Establishing A Sustainable 21st Century,
Regionally Based Nationwide Housing Finance System.
Knowing that America is divided into literally tens of thousands of communities that exist in virtually thousands of regionally diverse geographical environments, it must also be known that while our nation’s population is spread about physically throughout these regions, socially and economically as well as educationally we are not as a whole society at all as diverse as the geographical regions we actually live in and are supposed to be in charge of caring for and managing.
As the geographical areas we live in are constantly evolving and in doing so causing all of us to question how we interact physically with such issues as climate fluctuation, how we can continue to travel in and through these regions efficiently and affordably, how we upgrade the host of public utilities relied upon within these regions, how we can afford to build energy efficient residential architecture on a home by home basis, all of theses issues and many more demand a most comprehensive reassessment of the approach we collectively as a nation have the capacity to figure out from a regional economic development standpoint.
Unfortunately, access to and continuing accumulation of technological information that would essentially enable us to prosper from the successful economic and industrial application of such information within a regional or localized framework is hopelessly muddled and as a result has very little face value in our 21st century America economy today.
Thus, as we are a nation ripe with an overstock of overvalued and ancient, under engineered residential housing units that at one period in our industrial history reflected the fact that such housing was built within a particular region with a particular emphasis on the use of materials that came from that region or the particular economic exploitation of those materials and the energy extracted from those materials, the greater 21st century conversation of broad based nationwide re-management of regional natural resources and the subsequent redefinition, re-engineering and re-use of regionally based construction raw materials and energy sources derived from the above mentioned ancient industrial blueprint continues to escape us.
Yet, if we are to successfully execute any aspect of our nations’ 21st century mixed energy use industrial and economic growth policy, understanding the geographical history of our varied regions is crucial not only to the growth of new public utility sectors but the equally valid and true measurement of both residential property valuation and the subsequent capacity to finance whole house retrofitting via mixed energy use public utility finance models as well as local municipal bond models. As such understanding is crucial, regionally re-managing our nation’s natural resources once again from a truly regional perspective albeit with a fairly advanced technological twist is the answer.
How Do We Really Establish A Sustainable 21st Century, Regionally Based Nationwide Housing Finance System?
In order to understand the basic, basic, basic concept of industrial economics one must have an equally basic understanding of industrial mechanization and/or industrial process.
It is also quite helpful to have a rather equal sense of basic social/industrial common sense.
Within the framework of social/industrial common sense then is the greater understanding of common social values as those values pertain to common industrial values and common economic values.
As common industrial values are the simple expectations we as a whole educated American industrial society have of all technological processes to interact smoothly with one another, common economic values simply concur that as a result of a smoothly operating industrial sector, real money can actually be earned, managed and disbursed within a similar common sense educational framework. As job creation clearly resides within this common framework, home ownership does as well.
Residing equally within our American right to a have a job and own a home is the right and the responsibility of regulatory bodies to cognitively re-manage the manner in which we as Americans expend the very natural resources that produce the raw materials of our collective national industrial economy.
As today in our collective national economic perspective virtually all of these rights and many more have been negatively compromised or confused to the point of barely measurable national industrial productivity, benchmarking our larger capacity to end negative compromise must ultimately be the outcome of legislative agreement between our Congressional and Senate leaders to deconstruct rapidly, decisively and compassionately any form of legislative initiative that does not serve to directly guide our nation towards holistic mixed energy use industrial growth policy.
As that industrial common sense growth policy should clearly and simply state that among other things job training as that job training is directly related to regionally based technologically advanced reuse of our body of natural resources via the highly supported growth of entirely new industrial energy sectors, and, as such, both employment and educational initiatives clearly have the capacity to create true, regionally based, positive private sector home mortgage valuation while simultaneously producing much healthier bond ratings for communities and regions integrating all of the above seamlessly.
Yes this is a long sentence.
As historically, mortgage evaluation since the 1930s has been underwritten and guaranteed by host of federal home loan guarantors and from the same regulatory package, public utility power generation has been guaranteed as well, the new guarantor of both long term public utility viability and long term thirty year fixed rate residential mortgage insurability (which is probably an arbitrary number) is obvious.
As I am all but convinced that such a regulatory body (and related sub regulatory bodies must ultimately come out of the final industrial maturity of the wholly immature Environmental Protection Agency, I am equally convinced that allowing private sector development of whole public regionally based public utilities will, through highly disciplined, federally based, regulatory authority, assure the industrial and economic continuity of our job creating nation while in the same breath, serve to cross blend seemingly unrelated regulatory agencies for the specific goal of establishing new and highly sophisticated economic relationships between industry and government well into our collective 21st century industrial future.
An example of the above thought is as follows.
Currently we as a nation have a federal agency entitled The United States Department of Transportation. We also have a federal agency entitled The United States Department of Housing And Urban Renewal. Then we have The United States Department Of Energy. Each of these agencies have historically been assigned the task of keeping the roads we travel upon and the homes we live and the energy infrastructure we rely upon in relatively good, safe and financially viable for all who live in America. Whether you agree or disagree with what I have just said on a personal or political level has virtually no relevance.
On an advanced 21st century industrial and economic level however, our combined national intellectual and technological maturity over the course of the past thirty years has caused a whole lot of economic anger due to the fact that while the guys and gals working in industries that are regulated by the guys and gals these three agencies represent have been evolving transportation technologies, public utility technologies and home building technologies that are clearly causing a rather exiting and new dynamic that is both industrially relevant, economically viable and quite sexy socially to unfold. As natural gas is sitting there waiting to be applied in the advanced heating of our homes and the partial powering of micro-municipal electric utility generation, it is as well sitting there to be pumped into the automobiles that are awaiting to be parked in our garages across every geographic region of our United States of America. As then natural gas is a cross over energy source, the technological advancements within this one energy sector is clearly causing “cross over regulatory fragmentation”.
Is natural gas a car or is natural gas a house or is natural gas a public electric utility?
Of course it is all three, and, as it is, its use has a direct bearing on how we as a nation of genius men and women frame the set of interpersonal private sector social/industrial dynamics with the matching set of regulatory social/environmental management dynamics that simply make both entities work. The moment we as a nation can come to micro-decipher, and, subsequently micro-regulate our collective regulatory mindset, funding and economic fluidity will emerge quite effectively in virtually every sector of our US economy.
In other words, regional based development of micro-based public utilities and by regional I mean that such regions may be made up of areas locally that could conceivably be as small as 100 square miles, it is well within the technological, educational, regulatory and financial framework of geothermal technologies, natural gas technologies, solar or wind technologies, biogas technologies grouped within highly integrated micro public utility frameworks to develop truly sustainable financial relationships with much more substantial macro-based national energy grid sectors that produce not only jobs but the public and private sector educational parameters required to train workers to fill those jobs while in the same breath guaranteeing the regional valuation of personal residential property that has been retrofitted to work entirely with the various public utility grids that service that state of the art 21st century home.
Thanks for stopping by.
Mike Patrick Dahlke
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