What is embodied energy?

When I was a loan officer and I had someone who wanted to refinance, I always showed my borrowers what I called the “break even point.”  That is, if a refi saved $100 per month but closing costs were $4,800, then the person would need to stay in the house with that loan for four years before the refinance paid for itself.  If the borrower wasn’t comfortable with that number and we cou Continue Reading

Reflections on recent shootings

First and foremost, my thoughts and prayers go out to the victims of the recent violence, and to their families and loved ones.  I can’t imagine what they must be going through.  At a neighborhood meeting last night, residents spoke about how the spate of violence has rocked our community.  People don’t feel safe in some of the most basic situations.  When neighbors see kids Continue Reading