Tag Archives: Post-Structuralism

How everyone is making a killing off of Millennials in the 2017 housing market, here is my plight

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A screenshot of the 2017 housing market, Twin Cities, MN. 

Twin Cities, MN —In recent weeks, through home searches, online and afoot, as a Millennial, I have become obsessed and mentally defeated by the prospect of buying a house to call my home.

My seemingly novel never-to-end socioeconomical crusade has taken place in a seething market that has been nothing short of aggressively “seller’s”, as those in the know dub it, and one that might be the figurative death of me financially.  And the wheels keep turning, the lights don’t go off at keep looking.

From my semi-consummate home search I have learned a number of very important things for those searching. Mostly that it is a difficult task buying a house in this market, in this year, 2017.  Yet I have no other reference.  And two, perhaps, that everyone is making money off of Millennials in this housing market, a lot of money.

And here in my own wordy words–which I hope are unbiased and as objective as possible–from a post-modern interpretation, which may not be possible–I offer you something of my experience.  I hope this helps inspire you and build your confidence in your endeavors, if not simply to allot an entity of an easy target for you to blame your failed searches on.

Let’s jump right in, when searching for a house in the Twin Cities one will notice that houses leave the market shortly after they are put on the market. (So, be prepared.  Get pre-approved, because if you are only pre-qualified your offer means dick and you have no edge.)  These home listings are a magic trick in reality; in the best locations performed, a home that you love in your price range is gone!  Abracadabra!  Search the same home listing you descried yesterday and the once “for sale” designation will be in “active contingent”.  Strike one, bummer dude…

This means your prospect home is off the market fast, post-haste, nowish, and it is no longer for sale to you. Feels good, don’t it?  Most times, in 24 hours your new home will morph into someone with money’s home.  Better up the price on your range, boss, or search a new area entirely.

If your ideal search area is anywhere near a nice neighborhood in the Twin Cities, or in proximity to efficient transit (say, the Green Line, a decent/good bus route) there is no hope. Your home search might commence like JFK’s secret service in Dallas, the opposite of well.  Rental agency want your ideal and your cash, and they have amassed money.  It’s called dollar bills and they are on fire in their trousers for something you like.  Because there are thousands out there like you ready to pay high rents and not buy especially in the metro area.  Good deal!

That seems like round one for my home search.  And obvious after the fact.  All that, and I still put my feet on the ground and went.  I started to notice that realtors were driving the prices by saying in effect that you must get on the train ere it is leaving the station, once it get’s moving you won’t get on. Juicing seems right, sort of emotional about it. Still it went, nothing short of impossible, in a bubble, as MPR has suggested.  And now realizing that the ones that get OK’d by FHA cost more, they must be decent!  Never in a good area.

I will say this, from seeing it firsthand, one of the main reasons the prices of homes are driven up is because of those in control of the market, the ones with the documents nd the keys to show the listings.  These are the people behind the curtains twisting the levers.  FHA restrictions, thorough inspections, the flood of those looking to buy, these are great sales pitches for price increases.  I want in.  Of course location, quality, and size are also important, but that is a side note from the real estate industry marketing.

Throw in pre-closing costs, underwriting costs, appraisals costs, closing costs,and you have an industry that depends on these houses moving and to the highest bidder.  I write for free, mostly, this underwriting mortgages sounds nice!  To give you a feel, I have spent $2500 so far and I don’t have a house, and I borrowed money for a down payment, and nothing is certain until it is.

To me, the whole housing market scheme is to make money, naturally.  That is no surprise.  But how aggressive.  And the higher the price, the higher all will make in the end.  Let’s not forget, we must pay the realtor for finding the house and pay his buddies to tell you whatnot about the property.  They don’t just want to hang out with us in a strangers home.  Everyone get’s a cut; the higher the price of the house, the better for those involved save the ambitious buyers.

The other reason that houses in the Twin Cities are so expensive and going so fast is surely because the market is flooded with property management companies looking to buy houses cheap, with their vested agencies and commanding authority, and turn them into ad hoc rentals.  Also, to note, flippers are prevalent too.  Renting makes money.  Flipping might make money.  And the renters pay the the owner’s equity unawares.  it could be yours.  And perhaps flippers do cheap obvious work, shoddy.

Not only does buying property for rentals drown out first time homebuyers looking for an inexpensive starter home, it can lead to devaluation of the community, surrounding properties, and areas in which they are in, that’s redundant of me.  But you get the point, it’s an opinion.  Try living next to a rental home; you never know who your neighbors will be next year, every year.  I might be a good neighbor who likes to trim his grass weekly, or I might not.  Maybe I like to party and you like to go to sleep at 7 PM on the weekends because you are tired.  We live next door.  I don’t care… etc. 

All that said, we live in a capitalistic society where sleeping and partying and property management and home ownership are real… I think of French in The Departed, “… This is America, make more money, if you don’t make money you’re a douche bag…”  I am not complaining, I am just letting you know what I have seen.  That’s it, everyone is out there to make money.  Millennials are getting killed in the market by Generation X and Baby boomers and foreigners with money, and by everyone else too.

There is still hope though.  Apparently winning and getting a house in this market really depends on picking an area that will be good in the future, not picking in a good area now.  Grow a vision.  Get your brain to work better.  Become a psychic.  Things change, areas get better.  I was told about Grand Ave. in St Paul.  Imagine it ten years ago.  It wasn’t like it is today.  Beautiful.  So maybe North Minneapolis, far North, will be good in ten years.

This motivation to switch my demanding search area preference might work out actually, though we haven’t closed on the deal yet.  I have seen some promise, less bidding and more realistic prices.  I saw inspiration for this location change in a comments section of one of the numerous “house bubble” articles I read about some crybabies being sad about the housing market because wah!

Let me preface by saying I am not sad, I am jaded.  The commentor remarked that the market wasn’t as bad as people made it out to be, and that those looking (as he dubbed, and I quote, the “white hipster dorks” of the Twin Cities) just wanted to live in unrealistic areas that were trendy and expensive right now.  They wouldn’t even think about buying in North Minneapolis or in East St Paul because they were basically scared, or craven.

I rather became obsessed with that title “white hipster dork”, it’s hilarious and exact, and this fear about living in certain areas we pervade only having merely heard stories about, legends, tales, beliefs, lies, etc., it means a lot to me having read Moby-Dick unironically twice.  I kind of put that label and its baggage on myself and thought of how I didn’t want to be motivated by fear, I am no WHD, as this great muse said.

Why not?  Things change.  Areas become safer.  Neighbors make neighborhoods.  Homes and properties gain value elsewhere.  The sun also rises in the north and in the east.  People say bad things about me and it might not be true.  Everything became so topical and relevant.  Find a house I want in size, in quality, in feel that I like and not worry about the area at first.  Not be a wimp or motivated by portent fancies.

Becoming so fed up from what I had heard about safety, about bus routes, about price and what we should have and shouldn’t–what others want for us, what we don’t want, I thought on and kept thinking.  I don’t tell you what to do, don’t tell me what to do.  Maybe I recommend boxers and you recommend briefs; I don’t want to wear the underwear you pick for me, and vice versa.

I came to the most logical conclusion that the safest place to buy a home in Minneapolis is La Crescent, MN.  The safest place to buy a home in East St Paul is Hudson, WI.  (Though, I am no good at geometry, so forgive me about the locational inadequacies.)  I wanted to know what everyone thought about the commute and how safe it was to live there, so I could pretend I cared.  I usually make decisions for myself, usually.

But I won’t move there yet.  No, but I have lived there and it is nice, La Crescent.  May retire there later on.  Most likely will move to the most northern part of North Minneapolis and become better at DIY home security.

Though, I will live in a house more our speed.  I don’t want to live in a house that is cheaply redone by flippers–the kitchens all look the same–in an area that will turn to shit later.  Same soon-to-be dated backsplash in the same small kitchen with the same cheap craftsmanship looking tacky.

I’ll take the original 1949, untouched, nothing done to, rambler style, ready to have the carpet torn out of.  It’s that old.  So I can make it my own.  Do something better than what everyone else is doing.  I don’t care about trendy.  Like buying a house in a great neighborhood today.  Accordingly, while I do the repairs, I will think of how it has come to this and blame only myself.  The other area will fail.  No one else did it for me.  These briefs do wonders for my thighs.  Go fish.

In my exact experience, FHA will require an appraisal, that costs money.  I have done two home inspections at average cost of $400 each, and one radon test, at $125, these cost money.  A lease must be resigned by June 1st, by birthday, rather resigned, this might cost money.

Moreover, if we don’t get lender approved because of a bad appraisal or because of our financial situation, we lose both our rental and the prospect home and become homeless, this probably costs money.  If it get’s approved we have to repair the paint on the house before closing date, which gives us a week, and pay an extra $100, only to have more costs incurred.

So all in all, things are looking up.  Never been happier about being where I am.  Maybe won’t rent again.  Maybe have my own place.  Those are the prospects from someone who has been diligently going after their dreams, the American dream: own a home.  I know more about how bad my math is than ever before.  I read about 28/36 and I am not sure if we qualify.  It might happen and the edge might get taken off.  Or not.  Got to go forward, right?

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Thank you for reading my piece.  Leave a comment.  I would appreciate it.  Also, thanks in advance for sharing my story.  I love writing!  TS_

 

Ghost Dance (1983) – Ken McMullen

Skewed Argument

‘There is no right to be offended’; The Similarities in Groups

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“Of course, that’s true. Moral and cultural relativism is a very dangerous phenomenon. What you routinely hear from some extremist Muslim pundits, whether religious or political, is a discourse that is anti-Semitic, homophobic, misogynistic. The same Leftists would not tolerate that coming from any other group. But somehow people turn a blind eye to it because it is coming from this group.” -Salman Rushdie

This passage in particular, although the entire article is well written, sticks out to me as extremely powerful and poignantly relevant to American society today.  I feel that in America this hasty generalization also exists between race, political, and gender groups, and there is no end to the propagation of oppressive institutions by their moral movements.  These acts, prejudices, assumptions, create and ignite a new brand of hatred and separation between a group of individuals that should be united as one, come together to resolve–that is not so different.  I feel that any progress to resolve such conflicts is squelched by the use of stereotypical labels, afforded by those, individuals or groups, who feel slighted, wrong, or subjected to injustice.  The characteristics, actions, and makeup of one person within a group does not absolutely define the group as a whole entirely, no matter which other group suggests this as fact.  In order to work for a positive and peaceful future as one, we must stop using hateful tools of the past in order to create anew, all of us.

Some people are too focused on the differences to see the similarities.

See Article: “There is no right to be offended”

The New English Ideology; Derrida and Post-Structuralism

What do we “know” about Adrian Peterson?

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ABC News: Minnesota Vikings Reverse Course, Suspend Adrian Peterson

In the early hours of the morning there was a surprise which took place in Viking’s Territory, or possibly New Jersey- wherever Zygi Wilf claimed as his at the time. Part of that surprise was Adrian Peterson, not surprisingly, being taken off of the Viking’s roster for Sunday’s game. The more surprising bit of information came from a mega organization making quick decisions, reversing said decision, on account of fiscal security, and what seems nothing more.

I wonder, is the child okay? Where is the child now? I hear AP is off the team, sponsors are dropping like flies, but little mention of anything else, except… there is more to come.

We sit here today, with our fantasy teams in disarray. My fantasy lifeblood has run out. This musical chairs game (with players) has me scrolling webpages for something more, for something better. Why do I do this? Because money makes me, even though I have little (well, all Minnesota taxpayer’s have stake in the new Viking’s stadium) invested in the actual game. This is a story about child abuse, due process, and motives of discussion, not a star player or his situation, mostly.

What has become apparent is we “know” what we believe we “know”, not what is objectively true. This is called interpretation. See: Post-Structuralism; and the Modern Episteme. We interpret from “reliable media sources” what we think we “know”. What we really “know” to be true about this matter is: child abuse is unacceptable and wrong, we are not judge or jury or executioner, American citizens are innocent until proven guilty, and we personally don’t “know” Adrian Peterson as a person at all. Sure, we cheer for him on Sundays to win for our “favorite” team (which every partially-sane politician in Minnesota seeking office has regurgitated in the last week, to ad nauseam), but we don’t “know” him know him.

We can all rest easy “knowing” that we won’t actually be embarrassed for what another person does, even if they are from Minnesota i.e. Michelle Bachmann. We can rest easy because we actually don’t “know” what happened, and WE won’t be guilty of said crimes- if it actually occurred in the first place; which it may or may not have: it’s 50/50 so far, in fairness.

Furthermore, I am moderately embarrassed about the latter person, who says the most hateful things of the president and his organization. I guess I am sort of not embarrassed; she doesn’t owe me anything, and if I hear something stupid coming from her I can change the channel, same as with the former, likewise the actions of both parties. I can ignore those. I am not an escapist, just a selective-perceptionist.

What we “know” is that we all have choices. We can choose to label Peterson whatever we want, and Michelle Bachmann whatever we want, and more. Adrian Peterson can choose to make poor decisions. The beauty of being a human being is we have the power to choose, like professional athletes and politicians, everyone makes mistakes (I am not an Adrian Peterson apologist either). We can make up our minds. Unlike other cases that are ongoing now, Ray Rice, we have no video proof (we do have photos; photo-shop pending), we have no agency over the matter, and we have no lot in what becomes of him or her. We have nothing to choose on. We can all agree that abuse is wrong. But we can’t really do anything else until we “know” more. Perhaps events transpire. Child abuse is wrong, but so is labeling a person as guilty when they may or may not be.
I mean, who actually decides that, passes down the conviction, and does the sentencing? Does this media attention skew the fairness of the trial?

I was watching the Crucible last night and realized that if a crazy person, or crazy organizations, or massively crazy corporations, or insane groups of people says anything about anyone, and agrees on it, it is dangerous. We all “know” what happened to Winona Ryder at the end of that movie. Damn…

What this actually boils down to is my fantasy football team. This whole ordeal with Adrian Peterson was the Providence of God (I use this in the John Winthrop-esque way). I had never played fantasy football before, while Adrian had been a spotless star, with a promising career. This all changed after I drafted him onto my fantasy team, everything changed. The first Sunday he would play for me, he would move up the field with tepid charisma, something had affected his ability. I watched myself sink into last place in standings, everyone laughed. I thought what could this be? And then, mid-week, it came to me via one of my ten-thousand checks of the ESPN fantasy page, it was all over my cellphone, and had become the hot button topic on Facebook: Adrian was indicted on these alleged abuses. I rest my case. Does anyone know what alleged means? It means: “(of an incident or a person) said, without proof, to have taken place or to have a specified illegal or undesirable quality.”

The aspect of football that proves scary in this case is the amount of money the owners and commissioners are willing to move and secure at any time, in any event; if shit goes bad for them personally. It’s not about the fans, but the money, the face value. They will forget their favorite players to save their financial situation; last week’s hero is today’s forgotten and exiled. Has anyone thought of the external cost of the NFL as a whole? Can we point fingers to how many concussed veteran athletes assaulted their loved ones due to trauma caused in career related injuries? I am not sure, I don’t know-

What I hear more about than anything in this case is lost sponsorships, not the kids, but the money. I think of Lance Armstrong finally admitting, well- not really, that he was doping… Gatorade dropped him, Livestrong dropped him. This is not unlike AP losing sponsors such as Nike (sort of), and the Viking’s losing Radisson Hotels, seriously. Pundits are asking- wondering, who will pay for naming rights to the new Viking’s stadium (besides the taxpayers that is), I am wondering are the kids all right? That is the highlight of this conversation: money. Who will pay the money? They want this person, labeled now a “child abuser” as far away from the Vikings franchise as possible. When we look back a month or so, or even a few days, where do we stand? How fickle are we to believe everything we hear?

What we do “know” is that we don’t “know” anything. These allegations could be frivolous and without warrant, they could be fact with proof positive. They could be fabricated by an ex-lover, put forth to ruin the goals and aspirations of certain people. The allegations could be true, AP could have abused his child(ren), and for that he deserves what is just; to be tried and sentenced. His children should have the right to a safe and secure living situation. However, if the charges are false, is it right that a person pay for a crime before he receives a sentence? If that be the case are his children worse off when their father loses his livelihood, and how firm will the NFL stand behind their star players after the fact?

There is no question abuse is wrong, child abuse, domestic abuse, etc.; abuse is wrong. Furthermore fabricating such abuse and speaking about it garrulously in the media is also wrong. Passing judgment on someone before they get their day in court is wrong. What if we are all wrong and it turns out this was just spin to get people talking about the NFL? This monster corporation, the NFL, wouldn’t be around today if it wasn’t good at talking about itself, getting itself talked about, or in general talking about getting excited about itself. This idea excites me. What the players do on and off the field neither affect our daily lives (unless we let them), or change the outcome of our day. The only reason we are talking about these “professional athletes” is because they do physically extraordinary feats, the keyword in this sentence being physical. If their goal is to be physically abusive on the field, who says they aren’t more prone to become more physically abusive off? And how does one turn that aggression off? The NFL pretty much promotes that we eat, sleep, and breathe football. What is there to do?

Hands down the most compelling part of this event is the idea that child abuse is wrong, however, and it seems to be trumped by money and sponsorships in comparison. The stories I have read, with little detail, and utilization of vagaries gets me to about this point: What makes society quick to judge, and how useful is that in the end?

ON: Amid Rising College Costs, A Defense Of The Liberal Arts

NPR: Amid Rising College Costs, A Defense Of The Liberal Arts
“Wesleyan University President Michael Roth argues that a liberal arts education is more important than ever.”

Liberal Arts education is necessary in 2014, as it has been, especially in a world with ubiquitous problematic language; the modern episteme and such.

The study of fine arts and language is the key to history, society, and culture.  If we lack these we lose our fundamental difference from mere animals.  If you have an English Language major in the room you can better decipher written text, legal documentation, and law; you can make the ambivalent understandable.

People don’t see this though…  They see math and science as poignant, in the forefront and irreplaceable, which they are, and respectively offer immensely to the greater good, but what’s the worth if a specialist cannot convey a new invention, or breakthrough, and its meaning?

We use language everyday, but what do we really say?