The hottest Affordability Substack posts right now

And their main takeaways
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"Affordable" clothes are wack

Blackbird Spyplane • 2279 implied HN points • 01 Aug 23
🪞 Fashion & Beauty Clothing Style Affordability Shopping Fashion Industry
  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.

Mortgage affordability and excess rents

Erdmann Housing Tracker • 63 implied HN points • 06 Mar 24
💰 Finance Housing Market Affordability Home Prices Market Analysis
  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.

Inflation Adjusted House Prices 2.4% Below Peak

CalculatedRisk Newsletter • 19 implied HN points • 05 Mar 24
💰 Finance Real Estate Inflation Affordability Indexes Housing
  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.
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The Learning Leapfrog In Liberia, Sierra Leone

The Future of Education • 235 implied HN points • 29 Mar 23
🚌 Education Technology Learning Implementation Affordability
  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.

A deep dive on Bitcoin's flaws and how to fix them

Senatus’s Newsletter • 78 implied HN points • 21 Jul 23
🔮 Crypto Security Decentralization Affordability Scalability
  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.

"We need 'affordable' housing, not market rate housing" is much worse than it seems.

Erdmann Housing Tracker • 105 implied HN points • 03 May 23
💼 Business Housing Affordability Displacement Urban Development
  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.

Where Are Housing Prices Headed?

Spilled Coffee • 0 implied HN points • 28 Feb 24
💰 Finance Housing Real Estate Mortgage Rates Home Prices Affordability
  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.

Housing Is Scarce Because Property Rights Are Weak

Cornerstone • 0 implied HN points • 08 Dec 23
🇺🇸 U.S. Politics Housing Property Rights Supreme Court Zoning Affordability
  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.