TimeBank, Pay It Forward, Community Exchange, Harwich Community Exchange, Cape Cod Banks, Cape Cod Time Bank, Timebanks.USA, Cape Cod Community Exchange, Cape Cod SkillShare, SkillShare

How Much is YOUR community worth to you? Membership Fees $10 - $50 per year.

Please send your membership donation to:
Cape Cod Time Bank 5 Stage Coach Road Harwich, MA 02645
We are a Massachusetts Incorporated, Non Profit, 501 (c) (3) (IRS pending), federally recognized community based agency. EIN 80-0401886
Cape Cod Time Bank was is spearheaded by local activist, John Bangert and co- founded by a group of like minded, dedicated folks who have committed to each other to meet monthly at home based community potlucks dinners after the inauguration of our new president, as a way to weave the Cape Cod community together one hour at a time.
What can we all do to rebuild or community, the 1st 100 days, or 1st 1000 days of this year to serve all Americans by serving in our own communities on hour a at a time?
A website was established on March, 2009 and so far, more than 120 individuals and families have joined together to share their gifts and talents and to earn Time Bank Dollars to spend when needing assistance at a later time.
To join Cape Cod Time Bank or any other TimeBank just go to: TimeBanksUSA
We expect more than 3500 volunteer hours of service to occur over the next twelve months. Any individual may join by voluntarily donating $10 – 50 per year to help underwrite communication and website costs.
Volunteer assets are documented on a simple interactive computer questionnaire each member completes, and then each member records time volunteered and needs for assistance. Volunteer coordinators keep track of the time dollars and send emails to participants to document volunteer services rendered or received.
Time Bank is an equal opportunity nonprofit organization operating in the Commonwealth of Massachusetts. We are a nonpartisan, nonpolitical and we are not affiliated with any particular religion, creed or doctrine. Anyone may join hands and stand with other Time Bank members to work together to meet community needs. With Time Banking, sharing gifts means building trust.
The premise behind the Cape Cod Time Bank is to link together people who have time and talent with those who need help. This is not a barter system, but a goodwill offering of time and talent to selflessly help others.
Edgar H.Cahn, the founder of the Vista Program and author of Time Dollars and No More Throw-Away People, founded the first Time Bank in 1986. The movement now has more than 100 affiliated Time Bank organizations from coast to coast and from north to south. It also has affiliations in Wales, Ireland, Great Britain and dozens of other international locations.
The Cape Cod Time Bank is dedicated to five Core Values:
1. Assets We are all assets. Every human being has something to contribute.
2. Redefining Work Some work is beyond price Work has to be redefined to value whatever it takes to raise healthy children, build strong families, revitalize neighborhoods, make democracy work, advance social justice, and make the planet sustainable. That kind of work needs to be honored, recorded and rewarded.
3. Reciprocity Helping works better as a two-way street The question: “How can I help you?” needs to change so we ask “How can we help build the world we both will live in?”
4. Social Networks We need each other. Networks are stronger than individuals. People helping each other reweave communities of support, strength & trust. Community is built upon sinking roots, building trust, creating networks. Special relationships are built on commitment.
5. Respect Every human being matters. Respect underlies freedom of speech, freedom of religion, and everything we value. Respect supplies the heart and soul of democracy. When respect is denied to anyone, we are all injured. We must respect where people are in the moment, not where we hope they will be at some future point.
Currently, the organization operates by volunteers who serve the community. Over time, as the Time Bank membership grows, a part-time manager will be hired and as the need dictates, within four or five years a full-time Executive Director will be appointed by the board of directors. The organization’s board of four members is being expanded to 9-10 as the by-laws describe, with revolving three year terms.
Residency from all along Cape Cod will allow Time Bank board members to share the message to civic groups, hospitals, libraries and schools.
While board members may wear many hats in their work, civic and social lives, they will not lobby or seek to influence legislation while performing their Time Bank duties.
All board members serve without compensation.
All are required to be Time Bank members in good standing and all contribute time, talent and personal donations to further the mission of Cape Cod Time Bank.
A conflict of interest statement was adopted by resolution at the first board meeting and is attached for review.
New board members will be given a copy and asked to sign it before being seated on the board of directors.
How Does Time Bank Work?
First, take a look at our website, capecodtimebank.org. A Time Bank is like a food bank or food pantry, which is a collection of nourishment for needy members of the community.
A Time Bank is a network that allows members to exchange assistance and services and this service is tracked and reported by computer. Time Bank members offer activities they enjoy, like cooking, gardening or tutoring. When a member needs something, they review the computer database of services on offer, check availability, and create a request.
A member can also request a new service and hope that another member will step up and meet that need. No money ever exchanges hands. Instead, for each hour of work given, one Time Dollar is deposited in the member’s account. Time Bank activities allow one individual to serve one individual or one individual to serve many individuals. It also allows many people, collectively, to serve many others, or to serve just one.
Please review copies of articles and testimonials to round out the picture of the Cape Cod Time Bank
The only asset currently owned by Time Bank is the software valued at approximately $500 that manages our member’s accounts and tallies hours needed and exchanged.
Fundraising
Funding in the past has come from individual donations and member donations. In the future, once we have received the IRS letter of determination, fundraising will follow four or five paths to success:
1. Emails to community leaders, business owners and elected officials will solicit cash contributions or in-kind support. A brochure will be included with the email.
2. Letters requesting a variety of assistance will also be sent to identifiable community donors.
3. Grant requests to corporations, foundations and governmental entities will provide up to 50% of operating revenue by our third year of operation. Written requests will include a copy of the brochure, annual report, DVD of sample Time Bank projects, an audited financial statement and testimonials from volunteers and recipients.
4. Special event fund raising will include online auctions, dinners with silent and live auctions, round robin dinners in Time Bank members’ homes, and concession proceeds from Craft Fairs, or local Summer League Baseball games on Cape Cod. etc.
5. Annual meeting that will bring all Time Bank members together at one time.
If Time Bank is offered large gifts of real estate or property such as a vehicle or boat, the board of directors will seek legal advice and adopt a policy before accepting any such gifts to insure that the gifts are handled legally and in the best interests of Cape Cod Time Share.

Cape Cod Time Bank Membership LOG IN / OR HOW TO JOIN!

Donations To Build Our Cape Cod Time Bank!

Weaving Our Community One Hour At a Time!

Sunday, May 24, 2009



Americorps*VISTA Program Coordinator position available soon!


General Description


1. Promote member participation and leadership in the CCTB and its programs.
2. Administer the Agency’s day-to-day operations, including maintaining the service exchange program database.
3. Redesign or edit website.
4. Coordinate a Cape Cod youth oriented, court approved, peer to peer - juvenile justice system interface with community service projects with students and families, recruiting participants, and reaching out into the community

5. Ministering to the immigrant population, international workers, students and other new comers along with No Place for Hate communities, Cape Cod Human Rights Committees and communities of faith already working among this community.


Recommended Skills and Qualifications
1. Interest in and ability to work effectively with diverse populations, and have commitment to the mission and goals of the Cape Cod Time Bank and its partnering organizations.
2. Comfortable working independently as well as collaboratively.
3. Flexible, energetic and innovative, and thrives on handling several tasks simultaneously.
4. Proven organizational skills.
5. Conversant with most commonly used computer programs and social network sites.
6. Experience with creating or editing websites.
7. Experience with community programs.
8. Bi-lingual in Spanish or Portuguese would be ideal.

Please e-mail capecodtimebank.org for more information about the position. For more information about the VISTA program, go to www.vistacampus.org



--
Migrating to a new Website soon!

Thursday, May 21, 2009

Time Bank movement comes to Cape Cod









Cape volunteers unite to swap chores



EASTHAM — Lyn Chafetz is a wiz at organizing closets and pulling together profitable yard sales. She's not so adept at plowing up the earth for a garden.

But she needs that done, and done soon, if the fixings for her summer salads are to be picked from the backyard.

So where does she turn for help?

She signed into the Cape Cod Time Bank, a nascent volunteer program in which members exchange services, but not necessarily in quid-pro-quo fashion. Chafetz put in a request for help through the time bank and within short order got e-mails and phone calls with offers for yard work. No one is asking her directly for anything in return.

Although the language of time banks is that of financial institutions, the reality "is people helping people," said John Bangert of Harwich, who helped found Cape Cod Time Bank in March.

Joining the Cape Cod Time Bank gives members access to a Web site (www.capecodtimebank.blogspot.com) where they can list services available or services wanted. Each hour of service given to another member of the time bank earns the doer one time dollar. No material goods are exchanged. Those without computer access will be able to make contact by telephone.

People who join the local time bank automatically earn two time dollars. There is a $10 fee to join — money that goes to support the Web site. But, exceptions could be made for someone "in real financial hardship," Bangert said. "We want to include, not exclude, people."

"This is like bartering, but not bartering," Bangert said. "It isn't 'you do something for me and I'll do something for you.' You might do something for someone and then weeks later someone completely different does something for you."

John Kelley doesn't need his closets organized — or at least he's not admitting to that. What he would like is someone with gardening or landscaping expertise who also belongs to the Cape Cod Time Bank to stop by and maybe accompany him to a gardening center with advice on what plants will work best at his Wellfleet home. Someone else will seek out Chafetz, whose skills also include putting together informational fliers.

Time banks are the brainchild of Edgar S. Cahn, a former speechwriter for Robert Kennedy and a social-justice lawyer. Cahn, who is traveling in Europe and was not available for comment, writes on the TimeBanks USA Web site — www.timebanks.org — that the idea came to him in 1980 after he had a serious heart attack. He felt helpless that he was unable to do anything for those who were helping him to recover. Thinking that others might have similar feelings, he created a system in which people can give as well as receive.

The impetus for the Cape Cod Time Bank comes from the Cape Cod Citizens for Economic Recovery, a coalition launched earlier this year to help people cope with the recession. The idea is to extend communities and social networks.

In some ways the time bank is a throwback to an era when "neighbors helped neighbors without question," Bangert said.

"It was just something you did," he said.

Just about any sort of service can be offered or requested through the site — yard work, cooking, music lessons or rides to and from the store, doctor's appointment or car repair service, he said.

"Say for example you are a senior citizen ... you can offer a multitude of skills like reading books to children, baking cookies, teaching someone to knit or giving a music lesson," Bangert said. "Or maybe you take care of your elderly mother and just need a couple hours to yourself. Someone in the time bank can come to the house and keep your mom company. ..."

The Cape site features offers of transportation, foreign language lessons and someone to play the harp at a dinner party. A retired hairdresser has offered to do at-home haircuts.

The site monitor — in this case Bangert — keeps an eye on accounts and offers, to ensure nothing untoward is offered and to verify that no one's withdrawals exceed their deposits. Neither has been a problem so far, he said.

"Our real problem right now is getting people to make withdrawals," he said. "Everyone is eager to help someone else, but they haven't been taking help themselves."


On the web

For more information or to sign up for the Cape Cod Time Bank, visit www.capecodtimebank.blogspot.com or call John Bangert at 508-432-0545.

To learn more about the national organization oe to join, TimeBanks USA, and time banks around the world, visit www.timebanks.org.

Saturday, April 25, 2009

Upcoming Meetings!



Cape Cod Time Bank Breakfast Club

When: Every Saturday, June & July, 2009

Time: 9 am - 12 Noon



Where:

Harwich Central Cafe
98 Parallel Street
Harwich Center, MA 02645





Cafe Phone: (508) 432-9801

Cape Cod Time Bank Office Phone: (508) 470-8587

Weekly Conference Calls on Every Sunday Evening at 7PM

~ Part I - Only 15/20 Minutes for New Membership Orientation

~ Part II - Leadership "Kitchen Cabinet Business Conference"

> Dial 1-(218) 486-1616

> Input Access Code # 563904
> Input Pin # 2009 if asked!



General Organization E-mail:
capecodtimebank@gmail.com

CC Time Bank Administrator's E-mail:
johnbangert@capecodtimebank.org


Current Website:
http://capecodtimebank.blogspot.com

Monday, April 20, 2009





The Five Core

Values of


Time
Banking





Time Banking turns strangers into friends.



Hey, can you do me a favor?


Have you ever wished you had someone around to give you a ride somewhere, help you run some errands, pick you up after you’ve dropped your car off for repairs, or just give you a hand when you need it. Someone you really trust?

Many of us have friends, neighbors and family members who help us out, but they can’t always be there in a pinch. In a Time Banking community, someone is always there when you need them.

It is like having an extended family to help out—with rides to the doctor, trips to the supermarket, help with the yard, chores around the house or elder day care or child day care.

With Time Banking, sharing gifts means building trust!

Time Banking honors the unique gifts, talents and resources that each of us has to share, regardless of age, employment or ethnic background — such as tutoring, yard work, simple repairs, running errands, and storytelling. It’s labor with love.

Time Banks exist to promote exchanges that honor five core values.

Assets

We are all assets.

Every human being has something to contribute.

Redefining Work

Some work is beyond price.

Work has to be redefined to value whatever it takes to raise healthy children, build strong families, revitalize neighborhoods, make democracy work, advance social justice, make the planet sustainable. That kind of work needs to be honored, recorded and rewarded.

Reciprocity

Helping works better as a two-way street.

The question: “How can I help you?” needs to change so we ask: “How can we help each other build the world we both will live in?”

Social Networks

We need each other.

Networks are stronger than individuals. People helping each other reweave communities of support, strength & trust. Community is built upon sinking roots, building trust, creating networks. Special relationships are built on commitment.

Respect

Every human being matters.

Respect underlies freedom of speech, freedom of religion, and everything we value. Respect supplies the heart and soul of democracy. When respect is denied to anyone, we all are injured. We must respect where people are in the moment, not where we hope they will be at some future point.



Edgar Cahn is the founder of TimeBanks USA, a nonprofit that promotes Time Dollars, local currency for community building and a Distinguished Professor at the University of the District of Columbia School of Law. He is the author of "No More Throw-Away People" and "Priceless Money."








What are Time Banks?


Time Banks Weave Community One Hour at a Time.


For every hour you spend doing something for someone in your community, you earn one Time Dollar. Then you have a Time Dollar to spend on having someone do something for you. It's that simple. Yet it also has profound effects. Time Banks change neighborhoods and whole communities. Time Banking is a
social change movement in 22 countries and six continents.

Click on image to enlarge.






http://www.timebanks.org/how-it-works.htm


http://timebanks.blogspot.com/2007/12/welcome-to-priceless-money.html

Visual Illustration of How Time Banking Works!

http://burlingtontimebanks.files.wordpress.com/2008/01/03_the-time-dollar-way.jpg

Wednesday, April 1, 2009

Time Banking Conference



Time Banking Conference

By Sean Gonsalves

From Five Years Age September 14, 2004

Ever since I came across Mike Albert's Participatory Economics, I've been fascinated, energized and left wondering: how do we get there from here?

In Toronto last month, I was introduced to "Time Banking" and thought it might be one possible path to the end-goal of a more just and sustainable world, which is what Participatory Economics seeks to establish.

Indulge me this brief story.

The legendary investigator Sherlock Holmes and his able assistant Watson decided to take a needed vacation. So they headed off for a camping expedition.

After a day of hiking, as the sun began its descent beneath the horizon, they set up their camps walking down to a stream where they caught fish and at sat next to the fire that Waston sparked with a stone and a stick.

It wasn't long after they returned to their campsite when they crawled into their sleeping bags to rest for the following day's hike. Side-by-side, Holmes and Watson lay there, gazing up at the clear night sky.

That particular evening, as if they had set up camp in the world's most magnificent planetarium, the stars lit up the black night sky. It looked like an angel had poked holes in the veil separating heaven and earth, allowing divine light to pierce the dark night below.

"Do you notice something my dear Watson?" Holmes questioned his friend.

"Yes, the stars are quite prominent this evening."

"No, no. It's right before you're eyes. Look carefully."

"Oh, yes. The big dipper is right above us."

"For Pete's sake," Holmes exclaimed.

"It's elementary, Watson. Someone stole our tent!"

The conventional wisdom accepted uncritically by economists, politicians and pundits alike is a bit like Watson's cosmic cataracts. They point to THE global economy, as if there is only one - or rather, the only one worthy of our attention.

However, those who attended the 3rd International Time Banking Congress in Toronto on the last weekend of August know better. In addition to the dominant global capitalist economy, there is another emerging economic order, global in scope and universal in its appeal.

It's a "time banking" economy that uses "time dollars" as its currency and is based on the reality of human interdependence, rather than the myth of rugged individualism that barely holds together the so-called free-market order.

The simplicity of time banking

The time banking concept is elementary, really. In fact, it is so much easier to grasp than the abstractions espoused by the economic "experts" that, like Watson, those who are distracted by the stars of moneyed wealth might miss the fact that the tent of natural, living, human community has been stolen.

Valued exchange in "time banking" is measured in "time dollars," which are a tax-exempt form of money that anyone can access with their time, energy and special (not necessarily "specialized") skills, such as lawn mowing, babysitting or woodworking.

The exchange rate: One hour of service provided to another time bank member, or to the community at large, earns one "time dollar." So, a "time dollar exchange" is formed whenever "time dollars" are earned and spent.

At the 3rd International Time Banking Congress, held on the idyllic grounds of the Kingsbridge Center just outside of Toronto from Aug. 27 to Aug. 29, a glimpse of how time banking is actually working in nine different countries outside of the United States, including Japan, Scotland, Spain and even the Northern Antilles, was on display.

Edgar Cahn, who first dreamt the dream of time dollars in a Washington, D.C. hospital bed 25 years ago, welcomed the 125 congress representatives after dinner on Friday, Aug. 27.

"What was a dream is no longer just a dream. This is no longer one person's vision. It belongs to all peoples and all nations," he said on the eve of the 41st anniversary of Martin Luther King's "I Have A Dream" speech.

"We want to change the world...but we don't always savor the moments of triumph - moments when human beings dare to assert hope."

He concluded his welcome with an insight into the very heart of time

banking: "We have what we need if we use what we have."

Throughout the weekend - in panel discussions, in workshops and over dining room tables - stories of human beings daring to assert hope using "what we have" were shared. And, like with any fruitful congressional gathering, there were intense cross-cultural discussions about the direction of the emerging time banking movement in its various expressions around the world.

The global 'time banking' economy

The first peek into the international time banking movement was provided by Martin Simon, co-founder of Time Bank UK. With the aid of an overhead slide projector, Simon gave a brief overview of a half-dozen time bank projects across the UK.

He outlined the workings of Time For Health, a local time dollar economy in which health care services are provided using time dollars. In fact, Time For Health has been so successful, Simon reported, that the UK's National Health Service has commissioned a study on how it works.

Simon also said that Time Bank UK has been coordinating other time banking initiatives, such as Time Between Generations in which youth, including juvenile offenders (or "no hopers" as they are called in English-speaking Europe) have formed a time banking community with the elderly, exchanging services using time dollars.

"Their self-confidence grew to no end," Simon said of the youth participants, many of whom struggle with issues of self-worth.

Time banks for child care and for food have also been established, he said, noting that the time banking movement, in addition to being studied by the National Health Service with regards to health care, 10 Downing Street is in the process of planning and co-sponsoring a series of seminars for politicians to become familiar with time banking.

In Wales, 20 time banking projects across Wales Valley are being partially funded by the European Union, as time banking leaders there are "looking to mainstream" with communities of mineworkers breaking down under the weight of "globalization." And as in England, time banking has caught the eye of government officials, earning Cahn an audience with the Wales National Assembly.

All told, in the UK there are 143 time banks up and running, exchanging over 200,000 hours of service involving over 5,000 time bank members.

In Spain, time banking took root among leaders at the forefront of the women's movement there. According to Elvira Mendez, who spoke at the Toronto gathering with the help of a translator, time banks in Barcelona were initially promoted by women's community organizations to "promote the conciliation of family and professional life" under the banner, "Compartir: Promoviendo El Reparto De Los Tiempos Entre Mujeres y Hombres," which translates "Sharing: Promoting the Equality of Time Among Men and Women.

"We only exchange services and not material goods," Mendez said. Time dollars, she added, are "instruments for reconciling family and work. We use time banks for community building. It's a bank of dreams."

On the other side of the globe, time banking has taken root in Japan on the tiny island community of Seizken. Masko Kubota spoke about her introduction to time banking when Time Bank USA Director of Outreach and Technical Assistance Ana Miyares visited Japan in 1991 at the invitation of the Japan Broadcasting Corporation.

"I was so interested I came to the U.S. to learn about time dollars and to meet Edgar (Cahn)," Kubota said. Kubota came to the U.S. in 1994. Five years later she set up a time bank on Seizken Island with just 12 members.

Today, the Seizken Time Bank counts 72 members, exchanging everything from wake-up calls to an intergenerational project in which the community elders tutor the young in history and other school subjects.

"The life stories (of the elders) were compiled in a book and gave to the elders as a gift," she said, noting also that she's translated and helped distribute Cahn's book "No More Throw Away People" into Japanese.

Also to Kubota's credit, she created a time dollar board game designed to help people steeped in market morality, acknowledging "it's difficult to ask for help" - reciprocity being one of the four "core values" of time banking.

Neighbor-to-neighbor vs. 'co-production'

Though time banking is practiced differently in different parts of the world, all time bank participants adhere to the four "core values" - assets, redefining work, reciprocity and social capital.

In time banking, assets are defined by a simple acknowledgement that everyone has something within themselves to offer, whether it's house cleaning or the gift of making people laugh.

Redefining work means that, in contrast to a market-based understanding, building community is real work.

Reciprocity is perhaps the most important of the core values because in time banking those who receive help earn it by giving something more than gratitude in return.

The fourth and final core value is social capital, which is the immeasurable wealth built by tying people into networks of social cooperation.

These core values are present wherever time banks operate but that doesn't mean all time banks are organized in the same fashion.

Some time banks are simply "neighbor-to-neighbor" while others engage in "co-production."

Neighbor-to-neighbor is essentially self-explanatory, working as it does outside of official institutions. Co-production is the marriage of time banking with established social service organizations or programs.

In one workshop, Edgar Cahn illustrated the importance of co-production by recalling how Legal Services for the poor was gutted by goverment budgetary cuts. When Cahn realized other government funded social service organizations suffered the same fate, he began to ask why.

His conclusion was that social service clients didn't organize and pressure legislators and other community leaders to leave these vital services intact.

Cahn attributes that to the fact that most social service workers didn't have a true communal relationship with their clients.

"As a lawyer, if you came into my office I would ask how I can help you. We never asked how you can help me too. We didn't consider that these people have something to offer. What if we said: 'I can help you with your legal problems in exchange for you walking my dog or something like that'?"

That line of thinking led Cahn to the idea of co-production, weaving time banking principles into the very fabric of established agencies and institutions with specific missions, such as the criminal justice system.

The Time Dollar Youth Court in Washington, D.C. is an example. The Youth Court, which is composed of former juvenile offenders serving as jurors for their first-time offending peers, can earn time dollars doing various community service projects.

"There's a qualitative difference between neighbor-to-neighbor alone and co-production, where time banking works along with informal support networks," Cahn said.

The anthropological evidence

Perhaps the most intellectually interesting presentation of the weekend was delivered by anthropologist Polly Weissner, on Sunday, Aug. 29.

Weissner, who has studied reciprocity among tribes in South Africa and New Guinea for over 30 years, said time banking principles are affirmed and corroborated by anthropological study.

She said there are certain criteria anthropologists use to determine "biological behavior," among them being: Is the behavior universal and does it manifest itself in children at the same age in all cultures?

The anthropological evidence, she said, refutes the assumptions of classical and neo-classical economics, namely that human motivation boils down to maximizing monetary acquisitions.

"There is scientific evidence that there is a neuro basis for social cooperation" and when there is a breakdown in systems of non-market reciprocity, aggression naturally follows."

She also emphasized that because time banking is not a charity program but a non-market system that relies on reciprocity, it does not inflict "charity wounds" on those who participate.

To illustrate her point, Weisnner pointed to the American rebuilding of Europe after World War II. Because that act of charity didn't involve any reciprocity it has injected a false sense of superiority into the American popular consciousness. Also, she said, conventional development programs offered by western economic institutions like the World Bank and the IMF tend to stress the importance of economic capital at the expense of social capital, which fosters an unhealthy dependent relationship between the aid provider and the recipient.

In her studied view, Weissner added, time banking is not only crucial for peaceful human societies; it is also vital in terms of environmental health of the planet, given the ecological destruction wrought in the wake of market-driven forces.

Furthermore, "satisfaction from human relationships" - which time banking fosters - "reduces the desire for material things, she said, providing both an indictment and insight into the environment-destroying a culture of conspicuous consumption.

The appeal of time banking

Though the Time Bank Congress was a weekend with hours of panel dicussions and workshops, it didn't completely sap the energy of the participants, which was evident by the conversations outside of the workshops - over dinner and even into the wee hours at the conference center bar.

Wisconsin invesment advisor Robert Wynn said he came to the congress to see if he could learn how to combine time banking principles with the work he's involved with back home, mentoring black youth in building capital.

"There's a lot of potential here. I'm going to bring some this back home with me," he said at lunch on the final day of the congress.

If this all sounds like a love-fest to make people feel good about each other - something that people in the "real world" wouldn't bother to give much credence, that would be mistaken, as time banking has drawn the financial interest of people like Mark McDonough and Richard Rockefeller - two time bank funders who've had great fortune in the market economy.

McDonough, an MIT Sloan School of Business graduate who sold database interfaces to the world's largest supplier of microcomputer databases and the acting CEO for Time Banks USA, was one of three panelists who spoke about funding time bank projects.

Considering time banking froma philanthropical businessman's point of view, McDonough said it was "universal, efficient and effective. It gives you the most bang for the buck."

"For every one dollar of value you put in you get $6 of value out," he added.

Richard Rockefeller, another time bank funder with deep pockets, said he "bought into this because of the idea of social capital" and the realization that economic growth, as it is currently conceived, destroys social capital.

He said an article written by Jonathan Rowe about the misleading nature of America's primary measurement of economic health - the Gross Domestic Product - caught his attention.

"It's a faulty measure," Rockefeller said, referring to the GDP's inclusion of social ills like the cost of environmental clean-up as something that helps fuel economic growth.

"Yet we are making social policy based on it," he said. "Cash economies cannibalize society. I find that argument very convincing...So I feel very fortunate to hitch my wagon to the time banking movement."

Time banking, Rockefeller added, helps us see the limits of a cash economy.

Limits of cash economies and the rise of รข€˜grass roots globalism'

The limits of a cash economy were laid bare later that evening when Dr.

Hazel Henderson took the podium.

Henderson, an evolutionary economist, internationally syndicated columnist and author of "Beyond Globalization" among others, offered a sobering analysis of globalization in its present crisis and an upbeat assessment of an emerging "attention economy" - "the rise of grass roots globalism."

"Money has no value but we are controlled by it," she said, agreeing with billionaire financier George Soros that a global "financial meltdown" is possible, even likely, contrary to popular economic assumptions. And that's precisely why time banking and economies that deal in local currencies are so vital, particurlarly at this historical moment, she said.

The discussion following Henderson's remarks sparked an underlying concern raised the previous day by Calvin Pearce, a time banking phenom from Chicago who has been at the forefront of a city-wide tutoring program using time dollars that spans 45 schools and has delivered 4,075 refurbished computers to Chicago students.

Pearce asked: what about jobs for those involved with time banking organizations but who are also living in dire economic conditions?

After Henderson's presentation, Pearce once again challenged this year's theme of "Time To Unite," telling the story of a time bank member who had earned 300 time dollars in Chicago but was without a car, nearly destitute, and coping with news that his wife was terminally ill. Pearce wanted to know how those time dollars would help in that situation.

The challenges ahead

Embedded in Pearce's concern is the question: how can the time banking movement be even more responsive to the immediate needs of communities of color in particular, and to poverty-scarred communities, in general.

It's a challenge that Time Banking creator Edgar Cahn is ready to confront, having left the three-day gathering with a notion to establish a working group to look more carefully at possible shortcomings and/or perception gaps that may exist in communities of color suspicious of movements that don't offer empowerment.

Having served communities of color for over three decades, perhaps most notably in his role in establishing the Time Dollar Youth Court in Washington, D.C., Cahn has seen first hand how time time banking has empowered African-Americans struggling to make ends meet.

But, he said, he would like to see time bank leaders more aware and proactive on issues pertaining to where race, class and time banking intersect.

In the end, he said, time banking is a universal concept that transcends race, class and gender divisions as long as we remember "we have what we need, if we use what we have."

New York Times Article on Time Banking

Tuesday, March 31, 2009

Time to Join Cape Cod Citizens Committee for Economic Recovery






Cape Cod Time Banking - Do Me A Favor ?



A Time Bank is a software run network that allows members to exchange services. Members place offers for things they enjoy or don't mind doing, such as cooking, gardening, or tutoring on the 'marketplace'. Then, when a member needs something, they first look at offers and then either respond to an offer to check availability, or create a request if none exists. When an exchange is completed, the member who gave the help debits the appropriate amount of Time Dollars from the recipients account. One hour always equals one Time Dollar. Every member starts with two Time Dollars.



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In economics, a time-based currency is an alternative currency where the unit of exchange is the person-hour.

Time-based currencies value everyone’s contributions equally. One hour equals one service credit. In these systems, one person volunteers to work for an hour for another person; thus, they are credited with one hour, which they can redeem for an hour of service from another volunteer. With dentists getting the same as dog-walkers, there are few dentists.


Time Dollars are created via mutual credit: Each transaction is recorded as a corresponding credit and debit in the accounts of the participants. In a Time Dollars system, or Time Bank, each participant's time is valued equally, whether he/she is a novice or an extensively trained expert. Time Dollars thus recognize and encourage reciprocal community service, resist inflation without encouraging hoarding, and are in sufficient supply, which enables trade and cooperation among participants. More importantly, the Time Bank is a tool for reweaving the very fabric of community. The tool has proven to be extremely flexible, working equally well across ethnic, socioeconomic, religious or racial groups. It has been implemented in a wide variety of settings - rural Appalachia, urban St. Louis, in Youth Court, and in retirement communities, to name a few.

Time banks

Edgar Cahn came up with Time Dollars as "a new currency to provide a solution to massive cuts in government spending on social welfare. If there was not going to be enough of the old money to fix all the problems facing our country and our society", Edgar reasoned, "why not make a new kind of money to pay people for what needs to be done? Time Dollars value everyone’s contributions equally. One hour equals one service credit."[citation needed] Cahn wrote two books, Our Brother’s Keeper and No More Throw-Away People.

The largest and most active Time Bank in the United States is the Portland Time Bank in Maine, offering startup training and comprehensive offline/online time bank management software. In the United Kingdom the plans are called timebanking, time banks and hour banks. There are reported to be 75 plans running in the UK, with 30 operating in Greater London. They are promoted as a tool in community regeneration.

In Spain a new time bank community, Kroonos, combines the latest internet social networking tools with an Exchange Trading System. With an international perspective and users in Spanish-speaking countries it also enables non-local exchanges facilitated by on-line technology.


Tuesday, March 24, 2009

The Next Story



A Second 9/11 in Slow Motion With a Whimper, Not a Bang! the Old Neighborhood Empties

By Tom Engelhardt

A block from my apartment, on a still largely mom-and-pop, relatively low-slung stretch of Broadway, two spanking new apartment towers rose just as the good times were ending for New York. As I pass the tower on the west side of Broadway each morning, one of its massive ground-floor windows displays the same eternal message in white letters against a bright red background: "Locate yourself at the center of the fastest expanding portion of the affluent Upper West Side."

Successive windows assure any potential renter that this retail space (10,586 square feet available! 110 feet of frontage! 30 foot ceilings! Multiple configurations possible!) is conveniently located only "steps from the 96th Street subway station, servicing 11 million riders annually."

Here's the catch, though: That building was completed as 2007 ended and yet, were you to peer through a window into the gloom beyond, you would make out only a cavernous space of concrete, pillars, and pipes. All those "square feet" and not the slightest evidence that any business is moving in any time soon. Across Broadway, the same thing is true of the other tower.

That once hopeful paean to an "expanding" and "affluent" neighborhood now seems like a notice from a lost era. Those signs, already oddly forlorn only months after our world began its full-scale economic meltdown, now seem like messages in a bottle floating in from BC: Before the Collapse.

And it's not just new buildings having problems either, judging by the increasing number of metal grills and shutters over storefronts in mid-day, all that brown butcher paper covering the insides of windows, or those omnipresent "for rent" and "for lease" signs hawking "retail space" with the names, phone numbers, and websites of real estate agents.

I hadn't paid much attention to any of this until, running late one drizzly evening about a month ago, and needing a piece of meat for dinner, I decided to stop at Oppenheimer's, a butcher shop only three blocks from home. I had shopped there regularly until a new owner came in some years ago, and then the habit slowly died. The store still had its awning ("Oppenheimer, Established 1964, Prime Meats & Seafood") and the same proud boast of "Steaks and Chops Cut to Order, Oven-ready roasts, Fresh-ground meats, Seasonal favorites," but you couldn't miss the "retail space available" sign in the window and, when I put my face to the glass, the shop's insides had been gutted.

Taken aback, I made my way home and said to my wife, "Did you know that Oppenheimer's closed down?" She replied matter-of-factly, "That was months ago."

Okay, that's me, not likely to win an award for awareness of my surroundings. Still, I soon found myself, notebook in hand, walking the neighborhood and looking. Really looking. Now, understand, in New York City, there's nothing strange about small businesses going down, or buildings going up. It's a city that, since birth, has regularly cannibalized itself.

What's strange in my experience -- a New Yorker born and bred -- is when storefronts, once emptied, aren't quickly repopulated.

Broadway in daylight now seems increasingly like an archeological dig in the making. Those storefronts with their fading decals ("Zagat rated") and their old signs look, for all the world, like teeth knocked out of a mouth. In a city in which a section of Broadway was once known as the Great White Way for its profligate use of electricity, and everything normally is aglow at any hour, these dead commercial spaces feel like so many tiny black holes. Get on the wrong set of streets -- Broadway's hardly the worst -- and New York can easily seem like a creeping vision of Hell, not as fire but as darkness slowly snuffing out the blaze of life.

A Stroll in the Neighborhood

Let me take you, then, on a little tour of the new face of my neighborhood. Along the ten blocks closest to my home, the banks (with one exception), the fast food restaurants (Subway, Dunkin' Donuts, Blimpie), and above all the chain drugstores that crowd onto successive blocks (Rite Aid, Walgreens, Duane Reade) still stand. It's the small places that seem to be dropping like flies.

So here we go up those subway steps at 96th where a branch of WaMu (Washington Mutual Bank, placed in receivership by the FDIC in September 2008 and quickly sold to JP Morgan) stands empty. Now, start walking up the east side of Broadway, past Citibank on 96th and the Bank of America at the corner of 97th, until you come to little Alpine Sound Electronics, or the shell of it anyway, where I used to buy my cheap, waterproof watches for my daily swim at the Y. Now it's gone, though an emphatic "sale, sale, sale, sale, sale" sign over the door is a reminder of its final moments.

Take another sec and check out the other side of the street, where at mid-block a canopy advertising "Moroccan & Indian Home Decoratives, Aromatherapy, Exotic Gifts" still stands, but with a "Store for Rent" sign in the window and a desolate interior -- a couple of ratty shelves, a single chair, a half-filled black garbage bag, and a broom. Right beside it is (or was) a tiny children's clothing store. Its striped awning now sports a gaping hole in its center as if it had been hit by a missile, though its window still says, "Made in New York City" enjoyed worldwide!" Not so much today.

But let's not tarry. Keep going past 98th, by that butchered butcher shop, but do note, next to it, another vacancy, the shell that housed a small wine bar and restaurant, Vinacciolo, that came and went. Only two long, bare, narrow tables remain on a floor scattered with trash.

Now, we're almost at 100th, passing those two towers with their unrented frontages and, on the east side of the street, the classic facade of the old Metro movie house, closed to build one tower, and still empty. The cracked glass of the ticket teller's booth backed by plywood gives the neighborhood that distinctive Last Picture Show feel.

Just above 100th on the west side of Broadway is the store once occupied by Sterling Optical. They moved more than two years ago (I followed them faithfully) and the metal security grill has remained in place ever since. Ditto the storefront next to it, empty but for a little hand-lettered sign on the door, "Fedex Please Knock Hard" -- it better be mighty hard! -- and a tiny "Zagat Rated 2006 Shopping Guide" decal on the window.

Well, you get the idea, if you haven't already experienced the equivalent wherever you live. At 101st, A & S Art/Framing ("custom framing and mirrors"), a sliver of a store, has closed up shop. Between 102nd and 103rd, Planet Kids is emptying out. ("After 18 years we are closing on March 31st...") On 103rd, the Royal Kabab & Curry restaurant has, like the optician, moved on to lower-rent digs without being replaced; and, on 105th, Tokyo Pop, a Japanese restaurant, all of whose wait staff mysteriously spoke English with French accents, has also disappeared, though its papered-over windows uniquely promise a "Pizzabar" in the Spring. (I'm not holding my breath.)

Actually, if you head in just about any direction, the toll is apparent. Go south on Broadway from 96th, for instance, and you pass the same proliferating patches of emptiness. At 93rd, the tiny storefront of the all-detective bookstore Murder Ink, which closed on the last day of 2006 (about the moment when this deepening recession officially began) remains unoccupied.

Further south, there are slaughtered neighborhood restaurants galore. Not surprisingly, even in food-mad New York, people are eating out less and our streets, except perhaps on a Saturday night, seem visibly less populated. Near the corner of 91st, Mary Ann's, a festive Tex-Mex spot, bit the dust; just before 90th, the upscale seafood restaurant Docks Oyster Bar shut its doors so recently that its red "restaurant" sign is still lit ("Docks thanks you all for your loyal patronage over the years but this restaurant is now closed!"); at the corner of 88th, in the spacious two-floor space that used to house Boulevard (on whose paper tablecloths my kids and I drew faces with restaurant-provided crayons), and then a dizzying succession of restaurants whose names escape me, the bar chairs are carefully stored upside down on the bar and a "For Rent" sign is in the window; and, on 77th, Ruby Foo's, a giant pan-Asian joint, described by Zagat's as "Disneyfied," has shut, too.

Only below 72nd street, where the neighborhood gets noticeably tonier, and the banks (TD, HSBC, Capital One, Chase, Bank of America) begin to breed and multiply, and the urban mall stores (Pottery Barn, Barnes & Noble, The Gap, Bed Bath & Beyond) proliferate, do the deaths end (except for a Circuit City branch at the corner of 67th that went down with that bankrupt chain).

Here, stores are still clean, well-lighted places, though a remarkable number of them sport signs that say: "save up to 50%," "up to 70% off!"

9/11, The Sequel

Let's not exaggerate. New York City is not downtown Elkhart, Indiana -- not yet anyway (although the other night on Amsterdam Avenue, just east of Broadway, I noted a block of 12 tiny storefronts, nine of which had been emptied). Yes, rents on avenues like Broadway remain sky-high and, these days, getting a bank loan if you're a small start-up is bloody murder, and the city's zoos are losing their state funding, the hospitals are getting rid of staff, the Metropolitan Museum of Art is having layoffs, the unemployment rate is rising fast, property values are sinking, mass transit riders are facing fare increases as well as major service cuts, and the Greater New York Orchid Society has canceled its annual show. Nonetheless, this global financial capital is still surfing the final modest wavelets of the tsunami of money that flowed through its veins in the good times (some of which continues to head "our" way, thanks to government bailout plans).

Still, as you walk past those patches of darkness, a thought almost can't help but form. For the last seven years, we've been waiting for 9/11, The Sequel, to arrive from Afghanistan or some similar place. The media has regularly featured fantasy scenarios in which Islamic terrorists sneak atomic bombs or "dirty bombs" into cities like New York and set them off. ABC's Charles Gibson even highlighted such a possibility in a Democratic presidential debate. ("I want to go to another question... The next president of the United States may have to deal with a nuclear attack on an American city. I've read a lot about this in recent days. The best nuclear experts in the world say there's a 30 percent chance in the next 10 years...") And the Bush administration claimed as one of its great accomplishments the prevention of a repeat of 9/11.

And yet, in a sense, as on September 11, 2001, maybe we were just looking the wrong way. After all, you might say that an economic dirty bomb did go off in downtown New York and this city (not to say, the nation and the world) has been experiencing a second 9/11 ever since, even if in slow motion.

In my neighborhood, back in those fateful September days in 2001, you could hear the sirens, see the jets streak overhead, catch the acrid smell of the towers and everything chemical in them burning, and like the rest of America, watch those apocalyptic-looking scenes of the towers collapsing in clouds of ash and smoke again and again. But if the look then was apocalyptic, the damage, however grim, was limited.

This time around there's no dust, no ash, no acrid smell, no sirens, no jets, and no brave rescuers either. And yet the effect might, sooner or later, be far more apocalyptic and the lives swallowed up far greater. This time, of course, the fanatical extremists were homegrown. Their "caves" were on Wall Street. They hijacked our economy and did their level best to take down our world.

And they may have come closer than most of us imagine. Alpine Sound and Oppenheimer, Tokyo Pop and Planet Kids, Docks and Ruby Foo's have all gone down (and more are surely headed that way). For the people who owned, or ran, or worked in them, unlike the survivors of the original 9/11, there will be no moving bios in the local papers, no talk of compensation, and no majestic memorials to argue about.

For the perpetrators, who have, at worst, gone home pocketing their millions, there will be no retribution. No invasions will be launched, no missiles shot into homes or hideouts. None of them will be pursued to their lairs, or kidnapped off the streets of New York, or from their palatial mansions, or apartments, or estates. None will be spirited to foreign lands to be imprisoned and tortured. None will be labeled "enemy combatants."

Quite the opposite, in 9/11, The Sequel, the U.S. government is willing to pay many of them and their institutions in the multi-billions for their time and further efforts.

In the second 9/11, all the pain and torture is in the neighborhood.

Tom Engelhardt, co-founder of the American Empire Project, runs the Nation Institute's TomDispatch.com. He is the author of The End of Victory Culture, a history of the Cold War and beyond, as well as of a novel, The Last Days of Publishing. He also edited The World According to TomDispatch: America in the New Age of Empire (Verso, 2008), an alternative history of the mad Bush years.

Copyright 2009 Tom Engelhardt


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