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Oriental House Model

Co-Housing

After, the house meltdown in US, not only affected the owners in US, but the world economy, how, the situation got to this stage, since the 1930s, the upper class has been in denial, they, economy base on Social Darwinism, and the two schools which define British Economic though regulation as control, and not regulation. In the 1980´s after the inflation economy, using the idea: everything has a price, and the concentration to the wealth should be to a small group, they decide and trickle down the wealth, but the free marketers, did only will take place after all the safe-guards will be remove. In effect one important, safe-guard the banks can not be used funds as investors. 

The consequence, not just the greed, but using bank deposit, originally the idea was to privatize social security, they become the funds, but the Democratic congress did not when along, the Chile as example, where originally the public retirement funds become privatize, but in the 1980s the risk, and losing some the funds, reverted given option to kept the funding in public hands or private investment, 95% return to public and only 5% was kept in private hands. Because, the deny of retirement fund as capital, and from Enron experience, where creative accounting, bough down the company, where the Managers, encourage their own employers to buy the company shares, and the Managers, where selling, because the company was collapsing, since they debt was off shore in fictitious companies, and the books transmuted deb from red ink to a profit. The banks pray the US the wealth value is measure on wealth, and the wealth is based on house, the encourage the home owners to used their houses private banks, and the wealth was house cost, with the assumption the value of the house will increased, and the second victims were the renters, where the promise house ownership as the cost of their rent, of course house ownership, have fees and this fees are more than rent itself, the lenders deferred 3 years, in the hype of the propaganda 2006  in the State of the Union, the president George W Busch proclaim now more low milled class and the poor have the American Dream, so wealth was under reach, when 2008 come all this forces in place created the meltdown. But the deception did not ended with help of the rating Agencies the deb was transform in great investments, through the London the financial system, introduced to Europe, on paper the borrows, first time and second mortgages, where excellence investment. For the home owners the long the value increase in the case of second mortgages, or the fees where included works, but then, bubble burst and the economic meltdown of 2008 began as chain reaction, from house to auto industry and 4.5 Million home owners lost their place. In Europe they left with the investments of empty houses. The wealth created from the pyramided skin, did not tricked down, and the wealth was not invested in infra-structure, bridges started to collapse, and without railway system and public transportation or education become privatize, was outreach, in US not just a wealth inequality, but permanent underclass, but the seed of popular revolution, while in US race is heart of the issue, but demographics where not minority is the majority and the white society demographically decreased, a social confrontation. When member of congress, tell the population, does not expect financial relieve, only if your 1% of the population or the banks, and today, some developers start using crow sourcing to invest in house developments, and the same mistake of greed taken place, eventually, the development will collapse and individual wealth will be lost.

After the trauma, the question become how to resolved loss of the house, in Spain where many families where dislodge by the banks from their house, some made occupation of their own house, force was used to obtain the dislodge, the question what will be solution, today more the ever is possible to be off the grid, using wind, bio-gas, micro-hydro and solar power.

In the 1960s co-housing originated in Denmark, the philosophy was intentional community, based on social community, where the house become from the born to the last days, with flexibility to growth children to adults. The ownership of the house, can be setup cooperatives, house associations or condominiums, the house itself can follow Japanese philosophy, using the materials of the region and practicality, the way of live is not based on consumption, and manage as non-hierarchical structure employing a consensus decision-making model, the off the grid should use from the consumption of water, to the disposal, for example using wetlands is way to recycle the water, and the effort should be obtain land closed to water source, independent of the private or public water supplied, and with access or easy construction of public transportation, ray is most efficient and access to local business.