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Tag Archives: debt
Foundation Housing: Permanently Affordable Housing in San Francisco Pitch
I had the pleasure of meeting with a district supervisor of San Francisco, Jane Kim, and found the #3 priority on her whiteboard was “Non-Profit Displacement”, and #1 was “Balanced Housing”. So Foundation Housing would fit in both categories. I … Continue reading
Is there a way to decrease total debt?
“Spend less, save more” is the advice for the individual to decrease debt, but what about thinking system-wide? What does it take to have less total debt in society? Counter-intuitively, the key to having less total debt is to have … Continue reading
Virtue in Failing the Credit Game?
I was turned down for an American Express card. Repeatedly. I have plenty of money and, when I enquired about my “credit score” I found it in the 700’s which they say is quite good. So why was I turned … Continue reading
Who Wins from Inflation?
“No one wins from Inflation.” “We must slay the Dragon of Inflation.” “Inflation hurts everyone.” Call me skeptical, but I am starting to question statements that start with “everyone” and “no one”. Let me take a couple of recent examples. … Continue reading
Pay it off once, and never again
From a house’s point of view, it must seem odd to have to be paid off again and again as if it were being rebuilt anew every few years. A house could be built and then paid off, then enjoyed … Continue reading
Welcome to the Real World, You are Now in Debt
There has been a focus on the exploding problems of student debt, which are sinking a large population a critical point in their lives. But even if you are not under student loans, once you move out of your parent’s … Continue reading
Cost of Debt in Housing
Is it practical to live debt free? I would say yes, but it will take being a bit clever. This is an important topic because I will try to show that for most Americans most of our housing cost is … Continue reading