Pre-lims: Banks create over 97% of our new money only as debt every year with nothing more and certainly nothing less than the accounting operation of equal debits and credits summing to zero

Retail sale is currently the only legitimate terminal ending point of the entire economic process where production exits the economy and becomes consumption. It is also the only universally participated in point in the entire economic process and is thus the only aggregative/macro-economic point in that same process. Furthermore, its universal participatory nature makes it the perfect place to implement a new operant/most effective concept because when you apply a concept you want it to operantly/most effectively…effect….everyone. (This in and of itself is a Noble prize worthy new macro-economic insight and, also by virtue of what the first policy I’m going to talk to you about does at that point.)

While changing the paradigm/entire pattern of economics and the money system is the capstone necessity, resolving the keystone economic problem of inflation (which the new paradigm mathematically and temporally effects) enables many ‘knock on” benefits. That’s why the 50% Discount/Rebate policy at retail sale is a paradigm change in a single policy, and every additional policy is simply a further stabilization and build upon the new paradigm itself.

Brush past your cynicism because it is not a valid critique and neither has it ever improved anything let alone actually resolved a problem. No one exceeds me in recognizing the failures of economic policies and the power of vested interests, but if you allow cynicism to stop you from doing whatever is possible to progress you lose that war without a single battle.

Keep your mind open and look directly at the mathematical and temporal universe effects of these policies because genuine paradigm changes are always initially considered absurd. This is because they are always in complete conceptual opposition to the new paradigm concept and the orthodoxies of the current paradigm…that the new paradigm renders fallacious or irrelevant.

Mathematically eliminate any possibility of inflation and all manner of beneficial economic effects are enabled. Like stable prosperity, ability to vastly improve and expand needed infrastructure, and the freedom to run virtually unlimited fiscal deficits to fund energy research and confront climate change.

The new paradigm creates a universally participated in infrastructure for the self actualization of Gratitude. This is because it is an integration of the most temporal human system, namely economics and the highest spiritual/ethical concept humanity has ever conceived and experienced, namely grace as in gifting and probably its most beneficial aspect gratitude.

Thats right with a policy of a 50% Discount/Rebate policy at retail sale we can have the new church of Grace As In Monetary Gifting every day, even multiple times per day and attendance is about 332,000,000. And billions world wide. Maybe we gift in return with a penney or nickel per $10 total purchase to go to our favorite charity. Grace evokes graciousness which is acting with love.

So be it.

Every impossiblity becomes a reality with the correct new paradigm/applied concept.

Book about actually seeing the present moment instead of simply abstracting it.

Think about this: a 50% Discount/Rebate policy at retail sale where everyone can buy a $60k automobile for only $30k and a $400k house for only $200k would actually be the greatest leap in the self actualization of gratitude since meditation and prayer. Why? Because not everybody meditates or prays, but EVERYONE DOES participate in retail sale, and the normal and natural mental reaction to receiving a gift is gratitude.

Furthermore, in my book Wisdomics-Gracenomics I even have a policy proposition that the private banks “couldn’t refuse” and would make that automobile cost you only $15k and that house only $100k. And these utterly anchored temporal universe realities would be created by nothing more and certainly nothing less than the accounting operations of equal debits and credits summing to zero. Thats right
“bean counting” is the vehicle for the greatest creation of grace as in gratitude mankind has ever had. But then paradox and its resolution has always been a signature of both Wisdom and Grace. You want your mind blown by hope? Investigate Wisdomics-Gracenomics.

This is insightful, and why my book Wisdomics-Gracenomics is so important. The word Gracenomics is derived from the words economics and the natural philosophical concept of grace as in monetary gifting.

Exquisitely intelligent economists like Steve Keen and Michael Hudson have missed the fact that paradigms are specific, operant single concepts…simply because they’ve never analyzed the economy and money system on the paradigmatic/operant conceptual level. System change is incremental and largely palliative. You want significant as in transformational system change? Find the specific SINGLE concept that applied changes the nature of the ENTIRE pattern(s) under analysis.

And if you REALLY want to change things discern the single concept behind EVERY historical paradigm change…and that just so happens to be the natural philosophical concept of grace as in love in action. Just find the relevant aspect of the concept of grace and find how most efficaiously to apply it to the system under analysis. Thats the true and ending starting point for analysis.
Final hint. One of the cardinal signatures of paradigm changes is inversion of temporal universe reality. Like for instance The Copernican Cosmological paradigm change from geo-centrism to helio-centrism was nothing more and certainly nothing less than the inversion of the positions of the earth and the sun. What if the ecological answer to climate change is Cosmic-Production instead of Geo-Production? And if we remedy austerity, inflation, cost and self interest resistance with the policies in Wisdomics-Gracenomics, that would enable the running of sufficient fiscal deficits to fund the mega-projects necessary to accomplish such an inversion of temporal universe reality.

It’s not only a wildly and universally beneficial paradigm change in the economy and money system, even more importantly its the fastest, best and most universal way to self actualize gratitude/thankfullness since meditation and prayer. And, not everyone prays or meditates, but everyone DOES participate in retail sale.

And, with a a little bit of study it also enables us to see that the temporal universe effects of the natural philosophical concept of grace as in love in action has always been an aspect or aspects of every historical paradigm change, which means that grace is actually the most evolutionary concept humanity has ever conceived and/or perceived. In other words it’s the pinnacle concept of both Wisdom and temporal universe positive change.

Hi, ______________ I’m quite sure that you will be in complete agreement with what I have to say in this post because it is probably the greatest opportunity to integrate a grace/gratitude evoking experience into the everyday life of everyone that humanity has ever had. That’s a bold statement, but I stand by it, and if you stay with me here I think you will agree.

Two little preliminaries before I give you the exact ways that this could be accomplished. #1 Who participates in retail sale? That’s right, everyone. #2 How do banks create new money? By doing one thing, creating the accounting operations of equal debits and credits that sum to zero. Consult Steve Keen a world famous economist if you disagree or want proof of this, but its a fact, a very powerful fact for the banks…and for everyone else…if that same thing is utilized to evoke the grace/gratitude experience I’m talking about.

Okay, buckle up. A policy of a 50% discount to the individual at retail sale (that remember everyone participates in), every penny of which discount is rebated back to the merchant giving it to the consumer (equal debits and credits that sum to zero), so that the merchant is made whole on their entire price. This (amongst several of the other major problems the economy is afflicted by) would immediately, mathematically double everyone’s purchasing power. In other words you (and everyone else) could get a $10 burger combo for $5, buy a $60k Tesla for $30k and a $400k house for $200k. This is a paradigm change in economics…with a single policy. Stabilize this new paradigm with a dual 50% graciously gifting policy at the point of loan signing where the bank is gifted half/50% of the interest it would get on that now $200k house in exchange for reducing the loan by 50%…and you get a $400k house for $100k.

So now you can go to the store, and instead of grudgingly saying, “Dang! Oreos are up another 20%!” you instead have the opportunity to say, Thank you Mr. merchant! Thank you monetary authority! Thank you my congressional representatives! And thank you Steve Hummel for being curious enough to discover how to implement these two gracious policies…that have evoked in me this wonderful feeling of gratitude…and all I had to do was buy something!!!

Stay tuned for more of the beneficial policy program of what I call Wisdomics-Gracenomics which you can find on Amazon, including what will not only increase GDP (Gross Domestic Product), but a new “stat” GEDP (Grace Evoking Domestic Product).

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Hi, my previous post here on (date) showed how two policies could mathematically enable everyone to buy a $60k Tesla for $15k and a $400k house for $100k. Today I’m going to show you how another single policy, combined with those original two others, will end poverty forever, enable us to completely eliminate the greater part of the payroll taxes you and every enterprise pay, cut individual and corporate income taxes and enable approximately 98% of college students to graduate without having to borrow a single dollar and enjoy a comfortable lifestyle while doing so.

Please pardon the brief pitch of my book Wisdomics-Gracenomics which outlines the entire policy program of this new economic paradigm which you can find on Amazon, but I hasten to add that the reason I wrote the book was not just to enlighten everyone about how to have life long economic security, it was even more so to find a way for everyone to everyday and continuously evoke and self-actualize gratitude which is a much greater blessing than mere economic security. Just for good measure you could saunter over to my substack and patreon pages

Okay, using the same accounting operations of equal debits and credits that sum to zero, if the monetary authority also distributed a $1000/mo. universal dividend to everyone 18 years of age and older then that policy combined with the 50% Discount/Rebate policy at retail sale would give every citizen $2000/mo. worth of purchasing power…for life. In other words $1000/mo. plus a 50% discount at retail sale translates into $2000/mo. worth of goods and services which becomes $24k/yr. per individual which is above the poverty line for an individual. It also becomes $48k/yr. for a two adult household…guaranteed.

Now, lets say a university’s tuition is $7k per semester so normally it costs a student $14k/yr. to get their education. The university’s retail product is its tuition so their 50% discount to students makes the cost to students $7k divided by 12 monthly payments equals $583/mo. That leaves the student with $417 of their $1000/mo. universal dividend which will purchase $834/mo. worth of goods and services. Better than ending up with $50-65k of debt after four years of college and the inability to buy a house and get on with life…don’t you think?

Thank you Steve Hummel for finding a way to completely transform the economic system from one that routinely enslaves the individual with debt into one that not only serves and provides for everyone, but enables them to feel gratitude which is a greater gift than any economic benefit.

But I digress. How does this policy enable us to eliminate most payroll taxes? Well, if every adult is guaranteed $24k/yr. worth of purchasing power with the 50% retail discount and the $1000/mo. universal dividend policies, then why would we need the payroll taxes for welfare and unemployment insurance? These policies have rendered such taxation completely redundant and so they could be eliminated. Thank you, thank you, thank you, a hundred million daily opportunities to experience gratitude. Do yourself a favor and visualize that solid temporal universe reality for everyone, accomplished simply by using accounting and a new applied idea also know as a new paradigm.

Next time we look at what some of you are probably saying to yourself, “Yeah, but what about inflation?” Well, it not only ends forever, but we get what is currently considered impossible, namely BENEFICIAL price and asset DEFLATION. Stay tuned.

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Inflation and the cardinal signature of every historical paradigm change

Rebutt cynicism/Remember we are many and the opponents of the new paradigm are few/mass movement/Marx’s revolt of the beourgeise

The concept behind every historical paradigm change and its incredible power for both the individual and our systems

Call to action speech

Pay people to learn and do both inward quieting and outward looking meditative work every day .

Implement the gratitude evoking 50% Discount/Rebate monetary gifting policies at retail sale and at point of loan signing.

Pay (if necessary) merchants to have a humor track play in every store, office or government facility with ability to temporarily mute it. Laughter is rejection/release from personal mental reality and a joyous opportunity to experience the present moment where the experience of grace resides.

Blessing Walks. Pay/give credit in some way for walking outside and looking at things and actively expressing blessing for everything you see, feel, hear etc. Thank you flowers, thank you obscure point on any object that you look at, I affirm your existence, thank you space that touches my body and within which everything around me exists, thank you for the distance between me and (object), thank you for this moment…and the next moment…and the next moment.

Ask yourself: Have I ever experienced this moment before? Have I ever experienced this object, detail, space before? Nowness, newness and the experience of space itself are aspects of love/grace and being in the present moment has always been pointed to as where enlightenment is found.

Develope an affirmation track of the aspects of love/grace with the cooperation of the enterprises that market such knowledge, pay a percentage of its price to be played in retail and other environments.

Encourage enterprise to have vocalists sing in their stores.

Have Ai companions who converse, answer questions, help customers find what they’re looking for and always respond in graciously friendly ways built into shopping carts.