@Robert59 - With respect to your original question about a pool: if you're considering purchasing a place that already has a pool, that's one thing. If you're considering adding an in-ground pool to a property you already own, the cost of chemicals and upkeep will be a pittance compared to the cost of putting in the pool itself. In my area new pools run $35K at the very least, most are closer to $50K - $60K. When selling a house it adds around $10K in value.
Before taking the plunge (so to speak), think carefully about how many years you're likely to enjoy the pool and how many months within those years you'll use it.
If you figure on 20 years, 4 months a year of use (presuming Tenn or Mich), and $50K investment with a $10K return on investment. So $40K net, if no financing or need for repairs. That'd be $500 per month of enjoyment.
Our house had a pool when we bought it (it was on our must-have list). With a two year old and me pregnant with twins, we expected the pool to provide many years of entertainment - and it did. Two of my children have purchased homes within 15 miles of us, both homes had pools (must-haves on their lists, too).