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Harnessing the power of crowdsourcing, viral branding, and service outreach

"extended enterprise"

the necessities to extend collaborative relationships between internal and external organizations.

BMW is crowdsourcing designs for a 2025 version of the BMW and MINI.

the global giant knows the public offers direct insight into what consumers want.

Participants made suggestions in a structured multimedia environment, where they could view, evaluate and build upon proposals made by other participants.

Remember it’s intelligence you’re interested in, not just information.

Face it, Facebook isn’t for everyone and it’s certainly not right for every business.

get a pulse of the quickly evolving consumer base.

“30 under 30” in energy by Forbes.

Their company started slowly, garnering interest-free investments from individuals to fund solar installations on five community projects. They range from homes on a Navajo reservation in Arizona to the Asian Resource Center in Oakland. All are smallish installations

I invested $100 in the Asian Resource Center installation in 2011, in equal parts to support the fledgling company as well as a social-service organization in my hometown

Those first projects were funded using a zero-interest investment model similar to Kiva, where investors get their principal back over time but no interest. This allowed Mosaic to avoid federal regulation and to go to market, learn the business, get feedback, and show traction for the idea. At the same time, it launched into the process of registering with the Securities and Exchange Commission, the federal agency that governs investment firms.

More recently, the company started raising money for projects in which it would pay interest. It can do this while waiting for SEC approval thanks to something called Regulation D, which exempts from regulatory oversight the offer and sale of up to $1 million of securities in a 12-month period.

A small group of investors was invited to put in as little as $25 and have been promised a return of 6.38 percent over five years.

The project is projected to save the youth center more than $160,000 through reduced electricity costs.

I invested $200 in this project as part of Mosaic’s private “beta” investment round

“As an asset class, the default rates on solar leases and power purchase agreements are extremely low,”

If I want, I can reinvest the earned interest and repaid principal in other Mosaic projects with the click of a button.

nlike investing in CDs, there are risks in Mosaic’s projects. The solar-installation customer could default on its monthly payments. The solar anels or installation could be faulty, tying the project up with repairs, negotiations, or worse.

There are a lot of unknowns: the number of people willing to invest sums, small or large, in energy projects offered by a start-up with a very short track record; the cost of attracting and servicing these investors; the number of available investment-quality energy projects; the actual performance of those projects during the life of the investments;

Together with a $2 million grant from the Department of Energy

All told, 51 investors ponied up $40,000 for the 106-panel installation; the whole project got funded in just six days. I’ve already received my first interest payment.

It’s a bold idea: Raise money from the masses in order to bring solar to the masses, providing value to everyone along the way.

Having proved the concept, Parish and Rosen are now ready to kick things into high gear, throwing open the doors to all qualified investors.

“The economics of solar have begun to make sense in more places, and online investing and peer-to-peer finance are becoming widespread. Those are the two big forces that we’re a part of.”

I asked him why no one had done this before. “It’s a really difficult set of skills and competencies that you need to pull together on one team to make this business model work,” he explained. “You need the securities law expertise. You need the solar project finance expertise. You need the technology expertise to build the online investment platform, and you need the marketing expertise to get people to invest in the projects.”

For each project, Mosaic provides the underwriting and due diligence. “If we like it and it meets our investment committee’s criteria, we make a loan offer to the project developer or the project owner, and negotiate a loan to them.” Mosaic takes a servicing fee (the difference between the interest rate charged the developer and the rate pays investors) and an origination fee of between 3 and 5 percent of the loan, which the developer pays. Mosaic doesn’t do the installation itself — it contracts that out.

Clearly, not yet a pathway to riches. What’s needed is volume.

“Our goal is to be doing billions of dollars of investments a year in clean-energy projects,

“We have already had a lot of developers coming to us," he says. "We’re interested in offering high-quality, clean-energy projects for people to invest in.

We believe clean energy is good in and of itself and is a great asset class for investment. So we’re looking at all kinds of projects.”

It’s not just solar. Parish and Rosen are looking at a broader category of projects to finance — what they call clean-energy infrastructure. That includes other forms energy as well as energy-efficiency projects and electric-vehicle infrastructure.

, the company aims to scale its offerings, including geographically, to get millions of Americans involved with funding clean-energy projects.

However it plays out, it’s a compelling and potentially disruptive business model. Allowing smaller investors to participate in clean-energy investments is an exciting possibility. And the relatively predictable returns of solar

can make these investments a safer bet than many traditional Wall Street investment vehicles.

And not for just small guys. Imagine if larger mission-driven investors, including pension funds and university endowments, started pouring money into Mosaic. The expanding investment pools could rapidly accelerate the growth of renewable energy and efficiency projects in the marketplace.

“I think a lot of people are just excited about the model,” says Parish, “and have been wanting to find a place that they can feel good about investing, that they can also generate pretty good yield from. And that’s what we’re trying to do.”

Parish makes a point: Some of this is an exercise in feel-good investing. But that’s nontrivial: How many of your investments do you feel good about? Even some of the so-called socially responsible funds hold stocks of fossil-fuel companies and other corporate nasties in their portfolios. If the nascent trend of disinvestment in fossil-fuel companies takes off among climate-minded investors, where will they next put their money? If Parish and Rosen have their way, there will be a new generation of cleaner investment alternatives to be found — perhaps, like me, right in your own community.

parks, downtowns, waterfronts, plazas, neighborhoods, streets, markets, campuses and public buildings

unite people around a larger vision for a particular place

Placemaking is a multi-faceted approach to the planning, design and management of public spaces. Put simply, it involves looking at, listening to, and asking questions of the people who live, work and play in a particular space, to discover their needs and aspirations. This information is then used to create a common vision for that place. The vision can evolve quickly into an implementation strategy, beginning with small-scale, do-able improvements that can immediately bring benefits to public spaces and the people who use them.

Unfortunately the way our communities are built today has become so institutionalized that community stakeholders seldom have a chance to voice ideas and aspirations about the places they inhabit.

Experience has shown us that when developers and planners welcome as much grassroots involvement as possible, they spare themselves a lot of headaches.

underperforming development projects can be avoided by embracing the Placemaking perspective that views a place in its entirety, rather than zeroing in on isolated fragments of the whole.

guidelines that help communities integrate diverse opinions into a vision, then translate that vision into a plan and program of uses, and finally see that the plan is properly implemented.

designing cities that catered to people,

perpetuate the community-driven, bottom-up approach that Placemaking describes.

Placemaking Grows into an International Movement