Tag Archives: debt-free housing

Creating Free and Open Societies

  Creating Free and Open Societies From Free and Open Source Software, to Non-profit High-tech Organizations, to Debt-free Affordable Housing  Brewster Kahle,  the club,  May 12, 2014,   cc-by    v3 msword pdf tl;dr summary:  Public Licenses Rule (in software and … Continue reading

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Affordable Apartment Building for Non-Profit Workers– the first Foundation House

We now have it! A new non-profit now owns an apartment building in the central Richmond district of San Francisco.     The mission of the Foundation House is to create affordable housing for people that work in non-profits– in … Continue reading

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Purchasing the first “Foundation House”– Debt-Free Housing Experiment is Starting!

We are purchasing the first apartment building to be a “Foundation House” in San Francisco!  (More details on the building).  This is a form of Endowment for non-profits in the form of usable housing and real estate investment rather than … 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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Summary of the Debt-Free Housing for Public Benefit Workers Idea, and Responses to Critiques

Summary: (for full idea and footnotes, please see http://brewster.kahle.org/2012/01/19/debt-free-housing-for-public-benefit-workers-2/ ) With a long-term mindset, we can cost-effectively and permanently decrease the rent on apartments 75% for the people that work in public-benefit non-profit organizations.   This can improve social services by … Continue reading

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Debt-Free Housing for Public-Benefit Workers

Brewster Kahle January 9, 2012 On archive.org. The largest single expense for the staff of the Internet Archive is housing, as this paper will show the majority of the cost of housing goes to debt service (either directly through mortgage, … Continue reading

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Structural Problem with our Mortgage-based Home-ownership System

Unfortunately, as long as US homes are largely purchased with 30-year mortgages, we are going to see large price swings for houses as interest rates swing, and bail-outs are likely every time interest rates go up unless it goes up … Continue reading

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Debt-free Housing for Public-Benefit Workers

A growing number of non-profit organizations are appearing to solve all sorts of public benefit missions from health, education, assistance for the less fortunate.  Those that decide to work in these non-profit organizations often forgo  some of the financial rewards … Continue reading

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Really Owning our Homes: Home/Land Security

What if most people owned their homes free and clear, in other words, debt free?   If we were renting, what if the rent were less than 1/2 of what it currently is because we only paid for upkeep and taxes, … Continue reading

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