Download or read book Local Dollars Local Sense written by Michael Shuman and published by Chelsea Green Publishing. This book was released on 2012 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Local Dollars, Local Sense is a guide to creating Community Resilience. Americans' long-term savings in stocks, bonds, mutual funds, pension funds, and life insurance funds total about $30 trillion. But not even 1 percent of these savings touch local small business-even though roughly half the jobs and the output in the private economy come from them. So, how can people increasingly concerned with the poor returns from Wall Street and the devastating impact of global companies on their communities invest in Main Street? In Local Dollars, Local Sense, local economy pioneer Michael Shuman shows investors, including the nearly 99% who are unaccredited, how to put their money into building local businesses and resilient regional economies-and profit in the process. A revolutionary toolbox for social change, written with compelling personal stories, the book delivers the most thorough overview available of local investment options, explains the obstacles, and profiles investors who have paved the way. Shuman demystifies the growing realm of local investment choices-from institutional lending to investment clubs and networks, local investment funds, community ownership, direct public offerings, local stock exchanges, crowdfunding, and more. He also guides readers through the lucrative opportunities to invest locally in their homes, energy efficiency, and themselves. A rich resource for both investors and the entrepreneurs they want to support, Local Dollars, Local Sense eloquently shows how to truly protect your financial future--and your community's.
Download or read book Local Money written by Peter North and published by Green Books. This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: An inspiring yet practical new book, Local Money helps you understand what money is and what makes good and bad money. It draws on the considerable track record of experimentation with local money around the world and gives ideas to those in the Transition movement and beyond about what has been tried, what works, and what to avoid.
Download or read book Local Money written by John Rogers and published by Triarchy Press. This book was released on 2013-06-12 with total page 49 pages. Available in PDF, EPUB and Kindle. Book excerpt: Local money has been used for hundreds of years and throughout the world, yet very few of us understand what it's all about. Recently, Bristol and Brixton launched their own 'Pounds', but why? We all need money - to stay alive, to buy essential goods and services. But when jobs and money are in short supply it's largely because 97% of national money is controlled by the private banking industry. They trade, gamble and invest money where they can earn the biggest profit. And when the banks are in trouble so are ordinary people.By contrast, local currencies are owned by the community. They are designed to support local businesses, local jobs, local producers and services, local crafts and artists, community initiatives, charities, volunteers, etc. They create strong social networks and ensure that the community thrives even in a recession. By keeping the currency local, they protect it from speculators who will only invest if there is a profit to be had.This pamphlet explains the practical differences between national and local money - how local currencies work, what they can do that national money can't do, and why they are needed. If you are lucky enough to have a local currency, find out why you should join it. If you don't, you might be inspired to start one!Local money has been used for hundreds of years and throughout the world, yet very few of us understand what it's all about. Recently, Bristol and Brixton launched their own 'Pounds', but why? We all need money - to stay alive, to buy essential goods and services. But when jobs and money are in short supply it's largely because 97% of national money is controlled by the private banking industry. They trade, gamble and invest money where they can earn the biggest profit. And when the banks are in trouble so are ordinary people.By contrast, local currencies are owned by the community. They are designed to support local businesses, local jobs, local producers and services, local crafts and artists, community initiatives, charities, volunteers, etc. They create strong social networks and ensure that the community thrives even in a recession. By keeping the currency local, they protect it from speculators who will only invest if there is a profit to be had.This pamphlet explains the practical differences between national and local money - how local currencies work, what they can do that national money can't do, and why they are needed. If you are lucky enough to have a local currency, find out why you should join it. If you don't, you might be inspired to start one!Local money has been used for hundreds of years and throughout the world, yet very few of us understand what it's all about. Recently, Bristol and Brixton launched their own 'Pounds', but why? We all need money - to stay alive, to buy essential goods and services. But when jobs and money are in short supply it's largely because 97% of national money is controlled by the private banking industry. They trade, gamble and invest money where they can earn the biggest profit. And when the banks are in trouble so are ordinary people.By contrast, local currencies are owned by the community. They are designed to support local businesses, local jobs, local producers and services, local crafts and artists, community initiatives, charities, volunteers, etc. They create strong social networks and ensure that the community thrives even in a recession. By keeping the currency local, they protect it from speculators who will only invest if there is a profit to be had.This pamphlet explains the practical differences between national and local money - how local currencies work, what they can do that national money can't do, and why they are needed. If you are lucky enough to have a local currency, find out why you should join it. If you don't, you might be inspired to start one!
Download or read book Financing Our Foodshed written by Carol Peppe Hewitt and published by New Society Publishers. This book was released on 2013-04-01 with total page 187 pages. Available in PDF, EPUB and Kindle. Book excerpt: “[Hewitt] paints an engaging portrait of a community learning how to take care of its own, and offers inspiration for others looking to do the same.” —Amy Cortese, author of Locavesting In towns and cities across North America, a quiet revolution is underway. Fed up with sending their money off to make a fast buck in faraway markets, people are putting their money to work where they live, in markets they trust and understand—starting with food. Financing Our Foodshed is a collection of real-life stories of these Slow Money pioneers and the local food entrepreneurs—sustainable farmers, bakers, restaurateurs, and more—they have chosen to support. Fueled by their desire to do more than just eat local food, lenders of “nurture capital” are making low-interest, peer-to-peer loans to the people who produce, process, distribute and sell local food. Meet these passionate food entrepreneurs like: Abi, talented artist-turned-baker, who borrowed the funds to start a gluten-free bakery Angelina, owner of a Greek local foods restaurant, who refinanced exorbitant credit card debt incurred by renovations Chatham Marketplace, a much-loved grocery co-op whose monthly loan payments were reduced by a third, thanks to an ambitious collaboration between 16 investors Financing Our Foodshed tells the compelling stories of ordinary people doing something extraordinary, and will appeal to anyone who understands the critical importance of sustainably grown local food and resilient local economies, and wants a blueprint to get us there. “For anyone seriously interested in boosting his or her community’s economy—including politicians, policymakers, financiers, businesspeople, and activists—this book is essential reading.” —Michael H. Shuman, author of Put Your Money Where Your Life Is
Download or read book Hometown Money written by Paul Glover and published by . This book was released on 1995 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Money and Modernity written by David Akin and published by . This book was released on 1999 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: This collection of original essays explores money and its social dynamic in eight different Melanesian communities in order to determine why the people of Melanesia continue to use traditional kinds of currency, such as shells, alongside more modern types. When the answer to this question is examined in relation to the use of money in other countries, an entirely new model for thinking about money develops.
Download or read book The Color of Money written by Mehrsa Baradaran and published by Harvard University Press. This book was released on 2017-09-14 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Read this book. It explains so much about the moment...Beautiful, heartbreaking work.” —Ta-Nehisi Coates “A deep accounting of how America got to a point where a median white family has 13 times more wealth than the median black family.” —The Atlantic “Extraordinary...Baradaran focuses on a part of the American story that’s often ignored: the way African Americans were locked out of the financial engines that create wealth in America.” —Ezra Klein When the Emancipation Proclamation was signed in 1863, the black community owned less than 1 percent of the total wealth in America. More than 150 years later, that number has barely budged. The Color of Money seeks to explain the stubborn persistence of this racial wealth gap by focusing on the generators of wealth in the black community: black banks. With the civil rights movement in full swing, President Nixon promoted “black capitalism,” a plan to support black banks and minority-owned businesses. But the catch-22 of black banking is that the very institutions needed to help communities escape the deep poverty caused by discrimination and segregation inevitably became victims of that same poverty. In this timely and eye-opening account, Baradaran challenges the long-standing belief that black communities could ever really hope to accumulate wealth in a segregated economy. “Black capitalism has not improved the economic lives of black people, and Baradaran deftly explains the reasons why.” —Los Angeles Review of Books “A must read for anyone interested in closing America’s racial wealth gap.” —Black Perspectives
Download or read book Oregon Blue Book written by Oregon. Office of the Secretary of State and published by . This book was released on 1895 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Creating Wealth written by Gwendolyn Hallsmith and published by New Society Publishers. This book was released on 2011-05-01 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: The power of local currencies Communities everywhere are challenged by issues such as health, elder and child care, housing, education, food security and the environment. On the surface, these problems appear to be rooted in economic crisis-forexample budget cuts have triggered reduced public services, soaring food prices have created food security concerns, and the subprime mortgage disaster has spawned record increases in foreclosures and homelessness. However if communities could match their unmet needs with their underutilized resources, many would find that while their economies may bestruggling when measured in traditional terms, they possess enough genuine wealth to allow all their inhabitants to enjoy a vastly improved quality of life. Creating Wealth demonstrates how a healthy society can beattained through developing new systems of exchange. Using creative initiatives such as time banks, systems of barter and exchange and local currencies, cities and towns can empower themselves and build vibrant, healthy, sustainable local economies. In addition to presenting many compelling case studies of successful alternative currencies in action, Creating Wealth also explores the different types of capital that communities have to draw on, including natural, built, social, human, institutional, cultural, technological, and financial. This book will appeal to community activists, city planners and other public officials, and anyone interested in developing strong local economies. Gwendolyn Hallsmith is the founder and director of Global Community Initiatives and the author of The Key to Sustainable Cities . Bernard Lietaer is the world's leading authority on complementary currencies and the author of The Future of Money .
Download or read book Guidance Note For Developing Government Local Currency Bond Markets written by International Monetary Fund and published by International Monetary Fund. This book was released on 2021-03-12 with total page 157 pages. Available in PDF, EPUB and Kindle. Book excerpt: This guidance note was prepared by International Monetary Fund (IMF) and World Bank Group staff under a project undertaken with the support of grants from the Financial Sector Reform and Strengthening Initiative, (FIRST).The aim of the project was to deliver a report that provides emerging market and developing economies with guidance and a roadmap in developing their local currency bond markets (LCBMs). This note will also inform technical assistance missions in advising authorities on the formulation of policies to deepen LCBMs.
Download or read book State and Local Money Laundering Control Strategies written by Clifford Karchmer and published by . This book was released on 1992 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Flow of Money and Its Impact on Local Economies written by William H. Fruth and published by DIANE Publishing. This book was released on 2008-10 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: This publications was developed in a continuing effort to develop new resources that office and industrial development professionals can use to shape the business landscape of the new millennium. Discusses the primary influences to productive community growth. Shows that not all jobs stimulate the local economy and not all population growth leads to prosperity. Defines the kind of industry a community must attract in order to increase both the quantity and quality of money that flows into the local economy. One of the goals of Smart Growth should be to have a thriving community in which all citizens benefit. This fresh outlook on growth will be a valuable tool for those who want to live and work in vibrant and financially secure communities. Illus.
Download or read book Happy Money written by Elizabeth Dunn and published by Simon and Schuster. This book was released on 2013-05-14 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you think money can’t buy happiness, you’re not spending it right. Two rising stars in behavioral science explain how money can buy happiness—if you follow five core principles of smarter spending. If you think money can’t buy happiness, you’re not spending it right. Two rising stars in behavioral science explain how money can buy happiness—if you follow five core principles of smarter spending. Happy Money offers a tour of new research on the science of spending. Most people recognize that they need professional advice on how to earn, save, and invest their money. When it comes to spending that money, most people just follow their intuitions. But scientific research shows that those intuitions are often wrong. Happy Money explains why you can get more happiness for your money by following five principles, from choosing experiences over stuff to spending money on others. And the five principles can be used not only by individuals but by companies seeking to create happier employees and provide “happier products” to their customers. Elizabeth Dunn and Michael Norton show how companies from Google to Pepsi to Crate & Barrel have put these ideas into action. Along the way, the authors describe new research that reveals that luxury cars often provide no more pleasure than economy models, that commercials can actually enhance the enjoyment of watching television, and that residents of many cities frequently miss out on inexpensive pleasures in their hometowns. By the end of this book, readers will ask themselves one simple question whenever they reach for their wallets: Am I getting the biggest happiness bang for my buck?
Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
Download or read book Strong Towns written by Charles L. Marohn, Jr. and published by John Wiley & Sons. This book was released on 2019-10-01 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.
Download or read book It s Money written by Charles Moore and published by charles. This book was released on 2020-11-01 with total page 1311 pages. Available in PDF, EPUB and Kindle. Book excerpt: Because most people and their countries seek wealth and power, and because money and credit are the biggest single influence on how wealth and power rise and decline, if one does not seek knowledge of how money works, one cannot understand the biggest driver of politics within and between countries; hence one cannot understand how the world order works. If one doesn’t understand how the world order works, one can’t understand the post-pandemic debt tsunami that’s coming. I believe that the times ahead will be radically different from the times we have experienced so far in our lifetimes. It is indeed quite astonishing that money, ever-present in our lives, is so poorly understood; even by many economic experts themselves. This incomprehension stems from the deliberate efforts of the financial sector to “obscure its activities” in order to maintain its omnipotence. This book seeks to address this “crisis of ignorance” by providing an easily understood and comprehensive understanding of money in the hope of empowering people against finance’s grip over their lives and those of their society. The digital revolution post-pandemic, will lead to a radical departure from the traditional model of monetary exchange. The creation of a Digital Financial Market Infrastructure will underpin the unbundling and re-bundling of the functions of money within society. Although digital money itself is not new to modern economies, digital legal tender (DLT), which exists without any Ledger or Central Bank, will facilitate instantaneous peer-to-peer transfers of value in a way that today is impossible. The importance of digital connectedness, will often supersede the importance of macroeconomic links, and lead to the establishment of “Digital Financial Markets” linking the currency to membership of a particular financial market rather than to a specific country. Capitalism underpins wealth generation and hence the existence of a free digital financial market. This book seeks to transform Money into a digital currency, which supports a more equitable access to capital, and ensure its convertibility into a universal World Currency Unit as digital legal tender. Digital currencies without borders may also cause an upheaval of the international monetary system: countries that are socially or digitally integrated with their neighbours may face digital dollarization, and the prevalence of systemically important platforms could lead to the emergence of digital currency areas that transcend national borders. Digital legal tender, within a multiplicity of currencies, ensures that money as a public good, remains a relevant medium of exchange which achieves payment finality to all transactions. Additionally, the universal supranational-currency, the World Currency Unit is defined to support the global transfer of value between any two people on the planet today, without the need for any treaties, or financial service intermediaries. Universal access to capital which is readily convertible to globally trusted units of account combined with a censorship-resistant means of payment underpins global trade, will improve market access for holders of low per-unit value, producers, and consumers in developing and developed countries. The Vision is a Borderless Global Market, underpinning universal wealth creation, which never closes… This book defines the Universe of Discourse(domain) and hence creates a shared conceptual schema (or language) within which to communicate and deploy a Digital Currency, to achieve universal legal finality to all financial transactions.
Download or read book Moneyed Money written by Joseph Van Hal and published by Vior Webmedia. This book was released on 2024-09-21 with total page 900 pages. Available in PDF, EPUB and Kindle. Book excerpt: "MONEYED MONEY" offers insight into how the term 'money', uttered by over 7 billion people daily, often remains largely misunderstood. Despite numerous attempts by governments, scholars, bankers, and international organisations to pin down a definition, the conclusion typically echoes Jean Gabin's sentiment: "Maintenant je sais" (this time I know). However, the true understanding often resides with the ordinary person grappling with daily concerns about meeting basic needs. The book guides readers through a brief history of the concept of money, explores reflections by significant historical academics, and delves into the fundamental element of trust and confidence in relation to the precious metal "gold". Moneyed Money's conclusion clarifies how, with technological innovations, even the most impoverished individuals may metaphorically purchase a single 'onion' by utilizing a pure gold instrument for indirect exchange. ADDENDA: ADD1 -'Fauteuil'-Academics on Money -- ADD2 -A Monetary Pitfall called... Value -- ADD3 -A 'Quixotic' Relic -- ADD4 -John Maynard Keynes - Locke(d) -- ADD5 -Lowndes-Locke Controversy in the 21th-C. -- ADD6 -Golden Governments -- ADD7 -Deceitful Banking Doctrines -- ADD8 -A Chronology of Monetary Evolution. Eight addenda explore various perspectives, each adding to the ultimate conclusion of Moneyed Money. I am convinced that not every reader will appreciate my subtly sarcastic tone towards well-known political and academic figures appearing in these addenda.
