So you're happy with your home. You can afford the mortgage or rent, without compromising your quality, life experiences.
But, have you read, or watched the news, lately? There are abundant things that can take away your secure home, besides foreclosure on the house. Many folks who owned their home, outright, have found they were not able to keep up with the taxes on the property, and lost the whole thing to a tax auction. How would you like to come
home, one evening, and find nothing left, except these front steps? Oops !
Or, you could be collateral damage when your new landlord wants to flip your apartment into an expensive condo unit. If you live in Florida, don't even think about the odds of your home being swallowed up by a sinkhole, maybe with you in it.
Your parents passed on and left you their paid for homestead, that you grew up in, bonanza ! What could go wrong ? There is a housing nightmare that is much more common than ...
anyone wants to believe. It is estimated that at least one house, in virtually every town in the U.S. has been wrongfully, torn down. At lease, they were compensated for the mistake, right ? Wrong. If you try to go after the city that ordered the demolition, you'll find local governments have "immunity from negligence." They will tell you, "Oh, well, you can't unring the bell." So go after the contractor that demolished the wrong structure ? What many have experienced is, assuming the contractor is willing to compensate you at all, the assessed value of your compensation will not be based on the value of your house that was torn down. The new value will be post demolition. That's less than the value of the land it's sitting on, because you have to subtract the cost of cleaning up, and removing the wreckage .
You're thinking you're safe, or you've already lost your house, and now you're renting. Well, think again. In today's economy, you're NEVER safe. For a flat rate of$195, the Ellis Act can allow you 30 days notice, only, for eviction, on the grounds that the new owner wants to make a ton of money flipping your apartment complex into luxury condominiums. Not just in San Francisco, this is happing, to varying degrees, all over the....
country. In your search for a new home, the only "for rent" sign you may see is on your apartment, that the new owner will re-rent at a much higher rate. If you rent month-to-month, the landlord doesn't even have to give a reason for eviction. The tenant protections laws vary state-to-state re: the time you are given for eviction and the portion of your deposit you may get back. Southern states, for instance, offer the least protection, such as rent control and eviction by real-estate flippers. And some landlords don't go by the rules. They have been known to harass the tenants who wont leave by renting out adjoining, vacant apartments as "hotel rooms," thus cluttering the lobby with tourists and their baggage. Other landlords have shut off utilities, removed security lights and even front doors, leaving tenants vulnerable to crime. It's not a pretty picture.
Take Florida Sink Holes, please. The victims of this disaster, DO have some warning. When you see cracking in the walls, and such, watch out. What you don't hear, are the draining and dangerous options facing the home owner. Are you going to pay to have your growing sink hole reinforced ? One contractor, alone, reinforces 30-40 sinkholes in Florida, every month. Costs could be, as little as $8, 000 for a small developing sink hole, say under a driveway to more than $80,000 with, give or take, a $20,000 insurance deductible. Would you have the money for that ? So, you, too could end up doing what many Floridians end up doing, playing "real-estate roulette" with insurance companies, local government and time. And, you can't sell your home, if you're even near a neighborhood with a sink hole. Who would...
.. want to buy it ? Could YOU afford any of those options ? Most people can't. The loses to life have usually come when people either go into denial when seeing the signs, or they are playing the game, betting against time. That's how more than two souls lost their lives, in Florida. In the middle of the night, while sleeping, the floors beneath their beds collapsed into the dark hole that would become their tombs. If you DO get out in time, feel lucky to get away with your life. There is rarely any compensation for your loss. No money to build new, in a safe spot.
Your home security isn't as secure as you thought. With what you're going to learn here, you will want to start saving for your "Plan B home," NOW. You never know when you'll have to "Get Outta Dodge," quick! Stay tuned to this blog for some ideas of what those Affordable Plan B Tiny Homes could be. Be a good scout. Be prepared. ....
When the economy crashed and Jaclyn was being forced from her home due to foreclosure, she knew she wanted more than just a roof over her head. She wanted to travel, and have adventures, but didn't want to live in an RV. She wanted her home to be soul inspiring and nurturing, but needed to create it on a shoe-string budget. So, with minimal funds and a little help from her friends, she built her tiny traveling sanctuary.
In this blog, you'll find the story of Jaclyn's journey from foreclosure to Living Large, Tiny in her Gypsy Island Sanctuary.
Go here for her story.
To stay in touch with new design alternatives, coding clues, and updates on my Tiny Gypsy Island Sanctuary Tips and Travels, and upcoming book release,
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