http://www.theanarchistalternative.info/zgb/ Rational Refreshing Reflections on What's Happening Now en-en Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/recent.gif http://www.theanarchistalternative.info/zgb/ http://www.theanarchistalternative.info/zgb/index.html http://www.theanarchistalternative.info/zgb/index.html 25A049.htm 25A049 What Houses Cost by Jim Davies, 12/9/2025   No way do I envy a young couple trying to set up home today; the price of an average house is over a half million dollars - see graph, thanks to statista.com. Over the last 60 years that price has risen more than 24 times (that's $512K / 21K.) General inflation would have taken it up by only 10.5 times, to about $220K, so homes are now (512/220 =) 2.3 times more costly than in 1965, in real terms. Hence the hardship, to first-time buyers. Why has this happened, and why will it not occur in a zero government society? One reason is that rules for construction of new buildings, set by governments of States, have multiplied - as laws always do. Those mandated features add to the price. I had expected the other main factor to be that population has grown faster than the housing stock, but was surprised to find that the opposite is true! The population over the same period grew from 194 million to 330 million (that's 1.7 times), while the number of available dwellings grew by about 2.5 times. So this would tend to lower house prices (in real terms, not inflated ones) - yet they have risen, defying economic theory. So some other factor must be at work. Suggestions welcome; but one likely culprit is that a house is not just a home, it's an investment. Everyone's gotta be somewhere, so a home is a necessity, but due to the artificial incentives handed down by the FedGov, it also provides a very decent return on what the owner must in any case spend. Example: suppose you put down 20% and borrow 80% of the price from a local friendly banker (actually it's from the FedGov, which has the FedRes print it for you, but let's not be picky) at interest. The interest portion of the loan repayment is tax-deductible, so the net cost of borrowing is lower than its market cost, which directly encourages the buyer to choose a home "worth" a higher price. Meanwhile history reassures him (see graph, again) that the house will probably increase in value by 5 or 6 percent a year. If he expects to live in it for 13 years, that value will double. So if his leveraged 20% investment is $100K he can expect it to yield $500K in that time, for a borrowing cost made artificially low and which is in any case a necessity of life. That's a pretty good deal! An asset gain of 500% in 13 years is on its own a yield of nearly 15% a year. Compare that with 2% or 3% in a savings account. So I think the key driver of the housing price rise is the fact that buying one is not just to put a roof over one's head, but to invest well. How will all that fare after government has vanished? - Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/12A012.htm http://www.theanarchistalternative.info/zgb/12A012.htm Read more about #039;12A011: Whatamp;#039;s To Be Done?, 2/29/2012 Fresh out of arguments, they silence the opposition #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A049.htm http://www.theanarchistalternative.info/zgb/25A049.htm Read more about #039;25A049: What Houses Cost, 12/9/2025 Much less in the ZGS ----------amp;gt; #039; on the Zero Government blog... 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Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A045.htm http://www.theanarchistalternative.info/zgb/25A045.htm Read more about #039;25A045: The Body Hunt, 11/11/2025 Prof. Rancourtamp;#039;s Autopsy on the Bogus Plague #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25E044.htm http://www.theanarchistalternative.info/zgb/25E044.htm Read more about #039;25E044: Government, Taxes and War, 11/4/2025 Truth in a nutshell, by Bill Schmidt #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A043.htm http://www.theanarchistalternative.info/zgb/25A043.htm Read more about #039;25A043: The Source of Evil?, 10/28/2025 Itamp;#039;s a devilish question #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A042.htm http://www.theanarchistalternative.info/zgb/25A042.htm Read more about #039;25A042: Shalom?, 10/21/2025 The big omission from the Gaza peace deal #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A041.htm http://www.theanarchistalternative.info/zgb/25A041.htm Read more about #039;25A041: Venezuelan Coke, 10/14/2025 Distorting trade, committing murder #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A040.htm http://www.theanarchistalternative.info/zgb/25A040.htm Read more about #039;25A040: Reason vs. Cancelation, 10/7/2025 Stop the rival speaking, itamp;#039;s simpler #039; on the Zero Government blog... 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Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A036.htm http://www.theanarchistalternative.info/zgb/25A036.htm Read more about #039;25A036: Midsomer Psywars, 9/9/2025 Good reasons to kill the TV #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A035.htm http://www.theanarchistalternative.info/zgb/25A035.htm Read more about #039;25A035: Reason vs. Dogma, 9/2/2025 Why progress stalled in the Middle Ages #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A034.htm http://www.theanarchistalternative.info/zgb/25A034.htm Read more about #039;25A034: DVOL, 8/26/2025 A very small, possible improvement #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A033.htm http://www.theanarchistalternative.info/zgb/25A033.htm Read more about #039;25A033: Statesamp;#039; Rights, Revisited, 8/19/2025 They still donamp;#039;t have any #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A032.htm http://www.theanarchistalternative.info/zgb/25A032.htm Read more about #039;25A032: Privacy, in the ZGS, 8/12/2025 It will be in your own hands #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A031.htm http://www.theanarchistalternative.info/zgb/25A031.htm Read more about #039;25A031: Corruption, 8/5/2025 Impossible, in government #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A030.htm http://www.theanarchistalternative.info/zgb/25A030.htm Read more about #039;25A030: A Very Good Word, 7/29/2025 The source of wealth and progress #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A029.htm http://www.theanarchistalternative.info/zgb/25A029.htm Read more about #039;25A029: Anarchist Airlines, 7/22/2025 The safest sort in the sky #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/25A028.htm http://www.theanarchistalternative.info/zgb/25A028.htm Read more about #039;25A028: amp;quot;It Would Never Work!amp;quot;, 7/15/2025 Actually, itamp;#039;s the only one that would #039; on the Zero Government blog... 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Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch1H21.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch1H21.htm" Read more about #039;ZGBlogs for January - June 2021 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch2H20.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch2H20.htm" Read more about #039;ZGBlogs for July - December 2020 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch1H20.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch1H20.htm" Read more about #039;ZGBlogs for January - June 2020 #039; on the Zero Government blog... 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Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch3q18.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch3q18.htm" Read more about #039;ZGBlogs for July - September 2018 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch2q18.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch2q18.htm" Read more about #039;ZGBlogs for April - June 2018 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch1q18.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch1q18.htm" Read more about #039;ZGBlogs for January - March 2018 #039; on the Zero Government blog... 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Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch101211.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch101211.htm" Read more about #039;ZGBlogs for October - December 2011 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch5911.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch5911.htm" Read more about #039;ZGBlogs for May - September 2011 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0411.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0411.htm" Read more about #039;ZGBlogs for April 2011 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0311.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0311.htm" Read more about #039;ZGBlogs for March 2011 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0211.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0211.htm" Read more about #039;ZGBlogs for February 2011 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0111.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch0111.htm" Read more about #039;ZGBlogs for January 2011 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch2010.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/arch2010.htm" Read more about #039;ZGBlogs for 2010 #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000 http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/rondex.htm" http://www.theanarchistalternative.info/zgb/"http://www.theanarchistalternative.info/zgb/rondex.htm" Read more about #039;ZGBlogs about Ron Paulamp;#039;s Presidential Campaign #039; on the Zero Government blog... Thu, 11 Dec 2025 00:47:05 +0000