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Links 1 through 10 of 1296 Dan Paluska's Bookmarks

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stove technology reports from aprovecho research center.

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In 1999, 35 million small family plots produced 90% of Russia’s potatoes, 77% of vegetables, 87% of fruits, 59% of meat, 49% of milk — way to go, people! And since 1999, it seems things have only gotten better when it comes to small-scale agriculture in Russia. A Russian family by their Dascha, or family plot A Russian family by their Dascha, or family plot In 2003 the Russian President signed into law a further “Private Garden Plot Act” enabling Russian citizens to receive free of charge from the state, plots of land in private inheritable ownership. Sizes of the plots differ by region but are between one and three hectares each [1 hectare = 2.2 acres]. Produce grown on these plots is not subject to taxation. A further subsequent law to facilitate the acquisition of land for gardening was passed in June 2006.

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Housing ratio (or "front-end ratio"): Lenders want your total mortgage debt (called PITI — an acronym for Principal, Interest, Taxes, and Insurance) and condo fees to be no more than 30 percent of your gross monthly income; 28 percent is standard. Overall debt ratio (or "back-end ratio"): These are revolving monthly payments, such as credit card, car lease, or loan payments, student loans, child support, alimony, monthly utilities. (They do not include those lattes, but you might want to plug in your lifestyle expenses for your own sake.) The ratio should not be more than 36 percent.

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Determine your mortgage limit Create your expense snapshot — listing all expenses in your current budget Estimate potential homeowner expenses and include them in your snapshot Estimate your monthly payments using an online calculator Calculate your debt-to-income ratio to determine your mortgage limit Decide how you will make a down payment and how much

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A chance encounter with a "black-hatted man" prompted Brende and his new wife to move to a religious, "Mennonite-type" community that in many respects makes the Amish seem worldly, where he hoped to pare his environment down to "a baseline of minimal machinery" that could sustain human comfort while allowing him to stay off the power grid.

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