Showing posts with label non-profit housing. Show all posts
Showing posts with label non-profit housing. Show all posts

Friday, March 02, 2012

A Co-op is Like a Village

Sorry for the delay. Crunched my foot two weeks ago and have been feeling sorry for myself ever since. Well, not really. I took a step the wrong way and came down on my ankle hard enough to cause severe bruising to bones, tendons, muscles from baby toe up to and including the ankle. Pulled a calf muscle on the other leg so have been doing a sort of double hobble dance - much to the amusement of folks in the neighbourhood. I'm glad there are no broken bones. I am not glad to be missing work for the doctor's prescribed three weeks. I love my hockey games! And I have missed taking Bruno for his walks and feel very doggy-deprived. Oh, well.

So here's the thing about living in a co-op. Your neighbours know almost everything about you. This is not always a bad thing. When trouble happens your neighbours are always there to offer help, comfort and an encouraging word. Someone left a huge bag of citrus fruits on my doorknob. No note. Someone went to the corner store for me. Someone else drove me to Costco for my semi-annual Big Shopping Day. The co-op has a few dollies for our use so said friend and neighbour loaded up the dolly and pushed the cartload of groceries right to my front door. Then took the dolly back to the storage room.

 The co-op is likened to a small village and so it is. In the past few years we have lost a few co-op residents to old age or to illness. The death of a loved one is always a horrible experience and there is no way just a few words can truly provide all the comfort the survivors need. But there are little things neighbours can do to ease the burden. Some of the neighbours formed a group to provide cooked meals for grieving parents for several weeks. Respecting privacy, others have slipped condolence cards through the mail slot or quietly watered plants and swept outside the doorways. At general meetings those who passed are acknowledged and a few moments of quiet reflection take place before the meeting commences. Collections may be taken for flowers, food or other smalls needs. Laundry is found folded and ready to take home from the laundry room. Little things done quietly and with dignity.

We end up stronger as a community, kinder to one another and more mindful and respectful. 

Folks here don't tend to move out very often.

Monday, November 28, 2011

UN - 2012 International Year of Cooperatives

The UN has proclaimed 2012 as the International Year of Cooperatives.


This is a huge subject encompassing so many aspects of housing, political, social, sustainability, ecological and economic existence that to try and cover it all in one blog entry is well nigh impossible. All cooperatives are democratic, owner-operator ventures.


But ... the cooperative movement is hardly a new phenomenon. One of the most successful business models for a cooperative is Mondragon located in the Basque region of Spain. Internationally, farmers co-ops, business co-ops, website co-ops, medical & health co-ops, banking & insurance co-ops are proving to be models for sustainable, long-term social and economic success. Food co-ops buy in bulk, sell to co-op members and distribute excess to those members in various ways, from a cheque in the mail to deeper discounts the following year. The Co-operators is Canadian insurance co-op that is one of the most successful businesses in Canada.


Co-ops also support other co-ops in the form of charitable work and are deeply involved in international development projects.


In Canada, not-for-profit housing cooperatives provide housing for a tremendously diverse population:
"Across Canada, over 2,100 non-profit housing co-ops are home to about a quarter of a million people in over 90,000 households. there are housing co-operatives in every province and territory"  CHF Canada
I live in a co-op in Vancouver. I own one share in the co-op. This entitles me to live here, have a democratic say in how the co-op operates, spends it's money - BUT the most important factor for me is that I don't just live here, I live in a village in the middle of a large city. I know my neighbours. We volunteer our time and whatever expertise we have to help run our organization and help make it one of the most successful co-ops in the country. None of us receive financial compensation but the benefits are huge in social interplay and security. 


Co-op members come from all walks of life - some are high income earners, some middling and some on fixed income from pensions or other government sources. We are governed by various government acts and we develop our own internal rules and policies. Our co-op is large enough that we hire a management company to handle day to day financial matters. The final decisions are made by the members.



We do not own our units so we pay a percentage of our total income as a monthly housing fee. And considering the larger global financial situation, home ownership is not all it's cut out to be! The rate is fixed annually after we work on our budget needs for the following year and then vote for it. Currently, our housing fee rate is a little over 30 per cent of our total earnings. There is a cap on fees based on market rent for this area of the city - and a minimum as well.



Many housing co-ops assist lower income earners in the form of partial subsidy. As most Canadian co-ops will have paid off their mortgages by 2020, the small percentage of subsidy provided by the Canadian government will end. By continuing to carefully balance our resource, co-op members will continue to live here and contribute financially to the physical, social and economic well-being of the co-op as a whole.


I will blog more about cooperative choices. And in the meantime please spend a few minutes checking out the links provided. It just might change your life - for the better.


http://social.un.org/coopsyear/
http://www.chfinternational.org/
http://www.canada2012.coop/