Posts Tagged ‘basic income’

Here are 2 hilarious guberment finance innovations of mine (and with 2 I mean 4)

October 10, 2017

To start by poorly quoting Jack Ma: “I always look where the money ends up”

To sort out government finances we should start by simply looking at that: Whereto all of the monies goes?

Usury laws have of course long been abolished in the cleptocratic corporate theocracies of the world.

Most important: Rent/mortgage and Energy. Food is still remarkably cheap because our owners didn’t want farmers ruling the world. Farmers are much to advanced at looking far ahead in time. In an equal game vs the corporate quarterly reports they would pwn the unwashed managerialists.

Rent is of course the worse! In countries and cities that escaped carpet bombardments houses may be many hundreds of years old with renters endlessly paying for the “privilege” of living in a house in a country that is claimed to be theirs.

Sure, we periodically put some new wood, bits of plastic and bits of metal into the buildings, renovations that costs a shit load of money. Not that construction workers earn that much but they some how miraculously cost a shit load.

We should really turn rent into a lease-buy contract retroactively. Those few people riding along on the gravy train that is YOUR labor should really not be entitled to enjoy endless exploitation. Investments should have reasonable returns and come with reasonable risk. We’ve zeroed out the risk for much to long (to the point of people paying rent for flooded houses) that it is perfectly fair to now max out the risk and have the people who paid to live in the house take ownership of that what they paid for. I don’t consider this an invention tho, it is just obvious.

The first invention is to create government mortgages at zero percent interest with no obligation to pay anything back until the house is sold with a maximum of 300 000 Euro or Dollar. Furthermore, these financial instruments granted to the citizen may not be sold to other parties until the entity holding them goes into bankruptcy , until that time they are simply part of their balance sheet. The only thing the citizen pays for is a bit of insurance, some 10 to 30 bucks per month and any borrowed amount beyond 300 k.

The second invention is what I call TAX MONEY. This newly coined coin is issued by government every 6 months and they expire after 12 months. Government uses this coin to pay its employees and to buy services in the public sector. Citizens may use this coin to pay taxes over the 12 month period OR they may pay 200% taxes using the normal currency. This  creates a highly speculative investment vehicle with varying supply and demand. Government spending may cause radical inflation and deflation, the currency may implode or grow close to 200%  of its initial value.

Taxes are paid at a fixed ratio where 1 coin is 1 unit of the normal currency. If you make a purchase worth 100 Euro and have to pay 20 Euro worth of tax on top of that you can pay 20 tax Euro or 40 normal Euro. If the exchange rate is 10:9 you can of course conveniently use your phone to buy 20 tax Euro for 18 Euro on a private or government currency exchange.

Besides the above described weirdness of the system it creates the totally weird situation where we want government to spend enough tax money to drive down the value of the currency. Government overspending makes the currency crash rendering a few months worth of tax free shopping. A few (or many) speculators will probably get stuck with unspent taxes but that is simply the risk of their game. Others might wait until the very last moment to pay their taxes waiting for favorable rates. If that doesn’t happen they end up paying 200%.

Government pensions and other kinds of social support (like a basic income) are paid in tax money but the amounts are in normal currency. If tax Euroes are worth 50 cents and the social support is 1000 euro you get 2000 euro.

However, (to make it all work) all monthly payments in the country (where possible) shall be paid per day.

in stead of working a day then having to wait up to 3 months for that day worth of salary to be paid it shall be credited before the end of the day (24:00)  If for whatever reason the salary is not paid the same day government will credit the missing money and the entrepreneur will pay 1% interest per day. This money will be hoarded into an account to pay for all those missing salaries. You can still pay 90 days later, you just have to pay roughly twice as much.

Now I understand this is all very hard to grasp for many readers (as if I have many readers HA!) but I assure you it removes tons of complexity from both civilian and government finances, it completely gets rid of a good number of awful risks and it brings a ton of fresh money into circulation without the risks normally associated with governments “over” spending.

Without housing cost people will have much more money in their pocket and the tax system is such that it dynamically adjusts to whatever weird things unleashed onto the country.

If there is a billion or two needed for some disaster management the money is instantly available AND TAXES GO DOWN so that people have some extra money to figure out what to make of the situation themselves.

The only down side is that during high government spending saving up your social support (or your basic income) might be a terrible idea. Then again, if government is cheap and efficient you might hold onto it for as long as possible.

All the ups and downs make for a wonderful landscape for speculation and by that process much of the national risk is delegated to the speculators. As long as the financial game is limited to registered citizens the winnings will simply be returned into the national economy.


Educated slaves are unhappy

November 12, 2015
Making college free without solving other issues like how we push all children into college without a thought about the degree they choose or whether they are really capable of college-level work, or how tuition and textbook costs keeps raising at incredible rates while classes are cut is not going to be feasible. Is the government supposed to keep up with the inflation of tuition? Will taxpayers be expected to subsidize a student who fails out after a year because they were ill-prepared to begin with? Will some degrees with lucrative careers and available jobs be covered while others degrees are less or unsubsidized? Will higher rated schools be treated differently than lower rated ones? Will we subsidize trade schools for mechanics and electricians the same way we subsidize colleges for lawyers and doctors? I agree completely that the student loan issue in America is out of control and will only bring our country down in the long run. Hell, between my husband and myself, we are over $200,000 in debt from college, law school, grad school, and, of course, interest. We were lucky- both of us found jobs in our fields after only about one year of unpaid internships. There is a lot of change needed in our educational system- starting in K-12- that needs to happen. It won’t all be solved by making college free. That works in other countries because they have an entirely different system of education from childhood. College, even free college, is not a panacea on an individual or societal level.

In stead of tweaking an almost unworkable formula/system we should start from scratch.

I’m increasingly of the opinion that attempts at destroying (including profiteering) an education system should be considered high treason as disarming the citizen intellectually effectively puts control of the country into foreign hands. Consider it a last line of defense.

I would also like to see it written into law that education should aim to empower the student so that she may contribute to the wellbeing of the country – in the most general sense thereof.

While might not make up a large percentage, besides from reading and listening there are many other parts of education that do require expensive tools and materials. I suggest we deal with those with an entirely seperate formula (not described on this page) as to not confuse the cheap with the very expensive.

After cursory examination, most education does seem to involve reading texts, listening to speech, asking questions and getting answers. The only expensive thing is student time. The price of student time depends on her food, housing, cloths and recreational activities.

Having an expensive building (shall we say a learning factory) was essential before the digital age. Putting it in an urban area makes both the building and the student housing much more expensive. Government has plenty of ground to provide these things at construction price if they are needed for the type of course.

Getting the students involved in growing food and in building the facilities should be considered high value education as these are the things we eat the means by which they are grown makes up valuable content just like construction is valuable to experience. I’m by no means suggesting everything should be grown and build by the student but borrowing money to have others do things for you that you can do yourself is stupid.

A very important part of education is the selection of the curriculum. This should be done out in the open and be subject to as many views as possible, specially those from companies who are expected to buy the end product.

Things that are considered important to the curriculum should be written up by the private sector, be carefully examined, corrected and brought up to standards. The text should then be frozen until it can be shown to be outdated. For most material government should pay for this. Books should be available but the student only needs a digital copy that can be provided for free. We should aim to have the copy in their possession many years in advance.

For example: On irc I see 2 types of programmers. The first started at age 9-12 and gradually learned quite a lot quite modern ways. The second only started programming when school required it. The later is bullshit, the material should have been in their hands 10 years earlier so that they can reap the fruits of that random moment of curiosity.

Think of this completely ridiculous moment where we all of a sudden ask the teen: so, uhhh, what do you want to study? Think of how easy that decision would be if they had been gazing over the materials for 10 years and accidentally managed to read some of that biology, physics, chemistry, law, engineering, etc etc etc etc Everyone would be able to find at least one thing that tickles their fancy.

Khan academy is doing great work monitoring student progress but I find the videos rather dull, lacking special effects and famous actors. They are about as low budget as a guy in a closet recording a youtube video – in the most literal sense thereof. If we aim to educate there should be no excuse making it needlessly boring. We have technology that can keep any person in constant awe. Boringness is putting serious limitations on the amount of material one can absorb. There cant be an excuse for it.

Non of this is radical in my view.

If I had it my way the expectation for people to work their whole lives would be extended to the expectation for everyone to learn new things their whole life. I would cut down the number of hours one is expected to study and cut down the number of hours one is expected to work. I’m thinking of some ratio like 5-6 hours of work and 2-3 hours of education.

Multiple teachers should be available to answer questions in a split shift and they should be required to have a regular job unrelated to their teaching. Some ratio like 2-3 hours of work outside teaching and 5-6 hours on public video chat. Each question should be carefully written down as to create a search-able archive of Q & A.

I’m all for people learning the arts but if they have to sacrifice their ability to have a career and the economy while confusing the purpose of education it ain’t worth it. In stead we should have industries inspire us about the future of labor requirements.

One obvious drawback seems to appear in tenured professors and university research but after bringing the whole population up to high standards we will be quick to fund such projects and laboratories. Forcing other people into debt so that one can be a tenured professor is senseless. If we want them to do research we should chose to pay for it with money we have not be forced to pay with money we don’t have.

But my world view gets much more radical than this….

In order to have an economy that serves humanity in stead of having humanity serve a self-serving economy we need wealth redistribution. Now there are lots of ideologies against socialism, a basic income or any other kind of something for nothing but at the end of the day we need educated workers and business should not expect something delivered to them for free. As a capitalist rule: If something is free it probably sucks but you certainly dont get to complaint about it.

Over the last 200 years we went from 100% occupation in agiculture to a tiny 3-5% had we desired it we could have build the slacker culture many many years ago.

In stead we have a huge percentage of people who are merely pretending to be bussy in order to get a pay check. Neoliberalism certainly doesn’t care what kind of economic activity one engages in. I imagine the ideal neoliberal world to be dildo factories as far as the eye can see. 17% of which can be delivered to your door in 20 minutes. While its idea of growth here is to aim for 18% and 19 minutes.

In stead we can build a much more powerful economy if education is permanent and dynamically delivers that what industry needs while the needs of industries are defined by the customer. Therefore, as a means to avoid the “horror” of something for nothing we are to pay people to accomplish this education.

This is a perfectly socialist and a perfectly capitalist idea that fits perfectly in our economic system.

For example: Soon we will need many people in the field of machine learning. If we leave this to public curiosity and existing education we will first have a 100% male nerd population do the ground work then, 20 years after the fact traditional education will pick up a wildly distorted version of it and talk of great people (read male nerds) who did the ground work while they contributed next to nothing. They might even be teaching that heavier than air flying machines are impossible while the airplanes are flying over the university. Stranger things have happened.

Look around you, this is a world dominated by senseless entertainment. That didn’t happen by acident, it is what people know. It is the type of high end media we’ve delivered while we’ve failed to inspire and teach.

It isn’t unreasonable to argue that in the post-agricultural world one could work 6 years while young then be a slacker for the rest of the life. We didn’t want that world. Why should education be any different? Why would we learn things when we are young and be an ignorant oblivious retard the rest of our lives? It does take a specific kind of training to want all these different dildo’s and it doesn’t involve math, business, history, or any formal type of training.

All the bullshit variations of arguments like overqualified employees being unstable and professional training causing civil unrest are simply the 21th century version of “educated slaves are unhappy”.

Surely the problems you see in the above is not that you object to it but that you can read it!?!?

Or…. maybe not?

Thanks for your time

How I would rule the Netherlands

December 26, 2014

I propose that we use our government to seize all industries without innovation, banks may borrow money from government if they want to lend money to people (rather than just create this money themselves) All types of innovation will be subsidized until there is nothing left to further develop, then the government seizure kicks in.

Then we pay each Dutch person a dividend of roughly ten thousand Euro per month, 2 thousand if you leave the Netherlands (please go away if you don’t like it here)

Then you will see what kind of economic growth that produces. Non innovative companies can leave their bags behind and go do their things elsewhere, because a trick anyone can do – anyone can do!

Private and corporate mortgages wont be paid off, you have a house or building that backs your debt, paying is nonsense. Only the difference between the debt and the value of the building has to be paid. Interest on mortgages will also be abolished.

Programming will start in primary school and drivers licenses will also become part of the basic curriculum (just like in the US) Road tax will also be abolished.

All forms of advertisement will be made illegal, on television only lectures and documentaries may be broadcasted, on university level, and peer reviewed.

Education will be free, there will even be an appropriate monthly bonus for each diploma you obtain and a similar bonus on scale for strength training and for having a good condition.

Build windmills en mass, flywheel energy storage to bridge the periods without wind, then free energy for everyone, corporate and private.

Minimum wage, social support and government health care will be abolished, you will have enough money to pay for that yourself, and if you like working so much you can do it for free.

City hall and other government buildings get party halls open 24/7, with live music, smoke and beer etc. Such nice A locations should be profitable. They make lovely coffeeshops where everyone in Europe is welcome.

Internet and telephone will be free, the self driving cab and public transport will be free too.

Then we build excessive numbers of houses to drive down the prices. Not the old fashion crap but high tech state of the art, with a little door behind which every possible order magically appears in 5 minutes.

Then, politically we will ridicule other countries, point out how silly they are. This is necessary to prevent them from doing something against our elaborate freedoms. With little effort they will be much to busy at home keeping their fairy tales alive to be able to worry about us.

There will be a holiday park for each country so that a good number of civilians can visit the Netherlands (preferably free) and see with their own eyes how fantastic we’ve organized things.

If there is some kind of issue some place then we get on our bicycle, hop in the train or take the car and go there, all together, to fix the problem. Just for the fun of it, if you don’t want to come you should stay at home with your sour face.

If people get to lazy we lower the income and introduce forced labor for everyone, 7 days per week 6 to 20:00 military time! Work until the backlog is cleared out.

For addictions one will first get many warnings but eventually you will end up in forced treatment. Nice, a month worth of sports in some park with other crybabies who also don’t have cigarettes.

There will also be a voting diploma, if you don’t know what you are talking about you should shut up and look away. If you really must vote then you can follow the course – with your fat lazy ass.

Armed with the appropriate diplomas you will take the political decisions, at home, on the computer, using the big evil internet.

I understand that you are a bit frightened by all these responsibilities, but we are going to pay you for it, after we take your fake job away from you it isn’t like you have anything better to do.

And if you want to cry, when you see that machine doing your work so much better than you ever could thats okay. Just as long as you go do something fun after that. You could for example go to school and get a real job helping with further automation, or you can go to the beach Go figure!

Je Maintiendrai !