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Unlocking personalities: Understanding yourself and others

Have you ever wondered why people think, feel, and behave so differently from one another? 

 In an enlightening webinar titled “Unlocking Personalities,” Dr. Michael Johnson, the Boeing Company Endowed Professor of Business Management, explored how understanding the Big Five personality model can help us better comprehend our own and others’ behavioral patterns.   

The Big Five Personality Dimensions

From Dr. Michael Johnson’s ” Unlocking Personalities: Understanding the Big Five Model” webinar presentation, University of Washington, 2024

Openness to Experience

  • Core Traits: Creative, curious, and receptive to change 
  • Workplace Impact: Excel in roles requiring innovation and creativity 
  • Career Implications: Strong tendency toward artistic and scientific fields 
  • Professional Development: Best suited for roles involving innovation and strategic thinking

Conscientiousness

  • Core Traits: Organized, reliable, and achievement-oriented 
  • Workplace Impact: Strongest predictor of overall job performance 
  • Career Implications: Lower rates of workplace deviance, higher task completion 
  • Professional Development: Excels in roles requiring attention to detail and reliability

Extraversion

  • Core Traits: Sociable, assertive, and energetic 
  • Workplace Impact: Enhanced performance in sales and management roles 
  • Career Implications: Natural tendency toward leadership positions 
  • Professional Development: Thrives in roles requiring interpersonal engagement

Agreeableness

  • Core Traits: Warm, cooperative, and sympathetic 
  • Workplace Impact: Higher levels of organizational citizenship behavior 
  • Career Implications: Strong team collaboration and support capabilities 
  • Professional Development: Best suited for roles requiring interpersonal harmony

Neuroticism (Emotional Stability)

  • Core Traits: Tendency toward emotional variability and stress sensitivity 
  • Workplace Impact: Influences stress management and pressure handling 
  • Career Implications: Affects decision-making under pressure 
  • Professional Development: Benefits from roles with structured support systems 

Using the Big Five Model for Personal and Professional Development

Understanding your Big Five personality profile offers more than just self-insight – it provides a framework for personal growth, professional development, and building better relationships with others.  

Personal Growth 

Self-awareness: Recognizing one’s standing on the Big Five dimensions can lead to greater self-awareness. For example, if you know you are low in conscientiousness, you can focus on developing strategies to improve organization and reliability. Similarly, if you score high in neuroticism, you can work on stress management and emotional regulation techniques. 

Managing Strengths and Weaknesses: Each trait has potential strengths and weaknesses. High scores in a particular trait might lead to beneficial outcomes in certain situations and less so in others. For example, while high extraversion can benefit networking, it might also lead to overstimulation and the need for solitude for some people. Knowing these potential downsides enables you to manage and adapt your behavior effectively. 

Targeted Development: By understanding your personality profile, you can target specific areas for personal development. For example, those low in openness can consciously work on being more receptive to new experiences and ideas. Individuals can consciously work on their behavior and personality, such as becoming warmer or more assertive. 

Interpersonal Relationships  

Understanding Others: Awareness of the Big Five model can help you understand how others think and act. For example, if you interact with someone low in agreeableness, knowing they may “tell it like it is” can help you avoid taking their directness as a personal attack.  

Team Composition: Knowledge of personality traits is helpful in team composition and role assignment. Understanding that agreeable individuals are more likely to engage in organizational citizenship behaviors can help build teams. Placing an individual high in openness in a role that requires innovation can foster creativity.  

Effective Communication: The Big Five can affect communication styles. For instance, extroverts tend to be talkative and assertive, while introverts might prefer to communicate in writing or one-on-one settings. Recognizing these differences can lead to more effective interpersonal communication. 

Leadership: Extraversion strongly correlates with leadership emergence, and those high in this trait tend to be assertive and energetic. On the other hand, high neuroticism can negatively affect leadership effectiveness. Understanding these connections can help you recognize and develop your leadership skills and styles.  

Relationship Dynamics: Agreeableness is linked to increased organizational citizenship behaviors, and agreeable people are warm, cooperative, and sympathetic. However, very high agreeableness can sometimes be seen as naive. Effective interpersonal relations require a balance of agreeableness and assertiveness. Interpersonal traits such as extraversion and agreeableness are linked to cooperation, sensitivity, warmth, and social coordination behaviors. 

UW Resources for Personal Growth and Professional Development

Understanding personality traits is valuable, but putting this knowledge into practice often requires support and guidance. The University of Washington offers two key resources to help you on this journey. The Washington State Employee Assistance Program (WA EAP) provides PEBB-eligible employees and their household members with confidential support, including solution-focused counseling services. You can access up to 3 sessions per concern and use this benefit multiple times throughout the year as different challenges arise. 

For additional support in specific areas of life, UW WorkLife offers valuable resources for managing both personal and professional challenges. Whether you’re seeking guidance on workplace relationships, looking for work-life balance strategies, or needing support for caregiving responsibilities, these programs provide the practical tools and information you need to thrive both at work and in your personal life. All services are confidential and designed to support your overall well-being. 

If you missed the live webinar or would like to review the content, a recording is available on The Whole U’s YouTube:

Looking Forward

Dr. Johnson recommended completing a free Big Five assessment at bigfive-test.com for those interested in learning more about their personality profile. He also suggested further reading, including “Me, Myself, and Us: The Science of Personality and the Art of Well-Being.” by B.R. Little and “Quiet: The Power of Introverts in a World that Can’t Stop Talking.” by Susan Cain. 

Getting real about financing college

Your mind may have been boggled by the recent headline declaring that the full cost of attaining a four-year degree at a few of the nation’s elite universities is about to surpass $400,000 for the first time.

Of course, few students will actually pay this astronomical sticker price. And higher education costs quite a bit less at the vast majority of schools.

But the reality is: a college degree is expensive anywhere. Especially when you factor in room, board, fees, books, technology, supplies and travel as well as tuition.

According to the Education Data Initiative, the average annual total cost for a student attending a private university is now $58,628 (including $38,768 in tuition).

The average annual cost for an in-state student at a public university is $27,146 (including $9,750 in tuition). For out-of-state students, that average annual cost at a public university rises to $45,708 (including $28,386 in tuition).

That puts the University of Washington above average for both kinds of students. The total annual cost for in-state students is estimated at around $35,000 (including $11,869 in tuition). The total estimated annual cost for out-of-state students runs closer to $66,000 (including $42,105 in tuition).

These costs are not standing still. EDI reports that the price tag for higher education in the United States has doubled since the turn of the century, rising at rate greater than 4% per year. And there’s no sign that this growth is going to slow.

That’s the scary part. But there are many strategies to reduce the cost of higher education. We asked our partners at BECU to help get you started on economizing college. Your dreams of sending your kids to college are not impossible. With some smart saving and savvy planning, you can make it happen.

Start saving early

The best way to ensure you have enough funds for your children’s higher education is to start saving as early as possible. Thinking about higher education expenses when your children are still young may seem unusual. However, the earlier you start, the more time you have to save and plan. Even small contributions can add up over time and make a significant difference in covering the cost of higher education. Here are some education savings strategies to consider:

529 Plans – tax advantaged savings plans designed to save money for approved higher education expenses including tuition, fees, books, supplies and room and board. 529 plans can be used at any public or private college, university or technical school in the United States (and even some foreign colleges). They come in two types:

  • 529 education savings plans – investments grow tax-deferred, and withdrawals are tax-free when used for qualified education expenses. Washington state’s 529 education savings plan is called Dream Ahead.
  • 529 prepaid tuition plans – allow you to prepay all or part of the costs of a college education to essentially lock in future tuition costs at today’s prices. Washington state’s 529 prepaid tuition plan is called GET (Guaranteed Education Tuition).

Coverdell Education Savings Accounts – also known as an Education Savings Account (ESA), is a tax-deferred account where earnings and distributions are tax-free as long as the funds are used for educational purposes. The maximum annual contribution limit is $2,000 per year per student.

Traditional savings and CD accounts – though they lack tax advantages, the put the power of compound interest to work for you, meaning you’ll earn more money on your savings over time.

Economize college

Cut unnecessary expenses – review your current monthly expenses and identify areas where you could cut back to free up extra cash for your children’s higher education. It could be as simple as eating out less, canceling unused subscriptions, or finding more budget-friendly entertainment options.

Create a budget – a detailed monthly budget can help you track your spending and identify areas where you can save. Make sure to include all your expenses, including groceries, utility bills and other necessary expenditures. Stick to your budget and find ways to save even more each month.

Consider a side hustle – look for creative ways to increase your income. Consider taking on a part-time job or picking up a side hustle. Many people earn extra income through gig economy driving and delivery jobs or by freelancing, selling items online, providing tutoring or pet-sitting services

Calculate the real cost of a degree

Average costs only get you so far in calculating how much money your family is going to have to pay for higher education. Higher education comes with a wide variety of price tags.

Before you get too far into the math, take some time to talk to your student(s) about their educational goals. Do they dream of a bachelor’s degree? Or would a vocational degree better suit their career goals? Do they know what they want to study? Or do they need more time to figure out what they want to major in?

A group of young college graduates poses in cap and gown.

Once you start considering particular schools, it’s important to note that the price a given student or family pays for tuition can vary dramatically based on demonstrated need and merit. Universities determine financial ad packages for each accepted student based on the information in the FAFSA (Free Application for Federal Student Aid). Some private universities also use College Board’s CSS Profile for decisions on need based financial aid awards.

When making decisions, remember to consider the full cost of education. Tuition gets most of the attention, but it’s important to calculate the full cost including fees, on-campus room and board or off-campus housing and food budget, books, computer, supplies, travel and other miscellaneous expenses.

That’s the bad news. The good news is that there are many opportunities for need and merit-based grants and scholarships to also factor into the net cost of education. More on these below.

Got get a realistic picture of what higher ed might put you back, many universities publish their own online cost calculators, in which you can customize your own student’s situation. There also are more general cost estimators available on many financial and government sites such as becu.org and  USA.gov.

Explore financial aid options

There are many ways to reduce the cost of higher education, including three primary types of financial aid: loans (which have to be repaid), grants and scholarships (which don’t have be repaid) and work-study employment that lets students earn money and gain job experience while they’re in school.

The amount and type of financial aid offered is based on two factors: merit (scholastic, athletic, musical, etc.) and financial need.

About two-thirds of full-time undergraduate college students receive some sort of financial aid. To find out if you’re eligible, you need to fill out the FAFSA and possibly the CSS Profiles.

Government Loans are borrowed money that have to be repaid with interest. They are generally a better deal than private loans due to a lower fixed interest rate, more flexible repayment terms and potentially deferred payments. Two forms of government loans are:

  • Stafford loans – used to supplement personal and family resources, scholarships, grants and work study. They may be subsidized (interest payments are waived while your child is in school) or unsubsidized (interest accrues during school).
  • Parent PLUS Loan – can cover more of the cost of education than a Stafford Loan, but they have higher-interest rates and are only available to parents of enrolled students.

Government Grants are awarded by federal, state or local governments. They are often need-based and do not need to be repaid. Examples include the Federal Pell Grant, Federal Supplementary Educational Opportunity and the Teacher Education Assistance for College and Higher Learning (TEACH) Grant.

Scholarships are available through a variety of organizations, including universities, employers, individuals, nonprofits and religious and professional groups. Scholarships can be a good resource for families that have too much income to qualify for federal financial aid, but not enough to pay for school without assistance.

If you have a student in the Seattle Public Schools system, you might consider the Seattle Promise program. Seattle Promise provides graduates of Seattle public high schools tuition-free education at three Seattle Colleges—North Seattle, Seattle Central and South Seattle—for up to two years, 90 college credits or the student’s first degree, whichever comes first. Eligibility for Seattle Promise does not consider GPA, income, ability or country of birth.

Consider alternative pathways

If you are like most families, at some point you will need to involve your children in a reality check. Compare the prices of different schools. Maybe your child dreams of attending an Ivy League school but doesn’t want to be paying off a student loan 25 years from now. Maybe there is a comparable experience to be found at a less expensive private or public school.

It is also important to consider that there may be better options than a traditional four-year college for some young people. For some young people, trade or vocational schools offer specialized training and qualifications that can lead to well-paying jobs and satisfying careers.

Daunting but doable

In conclusion, paying for your children’s higher education can seem daunting, but it is achievable with planning and changes to your spending habits. By starting early, cutting unnecessary expenses, creating a budget, and exploring financial aid options, you can alleviate some of the financial burdens of college. Remember to involve your children and consider alternative pathways if necessary. With these tips, you can help set your children up for a productive and independent future.

 

Find many more great tools to maximize your financial health at BECU’s Get Money Smart site or blog.

Raising healthy kids in a digital world

Five young adults smiling for a selfie

As a tween or teen, it can be difficult to navigate the complexities of social media. These strategies can empower parents and caregivers to create a realistic plan for their family’s screen use.

Parents and caregivers of tweens and teens can’t fail to have seen—probably on social media—a recent report from the U.S. Surgeon General about the “profound risk of harm” to adolescents’ mental health and well-being caused by excessive use of social media.

“Parents tell me they watch their children retreat to their bedrooms and spend hours alone with their screens,” wrote the Surgeon General in the Washington Post, “exposed to an endless feed of flawless bodies and unrealistic ideals.”

The report substantiates what many researchers, doctors, parents and lawmakers have long suspected about social media use in youths, elevating the conversation of how to address the issue to the national level.

And it is indeed an issue: a 2022 Pew Research survey found that 95 percent of teens said they had daily access to a smartphone, while 35 percent said they were using at least one of the top five social media platforms (YouTube, TikTok, Instagram, Snapchat and Facebook) “almost constantly.”

According to Screen Sanity, a national nonprofit focused on digital health for youth, 80% of teens check their phones throughout the night and respond to every notification.

That’s a lot of lost sleep.

Clinical diagnoses and self-reporting among adolescents of anxiety and depression, along with emergency room visits for self-harm and suicidal ideation, have risen in recent years in a seemingly parallel pattern with increasingly prevalent use of social media.

But the correlation between social media use and increasing rates of distress among young people is unclear.

Recent research considering the connection between social media and youth well-being has been consistently inconclusive, demonstrating both a positive and a negative effect: while excessive screen time of any kind disrupts sleep and can supplant activities like exercise, reading and other hobbies, social media use has allowed countless youths to connect with a community and express themselves.

There is a correlation between time spent on social media or in online gaming and monetary cost as well. Alexis Hiniker, associate professor at the UW Information School, has researched the prevalence in apps and games of “dark patterns”, interactive designs deployed in the ‘attention economy’ that encourage longer gameplay or reengagement with gameplay, ad viewing and making in-app purchases.

For kids who are still developing their digital critical thinking skills, coercive dark pattern design can result in hundreds of dollars spent on in-app purchases.

Earlier this year, the American Psychological Association issued its first-ever social media guidance recommendations, suggesting that parents and caregivers keep careful tabs on kids’ usage. The APA also suggested that tech companies producing apps like Instagram, TikTok and Snapchat reconsider features like endless scrolling and the “like” button.

What can we do to help our kids have a healthier relationship with screens and social media?

Dr. Dimitri Christakis, a leading child development expert and director of the Center for Child Health, Behavior and Development at Seattle Children’s, has said that screen time isn’t all inherently bad, and might even have some educational benefit for kids—as long as parents and caregivers are engaged in the curation and management of the content being consumed.

While this is particularly true for parents and caregivers of young children, engagement also goes a long way with tweens and teens.

Dr. Christakis suggests taking a highly active role in children’s media education by co-viewing programs with them and talking about them afterward—what was new, exciting or funny.

With older kids, playing video games with them and sharing fun and engaging apps and social media sites together—helping them to curate their feeds—goes a long way toward a healthier approach to its use.

It’s never a bad idea to remind kids that social media is a highlight reel

Of course, not all screen time is created equal. An hour spent watching a Minecraft gamer setting TNT on his opponent’s build, for example, is not equivalent to an hour spent video chatting with grandparents.

And for older kids, video chatting and text have become the standard means of socializing—so does that count as screen time?

“A lot of preteens and older adolescents do their socializing via screens,” Dr. Christakis said. “Texting and video chats have displaced talking on the phone, so I wouldn’t necessarily count that as screen time.”

Nonetheless, time spent socializing via a device is time not spent in healthy, face-to-face interactions developing real-life relationships—an essential skill for young adults.

Getting kids started with social media

For parents or caregivers considering when to allow their kids to begin using social media, note that the Children’s Online Privacy Protection Act prohibits companies from collecting data online from children under 13. Consequently, social media companies prohibit children under 13 from creating their own accounts.

Of course, the 12-and-under set can easily evade this rule by lying about their birth year—so it really is incumbent upon parents to help their kids navigate social media in positive ways.

Social media expert Devorah Heitner, author of “Growing up in Public: Coming of Age in a Digital World,” offers the following strategies in setting the ground rules for social media use for kids:

  • Create a family media plan to set expectations and check in with that plan regularly. Check out a sample “Media Time Family Pledge” for online media use.
  • Start slow: add new apps one at a time and give kids time to get the hang of how to use them and determine whether the app is a good fit for their personality and temperament.
  • Keep mealtimes and in-person gatherings free of devices to promote family bonding, meaningful conversations and authentic engagement.
  • Set time limits: when kids first get their own device, or first start using social media apps, don’t give them 24/7 access to it. Experts strongly discourage allowing devices in the bedroom at night, or phones used as alarm clocks—too much temptation.
    • You can set a limit via your own phone — on Apple look for the Family Sharing settings and on Android you can use an app called Family Link.
  • Prevent unwanted downloads with an Ask to Buy setting on Apple phones that will send a request to the parent when kids want to buy or download a new item.
  • Help your teen understand and curate their feed by encouraging them to like and follow a diverse group of role models—peers, celebrities doing good works, athletes encouraging positive change in the world.
  • Talk to your kids about who they follow and why and share the same about your own social media accounts. Be sure they understand your boundaries around content and how—and why—to keep their personal information private.
  • Define “sexting” to kids of all ages and make sure they know that it is never ok to send or receive pictures of people without clothing, whether they know the person or not.
  • Resist the urge to take away their device or access to social media if they post something you don’t like, which can backfire if kids go “underground”. Instead, talk with them about deleting a poorly planned post and repairing any damaged relationships.
  • For younger children, consider Pinwheel, a smartphone with multiple built-in parental controls, including the ability to monitor your child’s communications.

Helping teens wean off social media

What if your tween or teen already has a device and access to social media—and is one of the 35% checking apps “almost constantly” and suffering the negative mental and physical health consequences of it?

Much media coverage has been allotted to “tech’s toxic effect” on self-esteem—particularly for girls. Considerably less media suggest how parents and caregivers can help kids wean themselves off or cut back on social media—especially when social media platforms and apps are designed to be both addictive and deceptive.

Jean Twenge, a psychologist at San Diego State University who has extensively researched the effect of social media on teens’ mental health, has some suggestions for helping them cut back:

Set boundaries collaboratively by asking your child what kinds of changes feel manageable, such as cutting down on the number of apps available or limiting overall social media time. Consider using the American Academy of Pediatrics’ free tool for creating a family media plan.

Suggest a social media vacation: a day, a week, a month—any time off from social media can be beneficial to teens. Expect pushback, and be prepared to offer alternatives for the time they would have spent scrolling: a family outing, such as a special shopping trip or visit to a theme park or family fun center, might be just the thing.

Stay firm on your own rules around the amount of screen time teens are allowed, keeping screens out of the bedroom at night and turned off during mealtimes. Like any aspect of parenting, consistency is key.

Additional resources

Bright Horizons + Screen Sanity: UW WorkLife’s employee backup care provider, Bright Horizons, has partnered with Screen Sanity to offer a comprehensive webinar, Improving your family’s digital wellness, to empower parents and caregivers  to create a plan for their family’s screen use, introducing kids to smartphones and safely introducing social media.

Looking for additional support navigating screens or social media with your family? UW’s employee assistance program, Washington EAP, has a variety of resources available to parents and caregivers, including parenting articleswebinars and counseling (available for both parents and caregivers and children).

How to take parental leave: tips from your UW Human Resources leave specialists

So, you’re expecting a new child, either through birth or adoption. Congratulations! It’s wonderful news, but also one of the biggest life events that can come along. Here are tips for taking time away from work to bond with the new member of your family.

What are my leave options?

Erin Rice, assistant vice president of UW Human Resources Campus Operations, says that parental leave is complicated by multiple overlapping state and federal laws, UW policies and union contracts that play into the amount of time you can take off and the means of getting paid during your leave.

“The good news,” she says, “is that there are a lot of options, and UWHR has resources and people to help you understand and navigate your options.”

Below, Rice and her team answer the most commonly asked leave questions.

What are the different components of parental leave?

Birth parents can take 6 to 8 weeks for temporary pregnancy disability, or as prescribed by a health care provider, immediately following the birth. Bonding leave starts after the disability period for birth parents, after birth or placement for non-birth parents.

What government policies affect my leave?

The federal Family & Medical Leave Act (FMLA) is a leave entitlement that provides job and health insurance protection when eligible employees take a leave of absence for a qualifying reason. Eligible employees have worked for the UW for at least 12 months and 1,250 hours.

The Paid Family & Medical Leave (PFML) program is a program of the state of Washington that provides partial wage replacement for employees on qualifying leave who have worked in the state of Washington for 820 hours during the “qualifying period.”

How long can I take leave?

Under UW policy, union contracts and civil service rules, parental leave (after post-birth parent disability) is 4-6 months, depending on which policy or contract applies to you.

For FMLA-eligible parents, the FMLA period (12 weeks minus any FMLA you have used within the last year) runs concurrently with pregnancy disability and parental leave. FMLA is not a separate leave period.

PFML-eligible birth parents can receive up to 16 weeks benefits (up to 18 weeks if you have pregnancy complications). Non-birth parents can receive up to 12 weeks.

Do I have to take leave all at once?

UW Parental Leave is generally taken as continuous (full) leave of absence or, if it meets business needs and has the approval of your unit, can be granted as intermittent leave or a modified work schedule.

Leave covered by PFML can be taken intermittently or on a reduced schedule for the 12 months following the date of a child’s birth, adoption or placement.

How do I get paid?

If you accrue paid time off, you can be paid while on leave by using your paid time off or through parental shared leave. For parental shared leave:

  • Donations from other UW and state employees can be used once your Vacation Time Off and Sick Time Off balances in Workday are each reduced to 40 hours or less.
  • Birth parents can use donated time during disability period + the following 16 weeks.
  • Non-birth parents can use donated time for the 16 weeks immediately after birth or placement.

Faculty can use available paid sick leave to care for the birth parent by following the process to request leave to care for a family member.

It is also possible to take approved leave as unpaid time off.

Through PFML, the weekly benefit amount is generally up to 90% of weekly wages, with a $100 per week minimum and a $1,456 per week maximum (2024).

During a PFML leave, it is the employee’s choice whether to use accrued paid time off. Employees can receive both paid time off from the UW and the PFML benefit for the same period. This is called using “supplemental benefits.”

How do I maintain health benefits while on leave?

If you have worked for the UW for 12 months and 1,250 hours prior to taking parental leave, your health insurance benefits continue just as if you were working during FMLA and PFML.

After your FMLA and/ or PFML is exhausted, or if you are not eligible for FMLA or PFML, you will need to remain in “pay status” to maintain your benefits.

Pay status means that you either use eight hours of paid time off or work eight hours a month.

The UW Benefits office can help with additional questions regarding benefits. And UW WorkLife offers a wide range of other child care resources.

How do I request leave?

All staff and academic personnel complete and submit a parental leave form. Request the entire period you would like to take parental leave in Workday (see Leave of Absence – Sick/Injured or Becoming a Parent User Guide) at least 30 days prior to birth/placement. After approval, request time offs (sick, vacation, unpaid) for each day of your parental leave in Workday.

Parental shared leave is requested by checking a box on the parental leave form.

PFML is requested through the Employment Security Department.

Who can I contact for help with family leave?

Campus staff and academic personnel – hrleaves@uw.edu

Medical Centers staff – medctrfmla@uw.edu

Students – uwdrs@uw.edu/TitleIX@uw.edu

“The most important thing to know is that you should not hesitate to reach out to our leave specialists at hrleaves@uw.edu to discuss any of these issues and how they relate to your leave situation,” Rice says. “They can answer questions by email or over a meeting on Teams or Zoom. They want to help you get your questions answered so you can get on to enjoy being a parent!”

Online resources

UWHR – https://hr.uw.edu/ops/leaves/parental-leave/

Pregnancy Accommodation – https://hr.uw.edu/policies/pregnancy-accommodation/

PFML – https://hr.uw.edu/ops/leaves/paid-family-and-medical-leave-pfml/eligibility-and-benefits/

Academic Personnel – https://ap.washington.edu/ahr/working/leaves/leaves-for-becoming-a-parent/

Students – https://www.washington.edu/titleix/pregnant-parenting/

UW Benefits – https://hr.uw.edu/benefits/

UW WorkLife – https://hr.uw.edu/worklife/child-care-and-caregiving/

For more information, you can watch this new panel discussion on navigating leaves and benefits for new caregivers:

Affordable rental housing through Seattle’s MFTE program 

Whether you are saving money toward purchasing a home or simply watching your expenses, managing your rent costs makes good financial sense. Budget advisors generally recommend keeping housing costs at 30% of your household’s income or less. This can be challenging in the city of Seattle, especially for families earning moderate to low incomes. While average rents in our area declined during the pandemic, they are still among the highest in the country.

The Multi-Family Tax Exemption program, known as MFTE, is part of the City of Seattle’s efforts to make available more affordable rental options. MFTE gives landlords tax incentives if they commit to charging below-market rents to some units in their building. These rent-restricted units are available only to tenants who earn less than a certain percentage of the area’s median income.

UW employees receive priority access to rent-restricted MFTE units at Bridges @ 11th, an apartment complex located in the University District.

Seattle’s Office of Housing website includes full details about the program, including answers to frequently asked questions about MFTE, but the team at Bridges@11th shared some MFTE highlights to help you determine if the program may be right for you and walk you through the typical MFTE process.

1. Find out if you qualify

To qualify for MFTE, you will need to verify that your household income falls within income eligibility limits which currently range from 40% – 90% of Seattle’s area median income (AMI). If you qualify, your rental rates will be capped based upon your household income and the type of unit you rent. Visit the city’s website to compare your household income with the current MFTE income and rent limits.

2. Find a property

To see if there are MFTE properties where you want to live, see the list of MFTE properties on the city’s website. It includes roughly 180 properties located throughout the city, their locations, contact information and the types of units they offer. You’ll need to contact properties and ask about their current availability.

3. Submit your application and join the wait list

You will need to provide a Resident Eligibility Application (REA) to each MFTE property where you apply, and landlords will verify your income at the time they offer you an MFTE unit. Depending on your property’s MFTE agreement, you may need to re-qualify every year or only if you change MFTE units. At Bridges, for example, the REA and income verification are a one-time process that will qualify you for the program as long as you stay in your assigned MFTE unit.

If your preferred property does not have MFTE units available, ask if they have an MFTE wait pool or contact list. You may not be offered an MFTE apartment immediately, but housing situations change quickly and applicants in the wait pool may be offered apartments more quickly than they expect.

4. Keep an eye out for additional incentives

Now is a good time to look for new rental opportunities because many landlords are offering incentives. Each property offers their own incentives and the up-front savings can return nearly a full month’s rent to your pocket. For example, Bridges @ 11th is currently waiving the application fee and security deposit. If you have questions, you can email Kelly Menne (Bridges@AmericanCampus.com), general manager of Bridges @ 11th, call 206-569-5416 or visit www.bridgesat11th.com.

 

Community Relations and UW WorkLife work together to identify affordable housing options for UW employees, including properties that offer priority selection to qualified applicants who are UW staff or students. Visit WorkLife’s Affordable Rental Housing page for more information and subscribe to the UW Insider for updates about affordable housing resources.

Managing housing costs is one way to stay financially fit. Learn more ways to build your financial confidence and get closer to reaching your financial goals with Financial Literacy Month events and resources offered by The Whole U and its partners.