Showing posts with label housing. Show all posts
Showing posts with label housing. Show all posts
Thursday, July 22, 2010 2 comments

Helaman on Maintaining Possessions

But behold, our armies are small to maintain so great a number of cities and so great possessions. (Alma 58:32)
The context of this verse is one of war. Helaman the prophet-general is writing to Captain Moroni about his efforts to reconquer and maintain the cities and lands of the Nephites from the Lamanite armies. Helaman afterward asks for more men so that he can do it with greater ease. However, the concerns that he expresses about his army’s ability to maintain a large number of possessions and cities are immediately applicable in home organization.

Too many possessions

In the case of Helaman’s army, the number of cities that they had exceeded the capability of their army to protect. They could have split the army up and sent a mini-army to each city, but each mini-army would have been inadequate alone to protect against the innumerable Lamanite army. Likewise, to bounce between cities depending upon where the Lamanite army threat happened to appear would leave all the other cities unprotected if a second Lamanite army happened to come into the land.

In the case of home organization, we do not know where breakage will occur among our possessions. The more possessions we have, the thinner our attention and time is spread to enjoy them and the less money we can devote to maintaining each of them. For example, our family has a budget that we use for the purchase and repair of all forms of our transportation. We use it to care for two cars, two bikes, and one motor scooter. Recently we just bought a car and sold our oldest one because it was needing repairs more and more frequently and those repairs were increasing in cost. The frequent repairs were taking away from the amount that could be spent on our other car, which also was needing repairs more frequently. Further, the repair costs were drawing down our budget and slowing our saving toward a new car!

Through all of this, my husband has wanted to buy another scooter. I have not been supportive of this because our scooter needs repairs even more often than the oldest car, though scooter repair costs are about a third of a car’s. I see that if we have two scooters, we will essentially double the number of visits to the scooter repair shop and double the expense of scooter upkeep. I knew this would also make it harder to save for a new car.

Too great possessions

In the case of Helaman’s army, great possessions, though they are great, are not simple to protect. They are complex and require many different lines of defense. The more great and complex they are, the more manpower is required to maintain the same level of defense as something smaller and simpler. Large cities require more men for the same functions.

In the case of home organization, the more complex and elaborate our possessions, the more difficult it is to maintain them because there is a greater probability of one of the systems failing. Also, the day-to-day maintenance increases in size and scale so that it takes much more time and energy to do a simple task to the point that there won’t be as much energy left for the other tasks. For example, it takes a certain amount of time and energy to vacuum the carpet in a 2000 square foot house. It takes twice as much time and energy to vacuum the carpet in a 4000 square foot house. After vacuuming the 2000 square foot house, it is not so bad to go and clean the 2.5 bathrooms, but in the 4000 square foot house, after vacuuming twice as much carpet, there is much less energy left over for cleaning the 5 bathrooms. (Yes, larger houses have more bathrooms so that people still have only 30-40 feet to go to find a bathroom from wherever they are in the house.) (Disclosure: Our house is a little over 1000 square feet and only has 1 bathroom… and it still doesn’t get cleaned very often.)

Possessions in too many different locations.

In the case of Helaman and his army, the greater number of locations they had to protect, the thinner their time and energy would be spread, the more difficult it would be to remember what resources they had at each city, and the more they would spend their time traveling instead of actual fighting. If they left one city with plenty of piles of rocks to sling at the enemy, they wouldn’t be able to count on that being there if they had to return to save the city. (The inhabitants would have used those supplies up to a certain extent in trying to hold off a Lamanite invasion.)

In the case of home organization, if you have multiple homes, that means you have to stock that home with the basics of what you need when you get there, and essentially you have just doubled the number of stocking and cleaning tasks you will need to do. If you keep things at different locations besides your primary residence, you will tend to forget what you have and where it is—I know a woman who has this very problem—so you will increase the searching time it takes to find something, unless you can implement some kind of inventory tracking system. Travel time and expense becomes a consideration. (Disclosure: Our family does not own a second residence, but I have made these observations of those who do.)

On the scale of a single home, there has been a trend among organization experts to advocate buying multiples of what tends to get lost. For instance, they say that if the scissors tend to get lost, buy multiple pairs and you will never have to worry again because then you can place a pair everywhere you tend to need one and then they will always be there. I have found that this advice fails in an epic way to take into account the organizational skills (or lack thereof) of the person who complains they can’t find the scissors. I have seen this in action. The person is always using the scissors far away from wherever they are stored, and they never put them back when they are done. They may cut out their sewing patterns using the kitchen scissors in the living room and then shove the scissors out of sight under the couch. They next need scissors in the bedroom to clip some tags from clothes they bought, so they go to the den for scissors and when they are done, they leave them on the bedroom dresser. Then two days later, junior needs the scissors for a school project and can’t find them and everyone has to look for the scissors because none of the pairs are where they are supposed to be. (Alternately, you have one neat person trying to cope while surrounded with a family of messy people in which case they simply need to keep their stuff locked up in one place so they can always find it, otherwise it will always be carried off by the messies who always will want to use the neat person’s stuff because they never have to search for it first.) I have seen similar scenarios play out with reading glasses, writing implements, tape, screwdrivers, and flashlights, to name a few.

From another perspective, multiple things at home mean that space is unavailable for other stuff or other activities. The bigger these objects are, the more of a problem they cause. For instance, in our family, the computers end up in multiple places—den, living room, and dining room. That’s THREE places where computers are in our house. That’s far too many places. (I’m not even getting into why we have this many computers..)

Another example of this multiple-locations-for-things-at-home is that of TVs. Multiple TVs take up space that could be used in other ways. Also, it is impossible to monitor what everyone is watching all at the same time if there are multiple TVs (and/or computers) in multiple rooms in the house. This has some grave implications for the quality of media consumption in families.

In summary, having too many possessions, too complex possessions, and too scattered possessions makes it difficult to maintain them, whether for Book of Mormon armies or for us today. The important lesson we can learn from the above single verse is that it is important to limit our possessions to a number, complexity, and location that will make it easier for us to manage and maintain them.
Friday, November 20, 2009 0 comments

The Spiritual Perils of Going Through Foreclosure

Whether or not you have noticed, there is a movement among a number of people who say that if homeowners are underwater they should just walk away and allow their house to go into foreclosure to get out from underneath the debt. There are others who say that the homeowner should try to get a loan modification.

Please consider the article “How Banks View Loan Modifications.”

When I read this article, I was very disturbed that the writer seemed to say that a homeowner should not feel guilty and ashamed. The subtext seemed to be “The banks are trying to emotionally manipulate you to think that you are the bad guy, so get back at them by determining to not feel guilty about going through foreclosure.”

This is wrong on so many levels.

I know by sad experience (though not with foreclosure) that when a person makes a conscious decision to not feel sorry for something they have done wrong, they are deadening their conscience. It is refusing to sacrifice a broken heart and contrite spirit. Unless they realize what has happened and speedily repent, the Spirit will cease striving with them and they will become as the Nephites of old in Mormon’s day—good for nothing but to be hewn down and cast into the fire.

I can’t emphasize enough how DANGEROUS this spiritual state is.
Repenting of it requires:
  • Praying for forgiveness for the decision to not feel sorry
  • Praying for forgiveness for all other sins committed which caused the decision
  • Praying to overcome all temptation to shrink from the pain of a broken heart
I’m not talking about a few sporadic prayers. Constant prayer is required. It’s a very hard and painful process. You DON’T EVER want to go there.

Back to the foreclosure issue. Please don’t misunderstand me; I am not making any kind of judgment of people who have their house foreclosed. There are all kinds of ways people get into this predicament. I just want to point out the spiritual dangers and consequences of going through it. To not do what you promise to do in a contract is a sin, but there is a difference between deliberate delinquency and being forced into something by circumstances. Having nothing to pay is one thing, but deliberately withholding payment while possessing the means to pay is another.

Either way, the Atonement of Christ covers all sins and transgressions. God can forgive and God can provide. But of course we have to do everything in our power to avoid sin first.

If you happen to be getting the phone calls and letters from the banks that the article describes, realize that it amounts to spiritual abuse.
14 The Lord will enter into judgment with the ancients of his people, and the princes thereof: for ye have eaten up the vineyard; the spoil of the poor is in your houses.
15 What mean ye that ye beat my people to pieces, and grind the faces of the poor? saith the Lord God of hosts. (Isaiah 3:14-15)
Fortunately Christ has told us how we should act if we experience this type treatment.
43 ¶ Ye have heard that it hath been said, Thou shalt love thy neighbour, and hate thine enemy.
44 But I say unto you, Love your enemies, bless them that curse you, do good to them that hate you, and pray for them which despitefully use you, and persecute you;
45 That ye may be the children of your Father which is in heaven: for he maketh his sun to rise on the evil and on the good, and sendeth rain on the just and on the unjust.
46 For if ye love them which love you, what reward have ye? do not even the publicans the same?
47 And if ye salute your brethren only, what do ye more than others? do not even the publicans so? (Matthew 5:43-47)
By doing this, the unfortunate experience of foreclosure can be transformed from an embittering, confidence-destroying, and spiritually dangerous experience into a refiner’s fire that yields greater charity and a godly character.
Sunday, August 9, 2009 2 comments

House Hunting and Zeniff’s Over-zealousness

My husband and I have been renting since 2005. My husband really wants to buy a house. I’d like to buy too. We started looking at houses in December of 2008 but couldn’t find anything we really liked in a decent price range. So we decided to give it another year before we started looking again.

But our realtor still sends us emails of houses coming on the market. And we keep opening those emails.

On Friday I caved and asked to look at a particular house I had had my eye on—house #1. The realtor showed me three. All of them were disappointing. I actually liked house #2 better than house #1; it had a brand spankin' new upgraded kitchen and master bathroom. Too bad it also had three enormous roof leaks, interior water damage, and a certain parfum de mildew. I could fill a page describing all the things that were wrong in that house, and I could fill another page describing all the things that were right about that house. (I won’t subject you to these pages, though.) Yesterday I kept thinking about it, wondering if we should just cave and buy it and put in the money to get it fixed and livable.

Then, in my scripture study, I happened upon these verses. King Limhi is speaking.
21 And ye all are witnesses this day, that Zeniff, who was made king over this people, he being over-zealous to inherit the land of his fathers, therefore being deceived by the cunning and craftiness of king Laman, who having entered into a treaty with king Zeniff, and having yielded up into his hands the possessions of a part of the land, or even the city of Lehi-Nephi, and the city of Shilom; and the land round about—
22 And all this he did, for the sole purpose of bringing this people into subjection or into bondage. And behold, we at this time do pay tribute to the king of the Lamanites, to the amount of one half of our corn, and our barley, and even all our grain of every kind, and one half of the increase of our flocks and our herds; and even one half of all we have or possess the king of the Lamanites doth exact of us, or our lives. (Mosiah 7:21-22)
The thing that always gets me whenever I’m reading about Zeniff’s over-zealousness is how he could have possibly have been deceived by the Lamanite king. These are LAMANITES he’s treating with! These are the people who have historically sworn in their wrath to wipe out all things Nephite! Does anyone else think it’s a really REALLY bad idea to set up living quarters near Lamanites, or is it just me? I mean, come on! Surely we can all see the problems coming!

Zeniff was so excited about settling in at Lehi-Nephi that he minimized the seriousness of the Lamanites’ dangerously close proximity. He was willing to overlook that “minor” detail to get what he wanted.

Now, as I think about my house hunting in light of this story, I am not going to go so far as to say that our realtor is trying to enslave us with cunning and craftiness. (He’s LDS, after all, and he’s a really nice guy. (And he’s not paying me to say that.)) But it seems to me that if I want to be smarter than Zeniff, I should keep my zeal for home ownership in check before I do something foolish like minimize the problems that could result from buying a house with significant water damage. Something better will come along.
Thursday, December 11, 2008 2 comments

Famine watch. Also, my story about housing.

2 I have spread out my hands all the day unto a rebellious people, which walketh in a way that was not good, after their own thoughts;
3 A people that provoketh me to anger continually to my face….
6 Behold, it is written before me: I will not keep silence, but will recompense, even recompense into their bosom….
8 ¶ Thus saith the Lord, As the new wine is found in the cluster, and one saith, Destroy it not; for a blessing is in it: so will I do for my servants’ sakes, that I may not destroy them all.
9 And I will bring forth a seed out of Jacob, and out of Judah an inheritor of my mountains: and mine elect shall inherit it, and my servants shall dwell there.
11 ¶ But ye are they that forsake the Lord, that forget my holy mountain….
12 Therefore will I number you to the sword, and ye shall all bow down to the slaughter: because when I called, ye did not answer; when I spake, ye did not hear; but did evil before mine eyes, and did choose that wherein I delighted not.
13 Therefore thus saith the Lord God, Behold, my servants shall eat, but ye shall be hungry: behold, my servants shall drink, but ye shall be thirsty: behold, my servants shall rejoice, but ye shall be ashamed:
14 Behold, my servants shall sing for joy of heart, but ye shall cry for sorrow of heart, and shall howl for vexation of spirit. (Isaiah 65:2-3, 6, 8-9, 11-14)
This is a stiff prophecy of Isaiah’s and I have a feeling it is about to be fulfilled in our day, especially that part in verse 13 about hunger and thirst.

Have you noticed that oil prices have dropped by more than half? Good for us. So far. That’s taking away profit margin from oil companies. And demand has plummeted too. But those dropping prices… if they fall too far, then it becomes unprofitable for companies to remain in business, so they will close operations.

And the credit crisis. (Which I think is really a debt-default crisis causing a trust crisis.) Banks are making it really hard for companies to borrow money for their day-to-day operations. (And I don’t understand why businesses borrow money for the day-to-day expenses. That doesn’t sound like a very self-reliant model.) Banks are also making it hard for companies to borrow money to buy their inventory. (Buying inventory on credit doesn’t sound very smart to me either.) So if fewer people can buy inventory, then there will be less inventory and we will have shortages. When shippers, distributors, and other middlemen in the supply chain become unable to obtain credit to fund day-to-day operations, they will be forced to fold. When this happens to the farmers, food shippers, and grocery stores, we will have famine.

I’ve already read some news about farmers being unable to obtain loans to buy fertilizer. Hope you have your food storage.

And houses. When nobody has money for a down payment, no one is be able to buy a house. And when no one is able to buy, no one is able to sell. And if no one is able to sell, then no one can move between houses. So the price of houses will drop to practically nothing, forcing those who bought at higher prices upside down. Just as businesses walk away from a market when they can’t make a profit, homeowners walk away from a house that puts them in debt for more than it can fetch on the market. Of course, this is all pretty obvious to everyone now.

I remember back in 2004 and 2005 there were a lot of news stories that talked about the immense amount of debt that Americans were carrying. I remember wondering if anyone listened to those stories. They were a warning. I suppose they were easy to ignore; the consequences took several years to work through the whole system, and it is easy to ignore warnings and think they are too “alarmist” when the consequences don’t come immediately.

I suppose you’re wondering what my husband and I did during those boom years. Well, we had our own learning experience a little earlier. We bought a duplex in Austin, Texas a few months before September 11th. Austin was going through its own little real estate bubble at that time and we bought near the top of it. We were just married and we were eager to have our own home to live in. Yeah, we bought. Two mortgages, 80% and 10%, I think it was. And then September 11th happened and the economy tanked. And there was the “Tech Wreck” when technology stocks took a nosedive. Around 2005, we moved to Phoenix and we needed to sell our duplex. By that time Austin’s real estate bubble had popped. Somehow we managed to sell and we just barely broke even. (Talk about a miracle! Boy did we feel blessed that we got out of that!)

And we got to Phoenix just about when its housing bubble was close to the top, right at the time when prices were more than a little insane, right when it was hard to find any house with a For Sale sign in front of it that didn’t say “pending” or “sold”. And prices were much higher than they were in Austin, so.. we rented. We could have bought something out in the boondocks, but we didn’t want to drive for hours everyday to get to work or school. After experiencing the Austin-bubble-poppage, we were not excited about jumping into a repeat performance in Phoenix.

I think that at least one reason so many people bought houses was peer pressure. My husband remembers all the times his co-workers kept telling him, “You really should buy now; prices are only going to go higher. They’re never going to come down. They might stagnate for a while, but historically, home prices never drop.” (Sounds like a sick joke now, doesn't it?) Who knows how many times these conversations were duplicated across the city… or the nation? How many people caved and bought because of this?

We muddled through the pressure of all those flyers that were stuck in our door jamb. ("Why throw your money away when you can buy with no money down?! 6% interest rate! 4% interest rate! 3% interest rate for first 5 years!") We heard the stories about people buying houses and then selling them for an obscene profit a few months later. We read the stories of the people who sold their house in California for half a million and then bought in Arizona and retired. Sighhhhhh.

For a while I worked for a plumbing company in their estimating department. I saw all the house plans for all the new communities they plumbed. I heard about the numbers of houses being built. Do you know how hard it is to keep from buying a house when you are working in the construction industry?! People are always talking about buying or looking and about what options they want. One fellow I worked with liked to change his plumbing fixtures every so often for a new look. I’d wonder, When will it ever be our turn to buy?

Finally, I complained to the Lord about it. And I got a very strong impression that the day would come when we’d be able to get whatever kind of house we wanted for a song and that the Lord was going to squeeze people’s wallets so much that George Washington was going to scream. That gave me the courage to hang on longer.

We rented through the boom. We’ve saved money for a down payment. We’re starting to look at houses now. My husband really wants to buy. He dreams of a house around which he can plant a peach tree and a cara cara orange tree and get loads of fruit. I’d like fruit trees too, but I’m not ready to fully cast off my caution. Waiting through the boom years taught me something very valuable—it’s okay wait and save even when people say it’s crazy.

One thing I’m not sure about is when I’ll know that housing prices in Phoenix have hit “song” level. Actually, you know what I’d consider “song” level? A price so good that we could buy the house outright with no loan needed. Do you think I’m crazy? Maybe I am, maybe I’m not. I've seen the credit crunch squeeze George Washington. (I think it is still squeezing as I write.) "Song" level prices may be just around the corner.