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Coulson charged in perjury probe

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California Workers' Compensation Rate Increases

The article below is re-blogged from the Workers? Comp Executive

Wednesday May 30, 2012

FLASH REPORT!

Jones Approves 45% Workers? Comp Hike for 7/1s

Share:

California Insurance Commissioner Dave Jones went against a unified front of labor and employer representatives siding with the insurance industry and the Workers? Compensation Insurance Rating Bureau (WCIRB) in approving a 8.3% increase mid-year rate hike for California employers. Added to the 37% rate increase he approved for January, July and later renewals are facing an average rate increase of 45.3% over last year at the same time.

?Crud. This means we lose all our clients and pick up everyone else?s,? one Orange County broker told Workers? Comp Executive this morning.

The decision covers policies incepting on or after July 1, and gives insurance companies represented by the WCIRB all that they were asking for in its filing minus two cents. The minor adjustment is being attributed to the State Compensation Insurance Fund?s loss adjustment expenses (LAE), which are typically higher than other carriers? LAE, and hence skew the overall data.

The decision follows a 37% rate increase that Jones approved for January. The Commissioner and certain industry forces gloss over the magnitude of the increases by explaining how the ?benchmarks? or rates for pure premium rates are described. The phraseology changes were made at the commissioner?s request. The Commissioner and carriers express the changes to rates in ?average rates per $100 of payroll? but do not compare new rates to the old and therefore omit the true relative increase to employers.

The pure premium rates are advisory and insurers are free to file their own rates. Many follow the advisory, however.

Citing testimony received as part of the rate hearing process, Jones concluded that an increase is necessary as workers? comp costs continue to increase.

?The primary increase in California?s workers? compensation costs is with medical costs,? Jones says in his decision. ?Per unit medical costs do not appear to be increasing much, but medical utilization appears to be the main driver of overall cost increases.?

That?s particularly troubling in light of the increasing amount insurers spend on services to control medical costs.

?If cost containment tools are not working and costing more than they benefit, we need to know why. I expect the WCIRB to provide further information in the next claims cost benchmark filing that will assist in this analysis as it obtains and evaluates medical cost containment expense data,? Jones said.

Jones also reiterated an earlier call for a balanced approach to workers? comp reforms. He maintains that any benefit increases for injured workers need to be offset with systemic savings in the form of lower frictional costs and a reduction of medical cost drivers in the system.

-30-

(Original Content filed by WCE Staff in San Francisco, Sacramento, and Bangkok)

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Billion Dollar Blitz (TIME)

Share With Friends: | | Politics - Top Stories News, News Feeds and News via Feedzilla.

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Night shift might boost women's breast cancer risk: study ? Medical ...

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Night shift women at greater risk of breast cancer: research - Telegraph.co.uk May 29, 2012

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AGING AMERICA: New invasive procedure tested to tame high blood pressure when ... - Washington Post May 29, 2012

The Associated PressAGING AMERICA: New invasive procedure tested to tame high blood pressure when ...Washington PostWASHINGTON ? ?Maxed out on the medications? is how Bill Ezzell describes his struggle with blood pressure. It's dangerously high even though the North Carolina man swallows six different drugs a day. Hypertension may be the nation's s [?]

Woman battling flesh-eating bacteria is now able to speak - Los Angeles Times May 29, 2012

Daily MailWoman battling flesh-eating bacteria is now able to speakLos Angeles Times'Hello. Whoa. Wow, my mind is blown,' are her first words to her mother and sister since she was hospitalized in Georgia. ASSOCIATED PRESS ATLANTA ? A young Georgia woman battling a flesh-eating disease was able to speak Sunday for the first time since ...Georgia wo [?]

The Upside of Peer Pressure: Social Networks Help Kids Exercise More - TIME May 28, 2012

TIMEThe Upside of Peer Pressure: Social Networks Help Kids Exercise MoreTIMEBy Alice Park | @aliceparkny | May 28, 2012 | + Peer pressure can be a powerful force, and sometimes a positive one. For example, hanging out with active peers may lead kids to exercise more, making a child's social network a potential vehicle for ...Kids' friends influence [?]

Clinical Notes: FDA Issues Warning on Dialysis Fluid - MedPage Today May 27, 2012

Popsop.comClinical Notes: FDA Issues Warning on Dialysis FluidMedPage TodayBy John Gever, Senior Editor, MedPage Today Some ingredients in hemodialysis solutions can produce metabolic alkalosis if providers are not careful about dosing, the FDA said. Also this week: POM is ruled not so wonderful in its advertising.Fact-Checking Claims on the Wonders of Pomeg [?]

PSA test part of trend: Fewer screenings for well people - USA TODAY May 26, 2012

USA TODAYPSA test part of trend: Fewer screenings for well peopleUSA TODAYBy Liz Szabo, USA TODAY Many men were surprised this week when a government advisory panel recommended that doctors stop using the PSA test to screen healthy men for prostate cancer. By Bruce Powell, AP Dr. Gautam Jayram assists during prostate cancer ...Experts disparage use of test f [?]

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Nikon pushes out D4, D800 firmware update, fixes lock-up issues and other bugs

It wasn't long ago that we heard about the "lock-up" woes D4 and D800 owners were experiencing on their shiny new shooters, but luckily for them, Nikon just outed a fix to take care of those issues. Aside from solving the aforementioned annoyance, the firmware update (B:1.01) also mends a problem allowing RAW files to be network-transferred while in JPEG-only mode, as well as a bug causing bits like aperture and exposure compensation to change unexpectedly when using certain custom settings. You can grab the updates now via the source links below, and be sure to let us know how it all turned out in the end.

Nikon pushes out D4, D800 firmware update, fixes lock-up issues and other bugs originally appeared on Engadget on Tue, 29 May 2012 19:22:00 EDT. Please see our terms for use of feeds.

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Stepping Inside Foxconn?s iPhone Factory (Again) ? [VIDEO]

Posted by Arron on 27 May 2012 @ 1:09 PM

---

Following ABC?s exclusive trip inside the walls of Foxconn?s iPhone manufacturing plant back in February of this year, (later followed by Good Morning America), iFeng reported over this weekend that it was recently also able to snag a tour around the highly-secret complex.

The difference being, however, that the news network was also able to convince Foxconn?s own CEO, Terry Gou, to tag along for the ride ?

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? Are those metal-backed iPhones?

/ TheNextWeb

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bwin lan?a a primeira aplica??o de Poker real money para iPhone

(Comunicado de imprensa) O Texas Hold?em em cash games j? est? dispon?vel na App Store

Viena, 26 de Abril de 2011 ? a bwin, empresa l?der de entretenimento online, lan?ou a primeira aplica??o de poker real money para o iPhone. A aplica??o j? pode ser encontrada na App Store no Reino Unido e na ?ustria, estando presente num maior n?mero de pa?ses nos pr?ximos tempos. ?Gra?as a esta aplica??o desenvolvida pela bwin para o iPhone, os nossos clientes podem, pela primeira vez, mostrar o que valem na maior rede de poker do mundo atrav?s do famoso iPhone?, explica Berthold Kao, respons?vel pela gest?o do produto RNG & Mobile na bwin.

A aplica??o bwin poker iPhone oferece um novo leque de possibilidades aos amantes do maior jogo de cartas. A combina??o do jogo mais popular de todos, o Texas Hold?em e uma interface de f?cil uso e registo, permitem trazer toda a emo??o e divers?o para o mundo dos smartphones. A navega??o ? facilitada por um design eficaz da aplica??o, permitindo uma imagem clara e n?tida do jogo. ? exibida automaticamente a melhor m?o de um jogador, assim como com um toque ? exibido o hist?rico da sess?o em jogo. ?Com a aplica??o de poker do iPhone, continuamos a aumentar a nossa lideran?a no mundo do entretenimento m?vel. Em conjunto com a aplica??o bwin Casino Live para o iPhone, podemos oferecer aos nossos clientes um conjunto de aplica??es completo.?, afirma Kao.

Sobre a bwin
O grupo bwin tem mais de 20 milh?es de clientes registados em mais de 25 mercados de topo. Atrav?s de v?rias plataformas, o grupo oferece apostas desportivas, poker, casino, soft e skill games, bem como streaming de a?dio e v?deo dos grandes eventos desportivos, tais como as Ligas Alem? e Espanhola de futebol. A holding bwin Interactive Entertainment AG est? cotada na Austrian Trading Index da bolsa de Viena (c?digo ID BWIN, c?digo Reuters BWIN.VI), e em paralelo com a companhia m?e, fornece servi?os como o desenvolvimento de software, marketing, comunica??es, recursos humanos e finan?as ?s suas subsidi?rias e companhias associadas. O neg?cio operacional do grupo bwin ? realizado pelas companhias subsidi?rias e associadas na base de licen?as (exemplo: Alemanha, It?lia e Gibraltar). Os detalhes completos acerca da companhia est?o dispon?veis no website corporativo www.bwin.org

Matthias Winkler
Chief Communications Officer
bwin Interactive Entertainment AG
B?rsegasse 11, 1010 Vienna, Austria
Tel.: +43 (0)50 858-20067
E-Mail: press@bwin.org
www.bwin.org

Website: http://www.bwin.com

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Texas men stand up to local government for limiting their freedom of speech, makes mayor look like a buffoon

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Eyewitnesses to a fraud in D.C. mayoral election - Washington Post

The next evening a debate occurred at the Ward 4 candidate?s forum in the St. George Ballroom and Conference Center on 16th Street NW.

Among the Democratic mayoral candidates at both events were then-Mayor Adrian Fenty, Gray, and Sulaimon Brown, a minor figure whom I had met briefly a year earlier.

Brown put on a show each evening, castigating Fenty at every turn. No charge was left unhurled; the meaner and more outlandish, the better. Stirring up the crowd with zingers, Brown portrayed Fenty as an ingrate who had turned his back on the folks who put him in office.

Fenty repeatedly declined my invitation to respond to Brown?s personal attacks during the ?Lamond-Riggs debate. Meanwhile, Gray smiled serenely as the drama unfolded.

Likewise at the Ward 4 debate: Brown swung wildly, Fenty absorbed blows and Gray grinned like a Cheshire cat.

Brown told me before the Ward 4 debate that he was going to ?stir things up a little bit and have some fun.? That he did to a fare-thee-well.

Both encounters were reported in my Oct. 22, 2011, column, ?Is Mayor Gray telling us the truth??

As we were leaving the ?Lamond-Riggs forum on Aug. 3, I asked Gray what he thought Brown was up to. Gray smiled, shrugged and said, ?I wish I knew.?

Now we know the answer ? at least as to what Sulaimon Brown was up to.

Documents released in federal court this week show that Brown was a saboteur, paid with money from the Gray campaign to stay in the race and disrupt Fenty?s reelection efforts.

Members of the Gray campaign pulled off the scheme by diverting funds from Gray?s coffers to Brown in exchange for the little-known candidate?s assaults.

When Brown was beating up on Fenty at the August 2010 forums, he had already been paid.

It?s all there in the guilty pleas filed by Gray campaign assistant treasurer Thomas W. Gore and campaign consultant Howard L. Brooks. Both men admit to the scheme.

Gore provided Brooks with money orders that he had purchased with contributions to Gray?s campaign.

Brooks hand-delivered money orders worth hundreds of dollars to Brown, who deposited them in his campaign?s bank account in July.

By the time the two forums rolled around, Brown was good to go.

That, at least, is what?s on the record. More is likely to come out. The Gray 2010 campaign had a ton of money sloshing around (?excessive or unattributed cash contributions? is the way federal prosecutors described it). Some of the dough was put to no good, as in the purchase of Brown?s services.

Where did the cash come from? What did they do with the rest? And by ?they,? I mean more than Gore and Brooks.

Both men are soldiers, not generals. They don?t give orders but carry them out. The prosecution?s statement of the offense says that in ?late June, 2010 .?.?. Gore, Person A, and .?.?. Brooks met, and defendant Brooks was instructed to make payments? to Brown.

Will ?Person A,? the decider, please step forward?

Gore and Brooks were loyal until they got caught in their lies by the FBI. Trapped, they copped pleas and agreed to spill their guts to the government.

But they aren?t harmless creatures; they inflicted damage on the District?s political system.

They helped perpetrate an unpardonable act of deception on our city.

Citizens who gathered at mayoral forums and debates throughout the District had no way of knowing that Brown was being paid to carry Gray?s water.

Little did the voters know that while Gray was berating the ethics of the Fenty administration, Gray?s operatives were conducting a dishonest and corrupt campaign on his behalf.

Since Post reporter Nikita Stewart broke the story in March 2011 of Brown?s assertion that he had a deal with the Gray campaign and the alleged use of campaign funds, Gray has steadfastly denied any quid pro quo between his campaign and Brown. Gray maintains that he was unaware of any payments to Brown by his campaign. He said as much to my face on at least three occasions.

In a Post interview in March 2011, Gray asked, ?Did we ask him to do something on behalf of my candidacy, and did we give him something?? ?The answer,? he said, ?is unequivocally no.?

That answer, we now know, was unequivocally false.

Did Gray know better when he spoke?

That?s what the feds, and this city, want to know.

kingc@washpost.com

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John Piper - Sermon Audio - NEWS: Group: ?Burmese Troops Gang Rape Woman In Church?

Source: sermonaudio.com | 2012-05-27 - 4?hours ago

President Barack Obama on Friday prayed for all the service members who have given their lives in the nation's wars as he proclaimed Memorial Day 2012, to be observed Monday. "Our nation endures and thrives because of the devotion of our men and women in uniform, who, from generation to generation, carry a burden heavier than any we may ever know," Obama said in his prayer...

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US lawmakers to vote before August on Bush tax cuts

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2016 Summer Olympics ? 5 Explanations Why Rio Was Selected ...

The 2016 Summer Olympics is being hosted by Rio de Janeiro which is sure to be considered a lively and energetic event. The country wants thousands of people to attend this kind of explosive and spectacular event making sure that it really is as amazing as all fiestas in Rio. With breath taking scenery, an electric atmosphere and amazing sporting facilities, the 2016 Olympics is a large good results.

First Time in South America ? However, there were other contenders for that 2016 Summer Olympics, Rio was decided on for most motives. This is the very first time that the summer Olympics will likely be held in South America.

Large Investment ? The investment that?s been placed in the 2016 Olympics inside Rio is phenomenal, and definately will be sure that the competitors and also fans have the greatest facilities achievable. State of the art structures are already designed and created to make sure that Rio constitutes a statement. The particular theme that Rio chooses for their Olympic games will be ?Live your Passion? which goes over all, anything that Rio stands for.

Copacabana Beach ? The world famous Copacabana Beach is where lots of the outdoor sports shall be hosted in momentary buildings. The 4km extend of golden fine sand is well-liked by equally locals and vacationers, and it is where lots of people accumulated to hear the decision if Rio had earned the bid to host the Olympics.

Barra da Tijuca ? Barra is where the heart of the games will be going on and where the Olympic and Media communities are going to be set up. The particular options, which this improvement brings to the section of Rio is unbelievable, and will let the individuals of the city to become involved.

In case you are coming to the city mainly for the 2016 Summer Olympics, you will need to investigate everything else the city is offering.

If you plan to visit 2016 Summer Olympics, start here: Brazil travel.

Tags: 2016 Summer Olympics, Brazil sports, Brazil travel, Olympics

This entry was posted on Friday, May 25th, 2012 at 11:19 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.

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Get more from Pinterest than just expensive ideas

?

Courtesy of FastCompany

By Kevin Purdy
FastCompany

The appeal of Pinterest is hard to understand for those who have yet to post anything to that great pinboard in the cloud. And then once your pin addiction is in full effect, it can be even harder to figure out exactly why you are sinking so much time into the endless stream of neat-looking stuff.

While there?s nothing wrong with simply sharpening your eye and taste by clicking the "Pin It" bookmarklet?? we all need a break sometimes?? Pinterest can also be used in productive, focused ways. It?s all about having an end goal in mind when you create those pinboards. So if you want to harness Pinterest?s strengths and habit-forming powers, try these exercises.

Plan a vacation with friends
Pretty much everywhere you want to visit, eat, drink, stay or relax on a vacation has a website, and most of them have illustrative pictures. Isn't that convenient? Capitalize on the web's travel-friendly nature by creating a separate pinboard for every city or destination you want to hit up. If you're traveling with other people, nag them to create a Pinterest account if they haven't already, then follow them. Now, head to the board for the city you're visiting, click "Edit Board," then type in their name under the "Who can pin?" section.

Now you can both throw restaurants, hotels, attractions, events, coffee shops, dive bars or whatever catches your eye onto the board, and you and your travel buddies can see what common themes crop up. It's a lot easier to make sense of than a spreadsheet, and you're always just one click away from getting to a phone number or online booking form. My wife and I are planning a three-city jaunt through Pinterest, and it's helped us realize that, at the least, we should plan to enact a strict diet a few weeks before we leave.

Window-shop
Speaking of vacations, maybe you?ve thought about crashing on a couch in another city for a quick, cheap weekend trip. But the idea of browsing Airbnb for a distant city, with unfamiliar neighborhoods and unknown renters, kills the impulse. Then check out Airbnb?s pinboards, where you?ll find the Best of Austin, Unique New York, Brazilian Bests and other boards with big, clear pictures of where you?d stay, arranged by city.

There are, in fact, quite a few brands that offer what amounts to a prettier, easier to browse version of their own websites on Pinterest. Etsy, Threadless Tees, Whole Foods, Travel Channel?? the list goes on. Searching Google with ?Pinterest? before the name of the brand gives you something more akin to a window-shopping experience than almost anything else on the web.

Mood board
Pinterest pushes you to use its site in a social, casual, fun way. But that?s their branding, not a rule. Single-purpose pinboards can be used for work, or just to explain one concept to one person. Create a nondescript account under an assumed name if you must, or just delete the board once its job is done.

If you?re looking for a certain look from a designer, pin some examples ? it's known as a mood board ? and send them over. Create a board to brainstorm gift ideas with relatives of your significant other. Pin a batch of articles to illustrate the ideas you?re trying to incorporate into a pitch, statement, or campaign. In short, whenever you?ve created a list of blue links separated by carriage returns, consider whether they?d work better with thumbnail images and much more whitespace.

Read it later
A lot of apps and services compete for your off-board memory, or what you might call time-shifted consideration. Evernote and Springpad aim for universal capture and productivity, while Instapaper, Pocket (formerly Read It Later) and Readability want to hold your longer articles for when you?ve got time to read.

But consider again the value of a pinboard where you stash the things you want to check out later, no matter if they?re articles, videos, shopping items or recipes. Other apps can capture and tag nearly anything, sure, but Pinterest often feels lighter, less like work, and looks more inviting when you return to browse through all the stuff you?ve captured. Plus, there?s always the reward of friends and complete strangers repinning and dealing out kudos on your great taste.

Follow @KevinPurdy and @FastCompany, too.

More from FastCompany:

?

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iapetus lounger: Center for mental health - HEALTH, BEAUTY ...

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A Living Will?

Would you like to find out what those-in-the-know have to say about Living Will? The information in the article below comes straight from well-informed experts with special knowledge about Living Will.

A living will is a special document that has legal and binding authority. It is written specifically by a person to detail his wishes and requests covering specific medical procedures and treatments needed in case of adverse medical conditions. If you become unable to speak or decide about getting medical attention, the living will could be your way of being in control and having to decide for your life. The decision could not be made on the moment itself but it could be written in anticipation.

There are just many other information and things people should learn about living will. In definition, a living will, and all other legal advance directives, is a written instruction about a person?s specific medical care preferences and choices. If you make one, your family and your doctor would automatically consult the document in case you become unable to decide for yourself regarding significant medical treatments and procedures. Take note that the document could be drafted and prepared by you, but there should be legal or lawyer?s assistance and presence to make it valid and binding.

For sure, the living will may not be equally important and necessary as a will (last testament) or a living trust, but more and more people nowadays are deciding to have one, with regards to high medical costs. In comparison, a last will (more popularly known simply as ?will?) is also a legal document that is duly signed by a person in the presence of a legal witness who describes how that person wishes his assets and wealth to be divided by family and descendants upon death. Most opulent people are advised to have a will at hand. In fact, some wealthy individuals start to write their will early in life and subject that testament to numerous modifications and changes as time goes on.

Sometimes the most important aspects of a subject are not immediately obvious. Keep reading to get the complete picture.

For its part, the living trust is mostly considered as an alternative to will or last will. It also details distribution of estate of a person during and beyond his lifetime. The owner of the estate designates a trustee to manage all his declared assets, which would then be automatically transferred into the possession of the trustee. Thus, in a living trust, the person or estate owner need not be dead for the assets to be turned over to other people.

Any person could always specify in the living will the desire to have any of body organs removed and donated to other people who need transplants. Some people still are not aware of this. The body could even be donated to any medical school that is always in need of corpses for medical and scientific studies.

A living will is effective only when the person becomes incapacitated. He should not be able to decide or say what treatments he wants or not wants. Normally, in such instances, it is the family who takes the burden of decision. But people who want to spare their family from making such difficult task decide to pre-empt any medical decision through having a living will.

Before the living will is implemented, there must be a necessary and appropriate certification from a doctor that the person is truly suffering from a terminal condition or that he is permanently unconscious.

About the Author
By Anders Eriksson, proud owner of this top ranked web hosting reseller site: GVO

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Steve Dubb: Why Building Community Wealth is a Key Challenge to ...

Steve Dubb is research director of the Democracy Collaborative at the University of Maryland.

As our political system sputters, a wave of innovative thinking and bold experimentation is quietly sweeping away outmoded economic models. In ?New Economic Visions?, a special five-part?AlterNet?series edited by Economics Editor Lynn Parramore in partnership with political economist Gar Alperovitz of the Democracy Collaborative, creative thinkers come together to explore the exciting ideas and projects that are shaping the philosophical and political vision of the movement that could take our economy back.

As resistance has grown to America?s widening gulf between the ?1 percent? and the rest of the population, something new has exploded in America?s communities; ?community wealth building? is an explicit strategy to democratize the ownership of wealth from the ground up. With traditional regulatory and tax-and-spend approaches faltering at every level, the notion that we should create new democratic economic institutions to build wealth, community by community, is quietly gaining traction. We now have the potential for larger and longer-term transformation throughout the nation.

Power for the People

The central idea is simple: people join together through some form of public, community or employee-owned business to meet local needs and thereby regain a measure of local economic democracy and control. Partly self-help, partly community mobilization, and partly sketches for future system-wide expansion, community wealth-building efforts can be found in virtually every region of the country. The range of efforts is vast. Community wealth-building institutions include community development corporations, community development financial institutions, social enterprises, community land trusts, employee-owned enterprises, and cooperatives. All pool capital in ways that create new jobs and anchor jobs in communities.

The efforts also define a new approach to challenging corporate power? a strategy that changes who owns, controls and benefits from the underlying economic wealth of the system. It involves not merely replacing private capital, but displacing it through developing community ownership of business. In other words, profits should flow to workers, consumers or the community?rather than outside investors. And these businesses need to succeed! Increasingly, too, ecological concerns are structured into the very core of many models.

Transformation Everywhere

Examples of the new approach are evident around the world, including worker-cooperatives in Argentina; the Grameen Bank of Bangladesh (which, with its founder, Muhammad Yunus, won the 2006 Nobel Peace Prize); and the Mondrag?n cooperative network in northern Spain, which employs nearly 85,000.

Non-profit social enterprise is a community wealth building strategy through which nonprofits independently secure resources to meet their missions in the absence of adequate government support.?In San Francisco, a group known as REDF (formerly the Roberts Enterprise Development Fund) has helped boost the business activity of 50 social enterprises that have employed 6,500 people and earned revenues of more than $115 million. Three-fourths (77 percent) of social enterprise employees interviewed two years later were still working. Average employee wages had increased by nearly one-third (31 percent) and monthly incomes had almost doubled (90 percent). One of the enterprises in REDF?s portfolio is Buckelew Programs, a mental health agency with 220 employees that provides a continuum of services to roughly 7,000 clients each year and operates three social enterprises, including a green caf? and a green cleaning service, as well as a staffing service. This year, it intends to open a fourth social enterprise, a fresh-cut produce processing business.

In Grayland, Washington, Coastal Community Action?a nonprofit agency that operates a range of housing, food, healthcare, and employment programs?has built a 6 MW wind farm consisting of four wind turbines. The wind farm, which sells energy to the electrical grid, generates enough power to satisfy the energy needs of more than 1,500 households. The nonprofit estimates that its ownership of the $14-million wind turbine project generates $720,000 in unrestricted income each year, enabling it to increase service delivery options, lessen its local dependence on outside funding, and supplement the community?s ongoing projects and to meet more of the community?s needs.

In Seattle, Pioneer Human Services, founded in 1963, offers drug- and alcohol-free housing, employment, job training, counseling, and education to recovering alcoholics and drug addicts. It employs a total of 1,000 people and finances 99 percent of its $70 million budget through fees for services and earnings generated in the manufacture, distribution and sale of products. Businesses include retail caf?s, sheet metal fabrication, aerospace precision machining (it?s a contractor for Boeing), wholesale food distribution, and contract packaging. Not only do these enterprises build community wealth and provide independent resources that finance social services, the businesses themselves are central to Pioneer?s mission of helping ?people on the margins of society? stay out of prison and off the streets, enabling Pioneer to employ more than 700 men and women drawn from the ex-offender, homeless and drug-recovery populations it serves.

Community development corporations (CDCs), formed initially in the 1960s in a crucible of urban riots and rural neglect, now perform important community wealth-building and planning roles in cities and counties across the United States. CDCs can be found in virtually every major city. A Massachusetts study found that between 2003 and 2011, Massachusetts-based CDCs created or preserved over 9,000 homes and 14,000 jobs, while supporting more than 8,000 businesses and 160,000 families, generating nearly $2 billion of economic activity. A 2005 survey found that nationwide an estimated 4,600 CDCs help create 75,000 jobs per year.

Community development financial institutions (CDFIs), first given federal recognition in the 1990s, have the explicit aim of building wealth in low-income communities through providing financing where conventional lenders fear to tread. Even in the face of contracting conventional finance, assets in community investing institutions rose more than 60 percent?from $25.0 billion in 2007 to $41.7 billion?in 2010. In 2008 alone, credit unions financed and assisted businesses and microenterprises that created or maintained 35,624 jobs, financed the construction or renovation of 60,205 units of affordable housing, and provided 16,405 responsible mortgages to first-time and other homebuyers.

Community land trusts provide still another powerful illustration of community wealth building. Beginning in the 1960s and 1970s, pioneers like Bob Swann in western Massachusetts and Charles Sherrod in Georgia struggled against huge odds to develop modest land trusts efforts, often also involving other concerns, like respect for environmentally sound land use practices and rural community development. Today hundreds exist; in Irvine, California, the city?s strategic plan calls for 5,000 units of housing to be developed using land trust strategies.

Trusts of this kind keep the ownership of land underlying housing in non-profit or public ownership. Appreciation in land values is split via a formula between the homeowner and the trust, thereby avoiding gentrification. A study of a community land trust in Burlington, Vermont ? the nation?s largest ? also found that during its first two decades, 61.9 percent of residents who sold their land trust home after an average residency of six years were able to ?step up? to traditional homeownership. Meanwhile the equity gain that the trust retains enables it to continue providing affordable housing to future generations. In a down market, community land trusts are even more important. Simply put, community land trusts keep people in their homes. A 2011 study found that land trust homeowners were 10 times less likely to be in foreclosure proceedings than conventional homeowners.

Employee ownership is another powerful community wealth-building strategy. The National Center on Employee Ownership (NCEO) estimates that in 2009 there were 9,800 companies owned in whole or part by workers through their pension contributions through a form of ownership known as an employee stock ownership plan or ESOP. As of 2009, there are 10.3 million employee-owners of companies own in whole or part by ESOPs, with net assets of $869 billion. In other words, the average ESOP employee-owner has an ownership stake of over $84,000. NCEO estimates that since 2009 the number of ESOPs has climbed over 10 percent to 10,900 companies.

Employee ownership also has powerful economic stabilizing effects: between 2000 and 2008, while the number of manufacturing jobs fell 29 percent in the state of Ohio, employee-owned manufacturing jobs held steady, dropping only 1 percent. Nationally, in 2010, 12.1 percent of all workers?nearly one in eight?had faced a lay-off in the previous 12 months; by contrast, only 2.6 percent of workers who were employee-owners were laid off.

Sharing the Wealth

Perhaps the most visible form of a community wealth building is the cooperative. More than 130 million Americans are currently members of a co-op or credit union. Because many Americans own shares in more than one co-op or credit union, the total number of co-op memberships in the United States exceeds 350 million. Overall, a 2009 University of Wisconsin study found that nearly 30,000 cooperatives in the U.S. account for more than $3 trillion in assets, $514 billion in total annual revenue, and provide 856,000 jobs.

Credit unions are governed by the core cooperative principle of one-member, one-vote. Importantly, they make their loans directly to their members ? member-owners of credit unions can be confident that their deposits will be reemployed productively through loans that help finance local consumer purchases, create jobs and build wealth at home.

Another powerful community wealth-building mechanism is the state-owned bank. In North Dakota, a state-owned bank has operated since 1918, earning the state more than $300 million over the past decade, while helping support local banks and local community investment. Legislation exploring or creating such banks has been introduced this past year in more than a dozen states, including Arizona, California, Hawaii, Illinois, Louisiana, Maine, Maryland, Massachusetts, Montana, New Mexico, New York, Oregon, Virginia, and Washington.

As experience with the various democratized forms has become increasingly enriched over time, innovative strategies of collaboration among enterprises and/or with local governments have also begun to emerge. In California, a comprehensive, community-owned development project consciously links individual and collective wealth building in the diverse working-class Diamond neighborhood in southeast San Diego. With the support of the Jacobs Family Foundation, the community raised philanthropic and government funding to develop a commercial and cultural complex, anchored by a shopping center. A key element was the community public offering, which provided community residents and employees an exclusive opportunity to buy shares (valued at $200 and capped at $10,000) for a total 20 percent ownership stake in the project. As one community owner noted, ?That we own stock, and that we have an opportunity to make a difference in what type of business goes in the community [is unbelievable]. We have some say-so in the community environment.?

The Neighborhood Unity Foundation also has a 20 percent ownership share that provides it with a sustainable source of funding for its community wealth building efforts. The Jacobs Family Foundation, which retains 60 percent ownership, intends to turn over its share to community owners by 2018. Ultimately, area residents will own 50 percent of the project and the neighborhood foundation the other 50 percent, retaining the profits generated to benefit the community rather than outside investors.

In Cleveland, Ohio, an integrated group of worker-owned companies, supported in part by the directed purchasing power of large hospitals and universities, has opened a major new vector of urban strategy. The first of Cleveland?s planned network of cooperatives opened its doors for business in September 2009. The co-op industrial scale laundry is a state-of-the-art, ecologically green, commercial facility capable of handling 10 million pounds of healthcare linen a year. Its sophisticated business plan provides all employee-owners a living wage and health benefits. If current projections are realized after seven years on the job each employee will have a $65,000 equity stake in the enterprise.

In October 2009 a second employee-owned, community-based energy company began large-scale installations of solar panels for the city?s largest nonprofit health, education and municipal buildings. (Additionally, it provides home weatherization services.) A third business scheduled to start operations this year is a year-round hydroponic food production greenhouse capable of producing three million head of lettuce and approximately 300,000 pounds of basil and other herbs a year.

More to Come

Many other enterprises are in the planning stage. Cleveland mayor Frank Jackson praised the co-ops for being ?a model for how we can put our people back to work and rebuild our community.? A growing number of economic development officials, tired of chasing corporations with public subsidy dollars, like the idea of creating anchored, community-owned enterprises that won?t get up and move. Already, the Cleveland co-ops have inspired efforts in other cities to develop similar networks, including Amarillo, Texas; Atlanta, Georgia; Pittsburgh, Pennsylvania; and Washington, DC.

Community wealth-building strategies offer powerful possibilities for longer-term change. First, in most instances, the new wealth-democratizing approaches provide responses (or suggestive directions of response) to economic dislocation and social pain where traditional political approaches have failed. Second, in many instances, they involve quite unusual local alliances, frequently including small business and religious leader support. Third, often the institutional trajectories have also begun to define (and secure) new supportive measures from local, state and national policy makers, thereby also beginning to define new directions for potential ongoing and more expansive policy and political action. Finally, that they are based in local, everyday experience may also lead to changes in the foundations of political and democratic cultural development over time.

Together the above suggest a long, slow developmental arc left in the wake of the failure of conventional politics and economics. And already, a growing number of Occupy activists are looking to worker-owned cooperatives as a way to self-fund the movement, displace corporate economic space, and develop an economic base that can support alternative economic and political formations. The path to building a truly democratic economy may be long, but the growing base of community wealth building institutions provide some building blocks that, over time, suggests the quiet development, potentially, of the basis for a community-sustaining economy that serves the interest of all Americans, rather than our current system which disproportionately benefits the wealthiest at the expense of the 99 percent.

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