Saturday, August 11, 2012
They Huffed and They Puffed
We finished stacking the straw bales for the exterior walls of our house today. The straw bales raising was one of the easiest parts of the house - we finished in just two Saturdays, with help from 3 friends at a time. The roofers also finished installing the roof last week, a standing seam metal roof.
Saturday, August 4, 2012
DIY Rabbit Butchering Station
We started our own rabbitry this year, trying to find a more sustainable way of providing meat for our family and keep it legal, since we live in the city and by law aren't allowed to have livestock or poultry.
There are some really cool tools out there for butchering rabbits. I was on the lookout for some because the first two rabbits that I dressed took over an hour each, and I was hoping it would take far less time. The tools that I've found are:
I used scrap 2x4 that was too warped to use on my house, some scrap cut-offs of 1x6 that I ripped down the center for the wringer, and some parachute cord. This project took me about an hour to build, including the design time. In case you aren't the design-type, here are the parts I used:
To replace the "Never Without 1" knife, I just used a curved hook blade in my utility knife. These blades cost me $0.50 each at Harbor Freight.
In addition to all of these tools, I also splurged and bought a nice bypass pruner for $25 to cut off the head, feet, and tail.
I used it the first day, and it worked great. Slaughtering and dressing took me around 30 minutes this time, but much of that increased speed is probably due to having more experience.
There are some really cool tools out there for butchering rabbits. I was on the lookout for some because the first two rabbits that I dressed took over an hour each, and I was hoping it would take far less time. The tools that I've found are:
- The Rabbit Wringer (http://www.therabbitwringer.com/)
- The Rabbit Wringer Butchering/Processing Station (http://www.therabbitwringer.com/)
- Never Without 1 dressing knife (http://www.neverwithout1.com/home/knife_msrp)
I used scrap 2x4 that was too warped to use on my house, some scrap cut-offs of 1x6 that I ripped down the center for the wringer, and some parachute cord. This project took me about an hour to build, including the design time. In case you aren't the design-type, here are the parts I used:
- (2) 2x4s cut at 62" for uprights
- (1) 2x4 cut at 26" for the vertical piece at the top
- (2) 2x4s cut at 11" to hold the 1x3s
- (2) 1x3s (or a 1x6 ripped through the center) 22.5" long
- (1) 55 gallon plastic barrel, cut half way through at 12" from the bottom, then cut vertically on both sides, then cut the rest of the way through horizontally at 12" down from the top (this will make two butchering stations if you want them, as long as you have the bungs for the top). I found mine used on craigslist for $7.
- (4) bolts with nuts, 3" long to bolt the uprights to the barrel.
- (4) wood screws, 3" long to fasten the top 2x4 to the uprights
- (2) wood screws, 1.5" long to hang the parachute cord from
- (2) pieces parachute cord 16" long (I found mine for $2.99 at a local camping store)
To replace the "Never Without 1" knife, I just used a curved hook blade in my utility knife. These blades cost me $0.50 each at Harbor Freight.
In addition to all of these tools, I also splurged and bought a nice bypass pruner for $25 to cut off the head, feet, and tail.
I used it the first day, and it worked great. Slaughtering and dressing took me around 30 minutes this time, but much of that increased speed is probably due to having more experience.
Saturday, July 28, 2012
Heaven on Earth
Take a minute and think about what heaven on earth would be like. Consider what Eden might have been like before the fall of humanity. Can you imagine litter or pollution there? Can you imagine using chemicals to kill bugs and weeds? Can you imagine someone losing their temper and yelling at someone else? Can you imagine low quality, disposable products? Can you imagine landfills? Can you imagine democracies? War? Denominations? Cancer? Genetic modification? I cannot imagine these things existing or occurring in heaven on earth. Instead, the first image that comes to mind is a quiet, gentle approach to living, to humanity, and to all of creation. This posture of heart and mind is exemplified for me in the characters of a few movies and television programs: Crouching Tiger Hidden Dragon, Into Great Silence, Star Trek Insurrection, Star Trek The Inner Light, The Mission, and A River Runs Through It. It is this posture of heart and mind that caused St. Francis to gently move the earthworm off the walking path so as to not be crushed, to preach the gospel to the birds, and to tame the wolf of Gubio.
Are you even trying to live in heaven on earth? How difficult it can be to foster or maintain this posture of heart and mind in such a hectic, fast-paced, demanding, hostile, western world! How especially difficult when we don't make the effort to quiet ourselves daily!
Are you even trying to live in heaven on earth? How difficult it can be to foster or maintain this posture of heart and mind in such a hectic, fast-paced, demanding, hostile, western world! How especially difficult when we don't make the effort to quiet ourselves daily!
Saturday, July 21, 2012
Sustainability and Charitable Donations
Is was re-reading some of my journals from 10 years ago when I visited some refugee centers in Johannesburg, and they reminded me of some thoughts that I've had recently about some charitable donations, as well. We are often given a barrage of pleas for financial help for the poor, whether it is local or in another country, financial help that will be spent on food, clothing, medical supplies, and schooling. Often times, over 95% of the donations actually make it to the recipients. What has happened, through, in many cases is that the recipients have come to think of themselves as poor and perpetually in need of donations in order to survive. The problem with this is that it is not a sustainable plan. With some creativity, leadership, and education, I believe that most if not all of these situations can be turned around into short term projects that kick start systems and programs that enable the recipients to provide for themselves. Many of these kick starter projects can be completed in less than 1 year, some might take as long as 5 years. Once these kick starter projects are completed, the recipients have the potential to contribute significantly to the the world and to the kingdom of heaven on earth.
The alternative to this that I propose is to have a set of criteria for these programs and have them audited for following the criteria. The criteria could be something like this:
Using the alternative methodology proposed above, an NGO could draft plans for new villages of refugees in South Africa, built by the refugees who are fed for the first year with moneys from donations, and who in turn create an extensive organic farm that provides all of the food that the community needs. Each village would take care of its own recycling and composting, creating no landfills. Each village could focus on a particular craft, such as leather work, wood carving, hand-made clothing, or the like, and setup the [low tech] equipment for producing these crafts. The NGO could setup the initial agreements for foreign trade of these crafts to be sold in the host country and in other countries. The NGO could then pull out of the villages within 2 years, after ensuring that leadership is developed from among the refugees and that everything is working well.
The alternative to this that I propose is to have a set of criteria for these programs and have them audited for following the criteria. The criteria could be something like this:
- limited time (max 5 years) and a dollar cap on donations and NGO presence in the program
- approved plan for how the program will build to self-sufficiency after the donations stop
- production of goods as a community
- education of recipients
- production of communities own food and water filtration strongly encouraged
- environmental friendliness encouraged
- sanitation and housing can expand and be provided by recipients
- follow appropriate technology guidelines, e.g. E.F. Schumacher
- feedback mechanism in place for soliciting and implementing improvements
Using the alternative methodology proposed above, an NGO could draft plans for new villages of refugees in South Africa, built by the refugees who are fed for the first year with moneys from donations, and who in turn create an extensive organic farm that provides all of the food that the community needs. Each village would take care of its own recycling and composting, creating no landfills. Each village could focus on a particular craft, such as leather work, wood carving, hand-made clothing, or the like, and setup the [low tech] equipment for producing these crafts. The NGO could setup the initial agreements for foreign trade of these crafts to be sold in the host country and in other countries. The NGO could then pull out of the villages within 2 years, after ensuring that leadership is developed from among the refugees and that everything is working well.
Thursday, July 12, 2012
Pay It Forward, Part 3
The non-profit company mentioned in the previous post, Pay It Forward Part 2, could focus on sustainable low-cost housing. The houses could be improved houses that are pre-existing, or they could be new houses built with sustainable materials and processes. A good goal to strive for would be a sustainable home for under $40,000. They would be sold on a rent-to-buy basis, with no interest and no profit.
Some of the improvements that could be targeted:
Some of the improvements that could be targeted:
- Remove metal plumbing, recycle it, replace with PEX for supply lines and PVC for drains
- Replace old wiring with new
- Low-E windows
- Radiant floor heat
- Additional thermal capacity in increase passive solar gain in winter
- Southern glazing for additional solar gain in winter
- Tankless water heater
- Energy star appliances
- Zero VOC pain
- Organic vegetable gardens and orchard
- Chicken coop
- Rabbit run
- Non-asphault roof
- Rain water catchment system
- Gray water system
- Compost bins, vermiculture bins
- Masonry Heaters / Rocket Stoves
- Set of books and videos on how to manage it all
- Cob
- Timber Frame
- Straw Bale
- Geodesic Dome
- Earthship
- Bermed or Underground
- Slipform Masonry
- Rubble Trench Foundation
- Earthen Floors
Monday, July 2, 2012
Pay It Forward, Part 2
Take the concept in the previous post, Pay It Forward Part 1, and manage it with a non-profit company. The company could be formed with volunteer-only staff, with no brick-and-mortar offices to minimize expenses. The non-profit could act as the property holder and organizer for the 0% interest rent-to-buy arrangements described in the previous post. A small extra fee or a deposit could be kept for emergency repairs (e.g. after eviction), a legal defense fund, and insurance. Agreements with buyers would need to be airtight and the buyers would need to have 100% responsibility for repairs and maintenance. Standards would need to be developed for the houses purchased, similar to HUD and FHA.
Thursday, June 28, 2012
Pay It Forward, Part 1
It is said that one of the biggest investments that most people have at retirement age is their house. It usually takes families 30-40 years to pay off their mortgage so they own the house free and clear. This debt often causes families to work at jobs that they don't like, it causes stress, and causes them to feel tied down.
An alternative to this is for the family to live in a less expensive house and pay it off earlier (with the same monthly payment amount). After it is paid off, they would continue to make the same payments, but into a savings vehicle. This savings would build up much faster since the interest is working for them, instead of against them. When the savings builds up to the value of a house, they would buy a second house, paying cash for it, and "rent to buy" it to one of their kids or to someone else who needs a break. The rent would go 100% to principle and taxes, no interest or PMI. They can pay it off early without penalty, or pay for it with the minimum monthly payments, and own it free and clear much earlier than with a conventional mortgage. The buyers would agree to participating in the same program, where they would save the same payment amount until they can buy a second house and spread the love. Meanwhile, the first family would be getting payments back for the second house and continuing to put payments into savings, so they could buy their third house before the second house is paid for by the renters. Because of the margin created by living in a less expensive house and not paying interest, this program has the potential to increase in velocity and spread far and wide. The risk is fairly low since all houses are owned outright as soon as the first house is paid for.
As an example, we could look at a house purchased for $200,000 paid for with a $6,000 down payment and a fixed rate of interest at 5%, with monthly payments of $1,041 plus PMI and taxes (total monthly payment of ~$1,260 for the first 10 years, when it will drop to ~$1,208). Over the course of 30 years, the family will actually spend $391,757 on the house, and by that time it will be worth $485,452 if inflation stays steady at 3%. The alternative example for this family would be to buy a house for $150,000 with the same $6,000 down and a fixed rate of interest of 5% on a 30 year mortgage. The minimum payment would be $729.63, with an estimated PMI and taxes of $161 per month. This family would pay the same they would have paid on the $200,000 house ($1,260/month). PMI would go away in less than 4 years, and the house would actually be paid for in less than 15 years (with the same down payment and monthly payments!). For the next 15 years, they continue to pay property taxes (which also increase with inflation) but would save the amount that they had been paying towards principle, interest and insurance ($1,093) into a savings vehicle with 6% interest. At this point (at year 30), they have $341,000 in savings, and can buy a second house of the same value (their current house is worth $367,000 at this point) and "rent-to-buy" that second house out for $2,200/month ($300 for taxes, $1,900 towards the principle). Now their savings is increasing by an additional $1,900 per month from the payments coming in for the second house. From a net worth perspective, the family has greater net worth in the alternative scenario starting at month 2 due to the amount of money they lose in interest and PMI in the first scenario.
An alternative to this is for the family to live in a less expensive house and pay it off earlier (with the same monthly payment amount). After it is paid off, they would continue to make the same payments, but into a savings vehicle. This savings would build up much faster since the interest is working for them, instead of against them. When the savings builds up to the value of a house, they would buy a second house, paying cash for it, and "rent to buy" it to one of their kids or to someone else who needs a break. The rent would go 100% to principle and taxes, no interest or PMI. They can pay it off early without penalty, or pay for it with the minimum monthly payments, and own it free and clear much earlier than with a conventional mortgage. The buyers would agree to participating in the same program, where they would save the same payment amount until they can buy a second house and spread the love. Meanwhile, the first family would be getting payments back for the second house and continuing to put payments into savings, so they could buy their third house before the second house is paid for by the renters. Because of the margin created by living in a less expensive house and not paying interest, this program has the potential to increase in velocity and spread far and wide. The risk is fairly low since all houses are owned outright as soon as the first house is paid for.
As an example, we could look at a house purchased for $200,000 paid for with a $6,000 down payment and a fixed rate of interest at 5%, with monthly payments of $1,041 plus PMI and taxes (total monthly payment of ~$1,260 for the first 10 years, when it will drop to ~$1,208). Over the course of 30 years, the family will actually spend $391,757 on the house, and by that time it will be worth $485,452 if inflation stays steady at 3%. The alternative example for this family would be to buy a house for $150,000 with the same $6,000 down and a fixed rate of interest of 5% on a 30 year mortgage. The minimum payment would be $729.63, with an estimated PMI and taxes of $161 per month. This family would pay the same they would have paid on the $200,000 house ($1,260/month). PMI would go away in less than 4 years, and the house would actually be paid for in less than 15 years (with the same down payment and monthly payments!). For the next 15 years, they continue to pay property taxes (which also increase with inflation) but would save the amount that they had been paying towards principle, interest and insurance ($1,093) into a savings vehicle with 6% interest. At this point (at year 30), they have $341,000 in savings, and can buy a second house of the same value (their current house is worth $367,000 at this point) and "rent-to-buy" that second house out for $2,200/month ($300 for taxes, $1,900 towards the principle). Now their savings is increasing by an additional $1,900 per month from the payments coming in for the second house. From a net worth perspective, the family has greater net worth in the alternative scenario starting at month 2 due to the amount of money they lose in interest and PMI in the first scenario.
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