Putting your cash to work – a Private Lending Primer

Putting your cash to work – a Private Lending Primer

Well, it certainly has been a roller coaster ride lately, but what the media is not telling you is what's really exciting: there is a lot of money being made right now. We get to hear all about unknown currency values, the stock market dropping like a stone, hedge funds derivatives not giving the returns they used to, inflation and deflation, etc. Given the volatility in all these markets, it makes sense to put your money in something much more stable, and that's where the smart money is going.

8-15% ROI
If you are serious about your money, how does 8-15% or more on your money sound, secured against first mortgages (trust deeds) on real property? That's not an estimate, it's a range of interest rates you can charge people to borrow your money – in some markets you can start with as little as $25,000, and loans for $100K -$150K are pretty standard.

Consider a Self-directed IRA
Don't have all that cash in your checking account? What about in an IRA or 401K – if you take about a month to transfer it over to a self-directed plan, you can loan it out just as you would your cash, and the profits will help to grow your IRA. http://www.empowerediras.com/

Use a Strong System
But how to protect yourself? You may have even heard a story about people having to foreclose, and then ending up with worthless property, but it's easy to avoid these missteps. The trick, like everything in business, is to use a strong system. First, decide how much you have to lend. Set your parameters, just like the bank – after all, you are the bank in this case.

Here are some questions you should ask before you get into lending to individuals:
- How high will you lend against the value of the house?
- What locations do you want to loan in? Does it need to be near you, so you can view the property yourself, or can you trust someone local in another area to view the property and send you pictures?
- Would you prefer a short-term loan, where you can get additional points each time you lend your money, or a long-term loan, where you will just collect a payment each month?· How long do you want to loan your money for?
- Who will work with you on setting up the loan docs?
- Is there rehab involved?
- What are the minimum criteria for your borrowers – credit score, assets, etc.
- What type of property do you want to make loans to? Single family? Multi-unit? Apartments?

Structuring the Loan
You, a title company, and/or an attorney can set the loan up fairly easily, and the rules are, you get to make the rules. By answering the questions above, you can decide how the loan should be structured, and what payment schedule will suit you and your borrower best. Use your title company or attorney to guide you on what is standard in the state you are in, and then decide whether you want to make it easier on the buyer than the banks would, like offering to fund at a slightly lower credit score, or making interest-only payments on the loan to keep the borrower's payments more reasonable.

Skin in the Game
Decide how much "skin in the game" you want from the borrower – how much do they have to put down? Several hard money lenders I know insist on 10-20%, but if your borrower has good credit, and since you will have strong equity in the property, this is a personal decision. We often matchmake 100% financing loans, even in today's market, because at 65% loan to value there is not much risk to the lender, who can always sell at a profit in the unlikely case they need to take the house back.

Inspection Protection
If you do have rehab involved with the property, always get an inspector to look at the property and determine that there are no "gotchas" like vital repairs being needed that no one told you about. The objective is to limit your borrower's chances of walking away from the loan, and make sure you are getting what they tell you. But if the property includes rehab, you will want several inspections (these costs can be passed on to the borrower as part of the loan). Get a baseline inspection up front, and have your inspector compare it to the contractor's bid. Then only pay the contractor on approved "draws." This means they have to submit a definite request for payment – like, "Kitchen complete, $10,000", not, "Kitchen 50% complete, $5000" - after all, 50% is subjective, but done is done. This will ensure a smooth process on the rehab, and allow you to keep tabs on it even if you are across the country.

Loan Servicing
Once your loan is in place, consider using a loan servicing company to fulfill the payment monthly. They will only charge a small percentage of the loan fee each month (you can build this cost in, too, if you like) and will calculate the interest due and bill the borrower monthly. One thing to remember, banks typically use 360 days, not 365 days, as a basis for interest calculation, and you may want to do the same just to be fair.

Consider Partnering
If you can set your system up, you can loan your money, over and over again if you like, and make things easier for a qualified borrower who can't meet today's overly stringent bank requirements, while earning a great return for yourself. Best of all, it's an arm's length transaction, and you never have to deal with the house or the landlording yourself. If all this sounds like a lot of work, consider partnering with a company who will screen the borrower and property, set up the loan, and monitor the rehab for you, anywhere in the country. East Coast West Coast Solutions can handle all this for you, so you can spend more time making money, and your money can spend more time earning you interest. http://www.ecwcsolutions.com/

No matter what you decide to do, now is the time – this is an unprecedented market – don't miss out on this amazing opportunity to cash in on it.
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Copyright 2008 Halle Eavelyn, Manager
East Coast West Coast Solutions at http://www.ecwcsolutions.com/
Empowered IRAs at http://www.empowerediras.com/
LinkedIn Profile: http://www.linkedin.com/pub/0/12/209
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Published to the Business Connections Network blog at OCBusinessConnectionsNetwork.blogspot.com.
Ole Cram and Marcobe Investments, Inc. are not responsible for the accuracy of claims made in this article. Article is provided for informational and sharing purposes as one of Ole Cram's business connections on LinkedIn (see blog site for more information).

Becoming and staying debt free is the #1 key to Wealth

Financial Freedom Opportunities - Accelerated Debt Reduction

Times are changing and with them new opportunities for financial freedom. The wise, who eight years ago, foresaw that with two oil men in the White House the price of petroleum and petroleum based products had nowhere to go but up and acted accordingly are enjoying the fruits of their foresight. For their 25th Anniversary Issue of “The 400 Richest Men in America” Forbes conducted a poll. The Forbes 400 were asked “What is the most important key to wealth building?” 75% of the 2008 Forbes 400 stated “becoming and staying debt free is the # 1 Key to Wealth”.

What’s the next opportunity? For many of us it may be no further than that truth in lending statement and the piece of paper containing our home mortgage’s amortization schedule stashed away in a drawer somewhere. At closing, it appeared as nothing more than just one more piece of paper standing between us and the keys to our new home. And prior to 2006 it was just another piece of paper.

Thanks to a group of enterprising mortgage brokers from Salt Lake City Utah who became disturbed by the recurring pattern of clients who refinanced their mortgages every 3-5 years in an attempt to create a manageable payment for the mountain of non-mortgage debt they were accumulating. They developed a web-based Money Merge Accounttm software program along with a unique banking methodology cancels interest cancellation, maximizes use of the clients money on a 24/7 basis through GPS like algorithms strategic principal pay down guidance and on-line coaching as needed.

Accelerated Debt Reduction is now poised to move rapidly from “too-good-to-be-true, so no thank you” to mainstream here in North America for those willing and able to invest the time to become educated enough to capitalize on what they learn. They operate in the US and Canada adding one new client every 12 minutes.

The company and its software have been featured in Mortgage Planner, Broker-Banker, True Wealth and Personal Real Estate Investor where in each case they received that publication’s Editor’s choice award. These magazines are considered by many to be the industry standards in the mortgage and investment arenas. People look to these magazines for what’s new, what’s work and what’s viable in the marketplace. In the spring of 2008 United First was awarded E&Y’s coveted Entrepreneur of the Year award in the western region.

Clients pay a one-time fee for lifetime rights to the Money Merge Accounttm software that serves as their financial GPS. Each client’s experience is unique and can only be ascertained through a no-risk analysis. Clients realizing the greatest value from this program routinely spend less than their income and will qualify for an advanced line of credit. The program works variety of income streams and mortgage types.

To learn how you can capitalize on this emerging trend visit www.FinancialFreedomAdvisory.com
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Copyright 2008 Phil Williams, MBA
LinkedIn Profile URL is http://www.linkedin.com/profile?viewProfile=&key=6840257&trk=tab_pro

Financial Freedom Advisory, P.O. Box 472304, Charlotte, NC 28247-23034
www.financialfreedomadvisory.com
pwilliams@ipvinc.com
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Published to Ole Cram's Business Connections Network blog at OCBusinessConnectionsNetwork.blogspot.com.
Ole Cram and Marcobe Investments, Inc. are not responsible for the accuracy of claims made in this article. Article is provided for informational and sharing purposes as one of Ole Cram's business connections on LinkedIn (see blog site for more information).

Innovative Financing

In the days where one only hears about the credit crisis and lack of liquidity, people are stymied on where to turn to finance their latest projects. While the reality is there has been a huge change in residential financing (probably for the better, and probably forever!) commercial lending programs have not been affected as much, although lately commercial lenders are finding it harder to sell their paper because of lack of liquidity in the market in general.

As it is harder to get the money to get projects off the ground, we’ve tried to stay ahead of the curve and maintain as many options for our borrowers as possible. While there are still straightforward choices like SBA loans and commercial loans for expansion, purchases and refinances, and Church loans based on tithing, we’ve found there are other forms of financing that aren’t as complicated or time consuming and for the most part also aren’t as costly as traditional financing.

I’ve added stockloans from Hedgelender to my portfolio of products and capital advances against credit cards.

The beauty of both programs is they are not based on applications, financial statements, tax returns or credit criteria. And they both fund VERY quickly.

Stock Loans can be used for any number of things, and can be made through a myriad of choices. Here are some highlights:

- Finance your real estate with interest-only repayment while still retaining participation in your stock portfolio;

- Refinance your MARGIN LOAN to remove the possibility of a call;

- Expand Your Business with interest-only repayment while still retaining participation in your stock portfolio

- Diversity Your Investments while retaining beneficial ownership of your portfolio

- Roll your Employee Stock Options into cash while continuing to participate in your stock

Ironically, these loans run to the millions and sometimes tens of millions, and take 1/10th the time to process and fund. And, they are strictly based on the worth of the stock and the amount of shares traded; the ONLY collateral is the stock and . . . credit is NOT a criteria. Neither is purpose, as long as it is legal!

Capital Advances against credit cards is NOT a loan program - but is a purchase of future sales.

Like the stock loan, there is NO long application, financial statement requirement OR tax return requirement; Funds immediately based on credit card sales; factors ALL credit cards receivables - Visa, Mastercard, American Express and Discover.

Clients are using the money for expansion and renovation; Marketing and Advertising; purchase of new locations; Increases to inventory; purchasing much needed equipment Repairs and upgrades; buying out an existing partner; recapture of investment capital; even to pay bills and taxes.

Finer explanations and details are listed on my website http://www.pallasfinancier.com/
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This post was provided by:
Traci Gregory, cell 678.779.8173; email is traci@tracigregory.com
Her LinkedIn url is http://www.linkedin.com/in/tracigregory
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Published to Ole Cram's Business Connections Network blog at OCBusinessConnectionsNetwork.blogspot.com.
Ole Cram and Marcobe Investments, Inc. are not responsible for the accuracy of claims made in this article. Article is provided for informational and sharing purposes as one of Ole Cram's business connections on LinkedIn (see blog site for more information).

What is green building?

Green buildings (sustainable buildings) are buildings that meet present needs without compromising the ability of future generations to meet their needs. They are designed to use environmental resources wisely. Green building employs materials and methods which reduce the depletion of non-renewable resources, and encourages innovations like recycling and pollution reduction.

Simply stated, Green buildings:

• conserve energy and water
• use resource-efficient materials
• promote good indoor air quality
• are integrated into the building site

According to the NAHB, 14,600 green homes were built in 2004, up from 2,500 in 2000.

Energy Efficiency
Key to green building is the reduction of energy consumption. Energy consumption occurs both in the operation of the home and in the production of the materials used to build the home.

Enercept uses OSB as the interior and exterior sheathing for our Structural Insulated Panels. OSB is an engineered wood product that is considered environmentally friendly because it is produced from fast growing, underutilized and less expensive trees grown on tree farms.

The Enercept system utilizes up to 80% recycled EPS (expanded polystyrene) insulation. A University of South Dakota test in 1984 found "No formaldehyde contained in the Enercept insulation". This has been the problem plaguing FEMA trailers used for “temporary” housing after Hurricane Katrina, among many other disasters.

What is R-Value?
The measure of the capacity of a material, such as insulation, to impede heat flow, with increasing values indicating a greater capacity. Colorado Energy.org features an R-Value table that is worth checking out. You can estimate the cost savings and greenhouse gas reductions you'll get by upgrading your insulation at Build It Solar.com

How can you plan your green building project?
Pick a couple of green strategies and focus on them. Experts say energy efficiency is your best bet. Evaluate the payback of features carefully. Design with passive solar gain in mind. Use Enercept SIPS to create a tight envelope.

For more information about green building visit the Green Building Initiative website (http://www.thegbi.org/), http://www.enercept.com/, or http://www.linkedin.com/in/buildgreen.

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Submitted by: Joe Quinn, Regional Sales Manager, Enercept, Inc. http://www.enercept.com/
Enercept, Inc., Custom SIPs Manufacturer, (800) 658-3303
3100 9th Ave SE Watertown, SD 57201
“Building today for a greener tomorrow.”
Joe's LinkeIn profile can be viewed at: http://www.linkedin.com/in/buildgreen
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Published to Ole Cram's Business Connections Network blog at OCBusinessConnectionsNetwork.blogspot.com.
Ole Cram and Marcobe Investments, Inc. are not responsible for the accuracy of claims made in this article. Article is provided for informational and sharing purposes as one of Ole Cram's business connections on LinkedIn (see blog site for more information).

Top 10 Insurance Myths for the Real Estate Investor

Insurance is the one thing for which we pay that we never want to use. However, in the event you need it, you certainly want to be properly protected. The points presented here should hopefully allow you to grasp a few of the pertinent insurance issues for whatever your real estate endeavor may be.

Myth # (presented in no particular order):

1. Insurance is mutually exclusive of estate, tax, and financial planning…

Actually, insurance inter-relates to each of these, as they should work in harmony with one another. You attorney, accountant, financial planner, AND insurance advisor should certainly know what each of the other has planned specific to your goals. As such, excluding one from the others is contradictory to efficiency and cost-effectiveness. Consider these four folks as your “trusted team of advisors” and encourage them to consult one another as necessary.

2. Being named as an “additional insured” on the existing homeowner policy will protect my interests in a subject-to deal…

This could do much more harm than good, in reality, if you (or your entity) own, or have a financial “stake” in the property, be the “first named insured”. The first named insured is the primary recipient of any potential claim benefit or liability protection. An “additional insured” will garner liability protection only. A “loss payee” will have its interests protected in the event the property itself is damaged. (A mortgagee is inherently BOTH). If you decide to keep the “homeowner’s” policy in place and be named as the additional insured, be advised. If it is discovered that the ex-owner, the first-named insured in this case, no longer owns the property, expect the insurer to deny based upon the fact the policyholder no longer owns the property. Even if you manage the claim to be paid, you are not the entity to receive the proceeds, as you are not the first-named insured. If you did attempt to be added as a loss payee as well, chances are the insurer will question the necessity for you being named as such. When the insurer discovers you now own the property, they will need to write a new policy.

3. Buying a property in your personal name and using your homeowner’s policy liability is fine…

I can’t think of any reason that exposing your personal assets to the risk of real estate investing makes sense. If this is the only option your current insurance person suggested, then either find one that is more real estate investing-savvy, or take the time to help them understand more about what you do. The last I want to do is tie-in “my stuff” to the exposures of my real estate investments. Asset protection strategization inherently is a combination of insurance, entity creation, and “compartmentalization”.

4. The “personal” dwelling fire policy is sufficient (“cheap”) to cover my non-owner occupied rental…

Those that usually promulgate this attitude in the insurance industry either don’t have commercial-type carriers/markets and/or proper knowledge. Not only does the dwelling fire policy require liability to be extended from your homeowner’s policy (see #3), many coverages that are vital to a true “rental” property are either missing or need to be purchased over and above. Though the basis of a completely different presentation, some of the highlights of the "commercial policy preference” are the inclusion of rental loss coverage, unit limitations, and pollution exclusion issues.

5. I have a personal umbrella policy (PUL), so I don’t need commercial insurance…

Like most insurance polices, your personal umbrella protection contains much exclusion. One of the most glaring for the real estate investor is the “business pursuit” exclusion. If your real estate investment(s) aren’t a “business pursuit”, then you need to consider divesting! In other words, your PUL is designed for “personal” exposures. A commercial umbrella over and above the liability in your commercial package policy is appropriate.

6. A claim that occurred before I (or my entity) owned the property shouldn’t affect MY insurance rate…

The insurance industry not only underwrites “you”, they also underwrite and rate based upon the claims history of the property itself. A CLUE (Comprehensive Loss Underwriting Exchange) report will detail the claims that have occurred at a certain address (as well as other criteria). Have your insurance advisor run a CLUE on your next property BEFORE you make an offer. The insurance rate can certainly affect your ROI…

7. “All-risk” insurance covers everything I need…

By definition, “all-risk” simply means that unless something is excluded, it is covered. “Named peril,” means just that, in order for a loss to be covered, it’s cause must be named in the policy. So, even though “all-risk” is a more comprehensive form, it does not mean that “everything” is covered. Take a look at your policy exclusions. Not that many of these exclusions can’t be purchased back, but they usually generate a pretty long list.

8. Self-insurance is too risky…

A deductible is technically self-insurance. As a rule-of-thumb, consider the lowest claim amount you would file with the insurance carrier, then double it. This is the minimum deductible I would suggest you carry. There is a point of diminishing return, however. In other words, though you may not file a $5,000 claim, if the premium savings it (versus, for instance, a $2500 deductible) is negligible, then you may as well go with the lower. In the long run, statistically, the premium savings by carrying “higher than usual” deductibles usually pay for themselves. Remember also, that completely self-insuring a known amount, such as a property with an arguable repair or reconstruction value, can be a consideration. However, self-insuring unknown amounts, such as liability claims, may not be the best idea.

9. I need “builders risk” coverage for a vacant or rehab project/deal/property…

Unless the rehab is “considerable” (definition varies by insurer), there are policies specifically designed for the rehab property. In our area, Diamond States, AMIG (American Modern), and Foremost all offer such contracts. If an insurance agent advises that they cannot find coverage for your rehab property and offers the Ohio Fair Plan, chances are they simply don’t have they contracts with the carriers mentioned. The Ohio Fair Plan should be the last option for the property, not the first.

10. It is worth it to hire the “handyman” to do work on my rentals…

Don’t get caught up in the great bid to do work in/on your rental property or rehab project from the “fly-by-night” handyman-type help. Chances are, they not only do not carry liability insurance (puts the risk back on you as the owner), they also probably don’t carry worker’s compensation (WC) protection. It isn’t worth the risk to save a few bucks to not hire the “legitimate” contractor for such endeavors. Even the tenant who cuts the grass for reduced rent potentially exposes you to WC and liability issues. Always require contractors to provide certificates of insurance (COIs) for both their liability and WC coverages.

11. (Bonus) Cheaper is better…

The cliché rings true: you get that for which you pay. Work with an insurance advisor that understands the idiosyncrasies of real estate investing. They can be an independent or a “captive” agent. As long as they have a recognition of the challenges that face your investing endeavors, and have access to a carrier (or carriers) that fill your needs (in conjunction with the strategies discussed here), challenge them to get you the best VALUE for your insurance, not the cheapest rate.

Insurance is a gamble. The insurer is betting you won’t need it, while you bet that you will. With the help of a professional insurance advisor, gain enough knowledge to make cognizant decisions on your specific needs. As part of an asset protection plan, it is vital that you are comfortable with your coverage and protection BEFORE you need it. I sincerely hope all of your premium dollars go to waste!
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Copyright 2007 Tim Norris
Norris & Associates Insurance Agency, Inc. (http://www.norris-associates.net/)
To view Tim's LinkedIn Profile: http://www.linkedin.com/in/timnorris
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Published to Ole Cram's Business Connections Network blog at OCBusinessConnectionsNetwork.blogspot.com.
Ole Cram and Marcobe Investments, Inc. are not responsible for the accuracy of claims made in this article. Article is provided for informational and sharing purposes as one of Ole Cram's business connections on LinkedIn (see blog site for more information).

Solutions for the Oil and Gas Industry

The oil and gas industry is in crisis. The world is currently using up as much petroleum products as there are available and all industries are seeing negative effects because of it. Gas prices are going up due to fear of limited supply left in the ground. It is simple supply and demand economics; the only problem is that we are fooling ourselves believing that there is a limited amount of petroleum supply left in this world. We at Remediation Express, LLC are surrounded by project opportunities to use our solutions and services that will both recover oil and clean up the world while doing so.

Remediation Express, LLC is a privately owned technology services company that focuses on the recovery of oil products and treatment of all contaminations as a result of oil products. Remediation Express currently offers two main solutions: REX 1000 and the HydroPro system. These two solutions are providing the oil and gas industry with two much needed services through recovery of oil and cleanup of all contaminations that result from recovering oil.

REX 1000 is a new privately labeled product that is proven to encapsulate hydrocarbons. The encapsulating method makes the hydrocarbon components “slippery” causing them they become released from the matter they are attached to. REX 1000 is a great product to recover any waste or slop oil found in an oil well as well as remove all paraffin buildup that occurs overtime in oil wells and pipelines. REX 1000 is able to recover the oil that was once unrecoverable! This product is providing the oil and gas industry with a needed increase in supply of oil products. The total uses of this product are still being discovered but the proven oil recovery uses of REX 1000 make this product stand tall.

The second solution offered by Remediation Express is the HydroPro system. The HydroPro system is a patented system that is proven to successfully remove all total petroleum hydrocarbons (TPH) that are found in contaminated soil. The HydroPro system is able to remove light, medium and heavy hydrocarbons including all long-chain hydrocarbons found in soil. Unfortunately, because of the worlds need for petroleum products, oil companies have contaminated the lands around us. Any time oil is drilled from the ground, a pipeline bursts or a holding tank leaks, soil contamination occurs. By utilizing the HydroPro system, these contaminated sites become contamination free. The HydroPro has successfully treated over 100 sites around the world.

Both REX 1000 and the HydroPro system are helping the oil and gas industry by recovering oil products and cleaning the contaminated sites that have formed over the years. There are several projects around the world that utilized both REX 1000 and the HydroPro system. An example of such a project site would be an oil drilling mud pond. In such a mud pond site, Remediation Express uses REX 1000 to extract out as much oil product as available and then utilizes the HydroPro system to treat the remaining contaminated soil on the site. At the end of the project, Remediation Express is able to recover normally unrecoverable oil while leaving a site free of all hydrocarbon contaminations.

If you are interested in learning more about Remediation Express and all of the solutions and services it has to offer, please contact:

Brett Fritz
VP of Business Development and Sales
Remediation Express, LLC ( www.RemediationExpress.com )
BFritz@gopsgroup.com
www.linkedin.com/in/brettfritz
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Published to Ole Cram's Business Connections Network blog at OCBusinessConnectionsNetwork.blogspot.com.
Ole Cram and Marcobe Investments, Inc. are not responsible for the accuracy of claims made in this article. Article is provided for informational and sharing purposes as one of Ole Cram's business connections on LinkedIn (see blog site for more information).

Community Commerce Centers: The 21st Century Workplace

Community Commerce Centers provide a common workplace environment for office workers from multiple employers on a seat by seat basis. In the workspace environment each of the office workers receives a workspace that would be equivalent to workspace the worker would find in most major corporate work environments. In addition, most Community Commerce Centers would provide on-premises amenities such as parking, food service, daycare, exercise facility, walk-in clinic, and learning center. The Community Commerce Center provides computer, telephone and Internet access services for each worker station located within the facility. Computer services would include dynamic system backup, basic office software, including operating system, and Internet service. Private individual telephone service is provided at the desk of each office worker. Internet service provides secured individual IP (Internet Protocol) for each office worker. Individual office workers cannot occupy a seat at a Community Commerce Center unless their home residence is less than 3-5 mile radius of the center depending on the local density of centers. Workers living beyond the center service area would not be eligible for a seat at the facility.

There are two defining features for each Community Commerce Center. First, each office worker occupying a seat at the center workspace must live within a maximum of a 3-5 mile radius from the center. Community Commerce Center planning is focused on the goal of cutting a worker's daily one way commute at least in half leaving the worker with a maximum commute of 3-5 miles. Second, multiple employers each have employees using Community Commerce Center workspace based on the proximity of each worker's residence to the Community Commerce Center. Employers utilize the services available at multiple Community Commerce Centers to accommodate the workspace needs for the maximum number of its employees working within 3-5 miles of other Community Commerce Centers. The net effect is that an employer may require the services of multiple Community Commerce Centers at various locations to accommodate the workspace for all of its employees seeking to work from a Community Commerce Center rather than from a single central corporate location in a community where the distance traveled by each worker is greater than 3-5 miles.

One other aspect of the Community Commerce Centers workplace is that their implementation also creates a carbon project that generate carbon credits under the concept of additionality not only because the implementation of the Community Commerce Centers use green building standards in the construction of Community Commerce Centers but also because the creation of Community Commerce Centers is considered a non-traditional business solution. Of course, the direct fuel savings generated by the fact that employees are much closer to their workplace is an added bonus.

The Community Commerce Center system provides a completely new way of looking at how to provide a workplace for employees while creating a mechanism providing the means to not only enable workers to enjoy a better quality of life but also reduce the demand for fossil fuels and generation of greenhouses. The Community Commerce Center system can be implemented on a worldwide scale providing all countries to participate not only in saving the environment while providing a better solution for bringing worker and job together in a way that enhances the quality of life for all workers but also in generating a work solution that virtually ensures that the world economy remains recession-proof over a period of at least two to three decades. The fact that there can be full implementation of Community Commerce Centers on a worldwide scale using existing technologies means that there are no barriers to launching the implementation due to the lack of technology to make the system work successfully. The implementation of Community Commerce Centers produces jobs immediately at each implementation location. The spread of Community Commerce Center locations provides an opportunity for communities to realize expansion of their economy without bearing the burden building infrastructure that would serve only to create an increased demand for fossil fuels along with the concomitant increase in greenhouse gases. The savings in resources coupled with the increased worker productivity brought about through Community Commerce Center implementation provides the potential that additional resources can be applied to the development of new technologies that will further serve to diminish the damage done to the environment on a global basis. Beyond the climate change and economic benefits provided by implementation of the Community Commerce Center system is the additional significant benefit of establishing a clear and close connection between the community environment and work environment, which not only improves and enhances the role of family life but also improves and enhances the overall satisfaction all workers have with their work situation. Over time there will be an increasing number of work positions that would be appropriate for placement at a Community Commerce Center, and the manufacturing sector of world economies will find an increasing number of opportunities to implement analogs of the Community Commerce Center within a manufacturing environment.
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Copyright © Charles C Caro 2008, All Rights Reserved
Submitted by LinkedIn member Charles C Caro.
View his LinkedIn profile at: http://www.linkedin.com/in/carocc

A full version of this article is available in two forms at either link below:
http://www.caro.cc/download/communitycommercecenters.pdf
http://www.caro.cc/download/communitycommercecenters-2col.pdf

Alternatively, you can click on the title of this article.
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Published to Ole Cram's Business Connections Network blog at OCBusinessConnectionsNetwork.blogspot.com.
Ole Cram and Marcobe Investments, Inc. are not responsible for the accuracy of claims made in this article. Article is provided for informational and sharing purposes as one of Ole Cram's business connections on LinkedIn (see blog site for more information).