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"Hub Culture founder Stan Stalnaker shares his thoughts in a Q&A with Rachel Botsman on sharing, the power of the commons, and peer-to-peer transaction. Rachel Botsman is co-authoring a book with Roo Rogers entitled What's Mine is Yours: The Rise of Collaborative Consumption (being published by Harper Collins in 2010). The book is about how people are collaborating together through organized sharing, bartering, trading, renting, swapping and collectives to get the same pleasures of ownership with reduced personal cost and burden -- and lower environmental impact. RB: We look at how look how social networks and web technologies are giving new relevance to pre-industrial behaviors such as bartering, swapping, trading, social lending etc. that require marketplace structures. Essentially how we are going back to 'human to human transactions' between producer and consumer, seller and buyer, borrower and lender, neighbor to neighbor etc. What are your thoughts on this? What are your favorite examples of this in action? SS: We see the world evolving into a complete peer-to-peer system, beyond just communications but in finance and eventually energy as well. This means that the ability for individuals to transact with each other, at the mass-micro level, will transform how we value our sense of worth and of selves. The explosion in virtual and digital communities is driving this, and layered over existing 'real-world' relationships, creates a transactional fabric that will soon dominate the economic system. In the end, I think we will see an emergence of an economic relationship and fascination with networked efficiency that comes to dominate our worldview. This fits well with the sustainability model we need to develop to dovetail resource availability with demand; and not a moment too soon."

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Highlights of Proposed Rules Regarding Credit Cards and Overdraft Services Regulation AA (Unfair Acts or Practices) The proposal would amend Regulation AA to prohibit unfair or deceptive acts or practices by banks in connection with credit card accounts and overdraft services for deposit accounts. Credit Cards * Time to Make Payments. The proposal would prohibit banks from treating a payment as late unless the consumer has been provided a reasonable amount of time to make that payment. There would be a safe harbor for banks that send periodic statements at least 21 days prior to the payment due date. * Allocation of Payments. When different annual percentage rates (APRs) apply to different balances on a credit card account (for example, purchases and cash advances), banks would have to allocate payments exceeding the minimum payment using one of three methods or a method equally beneficial to consumers. They could not allocate the entire amount to the balance with the lowest rate. A bank could, for example, split the amount equally between two balances. In addition, to enable consumers to receive the full benefit of discounted promotional rates (for example, on balance transfers), during the promotional period payments in excess of the minimum would have to be allocated first to balances on which the rate is not discounted. * Applying Rate Increases to Existing Balances. The proposal would prohibit banks from increasing the interest rate on outstanding balances unless the increase is due to: (i) the operation of an index (in other words, the rate is a variable rate); (ii) the expiration or loss of a promotional rate (provided the rate is not increased to a penalty rate); or (iii) the minimum payment not being received within 30 days of the due date. * Two-Cycle Billing. The proposal would prohibit banks from imposing finance charges based on balances on days in billing cycles preceding the most recent billing cycle, a pra

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...let's look a little deeper into the divide between the free thinking liberals, the traditionalist conservatives and the fascist Neocons. Name-calling, yes, unfair, no... by any definition held to a standard of actions over words.

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"If someone asks you who you are, how do you identify yourself? You may tell them your name, job, nationality, race or religion. You probably realize that this answer does not encompass who you truly are. As we classify ourselves in various categories, we establish divisions between ourselves and others. Often it requires a catalyzing event, such as a natural disaster, for people to realize that we cannot survive if we don't work together. __ Today, due to global warming and other environmental issues, Earth faces many such disasters. Ilchi Lee, founder of the Earth Citizen Movement, first issued a call to action in 2001 in his book Healing Society. He wrote that once 100 million people realize they are Earth citizens and take action together, they will change the world. Enlightenment, Lee states, is not just knowledge. It is also action. Without action, he claims, knowledge is useless. __ The purpose of Lee's Earth Citizen Movement is to get people to declare themselves citizens of Earth. Rather than identifying with their nationality, race, or religion, they accept that they are human first, living together on Earth. The members believe human beings are all connected, and that realizing our common values will be the first step in recovering our humanity. __ The Earth Citizen Movement formally began in April 2009 and is growing all over the world. It has members in the United States, Canada, United Kingdom, Germany, Sweden, Russia, Korea and Japan. So far, over 100,000 people have joined. The movement's goal is reach to 100 million people. "

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"The problems with money stem entirely from how conventional money is normally issued - it is created by central banks in limited supply. There are three things we know about this money. We know what it does - it comes and it goes. We know what it is - it's scarce and hard to get. And we know where it's from - it's from "them", not us. These three characteristics, common to all national currencies, determine that we constantly have to compete for a share of the limited amount of the "stuff" that makes the world go round. This money can go anywhere, and so it inevitably does, leaving the community deprived of its means of exchange. It is simply the nature of conventional money that by its coming and going it creates conditions of competition and scarcity, within and between communities. So we have to scramble for money to survive, we are forced to compete for it, often ruthlessly. Intent on getting the most for the least, we strive for the best bargains, as individuals, businesses, non-profits, governments, and nations. As a society, as a generation, it seems we are determined to have everything ourselves no matter what consequences our excesses and negligence bring for others, now and in the future."

A stock's price movement, up and down until the end of the trading day, is strictly a result of supply and demand. The SUPPLY is the number of shares offered for sale at anyone one moment. The DEMAND is the number of shares investors wish to buy at exactly that same time. The relationship between supply and demand plays an important role in our study of rolling stocks.

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