time dollars » TimeBank Mahoning Watershed

Let’s eliminate Inflation.  Would a local town inflate their own money?  So it is America’s best interest to pull out of strangers banks and remove our money into our local community cash reserves.


time dollars » TimeBank Mahoning Watershed.


Democracy at Work Institute

Income inequality and mortality in 282 metropo...
Income inequality and mortality in 282 metropolitan areas of the United States. Mortality is correlated with both income and inequality. (Photo credit: Wikipedia)

US Federation of Worker CooperativesTools


The Democracy at Work Institute expands the promise of cooperative business ownership to reach those communities most directly affected by social and economic inequality. It ensures that further growth in the worker cooperative movement is both rooted in worker cooperatives themselves and reaches out to new communities of worker-owners. Learn more…

Twin Pines, the international symbol for coope...
Twin Pines, the international symbol for cooperatives (Photo credit: Wikipedia)

via Democracy at Work Institute.

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Veteran Owned Business Directory | Veterans Businesses | Free Listings | Owned By United States Military Veterans | Veteran-Owned Member Company | SDVOSB | VOB | DVBE | Service Connected Disabled

Image representing VeteranOwnedBusiness.com as...
Image via CrunchBase

Click on the picture.  Copied from their web page Sunday March 23rd, 2014

Welcome To The Veteran Owned Business Directory

VeteranOwnedBusiness.com is a comprehensive, user friendly directory of small, medium and large businesses owned by veterans, active duty military, reservists and service disabled veterans released on Veteran’s Day 2008. Now Americans in the United States and abroad have an easy way to proudly search for products and services that are unique in the fact that they are all made by, sold by or serviced by United States military veterans!

Is your company owned by a veteran (VOB), active duty military, reservist or service disabled veteran (SDVOSB / DVBE) of the United States Army (USARMY), Air Force (USAF), Marines (USMC), Navy (USN), Coast Guard (USCG) or National Guard? If it is, be sure to get your company’s free listing on our veteran owned business directory. There is no charge to search for service disabled veteran-owned businesses (SDVOSB) and veteran-owned businesses (VOB) and there is no cost to list your business if it is owned by a past or present member of the United States Armed Forces!

via Veteran Owned Business Directory | Veterans Businesses | Free Listings | Owned By United States Military Veterans | Veteran-Owned Member Company | SDVOSB | VOB | DVBE | Service Connected Disabled.

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Workers unite! (So you can become capitalists) – NBC News.com

This post copied verbatim from NBC on Dec 14th,2013

Workers unite! (So you can become capitalists)

Mark Koba CNBC

 conference room at JCJ Architecture. The firm became fully owned by its employees this year.

conference room at JCJ Architecture. The firm became fully owned by its employees this year.

JCJ Architecture

A conference room at JCJ Architecture. The firm became fully owned by its employees this year. The number of worker-owned businesses in the U.S. is growng by about 10 percent each year.

It\’s good to be one of the bosses — but what if the bosses are also the workers?

The number of employee-owned business is growing by about 10 percent each year in America — the spiritual home of capitalism — but that doesn\’t mean the country is turning communist.

The National Center for Employee Ownership says there can be big benefits for a business owned by the people who work for it — so-called ESOP\’s, or firms with Employee Stock Ownership Plans.

\”There are tax benefits for owners to sell to their workers, and workers get good retirement packages from ESOPs as owners,\” said Loren Rodgers, executive director of the NCEO.

\”The numbers are increasing because people are worried about their retirement,\” she said.

In 1999, there were 9,400 firms with employee stock ownership plans. Currently, there are at least 11,500 such firms with assets totaling $400 billion and employing some 13 million people, according to the NCEO.

And the growth rate for companies setting up ESOPs—for either partial and full employee ownership—is now 10 percent or higher every year.

American workers owning some or all of their company is nothing new. However, a major boost to employee-ownership came from passage in 1974 of federal legislation providing special tax benefits to ESOPs—the legal structure which most firms now use for worker ownership.

Companies are usually bought by workers through the purchase of the owner\’s private or public stock. A trust in the ESOP will own the stock and the debt that came with it. Funds for the company purchase come predominately from bank loans.

The ESOP trust also works as a defined contribution retirement plan—which has financial contributions from both workers and the company—that gets paid out to workers after a certain length of employment.

Those retirement plans are creating the recent push to ESOPs, said Rodgers.

And easier credit has helped as well, said Howard Levine, a partner and chair of law firm Drinker Biddle & Reath\’s ESOP team. \”Banks are loosening up when it comes to loans for ESOPs,\” he said. \”There\’s some optimism on the banks\’ part when it comes to these loans.\”

via Workers unite! (So you can become capitalists) – NBC News.com.

Our Harvest Cooperative-Growing, Supplying, Training

BuyLocalFood OurCSA OurFarms LearnMore Our weekly e-newsletter includes updates from the farm, information about new vegetables, and delicious recipe ideas.We encourage anyone who would like to know more about happenings on the farm to email csa@ourharvest.coop to be added to the list.Our Harvest Cooperative | 4211 Williamson Place, Cincinnati, OH 45223 | ourharvest@ourharvest.coopPrivacy Policy | Terms of Service | Refund Policy | Producer Login | Contact Us©- Local Food Marketplace

via E-Newsletter.


Our Harvest has beef for sale again! 

  • Orders must be placed through our online store (link above) by Sundays at 5 PM for pick-up that week.
  • Pick up is available at the following CSA drop-offs: Dienger Family Home (Loveland), Rohs Street Café (Clifton Heights), Bahr Farm (College Hill), Madeira Farmers’ Market (Madeira), and Mt. Auburn Presbyterian Church (Mt. Auburn). More information about pick-up location dates and times can be found on the Winter CSA page.
  • PLEASE NOTE: Cuts of beef are listed on the website based on an average weight; however, because in reality each cut of beef weighs a different amount, we will not run your card until after you have picked up your order. We will track the weight of the product you receive and will make the appropriate changes to your total before running your card.
  • The beef will be wrapped in paper and frozen; please store in your freezer until ready to thaw and eat. We are limiting the pick-up to one location to ensure that the meat is kept frozen.
  • We have been told that the beef is very lean, so please take care when cooking. Lean meat requires less time to cook.
  • Our cattle were raised on grass, hay, and vegetables (no grain); finished on pasture; and processed locally. We hope you enjoy!


Our Harvest Cooperative’s produce can currently be purchased in-person at:

If you are a retail establishment or restaurant, and are interested in purchasing produce from us, please contact Kristin Gangwer at kristin@ourharvest.coop for our current availability and pricing.

Online produce ordering for restaurants and retail establishments is coming soon!

We currently accept Visa and Mastercard.

Community wind energy – Wikipedia, the free encyclopedia

Wikipedia reports on Wind Farm Cooperatives in Denmark and the United States.

Copied verbatim at 2:41 pm Thursday December 12th, 2013.


See also: Wind power in Denmark and Middelgrunden

In Denmark, families were offered a tax exemption for generating their own electricity within their own or an adjoining commune.[4] By 2001 over 100,000 families belonged to wind turbine cooperatives, which had installed 86% of all the wind turbines in Denmark, a world leader in wind power.[5] Wind power has gained very high social acceptance in Denmark, with the development of community wind farms playing a major role.[6]

In 1997, Samsø won a government competition to become a model renewable energy community. An offshore wind farm comprising 10 turbines (making a total of 21 altogether including land-based windmills), was completed, funded by the islanders.[7] Now 100% of its electricity comes from wind power and 75% of its heat comes from solar power and biomass energy.[8] An Energy Academy has opened in Ballen, with a visitor education center.[9]


See also: Wind power in Germany and Paderborn Wind Farm

In Germany, hundreds of thousands of people have invested in citizens\’ wind farms across the country and thousands of small and medium sized enterprises are running successful businesses in a new sector that in 2008 employed 90,000 people and generated 8 percent of Germany\’s electricity.[10] Wind power has gained very high social acceptance in Germany, with the development of community wind farms playing a major role.[6]

In the German district of North Frisia there are more than 60 wind farms with a capacity of about 700 MW, and 90 percent are community-owned. North Frisia is seen to be a model location for community wind, leading the way for other regions, especially in southern Germany.[11]

United States

National Wind is a large-scale community wind project developer, with thirteen families of projects in development or operation. These projects have an aggregate capacity of over 4,000 MW. The vision of the company is to revitalize rural economies by promoting investment in domestic renewable energy resources. National Wind creates shared ownership with communities and allows them participation in decisions which are made.[24] In March 2009, National Wind formed Little Rock Wind LLC, its 7th Minnesota-based, community-owned wind energy company. The company will develop up to 150 MW of wind power within Big Stone County, Minnesota, over the next 5 to 7 years.[25]

As of 2012, OwnEnergy is currently the largest national company in community wind in the US. OwnEnergy has developed 27 community wind projects totalling more than 1,000 MW across 14 US states. The company’s strategy is to attend trade shows and “let the customers come to us” – ensuring that local support is already in place. A cornerstone of the company’s approach is that “profits will be reinvested into the community”.[26]

Goodhue Wind LLC is not a community wind development company in Goodhue County, Minnesota. The company intended to develop a 78 MW wind farm, which would have supplied electricity to Midwestern utilities and ultimately to Midwestern homes and businesses. Goodhue Wind expected the project to be operational between late 2009 and early 2010. But lack of true community support has delayed the project.[27]

Business models

Community shared ownership

In a community-based model, the developer/manager of a wind farm shares ownership of the project with area landowners and other community members. Property owners whose land was used for the wind farm are generally given a choice between a monthly cash lease and ownership units in the development. While some community wind projects, such as High Country Energy in southern Minnesota, issued public shares after the project’s formation, investment opportunities are usually offered to local citizens before the wind development is officially created.[28]


A wind turbine cooperative, also known as a wind energy cooperative, is a jointly owned and democratically controlled enterprise that follows the cooperative model, investing in wind turbines or wind farms.[29] The cooperative model was developed in Denmark. The model has also spread to Germany, the Netherlands and Australia, with isolated examples elsewhere.


Some places have enacted policies to encourage development of municipally owned and operated wind turbines on town land. These projects are publicly owned and tax exempt. An example is the Hull Wind One project in Massachusetts’ Boston Harbor in 2001. A 660 kW wind turbine was installed, and is still a great example of small scale commercial wind.[30]

Impacts of community wind energy


Once a wind farm project is established in a community, jobs are needed for: manufacturing the materials needed to build the project, transportation of supplies to the project area, and construction of the project as well as building roads leading to the project. After the project is complete, jobs will be needed to maintain and operate the facility. According to a study by the New York State Energy Research and Development Authority, wind energy produces 27% more jobs per kilowatt-hour than coal plants and 66% more jobs than natural gas plants. 3.[31] Landowners will also collect revenues for hosting turbines on their property. Given a typical wind turbine spacing requirements, a 250-acre farm could increase annual farm income by $14,000 per year with little effect on their normal farming and ranching operations. 4.[31] Community wind energy projects increase local property taxes which were originally low because there was very little to be taxed due to the sparse population and vast farm land. Once the wind turbines are in service they are taxed, creating much needed revenue for the local community.


The Midwest and the Great Plains regions in the United States are ideal areas for community wind energy projects; they are also often prone to drought. Fossil fuel plants use large amounts of water for cooling purposes which is detrimental to communities’ water supply if there is a drought. Wind turbines do not use any water since there is no considerable amount of heat produced during energy generation. Wind energy adds power to the electric grid which decreases the amount of oil needed to generate a community’s electricity. Local land owners, who produce the wind energy, can also control the amount of energy produced, which expands the regional energy mix. Overall community wind energy reduces the local community’s dependence on oil but, because of the subsidies involved, can greatly increase their costs for electricity.


Livestock ignore wind turbines,[32] and continue to graze as they did before wind turbines were installed.

Compared to the environmental impact of traditional energy sources, the environmental impact of wind power is relatively minor. Wind power consumes no fuel, and emits no air pollution, unlike fossil fuel power sources. The energy consumed to manufacture and transport the materials used to build a wind power plant is equal to the new energy produced by the plant within a few months. While a wind farm may cover a large area of land, many land uses such as agriculture are compatible, with only small areas of turbine foundations and infrastructure made unavailable for use.[33]

There are reports of bird and bat mortality at wind turbines as there are around other artificial structures. The scale of the ecological impact may[34] or may not[35] be significant, depending on specific circumstances. Prevention and mitigation of wildlife fatalities, and protection of peat bogs,[36] affect the siting and operation of wind turbines.

There are anecdotal reports of negative effects from noise on people who live very close to wind turbines. Peer-reviewed research has generally not supported these statements.[37]

Policy, issues, and legislation

In 1992, the renewable energy production tax credit of 2.1 cents per kilowatt-hour was established. In February 2009, through the American Recovery and Reinvestment Act, Congress acted to provide a three-year extension of the PTC through December 31, 2012.[38] Wind projects that were up and running in 2009 and 2010 can choose to receive a 30% investment tax credit instead of the PTC. The investment tax credit is also an option for wind projects that are in service before 2013 if the final construction is complete before the end of 2010. Smaller wind farms (100 kW or less) can receive a credit for 30% towards the cost of installment of the system. The ITC, written into law through the Emergency Economic Stabilization Act of 2008, is available for equipment installed from October 3, 2008 through December 31, 2016. The value of the credit is now uncapped, through the American Recovery and Reinvestment Act of 2009.[39]

In order to ensure wind energy’s future in the energy market, the renewable electricity standard (RES) is a policy in which market mechanisms guarantee a growing percentage of electricity produced comes from renewable sources, like wind energy. The RES exists in 28 states (not at a national level). An example is the Obama-Biden New Energy for America plan, which sets future goals of rapid renewable energy production at 10% by 2012.[39]

A pressing issue of concern is the lack of a modern interstate transmission grid which delivers carbon free electricity to customers. Currently the US Senate and the Natural Resources Committee have reported the bill out of committee on June 17, 2009. A combined energy and climate bill is expected to be considered by the full Senate this fall. In the US House of Representatives the House Energy and Commerce Committee approved a comprehensive energy and climate bill on May 21, 2010.

The clean air and climate change policy is goal to switch from fossil fuel energy sources to renewable carbon-free energy sources for electricity production. Generating 20% of U.S. electricity from wind would be the climate equivalent of removing 140 million vehicles from the roadways. Currently the US Senate Committee on Environmental and Public Works has control over the legislation and will begin to complete a markup by September 25, 2009. The House of Representatives passed the American Clean Energy and Security Act on June 26, 2009, comprising a provision to reduce carbon dioxide emissions 17% below 2005 levels by 2020 and 83% below 2005 levels by 2050. It also allocates a portion of the allowances given away for free to energy efficiency and renewable energy. However, the allowances flow through state governments rather than directly to renewable generators.

Overall federal funding for community wind research and development is insufficient and even more so when compared to other fuels and energy sources. In 2009 the US Department of Energy (DOE) received $118 million from the American Recovery and Reinvestment Act for wind energy research and development. In 2010 the Senate passed a bill granting the DOE $85 million for the DOE wind program. For the same purpose, the House of Representatives allowed the DOE $70 million.

See also

via Community wind energy – Wikipedia, the free encyclopedia.

Worker cooperative – Wikipedia, the free encyclopedia

This was copied verbatim from Wikipedia.org at 2:24 pm Thursday, December 12, 2013

It is an introduction to lots of organiational forms which worker owned Co-ops have developed in countries across the world.

Typically, a member may only own one share to maintain the egalitarian ethos. Once brought in as a member, after a period of time on probation usually so the new candidate can be evaluated, he or she was given power to manage the coop, without \”ownership\” in the traditional sense. In the UK this system is known as common ownership.

Some of these early cooperatives still exist and most new worker cooperatives follow their lead and develop a relationship to capital that is more radical than the previous system of equity share ownership.

In Britain this type of cooperative was traditionally known as a producer cooperative, and, while it was overshadowed by the consumer and agricultural types, made up a small section of its own within the national apex body, the Cooperative Union. The \’new wave\’ of worker cooperatives that took off in Britain in the mid-1970s joined the Industrial Common Ownership Movement (ICOM) as a separate federation. Buoyed up by the alternative and ecological movements and by the political drive to create jobs, the sector peaked at around 2,000 enterprises. However the growth rate slowed, the sector contracted, and in 2001 ICOM merged with the Co-operative Union (which was the federal body for consumer cooperatives) to create Co-operatives UK, thus reunifying the cooperative sector.

In 2008 Co-operatives UK launched The Worker Co-operative Code of Governance. An attempt to implement the ICA approved World Declaration.


In 2004 France had 1700 workers’ co-operatives, with 36,000 people working in them. The average size of a co-operative was 21 employees. More than 60% of co-operative employees were also members.[24] French workers’ co-operatives today include some large organisations such as Chèque Déjeuner and Acome. Other cooperatives whose names are generally known include the magazines Alternatives Economiques and Les Dernières Nouvelles d’Alsace, the driving school ECF CERCA and the toy manufacturer “Moulin Roty”.


The cooperative movement in Emilia-Romagna, Italy successfully melds two divergent philosophical currents: Socialism and Catholicism.[25] With more than a century of cooperative history, the region includes more than 8,000 cooperatives.


The best known example of a Norwegian worker cooperative is the employee-owned IT company Kantega, which several times has been recognized as one of the 100 Best Workplaces in Europe.


One of the world’s best known examples of worker cooperation is the Mondragón Cooperative Corporation in the Basque Country.[26]


In the United Kingdom, the Labour Party‘s enthusiasm for worker cooperatives was at its highest in the 1970s and 1980s, with Tony Benn being a prominent advocate. A small number of such co-operatives were formed during the 1974 Labour Government as worker takeovers[8] following the bankruptcy of a private firm in a desperate attempt to save the jobs at risk. However the change in ownership structure was usually unable to resist the underlying commercial failure.[5] This was true in particular of the best known, the Meriden motor-cycle cooperative in the West Midlands which took over the assets of the ailing Triumph company, although there were instances of successful employee buy-outs of nationalised industries in the period, notably National Express.[27] Meanwhile many more worker co-operatives were founded as start-up businesses, and by the late 1980s there were some 2,000 in existence. Since then the number has declined considerably.

Under UK law there is no special legal structure for a “co-operative”.[12] Co-operatives are registered under either the Companies Act 2006 or the Industrial and Provident Societies Act 1965 (IPS).[28] A number of model rules have been devised to enable cooperatives to register under both acts; for workers’ cooperatives, these rules restrict membership to those who are employed by the workplace. Most workers’ co-operatives are incorporated bodies, which limits the liability if the co-operative fails and goes into liquidation.[12]

The largest examples of a British worker cooperatives include, Suma Wholefoods, Bristol-based Essential Trading Co-operative, Brighton-based Infinity Foods Cooperative Ltd and the retail giant John Lewis Partnership (although it only uses the term occasionally).[29]



“The road” (Greek: Ο δρόμος) established in 2009 under the law 1667/1986 is the legal form of a direct non-profit work(er) collective running a coffee house named “The bench” (Greek: Το παγκάκι) in Athens. At this coffee shop, creative commons licenced public domain music is being heard and products from “The Seed” (Greek: Ο Σπόρος) and “Syn.All.Ois” (Greek: Συν.Αλλ.Οις), which are cooperatives for alternative and solidarity trade,[30] are being served. Syn.All.Ois is a work(er) coop that grew from within the voluntarily run “The Seed”.[31][32]
“Βelleville sin patron” (Greek: Όμορφη πόλη χωρίς αφεντικά) and “Colective Germinal” (Greek: Κολεκτίβα Ζερμινάλ) are two work(er) co-ops running in Thessaloniki.

via Worker cooperative – Wikipedia, the free encyclopedia.