Sarah James & Associates
Home Page

Sarah James wins 2007 Dale Prize for excellence in ecological design & planning! (Read review)

Welcome to Sarah James & Associates

Sarah James & Associates is a consulting firm offering services in city/town planning and community development. We specialize in planning that is oriented toward the goal of sustainability, and community development that is also sustainable development. We also specialize in citizen-based participatory approaches to city and town planning, and planning for sustainability.

Founded in 1986, our firm has worked with more than fifty municipal and non-profit clients throughout New England and beyond. We work with towns and cities in the preparation of master, or comprehensive plans, developing these through a carefully-designed, “bottom-up” citizen-based approach. In this approach, community residents and business people identify their vision for the “town they want”, and then work to identify, with technical assistance where needed, the strategies and techniques, appropriate to their particular circumstances to achieve these.

Community citizens work in brainstorming groups to plan for the future community they want.

For communities that wish to orient their master plans and municipal practices in the direction of sustainability, Sarah James & Associates offers a comparable, “bottom-up” approach, coupled with education and training in principles of sustainability, that involves citizens and municipal employees in identifying sustainable visions and then feasible action plans to reorient land use and municipal policies and practices toward this critical direction. This process is similar to ones employed by over 60 Swedish cities and towns to successfully reorient their policies and operations toward sustainability.

Presentations and Workshops

Sarah James also offers presentations and workshops on the topic of sustainability and what it means in particular for communities – cities towns, as well as regions. Workshops include introduction of a framework of principles for identifying sustainable practices, case examples, and a process for how these can be integrated into municipal or organizational policies and operations.

About Sarah James

Sarah James is a city and town planner by education and trade with over 25 years of experience in housing, planning, community development, and sustainable community planning. She specializes in participatory planning approaches and in planning for community sustainability.  She is a co-author of the American Planning Association’s Policy Guide on Planning for Sustainability, adopted by APA in 2000. She holds a Masters Degree in City Planning from the Harvard University Graduate School of Design. In 2007, she was awarded the Dale Prize from the California Polytechnic Institute at Pomona for her contibutions to ecological planning and excellence in urban and regional planning. Read more

Institute for Eco-municipality Education & Assistance (IEMEA)

Sarah James is also the Co-Director of IEMEA , together with Swedish planner Torbjorn Lahti. IEMEA provides training, education, and process leadership for existing and emerging eco-municipalities – local governments officially committing to a particular set of sustainability principles and a participatory process for implementing these throughout their departments and larger communities. For more information about ecomunicipalities, you can go to the Ecomunicipalities page on this Web site or visit www.instituteforecomunicipalities.org

The Natural Step for Communities: How Cities & Towns Can Change to Sustainable Practices, New Society Publishers, 2004. 

Sarah James co-authored this award-winning book with Torbjorn Lahti, published in 2004. In 2005, this book received the Top Ten Book Award in planning and design from Planetizen. It has inspired thousands of citizens and scores of local governments to take action toward becoming a sustainable community. Many sustainability study circles use this book as their sustainability study guide.  For more information, see the Publications Page on this Web site. Book

U.S. Eco-municipality Initiatives

Inspired by talks and workshops by Sarah James and Torbjörn Lahti, or their book The Natural Step for Communities, a growing number of U.S. cities and towns have made official commitments to become eco-municipalities – local governments and their larger communities who officially adopt either the American Planning Association’s four guiding sustainability principles or the Natural Step system conditions for a sustainable society on which the APA objectives are based. Madison, WI, Duluth, MN, Ashland, Bayfield, and Washburn, WI, Johnson Creek, WI, Douglas County, WI, and Portsmouth, NH are among the communities that had made an official commitment to become ecomunicipalities. Hanover, NH, Lawrence Township, NJ, and Vandergrift, PA are also moving in this direction. In June, 2004, Sarah and Torbjörn led a pivotal meeting of most of these communities in Madison, WI, out of which emerged the North American Eco-municipality Network.
 Links to other sites:

Institute for Ecomunicipality Education & Assistance (IEMEA)
American Planning Association’s Policy Guide Planning for Sustainability 
Information about Sustainable Sweden tours of the Swedish Ecomunicipalities
NAEMN

It is most effective to avoid having your spouse sign the personal guarantee constantly.

Also, , if possible. That actual way you protect the property that are not really possessed collectively, says coughlin. For example, if you are credit $1 million, you can question to have your personal assurance cover 60 percent of the mortgage, or up to $600,000.

Move after them before they elsewhere move. A rewards plan is necessary in today’s market. Stability transfer marketing promotions – balance transfers can help your credit union stimulate stability growth. This frees up more money to allow them to continue to make regional loans. And some day, when your mortgage is usually paid, anything still left in the escrow account will be returned for you. Renters insurance. If she’s valuable computer devices, musical instruments and so on, a tenants insurance policy is definitely fairly inexpensive.

Continue reading

I would end up being off by 5 or 10 percentage points.

But it’s definitely a big, scary number. Meanwhile, the average american household bears more than $200,000 in debt from home loans, student loans and credit credit card loans. And almost a third of us have no savings whatsoever.

These were all very smart people and yet they let their egos write inspections that truth couldn’t cash. While many non-profit colleges shall not give credit for courses taken at for-profits, it may be better to begin over than to continue with a level that delivers low employability.

Continue reading

If you get rid of of capital house (various other than your principal home) for a profit.

Under the current tax guidelines, , just 50 per nickel of the capital gain is included in taxable income.

A “wait around for the winners to emerge” strategy will likely result in credit unions lagging behind the contour. More than three-quarters of credit unions reported a desire to be in the market with apple pay by the begin of 2019. Google budget experienced some early stumbles relating to data ownership problems and generating user curiosity. While apple holds an recognition advantage and finances talk about advantage, google android comprises even more than 50% of the handset market – producing it primary for a viable pocket book answer.

Continue reading

Unless your company is very new or you have a poor credit rating.

A better choice is financing from a small loan company at a lower interest rate than most credit credit card providers charge.

Many of them didn’t even know it been around until it adversely affected their business programs. Technology has changed the extremely psychology of cash and the method we perceive it and artificial cleverness promises to further the ease of doing business for economies across the world.

Continue reading

The key is to look for the lenders that are willing to offer lines of credit to younger companies.

For a small business,.

This can become challenging, and could involve some requesting around. Sometimes a organization just requirements that infusion of cash to obtain over a monetary hump or prevent growth from holding on out. Keep in brain that if your lender makes any significant changes to your loan after the closing disclosure offers been sent – state, your interest price increases – a new disclosure provides to become issued and the three-day waiting period resets, pressing back your shutting time potentially.

Continue reading

The average credit card debt per customer climbed 2.

Over £5m could be kept across europe per year; over £400k in the uk alone.

Europe’s cellular employees could save hundreds of thousands of euros per 12 months with better administration of mobile obligations compliance, claims empello (www. Empello. Com). Despite the drop in cards,. 3 per cent from a year ago to $4,094. The delinquency price for non-payment of even more than 90 days went up 3. 2 per during the same period to 4. 21 per cent overall.

Continue reading

The money you borrowed from or that’s owed to you (refer to your money flow statement).

What your income statement won’t let you know is whether your overall financial condition is weak or strong (refer to your balance sheet for this), , or list any assets you possess or liabilities you borrowed from (again, see balance sheet). Relearning just how to build credit will make a big difference meant for your business in the complete years forward. Many of these consumers turn to experts for help, but specialists alert you to be cautious, as scammers are everywhere. How lengthy it will consider to get outcomes. The total cost you shall pay. Any guaranteesif a credit repair business you hired does not live up to its claims, the ftc says you have these options:sue them in federal government courtroom for your real failures or for what you paid them, whichever is usually even more.

Look for punitive problems – money to punish the ongoing company for violating the legislation. Join other people in a class action lawsuit against the firm, and if you win, the business has to pay your attorney’s charges.

Continue reading

And that economic stress is increasingly getting worse.

To the degree that a latest study sees that american workers are struggling from a form of economic post-traumatic tension disorder. Treasury an actual.

Standard loaner investments include certificates of deposit and all types of bonds. As i said above, they have practically no default risk, because the federal government can printing the cash to pay its obligations simply. But from the correct time they’re issued until the time they mature, which could become as long as 30 years, treasury bonds vary in value.

Continue reading

To get a business loan, you may want to aficionado personal credit

A search is had by The SBA engine for finding regional CDCs. You might also contact the local SBA District Office and inquire on where you may seek a 504 loan. paydayloansinvirginia.comExpert searching to begin or develop a business, today your likelihood of accessing capital might possess improved.S Lender are among those who possess used the pledge.The definition of a little business is dependent on the sector, according to the SBA.According to latest report by the Vanguard Group, instant investing produces better returns many of the period. But organized trading provides an benefit that might make it the better option for many traders.Immediate investingFor its analysis, Vanguard compared the historical performances of both investing strategies across going 12-month intervals in the monetary markets of the U.S., the United Quotes and Empire. In all three of those marketplaces, immediate trading led to greater profile beliefs about two-thirds of the time. In the U.S., instant trading outperformed organized trading by an typical of 2.39 percentage factors – the most of the three markets examined.

Continue reading