The Cooperative Age

As we cautiously look forward to 2020, it’s impossible to not feel the effects of the last 12 months of economic upheaval on both the national and international level. More and more people are beginning to wonder what to make of it and how will they make it through to the end, or if there is even an end in sight. In fact, about the only thing economists can agree on is that this new emerging world economy is not the way it used to be, and will probably never be the same again.

So, in order to look ahead to plan for what appears to be an uncertain future, let’s see where things stand now in 3 key areas and look to possibly find a way to deal with it.

Personal Living

  • The cost of living is increasing so quickly it makes it difficult to save for the future
  • Traditional ways of investing (stocks, bonds etc.) for the future are too risky – nobody knows if companies and industries that exist today will be there tomorrow
  • Well-intended retirement savings are shrinking into the household operating budget for many juggling to pay for daily necessities and stay out of debt.

The Corporate World

  • Big business is laying people off in monstrous proportions with millions of jobs being lost on a monthly basis while fat-cat executives keep taking bigger bonuses
  • Greed and arrogance are the new corporate buzzwords all while the downsizing continues
  • There are no guarantees that the job and pension plan you have today will be here tomorrow — unemployment figures have more than doubled in recent years

Governments

  • At every level, governments are frantically trimming operating budgets and scrambling to find ways and means to provide and sustain essential services
  • Thousands of civil servant positions are being eliminated forever from jobs which, until recently, they always thought they would retire from – we all feel the effects daily in the reduced quality of service
  • Tax revenues continue to erode and spiral downward because, as unemployment rises, there’s fewer people paying income tax and buying taxable goods and services

So, what’s the answer?

Well, one thing is for sure: you cannot continue rely on the traditional built-in cushions and safeguards that have helped shape our society and thinking in the past.  If you want your piece of the pie, you have to change your thinking and start looking at things differently, very much in the same way our forefathers did when they left their old worlds behind. You need to:

Look ahead at what can be possible and stop dwelling on what isn’t.

You need to create our own ‘insurance policy’ by finding new ways to develop your own PIE, your own Personal Independent Earnings, so you and your family have and enjoy the security you need and deserve.

And, the good news is, we live in vibrant time where the availability and flow of information is at our fingertips — the market for goods and services is now worldwide, which means the opportunity for financial attainment and growth is unlimited for those who choose to go for it.

And, while the opportunity to chart your own course and realize your true earning potential has always been there for you to take – now, more than at any other time in our history, is the time to seize it, feel it and respond to it.

The cooperative age is now here and developing fast. This is where 40% of the money earned will come from in the next 10 years or less.  And it will only grow from there. Why are we not jumping on this bandwagon while it is in its relative infancy?  Because it is new?  Because we are so ingrained to have a job and not work for ourselves that we are afraid of change.  Our brains can’t wrap around the fact that it might be one of us that doesn’t have a job in the near future.

Uber changed the taxi industry.  eBay and Amazon changed the way we buy and sell goods and services.  Airbnb changed the hotel industry.  These are all cooperatives, where someone had a million dollar idea and went for it.  The only thing is, is that it allowed people the freedom to work for themselves but most of the money is still going to the developers.

Here’s an example of how our society has changed right under our noses and we didn’t even flinch, except for the people it affected.  Full-Service gas stations turning to Self Service, did that not take away thousands and thousands of jobs?  Banking was encouraged to do online and at ATM machines, did that mean that they needed less desk people, you would be correct if you said YES!  We are encouraging self-service checkout lines in grocery stores; department stores and the staff are right along with that because it alleviates line ups at their cash, but guess what?  No line, no job!  What do you think happens when you or I check ourselves out at Walmart?  Susan’s shifts go from 5 per week to 3 per week, her boss perhaps selling it to her that she gets weekends off to spend more time with her family, which is all fine until you can’t feed that family.  Susan is now down 40% of her wage due to not needing her any longer because the public would rather check themselves out at the self-service stations in her store.  We are allowing this to happen because your boss is a good marketer, he knows how to encourage you right out of a job!  Susan will be down to 2 shifts per week and looking for another job to feed her 3 kids but where is she going to go?

What about the auto industry?  Automation and relocation, has that not affected this industry to death?

An interesting article on CNN where one analyst is for automation and one that isn’t get together in a debate….here are some of the excerpts from it:

The workplace is changing. How should Americans deal with it?

“There’s no simple answer,” said Stuart Russell, a computer scientist at UC Berkeley, an adjunct professor of neurological surgery at UC San Francisco and the author of a forthcoming book, “Human Compatible: Artificial Intelligence and the Problem of Control.” “But in the long run nearly all current jobs will go away, so we need fairly radical policy changes to prepare for a very different future economy. “

In his book, Russell writes, “One rapidly emerging picture is that of an economy where far fewer people work because work is unnecessary.”

“That’s either a very frightening or a tantalizing prospect, depending very much on whether and how much you (and/or society) think people ought to have to work and how society is going to put a price on human labor.

There will be less work in manufacturing, less work in call centers, less work driving trucks, and more work in health care and home care and construction.”

Ok, lets take a look at the last statement above.  “More jobs in healthcare, home care and construction”, until that gets over saturated and then what?

“MIT Technology Review tried to track all the different reports on the effect that automation will have on the workforce. There are a lot of them. And they suggest anywhere from moderate displacement to a total workforce overhaul with varying degrees of alarm.

One of the reports, by the McKinsey Global Institute, includes a review of how susceptible to automation different jobs might be and finds that hundreds of millions of people worldwide will have to find new jobs or learn new skills. Learning new skills can be more difficult than it sounds, as CNN has found at car plants, such as the one that close in Lordstown, Ohio”

Closing down a plant that someone has worked for 18 to 30 years, what are they going to do?  You go from making $60K a year to nothing?  Yes, we can retrain and find a new job if we aren’t 40 and over, but what if you are 40 and over?  An employer is going to take a look at you and say to themselves, “I will only get another 10 to 15 years from them, let me hire someone younger.”

“To those who sweat for their daily bread leisure is a longed-for sweet — until they get it,” he wrote, later adding that “man will be faced with his real, his permanent problem — how to use his freedom from pressing economic cares, how to occupy the leisure, which science and compound interest will have won for him, to live wisely and agreeably and well.”

Free time is all well and good and we all long for more of it, but only if we are getting paid to take that leisure.  Being broke is not leisure time, it’s panic time, stress time and unsettled times.

What can be done about this uncertainty?

Well there is a solution, there always is if you think outside the box.  All of us are trained, educated and drilled to think, get a job, get benefits, retire with a good pension.  Well this is not happening today, who has a retirement pension except government employees, nurses and teachers?  It is a scary prospect to look into your future and wonder how am I going to ever retire, pay off my house, buy a new car?  It is even scarier if you have already been downsized, outsized and left on the side of the road without a prospect of another income.  Well you don’t have to wonder how will I ever retire now without a job.  Because in a way you just did!  “But I’m too young to retire.”  Yes, you are but what are you going to do if you aren’t trained or educated to do anything but what you were doing?  Well you can go back to school, but you have 3 kids, a mortgage, a car and a plethora of bills to pay who can afford to go back to school?

Well now that we have figured out the Industrial Age is dying, what’s next?

WELCOME TO THE COOPERATIVE AGE!

You are looking and walking towards the Cooperative Age as you read this article, welcome!

Cooperative Society:  A cooperative (also known as co-operative, co-op, or coop) is “an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically-controlled enterprise”.

Uber, Lyft, AirBNB, Ebay, Amazon and many other businesses are cooperatives

Now listen to this……

I have developed a system that will change the way we donate money.  Better than any cooperative out there today.  We turn givers into receivers, yes that’s right.  When you donate to your favorite cause you can also become a receiver from that same cause.  For just $1 per day you can make all the money you want and need for anything you choose.  A $28 donation is all it takes from you and if you get 3 of your friends to donate to your cause for only $28 each and they do the same for a cause they are interested in, you are well on your way to making all the money you want and need for your future.

Were you wondering where your child’s college fund was coming from?  Are you worried that your car won’t last till you have saved for that down payment?  Is your mortgage overdue?  CoopCrowd can change all that.  We spend much more than $28 dollars a month on something we enjoy.  What do you spend $28 a month on?  Starbucks, lunch out every day, that bagel with cream cheese at your coffee break?  Even that cheap sandwich you get at the deli around the corner from your office will cost you more than $28 a month if you eat out 5 days a week.  Order that favorite pizza on Friday night after a long week at work, will cost more than joining CoopCrowd.

I know, it sounds too good to be true and even my close friends and family have balked at the idea of putting out $28….because we are programmed to think that way.

Let me tell you a story……I have a friend that wanted to come into one of my other systems I developed where millions of people were making money, she didn’t balk at the system, but she couldn’t convince her people that it was something they should do.  She had a lot of dreams to wake up.  She is a very talented writer and has written 3 books, she creates the most beautiful cakes you have ever seen, she is an artist that would love to paint her days away and just didn’t have the funds to start any of them.  Her books are done but she can’t afford the editing fees, she bakes at home but needs a bigger space to expand her business, she has no room in her home to have a space just to create her art.  So, I told her about my last system, and she was all for it.  But got discouraged because no one would be her 3 friends and her 3 friends wouldn’t get 3 friends, all complaining that they didn’t trust the system.  Then she was diagnosed with Breast Cancer and had to leave her job, not knowing what her future held.  She went on Facebook and created a crowdfunding page where she received about $5000 worth of donations to help her finance her chemo treatments.  She then went to GoFundMe and received some donations from that too….but she didn’t like to take charity and thought it selfish of her to ask people for money when they had their own issues.

I introduced her to my CoopCrowd, and she beamed from ear to ear and the first thing that came out of her mouth was, “Oh, now I can help charities use this system and they can make far more than the donations they receive, plus whoever donates will get something back for themselves!  David this is exactly what everyone needs!  We could eradicate homelessness, hunger…you name it!  Let’s do it!”

This is exactly what I was hoping she would say, I was hoping that she would awaken her inspirations.  She was ready to take that journey.  Chemo and radiation had wracked her body to a point of constant pain from neuropathy in her feet and numerous other ailments that could stop her from functioning on a day to day basis, but she doesn’t stop.  She is ready to wake up her dreams and anyone else around her.  She is so excited to help her family, friends and even strangers.  I know and I believe that if she is all for this system any one of you would be.

Why not give and get back?  Why shouldn’t we all want to wake up a dream that has been put on the back burner for far too long?  Who doesn’t want to fire their boss at least once a week?

Look ahead at what can be possible and stop dwelling on what isn’t.

You need to create our own ‘insurance policy’ by finding new ways to develop your own Personal Independent Earnings, so you and your family have and enjoy the security you need and deserve.

And, the good news is, we live in a vibrant time where the availability and flow of information is at our fingertips — the market for goods and services is now worldwide, which means the opportunity for financial attainment and growth is unlimited for those who choose to go for it.

And, while the opportunity to chart your own course and realize your true earning potential has always been there for you to take – now, more than at any other time in our history, is the time to seize it, feel it and respond to it.

Having your own dreams realized is exactly what we all want and deserve.

Let’s do it for the fund of it!

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