Most mortgage and affordability calculators are designed for fixed-rate bank loans. They break the moment you try to model anything creative. I built this calculator specifically for creative financing of land and homesteads. It is designed to be bookmarked and reused anytime you are evaluating a deal. This calculator supports: • Step-rate payment structures • Subject-to existing mortgages • Seller financing with custom terms • Transitional and blended payment scenarios • Full amortization schedules so you can see exactly what happens over time This is not just about figuring out how to buy more. Creative financing is powerful, and if you are not careful, it is easy to over-leverage yourself. That is exactly why this calculator exists. Instead of asking “What will the bank approve?” it forces the real question: What can you actually afford without putting yourself in a fragile position? You can reverse-engineer deals from income. You can stress-test payments before making offers. You can clearly see when a deal works and when it does not. This tool is part of the system I lay out in my book, but I am sharing it so you can run real numbers on real properties and avoid mistakes that look smart on paper and fail in practice. Bookmark it. Keep it saved. Use it every time you structure or analyze a creative deal. Calculator link :https://calculator.permaresilience.com/

In the "For What It's Worth" category and in the spirit of contributing some meager experience to gardeners, I'm posting a pic of an idea I came up with a few years ago when I was still actively planting a home garden. I always struggled with planting things in rows, whether spit-balling the rows or using string. I always ended up feeling like I was planting blind. I have raised beds (approx 4' x 28'), so these trellises fitted the beds well. Throw your seeds, seedlings or larger plants in the spaces as you see fit, or as matches the planting/spacing plan is designed. You can get these trellis in places like Home Depot, Menard's, Lowe's or preferably, your local home-town merchant (instead of giving away your money to corporate shills).

My husband i are traveling through Japan - and in the process of preparing i was looking at old photos - and thought i would share one of a traditional technique still used today - that i found so beautiful A way they use their natural resources

So, my greenhouse is nearly up and ready to fill. I plan to use it for some of my medicinal herbs, tomatoes, leaf of life, peppers and chillis. My question is, do you hand pollinate or leave iyt open on hot days to allow the good bugs and pollinators in? I know it's not really permaculture to block off plants but our seasons are too mucked up and last year, we had green tomatoes trying to ripen till winter

Hello, I joined High Sierra permaculture group with Bret James years back and was wondering how I get access to my account again. I even joined the new group but have not signed in for a while for several reasons. Thanks in advance.