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INVESTING IN COMMUNITY

My wife and I keep saying we want to "Invest in our community." But, "How?" There didn't seem to be a way set up. Lack of which finally gave us a clue: where something is set up, it's usually a "set-up" for others to make profit. Stocks, bonds, and money games are set up and controlled by pros to make money for themselves, not me. What truly supports us is all around us, quietly asking to help.

So we kept wondering. And slowly, answers appeared. One of the kids who grew up with our boys needed a loan for his homestead/farm. Property values had gone up enough that it was secure, so we gulped and made the loan. Another organic farmer needed to build some greenhouses for year-round production so he didn't have to lay off his help every fall. We put the word out, some friends showed up, and each of us loaned enough to add up to what he needed without too much risk for each of us. And hey - if times get bad, it’s not a bad idea to have some growers beholden to you!

The next thing that happened was different. We were setting up a conservancy land trust, when the last farm on the estuary between our towns came up for sale. Wetlands restoration, a sanctuary for elk that calve on the estuary islands, salmon stream restoration, community gardening. The only out was for several of the board members to use some of their retirement savings for a down payment, with one of them putting up a CD for security for a loan from a local bank. It looked like we would be OK even if the Trust couldn't raise the money to buy from us for what we paid for the land. And to show there was no funny business, we wouldn't charge interest.

It worked. And blew people away that people would be willing to really invest in their community in that way. The Nehalem Trust is thriving now, with other properties, and is a pride of the community. Land prices have gone up so much that you can hardly buy a single house lot now for what we paid for the whole 55 acre farm. And its value as green space raised the property values of surrounding homes far more than any tax loss to the county.

After that, we started working on affordable housing, urgently needed in our area. As a start, we pulled more money out of the stock market and went in with a friend to purchase a standard 1970s 3-bedroom ranch house, remodeled it into "flex-housing" which now accommodates six people with room for them to work, in varying combinations of rooms and spaces. At the same time, we did an energy upgrade to show what can be done with existing housing. Wood heat, super-insulation, upgraded windows, efficient lighting and appliances, and super-low-flush toilets. It's doing great!

But now we were out of reserves, my eyes had gotten bad and I had trouble doing my architectural work. Our housing ideas had evolved into doing a housing trust (aka community land trust or CLT) that holds land in perpetuity, with resale restrictions on the houses, to keep public investment working and housing affordable forever. We knew inflation doubled housing costs every 20 years. And finance costs equal the construction costs of a home. Plus, energy operating costs already are as great again. We realized that a CLT owning the homes could pay off the mortgages in 20 years, cutting housing costs in half. Trust-owned houses wouldn't inflate, so would cut costs in half again. We can now design them as zero-net-energy homes, bringing energy operating costs down near zero. And the CLT could be a vehicle for people to invest in housing in the community. Showing how to get eighty percent reduction in housing costs? Wow!

But we needed land. Prices were running up like a bill at the gas pumps. Global warming is threatening to flood half of the land in our communities. Then one morning, a realtor friend showed us a 10 acre property just coming on the market. It cost "only" $208,000, but we had to get an offer in immediately or lose it.

Amazingly, we didn't even blink. We went to the bank, mortgaged our house for a quarter of a million dollars, and locked up the sale. A moment of panic – "Wait a minute, we don't have any income." Somehow they approved it. We're going to pass the land through to the new housing trust, but this time charging interest on our loan. Turns out we could probably make a half-million dollars if we split it into view home sites. But homes for thirty or forty hard-working families in our community being pushed out of their homes feels incomparably better. And we can even do sustainable forestry on half the site, to repay the trees used in construction. Who was it that said qualitative differences are the ones so big that they can't even be compared, while quantitative ones are differences so little that they're almost alike?

We're learning what it truly means to invest in community. To invest in a future, with homes that don't use energy, to minimize global warming, to provide livelihood and homes, to take action based on caring and sharing and taking profiteering out of how our needs are met. Getting things down to the scale where we know personally what works and what needs to be done. For our communities to be alive, we need to invest in generating life, not draining it from the community. And, yes, we can change corporate charters to require that they give, not just take.

Dear friends, I can't tell you how great the rewards of this kind of investment are in our hearts, in the love within our community, and in the true well-being we feel. It's living in a totally different world!


© Tom Bender. Tom Bender is an architect (among other things) and one of the founders of the "green architecture" and “sustainability" movements. His "Factor 10" economic principles have been endorsed by the European Union, the World Business Council for Sustainable Development, and the United Nations Environmental Program. He is the author of Environmental design primer, Building with the Breath of Life, and Learning to Count What Really Counts: The Economics of Wholeness. www.tombender.org

 

 
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Gathering Together: Communities That Serve People and Planet

Eco-friendly communities across the U.S. are bringing green-minded people together to help them share and maintain a sutainable lifestyle

by: Vicky Uhland courtesy Natural Home Magazine

Alternative housing communities have existed for years, but as interest in healthy, green living grows, community living is being transformed from a fringe notion to a practical way of living together and reducing environmental impact. Here are three common types of communities popping up in North America .

1. New Urbanism

Reminiscent of compact, walkable European towns, New Urbanist developments typically have central business and shopping areas surrounded by housing––from apartments to single-family homes. Devoted to sustainability through reduced auto traffic, these communities have access to public transportation, and ideally everyone lives within a 10-minute walk from the town center. Neighborhood open spaces are designed to encourage community and discourage car culture. In the United States, 648 New Urbanist projects exist, are under construction or in the planning stages, according to New Urban News

New Urbanism Spotlight: Village Homes, Davis, California

More than 30 years ago when architect Mike Corbett and his wife, Judy, bought 60 acres in Davis, they envisioned Village Homes as a sustainable, green community before most people even knew what that meant.

The Corbetts designed all Village Homes streets to run east/west, which allows all the houses to face south, facilitating the use of solar energy for space and water heating. Most of the 220 homes and 40 apartment units are clustered in groups of eight along narrow, winding streets. The clusters are surrounded by open space—40 percent of the total acreage—and most homes face common areas, which are linked by a network of paths. Homeowners decide how their common areas are landscaped, creating a tapestry of gardens, playgrounds, barbecue pits and outdoor art galleries. The open spaces also contain a natural irrigation system made from a network of creeks, swales and ponds that allow rainwater to soak into the ground rather than collect in storm drains. Of the commonly owned lands, 12 acres are dedicated to fruit and nut trees and row crops.

To minimize reliance on cars, the Corbetts devoted 4,000 square feet of their development to office and retail space. Now there are 17 small businesses in the village, including attorneys, accountants, a massage therapist, a dance studio and a restaurant. A grocery store and one of the area’s major employers, the University of California at Davis, are within walking distance. “It’s perfect for kids,” Judy says. “There are lots of safe places to play outside and plenty of nutritious fruit they can pick right off our trees.”
Contact: www.VillageHomesDavis.org

2. Ecovillages

These communities integrate a low-impact lifestyle with a supportive social environment. There are 323 ecovillages around the world, 73 of which are in the United States, according to the Global Ecovillage Network (GEN.ecovillage.org). These housing developments can be urban or rural, small or large, but they have one thing in common: They emphasize ecological design and building, permaculture, alternative energy, and other practices that help reduce negative impact on the planet.


The "Round-Top" 824-square-foot, three-story homes at Tryon Farm
Ecovillage Spotlight: Tryon Farm, Michigan City, Indiana

Located an hour’s drive or train ride east of Chicago, Tryon Farm encompasses a prairie, farmland, ponds, dunes and woods within its 170 acres. The first houses were completed in 2001; when it’s finished, the ecovillage will contain 150 homes in seven settlements, with 120 acres of open space. While a traditional homebuilder might have bulldozed the dunes, filled in the wetlands and covered the prairie with tract homes, developer and architect Ed Noonan and his wife, Eve, had a different vision. They created homes that nestle into the landscape, disturbing it as little as possible.

In The Pond settlement, Ed created grass-rooted houses, built of concrete with earth piled on two sides, that blend seamlessly into the surrounding dunes. In The Woods, Ed designed tall, narrow “treehouses” covered with Cor-Ten steel which, as it rusts, forms a protective coating that “makes it blend in with the tree trunks,” he says. The Village features “courthouses”— squares of homes facing a central courtyard.

Residents don’t buy the ground beneath their houses; instead, they get a 150th interest in the entire settlement. The Tryon Farm Institute, a nonprofit land conservancy, owns all the open space, so homeowners pay taxes only on their houses.

Eco-friendly features include septic tanks that flow into gravel beds covered in tuberous plants. The oxygen from the plant roots cleans the water, and the waste feeds the plants. “After seven days, the water is state certified to be clean enough to swim in,” Ed says. The purified water is pumped into the fields of hay and alfalfa used to feed the livestock.

Many of the houses, which average about 1,000 square feet, have bamboo floors and recycled-denim insulation. The old brick farmhouse was turned into the community’s bed and breakfast. “The idea is that guests stay in the farmhouse so individual houses don’t need extra bedrooms and can be built smaller,” Ed says.
Contact: www.TryonFarm.com

3. Cohousing

In these housing developments, which are often ecologically friendly, homeowners design, manage and maintain their community cooperatively, holding community meetings to determine everything from new memberships to garbage collection. Cohousing communities frequently center around a common house, where residents may gather to eat, socialize, do laundry or participate in playgroups, classes and crafts. Houses generally are clustered around a large open space and the common house, with parking on the periphery. According to the Cohousing Association of the United States, 194 of these communities exist nationwide ( www.Cohousing.org).

Cohousing Spotlight: Cobb Hill, Hartland, Vermont

Although Cobb Hill is less than five years old, there’s already a waiting list to buy one of the 22 houses, duplexes and studio apartments on the 260-acre homestead in eastern Vermont . Potential residents visit and meet extensively with community members to discuss shared interests and community needs before mutually deciding to move ahead.

“It’s a big decision to move to a place like this,” says Judith Bush, co-chair of the membership committee, who estimates residents devote as much as 10 hours a week to sustaining the community. “You have to make a pretty extensive commitment to this community’s work, but you gain so much in return,” Bush says.

Residents volunteer to make group meals at the common house, and they work one day a month maintaining community land and buildings. Each household also is responsible for stoking a wood-burning furnace that delivers heat and hot water to all the houses via an underground duct system.

The homes have composting toilets; water comes from a community well. All the houses, which range from 1,100 to 1,600 square feet, are clustered on a 4-acre hillside plot, leaving the lush meadow below for a dairy farm, a community-supported agriculture enterprise and family gardens. The remaining 200-plus acres are community owned and will be conserved through a local land trust.

Contact: SustainabilityInstitute.org/cobbhill

Other Resources:  

Elder Cohousing at Prospect
Longmont, Colorado
(303) 684-9999
www.ProspectElders.com
25 to 30 households currently forming

Elder Family in the Smoky Mountains
Whittier , North Carolina
(828) 497-7102
annariel@dnet.net
 







   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 


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