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Sunday, March 4, 2018

With Bathroom Bill Dead, Houston-Founded Pastor Council Looks To Future Fights

Read article : With Bathroom Bill Dead, Houston-Founded Pastor Council Looks To Future Fights
Dave Welch speaks during a press conference in favor of a bathroom bill at the Texas Capitol near the end of the special session on August 14, 2017.

A day before the Texas Legislature ended its special session this week, a session that included a high-profile fight over a “bathroom bill” that appeared almost certainly dead, David Welch had a message for Gov. Greg Abbott: call lawmakers back to Austin. Again.

For years, Welch, executive director of the Texas Pastor Council, has worked to pass a bill that would ban local policies that ensured transgender individuals’ right to use restrooms in public schools and government buildings that match their gender identity. The summer special session, which was quickly coming to a close, had been Welch and other social conservatives’ second chance, an overtime round after the bill — denounced by critics as discriminatory and unnecessary — failed during the regular session that ended in May.  

But with the Texas House unlikely to vote on a bathroom bill, Welch gathered with some of the most conservative Republicans in that chamber to make a final plea. The bill, they argued without any evidence, would prevent men from entering bathrooms to sexually assault or harass women.

“If this does not pass during this special session, we are asking for, urgently on behalf of all these pastors across the state of Texas, that we do hold a second special session until the job is done,” Welch said at the press event, hosted by Texas Values, a socially conservative group.

 Though the group of lawmakers, religious leaders and activists were still coming to terms with their failure to get a bill to Abbott’s desk, for Welch’s Pastor Council, the years-long fight over bathroom restrictions has nonetheless been a galvanizing campaign.

The group, which Welch founded in 2003, has grown from a local organization to a burgeoning statewide apparatus with eyes on someday becoming a nationwide force, one able to mobilize conservative Christians around the country into future political battles. If Abbott doesn’t call lawmakers back for another special session to pass a bathroom bill, the group is likely to shift its attention to the 2018 elections. 

“Our role in this process shouldn’t be restricted just because people attend church,” Welch told The Texas Tribune. “Active voting, informed voting, is a legitimate ministry of the church.”

A pastor for pastors

Welch has made a career out of mixing the religious and the political. Before founding the Pastors Council, he spent time at the Christian Coalition and Vision America, a controversial national evangelical group led by Rick Scarborough, a Texas pastor. And just before he founded the Pastor Council, Welch briefly worked as the executive director of the Republican Party in Harris County, where he would get to know many of the politicians that would animate his later campaigns. Welch said he has known Lt. Gov. Dan Patrick, one of the most outspoken proponents of a bathroom bill in state government, since he was a radio host in Houston.

But it was with the Pastor Council — at first a small group of Houston pastors — that Welch would begin to make his deepest mark in Texas politics.

“We formed the Houston area pastor council in 2003 as a group of 12 pastors, across racial and denominational lines, to engage together on a variety of social moral cultural issues,” he said.

 

That initial group has since expanded into two additional entities, the Texas Pastor Council and the US Pastor Council, though the distinctions between the groups can be murky. Welch — who himself no longer preaches, instead referring to himself as a “pastor for pastors” — leads all three groups, and the main phone number for the US Pastor Council is a direct line to Welch.

The group, according to Welch, has taken on a range of issues, from criminal justice reform to child foster care. But over the course of his career, Welch and the group have had a decided preoccupation with attacking LGBT rights, what Welch describes as “the continued tide of the radical political LGBTQ movement trying to work to undermine traditional marriage and traditional family.” On the US Pastor Council website, the only “current issue” listed is “Woman’s Privacy Protection,” a page that features a number of talking points in favor of a bathroom bill.

“They have made anti-LGBT activism their primary focus,” said Dan Quinn, communications director for Texas Freedom Network, a liberal watchdog group. “They’ve had their most public efforts trying to defeat anything that protects equality for LGBT Texans.”

Over the course of several years as a columnist for World Net Daily, a far-right website known for hosting conspiracy theories, Welch railed against same-sex marriage and legal protections for LGBT individuals. In a 2009 post titled “When the Wicked Rule,” Welch attacked a new federal law that protected LGBT individuals from hate crimes as condoning “every possible form of sexual deviancy.” He denounced the “radical sexual-deviancy jihad” in a post called “My Gay America” in 2010.

Lesbian Mayor Annise Parker has gone above and beyond to now extend protection through executive orders to ‘gender identity’ and ‘gender expression,’” he wrote at the time. “Keep your wives and daughters out of Houston city restrooms.”

That rhetoric against Parker – the first openly gay mayor of a large American city — and legal protections for LGBT individuals in Houston would eventually become talking points against the Houston Equal Rights Ordinance, which would have made it illegal to discriminate against someone based on 15 different “protected characteristics,” including sex, race, religion, sexual orientation and gender identity.

During that fight — which concluded with Houston residents voting overwhelmingly to strike down the nondiscrimination ordinance — Welch played a leading role in both the electoral and legal campaigns against the city. Jared Woodfill, one of the lead organizers against the HERO ordinance in Houston, said that Welch and his organization were “extremely instrumental” in gathering the signatures that would ultimately prompt the lawsuit and referendum overturning the ordinance.

Indeed, organizing and mobilizing voters is a key part of the Pastor Council’s mission. Its website boasts pages titled “Every Christian Votes” and the “AMERICA plan.” Under the “AMERICA plan,” pastors are encouraged to communicate with congregants about political issues, distribute voter guides and register “every eligible adult” to vote.

In other words, Welch had already established an infrastructure for turning out voters before the HERO referendum — a battle that helped elevate his organization and its platform. Randy Wilson, national field director for Church Ministries for the Washington, D.C.-based Family Research Council, which has worked with the Pastor Council, said this is easier said than done.

“Dave has to have an established and billed credibility with the pastors, a very untrusting demographic, really,” he said.

That credibility and visibility would only grow when the city issued subpoenas for sermons and other statements Welch and other members of the Pastors Council had made in support of a 2014 failed petition drive aimed at repealing HERO. That incident drew national attention, energizing conservatives across Texas and the country and landing Welch on national media. (In response to that incident, the Texas Legislature passed a lawearlier this year shielding pastors’ sermons from government subpoena power.)

“It certainly escalated some elements of what we do to a much higher level because of the visibility of that Houston battle,” Welch said. “That achieved national attention.”

With that momentum, Welch, Woodfill and other conservative activists began to look to the the Legislature as the next battleground for the issue. Welch would begin to use tactics that had worked in Houston — hosting workshops to educate pastors, blasting out emails on the issues and hosting rallies — on a statewide level.

“The network of churches that has become involved in this issue has become very, very important,” Woodfill said.“The same model is being used across the state of Texas.”

But that model has had its limits. In the Legislature, efforts to pass a bathroom bill have failed against stiff opposition from the House, in particular that of House Speaker Joe Straus.

Despite those setbacks, the US Pastor Council itself has continued to grow, Welch said. According to tax documents on a database maintained by ProPublica, the US Pastor Council, which is registered as a 501(c)(3) nonprofit charitable organization and does not disclose its donors, saw its revenue more than double from $329,696 to $833,749 between 2014 and 2015, the last year for which data is available and the year of the HERO ordinance vote in Houston.

Welch said the group does not buy large ad campaigns, instead focusing resources on hosting workshops and organizing among pastors.

“There aren’t many religious groups that overtly have this partisan affiliation or policy preference as pronounced as the Pastors Council,” said Brandon Rottinghaus, a political science professor at the University of Houston. “That’s been a major change we’ve seen since 2013 or 2014.”

With primary season approaching, members of the Pastor Council are preparing to take their campaign to the ballot box and unseat Republicans who did not do enough to challenge Straus’ opposition to a “bathroom bill.”Steve Riggle, a pastor to a congregation of more than 20,000 at Grace Community Church in Houston and a member of the Pastor Council, said he and others are talking about “how in the world do we have 90-some Republicans [in the 150-member Texas House] who won’t stand behind what they say they believe.”

“They’re more afraid of Straus than they are of us,” he said. “It’s about time they’re more afraid of us.”

“This is not over”

In early August, in the midst of the special session, Welch and dozens of other pastors descended on Austin. Hundreds of pastors had signed a letter in support of the bathroom legislation, and before heading inside, the group that had made the trip gathered on the Capitol steps for a brief rally.

Throughout his campaign for a bathroom bill, Welch has enjoyed easy access to the state’s elected officials. He hosted a policy briefing in February that featured, among others, Patrick and Texas Attorney General Ken Paxton. The August rally, which the Texas Pastor Council had promoted as a response to “opponents of God’s created order,” was no exception.

State Rep. Ron Simmons, R-Carrollton, and state Sen. Lois Kolkhorst, R-Brenham, the authors of bathroom bills in their chambers, both spoke to the importance of the bill as Welch acted as the effective emcee of the event, leading the crowd in chants of “Let the House vote.”  

“We’re going to take this letter to the House as the voice of the state of Texas and our churches today,” Welch said.

But even as he represents pastors across the state, Welch and his work enjoy far from unanimous support from Christian and other religious leaders. During the regular session, about 50 faith leaders of various denominations lined the stairs outside the Texas House in protest of bills targeting LGBT Texans.

And just days before Welch arrived in Austin for the rally this month, dozens of religious leaders gathered in the very same spot to denounce the bill as discriminatory and hypocritical. In front of a crowd of more than one hundred supporters, an imam from Austin, as well as pastors and rabbis from across the state spoke about how their faith led them to oppose the legislation.

For Steve Wells, a self-described conservative pastor at the South Main Baptist Church in Houston, the campaign for the “bathroom bill” represents “bad theology.” He says he wishes that Welch and other like-minded pastors would focus more on the common dignity granted human beings.

“You will never in your lifetime meet someone who was not created in the image of God,” he said.

And in July, leaders of the national Episcopal Church sent a letter to Strausasking him to remain “steadfast” in his opposition to the legislation, also denouncing it as discriminatory.

Terri Burke, the executive director of the ACLU in Texas, described the “bathroom bill” as the latest frontier for far-right groups opposed to LGBT rights. Now that sexual orientation is largely protected under the law, she said, gender identity has become a target.

“I think those who want to discriminate have figured out LGB are hard to discriminate against, so they’ve pulled the T out,” she said.

To Welch and his fellow members on the Pastor Council, though, the group’s positions are is well in line with the teachings of the Bible. And even if the death of the “bathroom bill” in the special session represents the loss of a single battle, the broader war continues

“This is not over,” Riggle said.

Disclosure: The Texas Freedom Network has been a financial supporter of The Texas Tribune. A complete list of Tribune donors and sponsors is available here.

Thursday, April 13, 2017

8.15 Around Town | Community

Read article : 8.15 Around Town | Community

All Stop Car Cruise and Music Night: 6 p.m. All Stop Travel Plaza, Highway 60/I-90/94, Lodi. Featuring The Classics. Free concert and car show, food and door prizes.

Bible study and worship service: Heritage House, 2685 Airport Road, Portage. The Portage United Methodist Church holds Bible study at 10 a.m. and worship service at 11 a.m. All are welcome to attend. Call Misty McMorrow, Education Director, at 742-2107 for more information.

Free summer meals for kids up to 18 years old: Served Monday through Friday each week during the summer at four locations in Portage: 11:15 to 11:45 a.m. at the Portage Public Library, 253 W. Edgewater St.; 11:20 to 11:50 a.m. at the Goodyear Park Splash Pad/Skate Park area between DeWitt Street and MacFarlane Road; 12:15 to 12:35 p.m. at Lincoln Park on East Carroll Street; and 12:45 to 1:05 p.m. near the new soccer fields at the corner of Thompson and Michigan streets.

Friesland Band Concert and Ice Cream Social: 7:30 p.m. Downtown Friesland Band Shelter, Highway EF, Friesland. Music, pie and ice cream.

Knitting and crocheting group: 11 a.m. to 1 p.m. Portage Public Library, 253 W. Edgwater St., Portage. Bring your projects and share your progress with friends. We will also be doing “knit-alongs” where we work on a project together. A free pattern will be provided. Feel free to bring your lunch along with your knitting.

Biking: 6:30 p.m. Portage Pedalers Wednesday night ride. Wear a helmet, bring a water bottle and bikers under 18 must ride with a parent. Monthly ride leaders: August — Jon Steidinger/Gordon Dunn (meet at MacKenzie Environmental Center); September — Doug Cook (meet at 6 p.m. at Pat and Doug’s house, W7956 Douglas Center Road (East of Briggsville on Highway 23 North via 3rd Avenue).

Bingo: 5:30 p.m. Old Chicago, 147 N. Main St., Pardeeville. Bingo will be played every Wednesday, except the first one of the month.

Cambria Farmers Market: 4 to 7 p.m. Tarrant Park, East Edgewater Street, Cambria. Runs Wednesdays through October.

Clinic: 8 a.m. to noon, Columbia County Public Health Walk-In Clinic, Columbia County Division of Health, 2652 Murphy Road, Portage. Use door No. 4. Bring child’s immunization record. Visit co.columbia.wi.us for more information.

Concerts at the Portage: 6:30 p.m. VFW Hall, 215 W. Collins St., Portage. Featuring Swing Crew. Desserts and refreshments by ARC for Special Olympics.

Free blood pressure screenings: 1 to 5 p.m. Divine Savior Healthcare, 2817 New Pinery Road, Portage. No appointment necessary. Call 745-6405 for more information. Do not eat, smoke, drink caffeine or exercise for 30 minutes prior.

Free summer meals for kids up to 18 years old: Served Monday through Friday each week during the summer at four locations in Portage: 11:15 to 11:45 a.m. at the Portage Public Library, 253 W. Edgewater St.; 11:20 to 11:50 a.m. at the Goodyear Park Splash Pad/Skate Park area between DeWitt Street and MacFarlane Road; 12:15 to 12:35 p.m. at Lincoln Park on East Carroll Street; and 12:45 to 1:05 p.m. near the new soccer fields at the corner of Thompson and Michigan streets.

Gentle Yoga with Ellen Swan: 9 a.m. Portage Public Library, 253 W. Edgewater St., Portage. Runs Wednesdays and Fridays through September. Bring a yoga mat or bath towel. All ages and skill levels welcome. Yoga is a relaxing way to become healthy physically, mentally, emotionally and spiritually. Because of the support of the Friends of the Library, this course is free to the public.

Historic Indian Agency House: 10 a.m. to 4 p.m. Wednesday through Sunday, 1490 Agency House Road, Portage. Open through Oct. 15. School tours are welcome by appointment, please call 608-742-6362. For more information, visit agencyhouse.org.

Lodi Pride Concert in the Park: 6:30 p.m. Habermann Park, Lodi. Free concert. Bring lawn chairs or blankets.

Open House at Madison College: 3:30 to 6:30 p.m. Madison College-Portage campus, 330 W. Collins St., Portage. Explore the facilities and programs, participate in hands-on activities, apply for free with help from staff, and enjoy light refreshments. People interested in manufacturing, industrial maintenance and welding can visit the Portage Enterprise Center, 1800 Kutzke Road, Portage. There is no need to register, just drop in. Children are welcome. For more information, call 608-745-3100 or 800-322-6282.

Senior meal: 11:30 a.m. Portage Area Senior Citizens Group, Municipal Building, 115 W. Pleasant St., Portage. The meal will be provided by the Columbia County Nutrition Center. If you wish to have a meal, call Lois Williams at 697-5800 by noon Tuesday to register. The cost is a cash donation which will be directly put back into the nutrition program. The meeting will start at noon with cards to follow. 

St. Vincent de Paul free medical clinic: 9 a.m. to noon. Wilz Drugs lower level, 140 E. Cook St., Portage. No appointments needed. Information needed is name, date of birth and a contact number. A foot clinic is available every week. The clinic can do exams and prescribe medications. Physical therapist available. Discounted medications are available at Wilz and Walmart. Call Bonny Oestreich, RN, at 608-234-0159 for information.

Zumba: 5:30 p.m. 1208 Northport Road (the former Freedom Carpeting building). This is a $5 drop-in class. For more information, contact Deb at DJMACK00001@yahoo.com or Rena at 697-6713.

Bingo: 6:30 p.m. Endeavor Lions Club Bingo, Endeavor-Moundville Fire Department, Endeavor. 

Brats and burgers sale: 11 a.m. to 6 p.m. Elks Lodge veranda, West Conant Street, Portage. Runs every Thursday during the Portage Farmers Market.

Free summer meals for kids up to 18 years old: Served Monday through Friday each week during the summer at four locations in Portage: 11:15 to 11:45 a.m. at the Portage Public Library, 253 W. Edgewater St.; 11:20 to 11:50 a.m. at the Goodyear Park Splash Pad/Skate Park area between DeWitt Street and MacFarlane Road; 12:15 to 12:35 p.m. at Lincoln Park on East Carroll Street; and 12:45 to 1:05 p.m. near the new soccer fields at the corner of Thompson and Michigan streets.

Griefshare support group: 5 to 7 p.m. Portage United Methodist Church, 1804 New Pinery Road, Portage. For individuals suffering from the loss of loved one(s). Meetings held weekly from 5 to 7 p.m. Thursdays through Aug. 24. Call Laurie at 608-450-1081 or visit  griefshare.org  for more information. 

Making A Difference Study Group: 6 to 8 p.m. Portage Public Library, Bidwell Room, 253 W. Edgewater St. Portage. Guest speaker Marie Moe will talk about election laws, becoming a poll worker, voting equipment, voting equipment security, nursing home/community-based residential facility elections, running for office, write-in votes, absentee voting, how aldermanic district boundaries are determined, voter registration, MyVote and more.

Museum: 10 a.m. to 3 p.m. Portage World War II Museum, 119 E. Cook St., Portage. Free tours for veterans every Thursday, Friday and Saturday. The tours take 2½ hours. For information, call 608-697-3690.

Portage Farmers Market: noon to 6 p.m. Commerce Plaza, downtown Portage. The market is hosted every Thursday through October and features homegrown produce items, homemade items and handcrafted items.

Portage Lions Club "Stuff the Bus" event: 4 to 7 p.m. Walmart, New Pinery Road, Portage. All school supplies and books collected will benefit Portage Public School students

Portage Family Skate Park public meeting: 5 to 6:30 p.m. Portage Public Library, 253 W. Edgewater St., Portage. All interested people are welcome to attend. Meetings will be held on the first and third Thursdays of each month. Cancellations will be announced on our Facebook page. Call 608-742-4959 for more information.

Mandela Rock Painting Workshop: 1 to 3 p.m. Portage Public Library, 253 W. Edgewater St., Portage. Learn how to paint amazing rocks. Materials supplied, just bring your imagination. Call 742-4959 for more information.

TOPS weight loss group: 1 p.m. Grace Bible Church, county Highway CX, Portage. For information, call Patricia Figueroa at 608-742-4853.

VFW Post 1707 Social Night: Doors open at 5 p.m., meal at 6 p.m. Portage VFW Hall, 215 W. Collins St., Portage. Serving tacos. Cost is $7 per person. Cash bar. Public welcome. Please RSVP Jana Gocke at 608-617-2944. Social Nights are held on the third Thursday of each month.

Badger Steam and Gas Engine Club annual show: 7 a.m. to 5 p.m. Sand Road, off Highway 33, three miles west of Baraboo. Admission is $8 for adults, children age 12 and younger are free. Event runs through Sunday. Free parking with shuttles to grounds. Food, music, flea market, parade daily at 2 p.m., church service at 8 a.m. Sunday, pedal tractor competition at 1 p.m. Sunday, demonstrations, displays and exhibits. 

Fort BP Customer Appreciation Day: Fort BP, Highways 33 and F, east of Portage. Free lunch beginning at 11 a.m. catered by North Shore; donations accepted for CASA (Court Appointed Special Advocates). Enter to win a big-screen TV; drawing at 2 p.m. Magician Ryan Martin will perform for the kids. Rotary raffle tickets will be on sale. 

Free summer meals for kids up to 18 years old: Served Monday through Friday each week during the summer at four locations in Portage: 11:15 to 11:45 a.m. at Portage Public Library, 253 W. Edgewater St.; 11:20 to 11:50 a.m. at Goodyear Park Splash Pad/Skate Park area between DeWitt Street and MacFarlane Road; 12:15 to 12:35 p.m. at Lincoln Park on East Carroll Street; and 12:45 to 1:05 p.m. near the new soccer fields at the corner of Thompson and Michigan streets.

Gentle Yoga with Ellen Swan: 9 a.m. Portage Public Library, 253 W. Edgewater St., Portage. Runs Wednesdays and Fridays through September. Bring a yoga mat or bath towel. All ages and skill levels welcome. Yoga is a relaxing way to become healthy physically, mentally, emotionally and spiritually. Because of the support of the Friends of the Library, this course is free to the public.

Hope House support group: 1 to 2 p.m. Portage Public Library, 253 W. Edgewater St., Portage. Has domestic violence touched your life in some way? Find connections with supportive individuals who have similar life experiences as you at Hope House’s newest support group. All are welcome. Held on the first and third Friday of the month. For more information, contact Katie Fluger, outreach advocate, at 608-356-9123.

Lodi Valley Farmers Market: 2 to 6 p.m. 902 N. Main St., Lodi.

Seniors Bowling Social: 1 p.m. Fireball Lanes, 817 E. Wisconsin St., Portage. Cost is $6 and includes three games of bowling and shoe rental. 

Zona Gale Young People's Theatre presents “Junie B. Jones Is Not a Crook”: 7 p.m. Portage Center for the Arts, 301 E. Cook St., Portage. Directed by Dr. Tom McEvilly. Adults are $15, children age 12 and younger are $8 and the family rate is $35. A play by Allison Gregory, adapted from the book series by Barbara Park, produced by special arrangement with Playscripts, Inc. Theatre by children, for children, and for the young at heart.

Badger Steam and Gas Engine Club annual show: 7 a.m. to 5 p.m. Sand Road, off Highway 33, three miles west of Baraboo. Admission is $8 for adults, children age 12 and younger are free. Event runs through Sunday. Free parking with shuttles to grounds. Food, music, flea market, parade daily at 2 p.m., church service at 8 a.m. Sunday, pedal tractor competition at 1 p.m. Sunday, demonstrations, displays and exhibits. 

Briggsville American Legion Men's Over 30 Slow Pitch Softball Tournament: 9 a.m. to dusk, Legion ball field, Briggsville. Raffles, food, soda and beer available on grounds. Runs through Sunday.

Community free meal: 11:30 a.m. to 1 p.m. St. John the Baptist Episcopal Church, 207 W. Pleasant St., Portage.

Friendship Village celebrates Portage Railroad History: Remembrance program followed by Portage Railroad History, 10 a.m. Museum at the Portage, 804 MacFarlane Road. The Portage Women's Civic League, 506 W. Edgewater St., will host a Pie and Ice Cream Social from 2 to 4 p.m. on the lawn by the Wisconsin River. Freewill donations are accepted.

Ice Age Trail Alliance Lodi Valley Chapter Trail Improvement event: 9 a.m. Meet at the Fern Glen (formerly Groves/Pertzborn) trailhead on Highway J near Lovering Road. For directions visit https://goo.gl/maps/12XwYkcVgnJ2. Help out for as little or as long as you like. This event is appropriate for all ages and capabilities. All tools will be provided. Bring work gloves and water, wear hefty shoes, long sleeves and pants. For more information, contact Bill at 843-3926 or billpatti@charter.net. 

Museum at the Portage: 804 MacFarlane Road, Portage. Open from 1 to 4 p.m. Tuesday through Saturday in June, July and August. New exhibition this season is "From Head to Toe: 100 Years of Portage Fashion." Vintage clothing from our collection. Admission is free.

Music at the Depot Park: 7 to 9 p.m. Depot Shelter, corner of Rio and Lincoln streets, Rio. Featuring the Hirt Alpert Brass Band. Free concert; free-will offering will be accepted with proceeds supporting music in the park. Food and refreshments available. Rain location is Rio Middle/High School.

Portage Boat Club Steak Fry: 5 p.m. Club grounds. Bring your own drinks as the bar is not open. Steak made to order with all the fixings is $15. There are hot dogs and chips available for children for $2.  Please RSVP to Jessica Beckett at 608-617-5400.

Portage Music Fest: 5 to 11 a.m. Columbia County Fairgrounds, Superior Street, Portage. Featuring Bardog Sitters from 5 to 7:30 p.m. and Reilly, an Irish rock band, from 8:30 to 11 a.m. Tickets are $10 in advance and $15 at the door. Food and beverages available. Rain or shine. 

Poynette Area Farmers Market: 8 to 11 a.m. Pauquette Park, Main Street, Poynette.

Tyke Hike: 10 a.m. Meet at the Robertson Trailhead parking lot on Riddle Road (look for yellow Ice Age Trail event signs). The group will hike the East Lodi Marsh segment of the Ice Age Trail. This hike is organized by the Ice Age Trail Alliance Lodi Valley Chapter. No fee and no registration required. This slow-paced, approximately 1-mile walk is designed for young children (accompanied by an adult) and focuses on exploration of nature. During this hike we will be doing a nature scavenger hunt to help us notice things in nature. Contact Patti Herman for more information at 608-843-3924 or billpatti@charter.net.

Zona Gale Young People's Theatre presents “Junie B. Jones Is Not a Crook”: 7 p.m. Portage Center for the Arts, 301 E. Cook St., Portage. Directed by Dr. Tom McEvilly. Adults are $15, children age 12 and younger are $8 and the family rate is $35. A play by Allison Gregory, adapted from the book series by Barbara Park, produced by special arrangement with Playscripts, Inc. Theatre by children, for children, and for the young at heart.

Badger Steam and Gas Engine Club annual show: 7 a.m. to 5 p.m. Sand Road, off Highway 33, three miles west of Baraboo. Admission is $8 for adults, children age 12 and younger are free. Free parking with shuttles to grounds. Food, music, flea market, parade daily at 2 p.m., church service at 8 a.m., pedal tractor competition at 1 p.m., demonstrations, displays and exhibits. 

Bingo: 5 to 7 p.m. VFW Hall, 215 W. Collins St., Portage. Doors open at 4:15 p.m. Hard cards are $1 and chips are available. All are welcome. Runs the first and third Sunday of each month.

Briggsville American Legion Men's Over 30 Slow Pitch Softball Tournament: 9 a.m. to dusk, Legion ball field, Briggsville. Raffles, food, soda and beer available on grounds. 

Zona Gale Young People's Theatre presents “Junie B. Jones Is Not a Crook”: 2 p.m. Portage Center for the Arts, 301 E. Cook St., Portage. Directed by Dr. Tom McEvilly. Adults are $15, children age 12 and younger are $8 and the family rate is $35. A play by Allison Gregory, adapted from the book series by Barbara Park, produced by special arrangement with Playscripts, Inc. Theatre by children, for children, and for the young at heart.

Sunday, January 28, 2018

Designing Your Home Ownership to Retire Earlier

Read article : Designing Your Home Ownership to Retire Earlier

The following is a guest contribution from reader and blogging friend Chris Mamula, a pending early-retiree in his 40’s. Chris has been writing on personal finance topics for several years. His efforts first came to my attention with his insightful review of my second book. In this post, Chris explores how to craft home ownership to support an early retirement, requiring less retirement savings while improving the quality of your life….

For many years, my wife and I made two assumptions about owning our home to facilitate our early retirement:

  1. We should live in a low cost of living area, pay our home off quickly, and own it outright. We could then essentially eliminate our housing expenses during retirement.
  2. Our home would be a safe investment because it would increase in value while simultaneously providing our family shelter.

Over the past year, I began studying real estate investing as a way to diversify our current portfolio that consists primarily of paper assets. As I learned, I thought about ways to incorporate real estate investing principles to reframe how we would approach buying our next home.

First we challenged our original assumptions. Real numbers told a different story about the cost of home ownership. Then we made the conscious decision to approach our next home as an investment in the life we truly want. This allowed us to decrease retirement savings needs by six figures while simultaneously enabling the lifestyle we desire.

The True Cost of Home Ownership

One of the most important decisions we made when getting serious about planning our early retirement was tracking our expenses. We have been doing this for the past three years and the information we gleaned from this process has been eye opening.

The US Bureau of Labor Statistics reports that on average the three largest areas of spending for most households are housing, followed by transportation, and then food. We originally assumed that because our spending is drastically different than the average household, these statistics did not apply to us. Our actual numbers told a different story.

Last year our biggest expense again was food, followed by housing and then transportation. Our numbers show that we do spend far less than the average household on housing and cars, and our overall spending is also subsequently less than average. However, even with a paid off home and cars, our three biggest areas of spending are the same as most everyone else.

The other thing that we have realized by tracking and analyzing our spending is how intertwined our housing decision is with other spending and quality of life. You may have a lower initial purchase price on your home by living away from work or popular attractions. However, it is easy to then make up for that with increased time and money traveling to work and entertainment.

This was certainly our case. Our transportation costs were driven by my hour round trip daily work commute and the fact that we live at least an hour one-way from our favorite hobbies: skiing, hiking, and rock climbing. Getting to good skiing or climbing in bigger mountains has required a full day drive to New England or a cross-country flight west. We typically take 2-4 such trips each year.

Next we looked at our assumptions that our home was a safe investment.

Is Your Home An Investment?

We built our home in 2005 for approximately $250,000. Since then we have done several costly upgrades totalling over $20,000. This brings our cost to over $270,000 before accounting for routine maintenance, property taxes, mortgage interest, and other expenses associated with home ownership.

Twelve years later, comparable homes in our area are selling for $240,000-$260,000. Even without factoring in real estate commission and taxes on the sale of our house, we have virtually no chance of recouping our initial capital investment, let alone making money on the transaction.

At the same time, as compared to our diversified paper portfolio that can be sold off strategically to our benefit, our home represents a large undiversified percentage of our capital tied up in one place. Needing to sell it when we want to move adds stress when watching our local market stagnate while most of the nation’s real estate prices soar.

As we planned what we wanted our life to look like in early retirement, we realized that if we wanted our home to be a good investment, we would need to approach it as investors.

Looking At Home Ownership As An Investor

As I read about real estate investing, one principle that I found useful in my introduction was Robert Kiyosaki’s concept of assets vs. liabilities. Kiyosaki says that your home is a liability, not an asset. His definitions essentially boil down to cash-flow. He defines an asset as anything that creates a recurring cash inflow to you, while a liability is anything that creates a cash outflow.

This definition is certainly oversimplified and not comprehensive or accurate from an accounting perspective. However, it has been extremely useful to help me challenge my assumptions. This concept helped create a different framework going forward as we looked at our home as a potential investment that could change our retirement equation.

Considerations When Buying A New Home

As we began to look for a western mountain town to live in for our early retirement, we did not throw out all conventional wisdom.

On a macro level, we narrowed down our list of potential ski towns first by affordability of housing. We wanted to go somewhere that we could use the equity from our current home to purchase our new home with cash or a very small mortgage.

On a micro level, once we honed in on Ogden, UT we tried to get the best price possible on our home based on local market conditions.

However, we went a step further. Rather than making unnecessary assumptions, we paid close attention to knowing our own personal numbers regarding how our housing decision would affect our overall expenses and lifestyle.

Going back to Kiyosaki’s asset vs. liability principle, we looked at how we could limit the liability of our purchase and possibly create a cash flowing asset.

Limiting Liability

We recently purchased our new home for $240,000. It has nearly identical finished square footage and lot size to our current home in Pennsylvania. It is an older house, but has been extensively remodeled in the past ten years.

The major items (roof, windows, furnace, plumbing, electric, etc.) are the same age or newer than in our now 12-year-old “new construction.” We therefore are assured that we will not have to carry a mortgage once we sell our current home, and the carrying costs (utilities, maintenance, etc.) for the new house should be very comparable to our current home.

Property taxes in Utah are far lower than in Pennsylvania. This comparable house has annual property taxes of $1,600 compared to our current $3,300 property taxes. This means a direct $1,700 annual reduction in liability of home ownership.

Choosing to live in a mountain town will also drastically reduce our indirect expenses associated with our current residence while increasing access to our favorite activities. On a day to day basis, we will now have only a 20-30 minute drive to world-class skiing in the winter. In warmer months, local climbing, hiking and paddling days will now mean walking from our front door to the trailheads or a short 10 minute drive to water activities. This will give us increased access at decreased cost compared to our current hour plus one-way drive to resorts, trailheads, or lakes.

Our travel expenses will decrease greatly. We will also have six additional world class ski resorts in the canyons around Salt Lake City an hour south and Jackson Hole about three hours north. We can drive in our own car and total cost will be the price of a day lift ticket. Previously, we have spent $2,000-$3,000 for a long weekend to fly across country, rent a 4WD vehicle, and pay for hotel rooms before ever purchasing expensive day tickets.

Likewise in the warmer months we will be less than a day drive to many of the west’s great parks including 6 national parks in Utah and the Grand Canyon to the south, and Grand Teton and Yellowstone national parks to the north. This will eliminate the expense of long trips to get to outdoor destinations.

Lowering our property taxes and reducing our transportation and travel expenses should save us in total at least $5,000/year based on our prior years’ expenses. Using the inverse of the 4% rule, we would need to save 25 times our annual spending to support that spending with a traditional stock/bond portfolio. Therefore, reducing this liability means needing at least $125,000 less retirement savings while improving quality of life.

Creating an Asset

Originally, when thinking about moving west we were focused on controlling or even decreasing the liability of home ownership by simply buying a smaller, cheaper home than our current residence.

As we thought about what is really valuable to us, we wanted to have the space to host family and friends. In particular, we wanted to have a place for my parents, who are retired and have a close relationship with our daughter, to stay comfortably for extended periods.

Real estate investor/educator Chad Carson writes about a powerful strategy for new real estate investors that he labels “house hacking”. As he describes the strategy: “A house hack basically means that you buy a small multi-unit real estate property, live in one unit, and rent out the others.”

While we had no desire to live in a duplex or triplex and be landlords to our neighbors, we applied the lessons of house hacking to our personal situation to allow the lifestyle we desire.

We recently became regular customers and big fans of Airbnb for the comfort and value they provide when traveling with our family. We considered being Airbnb hosts.

We thought that if we could find the right property, it could provide us with a smaller, lower-cost main living space that we desired, a comfortable place for family and friends to stay with us as desired, and a potential cash flowing asset when not in use.

As stated above, our newly purchased home has roughly the same square footage as our current home. However, the layout is far different. The new home provides a much smaller primary living space. We also have a separate two-bedroom, one-bath space with a kitchen and living room with a private entry.

Using the extra space as an Airbnb, it should net a minimum of $100/night rented. If we extremely conservatively assume we could rent 50 nights/year (approximately 50% of weekends, no weeknights), we would make $5,000/year. Doubling to 100 nights/year is a reasonable estimate and would yield $10,000/year.

Returning to the inverse of the 4% rule, earning an extra $5,000-$10,000/year would be the equivalent of not having to save $125,000-$250,000 dollars for retirement.

From the standpoint of an investment, this is the equivalent of a 2-4% cash-on-cash return on our primary residence. Unlike our prior assumptions, we are not relying on any appreciation to make money. Any appreciation in home value will only enhance returns.

If we decide we hate being Airbnb hosts and never make a penny from this plan, we have controlled our downside risk by limiting our liability. We also avoided using any leverage to further limit downside risks.

A Message Bigger Than A House

This post introduced some real estate investing ideas that may be new to you. It also demonstrated the application of the concept of using personal spending to calculate retirement saving needs. However, focusing only on specific technical points would miss two much more valuable lessons.

First, to enable the life we truly want we needed to master basic simple fundamentals of personal finance. Tracking our expenses is Personal Finance 101 that “everyone knows,” yet few people actually do.

Our faulty assumptions were the result of the fact that we did not track our expenses for the first decade of our careers. Knowing our personal numbers now allows us to see how much we spend, where our money goes, and what drives our spending. This in turn enables planning in creative ways.

Second, if we want to live a life different than the standard 40-hour work week until age 60 or 70 there are multiple ways to do it. Conventional wisdom is that early retirement requires taking large risks and requires complex technical planning. You must make and then save massive amounts of money or live a life of extreme frugality.

Planning our early retirement has taught my wife and me that simply taking the time to choose what is important to our family and thinking about creative ways to get it can change that entire equation.

As this example showed, we were able to conservatively decrease the retirement saving needs for our family by $125,000 just by decreasing the liabilities associated with owning our current home. By using our new home as an income producing asset, that number very conservatively becomes greater than a quarter million dollar difference in retirement saving needs.

At the same time, this decision will enable us to live the lifestyle we desire, adds no financial risk to our current situation, and requires no sophisticated financial products or techniques. If you design your home ownership as an investor, it can turn into an asset that will help you retire earlier!

* * *


Wednesday, March 28, 2018

3 Beach Resorts Where You Can Surf & Slack at Puraran, Catanduanes

Read article : 3 Beach Resorts Where You Can Surf & Slack at Puraran, Catanduanes

With the Pacific Ocean on the east and the South China Sea on the west, it's no wonder that the Philippines has a variety of surfing spots to choose from--be it for beginners or pro surfers, beach break or reef break, baby waves or hollow barrels. Siargao has "Cloud Nine," San Narciso has "High 5 Lahar," San Antonio has "Magic Left," and the list just goes on.

Puraran
Surf’s up!

Puraran Beach, an isolated cove in Baras, Catanduanes, has its own swells coming in from the Pacific that break on an offshore reef. The “Majestic” is one of the “fastest, most hollow, and right-handed barrels in the world” (from majesticpuraran.com.ph). The term was coined by Hawaiian photographer Warren Bolster in the June 1988 issue of California-based Surfer Magazine. Locals say that on a good day, the waves can reach more than six feet, and even higher during the typhoon season.

Puraran
Puraran Beach, Baras, Catanduanes: Home of the Majestic
Puraran
Between 1 to 3 pm, you can see the seaweeds, clams, mussels, and even small fish that thrive in the tide pools.

In the months of August to October, the Majestic is recommended for advanced and professional surfers only.

Puraran
(Photo courtesy of Puraran Surf Beach Resort.)

One weekend in May, Choose Philippines was invited to the island’s first ever Surf & Music Festival, the “Catanduanes Reef Break 2014" or in Twitter-speak: #CRB2014.

[FOLLOW: Watch out for the next Catanduanes Reef Break - Surf Music Festival!]

For three full days, this was what we woke up to:

Puraran
This photograph doesn't do justice to the beauty of the island.

Being the non-surfer (and later, ehem ehem, a “beginning” surfer) that I was, all I could do was stay on the shore as the professionals paddled out for the competition. And, of course, to lounge the afternoon away in Puraran’s resorts.

Puraran
Surfing 101 during the #CRB2014 Surf Clinic

Disclaimer: Most of the room accommodations don’t have WiFi, a flat screen LCD TV with 100+ cable channels, and Dolby surround sound. They offer something better: friendly local surfers who will share with you stories of waves conquered, a picturesque beach that has an interesting terrain at low tide, and the rhythmic crashing of the water as the wind blows in from the ocean.

1. PURARAN SURF BEACH RESORT

Puraran

Puraran Surf Beach Resort, formerly Puting Baybay Puraran, was established in 1985. It's owned by Celia Estrada-Soria who has witnessed the growth of Puraran from the humble fishing village that it was to the world-renowned surfing attraction that it is now.

It's no secret that Catanduanes is known as the "Land of the Howling Winds" because of the frequent visit of tropical storms coming in from the Pacific Ocean. Though this title doesn't ring true anymore (thanks or no thanks to climate change), Puraran Surf has gone through a lot of building and rebuilding after the onslaught of every storm. Puraransurf.com provides a rundown of the first surfers, landowners, and typhoons that have come and gone much like the ebb and flow of the Majestic.

It was in 1984 when Australian surfer Peter Sutton chanced upon “the wave with the perfect barrel” in Puraran. He met the Soria couple and, along with his Japanese wife Sally, stayed with them for a few months.

Puraran
(Photo courtesy of Puraran Surf Beach Resort.)

Later on, Japanese surfers came and started buying lands from the townsfolk. The Japanese corporation HAROGEN started constructing the “Puraran Beach Resort.” Around the same time, Cecilia sought permission from his father, Jorge Jacob Estrada, to build cottages on their land along the beach (the present site of Puraran Surf Beach Resort).

In 1987, Typhoon Sisang destroyed the Soria-owned cottages. Rebuilding ensued and it was then that the “Puting Baybay Beach Resort” officially started its existence. Three years later, the Estrada-owned “Pacific View Beach Resort” was established through the efforts of Cecilia's sisters.

In 1995, Typhoon Rosing destroyed the Japanese-owned Puraran Beach Resort, the Soria-owned Puting Baybay Beach Resort, and the Estrada-owned Pacific View Beach Resort. Puting Baybay started rebuilding while Pacific View became the “Majestic Beach Resort,” owned by Elena Estrada-Tanael.

In 1998, Typhoon Loleng wiped out every structure on the beach, forcing the two resorts to rebuild yet again.

Puraran
Plastic floating walkway in Puraran as executed by the almost-five-million-peso agreement last 2013 between government-owned Tourism Infrastructure and Enterprise Zone Authority (TIEZA) and a private contractor to construct a "Surfers' Boardwalk and Surfing Viewdeck."

The present Puraran Surf Beach Resort has two types of accommodation: the family resort with native beachfront nipa huts and the dorm-type surf house.

Cottages have their own bathrooms and have a price range of PhP 600 to PhP 1,200. Two of the six huts have cable TV, but who cares?

Puraran

The dorm is perfect for surfers, backpackers, and budget travelers who can cowboy it up in a shared space for 15 people. It has a kitchen, a common bathroom and shower area, and a balcony for early morning wave checks and/or greeting the sunrise. Standard rate is at PhP 400/head/night.

Puraran

Their menu changes daily depending on the fresh catch of the day. The sea is right there, after all.

Puraran
Puraran
Fresh lobster for PhP 230

2. MAJESTIC PURARAN BEACH RESORT

Puraran

Named after Puraran’s signature break, Majestic Puraran Beach Resort was established in 1995. It's owned by Elena Estrada-Tanael and managed by surfer daughter Aireen Tanael. Another Tanael, Chris, can be seen riding the waves when not teaching a beginner.

Majestic Resort has maintained the countryside vibe with all the kubo-style accommodations and a patch of grassland that serves as a tent area. Huts are available for PhP 500 while pitching a tent costs PhP 150. Each room only has the basics: a bed with a mattress, mosquito net, and a bathroom with toilet and faucet. Simple, just like how island life--or life in general, perhaps--should be.

Puraran
The rustic resort has a row of coconut trees as backdrop.
(Photo courtesy of Majestic Puraran Beach Resort.)
Puraran
A room with a natural cooling system: Catanduanes’ sea breeze.
(Photo courtesy of Majestic Puraran Beach Resort.)

Majestic Resort’s dining area is the perfect place for hanging out--and eating, of course--when everywhere else is flat (no waves). Set meals (chicken/fish/pork/lobster with vegetables & rice) are available for PhP 150. Let me say that again: lobster + vegetables + rice for PhP 150. Other viands of choice are pork sinigang, ginataang tulingan, pakbet, porkchop, fried chicken, Bicol express, and pork adobo. Sandwiches are at PhP 35-45, burgers at PhP 40-50, and a plate of pansit bihon/canton is at PhP 180. You can also order a fruit shake for just PhP 50. A bottle of beer costs only PhP 40 but don’t drink and surf!

Puraran
The resort’s one-stop shop for your stomach’s needs.
Puraran
Breakfast of champions? Omelette with toast for PhP 75
Puraran
Bits of chili pepper are well-hidden in this plate of Bicol Express. Don’t say I didn’t warn you. I wasn’t!

3. PACIFIC SURFERS’ PARADISE

Puraran

The youngest of the three resorts in Puraran, Pacific Surfers' Paradise opened early this year. In fact, they were still doing the last brush strokes and fitting doors into frames on their air-conditioned rooms when we got there.

When I asked one of the owners, Dr. Rodolfo E. Joson, why their family decided to open a resort in Puraran, he said "It is because Puraran Beach is one of the most beautiful beach and one of the top surfing destinations in the Philippines." Now, the family of the Manila-based physician has a peaceful beach resort ideal for surfing and swimming right in their own backyard.

Puraran
(Photo courtesy of Dr. Rodolfo E. Joson, Pacific Surfers’ Paradise.)

Spending the night in a duplex cottage costs PhP 1,700 while a single cottage costs PhP 800.

Puraran
(Photo courtesy of Dr. Rodolfo E. Joson, Pacific Surfers’ Paradise.)
Puraran
(Photo courtesy of Dr. Rodolfo E. Joson, Pacific Surfers’ Paradise.)

Aside from cottages, Pacific Surfers' Paradise has one-floor building with rooms for two persons. Aircon room is at PhP 1,500 while non-aircon room is at PhP 800. You can add an extra mattress (PhP 200) to accommodate a total of four persons.

Short orders of the 'silog' range from PhP 90 to PhP 120. Set meals (chicken/pork/lobster with vegetables & rice) are at PhP 150. If you want to share (or not share, no judgment here) a whole chicken after a day of surfing, chip in for PhP 400.

Dr. Joson also recommends Balakay Point for the best view of the cove. It's 15 minutes by car/tricycle from the beach and another 30 minutes by foot.

Where on Earth is Puraran?

Puraran is one of the 29 barangays of Baras, a fifth class municipality in the island-province of Catanduanes (capital: Virac) in the Bicol Region of the Philippines.

Puraran
(Courtesy of Google Maps.)

How to Get There

(from catanduanes.gov.ph)

By Air:Cebu Pacific flies from Manila to Virac every Monday, Wednesday, Friday and Sunday (ETD: 0600; travel time: 1h 10m).

By Land/Water:Numerous bus lines operate air-conditioned coaches from Manila to Tabaco, Albay (travel time: 9-10h). From the seaport of Tabaco, hop on either at MV Calixta 2, 4 and 5 or MV Eugene Elson to reach the island of Catanduanes via Virac seaport (ETD: 0630; travel time: 4h; aircon: Php 310; non-aircon: Php 240). Jeepneys and buses ply from Virac to Baras daily (travel time: 1h 30 m; Php 35-45). Take a tricycle from Baras to Puraran (Php 150.00).


Beach bumming in Puraran was just the start of our 8-day Catanduanes adventure last May. Watch out for our feature on skimboarding at Mamangal Beach (Virac), kayaking at Amenia Beach & spelunking at Luyang Cave Park (San Andres), snorkeling in Carangyan Beach & carabao-riding at Hiyop Point (Pandan), and many more.

Puraran
Sneak peek: Choose Philippines Editor-in-Chief Phillip Kimpo Jr. tries to catch a fish for lunch
(Kuripdas Fishing Lagoon & Resort, Virac)

Many thanks to the Provincial Tourism Office of Catanduanes (Tourism Officer Carmel Bonifacio Garcia; Armie Villanueva, Maria Glenda Borja Tablate, and Kuya Buboy) and the Catanduanes Reef Break Organizing Team (Festival Director Ezra Efondo † and Sponsorship Coordinators Jean Grey Garcia & Moireen Espinosa).

Visit online: Catanduanes Tourism Promotion | Surf Catanduanes


More on Catanduanes

Virac
Twin Rock Beach Resort, Virac, Catanduanes

Other Surfing Destinations in the Philippines

1) LUZON: Baler, Aurora

Baler

2) LUZON: Crystal Beach, Zambales

Crystal

3) VISAYAS: Guian, Samar

Guian
Photo credit: Guiuan, Eastern Samar FB Page

4) VISAYAS: 6 Spots

Vis
Photo credit: Eastern Samar Surfing

5) MINDANAO: Siargao

image

6) MINDANAO: 6 Spots

image