Cindy to the rescue, Car-wise

I was so dreading the search for my next car. My cherished old PT Cruiser of 19 years was, despite consistent maintenance, becoming unreliable. I had been reviewing Consumer Reports and haunting the car web sites. So much information.  So little of what I was seeking. I wasn’t even sure where to start.

Then I saw Cindy’s offer on the Silver Spring Timebank site. She said she loved looking for cars and was happy to help others in their search.

I asked for her help. It was the best decision I have made in a long time.

Cindy helped me to get focused. She had great recommendations and experience. The end result was that I got a great used car priced well below my budget target (even with taxes and fees).

Here is what I learned when I asked Cindy how she came to be the “car whisperer” (my term, not hers):

Question: Why do you like searching for cars?

Cindy: I hated buying cars until I discovered buying through the internet. Or, at least, narrowing the search through the internet.

Q:  Why did you so dislike buying cars before you discovered the net approach?

C: The first car I bought was a Toyota Celica. I spent over 4 hours talking to salespeople and having to play the “car buying game”. Then the salesman left me waiting while he “talked to the Manager.” There was excessively loud music (which I later learned is a tactic to stress out potential buyers). The whole experience was unpleasant and annoying.

Q:  What made you use the internet to qualify potential cars?

C:  The next car I purchased was a Toyota Corolla. I had discovered several sites on the internet that let me narrow in on the features I wanted and the relative prices for the car. I found a range of choices easily without the assault of the showroom floor and the hours it takes to car shop in person.

Q: How did that first internet-assisted purchase go?

C:  I narrowed my choice to the best combination of features and pricing. I called the dealership and negotiated on the phone. I asked them to fax me the Purchase Order (same as buying invoice) so I could review it without the face-to-face pressure. I signed it and faxed it back to the dealer. Then I test drove the car and bought it.

Q: Weren’t you concerned about signing the purchase order without first seeing the car?

C:   Not at all. You have 3 days to change your mind on a car purchase (federal law).  If I had test driven it and found problems, I would just have cancelled my order and walked away. Buying through the internet, phone and fax just let me avoid all the “buying games” so I could focus on the car I really wanted at the price I was willing to pay.

It is just like on-line shopping for consumer goods. You find the item and the information. You can experiment with seeking similar cars in different locations and kind of dealers. It made the car buying process less hassle and more fun. It’s like a treasure hunt.  

Q:  What internet sites do you find most useful?

C:    KBB, Cars.com, Car Gurus, Auto Traders (especially for used cars 3 years old and older). Of course, starting with Consumer Reports gives you an unbiased assessment of a car’s capability and the owner’s satisfaction with it. I have also used these sites to sell 6 cars myself.

Q:  I had many hours to use for my search.  If a timebanker has a limited number of hours to use for an exchange, how would you recommend they work with you?

C:  It depends on whether they wish to buy or sell. Here is a sample of what I would expect it would take in hours for various levels of assistance:

1.    Refining your buying focus (narrowing your target to Make, Model, Year, Features) would take about 3 hours

2.    Coaching session on how detailed use of the net for car purchases, about 2 hours

3.    Researching for you and consulting on Financing, about 2 - 4 hours

4.    Decision-making: new vs. used cars  between 2 -3 hours

5.    How to negotiate the purchase – detailed approach, about 2 hours

6.    Test Drives:  accompany you on the test drive, take notes, review reactions,  1 hour (plus time to and from car location)

7.    Produce search spreadsheet that the buyer can use to evaluate and compare multiple potential cars and buying sources, about 3 hours per model of car for comparative evaluations or 5 hours if the potential buyer wants a sheet with links to the various listings

Q:  This all is very helpful, but what if the potential buyer doesn’t know what they want?

C:  I recommend a 1 hour exchange where we discuss the scope and timeframes of the car purchase. Then the timebanker will know enough to get started on their own. If they want more help, then we can determine just what help they want and work from there.

Thank you, Cindy, for your help with my car purchase. I can certainly echo that it is like a treasure hunt. I hope not to have to look for another car for a long time.

Thanks to SSTB member Connie Bevitt for sharing this member spotlight about her terrific exchange with Cindy Shay. Photos of her new car included.

Sharing knowledge and building community at the same time!

The Silver Spring Timebank hosted its 4th annual Skill Share event on Sunday, January 19 at the Silver Spring Civic Building on Veterans Plaza. The event ran from 1:00-3:00pm and attracted a wonderful crowd of curious individuals looking to learn something new for 2020.

The Skill Share is an opportunity for timebank members to share their interests, expertise and passions with the community. The event is FREE and open to the public. This year it was held in the Civic Building’s Great Room, with half of the room offering 15-minute presentations by different speakers, and the other half of the room offering different Ask the Experts tables. As one attendee commented, “There’s something intrinsically interesting about the variety of themes presented at this event.”

Individuals moved from table to table learning about budget-friendly ways to re-decorate, traveling in the developing world, making smart decisions about money matters, building mindfulness through gardening and more. Especially popular tables offered aura readings and tips on buying your next car.  One timebank member offered a hands-on activity for SoulCollage(R) which was described by an attendee as “almost like making your own tarot deck. It’s a fascinating project!”

Timebank member Beth Gingold was on hand to answer questions about recycling. If there was a question she couldn’t answer, she promised to find the answer and get back to the person with the question. Her goal was to make sure people know what and how to recycle with the goal to get closer to zero waste.

Presenters shared their expertise on yoga for healthy aging, making a living working remotely, raising your credit score, creating YouTube tribute videos and even reducing your cat’s carbon footprint. One very pleased attendee said that she "met a lot of really accomplished – and generous – people” at the event.  Another person described the Skill Share as “what community is all about.” 

Members of the Silver Spring Timebank exchange services without exchanging money. As members connect with other members to get the services they need, those connections build a sense of community which is an extra bonus of timebanking. The Silver Spring Timebank’s annual Skill Share is an opportunity to share that sense of community with others. For more information about timebanking and how to join the Silver Spring Timebank, go to www.silverspringtimebank.org .

4th Annual Skill Share is Sunday, January 19 from 1:00-3:00PM

Join the Silver Spring Timebank for its 4th annual Skill Share which showcases the unique talents of our Timebank members. It will be held at the Silver Spring Civic Center on Veterans Plaza in downtown Silver Spring. It is FREE and open to the public. Come have fun and learn something new for the New Year! Stay for an hour or even for two. Bring friends and family, and please share event details far and wide.

There will be six short talks plus a variety of exciting Q&A topics and demonstrations:

Talks include

1:00-1:05 PM - Gather Folks/ Announcements

1:05-1:20 PM - Raising Your Credit Score - Christopher Cruise

1:25-1:40 PM - The Eco-Friendly Kitty: How to Reduce Your Cat's Carbon Footprint  - Tanya DeKona

1:45-2:00 PM - Yoga for Healthy Aging and Strong Bones - Debbie Helfeld

2:05-2:20 PM - Making a Living Working Remotely - Michaela Pacesova

2:25-2:40 PM - Create a Tribute Video on YouTube - Phil Shapiro

2:45-3:00 PM - Making Effective Infographics - Natasha Isler  

Q&A topics and demonstrations available anytime between 1:00 - 3:00 PM

Basic Bike Maintenance

- 10 Budget-friendly Ways to Give Your Room a Facelift

- Helping the Elderly: Ask the Social Worker

- Career Counseling

- Handmade Photo Collages

- Travel in the Developing World

- Mindfulness through Gardening 

- Smart Money Matters

- SoulCollage(R)

- Your Next Car

- Aura Readings

- Ask a Recycling Expert

- Silver Spring Timebank Help Desk: open for all who have questions about timebanking or using the hOurworld software for exchanges. Timebank applicants can receive new member activation at the Skill Share.

We are a GREEN event and want to eliminate printed documents, so here is a file with the event handouts - keep checking it as we will be updated it with new materials as our speakers and tablers submit them.

The Silver Spring Civic Center at Veterans Plaza is on Ellsworth Drive between Fenton St. and Cedar St. 

*By metro:  Eight-minute walk north from the Silver Spring Metro Station. 

*By bus:   Metrobus F4 and Ride-On #16, #17 and #20 (along Fenton St.).  Metrobus J4 and Ride-On #15 and #19 (corner of Wayne Ave & Fenton St.).  Metrobus Z6 and Z8 and Ride-On #9 and #12 (along Colesville Rd.). Metrobus Q and Y lines (along Georgia Ave and Wayne Ave.).

*By car: Free weekend parking at the Town Square Garage on Ellsworth Drive. (Do NOT park in the Whole Foods lot.)

For videos about the Silver Spring Timebank and past Skill Shares, see our website. And, watch our FB event page  and Twitter page for updates about this event. We look forward to seeing you there! 

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Timebank Inter-trading: Go Global!

The hOurworld software allows us to do “Inter-trading” (a.k.a. “Global”) exchanges with members of Timebanks all over the world!  Inter-trading widens your audience for your local offers and requests. Inter-trading is also a great way to earn hours if your special talents aren't in demand locally – or to receive services that aren’t offered locally. In addition, inter-trading helps you connect with the broader Timebanking community; it brings the world a little closer.

What services can be exchanged through Inter-trading?

Inter-trading is most often used for services (1) fulfilled from afar and (2) in the areas of language, writing/editing/clerical, tutoring/counseling, tech, or other specialized knowledge areas (by email, phone, or skype).

But with a little creativity, there are untold possibilities! 

Examples of “Outside-the-box” Inter-trading Offers and Requests:

·       Join me for a foraging tour of New England: I’ll show you edible plants you’d normally overlook. 

·       Would you be our tour guide in Auckland NZ?

·       Seeking home-made vegan meals in these cities on these dates. (Driving cross-country.)

·       Help with the oil spill cleanup in the Gulf! I can’t get there, myself, but I can give you hours.

·       Send me a photo of your home. I’ll send you a pen and ink drawing of it.

·       Is there a book lover near Missoula MT who can visit my grandmother once a week? She likes historical fiction, and she’d love to chat.

Not all offers or requests are appropriate for Inter-trading at a distance, however. For example, an offer to deliver groceries is not likely to be appreciated by members of a Timebank 3000 miles away. So please consider that when posting.

Which Timebanks participate?

Not every Timebank participates in Inter-trading. Each local Timebank has the option to turn the Inter-trade feature on or off for its entire membership. In addition, there are many Timebanks that use software other than hOurworld, and we cannot currently do exchanges with their members. You can view the list of Timebanks doing Inter-trading on hOurworld by clicking on the Inter-trade tab and then “Contact Timebank Locations” in the drop-down menu under “Explore All Offers."

Where can I find Inter-trade listings?

On hOurworld:  Inter-trade (Global) listings are not interspersed with Local Timebank listings. After logging into hOurworld, click on the Inter-trade tab to see the categories of Global offers and requests. You may also use the search box. However, be aware that the search box on the Inter-trade page does not connect to Local listings. And the search box for your Local hOurworld page does not bring up Inter-trading offers and requests. Local and Global posts are separate with one exception: A post marked as Global from a member of your Local Timebank will also show up as a Local post.

In the weekly email update: You may also find Inter-trade listings in a separate category at the bottom of the Monday morning email update. If you prefer, you have the option, as an individual, to remove them by clicking on a link in that email (“Remove Inter-trade Offers and Requests from my weekly update”).

How do I post Inter-trade offers and requests?

1.     First, decide which individual offers or requests you would like to share beyond your local Timebank.

2.     Begin your post the usual way, by clicking on “Add New Offer” or “Add New Request.”

3.     Select the category and service, write the description, and set an expiration date.

4.     Click the “Go Global” button at the bottom of the post. (This button then becomes a “Go Local” button, allowing you to make that post viewable only to local members again if you wish.)

5.     Finally, set the radius of service/distance limit. (Once the post is marked as Global, you will see additional options for radius of service.)

Please note: 

·       A Global post can still have a relatively small radius of service, allowing only members of your own and nearby Timebanks to view it. Consider this option when you need to meet someone in person for an exchange, but no one in your local Timebank can provide the service.

·       Even if you set a high distance limit – or no limit – your post will still only be seen by local Timebank members unless you have clicked the “Go Global” button.

How is Inter-trading different from exchanging services with members of my own timebank?

1. The most obvious difference is that your Global exchange partner may live in a different time zone, and that may make scheduling a challenge. Many exchanges don’t require real-time communication though.

2. There may be language or cultural differences (though that can happen with local exchanges, too). Don’t hesitate to ask clarifying questions or get help with translation.

3. There is less information available to you through a Global listing than through a Local listing to help you decide if you want to do an exchange with someone.

What you can see:  The name of the person who posted the Inter-trade along with the person's photo, the Timebank’s name and location, the number of exchanges the person has completed, the number as the provider of the service, the number of exchange partners, and the percentage who were satisfied with the service. You can also see all the details of the offer or request.

What you can’t see: The bio of the person who posted, what Timebank groups the person has joined, the person’s other (non-Inter-trade) offers and requests, the dates of most recent login and exchange, and how often the person replies when emailed. 

The bio and the person’s other offers and requests paint a fuller picture of the person than only one post can. The dates of last activity and the reply rate may indicate how likely it is that the person will respond. Depending on the nature of the exchange, not having this information may influence your decision to take part.

Note: If you were the one to post the Inter-trade offer or request, you may see even less information about people who respond to you.

4. Local Timebanks have social events and other ways to meet people that may help you decide if you want to do exchanges with them. You may also know other people in your local Timebank that you can ask about potential exchange partners. For Inter-trades, you won’t have this benefit. However, just as with local exchanges, you may certainly ask in advance for references, samples of the person's work, or a phone interview. You will also learn more about the person from advance discussion of details and expectations.

We list some of the differences between Inter-trades and local exchanges not to discourage you from taking part but to encourage you to ask questions and not make assumptions. As many Timebank members will tell you, Inter-trading can be satisfying and even exciting.

 How are Inter-trading hours recorded?

For a local exchange, you may record hours either through the Hours tab toward the top of the homepage or through the Hours button at the bottom of the individual post.

For Inter-trading, though, you may only use the Hours button at the bottom of the post. For this reason – even if the exchange is complete – the post should not be removed until the hours are recorded.

For a local exchange, the default is that the provider of the service records the hours.

For Inter-trading, the person responding to the post is the one to record the hours: 

·         If the post was an offer, the person who received the service must record the hours.

·         If the post was a request, the person who provided the service must record the hours.  

If you want to refer to past Inter-trades on your Hours Statement in your account, be aware that

·         Your exchange partner will always be listed as hOurworld.

·         All services will be labeled “Account Management: Misc Service: Inter-Trading."

·         It is only in the Comments field that the actual category and service will be listed. The name of your exchange partner should also appear in the Comments field, and you may add other notes about the exchange.

If you want to try your hand at Inter-trading but have questions, please reach out to your Member Mentor. We hope you enjoy connecting with the broader TImebank community!

Inter-trading Stories: share your requests for exchanges with members of other Timebanks

Have you ever posted a request, but not received a reply from anyone? Well this happened to Amanda and Robin, two Timebank members who discovered an alternative option to post their requests: Inter-trade. Through inter-trade, your requests for exchanges can be shared not only with Silver Spring Timebank members, but also with members of other Timebanks in the country and around the world. This allows for your posts to be seen by more people who might be able to help, and is a great option for exchanges related to categories such as audio and video, translations (written), computer, writing, research and publishing, among others. This is how it worked out for two of our SSTB members, Diana and Robin:

DIANA:

Amanda is a member of the St. Pete Timebank in Florida. She has a small business that is growing. So she wanted to reach more audiences and, therefore, needed a translation to Spanish of an educational brochure on yard composting. She posted the request to her local Timebank but got no replies. The lead coordinator of her Timebank suggested she share it through the inter-trade option. Diana, who is a SSTB member, saw Amanda’s request in the weekly email and replied to it.

“I was SO EXCITED to get a response from two people from other Timebanks,” Amanda says. “I was specifically looking for someone with composting or gardening experience so that my educational guides would be more likely to be translated accurately.”

Diana says, “When I replied to Amanda’s post, I let her know that I am an environmental engineer who works in waste management and also a native Spanish speaker, so that she would know that I could provide a very good quality translation for her specific topic.” So Amanda ended up choosing Diana to do the translation. “Using inter-trade allowed me to find someone who was uniquely able to help me with my project,” Amanda concluded.

ROBIN:

Robin, who is a member of the SSTB, posted a request to get help making a PowerPoint presentation. Robin is a retired teacher and wanted to use the presentation to show to potential donors to continue supporting her volunteering work for civic organizations in Asia. Robin did not get any replies from SSTB members for her post, so she decided to try the inter-trade option.

She was able to contact three people, who could not do the work in the time frame she needed. However, “One of them said if I could not find someone to help me, she would try to make time for it.” Turns out she needed the hours to request some tutoring for her daughter. Robin says, “When I clicked on [Inter-trade], I thought it would contact me with people in other places in Maryland.  But she was located in the mid-west, so we had to coordinate our calls for a 2-hour time difference.” Robin felt that this exchange was very beneficial. Her exchange partner did all she wanted for the presentation and was very nice. Robin adds, “I would definitely do it again!”

 

Free Yard "Sale"

The Free Yard “Sale“ that we held on Saturday October 19th from 2:00 to 3:30 pm was a great success! It was a beautiful sunny day and we had a great turnout of both members and non-members of the SSTB. Many items found a new home and the ones leftover were taken to The Pennyworth Shop, the Adventist Community Services of Greater Washington (ACSGW), the Friends of the Library, Montgomery County: Wheaton Bookstore and The Humane Rescue Alliance. Thanks to Kathy Jentz, the whole event team and all the volunteers who helped at this swap! Here are some opinions and pictures from our swap participants:

"I'm happy to find these Legos. They're for my three-year-old. His cousin has Legos, and now he does too."

"I like this. You give a couple of things, and you get a couple of things. And everyone's happy."

"I took away more than I should have."

"I was looking for storage to help my ten-year-old keep his room organized. I was glad to find this basket."

"I have cat lovers and dog lovers back home where I used to live. I'm going to send them these cards I found today. I'll send a batch to the dog lovers and a batch to the cat lovers. I'm a guinea pig lover myself."

"There's a woman here who collects sun faces. She brought this nice one, and I'm going to grab it. I create websites, and I'm doing one for a solar company. I'm going to use pictures of sun faces as buttons on the site."

"I'm saving these dishes aside for a family who got burned out of their house."

 "I love this plant holder. I wouldn't have known it was hand-made, but Anne said her sister made it for her back in the 70s."

 "Even Lily the dog picked out something to take home! This stuffed reindeer."

Summer Potluck Social

We had a wonderful crowd for our summer potluck social at the Cissel-Saxon American Legion Post 41 on Sunday, August 11 from 4:00 - 7:00 p.m. It was a terrific opportunity to meet other timebank members and enjoy some delicious dishes, including extra yummy desserts.

We were thrilled to discover the American Legion Post 41 as a location for gathering and they have already become a member of the Timebank. Stay tuned for information about our next social for the holidays!