10.28.19 Affordable housing; Deals for first responders; Take your vacation time!

The Clark Howard Podcast

Clark Howard

Entrepreneurship, Business, Investing

4.6 • 5.2K Ratings

🗓️ 28 October 2019

⏱️ 37 minutes

🔗️ Recording | iTunes | RSS

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Summary

Affordable housing is in short supply in the U.S. these days. It hasn’t been this difficult to acquire affordable housing since 1948. Restrictive zoning – a NIMBY problem, has made it difficult to impossible for builders. But zoning changes are making affordable housing more possible. A few months ago metro Minneapolis passed such zoning changes. Now Oregon has passed a law to phase in by 2021 to allow second structures and garage apartments. Many young adults under 40 have been shut out of the housing market. New methods of construction make it more cost effective to build affordable housing. The irony is that the hotel business is at the forefront of using these methods. The U.S. should become experimental and look at technologies including 3-D printing to fill the shortage in affordable housing. State and local law enforcement, firefighters and EMTs are honored today. Announced today and available Nov. 1st – T-Mobile’s half price Magenta plan for first responders. This works like T-Mobile’s Magenta Military Plan - $10 a month per person after the first 2, and new phones for half price. AT&T and Verizon usually respond in kind with such deals. A Priceline survey says more than half of all U.S. workers with a paid vacation benefit don’t take it! One third do not use up half their vacation allotment. That’s loco. If there’s unspoken pressure at work, that’s an idiot employer. Your performance deteriorates and loyalty diminishes when work is an endless treadmill. Taking time and getting away to clear your head is extremely valuable. Take your time off and cherish being with family/friends and experiencing other things. You come back better at what you do. None of us are indispensable. Please take your time off. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	This football season get a hand from Betfair's popular BetBuilder and easily add our fan favourite football selections to your bet slip in just one tap.
0:09.0	And you can get a completely free £2 betBuilder on any Premier League game this weekend.
0:14.0	Now that's handy.
0:18.0	Betfair.
0:21.0	Max1 per customer minimum combined odds of 1.5, opt in required, T-Sync's apply, 18 plus B gamble away to org.
0:30.0	Great to have you here on the Clark Howard Show where it's all about you and that wallety yours.
0:41.0	I want you to learn ideas to me so you can keep more of what you make.
0:46.0	When you have a question for me, go to Clark.com slash ask and post it.
0:50.0	And if you want to go on the show with me, check that box.
0:55.0	So speaking of which, coming up in a few minutes, we're not doing a car grade just moment today.
1:01.0	We're doing a sizzling deal that is a new offer just for people who work serving us in law enforcement, firefighters, EMTs, that sort of thing.
1:14.0	I'm going to tell you about the deal so you can know what's available to you because today is actually first responders day.
1:22.0	I didn't know there was such a thing.
1:25.0	And coming up yet later, here we are closing in on November and huge percent of us have not taken their vacation.
1:37.0	We got to talk.
1:40.0	And I want to talk right now about something that is there's so many things in any society that are referred to as a crisis.
1:51.0	But I want to talk about something that is a problem that we as a society have had trouble addressing.
1:59.0	And that is affordable housing.
2:03.0	You know, I've discussed over time how difficult it is for an individual or a family now or a couple to buy a first home that the amount of pay that it takes to buy that first home is so much more difficult.
2:20.0	Then it's been at any time since 1948.
2:26.0	And that's a long time ago, right?
2:30.0	That you got to go that far back to find where the ability for people to buy a home has been so rough.
	...

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