Re: [Mpls] Affordable Housing - Other Ideas

2003-03-03 Thread Susan Maricle

 [EMAIL PROTECTED] asks:
 
Why so many people with out stable housing?  That is a
great question with a long answer.  

SAM here: 
Here's a guess: spotty credit reports and rental
histories, inability to come up with move-in expenses.


Craig says:
Get a roommate, bump up to a 2br, and the savings are
readily apparent.  Savings of almost
 $300 per month.  Take that times 36 months and you
have $10,800.  

SAM here:

I agree. I also feel that not everyone has the living
skills to live with a roommate. When we rented to two
single women they were regularly calling the police to
settle their conflicts. When I volunteered with People
Serving People I received a hysterical call at
midnight from a woman whose roommate had thrown her
out.

As for Vicky's meticulous post about how much a
minimum-wage worker can afford, those calculations are
based on a perfect world: no catastrophic illnesses,
no transmission overhauls, not one unforeseen expense.
One such expense can send me into a tailspin, and I'm
not a minimum-wage worker. 

I am not making excuses for why people are unable to
find housing, just pointing out reasons why since
people are asking why. A good book to read is Nickel
and Dimed by Barbara Ehrenreich.

Susan Maricle
another former rental property owner in Folwell
now of Bruno MN

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[Mpls] Realism in Housing:

2003-03-03 Thread Craig Miller
The poster writes.

 The definition I've heard of affordable housing' is 30 percent of income.
A $600 apartment, if ALL utilities are included, costs $7200 a year.
$7200/.3 is $24,000 a year.  $24,000/2080 = $11.50 an hour.  Retail
employees don't MAKE $11.50 an hour.  And that is what the modal employee
does.

 If you make $7.50 an hour and IF you have 40 hour/week job, you make
$15,600.  Doing the rest of the math, it means an affordable domicile is
$390 a month INCLUDING utilities.

 So, now which of you geniuses is renting for $390/month?


Craig here

Beware of rules chiseled on stone tablets issued from Mt. Washington DC.
Just because a govt technician or housing advocate says so, doesn't make it
true.  Think about your first apartment, I'll bet everyone of us paid more
then 30%.  Then think of your first mortgage.  Those payments sure looked
big in the beginning.  Then you learned how to trim your expenses, earn more
money.

List members, what are your recollections of your first apt, house, and how
much of your pay it consumed?

Craig Miller
Former Affordable Housing Provider
Living in Rogers
[EMAIL PROTECTED]




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[Mpls] Debunking the Affordable Housing myth

2003-03-03 Thread Victoria Heller
Jim Mork writes:

The definition I've heard of affordable housing' is 30 percent of
income.

Vicky clarifies:

Mr. Mork is thinking of the HUD Section 8 program requirements calling for
the tenant to pay 1/3rd of his/her income as rent, with the Federal
government picking up the balance each month.

Example:  If Riverside Plaza charges $1,000 for a 2BR apartment, and its
occupant has income of $200 per month, the tenant pays $66 per month and
the Federal government pays $934 per month.

Affordable housing is much more vague.  These two words enable clever
developers to dupe our government into lending millions of extra dollars to
build housing that isn't affordable at all.

Example:  Stone Arch Apartments.  The land value, according to tax records,
is $536,800.  According to Steve Minn/MCDA, construction costs for the 221
apartments are $22,282,739, architectural fees are $465,000, interest
during construction is $705,077, site improvements and demolition costs are
$450,000, and relocation fees are $550,000.  Assuming these costs are
valid (which is a big assumption without seeing any detail) the reported
cost to build the project is $24,989,616, or $25 million to make the
arithmetic easy - roughly $113,000 per apartment.

A private lender would require the owner(s) to have at least 10% equity in
the project, and might therefore lend $22.5 million.  If making money in
real estate the old fashioned way, the owners would end up with a $25
million project and a $22.5 million mortgage.

Our public lenders aren't so strict.  They allow the developer to add
$2,741,117 in developers fees and another $2,576,552 in other fees and
soft costs and another $1,663,200 in acquisition costs and another
$857,028 in construction contingency.  Now the cost of the project is up
to $32,827,513, or $148,541 per unit.

Now one must wonder what kind of affordable housing do we actually get for
all of this extra money.  Well, since someone at HUD decided the AMI (area
median income) for Minneapolis is $53,700 for a single person, and $82,800
for a family of five, we get affordable rents of:

$805 for a studio (if the tenant's income is 60% AMI)
$863 for a 1 BR
$1,035 for a 2 BR
$1,196 for a 3 BR, etc.

When all is said and done, we get nothing.  The owners, and the recipients
of all of those fees have a rather nice score on their hands. Not to
mention the limited partners in the project who bought a hefty tax shelter
for the next ten years (IRS Section 42 tax credits - cannot report how much
without seeing the books - but the bigger the losses, the better for the
limited partners.)  One could argue effectively that each time we do one of
these deals, we actually REDUCE taxes collected in Minnesota, and Federal.

Hope this isn't too long - but I don't want to be accused of leaving
something out.

Arithmetic by,
Vicky Heller
Cedar-Riverside and North Oaks



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[Mpls] No Bikes on Lake Street?

2003-03-03 Thread Dave Piehl
Jim Grube wrote:

(snip) I may have said that once Lake Street 
is reconstructed, bikes would be prohibited.  This
will not be the case.
Because of the limited room along Lake Street, and a
desire to avoid building removal, reconstructed Lake
(snip) will (not) have bike lanes (it doesn't now). 
If bicyclists do wish to use Lake Street, they
will be allowed to so (in the same manner they do
today).  

David Piehl writes:

Thanks for the clarification Jim - as I understand
from your post: essentially, bike access does not
exist today on Lake, and will not be incorporated into
the new design (expected to be good for 40 years)
either.  

My question for project organizers and list members:
Is this a done deal?  I certainly recognize the space
limitations, but firmly believe that a plan that will
allegedly serve the area for the next 40 years really
needs to include some form of non-automobile
transportation.  Have bike lanes been rejected out of
hand?  If so, by whom?  Is there a possibility of
putting them into the plan?  Are alternative transport
concepts from other cities and countries being
considered, or do we always have to be 20 years behind
the curve in Minnesota?

David Piehl
Central


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RE: [Mpls] Affordable Housing - Other Ideas

2003-03-03 Thread Pamela Taylor

Vicky, can you sharpen your pencil for an analysis of people with children
also?  Make sure you include the EITC, Working Family Credit, food stamps,
etc. (and day care costs should also be included... wow this gets really
complicated, but it's worth doing even if we leave off some categories of
people at first).

Mark V Anderson
Bancroft Neighborhood

I would like to know this, too.  My daughter was one of a large number of
people recently laid off from a bank in Minneapolis.  She is a single
parent, with a five and a two year old.  She has daycare costs to contend
with as well.  Sharing a apartment with someone is not a real option as,
most single people without kids don't want to room with a mom.  The kids
need their own space.
She was making $10 an hour, but now that she is laid off, her subsidized
daycare will be taken away.  She was not on Section 8, she was cutting
corners and doing all the right things, but the system doesn't look at that.
They don't allow you any time to regroup.  You lose your job, you get cut
off at the knees all at once.  This contributes to the homeless issues. My
daughter neither smokes nor drinks nor has loud parties or wild friends.  We
have family in the city but I come from a large family.  They do not have
space.
Anyone know of a good boarding house (not a shelter) and/or kindly landlord
who will take in a women with kids that is safe?  I don't want them in a
dump.  Thanks.
Pamela Taylor (Tampa)





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[Mpls] TCF parades out of town

2003-03-03 Thread Chris Steller
I see from two separate legal notices in the Strib's A section today that
TCF National Bank is moving or maybe has moved its main office to Wayzata.
The current main office at 801 Marquette will become (or is already?) a
branch office of the bank founded in Minneapolis sometime before the Great
Depression. 

I missed this news before. Has downtown lost TCF jobs then? Did Wayzata
tempt TCF to its Lake Street East with tax incentives and other goodies --
or is this just another corporate HQ migrating in the direction of the CEO's
residence? (Which in this case I assume is whatever Bill Cooper built after
he tore down the Ralph Rapson-designed Dayton House on Lake Minnetonka.) And
will next year's be called the TCF Marquette Avenue Branch Holidazzle
Parade? 

Chris Steller
Nicollet Island-East Bank



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RE: [Mpls] No Bikes on Lake Street?

2003-03-03 Thread Michael Hohmann
Dave Piehl writes, in part, regarding a lack of bike lanes on Lake Street:
 My question for project organizers and list members:
 Is this a done deal?  I certainly recognize the space
 limitations, but firmly believe that a plan that will
 allegedly serve the area for the next 40 years really
 needs to include some form of non-automobile
 transportation.  Have bike lanes been rejected out of
 hand?  If so, by whom?  Is there a possibility of
 putting them into the plan?  Are alternative transport
 concepts from other cities and countries being
 considered, or do we always have to be 20 years behind
 the curve in Minnesota?

[MH] Don't forget, the Greenway is only a block north of Lake and includes
pedestrian walkways and bike lanes, and likely some form of mass transit at
some point in the future.

Michael Hohmann
Linden Hills


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[Mpls] My First Apartment

2003-03-03 Thread Susan Maricle
My first apartment was in 1978, an off-campus
efficiency apartment in Detroit and my rent was
$125.00. I worked part-time at the student newspaper.
Don’t remember what I earned, but it wasn’t much,
maybe $80, with temp work in the summer. I do remember
that I had two huge advantages: fairly good savings
(which not everyone has) and Social Security payments
for college since I had a retired parent (which no one
has today).
Susan Maricle
formerly of Folwell [and Detroit}
Bruno, MN


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Re: [Mpls] Affordable Housing - Other Ideas

2003-03-03 Thread steven meldahl
Ms. Taylor,

It appears that you forgot the child support - it probably is at least
$500 per month.  Maybe that can be increased also.

Steve Meldahl
Jordan (work)
- Original Message -
From: Pamela Taylor [EMAIL PROTECTED]
To: Anderson  Turpin [EMAIL PROTECTED]; [EMAIL PROTECTED]
Sent: Monday, March 03, 2003 10:54 AM
Subject: RE: [Mpls] Affordable Housing - Other Ideas



 Vicky, can you sharpen your pencil for an analysis of people with
children
 also?  Make sure you include the EITC, Working Family Credit, food
stamps,
 etc. (and day care costs should also be included... wow this gets
really
 complicated, but it's worth doing even if we leave off some categories
of
 people at first).

 Mark V Anderson
 Bancroft Neighborhood

 I would like to know this, too.  My daughter was one of a large number
of
 people recently laid off from a bank in Minneapolis.  She is a single
 parent, with a five and a two year old.  She has daycare costs to
contend
 with as well.  Sharing a apartment with someone is not a real option
as,
 most single people without kids don't want to room with a mom.  The
kids
 need their own space.
 She was making $10 an hour, but now that she is laid off, her
subsidized
 daycare will be taken away.  She was not on Section 8, she was cutting
 corners and doing all the right things, but the system doesn't look at
that.
 They don't allow you any time to regroup.  You lose your job, you get
cut
 off at the knees all at once.  This contributes to the homeless
issues. My
 daughter neither smokes nor drinks nor has loud parties or wild
friends.  We
 have family in the city but I come from a large family.  They do not
have
 space.
 Anyone know of a good boarding house (not a shelter) and/or kindly
landlord
 who will take in a women with kids that is safe?  I don't want them in
a
 dump.  Thanks.
 Pamela Taylor (Tampa)





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RE: [Mpls] No Bikes on Lake Street?

2003-03-03 Thread Jim MCGUIRE
[MH] Don't forget, the Greenway is only a block north of Lake and includes 
pedestrian walkways and bike lanes, and likely some form of mass transit at 
some point in the future.

I don't believe anyone has forgotten this, but it is a seperate issue from 
bike access on Lake St.  It would be like telling someone in a car that 
we're closing down Franklin but it doesn't matter because Lake St. is only a 
mile away.

The Greenway is wonderful, but it is not a replacement for access to main 
streets.

In any case, it seems that this is a non-issue since it appears that the 
ban on Lake St. was just a rumor (unless there's something I've missed, 
which is certainly possible)

Jim McGuire
Como
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Re: [Mpls] Realism in Housing: RT and Police-community Relations

2003-03-03 Thread Anderson Turpin
Jim Mork wrote:
 The definition I've heard of affordable housing' is 30 percent of income.
A $600 apartment, if ALL utilities are included, costs $7200 a year.
$7200/.3 is $24,000 a year.  $24,000/2080 = $11.50 an hour.  Retail
employees don't MAKE $11.50 an hour.  And that is what the modal employee
does.

 If you make $7.50 an hour and IF you have 40 hour/week job, you make
$15,600.  Doing the rest of the math, it means an affordable domicile is
$390 a month INCLUDING utilities.

 So, now which of you geniuses is renting for $390/month?

Mark Anderson reply:
Jim --  the point you missed is that we were discussing full-time single
people, and so the apartment needs to be shared with another person.  Then
each person only need make $6.75/hour, even based on your dubious maximum of
30% for housing.  Back when I was poor, I never even considered renting an
apartment by myself, because I knew I couldn't afford it.

Concerning the first places I rented as an adult:
As I recall, when I was a student in the mid '70's, I usually found a place
that cost a bit less than $100/month.  Counting work and my social security
payments (because my father died), I was probably making about $5000/year.
So I was paying less than 30% on housing.  Of course I was paying tuition
too, and saving money when I wasn't between jobs.

On rooming houses:
I sure think the prohibition against more than 3 unrelated persons in a
residence should be repealed.  I think it's basically an anti-poor person
law pushed by neighbors who figured that such houses would be party houses.
One of the down sides of neighborhood empowerment.

Mark Anderson
Bancroft



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Re: [Mpls] New Ethics Code for Minneapolis

2003-03-03 Thread Greg Abbott
I appreciate Ellen Trout's response to the issue I raised about the 
treatment of elected officials acting as advocates for their 
constituents under the new proposed ordinance.  We are in complete 
agreement about the intended operation of the new ordinance: that if an 
elected official needs an exception to city policy on behalf of a 
constituent, that the city official needs to go to the Council as a 
whole.

My problem is that the language of the ordinance, as proposed, would 
make it potentially illegal for an elected official to even discuss the 
matter with city staff, BEFORE staff has an initial chance to respond 
to a request for an exception to city policy.

The ordinance cites as an example of inappropriate influence ASKING a 
non-elected official or employee to . . .  make an exception for a 
constituent or other individual or organization contrary to existing 
law or adopted City or departmental policy . ..   Proposed Ordinance  
15.402(b) (emphasis added).

Legally, the difference between asking for an exception and 
discussing an exception is fairly ambiguous.  An explicit request 
such as I would like an exception for constituent X would be clearly 
illegal.  But what about an elected official who goes to city staff and 
asks Would you consider an exception for X? - (asking for only for 
consideration of an exception).  Or how about an elected official who 
goes to city staff and says: This rule as applied to constituent X 
results in a perverse outcome that undermines the intent of the 
department's policy - in your professional judgment, is an exception 
warranted?

Because of the ambiguity of what constitutes asking for an exception, 
an elected official would have to avoid ANY communication with staff 
about possible exceptions to comply with the ordinance.  As a result, 
the elected official would be forced to make a motion to the entire 
Council asking for an exception BEFORE talking to staff to see if they 
would even oppose such an exception.

The better policy would be for an elected official to consult with 
staff ahead of time, so he or she could make a motion for an exception 
with a staff recommendation.

An easier and far less ambiguous way of dealing with this problem is to 
pass an ordinance prohibiting city staff from making any exception to 
established city or department policy without the express approval of 
the entire council.

Here is the text of the current proposed ordinance,  15.402(b):

An elected local official or the employee of an elected local official 
shall not inappropriately influence the exercise of professional 
judgment by the Citys staff. Examples of inappropriate influence by 
an elected official . . . include asking a non-elected local official 
or employee to:
. . .
(2) do a special favor or make an exception for a constituent or other 
individual or organization contrary to existing law or adopted City or 
departmental policy; or
. . .
I would amend this provision as follows:  proposed language is [ inside 
of brackets ]

Examples of inappropriate influence by an elected official . . . 
include [ ordering, directing, instructing, threatening or attempting 
to coerce ] a non-elected local official or employee to:
. . .
(2) do a special favor or make an exception for a constituent or other 
individual or organization contrary to existing law or adopted City or 
departmental policy; or
. . .
Greg Abbott





Sent from the computer of:

Greg Abbott
Linden Hills
13th Ward


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Re: [Mpls] NRP and city affordable housing fund. Some questions?

2003-03-03 Thread Anderson Turpin
Jim Graham wrote:
 This was an example of Neighborhood representatives joining with elected
 Hennepin County Officials to create a program to give people SUSTAINABLE
 AFFORDABLE HOMEOWNERSHIP.  It complies with the very heart of NRP.  It
uses
 a small amount of public money to leverage over 20 times that amount for a
 redevelopment opportunity.  It is a Neighborhood Initiative that
 stabilizes Neighborhoods and Communities, and it gives economic
opportunity
 to poor people who would not have that opportunity otherwise. It creates
 affordable housing! It IS the very essence of what NRP was designed to do.

 The real question should be what motivates those who object?  We really
need
 to look closely at those people and determine their reasoning and their
 future believability.  They certainly DO NOT represent either poor
people's
 interests or neighborhoods. Exactly whom do they represent?

Mark Anderson response:
Talk about the pot calling the kettle black!  Jim Graham has written
paragraph after paragraph (after paragraph) about NRP and neighborhood
empowerment and how the neighborhoods can do a much better job than the city
spending money, and on and on.  Now he's decided that this centralized
spending program (which seems to be at the expense of NRP money going to the
neighborhoods?) is the greatest thing since sliced bread.  What's the
difference?  Why it's on Jim Graham's agenda, so of course it makes sense!
Jim Graham and a couple of other neighborhood folks were there to represent
all the poor people in Minneapolis, so anyone against it must have some
other hidden agenda, right?

You know Jim, I haven't even decided if I agree with the proposal or not,
but your sudden turnaround in supporting NRP city-wide initiatives sure
smells to me.  I think you should explain yourself here.

Mark Anderson
Bancroft



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[Mpls] Mpls/St.Paul and LGA in the PiPress

2003-03-03 Thread Borger, Judith Yates
Title: Mpls/St.Paul and LGA in the PiPress





ANALYSIS: What's best at worst of times? - 03:01 AM CST




Re: [Mpls] New Ethics Code for Minneapolis

2003-03-03 Thread Annie Young
I believe this Ethic ordinance is a good thing but has gone way over its 
intentional boundaries.  I am referring to the inclusion of spouses.  When 
I think of some of the committees listed such as CUE, the Disabilities, or 
Seniors advisory boards and others it just seems too much even for the 
appointed members to be included - but their spouses - IMHO, is just going 
too far.

Otherwise, most of it seems good.
Annie Young
East Phillips


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Re: [Mpls] My First Apartment

2003-03-03 Thread MJ Mueller
My first apartment was on the West Bank in Minneapolis in 1977. I shared an 
upper duplex with three guys. The rent was $156/month or $39 each per month 
plus utilities. My second apartment was also on the West Bank in 1979 or so. 
I shared an upper duplex with one other woman. We paid $198/month or 
$99/each plus utilities. I moved to Seward (the suburb of the West Bank) in 
1981 and have lived in the upper part of the duplex I own since. My mortgage 
is almost paid off and is 85% covered by the rent from the tenant on the 
first floor. I feel incredibly lucky to have as affordable of housing as I 
do.

MJ Mueller
Seward
__

From: Susan Maricle [EMAIL PROTECTED]
To: [EMAIL PROTECTED]
Subject: [Mpls] My First Apartment
Date: Mon, 3 Mar 2003 10:02:06 -0800 (PST)
My first apartment was in 1978, an off-campus
efficiency apartment in Detroit and my rent was
$125.00. I worked part-time at the student newspaper.
Don?t remember what I earned, but it wasn?t much,
maybe $80, with temp work in the summer. I do remember
that I had two huge advantages: fairly good savings
(which not everyone has) and Social Security payments
for college since I had a retired parent (which no one
has today).
Susan Maricle
formerly of Folwell [and Detroit}
Bruno, MN
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Re: [Mpls] My First Apartment

2003-03-03 Thread Joncgord


My first apartment  was in a more than likely illegal Hippy Habitat 
located over Richter's Drug on the West Bank ( the hallways were such a maze 
it became much easier for friends to come up the fire escape and enter 
through the window). I paid, I believe, $60 a month furnished and with all 
utilities paid ( there was a pay phone in the hallway which we all mostly 
shared). 
I made, again I believe-- memory is hazed by time and maybe some other 
things,
$2.80 an hour working full time at the U. This means my rent was 12% of my 
gross income and why I was considered rich by most other West Bank denizens 
circa 1967. I picked up a room mate anyway and rent became perhaps the 
smallest of my expenses.
I know for a fact that no eighteen year old today could even imagine such 
a carefree existence. That's too bad. It's good to experience a period of 
cheap and foolish living.

Jon Gorder
Loring Park

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[Mpls] My first apartment

2003-03-03 Thread Victoria Heller
...was a basement efficiency at 2817 Xerxes Ave S.  It had hot water pipes
running along the ceiling - 120 degrees in the summer.  No A/C.  The rent
was $50 per month - AND I LOVED IT!

I couldn't afford a phone, but the isolation drove my father crazy - so he
had one installed.

Vicky Heller
Born in Elliot Park
Grew up in Tangletown
Cruised Calhoun/Cedar/Isles while a student
Wound up in North Oaks
Still own some of those first apartments on the West Bank


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[Mpls] First Apartment

2003-03-03 Thread Dee Long
Ah, the good old days. My husband's and my first apartment, in the mid
1960's, was in the Windsor at 3rd and Franklin.
Had a huge one bedroom with a walk-in closet off the living room large
enough to use as a study.  We paid $115 a month
including heat and electricity. Both of us were grad students and both of us
worked a variety of jobs on and off the campus.
Made about $12,000 between the two of us, so our rent with utilities was
less than 12% of that.  Had more disposable
income then than we've had since. Bought a brand new '66 Mustang convert for
$2400 and filled up the tank with 25 cents
a gallon gas.

Dee Long
East Isles


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Re: [Mpls] NRP and city affordable housing fund. Some questions?

2003-03-03 Thread Barbara Lickness
Just to clarify here.  The NRP affordable housing fund
 were funds pulled out of the proposed Phase II NRP
funding pool to a centralized decision-making process
during the time Sharon Sayles Belton was the mayor.

That policy was intended to dedicate $4 million a year
to affordable housing for a period of 4 years and $1
million a year for commercial corridor development.
That decision was made without a neighborhood comment
and review period.

The approval process for allocation of these funds
does require endorsement from the neighborhood where
the proposed development is to occur. However, the
final decision of which projects are funded are
decided by a committee set-up for that purpose that is
comprised of city department staff and some
neighborhood folks.  

The current proposal would remove $2 million from the
pool set aside for affordable housing development
proposals for 2003 and earmark it for use with the
affordable housing mortgage guarantee program. 

These funds were never earmarked for neighborhood NRP
plans.

Barb Lickness
Whittier
NRP Staff

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[Mpls] Housing Issues

2003-03-03 Thread Jim Mork
Mark Anderson:
Jim --  the point you missed is that we were discussing full-time single people

I see. So your claim is that ONLY the people in this category can afford market rate 
housing, and probably ONLY by sharing the apartment. I don't remember seeing this in 
Vicky's computation. Personally, I think I've said it was a shame that rooming houses 
and boarding houses are a thing of the past since they DID allow low-income people to 
pay what they could afford.  Maybe the mayor or Gary Schiff or another city official 
can explain why this cannot be part of the solution to affordable housing (TRULY 
affordable, not just ivory-tower affordable).

Also, why make this assumption of full-time?  Lots and lots of people haven't been 
able to get full-time work since that usually involves benefits and lots of employers 
shy away from giving benefits. Also, since they don't get benefits, they are stuck 
with all the costs of medical care and IRAs plus losing out on paid days off.

Face it, folks, this isn't your father's labor market.  Shifting all the manufacturing 
offshore has really hurt in the housing area.


--
Jim Mork--Cooper

Save yourself from this corrupt generationAll who believed were together and had 
all things in common; they would sell their possessions and goods and distribute the 
proceeds to all, as any had need. Acts 2:4-45

The disciples determined that according to their ability, each would send relief to 
the believers.  Acts 11:29

From each according to his ability...to each according to his need.  Karl Marx
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[Mpls] My First Apartment

2003-03-03 Thread Brandon Lacy
My First Apartment was on W. 28th Street just off 28th and Garfield in the 
Lyn-Lake Neighborhood. I lived there from January 1998-January 1999 It was a 
beautiful two bedroom apartment that I shared with one of my fraternity 
brothers. We paid 650 a month (which I would die to pay again). We had hard 
wood floors, a glassed in porch and even a little balcony. The basement was 
terrifying. And our parties were FAMOUS ;-).

-Brandon Lacy
-Powderhorn Park
Chair
National Lavender Green Caucus
Green Party of the United States
Lavender Greens: www.lavendergreens.org
Brown Tones: www.brown-tones.curvedspaces.com
YouthAction: www.youthaction.net




From: Dee Long [EMAIL PROTECTED]
To: Minneapolis Issues (E-mail) [EMAIL PROTECTED]
Subject: [Mpls] First Apartment
Date: Mon, 3 Mar 2003 17:34:36 -0600
Ah, the good old days. My husband's and my first apartment, in the mid
1960's, was in the Windsor at 3rd and Franklin.
Had a huge one bedroom with a walk-in closet off the living room large
enough to use as a study.  We paid $115 a month
including heat and electricity. Both of us were grad students and both of 
us
worked a variety of jobs on and off the campus.
Made about $12,000 between the two of us, so our rent with utilities was
less than 12% of that.  Had more disposable
income then than we've had since. Bought a brand new '66 Mustang convert 
for
$2400 and filled up the tank with 25 cents
a gallon gas.

Dee Long
East Isles
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[Mpls] First apt

2003-03-03 Thread steven meldahl
My first apartment (other than a dorm room) was a 5 bedroom,  4 bath
house that I shared with 4 other guys on 100' of lakeshore on Cook's Bay
(Lake Minnetonka) just down from Surfside in 1971.  2 of us were
fortunate enough to not have to work that first summer ( I had sold a
patent on an invention with my partner to a large company) so we had
more than alot of fun with our boats etc.  The rent was $1,500 per month
(only $300 each) which included a cleaning service provided by the
owner.  To Brandon - you think you were famous for your parties??

Steve Meldahl
Jordan (work)


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[Mpls] Affordable Housing available in my N'hood

2003-03-03 Thread Constance Nompelis
Jim Mork brought up the valid point that a $600 per
month apartment (one bedroom) is still not affordable
for those who make less than $11 something an hour. 
He's right.  

So here's some affordable housing, courtesy of the
Alley News:

Apts for rent:

Lwr 2BR $495
18th  15th South

Lwr 2BR $495
21st  16th South

Upr 1BR $425
21st  16th South

Upr 2BR $575
28th  Bloom South

The cheapest of these is $247.50 per person (in the
2BR) not including utilities.  I'm assuming that the
landlord pays heat and water/garbage, which are the
most expensive utilities these days.  That's pretty
good.

Additionally, in response to Mr. Mork who appeared to
be jabbing at landlords (asking who provided *truly*
affordable housing) I will raise my hand high.  My
neighbors who live upstairs in my duplex pay $500 per
month, and they have 1.5 bedrooms plus a dining room
plus laundry plus off-street parking.  Their rent
doesn't even cover my mortgage, but because they've
proven themselves to be nice, trustworthy and quiet
neighbors, I am pleased to provide them with as much
as I can at a decent price.  I have plenty of
neighbors who do the same.  (Maybe it's because we
live in a rough area, and have to have low rent, but I
prefer to look at it in terms of building a community
based upon friendliness and trust.)

At any rate, if someone wants to take advantage of the
affordable housing referenced above, take heart in the
fact that you'll have me for a neighbor! :)

Connie Nompelis
Ventura Village  

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[Mpls] my first swingin' bachelorette pad

2003-03-03 Thread j c harmon
My first apartment was a 1 bedroom, 1 bath efficiency in an octoplex in 
Camden for $320/month in 1988. I was working full time making $5.50/hour 
($10,560 gross per year) at the time, and I took the bus to work and back - 
never considered a car the, worked downtown and likely couldn't have 
afforded one anyway what with repairs and maintenance. My rent credit that 
came in August was usually about $500, and I was single at the time. There 
were times it was tough - I remember paying my bills the day before getting 
paid and by the time I deposited my bi-weekly check I had $7 liquid to my 
name. I honestly don't know how I did it. Shopped at thrift stores for 
clothes for work mainly, and ate alot of maccheese and ramen noodles I 
guess. By the time I moved about three years later, I was making about 
$7.25/hour and the rent hadn't increased in that time. It was a clean, 
comfortable little basement apartment, sans the incoming roach swarm, and 
all the other renters were female seniors at the time. They told me I was a 
'test case' because I was only 22 at the time, and they didn't want some 
rowdy, party-girl causing trouble or 'humbuggin' (a direct quote from the 
landlord.) I didn't...much.

Upon purchasing my first home, I was making about 28K/year. I had $9000 from 
a divorce settlement to put down, and bought at 5.99% fixed in 2000. My 
house payments were about $530/month then and I got a lot of a fixer-upper 
house for the money - almost 3 bedrooms, 2-story, but built in '21 though so 
very few closets. Double garage, creepy basement to store stuff in. It was 
recently appraised for $113 but I'm sure if we sold we'd likely be able to 
get more for it - (God willing and the creek don't rise.)

As an aside, a house in my current neighborhood that looks as if three 
different additions were added over time, using three different materials 
was recently listed at $113K. It looks kinda rickety. There's a wire and 
wood fence similar to something you might see on an emu or llama farm and 
it's set way back on a corner lot. I thought the price was way too high due 
to the condition of the property, but in a couple weeks someone overbid and 
it sold for $140,000!

Amazingly affordable are two condo units (they may have already sold) at the 
old Bremer school building on Lowry  Emerson. They listed a one bedroom 1 
bath for $59K and a two bedroom for $79K. It's a secure building and is 
likely the lowest priced ownership housing I've seen recently. Surprisingly, 
two similar units at the Bremer were for sale when I was looking for about 
the same price. I often wish I would have opted for a condo. No mowing, 
shoveling, schlepping. I've always loved that building but have never been 
inside to see the actual units...

Jill Harmon
Cleveland


List members, what are your recollections of your first apt, house, and 
how
much of your pay it consumed?

Craig Miller
Former Affordable Housing Provider
Living in Rogers
[EMAIL PROTECTED]


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[Mpls] My first place

2003-03-03 Thread Mark Snyder

My first place was part of a tri-plex on Taylor and Spring St in NE
Minneapolis.  It had 4BRs and I shared it with three of my fraternity
brothers.  Rent was $1060 per month.  This was 1996-1997, my last year of
college.  I was lucky to have a good engineering internship for most of that
period that paid $14.50 per hour and I worked about 25 hours per week.  So
rent was about 25% of what I took home.

My second place was a 2BR apartment on Larpenteur Ave and Cumberland St. in
St. Paul that I shared with one of the guys from the first place.  Rent
there was $600 per month.  This was 1997-1998.  During that period, I worked
for a nonprofit environmental advocacy group, making $12 per hour but
working 35-40 hours per week.  So rent was again about 25% of what I took
home.

Now I live alone in a pretty cool old house in Windom Park that was built in
1906.  Mortgage is $100K - monthly payment, including insurance and taxes is
$820 per month (I pay a bit more per month since my other expenses are
pretty low).  I work for the State as a chemist and take-home pay now is
$2200 per month, so I'm up to 37%, but now I'm stuck with a grumpy old cat
that probably would start plotting my demise if I tried to move him
someplace else. 

My old roommate lives a few blocks from me with his wife (no kids).  They're
renting a duplex unit and paying around $1000 a month, I think.  My sister
and her family rent a duplex unit a couple blocks from me in Audubon Park.
They have a 5-year old boy, so it's a 2BR place.  Rent there I think is
$1100.  I feel pretty damn lucky.

Mark Snyder
Windom Park


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Fw: [Mpls] Realism in Housing

2003-03-03 Thread Anderson Turpin
I need to correct one number below.  Each person sharing the $600 apartment
need make only $5.75/hour, not $6.75/hour as I wrote below.  I need to
sharpen my own pencil a little bit.

David - please forgive me for my 3rd post today -- I felt I had to correct
my error ASAP.

Mark Anderson
Bancroft

- Original Message -
From: Anderson  Turpin [EMAIL PROTECTED]
To: [EMAIL PROTECTED]
Sent: Monday, March 03, 2003 1:04 PM
Subject: Re: [Mpls] Realism in Housing: RT and Police-community Relations


 Jim Mork wrote:
  The definition I've heard of affordable housing' is 30 percent of
income.
 A $600 apartment, if ALL utilities are included, costs $7200 a year.
 $7200/.3 is $24,000 a year.  $24,000/2080 = $11.50 an hour.  Retail
 employees don't MAKE $11.50 an hour.  And that is what the modal employee
 does.
 
  If you make $7.50 an hour and IF you have 40 hour/week job, you make
 $15,600.  Doing the rest of the math, it means an affordable domicile is
 $390 a month INCLUDING utilities.
 
  So, now which of you geniuses is renting for $390/month?
 
 Mark Anderson reply:
 Jim --  the point you missed is that we were discussing full-time single
 people, and so the apartment needs to be shared with another person.  Then
 each person only need make $6.75/hour, even based on your dubious maximum
of
 30% for housing.  Back when I was poor, I never even considered renting an
 apartment by myself, because I knew I couldn't afford it.

 Concerning the first places I rented as an adult:
 As I recall, when I was a student in the mid '70's, I usually found a
place
 that cost a bit less than $100/month.  Counting work and my social
security
 payments (because my father died), I was probably making about $5000/year.
 So I was paying less than 30% on housing.  Of course I was paying tuition
 too, and saving money when I wasn't between jobs.

 On rooming houses:
 I sure think the prohibition against more than 3 unrelated persons in a
 residence should be repealed.  I think it's basically an anti-poor person
 law pushed by neighbors who figured that such houses would be party
houses.
 One of the down sides of neighborhood empowerment.

 Mark Anderson
 Bancroft




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[Mpls] My first pad...percentage of income...

2003-03-03 Thread Brandon Lacy
I forgot to include thatat the time I moved in to my first apartment in 
Lyn-Lake, I was making 6.53 an hour at the University of Minnesota, and I 
was limited to working 15 hours/week. I also received about 3000 in excess 
financial aid money that I used for rent, so my total income for the year 
was about $8000 before taxes. I paid roughly 60% of my income to rent. There 
was an entire summer that I lived off of white rice and steamed broccoli. 
That same summer, in order to make rent in August (most likely the most 
horrific month for a student at the U...), I had to sell my tv, vcr, and 
about 200 CDs.

My next apartment was 850 a month, and I paid 450 dollars of that. That was 
in 2000, but at the time I was making 25K a year, so roughly 22% of my 
income in rent. Things have definately improved. Students dependent on 
financial aid who went to school year round (as I did), should be running 
the US economy. WE can survive on anything.

-Brandon Lacy Campos
-Powderhorn Park


Chair
National Lavender Green Caucus
Green Party of the United States
Lavender Greens: www.lavendergreens.org
Brown Tones: www.brown-tones.curvedspaces.com
YouthAction: www.youthaction.net




From: j c harmon [EMAIL PROTECTED]
To: [EMAIL PROTECTED], [EMAIL PROTECTED]
Subject: [Mpls] my first swingin' bachelorette pad
Date: Mon, 03 Mar 2003 19:45:07 -0600
My first apartment was a 1 bedroom, 1 bath efficiency in an octoplex in 
Camden for $320/month in 1988. I was working full time making $5.50/hour 
($10,560 gross per year) at the time, and I took the bus to work and back - 
never considered a car the, worked downtown and likely couldn't have 
afforded one anyway what with repairs and maintenance. My rent credit that 
came in August was usually about $500, and I was single at the time. There 
were times it was tough - I remember paying my bills the day before getting 
paid and by the time I deposited my bi-weekly check I had $7 liquid to my 
name. I honestly don't know how I did it. Shopped at thrift stores for 
clothes for work mainly, and ate alot of maccheese and ramen noodles I 
guess. By the time I moved about three years later, I was making about 
$7.25/hour and the rent hadn't increased in that time. It was a clean, 
comfortable little basement apartment, sans the incoming roach swarm, and 
all the other renters were female seniors at the time. They told me I was a 
'test case' because I was only 22 at the time, and they didn't want some 
rowdy, party-girl causing trouble or 'humbuggin' (a direct quote from the 
landlord.) I didn't...much.

Upon purchasing my first home, I was making about 28K/year. I had $9000 
from a divorce settlement to put down, and bought at 5.99% fixed in 2000. 
My house payments were about $530/month then and I got a lot of a 
fixer-upper house for the money - almost 3 bedrooms, 2-story, but built in 
'21 though so very few closets. Double garage, creepy basement to store 
stuff in. It was recently appraised for $113 but I'm sure if we sold we'd 
likely be able to get more for it - (God willing and the creek don't rise.)

As an aside, a house in my current neighborhood that looks as if three 
different additions were added over time, using three different materials 
was recently listed at $113K. It looks kinda rickety. There's a wire and 
wood fence similar to something you might see on an emu or llama farm and 
it's set way back on a corner lot. I thought the price was way too high due 
to the condition of the property, but in a couple weeks someone overbid and 
it sold for $140,000!

Amazingly affordable are two condo units (they may have already sold) at 
the old Bremer school building on Lowry  Emerson. They listed a one 
bedroom 1 bath for $59K and a two bedroom for $79K. It's a secure building 
and is likely the lowest priced ownership housing I've seen recently. 
Surprisingly, two similar units at the Bremer were for sale when I was 
looking for about the same price. I often wish I would have opted for a 
condo. No mowing, shoveling, schlepping. I've always loved that building 
but have never been inside to see the actual units...

Jill Harmon
Cleveland


List members, what are your recollections of your first apt, house, and 
how
much of your pay it consumed?

Craig Miller
Former Affordable Housing Provider
Living in Rogers
[EMAIL PROTECTED]


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[Mpls] First Apartment

2003-03-03 Thread Delcalzojan
I love this subject thread - it has made me think about things I haven't thought about in years. 

My first apartment in Minneapolis was at 32nd and Dupont, shared with two others and cost $120.00 a month so my share was $40.00. Okay, so our apartment was a converted attic on the third floor and the kitchen which we shared with the second floor renters was on the second floor. No air conditioning so it was hot in the summer, but the bus was only two blocks away and none of the three roommates had a car. 

I took a job at Control Data with my college degree as a Clerk Typist for the grand sum of $250/mo (rent was 16% of my income). I seemed to have lots of money, beer was cheap, so were clothes, maybe not having a car was a blessing. 

And the company picked up the whole tab for health insurance. I handled the employee benefits at Control Data and at that time the cost to the company for a single employee's health coverage was $3.69. Coverage for a family was about $11.00 I think with the company picking up most of it. Now those are shocking numbers and I think one of the reasons why so many things are way too expensive today..

It was a fun time. 

Jan Del Calzo
Lynnhurst


Re: [Mpls] My First Apartment

2003-03-03 Thread WizardMarks
My first place to live away from my clan was living at the YWCA in 
downtown Cincinnati. I earned $39.47/wk as a file clerk at the Welfare 
office. Room and board at the Y was $13.50/wk. That was two meals a 
day, six days. Shared a shower/bathroom with half a floor, but had my 
own room, something new to me. Lived on the 9th floor. Boys could come 
to visit in the parlor on the first floor. Girls, of course, could 
come upstairs.
I walked to work, only about three blocks away. If I left downtown I 
took the bus. I didn't have a car, but then I didn't know how to drive 
either. We window-shopped for fun. Or we acted as ushers at the symphony 
or the Schubert where I saw Patti Duke and Ann Bancroft in the Miracle 
Worker among other plays. In the summer we bussed up to Mt. Adams and 
listened to the opera for free since it was an outdoor production. It 
was also held at the zoo's outdoor amphitheater so particularly poignant 
arias were accompanied by elephants trumpeting and the big cats roaring. 
We thought that was the best part and graded the worth of the singers by 
how much commotion the animals were making.

WizardMarks, Central



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Re: [Mpls] My First Apartment

2003-03-03 Thread Dennis Plante

My 1st apartment was a homestead cabin 5 miles through the woods from the nearest neighbor. No electricity, a hand pump (and outhouse) out back. Rent was my sweat equity in fixing-up an old house that hadn't been lived in for forty-odd years. When I think back on it, it makes me realize the difference between the things I "need" and the things I "want".
I would have to agree however, that for rent to be truly affordable (in an urban environment), it should not exceed30% of the gross household income.
Dennis Plante
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[Mpls] First Apt. stories

2003-03-03 Thread Annie Young
This thread has been a breath of fresh air. Kind of like the restaurant one 
a few weeks back.
For me what is interesting is that I didn't live here in the late 60's, 
early 70's but have heard all the old stories through my years in the days 
of food co-op organizing.
It is a gas reading all these stories about those of you who have been here 
for a very long time.  I didn't get to Minneapolis until 1974 and lived off 
15th and Franklin.  I have no idea what the rent was other than cheap by 
today's standards and it is similar to all the stories you have been 
telling. The sharing of roommates, friends and visitors.
Yes, those were the days.
So can someone tell me what I missed the last 30 years - what got so 
whacked out that we watch Bowling at Columbine and wonder why our society 
has become so afraid and fearful from the days when we all loved one 
another.  I used to dream ( and not very long ago either) about a world in 
balance. What happened? The chemicals have gotten to us in more ways than 
one...we are a sick, sick place to be at the moment. Can the planet sustain 
all this anger, fear and anxiety.
Times seem to be very tough - this must have been about what our parents 
and grandparents were feeling in the late 1930's.
Didn't mean to go to a depressing note... but thinking about our wild, 
wonderful years when gasoline was .25 a gallon - it certainly makes you 
wonder - where we went wrong.
Fun to hear what you all were up to way back then.
Annie Young
East Phillips

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