One of the reasons for the problem with both the quality of homebuilding and cost of homeownership is that homebuilding has been a publicly traded enterprise, which means they have held themselves to a commitment to the shareholders to "produce", whether there is truly a need for it or not. This translates to quantity, by any means necessary.
Instead, homebuilding is a craft that was meant to be known by a large percentage of the general population, and passed down within a family so that it could be done only as necessary by individuals and smaller, private builders. This relieves society of the massive burdens and obligations that come when there is a financial mandate to continually increase the number of homes.
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The foundation for a strong economy and middle class is not that of homebuilding or home purchasing, but agriculture. Efforts have been made in recent years not to teach students or to speak to the general public about the use of America's land, its sources of food or the process by which food is made available to the citizenry. The lack of exposure and knowledge regarding agriculture serves the aim of diminished interest and appreciation for it, which over time, leads to an ever-diminishing number of workers in the industry, and with the result being fewer small agricultural enterprises. The efforts of some to market Florida to anyone from anywhere, in virtually unlimited quantity reflects this ignorance, and the corresponding effort to rezone land that was intended for agricultural use serves the goal of centralizing of the food supply. It reduces the amount of land available for agricultural use in the future and makes both the general population and the supply itself more ...
High interest rates are much more beneficial to the ability to save than they are detrimental to the ability to purchase. This is because with purchasing, the consequences of higher rates only begin to apply when the person is making payments, and those payments are late. It is those very same rates that allow a person to either make such payments more easily, or pay the complete cost at one time. As a rule, it is foolish to make payments when it is at all avoidable, and in avoiding such payments, a person steers clear of the penalizing side of these rates. Thus low interest rates have enabled the lack of discipline and deliberation in making medium or large purchases when the people do not have the appropriate reserves, which serves to keep them poor and enslaved to debt.
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