A Just Society

I have been doing a lot of reading and thinking on the subject of a just society. The Occupy movement is in essence about trying to attain a just society. Right now, there is a major disconnect between those running the government and those that are being governed. The government is favoring the rich and the corporations at the expense of the poor and middle class. It is wrong for some members of society to be earning amounts of money that border on the obscene, while there are others that don’t have even the basic necessities of life.  Even some of the rich, such as Warren Buffet have come to realize this and have asked the government to increase their taxes.  They are not doing this to be altruistic, but because they realize that if conditions get sufficiently bad, the poor will eventually have nothing to lose and rise up against the ruling class.   This has happened before and has resulted in revolutions such as the French and Russian revolutions.

There needs to be a redistribution of wealth, so that all members of society have at least enough food to eat and a roof over their heads.  It doesn’t have to be fancy, but it has to be sufficient.  The government of the day has been doing their best to remove all the supports for the poor and move that money to the rich, who already have way more than is needed.  Before the tax reforms in the 1980’s in the US, the rich were paying up to a 90% tax on some of their income, and this money was used to run the social programs.  This was a time of the greatest standard of living for all people living in the developed world.  Once the tax cuts for the rich started to take place in the US, other countries followed suit, in order to remain competitive (and also because they saw that the middle class didn’t make that much of a fuss).  The real wages in the middle class have been falling ever since.   What is needed is a return to those levels of taxation, so that the poor and the middle class can make headway and improve their standard of living.  A simple solution would be to have a guaranteed minimum income, which would be sufficient to provide food, housing and basic necessities (cable is not a necessity!).  By eliminating poverty, there would also be a corresponding drop in crime, since much crime is a direct result of the poor not being able to supply their needs through their income.  Poverty also often leads to drug abuse, since drugs are used as a way to escape the difficulties that face people in their lives.

If everyone had enough to get by on, they would be able to spend more of their time to improve their lives and as a result the whole of society would be improved.

 

Building Your Own House

Building a house is not all that difficult. I know, I did it. And I don’t mean that I hired a bunch of trades and wrote a bunch of cheques, I mean I swung a hammer and did most of the work myself. I did hire trades for some thing that I didn’t want to take a chance on, like plumbing under the concrete floor, and installing the steep pitch steel roof. Before building my house, I didn’t have any significant building experience (I built some shelves, a planter and a shed), but I did do a lot of reading.

Why would I want to build my own house. Mostly for economics, but also because it is something that I had always wanted to do. As for the economic side of things, by doing most of the work myself, I figure I saved about $100,000 and remember that is after tax dollars. The main construction took about 8 months, during which I did not do any outside work. At that point we had a building that we could move into. We took another 5 years to get it finished while I did other work to earn a living.

To finance the project, we took the savings that I had, plus the appreciation from the house we had before we started, giving us a starting budget of approximately $100,000. We had bought the land (40 ac) a couple of years previously (also from savings). After moving in, I found a new job (that didn’t pay much) and used that income to finish the house. So by saving beforehand, having a bit of luck in the real estate market, and being able to live in a construction zone for 5 years, we were able to build mortgage free.

If you are interested in building your own house, I would suggest that you get a subscription to Fine Homebuilding Magazine for at least a year, or get back issues, or borrow them from a library and do some reading. It won’t make you a great builder, but it will give a good idea of what good building looks like. Another resource that I found invaluable was the Ontario Building Code Manual. If I needed to see what was required by code, all I had to do was look it up.

The most important part I found was to have a house design that was fairly straight forward and simple to build. No turrets or bump outs. Just a simple 2 story box. We did make some complications by building into the side of a hill, but they were not insurmountable. I did my own design work, because I had a pretty good idea what I wanted, but if you don’t feel up to that challenge, pick a plan that is simple. Simple designs do not go out of style, are cheaper to build, and are easier for inexperienced builders.

There is a certain satisfaction in having done the work yourself, and you have the advantage of knowing where every pipe and wire is located. I would suggest taking a lot of pictures during the process, so that you can document were everything is located, and it is also fun to show off to visitors once you are finished.

I documented the process in a photo diary that can be seen at www.ownerbuilder.ca