Are You Afraid Of the Grass Being Greener On The Other Side?

November 20, 2008

“But what if mortgage rates drop next month…”, “I’d hate to pay too much for a home”, “I want to buy at the absolute bottom of the market…not a penny more!” “What if I buy now and then price go down again – I’ll be upside down within a few months!”

It’s human nature to want the best deal – the nicest house for your money – the lowest possible interest rate. But while caution may be good in choosing which stocks have good investment potential, many people lose sight of the fact that the primary reason for buying a home is to provide shelter for you and your family. Yes, I know that many have speculated in real estate over the last few years and cashed in on the escalating home prices. But those days are not these days.

Today your main motivation should be to find the best fit for your budget and your family. Does it really matter whether you pay 5% or 4% for a mortgage if you find a home that fits nicely into your conservative financial plan? Isn’t it more important to have a space for your daughter to practice the piano away from the noisy den than to have a cheap house with a floor plan that’s all wrong? Or wouldn’t you enjoy a beautiful shade tree in the back yard where you can hang a hammock more than a great deal on a home right next to a busy road?

Yes, there will be buyers who will buy at the lowest prices of the century and get a low mortgage too. But will they have the luxury of picking out a home that fits their needs, that nurtures their soul? Will they find a home that makes them go “Aaaaaah!” at the end of the day as they walk through the front door? Or will they merely use the space as a functional place to lay their head.

If you look to what makes a house a home, you’ll find that the grass is just as green, if not greener in a home chosen for love rather than money!

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Local Information for Hilo, HI

Latitude: 19.70552 -- Longitude: -155.085918

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Hilo is located at 19°42'20?N, 155°5'9?W (19.705520, -155.085918)GR1, the southernmost city in the United States. According to the United States Census Bureau, the Census-designated place (CDP) has a total area of 151.4 km² (58.4 mi²). 140.6 km² (54.3 mi²) of it is land and 10.7 km² (4.2 mi²) of it (7.10%) is water. Hilo's location on the eastern side of the island of Hawai‘i (windward relative to the trade winds) makes it the wettest city in the United States and one of the wettest cities in the world. An average of 129.19 inches (3281 mm) of rain falls on Hilo annually. Its location on the shore of the funnel-shaped Hilo Bay also makes it vulnerable to tsunamis. -- Source: Wikipedia.com

Hawaii 2000 Census Population Profile Map

	Hilo	Hawaii	United States
Population	40,759	1,211,537	281,421,906
Median age	38.6	36.2	35.3
Median age for Male	37.2	35.1	34
Median age for Female	39.8	37.4	36.5
Households	14,577	403,240	105,480,101
Household population	39,368	1,175,755	273,643,273
Average household size	2.7	2.92	2.59
Families	10,105	287,068	71,787,347
Average family size	3.19	3.42	3.14
Housing units	16,026	460,542	115,904,641
Occupied units	14,577	403,240	105,480,101
Vacant units	1,449	57,302	10,424,540

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