Perumahan

Watch presentation:
http://prezi.com/hbkt1x3e-xef/agrisk-2/
The system has the following potential uses:
- Calculate an adjusted risk rate for each agricultural producer.
- Exchange system to register potential clients, evaluate and approve credits.

To give an example: In August, Global News reported that half of BC housing housing developments are infested with Bedbugs. Treatment options including pesticides and heat treatment have been used but only reduce pest populations - they do not eradicate them. Since it only takes one female bedbug to create an infestation, new recurring infestations occur routinely. SemiosBIO product can be used post-treatment in BC housing units to prevent the reintroduction of bedbugs onto the premises. This would result in a reduction of pest control costs as well as a safer and more sanitary environment for tenants affected by both the physical and psychological implications of bedbug attacks.

For this I'll use my own family experience.

In suburbia:
-My children played with other kids 1-3 times per week for 1-2 hours. I drove to get them there.
-The closest shops were 5 minutes by car and included big boxes like Walmart.
-We owned two cars and drove everywhere.
-Vegetables were mostly imported and store bought unless I found time after all my driving to grow a garden
-adult socializing (friends over for dinner) 1 per two weeks and I'm being nice.

At the Yarrowecovillage:
-Children play 2-4 hours daily with any of the 17 kids onsite
-All my basic needs are met in walking distance. 1 trip per week into "town" is shared with another mom. We get groceries and have dinner.
-We are down to one car and only fill it every two weeks
-Between cold storeage,CSA, trade, and our neighbour's that share we rarely need imported veggies. An example is that we had farm fresh organic greens all winter last year.
-adult socializing happens daily. Examples are book club, yoga, building workshops, swaped child care for dates, and best of all- optional Community dinners are shared 4 nights a week (scaling to 7) frees up time cooking for family time.

My favorite difference is the excellent way this community models Non Violent Communication Skills, and our children are catching on! Regularly my daughter will come to me with things like "Mom. I feel like you didn't hear me, and I'm scared you are going to forget." She is six years old. The positive role models that now surround my children is exemplary.

A social enterprise model could be used to maximize benefits for the builders and homeowners. Different components of the project would be eligible for grant funding.

Haida Gwaii has expertise in home building and plenty of wood. There is also expertise in implementing and using a variety of off-the-grid systems. A Haida artist could enhance the beauty and value of the house by painting the faceplate.

Because the house floats and is self-contained, it could be moored in a beautiful and pristine location. The house would not require any utility bills, apart from perhaps a satellite internet connection. A working prototype could be rented as an eco-tourism experience during the summer. The prototype could also be towed to Vancouver and auctioned off.

There are a variety of technical challenges, and outside expertise will be needed: 1) An architect to review the design, aesthetics, and strength of the building; 2) A systems engineer to review all the Earthship systems, including the waste management system; 3) An expert in floatable concrete platform manufacture from within British Columbia to teach a workshop on building these platforms using on-island materials. Students would build the 20' x 25' platform for the prototype. This exercise will provide valuable information on the viability of building concrete floats on-island.

A successful prototype will demonstrate that it is possible to build a Tiny-Eco-Float-House here on Haida Gwaii, rent it, and also sell it.

Aida Zulema is an example of one Adelante client who has seen a dramatic increase in economic opportunities since taking out her first loan five years ago. Although her children are older, she is now responsible for raising two grandchildren as her own and is also partially responsible for three more.

With the help of Adelante, Aida began her own convenience store after selling lottery tickets in local communities for more than 25 years. Although she continues to travel to sell lottery tickets on the weekends, she is grateful that she and her husband have a steadier source of income with the grocery store. Her husband helps her with the store and also grows vegetable crops to feed his family.

Her first loan was for about $26.00 and her eleventh, most current loan, is for about $633.00. The growth that Aida has experienced demonstrates that many women only require very small loan amounts in order to get started on a successful business venture and expand the economic opportunities for their family.

Aida’s story is only one from the over 6,000 clients Adelante currently serves and 54,983 clients since beginning in 2000.

Currently, a potential homeowner has to run from pillar to post to build his own home as there are no home builders in India. Securing finance is mired in red tapism, especially for the economically weaker section.

In our model, a potential homeowner gets to select from a menu of standardised, pre-engineered houses. He is allowed 'mass customisation'. Such mass customisation can be done in front of his own eyes on a cloud based application, with real time updation of prices, carbon credits, specifications. Once a order is placed, the back end of the cloud based application sends messages to the entire supply chain to collate the exact inventory of goods required for manufacturing the new order. 'Just in time' practices ensure zero waste, wherein the manufacturing happens in a controlled environment in a factory setting. The different components are then shipped to the location and erected on site. The cloud based application also enables the buyer to secure financial help, take insurance; all of this packaged as a single window solution. Once the house is completed, the homeowner gets a 'user manual' on how to 'operate' the house.

'After sales service' of such homes will form an integral part of the offer. So besides creating an integrated delivery ecosystem, what it will also do is generate employment for the maintenance aspects of such homes, at a local level.

Our solution makes a huge difference because of the unintended segregation poverty causes in our city. By creating affordable housing in various middle-class neighborhoods, we seek to ethnically diversify our neighborhoods. This diversity will not only positively impact the tenants we serve, but we feel it will also positively impact the community by creating a grassroots movement to decrease the number of homeless, those that are at risk of becoming homeless, and also those who struggle to survive on limited wages and limited access to affordable housing.

The CarbonE project Value Innovation, first to produce something that no one has yet seen, introducing the low cost, energy and field saving non baked building CarbonE brick made from burned/gasified rice husk creating blue ocean market. Second, will offer an original and practical IDEA which is to do something different from everyone else for rice millers to gasify their reject husk to generate their own bio-electrical energy to run their mills independently from government electrical grit thereby creating a “blue ocean” strategy.
I realized a breakthrough scientific achievement minimizing expensive cement formula ingredient to only 5% and getting the maximum benefit from the pozzolanic reaction between lime & cement hydration process to create the unrivaled CarbonE brick of the Future made of no value 85% “char”
CarbonE project methodology strongly emphasizes that it is not participatory, but collaborative in nature.
I am collaborating with many intergovernmental, regional, national, non-governmental and scientific institutions and development partners in order to disseminate this green project offering free know how, technology transfer and even my on hand personal expertise producing the CarbonE brick
Kindly note that rice is grown on every continent except Antarctica, more than 100,000,000 Metric Tons of rice hulls are generated each year throughout the world which should be utilized as clean fuel and the reject burned/gasified “char” as substitute to clay soil to produce the CarbonE brick to empower the economic role of women in agriculture and rural development.

We establish a savings cooperative in a local neighborhood. Families who prove they own their land can sign up to start saving the amount equal to a mortgage payment each month. During this time they receive education on finances, loans, and home ownership. When they have saved 10% of the housing solution, they receive a loan for the materials to construct their home.
The members in the cooperative aid in the construction of each other's homes, providing sweat equity. Members are trained in building techniques that can be used for jobs. Once the home is built the family makes payments on their home loan, usually paying the loan off in 7-10 years at a rate they can afford, usually 9-12% annually.
Now the family has an asset in the home with equity built in. They have a credit history with the savings account and home loan. They also have a physical address to provide banks to be able to open a checking account. Their credit history should allow them to qualify for other loans at much more affordable rates.
Their homes are also built with energy efficient wall systems (certified by the Mexican government office for energy ONNCCE to meet the highest standards for energy efficiency) which allows the family to save on expensive energy costs.
These local cooperatives act as franchises and are managed by local leaders. This allows us to replicate the model throughout the region and the country.

A homeonwer would be able to fix up outside of their home to make it asthetically appealing and safe! Let's begin with the stairs that lead to their front door. The homeowner can borrow hammers, skill saw, levels and nails to work on the stairs. Replacing rotten wood and adding a hand rail. They would be able to borrow paint materials to help keep the stairs in good shape longer. The homeowner could then borrow a lawn mower, weed eater, wheel barrow and rake. They could use the equipment to tidy up and maintain thier yard. This provides the homeowner with pride in ownership of their home. It helps the community spirit and encourages families to work together.

The Childrey Deliverance Foundation 501c3 Tax Exempt Education Corporation formed eight years ago in memory of (Johnny C. Childrey), my Grandfather, to provide financial literacy and credit repair services to youth deemed at-risk, low-income adults and emerging entrepreneurs. Our mission is to mentor/counsel economically disadvantaged individuals in urban communities on the importance of personal economics (credit). We provide effective advocacy and compile/disseminate information useful to empowerment and self-sufficiency. Once a client has completed our vigorous rigors they will be able to build an excellent credit score and become eligible to receive a Business Loan or Mortgage to start a business or purchase a home of their own.

The (C D F) will be implementing its credit counseling services to the fullest extent. Credit is a tool to be used properly. The key goal is not to destroy your credit from the beginning of starting your credit history. If a client happens to have been irresponsible with their credit, The (C D F) can help its clients reestablish their credit history through our Urban Economic Empowerment Program to initiate debt reduction and savings development plans to achieve the major life-enhancing goals of Business and Home Ownership.

The assignment is to jumpstart the economy of urban cities by creating
”Community Revitalization”.

At the (C D F), we’ve learned that it’s only by Reinvesting into Ravished Communities and providing answers to failed socio-economic conditions in urban communities can we change communities in economic turmoil.