Cooperative Banking, or the Vietnamese Banking model?

Some 20 years ago, I happened to be driving through the inner city suburb of Burnley, in Inner Melbourne. I noticed about 25 Asian men  leaving a small terrace in the early morning.  I wondered, What is going on here?
This seems like a large number of men in  just one small house.
After some enquiries. I discovered that in the Vietnamese world. If the men don’t have jobs and the banks aren’t keen to lend.
The men work a cooperative banking system. This is where they pool their social security payments each week. Then “Jackpot ” it once a year. The winner is required to employ one of the contributors in a business that he buys, say a hot bread business. Then each year the  pooling of contributions and the “Jackpot” is continued, until they all have a business.

In this manner they are running their own bank.
What has this got to do with  easy home renovating? Well, it just highlights the ability of some people to cooperate to achieve their goals. In Australia, after this latest banking crisis, Banks will be demanding tighter credit criteria. Options still exist like the “Shared Equity “Home Loan fron the Bendigo Bank.
Of course, there is so much more at the FREE ebook site

Renovating into the future home

Rather than worry constantly, about rising interest rates, government taxes, foreign wars or the price of gold. What can we see ahead for the prospects of profitable renovation? What can make it easy for home renovating?  What’s a man to do when the sharemarket is so volatile?

Here, I am noting that the corporate sector is making big investments. Bunnings have public plans to spend billions building new stores.  Reading today, that Bunnings is worth $8.6 billion to Wesfarmers, at the moment.  Metcash are taking over the Mitre 10 stores, for billions of  money. Woolworths are joint venturing with Lowes (USA Hardware stores) in order, to spend billions, building new hardware stores. Well, it looks like the big boys are spending up big on hardware for the home, gardening and renovating sector!!! As they say on CSI , follow the money trail of evidence.
For so much more try my FREE ebook!
Its easy, for those who are home renovating.

A BBQ work day, for home renovating?

This is when one invites 25 of your favourite pals around to assist on your home project.
I recall, working on one of these, we removed all the outside weatherboards, measured and nailed on all the new boards, and painted half the house. This was all done in ONE day. USUALLY, If the owner provides the lunch as the incentive.
Given we had twelve workers turn up, ALL this was achieved in ONE day, and we watched the football finals. It turned out easy.

This is hardly unique, as in the nineteen fifties, there was a severe building products and tradespersons shortage.
This was extremely popular.For more stuff try downloading  the FREE  ebook!!!
I predict it will be popular again.Why?, well the cost of new  home building is rising all the time as higher standards and environmental features are required. The older homes tend to be much  closer to good transport links.

In an ideal world, everyone participates in working around the entire group, over time. Thus everyone can benefit somwhat, equally.
Try it, its a great cost savings idea.!!! It can make life easy, for those home renovating!

More easy D.I.Y. in home renovating!!!

1    Kit homes, are one easy way to build your  home from scratch, at a much reduced cost. I certainly know some pals who have done this!!
2    The councils run some group building home projects. Where around four families get together to build their home as, a joint project.
3    D.I.Y. for  easywindows shutters kits, to get 50% off try internet direct, try, for example, www.portphillip.com.au
4    D.I.Y. buy your easy  decks and pergolas, direct from the internet and save 50% at www.decking-pergolas.com.au

5   Buy your vertical garden walls at a big discount, via internet direct, at www.gro-wall.com.au|

6    Buy your  easy pavers and tiles direct over the internet from www.trojanstone.com.au, and save heaps.

7   D.I.Y.  Organise your project, by “scrapbooking”, collecting ideas, from magazines, display home, building products brochures, property guides.
8   Save on line by buying your easy  garden sculptures, save 50%, at www.savvygarden.com.au|
9   If you are running a business, you might get a business discount card, for renovating materials at Bunnings, you can save up to 30% .|

Lots more at the FREE ebook site,it can make things easy for home renovating!

Home Renovating with Environmental Websites

While GOOGLE can find these for you. This is my list for  home portal sites.

www.buildingreenexpo.com.au
www.recyclingnearyou.com.au
www.enviroshop.com.au
www.ata.org.au
www.thegreendirectory.com.au
www.renew.com.au
www.resourcesmart.vic.gov.au
www.greencarcongress.com.au

for Energy rebates try, can one believe it, the government will pay you for home renovating for the environment, YES!!
www.dpi.vic.gov/energy
www.livinggreener.gov.au
www.resourcesmart.vic.gov.au
www.hotwaterrebate.com.au

for ENERGY environment  home renovating ideas try
www.sunpowerdesign.com.au

www.solarinverters.com.au
www.hillsolar.com.au
www.greenfrogsolar.com
www.ecoenergy.com.au
www.successfulsolarbooks.com
www.solazone.com.au

FOR water saving , home renovating ideas try

www.landscapetanks.com.au
www.biolytix.com
www.hotwaterrebate.com.au
www.savewater.com.au
www.nubian.com.au

Window protection , where one can lose /gain 40% of home energy.
www.inflector.com.au
www.stopnoise.com.au

www.clearcomfort.com
www.outdoorblinds.com.au
Lots more at FREE easy  ebook trry theweb site, apply!

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