Solarize Portland

While talking with some clients yesterday I learned about the Solarize Portland project and thought I would pass it along on this blog.

Solarize Portland is a volunteer group of homeowner’s that have banded together and are working to spread access to residential solar powered electricity units around Portland.

While Tina and I were traveling in New Zealand & Australia earlier this year we were impressed with the penetration that home solar powered units had in those countries.  We wondered what the feasibility of solar power would be like in Portland.

According to their website these units seem like a fairly good investment based on all the tax incentives and credits one can qualify for right now.  Per their website-

Q: What does a solar electric system cost, roughly?
Let’s take a mid-range system, which would be just about perfect for a Portland Bungalow = 2.5 KW. Your house (or your budget) might warrant a smaller system, or it might warrant a larger system. A 2.5KW system is estimated to cost around $23,000 before incentives and tax credits. With incentives and tax credits, that cost should come down to about $4600. Remember, your solar installation can scale to meet your needs OR your budget (a smaller installation would cost you less and still be quite rewarding).

That same system will generate an energy savings of about 2500kw per year which should translate to about $250 savings per year (at today’s electricity rates). At today’s rates, these systems will pay for themselves in 12 years and if energy costs rise (if?) the time it takes for this system to pay for itself shortens. Meanwhile, you are generating clean energy for Portland and investing dollars in the green-technologies market. It is a long-term investment, for sure. But if the long view looks good to you, join us.

Here is a link to their website if you’re interested in learning more.

Worst recession since the depression?

Justin Lahart wrote this interesting piece in today’s online Wall Street Journal.  In the article he compares today’s recession with it’s post-war predecessors in terms of duration, wealth destruction, and job losses.  He argues that this is the worst we’ve seen since the depression.

Plus the article has a pretty cool illustration shown here:

Here’s a couple excerpts:

*Duration: “The nonprofit National Bureau of Economic Research, which determines when the U.S. economy slips into recession, says the (current) downturn began in December 2007, 19 months ago. That makes it longer than the wrenching, 16-month recessions of 1973-75 and 1981-82.

*Job Losses: “The unemployment rate is approaching the peak seen in the 1981-82 recession and the scope of job losses is the worst since the 1948-49 recession.

*Wealth Destruction: “But this recession has eaten away at Americans’ wealth like never before. Falling home prices have decreased the equity the U.S. households have in their homes — that is, the value of their homes minus what they owe on them — by $5.1 trillion, a 41% drop. They also have lost trillions of dollars in the stock market. No other episode of wealth destruction since the 1930s comes close.”

I don’t mean to depress anyone I just thought it was a good comparison.

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Less can mean more

One lesson my wife and I took from our 6-month trip is that we can lead a very happy existence without all our material possessions.  For 6 months we basically lived out of a backpack and shoulder bag. Coming back to our home we have realized just how much stuff we’ve accumulated over the years.  Although we haven’t pro-actively done away with our extra wears this article may provide inspiration.

I came across this article online and thought it was interesting.  Here are a couple excerpts:

*“Nearly half of consumers, 47%, say they already have what they need, up from 34% in November 2006, according to the 2009 MetLife Study of the American Dream.”- I thought this was interesting because in November 2006 consumers were more likely to have greater financial resources than they do today.

*“Eric Dykstra, pastor of Crossing Church in Elk River, Minn….began encouraging members to reduce their personal possessions to 100 items…”– wow, sounds like a very freeing experience.

*“Enrollment in “voluntary simplicity” courses promoted by the non-profit Northwest Earth Institute in Portland, Ore., is up 50% in the past year.”Here is a link to the NWEI website.

Signs of laughter

On this trip we’ve traveled through 8 different countries each with distinct cultures, customs, and means for communication.  Inevitably, we’ve encountered many signs that we thought were humorous so we thought we’d pass them along for your viewing pleasure.

Humurous sign found in elevator
Someone must of actually gotten pinned in the elevator by their recylcing bin for the Portuguese to make this warning sign
Apparently this dog snores
Apparently this dog snores
Seriously, this is a restaurant
Needless to say we skipped this restaurant in Stockholm
read sign closely, makes no sense
Read this closely, they "support child cancer"? That is sick
Waht?
Waht?
glad I don't live on this road
Butt Hole Road, Australia
Cougar Collection Clothing line
Target market for this clothing line? COUGARS!
This explains why we've almost been hit multiple times
This explains why we almost got hit multiple times while walking
Crocs
Only in Oz do you find crocodile warning signs
Horse Poo Anyone?
We couldn't help ourselves- we bought 3 bags
Stop, Hammer time
'nough said
crazy bastards
The Kea are clowns

Two weeks and counting….

It’s almost mid-June and we find ourselves in Noosa, Australia on the Sunshine Coast. The realization that we only have a few more days remaining on our 6-month journey weighs on our mind. Over the past couple weeks our time has become less about sight-seeing and more about personal time. To give you an idea, last week we were in tropical Port Douglas, Australia (aprox. 80 km’s north of Cairns) where we spent six of our seven days on the white-sandy beach in 85-degree weather drifting in and out of naps, our novels, conversation, and the warm water. “It was magic” as the Ausies like to say.

sunrise
Sunrise @ Port Douglas

What was also magic was our snorkeling trip of the Great Barrier Reef which we did on the other day. Nor Tina and I consider ourselves avid snorkelers but this is a natural wonder not to be missed. It was beyond description (on a side note, back in March I did a post about the Kauri tree’s in the Waipoua Forest, New Zealand. They are thought to be almost 4,000 years old and I asked if anyone knew of any other living organism on earth that could equal their age. We learned in talking with the on-board marine biologist that the Great Barrier Reef, which is both plant, mineral, and animal, is thought to be 6,000 years old. Not to be out done, the living reef in the Coral Sea is millions of years old.)

We snorkeled here, awesome
6,000 year old Great Barrier Reed

This week were are spending on the Sunshine Coast where we are going on walks, kayaking, and bike-riding. That may sound active but I assure you we’re taking it slow.

We are not sad to be returning home. Looking back over the past 6 months we feel extremely fortunate for the various experiences we’ve had. We’ve had the pleasure to explore many different places from urban-Stockholm, Sweden in the winter to seemingly untouched Tapotupotu Bay, New Zealand in summer. We’ve met many friendly people and now have a list of contacts from Insbrook, Austria to bear country, Alaska. We’ve paid witness to classical architecture in Venice, Italy as well as modern designs in Melbourne, Australia. We’ve viewed contemporary art in places like the Tate in London, England as well as the indigenous art of the Maori & Aboriginal people of NZ & Australia. We’ve tasted Tapas in Barcelona and “Fush & Chips” from the docks in Tauranga, New Zealand. There are many more memories that we’ll never forget.

tapas, beers and barcelona
Tapas in Ba"th"elona

But the trip has been valuable for reasons beyond new experiences. Taken out of our normal daily lives and placed into new environments Tina and I have had the unique opportunity to reflect on ourselves as well as each other. In our relationship we’ve discovered more about what is important to each other which will help us become better companions later on. Personally, I’ve had much time to reflect on how I’d like to lead my life and what I can do to take it towards this vision. In this regard the trip has been a blessing.

So although we will miss the thrill of a discovering a new place upon our return to our daily lives we do so with these personal discoveries which is invaluable. In addition, we’re very excited to re-unite with our loved-ones and move back into our own home where we can trade our backpacks for dressers and unfamiliar accommodation for our own bed (where we can dream up our next adventure).

Beginning on Thursday night we’ll be back in sight-seeing mode when we get to Sydney. We’ve heard it’s a beautiful city and look forward to exploring what it has to offer. We’re back in Portland on June 24th and look forward to catching up soon!

Don’t ditch the blog yet, there will be some more posts to come.

Down the Great Road to Adelaide

After spending a week in Melbourne we were off on the road again, this time South and West along the Great Ocean Road, one of the great scenic drives in Australia. Our final destination was Adelaide. We were off mid morning in our white tin box car big enough for two and our packs. By afternoon we made it to our first stop at Apollo Bay, a small a village. We found a great YHA backpacker that was eco friendly outfitted with rain water collection, a worm farm to help with composting efforts, and a complete green construction. Very cool.

Despite the rainy cold weather on day two of our drive we were able to see the 12 Apostles, beautiful rock formations along the coast, awesome views and luckily a “mob” (the OZ term for a herd or pack) of Kangaroos along the roadside. We were able to stop and even managed to get a bit of video of the curious animals. Further along the road we arrived in Port Ferry another charming coastal village. We stayed in an old fishing cottage from the early 1900’s that had been completely restored to the Victorian age with beautiful ornamental details.

We had a refreshing run along the coast the next morning just in time for the sunrise and some the most beautiful light we have seen since arriving in OZ. Then we were off to Robe. We arrived in time for a walk along the beach, a beer and a chance to catch a beautiful sunset. We warmed our selves by a fire by night and I beat Evan in “Spite and Malice” once again. (Although he claims this statement is not true, I assure you that I have in fact beat him more than he might think.)

We made our way along the final day of our journey on the longest straight road we have seen since leaving the US. It was beauty in a different sense. Sometimes I began to wonder if we would pass a car along the way or were we the only ones out there. Another insight into the enormity of OZ.

We have spent the last week in Adelaide. We toured the Adelaide hills and visited a German town in called Handorf where we feasted on sausages and sauerkraut. We had several morning runs along the Adelaide waterfront with the white parrots yapping in our ears. We visited the South Australian Museum and learned of Sir Douglas Mawson the well known Australian geologist and explorer and saw the most amazing rock and mineral collection. (Virginia would have thought she had died and gone to heaven.) AND….I entered a new decade and turned the big 30. Evan of course made it very special with a stay in an old Victorian home called the Buxton Mannor built in the early 1900’s (later I gave him a hard time that he was already trying to get me into a nursing home). He handmade for me a very sweet card, cooked me breakfast, took me out for lunch and arranged for a message. It was a great day…the only thing missing was family and friends.

Our journey takes us north today to Port Douglas which is along the Great Barrier Reef, where hopefully we will sun ourselves and not get eaten by a shark.

***Pictures to come when we can get a good internet connection***

Gladwell’s “Blink: The Power of Thinking Without Thinking”

After recently reading “Outliers”, Malcolm Gladwell’s latest book, I was inspired to read “Blink” which was the remaining of his I hadn’t yet read.

I really like Gladwell for two reasons.  First, the subject matter he writes about is both relevant and interesting.  The stuff he covers is right under our nose all day everyday but we don’t take the time to study it.  Second, his style of writing is easy to read.  Although he is teaching the reader a lesson its as if he’s writing a story  rather than academic thesis.

In this book Gladwell explores the role that our unconscious mind plays in how we think, choose, judge, contemplate, and act.  The book goes into great detail exploring how our initial impressions are shaped by our unconscious associations and how these “snap judgments” can lead us to make both poor and positive decisions.

He ascribes the term “thin-slicing” to our unconscious minds ability, “to find patterns in situations and behaviors based on very narrow slices of experience.”  For example, have you ever observed a person’s mannerisms from afar for only a brief period and made a judgment on what kind of person they are?  That is “thin-slicing”.   But how can our mind be so quick to pass judgment on such subjects?

As Gladwell says on page 69, “We have, as human beings, a storytelling problem.  We’re a bit too quick to come up with explanations for things we don’t really have an explanation for.”  For the next few chapters Gladwell looks into how our unconscious mind can be altered which in turn alters how we appraise a person or situation.

In the second chapter he references a couple experiments that demonstrate how a person’s mind-state will impact their future judgment.  For example, two groups of similar people were given trivia questions.  Prior to the experiment one group was told to think about being a college professor while another group was told to concentrate on soccer hooligans.  As you could probably guess the group that thought about college professors outperformed the other group.  Gladwell explains that this mental preparation essentially stimulates the unconscious mind into making future decisions in line with your environment.

In the following chapter he covers physical associations and how they can impact a persons judgment.  On page 76 he writes, “I think that there are facts about people’s appearance- their size or shape or color or sex- that can trigger a very similar set of powerful associations.”  Although few people in our “PC” world care to admit that physical stereotypes play a role in their judgment I think it is safe to say that they are very real.  Gladwell concurs on page 85, “The disturbing thing…is that..our unconscious attitudes may be utterly incompatible with our stated conscious values.”  Don’t think this sentence applies to you?  Test yourself @ www.implicit.harvard.edu.

At the end of the day Gladwell shows that there are a myriad of things that impact our unconscious mind and in turn impact our initial impressions regarding a situation.  It’s important that as humans we understand that.  When making important decisions we should not only weigh the information that we have available to us but we should also weigh the environmental factors which may also be altering our interpretation of that information.

Furthermore, whenever possible, we should look for ways to minimize the environmental impact of our minds so that we can make more organic decisions.  Of course, this is easier said than done.

Here are some additional notes:

*Importance of support in a healthy relationship- In one of the experiments Gladwell references regarding healthy & unhealthy relationships the psychologist points out that “support” in conversation is crucial to determining whether or not a relationship will work out in the long-run.

*Treat others well: In another study that Gladwell references doctors who treated their patients well were much less likely to be sued for malpractice than doctors who were either unfriendly towards their patients or who displayed superiority.  Lesson: Treat people well and they’ll be more forgiving of your mistakes.

*Lesson for salespeople: Starting on page 88 Gladwell introduces us to Bob Golomb who is a car sales manager in Flemington, New Jersey.  He has been hugely successful throughout his career and he credits his success to one principle- “never to judge anyone on the basis of his or her appearance.  He assumes that everyone who walks in the door has the exact same chance of buying a car.”  In thinking about this I feel as though I am pretty good about not letting my “thin-slices” impact the effort I put forth in helping people in my business.  I think I can thank my mom for that.  She is a very warm and welcoming person no matter what the appearance of a person.  I grew up under her tutelage and I have her to thank.

*In the fourth chapter one of the topics covered is quantity of information.  Sometimes too much information and paralyze your ability to make decisions.  Especially when the decision is one that is typically made in a “blink”.  The example he gives is with buying jam.  A retail store tested jam sales by offering a table with 24 options one time and 6 in another.  Although conventional wisdom would tell us that a consumer with more choice would be more apt to buy, in this instance it was not the case.  When presented with less information the consumer bought more often.  Kind of like blog posts.  When I write too much people are less apt to read the post :).

*Describing an ‘expert’ on page 179: “The first impressions of experts are different (from non-experts)…  When we become an expert in something, our tastes grow more esoteric and complex…  it is really only experts who are able to reliably account for their reactions.”  In other words, when an expert is experiencing in their field of expertise they are conscious of of their unconscious associations.  They can explain why they do or don’t like something with conviction.  In Gladwell’s words on page 183: “Our unconscious reactions come out of a locked room, and we can’t look inside that room.  But with experience we become expert at using our behavior and our training to interpret- and decode- what lies behind our snap judgments and first impressions.

*Facial expressions- On page 199 Gladwell points out that facial expressions which express our thoughts, feelings, etc. are common amongst humans across cultures.

*Where a smile on your face: From page 208- “…we take it as a given that first we experience an emotion, and then we may- or may not- express the emotion on our face.  We think of the face as the residue of emotion.  What this research showed though, is that the process works in the opposite direction as well.  Emotion can also start on the face.

*Where we get information: Most of the subconscious information we get to interpret information is from the emotion they display on their face.  Research shows that a person can practice reading faces and become more effective in picking up others emotions/ motivations.

*On page 214 Gladwell provides a very good explanation of what an autistic person experiences.  I don’t know much about autism and found his description very interesting.  Autistic people, “have difficulty interpreting nonverbal cues, such as gestures and facial expressions or putting themselves inside someone elses head or drawing an understanding from anything other than the literal meaning of words.

*In chapter 6 on one the topics covered is the impact stressful situations have on our ability to interpret information.  Essentially, when our heart rate increases under the stress of a difficult situation we do not consciously interpret information.  We react based on what our unconscious mind believes we should do.  However, it is possible to train under high stress situations to improve our decision making capabilities.

Things I will follow up on after reading this book:
-Look for programs to help me improve my ability to read the emotions of others by studying facial expressions.

Kent’s “Healthy Money Healthy Planet: Developing sustainability through new money systems”

While strolling through one of the best second-hand book stores in NZ (Title Book Galleries) I ran across this title from Deirdre Kent, an unknown writer from NZ.  Being that I have an interest in economics as well as sustainability I thought it would be a good one for me to read.

Kent’s premise is that the problems that exist in the global economy (i.e. climate change, depletion of natural resources, income inequality) stem from fractional reserve banking (FRB) systems and interest-bearing debt.  Here is a summary found on page 213:

“…the unhealthy interest-based money system we currently have demands that the money supply keeps growing, and at an exponential rate.  It is therefore clear that interest-charged money is inherently inflationary.”

Or, in this simple example found on page 20:

“Suppose a bank lends out $100 to each of 10 families at 10 per cent interest.  To repay the loan, families are required to grow crops and produce goods to sell.  At the end of the year, each family is expected to pay back their principal of $100, together with $10 interest, a total of $110….There is now $1,000 in circulation, but the system requires $1,100 to be paid back at the end of the year to the bank, hence there is an inescapable shortfall….”

To solve the world’s problems Kent calls for radical monetary changes by drawing on ideas from older economists such as Henry George & Silvio Gesell.  Namely, Kent would like to see local complimentary currencies exist along with national currencies.  In addition, she’d like to see local community banking and interest-free loans (its not yet clear how private banks would make money).  Lastly, she would assign a “hoarding charge” to those people who didn’t spend their currency within a certain timeframe.  The goal of this last initiative is to increase the velocity of money.  Somehow though she would not assign this charge to savings deposits.  But then would that really increase the velocity of money?

Although I did find Kent’s identification of issues in the existing FRB system intriguing, I felt the solutions she proposes in the book lack detail as well as sound economic thinking.

Here are my notes:

*Economics is for everyone- “Economics is for everyone.  We can’t avoid it, as it permeates every field of our lives- work, food, clothing, mortgages, jobs, business, budgets, family, education, investments, wages, savings, housing, and of course, shopping.  Since the discipline involves making value judgments about what is worthwhile and what constitutes progress, it is far too important to be left solely to economists…”

*Power of compound interest: “…if a single penny had been invested at the birth of christ, at a 5 per cent interest rate, it would buy 134 billion balls of gold equal to the weight of the earth at modern gold prices.”

*On page 71-72 Kent outlines 6 reasons why GDP is a poor indicator of economic progress.  Here is an example: “Being pregnant, chasing toddlers and breastfeeding do not add to the GDP, but looking after other people’s children in a daycare centre does.” or on page 81: “…when fish are left in the sea to replenish stocks, they are not considered a monetary “asset” to the economy; only when they are sold in the markets…”

*Islamic finance: “… is based on the belief that the provider of capital and the user of capital should share the risk of business ventures equally, whether these are industries, farms, service companies or simple trade deals.  Translated into banking terms, this means that the depositor, the bank and the borrower should all share the risks and the rewards of financing business ventures.”

*Local complimentary currencies- Kent does provide a nice summary of complimentary currencies that were recently or are currently in use on pages 128-153 and again on 292-294.  There include Salt Spring Island certificates, Ithaca HOURS, and LETS.  This is interesting stuff.

*Looking at nature to solve economic problems- “…in nature species adapt by conserving what is working and altering what is not; they don’t just suddenly change.”

*High profits=low service- Kent references a study done in the 1990s in NZ which showed that there was an inverse correlation between a banks profits and the level of its customer service.  Does the same hold true in the US?  I wonder.

*Things I’ll research further after reading this book:
a) how money is created under a FRB system
b) alternative measures of economic progress such as the Genuine Progress Indicator (GPI by Redefining progress) or Human Development Index (HDI by the UN)
c) ITEX, a commercial trade barter system, which was originally started in Portland in 1982.
d) Silvio Gesell

Old & New in Melbourne

I don’t pretend to know much about architecture nor have I ever paid much attention to the various styles. However, walking through Melbourne for a week one cannot help but notice the coexistence of classic and modern styles.

It’s almost as if the city went on a rapid building binge from its early days up until the 1920s then stopped before picking up again in the 1990s. Throughout the central business district as well as outlying residential neighborhoods classical styles of architecture exist next to structures with modern designs. Here are some photos of some the examples we saw:

MelborneMuseum
The awning of the modern Melb. Museum w/ Royal Exhibition in background
OldNewMelbourne
The old post office has been added on with a modern wing and is now a shopping mall
FedSqFlindersStat
On left is the modern Ian Potter center next to the classic old train station
CoolFacade
They litteraly built a modern addition on top of this classic older building
Contrast
Classic brick on the left next to modern glass at the QV