Tag Archives: census bureau

Hooray! I’m in the bottom one-third of home owners . . .

According to the Census Bureau’s report (§963 Mortgage Characteristics – Owner Occupied Units), as of 2007 when the most recent data was available, the United States had 75,647,000 owner-occupied households.  Of these, 24,885,000 had no mortgage.  That is, not a single penny was owed the bank and the homeowner had total equity in the property.

That means 32.896% of owner-occupied households own their property outright and have no mortgage.

Now, these figures were from before the housing crisis but that shouldn’t matter because it seems like a good bet that if you owe nothing on your house, you can’t have the bank foreclose on it, can you?  No matter what the market value of your home is, nobody can kick you out, as long as you pay your property taxes, which are often a fraction of the value of a residence.

To put that into perspective, imagine walking into a room of 100 homeowners that represents a cross-section of the United States.  Statistically, 33 of the people in that room would have no mortgage.  They would make no payment to the bank and they own their home outright.  The other 67 people would have a mortgage.

There’s a downside to paying off a mortgage. I can no longer itemize items on my tax returns because I lack the necessary amount of valid deductions. The  amount allowed by the IRS for a single taxpayer with only one personal deduction (self) and no home mortgage is beyond miserly—it’s pathetic. However, so far I have managed to overcome the impulse to purchase a home with a huge mortgage in order to claim the interest exemption, thereby reducing my taxes.

I realize that the option of upgrading to a larger home in an exclusive neighborhood—The Dominion in San Antonio, for example, something comparable to the home of NBA star David Robinson or that of George
Strait of country music fame, but the savings would not justify the horrors of relocating and besides, I would probably walk away from the mortgage a few months later having exhausted my savings—okay, one month.

I suppose I could search for a soul-mate (a female, naturally, or a male unnaturally—just a bit of humor there) for marriage and thereby decrease my taxes by doubling my exemptions, or even adopt a few wayward children, perhaps three or four orphans thereby tripling, quadrupling or quintupling my exemptions. Of course, if I chose any of those options I would probably wind up living in my backyard storage shed, even if I only opted for the soul-mate—bummer!

In support of my decision I have artfully crafted a poem, dedicated to those left alone by the love of their life passing from this realm to another (the dedication is extended to such persons still burdened by a mortgage).

A most heroic poem,
and beautifully made

I will remain alone
in my debt-free home
with my senior discount
until I tire of riding single
after riding double so long,
and I surrender the reins
of this unruly mount
that I travel on.

The next horse I ride
I hope will have wings
as befitting a king.
Pegasus would do
but I follow a rule,
I’ll take what is offered
though it be a mule,
But whichever life brings,
I refuse to board
unless it has wings.

That’s my story and I’m sticking to it.


Posted by on November 12, 2011 in Humor, IRS, mythical creatures


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1947 World Series on television—in color!

Baseball’s 1947 World Series on television—in color!

I’ll bet my daughters don’t know that I watched the very first World Series baseball game broadcast on television. That was in October 1947, played between the New York Yankees and the Brooklyn Dodgers—the Yankees won the series in the seventh game. My brother and I watched the game through the showcase windows of a closed Sears store in Washington, D.C.—in color—very poor color, but still color. Click here for a description of the game.

I was living with my brother and his family in Carry Homes, a community of one-story duplexes in Suitland, Maryland, built mainly for, and primarily occupied by, veterans returning from overseas in World War II. Most of our neighbors were either active duty, retirees or discharged war veterans. Carry Homes community has long since been demolished, giving way to progress and eminent domain exercised by the government—the site is now occupied by the federal Census Bureau.

I went with my brother to the Sears store in Washington, D.C. one evening to pick up some truck parts. Sears was a fascinating place for me—parking on the street was limited, so most customers parked on the roof of the store and then walked down a flight of stairs to the shopping areas below. Hey, there was nothing like that in my little town of Durant, Mississipi, my last home before being shuffled off to live with my brother.

On that evening we parked on the street opposite the store, but found that the store had closed just a few minutes before we arrived. The television was placed in a storefront window for the benefit of pedestrians in the area. This was my first encounter with television, either color or black-and-white, and not until December of 1952 would I see television again—that was in an Atlanta motel while I waited for the next morning to begin my reenlistment in the United States Air Force. I was scheduled for a physical exam and indoctrination the following day. That event is worth reading about—click here for the full story.

That’s my story and I’m sticking to it!

1 Comment

Posted by on September 21, 2010 in baseball, television


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Letter to the editor, San Antonio Express-news: Obama’s reeling . . .

A letter from a reader of the San Antonio Express-News prompted this posting. The letter was printed in the paper’s Metro Section (Your Turn) January 22, 2010,  In the interest of full disclosure, I must state that my Letter to the editor, was not sent to the paper’s editor for consideration. I did not submit it because of a series of rejections of my submissions over a period of many years. Many were printed, but now I prefer to air my thoughts on my blog. Word Press has never rejected one of my letters, and the letters are available to infinitely more viewers than is the San Antonio Express-News.

Letter to the editor, San Antonio Express-News

January 22, 2010

A reader’s submission printed today in Your Turn was titled Obama’s reeling. The apostrophe was apparently used by the copy editor to form a contraction meaning that Obama is reeling. In the literal sense it means that he is off balance, staggering and lurching violently (figuratively, of course) in reaction to the result of the Senate race in Massachusetts, a race in which the Republican candidate was elected to the Senate.

Obama’s reeling?

Such construction and presentation of the contraction Obama’s is incorrect and could be very misleading, providing fodder for various political commentators, particularly late night comedians.

One places an apostrophe and an ess after the name of a person, place or thing to show that the person, place or thing possesses something. Obama’s reeling is not a contraction, at least not a proper contraction as used in conjunction with the verb reeling. I suppose that Obama could possess a reel, as in fishing reel, but a reeling? Not likely! Reeling is a verb—had the article been titled Obama’s reeling in votes for Democrats, the contraction would have been proper and understandable. And if there is a fish or an aquatic animal that is known as a reeling, and if the president were fishing offshore at Martha’s Vineyard while on vacation, and if he had actually hooked a reeling the heading could have read, Obama’s reeling in a reeling. That would be a proper contraction, completely understandable and unlikely to mislead a viewer’s perception or conception of the president’s physical condition.

And as an afterthought, our president may possibly be reeling in a purely psychological sense, keenly aware of the fact that the balance of power in his administration is changing and has become off balance.

Had the letter referred to something possessed by our president, the apostrophe and the ess would have been proper. A few examples would be: Obama’s decision, Obama’s wife, Obama’s effort to nationalize health care, Obama’s reliance on teleprompters, etc., etc. In those examples the words decision, wife, effort and reliance all are things Obama possesses (well, I suppose wife may be a stretch, except perhaps in the biblical sense).

And now on to the use of apostrophes and esses:

From: (

William Strunk, Jr. (1869–1946).  The Elements of Style.  1918


1. Form the possessive singular of nouns with ‘s.

Follow this rule whatever the final consonant. Thus write,

Charles’s friend

Burns’s poems

the witch’s malice

This is the usage of the United States Government Printing Office and of the Oxford University Press.

I  strongly disagree with William Strunk, Jr. when he states,  Follow this rule whatever the final consonant. To show that a noun—any noun, whether a person, place or  thing—possesses something one does not add an apostrophe and another ess when that noun ends with an ess. That may have been correct in William Strunk’s day (1869-1946) as presented in Elements of Style by The three examples given by Strunk to show possession are Charles’s friend, Burn’s poems and the witch’s malice. The first two end with an ess, the third does not. The first two are incorrect—the third is correct. Charles’s and Burns’s are incorrect, regardless of the fact that This is the usage of the United States Government Printing Office and of the Oxford University Press. The various US publications on writing style are littered with errors and some should be consigned to the litter boxes from whence they came.

Just because the federal government prints it does not make it true. And unless my memory fails me, the Oxford University Press is a British organization, and our treatment of the English language differs considerably from that of the British people. Remember when President George W. Bush, on his first trip to England as president, was asked what he considered his biggest challenge on the visit? The president said something to the effect that he might have a problem with the language.

Oh, and if one is fain (archaic, but a good word—look it up) to know the plural possessive form of witch, one only needs to add an ess to make it plural and an apostrophe to show possession thusly: the witches’ malice. Please do not spell it and pronounce it as the witches’ess.

Go ahead—try it—unless the three syllables are carefully and properly enunciated, the witches’ess tends to come across as the witches ass—we would not want that, would we? Our listener would probably respond with a “Say whut?”

I can legitimately speak with the voice of experience—nay, with authority—in this matter of proper punctuation. I labored (laboriously) at various tasks during more than 22 years in the United States Air Force and during an additional 26 years in the ranks of our federal Civil Service. Throughout those 48 years I was called on (compelled, actually) to compose a wide variety of writings, including performance reports for myself and for others, and recommendations for various awards and medals for myself and for others (my efforts brought me several personal awards). I had access to most government style publications, and in fact brought some home (inadvertently, of course) when I retired from federal Civil Service. I still reference (and quote) the publications, but when they conflict with what I know is correct, government loses—I win. And at the risk of repeating myself, I will repeat myself—just because the federal government prints it does not make it true.

And here I must digress from my subject:

The thought just occurred that if one could literally repeat oneself, and if every person on earth repeated one’s self simultaneously, the world’s population would immediately double, rising from the present population (as of January 24, 2010) of 6,798,300,000 to 13,597,600,000 (From Wikipedia: The Earth’s population is estimated by the United States Census Bureau to be 6,798,300,000). That was as of January 24, 2010. I strongly urge than none of us attempt to literally repeat ourselves and especially not repeatedly—if we should succeed in our efforts we would soon run out of standing room on earth.

And now back to my subject:

Pee Ess: This posting is a continuation of my efforts to restrict the length of my postings in order to placate viewers that may be anxious to return to other more productive activities. I’m trying, but I cannot imagine any activity that could be more productive and personally rewarding than my blog.

Footnote: The terms pee and ess are proper words, abbreviations for the words Post and Script, and may be legitimately used in place of the letters P and S, the sixteenth and nineteenth letters of the English alphabet. If you like, you may verify their definition, their use and their numerical position in the alphabet online at

That’s my story and I’m sticking to it.


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