Wednesday, October 24, 2007

[papercreters] Re: Papercrete and Earthships Question/Banking Education

If you are having trouble with financing, have you considered
approaching one of the financial institutions in Silver City?
Obviously they are used to seeing papercrete structures. Perhaps one
of them would be willing to fund your efforts elsewhere in New Mexico.

You might also consider asking around with some of the papercrete
homeowners in that area to see what they have done.

Clearly you'll want to develop a good personal relationship with a
banker. Everyone should. If anyone doesn't know their banker's
name, or the names of their kids, you are skipping one of the most
important personal networking opportunities you can have. I'm not
talking about the teller at the window, but the person at the desk
that opened your account for you. It doesn't have the be the bank
president or anything, but it does need to be someone with more
authority than a teller.

Trust me. Your banker is well connected. Make them a friend, and
you'll have an important relationship that will pay dividends for
years and years.

If you don't like your banker that well, then you have the wrong
banker, or maybe even the wrong bank.

Perfect example, true story:
After the niece of a close personal friend (I call her "Netty" long
story) overdrew her checking account in another city, that bank ended
up flagging her as a bad risk on her credit report. She couldn't
open an account anywhere. It was a real problem since she just got a
wonderful new well paying job. She didn't have anywhere to deposit
her paycheck. When I heard her dilemma a couple of months ago, I
walked with her right up to my banker (Carol) that I've known for
years. "Hi Carol. This is Netty, my friend. I know she's made a
mistake or two, but she's good person. Will you see what you can do
to help her?" Within 5 minutes ... Problem solved. A new account
was opened, and steps were begun for Netty to resolve any outstanding
issues with her old bank and get her credit report cleaned up. It
was all very simple and painless. Netty had been turned down several
times and different banks and her paycheck was almost two weeks old.

It's not like I have loads of money either. I simply make it a point
to smile and say hello every time I see Carol at the bank. I ask how
her kids are and stuff. Little things like that pay MASSIVE
dividends over time. You don't have to be rich, just be nice to
people. You just might find that some aren't the evil money grubbers
that they all are protrayed to be. They also will probably be nice
in return.

Food for thought.

--- In papercreters@yahoogroups.com, "windwalkerwill"
<windwalkerwill@...> wrote:
>
> In pursuing the papercrete house in Rodeo, we got a quick education
in
> the field of acceptable housing (to the banking institutions). Now,
> more determined than before, we have found an alternative property.
> From the posts here I've learned just what can be done with a single
> wide trailer, papercrete and tires.... the single wide trailer would
> satisfy the banks definition of a house. The property we found has a
> straw bale barn and a "Earthship foundation".... Can you papercrete
> the bazillion tires in those walls?
> I am learning a lot from this group and there's a whole bunch of
> technical stuff that I will have to keep plugging at but I'm
> determined to papercrete and live in my work before I get too old.
The
> second half of the question.... can we put a single wide trailer
> someplace in the tire walls (it would be recycled if we bought a
used
> one) and incorporate them all into one paper crete building?
> Thanks,
> Clarissa
>



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