sound Vision survey, include pressures and issues with in-laws, adultery and harem sex, and incompatibility. However, in 2018, the Pew Research Center listed Muslims having an 8 percent separated or divorced rate out of a sampling of 234.

Jewish Divorce Rates

The most recent available study on divorce statistics among those of Jewish faith states approximately 9 percent of those surveyed have been divorced or separated. A 2017 article in The Jerusalem Post reports the divorce rate among members of the Orthodox Jewish faith is on the rise. The reasons for this include changes in society’s values, the desire for instant gratification, and a disconnected world.

https://divorce.lovetoknow.com/Divorce_Statistics_by_Religion

The statistics are in-you want to get married and stay married? Find a guy who is active in his church.

The Top 5 Reasons for Divorce

  1. Infidelity. Cheating on your spouse not only breaks a vow—it breaks the trust in a relationship. …
  2. Lack of Intimacy. Physical intimacy is important in any romantic relationship, but it is essential to the growth of a long-term relationship. …
  3. Communication. …
  4. Money. …
  5. Addiction.

Feb 8, 2021

Top 5 Most Common Reasons for Divorce – Orshan, Spann …

https://www.orshanlaw.com

So, actually, the chances of meeting someone special are not usually through online dating sites. Most people met future spouses through friends, at a social gathering and either work or school. So, it helps to have friends!

Read more of Courtney’s writing in:
https://sites.google.com/view/webbywritercom/page-5?authuser=0
Also: Amazon/Kindle

Getting Married – Intuition

28 Sunday Aug 2022

Posted by webbywriter1 in Uncategorized

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Harnessing the N quality of your personality. The Intuitive part.

(https://www.16personalities.com/free-personality-test – a free test.)

Many of you have taken the Meyers-Briggs personality test. If so, you may have scored an N on your test which is a measure of your intuitive ability. Again, this is not a ‘mother’ quality, necessarily. Good mothers probably have a fair amount of this quality; however, so do gamblers, lawyers, negotiators, stock brokers, real estate agents, salespeople and general con artists. But, I am not suggesting that anyone become a con artist!!!! However, your intuitive skills and abilities are very important in inter-relationships with others, especially men.

Aagain, in relationships with men we frequently have to let go of the skills, abilities and go-to places that are so familiar. The Guide, the Counselor, the Helper, the Nurse and the Mother roles feel familiar and safe. Like a heavy winter coat, we need to take off that coat and bring forth other skills and abilities that are there, maybe latent, or underdeveloped. That said, we don’t have to stand naked and shivering in the cold light of day, there are other supports to be developed which we will discuss more in later chapters.

What is my job here if it not nurse, helper, guide, counselor and helpful Hannah?

What is my job in this dating game if it is not these familiar roles? Think of it like a light spring coat, in my mind, it is multi-colored with shades of green and other spring colors. You can imagine your coat anyway you want.

Your job is to listen and absorb information. Then to be open to your own feelings and reactions;, not to guide, counsel, improve, inform, redirect, help, the other person.  Your job is to take care of you. If you do establish a relationship, there may be time to be the helper, to an extent, but regardless, you should never act as the man’s mother unless you want an adult child on your hands.

So, you are having a conversation with a man and you think, I might be interested! You may find yourself slipping into a fantasy about the potential of the relationship with hearts and flowers, la-la-la. Give yourself a mental slap, get back into the now and pay attention to what he is saying.

What is he saying? Talking about the ex-wife, the ex-girlfriends, what happened in the relationship (s), relationships with parents, brothers, sisters, friends, co-workers and others? How does he feel about family, friends and work? Is he happy or unhappy? Is he successful or not, even in relationship according to his own value set. Success does not necessarily mean a big house and a fast car. A man may feel contented with an apartment or condo and a used car. If he is in a serene place with children, ex’s, family, job and his own body, he may a person with room in his life for a relationship.

Pushmi-Pullyu

They had no tail, but a head at each end, and sharp horns on each head. They were very shy and terribly hard to catch. The… men get most of their animals by sneaking up behind them while they are not looking. But you could not do this with the pushmi–pullyu — because no matter which way you came towards him, he was always facing you. [The Story of Doctor Dolittle](Lofting, 1920.)

Every relationship has push and pull components. You push, he pulls – he pushes and you pull. Your job is to use your intuitive self and your 6th sense to recognize these natural back and forth pulls in the relationship.

Particularly in the beginning of a possible relationship, you need to recognize the point at which the man either advances or he pulls away.

Wow! Oh, my God! He is pulling away! Hit the panic button and the red lights are flashing!!!!!! What now????????

Don’t chase.

The more you chase, the faster he will run the other direction. This is the time when you pull into yourself, center yourself, do your meditation and let go and relax.

How Can I Miss you if you Never Go Away? (1969) Dan Hicks and his Hot Licks.

We can utilize our intuitive sense to feel that the man is pulling away. We can be intuitive but we are not mind readers. We don’t know exactly what the man is thinking during this phase. Too often, as women, we conclude that it has something to do with us. We are too tall, too short, too fat, too skinny, too smart, too stupid, too educated or not educated enough, too rich or too poor. We are less than in some terms and that is why he is leaving.

Stop. You don’t know that and stop trying to figure it out. Refer back to the paragraph about men and their fears. The man may be reacting to the fears in his head and it may have little to do with you. However, that said, chasing after the man like a hungry carnivore looking for lunch will not dispel his fears. More the opposite.

What now?

Let go. Trust in whatever Higher Power that you believe in that things will work out the way they should. Relax and focus on you and not him.

This is the time to do You work and take your focus completely off him. Relax that grip you feel in both hands. Relationships are a process. You must let him process his feelings. He may like you, he may like spending time with you. However, like is not love. It can be the beginnings of love or not. He might like you, sense that you have feelings for him and pull away because he a) doesn’t want to lead you on or b) doesn’t want to get tangled up in a relationship, any relationship or c) he doesn’t love you, knows it and wants to cut his losses. Lastly, he may be confused about his feelings for you and distance can be the great clarifier. As he has distance, he is able to sort his feelings out and determine if he wants to reconnect or to disconnect. Either way, you are going to need to be accepting of his decision. The last thing you want is being trapped in a relationship with a man who feels trapped.

Allow the man time. He knows how to reach you. Let him reconnect, if that is what he wants on his own time schedule. If he doesn’t…oh well, sigh. If he does…whee! Imagine your surprise and delight when he re-enters your life and you didn’t have to do anything except sit there!

So, while you are contemplating your navel, feeling down and a little sorry for yourself, contemplate something else. How many times have you been pursued by men you had absolutely no interest in? And have they been relentless and obnoxious in their pursuit? Have you had to take steps to avoid certain men? All the time thinking to yourself, why is it always the ones I have no interest in?????? Maybe that is the point. Men frequently want the very thing they can’t have. The more you say no (and mean it) the harder they pursue.

So, are we playing games here? Not really. Games require work and effort instead of relaxing, letting go and allowing ‘the game’ to unfold without controlling, manipulating, coaxing, threatening, demanding, following, and all other activities that are so time consuming and fatiguing.

We let go and work on the Me inside.

Romantic you:

Your favorite movies are: The Proposal (Ryan Reynolds, Sandra Bullock), The Notebook (Sandra Bullock, Keanu Reeves), Somewhere in Time, and the list goes on. Your favorite books are all things: HEA (Happily Ever After), you wanted to be Cinderella when you were a kid, your favorite colors are pink or red, you love Valentine’s Day and Christmas (shades of red and pink).

You believe in happily ever after; however, it doesn’t quite seem to be coming true for you. Hmm. How can some women catch the brass ring and others not? What is the difference?

Sometimes it is luck. Sometimes timing. Sometimes, our pickers are a little bent and we tend to pick Mr. Wrong, again and again. Sigh. I want off this terrible merry-go-round she says. Is it possible? It is possible but it does take some work.

Meditation, friends, family, exercise, diet and having a life. Being the best you.

Skills and Hobbies

One of my favorite hobbies is social dancing. Unfortunately, due to Covid, most of us were not able to participate in this sport for some time. Gradually, as people become vaccinated, more people are returning to the dance floor.

I want to talk about one young lady who caught my eye several times. Young, in her twenties, she is not very tall, maybe 5’3” and slim. Not a pretty face either, one might describe it as ‘interesting,’ but certainly not beautiful. She dyed her hair a deep red color and usually spends a lot of time on the dance floor when she is there.

Why? This young lady is a very good dancer and makes a good dance partner. She has clearly been at it awhile and the men are pleased to dance with her. Now, has she gotten a husband/boyfriend off the dance floors? I have no idea. But I do know that she was having a lot of fun while in the studio and probably left feeling good about herself.

Isn’t that the point? Claiming the prize (a man) needs to stop being the all-encompassing motive for our activities. And, by the way, good for her!

The very opposite of that attitude is one held by a close friend of mine. A woman my age who has given up on diet and exercise. Again, why?

According to her, since she has given up on relationships (romantic) there is no need to exercise. Because, of course, the only reason ever exercise is to secure a man, right? My friend has steadily gained weight over the years and is miserable.

We all want relationships, otherwise, why read this book? However, the eye on the prize thinking has to change. We don’t get it together to get a man and then quit. (What is Mr. Wonderful going to think about us then?) We take responsibility for ourselves and our bodies and stop whining about it. Our lives and existence do not have to be, nor should be, all about ‘getting a man.’

Mr. Right/Mr. Wrong – Getting Married

21 Sunday Aug 2022

Posted by webbywriter1 in dating, FRIENDSHIP, marriage, romance

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Tags

romance

MEN – WHAT ARE THEY AFRAID OF?

“What is he afraid of?” I asked her.

“Everything,” she answered.

So, what are men afraid of? I will pull in some psychological data to demonstrate to you, dear reader, that men are actually afraid of many things. Research into the field indicates that men are actually much more controlled by the emotions of fear than are women. They feel fear more often than women, feel it in greater intensity and more often.

Are men afraid of women? Frequently the answer to that question is yes. Fear of what? Rejection, failure of the relationship, commitment, being taken to the cleaners by a woman, being used and primarily, being hurt. Men do not want to be hurt, especially ‘again’ if they have been hurt before. Why then is dating so ‘easy’ for the 19-23 year old group. A lot of it has to do with active hormones and energy levels, and a fair amount has to do with the fact that most people in this age group have never been married, never been divorced and never had long term relationships of any kind, married or unmarried. Because a guy is not divorced, does not necessarily mean he has not been in a (or several) long term relationships. We have certainly gone from a culture where all ‘respectable’ people got married to one where the social norms and rules for relationships have relaxed quite a bit.

All this means, to the uninitiated, is that public records of relationships may not exist for your current love interest. The best you may be able to do on that score is to listen to what he tells you about his past relationships. Also, pay attention to people that you know who know him and may have known him in the past. What do they have to say about him? Friends of friends can be invaluable sources of information. Does this mean you are checking out your current love interest for his past?

Yes, it does. And you should be. Past behavior is the best indicator of future actions.

So, keeping in mind that men are more fearful, especially of being hurt ‘again’ we can understand their more cautious and skittish behavior around women. When faced with cautious, colt-like behavior, being women, we frequently reboot to behaviors (roles) that are familiar to us. Such behaviors as: the Big Sister, the Nurse, the Confident, the Helper, the Guide and worst of all, Mom. The roles are familiar to us and also to men. They do recognize these attitudes/behaviors in women and do react to them. Frequently in a bad way, such as running fast in the opposite direction. So, what are the biggest fears if men in general?

The 5 Biggest Fears Of Men

1. Failing https://www.allprodad.com/the-5-biggest-fears-of-men/retreived Internet 2022

“Failure doesn’t define you; it’s just something we all experience on the way toward achieving goals.”

Why are we so afraid of failing? Are we afraid of living with the shame that comes with it, disappointing others or perhaps ourselves? Are we afraid of what it might reveal about us, namely that we have limitations that we’ll never get beyond? Perhaps we’re afraid failure will come to define us. 

2. Being Incompetent

We want to know that we have what it takes. We want to be useful, to feel needed. If we don’t have what it takes to accomplish a task, again, what does that say about us? That leads right into the next point. One of the triggers for this is when we lose our jobs and struggle to provide for our families. Know this, we all have certain talents. Find your talents and use them; pour into them in order to help others.

3. Being Weak (or Being Perceived as Weak)

For a man, being perceived as weak is probably as bad as actually being weak. And there is nothing worse, for a man, than being weak. Dr. Brene Brown says that the shame that comes from being perceived as weak keeps men from being vulnerable.

4. Being Irrelevant

We all want our lives to mean something when all is said and done. If you are struggling with this one I would suggest two things. First, find out what you do best and then use it to help others. People are in need of love and care and if you provide that to even one person, you will never be irrelevant.

5. Looking Foolish

“The more you step out and risk, the more you are going to misfire. But you will also have more success.”

This is that thing that keeps us from speaking up in meetings or taking on a challenge. Ultimately, it minimizes our impact in the world.

When fear grips you, remember this quote from Teddy Roosevelt and get in the arena:

“It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.”

…..

 So, recognizing that men in general are afraid of looking foolish, incompetent, weak it therefore follows that they won’t want to look ‘stupid’ in regards to affairs of the heart. So, as women, we need to ‘lighten things up’ and to stop heaping expectations and demands on the men in our lives.

Additionally, we need to drop the helper role. They are men after all and it is important to keep that uppermost in mind. If you want a perpetual child, get a puppy. If you want a man, you will need to learn to behave as a woman and not as an overgrown nanny – care taker. More on that in the next chapter.

Continued

More Rental Poverty

24 Sunday Jul 2022

Posted by webbywriter1 in Uncategorized

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I went out the other evening to do a spot of grocery shopping. There is a Dollar Tree store in this parking lot. As I pulled into the driveway, I paused and had to look again to be sure what I was seeing. There was a half naked man behind the Dollar Tree, using the side of the dumpster as a toilet. Then, he was trying to clean himself up with whatever he had available.

The emotions of surprise, shock, disgust all flood my mind. I went and got my items and drove out the same way. The man was still out there, doing what ever.

It is a black eye on our society where people are doing things like this public. This a middle-class neighborhood and I have never in my life seen things like this before. The homeless population grows by the day. The City refuses to fund public toilets because they ‘cost too much money.’ How much are things like this costing us in depreciating the value of our neighborhoods, creating filth, disease and mess that some unhappy worker will have to clean up?

The unemployment and housing crisis in this town is threatening to bring all of us to our knees. We need to address to cause of much of this. Covid of course is out there; however, the escalating cost of housing is outstripping most other problems. We need to try to grasp the fact that commercial real estate transactions have crippled our economy and that goes back to the recession on 2008. The fact that some people get rich while others go into the toilet is not helping. Why do you think that many extremely rich people are moving to New Zealand and remote islands off the coast of Africa? Maybe they remember their history lessons about the French Revolution and want to get out of the way. Here are more articles about the effects that commercial real estate have had and are having on our economy.

Domino Effect: Market Research

2017 – Andrew from DJA, Sacramento “…(we do) careful market research to deliver fair prices….in relation to the area.” (Retrieved from the Internet, 2022.)

What this phrase ‘careful market research’ means is that property management companies do market research for the area where their rentals are located. If you remember your statistics or math classes; the rental prices from a geographical area are gathered, (example – one bed room apartments,) the prices of all units are added and then divided by the total number of units to give the average market price for units in that zip code. This appears to be a fair system, until….one owner raises his price, then another does and another and, so on. In a domino effect, as more and more owners raise their prices, this same system therefore creates a rising average price. And this is whether or not the rise in prices is truly justified or not. For example, as seen in recently rising cost of gasoline and other inflationary costs.

Landlords are never required to give an accounting to their tenants for the increased rent and the reasons for it. They simply raise the rent and justify the cost with such market research tools that support their case.

An antidote to rising prices can be that potential renters, when they see a property that they like, when presented with the usual twenty page lease agreement containing endless Thou Shalt Not clauses, add one of their own stating “It is agreed between the parties that a rental increase of not more than (3-6%) shall attach each year.” When the rental company tells the potential renter ‘we can’t do that’ the renter can say, ‘and I can’t rent from you.’ If enough people did that, it would help curb the mad-dog escalating system that is now in place.

Recession of 2008

MARKETS  INTERNATIONAL MARKETS

The Great Recession

By 

THE INVESTOPEDIA TEAM

Updated May 26, 2022

Reviewed by 

MICHAEL J BOYLE

Fact checked by 

AMANDA BELLUCCO-CHATHAM

What Was the Great Recession?

The Great Recession was the sharp decline in economic activity during the late 2000s. It is considered the most significant downturn since the Great Depression. The term “Great Recession” applies to both the U.S. recession, officially lasting from December 2007 to June 2009, and the ensuing global recession in 2009.

The economic slump began when the U.S. housing market went from boom to bust, and large amounts of mortgage-backed securities (MBS) and derivatives lost significant value.

KEY TAKEAWAYS

  • The Great Recession refers to the economic downturn from 2007 to 2009 after the bursting of the U.S. housing bubble and the global financial crisis.
  • The Great Recession was the most severe economic recession in the United States since the Great Depression of the 1930s.
  • In response to the Great Recession, unprecedented fiscal, monetary, and regulatory policy was unleashed by federal authorities, which some, but not all, credit with the subsequent recovery.

Understanding the Great Recession

The term “Great Recession” is a play on the term “Great Depression”. An official depression occurred during the 1930s and featured a gross domestic product (GDP) decline of more than 10% and an unemployment rate that at one point reached 25%.

While no explicit criteria exist to differentiate a depression from a severe recession, there is a near consensus among economists that the downturn of the late-2000s, was not a depression. During the Great Recession, U.S. GDP declined by 0.3% in 2008 and 2.8% in 2009, while unemployment briefly reached 10%. However, the event is unquestionably the worst economic downturn in the intervening years.

https://www.investopedia.com/terms/g/great-recession.asp#:~:text=The%20credit%20markets%20that%20had,Bear%20Stearns%20in%20March%202008.

According to a 2011 report by the Financial Crisis Inquiry Commission, the Great Recession was avoidable. The appointees, which included six Democrats and four Republicans, cited several key contributing factors that they claimed led to the downturn.2

First, the report identified failure on the part of the government to regulate the financial industry. This failure to regulate included the Fed’s inability to curb toxic mortgage lending.

Next, there were too many financial firms taking on too much risk. The shadow banking system, which included investment firms, grew to rival the depository banking system but was not under the same scrutiny or regulation. When the shadow banking system failed, the outcome affected the flow of credit to consumers and businesses.3

Other causes identified in the report included excessive borrowing by consumers and corporations and lawmakers who were not able to fully understand the collapsing financial system. This created asset bubbles, especially in the housing market as mortgages were extended at low interest rates to unqualified borrowers who could not repay them. This caused housing prices to fall and left many other homeowners underwater. This, in turn, severely impacted the market for mortgage-backed securities (MBS) held by banks and other institutional investment companies.

______________________________________________________________________________

Conclusion: this country has gone through a fantastic financial drought caused primarily by the housing and mortgage lending industries. People have lost jobs, money, retirement funds, the where withal to live and some, their lives.

Once again, the tail that wags the dog, the commercial real estate industry is spreading its tentacles throughout this state. The end result will be systems in place that consistently raise the cost of living to the point it is unaffordable to the average person. People give up saving money, taking vacations, repairing their cars and teeth. The owners increase in wealth and power and exert increasing control and pressure on the economy. While sitting in their Cadillac Escalades, making appointments on cell phones that affect the lives of the ‘common people’ who they have neither a connect to nor any care for. Essential, the middle-class and our way of life rots under the heel of designer boots.

The solution to these problems is for individual cities to be given the authority to place a cap on the percent increase per year, allowed to landlords. An increase that is in line with the ordinary increases in salaries would be fair. Since most salaries increase per year by about 3 to 3.5%, so should rents. It is understandable that inflation this last year has out stripped those amounts, but why should renters be responsible for those numbers? An investment company with $20,000,000 in assets can better afford to take the ‘hit’ of inflation than the renter who has less than $2,000 in the bank. Pressure needs to be put on lawmakers in the State capital to make this a priority issue.

It is time to take back the economy from commercial real estate interests. This dog needs a muzzle.

7/17/22 cew

Roe vs Wade: The Worm Turns

28 Tuesday Jun 2022

Posted by webbywriter1 in dating, FRIENDSHIP, kids, marriage, romance, teenagers, Uncategorized

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ROE VS WADE: THE WORM TURNS

Thirty years ago when I was pregnant I was very amazed at the responses, unexpected, that I received from any number of people. I learned that in pregnancy, somehow the whole world seems to own you.

Firstly, I got a referral to an OBGYN from the medical board and went in for a visit. After suffering for 30 minutes with an older male doctor cracking jokes about sex and older women, I had to go to the counter and speak to the nurse. I did that, got my brochures and was told that “pregnancy was a disease” and I needed to treat it like that. Shocked, I rapidly found another doctor.

I was getting my hair cut at an inexpensive salon. The young man cutting my hair told me he thought I was too old to have a baby. I should have reported him to his boss, instead I changed salons. At an outdoor gathering/barbeque with ‘friends”, a friend advised me that ‘she knew someone who could help me out of my problem.’ I looked at her like the Angel of Death and quickly moved away. In addition to that remark, other ‘friends’ (mostly male) worked hard to make me feel ashamed and embarrassed about my condition. Because I was 38 years old and not 18 years old; I was not embarrassed, I got angry, finally.

Recently, when that baby turned 30 and got married, I was again faced with some similar comments. The baby, now a young lady, was engaged to a fella who got a job offer overseas. He could go but she couldn’t go unless they were married. So, the engagement was followed quickly by marriage.

I shared this good news with a ‘friend.’ Her first response was “Did she have to get married?” Unless you have lived under a rock for the last 50 years, you understand that translates into “Was she pregnant and they had to get married?” In other words, my daughter isn’t good enough to get a guy without being pregnant. A year and a half later, I’m still not a grandmother. I am also not talking to that ‘friend’ much  these days.

Since I’m the age that I am; I can remember the days before Roe and the days after Roe. I have known girls who ‘had to get married’ and I have known girls who gave up babies for adoption. In addition to that, I have known women who have gotten pregnant and have been ordered by husbands and boyfriends to get an abortion. I have known the ones who resisted the man’s wishes and said “No, I’m having this baby.” Also, those who buckled under the man’s pressure and got the abortion. Guess who, after all these years, are the happiest and the most unhappy? Spoiler alert, the women who stuck up for themselves and their babies are the happiest.

So, what does this all mean? After centuries of men having children whether they wanted to or not and often more children than they wanted; we have situations where men are not getting the children they want. Women are using birth control, the birth rate has dropped dramatically. Add in abortion rights, the number of unwanted children around has dropped to almost nothing. The worm has turned. Men are having to take responsibility for wanting to have children. They are having to ask, for the very first time ever, asking the woman to please carry their children. How different is that?

Famous couples that broke up over the child issue: Here are three very famous couples that broke up and then remarried, apparently over the child/childless issue. Bruce Springsteen and Julianne Phillips; they got a divorce when she wanted to focus on her career. He remarried Patti Scialfa and has three children now. Ryan Reynolds and Scarlett Johanssen, they got a divorce and he remarried Blake Lively and they have three children. Brad Pitt and Jennifer Aniston; they got a divorce, he remarried Angelina Joie. They have 3 adopted children and 3 natural children.

My feeling is that if there are 3 very famous couples who have broken up over this issue, there are probably hundreds and hundreds of other couples who have broken up over the very same issues.

For hundreds of years, girls who ‘got into trouble’ were sent away to homes for unwed mothers to have their babies and then shamed into giving their babies up for adoption. These numbers of unwed mothers and ‘unwanted’ babies, at least in this country, have dropped to almost zero. I personally know of couples who are unable to conceive. Couples who desperately want children and are faced with a country where ‘free’ babies are virtually impossible to find. I have seen couples suffer through fertility clinics, surrogate mother scams and painful adoption proceedings.

Roe v Wade will make a lot of people very unhappy. The one sector of our population who are heaving a secret sigh are married couples looking to adopt a baby. I don’t know, maybe the universe is calling out for more babies.

As a society we need to consider why it is that so many young women of childbearing ages don’t want to have children. Why? Is it just the cost? Well, the cost is of course part, but not all. Could it be that we are still caught up in the shame-blame cycles of shaming and blaming pregnant women for their ‘condition’? Do we ever consider that men (of all ages) use women to satisfy their sexual needs? Does it take two generations of women refusing to bear children for men to finally realize that, yes, they too want children? It’s like a thousand country western songs, you don’t know what you have until it’s gone.

Pregnancy is not a curse or a disease. It is a gift. A lot more people need to start thinking that way. If you don’t believe me, sit down and have a chat with a childless couple. If we supported women and their children more as a society more, maybe there wouldn’t be such a rush to the abortion clinics.

The end.

Cew 6/22

Commercial Real Estate and Big Business force out the Middle Class

25 Saturday Jun 2022

Posted by webbywriter1 in aging, exercise, homelessnes, Jobs and the workplace

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Commercial Real Estate and Big Business force out the Middle class in Arizona.

Why are Americans choosing to live overseas? Can small business survive Amazon and Walmart?

Can an employee afford to live here? Why are Americans moving overseas? This is a chart of the number (estimated) of US citizens living abroad.

CountryNumber of Americans (estimated)
Mexico799,000
Canada273,000
United Kingdom171,000
Germany153,000
Hong Kong]85,000
Australia117,000
Israel77,000
South Korea68,000
France62,000
Japan58,000
Spain57,000
Italy54,000
Philippines38,000
New Zealand36,000

14 Countries With the Most American Expats: Updated: 05/31/2022

Expat Guide

Over 8.7 million non-military Americans live overseas.

However, where do most of them live? Well, the answer may surprise you.

Countries With Most American Expats

First off, this chart won’t include U.S. military personnel. Moreover, since governments collect information on immigration in various ways, there’s no way to provide factual information about the number of American immigrants in each country.

The chart was sourced from the U.N. International Migrant Stock at Mid-Year by Sex and Region, Country or Area of Destination, and Origin.

What country has the most rich and poor? Is this what is happening in the US? Are we becoming the land of the rich and poor? Why does it take two armed Country Sheriffs to guard the local Walmart store during the day?

Top 10 Countries with the Highest Wealth Inequality (World Bank Gini index):

  1. South Africa – 63.0%
  2. Namibia – 59.1%
  3. Suriname – 57.9%
  4. Zambia – 57.1%
  5. Sao Tome and Principe – 56.3%
  6. Central African Republic – 56.2%
  7. Eswatini – 54.6%
  8. Mozambique – 54.0%
  9. Brazil – 53.4%
  10. Botswana – 53.3%

South Africa’s income inequality has become worse over the years. The top 1% of earners take home almost 20% of income and the top 10% take home 65%. That means that 90% of South African earners take home only 35% of all income. ________________________________________________________________________

China, India and the U. S. are projected to retain the top three rankings as the countries with the largest middle-class populations, according to World Data Lab. Slow or negative population growth in some advanced economies will lead to a shrinking middle class in countries like Japan, Germany, Italy and Poland.chart(World Data Lab – Bloomberg).

(Note: The WDL study uses 2011 dollars at purchasing power parity.)

First Published: Fri, September 03 2021. 06:36 IST

GDP = Gross Domestic Product

And PPP = Purchasing Power Parity (per capita/per person on average)

CountryGDP-PPP ($)
Luxembourg126,569
Ireland111,360
Singapore107,677
Qatar100,037
Switzerland78,112
United Arab Emirates74,245
Norway69,859
United States69,375
Macao SAR67,475
Brunei Darussalam65,675
San Marino65,446

As you can see, The GDO and PPP (Gross Domestic Product and Purchasing Power Parity of the US: is 50% of that of Luxemburg and Ireland! Are we gradually slipping behind?

Commercial Real Estate owners in AZ own 25% of all property, private owners, 18% and the Federal government 43%. People also ask: https://www.fs.fed.us/rm/boise/AWAE/labs/awae_flagstaff/watersheds/basics/management.html

Bottom of Form   Public Land Management and Land Ownership in Arizona   Public Land Management and Land Ownership in Arizona There are 72.9 million acres of land in Arizona. Approximately 12.9 million acres, or 18%, in Arizona are privately owned. Approximately 9.6 million acres in Arizona, or 13 %, are managed by the State of Arizona. Approximately 20.1 million acres in Arizona, or 27 %, are held in trust by the United State Government for native Americans. Approximately 30.3 million acres in Arizona, or 42 %, are owned by the citizens of the United States. These public lands are managed by the USDA Forest Service, the National Park Service, military organizations, and USDI Bureau of Land Management

Search Resultshttps://chamberbusinessnews.com/2022/03/23/bill-to-lower-arizona-commercial-property-tax-inches-closer-to-passage/ As rents skyrocket, commercial owners seek to pay less tax. The meteoric rise of homelessness is clearly linked, in part, to rising rent prices.

 “Arizona commercial property makes up roughly one-fifth of the property owned in the state, and yet we pay around one-third of the total cost incurred by property taxes,” said Tim Lawless, the president of CREED, Commercial Real-estate Executives for Economic Development .Mar 23, 2022

18% property privately owned

42 % owned by Federal government

25% commercial real estate

 85% of all property 

_________________________________________________________________________________________________________

Every resident in the state needs to know that commercial real estate investors are not your friends. They are not your neighbors, they won’t be your neighbors, it is unlikely they will ever live here. They don’t care about the city, the state, the wildlife or the schools. They are here for one reason only and that is to make money. They will then take the cash and live in very expensive and exclusive places (maybe New Zealand or some small island) and leave the residents to deal with homelessness, gangs and crime.

The residents of AZ need to curb the influx of commercial investors of properties that turn us all into the rental poor with no hope of ever buying a home. If the influx cannot be stopped (or we don’t want it to) the people of the state need to put a lid on the rapidly escalating % of rent increases that are happening all over the state. If this does not happen, the middle class drain out of the state will continue and increase. We will be left with a situation that is occurring in California where the cities are becoming composed of the rich, the poor and the gangs.

This state, much like what has happened in California, will not only become not affordable, it will become unlivable. I clearly recall a story told to me from a California transplant. She sold a nice home in Victorville for a loss because the homeless had become so aggressive around the grocery stores, middle-aged housewives were carrying guns in their purses. That is starting to happen here and we need to stop it.

Cew 7/22

U.S. Customs and Border Patrol Commissioner Pulled from Tucson Police.

19 Sunday Jun 2022

Posted by webbywriter1 in Uncategorized

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Senate approves Tucson police Chief Chris Magnus to take over as CBP Commissioner

Tucson City Council taps Deputy Chief Chad Kasmar to lead the city’s police department

Chris Magnus was approved by the Senate to become commissioner of U.S. Customs and Border Protection.(Cronkite News)

By KOLD News 13 Staff

Published: Dec. 7, 2021 at 4:22 PM MST

TUCSON, Ariz. (KOLD News 13) – In an 50-47 vote Tuesday, the Senate approved Tucson police Chief Chris Magnus to take over as commissioner of U.S. Customs and Border Protection.

Magnus was hired as TPD’s leader in 2016 when Roberto Villaseñor retired.

“I congratulate Chief Magnus on his appointment and am grateful for his dedicated service and contributions to our community. I look forward to working together with the Commissioner on key issues affecting Southern Arizona,” Tucson Mayor Regina Romero was quoted as saying in a news release.

As head of the TPD, he had more than 1,100 employees. As CBP commissioner, he will lead a 60,000-worker department.

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President Joe Biden in April nominated Magnus for the position, citing his “lengthy career” in law enforcement and experience working in a border state.

“In Tucson, Magnus implemented de-escalation training, sentinel event review processes, and programs to promote officer health and wellness. Because of Tucson’s proximity to the border, he has extensive experience in addressing immigration issues,” read a statement from the White House.

But the nomination was held up for months and things didn’t kick back up until early November.

Magnus has spent more than four decades working in public safety. He began working as a dispatcher and paramedic in his native Lansing, Michigan before becoming a sheriff’s deputy.

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He became chief of the Fargo Police Department in North Dakota in 1999 and took over as police chief in Richmond, California, in 2006.

The Tucson City Council on Tuesday, Dec. 7, unanimously approved Tucson Deputy Chief Chad Kasmar to take over as chief.(City of Tucson)

Also on Tuesday, the Tucson City Council unanimously approved the promotion of Deputy Chief Chad Kasmar to take over for Magnus. The position went into effect immediately.

“During his 21-year career at the Tucson Police Department, Chad Kasmar has earned the respect of our Tucson community as well as fellow officers. Chad has proven himself to be a collaborator who sees public safety through a holistic lens and shares my vision of Community Safety, Health, and Wellness,” Romero said.

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Kasmar has been a member of the Tucson Police Department since 2000, and was promoted to Deputy Chief in 2016.

He is a graduate of Amphitheater Public Schools and the University of Arizona and has spent time in several divisions with the TPD. Most recently, Kasmar served as the interim director at 911 Communications.

Romero says she will ask Kasmar to go on a “listening tour” with community members to further develop his goals for the department.

Copyright 2021 KOLD News 13. All rights reserved

________________________________________________________________

The world will be watching to see how this new command fairs with these never ending and contenscious border problems.

Cheating spouses

19 Sunday Jun 2022

Posted by webbywriter1 in marriage, romance

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Aberdeen News
5 things all unfaithful people regret after they cheat

Mariel Reimann

FamilyShare – marielreimann@yahoo.com  June 2, 2017

No matter how infidelity occurs, there are things that the cheater always regrets. Here are at least five things that these people regret after they have a romance outside of their marriage or relationship:

1. Not realizing what they had before

Cheaters are egocentric people who put their desires above anyone else’s. They have no problem putting everything on the line for something they want. No matter what sort of relationship they are in, they tend to find a new “target,” and go for it.

“I knew I loved her, but I had no idea how deep my feelings for her were when I decided to be unfaithful to her,” a 29-year-old man explains in an open letter to an infidelity specialist. People who are unfaithful regret not realizing how much they loved their partner.

2. Feeling like they need to be unfaithful to be wanted

People who cheat are egocentric, but behind the façade is great insecurity. This person is someone who previously used seduction as a tool to measure their acceptance. They lack confidence when they aren’t actively involved in a romantic “chase” for affection.

They dream of falling in love with someone and being able to stop feeling like they need to seduce someone to know their value. These people fall in love, but they have an innate “need” to know that they are still irresistible. This is when they start to feel tempted.

3. Not confessing their infidelity (or not being able to control it)

One of the most common traits in people who are unfaithful is that they think they can control everything. They think that if they cover it well enough, no one will see it.

In the previous letter to the infidelity specialist, the man explains, “I had almost completely forgotten about this event until one day, I was napping at my girlfriend’s house and she woke me by slapping me across the face.”

She had discovered his infidelity, and she wasn’t happy. After a while, they were able to resolve the issues and get back together, but her trust for him wasn’t the same as before.

4. What they’ve done will deprive them of freedom

People who cheat love freedom, and infidelity can be a way of using that freedom in their eyes. However, when one partner is unfaithful, the other will never give them the freedom or trust they once had.

This leads to future partners being unable to trust them, and leads to a life of imprisonment instead of freedom.

5. How much pain they caused their loved one because of their mistake

The chances of living happily ever after once an affair is discovered isn’t likely, but it’s possible. Statistics show that only 31% of marriages last after the affair has been discovered or admitted to.

People who are unfaithful to their partners regret causing their loved one so much pain and heartache. Even if the couple decides to stay together, it’s very hard for them to have a trust-based, happy relationship.

If you’re thinking about cheating, just don’t do it. You have everything to lose.

Mariel Reimann, FamilyShare

Mariel Reimann is the Content Director at KSL Latino. She’s studied law at the National University of Cordoba, currently resides in Salt Lake City, Utah. Email: mreimann@ksl.com

https://www.peoplelooker.com/blog/how-to-get-over-someone-cheating/

Rental Poverty

17 Friday Jun 2022

Posted by webbywriter1 in Jobs and the workplace, money, stress

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Rental Poverty 

How much of your monthly income should go to rent?

https://www.chase.com/personal/banking/education/budgeting-saving

In the days when I lived and worked in the LA area, I lived in ‘The Valley’ (San Fernando Valley) and commuted into the ‘city’ to attend meetings, hearings, speak with people, so on. Part of my beat was Beverly Hills, Century City, Belair, West Hollywood, etc. All the very exclusive areas. I mostly used the 405 freeway, sometimes the 101 and some side streets. The commute to the city would start before 8 am and the commute back from the city began at about 2 pm. In all this stop and go traffic, I began to observe certain things.

What I began to see (when I paid attention) was the large number of pickup trucks, driven by men, with various tool boxes and gear in the back. I would see the trucks going south in the am and see the same type of vehicles going back north in the pm. Back ‘north’ was the Valley and then further north, Santa Carita, Canyon Country and further north, Victorville. I began to realize that the middle class folks, to include the butchers, bakers, and candlestick makers, could not afford the ‘city’ and were migrating north to affordable housing. In that commute, they were taking their skills with them.

It appeared that the 45 minute to 2 hour drive (depending on the time of day) was adequately offset by their work compensation so, they kept doing it. I began to realize something else. In Beverly Hills and neighborhoods of the like kind, the people who could afford to live there were the rich, the people who cleaned their toilets and washed their cars. No one else.

What happens when the housing is so expensive that no amount of commuting will offset the cost? There are areas in California now like Oakland, Santa Cruz, places in the Silicon Valley, where the cost of living is so great, they cannot attract workers. I was at the swimming pool recently and a young man shared that he had just taken an engineering job in that area. I know that he must be making pretty good money, however, he indicated the price of rent was ‘eating his lunch.’ I wonder how long he will last?

Three and a half years ago I left California, my home state, to come to Arizona. It had become  impossible to live on retired pay plus part-time jobs with the cost of living. When I came here my rent was a comfortable 26% of my salary. Now in just 3.5 yrs, it has jumped to an uncomfortable 34% of my salary. During the same time period, my salary cola increases have been 3%. That plus the rising cost of gas, I am having to check the fridge to see if I have enough food.

Who does this benefit? Well, the landlords of course. But what happens when the cost of living drives out your middle class and you don’t have anyone to fix your expensive houses, expensive cars and teach your children. Who wins? Try no one.

Greed has its price. One that I don’t think our society has even begun to calculate.

Article: Chase Bank

Ideally, your monthly rent payments should leave you with enough money left over for bills, groceries, a bit of non-essential spending, and even savings. Here’s how you can figure out how much of your income should go towards your monthly rent.

What percentage of income should go to rent?

The 30% rule

A popular standard for budgeting rent is to follow is the 30% rule, where you spend a maximum of 30% of your monthly income before taxes (your gross income) on your rent. This has been a rule of thumb since 1981, when the government found that people who spent over 30% of their income on housing were “cost-burdened.“

Under 30%

The 30% rule is a general guideline that renters can follow, but they should also take into account other expenses and factors. For instance, if you have credit card debt or student loans to pay off, consider finding an apartment with rent below 30% of your monthly income, so you can put more of your budget toward reducing your debt.

Why you shouldn’t spend over 30% of your income on rent

If you have to spend over 30% per month on rent, you’ll have less money left over for bills and important purchases, making it more difficult to build savings. Make sure that your monthly rent payments don’t prevent you from paying off credit card debt or loans: your rent shouldn’t cause you to fall deeper in debt.

If 30% doesn’t work for you

The 30% rule does not always perfectly align with your budget. When determining how much you can reasonably pay in rent per month, there are some other things to consider before you say no.

Try the 50/30/20 rule

The 50/30/20 rule is a popular method to follow when determining your expenses in your monthly budget. The rule entails spending 50% of your monthly income on essential expenses such as rent, monthly bills, and groceries, spending 30% on non-essential purchases such as going out to eat, and putting 20% into your savings account. If your rent pushes above 30% of your gross income, by limiting your monthly bills, you may be able to keep rent + bills less than 50%.

Work down loans and debt

When you have considerable debt to pay each month, putting 30% of your income towards rent may still be too much. While finding a cheaper place to live can help you afford all of your essentials, consider working through debt reduction programs to shrink your monthly debt payments so you can put more money towards where you live.

Tidy up your spending habits

If you frequently eat out at restaurants, spend money on entertainment, or travel, consider how these expenses affect your monthly budget. If you would rather live in a more spacious apartment or more appealing neighborhood, cutting back on these extras can help you afford your new space.

Think about where you live

If you live in an expensive area, you may have to spend more than 30% of your monthly income on rent. To maintain a balance in your monthly budget, find ways to decrease your spending in other areas to live comfortably or find other areas to live in for less.

How to calculate 30% of your available income for rent

To find your gross monthly income, take a look at your most recent paycheck and find the line calling out “Gross Pay” (what you’re paid before taxes, health insurance, 401k, and any other benefits are removed from your pay).

Calculate your monthly Gross Pay

If you receive a paycheck every two weeks: Multiply your Gross Pay by 26 (to see your 52-week Gross Pay) then divide that number by 12 (to see your monthly Gross Pay).

If you receive a paycheck twice a month: Multiply your Gross Pay by 2 (to see your monthly Gross Pay).

Does 30% work for you?

If 30% of your Gross Pay is more than you’re currently paying each month in rent, then you’re at a safe level for housing. If 30% of your Gross Pay is less than your monthly rent, many financial professionals would suggest that you find a more affordable home

How to reduce your rent to 30% or less of your income

Split the rent with roommates

Sharing an apartment with roommates can help bring down the monthly rent costs per person. If you can find one or more roommates to comfortably share an apartment with, you immediately save a bit on your rent.

6/17/22 Courtney Webb

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