I’m beginning to think home ownership is over-rated.
My house is in a picturesque setting on the edge of the countryside. It sits high on a hill, surrounded by lush green grounds and many trees. My nearest neighbor is a football field away.
That’s the good news. The bad news is that I am in a bitter battle with the creatures that surround my property.
Every evening when I get home, a robin comes roaring out of the lattice under my porch roof. I yell at the bird to stay away, but she doesn’t appear to understand cuss words.
Every night I pull down the hay and other nesting materials that female robin stuffs up there, and every morning she puts double that amount back.
Of course, the robins are minor considered to some of the other woes of home ownership I have suffered.
A few years ago, just after moving back to this house and kicking off major renovations - I had rented it out for 14 years - my outside lights were temporarily not working.
One night, in the pitch black, I was navigating a path to my back door, when I was stopped dead in my tracks by an angry, grunting creature.
My imagination ran wild. A bear? A wolf? An IRS agent?
I back-pedaled to the car and turned on the high beams. It was a buck protecting his territory during rutting season, apparently. He wouldn’t let me pass for 20 minutes.
I have since wired the house, at some expense, with halogen spotlights that turn on when I arrive home.
I hired an excavator, at greater expense, to clear trees and shrubbery from the yard to hopefully push the critters further into the woods.
And I armed myself with a BB gun, a harmless and effective tool for warning critters to leave or receive a little shot to the backside.
But for every challenge I solve, there are hundreds of others.
Clever raccoons defeat almost every method I try to keep them from popping the lid off my garbage can and decorating the yard with its contents.
The fact of the matter is that owning a home in the country - heck, owning a home anywhere - can be a real hassle and a great expense. It is not for everyone.
So maybe it’s not the end of the world that U.S. home ownership, as of the last quarter of 2013, was down to 64.8 percent - the lowest rate in nearly 20 years. Factor in the people close to default and that number is closer to 62 percent.
Compare that to 2004, when home ownership peaked at 69 percent - before the housing collapse of 2008.
The fact is, owning a home is not for everyone. It’s a lot of work and a lot of headaches.
And though it has some upsides - owning a home makes one more aware of the cost of things, such as taxes, which makes one more likely to support lower taxes and more common-sense government programs - it has many downsides.
Consider, according to a Forbes article by Kelly Philips, that some of the world’s struggling economies - Russia, Italy, Greece and Spain - have higher home ownership rates than we do.
Conversely, countries with traditionally strong economies, such as Germany, Switzerland and Japan, have lower home ownership rates than ours.
In any event, I have bigger worries right now than home ownership data.
I have to clean hay out of my lattice before robin eggs are laid or I’ll get dive-bombed every time I enter or exit my house.