Are we placemakers or Rent Seekers, Looking in the wrong Place for Answers. Not Even Wrong. Street Light Effect and Gaslighting in equal measure in the Housing Crisis.
The streetlight effect, or the drunkard's search principle, is a type of observational bias that occurs when people only search for something where it is easiest to look.[1][2][3][4] Both names refer to a well-known joke:
A policeman sees a drunk man searching for something under a streetlight and asks what the drunk has lost. He says he lost his keys and they both look under the streetlight together. After a few minutes the policeman asks if he is sure he lost them here, and the drunk replies, no, and that he lost them in the park. The policeman asks why he is searching here, and the drunk replies, "this is where the light is".[2]
The Problems are only weakly related with respect to future solutions and breaking the process into 3 parts is useful rather than lumping them all together. It is clear that the existing Form of Market economy and political economy is not able to solve the problem at stage 3 ( I.E Post 2050 post-Oil Economy)
Stage 1 requires a reform of the existing paradigm which involves facing up to the broken debt-based money system. Pension provision, the sovereign debt crisis and Public debt crisis are all addressable and will see improvements even within the deteriorating Cost of energy inputs as a share of output. We could call this stage lets fix what we know is not working. Stage 2 covers the Post Financialised ( Big Bang Experiment) period to the oil running out in 2050. This requires a much more long-term investment horizon and complicating the energy mix by overstating the ”Climate Change question** seems to be counterproductive, again I like the way Prof David Mackay dealt with the question including stating the necessities of **Clean Coal and Nuclear”. In this stage, we will be implementing ideas previously barred due to the denial inherent in clinging to a failing system. Stage 3 Post 2050, This part is much easier than Stage 2 and stage 1, in my opinion, the myth-busting and levelling out inherent in solving the political problems at stage 1 and the challenge to vested interests in stage 2 are by far and away the largest obstacles to getting down to Brass tacks in my opinion.
Why does Big Tech ignore the Volume House Builders Skill Set, and misdiagnose the causes of the “Housing Crisis”?
There are several key points that have emerged as clear points of difference between the prevailing Institutional/NGO/ Public Sector line , The Construction Handbook, The Farmer review and the Lean Construction explication in the DFMA Learnings publication that followed John Prescott's 60k House Competition. These Points are all taken on board unquestioned in the Modulous video which I analysed extensively for that reason.
Critique Points. 1. affordability and Allocation problem. a. Finance ! b. Land ! c. Volume House building and Finance Lobby ! 2. Customer and Community Consultation this is a Human processes ! 3. Integration of Both Private and Public Spaces. ! 4. Fleet Sales and Private Sales ! 5. The Failure of Lean Build To Order not Build to sell ! 1.5. "The collapse in home ownership was mainly due to withdrawal of mortgage finance from FTBs, which suggests policymakers face a trade-off. This paper has argued that, while high house prices affect home ownership, the dominant driver of its recent collapse was a sudden stop on mortgage lending to FTBs. And in keeping with that explanation, the recent return to a more normal pace of FTB lending has seen the home ownership rate stabilise and perhaps begin to recover". Ian Mulheirn August 2019 "We have a crisis of affordability and allocation. People are borrowing eight times their income to get on the housing ladder yet there are 700,000 derelict houses, 500,000..." //theecologist.org/2008/aug/02/radical-carbon-tax-reform(2008) Dr Adrian Wrigley 2008. Homeatics , The Vanguard Method for Lean. A Philosophy http://www.realrld.com/blog/homeatics-the-vanguard-method-for-lean-a-philosophy The Katerra Post Mortem. The Unicorn is Dead, Long Live the Unicorn https://www.linkedin.com/pulse/katerra-post-mortem-unicorn-dead-long-live-roger-lewis/
Not Even Wrong, From Modulous to the Farmer Review and a misunderstanding of lean.
https://homeatix.com/Homeatics-,-The-Vanguard-Method-for-Lean.-A-Philosophy Trouble with the link go to list of wiki and find wiki page of the same title.
In the Seddon paper I like the idea of Manufacturing Flow rather than Economies of Scale. The Factory Method goes for Economies of scale based upon reducing unit cost through Maximum unit production. With the optimized supply chain we can Maximise the Flow of Product as demanded by the Customer Capacity is determined at the Pop up assembly line level as demanded. No Excess capacity or minimum output efficiencies apply this spare capacity is inherent in the Component supply chain which serves a market at a much wider scale than and individual fully manufactured producer could hope to do?
“Unfortunately, however, the purveyors of ‘Lean Thinking’ have missed the point that the principles behind the TPS required dramatic changes to the way managers think. In manufacturing Ohno’s TPS presented fundamental challenges to conventions like, for example, ‘make and sell’, instead making to order; ‘inventory as value’, instead inventory as cost; ‘unit costs’, instead cost is in flow.” Seddon , The Vanguard Method. (Also see Seddon Failure Demand.)
Mark obviously has a great background in Consultancy. I actually findMark Reynolds of MACE a more compelling individual. Jamie Reynolds of Brydon Wood also does not impress me and Legal and General Modular is a horror show. WIth respect to getting our own Supply chain and Assembly Manufacture mix right I thinkLinbäcks has the better model for us in general with adjustments for the fundamentally different Market realities of the UK and Sweden.
https://ternercenter.berkeley.edu/wp-content/uploads/2020/08/offsite_construction.pdf The Last Mile: Getting to Scale When the technical challenges are solved for, and off-site developers have advanced a more viable business model for its product, the final stage of evolution for this industry will be in its production process. Today, most manufacturers still try to take architectural designs and then turn them into digitally-produced shop drawings that work in the factory. Architects and most general contractors are still compensated for their work based on a percentage of the construction costs. A more sophisticated process would instead make standard a set of predetermined designs (which could have some provisions for modest customization) and developers would buy both the module and the design - an integrated approach more akin to the car industry. A customer would still have different models to select from, and perhaps different companies with different designs and prices competing in the marketplace, but the range of customization and need for individualized design services would shrink. To deploy these many solutions and catalyze this industry towards its full potential and potential impact, the off-site construction industry will need visionary, dedicated teams of experienced real estate, technology, manufacturing, and financial partners. They will need to forge a new hybrid development process that includes elements of both conventional construction and traditional manufacturing, and bring thoughtful and entrepreneurial energy and a willingness to break with traditional methods. The summary papers on the Linbäks model are all very good Thomas- Here is a handbook I made including the full Farmer review. https://issuu.com/rogerglewis1309/docs/chassis_design_and_supply_chain_handbook._1_/22 The Larger Document is also very good on the Finance aspects of the problem, this analysis is missing completely from the Farmer review, and the Construction process focused ouvre. Home@ix does bring a "bring thoughtful and entrepreneurial energy and a willingness to break with traditional methods". p.10 para 2. This process doesn’t work for manufacturing off-site, and the industry currently faces a mismatch in expectations and needs between real estate developers and their sources of capital on the one hand, and those of an off-site manufacturing facility on the other; the financing for off-site construction is needed upfront. Factories need capital prior to any construction starting to cover overhead costs and order the materials needed for the modules, which comprise about 60 percent of the total cost of the module. Of this cost, manufacturers generally expect an upfront payment of 50 percent of the module cost and the time the order is placed. And to remain on schedule, factories need almost all of the materials and parts within a very short period of time (a few weeks), as each module or “box” is built in a day.
.http://www.withouthotair.com/cL/page_370.shtml
There are some very good Sites which have well-embedded energy databases particularly in the Construction industry which uses 48% of global energy annually building and running domestic and commercial property. http://symposium.arch.tamu.edu/2017/ Project Summary: Buildings consume approximately 48% of global energy each year in their construction and operation alone adding proportionally to global carbon emission. The problems in Political Economy as it stands presently and the question of future Political Economy based upon future Energy realities are I think helpfully separated which is something Prof. David MacKay is very successful with, in his presentation of the question. The Problems are only weakly related with respect to future solutions and breaking the process into 3 parts is useful rather than lumping them all together. It is clear that the existing Form of Market economy and political economy is not able to solve the problem at stage 3 ( I.E Post 2050 post-Oil Economy) Stage 1 requires a reform of the existing paradigm which involves facing up to the broken debt-based money system. Pension provision, the sovereign debt crisis and Public debt crisis are all addressable and will see improvements even within the deteriorating Cost of energy inputs as a share of output. We could call this stage lets fix what we know is not working. Stage 2 covers the Post Financialised ( Big Bang Experiment) period to the oil running out in 2050. This requires a much more long-term investment horizon and complicating the energy mix by overstating the ”Climate Change question** seems to be counterproductive, again I like the way Prof David Mackay dealt with the question including stating the necessities of **Clean Coal and Nuclear”. In this stage, we will be implementing ideas previously barred due to the denial inherent in clinging to a failing system. Stage 3 Post 2050, This part is much easier than Stage 2 and stage 1, in my opinion, the myth-busting and levelling out inherent in solving the political problems at stage 1 and the challenge to vested interests in stage 2 are by far and away the largest obstacles to getting down to Brass tacks in my opinion.
Meanwhile Lloyds Bank and John Lewis Group along with Ikea ( BokLok) are climbing on the Housing crisis "Rent Seeking" bullshit bandwagon".
Housing experts give evidence to Committee
On Tuesday 6 July at 9.30am, the Built Environment Committee holds its first evidence session on the inquiry into meeting the housing demand in the UK. https://committees.parliament.uk/event/5003
The Property Lobby: The Hidden Reality behind the Housing Crisis. Notes for a Video Dialogue with @financialeyes Ranjan Balakumaran and Roger Lewis @homeatix  This Blog Post is to form the basis for an in depth discussion with Ranjan following from our Analysis of the Friary Park and westferry printers Sites back last summer 2020. Same old shit different day Com Ce Com Ca!  The Property Lobby: The Hidden Reality behind the Housing Crisis by Bob ColenuttMy rating: 5 of 5 stars An Excellent look at the UK property Market. All the parameters are defined clearly and the Authors own take is refreshingly present throughout. This book along with Chloe Generation RentTimperly's Generation Rent, Both add significantly to the DIalogue which should be happening around the "Housing Crisis" These are questions which this reviewers own Volume House Building company is actively engaged with. Home@ix The Affordable Homes Series https://www.yumpu.com/s/p9OtGg7RBbMsUnAY Well done Bob Colenutt on setting out this intractable perennial of British Political Economy. View all my reviews p29-33 Hidden Reality Colenutt1  Colenut 2p9 2  p 33 Colenut housebuilding by tenure from 1946  Moduloft THE AFFORDABLE HOUSING MANUFACTURERS. Source Book ( for defining the Problem) Peach p37 Colenut  https://en.wikipedia.org/wiki/The_Emperor%27s_New_Clothes_(2015_film) New Era estate  The New Era estate is a housing estate in Hoxton, in the London Borough of Hackney, part of East London. Approximately 100 families lived on the estate in 2015.[1] The New Era Tenants' Association of estate residents had been involved in protests over the increase in rents proposed by its new landlord, the U.S.-based investment fund Westbrook Partners.[2] After Russell Brand joined the protests in 2014, footage of his clash with a television reporter at a 10 Downing Street demonstration in Westminster went viral on YouTube, bringing the issue to greater public notice.[3][4][5] A petition raised 350,000 signatures in support of the residents,[6] and Hackney Council became involved in negotiations with Westbrook Partners.[7] In December 2014, it was confirmed that the housing estate was to be sold to the affordable housing group Dolphin Living, a housing provider owned by the Dolphin Square Charitable Foundation.[4][8][9] https://en.wikipedia.org/wiki/Lindsey_Garrett  https://www.hackneycitizen.co.uk/2014/11/14/benyon-estate-withdraws-new-era-estate-rent-hikes/ Conclusion preface 1 colenut  Conclusion colenut preface 2  The Calcutt Review, A georgist christmas carol p52  One aspect of the analysis is the framework driven public private partnerships typified by the Catalyst/Mount Anvil deal in Friary park acton and the loan to Mt Anvil from the GLA mayor, Sadiq Khan. This aspect of the MMC efforts to provide more affordable housing is aptly summarisedhere by Gerry McCaughey, “Homebuilders aren’t builders; they are more land acquisition and marketing guys.” They don’t create project value by opening a building faster or for less money. They create value by taking a piece of property, building something, and then marketing that new thing. Their ability to do this successfully determines the overall success of that project more than any other variable. Developers need a product to market, and manufacturers can create that product and the brand to match. "
Another distinction in the Two cheeks of the same arse question is the role played by the Macro prudential regulations of International finance. for a discussion of this see Income inequality, mortgage debt and house prices Bank of England research Paper by Sevim Kösem . A MortgageMaxM@ix and Home@ix group response.5 For instance, the growing informalization of work in major global cities of the North beginning in the 1980s is often described as a mechanism to lower costs of production. It is that, but it is also a more complex dynamic that contributes to the deepening of advanced capitalism. In my research I find that some (not all) of the components of this informalizing of work are the systemic equivalent of the deregulation of major advanced economic sectors, notably finance and telecommunications. It adds particular forms of ‘flexibility,’ i.e. needed components of production and work for the advanced sectors that could not function /survive formally (Sassen, 2006, ch. 5 and 6). 6 Elsewhere (Sassen, 2008b, 2008c) I examine these two cases through a specific lens: the assemblages of specific processes, institutions, and logics that get mobilized in this systemic transformation /expansion /consolidation. Comparing the current assemblage of elements that enables the operations of ‘PA’ as systemic deepening with those of the original in Marx also is a way of establishing the differences—the specific historical and systemic differences. Focusing on assemblages of elements involved in these shifts, rather than positing more deterministic dynamics, also enables factoring in contingency. And here is where a strict application of Marx’s concept of PA cannot work, which can then lead some to object to the use of the category to capture some specific current transformations. http://www.columbia.edu/~sjs2/PDFs/savage.pdfThis is an interesting paper, I am tempted to place it in the Not even wrong category. At least it asks the question. https://www.bankofengland.co.uk/working-paper/2021/income-inequality-mortgage-debt-and-house-priceshttps://www.constructionnews.co.uk/archive/how-jones-aims-to-put-the-verry-brand-on-the-map-02-02-2006/I think my Analysis from last year remains more robust than this Discredited General Equilibrium model approach. I will write a critique of the paper over the weekend. https://www.yumpu.com/en/document/view/65066398/affordable-homes-a-framework-of-understanding Moduloft:The Affordable Housing Manufacturer Introduction to Our Series on understanding The Affordable Homes Equation.  https://notthegrubstreetjournal.com/2013/06/05/democracy-and-the-state/ https://aluation.wordpress.com/2011/06/01/coercive-aggregation-and-the-poor/ Exegi Monumentum By A.S. Pushkin Translated by A.Z. Foreman We heard him say, "I will destroy this temple that is made with hands, and within three days I will build another made without hands." -Mark 14:58 I've reared a monument not built by human hands. The public path to it cannot be overgrown. With insubmissive head far loftier it stands Than Alexander's columned stone. No, I shall not all die. My soul in hallowed berth Of art shall brave decay and from my dust take wing, And I shall be renowned while on this mortal earth A single poet lives to sing. Tidings of me shall spread through all the realm of Rus And every tribe in Her shall name me as they speak: The haughty western Pole, the east's untamed Tungus, North Finns and the south steppe's Kalmyk. And long shall I a man dear to the people be For how my lyre once quickened kindly sentiment, I in a tyrant age who sang of liberty, And mercy toward fallen men. To God and his commands pay Thou good heed, O Muse. To praise and slander both be nonchalant and cool. Demand no laureate's wreath, think nothing of abuse, And never argue with a fool. http://poemsintranslation.blogspot.com/2013/10/pushkin-exegi-monumentum-from-russian.html 
Conclusion: The Expulsion of People and the Incorporation of Terrain The potential for global replication of the financial innovation that destroyed 15 million plus households in the US, therewith devastating whole neighborhoods is the systemic equivalent, albeit on a much smaller scale, of the global South countries devastated by an imposed debt and debt servicing regime which took priority over all other state expenditures. These are two manifestations of a systemic deepening of advanced capitalism, one marked by its potential to spread globally and the other marked by its full enactment in the global South. Both cases can be seen as part of a much larger process of financial deepening, one of today’s major dynamics characterizing advanced capitalist economies. Financial deepening requires specific mechanisms, which can be extremely complex, as in the case of the type of subprime mortgage examined in this article, or they can be quite elementary, as in the debt servicing regime that took off in the 1990s. I examine these two cases through a specific lens: the transformative processes that expand the base of current advanced capitalism. Particular attention went to the assemblages of specific processes, institutions, and logics that get mobilized in this systemic transformation/expansion/consolidation. One way of thinking of this systemic deepening is as the expansion of the operational space for advanced capitalism—it expels people both in the global South and in the North even as it incorporates spaces. The devastated economies of the global South subjected to a full decade or two of debt servicing, are now being incorporated into the circuits of advanced capitalism through the accelerated acquisition of millions of hectares of land by foreign investors—to grow food and extract water and minerals, all for the capital investing countries.Mortgage Origination discussion https://www.yumpu.com/s/smlLyrhO3HMcxa0n For the Land is mine Single Land Tax Documentary https://www.youtube.com/watch?v=6T2W8JAl57I Principles of Tax Policy Dr Adrian Wrigley https://notthegrubstreetjournal.com/2020/09/02/the-principles-of-tax-policy-by-dr-adrian-wrigley-rip/ The Tethered Bull Progress and Poverty Henry George extract https://www.youtube.com/watch?v=x9shGCYO_po Wes Free the Big Apple Plan THE BIG APPLE PLAN. WESLEY FREEBURG. WHY ABSTRACT CURRENCIES FAIL THE NATURAL ORDER OF MONEY AND WHY ABSTRACT CURRENCIES FAIL — A CRITICAL REVIEW Go to the profile of Wesley Freeburg Wesley FreeburgFollowing Jan 1, 2018 https://notthegrubstreetjournal.com/2019/03/04/the-big-apple-plan-wesley-freeburg-why-abstract-currencies-fail%e2%80%8a/ https://notthegrubstreetjournal.com/2020/03/04/field-theory/ The Game, Melt Fund Robin Smith https://notthegrubstreetjournal.com/2019/05/16/the-game-essential-knowledge-melt-fund-on-ipfs/ July 8, 2018 REDEFINING FISCAL CONSERVATISM. THE TERRA/ENERGY BASED FISCAL UNIT. FÖRES AND LAGOM WHITE PAPER, BOUNDARY CONDITIONS FOR A FISCAL CONSERVATISM BASED UPON CIRCULAR ECONOMICS. PART ONE SCOPE. https://notthegrubstreetjournal.com/2020/02/29/the-bank-of-energy-energy-graphine-materialstechnology-opportunity-cost-of-energy-part-1-technology/ On the Mortgage research I have been doing. https://drive.google.com/file/d/1w9S0DhKoalxjCoWQ_yzl8P13IehMYVKL/view?usp=sharing This paper is very good, although it is about Sub Prime mortgages originated between 2003 and 2006 with outcomes monitored up to 2008. It is clear to me from this and other empirical research I have been reading that the Moduloft 5% and 5X product is neither sub prime or indeed loaded with the highest risk factors those being, Self Certification, a variable and low introductory teaser rate. Two employees in similar status employment are very secure lending risks and LTV and Income multiples are far less significant than whether the borrower occupies the property mortgaged as their sole residence and in the Language of the attached paper, "the Option is in or out of the money",as per pro Default , repay or refinance.This also holds for such a radically different instance as the sub-prime mortgage crisis, a largely global North dynamic. I see the sub-prime mortgage as extending the domain for high finance but ina way that delinks the financial circuit from the actual material entity that is the house, and hence from the neighborhood, and from the people who got the mortgage. All of these materialities are excluded from this type of articulation with high-finance—which means that the devastated neighborhoods are expelled from what are, strictly speaking, also traditional circuits of capital. It is akin to wanting only the horns of the rhino, and throwing away the rest of the animal, devaluing it, no matter its multiple utilities. Or using the human body to harvest some organs, and seeing no value in all the other organs, let alone the full human being—it can all be discarded.But unlike the clear realignments we see in vast stretches of the global South, it is not clear how these devastated urban spaces in the global North will be incorporated into the circuits of advanced capitalism. This systemic shift signals that the sharp increase in displaced peoples, in poverty, in deaths from curable illnesses, are part of this new phase. Key features of primitive accumulation are at work, but to see this it is critical to go beyond logics of extraction and to recognize the fact of systemic transformation, with its system-changing practices and projects—the expulsion of people that transforms space back to territory, with its diverse potentials.    https://www.amazon.com/Generation-Rent-Cant-Home-Even-ebook/dp/B086VVCT42 https://www.canburypress.com/collections/books/products/generation-rent-by-chloe-timperley?variant=35559810891930 Home@ix The Affordable Homes Series Our Series on Solving the Affordable Homes Equation for Our Customers.
An exploration into the failure of ‘lean’ John Seddon and Brendan O’Donovan, Vanguard Consulting Structured Abstract: The purpose of this paper is to show that the ‘Lean’ (Womack and Jones 1996) movement is based on a flawed interpretation of innovations that originally occurred at the Japanese automotive manufacturer Toyota in the 1950s. By looking at the history of this movement and recent criticisms of high-profile lean implementations, the authors argue that the codification of Toyota’s innovations ran counter to the instructions of the original architect of the Toyota Production System, Taiichi Ohno. As a result, modern leaders following lean programmes in service organisations have been led to expect change to come in the form of improvement projects which have been packaged as a series of tools and techniques. Leaders are expected to know what their problems are without having thoroughly studied their organisations from a customer’s perspective. A false assumption has been encouraged that knowledge is inherent in the lean tools. Consequently, claims for lean improvements are therefore usually marginal (minor process improvement) and often illusory (e.g. they create changes in activity costs which do not reflect an increase in the total cost). Instead, by following Ohno’s requirement that leaders study their systems in order to gain understanding of current performance, service organisations are shown to have demonstrated substantial improvements through changing the system. For these reasons, the authors argue that lean is a busted flush. Keywords: Lean, failure demand, service archetypes
Home@ix and the Verrym@ix Team. Vorsprung durch Verrym@ic page 58-59 in the document and pages 28-29 in the original publication ( see below) 
An exploration into the failure of ‘lean’
John Seddon and Brendan O’Donovan, Vanguard Consulting Structured Abstract: The purpose of this paper is to show that the ‘Lean’ (Womack and Jones 1996) movement is based on a flawed interpretation of innovations that originally occurred at the Japanese automotive manufacturer Toyota in the 1950s.
Lean from Supply Chains, a Covid Context.
See The Unicorn Is dead, Long Live the Unicorn. OFr other stories of getting it wrong through too narrow a view or misapplication of a misunderstood concept.
Grand Designs s08 ep06 bath the bath kit house. Why Home@gineers like our Volume Housebuilder skill Set!
00:10:35,080 --> 00:10:40,960 I think when we first thought we'd really like to have a German house, we were rather seduced by all the glossy adverts that suddenly started to appear. We started a dialogue with a couple of companies,and we very soon discovered to our great disappointment that it wasn't quite so straightforward.Kevin attempts to help helps Tiffany and Jonny with their dream of creating an ultra-modern, eco-friendly home in Bath in the west country. Rather than go down the traditional building route, Tiffany and Jonny opted for a German pre-fabricated kit house with great green credentials. But before they could even think about building their house they had to prepare their site: a fiercely steep hillside. Tiffany and Jonny embarked on the biggest ground works project Grand Designs has ever seen, costing around £300,000. And, just when they were about to complete these mammoth works, the weather turned bad and disaster struck. Their neighbour's wall collapsed in a storm. The resulting damage could have cost them nearly £100,000. Determined to carry on, even through 80 tonnes of extra mud, Tiffany and Jonny persevered, and a year into their project, were finally able to go to Germany to choose their house. Every fixture and fitting had to be decided and, once made, no changes were allowed. Now, with the promise of the house taking only five days to go up on site, and with no possibility of landslides, hopefully their build will now run smoothly. grand designs s08 ep06 bath the bath kit house hd watch Verrym@ix, The New Management Contractor and In house Modular Supplier to the Home@ix Group. John Gibson and Thomas Solle are the Driving force behind an exciting new force in Off Site Construction in the UK Home@ix and the Verrym@ix Team. Vorsprung durch Verrym@ich                   
Home@ix ( formerly Moduloft ) a Manufacturing and Customer Financing solution to enabling owner occupation for the Reluctant 10 per-centers. “our product is aimed at what we call the reluctant 10 per-centers and what i mean by that is if you envisage the property ladder as 100 rungs, since 2009 home ownership has fallen from 75% of occupation to 65% so there were 25% of people in the rental sector across all types of rental property in 2009 now in 2020 there are 35 percent and it occurred to me that those 10%of people, that 10 rungs of the property ladder would rather buy than rent and so what we've addressed the reasons why they haven't been buying and have been renting instead”
Roger Lewis , CEO Home@ix
I found this interesting article by Sevim Kösem linked to from
theWEF Real Estate portal this morning. At Mortgagemaxm@ix and across the Home@ix group of companies we are committed to the Reluctant 10 percenters. Moduloft is committed to the Entry Level budget homeownership Market. Delivering affordable Homes and the means to Finance them literally without costing the earth. Moduloft is Green by design, and Affordable by design , we are experts in materials passports, Energy based economics and Placemaking. We do have questions though regarding the Agenda 2030 sustainable development goals and whether financial products are being developed for our Customer price point. This coming week we will publish a series of discussion papers surrounding the question. Is 21st Century Britain, in 2021, going to be a Home Owning democracy or a Rent seeking Banana Republic? 
Real-Estate Land Development Limited <rlddevelopments@gmail.com>Fri, Jun 18, 2021 at 7:34 AM To: Emma Sugrue <emma@centaureainvestments.co.uk> Cc: Rob Thomas <Rob.Thomas@instinctif.com>, Roger Lewis <rogerglewis13@gmail.com>, Chris Phillips <chris@centaureainvestments.co.uk>, Nicola Evans <nicola@lowergrenofen.co.uk>, Shakirah Akinwale <shax@akinwale.co.uk>, Michael Judd <MichaelJudd@hawkinsbrown.com>, Greg Manson <greg.manson@oaknorth.com>, Richard Werner <werner@hampshirebank.org>, Richard Werner <richard.werner@linacre.ox.ac.uk>, Dominic Cullinan <dominic.cullinan@scabal.net>, Tilley Harris <tilley@akou.co.uk> Dear Rob and Chris, Income inequality, mortgage debt and house prices.Published on 21 May 2021Staff Working Paper No. 921By Sevim Kösem This is an interesting paper, I am tempted to place it in the Not even wrong category. At least it asks the question. https://www.bankofengland.co.uk/working-paper/2021/income-inequality-mortgage-debt-and-house-prices I think my Analysis from last year remains more robust than this Discredited General Equilibrium model approach. I will write a critique of the paper over the weekend. https://www.yumpu.com/en/document/view/65066398/affordable-homes-a-framework-of-understanding Moduloft:The Affordable Housing Manufacturer Introduction to Our Series on understanding The Affordable Homes Equation. Rob, I will be in the UK from End of June and able to Enter society after quarantine around 9th July , I will set up for us to go and see Oaknorth about their Mortgage License then. Are you going to be around in July or are there dates to avoid? Best Rog https://www.yumpu.com/en/document/view/64908759/debt-growth-money-supply-and-house-prices-rationing-the-right-to-shelter-buildbackbetter-4ir Housing Market Fundamentals including Debt. From Shiller’s Irrational Exuberance to The Covid19 Debt Bomb.#COP26 Moduloft Primer. http://realrld.com/ Real-Estate Land and Developments Limited email: rlddevelopments@gmail.com UK Mobile (+44) (0)7498880719 skype: rogerglewis +44 20 8638 5601 skype number Grasloksvagen 21, 26697, Hjarnarp, Sweden https://www.linkedin.com/in/rogerglewis/ Roger Lewis about.me/rogerlewis REAL-ESTATE LAND AND DEVELOPMENTS LIMITED Company number: 12600616 
If You Liked this article you might also find some of our content and research on Linkedin of interest. See the latest Linkedin Article The Katerra Post Mortem. The Unicorn is Dead, Long Live the Unicorn. On the Home@ix Yumpu Chanel
Home@ix Site requirements.
We are starting our Spring site Acquisition drive for #Home@ix (pronounced "Home-at-ics".)
Our Requirements are fairly general in specific niche regional markets as they are identified. We set up an assembly line to service that niche market according to pre marketing demand enquiries. In each region niche we will produce a minimum of 300 Homes from our dedicated "Pop Up" assembly line in that specific market, but the Homes can be across several separate sites. For instance one site with 150 Homes, 3 of 30 and the balance of 90 homes could be in a mixture of sites from say 5 single family homes up to 90 low rise multifamily garden apartment homes. Home@ix Modular assembly lines need to produce to our standardised pattern range, within which variability can be accommodated for external finishes and interior trim and layout, much like the New Motor Car Configuration process. We will produce 1000 homes a year for the first five years. Our target market is the budget and first time buyer segments which can be Apartment based or Single Family housing. Our Assembly lines produce from the range according to local demand, we also have a seniors assisted living range and a more upmarket Loft style apartment range.
https://www.yumpu.com/s/cx0E2kdCJuK5MhUN
Home@tix Towards a Bumper Sticker. Everything we do is Driven by the Homemaker. 1. Site identification acquisition and Planning permission. 2. Sales funnel coordination with Regional Site availability 3. Curation of customer demand into pre sold or prelet Developments 4. qualifying customers Mortgage status and coordination with BOPA’s and Insurance backed Higher LTV and Income Multiple mortgage product 5. Facilitating Customer Orders into Assembly line programmes 6. Customer and after sales service Home@ix where the Customer Homeagineers the Place. e mail sites to rlddevelopments@gmail.com More about Home@ix at the #RealRLD Blog http://www.realrld.com/blog We Pay Intro Fees, We Do Deals. Old School Land Deals in a Digital World. Shake on a deal with Home@ix today! Call Roger Lewis Now! UK Mobile (+44) (0)7498880719 
 Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice https://www.yumpu.com/s/KcHv96p41Ikb3MlZ "affordable, off site, modular, homes apartments", This search in Google Chrome Gave a selection of responses, very few were messages addressed directly to Homeseeker, Homemakers or what one would call real estate occupier customers. After our promotional Homeatix presentation you will see what were the main types of information generated. We were surprised that much of what comes up is industry focused and technical not customer facing. We are a Customer Driven product our customer push our line development and provide the pull for our assembly lines. https://www.yumpu.com/s/ibJR6DESpsBy1wAF Home@tix Towards a Bumper Sticker. “Home@tix is a Homeagineering Dashboard empowering Homeagineers with a self build Mind set with a Volume House Builders Skill Set”. Katerra | TAKE OFF 2019 | Highlights https://www.youtube.com/watch?v=eL7YfUpduko On February 18th, Katerra hosted the first Katerra TAKE OFF product launch event in Las Vegas. Learn more about the products announced at http://katerra.com SCABAL is a London-based practice of Architects well known for our extraordinary designs, winning awards for houses, schools, workplaces and recreational buildings. Working together since 1989, Dominic Cullinan and Jon Buck run the practice to manage a rich variety of projects of all sizes, the two directors passionately in touch at every level. Playing utopia Masterplan for Baugruppen housing, EU https://scabal.net/project/cabalgorithm/ Home@tix Towards a Bumper Sticker. https://www.yumpu.com/s/cx0E2kdCJuK5MhUN Homeatix Exec Summary and Market overview https://www.yumpu.com/s/qrhzDAWjCONY9XBb BIM Building Information Modelling. Some Plugins for Collaborative Design. https://www.yumpu.com/s/sdycNhwxmbGSpfaR Homeatix learning from the Motor Trade edition https://www.yumpu.com/s/sBUCY16rvGIfE9gl Homeatix where the Customer Imagineers the Place. Homeatix Customers are our Imagineers. Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice Everything we do is Driven by the Homemaker. 1. Site identification and acquisition and Planning permission. 2. Sales funnel coordination with Regional Site availability 3. Curation of customer demand into pre sold or prelet Developments 4. qualifying customers Mortgage status and coordination with BOPA’s and Insurance backed Higher LTV mortgage product 5. Facilitating Customer Orders into Assembly line programmes 6. Customer and after sales service It is quite apparent this idea of SILOS with particular expertise groups re inventing the wheel as they haven't looked into adjoining silos is a peculiar development in The world since the Internet accelerated the process of Expertise inflation. People stay in their lanes , occasionally something outside the Box ( SILO) comes along and seems obvious but no ones saw it. https://notthegrubstreetjournal.com/2017/01/29/red-lines-settled-science-the-end-of-history-and-entitled-facts-if-truth-were-subject-to-patent-law/ Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice https://www.yumpu.com/s/9hPInSwFkm6dqvi5 affordable off site modular homes apartments #Homeatix https://www.yumpu.com/s/ibJR6DESpsBy1wAF     Budget 2021 95% Mortgage LTV analysis and Context 
Homeatix Customers are our Imagineers.
Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice Everything we do is Driven by the Homemaker. 1. Site identification and acquisition and Planning permission. 2. Sales funnel coordination with Regional Site availability 3. Curation of customer demand into pre sold or prelet Developments 4. qualifying customers Mortgage status and coordination with BOPA’s and Insurance backed Higher LTV mortgage product 5. Facilitating Customer Orders into Assembly line programmes 6. Customer and after sales service It is quite apparent this idea of SILOS with particular expertise groups re inventing the wheel as they haven't looked into adjoining silos is a peculiar development in The world since the Internet accelerated the process of Expertise inflation. People stay in their lanes , occasionally something outside the Box ( SILO) comes along and seems obvious but no one saw it. We think Homeatix is like that too. https://notthegrubstreetjournal.com/2017/01/29/red-lines-settled-science-the-end-of-history-and-entitled-facts-if-truth-were-subject-to-patent-law/ Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice 
"affordable, off site, modular, homes apartments", This search in Google Chrome Gave a selection of responses, very few were messages addressed directly to Homeseeker, Homemakers or what one would call real estate occupier customers. After our promotional Homeatix presentation you will see what were the main types of information generated. We were surprised that much of what comes up is industry focused and technical not customer facing.
We are a Customer Driven product our customer push our line development and provide the pull for our assembly lines. Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice Everything we do is Driven by the Homemaker. 1. Site identification and acquisition and Planning permission. 2. Sales funnel coordination with Regional Site availability 3. Curation of customer demand into pre sold or prelet Developments 4. qualifying customers Mortgage status and coordination with BOPA’s and Insurance backed Higher LTV mortgage product 5. Facilitating Customer Orders into Assembly line programmes 6. Customer and after sales service It is quite apparent this idea of SILOS with particular expertise groups re inventing the wheel as they haven't looked into adjoining silos is a peculiar development in The world since the Internet accelerated the process of Expertise inflation. People stay in their lanes , occasionally something outside the Box ( SILO) comes along and seems obvious but no one saw it previously. We think Homeatix is like that. https://notthegrubstreetjournal.com/2017/01/29/red-lines-settled-science-the-end-of-history-and-entitled-facts-if-truth-were-subject-to-patent-law/ 
9 months ago we started thinking about shell and core lofts and sweat equity and affordable Homes.
Our first live project site was in Lea High Road , Lewisham and as you will see from the Investors Advice note a host of ideas and possibilities imagineered into view.
Homeatix Customers are our Imagineers.
Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice Everything we do is Driven by the Homemaker. 1. Site identification and acquisition and Planning permission. 2. Sales funnel coordination with Regional Site availability 3. Curation of customer demand into pre sold or prelet Developments 4. qualifying customers Mortgage status and coordination with BOPA’s and Insurance backed Higher LTV mortgage product 5. Facilitating Customer Orders into Assembly line programmes 6. Customer and after sales service It is quite apparent this idea of SILOS with particular expertise groups re inventing the wheel as they haven't looked into adjoining silos is a peculiar development in The world since the Internet accelerated the process of Expertise inflation. People stay in their lanes , occasionally something outside the Box ( SILO) comes along and seems obvious but for whatever reason no one else has seen it! Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice
Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice Everything we do is Driven by the Homemaker.
Home@tix means - Customer Choice Now! Your Choice of Design - Your Choice of Finance - Options? Your Choice
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— RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021
— RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021 — RealRLD (@rld_real_CPR) February 10, 2021
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