The hottest Affordability Substack posts right now

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The Most Important Word in The Democratic Party Platform for Health care

HEALTH CARE un-covered • 659 implied HN points • 23 Aug 24
🏥 Health Politics Health Policy Insurance Medications Affordability Public Health
  1. The Democratic Party wants to expand healthcare benefits so that everyone can afford their medications, even those without insurance.
  2. Many people have gaps in their health coverage, which can be dangerous if they rely on medications like insulin.
  3. Including everyone in cost caps for medications can help prevent medical debt and save lives by ensuring people have access to necessary treatments.

💊💉 The future of weight loss drugs: A Quick Q&A with … analyst (and superforecaster) Greg Justice

Faster, Please! • 548 implied HN points • 07 Jan 25
🏥 Health Politics Pharmaceuticals Healthcare access Regulations Affordability
  1. GLP-1 medications like Ozempic and Wegovy are changing how obesity is treated. They might also help with other health issues, making them seem like wonder drugs.
  2. While these drugs are becoming more popular, there are challenges in getting them to the people who need them, mainly about their costs and healthcare regulations.
  3. It looks like prices for GLP-1s may drop slightly due to competition, but significant price control changes are not expected anytime soon.

The Scoop On The High Sport Dupe | Part Two

Total Rec • 3774 implied HN points • 17 Feb 24
🪞 Fashion & Beauty Clothing Style Quality Affordability Marketing
  1. The review highlights various brands offering high sport pants dupes, discussing their materials, fit, and overall look.
  2. The article examines the influence of marketing strategies on popularizing the high sport pants, questioning the authenticity of hype and considering the financial incentives for recommendations.
  3. Old Navy's affordable and quality extra high-waisted pants stand out among the reviewed options, impressing with their feel, fit, and stylish look at a budget-friendly price.

NEW EVENT: How the YIMBYs won

Odds and Ends of History • 335 implied HN points • 02 Feb 25
🇺🇸 U.S. Politics Housing policy Political movement Campaign strategies Government Affordability
  1. The YIMBY movement focuses on making housing more affordable and accessible, which has gained attention in British politics. It's about saying 'Yes In My Back Yard' to new housing developments.
  2. Over time, the YIMBY movement has shifted the political conversation in Westminster, making housing a key issue that politicians now care about. Even high-level politicians, like the Prime Minister, are aligning with this movement.
  3. There will be a live event where Anya Martin, a key figure in the YIMBY movement, will discuss how it changed the political landscape and how they managed to win the housing debate.

"Affordable" clothes are wack

Blackbird Spyplane • 2318 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.
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no. 65: amusement parks

let them eat cake • 439 implied HN points • 25 Feb 23
🍲 Food & Drink Cuisine Dining Experience Food culture Affordability Authenticity
  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.

Why Are Mortgage Rates Rising?

Spilled Coffee • 24 implied HN points • 23 Oct 24
💰 Finance Mortgage Rates Interest Rates Economic Growth Affordability Housing Market
  1. Mortgage rates are influenced by the 10-Year Treasury Yield, which reacts to the economy's growth and inflation expectations. Even though the Fed cut interest rates, mortgage rates have actually gone up because of the rising Treasury Yield.
  2. Currently, the 30-Year Fixed Mortgage rate is at 7.26%, the highest since July, showing a steady rise despite expectations for a decrease. This rise has persisted for four consecutive weeks.
  3. High mortgage rates and low affordability are causing home sales to decline significantly, with September recording the lowest closed sales of existing homes since 2012. Mortgage applications also dropped sharply, indicating a cooling housing market.

The Learning Leapfrog In Liberia, Sierra Leone

The Future of Education • 238 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 Speed 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.

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.

Two different ways to build housing

The New Urban Order • 59 implied HN points • 24 May 23
💼 Business Housing Affordability Public Sector Private sector
  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.

"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.

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.

Holiday on Omicron Ice

Ladyparts • 99 implied HN points • 22 Dec 21
🏥 Health Politics COVID-19 Response Healthcare system Affordability Insurance Coverage
  1. Being prepared for the Omicron variant is crucial as it can unpredictably impact families, communities, and healthcare systems.
  2. Disparities in access to Covid testing exist globally, with some countries offering free or affordable tests while others struggle with availability and cost.
  3. The financial strain of Covid testing can significantly impact individuals and families, especially with the rising costs of living and limited access to free tests in the U.S.

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.