Archive for the 'home' Category

Some Place Where I Can Lay My Head: Seeking Farmmate(s)

Sharon June 23rd, 2009

For the last year or so, I’ve made a couple of mild stabs at finding someone to share our property with.  We’ve had inquiries, even taken some basic steps, but I’ve not pushed the situation hard, on the assumption that sooner or later the right arrangement might fall into my lap like a ripe fruit.  No such thing has happened, to it is time to get out the apple picker and try harder ;-) .

My family is seeking other people to share our home and land with.  We always have potential takers “if things get terrible” – but that’s not really what we’re looking for – we’re looking live with people who simply want community, family, friendship, company, shared work, and who want it whether the zombies come or not.  For us, this place has always been about community – from the first it was to be shared with Eric’s grandparents, and we feel their loss more acutely, not less, as time passes on – both the loss of them as beloved family members, but also the loss of companionship and the sense that our home was richer with more people in it. 

Our very large house has plenty of room for more people. Eric’s grandparents built a 1000 square foot, well insulated apartment that consists of one large bedroom, a bizarrely enormous bathroom, a large open living room/dining room and a small galley kitchen.  There are several very large closets and a porch, as well as shared laundry facilities.  The area has radiant floor heating, and is completely separate from the rest of the house, for privacy.

Down the hall, there are two medium-sized bedrooms, with a full bath in between them that could go along with the arrangement, or not.  We can comfortably move entirely upstairs for sleeping quarters, since there are three bedrooms there at present.  This part of the house is technically in what would be “our” section, so there would be less personal privacy, but the rooms can be shut off, and you don’t have to come out to pee ;-) .

Besides the in-house space, the property includes a fenced front yard (8 foot board fencing) with an enormous playset, plenty of garden space, a woodlot to cut heating wood from (and I have an older Baker’s choice wood cookstove that could be installed in the apartment), and about 6 acres of pasture and hayfield for livestock.  We are most interested in people interested in sharing the farm and making it more productive and sustainable, and are happy to enable your projects.

The housemates include me (I’m 36, mouthy and occasionally short tempered, but mostly good natured), Eric (39, incredibly easy to get along with and very funny), and four boys Eli, 9, Simon 7, Isaiah, 5 and Asher 3.  Eli is autistic, and all the kids are loud, so any serious candidates should be tolerant of young kids and noise, and also some tolerance for kids who aren’t developmentally typical (we have those things, if you have loudness, kids or special needs issues ;-) ).  We are early risers, just fyi, so expect the noise to begin early ;-) .  We are homeschoolers, so the younger three kids (Eli goes to school) are around most of the time, and we’re Jewish, so any shared meals must be kosher or vegetarian. 

We are slobs, so don’t expect a super-tidy house, although we try to keep it minimally under control.  If we add more people to the house, the chaos level will probably rise, so we’d probably try harder on that front, and it wouldn’t hurt for you to be tidier than me (which isn’t that hard ;-) ).

We live in the town of Knox, NY, on a rural street with 8 houses.  The local school district is pretty good, the culture is rural/exurban, with lots of small farms and lots of people who commute to Albany or Schenectady for employment. Both towns are between 1/2 hour and 45 minutes drive away, depending on which end of them you need to go to.  The economy here is better than many places, but still not perfect.  You do need a car to get most places, there is very minimal public transportation, although some carpooling and ride sharing. My husband commutes 3 days a week  There are lots of great local food options around here, but nothing walkable.  However, if you were somewhat flexible on diet, you could definitely eat really well entirely locally here – it is a great area, IMHO.  Winters, btw, just in case the words “upstate NY” don’t mean anything to you, are cold and snowy, and wintery ;-) .

We are seeking housemates who are truly interested in community – we don’t demand that you swear to move in forever, but we’re not really interested in people just passing through.  We would welcome people with kids – the place is pretty much a child’s paradise, with lots of animals, a creek, woods to roam in and the aforementioned giant playset.  We also welcome people without kids, but be sure you are accustomed to the sound of childish voices – and the pitter-patter (er…thunderous boom) of little feet. 

Pluses include people who are handy (we’re not, especially), friendly, easy going, Jewish (this is absolutely not at all necessary – and just fyi, you cannot walk to any shul from here, unfortunately- just pleasant, who play mah-jongg or scrabble, talk politics or like to make music, like dirt and like to share meals, gossip and time in the garden.  Must have some measure of commitment to keeping your ecological footprint low and to preparing for tougher times – you don’t have to share all our priorities, but some would be nice.  We are NOT interested in freeloaders – you know what I mean, the kind of people who don’t participate and are just looking for cheap accomodations or someone to do the preparing for them.  That does not mean that you have to be young, strong and able to pull the plow when the mule falls down – remember, our last housemates were 80 and 94, and we felt they were excellent contributors.  Sure, strong young farmers are great, but so are other folks – it is the compatibility and friendship that matters most.

Eric and I both have experience living in housemate situations and enjoy it – we would love people interested in sharing the work and pleasures of this piece of land and this place.  In the longer term, it may be possible to either renovate the house to create more privacy or to optimize space, or even to have some kind of shared ownership, but that would be after considerable time together.  Ideally, we’d have some communal meals and some private time for each family, as well as share some responsibilities, to be negotiated individually.

Rental cost – for the apartment alone $400 monthly, plus a share of the utilities and any shared food.  For the apartment plus two extra bedrooms and extra bath – $650 plus a fair share of utilities.  We could also negotiate for one bedroom.  We would be open to barter for some percentage (or possibly all, depending on what was offered and the quality of the match) of the rent in labor doing childcare, farmwork, home repairs or building or whatever else needs doing.  If we hit TEOTWAWKI, all bets are off, and we’ll probably happily take the rent in barter ;-) .

If you are interested, please send an inquiry, with details about yourself and your family (if any) to jewishfarmer@gmail.com.  All inquiries will be answered, although bear with me.  If they are successful, a period of “dating” involving correspondence and phone discussions with all involved parties and at least one visit will be required.   Rather like dating, if it doesn’t work out, it probably isn’t you, so please don’t be offended ;-) .

 Cheers,

 Sharon

My Home, My Shadow Home: Where We Really Live

Sharon June 22nd, 2009

My friend, Permaculturist Keith Johnson’s site pointed me to this excellent article
(there’s a direct link to the whole original there), in which ecologist and ecological footprint inventor William Rees makes the case that cities (and really, not just cities, all people in the developed world) are rather like human feedlots, disconnected from the acreage on which they really “live” – ie, the acreage that supplies their food, energy and other needs.

Rees writes,

 “What eco-footprinting shows is that, in ecological terms, the Dutch don’t live in
Holland. Similarly, urban dwellers don’t “live” in their cities; urbanization simply
separates us from the productive ecosystems that sustain us but lie far beyond
the urban boundary. An apt analogy is “the city as human feedlot.” Like the city,
a livestock feedlot is an area with an extraordinarily high density of consumer
animals and a corresponding major waste management problem. Cities and
feedlots are incomplete ecosystems – the productive land component is some
distance away.”

Now I think this is an acute assessment – but I hope it will not be taken simply as the sort of indictment of city life that many rural dwellers, who do not like city life, are inclined to make.  Before I was a rural dweller, I lived in a number of cities, and I do like them.  I do not think that cities will disappear, or that living in one is inevitably disastrous.  Nor do I think that the above statement is inaccurate if you substitute the terms “suburban” or “rural” in most of the developed world – even in places where one potentially can meet most of one’s needs from the agricultural and natural resources readily available, few people do.  But I think this is a tremendously useful way of thinking about this issue – to say that we truly live where our needs are met forces us to ask the question – if our lives are not in the places we reside, where are they?  Where should they be?

Now to some degree, as long as there has been human trade, there have been “shadow acres” – that land that supplied needs that could not be locally met.  It is a very ancient reality – there has been trade almost as long as there have been humans.   And yet, there is a real and qualitative difference between societies that provide much of their own needs, and those that do not.  Among other things, distance makes us willing to be exploitative – that is, we do not feel we have an incentive to preserve the acres of other people, far away, even if that land feeds or clothes us. 

For cities, historically the surrounding outlands provided their food – often in literally reciprocal relationship.  Rees mentions the enormous waste-management problem caused by urban population density – in much of the world, the reciprocity of that relationship was direct, food was brought in to the cities from the outlying countryside, while human wastes were brought out, to be applied back to the fields.  While the direct application of human manures to the fields is not desirable, this relationship is almost certainly one that will have to be re-established – but one made difficult by the fact that our growing land is quite distant from most of our largest cities – the transmission of municipal manures would be enormously energy intensive, and the surrounding suburbs, densely populated themselves, cannot absorb them.  That is, without large quantities of fossil fuels, there’s really no way to set up a truly sustainable system, in which waste becomes not a problem, but a benefit.

All cities, indeed, all non-indigenous societies involve some deferral in where we live, with some resources coming from elsewhere, but we have taken this to new and problematic heights.  For example, the Indian historian Dharampal has demonstrated that before British colonialism, 80-90 percent of India’s resources were utilized at the local level for the local economy, resources and well being.  Less than 20% – often much less, depending on the region, went to serve leaders or central authority.  Colonialism completely reversed this economy - taking 90% of produced resources for export or to serve the empire and its landlords and central authorities, leaving only 10% for general populace – with a corresponding destruction in wellbeing and personal economies. 

Ecological footprinting shows that the results of globalization, which is colonialism’s ugly step-sister, are similar – where local resources once were “wasted” on the populace, now they concentrate wealth and serve mostly people who are already affluent.  For example, research demonstrates that the vast majority of green revolution grain increases went not into the mouths of the poor and hungry who they supposedly were meant to serve, but into livestock and processed foods that fed people who were never hungry and were already affluent.  At the same time, places that once fed themselves shifted to export crops, and were made vulnerable to fluctuating markets, dumping and ecological destruction. 

Do we live where our food is grown?  After all, most of us eat 3 times a day.  So look around you and ask this question – where does our food come from?  If our relationship with that place means that part of us “lives” there, how is our citizenship within that place?  That is, do we treat it as a place to extract resources from, at minimal return, as a colony to provide for our needs, or as a place we are citizens of, with an investment in its well-being and future?  For most of us, it is the former – and from this, I would argue, stems much of the deep hostility of rural places to those who consume their food, and much of the deep political divide in this country.

Do we live where our water comes from?  We know that similar hostilities exist in places where the water comes from far away – my own region supplies part of the watershed for New York City, and at times, conflicts.  But this is nothing compared to water-poor areas of the country – the conflicts between Northern and Southern California, say or Georgia and northern Florida, much less across the US/Mexican border.  If we cannot grow food, or even live without water from somewhere else, what is our relationship to that place?  What happens when both parties need the water?

Do we live where our goods come from?  We are finally beginning to ask this question – Sir Nicholas Stern has opened the door to considering whether China’s emissions, for example, belong only to it, if it provides goods that are mostly used in the rich world?  Can we blame China for its coal use entirely if we absorb the products of that use, if Chinese factories replace our own, and allow us to claim a reduction in emissions? 

Do we live where our energy comes from?  To this question, we might answer a resounding yes – we know for a fact that the Iraq war was about oil, that it followed in the footsteps of the Carter doctrine, which observes that since inconveniently, “our” oil is under their sand, our military and political agendas must always center on the Middle East.  But we live their not as citizens, but as a military presence, building more and more resentment and anger.

Do we live where our waste goes?  Do we float in the Dead Zone off the gulf of Mexico?  Do we live where our old computers contaminate the soil and poison children in Africa? Most of us do live where our own feces contaminates our water, those things we imagine being whisked magically “away” that inevitably, somehow, come back, floating on the water at the beach, until we pour chlorine in and try hard to pretend it never happened.

Do we live where the primary work, once done mostly by us, is now done by others?  If we eat meat, do we live where the great slaughterhouses are, where migrant laborers are hurt and killed to provide us with our clean, packaged foods?  If we wear t-shirts with clever sayings on them, do we live where Vietnamese teenagers sew 12 hours a day in unventilated rooms?  If we use toilets, do we live where they are cleaned by poorer people than we?

We are not good global citizens – we know that.  We are devourers of the world.  But is it even possible to be a decent and honorable global citizen?  Certainly, in some measure.  Certainly, it is possible to be better global citizens of the places that we live than we are now, and if we are to draw resources from somewhere, we are going to have to work on this.   We will need to work on building those connections, on finding those means of honest internationalism.   The world is not going to go away, we will not be instantly reduced to a kind of isolated localism that needs have no truck with other nations – truck with other nations long preceeded fossil fuels and modernity, and will be even more essential in warming world, full of migrants and refugees escaping rapidly changing economies, ecologies and war.

But there’s a measure in which being a true citizen of a far distant place is not fully feasible.  I cannot honestly know whether my rice, grown on the Indian coast, was grown by someone who loves to grow rice, who does it well, or who is coerced by the large corporation that uses them as slave labor.  I cannot know how they use their land.  I can learn a little about their place and time, their needs and wants and hopes for the future, particularly if their rice is my primary indulgence.  But I cannot be a part-time citizen of India for rice, Bolivia for flowers, China for electronics, Venezuela and Saudi Arabia for oil, etc….ad infinitum.  I cannot.  All I can be in that case is a consumer.

And not only is a consumer an ugly, faint thing to be, a pale imitation of an engaged and fully human citizen-participant, but because a consumer only eats and by necessity, excretes their waste where they are, the relationship is destructive in two ways – not only do I take away soil nutrients or oil or wood or water and participate in the exploitation of distant places in my country and others when I consume their resources, but because all of us make our waste where we live, I then foul my own nest.

I do this because it is not possible, in such an expansive world, to transform the outputs of our consumption into anything but waste.  Consider the difficulty of human excrement now – even sterilized and dehydrated, it is tremendously energy intensive to even consider returning human manures from, say, Boston to the places where most of its food comes from in Iowa or Nebraska.  And human outputs are not the only kind of waste that could managed on a smaller scale – historically the end points of human cloth making became paper, animals were fed on scraps and bones that are now transported into landfills.  The problem of scale, the problem of taking and excreting always seem to defeat us.  We can do much to ameliorate them, but the first and most important amelioration would be to live where we live.

Of course, that’s a difficult proposition.  The suburbs of even midwestern cities like Chicago are often filled, not with farmland, but with suburban landscapes of the densities of small cities of the past.  Even if they can harness their land base to grow food, they are unlikely to have much to export, and they have plenty of their own manures and wastes.   One must go much further afield, and expend more energy to get food, and to find a sustainable way of turning wastes into valuable inputs.  To some degree, dependence for water, goods and food is written into every large city – and indeed, has been overinscribed by our investment in fossil fueled agriculture into the developed world as a whole.  Our project now is to uninscribe it as best we can.

Obviously, the proportion to which we are able to actually live where we live is going to vary by where we are.  For urban dwellers, there is absolutely no doubt that the proportion is vastly higher than is conventional in developed world cities, and a small number of urban community gardens is merely scratching the surface.  We know that this is true – we know from the examples of Havana, the Jewish ghetto gardens during WWII, from Harare and Kampala how urgently necessary urban food production is – that it can sustain far larger populations than anyone would expect in a crisis, whether a war or simply poverty.

But cities are not going to feed themselves, and they are not going to provide their own water in the whole – many cities could probably produce 25-50% of their meat and produce, but they will never provide most of their own staple crops.  Which means that urban-rural ties must be strengthened – that those who are citizens of a city must also be partly citizens of the rural towns that supply their dinners, the rural areas that collect their water.  But this is not a one way transaction – cities as centers of trade, and renewed (we hope) centers of manufacture will have their own rural and suburban citizens – the customers who rely on urban areas to meet their need for goods will have to end their contempt for city life and city dwellers, since their hammers and clothing come from those cities.

If we cannot eliminate shadow acres, we must find ways to narrow them, to mostly get our goods and services from our bioregion, or as near to it as we possibly can.  Aaron and I have called this “the bullseye diet” – but it doesn’t apply just to food.  And in order to do this, we are going to have to build reciprocal economies, and reciprocal senses of citizenship.  Some of this is in its nascent stages, as city dwellers come out to “their” farm to pick up their CSA share, or to pick the cherry tomatoes or strawberries, or volunteer, or as rural and suburban dwellers come into “their” cities, to enjoy art and music, culture and diversity not available to them, and then bring those things in small measure back to their own places.  But we are still at a beginning point.

I often speak of these issues in terms of the practical imperatives for doing so – we must, for example, reduce fossil fuel usage because of climate change and peak energy, or we must build local food systems because we may not fully be able to access distant ones.  But I like very much the idea of asking ourselves the moral and aesthetic question “where do I want to live?”  I think for most of us, this is not a complex question.  If we have a choice, most of us want to live where we chose to live – we would like, in the abstract, to live there as fully and wholly, as well and honestly as we can.  We would like to be good citizens, in a place with a lively and vital civic life.  If we live in other places, we would like to live there kindly and lightly, as participants and welcome members, even part-time, rather than hated colonizers or bad neighbors.  We would like, in short, to love our neighbors as ourselves.  We simply do not know how.

Viewed through this question of how and where we wish to live, the choices we make in localization, conservation and consumption, in our acts of citizenship and participation take on a new weight.  We are not merely eating, we are travelling to a distant land, or a neighboring state, taking part in their bounty, and incurring some obligation to reciprocation.  How shall we reciprocate?  What can we offer them in return?  We are not merely excreting, and flushing our wastes away – there is no place called “away.”  Instead, we are contaminating those downstream – or we are returning our outputs to the place that fed us, or to some neighboring place that can be enriched.

Most of us give considerable thought to this question of where to reside – we consider schools and neighborhoods, climates and soils, family and friends. Our new project is to give as much attention to the question of where we live – where our needs are met.  None of us will ever live without some shadow acreage, without some resources from far away, but the quantities can be great or small, the relationship civic and civic or colonial and hostile, the result contamination and waste or reciprocity and fertility.  It all depends on where we choose to live.

Sharon

Stillness

Sharon June 10th, 2009

During the winter, I managed the not-very impressive feat of hand-taming some of the birds that come to our feeders.  The chickadees particularly are both greedy and fearless, these tiny, courageous things that don’t seem to realize just how small they are.  In the dead of cold winter, food is important, and after a few passes, coming to my hand was not all that hard.

The boys, of course, wanted birds to come to their hands.  Isaiah, who is naturally good with animals, managed it once or twice, but the others simply couldn’t stay still long enough to have a bird come to their hand – the wriggles of childhood were just too built in, and when one approached, they would get excited, and begin to jump about.  So we shrugged and went on to other things

This morning, however,  I came out to see all three of my younger boys carefully, silently, in perfect stillness, holding up nectar-rich flowers, and from hand to hand, there flitted a yellow butterfly, sipping from those flowers, which my sons – 3, 5 and 7, managed to keep perfectly still.

After a while, the butterfly wandered off to find new nectar, and I asked the boys how they had kept so very still for the butterfly.  Simon told me that they’d seen the butterfly approaching, and that they knew that it wanted to come to them.  So, as he said, “we decided we’d be flowers ourselves, and flowers don’t move when the wind isn’t blowing.”

I admit, I was a little astonished that my three bouncy children could be as still as plants, rooted to the ground, and I wondered how they knew so certainly that the butterfly wanted to come to them, so I asked.  Isaiah looked at me as if I was the silliest creature ever – “It looked like it wanted to be with us.”

If I were a good writer, I’d make that a metaphor for something, but in a way, I think it would spoil it.  But it is good to know that stillness comes when the moment calls, and that boys and butterflies have much to say to one another.

Sharon

Peep!

Sharon March 30th, 2009

Spring doesn’t come easily in upstate New York - she wrestles with Old Man Winter for a long, long time before he gives up.  The first sign is the daffodils, up a small amount in February, giving false hope, but also inspiration – proof positive, as they weather layers of snow and ice that spring may come in the guise of a fresh girl, but she is one tough young lady.  But I have to remind myself – green stems do not mean spring.

Then comes the inevitable thaw, and the smell of wet earth, that scent that screams spring, but isn’t quite because you’ll have more frozen nights and wintry days yet.  The grass, uncovered, greens up faintly, but the dominant colors are dull grey and brown, and we hold our breath for the change that can’t come fast enough.  The crocuses bloom, and that is a small change, a step forward, but the real thing hasn’t come. 

The birds come back, new ones each day – first the robins, of course, still in winter, but a tiny flit of hope for an end.  Then the grackles come in waves (it is hard to be excited about grackles, but in winter, one can be happy about anything that prophecies its end).  Then a bright dash of red winged blackbird, and then a sudden burst of new birds each day.  But delightful though they are, the birds in themselves cannot carry spring.

Here, spring isn’t a color, and it isn’t a smell or a taste, and it doesn’t even have wings (although it might have feathers, a la Emily Dickinson).  Oh, spring has flavor – wild strawberries and overwintered spinach, dandelion greens and wild asparagus.  Spring has smells – warm wet earth and daffodils, hyacinths and grass, and colors – the clear pure yellow of daffodils, the purple of crocuses, that sweet gold-green that blushes trees and the reddish tint of buds that preceeds it, the vibrant green of new grass.  But it is none of those things. 

It is a sound, a single sound, the end of wintery silence when the Peepers wake up and begin to call to one another for love.  Peepers, for those of you who don’t live where they do, are tiny frogs, who make a sound not entirely unlike the sounds of katydids or crickets when heard from a distance, but different, wonderfully strange and sweet up close.  They are far too loud for their tiny size - standing next to a pond full of them, you would think you might go mad – except that after a long muffled winter of snow, you have to listen just a little longer. 

One year, just once, I heard them begin to sing.  We went to the wetlands on the edge of our property, walking along the road, and we stood in absolute silence and waited, and heard just one peeper take up the song,  for the first time or maybe it just seemed that way.  By that night, the whole watery area was in chorus, but just at the beginning, it was just one lonely peeper, hoping that somewhere, there was someone else for him.  It was strangely magical, and every year I try to duplicate it, to be there when they awaken, and spring truly begins. 

This year we went, day after day, long before it was really likely that we’d hear them, when there was still ice along the edges of the water and patches of snow in the woods, but we went.  And even Asher knew that when we got to the wetlands, we should stand, and be quiet and wait.  And we would, hearing new bird songs each day, until something disturbed us.  Yesterday, we got back late from the Greenmarket and errand running, and everyone was tired, so we did not walk out.  And at chore time, as I was cooking dinner, Eric came back in and told me that the peepers were calling.  We had already put the boys to bed, but ran upstairs, and opened the windows so that they could hear it too.

 I missed the moment spring came to my place, but I expect that, no matter how hard I try and duplicate a near-miracle. Mostly, you don’t see deep change happen, even though you know that it is occurring.  You go out in the garden after an absence of a few days, and wonder how those tiny seedlings became those deep-rooted plants, or you look at your daughter and wonder how it is that she’s lost the look of a toddler and become a child, with nobby knees and a galloping gait.  Mostly the biggest transitions pass us by, and it is enough to say that you didn’t miss anything important in its entirety.  They say on hot nights in July you can hear the corn growing, and just once, I did hear the peepers awaken, but mostly the greatest transitions pass you by and that is our lot in life.

In a purely practical sense, were you looking at my mud-colored landscape, you might wonder what changed, why I say that spring came.  We still have more mud than green, things are still changing only incrementally, the daffodils still aren’t yet open, although the purple crocuses brighten each morning.  Things still squelch, and I know better than to plant out today – the peas I put in today will, as usual, sit waiting for dryer and more settled weather and end up being harvested at precisely the same time as the peas I plant out in two weeks – so why bother, except, of course, that I am chomping at the bit to plant anything outside.  Seedlings are great, but they are not sufficient to sustain me.

All I can say is that I know this is it because it is – not very useful, I suppose, but I know that now no snowfall, no late frost, no burst of winter will make a difference in the consistent forward motion of energetic spring.  So I wait to plant,  the waiting is made easier by the singing of tiny frogs, frogs I almost never see, whose presence I would not suspect were it not for those short weeks in which their music dwarfs the birds and my noisy family, and shakes the foundations of winter.  He’s done for. 

Spring has won, again.  The rest will come slowly, achingly, and then it will burst upon us, and some people, looking at the flowers, the grass, the budding trees, will nod and say “spring is here.”  And we will smile at them and agree that it certainly is, and hold quietly the fact that we heard spring happen, and were there, if not for the golden moment, just after life returned anew.

Happy Spring, 

Sharon 

What Is Your House Worth? Both Less and More than You Think

Sharon December 16th, 2008

Yesterday’s big news included the fact that Americans lost two trillion dollars in housing wealth last year.  That’s one heck of a big number – except that like most of the big numbers we actually see in the news these days, it radically understates the reality.

You see 2 trillion is just the amount that they claim you could have sold your house for in 2007 vs. 2008.  But that doesn’t really tell the whole story.  Because, of course, this assumes that most of us could access the value of our homes if we wanted to.  But for many people, that’s no longer possible at all.

For example, for many thousands of people who plan to stay in their homes and  would like to access the equity in their homes through home equity lines have seen them revoked.  Millions of people cannot sell their homes at any price, because they are now underwater, and the banks will not permit a short sale, or because they can’t afford to lose their downpayment, but can afford to keep paying the mortgage.  Still more simply could not sell their homes at any price they are willing to accept, because nothing at all is selling, and they cannot find a buyer who can get credit.  The functional value of many homes in the US is very low or negative – that is, the house will continue to cost you mortgage payments and taxes, but you cannot functionally extract any value from them.  Realistically, many, many trillions are now tied up in housing as functionally “lost” value.

For many aging folks who had relied on their housing as an “investment,” and for the many elderly who had most of their wealth tied up in their houses, they will find that not only can they not cash out, they may no longer be able to trade their housing for care in their old age – assisted living depends on high valuation of homes – right now, it seems that few companies wish to take this in trade.  

Is the whole story of home ownership unremittingly bleak, however?  If you are underwater, is that the end of home ownership for you?  My own take is that it isn’t, that there are several ways to shift the economic situation so that homes move from the debit column to the asset column. 

The first is to shift your thinking.  Until not too long ago, people rarely thought of their homes,  primarily as assets.  Your home is, well, your home.  Its value lies not in its potential sale price, or your ability to trade it for something, its value lies in its function.  Now only you can evaluate whether you will be paying too high a price for that home – and this is something we all need to think through.  But if your house is worth the price to you, too tight a focus on its “official” value distracts from the reality – one’s home is one’s home.

But that’s not all there is to it.  Right now most of us with mortgages are pouring money into our houses.  None of us can afford a money pit right now – we might as well at least pay rent, and receive basic services and allow others to take the economic risk and make the repairs if we are simply going to pay out (please do not mistake me, I don’t think renting is a bad idea, in fact – but this post my primary focus is on the present homeowning majority).  So your house has to not just shelter you, but either help you produce money or enable you to reduce other costs.

That means that you need to evaluate your home for what else it can do for you.  Can you grow a garden, and reduce food costs?  Plant fruit trees, nuts and berries?  Raise chickens, rabbits or bees to provide food and fertility?  Raise larger livestock?  Produce some of your home heating or cooking energy in the form of anything from coppiced firewood to twigs and dried grasses for a tiny hot rocket fire to stir fry over?

Could extra rooms in your home enable you to produce additional income or reduce total costs.  Could you rent out a room, make an apartment and rent that, or take in a housemate?  Could you consolidate with your family or with friends? Do you really need all the space you have?

Do you have a workshop that would enable you to do home repairs, fix your own appliances and otherwise cut back on new purchases and hired labor (you may have already done this, but if you don’t, it is time?). Do you have the equipment to mend and repair your own clothing, rather than replace it, or perhaps even make new? 

Could any of these things (or something else) be adapted into an income stream?  That is can you make, build, repair, mend, cook, tend or do something else that is needed in your neighborhood?   There are hundreds of small businesses that can be run from your home part time – everything from small scale programming to selling bulk foods, from daycare to mending and handyman work.  These have the dual effect of offering you an economic fallback position, making your home into an asset (and potentially reducing your tax burden in some cases), and also by engaging with the people immediately around you, improving local economies and communities.

Suburban and rural garages and barns offer the possibility of even more than cottage industry – a business that might eventually employ others in your neighborhood.  Think about what you depend on, and what will be needed in your community - is it possible that your garage might be the new general store?  That your small greenhouse operation might employ your neighbors eventually?  That yours might be the neighborhood bakery or restaurant?  Those of us who live in areas away from commerce might start thinking in terms of establishing local businesses – these may need to stay under the table until enforcement of restrictive regulations is reduced – that is, you might start baking for a couple of neighbors by barter, while also gradually working on finding the equipment to expand eventually.

What about community as an asset.  If you stay put in a place where you have ties (and this presumes we have done the work of making those ties), can they provide a measure of security, of safety, of assistance that we once relied on economic assets for – that is, the neighbors who watch out for you, who help out during illness, who will work with you, who send over a pot of soup when they have extras – those are assets of economic value as well, and must be considered in the calculation.  Staying put can enable us to keep those assets in place.

In many cases, if you are committed to keeping your home – because it is near your family, because it has an ideal yard to grow food in, because you are tied to your community – you will need several of these strategies.  And they may be hard to enact at first – for example, it may be hard to decided who gets to keep their house when the need for family consolidation comes up. Who moves in with who, and how do we protect the interests of those who don’t own?  How do we handle multiple parties working out of the same house?  How do we get used to less privacy and less personal space? 

The other calculation we need to make is the truly long term value of these homes.  Wealth in the US  is disproportionally concentrated in the hands of older people – high housing prices and rapidly inflating educational costs along with stagnant real wages mean that those who bought into markets decades ago got most of the actual wealth.  Older people and younger ones have a shared crisis – the elderly and aging baby boomers who relied on financial investments and housing to ensure security in their old age no longer can rely on either of those things.  Younger people who couldn’t get into the markets, or couldn’t do it without extortionate rates and minimal downpayments have either had no opportunity to own a house or will lose that option rapidly.  So we have older folks with houses, but with declining investment income and a declining number of years of employment, and younger people who can work, but who can’t get into the housing market, who can’t afford a mortgage and who soon, by defaulting on student loans and mortgages, won’t be able to for a long time.

You may not be able to trade a house for assisted living anymore, but you might be able to trade a future in your home for help in your old age – it might be as bluntly mercenary as that, but in most cases, it won’t be, it will be a familial relationship.   But aging baby boomers and the elderly in the US are facing an economic crisis – and they are going to have to start thinking of their homes as a long term asset to be passed down to children and grandchildren – and those children are going to have to start seeing themselves as stewards of a resource, the people who care for the family home, so that their own posterity can inherit it, and who in turn, care for their own parents and relations so that someone will do the same for them.

The shift of housing from a salable asset to something worth holding, a source of income and reduced costs, the place where you live out your life, and the place where your children grow up, come to adulthood, and come home to is going to be the great psychological and economic shift of our times, I suspect.  And any calculation of the value of our homes must begin from this complex question of what our homes are worth – as I say above, I think many of us will find that the answer is both less and more than we ever expected.

Sharon

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