Ecolism Volume 1 UK Edition Written by: Henri Maalouf Book 1: My Utopian Eco-Socio-Economic System, Book 2: My Utopian Eco-City
Do you want to live in an ethical eco-socio-economic system unaffected by global economic turmoil and free from terrorism?
Do you want to build eco-cities to end poverty, save billions on public spending and reduce CO2, N2O and other pollutants to 0%?
Would you like to live self-sufficient in a sustainable ethical society and own an eco-home that becomes your space for survival?
Do you want to live in an eco-city protected from unwelcome visitors and has its own Magna carta? If yes read Ecolism volumes to learn what to ask your leaders to do.
Ecolism Volume 1 is one of four small volumes proposing eco-solutions. It aims to solve most problems in most social and economic systems. Henri E. Maalouf creates a framework of a social and economic system to complement a utopian Eco-city. H.E. Maalouf suggests that it must be a compulsory human right for each couple older than sixteen to own an eco-home and the government pay the interest on their mortgage until the social welfare system find them a job to repay the loan.
“An Englishman’s home is his castle,” and H.E. Maalouf says:
My eco-home is my space for survival.
Why do I need a mansion when I can only sleep on one bed?
Every couple older than 16 should have the right to own an eco-home that costs £100k and pay less than £250/month interest. The government should guarantee the mortgage, and it is her duty to educate, train, and employ people to be able to repay it back.
Henri Maalouf is an I.T Solutions Architect, and has worked as a contractor for banks, governments, and global companies, designing and implementing the latest technologies on a global scale.
However, following the recession in 2008, Henri started thinking of a new eco-socio-economic system for the destitute to live an economic self-sufficient eco-lifestyle unaffected by national or global economies.
This summary is for those who do not have the time to read the detail of this book and just want to know about the concept in brief.
The concept is to create one million eco-homes in each self-sufficient and sustainable eco-city, with surrounding eco-industries and businesses to employ the locals and anyone, at any age, who can work any number of hours to pay for the mortgages on their eco-homes. In the case of unaffordability because of unemployment, the government’s welfare system should pay the interest on the eco-home’s mortgage, which is cheaper than paying the rent.
The concept assumes that the government handles the socio-economic system that is responsible for any unemployment. It is the government’s responsibility to train the unemployed in the required skills, and find them a job to allow them to repay their loan and live a decent life. The eco-home is pre-fabricated from timber and costs £100k or the equivalent. The interest rate is a maximum of 3% or £250/month that is affordable by any working couple, and is less than the rent or the housing benefits some governments pay for the unemployed.
Any government can donate or lease public land for the eco-city and surrounding eco-industries, in addition to guaranteeing the mortgage loans’ interest for the unemployed or retired. Therefore, financing an eco-city is not a problem if it is open to any private investor at a guaranteed and fixed interest rate of 3% maximum.
The residents will live within their means and have an eco-lifestyle, and should accept training in new skills to be able to work in the available jobs in the eco-city to pay the interest or repay the mortgage. Once they have lower outgoings, then they can accept lower hourly rates, and become more competitive when getting a job.
Eco-industries and businesses will be encouraged to move to the eco-city to benefit from low overheads by employing cheaper workers, and having free electricity, free or leased land, and ring-fenced net tax-free profits of 5% on investment. The mass production of the required materials to build the eco-city will reduce its cost, and give the eco-industries the advantage of exporting at globally competitive prices.
Each eco-home will have an edible garden to grow their own food so that nobody starves under any circumstances. Each eco-home will produce more electricity than it consumes from renewable sources, and will have access to the internet for people to learn and work from home.
The eco-councilors or administrators of the eco-city, must be subject-matter experts in their fields, and not politicians with no relevant education or practical, real-life experience. The governance of the eco-city is a joint venture for eco-councilors, committees from businesses, and public representatives.
The new concept of the eco-city is a self-sufficient, sustainable, and complete human ecosystem, with an eco-socio-economic system where residents live an eco-lifestyle governed by a new eco-Magna-Carta as the eco-city’s social charter.
Building a utopian eco-city must be done in the most cost-effective way, utilizing every available space on the land for producing something useful, but without causing CO2 and N2O emissions or any pollution to the environment.
Before we design an eco-city, we must find the right land with sound geological conditions and structure, as well as having a strategic location close to a big city, and with easy access to a sea port and airport if possible. Obviously, it should not be next to a volcano as it could be destroyed by the volcano’s eruption, nor close to the sea where it could be flooded by a tsunami (a giant sea wave), nor somewhere it could be shattered by an earthquake, nor in an area vulnerable to a river flooding, or any other disastrous force majeure possibility.
Once we find the right land, then we design it to accommodate up to one million houses surrounded by a man made river, fences, sustenance zones, and eco-infrastructure as suggested in the following sections. However, before we start building, we must have a vision for a better eco-socio-economic system and how people are going to live in an eco-city as a harmonized, peaceful, free society.
The success of building an eco-city depends on meeting many criteria, and the objective is to make it a great national project. The eco-city should be the modern equivalence to the ancient wonders of the world: The Colossus of Rhodes, the Great Pyramid of Giza, the Hanging Gardens of Babylon, the Statue of Zeus at Olympia, the Great Wall of China, and many others. Only this time, it is an era of justice, peace, equality, ethics, self-sufficiency, sustainability, and high achievement in ending poverty by giving an eco-home, as a compulsory human right to each couple or family.
The primary criterion to make this eco-solution successful is a central government or a local authority donating or leasing a sizeable area of public land, which is large enough to build one million three-bedroomed, detached eco-homes with edible gardens, in an eco-city surrounded by eco-industries, business centers, and agriculture.
The second most important criterion is to guarantee the mortgage loans for the unemployed at a maximum 3% fixed interest rate, and 0% deposit. Additionally, there should be no ‘credit scoring check’ or any other unaffordable payment conditions, because the housing social benefits can pay the interest on the loan for the unemployed or retired.
The third most important criterion is for an eco-council to organize an eco-lifestyle for the eco-city inhabitants where no one will go hungry or live without shelter. And it is the responsibility of the eco-city’s eco-council to train, educate, and find jobs for the inhabitants to pay back their mortgage loans.
The fourth important criterion is an eco-socio-economic system, forming a tripartite governance partnership from three committees consisting of specialized eco-councilors, businesses, and workforce representatives or committees. The purpose of a tripartite governing body is to agree laws for the mutual benefit of everyone, ensuring continued sustainability, mutual benefit, and high productivity.
The fifth essential criterion is to create an eco-bank capable of managing more than £100bn for building the eco-city and an eco-commercial-bank for managing more than £100bn investment for the industries.
Building a large eco-city of one million houses should not be contracted to the traditional, expensive construction developers or a foreign company, but it should allow self-building by the unemployed, volunteers, and locals.
The eco-homes are a standardized, prefabricated design and come with step-by-step instructions to build them in seven days by seven people to make it easy for the unprofessional to build them under the supervision of a professional builder.
The London 2012 Olympics' success was down to 70,000 volunteers. Imagine two million unemployed building an eco-city of one million eco-homes. Completing the eco-city may only take one year if we build small carpentry factories for manufacturing the prefabricated building components. As a bonus to the volunteering work, the builders of the eco-city will get virtual credits for their working hours to use as a deposit on an eco-home and be prioritized for buying one.
The eco-solutions should not be a partisan project nor a commercial one. It should be a social consensus and a national motivation to build something great, such as a unique eco-city and new socio-economic system that complements it.
Financing the eco-city is not that difficult, considering there are £700 trillion in derivatives floating around the world and there is enough of the big cake for each participant to have a bite. The Bank of England’s interest rate is 0.25% and the US Federal Bank is 0.5% currently. I am sure banks and investors would happily accept a 3% fixed interest rate or even less.
Nevertheless, I envisage more open investment opportunities for the rest of the world, ranging from private investors, governments, all the banks in the world, and anybody with enough money or equity to invest in an eco-home for 100k to gain 3% interest, which is much better than banks are giving on savings nowadays. The flow of investment could be overwhelming. Even industries could invest in their factories and build eco-homes for their employees to guarantee their loyalty for many years to come, or charities that look after the elderly and physically challenged could take part in this project. Housing associations and building developers could also invest.
Additionally, most of the retired who own equity in their property could downgrade to have a cheaper eco-home and spare money to live better without relying on social benefits or relatives’ help. Building one million eco-homes might empty some houses and flats from cities and other areas, but they could be converted to bed and breakfasts, motels or hotels rented as apartments for tourists, students, or business visitors; or used for hosting guests to make even more money than the current rent’s revenue.
Even the worst government can see the economic sense in prioritizing eco-city projects as providing the best investment and value for taxpayers’ money. The government spends billions on the welfare system for the unemployed every year without getting anything back. But if the money could be spent on building an eco-city, and employing the unemployed and training them in the required skills. The investment will be paid back through collecting tax revenues from employment, and the government will be able to minimize spending on social care.
Furthermore, the government does not need to invest billions, but must guarantee the loans and probably spend £40bn on the eco-city’s infrastructure instead of spending on less important projects. The social welfare cost per head is about 50% higher than it would be in an eco-city. For example, instead of spending £80bn outside the eco-city on 2+ million people, the cost will be £40bn on and so will save £40bn. The savings will be because of a lower cost of living and cheaper labour in the eco-city, as will be explained in the following sections of the book.
The eco-city will not only help the unemployed, young, and elderly to own a house but will also revive industry, businesses, agriculture, and the whole economy. The politicians, under the influence of corporations, killed the national industries and outsourced them to other countries. And this is what created the imbalance in import/export, budget deficits and more borrowing to increase the national debt.
This project might kick start a major shake-up and create a new eco-industrial-revolution, better socio-economic systems to compete with the rest of the world, and improve the national economy.
The logical approach to an economy is to protect the national interests of a country first, then engage in bilateral treaties with others to exchange products second, and then have other multinational agreements to reduce tariffs, bureaucracy, and other trade barriers. But, ultimately, will maintain the import/export balance, and encourage manufacturing and buying locally to sustain self-sufficiency. The logic is simple; buying local products keeps locals employed, and saves on unemployment costs, in addition to a national pride of buying local high-quality products even if they are more expensive.
There are 7.5bn people on this planet, who have various cultures and interests, and it is not easy to unite them all as one nation that has a single market and single policy for a new world order. Therefore, an eco-solution creates a protective bubble for each eco-city in each country first, then comes trade with the excess or shortfalls as a secondary measure that does not break the bubble, but supports its very existence and keeps the balance of the ecosystem.
Just imagine if the EU isolated the UK, or if Scotland was isolated from one or both, or if the USA shut the Mexican and Canadian borders, as each depends on the other to survive. The outcome will be financial turmoil and chaos. There is always a way for protectionism as the first national priority, globalization as the second one, and keeping the balance between them as a compromise without jeopardizing either.
The USA wants to build a wall on the Mexican border to stop smugglers and illegal immigrants. Maybe, as a big compromise, the USA should go a step further, build a wall, cover it with solar cells, plant deep-rooted trees, set up giant wind turbines, and create a manmade river running alongside the wall. Then build an eco-city, allow all the Mexican illegal immigrants, the refugees, and the poor in the USA to come and work on this project, then everyone will be happy.
In such a compromise, the US government can protect its border with more than a wall, the businesses and industries move to the eco-city, and use the same cheaper labor they want; they additionally reduce their overhead and benefit from free electricity; and the Mexicans will be happy that they have a home in the USA, working and paying taxes. While helping the Mexicans, this also helps the African-Americans and the Muslims, and will create jobs for them all to work in building eco-cities, so that no one is idle or doing something illegal to survive.
Likewise, in the UK, which has a thriving economy, but the locals are wary of EU workers or immigrants coming to Britain and taking their jobs because they will work for cheaper rates, and are more competitive. In the UK, the unemployment rate is only 5% in the year 2017, but if the UK built eco-cities, then the unemployment rate would not only become 0% but it would employ all the EU immigrants as well, and then everybody will be happy.
However, before we build an eco-city, logic dictates that we set up an eco-socio-economic system for it. Otherwise, the same failure will happen like what happened in Afghanistan, Iraq, Libya, and is
happening in Syria. Destroying dictators and countries without a recovery plan for the aftermath creates chaos and makes the situation worst. Therefore, we must have a plan for running the eco-city before we build it.
The socio-economic system for an eco-city has a philosophy extracted from various religious, economic and political systems, called Ecolism, as a new eco-friendly and fairer system that will improve humanity.