screen-shot-2016-09-15-at-10-16-52-amAs the personal costs of climate change begin to bite, greater sacrifices may need to be made to live near a good job. Here’s the logic: Rising commuting costs plus the many savings possible if you live in a relatively climate-proof community make it unlikely that your wallet will be happy if you live near a traditional job center. (See details/examples in Climate-Proof Your Personal Finances.) These pressures will favor remote working arrangements and virtual companies.

There’s plenty of advice around for finding a remote job, for facing the time-management challenges of working this way, and for communicating effectively. But there hasn’t been much about how to start up such an arrangement. Now comes a detailed handbook for creating and operating a workers’ coop. It’s for a software company in New Zealand, but looks as if it would apply to many other industries. Maybe yours.