Chimorel

Go for the Gusto.
Make your dreams come true.
Make the world better.

Your Story

     One day a friend tells you about Chimorel’s website and you begin exploring. You are curious at first, but as you explore the concepts & stories, you become intrigued by the free Success Journey. Something says to you, “I can do it!”  
       Maybe, all you do is grasp one or two concepts. Then you get serious and begin to develop your first goal. You test the goal against reality, all by yourself. You have confidence in yourself and you decide to make things happen. You uncover a few of our 2000 Strategies, and you join Our Community by starting your free Success Journey.  
       You develop an action plan and begin to make it happen. At first you flounder a little, but you don’t quit. And sure enough you accomplish your first goal. Then you set a bigger goal and make it happen. And then you do it again. Every once in a while you come back to explore the website. At the beginning of your exploration, you click the Single Eagle and tell us about you.  A little later you donate $250 to initiate an Odd Job program, an Altruistic Action Planning membership and a Presto Pay Scrip program to support our Client Assistance program. You learn about our 735 PlanStep by Step Financial Planning and Special Projects. You continue to achieve goals and reach out every once in a while to support someone else.  
        Maybe, you are really struggling with things in life, and don’t have much money. You send us an email to apply to the Client Assistance program. Maybe you borrow $100 from two friends or maybe you ask us to set you up with 10 hours of work. Either way you apply. We give you five people to call and you complete your $100 Odd Job commitment. Then you attend a goal setting session or work with a planner to set your goals. You need support to accomplish your goals and we give you ways to pay for the support you need. Sometimes you quit for a while, then you come back and make some goals happen. And before long you have a better job, you are building the home of your dreams, you are creating a realistic retirement plan, and life is getting better.   
      There are many scenarios, beyond the two above, that we could design for you, but the only one that counts is the one you decide to make happen. Welcome to the opportunity !!!

Is success the journey or the final destination?  
We believe that it is the journey.  
When you get to your final destination the journey is over!  
But if you keep moving to new goals, your success journey continues. 

       You are about to read about some of our success stories. These are just a few of the many, many we could tell, if we remembered all of them. Some may not sound like success stories, until you think about them. The intent of these stories is to show that you can achieve almost anything you want to, despite the problems life throws at you, if you plan well, adjust for the problems, and take action steps to get where you want to go.  
          Our first story is an imaginary story designed to stretch your imagination and to encourage people of influence to get involved.  

Mr Influence Joins the Board

“I want to dream with you  
and relieve my tax burden!”

… fund Special Projects … locate property
… provide housing 
… recycling center  

… Chimorel One LLC … New Recycling Story
… recycling creates jobs 

Recycling creates jobs. 

Fund raising strategies … Memberships … Programs … Get involved … Special Projects. 

Mr Influence

A Story to Stretch Your Imagination

       Mr Influence, a retired businessman, has just joined Chimorel’s Board of Directors and has agreed to make a $500,000/yr commitment. The story below is provided to stretch your imagination. Not every board member will make a commitment at this level. We begin with a discussion between Mr. Influence and Warren, the Executive Director.  
       “Thank you, Mr. Influence, for accepting the responsibility of becoming a new Board member.”  
       “Your welcome, Warren. Your Become a Director introduction showed you expect a lot from your Board. Let’s begin to develop a plan to raise the $500,000 I committed to this year.”

       Mr. Influence writes a $50,000 check. Then he calls twenty-five friends and gets checks for $5-10,000 each. Twelve of his friends each agree to raise $50,000 and each one contacts 10-25 people. Some of these people help also. Within several weeks Mr. Influence and his friends have actually raised $775,000. Follow up and thank you notes are handled by Chimorel. Donors receive a variety of benefits based on the level of their giving.

       “Warren, I want to thank you for the opportunity to be of service, but now I want to get more involved. What else can I do?”  
       “I’m glad you asked. Tell me about some of your concerns … . So what you’re telling me is that you would like to develop a comprehensive program  to ‘eliminate welfare as we know it’, help the homeless, educate our kids, reduce crime, maximize our nation’s resources and relieve your tax burden.”  
       “Yes! I want to dream with you!”

        As Mr. Influence and Warren talk, Warren tells Mr Influence about some Chimorel projects he has worked on. Many  years ago, Warren developed plans for a limited partnership called Chimorel One LLC to acquire and renovate inner city properties. Several years ago Warren worked with members of his church on a program called Productive Prisoners to develop private prisons and jails. Not long ago Warren began to create a concept which might be described as Institutions for Dependent People or Working Resorts. He has initiated a number of programs: Cooperative Effort, I Got a Job, Property Renovation, and Create a Career. A few years ago he helped implement an ESL and Job skills program for refugees and immigrants.

        Periodically the newspapers have stories about the large number of high school graduates that can’t read and the fact that 30% of today’s children are born out of wedlock. These and other issues are the kinds of things Mr. Influence and Warren began to dream about. Then they rolled up their sleeves and began to put an organizational structure and a strategic plan together. They established Distribution Committees and developed a team of volunteers and Resource Developers, as well as, strong financial and advisory boards. They created Client AssistanceEducation & EmploymentBusiness Incubation and Nonprofit Development distribution committees. Resource Developers had the opportunity to become Managers, Planners and Coordinators. Warren & Mr Influence initiated an active Master Mind group.  

       On the nonprofit side, we established a series of nonprofit fund raising activities. Special Projects funded by Scrip, Auctions, Chimorel4U, our online Shopping Mall and Scrip were initiated for nonprofits and Action Planning members. Some of the team located property (large apartment complexes, warehouse and office space, shopping centers) in rundown areas of major population centers. The team found skilled contractors and service providers willing to teach teenagers, welfare recipients, homeless people, parolees and unemployed individuals fundamental building skills and pride in their accomplishments. The team sought to instill a sense of ownership by offering people the opportunity to buy a house or condo unit. The team attempted to create a desire to take care of their property with tough standards, frequent follow up and encouragement. The team stressed the need for honesty, integrity and the requirement to remain crime free.  
       Others on the team approached colleges, training centers and business incubation programs. Through these contacts the team enhanced opportunities for remedial education, GED, vocational and business training programs. The team worked with welfare departments and unemployment bureaus to develop programs to motivate, educate and employ welfare recipients and those seeking jobs. The team worked with personnel departments at large firms, the owners of small firms and budding entrepreneurs to provide training, benefits and employment for Chimorel clients.  
       Other team members began a two stream fund raising campaign. On the investment side, we developed the structure to re-establish Amerivestor Associates Inc as a broker-dealer firm. The first two projects were Chimorel One LLC and Ohio Resource Recycling Inc. On the nonprofit side, we established a series of nonprofit fund raising activities.

       Through Chimorel One LLC, Mr Influence and his friends helped fund a $10 million investment pool. This funded the acquisition of $50 million in apartment units, as well as, warehouse and office space. The commissions on the investment funded re-establishing Amerivestor Associates Inc. A manager and brokers were hired. Soon projects were established to buy shopping centers, businesses and farms. Plans were made to buy/develop businesses to repair and sell cars. Other plans were established to feed thousands of people through farms with greenhouses, vertical hydroponics, aquaponics, vermi-composting, growing mushrooms and bees, etc.. Plans to sell donations of just about anything on the internet, through auctions and in Chimorel stores were created. Plans were put in place to hire hundreds, then thousands of people.  
       The first project for Ohio Resource Recycling was a plastic reclaim facility designed to process 60-100 million pounds of plastic each year with a collection program adequate to exceed these material requirements. One of the first things Mr. Influence helped to energize was raising the first $15,000,000 in a private offering of common stock to provide seed money. Then he helped find investors for 10% of the next $30 million in convertible preferred stock. Some of his associates also bought part of the $30 million in industrial revenue bonds. Warren talked to people he knew, put together a network of brokers, and finished the funding for the first plastic reclaim plant and the beginnings of the first industrial park. As the funding was completed, Warren completed the management team for the facility. As the facility was built the management team lined up three month’s worth of plastic  raw stock and kept buying when the price was right with the intention of maintaining a 3-6 month’s supply. As the facility was completed, the management team hired the remaining employees. The goal was to earn 21% on sales and 20% on equity by selling plastic lumber and other products direct to the market. The marketing specialists began developing stable sources of plastic raw stock. We anticipated being able to sell our surplus to other plastic reclamation facilities and acquiring or building reclaim facilities adequate to deal with all the unprocessed plastic which clogs our oceans, etc over a reasonable time period. Plans were developed to establish  industrial parks to reuse and recycle almost everything disposed in landfills.

       As you can discover in “The New Recycling Story, Chimorel’s reason to get involved in recycling is to create thousands of jobs from resources we now throw away. Each year we throwaway more than $1 billion in materials in Ohio and more than $22 billion nationwide. This translates into $10 billion in Ohio jobs and business opportunities and $200 billion nationwide. Our intention is to capture 10% of the Ohio market and to work with others to develop the market nationwide.

       Members of the finance board started developing the funding for the other facilities and an industrial parks in Ohio within six months of opening the first facility. A consultant on the advisory board completed the plans for a facility to turn glass and plastic into greenhouse windows. We added the ability to produce plastic wood and fuel pellets to our reclaim plant. Within a year we were putting vermi-composting and greenhouses on farms across Ohio and nearby states. We created Tiny houses that could be used to house indigent, migrant and refugee workers globally. As we added productive employees, their productivity enabled their direct compensation to improve and kept the ESOP contributions growing. This in turn helped us develop seed capital for new ventures.  
       In the meantime, Mr. Influence and other Chimorel Board members were busy developing programs through Chimorel Services Inc. We hired Coordinators to handle Chimorel’s programs for financial planning, education and employment, recycling research, market development, business incubation and social services. The Coordinators worked closely with distribution committees to create special projects, solving problems and achieving goals for thousands of people. Would you like to join one of these distribution committees? Perhaps you will turn part of this story into reality for our clients.
      Many of the projects that were established were in Opportunity Zones, so we were able to enable Mr Influence and his friends to obtain some significant tax advantages.

       Here is a link to a quick list of fund raising strategies and the time normally anticipated before each strategy yields results. You may want to explore some of the nonprofit activities that the team will initiate by visiting the fund raising area of our website.

       Strategies were put in place to involve people at every level of annual and lifetime memberships. Individual and corporate donations mechanisms encouraged people and organizations to get involved, learn about our programs and begin to solve big problems and achieve meaningful goals. Special events were organized. Proposals were submitted for government grants and to foundations. A planned giving strategy was implemented, which gave people the opportunity to establish a charitable remainder trust (saving taxes and implementing significant legacy options). The doors were opened to significantly expand our Scrip and Buy Stuff programs. Our Special Project program and our $1000>$5000 program was implemented.  
       If Mr Influence inspired you to think in a significant way about how you can make a difference, we encourage you to explore becoming a Director or a member of one of our distribution committees.

Can You Tell Me Some More Success Stories?

My Home | College Bound | 2 More  |  Even More (you will leave this section)

SURE, lots of them!!! We share a few stories here. Please keep in mind that brief stories do not adequately explain all the complexities that happen in real life.   These stories are intended to give you a background. As you get more involved with Chimorel, you will develop your own Success Stories.

$1500 instead of $7000 to dig basement.
Saved $300 on basement masons

300 amp service. A tough contract got $800 installed  for free.

Significant Progress

 

Finish the first!
2nd & Third Renovation!
A wonderful place to live!

My Home

Nightmares, Success and Excitement

      This is a story of which Warren is most proud. Warren married his Beautiful Lady and moved into a 1700 SF house. To keep Mrs Beautiful happy and to keep a little privacy, we’ll not discuss all the numbers, but the increase in value was over 50%. We actually did three significant remodeling projects. Now begins a quick rendition of nightmares, successes and exciting times. It does not cover everything that happened.

New Addition

       Bottom Line: We turned a 1700 sqft house into a 5400 SF home and saved 35-50% in the process, depending on how you value things. 
       We hired an architect who planned an exciting new roof design which would have cost $50,000 just for the roof. He didn’t keep his end of the agreement, billing an extra $400 for engineering and Warren decided to buy an $89 cad program to create his own blueprints. The City accepted our plans and we started with about $10,000 in the bank and the promise of a loan. 
       We saved $5500+ on digging the basement and installing the sewer line. The first excavator said it would cost $7000. After asking why, he said he had to dig the sewer line first. Then the sewer would have to be laid. Then he had to refill the hole so he could move his tractor close enough to dig the actual basement without getting on the neighbor’s property. So Warren asked, what if we move the sewer line over along the property line, dig the trench and just keep digging from there. As the anger in his eyes began to form, we decided to find a different excavator. With a 20′ stick of Schedule 40 plastic pipe and a couple of fittings we got both the basement and the sewer done for $1500. 
       We found a place to dump the dirt for free. The truckers cost was estimated at $800. They weren’t careful to stay in the Middle of a dirt road, which potentially could have cost us several thousand in road repairs, so after several warnings Warren rolled a huge rock that would damage their trucks if they didn’t stay on the road. We also cut them off early before all the dirt was gone and saved $200 of the $800 estimate. We used the excess dirt to build a mound along the side of our property where the phone, electric and cable lines are buried. 
       Warren dug the trench for the water line with a backhoe, hitting the gas line (which wasn’t marked properly) in the process. For a couple of hours gas filled the neighborhood right under the neighbor’s tree. Lots of excitement with fire trucks and everybody in the world watching while the gas man searched for the turnoff. Warren installed the waterline, ran another gas line, had a plumber make the connections and backfilled the 4′ deep, 3′ wide, 120′ long trench. Then the neighbors complained that the dirt from the trench edge was about 3″ (yes, that is three inches) on their property line. The City made us re-install the gas and water lines. This time Warren used a large trencher to dig a 6″ wide, 3.5′ deep trench and disconnected the gas line before digging. Then he dug the trench in the back to bury the phone line, cable and electric line. 
       We hired an electrician who swore he was licensed with the City, even giving us a license number, but asked us to pull the permit (always a red flag). When Warren went down to pull the permit we discovered the electrician was using someone else’s license. The City had kicked him off the job before Warren got home. About 80% of the job was done. We got close to $800 in materials and labor free. The City gave us the name of a licensed electrician who finished the job for about $250. This isn’t the best way to save money, but if you have a strong contract you can be protected against people who lie to you. I called this electrician offering to pay for the equipment. He hung up on me. 
       We saved about $300 when the mason told us he couldn’t show for three weeks, getting another mason within two days. There was a scary moment when one of the mason’s crew of perhaps 12 guys started swinging a large tool at our barking dog. 
       The basement walls were up. The concrete guy was coming to pour concrete on Monday. It was a holiday weekend. We still had to finish stubbing up the rough plumbing. A lot of trenches had to be dug by hand and a lot of 4″ pipe laid. We hired one worker from the concrete guy to help dig. He never showed. It started to rain. At 6:30 am Monday morning Warren finished the job. Later, after the concrete was poured and hard, we discovered that one of the drains had a very slow leak. We had to break up a 3’x3′ hole in the concrete, dig down about 3.5′ and replace the trap. 
       $600 and we’ll frame and side the whole house, Warren. And they did a good job for the most part, but long after we discovered glitches that made finishing work on the stairs and elsewhere much more difficult. Part of the deal was that Warren bought all the materials and would be actively involved in the framing. One day Warren was walking backward and actually fell through the hole for the stairs. He slid down the drain pipe extension and hit the floor hard enough to loose his breath for a while. When he finally looked up there were five carpenters starring down at him. Toward the end of the job the boss was up in the rafters, doing a jig with a bottle of beer in one hand and a running power saw in the other. We added a clause to our contract about bringing alcohol and drugs onto our property and made sure each sub-contractor carried unemployment insurance. Warren made a real effort to watch where he was walking, and he did learn a lot about framing. 
       There are more stories about electricians who tried to avoid getting inspected and had to redo work; plumbers, furnace installers, masons, carpenters, tile installers, carpet layers and others who didn’t clean up, tried to overcharge, did unacceptable work, etc. Suffice it to say that we had some very good quality work done by some competent people; but we never had one contractor we didn’t have to hold to a tough agreement. Sometimes they lost money. Sometimes work had to be redone. Sometimes we didn’t catch something until after payment was made and Warren had to fix it. 
       The bottom line, however, is that we saved between $50,000 and $75,000 despite many expensive mistakes and many nightmarish problems. Over the lifetime of our loans that equates to more than $100,000 actual cash saved, considering taxes and interest. The savings certainly helped with our retirement program and gave Warren some freedom to build his business. The kids paid their own way through college, but that is another story.

Second and Third Renovations

       Well now we had a major addition and had saved quite a bit. The kids each had their own rooms at the other end of the house. The two dogs each actually had their own rooms (a hall to the garage for one and a storage room for the other). We had a small master bedroom and two bedrooms the kids no longer used. Mrs Beautiful also thought it might be a nice idea to have a peak ceiling in the living room, kind of like the peak ceiling we put in the combination family room and kitchen. This was our innovation to reduce the cost of the $50,000 ceiling the architect had designed.  
       Back to the drawing board. Warren designed a truss that would break in the middle. This turned a $15,000 roof renovation into a $600 project. We tore out walls and redesigned the master bedroom, moved doors, framed a larger closet, created a piano room, put in a hot tub, tiled, carpeted and completed the second renovation. One evening, late at night, Mrs Beautiful went to the bathroom. She looked up and realized that with all the walls down she could see directly out the living room window from the bathroom and turned the lights off. 
       So now we had a decent size master bedroom, an office for Mrs Beautiful, a living room, a small piano room, a small walk-in closet, a hot tub and shower, a second guest bathroom, several new windows, a tiled fireplace and more. The house was a very nice place to live in. The kids were off to college. 
      We came back from a vacation shortly after a major storm had killed the electricity. We went without electricity for over a week and decided that it was time to put in a generator. So Warren pulled the wiring for 18 electric lines that the electricians hooked to the generator. We also replaced the gas regulator to insure safety as the natural gas generator was installed. Warren installed shelving for Chimorel’s eBay inventory and had a 1200 sqft office in the basement. He also put the final touches on a small “ballroom” in the basement. 
This story actually happened. The pictures are of the actual home, my family and a few workers.

        They came to a Chimorel Introductory Meeting, then logged onto Chimorel’s website and learned how they could save at least 15% building their dream home. They paid a $575 application fee to apply to Chimorel’s Home Builder Program and get the Home Builder package. They did not receive the $5000 down-payment grant (only one of 25 applicants will) but they used their application fee as part of the $2000-5000 cost of learning how to build their home and save 15-50+%. 
       They talked to a farmer who sold them two acres for $10,000 after discovering that a quarter acre lot offered by a developer would cost $35,000. They modified a stock plan available in a magazine to meet their needs and got the plan approved. They acted as their own general contractor and working with Chimorel were able to buy their materials wholesale, cut tough deals with subcontractors and got some of their friends to help them with part of the work they decided to do themselves. They built a $275,000 home for about $175,000. There were a lot of headaches along the way. Sometimes they wondered if it really was worth it. Then they calculated that after taxes and financing the $100,000 savings would  have required them to earn an additional $200,000 to get the same house built by a builder. They decided that maybe they could retire a lot sooner than they had planned.
This story is a future possibility. Click the Home Owner link above to explore our Home Builder Program.

       She was contacted by one of our Resource Developers. She paid a $350 application fee, applied to our College Bound Program, and named her daughter as the beneficiary of a possible $2000 Chimorel Scholarship. Her daughter did not receive the scholarship (only one of 25 applicants will), but the additional services she received enabled her to pay the entire cost of her daughter’s education. Here’s what happened. 
       First: We empowered her daughter to determine a specific career choice and to get a job to pay part of the cost. 
       Second: We assisted the daughter to apply for approximately 200 scholarships, grants and loans. The loans amounted to $7500/yr. The daughter received three scholarships worth about $5500/yr. 
       Third: Through Chimorel’s Guaranteed Scholarship Program, mom and her daughter received an additional $6000 each year for four years. Mom ended up buying her daughter’s books and paying a few fees. The remainder of the daughter’s college expenses were covered by loans, scholarships and her daughter’s work. 
       The work experience helped the daughter find summer intern experiences at higher pay in her career area. On graduation the daughter started at a higher level because of the infield experience, which made repaying the loans easier. 
       This story is a composite future possibility, reflecting  students we have already supported. Click the College Bound link to explore this program.

Two More Success Stories

Cans, College, CPA

        At six he asked his stepfather how he was going to pay for college. His stepfather answered, “You’re going to pay for college.” That day, after his eyes returned to normal size, they went out to gather aluminum cans. In a month or so with chores, can money and birthday money, he had $100 and opened a savings account. Gathering cans wasn’t much fun, but he kept at it until he found other things that paid more. 
      He saved his money and invested it in stocks and mutual funds. Later he got a paper route, worked at a fast food restaurant and started an internship program at his high school. By his Freshman year at Miami he had enough to buy a computer, pay for the school year and had investments left over. In fact he had investments of $16,000 in his Junior year, which he eventually built to $50,000, then desecrated to $5000, but that’s another story. 
       He got several scholarships, worked summer internships and got loans. He did indeed pay for almost all of his college expenses and because he knew what it took to pay for his education his grades were much better than most of his friends. And now he is a CPA, the Controller at a large company and looking into the future. 
       This story actually happened. The CPA is one of Warren’s sons.

Becoming an Engineer

       In his freshman year in high school he got C’s and B’s. By his junior year he decided to become an engineer and learned he needed good grades to get into a good school, then he got A’s. He went to Toledo University, graduated with honors in mechanical engineering. He got a job at Liebert. Then he went on to get a second degree in computer programming and is now a senior programmer for a large national bank. He learned to sell on eBay.  Maybe the most important decision he made was what he wanted to be as a junior in high school. 
       This story actually happened. The engineer is Warren’s other son.

When did you know what you want to do? When will your children know? Is your focus Money or Service?