The hottest Affordability Substack posts right now

And their main takeaways
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Blackbird Spyplane • 2279 implied HN points • 01 Aug 23
  1. Avoid relying solely on 'affordable' clothing recommendations as they might lack uniqueness and quality.
  2. Focus on developing a M.I.N.D.S.E.T. Mindset when selecting clothes, valuing personal style and creativity over just price.
  3. Consider investing in unique pieces that reflect your taste rather than settling for generic 'affordable' options.
Erdmann Housing Tracker • 63 implied HN points • 06 Mar 24
  1. Mortgage affordability is affected by prevailing mortgage rates, which can impact transaction volume and buyer costs.
  2. The measure of mortgage affordability must be used with caution as inflation and buyer behavior play significant roles in housing market dynamics.
  3. The rental value of structures versus inflated land value over time can affect the dynamics of home prices and construction, highlighting the complexity of the housing market.
let them eat cake • 439 implied HN points • 25 Feb 23
  1. Urban Hawker in New York tries to replicate the essence of Singaporean hawker culture, but falls short in capturing the full experience.
  2. Hawker food is more than just dishes; it's a system of practices, relationships, and locations that define its authenticity.
  3. The affordability and accessibility of hawker culture in Singapore is crucial for its value and quality of life, and replicating it in a different economic context raises ethical concerns.
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CalculatedRisk Newsletter • 19 implied HN points • 05 Mar 24
  1. Real house prices in the US are currently 2.4% below the recent peak, indicating a slight decline in prices adjusted for inflation.
  2. It's important to consider the price-to-rent ratio to understand the affordability of housing markets.
  3. National house prices are historically high after being 10.2% above the bubble peak level, despite the market's ups and downs over 17 years.
The Future of Education • 235 implied HN points • 29 Mar 23
  1. Using technology to personalize learning is helping children in Liberia and Sierra Leone improve reading and math skills.
  2. Implementing tablet-based learning programs can have a significant impact on education in resource-constrained countries.
  3. Affordable and sustainable solutions, like tablet-based learning, can revolutionize education systems in developing nations.
Erdmann Housing Tracker • 105 implied HN points • 03 May 23
  1. The cost of housing in a city with ample supply is determined by resident incomes and allows for comfortable spending.
  2. In cities with housing shortages, the cost of housing is determined by other residents' incomes, leading to displacement and competition.
  3. Constructing new market rate housing can help flatten the cost of housing for all income levels and break the chain of displacement.
Senatus’s Newsletter • 78 implied HN points • 21 Jul 23
  1. A perfect cryptocurrency needs to have uncensorability, certainty of supply, and transferability as a store of value.
  2. Bitcoin faces challenges with decreasing security spend and centralization of hashrate, impacting its resilience to attacks.
  3. Issues in Bitcoin such as affordability, speed, and scalability make it less efficient as a medium of exchange, while alternative cryptocurrencies offer better solutions.
The New Urban Order • 59 implied HN points • 24 May 23
  1. There are two main approaches to addressing the housing crisis: ADUs and public housing. ADUs are mostly private-sector driven, while public housing is paid for and administered by the public sector.
  2. Both ADUs and public housing are necessary to tackle the housing issue, but there are challenges like costs, time delays, and community opposition for public housing, and concerns about whether ADUs can truly benefit those most in need of affordable housing.
  3. Exploring both ADUs and public housing could provide a more holistic solution to the housing crisis by leveraging the strengths of each approach.
Cornerstone • 0 implied HN points • 08 Dec 23
  1. Housing scarcity can be linked to weak property rights, like the Supreme Court decision on zoning.
  2. The Supreme Court decision in 1926 upheld single-family zoning, prioritizing certain privileges for exclusive neighborhoods.
  3. The opinion reflected class prejudice and focused on spurious arguments about traffic, still relevant in housing advocacy today.
Spilled Coffee • 0 implied HN points • 28 Feb 24
  1. Mortgage rates are at historic highs, hovering between 7-8% and leading to all-time high home prices despite low affordability.
  2. Inventory shortage persists as people with locked-in low mortgage rates hesitate to sell, contributing to the rise in home prices.
  3. Even with rising interest rates and low affordability, US home prices show resilience with 12 consecutive years of gains, indicating a continuing strength in demand.