The State of Seattle's Housing Affordability
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Uncoordinated development poses threats without comprehensive planning. A Washington state law mandates cooperation across sectors and governments for land use planning to promote sustainability, economic growth, and quality of life. The Seattle mayor believed the city's comprehensive plan was extremely important. However, housing affordability is often oversimplified and solutions are too narrowly focused on subsidized unit production. Better measures and a broader set of solutions are needed, such as reducing development costs, assessing land value taxes, and providing direct financial assistance to households.
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One night, deep within one of those YouTube rabbit holes-you know, the ones where you progress from video to video until you already can't remember what you were searching for-well, I found myself stuck in crypto horror stories. I have watched people share how they lost access to their Bitcoin wallets, be it through hacks, forgotten passwords, glitches in software, or mislaid seed phrases. Some of the stupid mistakes made me laugh; others were devastating losses. At no point did I think I would be the next story. Literally the next morning, I tried to get to my wallet like usual, but found myself shut out. First, I assumed it was some sort of minor typo, but after multiple attempts-anything I could possibly do with the password-I realized that something had gone very wrong. $400,000 in Bitcoin was inside that wallet. I tried not to panic. Instead, I went back over my steps, checked my saved credentials, even restarted my device. Nothing worked. The laughter from last night's videos felt like a cruel joke now. This wasn't funny anymore. It was then that I remembered: One of the videos on YouTube spoke about Cranix Ethical Solutions Haven. It was some dude who lost his crypto in pretty similar circumstances. He swore on their expertise; I was out of options and reached out to them. From the very moment I contacted them, their staff was professional, patient, and very knowledgeable indeed. I told them my case, and then they just went ahead and introduced me to the plan. They reassured me that they have dealt with cases similar to this-and that I wasn't doomed as I felt. Over the course of a few days, they worked on meticulously analyzing all security layers around my wallet, checking for probable failure points, and reconstructing lost credentials with accuracy and expertise. Then came the call that changed everything: Your funds are safe. Youre back in. I cant even put into words the relief I felt at that moment. Cranix Ethical Solutions Haven didnt just restore my walletthey restored my sanity. I walked away from this experience with two important lessons:
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If you're reading this and thinking, "That would never happen to me," I used to think the same thing.油Until油it油did.
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TELEGRAM: @ cranixethicalsolutionshaven
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National Service Scheme Transaction on PFMS PortalThe State of Seattle's Housing Affordability
- 2. Uncoordinated and unplanned growth, together with a lack of common goals...pose a threat to the environment, sustainable economic development, and the health, safety, and high quality of life enjoyed by residents of this state. It is in the public interest that citizens, communities, local governments, and the private sector cooperate and coordinate with one another in comprehensive land use planning. (RCW 36.70A.010)
- 3. "I believe this (a comprehensive plan) is the most important thing we're undertaking in this city for the next 20 years Norm Rice Seattle City Mayor 1994
- 7. High Prices: Price is a quantitative measure of supply and demand Housing is not affordable! By taking average wages of certain jobs and comparing to average housing prices, this conclusion is reached. Cost burdened households. A count of how many households in the city are paying some amount over 30% of their gross income on housing. We need units! This process leads inevitably to a mandate to create subsidized units equal to the number of existing cost burdened households.
- 8. Solutions Use better measures of the problem using data from market studies, not census data; Affordability is defined arbitrarily (30 percent standard) and we need a better measure; We need to understand why housing costs what it does to produce and how to reduce those costs and barriers to the market (e.g. ULIs Bending the Cost Curve study); Households struggling with housing costs are usually struggling with many other expenses as well; Producing subsidized units is necessary, but it doesnt address the critical issues of price and current need; We need to consider broader and thinner tax models that are based on inefficient use of land (e.g. tax large lot single-family, land value taxes); Use direct cash payments to ameliorate housing and other costs, save unit construction for the poorest and neediest; and Explore financing tools like Tax Increment Financing (TIF)
- 10. Discussion Questions Is your community facing a housing crisis? When did it start? How will you know its over? Is there a better way to measure affordability? Wouldnt direct payments to cost burdened households be more efficient than buying land and building units?