I've been trying to stay out of this, but it's becoming harder and harder. Lora, you seem to have made the emotional decision to own a home, and there are some advntages, of course: you have hav a yard and a large dog and tax and interest deductions, and if you enjoy gardening, you can garden--and you don't have to worry about making too much noise for your neighbors, or your neighbors' noise, depending on how close together houses are where you decide to live. But as I read E's posts, I think of all the reasons for not owning a house--the constant upkeep, both financial and, if one does it oneself, effort. We're lucky that my husband likes to and is cable of fixing a lot of things, both inside and outside the house, himself. But it seems as if it's constant. I've lived both in apartments and houses, and I personally prefer the former, because if something goes wrong I can call the landlord. Also, as a single person, I felt a sense of security in an apartment--a relatively small building, so one didn't worry about a lot of strangers, but if something happened there were neighbors easily at hand. I remember one time, before I was married, that my roommate and I had a fight in a nearby apartment and we banged on the door and called the police and protected the woman. With children, having a home is an advantage, as they have more room to play and one doesn't have to worry about the noise--though we did have to be sure not to let them out to play in the yard before 9, because our neighbors wanted to sleep. Now, at night, since our dining room, where we watch tv, is opposite our other neighbor's new bedroom (they rebuilt the house), we have to close the windows after 9. And on the other side of the house, when I work at the computer with my bedroom wndow open, I "enjoy" the Chinese soap operas and music coming from that neighbor's house. And we live in an area where 3 to 5 foot side space is required between houses (depending on when the house was built). Your daughter, as I recall, is about to move to Hawaii? so you don't have children. There are condo communities where you can have a home rather than an apartment and where the greenery is taken care of and paid for by the condo fees. Depending on your age, there are retirement communities; my brother and sister-in-law are renting a wonderful house in such a place, as did my dad. And the communities, retirement or not, have, I believe, lists of people who are approved to make repairs if you need them. It's something to consider when the time comes. Maybe by that time you'll be old enough for a retirement community--some have an age as young as 55. There is security and lots of activities and good transportation, usually, and of course you can continue working--and without worrying about the security of your home while you're gone. Just my thoughts. Cindy ____________________________________________________________________________________ Shape Yahoo! in your own image. Join our Network Research Panel today! http://surveylink.yahoo.com/gmrs/yahoo_panel_invite.asp?a=7 To unsubscribe from this list send a blank Email to bksvol-discuss-request@xxxxxxxxxxxxx put the word 'unsubscribe' by itself in the subject line. To get a list of available commands, put the word 'help' by itself in the subject line.