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租屋者 比有屋者快樂
Reasons Why Some Renters Are Happier than Homeowners
money.allwomens
There are many reasons why renters are happier then homeowners. Of course, this does not apply to all renters. Homeownership is the American dream, and many people hope to achieve this goal. Renters stuck living in another person's property may feel that homeowners enjoy the ultimate freedom. However, here are seven reasons why renters are happier than homeowners.
1. They Didn't Empty Their Savings to Buy a House
The fact that they didn't wipe out their savings to acquire a home is one of the reasons why renters are happier than homeowners. Buying a house is expensive. You have to pay at least 3.5% down, plus 2% to 5% for closing costs. For renters, there's only the expense of a security deposit and the rental application. Therefore, they can find a suitable house for their family and maintain their cash reserves.
2. They Don’t Have a Mortgage Hanging over Their Head
Homeownership offers a sense of stability. But at the same time, if you need to move for work or other reasons, it's not easy to pick up and leave. You have to deal with selling the house, which can take months depending on your market. The entire process is exhausting, and potential buyers may request extras, such as new windows, new carpet and other updates.
3. They Don't Have to Worry about Foreclosures
Renters experience financial hardships just like homeowners. But unlike homeowners, renters can usually get from under a costly house payment easier. Renters can move as soon as their lease expires, or they can work with the landlord to get out of the lease early. For homeowners, the only solution to payment problems is selling the home before defaulting on the mortgage — and selling can take months.
4. They Don’t Have to Worry about Home Repairs
Talk to any homeowner and they’ll say that home repairs are costly burdens. The water heater can break, another appliance may need replacing, plus homeowners have to constantly maintain other areas of the property. This isn't the case for renters. If there’s a problem, they simply make a call to the landlord.
有錢人 超節省
Warren Buffett has a bizarre, penny-pinching breakfast ritual
Catey Hill news.com.au
WARREN Buffett is worth more than $90 billion ($US70 billion), but he often doesn’t act like it — and neither do many other affluent Americans.
The documentary Becoming Warren Buffett that aired recently on HBO shows Buffett, the chief executive of Berkshire Hathaway, eating breakfast each day at McDonald’s. Each morning, he asks his wife to set out $US2.61, $US2.95 or $US3.17, which determines which breakfast he gets.
“When I’m not feeling quite so prosperous, I might go with the $2.61, which is two sausage patties, and then I put them together and pour myself a Coke,” he says in the film. He also still lives in the five-bedroom home he bought for just over $US30,000 in 1958 in Omaha (roughly $US246,000 in today’s terms, or around $320,000 in Australian currency).
He’s not the only rich person behaving like this.
“Rich people don’t get rich by spending it all,” says Pam Danziger, a researcher focused on the affluent market and founder of Unity Marketing, which helps brands better connect with affluent consumers. “They know better than anyone that by being careful shoppers, they can achieve a lifestyle several rungs up the income ladder.”
There are myriad reasons that many affluent people are, well, cheap. Some of them are self-made and have spent many years before they were rich being thrifty. “Thriftiness is habit-forming,” says Scott Tucker, president and founder of financial firm Scott Tucker Solutions in Chicago.
Others fear that their wealth isn’t permanent, so they don’t spend a lot of their money. This is particularly true of the top 10 per cent of the income spectrum, according to the 2015 Survey of Affluence and Wealth by research and polling firm YouGov.
“The resourcefulness, financial independence and spending constraints that arose from the fear of the recession are now enduring attitudes of family financial management,” the study authors write.
During the recession, like many Americans, “fear drove them to step up their savings, cut spending, and retool their household budgets, and to become more resourceful and independent when evaluating and making significant purchases. Over time, panic has given way to confidently applying these practices to their purchasing habits.”
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