Karmic Margin Call Project

Creating the Stewardship Economy - One Conversation at a Time

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217 Cornwall Drive Chalfont, PA 18914

Phone 610-680-8758


If you have any questions or feedback for us we'd love to hear your thoughts!

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Welcome to the Karmic Margin Call Project, Virtual Services Time Bank!

Our mission is to unite teachers, artists, entrepreneurs, and independent service providers to establish an Equal Partnership Economy. 

Our home office is in Norristown, Pennsylvania -- not far from Philadelphia. However, our mission is dedicated to helping members connect all over the world and share their time and talent via virtual services. We also wish to connect with other Time Banking organizations and share about how to turn a competitive economy around and create a global collaborative effort.

Currently our founding members are working on "The Rogue Counselor Transcripts" which explores the philosophy behind this Time Bank and for establishing an Equal Partnership Economy through Reverse Market Mechanics. To request a copy for the introduction section of the Transcripts, please email us at

hOurworld® News

hOurworld News

hOurworld Mobile Time Banking We believe in Open Innovation! We implement the best ideas of our members and coordinators. This broad based co-production model of networking and development affords us all the best tools for sustaining our local communities!

We believe in removing ALL the barriers to time banking that we can. Access to the hOurworld platform is FREE. It is easy for new members to join and learn, and easy for coordinators to manage and report on their members and activity.

We believe in supporting local diversity while maintaining a central cooperative organization to provide accessible support, training, and communications. We are documenting and teaching these models.

We believe that every member have control over their own privacy and content. We operate on private secure servers and HIPAA compliant data centers where all information is encrypted before going out on the internet.

We believe that time banking is one spoke in a wheel of Movements Moving Together. We foster local community organizations drawing together to create powerful local economies as they integrate CSA, Food Co-op, Buy Local, Transition Town, BALLE, CAP and others. The opportunities are endless!

All the Best from hOurworld