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	<title>Comments on: Small-Town Personal Finance</title>
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	<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/</link>
	<description>personal finance that makes cents</description>
	<pubDate>Fri, 16 May 2008 04:20:49 +0000</pubDate>
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		<title>By: mickie</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-96459</link>
		<dc:creator>mickie</dc:creator>
		<pubDate>Tue, 28 Aug 2007 19:22:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-96459</guid>
		<description>I have lived in many small towns--born--n-raised, and as an adult.  Lived through a small town becoming a suburb (oh, that's painful--Sue's BBQ bulldozed for an Olive Garden), to bedroom community, to college town to small cities--mostly all in the south.

I now live in Brooklyn.  Why?  Perhaps I've been unfortunate but ALL of the small places I've been have been EXTREMELY judgmental of anyone not "just like us".  

Anyone "odd" is suspect--even when known cradle to grave.  If you are catholic (or pick a non-local religion), you're odd.  If you are ethnic, you're odd and/or second-class (depending on your ethnicity).  If you were from the "wrong side of the tracks" you're odd AND no 'count.  A career woman has gotten too big for her britches.  A childless woman and a gay man are abominations.  

As JD said, every day living gets mixed with "bombing the hell out of Arabs." (or fill in the blank with the regional pariah and methodology of preference).

If you are "odd" your opportunities are that much more limited by your peers as well as your resources (good ol' boy club anyone?).  Small places have long memories and the sons pay for the sins of the father.

If you are poor, your educational opportunities are severely limited (unless you sign your soul away to student debt).  Your cultural opportunities are limited, or at the very least homogenous.  I never was a country music fan and I prefer my twice yearly visiting state orchestra to play something other than "show tunes".  My neighbors couldn’t understand my love for caterwauling (opera).

I've been so poor that hunters would "donate" extra kills to feed the family through the winter.  Of course, I married into an "acceptable" family.  Others weren't considered worthy of charity even though the family farms kept afloat by their exploited labor (including children).  

Of course, when I became a divorcee, I was “odd”.  But then again, I’d always been odd and my husband was considered odd for marrying ME.

In a city (and I've lived in others but I'm partial to NYC), there are FREE everything--including free association.  Maybe cost of living is more; but being poor in the city is INFINATELY better than being poor in the country.

I rarely spend money for what are, to me, the luxuries of life:  concerts, lectures, educational ops, global peoples and food, and privacy (well, pre-911 anyway).

I wouldn't give up Shakespeare in the Park for all the corn bread in Conetoe.  

I'd love small town life for all the reasons stated by others--I am not anured to the charms--if it weren't for small minds and hearts that tend to go along with it.</description>
		<content:encoded><![CDATA[<p>I have lived in many small towns&#8211;born&#8211;n-raised, and as an adult.  Lived through a small town becoming a suburb (oh, that&#8217;s painful&#8211;Sue&#8217;s BBQ bulldozed for an Olive Garden), to bedroom community, to college town to small cities&#8211;mostly all in the south.</p>
<p>I now live in Brooklyn.  Why?  Perhaps I&#8217;ve been unfortunate but ALL of the small places I&#8217;ve been have been EXTREMELY judgmental of anyone not &#8220;just like us&#8221;.  </p>
<p>Anyone &#8220;odd&#8221; is suspect&#8211;even when known cradle to grave.  If you are catholic (or pick a non-local religion), you&#8217;re odd.  If you are ethnic, you&#8217;re odd and/or second-class (depending on your ethnicity).  If you were from the &#8220;wrong side of the tracks&#8221; you&#8217;re odd AND no &#8216;count.  A career woman has gotten too big for her britches.  A childless woman and a gay man are abominations.  </p>
<p>As JD said, every day living gets mixed with &#8220;bombing the hell out of Arabs.&#8221; (or fill in the blank with the regional pariah and methodology of preference).</p>
<p>If you are &#8220;odd&#8221; your opportunities are that much more limited by your peers as well as your resources (good ol&#8217; boy club anyone?).  Small places have long memories and the sons pay for the sins of the father.</p>
<p>If you are poor, your educational opportunities are severely limited (unless you sign your soul away to student debt).  Your cultural opportunities are limited, or at the very least homogenous.  I never was a country music fan and I prefer my twice yearly visiting state orchestra to play something other than &#8220;show tunes&#8221;.  My neighbors couldn’t understand my love for caterwauling (opera).</p>
<p>I&#8217;ve been so poor that hunters would &#8220;donate&#8221; extra kills to feed the family through the winter.  Of course, I married into an &#8220;acceptable&#8221; family.  Others weren&#8217;t considered worthy of charity even though the family farms kept afloat by their exploited labor (including children).  </p>
<p>Of course, when I became a divorcee, I was “odd”.  But then again, I’d always been odd and my husband was considered odd for marrying ME.</p>
<p>In a city (and I&#8217;ve lived in others but I&#8217;m partial to NYC), there are FREE everything&#8211;including free association.  Maybe cost of living is more; but being poor in the city is INFINATELY better than being poor in the country.</p>
<p>I rarely spend money for what are, to me, the luxuries of life:  concerts, lectures, educational ops, global peoples and food, and privacy (well, pre-911 anyway).</p>
<p>I wouldn&#8217;t give up Shakespeare in the Park for all the corn bread in Conetoe.  </p>
<p>I&#8217;d love small town life for all the reasons stated by others&#8211;I am not anured to the charms&#8211;if it weren&#8217;t for small minds and hearts that tend to go along with it.</p>
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		<title>By: A.J. - IAmFacingMillions.com</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-94532</link>
		<dc:creator>A.J. - IAmFacingMillions.com</dc:creator>
		<pubDate>Mon, 06 Aug 2007 12:52:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-94532</guid>
		<description>I married a girl from a small town like you are describing.  I absolutely fell in love with the small town life.  Everyone knew everyone.  It's ashamed that marriage didn't last more than 10 months.  It's too small of a town to be living there when you are the outsider and your ex wife and her family make up 1/2 of the town :(</description>
		<content:encoded><![CDATA[<p>I married a girl from a small town like you are describing.  I absolutely fell in love with the small town life.  Everyone knew everyone.  It&#8217;s ashamed that marriage didn&#8217;t last more than 10 months.  It&#8217;s too small of a town to be living there when you are the outsider and your ex wife and her family make up 1/2 of the town <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' /></p>
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		<title>By: A Successful Vacation Budget ? Get Rich Slowly</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-94496</link>
		<dc:creator>A Successful Vacation Budget ? Get Rich Slowly</dc:creator>
		<pubDate>Sun, 05 Aug 2007 19:45:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-94496</guid>
		<description>[...] great. But New York &#8212; wow! New York was amazing. It far exceeded my expectations. I&#8217;m a small-town boy, no question, but I can still appreciate the big [...]</description>
		<content:encoded><![CDATA[<p>[...] great. But New York &mdash; wow! New York was amazing. It far exceeded my expectations. I&#8217;m a small-town boy, no question, but I can still appreciate the big [...]</p>
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		<title>By: Livingalmostlarge</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93813</link>
		<dc:creator>Livingalmostlarge</dc:creator>
		<pubDate>Sun, 29 Jul 2007 01:37:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93813</guid>
		<description>I'm a suburbanite and I wouldn't have it any other way.  I sort of like the small community feel (small town), but very different feel.  But maybe where I grew up the burbs are more like little small towns.  But no one considers it small town.  LOL.  It is nice.</description>
		<content:encoded><![CDATA[<p>I&#8217;m a suburbanite and I wouldn&#8217;t have it any other way.  I sort of like the small community feel (small town), but very different feel.  But maybe where I grew up the burbs are more like little small towns.  But no one considers it small town.  LOL.  It is nice.</p>
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		<title>By: Angie</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93571</link>
		<dc:creator>Angie</dc:creator>
		<pubDate>Wed, 25 Jul 2007 19:38:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93571</guid>
		<description>Joe up in #17 says: &lt;i&gt;Anytime of the day it takes me 10 minutes to get to the grocery store compared to a variable amount with the traffic messes in cities. 

I also have 4 golf courses within 15 minutes of me. After work $12-$14 for 9 holes, I will take this anyday over “city life”.&lt;/i&gt;

I live in Seattle, and I can *walk* to the grocery store in 10 minutes (5 minutes or less to drive). And there's a municipal golf course within 10 minutes' drive...

Also within a 5 minute walk from my house: a business district with &#62;6 great restaurants, a branch of our spectacular city library, a movie theater, two theaters for live performance, three parks, a weekly farmer's market (May through Oct), and my youngest kid's preschool. 

Also within a 10 minute drive from my house: probably 200 restaurants and pretty much any kind of commerce you can imagine (legal and otherwise--this *is* a city); several miles worth of lakefront parks; a stand of old growth forest with a small population of bald eagles; boating, fishing, world-class gardens, and not to be forgotten, my other kid's elementary school.  

And that's not even counting downtown, which is about 15 minutes' drive away, or 20 by bus. Even faster with the light rail coming on line in a couple of years....

Different strokes for different folks, but I love living in a vibrant city where you don't even HAVE to get in your car!</description>
		<content:encoded><![CDATA[<p>Joe up in #17 says: <i>Anytime of the day it takes me 10 minutes to get to the grocery store compared to a variable amount with the traffic messes in cities. </p>
<p>I also have 4 golf courses within 15 minutes of me. After work $12-$14 for 9 holes, I will take this anyday over “city life”.</i></p>
<p>I live in Seattle, and I can *walk* to the grocery store in 10 minutes (5 minutes or less to drive). And there&#8217;s a municipal golf course within 10 minutes&#8217; drive&#8230;</p>
<p>Also within a 5 minute walk from my house: a business district with &gt;6 great restaurants, a branch of our spectacular city library, a movie theater, two theaters for live performance, three parks, a weekly farmer&#8217;s market (May through Oct), and my youngest kid&#8217;s preschool. </p>
<p>Also within a 10 minute drive from my house: probably 200 restaurants and pretty much any kind of commerce you can imagine (legal and otherwise&#8211;this *is* a city); several miles worth of lakefront parks; a stand of old growth forest with a small population of bald eagles; boating, fishing, world-class gardens, and not to be forgotten, my other kid&#8217;s elementary school.  </p>
<p>And that&#8217;s not even counting downtown, which is about 15 minutes&#8217; drive away, or 20 by bus. Even faster with the light rail coming on line in a couple of years&#8230;.</p>
<p>Different strokes for different folks, but I love living in a vibrant city where you don&#8217;t even HAVE to get in your car!</p>
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		<title>By: Sarah</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93567</link>
		<dc:creator>Sarah</dc:creator>
		<pubDate>Wed, 25 Jul 2007 18:43:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93567</guid>
		<description>@Kelly,

Everyone say it with me-- correlation does not imply causation.  Areas that are more diverse also tend to have other characteristics that could cause the negative effects mentioned in your link.  Age and wealth are mentioned, but there is much more than than to be considered.

I'm a fan of Putnam's "Bowling Alone," but I think he may be off base here. 

"In diverse San Francisco and Los Angeles, about 30 percent of people say that they trust neighbors a lot. In ethnically homogeneous communities in the Dakotas, the figure is 70 percent to 80 percent."
This is also comparing large cities to small towns.

Honestly, I wouldn't put a whole lot of stock in a report that is yet to be published, and it's difficult to say what he actually did and what parameters and specs he used.

I was born and raised in the 'burbs of DC, and now I'd consider myself a city girl.  Love it.  I've had to move away for graduate school (in Urban Affairs and Public Policy), and man, college town life stinks.  I'm just waiting to go back to Baltimore (which is another possibility of where icup is talking about).</description>
		<content:encoded><![CDATA[<p>@Kelly,</p>
<p>Everyone say it with me&#8211; correlation does not imply causation.  Areas that are more diverse also tend to have other characteristics that could cause the negative effects mentioned in your link.  Age and wealth are mentioned, but there is much more than than to be considered.</p>
<p>I&#8217;m a fan of Putnam&#8217;s &#8220;Bowling Alone,&#8221; but I think he may be off base here. </p>
<p>&#8220;In diverse San Francisco and Los Angeles, about 30 percent of people say that they trust neighbors a lot. In ethnically homogeneous communities in the Dakotas, the figure is 70 percent to 80 percent.&#8221;<br />
This is also comparing large cities to small towns.</p>
<p>Honestly, I wouldn&#8217;t put a whole lot of stock in a report that is yet to be published, and it&#8217;s difficult to say what he actually did and what parameters and specs he used.</p>
<p>I was born and raised in the &#8216;burbs of DC, and now I&#8217;d consider myself a city girl.  Love it.  I&#8217;ve had to move away for graduate school (in Urban Affairs and Public Policy), and man, college town life stinks.  I&#8217;m just waiting to go back to Baltimore (which is another possibility of where icup is talking about).</p>
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		<title>By: Chad</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93558</link>
		<dc:creator>Chad</dc:creator>
		<pubDate>Wed, 25 Jul 2007 17:31:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93558</guid>
		<description>Speaking of talking personal finance at the barbers:  The Wealthy Barber is a pretty good book about basics of personal finance.</description>
		<content:encoded><![CDATA[<p>Speaking of talking personal finance at the barbers:  The Wealthy Barber is a pretty good book about basics of personal finance.</p>
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		<title>By: Greg C.</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93555</link>
		<dc:creator>Greg C.</dc:creator>
		<pubDate>Wed, 25 Jul 2007 17:02:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93555</guid>
		<description>I am not a social person ( I have social anxiety and the people closest to me do also. Suffice it to say, we pretty much stick to ourselves) so that aspect really doesn't matter much to me. It's all the same to me. Though in some ways, a small town might be WORSE for that ( harder to be anonymous, not wanting to see childhood tormentors, etc) I am more interested in cost, convenience,etc.

I have never lived in a real "city." I grewup in small towns and seasonal towns. As an adult I have lived in those towns and suburbs, mostly. I have found living in suburbs near a big city is best for me. It seems like a small town, but if you really need to go into the city you can. Especially if you need to work in the city but live outside ( and save money,etc).

Fortunately, there are many ways to live that are NOT based on location whatsoever. Who cares if there is a computer store in a small town? I wouldnt even notice one in a big city. Shopping? Thats what this internet thing is for. Well, except produce and things like that. ( I DO expect 24 hour grocery stores with self-checkout- so that probably eliminates some small towns). As long as there are grocery stores and gas stations somewhere, thats about all I need. 

I think technology makes a form of "arbitrage" possible without needing to live in foreign lands. A lot of goods have the same cost ( and domestic shipping rates) regardless of your location, and certain occupations produce the same income. If those factors are stable, then you can shop based more on housing costs, quality of life,etc.</description>
		<content:encoded><![CDATA[<p>I am not a social person ( I have social anxiety and the people closest to me do also. Suffice it to say, we pretty much stick to ourselves) so that aspect really doesn&#8217;t matter much to me. It&#8217;s all the same to me. Though in some ways, a small town might be WORSE for that ( harder to be anonymous, not wanting to see childhood tormentors, etc) I am more interested in cost, convenience,etc.</p>
<p>I have never lived in a real &#8220;city.&#8221; I grewup in small towns and seasonal towns. As an adult I have lived in those towns and suburbs, mostly. I have found living in suburbs near a big city is best for me. It seems like a small town, but if you really need to go into the city you can. Especially if you need to work in the city but live outside ( and save money,etc).</p>
<p>Fortunately, there are many ways to live that are NOT based on location whatsoever. Who cares if there is a computer store in a small town? I wouldnt even notice one in a big city. Shopping? Thats what this internet thing is for. Well, except produce and things like that. ( I DO expect 24 hour grocery stores with self-checkout- so that probably eliminates some small towns). As long as there are grocery stores and gas stations somewhere, thats about all I need. </p>
<p>I think technology makes a form of &#8220;arbitrage&#8221; possible without needing to live in foreign lands. A lot of goods have the same cost ( and domestic shipping rates) regardless of your location, and certain occupations produce the same income. If those factors are stable, then you can shop based more on housing costs, quality of life,etc.</p>
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		<title>By: budget software &#187; Archive &#187; Late breaking news</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93518</link>
		<dc:creator>budget software &#187; Archive &#187; Late breaking news</dc:creator>
		<pubDate>Wed, 25 Jul 2007 05:28:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93518</guid>
		<description>[...] Small-Town &#60;b&#62;Personal Finance&#60;/b&#62; [...]</description>
		<content:encoded><![CDATA[<p>[...] Small-Town &lt;b&gt;Personal Finance&lt;/b&gt; [...]</p>
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		<title>By: Justin</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93515</link>
		<dc:creator>Justin</dc:creator>
		<pubDate>Wed, 25 Jul 2007 02:38:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93515</guid>
		<description>I never knew that the Pacific Northwest could seem so much like the South.  I love my little town and do not mind it trying to grow but you hate to lose that small town feel.</description>
		<content:encoded><![CDATA[<p>I never knew that the Pacific Northwest could seem so much like the South.  I love my little town and do not mind it trying to grow but you hate to lose that small town feel.</p>
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		<title>By: Brip Blap</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93512</link>
		<dc:creator>Brip Blap</dc:creator>
		<pubDate>Wed, 25 Jul 2007 02:14:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93512</guid>
		<description>I love living in a multicultural, multi-ethnic area like New York.  I have been to Iranian weddings, Greek anniversary parties, Spanish opera, Chinese markets, Croatian restaurants, Arabian photography exhibits, heard Portuguese fado singers, and danced at Turkish restaurants - the list is endless.  It's not for everyone, but having grown up in a small town in the South, with a rich, deep and varied culture of its own I would say that more is better. That is, the more people of this planet I come in contact with, and the more I see of their cultures and music and film and cuisine and traditions, the happier I am.  

That's just me.  I love variety.  If I didn't love the variety as much, I could move back to my small hometown and get less variety, but still a rich, albeit homogeneous, culture.</description>
		<content:encoded><![CDATA[<p>I love living in a multicultural, multi-ethnic area like New York.  I have been to Iranian weddings, Greek anniversary parties, Spanish opera, Chinese markets, Croatian restaurants, Arabian photography exhibits, heard Portuguese fado singers, and danced at Turkish restaurants - the list is endless.  It&#8217;s not for everyone, but having grown up in a small town in the South, with a rich, deep and varied culture of its own I would say that more is better. That is, the more people of this planet I come in contact with, and the more I see of their cultures and music and film and cuisine and traditions, the happier I am.  </p>
<p>That&#8217;s just me.  I love variety.  If I didn&#8217;t love the variety as much, I could move back to my small hometown and get less variety, but still a rich, albeit homogeneous, culture.</p>
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		<title>By: JenK</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93502</link>
		<dc:creator>JenK</dc:creator>
		<pubDate>Tue, 24 Jul 2007 23:07:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93502</guid>
		<description>Kelly, 

I agree that someone who is thinking "Oh I want to live with other cultures so I can learn more about them" is going to have a rough time.  But the people I know who are concerned about diversity are in already in multicultural families. People want to fit in, and especially they want their kids to feel "normal". One way to do that it to look for other families that look like you. A third-generation Korean-American married to a blond guy, or a black woman living with her white boyfriend, or a white woman raising a black kid - they don't want a Korean or black neighborhood, they want a multicultural area, with a variety of families in the mix. 

Or as one former coworker would say, "Yeah, I miss living in a small town in Eastern Washington..." and his India-born wife would finish, "But you got REAL tired of how people would stop and stare at us on the street!  Thank God we're back in Seattle where we're NORMAL!"</description>
		<content:encoded><![CDATA[<p>Kelly, </p>
<p>I agree that someone who is thinking &#8220;Oh I want to live with other cultures so I can learn more about them&#8221; is going to have a rough time.  But the people I know who are concerned about diversity are in already in multicultural families. People want to fit in, and especially they want their kids to feel &#8220;normal&#8221;. One way to do that it to look for other families that look like you. A third-generation Korean-American married to a blond guy, or a black woman living with her white boyfriend, or a white woman raising a black kid - they don&#8217;t want a Korean or black neighborhood, they want a multicultural area, with a variety of families in the mix. </p>
<p>Or as one former coworker would say, &#8220;Yeah, I miss living in a small town in Eastern Washington&#8230;&#8221; and his India-born wife would finish, &#8220;But you got REAL tired of how people would stop and stare at us on the street!  Thank God we&#8217;re back in Seattle where we&#8217;re NORMAL!&#8221;</p>
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		<title>By: Dave</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93493</link>
		<dc:creator>Dave</dc:creator>
		<pubDate>Tue, 24 Jul 2007 19:51:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93493</guid>
		<description>Dave (post # 11)

icup may be talking about State College, PA which is home to Penn State University. It is about 3 hours from Philadelphia (which is the city with the high murder rate).</description>
		<content:encoded><![CDATA[<p>Dave (post # 11)</p>
<p>icup may be talking about State College, PA which is home to Penn State University. It is about 3 hours from Philadelphia (which is the city with the high murder rate).</p>
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		<title>By: Jose</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93492</link>
		<dc:creator>Jose</dc:creator>
		<pubDate>Tue, 24 Jul 2007 19:49:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93492</guid>
		<description>I moved to Seattle a couple of years ago. Now I think Portland is a small town. Canby is a nice place (I used to live in Hubbard). I didn't like the traffic there that much compare to Portland. Otherwise, it's cool.</description>
		<content:encoded><![CDATA[<p>I moved to Seattle a couple of years ago. Now I think Portland is a small town. Canby is a nice place (I used to live in Hubbard). I didn&#8217;t like the traffic there that much compare to Portland. Otherwise, it&#8217;s cool.</p>
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		<title>By: MVP</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93490</link>
		<dc:creator>MVP</dc:creator>
		<pubDate>Tue, 24 Jul 2007 18:40:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93490</guid>
		<description>Hallelujah, Kevin. Seems everyone wants to do what I do for a living, 'cuz it's "fun". Well, now that I'm older, I wish someone would've slapped me when I was 19, an idealist in college, and pursuing a career that was "fun" but really wouldn't make me much money and has a b*tch of a job market. I've moved all over the country in the past 8 years because I must go where the jobs are, and I still barely earn enough to fly home when someone in my extended family dies or gets married. Seriously, it's not worth it. I know this is off the subject, but Kevin got me going...Please, share this story with your teenage children when they're considering their futures. One day, they will likely want to buy a home and support a family, and they may want to be able to live near their extended family, which may very well be in a small town. So my advice is to steer them toward a career that will allow the flexibility to do so. 
Also Kevin, everyone where I live is an engineer. Think nuclear reservation, dept. of energy, etc. and you've got it made, small-ish town and all.</description>
		<content:encoded><![CDATA[<p>Hallelujah, Kevin. Seems everyone wants to do what I do for a living, &#8216;cuz it&#8217;s &#8220;fun&#8221;. Well, now that I&#8217;m older, I wish someone would&#8217;ve slapped me when I was 19, an idealist in college, and pursuing a career that was &#8220;fun&#8221; but really wouldn&#8217;t make me much money and has a b*tch of a job market. I&#8217;ve moved all over the country in the past 8 years because I must go where the jobs are, and I still barely earn enough to fly home when someone in my extended family dies or gets married. Seriously, it&#8217;s not worth it. I know this is off the subject, but Kevin got me going&#8230;Please, share this story with your teenage children when they&#8217;re considering their futures. One day, they will likely want to buy a home and support a family, and they may want to be able to live near their extended family, which may very well be in a small town. So my advice is to steer them toward a career that will allow the flexibility to do so.<br />
Also Kevin, everyone where I live is an engineer. Think nuclear reservation, dept. of energy, etc. and you&#8217;ve got it made, small-ish town and all.</p>
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		<title>By: Canadian Dream</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93489</link>
		<dc:creator>Canadian Dream</dc:creator>
		<pubDate>Tue, 24 Jul 2007 18:36:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93489</guid>
		<description>Perhaps its just me, but I'm not a big fan of small towns.  They just tend to be too small for my lifestyle where I like a good sized library and a good movie complex.  So I tend to cut the difference and go for smaller cities with many of the similar benifits of smaller towns, but with a few extra services.

I've lived in areas with population ranging from 20,000 to 800,000 and I've found I rather like the 200,000 range.  It is a good balance of cost of living vs service you can get.  I suppose another way to get this would be to just move to a small town fairly close to a larger city, but I personally don't like driving all the time.

My two cents,
CD</description>
		<content:encoded><![CDATA[<p>Perhaps its just me, but I&#8217;m not a big fan of small towns.  They just tend to be too small for my lifestyle where I like a good sized library and a good movie complex.  So I tend to cut the difference and go for smaller cities with many of the similar benifits of smaller towns, but with a few extra services.</p>
<p>I&#8217;ve lived in areas with population ranging from 20,000 to 800,000 and I&#8217;ve found I rather like the 200,000 range.  It is a good balance of cost of living vs service you can get.  I suppose another way to get this would be to just move to a small town fairly close to a larger city, but I personally don&#8217;t like driving all the time.</p>
<p>My two cents,<br />
CD</p>
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		<title>By: Joe</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93487</link>
		<dc:creator>Joe</dc:creator>
		<pubDate>Tue, 24 Jul 2007 18:03:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93487</guid>
		<description>Anytime of the day it takes me 10 minutes to get to the grocery store compared to a variable amount with the traffic messes in cities.    

I also have 4 golf courses within 15 minutes of me.    After work $12-$14 for 9 holes, I will take this anyday over "city life".</description>
		<content:encoded><![CDATA[<p>Anytime of the day it takes me 10 minutes to get to the grocery store compared to a variable amount with the traffic messes in cities.    </p>
<p>I also have 4 golf courses within 15 minutes of me.    After work $12-$14 for 9 holes, I will take this anyday over &#8220;city life&#8221;.</p>
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		<title>By: Kelly</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93484</link>
		<dc:creator>Kelly</dc:creator>
		<pubDate>Tue, 24 Jul 2007 17:39:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93484</guid>
		<description>Sorry, remove the period from the link:  http://www.city-journal.org/html/eon2007-06-25jl.html

Also, my post is misleading in that the article focuses on crime, it does not... it focuses more on how neighborhoods and infrastructure / political relations are perceived.</description>
		<content:encoded><![CDATA[<p>Sorry, remove the period from the link:  <a href="http://www.city-journal.org/html/eon2007-06-25jl.html" rel="nofollow">http://www.city-journal.org/html/eon2007-06-25jl.html</a></p>
<p>Also, my post is misleading in that the article focuses on crime, it does not&#8230; it focuses more on how neighborhoods and infrastructure / political relations are perceived.</p>
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		<title>By: Kelly</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93483</link>
		<dc:creator>Kelly</dc:creator>
		<pubDate>Tue, 24 Jul 2007 17:35:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93483</guid>
		<description>OK, I know I'm going to be flamed for this, but sometimes ethnic diversity is not beneficial.  I just want to point out there are drawbacks as well.  

We'd be stupid to ignore that some groups don't mix well.  Also, how does diversity affect crime factors?  From what I can tell, not so hot... here is just one article I read regarding some studies:  http://www.city-journal.org/html/eon2007-06-25jl.html.

Please please please don't hound me or call me racist etc... people are mentioning it and I wanted to show both sides of the ethnic diversity argument.

I will also point out that although I live in a state that is 95% caucasion (ND) we do have some areas (Fargo mainly) that have very active cultural centers.</description>
		<content:encoded><![CDATA[<p>OK, I know I&#8217;m going to be flamed for this, but sometimes ethnic diversity is not beneficial.  I just want to point out there are drawbacks as well.  </p>
<p>We&#8217;d be stupid to ignore that some groups don&#8217;t mix well.  Also, how does diversity affect crime factors?  From what I can tell, not so hot&#8230; here is just one article I read regarding some studies:  <a href="http://www.city-journal.org/html/eon2007-06-25jl.html" rel="nofollow">http://www.city-journal.org/html/eon2007-06-25jl.html</a>.</p>
<p>Please please please don&#8217;t hound me or call me racist etc&#8230; people are mentioning it and I wanted to show both sides of the ethnic diversity argument.</p>
<p>I will also point out that although I live in a state that is 95% caucasion (ND) we do have some areas (Fargo mainly) that have very active cultural centers.</p>
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		<title>By: Adam</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93482</link>
		<dc:creator>Adam</dc:creator>
		<pubDate>Tue, 24 Jul 2007 17:19:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93482</guid>
		<description>Good post! What the deal with people and ethnic diversity? I could care a less about the ethnicity of people living around me as long as they're good people.</description>
		<content:encoded><![CDATA[<p>Good post! What the deal with people and ethnic diversity? I could care a less about the ethnicity of people living around me as long as they&#8217;re good people.</p>
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		<title>By: Anon</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93480</link>
		<dc:creator>Anon</dc:creator>
		<pubDate>Tue, 24 Jul 2007 16:10:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93480</guid>
		<description>I love small towns. All they really need is broadband or satellite access for home businesses and they could stay "home towns." They could attract telecommuters or home business owners who prefer a quiet daytime atmosphere (say this as the guy next door bangs on his house with a hammer for the umpteenth time). As long as they are making a living with out of county dollars, it becomes a good deal. No problem in employment then. Of course, if you have kids, the small towns may not be that much fun for them.</description>
		<content:encoded><![CDATA[<p>I love small towns. All they really need is broadband or satellite access for home businesses and they could stay &#8220;home towns.&#8221; They could attract telecommuters or home business owners who prefer a quiet daytime atmosphere (say this as the guy next door bangs on his house with a hammer for the umpteenth time). As long as they are making a living with out of county dollars, it becomes a good deal. No problem in employment then. Of course, if you have kids, the small towns may not be that much fun for them.</p>
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		<title>By: Dave</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93472</link>
		<dc:creator>Dave</dc:creator>
		<pubDate>Tue, 24 Jul 2007 15:32:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93472</guid>
		<description>@icup, I'm interested what city/state you currently reside in.</description>
		<content:encoded><![CDATA[<p>@icup, I&#8217;m interested what city/state you currently reside in.</p>
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		<title>By: Beth</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93471</link>
		<dc:creator>Beth</dc:creator>
		<pubDate>Tue, 24 Jul 2007 15:18:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93471</guid>
		<description>@Kevin:  What kind of engineering?  There are a lot of mine jobs even for people who aren't geo or petrol engineers in a lot of small towns in the West, and a phenomenally growing market for systems, structural, and control engineers in sustainable technologies (windfarms, biodiesel plants, etc.) in the West again and in the corn belt.  A lot of manufacturing jobs in the South. I could probably offer some more specific examples with more information.

Part of the problem with professional jobs in small towns - people who have them keep them until they &lt;i&gt;die&lt;/i&gt;.  And they usually have an informally known successor.  The trick is to position yourself as a successor.  I became a library tech in a library with a horribly low turnover by volunteering, making friends on the staff and Board of Trustees, making myself valuable, and working at Subway for two years.  Subway was tolerable only because I'd been pretty much promised the next job that opened up at the library, and sure enough, I got it.  Likewise, your best strategy might be to find a community you like with jobs in your field or a field you'd like to get into - even if they're not available at the time you move - and spend some downtime on professional development, freelancing, and networking.</description>
		<content:encoded><![CDATA[<p>@Kevin:  What kind of engineering?  There are a lot of mine jobs even for people who aren&#8217;t geo or petrol engineers in a lot of small towns in the West, and a phenomenally growing market for systems, structural, and control engineers in sustainable technologies (windfarms, biodiesel plants, etc.) in the West again and in the corn belt.  A lot of manufacturing jobs in the South. I could probably offer some more specific examples with more information.</p>
<p>Part of the problem with professional jobs in small towns - people who have them keep them until they <i>die</i>.  And they usually have an informally known successor.  The trick is to position yourself as a successor.  I became a library tech in a library with a horribly low turnover by volunteering, making friends on the staff and Board of Trustees, making myself valuable, and working at Subway for two years.  Subway was tolerable only because I&#8217;d been pretty much promised the next job that opened up at the library, and sure enough, I got it.  Likewise, your best strategy might be to find a community you like with jobs in your field or a field you&#8217;d like to get into - even if they&#8217;re not available at the time you move - and spend some downtime on professional development, freelancing, and networking.</p>
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		<title>By: icup</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93470</link>
		<dc:creator>icup</dc:creator>
		<pubDate>Tue, 24 Jul 2007 15:13:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93470</guid>
		<description>I hope I never have to move away from a small town. I live in a college town and work at the university. There's plenty of technology jobs around here, my salary is still higher than average, but cost of living is still cheaper. The big city is within a 3-hour drive, which is close enough for me. Truly the best of both worlds.

The best part is the relative lack of crime though. Murders, grand theft, B&#38;E, etc is all extremely rare here. In the nearest city, there was talk recently about the 256 murders that have occurred in the first 6 months of 2007 alone.</description>
		<content:encoded><![CDATA[<p>I hope I never have to move away from a small town. I live in a college town and work at the university. There&#8217;s plenty of technology jobs around here, my salary is still higher than average, but cost of living is still cheaper. The big city is within a 3-hour drive, which is close enough for me. Truly the best of both worlds.</p>
<p>The best part is the relative lack of crime though. Murders, grand theft, B&amp;E, etc is all extremely rare here. In the nearest city, there was talk recently about the 256 murders that have occurred in the first 6 months of 2007 alone.</p>
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		<title>By: Ali</title>
		<link>http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93468</link>
		<dc:creator>Ali</dc:creator>
		<pubDate>Tue, 24 Jul 2007 15:05:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/2007/07/24/small-town-personal-finance/#comment-93468</guid>
		<description>I moved from New York City to a town of 4000 in the Canadian Arctic and I love it. There is a lot of time to just be. Special events happen less frequently and are more significant because there are fewer of them. Life is much slower. People do still rush around, but it is not as intense as in a larger city. Cell service is analog only and doesn't work outside of town. When the beach is crowded, there is still plenty of room and you know many of the people there. 
From a purely financial viewpoint, it's pretty good. Housing and food are expensive, but we receive a cost of living allowance, plus tax incentives. 
There are always ways to overspend your funds if you want to but I enjoy the small town life.</description>
		<content:encoded><![CDATA[<p>I moved from New York City to a town of 4000 in the Canadian Arctic and I love it. There is a lot of time to just be. Special events happen less frequently and are more significant because there are fewer of them. Life is much slower. People do still rush around, but it is not as intense as in a larger city. Cell service is analog only and doesn&#8217;t work outside of town. When the beach is crowded, there is still plenty of room and you know many of the people there.<br />
From a purely financial viewpoint, it&#8217;s pretty good. Housing and food are expensive, but we receive a cost of living allowance, plus tax incentives.<br />
There are always ways to overspend your funds if you want to but I enjoy the small town life.</p>
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