Hackpads are smart collaborative documents. .
342 days ago
Unfiled. Edited by Tom Ash 342 days ago
This is the main venue for .impact coordination. Anyone should feel free to add a page (via the top menu) or comment on or edit an existing one. If you have a new project or idea, see How to Add a Project to .impact. For more about what .impact is and a form to get involved, see our website http://dotimpact.im/ (though this hackpad is the primary source of content). See also the .impact Frequently Asked Questions.

207 days ago
209 days ago
Unfiled. Edited by Remmelt Ellen 209 days ago
Remmelt E Enable effective altruism community members to more efficiently cover basic needs (for which they're risk averse), freeing up resources that they can instead allocate to altruistic causes (for which they're risk-neutral). 
Develop ideas into scalable social systems (e.g. peer group insurance, loans or project funding) towards a cost-saving safety net for the international EA community. This is a collaboration with Antigravity Investments.
Past similar .impact projects (inactive):
First experiment: Peer Safety Nets
See if there's enough interest & if we can find a feasible implementation for an EA peer-funded safety net to cover unexpected personal income losses.
See also this EA Forum article on donation insurance.
On updating this project page
This project is going too fast and the people overseeing it have too little time to keep this page up-to-date.
For more discussion on this and a minimum viable product for a peer-to-peer insurance system being worked out, see the Facebook group and, to a lesser extent, the Slack channel.
The following information is out-of-date or has become less relevant to a certain degree:
Option 1: Antigravity Investments
Antigravity Investments, an EA social enterprise focused on providing robust automated investing systems for EAs and the general public, would be interested in sponsoring the EA Community Safety Net. Antigravity Investments has an international entity which should be able to hold the pooled funds of the safety net for EAs around the world. Additionally, pooled funds could be invested with any one of Antigravity Investments' systems. If EAs believe the EA Community Safety Net has enough members to be sustainable and its members have agreed on a benefits plan and benefits distribution decision system, Antigravity Investments is ready to move forward with sponsoring the project.
Remmelt E   (note it's also potentially combinable with option 2). 
Option 2: CommonEasy
  • Actions you can help with for CommonEasy
  1. Build up 'negotiating' position by connecting 200 international EA'ers on CommonEasy
  1. Click this link (reload page if don't see Remmelt's photo).
  1. Click orange button ("Make Gratis een Account")
  1. Click Facebook button to register
  1. Ask CommonEasy to start including English translations on essential pages.
  1. Possible step for Dutch EA'ers: give translation support.
  1. Research & propose feasible insurance model (feel free to add more below)
  1. criteria for members joining group
  1. be committed to EA principles
  1. have a current source of income to cover living expenses
  1. coverage 
  1. only large unexpected losses
  1. Income loss
  1. Important medical costs
  1. physical or mental health-related
  1. NOT small, regular. non-urgent costs
  1. e.g. gadgets, small travel costs, normal medical costs like dental fees, etc.
  1. These take too much time to vet by peers.
  1. They also create a slippery slope.
  1. Only if any insurance you already have doesn't cover it.
  1. maximum duration 
  1. e.g. limit unemployment benefits to 2 years
  1. the monthly % of the maximum coverable loss that need to be transferred by each Common member
  1. it's 5% for their employment disability coverage
  1. investigate possible risks or infeasibilities
  1. vastly different social security & mandatory insurance schemes per country (means that some people have to be open to contributing more on average)
  1. risk of EA'ers connecting peer insurance with others who they've only met briefly on Facebook
  1. Ask CommonEasy to include credit card payment on website
  1. takes at least 1 week for them to program (say 3 weeks to take planning fallacy into account)
  1. Start joining the EA Community Safety Net common
  1. Peer vetting
  1. coordinate and discuss insurance claims (e.g. in Facebook group)
These are of course subject to change with more info & analysis.
  • On CommonEasy
  1. CommonEasy is a Dutch startup owned by a non-profit that aims to improve society by giving people access to cheaper personal insurance-like coverage. See this English description.
  1. More peer-to-peer insurance startups exist around the world (which Remmelt hasn't researched yet) but the alignment between CommonEasy’s and EAs values makes them a great partner.
  • Value
  1. Insurance adds value by spreading financial risk across risk-averse humans. 
  1. However, traditional insurance can be expensive, especially for self-employed people. 
  1. 80,000 Hours instead advices saving money in the bank but this is inefficient when it comes to covering rare but large unexpected personal losses.
  1. CommonEasy cuts out costs by replacing an insurer’s fraud detection with peer control (further helped by value alignment in the EA community) and by seeking societal returns rather than financial returns.
  1. If we show CommonEasy's co-founders that there are enough interested people (tentatively put at 200) within the international EA community, they are open to creating a customised coverage for the EA community for large unexpected losses such as medical costs and income loss. 
  • Current limitations
  1. Their current coverage options are limited to: 
  1. unfortunate circumstances (excl. medical & employment)
  • (the co-founders are fine with starting a coverage for us for any of these if we could get 40 people from the EA community together).  
  1. Language
  1. Currently, their website is only available in Dutch.
  1. They've parked an international domain and at some point they will broaden their focus from Dutch early adopters to people internationally.
  1. Country coverage
  1. Their system is currently only available to Europeans (through SEPA Direct Debit) excl. UK & Switzerland (different currencies/direct debit procedure). 
  1. According to Florian de Ridder (co-founder), connecting credit cards would take about 1 week (assume 3 weeks because of planning fallacy).
  • How CommonEasy works
  1. It relies on a person reciprocally insuring payouts for trusted 1st, 2nd and 3rd connections respectively (the lowest payout amount offered in each pair gets applied to both)
  1. The person decides what maximum amount (s)he wants to be insured for for defined period & criteria
  1. For this, a monthly % gets direct debited from the person's bank account, to cover the risk with a wide safety margin
  1. The more this is allocated to payouts to connections –> better spread of risk, more like an insurance
  1. If allocating less –> becomes more like a savings account (although they currently have no interest at MangoPay)
  1. Vetting claims works by 
  1.  a person applying through the online form
  1.   during a 2-week waiting period, any of his/her insurance connections can respond if they disagree
  1.   if no-one does, the claim is approved and the money gets transferred to your bank account
  1.    if someone does, a 5-day voting period starts and the applicant can respond to deal with any misunderstandings –> if 10 connections or 50% of all connections vote against, the claim is disapproved
209 days ago
Unfiled. Edited by Remmelt Ellen 209 days ago
Ozzie G
  • Summary
We're setting up a simple system for EAs to fund EA people and projects.  See here for activity.
  • Project Goals
  • Fund small projects
  • Publicity (meetups, events, college groups).
  • Experiments
  • Independent research
  • Make it more publicly visible to fund people to do EA Projects -- also shows EA to the public.  Donations outside the EA community would be particularly awesome.
  • Be used by a few people and known within the community.
  • Rely primarily on existing software.
  • Keep track of small projects and collective progress!
  • Gittip
GitTip is an online social payment system where people agree to 'tip' others a specific amount every 2 weeks.  It charges the typical credit card fee of around 3%.  This is a convenient way of doing recurring donations.  You can fund either people or projects via GitTip; for projects, we believe there's a method for distributing the money among those who have worked on the project.
  • Receivers / Receiving Projects
People requesting money are responsible for informing potential donors of how it will be used.  Some things that are good to include are:
  • Your History
  • What have you done before?  Why do you believe that you will be able to handle future work well?
  • Your Project(s)
  • What will you work on?  How is progress going?
  • Your Needs
  • How much money do you need?  You may be able to accomplish different things if different amounts of money are raised; if so, say so.
  • Your Updates
  • How do you plan to keep the community / donors informed with your progress?
Much of this information can go on your Gittip profile.  For updates or extending writing, you may want to use a blog or social media.
  • Givers
Interested in donating?  Please do!  Feel free to directly contact other people to learn more, or encourage others who are not yet on gittip to join.
Note that there is no charge to give money received on Gittip.  This means that if you get money from someone else, you can give it without incurring the 3% credit card fee on it.  Therefore, you can delegate the task of choosing receivers to other people; you gittip to them, and they gittip to more specific choices. 
  • Ozzie's Initial Funding
Brendon W
  • Ok, I familiarized myself with the comments feature. It's fine if someone deletes me, or I can delete myself following feedback.
Remmelt E
209 days ago
Unfiled. Edited by Tom Ash 209 days ago
Tom A Quick links: Project Template i
If you're starting an effective altruist project - or simply have an idea for one - then it's a good idea to record it on .impact. This lets EAs share ideas, suggest collaborations and opportunities, and learn from one another. It's also the most transparent way to share information.
209 days ago
Unfiled. Edited by Tom Ash 209 days ago
People: Rethink Charity (formerly .impact Focus Projects)
Peter H Location: 
Ozzie G Development Stage: Launched
209 days ago
Unfiled. Edited by Tom Ash 209 days ago
People: Rethink Charity (formerly .impact Focus Projects)
Development Stage: Launched
Rethink Charity (formerly .impact Focus Projects) runs peer-to-peer fundraisers for EA, and has software and matching funds for doing so. This project was handed over by Charity Science.

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