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My Health and My Finances

Laird's Blog -

This is an appeal for financial support. It has not been easy for me to write this, but it looks highly likely that my medical expenses in battling cancer will exceed my savings and I need help. 

I made the decision back in my 20s that by choosing to live in an income-sharing community (when I started Sandhill in 1974) I would be devoting my life to social change work and taking the radical step of redefining security in terms of relationships instead of bank balance. I'm about to find out how well that works.

As most of you know, I'm sick. In January I discovered I have an aggressive form of multiple myeloma and my #1 job right now is getting well. That means trying to place the cancer in remission so that I can resume my life's work: building a better world through articulating and promoting community and what it takes and on a day-to-day basis to live cooperatively.

The good news is that I have a decent chance of weathering this storm. A lot of progress has been made in treating multiple myeloma in recent years and I'm about to go to Mayo Clinic to undergo a stem-cell-transplant, designed to restart my bone marrow by wiping out the cancer there (the site of my cancer) and recolonizing it with my own healthy stem cells. This is the latest thinking in how best to treat my condition. With luck, it will knock back the cancer and open a window in which I can enjoy a good quality of life for years ahead. How long that window will remain open is the $64,000 question. It varies from person to person.

Where Medical Costs Swamp My Bank Balance
I am five months and counting into heavy-duty medical treatment with at least two more months of serious expenses ahead of me, after which I'm not sure what to expect, but I think it's reasonable to project some maintenance medicine will be ordered and that will mean further expenses.

While I am fortunate enough (by virtue of being over 65) to be eligible for the protective umbrella of Medicare—and have secured excellent supplemental insurance through Medica—I am still on the hook for some fraction of my expenses. This means that most of the staggering medical bills that I've been generating (as I follow the advice of my oncologist) are covered by either the federal government or by my insurer. Please note however, that most is not the same as all.

So my costs have been mounting and the end is not yet in sight. On the other side of the equation my income has mostly dried up (because my debilitated health makes it difficult to travel to clients) and I am facing the music for having lived a life that did not emphasize financial accumulation. Thus my savings are modest and it appears inadequate to handle the entirety of my health care bills. Hence this appeal.

Unfortunately, I cannot offer donors a tax deduction. I investigated setting up a Health Savings Account (which offers contributors a tax deduction), but I'm not eligible for that by virtue of being on Medicare.
I have known for many months that this was coming but have been putting it off, both because I was hoping for better information, and because it's awkward asking for support. As someone who managed FIC's Development program for 17 years I got to the place of being comfortable asking others to contribute to a worthy cause. And when Geoph Kozeny was diagnosed with pancreatic cancer in 2007 I cheerfully took the lead on getting $20,000 donated to cover his medical expenses. But asking for myself is harder.

The Back Story It was just about a year ago that I pulled up stakes in northeast Missouri after 41 years and moved to North Carolina. While my time as a Tarheel proved to be all too short (the down side was that I was really looking forward to seeing what I could create with Joe & María; the upside was that it was terrific moving to Duluth to be with Susan six months later), it marked the first time since 1971 that I was solely responsible for my own finances. It was an experiment to see if I could return to the work-a-day world as a financially self-sufficient adult.

It's now a year later, and the experiment continues. While the first half year went fine (I had steady work as a consultant), everything slid into reverse the second half, which has mainly been characterized by my suddenly needing to cope with the expenses of treating multiple myeloma.

A number of people close to me have discreetly inquired if I have enough money to cover my bills. The truth is, I'm not sure. I face a double whammy in that I'm accruing medical bills at a frightening rate and am simultaneously sharply diminished in what I can earn. Since I was hospitalized and discovered my cancer in January, money has been flowing out much faster than it's been flowing in. Taking stock of my finances today, on the verge of my going down to Mayo for a stem-cell transplant, my treatment is about to enter a new phase. While I will soon cease twice-weekly infusions in Duluth, those costs will be replaced by ones in Rochester, where I will be seeing medical professionals daily for about six weeks. Plus I'll need to cover my housing at Transplant House (while much more affordable than staying in the hospital, it isn't free). Thus, the health care meter will still be merrily ticking away at least until mid-August.
My financial reality over the prior 12 months partitions neatly into two disparate segments, each about six months long. At first, I reaped the success of my Dr. Jekyll consulting, characterized by steady work and limited expenses. While that put my bank account seriously into the black, the wheels fell off my financial wagon when my lower back pain flared up again in mid-December. It turned out that was a harbinger of bad news coming: the revelation of my cancer at the end of January. Essentially, Mr. Hyde had taken over the reins of my financial conveyance.
Today, even with insurance in place, I am puzzling out how much I am personally responsible for my medical bills. While the lion's share of the costs will be covered by Medicare and Medica, I am nonetheless on the hook for some fraction of the total bill and if the grand sum is grand enough—and believe me, mine is spiraling into grander territory all the time—even a small fraction of the total can be eye-popping. Here are the vagaries I'm wrestling with:

Financial Uncertainties Going Forward
o  Have I seen all the bills for work done so far (or will more trickle in later)? I have already had multiple experiences with people from Accounts Receivable (from various health care providers) telling me face-to-face that the bill they were handing me was complete, only to have them come back later with additional charges that they expected me to honor. Grr.

o  Is the accounting accurate? Has Aetna (my supplemental insurer Jan 1-March 31) paid everything they should with respect to my various bills? I have gobs of paperwork in hand (good) but it will take me hours to pore over it all checking for mistakes and inconsistencies (not so good). I have to keep in mind that as far as Aetna and St Luke's Hospital are concerned, both are more than happy to have me pay more, and I can't count on them holding my financial interests closest to their hearts—however much they tell me otherwise.

o  How much will I be expected to pay for the six weeks of treatment I'm about to undergo at Mayo Clinic? In addition to having limited familiarity with how Mayo charges, much depends on how I respond to treatment. If all goes well, the entire procedure will be done on an outpatient basis, which means no overnights in the hospital. As you might expect that will help contain costs substantially, but it is not prudent to base expected costs on the best possible outcome. It might be more expensive than that. In fact, it might be a lot more than that.

o  What kind of medical expenses will I be facing after I return home from Rochester? Even if I come through the stem-cell transplant with flying colors (hey, I'd consider walking colors to be a great outcome), my oncologist may recommend an ongoing course of maintenance chemotherapy, for which there will be additional costs. If my doctor tells me to take x—with the intention of keeping the light of my cancer under a bushel—I'm not going to compromise my health to pinch pennies. Rather, I'm going to take x now and figure out how to pay for it later.

o  How quickly, if at all, will I be able to return to consulting work, and therefore able to reverse the tide of my cash flow and start to see it coming my way again? I have work penciled in for September and October. Will I be well enough to answer the bell?
• • •The upshot of all this is that I don't have a clear picture of what I'll ultimately be paying to treat my cancer. While I have cash in hand to cover all the bills that have reached me so far, that's about all I have. I'm not confident that I have all the bills for the care I've received to date, I know there are more coming, and I don't know how quickly I'll be able to earn money again. 

Seeing this coming, I have been careful about paying down my bills. (Fortunately, no care provider is withholding service until I'm more current.) I have been managing my dwindling funds to make them last until I can see money coming in again—hopefully sometime this fall, but it may be later. Happily, care providers are mostly wiling to work with patients who are financially strapped. Thus, if I owe the hospital over $5000 (which I do) they are OK with my making payments of $100/month. By stretching out my payments, I manufacture some wiggle room.

What if the amount I raise with this appeal is more than I need to cover my medical costs (a nice problem to have)? As most of you know, one of the things I am prioritizing now that I've retired from FIC administration and have been facing my mortality is work on one or more books about group dynamics, starting with one on consensus. With that in mind I propose earmarking any surplus to help publish my writing. I have not yet turned my attention to how I'll get published so any extra funds will be most welcome there.

If you are moved by this appeal to make a contribution to my heath care, please mail a check made out to Laird Schaub to:
1014 Chester Park Dr
Duluth MN 55812

Alternately, you can send a contribution via PayPal, using my email address: laird@ic.org.

Thanks for considering it.

Radish Collective

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Website: City: Boulder State: Colorado Zip: 80303 Contact Email: kgjohann@gmail.com Content Phone: 219-765-4929 Contant Name: Kata, River, Hana, Ricchi, etc.

¿ Qué es el cohousing? Viviendas colaborativas, envejecer entre amigos - El Recado de Miramar

Cohousing News from Google -

El Recado de Miramar

¿ Qué es el cohousing? Viviendas colaborativas, envejecer entre amigos
El Recado de Miramar
Comenzamos con este artículo una serie centrada en el modelo residencial denominado “cohousing”, “covivienda” o “jubilar”. En este y los siguientes posts queremos difundir y debatir sobre este tipo de entorno, favorecedor de una forma de vida que ...

Google News

One Year and Counting

Laird's Blog -

Yesterday Susan and I celebrated the anniversary of our first date together, in five-part harmony. As it was a Thursday, Susan put in her normal five-hour shift at St Paul's Episcopal Church, and our special time together ensued. It was especially fun to recognize how much I have been able to acclimate to local options in my first year.

1. Duluth Public Library
After eight hands of gun rummy (an afternoon staple) in which Susan walked away with an easy victory, we drove through an unsettled sky (featuring patches of brooding, gray nimbi alternating with windows of brilliant sunshine) to get to the downtown public library. Susan helped me register for a card about a month ago and it was time to rotate stock. In addition to securing a pair of Jeffrey Deaver pot boilers I managed to find a copy of Monique Truong's The Book of Salt. Is there any sense of security quite like having good books lined up for the month ahead?

While it's unclear how much reading energy I'll muster at Mayo's as I recover from my stem-cell transplant, I certainly don't want to be caught short.

2. Zinema
From the library it was a brief drive down Superior to get to Zinema, the avant garde theater downtown. There we caught a matinee showing of The Lobster, last year's mirthless exploration of a dystopian future in which unpartnered adults have 45 days to find a soul mate or are ruthlessly weeded from the population by being forceably turned into an animal and released into the woods—where renegade loners roam at large. (Yes, we had a lot of questions, too.)

It stars Colin Ferrell and Rachel Weisz (with John C Reilly in a supporting role as a lisping man who has trouble controlling his urge to masturbate). It was a disturbing film all around. While the box office appeal was dubious (Susan and I constituted two-thirds of the paying audience) it nonetheless helped work up a powerful appetite—which was our modest reward for having forsworn popcorn.

As someone who has devoted his life to promoting community and understanding both its appeal and its inaccessibility, I have necessarily come into close contact with a variety of dystopian fiction over the years—the better to appreciate what people fear about living closely with one another. Thus, I have read or seen:
—1984 by Orwell (1949)
—Blade Runner with Harrison Ford (1982)
—Margaret Atwood's The Handmaid's Tale (1985) and Oryx and Crake (2003)
—Children of Men by P.D. James (1992) though I haven't seen the 2006 movie based on the book, starring Clive Owen
Occasionally we come to know a thing more surely by the aspects that we don't want it to be, than by being able to articulate what, exactly, our city on a hill encompasses. Thus, the elusive qualities of community can be glimpsed from both sides of the street.

3. Bookstore at Fitger's
As we tried to puzzle out what the movie was all about, we continued our crawl up Superior to the refurbished Fitzger's Brewery. This lovely complex (of inn, brew pub, gourmet kitchen supplies, Mexican restaurant, bookstore, etc.) right on the shores of Lake Superior represents some of the best of Duluth, where locals have raised the bar (rather than razed it) by embracing their heritage to preserve some funky blue collar architecture replete with local flavor.

Like ciies all over the upper Midwest, Duluth had its own successful brewery for about a century (1857-1972), but Fizger's finally succumbed to the economic pressures of macro lagers (think Budweiser, Coors, and Millers) and disappeared under the successive waves of so many Clydesdales and silver bullets. Happily (or perhaps in this case, hoppily), locals bought the facility in 1984 and developed the concept of a boutique shopping complex that has ultimately been anchored by a hotel, and has fresh beer being brewed again on site. Opa!

We stopped here to do a bit of targeted shopping for my grandson's 5th birthday. They have a basement bookstore that reliably features local authors and I secured a copy of Little Elephants by Graeme Base (author of Animalia and Eleventh Hour). Meanwhile, Susan bought me a signed copy of Chester Creek Ravine, a collection of haiku by Bart Sutter, the port laureate of Duluth. Not coincidentally, Bart, just like Susan and me, is a 49er‚ which the two of us consider to be a vintage year.

4. Northern Waters
We followed up our successful book foray by moseying up the hill to the Mount Royal neighborhood, and an early dinner at Northern Waters. This restaurant was opened in the winter as the second facility operated by Eric Goerdt, following his fabulously successful smokehouse, located in the bowels of the DeWitt Seitz Marketplace in Canal Park since its launch in 1998.

Northern Waters is a great story about a local guy making good, taking local ingredients and becoming obsessed with smoking fish and meat. Springboarding off the brisk lunchtime sandwich business he'd developed at his original location, Goerdt decided to branch into restauranteering. At his second location (where we ate last night) you can tell immediately that something unique is happening. While there is a well-upholstered run of de rigueur booths along one wall, the remainder of the seating is surprisingly open, highlighted by one long wooden table in the center where clients dine communally (your group is shoehorned in with everyone else to minimize empty seats). You can also sit at the bar, by yourself at the front widow (a la Starbucks), or in one-off arrangements of odd-lot cushioned chairs that are casually arrayed around low tables.

The obvious point of this open layout is high octane mingling—dining as a social occasion, rather than as a mundane solitary act (like filling the gas tank) or an opportunity for rendezvous (let's tryst again like we did last summer). While we lingered there for about 90 minutes on a Thursday evening, Susan (the well-established local) pointed out that a city councilman, the mayor, and other up-and-coming politicos waltzed through at various times to amicably work the crowd. And I thought we were just having dinner!

As you might expect, Goerdt takes seriously his role as a market maker in defining beer and wine selections that are distinctive yet not budget crushing. It's a bull market out there these days and you really can't be a player unless you're willing to roll up your sleeves and take a stand. Thus, he offers five reds and five whites, all available by the glass or by the bottle.

For those favoring malt, he's got half a dozen beers on tap (plus a robust selection of back-ups in bottles) so there's really no excuse for leaving thirsty. 

Most distinctive of all, at Northern Waters tipping is expressly discouraged. Goerdt figures, and I agree, that it's confusing enough to navigate fair compensation for under-paid wait staff, so why go there at all? Instead, they pay staff a living wage and tell clients to knock it off with the tips already. Talk about radical! It changes the dynamic of how you relate to the person serving you. You can let go of any cynical supposition about how smiles may correlate to expected remuneration. They just want you to have a good experience and to come again. The wait staff becomes more of an active partner in the dining experience, where everyone wants it to go well. Refreshing.

Susan ordered the Salmon Satay, fillets grilled on skewers, served with coconut rice and Asian slaw. I countered with a rack of lamb with cannellini beans cooked down in mirepoix (the menu come-on advises, "it's like prison food in France in the 1800s"). For a finale we split a scoop of in-house cranked vanilla ice cream, slathered in a salted caramel sauce. Mighty fine.

5. Bedroom
While there was nothing peculiar to Duluth about how we closed our day (bedspring braille, where you let your fingers do the walking), it did help that with outdoor temperatures comfortably in the 60s that we needn't worry ourselves with overheating. Without getting into details, suffice it to say we were highly appreciative of my gradually increasing stamina and flexibility (do you ever have too much?)

I'm already looking forward to next year.

Odiyan Retreat Center

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Website: http://www.volunteer.odiyan.org City: Cazadero State: California Zip: 95421 Contact Email: volunteer@odiyan.org Content Phone: 510-981-1987 Contant Name: Leigh Deering

Housing, commercial uses floated for Marshall, Jefferson school sites - Sacramento Business Journal

Cohousing News from Google -

Housing, commercial uses floated for Marshall, Jefferson school sites
Sacramento Business Journal
Developers have expressed strong interest in both the Marshall and Jefferson school sites in midtown Sacramento, suggesting concepts involving housing and commercial uses for the shuttered buildings. In response to a request for letters of interest ...

Community at the End of the Block

Laird's Blog -

Jean and Larry live two doors down from Susan and me, at the end of the block. They are close neighbors, and, more importantly, they are becoming close friends. 

Sunday they hosted a lovely midsummer afternoon gathering of long-term neighbors. There were four couples, all of whom (excepting me) have lived within easy walking distance of one another for decades. Sunday was just the latest opportunity to celebrate that camaraderie—over wine, cheese, and conversation on the back patio.

I am shining my light on that interlude because it is a manifestation of community and that remains a central focus of my life, even as I no longer live in the intentional variation. Over the years I've remained as dedicated to community living as ever, but I am less attached to any particular form of it. To be sure, I have my favorites (the quirky and often misunderstood world of income sharing, which has always worked well for me), yet they all count and I am loath to fall into the trap of getting righteous over structure.

At heart, the central challenge of community is social: the quality of relationships among the people who comprise it. And those relationships are no less genuine because you do or do not own property together. While it's true that certain arrangements of joint ownership are likely to afford members additional opportunities to share their lives in meaningful ways, there is no guarantee that they will do so, or that they will handle awkward moments well—which is the essential litmus test of community: when the stakes are high and members disagree, does that bring the community closer together or strain the relationships?

After living in intentional community in northeast Missouri for four decades that I'll always cherish, it has been humbling to be the new kid on the block among Susan's closest circle of neighborhood friends. (It is a marker of Susan's status in the group that the other six have been both cautious about my admittance (was I good enough for Susan?) and yet open to embracing me when I'd passed the bar—the first person to pass muster since Tony (Susan's husband and my good friend) died 12 years ago.

I have been relishing my role as rookie and supplicant in the informal (read undocumented) though no less sincere dance of assessment and acceptance. The group has carefully, gradually created something that they cherish and they are understandably deliberate about the circumstances under which they'll crack the door open. In a way, I have the opportunity to take what I have learned about community living and distill it down to an essence that can be accurately applied to this divergent set of conditions. 

It turns out that connections of substance are valued universally and the language of heartfelt caring exports easily. As a parallel I am reminded of what Supreme Court Justice Potter Stewart had to say about hard-core pornography: I may have trouble defining it, but "I'll know it when I see it." I feel that way about genuine community—in contrast with what M Scott Peck styled "pseudo community" in A Different Drum.

As I look ahead to what the remainder of my life has in store for me as a cancer survivor, I intend to continue to till the fields of community. This honors both my years as a homesteader and my decades as a community builder. It is who I am. Fortunately, community is needed everywhere and thus one cannot make a mistake in location. There is work everywhere and I am hopeful of being able to continuing to travel to ply my craft. 

I await the results of my upcoming stem-cell transplant to see what success I'll have in curbing my multiple myeloma. If it goes well, I'll have the stamina and constitution to resume my career as a cooperative process consultant and teacher and that's my hope. Concurrently, it will mean that Susan and I will be able, in measures commensurate with our means, to indulge our fantasies to travel and enjoy parts of the world that have somehow escape our enjoyment to date. All and all, it's a pleasant target.

Meanwhile, it pleases me to have my spade in the ground only two doors down, gently working community soil that's already been well tilled.

Antioch College to add 32 unit “cohousing” building on campus - Dayton Daily News

Cohousing News from Google -

Dayton Daily News

Antioch College to add 32 unit “cohousing” building on campus
Dayton Daily News
Antioch College plans to add a 32-unit housing building on campus — a move that is part of the college's efforts to re-envision the future of higher education, according to information released by the college on Tuesday. Plans for Antioch College ...


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