For Consumers:  Suppose I told you there was a way to put $1500-2000 per month into everyone 18 and older’s hands every month in addition to whatever they made via employment and was available to everyone whether they worked or not, that there was also a way to reduce prices by 40-50% further raising your purchasing power, that enabled you more free time and more choice in what you wanted to do with your life, that would enable every college kid to live independently from their parents and in the vast majority of cases not have to borrow any money at all to go to school and finally that actually lowered your taxes and if you’re a small to medium sized businessman actually enable you to make more profit to boot. Would you be interested in any of that?

Good. Let’s see how we’re going to do this.

As businessmen, most of whom started out with a loan in order to begin your business, you know that not only do you have to pay the Bank more than you borrowed , but you also have to replace your productive equipment and facilities as well as pay for lots of other expenses that were not a part of that original loan.  Now the cost accounting convention that all costs must go into price is also a reality that you may or may not be aware of, but unless your accountant is a former employee of Enron he or she can confirm to you that it is an enforced fact. What that convention thus tells you is that as a flow your enterprise, and every enterprise, creates more costs and thus requires more total prices than it has ever distributed to individuals including your management team and yourself…as incomes. If you’re very hard working, smart and probably also lucky, because the system is very difficult if not onerous…then you may make a profit and survive.  But what does this enforced reality of costs/prices are greater than individual incomes distributed mean so far as the system is concerned?

It means the system as a whole, the macro economy…is unstable due to it being cost inflationary ( that is costs/prices exceed individual incomes to liquidate production) and that consequently it won’t clear, it cannot actually clear as a system. And so eventually the wheels fall off the system…and your enterprise suffers or goes out of business as well…because its a part of that system…That is it will suffer and possibly go out of business unless there are ways implemented to increase individual incomes that don’t burden you the businessman with an additional cost and that also keeps prices down too.

So here is how that would work:

First let me lay a little mental ground work here. Freedom is freedom, and policies that effect both individual monetary freedom and systemic free flowingness are by description and by logic, ….freeing.  A = A as the logical syllogism goes.

Hence a policy of monetary gifting can increase individual incomes that are scarce without increasing costs,as a gift does not require re-payment. 

Now someone probably just said, “Ah, but that would cause inflation.”  But what if a gift of a discount to the individual consumer by retail merchants that was reciprocally gifted back to the retail merchant?  This reciprocal gifting adds no additional costs to the merchant or to the system and also prevents inflation because of the discount to retail prices.   Now such a discount mechanism, because it is based on aggregate costs is a macro-economic tool, and also because of where it takes effect which is at retail sale where total costs for every item or service is terminally summed it can also be made to create proactive price deflation…even within a profit making system…because you could totally reduce the average 40% of costs caused by interest because such discounts the Banks would give consumers they would be rebated back. Also, you could totally reduce the large percentage of transfer taxes that businesses and individuals pay because again the universal Dividend mechanism could totally compensate for those costs.

Again, retail sale is the terminal end of the economic/productive process so no enterprise is punished by a discount at that ending point…especially because  those discounts are fully rebated back to them. Finally, as the discount only occurs after an actual sale of goods or services…it cannot result in too much money chasing too little goods.

Now what are some of the additional advantages to both the worker/consumer and the businessman to such policies?

Well, first of all it puts a lot more money costlessly into the system making it much more likely that the consumer will have income available to purchase your products or services.

Secondly, as just shown, if the universal Dividend payment and discount percentage are are high enough….the taxes that both individuals and businesses pay for unemployment insurance, welfare and eventually even for Social Security….immediately become redundant and unnecessary.  How much moreprofit would you make if you didn’t have to pay those taxes? A lot more profits is the quick and correct answer.

The truth is Dividend and Discount policies would immediately create more profits for business, more freedom for individuals and more reduction in government bureaucracy than the utterly contentious and mutually stymieing political  agendas on both the left and right have been unable to accomplish….since forever!

Integrating Gifting into the economic and money systems  with such policies is “all good” for both the businessman and the individual.  And it’s also good for the society as a whole. For instance, if we didn’t have to worry about unemployment due to the Dividend and Discount mechanisms  and businesses were making more profit….the economy could re-industrialize and become more whole and self sufficient than sending all of that production over seas which hollows the economy out and creates a lot of costs for transportation of  foreign production back to us. Another way we all benefit is the abundant and additional incomes distributed by the Dividend and Discount would enable a lot more families to  have the option, if they chose to do so, of only one parent having to work, or perhaps only work part time enabling more quality time parenting. It’s about time theorists stopped pretending that parenting has no value both to society and ultimately to the economy. It’s actually more noble and just as valuable as entrepreneurial-ism.

So what stands in the way of these relatively simple and yet very powerful policies from becoming a reality? The biggest and most obvious obstacle is undoubtedly the Too Big To Fail Banking monopoly and their allies in industry and government. Why? Because these policies strike at the heart of their financial monopoly powers of credit creation and their utterly restrictive control over the variety of vehicles for credit distribution. In other words they don’t want anyone other than themselves creating money and they particularly do not want money distributed as a gift because they do not make any profit from monetary Gifting….even if it sets both the individual free and makes the system free flowing which is precisely what I have just shown you these policies would do.  But my question both to them and to you is: Where does it say in free market theory….that only one business model can create money and only in the form of a loan ….is perfectly okay?  No where of course is the correct answer. In fact such a state of affairs is a complete outrage that honest and well meaning individuals should rise up against and then implement the policies that will bring freedom! 

And this is where an integrated and focused alliance of small to medium sized businessmen, which is the vast majority of the total business community, and consumers which is everyone, can have an immediate and very powerful social and political effect. And that is why I am asking you to read and think about these policies with an open mind, contribute to what I refer to as Project Monetary Wisdom and Grace and help me develop the mass social movement that can herd the entirety of the political apparatus toward implementing these abundantly freeing, constructive and graciously powerful policies.

As caring Americans we all want more unification and progress toward a better life for all. These policies can make that happen. God bless the American people and the nation they wisely and graciously want it to become.