Tag: housing

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Home financing

For most people the biggest investment decision during their entire life course is the decision how to finance their home. The calculation of the costs of a bank loan over 10, 15 or 20 years to finance the acquisition of a home is a necessary part of basic financial literacy. The contract of monthly installments over years, considering economic uncertainties like inflation and interest rate payments, necessitates some basic knowledge of calculus and maybe the use of a spreadsheet to prepare payment plans with different scenarios. According to the Wall Street Journal of 2025-6-25 many home owners in southern states “slipped under water” in recent months in the USA. In short, buying a house when they are most expensive with a high interest loan and little down payment puts you at high risk if the prices for homes decline, for example like in a recession or stagnation. You can find yourself in the situation that the mortgage you have to pay suddenly exceeds the value of your home at actual prices. It is really important to be aware of the overall economic situation and risks of changes, like interest rate or inflation spikes due to a changing policy on tariffs. Reading and learning about financial risks should really enter into the school curriculum, but not left to maths classes as this will frighten off many students to take this topic seriously enough. 

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Home Leaks

When did you last think about leaks in your home?
Usually we associate leaks with water leaks, or the heating system leaking somewhere. In the 21st century leaks at home are more importantly the leaks of your home security, especially your email, digital and cloud services which are at risk. You may test your favourite AI system to advice you on your risks for digital leaks, but we know little whether these systems are yet another dangerous port of entry into your home or privacy themselves.
There is a helpful tool to find, whether your email has been hacked or distributed widely already for potential thefts of your identity. Hence, better check this from time to time using for example the “leak checker“, just like checking whether you closed your door or the water tap before leaving for vacations. As we live more and more in “virtual homes” in addition to our physical homes, checking your digital identities should become a part of our personal hygiene routine. Let’s just take a shower from time to time and change passwords regularly.

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Home Cloud

Our homes have entered the process of virtualization. Not only our collections of photographs, videos of and from family and friends have been stored on cloud servers and services for some time. Homework and school materials are distributed from clouds and the size of such collections quickly reach levels beyond any hand held devices. Hence, the home cloud or your private cloud will be the next option to think about. The safe storage of information, which is intended to be shared amongst many persons, or just private backup solutions find their home on your private cloud. The technology is available at moderate costs, but allows additional safety and flexibility. Your digital home is available wherever you are. No need to carry around with you physical backup devices. Just like for keys, you have to manage access rights to the data and take care of basic security features. It is a bit like running a small enterprise. You have to make sure that users of your home cloud apply basic internet security standards like safe passwords, for example. Similar to the storage in a basement from time to time clearing out duplicates or forgotten items may help to preserve sufficient transparency of what is stored. However, digital tools may help with that task as well. We may enjoy a stroll outside and watch the clouds pass by knowing that our data are fairly safe in their very own home cloud.

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Home cooling 2

As a consequence of global warming architecture has to cater for the cooling of our homes as well. The 1st option is to keep the heat outside. Isolation is key in this respect as well. Colors outside have a long tradition in protecting against heating up due to abundant sunshine. Doors and windows ask for additional protection as well. Historically, trees have been instrumental in providing shade for homes. Greening of facades is another natural option. For a long time homeshomes have been built above an underground floor or a cellar. Originally these naturally cool rooms served as storage rooms for food and drinks. Nowadays, such basements offer additional cool space during (exceptionally) hot summer days. The distribution of cool air from basements to upper floors is an alternative way of cooling, which uses little energy. For newly built homes this is another reason to drill builders drill. Even office space has been built in this way, much appreciated during the warm seasons. (Image: Paris UNESCO headquarters office space). 

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Home Energy

Energy production and consumption in a home are determined by many factors. The number of persons in a household has, of course, a considerable impact on consumption patterns. The investment in home energy production can cover the basics, but is less likely to cover peaks of consumption like friends on a visit wanting to charge their electric vehicle.
In a test with a simple small scale solar panel (fixed on a balcony for example with 860W peak) it was possible to produce a full days consumption on a sunny summer day for a 1-2 person household without use of electricity for personal mobility, but hot water through heat pump provision. The potential for an own production of electricity during summer months is within reach without major behavioral changes.
Okay, digital steering of energy consumption for hot water during hours of bright sunshine and washing machine around high noon are not for everybody to program or carry through.
Digital tools complement the energy consumption at the right time. There is a lot of power in sunshine. The usual caveats of bad weather and winter months change the calculations. The return on investment or break even point needs 300 days of about 2 kWh to recover the 500€ initial costs of the solar panels. After about 3 years the initial costs are recovered and savings begin to accrue. The bridge between energy theory and practical applications is to be found in experimental setups and tests of different scenarios for the modern “prosumer” of the 21st century.

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Energetic Architecture

The link between energy and architecture is all to obvious. For at least a century we believed that energy had to serve architecture and could be relegated to second place. With global warming the overriding importance sits with energy concerns for some years to come. We spend billions to repair the bad architectural and fast growth architecture of the post 2WW era of architecture, especially the construction boom of the 60s and 70s. The driver of change in architecture has moved from the period of social architecture (60s, 70s) to energetic architecture. Energy in architecture has multiple dimensions. Whereas a century ago the shift consisted in the installation of central heating systems in the northern hemisphere of the globe at scale, in the 21st century the concern there shifts to isolation from heat (and cold) to more efficient, less polluting energy provision. Cooling houses and office spaces during extended periods and higher peeks of heat, ask for substantial revisions of existent architecture and the next generation of energetic architecture. Before long, we shall also think more seriously about the handling of water in architecture, a topic which is closely linked to energy consumption and design.
From a sociological point of view we are used to ask questions of social inequality related to this issue as well. We are on the way to move into a society of energy-rich versus energy poor households and enterprises. Financing of adaptations of housing and offices to the energetic challenges is likely to create severe additional inequalities, which exacerbate the already existing ones. If you have no money to spare, you will be unable to invest into energy savings with more distant returns on investment (ROI). At older age you are less resistant to heat waves and causes health disadvantages. If previous investments were impossible or the urgency for energetic architecture was neglected for too long, additional health inequalities shall arise.
The “Deutsches Architekturmuseum” has built an exhibition around this theme, which widens the perspective of architecture and energy. This highlights the additional concern for energetic architecture and people living or working in (modern) architecture.
(Image Trier Roman arena 2025)

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Ohm … Ohm

In the 21st century most people will interpret “Ohm … Ohm” as the exhalation in yoga  (Hatha yoga). Therefore, take a deep breath, hold it for a while (twice as long) and then exhale (thrice as long), for example. Now you are perfectly set up to read about Georg Simon Ohm (1789 – 1854), the physicist after whom Ohm’s law was named. In the “All electric society” Ohm’s law still plays a fundamental role for all households. The understanding of electric circuits is quite easy, just apply the basic relationship of Ohm’s law. In a resistor the current and voltage are proportional. The sign (SI) for resistance (R in physics) of a conductor is the Greek letter Ω. The proportionality is expressed as R = V/I where V is the Voltage and I the current through the conductor. The units are Ω, Volt V, Ampere A. All you need to know additionally is the calculation of the power P in Watt W where P = V x I for example. If you want or need to dig deeper into your home electricity just study a bit of electrical technology on the basics.
In our homes, apartments or offices we can apply this 200 years old knowledge to guide the safety and energy consumption of our electric installations. Maybe with the help of a spreadsheet programme like excel etc.

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Home cooling

In the summer months, in Europe, the concern shifts from heating your home to cooling your home. For generations this has been possible without use of air conditioning. A natural way of cooling has been for centuries to dig into earth to take advantage of the rather stable and cool temperatures underground. In home building this has also been a tradition for centuries to build cellars underneath a home.
Wine growing regions have used the cellar as a natural cooling facility for long and short term storage of wine. Digging into a mountain of a valley offered a natural cool storage solution for years without additional energy consumption. Modern buildings should return to this practice and gain cold from below the surface to cool buildings in the warm or hot seasons. Good isolation combined with the cool temperatures from below the surface in summer months will substantially save energy and thereby CO2 emissions. Circulation of the cool air from below to the upper floors is the issue as well as dealing with differential humidity levels. The wisdom of previous generations in home building with no access to air conditioning (avoiding the air conditioning paradox) is likely to experience a revival in the coming years.
Coolness is the new and old wisdom.

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Home extension

Most people think of home extension as some sort of extension of the roof, an additional room or the transformation of a garage into an additional room. However, the digital home requires a home extension of a different kind. In order for all rooms to be included into the digital home a range extender of your wireless might be necessary. Yes, this even includes the bathrooms, because otherwise you can no longer sing along your favourite tune under the shower if you are used to the streaming of the musical or orchestral accompaniment. Additionally, the immediate surroundings of a home with or without garden might make it necessary for your robot to mow properly or your digital letter box to send you the mail for the long awaited love letters while you out of home.
Being out of range in your home, is almost equal to not being home at all. Of course, you don’t have to automatically send an out of home message to all your contacts when you are too far away from your digital home for your digital device, but the comfort of a range extender may avoid the new “digital inequality” between adolescents in your home. Room choices are made according to wireless access points and signal strength rather than the room with the best view. Lots of new issues arise we did not even think we would have 10 years ago. Of course, we follow the suggestions of an AI chatbot that recommends the best location for us after we entered images and descriptions of the consistency of each wall into the system. Just a practical advice, install extensions out of reach of any toddler, because a sudden interruption of the connection will create very unpleasant surprises.

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Home security

Digitalization has made it possible to step up home security at reasonable costs. The video surveillance of homes inside and the immediate surroundings are feasible through the use of connected cameras. The footage can reach sizable amounts of data, but intermittent recordings reduce or the AI-assisted detection of movements on a person’s property have become standard home security. Even for apartments the video enabled door bells and digital locks have improved the security level for those who are willing to invest in home security. A good neighborhood watch system is, of course, in most cases a superior solution. But neighbors change and social interaction is often reduced to minimal contact in most suburban regions. As with heating of homes, home security is also depending on what makes you feel comfortable at home. For some 20 degrees Celsius is enough and a solid mechanical lock is sufficient. Others have made very different experiences and want their digital devices directly linked to a professional security or police service. Like it or not, home security is part of the modern home just like many other digital devices or TV sets.