Project: Employee and Customer Ownership of SEPTA with Hydrogen Powered Vehicles Built in an Employee Owned Plant at the Site of the Old Budd Manufacturing Plant and The Philadelphia Gas Utility Infrastructure - the Philadelphia Gas Works (PGW) Public Utility Business Model being transformed to the Philadelphia Energy and Water Works by implementation of the reorganization of PGW and Philadelphia Water Department to Customer and Employee Stock Ownership (CSOP/ESOP) Organization, supported by an Empowerment Zone Community based Charter School - Financial-Literacy-Learning-By-Doing-Community-Development-Credit-Union program! And A Community and Corrections Institution-based Internet Distance Learning Charter School - Apprenticeship - Health -Financial-Literacy-Learning-By-Doing- Community Credit Union - Mutual Insurance Company - CROP Gospel Network Program - Apprenticeship - Health -Financial-Literacy-Learning-By-Doing-Community Credit Union - Mutual Insurance Company - CROP Gospel Network® Program - Financially supported by the Individual Development Account Trust Agreement (IDATA) funding process through the Martin Luther King (MLK) National Bank Endowment for Economic, Education, Environmental and Social Justice Grants and Loans Distribution Program!
P.O. Box 42227, Philadelphia, Pa 19101 - web sites www.croppgm.net - www./pemig.webs.com - www.phillycu.webs.com
Community Rebirth Organization Plan(CROPÔ) Action Team
Community Partners in:
Economic, Education, Environmental & Social Justice - A Pay Day for The People
Ownership Changes Behavior - A New Jubilee Harvest for the People
The Tree of Life (Baobab)
The Community Rebirth Organization Plan (CROPÔ) Action Team also works simultaneously for Character Rebirth Organization Plan (CROPÔ), Constitution Rebirth Organization Plan (CROPÔ), Christianity Rebirth Organization Plan (CROPÔ) and Commerce Rebirth Organization Plan (CROPÔ).
The Community Rebirth Organization Plan (CROPÔ) Action Team NewDeal of Helping People with Technology Solutions to their Every Day Problems as part of its Commerce Rebirth Organization Plan (CROPÔ) programs for the advancement of Economic, Education, Environmental and Social Justice is promoting the expansion of ownership of financial instruments, and economic production capital in the context of the "New Hydrogen" based economic infrastructure needed to save SEPTA. The Philadelphia Mass Public Transportation Infrastructure SEPTA Business Model must be transformed by the implementation of the reorganization of SEPTA to Customer and Employee Ownership Organization featuring Hydrogen Fuel Power rather than Gas and Diesel Power for its Fleet of Vehicles to bring rider fares down and to begin to address the economic and environmental disaster that our society is confronting. A communities real wealth is generated by farming, manufacturing, mining and service industries that support these activities.
Philadelphia has not had an anchor manufacturing organization since the close of the Navy Base and the Budd Company. Thus, Philadelphia like many other of our country's older cities has been in economic decline for about thirty years now. This situation has created the need for the CROPÔ-Action Team which is a family of Neighborhood Networks that comprises an array of Collaborative Partners interested in providing Welfare-School-Prison-Military-To-Work and Homeless-To-Home-To-Work and Business development opportunities for individuals and families. In addition, CROPÔ-Action Team members are engaged in creating and expanding local resident business employment and ownership projects. The CROPÔ-Action Team program features an Apprenticeship Council and Workforce Investment Act Training Partner the Allied Trades and Building Construction Conservation Crafts Association. Program participants learn-by-doing the following skill set: Health literacy; Basic skills literacy; Technology literacy; Financial literacy; Political/Civic/Social/Legal literacy; and Spiritual literacy. CROP-Action Team Institutional Guardian Organizations are the providers of the Human Development Support Services that enable program participants to acquire the literacy skill set mentioned above.
The CROPÔ-Action Team Institutional Guardian Organization People Empowerment Mutual Insurance Group (PEMIG's) mission includes the creation of Individual Development Account Trust Agreement (IDATAÔ) human development support services mutual responsibility agreements financial instrument accounts working with the government as the endowment funding entity for the needy citizen/resident beneficiary-policyholders (i.e. financial instrument) of the mutual responsibility plans being held through the People Empowerment Credit Union (PECU), and financially managed by the mutual insurance company. The IDATAÔ financial instrument accounts consolidate appropriation resources that are funneled directly through Neighborhood / Safe-Haven - Self-Help - Community Government (Job / Life Instruction) Resource Center School organizations that are alliance and/or collaborative partners to the Community Trust Organization. The Community Trust model is an Up from Dependency strategy vehicle that is an empowered agency of the PEMIG and a national model community economic development program that under the US Empowerment Contracting Executive Order consolidates Federal and State Government program funding that cuts across agency lines to be channeled into community-based, integrated social malaise prevention programs, centered around economic and human development through the IDATA financial instrument accounts.
The IDATAÔ financial support strategy serves as a community financial-risk management vehicle for our society. The community financial-risk management vehicle is an infrastructure that operates through the IDATA's being placed by the Mutual Insurance Company functioning as an insurance syndication house and partner to local, regional and national wholesale commercial financial insurance instrument placement houses. The insurance financial instrument syndication process results in the creation of insurance/financial income-annuity guarantees that allow community business partners with skills to participate in the re-establishment of capital, assets and debt management in distressed communities. The financial instrument account holders who participate in our People Empowerment Mutual Life & Casualty Insurance Company, Inc. through being a qualified recipient of Specialized Mutual Responsibility Plans - Individual Development Account Trust Agreements (IDATA's) are also PECU account holders.
The IDATAÔ's create an economic opportunity ownership safety net for maintaining community social and economic security through the fiduciary function performed by the operations of Institutional Guardian Agencies (such as Community Trusts - Empowerment Sub-contracting Organizations), that promote business ownership expansion promotion through public/private community empowerment contracting collaborative partnerships. The establishment and preservation of a Trust Corpus of the IDATAÔ's finances and supports future human development needs of community entrepreneurs (citizen/residents in need), through consolidated Federal and State Government resource education appropriation allocations. The resource allocations that the community citizen/residents qualify for institutionalizes a financial market governor that mitigates the government projects financial markets impact known as the crowding out effect. The establishment and preservation of a Trust Corpus composed of IDATAJ accounts under an investment regime that requires diversity of distribution over the main stream financial instrument insurance houses will establish an operating model for financial investment. An operating model for financial investment that creates financial instruments that represent real assets (i.e. capital assets that represent ownership of the assets of production [real wealth]). This regime results in the creation of real wealth assets that causes increased circulation and distribution of monetized assets in our society. The increased circulation of real wealth assets provides a basis for increased consumption that addresses the dilemma of management of abundance (i.e. gluts of products and services) that our society is faced with in our new economic era of computer automated production processes. Computer automated production processes that result in gluts of products and services that require adequate incomes to be generated in order to expand consumption.
WHAT: The CROPÔ-Action Team builds on a community's social and economic infrastructure through a network of programs that meet the needs of citizens living under stressful conditions:
CROPÔ-Action Team Programs include the following:
2.) Educational Attainment evaluations
3.) Job/Business Development evaluations
2.) Basic skills literacy
3.) Technology literacy
4.) Financial literacy
5.) Political/Civic/Social/Legal literacy and
6.) Spiritual literacy
Human Development Support Organizations - Community Associations, Ex-Offender Family Life Improvement Community Associations, Other Community Associations, Block Associations, Omni-community (OCS) CHARTER SCHOOL - CAMPUS OF DISTANCE LEARNERS, Data Spectrum The-Job-MarketJ supported operations such as the African American Global Africa Development Center (3ADC) - American Global Development Center (AGDC), Allied Trades & Building Construction Conservation Crafts Association (an Independent Apprenticeship Training-to-Work Program Operator), with College and University Partners!
CROPÔ, through the Individual Development Account Trust Agreement (IDATA) funding process is providing Training-to-Work Apprenticeship and expansion of health improvement, education, employment, finance, housing and business ownership opportunities, with social, environmental, and economic justice for family members who are in prison-to-work, homeless-to-home-to-work, welfare-to-work, military-to-work, and school-to-work type situations! The IDATA programs operate in a mutual responsibility agreement and family-stewardship framework!
The CROPÔ Action Team operates community-based alliance partnerships with community-based not-for-profit and for-profit organizations in conjunction with public agencies and quasi-public-private affiliate agencies;
The CROPÔ Action Team operates a steering committee that cuts across agency lines of local, state and federal government to deliver resources to identified neighborhood community government organizations that desire to address local citizen economic and social grievances funded through Individual Development Account Trust Agreements (IDATA).
The CROPÔ Action Team PROGRAMS provide through their operations a means to create private individual positive wealth and health assets for individuals in our society as a replacement for the Old Factory Age vehicle of a commercial company or government retirement account plan with full health benefits and the Social Security System as the emergency safety net system for those who did not achieve the ideal retirement account plan benefit.
The mutual responsibility agreement strategy of the IDATA FINANCE PROGRAM strategy assures that those who lack health literacy who are utilizing forty percent of Medicare/Medicaid resources will be reduced in number by the operation of the CROPÔ Action Team PROGRAMS. Thus providing a means of stabilizing the costs associated with the Medicare/Medicaid Programs.
The Individual Development Account Trust Agreement (IDATAÔ) funding program for needy citizen/resident beneficiary-policyholders of the mutual responsibility plans for human development is financed by our mutual insurance company through a Federal and State Program Funding Waiver Process. The IDATA implementation process creates a new economic opportunity capital ownership expansion safety net for all our people through restructuring the community human investment programs of our society! The IDATA implementation process provides a vehicle to police the delivery of human development support services delivery in our society by bringing into the process the fraud prevention and detection capacity of the Insurance Industry! The fraud prevention and detection capacity of the Insurance Industry will be implemented through People Empowerment Mutual Insurance Group's (PEMIG's) management of the IDATA accounts!
The CROPÔ Action Team PROGRAM act as a Community Risk Management Vehicle that is self-sustaining and that creates a mechanism that acts as a financial market interest rate governor that mitigates the government projects financial markets impact known as the crowding out effect. Uniquely, unlike traditional human services finance model programs, a trust corpus is created that begins to build ownership of real wealth assets for the participating distressed community members. Further, uniquely unlike traditional human services finance model programs, ours operates in a human development support systems delivery process that features the integration of human development finance with human development support services delivery in a separation of duties oversight framework. The program creates insurance finance instruments that fund support for the human development process that are owned in common by program participants.
The People Empowerment Mutual Insurance Group Company provides non-traditional insurance financial instrument products such as the IDATA and co-pay items such as health-medical insurance and automobile coverage on a mutual responsibility contract basis for program participants. The People Empowerment Mutual Insurance Group Company is to operate in a manner analogous to a privatized Pension Benefit Guaranty Corporation with the government providing the initial capital to fund the IDATA accounts.
The Community Rebirth Organization Plan (CROPÔ) Action Team NewDeal of Helping People with Technology Solutions to their Every Day Problems as our STANDARD Operating Procedure (SOP) program consists of these action elements:
Basic and Computer Literacy-by-doing and owning a PC - The Youth and Family Earn a Computer Program conducted by the Omni-community Charter School - Campus of Distance Learners with the Allied Trades and Building Construction Conservation Crafts Association featuring the Youth Technology Institute - Parent's Technology Institute - Teacher's Technology Institute - Where participants earn (i.e. become owners of) a NewDeal Green Personal ComputerÔ (PC) by completing a basic - computer literacy program successfully! The Philadelphia Public School and City/State Prison System Infrastructure - the Philadelphia Schools do NOT work for the majority of children and their parents and the City/State Prison System does not rehabilitate most offenders !
We are in the process of beginning to transform our City/State Prison System by the implementation of the CROP Action Team's NewDealJ unique and innovative program for financing human and community economic development as a National Model Strategy to begin addressing effectively the social, education, and economic/financial emergency in our Community, State and Country, starting with Prison-Training-to-Work -Apprenticeship - Homeless-to-Home-to-Work! This program features the Omni-community Charter School - Campus of Distance Learners with the Allied Trades and Building Construction Conservation Crafts Association and College and University Partners operating in the Prison System.
The People Empowerment Zone Community Development Federal Credit Union doing business as the People Empowerment Credit Union (PECU) is to provide each of its members "E-commerce Financial Literacy Training by Doing" and computer assisted instruction coupled with an integration of a wealth development needs assessment to an innovative citizen financial support program (individual development account trust agreements - [IDATA's]). The IDATA's are to provide immediate support for custom computer age job related training and business start-up capitalization opportunities as training-to-work, welfare-to-work, prison-to-work, military-to-work, and school-to-career bridges with living stipends during the training-to-work period. PECU conducts learning-by-doing financial literacy/ student - family programs featuring involvement with Block/Community Association action groups formed to address community economic - education - environmental and social justice issues and concerns raised in town type meetings.
The CROPÔ Action Team's NewDeal includes being the Southeast Pennsylvania coordinator for the Stop Taxing Our Properties (S.T.O.P) movement. STOP is the movement to pass legislation that would end all local and state taxation on Pennsylvania homestead (i.e. the one primary house/home residents of Pennsylvania live in) properties. This would facilitate equitable funding for our Public Schools becoming a reality!
CENTER FOR ECONOMIC AND SOCIAL JUSTICE (CESJ)
A VEHICLE FOR ECONOMIC AND POLITICAL EMPOWERMENT
OF INDIVIDUAL CITIZENS AT THE COMMUNITY LEVEL
Current enterprise zone initiatives offer an opportunity to demonstrate at the community level what a national strategy of empowerment and community development will look like in microcosm. Present sources of funds for financing enterprise zone development depend on generous tax breaks for the rich (which means unpopular offsetting tax increases or cuts in other spending programs) and a shifting of federal funding from some vested interest groups to the zones. Otherwise potential investors will continue to invest elsewhere, even overseas. This "zero-sum game" is only one of the major flaws in today's approach to enterprise zones.
CESJ recommends a more synergistic ("win-win") approach to zone development, including the encouragement of employee stock ownership plans (ESOPs), Community Banks (CBs) and Community Investment Corporations (CICs), as preferred instruments for financing new enterprises and land redevelopment in the zones. (In a separate paper we recommended reforms for encouraging zone businesses to adopt special "Zone ESOPs" for empowering their workers.) Such a comprehensive empowerment strategy would minimize the percentage of outside ownership of the capital growth within the zones, and maximize the ownership opportunities accessible to the zone residents. Major corporations and banks would still be offered tax and credit incentives to locate operations in the zones as joint ventures, subsidiaries or divisions. But a significant portion of these incentives to outside investors would be linked to new techniques of corporate finance and new sources of asset financing which expand rather than concentrate future ownership opportunities.
What is the Community Investment Corporation?
The Community Investment Corporation is designed to serve as a for-profit land planner and private sector developer geared to rational innovation and change at the community level. It would plan land use and develop the land within designated urban and rural enterprise zone for industrial, commercial, agricultural, residential and public purposes. It would sell and lease the land and structures for public and private uses and impose charges for improvement and maintenance. It would not own other businesses.
The CIC would function just as the Rouse Corporation did in building Columbia, Maryland or the Reston Corporation did in building Reston, Virginia-but with a difference. It would turn community residents into its principal shareholders. Citizens would accumulate assets and share in the profits from development to supplement their incomes from wages, welfare and other sources.
While the CIC would aim at creating an environment within demonstration enterprise zones for stimulating private sector growth and new private sector jobs and entrepreneurial opportunities, its main accent is on widespread participation, particularly in the ownership of land, technology, buildings and infrastructure that must be fabricated upon the community's land for expanding the local economy. Using advanced tools of the free enterprise system-especially innovative credit and financing tools-the CIC would create new owners of newly created assets, without taking existing property away from present owners. Workers would earn their shares and receive profits from the ESOP companies and from for-profit CBs for which they work, and residents would "earn" their shares in the CIC through a Community Shareholders Participation Plan developed and approved within each zone community.
Without the CIC and Zone ESOP approach low-wage workers within the zone can be easily exploited by outside investors and companies seeking to compete with low-wage companies in the developing world. This weakness can be converted into a strength and magnet for companies willing to allow their employees to link their future increases to increased productivity through frequent profit sharing, equity accumulations and dividend incomes. The low fixed labor costs in zone companies can increase job security and employee incomes, without increasing product costs. Zone companies can then be America's models for global competition.
One word of caution. The Community Investment Corporation is radically different from ownership schemes such as Community Development Corporations (CDCs), Community Foundations, and Community Land Trusts. These tools of development launched in the "War on Poverty" of the 1960s too often produced poorly-managed enterprises whose ownership and control frequently fell into the hands of the few who controlled the organizations and local jobs. These approaches failed to decentralize access to economic power and profits by widespread personal ownership of local enterprises. By centralizing ownership, CDCs empowered local leaders, not the people. The CIC is designed to empower the people.
How would the CIC work?
CIC shares would be acquired by residents and other eligible persons at the lowest cost and generally with little or no down payment. The CIC would guaranty repayment of stock acquisition loans, pledging CIC assets (i.e., land, structures, equipment and receivables) as collateral. Credit for purchasing CIC shares would be repaid wholly with future CIC profits earned primarily from land sales and leasing. Residents would put up no personal savings to purchase CIC shares, and would not be personally obligated in the event of default on the share acquisition loans. As the CIC loans are repaid, CIC shares would be allocated among accounts of community households according to the points they earn under the Community Shareholders Participation Plan. The CIC would also serve as a community-based "stock exchange" for repurchasing CIC shares from outside investors or residents who move outside the community.
The CIC would also provide attractive discounts in the sale or leasing of land for commercial or industrial purposes to corporations adopting ESOP financing techniques for their employees or residents of the community. Profit-making subsidiaries of the CIC would be financed generally by loans which, when retired, would produce new capital estates for their employees and community residents.
Philadelphia Economic Development Ownership and Economic Opportunity Safety Net Action Plan Ordinance
An Ordinance of the City of Philadelphia, County of Philadelphia, Commonwealth of Pennsylvania, Enacting an Ordinance to ensure that to the maximum extent feasible All Housing Rehabilitation Contracts, All Public Works Contracts, All Public Construction Projects (regardless of ownership), and All Demolition Contracts, opportunities for employment and other economic opportunities generated by certain U.S. Housing and Urban Development (HUD) financial assistance be directed to low and moderate income persons, persons in Welfare-School-Prison-Military-To-Work and Homeless-To-Home-To-Work type situations and historically disadvantaged persons, residing within the unit of local government in which the project is located, and that contracts for work in connection with the project be awarded to eligible business concerns which are located in, or owned in substantial part by persons residing in the same metropolitan area as the project. Implemented through the CROP Acton Team Institutional Guardian Program Framework.
The Community Rebirth Organization Plan (CROPÔ) Action Team NewDeal of Helping People with Technology Solutions to their Every Day Problems presents the CADRE OF LAWYERS - Defenders of the American Ideal - Prepaid Legal Plan featuring funding support by THE NEWLY INVENTED IDATA (Individualized Development Trust Agreement) Financial Instrument through the UBCA - COMMUNITY TRUST - BLOCK/COMMUNITY ASSOCIATION BASED FOR-PROFIT COMMUNITY INVESTMENT CORPORATIONS Network.. The primary mission of the CADRE OF LAWYERS is to promote the Community Rebirth Organization Plan (CROPÔ) Action Team's agenda NewDeal of Helping People with Legal Technology Solutions to their Every Day Legal Problems associated with the New Jim Crow Black Codes by functioning as a coordination networking group for legal professionals of all types and to serve as legal support committee for researching legal infrastructure in Sustainable Development projects that utilize the integration of business economics and business education into community business enterprise development projects. The program focus is on legal support for business economics and business social action for all ethnic minority and disadvantaged persons within a framework of economic and social justice so that these persons can obtain educational, technical assistance, professional training, Pre-paid Legal Services / Insurance Support and Financial Management Services, and cooperative business-consortium services in the Empowerment Zone - Enterprise Community (EZ/EC) areas and all surrounding communities with the same demographic profile, in cooperation with all participating local college and university law centers and private law firms, in order that all may achieve their maximum potential in society.
CROPÔ Gospel Network - The Good News of the CROPÔ Gospel -
Pastor Coordinators, James H. Royal and Joe Watkins
Naturopathic Health Ministry (because wealth without health is not possible)
Basic Instructions Before Leaving Earth (B.I.B.L.E.)
Jasper Jones, Simple-Truth-Messenger
A program teaching that good health is in God's Plan through scripture presentation and examples related to you becoming what you eat, drink, think, inhale and don't eliminate.
A program teaching good health practices in a framework of:
1. Spiritual Literacy - knowledge and actualization of what is and is not Godly, righteous and moral behavior having internalized that there is consequences for engaging in wrongful - immoral behavior; and
2. Health Literacy - knowledge and actualization of the nutrition, exercise, thinking and other positive habits that lead to the avoidance of illness and having the physical capacity to have enjoyment of a life that is personally and professionally fulfilling.
Basic Instructions Before Leaving Earth (B.I.B.L.E.)
Jasper Jones, Simple-Truth-Messenger
Joseph Watkins, Financial Analyst Consultant
Jesse W. Woods, III, Licensed Insurance and Financial Products Broker
A program teaching that good financial health and wealth development is in God's Plan through scripture presentation and examples related to your wealth situation becoming what financial and wealth development practices you follow.
A program teaching good health and wealth practices in a framework of:
1. Spiritual Literacy - knowledge and actualization of what is and is not Godly, righteous and moral behavior having internalized that there is consequences for engaging in wrongful - immoral behavior; and
3. Financial Literacy - knowledge and actualization of effective utilization of the processes of economic activities, accounting functions, asset accumulation, and liability minimization that lead to wealth creation for the individual and society!
The Philadelphia Gas Utility Infrastructure - the Philadelphia Gas Works (PGW) Public Utility Business Model being transformed by the Community Rebirth Organization Plan (CROPÔ) Action Team NewDeal of Helping People with Technology Solutions to their Every Day Problems implementation of the reorganization of PGW to Customer and Employee Ownership Organization Philadelphia Energy & Water Works featuring Hydrogen Fuel and Natural Gas Fuel Power rather than Natural Gas as the only fuel technology being supplied to its customers to bring gas bills down - Gas Bills/Costs are too high in Philadelphia! The Philadelphia Energy Works is to consist of the combination of the Philadelphia Water Department sewer division with the existing PGW infrastructure thus enabling the millions of cubic feet of methane gas that is now burned off to be combined with Hydrogen to produce a synthetic gas that has the British Thermal Unit (BTU) fuel power value of natural gas.
Martin Luther King (MLK) National Bank Endowment for Economic, Education, Environmental and Social Justice Promotion Grants/Loans funded by every other year our people agreeing to suspending the MLK holiday and working on the MLK Federal Holiday with the additional collected federal taxes going to an off federal budget balance sheet endowment for funding the MLK Bank for the advancement of Economic, Education, Environmental and Social Justice.
(1) Organize into Block/Community Associations set-up to demand Parent Control of the Neighborhood Schools, PRISON-TO-WORK PROGRAMS, CUSTOMER OWNERSHIP of PGW and SEPTA, and that the Government STOP Taxing and Taking our HOMES. You can help make this happen by (2)signing our CROPÔ and STOP Action Petitions that demand these corrective actions (3) by REGISTERING TO VOTE and voting for Get The People Paid Slate Candidates who are backing ownership by the People of Our Public Transportation System (SEPTA), and Utilities such as the Philadelphia Gas Works (PGW) - Parental Governance of the Schools and (4) participating in meetings and demonstrations in support of these CROPÔ and STOP action programs!
Contact the CROP Action Team to get CROPÔ and STOP Petitions to make your voice heard in Harrisburg! Children work with your Parents to get them signed block-by-block. Check with your friends and form a team so that we can get the Petitions signed and back to Harrisburg. You may return the petitions to the Field House 29th and Chalmers one block north of 29th and Lehigh Avenue, Philadelphia, PA 19132. John Brickhouse, Coordinator for Franklin High School - Franklin Edison Community Association - Ralph Wynder, Coordinator for Dobbins High School - Dobbins Gratz Mansion Community Association. You may call us at 215.227.3622 or 267.237.5064 - Email Jasper Jones at crop_gospel@yahoo.com for additional information. We need paid members go to our web site http://www.croppgm.net and become a paid member of the CROP Action Team. Freedom has never been obtained for free; the struggle continues!
