November 2009 was when Michael Migliozzi and Brian Flatow started a website called BuyaBeerCompany.com who’s lofty goal was to buy the ailing century old Pabst Blue Ribbon beer company. In less than two years, working to match the $300 million sale price, the pair attracted over 5 million investors pledging upwards of $280 million, with an average pledge of $40.

The SEC found out about the money raise and put a stop to it in Sept 2011. The problem? They hadn’t registered the offering with the SEC and they targeted unaccredited investors. These are two major no-nos in investment circles.

Because no money changed hands, only pledges, the two escaped charges, but the entire incident fueled the interest of some very prominent people who saw the potential for invigorating the cash-strapped startup and small business world where most new jobs get created. The concept of crowdfunding was born.

On November 3, the U.S. House of Representatives overwhelmingly passed H.R. 2930, a crowdfunding bill that will allow startups to offer and sell securities online. The Senate will likely vote on the bill in early 2012.

After eight decades of arguably the most restrictive rules for raising capital in the world, we are standing on the precipice of a new era for funding: crowdfunding. Here are 23 unusual ways in which the crowdfunding revolution could redefine the business to investor relationship.

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If you were traveling between Boston and Washington, DC, and had the choice of either flying or riding in a driverless car, which would you choose?

Under good conditions this is an 8.5-hour drive vs. 4-5 hours flying – driving to the airport, wading through security, boarding the flight, landing, and commuting to your destination when you arrive.

Keep in mind that the first wave of driverless vehicles will be luxury vehicles that allow you to kick back, listen to music, have a cup of coffee, stop wherever you need to along the way, stay productive with connections to the Internet, make phone calls, and even watch a movie or two, for roughly the same price.

If you think this vision is far off, think again. Over the next 10 years we will see the first wave of autonomous vehicles hit the roads, with some of the first inroads made with vehicles that deliver packages, groceries, and fast-mail envelopes.

Here are a few thoughts on how this industry will develop.

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After spending the past three days scouring the showroom floors at CES (Consumer Electronics Show) in Las Vegas, watching people become overwhelmed by what they saw, I tended to be more underwhelmed by what I didn’t see.

Smartphones, tablets, 3D televisions, and supporting peripherals were everywhere. But as the industry was getting sucked towards the gravitational allure of these technologies, many others, with harder problems to solve, haven’t been getting enough attention.

It’s very easy for the digital world to spot an opportunity, write a few lines of code, and have a new product ready to launch. But going beyond the current capabilities of existing hardware, blazing entirely new trails of thinking, is where the real opportunities lie.

For this reason I thought it would be interesting to talk about “what’s missing.” For those of you are up to the challenge, here are 25 technologies I’d love to see at future CES events.

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On December 29th, Verizon announced it would begin charging a $2 “convenience fee” for any customers paying monthly bills with a credit or debit card via the Internet or telephone.

Within 24 hours, online petitions began to circulate and commenters voiced their condemnation of Verizon’s corporate greed. Instantly, their messages started showing up on websites and message boards across the Internet, and even the FCC responded quickly, announcing plans to investigate the charge. A day after the so-called convenience fee was announced, Verizon caved to public and governmental pressure and scrapped the charge.

This type of public outcry is beginning to happen with ever-greater frequency.

• Netflix subscribers derailed the company’s July 2011 plans to raise prices and spin off its DVD-rental business by overwhelming it with more than 27,000 comments. CEO Reed Hastings instantly moved from media darling to media demon over night.
• In October 2011, Bank of America announced a new $5/month charge to use debit cards. In less than a month, more than 300,000 people signed an online petition to stop the planned fee, and over 21,000 customers pledged to close their Bank of America checking accounts. One news anchor even cut up her card on the air. By the end of Oct, the $5 fee was dropped.

These are just a couple recent examples of how consumers are flexing their newfound muscles. But rest assured, the war against consumer injustice is just beginning. We are witnessing the start of a new era – micro-movements. Here’s what may be happening in the months ahead.

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The sixth law of the future states, “The “unknowability” of the future is what gives us our drive and motivation.”

The fact that the future is unknowable is a good thing. Our involvement in the game of life is based on our notion that we as individuals can make a difference. If we somehow remove the mystery of what results our actions will have, we also dismantle our individual drives and motivations for moving forward.

There is a whole lot that we don’t know about the year ahead. Yes, it will be messy. Important people will die. We will not cure cancer, just yet. And we won’t find a solution for war. But there is great value in the struggle. Our greatest achievements will come from these struggles.

We can learn much about where we’ve come from, and for this reason I’d like to give you a quick overview of the top articles in 2011 on FuturistSpeaker.com, based on popularity. They touch on jobs, education, crime, food supplies, and most importantly, the future. Join me as we take a look at the future through the eyes of the past.

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“High expectations are the key to everything” – - Sam Walton

On a recent shopping trip, I went to three separate stores and had difficulty finding what I was looking for. On each of these occasions I talked with a staff person and they told me about an option that either wasn’t apparent to most customers, or that I hadn’t considered.

Yes, the online retail business is stealing a growing percentage of market share, but people-to-people interaction still matters. The problem is that it’s mattering less, and pricing competition is making the people-to-people option a luxury.

Our mobile devices are freeing the retail experience from the confines of the physical storefronts and traditional online locations, allowing shopping to take place virtually anywhere.

In the emerging customer-centric approach to retail, retailers will need to come up with new ways to engage their customers and find ways to lower barriers to purchase. Most importantly, retailers must be prepared to make a sale whenever and wherever a customer is ready. Here are a few thoughts on how they can make that happen.

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Understanding trends is more of an art form than an exact science. But for those who can read the tealeaves, and make bold moves, leveraging trends can give them a serious competitive advantage.

As an example, LinkedIn just posted its annual list of top buzzwords, the ones most commonly used on their members’ professional profiles. The top word people in the U.S. use to describe themselves on LinkedIn is “Creative.” Last year “Creative” didn’t even make it into the top ten, where “Extensive Experience” topped the list.

And it’s not just the U.S. This was the most used word in Britain, Canada, Netherlands, and Germany. So what business decisions will you make that tie into people’s recast dreams of being “creative?”

Obviously, trends don’t happen in one-year cycles. They are constantly evolving, and all of the content below is, in one way or another, already happening. Last week we began our journey with trends 1-14 of the “28 Major Trends,” and this week we will finish it. Here are trends 15 – 28.

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We are in for a very exciting year ahead. 2012 is a year where many competing trends will collide, and through those collisions we will see new pathways emerge.

At the same time, many new trends are forming, some with enough steam to form entirely new movements, others that will run their course and splinter into other emerging ways of doing business.

The “new normal” is quickly becoming the “nothing normal,” and our daily routines, the things we use to maintain our own sanity, will need to morph and change if we hope to stay competitive in the emerging job market and even stay current in our own social circles.

With this in mine, I’d like to take you on a journey into some of the trends I’ll be watching in 2012 as the tectonic plates of change inch their way into new positions. Here is the first half of the 28 major trends to watch in 2012 and beyond.

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Between 1990 and 2005, immigrants created 25% of all the publicly traded companies in the U.S. These included some of our best-known businesses such as Intel, Sun, eBay, Yahoo, and Google. This same group of foreign nationals went on to become the inventors behind 25% of all patents filed in U.S. in 2006.

Ever since the World Trade Center bombing, the U.S. has been tightening the screws on immigration policy. So much so that securing work visas for the thousands of foreign-born engineers and thinkers that U.S. companies desperately need for them to conduct business has become a serious impediment. Many fledgling companies simply can’t afford the effort.

Problems like this are screaming for a solution and a new startup called Blueseed, founded by Max Marty and Dario Mutabdzija, may have a solution.

Blueseed, now funded by PayPal founder Peter Thiel, proposes to create visa-free floating work villages in international waters, with the first to be located within helicopter distance of Silicon Valley.

So will this ingenious plan to circumvent U.S. immigration policy lead to more policy tampering and eventually an erosion of the power of nations? Here are a few possible scenarios that are sure to surprise you.

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If you listen closely you can almost hear the armaments of battle being rolled into place. The stage is set with warring parties getting organized and the frontlines prepared. 2012 is destined to become the most turbulent year on record, a battleground of epic proportions.

But the primary wars of 2012 will not be fought with guns, tanks, or missiles. Instead, they will be fought inside corporate boardrooms, hacker basements, offices of government policy wonks, startup garages, on central banking committees, and the entire monetary playing field. And while the battles won’t be fought with gunpowder and bullets, battlefield generals will be empowered to use the equally lethal weapons of reputation assassins, privacy snipers, and data-blackmailers.

The U.S. presidential elections are heating up. Dirty politics of the past will seem like child’s play compared to what is about to be unleashed in 2012. During these campaigns we will be witnessing full-frontal reputation-lynchings with play-by-play narratives telling us how to think, shown on every possible surface along the information highway.

The reason I’m bring this up is because the lawlessness with which national candidates use to conduct themselves on the path to getting elected, will set the tone for nearly every other aspect of social life. And this disruptive conduct will lead to problems and chaos like never before. But that’s just a small piece of the driving forces that will influencing our future next year.

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