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

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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

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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

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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

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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

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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

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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

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