[permaculture] The Long Emergency and Financial Planning
Laura C Frazier
lauracfrazier at earthlink.net
Fri Jan 5 15:42:43 EST 2007
Sean and Lawrence,
Thank you for the wonderful systemic examples!!! I can see there is a
lot of work to be done here in the Central Piedmont and I will want to
get in touch with you, Lawrence.
I'm also wondering more specifically how folks are thinking about their
money: retirement funds, stock market investments and such. Part of me
just wants to take everything out of those traditional investments and
bury it in a jar in the woods. And what about health care? As you can
tell, my husband and I are standing on the precipice looking over and
not seeing any familiar nets. I'm one of those kinds who had rather
die happy in my 60's than throw $1200.00 a year at the insurance
industry. My first thoughts are that health care would be part of the
CoOp that is established.
Thoughts, musings, experiences...?
Thank you So much!
FarmGirl Arts & Consulting
Laura C Frazier, M.A., M.Div.
Kernersville, NC 27284
> Laura C Frazier wrote:
>> Hello folks,
>> I've been reading the entries for 8 months or so with great interest
>> and have learned a lot. Now, it's time for me to post a question. My
>> husband and I are shaping our future homestead via permaculture
>> principles as a result of our reading _The Long Emergency_, _Power
>> Down_ and other peak oil literature. We also bring to our adventure a
>> deep love of the land, farming and a commitment to sustainable
>> practices. Our biggest conundrum right now is how to approach
>> financial planning including investing and subsistence living in the
>> face of a "long emergency." We live in the Southeastern USA: North
>> Carolina. I wonder how others are shaping their financial futures at
>> this time. What kind of trends do people foresee?
> Problem locating marketing opportunities for sustainably grown produce.
> I have 4 acres worth and have no idea where I will be able to sell,
> at any price, most of what I can grow. This has a lot to do with long
> term financial security.
> The answer is to develop a local and regional production and services
> marketing and exchange network
> and coop and CoOp CSA(community supported agriculture)/CSS(community
> supported services)/CSP(community supported
> production), owned and operated by the participants. A true support
> network. I would like to be involved in starting
> one of these in our area, Central Piedmont NC.
> Lawrence F. London, Jr.
> Venaura Farm
> Chapel Hill, N.C., 27516
> lfl at intrex.net
> Message: 5
> Date: Fri, 5 Jan 2007 06:57:11 -0800 (PST)
> From: Sean Maley <semaley at yahoo.com>
> Subject: Re: [permaculture] The Long Emergency and Financial Planning
> To: permaculture <permaculture at lists.ibiblio.org>
> Message-ID: <20070105145711.79951.qmail at web52805.mail.yahoo.com>
> Content-Type: text/plain; charset=ascii
> ----- Original Message ----
> From: "Lawrence F. London, Jr."
> <lfl at intrex.net>
> To: permaculture
> <permaculture at lists.ibiblio.org>
> Sent: Thursday, January 4, 2007
> 3:59:35 PM
> Subject: Re: [permaculture] The Long Emergency and Financial
>> Problem locating marketing opportunities for sustainably
> grown produce.
> Laura C Frazier wrote:
>> Hello folks,
> Our biggest conundrum right now is how to approach
>> financial planning
> including investing and subsistence living in the
>> face of a "long
> emergency." We live in the Southeastern USA: North
>> Carolina. I wonder
> how others are shaping their financial futures at
>> this time. What kind
> of trends do people foresee?
> I know my neighborhood wouldn't be
> typical, but the concept would be the same. There are hundreds of
> families per
> block who all have poor food choices from sources they don't really
> know much
> about. The CSA locked out new members at 80 last year (it was a favor
> to accommodate
> more than 50), so it wouldn't be outrageous to have hundreds of
> familiesto start another CSA with proper promotion (deliver to the
> park and be on your way, as
> neighborhood volunteers organize the rest).
> Rural areas have food, but
> poor economics. Urban areas have money, but poor food choices. You'd
> think the
> two would get together. If only I had the time to do the website to
> this. With an 8 million person population, it isn't hard to find
> volunteers here.
> North Carolina may not have a city of this size, but the dynamics
> should be the
> same. All you need is one poorly served high density neighborhood to
> 100 families paying $400 up front in May and then bring them a week of
> veggies. Would $40,000 make it worth driving into the nearest city
> once a week during the summer and some of the fall? Our CSA already
> comes in for the farmers markets, so this is just money in their
> pockets before the seeds finish sprouting.
> Another thought:
> a small steady-state economy. One can start with the CSA model and
> slowly pool
> funding into this "small economy".
> Example collection of 100 families
> we'll call a rhizome:
> 1. Each family contributes $100 every month
> ($10,000/mo or
> 2. By
> lottery or whatever makes sense, pay off each families debt with
> still paying that debt, but back into the rhizome (rhizome
> grows ~10% beyond monthly contributions). (+$12,000 year 1,
> +$25,200 year 2, +$38,520 year 3, etc actually more, but for
> conveying the point of compound growth
>> $400,000 after 3 years)
> 3. While a
> target savings approaches, hold monthly potlucks, learn cottage
> industry skills, and have fund raisers (sell off your consumer economy
> bobbles like the TV, Stereo, record/CD collections, etc).
> 4. If rhizome
> funds exceed debts, consider starting businesses that lead
> self-reliance, allow members to leave conventional jobs, or raise
> funds for the rhizome. Use the funds to support these ventures. The
> will be to take the urban dwellers disproportionately higher
> salary and
> siphon it from the global economy to secure a network of
> 5. A first
> major rhizome purchase will secure a food producing land base,
> if a
> CSA farm hasn't already become a part of the rhizome through
> partnership (buy out the farm in this case). While not recommended,
> the $10,000/mo contributions will support a $1M mortgage if you
> like we are really close to the edge of the cliff.
> 6. Work towards transitioning the urban
> dwellers $600/mo food budget
> into the
> rhizome economy.
> 7. As funds become available, secure homes/pay off member
> 8. Members never charge each other money/time from within the
> 9. Help other rhizomes form and work towards a rhizome
> 10. As the network matures, the labor pool will shrink. A defense
> plan will
> be needed for the network to prevent conscription by the
> global economy.
> The race is between a shrinking labor pool, fresh water
> supplies, energy
> productive capacity, natural disasters, and hierarchy
> just plain collapsing.
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