Category Archives: Housing

Reinventors Roundtable on Foundation Housing Idea

Pete Leyden has a new format mini-conference using Google Hangout: the reinventor series.   Last week he invited me to talk about Foundation Housing and had serious housing experts critique it and explain some of their ideas for affordable housing. (I … Continue reading

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Community Land Trusts maybe a way towards debt-free Foundation Housing

A friend mentioned an organization in Marin County: Community Land Trust Association of West Marin that was set up to buy or get bequests of housing and use it for those that work in the area.  The problem is that … Continue reading

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Local Currency that seems to be working in Georgia

My brother-in-law runs an auto repair shop that opened a couple of years ago in a town of 30,000 in northwestern Georgia.   He joined a “Barter Exchange” and this has lead more customers to him, and helped him buy meals … Continue reading

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Towards Debt-Free Housing in New Brunswick, NJ

Jim Zarra of a church in New Jersey gave me a tour of 2 houses that they own and run that are in many ways, debt-free and public benefit.    They also have an 11 unit addition to their church … Continue reading

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2001 Essay on US tax benefits for real estate developers, and that it encourages bubbles and flipping

My friend Matt Ostrowski sent me a link to an article written in 2001 by Michael Hudson.  Not an easy read, but interesting because it was written in 2001, therefore the before the housing bubble popped in 2007.    It shows … Continue reading

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The Credit Union is an Association of People, Not of Dollars

A friend, Patricia Watts, sent this picture of her mother because she knew we are setting up a Credit Union. Helen M. Watts (1922-2012) managed a credit union in Phoenix, Arizona for 15 years (1961-1976). She was a pioneer in the movement … Continue reading

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Microfinance in the USA: Predatory lending to the lower middle class

I saw Hugh Sinclair speak and just finished his fabulous book:  Confessions of a Microfinance Heretic: How Microlending Lost Its Way and Betrayed the Poor .   It shows how Kiva, Citi, and a famous VC, Vinod Khosla, among many … Continue reading

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Is there a way to decrease total debt?

“Spend less, save more” is the advice for the individual to decrease debt, but what about thinking system-wide?  What does it take to have less total debt in society? Counter-intuitively, the key to having less total debt is to have … Continue reading

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Non-Financial Endowments for Public-Benefit Organizations?

I would like to help the Internet Archive thrive for very long time.    An endowment is one tool, but financial endowments have some issues, so what about exploring non-cash endowments?   Non-financial endowments, if done correctly, appears to create longer term … Continue reading

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Virtue in Failing the Credit Game?

I was turned down for an American Express card.   Repeatedly. I have plenty of money and, when I enquired about my “credit score” I found it in the 700’s which they say is quite good.   So why was I turned … Continue reading

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