During the process of discovery, regarding suitability of a site for your new, personal, sustainable and affordable house project, one must adhere to a few simple rules. In a previous post, "Zoning Comes First", it was described how the municipality regulates the fabric of the built environment. Once it has been established that residential construction is allowed, and hopefully encouraged, for a particular site, the next step is to evaluate how waste water will be managed.
Typically, urban communities process waste water as part of their infrastructure, so if you are choosing to build in such a locale, you will not need a private septic system. On the other hand, waste water management is one of the most critical issues when we occupy a parcel in a more rural, natural environment. It is also the most highly regulated. This is potentially the most limiting aspect when it comes to available building sites, based on their suitability for inhabitation.
Considering we must be in stewardship of our planet, and despite common cultural paradigms, we don't truly possess our property. It is borrowed and should be relinquished as it was found, in balance. The ability for human occupation to be in harmony with nature, relates directly to the earth's local ability to "ingest" or "process" our waste, specifically our fecal matter.
In most town offices there is a map which illustrates documented geographical conditions, including soil types. Understanding what is expected to be found below the surface of a prospective site, can be very helpful in determining whether or not to pursue further investigation. If there is a high water table, there may be a high organic content in the soil. This suggests a poor ability for the land to filter and absorb waste matter because it is likely to be washed into the watershed, resulting in pollution. If the soils are more granular they have a greater ability to filter and absorb human waste water.
The construction of residential septic systems constitute a considerable cost of the site work for a new home. If the local soil conditions are not conducive to a "traditional" system, alternative systems can work, but may be costly. Depending on one's individual fiscal resources for construction, the type of septic system required for legal occupation can be a significant factor in determining the suitability of a parcel.
Regardless of what the town maps describe in a particular area, it is advisable to conduct a soil analysis by a registered engineer, prior to making a commitment to any parcel. This involves digging test pits, usually with a backhoe, with the engineer present, so they may document the soil types at incremental depths. The holes should be filled back in immediately for safety reasons. At our current project in Jericho, Vermont, the cost for this work was $1,000. Any landowner wishing to sell you a parcel, should allow you to conduct this work prior to you making an offer. It is essential that you have a certified understanding of your soils if your project involves a private septic system.
Thursday, December 31, 2009
Wednesday, December 30, 2009
Current Design Technology
The model in the video starts with a design done in SketchUp, Google's free modelling software. In addition to access to a myriad of accurate architectural components in the 3D Warehouse, another beautiful thing about SketchUp, is that one can upload virtual models to Google Earth for placement in a simulated, globally accessible environment. This will allow users, ie, home developers and owners, to view how their project will appear in context. Once uploaded the virtual models can be explored by anyone.
By using this process, we plan to share our small, sustainable home building experience with whomever chooses to follow this blog. Stay tuned...this promises to continue being a blast!
Wednesday, December 23, 2009
Zoning Comes First
From a designer's point of view, I would have to say it's not practical to design a home (in detail) until you know where it will be. It's important that the built environment respond directly to the energy of the site on a multitude of levels which I'll refrain from getting into at this point. Suffice it to say, solar, topo, access, views, and a mind blowing array of other considerations are huge influences for final decisions. In a nutshell, picking a site comes before the design of a home and understanding what issues you'll need to deal with comes before that.
This post is about getting an initial regulatory issue on the table, zoning. In an upcoming post, I'll write about the next biggy, waste water management. But first and foremost, a prospective homeowner must understand zoning. These are the municipal rules that govern what you and your neighbor can or cannot do on your property. Of course there are very attractive and desirable properties outside the reach of regulation, but in consideration of housing for the masses, a sustainable reality is that the domiciles we are focussed on will be closer in.
Zoning describes, and more importantly prescribes, the nature of the built environment in an area, a zone, within a municipality. Rural Agricultural, Industrial, Commercial and Village Center are a few of the common types of zones.
New home building may only occur in a zone which allows residential construction. Rules about the minimum size of a lot, the maximum height of the building, and the nature of activities which may be conducted there, will protect or inhibit occupants of that zone from activities which may be adverse to the "prescribed" character of the area.
Due to increasing awareness of the value of planning, infrastructures are organized to respond to programmed densities of use in different zones. Recently, with a focus on environmental conservation and with the goal of getting more bang for the buck from infrastructure, residential densities are being increased across the country. In the initial project example that this blog was built to follow, (132VTRT15) the zoning changed from a one acre minimum lot size to 1/4 acre for single family residences. In Vermont all residences may have a home occupation use with in them and are eligible for accessory apartments as well. (See an earlier post for a definition)
Some people may wince at the prospects of having purchased a property in a neighborhood that could now potentially have four times the number of people in it, but for others, it's better than continuing to chop up the countryside into lots that are only affordable to those comfortable driving Hummers to work 20 miles away.
My parents live on such a small, "village center" lot. They now have the opportunity to build a smaller cottage, (in the back yard), and an accessory apartment for a care giver. This will allow them to enjoy their home for many more years than if they were forced to sell and move, more than likely for their last time, and quite possibly to a facility which would offer assisted living. They're not ready for that and may never be.
The zoning change in density does a lot for my folks and the community, as well as for the planet at large. It will allow for a greater diversity of housing stock within the community. It will reduce consumption by reducing commuter miles, and it will offer an opportunity to create new, tighter neighborhoods, which will encourage the occupancy of smaller homes and shared amenities. This a move toward sustainability.
I can't describe how enthused I am to be witness to these changes. They are and/or should be happening all over. Check in with your local zoning. You may have opportunities you didn't have just a few short years ago, right in your own back yard.
This post is about getting an initial regulatory issue on the table, zoning. In an upcoming post, I'll write about the next biggy, waste water management. But first and foremost, a prospective homeowner must understand zoning. These are the municipal rules that govern what you and your neighbor can or cannot do on your property. Of course there are very attractive and desirable properties outside the reach of regulation, but in consideration of housing for the masses, a sustainable reality is that the domiciles we are focussed on will be closer in.
Zoning describes, and more importantly prescribes, the nature of the built environment in an area, a zone, within a municipality. Rural Agricultural, Industrial, Commercial and Village Center are a few of the common types of zones.
New home building may only occur in a zone which allows residential construction. Rules about the minimum size of a lot, the maximum height of the building, and the nature of activities which may be conducted there, will protect or inhibit occupants of that zone from activities which may be adverse to the "prescribed" character of the area.
Due to increasing awareness of the value of planning, infrastructures are organized to respond to programmed densities of use in different zones. Recently, with a focus on environmental conservation and with the goal of getting more bang for the buck from infrastructure, residential densities are being increased across the country. In the initial project example that this blog was built to follow, (132VTRT15) the zoning changed from a one acre minimum lot size to 1/4 acre for single family residences. In Vermont all residences may have a home occupation use with in them and are eligible for accessory apartments as well. (See an earlier post for a definition)
Some people may wince at the prospects of having purchased a property in a neighborhood that could now potentially have four times the number of people in it, but for others, it's better than continuing to chop up the countryside into lots that are only affordable to those comfortable driving Hummers to work 20 miles away.
My parents live on such a small, "village center" lot. They now have the opportunity to build a smaller cottage, (in the back yard), and an accessory apartment for a care giver. This will allow them to enjoy their home for many more years than if they were forced to sell and move, more than likely for their last time, and quite possibly to a facility which would offer assisted living. They're not ready for that and may never be.
The zoning change in density does a lot for my folks and the community, as well as for the planet at large. It will allow for a greater diversity of housing stock within the community. It will reduce consumption by reducing commuter miles, and it will offer an opportunity to create new, tighter neighborhoods, which will encourage the occupancy of smaller homes and shared amenities. This a move toward sustainability.
I can't describe how enthused I am to be witness to these changes. They are and/or should be happening all over. Check in with your local zoning. You may have opportunities you didn't have just a few short years ago, right in your own back yard.
Monday, December 21, 2009
Friday, December 18, 2009
Thursday, December 17, 2009
Miner with a Heart of Gold
Okay, call me crazy, I'm squeezing through this portal like so many others of you out there, sometimes I don't even know what I'm doing......I got slammed with LinkedIn connections today, maybe that's a sign....I upset my employer by suggesting maybe I should be laid off...I got this insane notion that I should offer services FREE...I am so psyched (read psychotic?) about the possibilities for people to enjoy personal, sustainable and affordable houses that it's not even about the money anymore...
Yeah, yeah, yeah I know, money was once a huge aspect of my deal, but I hit the wall...I said "Wait a minute" (or a year, or two or three, maybe forever), "this ain't working. I love what I'm doing but I'm all stressed out. What's up with that?"
So I gave it a breather, I let my intuition take over. I took a little break. I'm learning to listen to the universe.....It's calling me.... "you know you want to do this" she whispers...and Tim Durling keeps popping up in Facebook saying, "let the strain be gone"....."How can I just do what I want to do?" I wonder.....
I'd love to just sit back and sketch up my little designs for whoever wants them...sure just email me, tell me what you want, what you think you need, and I'll let you know. I could do this for ten clients, maybe more, maybe fewer, (my folks are first in line though, so you could just follow this blog) NO CHARGE.... approximately 20 hours each design..... if you want more time later you could pay me.... maybe a lot...(because I'll be really busy, LOL)..... maybe not so much because I've got my day job (and that almost pays the bills)... I dunno.... BUT.... you'd have to be real... you'd have to be aligned with a strong probability that you were gonna build it....it'd have to be done by MY SYSTEM.. .SoHo2go arKITecture..... if I'm gonna give it away... it'll have to be the way I do it.... you'll see, I've got some pics of my work that I'll get up, maybe even tonight.... your plans to build have to be real, (you'll need a site and a budget) and modest too, less than 1,111 square feet of foot print, that would be no more than 69 4'x4'squares. That's right, it'll be done on a 4'x4' grid.... you can choose traditional or contemporary styling, but the construction techniques will be how I do it.... tried and true (financable) but highly systematized for efficiency of material, readily available, environmentally sound, and easy to assemble. Maybe even by you and your husband... (and some friends?)That's where I come in again.... you get your materials all priced out using my online forms, get a Skype account and we'll have a video conference every construction day if you want... Piece of cake...especially after I've posted video tutorials on how to put the KITs together...WoW won't that be fun....Virtual arKITech...that's what I wanna be when I grow up....in the meantime, Want a free small house design? Just get a gmail account and follow me.....WTYL (write to you later)
Accessory Apartment, Affordable Housing Defined
Town of Jericho, Vermont
Land Use & Development Regulations
Adopted August 6, 2009
Effective August 27, 2009
1. DEFINITIONS
CHAPTER 117: 24 VSA, Chapter 117, the Vermont Municipal and Regional Planning and Development Act as most recently amended.
ACCESSORY APPARTMENT:
A second dwelling unit which (a) contains up to three rooms (excluding the bathroom), one of which may be a bedroom, (b) is located on the property the principal use of which is a single family dwelling or farm, and (c) has a floor area not exceeding 30% of the principal dwelling, or 400 square feet, whichever is greater.
ACCESSORY STRUCTURE or ACCESSORY USE:
A use or structure which is incidental and subordinate in size and overall appearance (except for barns) to the main use or building, and which is located on the same lot, or which is incidental and subordinate to the use of the land. Examples: pools, man-made ponds, storage sheds, barns, and satellite dishes.
ACRE: A self-contained and contiguous parcel of land containing 43,560 square feet.
AFFORDABLE HOUSING: Housing that is either
(a) owned by inhabitants whose gross annual household income does not exceed 100 percent of area median income, as defined by the United States Department of Housing and Urban Development, where the total annual cost of the housing, including principal interest, property taxes, insurance, and condominium association fees is not more than thirty (30) percent of the households gross annual income; or
(b) housing that is rented by inhabitants whose gross annual household income does not exceed 100 percent of area median income as defined by the United States Department of Housing and Urban Development where the total annual cost of the housing, including rent and utilities such as heat, electricity, water, garbage collection/disposal, and lights, is not more than thirty (30) percent of the households gross annual income. Affordable housing units shall be subject to covenants or restrictions that preserve the above affordability requirements defined above perpetually (for a minimum period of 99 years from the date of first sale or lease).
AFFORDABLE HOUSING DEVELOPMENT: A housing development in which at least 20% of the units are AFFORDABLE HOUSING units.
Land Use & Development Regulations
Adopted August 6, 2009
Effective August 27, 2009
1. DEFINITIONS
CHAPTER 117: 24 VSA, Chapter 117, the Vermont Municipal and Regional Planning and Development Act as most recently amended.
ACCESSORY APPARTMENT:
A second dwelling unit which (a) contains up to three rooms (excluding the bathroom), one of which may be a bedroom, (b) is located on the property the principal use of which is a single family dwelling or farm, and (c) has a floor area not exceeding 30% of the principal dwelling, or 400 square feet, whichever is greater.
ACCESSORY STRUCTURE or ACCESSORY USE:
A use or structure which is incidental and subordinate in size and overall appearance (except for barns) to the main use or building, and which is located on the same lot, or which is incidental and subordinate to the use of the land. Examples: pools, man-made ponds, storage sheds, barns, and satellite dishes.
ACRE: A self-contained and contiguous parcel of land containing 43,560 square feet.
AFFORDABLE HOUSING: Housing that is either
(a) owned by inhabitants whose gross annual household income does not exceed 100 percent of area median income, as defined by the United States Department of Housing and Urban Development, where the total annual cost of the housing, including principal interest, property taxes, insurance, and condominium association fees is not more than thirty (30) percent of the households gross annual income; or
(b) housing that is rented by inhabitants whose gross annual household income does not exceed 100 percent of area median income as defined by the United States Department of Housing and Urban Development where the total annual cost of the housing, including rent and utilities such as heat, electricity, water, garbage collection/disposal, and lights, is not more than thirty (30) percent of the households gross annual income. Affordable housing units shall be subject to covenants or restrictions that preserve the above affordability requirements defined above perpetually (for a minimum period of 99 years from the date of first sale or lease).
AFFORDABLE HOUSING DEVELOPMENT: A housing development in which at least 20% of the units are AFFORDABLE HOUSING units.
Wednesday, December 16, 2009
We Share Our Home
In order to reduce our carbon footprint and make the house we love more affordable, we created a one bedroom "Accessory Apartment" in the front 30% of our 28' x 42' cape style home. We rent it to someone who loves our planet just like we do, maybe even more, he drives a veggie oil powered bus...(not shown, LOL) Love you Buddy!
The Premise of arKITecture
The manufactured house has achieved acceptance over the past several years for many reasons. The quality and availability of "industrialized" products has grown, and the quality and availability of skilled labor has shrunk. Because fewer and fewer people have the hands-on knowledge (and heartfelt passion) required to build a home, labor costs have skyrocketed, a simple outfall of supply and demand.
There was a time not so long ago when all villagers participated in the construction of each others' homes. Contributed labor was the price people paid to be in community. Not anymore. In this day and age, the cost of traditional craftsmanship to assemble a well built home is nearly on par with the cost of the materials, if you can even find and schedule those trades people at all. In this "hurry up and get it done now" world, time frames for delivery have also shrunk. Scheduling traditional construction for "small" projects has become a crap shoot. The variables of building outdoors add further, and potentially unbearable costs to building houses, one at a time on site. If your site is not in a development among many other homes, the odds against building efficiently rise dramatically.
Manufactured houses leverage industrial advantages practiced by Henry Ford, which increase quality, through control and efficiency, and reduce costs through volume and predictability. There are many attributes to manufactured housing that support the concept and as stated earlier, the masses have accepted them.
There is also a huge downside which I think most people (can you say CAPITALIST?) write off as a hopeless reality, that the manufacturer is in control. Sure, people get to choose from many options for their brand new manufactured house, but in my view, (and I trust, that of many others,) the assembly-line-produced-house lacks the essential elements that the neighbor-constructed home of yesteryear inherently held. Those of the HOME SPIRIT.
My dream, and the premise of arKITecture is to share a way which utilizes the advantages of manufacturing, deals with the realities of today and competes in this real world economy, so that what we propose is accessible to the common person. Let's turn the tide back to what makes the difference between a house and a home. I am confident we can do it!
I've been living this dream all of my life....and now, as surely as I'm blogging, the time is ripe to manifest my yearning. I hold many keys and as I've suggested, the paradigms are shifting, opportunities are knocking and as clearly as I see the world around me turning, it is time to shake and move.....I hope you will join me, so we can support each other on this journey....
With infinite love and gratitude.....
Kent
There was a time not so long ago when all villagers participated in the construction of each others' homes. Contributed labor was the price people paid to be in community. Not anymore. In this day and age, the cost of traditional craftsmanship to assemble a well built home is nearly on par with the cost of the materials, if you can even find and schedule those trades people at all. In this "hurry up and get it done now" world, time frames for delivery have also shrunk. Scheduling traditional construction for "small" projects has become a crap shoot. The variables of building outdoors add further, and potentially unbearable costs to building houses, one at a time on site. If your site is not in a development among many other homes, the odds against building efficiently rise dramatically.
Manufactured houses leverage industrial advantages practiced by Henry Ford, which increase quality, through control and efficiency, and reduce costs through volume and predictability. There are many attributes to manufactured housing that support the concept and as stated earlier, the masses have accepted them.
There is also a huge downside which I think most people (can you say CAPITALIST?) write off as a hopeless reality, that the manufacturer is in control. Sure, people get to choose from many options for their brand new manufactured house, but in my view, (and I trust, that of many others,) the assembly-line-produced-house lacks the essential elements that the neighbor-constructed home of yesteryear inherently held. Those of the HOME SPIRIT.
My dream, and the premise of arKITecture is to share a way which utilizes the advantages of manufacturing, deals with the realities of today and competes in this real world economy, so that what we propose is accessible to the common person. Let's turn the tide back to what makes the difference between a house and a home. I am confident we can do it!
I've been living this dream all of my life....and now, as surely as I'm blogging, the time is ripe to manifest my yearning. I hold many keys and as I've suggested, the paradigms are shifting, opportunities are knocking and as clearly as I see the world around me turning, it is time to shake and move.....I hope you will join me, so we can support each other on this journey....
With infinite love and gratitude.....
Kent
Tuesday, December 15, 2009
Porch Portrait
I'm on the porch of one of our prefabricated small house models, "Farmhouse September" constructed for The Burlington Community Land Trust in Jericho, VT 2005. I'll post some more pictures after I dig them up..
Monday, December 14, 2009
Rules of Engagement
Good evening readers,
It's great to be back, however daunting the task might seem. I've had my tea and ice cream and commented to Risa how reluctant I feel to pick up the lap top instead of "The Mummy" by Anne Rice.
"Yes", I said, "The vacation is over," More on that later? We'll see....
If you happen to click on "The Affordable House" link in the header, you'll note a significant gap in my posting. Someday I'll fill you in on some events and history between then and now and perhaps even back further into my life. Back to a time when my brother and I tore down the family garage and built the best treehouse in town, or better still, the infamous "Cabin", in the most remote corner of "Quaker Lane Farm". But that will have to wait, because for now I want to share some basic themes, so that over the next while you can have an understanding of where we are now and why this is when I've decided to end "the vacation."
The first theme I am thinking would be apropo is "How Shifting Paradigms Create Opportunities in Housing." Following that I anticipate sharing a bit of academia, such as "What's up with Zoning?" and "What Happens When Shit Flows Downhill," or Why Does Wastewater Management mean "You can't live here"? Stuff like that.....but first I feel like I need to establish what my playing field looks like......
The beauty of blogging is that it's personal. It can be journalistic or just meandering as thoughts come and go. As one should surmise from the welcoming phases, this one is laden with intent. I've long held and distributed energy regarding special personal spaces and feel it's somewhat obligatory to offer my perspective and experience to a broader audience. I hope I can convey my passion and share my expertise in a fun and humble way because I certainly don't pretend to know more than I do. By the same token I am confident that I am an expert. Despite the disclaimers that follow, I hope to eventually earn your trust so that we can share this media-oric wonder with a clear understanding of our roles. I write stuff and you comment.
As for the afore-promised disclaimers, my expertise is in the creation of personal spaces, not blogging. I have limited formal education, though some consider me inteligent, I'm not well schooled. I don't read much, watch no TV presently, have not travelled beyond the U.S. and don't really push the intellectual boundries. However, I am very comfortable saying whatever I think or feel, and can be quite opinionated, if not funny, obnoxious even, so PLEASE, PLEASE, PLEASE, if anything I put out there strikes a chord for you, one way or another, I want to hear about it. Again this is a BLOG, I write and post pictures, thoughts and feelings and you comment.....I so hope....thank you for reading...I really should get some sleep.....
Good night,
Kent
It's great to be back, however daunting the task might seem. I've had my tea and ice cream and commented to Risa how reluctant I feel to pick up the lap top instead of "The Mummy" by Anne Rice.
"Yes", I said, "The vacation is over," More on that later? We'll see....
If you happen to click on "The Affordable House" link in the header, you'll note a significant gap in my posting. Someday I'll fill you in on some events and history between then and now and perhaps even back further into my life. Back to a time when my brother and I tore down the family garage and built the best treehouse in town, or better still, the infamous "Cabin", in the most remote corner of "Quaker Lane Farm". But that will have to wait, because for now I want to share some basic themes, so that over the next while you can have an understanding of where we are now and why this is when I've decided to end "the vacation."
The first theme I am thinking would be apropo is "How Shifting Paradigms Create Opportunities in Housing." Following that I anticipate sharing a bit of academia, such as "What's up with Zoning?" and "What Happens When Shit Flows Downhill," or Why Does Wastewater Management mean "You can't live here"? Stuff like that.....but first I feel like I need to establish what my playing field looks like......
The beauty of blogging is that it's personal. It can be journalistic or just meandering as thoughts come and go. As one should surmise from the welcoming phases, this one is laden with intent. I've long held and distributed energy regarding special personal spaces and feel it's somewhat obligatory to offer my perspective and experience to a broader audience. I hope I can convey my passion and share my expertise in a fun and humble way because I certainly don't pretend to know more than I do. By the same token I am confident that I am an expert. Despite the disclaimers that follow, I hope to eventually earn your trust so that we can share this media-oric wonder with a clear understanding of our roles. I write stuff and you comment.
As for the afore-promised disclaimers, my expertise is in the creation of personal spaces, not blogging. I have limited formal education, though some consider me inteligent, I'm not well schooled. I don't read much, watch no TV presently, have not travelled beyond the U.S. and don't really push the intellectual boundries. However, I am very comfortable saying whatever I think or feel, and can be quite opinionated, if not funny, obnoxious even, so PLEASE, PLEASE, PLEASE, if anything I put out there strikes a chord for you, one way or another, I want to hear about it. Again this is a BLOG, I write and post pictures, thoughts and feelings and you comment.....I so hope....thank you for reading...I really should get some sleep.....
Good night,
Kent
Back in the Saddle
It's been a few years now since I hit the wall, spring of 2006 I think it was. My memory is blurred by all that's happened and I am befuddled knowing it's really nothing at all. It'll take several months of scattered jottings for anyone out there to get the jist of what I'm up to I'm sure, but alas, here I am in the present still.
I credit my closest and dearest friend Risa, with the inspiration to get back on and ride, after my self- proclaimed vacation from having an agenda. She reads me excerpts from who knows where, most recently about the awakening of our responsibility to become, and be our true selves.
Having had my fair share of pie in celebration of my birthday last week, (thanks Mom it was delicious) I'm satisfied. It won't be a bad thing to unleash my passion and share my creative bent with you all. The season is ripe. The galaxy fertile and beckoning.
The thesis for this blog will be to journal my day to day experience of waking up. My dream, like countless designers before, and many contemporary to me, is to "crack the nut" on creating a system for single family houses that are personal, sustainable and affordable. I have many years, and much blood, sweat and tears in "the universal bank" and I can't just not get back to working at it. My goal is to document my experience and share it, so others may benefit and so that I may grow. Hopefully I can provide some light hearted entertainment along the way. Cheers to all of you, welcome to my blog!
I credit my closest and dearest friend Risa, with the inspiration to get back on and ride, after my self- proclaimed vacation from having an agenda. She reads me excerpts from who knows where, most recently about the awakening of our responsibility to become, and be our true selves.
Having had my fair share of pie in celebration of my birthday last week, (thanks Mom it was delicious) I'm satisfied. It won't be a bad thing to unleash my passion and share my creative bent with you all. The season is ripe. The galaxy fertile and beckoning.
Mom and Dad are nibbling on a fresh new building project, perhaps their last, a downsized cottage in the backyard, as green as possible, though I fear not as small as I would suggest. I tackled Audacity yesterday and won by recording some scratch tracks (of a brand new song) and formatting them for sharing. (Yeah, finally, a long time coming.) Kip has shown unparalleled courage and broken ground in so many areas, I'm sure I'm just beginning to see, thanks so much to him.
The thesis for this blog will be to journal my day to day experience of waking up. My dream, like countless designers before, and many contemporary to me, is to "crack the nut" on creating a system for single family houses that are personal, sustainable and affordable. I have many years, and much blood, sweat and tears in "the universal bank" and I can't just not get back to working at it. My goal is to document my experience and share it, so others may benefit and so that I may grow. Hopefully I can provide some light hearted entertainment along the way. Cheers to all of you, welcome to my blog!
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