Keith Giglio: Road to nowhere

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Road to nowhere

Most of what I hear about affordable housing deals with the subject of who doesn't want to fund it. I might offer that we need to have a discussion of how to solve it. I wasn't around when the discussion started, so I don't know all the motivations. In any case, here is what it looks like today:

- Somebody thought we needed affordable housing for people who cannot buy adequate housing in the free market.

- The only way we can provide affordable housing is to find somebody to pay for it.

- For political expedience, if someone wants to build something new, we can impose an extra cost on them to help alleviate the necessary subsidy for affordable housing.

- Other communities have used things like inclusionary zoning and linkage fees to accomplish this subsidy, so we should too.

- Because the city of Steamboat Springs seems to be most impacted by the need for affordable housing, let's put the responsibility on their shoulders to provide it.

- The details of what we have created are not working for a variety of reasons, so let's can the whole scheme.

I have heard people argue that housing always has been a challenge for new folks coming to Steamboat. But this idea does not distinguish who should benefit from affordable housing. If your only reason to come to Routt County is to ski, hunt, fish, meet new friends and then go back to school or go off to find a real job, then the community's concern for your housing is negligible. And it should not be of concern.

But, if the community needs teachers, nurses, firefighters or any other career employee and those people have to put cost of housing into their evaluation of Routt County, then our cost of housing becomes a problem. We will not solve this problem without some form of subsidy for the housing needed by the desired work force.

This reality leads to a couple of observations:

- The housing need is directly associated with the work force and should thus be imbedded directly into the employers' responsibilities.

- This is a regional need and should be addressed commonly at the regional level.

- Growth of the area exacerbates the need for more affordable housing, so yes, a financial disincentive should be levied on any form of development to reduce the new impact of more demands for supporting services and employment.

- The need for subsidized housing is not going to go away in the future. The remedy should be contemplated with a very long-term approach.

I have never liked the idea of waving a magic wand, but in the absence of someone else sticking their nose out on this issue, here is my not-so-perfect solution:

- Create a regional nonprofit with a board made up of employers from the region.

- Fund the organization with land and money coming from transfer fees, land trust, endowments, surcharges on all forms of development and construction, a portion of all tax revenues, and take money from anyone and everyone willing or able to give it. Heck, even take a portion of penalties for DUIs to put in the coffers.

- Then, build housing in a revenue-shared program between employers, the new homeowners and this nonprofit such that equity is shared among all three.

- Provide some profit incentive to any contractor/developer willing to build housing to satisfy this program.

Keith Giglio

Steamboat Springs

Comments

CenterRight 5 years, 1 month ago

No a bad solution. However, I was thinking, who ever said affoardable housing had to be housing that people owned? A seasonal worker or a young person that comes to Steamboat to enjoy the life style for a few years and works in one of the local businesses should not be able to afford a house in this market.

I worked hard to be able to afford a house in this market. Went to school, etc. What Steamboat needs is an affordable RENTAL Market with apartments that are not on the mountain. These would be for long-tern rental like every other community has for people that can not afford a house.

The issue in Steamboat is that local works are competing with tourist for the rental market when actually they are in two different markets. Steamboat does not have housing to support long term rental. Who says seasonal works & low income people should have a house. Housing is a depreciable asset at this time in our economy.

For those necessary infrastructure workers like Teachers, Police, & Fire Fighters; Steamboat needs to be able to build an affordable home for these individuals where we can attrach these workers. A community like Steamboat 700 might be able to do this, but builders & deverlopers will never be able to build affordable housing in the City of Steamboat based on current land prices. City Council needs to understand that and provide tax credits for a developor who markets to these types of families and local banks need to provide the lending to these families.

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aichempty 5 years, 1 month ago

Center,

You were so CLOSE!

Other places have rental housing because there are people with income to support it. Not the other way around.

Private employers need to ante up for housing for their employees, or do without.

Public employers need to provide a housing subsidy for essential employees in lieu of higher pay, or simply pay more.

Taxpayers should not get stuck with the bill for affordable housing for non-government employees. This is where nurses and medical technicians (x-ray, lab, etc.) get into a squishy category, but hospitals typically solve the problem by providng housing for contract employees. Non-profit hospitals are in a great position to use public funds from grants, endowments, etc., to provide employee housing for essential personnel.

So, we DO NOT need to provide low-cost rental housing for people who just want to live here, or just because they don't want to commute. Do we really want to become a Potemkin village for ski bums? Isn't it crowded enough?

If subsidized housing really makes sense, then why not subsidized ski passes for Routt County residents? Let's have the developers and Ski Corp provide half-price season passes to people who have worked in the county for two years or more. They can raise everybody else's prices to cover it. Not a problem, right?

It's the same thing.

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JLM 5 years, 1 month ago

Employers are mobile and make their decisions as to where to locate based upon the business environment and the local cost structure --- witness the mass exodus from California to points eastward because of the escalating costs of doing business in California. What is even more interesting is that the employees are all moving in the same direction.

Employers have no responsibility to provide a housing subsidy for the employees or to directly consider the cost of housing as it relates to their employees. Employers should pay a wage (including benefits) that is able to attract and retain the talent necessary to run their business.

Housing is a very person choice. Go look at all of the mining, timber, textile and farming "company towns" and see how well that worked out. This concept is one step removed from serfdom.

If you place an artificially higher demand on the employer then you will simply force them to reconsider the cost of doing business in SBS as opposed to other potentially less costly locations. There is almost nothing produced in SBS which cannot be produced elsewhere (well, except for the skiing, lol).

The author is perfectly correct that this is a "regional" problem and that affordable housing need not be fee simple single family housing.

If this is truly a business problem then the business marketplace will solve it. If it is a public policy issue, then the solution will have to funded by the public purse (please, no).

Today nobody really owns the problem but a dangerous liberal lunatic fringe wants to add to the cost of local real estate to attempt to "solve" it.

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Steve Lewis 5 years, 1 month ago

Some examples of the "dangerous lunatic fringe" currently using Linkage and/or Inclusionary Zoning:

Boulder Durango Carbondale Denver Glenwood Springs Garfield County Lafayette Longmont Aspen Basalt Crested Butte Frisco Gunnison County Mt. Crested Butte San Miguel County Snowmass Village Steamboat Springs Telluride

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Steve Lewis 5 years, 1 month ago

The last 10 on that list use both Linkage and Inclusionary Zoning. The first 8 use only Inclusionary Zoning.

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Fred Duckels 5 years, 1 month ago

Steve, Seems to me like a recipe for fueling growth and breeding dependency, quoting Andy Rooney we are "watering down our genes". All that I hear from our politicians is that they promise a free ride, they will care for everyone, with someone else's money of course. The free ride chickens have come home to roost, and social engineers will take us all down. The "money is no object" theory has been tried and we may not recover.

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JLM 5 years, 1 month ago

Hahahaha, yeah, I guess they're OK up there in Boulder, eh? Do you object more to "dangerous" or "lunatic"? I'll give you whichever you want.

"A bad idea idea held by a majority does not become a good idea."

For $100, who said that?

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Steve Lewis 5 years, 1 month ago

4gen, What are you talking about? Steamboat, the City, did not have any affordable housing regulation before 2006.

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Steve Lewis 5 years, 1 month ago

Aich, You argue if we subsidize housing we should also subsidize ski passes. "Its the same thing."

Housing a workforce is a way of stabilizing our labor pool. What is the benefit of the ski pass?

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4genlocal 5 years, 1 month ago

the way to solve the AH problem is to decrease the cost for the developer, contractor and thoes who actually build the AH. you do not accomplish this with requiring them to have AH units with in their development. that just raises the cost of every other unit.

the city started requiring this after 98 some time. and there has not been a true afordable for every one development since. it has turned into lets inflate the cost on 75% of the units to make up the difference.

there were people trying to help with the AH before this became such a problem. many of them kinda got away from working on it because they grew tired of fighting to keep it afordable. every time they turned around planning wanted them to do more and more. the more they did the more the price went up the more the price went up the more planning wanted them to do and so on. so now we are in our present situation.

one of steamboats biggest problems is there are too many outside influences. as a group we tend to look at what every one else is doing pick the worst of it, give it a shot and hope for a different result. just does not work

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Steve Lewis 5 years, 1 month ago

JLM, "Employers are mobile and make their decisions as to where to locate based upon the business environment and the local cost structure."

They also need a labor pool, right?

In 6 years Community Indicators shows about 700 new businesses here. 600 appear to have no employees. There is a hollowing effect in the diversity of Steamboat's economy. More business types, Scott Ford may argue. But these new businesses have something in common - no employees. Its not a healthy trend, and a smart city would address it, as we have. Lunatic?

Would you like to modify your "lunatics" desription of those 18 Colorado cities listed above, or are you only comfortable that one is lunatic? You usually tread higher ground than this.

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Fred Duckels 5 years, 1 month ago

Steve, The Pilot question of the week was 3-1 against you. Is the majority of the community entitled to an opinion, and why do they think that way?

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Steve Lewis 5 years, 1 month ago

"Should City Council suspend Steamboat's affordable housing ordinances?" The response was actually 2-1 in favor, Fred.

67% chose: "Yes, (the ordinances) are limiting development in a tough economic time."

When the poll's "yes" choice is equated as a development (jobs) promoter in tough economic times, it skews the poll "yes". When you have Friday's political columnist saying choose "yes" 2 days before the poll, it skews the poll to "yes". And these polls are notoriously "stuffed".

But I think I would lose the poll question even correcting those complaints. The "street" believed the ordinances were broken.

And I did lose the same argument at City Council. They voted 4-3 to set aside as voluntary the "broken" route of complaince. Developers probably will be able to pay cash in lieu, or impact fee, or something similar.

We are possibly headed to a land buying fund. Aside from the illegal and unwise choice of applying Steamboat generated funds to buy land for AH units in say, Hayden or Oak Creek, I think Tele and I are on the same page today - land leases beneath affordable housing.

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4genlocal 5 years, 1 month ago

steve i was not sure when they started to affordable housing regs. thanks for clearing that up. my point is the regs help a very select few and hurt the rest. no developer is giong to just suck up the bill for the AH units. so it turns to a 2 class development. people in the middle cant afford to pay for every one else, and cant make the cut for a hand out.

i am also trying to point out that the more restrictions placed on all housing the more the price goes up. why cant people see this. every reg that costs the developer a dollar costs the consumer more.

and i am refering to private developers trying to do afordable housing not some reg.

look at the development just below the cemetery not copper ridge the other one. lots started at 40,000 in 97, or 98. that was unheard of. the privatesector saw the need then

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Steve Lewis 5 years, 1 month ago

4gen, I don't know which vicinity of Copper Ridge you mean. I look at Silver Spur as a "metric". Its last lots in 2004 were $32K. Now200plus?

You are very attentive to "regulation presenting costs to the developer". A valley makes a choice doesn't it? Build according to a worthy standard (beautifull!), or build as cheaply as possible.

There is only one answer that make sense for a valley as exquisite as ours.

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Steve Lewis 5 years, 1 month ago

4gen, A free market affordable lot today would be great. (Silver Spur may have been an earlier price date. 2002?)

The Barn Village seems the only recent subdivision. I don't know the prices but I wouldn't think it was affordable - it was surrounded by fairly high end homes. I heard it was bought up by speculators.

The market has rocketed up with 3 years of 20% price gains. You would say the regs caused that. I'd say speculation and/or demand caused it (AH is roughly a 3% cost if one builds AH.) Let's agree to disagree, o.k.?

Time to go play. Have a nice day. :)

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4genlocal 5 years, 1 month ago

steve ok lets take silver spur. there are some things that i do not under stand. lots started at 32k that is AH right there. and AH that was not by forced regulations. Now look at the equity they have built. now you make one of these lots a deed restricted lot and now instead of the person you are trying to help having 168k in equity they have less then 10K. what a great deal. and they spent the same amount during the same time period for the same lot.

i never said to build cheaply i said be realistic. and your worthy standard is beautiful ( beauty is in the eye of the beholder) the deal by james brown bridge is about as ugly as it can get. But i respect their right to build what they want. the question is what are we trying to do help people up the ladder or just let them touch the ladder.

the development i am talking about is the one off Conestoga circle. and thanks for proving my point the private sector has been building AH long before it became a mandate. look at heritage park. that was before AH regs. so that gives us 3 developments that were AH before it was required. how many have there been since?? where most of the lots were AH??

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aichempty 5 years, 1 month ago

Steve,

The benefit of a ski pass is that it makes people more willing to live here and pay the higher costs. More local skiers on the mountain means more money earned from concessions around the base and on the hill. More locals in the workforce means better quality service on the ski hill. Plus, the benefit of a season pass, which allows you to get in a couple of runs and quit without blowing a whole day lift ticket cost, helps keep people happy and productive on the job. More people would be willing to come in early, skip lunch and leave in time to get in some skiing before going home.

Ski Corp should be willing to do this because it makes all its money from local business (like local developers do). It creates jobs (like developers do). Ski Corp would be much more expensive to run without the benefits provided by the City and residents of Steamboat Springs and Routt County.

If you're going to tax one class of business for the benefit of AH dwellers, then why not tax all classes of business in a way linked to their revenue and customer base. It's only what AH does to developers, so what's the problem?

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4genlocal 5 years, 1 month ago

steve i can agree to disagree on this.

hope you had a nice day

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Steve Lewis 5 years, 1 month ago

Tele, My mistake. The 700 businesses is county wide. More believable? I was refering to the low ratio of them with employees.

Aich, I would like to see a broader effort, but development should be the central player. The real pressure on home prices comes from second home buyers. Taxing those buyers to mitigate their home pricing impact makes sense.

Moving to a property tax is the only way I see the business community would be engaged. The Gallagher amendment would have businesses paying 4x residential.

4gen, Nice weekend of sun. Hope you got "out". :)

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Steve Lewis 5 years, 1 month ago

Tele, Taxing second home buyers to mitigate their very direct impact on our workforce housing makes complete sense. The upward pressure their wealth puts on the local home market is the central problem.

Taxing second home buyers makes more sense than a property tax. But I accept Keith's point that business should also contribute to the solution of housing their employees.

Land use policy does attempt to address the issue, as the intent and plans for annexation in the west area are all about producing AH. Future UGB amendments will likely hone in on an AH benefit. But you have to have funding. Land use policy alone is not going solve the AH deficit. maybe 10 years ago that would be enough. Unfortunately, we have done too little for too long.

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JLM 5 years, 1 month ago

"The upward pressure their wealth puts on the local home market is the central problem."

What sheer utter nonsense!

When ideas wrestle --- as in this endless debate about AH --- ideas become refined and evolve into better ideas but the other thing that happens is that truly bad ideas are stripped bare of their packaging and can be seen in their naked glory.

The above statement strips bare the intellectual bankruptcy of a good portion of the argument for the proposed funding mechanism for AH.

Get somebody else to pay for it but insult them for investing in our community first.

When a family invests in our community we should thank them, welcome them and invite them in to become responsible citizens --- not present them with a bill which is our problem.

Last one over the bridge has to pay for AH! Sheesh!

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Fred Duckels 5 years, 1 month ago

The cry is to soak the greedy developers for AH, sounds like liberal logic. We all pay for this enabling, despite the camouflage. With our weak economy we need to curtail the giveaways. We cannot continue to provide bus service indefinitely without starting to get a return for the effort. Our plan seems to provide transportation for all willing takers. It is time to sober up here and charge user fees. It is hard to see how a half million dollar bus is going to break even in four years if we don't charge anything.

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Kevin Nerney 5 years, 1 month ago

yeah it's been a while since I've posted but I'm still here and not going anywhere fast ( much to the chagrin of some I'm sure) However, the purpose of this post is to try and shed some light on a Steve Lewis earlier post. I live in Silver Spur and bought my litttle piece of bottom land in 2000 and paid $72,000. The lots here started at about $64,000 in 1998 and this past summer the few that are left were going for a high of $285,000. Now with this downturn the most recent price I've seen is $233,000. So I don't know how Steve L. thinks this was AH back then or today. If lots here were going for 32,000 in '04 I think I would have liked to buy a dozen of them.

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Steve Lewis 5 years, 1 month ago

Thanks Kevin. My 32 should have been an 82. I wasn't basing any argument on those Silver Spur numbers. I was only trying to get on the same page with 4gen: "look at the development just below the cemetery not copper ridge the other one. lots started at 40,000 in 97, or 98."

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Steve Lewis 5 years, 1 month ago

JLM, Above you posted:"If this is truly a business problem then the business marketplace will solve it. If it is a public policy issue, then the solution will have to funded by the public purse (please, no)."

If you do not believe a housing problem exists, every attempt at solving it will appear foolish. Is that your position - there is no problem?

I listed 18 towns/counties above that are applying methods similar to Steamboat. Your argument continues to ignore that list exists. 18 governments in CO are not intellectually bankrupt.

"dangerous lunatic fringe", "intellectual bankruptcy" - that's your opinion of a community's effort to shape its future?

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jk 5 years, 1 month ago

I agree with you Fred. 25 cents a ride 5 dollars for a local pass that would go a long way and would be reasonable. How bad do you think the happy hour bars would fight something like that. Sorry to stray from the thread.

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JLM 5 years, 1 month ago

Sigh, let me try again.

I am a huge proponent of AH. I think it is a wonderful idea but like a lot of ideas, the devil is in the details. The most troubling detail is how will it be funded?

I think it is evidence of intellectual bankruptcy to try to find a "patsy" and get them to fund it. Stop trying to give the bill to the guys at the next table.

I think there is a liberal lunatic fringe in SBS who is so dead set on solving the problem that they are willing to negatively impact the entire community to get "their" way. They only want to do it their way and therefore nothing of any consequence has been accomplished.

I have been an advocate for the creation of AH by developing multi-family projects (my favorite site would be next to the golf course) subsidized by social equity (direct investment, free land, waived fees, etc.). Buy it down until the numbers work like a beaver.

The best solutions align the public objective with the real market forces and don't try to redirect of change the market to fit a political whim. AH does not belong IN resort development.

It is difficult to believe that at the beginning of the largest flow of pork in the history of the US, some SBS grant writer is not writing a grant application like a whirling dervish to make it work. There is so much money in there, SBS could probably get $20MM if somebody would get off their butt and start working instead of whining.

No, instead everybody is just engaged in the same unproductive circle jerk ---- yada yada yada --- too far, too much commute, etc. etc.

In the real world, only results count and thus far SBS can only prove that it talks a lot but is afraid to innovate or change. You gotta do some of everything to change the world.

And, yes, I do think that a bad idea held by a majority is still a bad idea.

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Scott Ford 5 years, 1 month ago

Teleflypicker & Steve Lewis

Since I do the data mining for the Community Indicators, maybe I can add some clarification to these numbers of businesses. The vast majority of businesses in Routt County have no employees. Most of these non-employee businesses are likely far from being full time operations. This number is calculated by the US Census using Bureau of Economic Analysis data which in turn is based on tax returns.

In my personal situation I submit two schedule Cs with my 1040. Each are LLCs with their own federal tax IDs. This gets counted as two businesses entities in the IRS system. One is classified as an educational services company and the other as a publishing company. They are two businesses, however, I do not plan on quitting my day job any time soon based on the earnings (profits) either of these two LLCs provide. In addition, I belong to SSCRA with one of the business and they count me as a business. So even SSCRA's count is far from perfect because I am sure I am not the only one with a micro business that belongs to SSCRA. Even though it is a micro businesses they cash my check and put me in the directory.

In addition, there are a number of S-Corps in our area that that are likely one-person shows. In this situation it would show up as a business with an employee, because typically in these situations the owner is also an employee of the corporation. Most likely a higher percentage of these are full-time operations. But what percent are? Who knows.

There are some data sources that likely do a far better job of assessing the actual number of "real" businesses in Routt County based on data provides by the Dunn and Bradstreet to Edward Lowe Foundation in an effort to measure a community's entrepreneurial activity. Unfortunately, I have access only to current numbers as of 2007. For what it is worth they are listed below based on the range of the number of employees they have.

Establishments and number of employees. (1-9) = 2,234 (10-99) = 240 (100-499) = 7

There are a few employers in the area with more than 500 employees, however, since the SBA does not classify them as "small businesses" they are not included in the Edward Lowe Foundation report.

The US Census data is not perfect, but it is a reflection of activity that has a strong historical data. Like most numbers we just can not torture the numbers beyond what they can tell us. However, they are a reflection of what is happening even if it is a bit of a "fuzzy picture".

The US Census Economic census has some good data but it is update only every 5 years and we are currently dealing with 2002 data. The results from the 2007 Economic Census should be available sometime this spring. The wheels of these government agencies turn painfully slow.

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Steve Lewis 5 years, 1 month ago

Scott, Thanks for the clarification. The business count does not correlate as I thought it did to "commerce".

I'm interested in the future welfare of small business in the City of Steamboat. And obviously, my concern, how the workforce pool relates to that. Your data is on mostly on a county by county basis.

Maybe you've seen data sets that describe the in-Routt small business trends of Hayden,OC, Stbt? Are small businesses thriving equally in Routt's cities? (before 2008).

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Steve Lewis 5 years, 1 month ago

JLM, Your better comments: -"The most troubling detail is how will it be funded" -If "subsidized by social equity (direct investment, free land, waived fees, etc.)" we can turn the free market forces to work on the problem.

Where does that funding for AH subsidy (and free land) come from?

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JLM 5 years, 1 month ago

Where should it NOT come from?

It should not come from a single group of folks whose only crime is that they happen to operate in an industry in which there are a lot of zeroes attached to their numbers.

The "soak the rich" cause they can pass it along to the tourists and second home owners is a bankrupt and failed strategy.

Where does all public money come from?

The City of SBS should donate the land adjacent to the golf course or the airport.

In this instance, the source of funds should be as broad as possible --- the stakeholders (employers, local advocates, you), those whose public position enable them to influence policy (city, county, state), grant applications, universal and broad taxes upon the vote of the taxpayers.

If this is such an important public policy initiative and not just the feel good whim of a bunch of liberals who want to harness the public purse for their own selfish purposes --- put it to a local vote and convince the electorate that this is in their interest.

If someone in SBS is not writing a grant application to HUD today trying to get some Porkulus $$$, then there is truly no real need for AH and there is no real leadership.

The Porkulus is the greatest pot of funny money in the history of the US. Go get some, cowboy!

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Steve Lewis 5 years, 1 month ago

JLM: "Pursue government grants and create new taxes" to fund AH. Fair?

I had not heard of Fed/State grants for AH in a community, only small grants aimed at financing individual cases (which are what the Housing Authority would be using). So, while I agree its worth a try, Fed and State government grants do not seem to represent a reliable funding avenue. Hard to imagine stimulus $ or even foreclosure correcting measures will be directed at buying land.

Which then, among your options, leaves us with funding via new taxes.

JLM, will you help me sell these new AH taxes?

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JLM 5 years, 1 month ago

Actually, the City of SBS can provide the land, no?

The City of SBS can waive all the fees, no?

The City of SBS or another AH stakeholder can write the grant applications, no?

There are no real rules for the Porkulus or the ensuing earmarks in the next $410B bill coming out of the House this week. You gotta go get sum, pal! "For the children...", kittens, spiders, mice and poor folk --- gets the money every time. If SBS can't get $25MM, they're not even trying!

The City of SBS could issue bonds or other public indebtedness (this is the social equity of which I am in favor) which would be repaid by revenues from the project as well a general bond indenture tax approved by the electorate.

I personally am not in favor of increasing the tax burden of anybody in the US at this time, so I am not your boy as it relates to supporting new taxes. Americans are way over taxed as it is just now.

But if your idea has merit, then the electorate will support it. If not, then it was all just a pipe dream, no?

I would probably hold my nose and vote for it, if it were targeted, finite and temporal.

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4genlocal 5 years, 1 month ago

One problem I have is there are too many people who believe they are entitled to live in steamboat. That since they are busy skiing and hiking and at the gym the government or some one else should give them the ability to live in a nice house. Home ownership is a privilege and should be a result of hard work and hard savings. That being said maybe we should look at some sort of work for you handout setup. If you need help with your tap fees maybe you could go and paint fire hydrants, or shovel them out in the winter. You know a part-time job of sorts. If you need assistance with land and such maybe you should be helping pick up trash in town sweeping side walks. I realize there are some problems with this approach ie. Workers comp ect. but lets face it there is work the city could benefit from and there are people who could benefit from some help.

But that would be it HELP not a HAND_OUT

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barkingschedule 5 years, 1 month ago

O.K., I'm a moth to the flame: 4gen, if you're thirty-years old, you had me and my husband as teachers in your life. We were not "busy skiing and hiking and at the gym." We were busy educating you. And no offense, but I should have done a better job with your grammar lessons :) The price of housing is the biggest reason the schools can't attract and retain teachers. Affordable housing is the answer. I have an investment in this valley that exceeds a desire to own a home. It's the desire to see people like 4gen become productive citizens of our community, which, obviously, he has.
4gen, I'm glad you're still here. We need to find a way to help the teachers, nurses, mental health workers, policemen and women of our community stay here, too.

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mavis 5 years, 1 month ago

COngrats to 4gen- ovbiousely being a well rounded hard working individual has allowed home ownership despite your concern for his/her grammer- which goes to show teachers need to focus on life skills -(grammer or spelling doesn't wreck your world no matter what your HS english teacher tells you.)

There are more issues than affordable housing. On other threads people are always saying teachers are a great fit for the current programs availiable because in this economy they have a job. Well in this economy they do have a job however you better hope their husband makes twice what they make. Because if they decide to have children and their entire paycheck goes to daycare I am not certain they can afford a house. Especially if they are responsible and then pay for health insurance for their kids. On the districts payschedule I am pretty certain the teachers salary would not even cover daycare expenses and health insurance.
There are lots of issues on hand here. I am in no way supporting government involvement or control which is why my family does qualify for "affordable" housing but we do not wish for a handout nor a "fixed" percentage of our ability to make a profit.
With the current plan if we lived in a "deed restricted house" and sold it within the parameters we would not be able to put a down deposit on the next door house. I am confident that we will someday have a house in the county but it will be our sweat, desire and motivation to get us there. Will it be huge? nope nor should it be. We would be happy with 1200 sq. ft.

AH is not readily availiable in the town of Steamboat - I agree- but there are expectations from those without that are not realistic and so far the "solutions" I have seen done are not realistic either.
Developers do not need to support the town nor does a family of 4 find a "studio " apartment for 250k affordable or practicle.

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4genlocal 5 years, 1 month ago

Barking I will be the first to admit that my English skills are lacking. (I always preferred math science and history.) Believe it or not I use math and science every day, English on the other hand? I am fluent in Spanish.

now people like you and your husband helped me along the way. And I appreciate that. I have always agreed that there is a lack of affordable housing in SB. And I feel that there needs to be more AH. What I do not agree with is the regulation of AH. I also do not agree with the ideals some have of what should be affordable. An AH should not be in the prime locations, at the base of the ski area and so on. Affordable houses do not belong amongst the high end homes. I also do not agree with deed restrictions, the way they are currently being used. This takes a family's biggest investment and makes it no better than paying rent. I do not agree with the government being a land lord. Just look at the iron horse. For the past 10-15 years our commissioners and city council have done nothing but make the problem worse. They have decreased the gravel pits. Decreased the companies that pave roads, decreased the ability of developers to develop affordably. They have increased the property taxes increased sales tax. The decisions made by our elected officials (with the support of some) have led to the lack of AH. Since you and your husband are teachers please, please, please do a few things for me. 1) be sure your students have a sound knowledge and are able to figure out the true cost of a home loan and the difference between a 30 yr fixed an adjustable rate mortgage ( my teacher who taught me this is no longer at the high school) 2) have them figure the cost of buying a deed restricted home vs. a similar home with out the restriction. 3) And please teach them history so they can look back and not repeat the past. Every system where the gov. has owned everything and controlled everything has failed!! thanks

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Fred Duckels 5 years, 1 month ago

I am planning to move to Palm Beach and get a teaching job. I think that they should welcome me with open arms and provide affordable housing, since I will be doing them a great favor. On the other hand maybe I should work in a less expensive environment, save and accumulate assets before venturing into this area and proclaiming victimhood.

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Tim Scannell 5 years, 1 month ago

Fred. You are always direct and to the point. Fewer words, clear and concise.... and I agree with you!

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4genlocal 5 years, 1 month ago

Fred I think Beverly Hills and a suburb will not be good enough for me to live in, after all it is not where i would be working

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