ML and Ukrainian Women.

[Ooooops]

Sorry, I didn't understand your humor; is it oriental based, or do I have to hold it up to a mirror, read it backwards, or what ?

No, it is not oriental based - would be strange to look for advocates of single life in "find your future wife" forum, no?

[ML]

I originally wrote earlier:  There is such a focus on marriage on this forum, that it was quite unusual for me to hear from someone who was very opposed to it.

Of course, I fully realize that those 'in the game' on this forum are faced with the need for marriage to get the other person into their country.

Just wonder what would happen in 'this game' if the marriage requirement were to be dropped to get a 'significant other' into your country.

= = = = = =

Ooooops responded: 

Duh!   Internet survey showed that 100% of population uses Internet.   

. . . . would be strange to look for advocates of single life in "find your future wife" forum, no?

= = = = ==

In my first posting, I didn't mean to imply that it was unusual to find someone opposed to marriage ON THIS FORUM.

I was trying to contrast the focus on marriage here vs the non-focus on marriage out in 'the real world.'

But, of course as I elaborated, I know the reasons why.

[Patagonie]

Many AW in their 40s and upwards don't want a man other than on a part-time schedule to their liking (repair an appliance, date for a party, etc.).     They believe anything with tires or balls will give them problems someday.   

Yes absolutely, they want a part time schedule in their 40s (but faithful 100% full time lover).
But after 50s, when childrens have gone, when alimonies have gone, when the population chart clearly shows that females really outnumber male, when they know that their pensions a decade later would be slim, they suddenly believe in the couple virtue 

[Boethius]

Untrue.  In Anglo North America, educated women with assets do not want a husband, the older they get.  They may want a man for companionship, but not hanging around full time. 

[Misha]

Untrue.  In Anglo North America, educated women with assets do not want a husband, the older they get.  They may want a man for companionship, but not hanging around full time. 

Sure, but what proportion of women would have significant assets and would not benefit from sharing expenses and having a second income? 20% 10% 5% Less?

[LiveFromUkraine]

Sure, but what proportion of women would have significant assets and would not benefit from sharing expenses and having a second income? 20% 10% 5% Less?

It depends on what you consider significant.


I think you will be seeing more and more women taking this approach.  Women seem to be outpacing men in colleges.   We are already seeing women becoming the bigger bread winner. 


It will be interesting to watch.

[Misha]

It depends on what you consider significant.


I think you will be seeing more and more women taking this approach.  Women seem to be outpacing men in colleges.   We are already seeing women becoming the bigger bread winner. 


It will be interesting to watch.

IMVHO, a woman (or man) who earns less than $100k and does not own their house outright would be better off married to someone who warns as much as they do or more.

[ML]

IMVHO, a woman (or man) who earns less than $100k and does not own their house outright would be better off married to someone who earns as much as they do or more.

You are only referring to economically in month to month sense . . . right?

But of course there are many other factors . . . such as the pain in a$$ factor that women (and men) are thinking of.

And, considerations of total wealth (not just current income), who  will get it, etc.

[Misha]

You are only referring to economically in month to month sense . . . right?

Yes, in the economic sense. Let's say a woman (or a man) earns $80k. What kind of mortgage are they likely to get? Versus a married couples each earning $80k for a combined family income of $160k? Also, there are savings: you end up splitting the utilities and many other expenses. All told, the married couple can get a much better (economic) quality of life together. Whether they will be happy together, that is another question altogether...

[vwrw]

I think you will be seeing more and more women taking this approach.  Women seem to be outpacing men in colleges.   We are already seeing women becoming the bigger bread winner. 

According to a recent news report I watched on TV, in 40% of the US families, women are the bigger bread winners now. In Canada the number is reportedly 18%. The future will show what they will believe in after they are in their 50s

[Boethius]

Yes, in the economic sense. Let's say a woman (or a man) earns $80k. What kind of mortgage are they likely to get? Versus a married couples each earning $80k for a combined family income of $160k? Also, there are savings: you end up splitting the utilities and many other expenses. All told, the married couple can get a much better (economic) quality of life together. Whether they will be happy together, that is another question altogether...

At $60,000 of income, $600 of monthly credit card/other loan debt, heating costs of $150 a month, and property taxes of $300 a month, even with no down payment, in Canada, a person can qualify for a mortgage of over $250,000. 

Sure, two can live almost as cheaply as one, but ML gets what I am saying.  Not everything is about economics.  Part of it is the independence but often, it is about ensuring your children (as opposed to your second husband's children) get your assets/the value thereof.   Women tend to think about this far, far more often than do men. 

In Canada the number is reportedly 18%.

According to the 2010 census, it's 31%.
 
 

[Misha]

According to a recent news report I watched on TV, in 40% of the US families, women are the bigger bread winners now. In Canada the number is reportedly 18%. The future will show what they will believe in after they are in their 50s

I expect that for most this might be a few hundred or a few thousand per year more and that few statistically speaking would earn let's say $20k or more than their husband.

[Misha]

At $60,000 of income, $600 of monthly credit card/other loan debt, heating costs of $150 a month, and property taxes of $300 a month, even with no down payment, in Canada, a person can qualify for a mortgage of over $250,000. 
Sure, two can live almost as cheaply as one, but ML gets what I am saying.  Not everything is about economics.  Part of it is the independence but often, it is about ensuring your children (as opposed to your second husband's children) gets your assets/the value thereof.   Women tend to think about this far, far more often than do men. 
According to the 2010 census, it's 31%.

And what will $250k buy you in most urban centers in Canada? West of the Maritimes not much house wise.

[Boethius]

$250,000 will get you a nice, smaller home in safe neighbourhoods in any of Alberta's cities, or a pretty decent condo.

[Misha]

$250,000 will get you a nice, smaller home in safe neighbourhoods in any of Alberta's cities, or a pretty decent condo.

Did an MLS search for Calgary: no houses in that price range, just condos and townhouses.

[Boethius]

I did an online search and found 3 pages of houses.  Only 2 in an undesirable area (Forest Heights).

[Misha]

I did an online search and found 3 pages of houses.  Only 2 in an undesirable area (Forest Heights).

On MLS.ca? Feel free to post an example.

[Ooooops]

Guys, what age of women are you talking about here?   Young single mothers or empty nesters?   

[Boethius]

No age range on the mortgage.  But a woman over 50 would usually have enough assets that she'd have some equity going in and if not, there are lots of condos in that price range.

Here are a few homes under $250,000 in Calgary -

http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13338409&PidKey=-799720952
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13244402&PidKey=1036496737
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13337799&PidKey=-507322699
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=12714236&PidKey=-1340897051
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13010839&PidKey=778648686
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13293717&PidKey=-945988690
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13137606&PidKey=-23195354
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13168733&PidKey=-1141234947
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13093913&PidKey=-1851783734
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13294118&PidKey=-1864785782
 
 

[Ooooops]

No age range on the mortgage.

I know that but I think that requirements are very different for moms with kids and for women living alone. 

[Boethius]

Not necessarily.  I grew up in a tough neighbourhood, 2 bedroom home, about 700 square feet total, with a third bedroom being a room upstairs.  Young parents.  That house today would list for around $210,000.  But yes, an empty nester can live in a condo complex.

[Ooooops]

Bo, my point is that needs for multi-bedroom houses vs. smaller condos change with age.  Or don't, depending on the person, I guess.   

[Boethius]

I know.    If we go back to the original point, an over 50 woman with a $60,000 income, fairly significant monthly debt, and zero savings can qualify for a $250,000 mortgage.  I agree, it is more likely she would purchase a condominium than a house.  The house came in as part of a subsequent riposte. 

IRL, I know of no women over 50 who have worked all their lives and have no assets. 
 
 

[GQBlues]

...Here are a few homes under $250,000 in Calgary -

http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13293717&PidKey=-945988690
http://www.realtor.ca/PropertyDetails.aspx?&PropertyId=13137606&PidKey=-23195354

Holy Smokes, Boethius...


These homes are hovering close to $400.00/SF!!! They're barely livable..  I'd rather pay for an apartment....$200K = likely $900.00/mo (?) for a half a skip over 500 SF?

[Boethius]

For many of those properties, the value is in the lot, not the house.  Most apartments are over $1000 a month, but include all utilities.  When we lived in an apartment, which was in a good neighbourhood, our rent was the same as our mortgage payment when we purchased.  We were happy there, and didn't buy until our daughter was born.  Since then, new floors, all new appliances, new furnace, new roof, new fence, new sidewalk, renovated bathrooms, new garage doors (big one and side), and we still need to reno the kitchen and replace the deck.  Our house was not that old, less than 20 years old when we purchased.  Hubby was not involved at all in choosing the house, he didn't care.  We could've purchased a newer home, but most were near power lines, which for me, was a no no with kids.