I also find humorous the anger directed at local utility companies, particularly electric. As regulated entities, these companies are allowed to recover their costs of operation plus a pre-determined rate of return on their investments. Typically, if they exceed that allowed rate of return there is some sort of sharing mechanism or refund of the over-earnings.
Since the legislators saw fit to de-regulate the electric utility market, and fuel prices went through the roof, our electric bills have risen dramatically. But it's primarily the generation portion of electric bills that is driving the massive increases...and these dollars do NOT go to your local electric distributor...they go to the generators of electricity, the Dukes, Constellations, etc. Combine this with "federally mandated congestion charges" (which reflect that our transmission systems are having difficulty delivering the demanded MWHs of energy) and you have radidly rising prices. Yet the distribution Company catches all the s***, because people just don't care to understand how market works.
As for housing and rates? I'm at 4.5% fixed which we got when we purchased of our modest raised ranch on a cul de sac loaded with kids for about $180k 6 or 7 years ago. Zillow.com says the house is worth $380k now. Not bad. We had wanted the 8 room colonial on an acre...but scaled our goals back and got a decent home in a great area, good schools, tree-lined streets, etc. Meanwhile, my wife has remained a stay at home mom, but is back in school to become an RN.
You can make ends meet if you are smart, conservative and don't require every gadget ever known to mankind. It is uUnfortunate that the government is now expected by some to bail out those who could not or will not live within their own means.
I've done my best to not end up in the situation some others have...why should I have to foot their bill?