Wednesday, May 11, 2011
Wednesday, April 20, 2011
Tuesday, July 13, 2010
The Housing Crisis: Investors

This NY Times opinion piece by Paul Reyes left a bad taste in my mouth. What Mr. Reyes seems to be missing is his own point. Alan, the savior of neighborhoods, is simply continuing a streak of predatory lending and crap renovations. The result will be owners with limited incomes who will need to make major repairs down the road. Guess what? These homes have no equity so these new homeowners will have to pay out of pocket or get more questionable lending to make these repairs. It seems the cycle continues on and on.
From the article:
True, the very speculators who helped lead this economy into a crisis are becoming an increasing part of the solution, especially as banks continue to shy away from financing, preferring instead to work with “all cash” offers. But if banks persist in their financial stubbornness, you could very well see such investors filling the financing void for a portion of the housing market — a longstanding trend known as “owner financing.”Here’s how it works: Alan buys property on the cheap — he sets his threshold at $50,000; other investors I’ve met set theirs even lower. He makes a few repairs (or not, depending on the condition of the property) and puts out a sign to attract a buyer.
In many cases, in poor and blue-collar neighborhoods especially, the would-be homeowner has trouble getting traditional financing from the bank. And this is where Alan and others fill the void left by the banks, financing a mortgage or even leasing with an option to buy. In the past, Alan had success financing mortgages to new buyers for a low down payment (around $5,000) and a reasonable rate of interest (around 10 percent). To protect himself — and to give him a return on his money so he could reinvest it — he’d set a balloon rate, in which the new buyer was given three to five years to find a conventional mortgage before the entire sum on the house was due.
I firmly believe we don't have a housing market currently. We have not bottomed out and new buyers looking at rehab of foreclosures are going to loose out in the end. We need some national leadership right now and a program to support it. More tax credits for first time home buyers are not the answer.
Monday, July 12, 2010
Portland's Worst Enemy: Itself

When neighborhoods, cities, and regions become to successful that people want to move there in droves it can sometimes have the impact that is not what that city had intended. Many places are the victim of their own success and it seems Portland these days is having that struggle about keeping its identity, while being on the national and international spot light.
Portland ranks high nationally for its rate of entrepreneurship, as measured by things like self-employment and the number of small businesses. Even during the recession, some local independent restaurants and manufacturers have increased sales and opened new outlets.
While other states lost workers, Oregon’s labor force grew because people kept coming. The livability crowd led the way: young, white, well-educated people drawn to an outdoor — and local — lifestyle.
“We get people who self-select,” said Joe Cortright, a longtime economist here. “And there’s no fervor like the converted.”
That does not mean the local economy has figured out how to absorb the stream of newcomers: the Portland area’s unemployment rate was 10.2 percent in May, compared with 9.7 percent nationally.
As the city’s corner coffee shops, indie bands and handmade bicycles have gained national and international renown, becoming — gasp — brand names, cries of corporatism have followed them.
Friday, July 9, 2010
Thursday, July 8, 2010
Housing Choice that is affordable

Two articles this week have proven that what we need in this country is not a fight of urban vs suburban and ultimately which is better. The NY Times article profiled this couple who had to move from the city to the suburbs to get what they wanted at the price point they could afford.
Ultimately, deciding which lifestyle best suits you — and where to buy — comes down to personal preferences. But if the deciding factor is the relative cost of each, the answer is quantifiable, even if it not immediately obvious given the different tax rates and other variables.
So we set out to do the math, based on an apartment and a house in the New York metropolitan area. Here’s what we found: a suburban lifestyle costs about 18 percent more than living in the city. Even a house in the suburbs with a price tag substantially lower than an urban apartment will, on a monthly basis, often cost more to keep running. And then there’s the higher cost of commuting from the suburbs, or the expense of buying a car (or two) and paying the insurance.
The NY Times math is very fuzzy and doesn't really prove much at all. Urban living can be quit costly, but so can the suburbs. The choices you make in regards to both is what really dictates costs. With the unaffordability of homes in NYC these folks decided to go to the suburbs. A clear lack of housing choice that is affordable for all.
In this post Joe Kotkin blasts Richard Florida for pushing a "back to the city" theme when that is not what is really happening. He blames the over abundance of downtown condos as one reason people aren't excited about the city. He clearly believes that the Amercian Dream is a singly family home. Kotkin states:
But the great migration back to the city hasn't occurred. Over the past decade the percentage of Americans living in suburbs and single-family homes has increased. Meanwhile, demographer Wendell Cox's analysis of census figures show that a much-celebrated rise in the percentage of multifamily housing peaked at 40% of all new housing permits in 2008, and it has since fallen to below 20% of the total, slightly lower than in 2000.
The problem again is that we deem suburbs single family homes on large lots and cities are high rise condo buildings. This simply is not the truth when it comes to many urban and suburban neighborhoods. Actually many places have a decent amount of mixed housing (single family, duplex, apartments, condos, ect.) so I am not sure why we have drawn this line in the sand.
What we need to discuss is how to provide housing opportunity for all people regardless of where they want to live. Not everyone in the suburbs wants a single family home and not all city dwellers want to live with 40 other units. Housing choice needs to be a key factor and the cost of that housing. I find all these arguments wrong because there are suburbs, long island for example, that are denser than some of our biggest cities. What we need to do is find a way to integrate these different housing typologies so that we can accommodate all our current and future residents.
Wednesday, July 7, 2010
Tuesday, July 6, 2010
The Great Plains: Making a Come Back?

For people who live in the Great Plain states this news is no big surprise. For quite some time people have known that salaries are relatively high when associated with the cost of living. A dollar goes a lot further in North Dakota than say on the east or west coasts. What also is a key factor is the high quality of life that people enjoy. I have always thought there would be a steady migration to the area because good jobs can be had, housing is affordable, commutes are short, and schools are good. Regardless of the suburban or urban conflict, living in one the Great Plain states has its advantages once you get past the stereotypes.
Joel Kotkin has this great article and explains what is happening to attract these new comers:
The trend has been particularly strong in urban areas. Based on employment growth over the last decade, the North Dakota cities of Bismarck and Fargo rank in the top 10 of nearly 400 metropolitan areas, according to data analyzed by economist Michael Shires for Forbes and NewGeography.com. Much of that growth has come in high-wage jobs. In Bismarck, the number of high-paying energy jobs has increased by 23 percent since 2003, while jobs in professional and business services have shot up 40 percent.
That’s not bad for a region best known by East Coast pundits for the movie Fargo. It got so bad a decade ago that even local boosters suggested North Dakota jettison the “North” to make the place seem less forbidding. Two Eastern academics, Frank J. Popper and Deborah Popper, predicted that the region would, in a generation, become almost totally depopulated, and proposed that Washington speed things along and create “the ultimate national park.” Their suggestion: restock the buffalo.
Nowhere is this potential clearer than in Fargo, which is emerging as a high-tech hub. Doug Burgum, from nearby Arthur, N.D., founded Great Plains Software in the mid-1980s. Burgum says he saw potential in the engineering grads pumped out by North Dakota State University, many of whom worked in Fargo’s large and expanding specialty-farm-equipment industry. “My business strategy is to be close to the source of supply,” says Burgum. “North Dakota gave us access to the raw material of college students.”
While Fargo is mostly known for the movie (although very little of the actual film takes place in Fargo) it might just be the next big urban destination in the upper Midwest after the Twin Cities.
Friday, July 2, 2010
Planes, Trains, and Flying Cars
Once again we prove that we just don't get it. We need fewer cars and planes and a lot more trains. The solution is not the flying car. Maybe these flying cars (which are right out of Disney cartoons) can be parked at the new Disney McMansions?
Thursday, July 1, 2010
Safeway leads the pack

I live in a wasteland of big box stores with miles and miles of asphalt. Well, not entirely true, but the Twin Cities is plagued with parking lot footprints that exceed the footprint of the store it is supplying parking for. I get frustrated because this is such a simple fix to create a more user friendly store in the core urban areas and even the suburbs. As with most things, we need an example we can point to so that the large retailers can see that it actually works.
This safeway in Georgetown is a becon of light:
The recently rebuilt "Social Safeway" on Wisconsin Avenue NW, at the northern edge of Georgetown, is not just another remodeled supermarket. It represents a positive evolution in thinking about merchandising strategy and about being a good citizen through pedestrian-friendly architecture and urban design.
This new supermarket follows a completely different set of rules than its predecessor. Safeway and other supermarket chains traditionally have adhered dogmatically to rules about selection of sites for stores and, in particular, rules about how such sites should be developed. And one of the primary rules was: Cars rule.
For decades, supermarket thinking was driven by one dominant premise. Motorists approaching a shopping destination absolutely had to see -- and expected to see -- a parking lot with plenty of spaces directly in front of the supermarket. Otherwise, it was assumed, they would drive elsewhere to shop. Further, part of the gospel was the belief that setting back a supermarket from the road gives drivers more time to see the store and read its signage.
Maybe we can bring this new concept to the Midway (picture above) in the heart of the Twin Cities.
Wednesday, June 30, 2010
Dubuque going Green
The residents of Dubuque, Iowa, have signed onto a unique experiment to revitalize their city though a focus on sustainability. Local historian and museum director Jerry Enzler shares a little bit of the background — where Dubuque came from — and how and why this focus on sustainability is important for his city’s future.
Tuesday, June 29, 2010
Redefining Human Capital

Cities seem to want the quick fix. These days the quick fix is paying Richard Florida large amounts of money to come to your city to "fix" whatever ails you. Create class, Human capital are all just gimmicks about how to attract or retain your residents. I think the recession has leveled the playing Field because the cool cities aren't that cool when you have been looking for work for 24 months and unemployment is about to run out and your $500 dollar rent (for that 3 bedroom you share with 5 people) is due.
Vincent Valk over at Next American City has this to say:
Urbanophile, aka Aaron M. Renn, suggests that cities work at finding a niche and exploiting it, rather than all chasing the same goals. “The question is what specific types of people you can attract to your city,” Renn says.
This hints at something larger, I think: an evaluation of what we really mean when we say “human capital.” People hear about “human capital” and “talent” and, at least in urbanist circles, tend to think vaguely of freelance graphic designers bringing bikes on to light rail while happily sipping flavored coffee (yes, I am stereotyping). But the world only needs so many designers, researchers and programmers. Is a good mechanic or electrician not “human capital”? How about high-tech factory workers, or medical assistants, or traveling salesmen
What does it mean to redefine human capital in your city?
Monday, June 28, 2010
Urban Farming in Birmingham, AL
The new movement has started and it seems we are all finally catching up. Urban Farming was an oxymoron for years. Why would we farm in the middle of dense, dirty cities. With the recent events it seems that land has become affordable enough that we can not use it for more than just development of retail, commercial, or residential. Green space is all the rage, but urban farming can provide a real benefit for neighborhoods with no real healthy food options.
Jones Valley Farm is just one of our recent urban successes. From the Grist article:
In fall 2001, Edwin Marty and Page Allison drove across the country, back home, to start a farm. That might be when the Breaking Through Concrete idea began.
Edwin and Page had been living on the West Coast, farming in Baja, Mexico, and instructing youth at Washington’s Pacific Crest Outward Bound School. The young 30-somethings belonged on the West Coast, surfing and teaching among the burgeoning, youthful tribe of educated, worldly organic farmers. But Birmingham needed them more than any of the progressive, farm-friendly towns out west.
Jones Valley Urban Farm began on a skinny vacant lot in Birmingham’s Southside neighborhood. Abandoned houses surrounded the weed-and-rubble-strewn plot. A corner convenience store across the street sold everything but wholesome food. The afternoon ice-cream truck supplied the freshest food for miles. That is to say, this food desert was not much different than most neighborhoods in downtown Birmingham and much of Southside. But, just up the street, Frank Stitt’s James Beard Award–winning restaurants were catching the first wave of the national Slow Food movement and tapping into the regional bounty of the Deep South, from Apalachicola Bay oysters to Black Belt, Alabama, produce. And every Saturday in the summer, the Pepper Place Market, about 20 blocks away, sold produce and fruit from Alabama farms to a growing consumer pool.
This would be great to replicate in our neighborhoods in cities through out the U.S.
Friday, June 18, 2010
Wednesday, June 16, 2010
Tuesday, June 15, 2010
OH NO! Guerrilla Gardeners

As usual cities can't even take advantage of residents that are willing to spend their own time and money to beautify the city. I for one am more than happy to see sprouting vacant lots, instead of trash ridden vacant lots. Guerrilla Gardeners seem to have gone to far and have come out of the shadows planting directly on city owned land.
From the Pioneer Press:
Tully Hall doesn't look like a criminal.She pays her taxes, loves her family and obeys the law — with one glaring exception.Hall is a guerrilla gardener. She plants flowers and vegetables on land she doesn't own — like a growing number of undercover green thumbs emerging from the shadows.
To Hall and her furtive cohorts, beautifying ugly land can't be a bad thing. "All it means is that a little bit of ground is being improved," said Hall, gazing at her 8-by-12-foot garden on city property behind her town home.
I say take Hall away like the criminal she is! What is even more ironic is that with all that is happening in the world this made the front page of Monday's newspaper.
Monday, June 14, 2010
New Streetcar Plan for Oakland - Cost $987

Since states and cities have less and less funds these days it would seem that to get things accomplished and cutting expenses would be at the top of the priority list. Anybody who has worker with any municipal body about a future project realizes that it can get studied to death and they pay a lot for those studies. Stanford University undergraduate Daniel Jacobson has started a new trend without even knowing it yet. Jacobson decided, with the help of a small grant, to design and do the feasibility work for a Oakland downtown Streetcar line. This seems like a great win win situation for everyone.
From the SF Chronicle:
The 20-year-old native of Point Richmond spent nine months of independent study producing a detailed and ingenious plan to revive Oakland's economy: build a 2.5-mile streetcar line that runs through the heart of the city, connecting Piedmont to Jack London Square. The plan would create up to 24,000 jobs, housing opportunities for an equal number of new residents and breathe life back into downtown Oakland.
Jacobson's plan is an impressive and comprehensive 140-page how-to manual on how to build, run, operate and finance a successful streetcar project in Oakland.
He lays out a route that would link two BART stations, the Oakland ferry, Amtrak and main AC Transit lines. He projects residential and commercial growth along the rail line, identifying 125 acres of underutilized land adjacent to the line. He provides job projections for the next 20 years. He also provides a road map for local, state and federal funding to pay for the $92 million price tag of the streetcar line.
Most students in urban planning, architecture, and design need to complete real world project in order to graduate. While some of this cross pollination has been happening (I remember working on a Staten Island project in graduate school), would it not behove cities to seek out programs and students to work on some real projects? The students get great experience and the city you get a clear vision and feasibility of the project. Seems like a great partnership in these budget cutting days. You can see the full study and plan here.
Thursday, June 10, 2010
Jay Walljasper hearts St. Anthony Park, St. Paul
From the Line:
Former editor of Utne Reader, author of The Great Neighborhood Book: A Do-It-Yourself Guide to Placemaking (New Society Publishers/Project for Public Spaces) and of the forthcoming What We Share: A Field Guide to the Commons, Jay Walljasper likes to stroll, explore, lounge at cafe tables, chill on park benches, meet friends, window-shop, and just generally enjoy the micro-environments called neighborhoods in the world's cities. He's got a trained eye for the little things that make neighborhoods great, and a sense of the history that lies behind those details. One of his favorite Twin Cities neighborhoods is St. Anthony Park, in western St. Paul. Join him as he strolls Como Avenue, pops into College Park, and celebrates the street life of this urban village.
Wednesday, June 9, 2010
Get on the Bus!

I really can't remember that last time I rode the bus, but this was a great story by MPR the other day about bus ridership in the Twin Cities region. While the good news is that ridership is up, this story really demonstrates that how our 50 years of sprawl are making it difficult for some to use public transit.
Americans collectively make billions of trips a year -- to work, shopping, to the corner store. But the number of trips made via mass transit is still a very small piece of the pie -- just 2 percent, according to some national research. On a given workday in the Twin Cities, fewer than 10 percent of commuter trips are by transit, according to the Metropolitan Council. But the selective use of trip statistics irks Twin Cities Metro Transit spokesman Bob Gibbons. Gibbons says a more meaningful measure is to look at how many people ride buses at critical times -- at rush hour, for example.
Metro Transit says its surveys show lots of people want to ride the bus. But there aren't any bus routes close to them, or bus trips take too long, or buses don't run often enough. The excuses, of course, are often true. Laura Graves describes as "fantastic" the bus service from Edina to downtown Minneapolis, when she worked there. Now she lives in Minnetonka with a job way across town in Woodbury, a commute that is a transit desert. "I investigated the bus option and there's nothing, there is absolutely nothing. There wasn't a way to make it work," said Graves. So, every workday she endures a 45-60 minute commute each way.
Tuesday, June 8, 2010
Bike Sharing has Arrived: Nice Ride MN

Our new bike share program in Minneapolis kicks off this Thursday. Over the weekend the docking stations have sprung up like daisies after a long rain. While I still remain a skeptic, I must admit that I am excited to see this infrastructure being put in place and will be happy to try it out in a few days.
The Start Tribune had this to say:
The annual celebration of alternative commuting will culminate Thursday with the official launch of a bike-sharing system in Minneapolis that organizers say will be the largest of its kind in the United States. Nice Ride will feature more than 700 neon green and sky-blue but otherwise sensible bikes docked at 65 solar-powered, automated kiosks around Minneapolis, where anyone with a credit card can check one out for a ride.
The idea, said Bill Dossett, executive director of Nice Ride MN, is to provide short-distance, fuel-free transportation (and exercise) to people who aren't bike commuters. "What it's all about is to make it easy for people who got downtown a different way to use a bike to take short trips when they're downtown," Dossett said. "They're for people who might like to take a three-mile trip to go buy something, or meet some friends, go hear music, whatever."
I'll have a full report in a few days after I take one of these bikes for a spin. I will say they are putting the bike stations close enough to make this a real viable option for the everyday person. In the meantime you can read all about the program here.