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1975
Well, OK - this picture was 1974... but you get the idea. It was a lifetime ago!
In 1975, I had a "vision" of where I wanted to be, later in life. Then - life happened... unfolding and showing me twists and turns I never imagined.
Perhaps I married too early.
Perhaps I matured too late.
A new family's needs always seemed to overshadow my goals and aspirations. I just saw my later years much more clearly in 1975, than I did as the subsequent 30 years passed.
What a geek I was back then. But at least I was skinny.
But I had ideas, and I had dreams. Time had cast them to the side of the road for a lot of years. Then, in 2001, after traversing the depths of hell, I returned to the place I called home for most of my life. Winding up being mom's care-giver as she grew frail beyond belief, I sojourned onward on my own "fix me crusade".
It's been six years since I returned. The 1975 vision of owning the home I grew up in has vanished. It's own "life" is ebbing in value and the ravages of time and deferred maintanance, combined with the accellerating interest of mom's reverse mortgage will make owning this home impossible and unmanagable, financially. I'll not dig myself a financial grave again. It's taken the past 8++ years to dig out this far. I'm on the threshhold of being debt free for the first time since 1977 and I won't return to that form of bondage.
Part of me is devistated. I wanted that house in the worst way.
Part of me is almost giddy with the thought of financial freedom. I hope to play upon the giddy part when it comes time to leave. I didn't want to move again. The cards dealt me a hand that makes moving a sane alternative. The burning question is: Where?
The last 2 weeks of hard winter has sure made the southwest very attractive. That, plus the economy being better out there. A region that is ALIVE and not crumbling into rusted death would be a good place to start over. I believe I will be doing that move completely alone, though - should it come to pass. My partner of almost 5 years will most likely be unable to move, and that too, will be sad.
The alternative is staying here and working in an area that is beyond the stench of death. With each decaying day that passes, greater Cleveland becomes more and more undesirable a place to live. The city itself is bringing down the values of the entire region and that too, becomes puzzling. After all, why buy a place that will be losing value as soon as title transfers?
Think I am exaggerating? NAR gave Ohio an overall 9% depreciation. OAMB claims 10% within the last couple years and between 10 and 30% decrease in values - state wide - over the next 3 years. (NAR = National Assn of Realtors; OAMB = Ohio Assn of Mortgage Brokers). Lenders have left Ohio over the newly passed SB185, an Ohio Law that pretty much destroyed Mortgage loans in Ohio.
Why stay in a state where the government is prohibitive for business? As a loan officer, it's pretty impossible to lend in Ohio any more. As a Realtor, it's difficult to get approved customers to show homes to, and then when they are allegedly "approved" it still takes weeks to get someone to sign off on it, because noone wants the responsibility of making a loan that the lender can't securitize.
I mean, really....
If you're in Real Estate - either as a realtor or as a broker...
WHY DO BUSINESS IN OHIO?