Home Concept

Home Concept

The saying goes: “An Englishman’s house is his castle”.
I say:  My home is my space for survival, whether it is coronavirus or economic meltdown.
Henry Maalouf

The CORONAVIRUS aftermath will be worse than the 2008 recession: companies’ bankruptcies, redundancies, high debts and unemployment, inabilities to pay mortgages or debts, reduced wages and global labour competitiveness of people accepting less than minimum wages or income to survive.

The Home Concept
How to own an Eco-home without paying any money? The formula is simple. Renting a small flat cost about £1000/month. Buying an Eco-home worth £100k at an interest of 1.5% is £125/month. It is much cheaper than rent and whatever the DWP or housing benefit would give the unemployed, elderly or retired. However, if people have income, then repayment of £500/month is still affordable by anyone.

The problem:
Banks or private lenders will not give you the money if you are not working, have bad credit scoring, no income, no deposit or collateral or guarantees and the rest of their terms and conditions. The government will have to pay more billions to the unemployed, pensioners, disabled, critically ill and as mentioned before more than the cost of the interest on an Eco-home. And I hope that they do not bail banks or businesses.

The solution:
Governments will print more money, give Banks quantitative easing, borrow at a lower interest rate may be 0% or let’s say 0.5% and be generous. Councils and the government own public lands including the so-called green belt areas. The government can issue bank loan guarantees or bonds. The richest 3% will shut down their unprofitable businesses and have plenty of cash sitting in the bank with no interest paid and so are many people with saving accounts.

So, the money will still be available to guarantee bank loans or mortgages.

The requirements:

1. Nationalize greenbelt, other public, national trust, and others not used or owned lands.
Build Eco-cities or towns as described in my book Ecolism 2.

2. Lease a plot of land for any unemployed family or pensioner that can be used as collateral by a bank or a lender.

3. Government loan guarantee to pay the interest on the loan instead of housing benefits until a job is found, then when people are working can repay the loan.

4. The government can borrow at 0.5%, give the banks who can charge up to 3% interest. This is to give the banks and any private lender incentive to pay for building a £100k Eco-home.

5. The Eco-home can be prefabricated and built by volunteers with the help of 1 professional builder and in 7 days. And as described in the book Ecolism 2 and the following section.

6. Charities and lotteries could help the homeless, disabled and elderly

7. Each capable Eco-home owner must accept the available jobs or get required skills’ training for a required job to repay the mortgage, otherwise, leave the Eco-home or the Eco-city and lose equity.

8. Employers could lend their employees the cost of an Eco-home as long as they work for them and repay the loan.

and so on….

Eco-Home Concept
To survive in an economic meltdown or virus warfare or cyber-attack or any global threat, we must be completely self-sufficient and living on the necessities. Surviving warfare without welfare can only be done, when my family home can give me all that I need, and so is a country. It should be able to shut its borders and survive without needing anything from anyone else, otherwise, it is not an independent secure country.

There will be new birth after death but I must learn why did we die.

My Eco-home is my space for survival. It provides me with organic food from my garden when I am hungry and have no money to buy or can’t shop. It keeps me warm when it is cold and gives me light in the darkness, from its renewable energy sources. It quenches my thirst from the rain or river when I can filter and convert it into healthy water. The Internet allows me to study online, communicate with the rest of the world and work from home to survive in a competitive crowded planet.

If we can grow plants in the outer space, we can do the same anywhere on earth.

The Eco-home is not just another house or a flat in a small village, town or a big city randomly developed over the centuries without a purpose except to live in a non-self-sufficient shelter. The Eco-home functions better if it is part of an organised purposely built Eco-City capable of serving its inhabitants to live in a sustainable Eco-socio-economic system or human ecosystem.

I can live alone and remain small but working with others make me grow bigger.

There is a limitation to what a person can do alone. We live in a complex diversity of the 21st century, and as the saying goes: many hands make things work. That is if they work together not against each other. A person is a piece in a puzzle without value until all the pieces build the picture. Therefore, no one deserves money or power more than any other, but each has a role to play or a place in the big picture.

The Eco-concept is to live better in a cleaner and ethical environment, spend less but get better value for money and remain self-sufficient.

My Eco-home in an Eco-City or a country is just a little neuron in my brain’s network of neurons interacting with others to find its way getting what it needs without disturbing the balance of my brain’s ecosystem. In other words, each person in an Eco-home can get what is needed to survive in an organised Eco-city or country, collaborating with others to complement and support the balance of the Human Ecosystem.

If each family is self-sufficient, so will be the country and no poverty will exist.

In a utopian civilised world, it must be a human right for each family to own an Eco-home and become self-sufficient in a sustainable human ecosystem from the cradle to the grave. But humans are not that civilized yet.

My Eco Home is like the blood flowing through my veins to keep me alive and gives me all that I need to survive. So, let me live peacefully in my Eco-Home, even if I am isolated, to spread happiness and peace to the societies and the rest of the world.

Why buy a mansion if you only sleep on one bed.

Building an Eco-Home does not have to be an expensive shelter that we must live most of our lives paying for it. And it does not have to be a luxurious, glamorous, and beautiful picturesque to look at and enjoy its beauty only. Nor it is a place to eat, sleep, and pass the spare times of our lives watching TV, drinking alcohol, eating delicious food and that is all. It is much more than this. It is our protective shell from our enemies.

My Utopian Eco-home is a protective shell for my survival, as my body is a vehicle for my soul.

The Eco-Home equips a family with all that they need to survive, work compete with others, produce income to pay for a decent living standard and evolve into better human beings. We should not rely on the government’s help or the taxpayers money or the social benefits systems or even charities to live. We should depend on ourselves if we have the tools for survival.

To survive and become competitive, we must reduce our outgoings to a minimum and live almost free of expenditure or live in the most economical way possible. The Eco-home’s design will give us a place to work from home or self-employ ourselves if no one else employs us. The Eco-home should produce electricity more than it consumes to end paying for it. The water should be captured from the atmosphere or rivers, stored, filtered and reused to irrigate the garden to grow food and never spend money on food or water.

I got all that I need, there are millions to feed. My multifunctional Eco-home and modest Eco-lifestyle are my survival necessities, if I have anything else I must help the needy to sustain the human ecosystem.

The Eco-home designs
The family Eco-home has 3 bedrooms for a minimum of two people to share and it is surrounded by an Eco-garden. It is an open plan and economically built but durable to last 500 years. There are details about the design in Ecolism book 4.

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