Showing posts with label property. Show all posts
Showing posts with label property. Show all posts

10 June 2025

Rethinking Affordable Housing and Sustainability

The traditional landlord-tenant model, while prevalent, often falls short in addressing the growing crisis of affordable housing and tenant security. Escalating rents, precarious deposits, and limited pathways to ownership create a system ripe for re-evaluation. A mass-scale solution demands a paradigm shift, moving beyond mere property ownership to embrace innovative, community-centric housing concepts that prioritize resident well-being, efficiency, and long-term sustainability.

Central to this new vision is the eradication of tenant exploitation, particularly concerning deposits. Instead of hefty upfront payments, alternative models could employ membership fees or communal investment funds that accrue value for the resident or are used to collectively manage property upkeep. Non-profit housing cooperatives or community land trusts (CLTs) offer robust tenant protections, establishing long-term, secure tenure that transcends the whims of individual landlords. These entities are governed by democratic principles, ensuring residents have a voice in decision-making, from maintenance schedules to rental adjustments, fostering a sense of true ownership and belonging without the burdens of a traditional mortgage.

Furthermore, these quality properties would be designed for efficient living, integrating smart design and modular construction techniques to reduce building costs and environmental impact. Emphasis would be placed on durability, adaptability, and high insulation standards, ensuring low utility bills and a comfortable living environment. Such properties are not just houses; they are thoughtfully engineered ecosystems, optimized for minimal resource consumption and maximum liveability.

A key differentiator lies in accessible buy-back schemes or gradual equity-building programs. Residents, through their sustained occupancy and contribution to the community, could accrue "sweat equity" or a stake in the property, offering a genuine pathway to full ownership. This could involve fractional ownership models or pre-agreed purchase prices, allowing tenants to invest in their future without the prohibitive entry barriers of the open market. Upon leaving, their accumulated equity is returned, providing a crucial stepping stone to subsequent housing.

Crucially, these properties would be designed to generate revenue and contribute to their own sustainability. Advanced systems would capture and reuse greywater for irrigation, reducing municipal water demand. Integrated anaerobic digesters could convert sewage and organic waste into biogas, generating clean energy for heating and cooking. Solar panels would also play a vital role, harnessing renewable energy from sunlight to power homes and communal facilities. Beyond energy generation, solar panel moisture collectors could be integrated to convert water vapor from the thin air into potable water, drastically enhancing water self-sufficiency. Micro-hydro systems, leveraging running water where feasible, or biomass energy plants could further offset energy costs, potentially turning properties into net energy producers. This surplus energy and saved resources could then be fed back into the communal fund, further subsidizing housing costs or enabling community improvements, creating a virtuous cycle of affordability and environmental stewardship.

This integrated approach represents a profound transformation: from a market-driven housing system to a resident-driven, resource-efficient, and equitable one. It’s a bold step towards a future where affordable, quality housing is a right, not a privilege, fostering resilient communities and sustainable living for all.

12 January 2023

Top UK Villages

  • Hodnet, Shropshire
  • Saltaire, near Bradford, West Yorkshire
  • Forest Row, near Crawley, East Sussex
  • Craigellachie, Moray
  • Abersoch, Llyn peninsula, Gwynedd
  • Church with Chapel Brampton, Northamptonshire
  • Castle Combe, near Chippenham, Wiltshire
  • Braemar, Aberdeenshire
  • Alderley Edge, Cheshire
  • Burnham Market, Norfolk
  • Studland, near Poole, Dorset
  • Harome, near York, North Yorkshire
  • Great Tew, near Banbury, Oxfordshire
  • Ballygally, near Larne, Co Antrim
  • The Witterings, near Chichester, West Sussex
  • Hopeman, near Elgin, Moray
  • St Mawes, Roseland peninsula, Cornwall
  • Mells, near Frome, Somerset
  • Solva, near St Davids, Pembrokeshire
  • Walberswick, near Southwold, Suffolk

2 February 2017

Text-Driven Forecasting

Text-Driven Forecasting is about building systems that are able to predict on the future by analyzing collection of a body of natural language documents. Often they predict numeric quantities about a certain event based on various textual sources/feeds (e.g. news, twitter, facebook, polling data, opinion blogs, financial reports, amazon reviews, economics data, etc) as input and gather information gain from aspects of sentiment analysis and subjectivity. Machine Learning algorithms that can be applied to such a domain can range from regression, deep learning, decision trees, and others. 

Examples:
Predicting movie reviews using social media
Predicting opinion polls using social media
Predicting stock volatility using financial data
Predicting government elections and referendums
Predicting product sales using social media
Predicting property prices in the future
Predicting risk of a potential course of action or decision

smith whitepaper

Related Courses & Resources:
Priberam Labs
Social Media Analysis & Computational Social Science
Natural Language Processing & Social Interaction
Computational Social Science
Social & Information Network Analysis
Text as Data
NLP for Social Science
Computational Social Science
Computational Linguistics / Computational Social Science
Predicting Economic Indicators from Web Text Using Sentiment Composition
Making Predictions with Textual Contents

16 March 2014

Smart Property Services

We live in a society where people want more out of data. And, yet there is so much of an information explosion that we require more context and smarter aligned services to our personalized needs. Property services are quite a drag and yet people want to derive more information about their local areas, about how their property prices are fluctuating. Even buyers and sellers have different contexts of needs for information. The complexities are further compounded by the different ways cities operate and the legal aspects to it all. There are many property search sites available on the internet. There is even an explosion of estate agencies. It would help if property services could do more for the buyer, seller, and the tenant. Open urban data certainly helps for clear visualization of patterns. But, it is also important to know the right places to look as well as the history of the property. Doing excessive background checks on tenants does not help either because it does not tell clearly enough about a tenant. Or, whether a seller or a buyer is likely to back off on an offer. Or, even if a mortgage application is likely to be approved. People want smart services that can do more than provide a list of information. They want to be assisted through the many unique and typical concerns that at times need to be personalized to each individual circumstances. Even smart calculators and planning tools help to alleviate much of the grind work. There are also very few smart services out there to help the tenant, the student, or even a first time buyers. There is also a lot of options to add semantic contexts to services. Buyers and sellers want to be able to make informed decisions. And, tenants want to be able to find accommodations as fast as possible, and with their specific circumstances knowing all the information about locations and their chances of getting a place for the right value. Perhaps, there needs to be more done in the property domain to cater for the many unique needs in form of creative and intelligent applications that can provide for a clear informational visualization with intuitive interaction designs. 

14 December 2012

Tenants, Estate Agents, and LandLords

Estate agents should be best avoided. They charge tenants for admin costs, inventory costs, credit checking costs, and whatever else including as far as lying and covering up stuff to get a fast deal. As a tenant one is best to approach the landlord directly. Estate agents care very little about tenants and more about landlords. They are more interested in tenants at time of transaction after which they literally cannot be bothered unless it involves a landlord having a dispute such as with late rent. And, even then they would rather create more problems than mediate because in fact it means a potentially new opportunity to get a new tenant transaction. Most landlords are generally fine with late rent payments as far as they are aware that one is always paying their rent with diligence. However, the more you learn about a landlord before signing an agreement the better. Tenants are often caught out by either bad landlords, bad estate agents, or both. You may find one of the typical encounters where rent is expected to be paid on time and yet perhaps, contracts or inventory checking has been delayed almost by months. If one has not received a signed copy of tenancy agreement or even an inventory report by move in date then delay the next rent payment by all means until it is received. It is surprising how little tenants rights there are in UK compared to landlords. If one looks at any tenancy agreement the tenant requirements are multiple pages long usually compared to a half page landlord requirements. Tenants also need to be able to do background checks on landlords as well. It seems like every one wants tenant personal details, at times a bit too much, and yet they all seem to protect the rights of the landlord. Especially, if a tenant undergoes a credit check through an estate agency and they use a third-party it may be deemed on the tenant to pay the costs as well as the risk of getting incorrect links against their profile. Credit checks are not very reliable sources of information. They do not work in real-time nor do they provide fully up-to-date and accurate information. It seems like tenants have a lot to lose than a landlord in many respects. Also, it is in best interest of tenants to be informed about the asking rental price as well as the valuation price so they are able to better assess whether the actual rent is worth the price. At same time, when tenants start to spend a lot of rent perhaps they may also ponder at the option of getting a mortgage instead, or even part buying. It seems as a long term living as a tenant is not a very viable option for many and soon people will almost always decide to get a place of their own. Living under the roof owned by someone else is always a very limited and restricted form of accommodation. Another factor, is when one does decide to move out, the agents are always around trying to do their viewings and all of a sudden the accommodation not only becomes frustrating but it ends up feeling like a display gallery. There really are very few rights for tenants or even for their invasion of privacy. The best option really is having your own place.