Making Money Working

Immediately after the recession took a dramatic dive in
September 2008, the Bernanke Fed implemented a policy that continues to
further damage the incentive for banks to lend to businesses. On
October 6, 2008 the Fed's Board of Governors, chaired by Ben Bernanke,
announced it would begin paying interest on the reserve balances of
the nation's banks, major lenders to medium and small size businesses.

 

You don't need a Ph.D. economist to know that if you pay
banks ¼ percent risk free interest to hold reserves that they can obtain
at near zero interest, that would be an incentive to hold the
reserves. The Fed pumped out huge amounts of money, with the base of
the money supply more than doubling from August 2008 to August 2010,
reaching $1.99 trillion. Guess who has over half of this money parked
in cold storage? The banks have $1.085 trillion on reserves drawing
interest, The Fed records show they were paid $2.18 billion interest on
these reserves in 2009.

 

A number of people spoke
about the disincentive for bank lending embedded in this policy
including Chairman Bernanke.

 

***

 

Jim McTague, Washington Editor of Barrons,
wrote in his February 2, 2009 column, "Where's the Stimulus:"
"Increasing the supply of credit might help pump up spending, too.
University of Texas Professor Robert Auerbach an economist who studied
under the late Milton Friedman, thinks he has the makings of a
malpractice suit against Federal Reserve Chairman Ben Bernanke, as the
Fed is holding a record number of reserves: $901 billion in January as
opposed to $44 billion in September, when the Fed began paying interest
on money commercial banks parked at the central bank. The banks prefer
the sure rate of return they get by sitting in cash, not making loans.
Fed, stop paying, he says."

 

Shortly after this article appeared
Fed Chairman Bernanke explained: "Because banks should be unwilling to
lend reserves at a rate lower than they can receive from the Fed, the
interest rate the Fed pays on bank reserves should help to set a floor
on the overnight interest rate." (National Press Club, February 18,
2009) That was an admission that the Fed's payment of interest on
reserves did impair bank lending. Bernanke's rationale for interest
payments on reserves included preventing banks from lending at lower
interest rates. That is illogical at a time when the Fed's target
interest rate for federal funds, the small market for interbank loans,
was zero to a quarter of one percent. The banks would be unlikely to
lend at negative rates of interest -- paying people to take their money
-- even without the Fed paying the banks to hold reserves.

 

The next month William T. Gavin, an excellent economist at the St.
Louis Federal Reserve, wrote in its MarchApril 2009 publication:
"first, for the individual bank, the risk-free rate of ¼ percent must
be the bank's perception of its best investment opportunity."

 

The Bernanke Fed's policy was a repetition of what the Fed did in
1936 and 1937 which helped drive the country into a second depression.
Why does Chairman Bernanke, who has studied the Great Depression of
the 1930's and has surely read the classic 1963 account of improper
actions by the Fed on bank reserves described by Milton Friedman and
Anna Schwartz, repeat the mistaken policy?

As the
economy pulled out of the deep recession in 1936 the Fed Board thought
the U.S. banks had too much excess reserves, so they began to raise the
reserves banks were required to hold. In three steps from August 1936
to May 1937 they doubled the reserve requirements for the large banks
(13 percent to 26 percent of checkable deposits) and the country banks
(7 percent to 14 percent of checkable deposits).

 

Friedman and Schwartz ask: "why seek to immobilize reserves at that
time?" The economy went back into a deep depression. The Bernanke Fed's
2008 to 2010 policy also immobilizes the banking system's reserves
reducing the banks' incentive to make loans.

 

This is a bad policy even if the banks approve. The
correct policy now should be to slowly reduce the interest paid on
bank reserves to zero and simultaneously maintain a moderate increase
in the money supply by slowly raising the short term market interest
rate targeted by the Fed. Keeping the short term target
interest rate at zero causes many problems, not the least of which is
allowing banks to borrow at a zero interest rate and sit on their
reserves so they can receive billions in interest from the taxpayers
via the Fed. Business loans from banks are vital to the nations'
recovery.

The fact that the Fed is suppressing lending
and inflation at a time when it says it is trying to encourage both
shows that the Fed is saying one thing and doing something else
entirely.

I have previously pointed out numerous other ways in which the Fed is working against its stated goals, such as:

• Reinforcing cyclical trends (when one of the Fed's main justifications is providing a counter-cyclical balance);

• Increasing unemployment (when the Fed is mandated by law to maximize employment); and

• Encouraging financial companies to make even riskier gambles in the future (when it is supposed to stabilize the financial system).

And see this.

Postscript: If the Fed really wants to stimulate the economy, it should try Steve Keen's idea.

This guest post is by Roman from how this website makes money.

Two years ago I stumbled across the concept of blogging for money.  Instantly it hit me as the perfect thing: sit behind a computer, design a site, write, be my own boss, work from home, what could be better? I knew nothing about traffic, SEO, backlinks, Pagerank, or keywords.  I knew nothing about how to make money with a website.  So what did I do next?  I registered the domain name howthiswebsitemakesmoney.

Looking back all I can do is laugh at my arrogance.  Like thousands before me and thousands who will come after me, my first attempt at blogging was a site about making money online.

Two years later, I know how to start a site, I know how to write content, I know about SEO, I know about backlinks, I know how to add advertisements … but I still do not know how to make good money online.  The site makes dimes a day, not dollars.

The site has been two years of disappointment.  Two  years of waking up in the morning and seeing the same green egg in AdSense.  Two years of waiting for a four-digit affiliate check with my name on it.  Two years of working without pay.  Two years of scratching my head.

So I asked for advice, and every time the reply was the same: create a site about something else. Create a site about what you know and what you enjoy.  Do not create a site with the intent to make money, create a site with the intent to help people by doing something you enjoy doing.

What happened when I changed my intent

Six months ago I created a new site.  This time my intent was pure pleasure.

I live in Prague and I love it here.  So I made a little site about how great Prague is and what people should do when they come for a visit.  It was built in a month.  In a gust of activity I designed the site and wrote the content.

It was so easy.   I did not agonize over what to write about.  The content flowed effortlessly from my head to the keyboard.  I did not have to take long walks with the dog or waste water standing dazed in the shower coming up with new ideas.  I just sat down at the computer and wrote about what I know.  It was so easy I actually looked forward to it.

As an afterthought, I created a simple page where people can order a real postcard from Prague.  Visitors select a picture of Prague and fill out a form indicating what they want written on the postcard.  After they hit the Submit button I get the request by email.  I grab a postcard and, like an ancient scribe long before computers, lick the tip of the pen and write.  After pounding a Prague stamp on the postcard I toss it into the mailbox on my way to work. I charge $4.00 for this five minutes of work.

I created this site with no aspirations of becoming rich, no day dreams of shaking hands with Oprah, no imagined scenes of telling my employer to find some other donkey to kick around. I created the website because it was easy for me to do and I enjoyed it. I made it because I needed a break from my ‘real’ website. I expected nothing to happen.

Again, I was wrong.

My hand is ink blue from all the postcards I have written.

I wrote a postcard from a son playing a trick on his mother: “Hi, Mom!  Sorry for not calling in last few days.  But I am in Prague with friends.  Having a great time and the beer is sooo cheap.  Say hi to Dad.”

I have written postcards to countries all over the world.  Some of them in languages other then English—I have no idea what I am writing. Fortunately, the order form does not allow Chinese characters!

I get emails from people thanking me for the information they found on the site, thanking me for the postcard, asking for more information.

I feel like I am making the world a better place.  I made a website about something I know about and am interested in and people are thanking me. Emotionally it is a soft, warm, fuzzy ball.

And yes, I am making money.

Intend to enjoy and you might make money

I learned a lot about making money online not from my site about making money, but from licking postage stamps.

New arrivals to the make-money-online scene go through the same initiation—they start out with the intent to make money, then fail to make more then a pile of pennies.  For some it means the end and they quit, but for others this brutal introduction teaches them that their intent needs to change.

Of course, making money is about traffic, clicks, affiliates, backlinks SEO, but it’s also about finding something you enjoy doing.  If your intent is only to make money the odds are stacked against you: you will probably quit.  But if your intent is to do something you enjoy then you will keep moving forward until one day, you will be surprised to find that you are making money.

What’s your intent?

Roman intends to figure out how this website makes money.  He has been trying to do that for two long years, so when he needs a break and do something fun he goes onto his other website to send a real postcard to his mother who misses him very much.

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<b>News</b> And Notes: 11.29.2010 - Blueshirt Banter

News And Notes: 11.29.2010. ... News And Notes: 11.29.2010. Joe_2_tiny by Joe Fortunato on Nov 29, 2010 10:03 AM EST in Rangers Analysis � Tweet � 0 comments; Story-email Email; Printer Print ...

Fox <b>News</b> claims anti-fees protests were &quot;rebellion against big <b>...</b>

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personal finance budgeting

'Tis the holiday season, and for businesses that means considering how to indulge employees with vacation time, holiday parties and, the most loaded perk, holiday bonuses.

Holiday bonuses are a longtime tradition for industries like finance — think the big Wall Street firms that get Christmas bonuses the size of annual salaries — and the National Labor Relations Board has allowed unionized workers to make holiday bonuses a contractual obligation. But small businesses operate in a nebulous realm of personal discretion, where owners set their own precedent for holiday extras.

Owners can establish gifts around the holidays as an act of goodwill or as part of employees' pay package, says Harry Dannenberg, chairman of the New York City chapter of SCORE, a national nonprofit organization that offers small business counseling and advice. "It's such a personal issue that there's not a precedent for it," he says. "Different industries have different attitudes about it. If you're a mom-and-pop operation and you're part of a business family, you might have a more generous approach to the holidays than if you run a chain."

In a survey last December, Challenger, Gray & Christmas, an outplacement consulting firm, found that 64 percent of employers planned to give holiday bonuses, up from 54 percent in 2008, when most industries were strained by a bad economy. Greater economic conditions certainly play into whether to give a holiday bonus, Dannenberg says, but it's good form to show employees appreciation for a successful year. "If I had a good year and people worked very hard for me, I might make a statement of how grateful we all are by presenting them with a nice gift," he says. "But it's very individual, especially with small businesses, and how you relate to the people who work for you."

This year's holiday bonus will set the precedent for subsequent years', so structuring bonuses to be affordable yet considerate is key.

How to Structure a Holiday Bonus: Decide its Purpose

What role will a holiday bonus play in your overall, yearlong pay scheme? Is it a substitute for a year-end bonus? Is it a substantial contribution to annual pay? Or is it a token of holiday spirit?

If a business already pays a year-end bonus, a holiday bonus becomes more of a gift of appreciation than part of employees' annual pay and benefits package, Dannenberg says. "If you're in a business where you get year-end bonuses, usually Christmas becomes far less of a significant issue," he says. "If you're a clerk in the store and the owner wants to spread a little cheer and give some money, give families turkeys, it becomes a small thank-you. A big thank-you is a raise or a year-end bonus."

    Ben Hemminger, CEO of Fashionphile, a Beverly Hills company that sells second-hand luxury handbags, says he gives a year-end bonus around the holidays. The family-owned business has 11 employees, mostly part-timers, and the full-time employees "are all related to me," he says. Full-timers get a $500 check — taxes deducted and all — around the last week of December, and part-timers receive a $100 cash card. "There's probably a more intriguing way to do it," he says, "but everybody would rather have the money than something worth the money."

Dannenberg agrees that token thank-yous like cash cards belong at the general employee level, not the management level. "It should be given to employees who provide a service in a business," he says. "In something like auto repair or retail, it becomes more of a gesture of recognition of service."

How to Structure a Holiday Bonus: Budgeting the Bonus

Holiday bonuses meant as tokens of appreciation don't belong in a business plan, Dannenberg says. Rather, he suggests looking at revenue from the first 10 months of the year to decide how to approach bonuses each holiday season. "Say it was a good year, I made money, therefore, on the strength of that performance, I can give 'x,'" he says. But use generosity in moderation, Dannenberg warned. Being too generous in a good year could make for an embarrassing downgrade in a bad year.

Six-year-old Fashionphile spends a few thousand dollars on year-end bonuses and year-end gifts for its part-time employees, but Hemminger says everyone understands the bonus is a small token. "No one gets paid a whole lot to begin with, so it's not like we have high expectations," he says.

Start-up businesses should do some footwork before deciding how to approach bonuses, Dannenberg says. "The issue becomes what is the precedent," he says. "If I were starting a new business, I would go around and chat with other similar merchants to see what they do. Get a feel for how other people make that evaluation and judgment."

How to Structure a Holiday Bonus: Cash versus Gift

If a holiday bonus isn't an established part of annual pay, a gift is just as meaningful as a little cash — sometimes more so if the cash gift is going to be small. "You give someone a really small amount, it's insulting," Dannenberg says. "But give them a nice bottle of wine and something that costs $10, it's nice. With a nice note, it's an expression of thanks, a matter of holiday spirit and cheer."

Hemminger says he's considering giving employees gift cards for the three restaurants they go to for lunch every day — a tax-free and useful gift, he says.

Blurb, a San Francisco publishing company where authors design their books online, during the holidays fields orders from businesses making books for their employees as holiday gifts. The employer designs the book from size and shape to content — photos or photos and text. Square books start at around $13.

When Dannenberg owned a chain of six retail stores, around the holidays he would give employees a big basket filled with fruit and a turkey. "They grew to look forward to it and enjoy it," he says, adding, "I would stay away from giving money at Christmas because of the potential cost.

 "I'd go with a nice box of candy and a bottle of wine, something that you can have uniformity that everyone can enjoy."

So as you decide how to handle the holidays, keep in mind that whether it's cash or wine, to employees, it's your appreciation for their service that counts.

Conduct a Financial Fire Drill to Assess Financial Health

We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.

Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.

You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.

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Return to OregonLive later today for more from The Oregonian on the terrorist arrest.

bench craft company scam

'Tis the holiday season, and for businesses that means considering how to indulge employees with vacation time, holiday parties and, the most loaded perk, holiday bonuses.

Holiday bonuses are a longtime tradition for industries like finance — think the big Wall Street firms that get Christmas bonuses the size of annual salaries — and the National Labor Relations Board has allowed unionized workers to make holiday bonuses a contractual obligation. But small businesses operate in a nebulous realm of personal discretion, where owners set their own precedent for holiday extras.

Owners can establish gifts around the holidays as an act of goodwill or as part of employees' pay package, says Harry Dannenberg, chairman of the New York City chapter of SCORE, a national nonprofit organization that offers small business counseling and advice. "It's such a personal issue that there's not a precedent for it," he says. "Different industries have different attitudes about it. If you're a mom-and-pop operation and you're part of a business family, you might have a more generous approach to the holidays than if you run a chain."

In a survey last December, Challenger, Gray & Christmas, an outplacement consulting firm, found that 64 percent of employers planned to give holiday bonuses, up from 54 percent in 2008, when most industries were strained by a bad economy. Greater economic conditions certainly play into whether to give a holiday bonus, Dannenberg says, but it's good form to show employees appreciation for a successful year. "If I had a good year and people worked very hard for me, I might make a statement of how grateful we all are by presenting them with a nice gift," he says. "But it's very individual, especially with small businesses, and how you relate to the people who work for you."

This year's holiday bonus will set the precedent for subsequent years', so structuring bonuses to be affordable yet considerate is key.

How to Structure a Holiday Bonus: Decide its Purpose

What role will a holiday bonus play in your overall, yearlong pay scheme? Is it a substitute for a year-end bonus? Is it a substantial contribution to annual pay? Or is it a token of holiday spirit?

If a business already pays a year-end bonus, a holiday bonus becomes more of a gift of appreciation than part of employees' annual pay and benefits package, Dannenberg says. "If you're in a business where you get year-end bonuses, usually Christmas becomes far less of a significant issue," he says. "If you're a clerk in the store and the owner wants to spread a little cheer and give some money, give families turkeys, it becomes a small thank-you. A big thank-you is a raise or a year-end bonus."

    Ben Hemminger, CEO of Fashionphile, a Beverly Hills company that sells second-hand luxury handbags, says he gives a year-end bonus around the holidays. The family-owned business has 11 employees, mostly part-timers, and the full-time employees "are all related to me," he says. Full-timers get a $500 check — taxes deducted and all — around the last week of December, and part-timers receive a $100 cash card. "There's probably a more intriguing way to do it," he says, "but everybody would rather have the money than something worth the money."

Dannenberg agrees that token thank-yous like cash cards belong at the general employee level, not the management level. "It should be given to employees who provide a service in a business," he says. "In something like auto repair or retail, it becomes more of a gesture of recognition of service."

How to Structure a Holiday Bonus: Budgeting the Bonus

Holiday bonuses meant as tokens of appreciation don't belong in a business plan, Dannenberg says. Rather, he suggests looking at revenue from the first 10 months of the year to decide how to approach bonuses each holiday season. "Say it was a good year, I made money, therefore, on the strength of that performance, I can give 'x,'" he says. But use generosity in moderation, Dannenberg warned. Being too generous in a good year could make for an embarrassing downgrade in a bad year.

Six-year-old Fashionphile spends a few thousand dollars on year-end bonuses and year-end gifts for its part-time employees, but Hemminger says everyone understands the bonus is a small token. "No one gets paid a whole lot to begin with, so it's not like we have high expectations," he says.

Start-up businesses should do some footwork before deciding how to approach bonuses, Dannenberg says. "The issue becomes what is the precedent," he says. "If I were starting a new business, I would go around and chat with other similar merchants to see what they do. Get a feel for how other people make that evaluation and judgment."

How to Structure a Holiday Bonus: Cash versus Gift

If a holiday bonus isn't an established part of annual pay, a gift is just as meaningful as a little cash — sometimes more so if the cash gift is going to be small. "You give someone a really small amount, it's insulting," Dannenberg says. "But give them a nice bottle of wine and something that costs $10, it's nice. With a nice note, it's an expression of thanks, a matter of holiday spirit and cheer."

Hemminger says he's considering giving employees gift cards for the three restaurants they go to for lunch every day — a tax-free and useful gift, he says.

Blurb, a San Francisco publishing company where authors design their books online, during the holidays fields orders from businesses making books for their employees as holiday gifts. The employer designs the book from size and shape to content — photos or photos and text. Square books start at around $13.

When Dannenberg owned a chain of six retail stores, around the holidays he would give employees a big basket filled with fruit and a turkey. "They grew to look forward to it and enjoy it," he says, adding, "I would stay away from giving money at Christmas because of the potential cost.

 "I'd go with a nice box of candy and a bottle of wine, something that you can have uniformity that everyone can enjoy."

So as you decide how to handle the holidays, keep in mind that whether it's cash or wine, to employees, it's your appreciation for their service that counts.

Conduct a Financial Fire Drill to Assess Financial Health

We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.

Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.

You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.

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Real Estate <b>News</b>: Home Mortgage Rates Stabilize - Developments - WSJ

Here is a look at real-estate news in today's WSJ:

Last Look: Style <b>News</b> You Might Have Missed (PHOTOS, POLL)

Welcome to Last Look, where we round up the Style scraps that didn't make it to our news page this week. Click through and catch up on what else happened since Monday!

Portland terrorist bomb plot: <b>News</b>, opinion from The Oregonian and <b>...</b>

Return to OregonLive later today for more from The Oregonian on the terrorist arrest.

bench craft company scam

Real Estate <b>News</b>: Home Mortgage Rates Stabilize - Developments - WSJ

Here is a look at real-estate news in today's WSJ:

Last Look: Style <b>News</b> You Might Have Missed (PHOTOS, POLL)

Welcome to Last Look, where we round up the Style scraps that didn't make it to our news page this week. Click through and catch up on what else happened since Monday!

Portland terrorist bomb plot: <b>News</b>, opinion from The Oregonian and <b>...</b>

Return to OregonLive later today for more from The Oregonian on the terrorist arrest.

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Making Money With Youtube

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The Dallas Cowboys get some veterans back in practice, and Dez Bryant is a violent man.

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The second part of The Daily Beast's interview with Fox News president Roger Ailes is out today, and Ailes' encore doesn't disappoint. He responded harshly to Jon Stewart's pervasive criticism of cable news and had some tough, ...

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The second part of The Daily Beast's interview with Fox News president Roger Ailes is out today, and Ailes' encore doesn't disappoint. He responded harshly to Jon Stewart's pervasive criticism of cable news and had some tough, ...

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The Dallas Cowboys get some veterans back in practice, and Dez Bryant is a violent man.

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The second part of The Daily Beast's interview with Fox News president Roger Ailes is out today, and Ailes' encore doesn't disappoint. He responded harshly to Jon Stewart's pervasive criticism of cable news and had some tough, ...

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The Dallas Cowboys get some veterans back in practice, and Dez Bryant is a violent man.

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Making Money Your

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Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

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eric seiger
eric seiger

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Michelle Malkin » Sen. Rockefeller: One-Man Cable <b>News</b> Death Panel

Doesn't Rockefeller have a ton of money with which to develop his own network news operation if he wishes? Why doesn't he deploy his own capital and take the risk associated with free enterprise activities if he believes it is warranted ...

<b>News</b> Corp developing a tablet-exclusive publication

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personal finances help

Consumers bewildered by a rash of resetting rates on loans and various outstanding credit lines now have the same tools banks have to aggregate all their debt in one place, after free online personal finance tool Credit Sesame launched a beta version today to help users get a complete financial snapshot all in one place.

Previously only available to banks or brokers, Credit Sesame uses an in-house loan analytics engine to help users instantly view their credit and debt in one place, while monitoring and tracking often baffling financial information like their credit score, home value and debt-to-income ratio simultaneously.

The news that they can now take their finances fully into their own hands is part of a continuing trend of consumers sick of commercial banks pushing their own complementary loan products on them — or who may just be sick of their bank or broker all together.

Under the company’s system, users are first asked to register their portfolios using the same security technology and encryption methods as banks and financial institutions use, and then Credit Sesame automatically retrieves users’ relevant data like debt, credit, and mortgages so that they don’t have to enter their information manually.

They can then fiddle with Credit Sesame’s tools to set personal goal parameters; see and apply for a wide variety of loans that may fit their restructuring needs; and even create a “what if” scenario that allows them to view multiple scenarios for potential savings or loans based on changes to a user’s financial situation such as a divorce or a job loss.

By using complex algorithms and portfolio “depth” testing, the new beta site will now create 5,000 scenarios with thousands of lending products to help each user find the three best pre-qualified solutions—saving an average user hundreds of dollars a month as they streamline their finances via the web ecosphere.

“We find homeowners as much as $600 a month in savings through restructuring, refinancing and new pre-qualified low-interest loan offers,” said Adrian Nazari, CEO and founder of Credit Sesame. “That’s $7,200 of yearly savings. If that money was put toward debt repayment, imagine how much faster that loan would be paid off and how much money would be saved. The opportunities are out there.”

Since launching to private testers in September, Credit Sesame currently manages $250 million in loans and has generated more than $18 million in lifetime savings for its users.

Once registered, the site will continue delivering a free monthly credit score and instant alerts when more optimal savings opportunities become available.

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The Asian Development Bank has roped in the European Investment Bank to invest in large-scale solar power plants in India. The ADB is committed to arrange finances for India’s ambitious National Solar Mission projects.

The Asian Development Bank has been working closely with many Asian countries to provide them financial, technical and policy-related support for expanding solar energy infrastructure. The ADB is playing an active role in India to make solar energy more popular. In addition to the European Investment Bank, the ADB has also attracted funding from the US Import-Export Bank and Germany’s KWF.

Under the National Solar Mission, India plans to install 20,000 MW solar-based power generation capacity by 2022. The current install capacity is a dismal 14 MW. The 20,000 MW capacity also includes the off-grid rural power plants. In order to rapidly increase the installed capacity the Indian government has announced two massive solar farm projects, one each in Rajasthan and Gujarat.

Both these states are blessed with substantially high solar radiation resource and also have large areas of unused lands due to lower agricultural land use. Rajasthan has the vast Thar desert while Gujarat has vast wastelands in the west. Gujarat has set aside 2,500 hectare for a 1,000 MW plant while Rajasthan has set aside 8,000 hectare for a 3,000 MW plant. Construction of these plants is expected to start after 2013, that is, during the second phase of the National Solar Mission.

The ADB is also supporting the project developers who intend to set up power plants during the first phase. The first phase aims at installing 1,1o0 MW by 2013; ADB will support 350 MW of these installations. The smaller power plants have been provided with 50 percent loan guarantees and project developers will also provided direct loans.

The Asian Development Bank has been working closely with several ministries of the Indian government to devise overall policies and logistical support mechanism in order to make the solar energy projects commercially viable. The bank would also provide capital grants to cover up the difference between the cost of solar power generation and the average cost of generation from conventional sources.

Such collaborations with international funding agencies help in bridging the financial gap that exists for any new renewable energy technologies. In the absence of a clear agreement on international funding as part of an international climate change treaty, such partnerships with European and American banks helps in the quick implementation of these clean technology projects in the developing countries.

Image: technicolorcavalry/Flickr/CC

The views presented in the above article are author’s personal views and do not represent those of TERI/TERI University where the author is currently pursuing a Master’s degree.

Follow Mridul Chadha on Twitter and Facebook

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Make Making Money

About a third of the top grossing apps in the Apple App Store are now making their money through the sale of virtual goods within the application after being free to download, according to research done by tech blog GigaOm.

The free-to-play model has so far served as a good way to entice users with free apps and then make money off the sale of virtual goods. Apple finally caved to developers and created a system to allow iPhone, iPod Touch and iPad users to make purchases from within apps last fall. The design allows developers to create a free app and then get the user to purchase a very cheap virtual good, such as a better weapon in a game. It then becomes much easier to convert a non-paying user into a paying one.

Freemium applications are making a good bit of money. In January, mobile analytics firm Flurry said that the freemium games it tracked generated revenues of $9 per user per year, on average. In June, that number had risen to $14.66 per user per year. Previously, these games were generating around 99 cents to $1.99 per user per year. 34 of the top 100 apps are free, but make their money through in-app purchases of mostly virtual currencies as well as other premium features, according to GigaOm’s report.

Apple takes a 30 percent cut of all purchases made within applications. That’s the same amount that Facebook, another large host of social games (including Zynga’s Farmville), charges its game partners.

Apple’s App Store now has around 300,000 apps for sale and for free download. And the App Store is growing by around 1,000 apps every day. The Android marketplace, which has applications for phones running on Google’s Android operating system, only has around 113,000 applications according to some metrics.

Score another one for social games developer Zynga, which first brought the freemium model to the forefront as a significant source of revenue for games and other applications. Its games have become insanely popular, and the company is now worth as much as Electronic Arts — one of the largest publishers in the world — by some metrics from its virtual good sales alone.

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If you ever believed that social media really could help make a difference in the world, then we’ve got some great news for you.

If it wasn’t for just one social initiative, people in need in the U.S. would have missed out on 332,000 meals, 94,000 trees would not have been planted, more than 45 million liters of clean water would not have been provided in developing countries, 39,000 books would not have been donated and 190 cruelly treated animals would not have been rescued and rehabilitated.

So what was it that enabled these various charitable acts? A free mobile phone application that started life as a trial project called “CauseWorld.”

CauseWorld’s Impact

CauseWorld, available as a free download for both iPhones and Android devices, was shopkick’s trial application to test the waters in the company’s “mobile meets retail” efforts, but has become a surprise success story. It shows the promising future the “charity checkin” has in the rapidly growing location-based application arena.

In late September, shopkick announced that users of its CauseWorld mobile application had hit the $1 million milestone in charity donations since its December 2009 release. In fact, shopkick claims CauseWorld stands as the fastest-growing location-based application with 550,000 downloads in its first five months.

CauseWorld works by allowing users to earn “karma points” by checking in to locations. These points can be stored up until the user has enough to donate a lump sum of them to a charity of their choosing, at which point they get a badge. For example, one “karma” will see Carbonfund.org offset two pounds of carbon emissions, while 100 “karmas” will mean the Jane Goodall Institute can buy a pound of food for chimps in the Congo.

The American Red Cross, American Humane Association, Feeding America, Heroes at Home, LiveStrong by Lance Armstrong, National Breast Cancer Foundation, Prevent Child Abuse America, and Room to Read are just some of the charities that can benefit from the program. We spoke to a few of the charities involved to find out about CauseWorld’s impact.

“Feeding America is very grateful to Causeworld, not only for the much needed funds that it will raise, but also for making more people aware of the existence of hunger in America and the need to help feed our neighbors in this time of great need,” Ross Fraser, news bureau and media relations manager for Feeding America tells us.

Meanwhile, the American Humane Association’s director of interactive media Andrea Palten is excited about the future for this area.

“American Humane Association is currently one of the charities on the CauseWorld mobile application. We utilize mobile apps to raise awareness and speak out for the protection of children and animals. Location-based checkins are a great way to raise funds. It’s fairly new so people get excited about it. It is a creative way to get the word out and make it fun for someone to give back. I am really excited to work with more location-based checkin applications in the future.”

Co-founder and CEO of CauseWorld, Cyriac Roeding, says of the app: “It has grown so much faster than other location-based applications because the checkin actually means something: Every checkin changes the world.”

Foursquare, Gowalla and Loopt’s Efforts

The big players in the location-based app industry — Foursquare, Gowalla and Loopt — have been involved with charity checkins in the past, raising money and awareness for good causes.

Loopt’s example is interesting. In addition to a special one-off Macworld charity checkin that raised money for Haiti, Loopt donated $1 to the same cause for every checkin logged at a Whole Foods, Chipotle Grill and Panera Bread location for a set period in February. The result? Checkins at those locations rose an average of 200%.

Foursquare also took advantage of an industry gathering to raise money through checkins. Its Bing and PayPal-backed “Check-in for Charity” campaign at SXSW 2010 raised $15,000 for the Save the Children Haiti Relief Fund.

Earlier in the year, New Yorkers on Foursquare could help raise funds for CampInteractive through a charity checkin, while Foursquare also teamed up with Earthjustice using posters as checkin points to raise money to help protect wildlife.

In addition to raising $15,000 for the American Red Cross with one day of special events in San Francisco, Gowalla also used SXSW as a venue to raise money. Everyone who checked in at the Gowalla Tiki Room got a virtual LIVESTRONG bracelet item. When attendees added the bracelet to their collection, Gowalla donated $1 to LIVESTRONG. 

Looking to the future, Gowalla has just announced a new “Volunteer and Service” category in its events section, which means users will be able to create a spot, check in and get a custom stamp for their Gowalla Passport. 

“People understand that the social web is changing how we drive movements and causes in the real world. Gowalla inspires people to share and discover the world with their friends online and off,” says Gowalla CEO and co-founder Josh Williams.

“Our recent partnerships with non-profit organizations, coupled with the ability to add your own volunteer and service events, empowers the Gowalla community to change the world. By coming together around important issues with services like Gowalla, voices are being heard locally, nationally and internationally.”

Facebook Places as the New Kid on the Block/>

It seems that social good newcomer Facebook Places looks to be blazing a real trail with charity-specific checkin deals that aim to have nearly half a million dollars donated to good causes over the next few months.

A Facebook spokesperson told Mashable: “Facebook is changing how people and organizations positively impact the world and support diverse causes by providing a place to gather and express sentiment, mobilize actions and even raise or donate money. Through a series of features — including Groups, Pages, Apps, events and now Deals — Facebook is helping organizations to generate awareness and action both online and offline.”

Current charity-related Facebook checkin deals include:

24 Hour Fitness/> 24 Hour Fitness will donate $1 to playground-building charity KaBOOM! for every person who checks in across all U.S. club locations. (Up to $50,000 until December 15)

McDonald’s/> Every McDonald’s in the U.S. will give $1 to the Ronald McDonald House for every check in. (Until $50,000 worth of deals have been claimed.)

The North Face/> The North Face will donate $1 to the National Park Foundation for every checkin at one of America’s nearly 400 national parks or any U.S. The North Face retail location. (Up to $150,000)

REI/> Each time you check in at one of the 114 REI stores, REI will donate $1 to a local non-profit. (Up to $100,000)

While the results of the deals above are yet to be fully realized, Conservation International appears pleased with its recent Facebook Places/Starbucks team-up, where $1 goes to the charity for every checkin.

“Working with established partners on location-based fundraising makes a lot of sense for Conservation International and our current partnership with Starbucks is a perfect example,” says Angela Prosek, director of corporate relations for the organization. “We are able to leverage Starbucks’ brand recognition to raise awareness of our own work — and donations. Meanwhile, Starbucks is able to engage consumers and raise awareness of their substantial environmental commitments.”

It’s not just the financial side that the charity values. A program like this is able to generate a lot of exposure for the organization: “This type of immediate, in-your-face technology creates a captive audience,” Prosek says. “When your message about the importance of saving forests dominates a user’s smartphone screen, that’s a powerful thing.”

Looking to the Future/>

The ultimate success of these initiatives depends not only on the willingness of businesses to donate, but the willingness of consumers to check in and take the time to check out the options.

We spoke to two consumers to try and gauge reaction to location-based fundraising.

“CauseWorld makes me feel like I’m doing some good in the world every day. I don’t have much money to give to charity these days, like most people, so having a chance to direct money to some really important causes means a lot to me,” CauseWorld user Cathy S. tells us.

“I keep the CauseWorld app on my home screen so I won’t forget to check in as many times a day as possible,” Cathy continues. “And yes, I actually have bought some of the items you can scan in grocery and drug stores because I saw them in the app; food items were the most effective for me, so I hope that Kraft or another company will get back on board.”

Avid Facebook and Foursquare user Sean Hannam is the perfect target audience for a charitable checkin. We asked him whether he would be interested in checking in for charity.

“I think it sounds like a good idea — more and more places like pubs and restaurants are linking up with applications such as Foursquare to offer users deals and offers,” Hannam says.

“The charity angle has got to be a good thing, as it gives people a reason to check in somewhere — and makes them feel they are doing their bit for a worthwhile cause. I think there are lots of possibilities with location data checkin apps — developers and venues are only scratching the surface.”

Conclusion/>

As we wait and see what becomes of the donation-focused charity checkin, we’re excited to see that companies, such as McKinney, are coming up with clever ideas that use location-based services to get consumers thinking about issues.

McKinney’s creative use of Foursquare has recently seen the Urban Ministries of Durham (a North Carolina non-profit organization providing food, shelter and clothing to the city’s homeless) set up venues on Foursquare that highlight the kind of grim areas — like abandoned warehouses, dumpsters and construction sites — where the homeless are forced to find food and shelter. Hopefully seeing these locations on smartphone screens jolts consumers out of complacency as they go about their city.

Whether this conscience-bothering model will be more effective, or the charity checkin will take off, it’s clear to us that there’s plenty of potential for social good in the future of location-based social services.

Do checkins have the potential to change social good? Can it help bridge the gap between social media and the real world? Will you sign up for CauseWorld? Let us know in the comments below.

More Social Good Resources from Mashable:

- 10 Inspiring “Buy One Give One” Projects/> - 4 Real Challenges to Crowdsourcing for Social Good/> - 9 Creative Social Good Campaigns Worth Recognizing/> - 5 Easy Ways to Support a Cause Through Your Social Network/> - 10 Ways to Start a Fund for Social Good Online

Images courtesy of iStockphoto, PeskyMonkey and John Haydon

For more Social Good coverage:

class="f-el">class="cov-twit">Follow Mashable Social Goodclass="s-el">class="cov-rss">Subscribe to the Social Good channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

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About a third of the top grossing apps in the Apple App Store are now making their money through the sale of virtual goods within the application after being free to download, according to research done by tech blog GigaOm.

The free-to-play model has so far served as a good way to entice users with free apps and then make money off the sale of virtual goods. Apple finally caved to developers and created a system to allow iPhone, iPod Touch and iPad users to make purchases from within apps last fall. The design allows developers to create a free app and then get the user to purchase a very cheap virtual good, such as a better weapon in a game. It then becomes much easier to convert a non-paying user into a paying one.

Freemium applications are making a good bit of money. In January, mobile analytics firm Flurry said that the freemium games it tracked generated revenues of $9 per user per year, on average. In June, that number had risen to $14.66 per user per year. Previously, these games were generating around 99 cents to $1.99 per user per year. 34 of the top 100 apps are free, but make their money through in-app purchases of mostly virtual currencies as well as other premium features, according to GigaOm’s report.

Apple takes a 30 percent cut of all purchases made within applications. That’s the same amount that Facebook, another large host of social games (including Zynga’s Farmville), charges its game partners.

Apple’s App Store now has around 300,000 apps for sale and for free download. And the App Store is growing by around 1,000 apps every day. The Android marketplace, which has applications for phones running on Google’s Android operating system, only has around 113,000 applications according to some metrics.

Score another one for social games developer Zynga, which first brought the freemium model to the forefront as a significant source of revenue for games and other applications. Its games have become insanely popular, and the company is now worth as much as Electronic Arts — one of the largest publishers in the world — by some metrics from its virtual good sales alone.

Next Story: Microsoft and Cisco throw down the gauntlet for living room teleconferencing Previous Story: Nintendo: the gaming landscape has changed forever, but console’s are doing just fine

If you ever believed that social media really could help make a difference in the world, then we’ve got some great news for you.

If it wasn’t for just one social initiative, people in need in the U.S. would have missed out on 332,000 meals, 94,000 trees would not have been planted, more than 45 million liters of clean water would not have been provided in developing countries, 39,000 books would not have been donated and 190 cruelly treated animals would not have been rescued and rehabilitated.

So what was it that enabled these various charitable acts? A free mobile phone application that started life as a trial project called “CauseWorld.”

CauseWorld’s Impact

CauseWorld, available as a free download for both iPhones and Android devices, was shopkick’s trial application to test the waters in the company’s “mobile meets retail” efforts, but has become a surprise success story. It shows the promising future the “charity checkin” has in the rapidly growing location-based application arena.

In late September, shopkick announced that users of its CauseWorld mobile application had hit the $1 million milestone in charity donations since its December 2009 release. In fact, shopkick claims CauseWorld stands as the fastest-growing location-based application with 550,000 downloads in its first five months.

CauseWorld works by allowing users to earn “karma points” by checking in to locations. These points can be stored up until the user has enough to donate a lump sum of them to a charity of their choosing, at which point they get a badge. For example, one “karma” will see Carbonfund.org offset two pounds of carbon emissions, while 100 “karmas” will mean the Jane Goodall Institute can buy a pound of food for chimps in the Congo.

The American Red Cross, American Humane Association, Feeding America, Heroes at Home, LiveStrong by Lance Armstrong, National Breast Cancer Foundation, Prevent Child Abuse America, and Room to Read are just some of the charities that can benefit from the program. We spoke to a few of the charities involved to find out about CauseWorld’s impact.

“Feeding America is very grateful to Causeworld, not only for the much needed funds that it will raise, but also for making more people aware of the existence of hunger in America and the need to help feed our neighbors in this time of great need,” Ross Fraser, news bureau and media relations manager for Feeding America tells us.

Meanwhile, the American Humane Association’s director of interactive media Andrea Palten is excited about the future for this area.

“American Humane Association is currently one of the charities on the CauseWorld mobile application. We utilize mobile apps to raise awareness and speak out for the protection of children and animals. Location-based checkins are a great way to raise funds. It’s fairly new so people get excited about it. It is a creative way to get the word out and make it fun for someone to give back. I am really excited to work with more location-based checkin applications in the future.”

Co-founder and CEO of CauseWorld, Cyriac Roeding, says of the app: “It has grown so much faster than other location-based applications because the checkin actually means something: Every checkin changes the world.”

Foursquare, Gowalla and Loopt’s Efforts

The big players in the location-based app industry — Foursquare, Gowalla and Loopt — have been involved with charity checkins in the past, raising money and awareness for good causes.

Loopt’s example is interesting. In addition to a special one-off Macworld charity checkin that raised money for Haiti, Loopt donated $1 to the same cause for every checkin logged at a Whole Foods, Chipotle Grill and Panera Bread location for a set period in February. The result? Checkins at those locations rose an average of 200%.

Foursquare also took advantage of an industry gathering to raise money through checkins. Its Bing and PayPal-backed “Check-in for Charity” campaign at SXSW 2010 raised $15,000 for the Save the Children Haiti Relief Fund.

Earlier in the year, New Yorkers on Foursquare could help raise funds for CampInteractive through a charity checkin, while Foursquare also teamed up with Earthjustice using posters as checkin points to raise money to help protect wildlife.

In addition to raising $15,000 for the American Red Cross with one day of special events in San Francisco, Gowalla also used SXSW as a venue to raise money. Everyone who checked in at the Gowalla Tiki Room got a virtual LIVESTRONG bracelet item. When attendees added the bracelet to their collection, Gowalla donated $1 to LIVESTRONG. 

Looking to the future, Gowalla has just announced a new “Volunteer and Service” category in its events section, which means users will be able to create a spot, check in and get a custom stamp for their Gowalla Passport. 

“People understand that the social web is changing how we drive movements and causes in the real world. Gowalla inspires people to share and discover the world with their friends online and off,” says Gowalla CEO and co-founder Josh Williams.

“Our recent partnerships with non-profit organizations, coupled with the ability to add your own volunteer and service events, empowers the Gowalla community to change the world. By coming together around important issues with services like Gowalla, voices are being heard locally, nationally and internationally.”

Facebook Places as the New Kid on the Block/>

It seems that social good newcomer Facebook Places looks to be blazing a real trail with charity-specific checkin deals that aim to have nearly half a million dollars donated to good causes over the next few months.

A Facebook spokesperson told Mashable: “Facebook is changing how people and organizations positively impact the world and support diverse causes by providing a place to gather and express sentiment, mobilize actions and even raise or donate money. Through a series of features — including Groups, Pages, Apps, events and now Deals — Facebook is helping organizations to generate awareness and action both online and offline.”

Current charity-related Facebook checkin deals include:

24 Hour Fitness/> 24 Hour Fitness will donate $1 to playground-building charity KaBOOM! for every person who checks in across all U.S. club locations. (Up to $50,000 until December 15)

McDonald’s/> Every McDonald’s in the U.S. will give $1 to the Ronald McDonald House for every check in. (Until $50,000 worth of deals have been claimed.)

The North Face/> The North Face will donate $1 to the National Park Foundation for every checkin at one of America’s nearly 400 national parks or any U.S. The North Face retail location. (Up to $150,000)

REI/> Each time you check in at one of the 114 REI stores, REI will donate $1 to a local non-profit. (Up to $100,000)

While the results of the deals above are yet to be fully realized, Conservation International appears pleased with its recent Facebook Places/Starbucks team-up, where $1 goes to the charity for every checkin.

“Working with established partners on location-based fundraising makes a lot of sense for Conservation International and our current partnership with Starbucks is a perfect example,” says Angela Prosek, director of corporate relations for the organization. “We are able to leverage Starbucks’ brand recognition to raise awareness of our own work — and donations. Meanwhile, Starbucks is able to engage consumers and raise awareness of their substantial environmental commitments.”

It’s not just the financial side that the charity values. A program like this is able to generate a lot of exposure for the organization: “This type of immediate, in-your-face technology creates a captive audience,” Prosek says. “When your message about the importance of saving forests dominates a user’s smartphone screen, that’s a powerful thing.”

Looking to the Future/>

The ultimate success of these initiatives depends not only on the willingness of businesses to donate, but the willingness of consumers to check in and take the time to check out the options.

We spoke to two consumers to try and gauge reaction to location-based fundraising.

“CauseWorld makes me feel like I’m doing some good in the world every day. I don’t have much money to give to charity these days, like most people, so having a chance to direct money to some really important causes means a lot to me,” CauseWorld user Cathy S. tells us.

“I keep the CauseWorld app on my home screen so I won’t forget to check in as many times a day as possible,” Cathy continues. “And yes, I actually have bought some of the items you can scan in grocery and drug stores because I saw them in the app; food items were the most effective for me, so I hope that Kraft or another company will get back on board.”

Avid Facebook and Foursquare user Sean Hannam is the perfect target audience for a charitable checkin. We asked him whether he would be interested in checking in for charity.

“I think it sounds like a good idea — more and more places like pubs and restaurants are linking up with applications such as Foursquare to offer users deals and offers,” Hannam says.

“The charity angle has got to be a good thing, as it gives people a reason to check in somewhere — and makes them feel they are doing their bit for a worthwhile cause. I think there are lots of possibilities with location data checkin apps — developers and venues are only scratching the surface.”

Conclusion/>

As we wait and see what becomes of the donation-focused charity checkin, we’re excited to see that companies, such as McKinney, are coming up with clever ideas that use location-based services to get consumers thinking about issues.

McKinney’s creative use of Foursquare has recently seen the Urban Ministries of Durham (a North Carolina non-profit organization providing food, shelter and clothing to the city’s homeless) set up venues on Foursquare that highlight the kind of grim areas — like abandoned warehouses, dumpsters and construction sites — where the homeless are forced to find food and shelter. Hopefully seeing these locations on smartphone screens jolts consumers out of complacency as they go about their city.

Whether this conscience-bothering model will be more effective, or the charity checkin will take off, it’s clear to us that there’s plenty of potential for social good in the future of location-based social services.

Do checkins have the potential to change social good? Can it help bridge the gap between social media and the real world? Will you sign up for CauseWorld? Let us know in the comments below.

More Social Good Resources from Mashable:

- 10 Inspiring “Buy One Give One” Projects/> - 4 Real Challenges to Crowdsourcing for Social Good/> - 9 Creative Social Good Campaigns Worth Recognizing/> - 5 Easy Ways to Support a Cause Through Your Social Network/> - 10 Ways to Start a Fund for Social Good Online

Images courtesy of iStockphoto, PeskyMonkey and John Haydon

For more Social Good coverage:

class="f-el">class="cov-twit">Follow Mashable Social Goodclass="s-el">class="cov-rss">Subscribe to the Social Good channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

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NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

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Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

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Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

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About a third of the top grossing apps in the Apple App Store are now making their money through the sale of virtual goods within the application after being free to download, according to research done by tech blog GigaOm.

The free-to-play model has so far served as a good way to entice users with free apps and then make money off the sale of virtual goods. Apple finally caved to developers and created a system to allow iPhone, iPod Touch and iPad users to make purchases from within apps last fall. The design allows developers to create a free app and then get the user to purchase a very cheap virtual good, such as a better weapon in a game. It then becomes much easier to convert a non-paying user into a paying one.

Freemium applications are making a good bit of money. In January, mobile analytics firm Flurry said that the freemium games it tracked generated revenues of $9 per user per year, on average. In June, that number had risen to $14.66 per user per year. Previously, these games were generating around 99 cents to $1.99 per user per year. 34 of the top 100 apps are free, but make their money through in-app purchases of mostly virtual currencies as well as other premium features, according to GigaOm’s report.

Apple takes a 30 percent cut of all purchases made within applications. That’s the same amount that Facebook, another large host of social games (including Zynga’s Farmville), charges its game partners.

Apple’s App Store now has around 300,000 apps for sale and for free download. And the App Store is growing by around 1,000 apps every day. The Android marketplace, which has applications for phones running on Google’s Android operating system, only has around 113,000 applications according to some metrics.

Score another one for social games developer Zynga, which first brought the freemium model to the forefront as a significant source of revenue for games and other applications. Its games have become insanely popular, and the company is now worth as much as Electronic Arts — one of the largest publishers in the world — by some metrics from its virtual good sales alone.

Next Story: Microsoft and Cisco throw down the gauntlet for living room teleconferencing Previous Story: Nintendo: the gaming landscape has changed forever, but console’s are doing just fine

If you ever believed that social media really could help make a difference in the world, then we’ve got some great news for you.

If it wasn’t for just one social initiative, people in need in the U.S. would have missed out on 332,000 meals, 94,000 trees would not have been planted, more than 45 million liters of clean water would not have been provided in developing countries, 39,000 books would not have been donated and 190 cruelly treated animals would not have been rescued and rehabilitated.

So what was it that enabled these various charitable acts? A free mobile phone application that started life as a trial project called “CauseWorld.”

CauseWorld’s Impact

CauseWorld, available as a free download for both iPhones and Android devices, was shopkick’s trial application to test the waters in the company’s “mobile meets retail” efforts, but has become a surprise success story. It shows the promising future the “charity checkin” has in the rapidly growing location-based application arena.

In late September, shopkick announced that users of its CauseWorld mobile application had hit the $1 million milestone in charity donations since its December 2009 release. In fact, shopkick claims CauseWorld stands as the fastest-growing location-based application with 550,000 downloads in its first five months.

CauseWorld works by allowing users to earn “karma points” by checking in to locations. These points can be stored up until the user has enough to donate a lump sum of them to a charity of their choosing, at which point they get a badge. For example, one “karma” will see Carbonfund.org offset two pounds of carbon emissions, while 100 “karmas” will mean the Jane Goodall Institute can buy a pound of food for chimps in the Congo.

The American Red Cross, American Humane Association, Feeding America, Heroes at Home, LiveStrong by Lance Armstrong, National Breast Cancer Foundation, Prevent Child Abuse America, and Room to Read are just some of the charities that can benefit from the program. We spoke to a few of the charities involved to find out about CauseWorld’s impact.

“Feeding America is very grateful to Causeworld, not only for the much needed funds that it will raise, but also for making more people aware of the existence of hunger in America and the need to help feed our neighbors in this time of great need,” Ross Fraser, news bureau and media relations manager for Feeding America tells us.

Meanwhile, the American Humane Association’s director of interactive media Andrea Palten is excited about the future for this area.

“American Humane Association is currently one of the charities on the CauseWorld mobile application. We utilize mobile apps to raise awareness and speak out for the protection of children and animals. Location-based checkins are a great way to raise funds. It’s fairly new so people get excited about it. It is a creative way to get the word out and make it fun for someone to give back. I am really excited to work with more location-based checkin applications in the future.”

Co-founder and CEO of CauseWorld, Cyriac Roeding, says of the app: “It has grown so much faster than other location-based applications because the checkin actually means something: Every checkin changes the world.”

Foursquare, Gowalla and Loopt’s Efforts

The big players in the location-based app industry — Foursquare, Gowalla and Loopt — have been involved with charity checkins in the past, raising money and awareness for good causes.

Loopt’s example is interesting. In addition to a special one-off Macworld charity checkin that raised money for Haiti, Loopt donated $1 to the same cause for every checkin logged at a Whole Foods, Chipotle Grill and Panera Bread location for a set period in February. The result? Checkins at those locations rose an average of 200%.

Foursquare also took advantage of an industry gathering to raise money through checkins. Its Bing and PayPal-backed “Check-in for Charity” campaign at SXSW 2010 raised $15,000 for the Save the Children Haiti Relief Fund.

Earlier in the year, New Yorkers on Foursquare could help raise funds for CampInteractive through a charity checkin, while Foursquare also teamed up with Earthjustice using posters as checkin points to raise money to help protect wildlife.

In addition to raising $15,000 for the American Red Cross with one day of special events in San Francisco, Gowalla also used SXSW as a venue to raise money. Everyone who checked in at the Gowalla Tiki Room got a virtual LIVESTRONG bracelet item. When attendees added the bracelet to their collection, Gowalla donated $1 to LIVESTRONG. 

Looking to the future, Gowalla has just announced a new “Volunteer and Service” category in its events section, which means users will be able to create a spot, check in and get a custom stamp for their Gowalla Passport. 

“People understand that the social web is changing how we drive movements and causes in the real world. Gowalla inspires people to share and discover the world with their friends online and off,” says Gowalla CEO and co-founder Josh Williams.

“Our recent partnerships with non-profit organizations, coupled with the ability to add your own volunteer and service events, empowers the Gowalla community to change the world. By coming together around important issues with services like Gowalla, voices are being heard locally, nationally and internationally.”

Facebook Places as the New Kid on the Block/>

It seems that social good newcomer Facebook Places looks to be blazing a real trail with charity-specific checkin deals that aim to have nearly half a million dollars donated to good causes over the next few months.

A Facebook spokesperson told Mashable: “Facebook is changing how people and organizations positively impact the world and support diverse causes by providing a place to gather and express sentiment, mobilize actions and even raise or donate money. Through a series of features — including Groups, Pages, Apps, events and now Deals — Facebook is helping organizations to generate awareness and action both online and offline.”

Current charity-related Facebook checkin deals include:

24 Hour Fitness/> 24 Hour Fitness will donate $1 to playground-building charity KaBOOM! for every person who checks in across all U.S. club locations. (Up to $50,000 until December 15)

McDonald’s/> Every McDonald’s in the U.S. will give $1 to the Ronald McDonald House for every check in. (Until $50,000 worth of deals have been claimed.)

The North Face/> The North Face will donate $1 to the National Park Foundation for every checkin at one of America’s nearly 400 national parks or any U.S. The North Face retail location. (Up to $150,000)

REI/> Each time you check in at one of the 114 REI stores, REI will donate $1 to a local non-profit. (Up to $100,000)

While the results of the deals above are yet to be fully realized, Conservation International appears pleased with its recent Facebook Places/Starbucks team-up, where $1 goes to the charity for every checkin.

“Working with established partners on location-based fundraising makes a lot of sense for Conservation International and our current partnership with Starbucks is a perfect example,” says Angela Prosek, director of corporate relations for the organization. “We are able to leverage Starbucks’ brand recognition to raise awareness of our own work — and donations. Meanwhile, Starbucks is able to engage consumers and raise awareness of their substantial environmental commitments.”

It’s not just the financial side that the charity values. A program like this is able to generate a lot of exposure for the organization: “This type of immediate, in-your-face technology creates a captive audience,” Prosek says. “When your message about the importance of saving forests dominates a user’s smartphone screen, that’s a powerful thing.”

Looking to the Future/>

The ultimate success of these initiatives depends not only on the willingness of businesses to donate, but the willingness of consumers to check in and take the time to check out the options.

We spoke to two consumers to try and gauge reaction to location-based fundraising.

“CauseWorld makes me feel like I’m doing some good in the world every day. I don’t have much money to give to charity these days, like most people, so having a chance to direct money to some really important causes means a lot to me,” CauseWorld user Cathy S. tells us.

“I keep the CauseWorld app on my home screen so I won’t forget to check in as many times a day as possible,” Cathy continues. “And yes, I actually have bought some of the items you can scan in grocery and drug stores because I saw them in the app; food items were the most effective for me, so I hope that Kraft or another company will get back on board.”

Avid Facebook and Foursquare user Sean Hannam is the perfect target audience for a charitable checkin. We asked him whether he would be interested in checking in for charity.

“I think it sounds like a good idea — more and more places like pubs and restaurants are linking up with applications such as Foursquare to offer users deals and offers,” Hannam says.

“The charity angle has got to be a good thing, as it gives people a reason to check in somewhere — and makes them feel they are doing their bit for a worthwhile cause. I think there are lots of possibilities with location data checkin apps — developers and venues are only scratching the surface.”

Conclusion/>

As we wait and see what becomes of the donation-focused charity checkin, we’re excited to see that companies, such as McKinney, are coming up with clever ideas that use location-based services to get consumers thinking about issues.

McKinney’s creative use of Foursquare has recently seen the Urban Ministries of Durham (a North Carolina non-profit organization providing food, shelter and clothing to the city’s homeless) set up venues on Foursquare that highlight the kind of grim areas — like abandoned warehouses, dumpsters and construction sites — where the homeless are forced to find food and shelter. Hopefully seeing these locations on smartphone screens jolts consumers out of complacency as they go about their city.

Whether this conscience-bothering model will be more effective, or the charity checkin will take off, it’s clear to us that there’s plenty of potential for social good in the future of location-based social services.

Do checkins have the potential to change social good? Can it help bridge the gap between social media and the real world? Will you sign up for CauseWorld? Let us know in the comments below.

More Social Good Resources from Mashable:

- 10 Inspiring “Buy One Give One” Projects/> - 4 Real Challenges to Crowdsourcing for Social Good/> - 9 Creative Social Good Campaigns Worth Recognizing/> - 5 Easy Ways to Support a Cause Through Your Social Network/> - 10 Ways to Start a Fund for Social Good Online

Images courtesy of iStockphoto, PeskyMonkey and John Haydon

For more Social Good coverage:

class="f-el">class="cov-twit">Follow Mashable Social Goodclass="s-el">class="cov-rss">Subscribe to the Social Good channelclass="f-el">class="cov-fb">Become a Fan on Facebookclass="s-el">class="cov-apple">Download our free apps for iPhone and iPad

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NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

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benchcraft company scam

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

benchcraft company scam

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

benchcraft company scam

NPD: Big debuts for Fallout, NBA 2K11 <b>News</b> - Page 1 | Eurogamer.net

Read our news of NPD: Big debuts for Fallout, NBA 2K11.

Google <b>News</b> Blog: Credit where credit is due

News publishers and readers both benefit when journalists get proper credit for their work. That can be difficult, with news spreading so quickly and many websites syndicating articles to others. That's why we're experimenting with two ...

Great Dolly <b>News</b>! | PerezHilton.com

Yes! We´re totes excited for this! Dolly Parton made the official announcement on her website today that she is planning not only a brand new album full of brand new music, but a worldwide...

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