This means you are free:

• to Share -- to copy, distribute, display, and perform the work
• to Remix -- to make derivative works

...but only under the following conditions:

• Attribution. You must attribute the work in the manner specified by the author or licensor.
• Noncommercial. You may not use this work for commercial purposes.
• Share Alike. If you alter, transform, or build upon this work, you may distribute the resulting work only under a license identical to this one.
• For any reuse or distribution, you must make clear to others the license terms of this work.

Any of these conditions can be waived if you get permission. I charge reasonable reprint fees where applicable. E-mail writer (at) mjoy (dot) org to request permission. Also, I would strongly prefer to be contacted whenever my work is being used, even within the terms of the license. I'm just curious. Thanks!

This license does not apply to articles published in Shelterforce before 2002 or Metroland before May 5, 2006, to any other works for which the publisher has purchased exclusive rights that are currently active, or where otherwise noted. In all those cases the copyright resides with the publisher or designated party. If you are not sure, please ask. For Shelterforce reprints, contact the National Housing Institute. For Metroland reprints, you can still contact me.

Please also consider using Creative Commons licensing for your own work and supporting this wonderful alternative to the all-or-nothing insanity of the current copyright debates.