personal-finance

Posted To Ellen Brown’s Scheer Post 10/05/2025

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Lots of agreement here about what the problem is. Wonderful! Now what we need to ask ourselves what is the most universally participated in and efficacious point in the economic process to implement the solution of debt free money, i.e. Monetary Gifts? Well, everyone participates in retail sale or if you’re a minor you’re effected by the price at that point. So if you implemented a 50% Discount/Rebate policy there you’d be able to get $100 worth of groceries for $50, a $60k EV for $30k and a $500k house for $250k. But wait! What is the retail point of Finance? Why its your automobile or mortgage payment? So with the 50% Discount/Rebate the central bank pays 50% of that payment meaning you get a $60k EV for the equivalent payment of a $15k loan and a $500k house for the equivalent payment of a $125k loan. And yet with the rebate aspect of the policy every commercial agent gets their full price or full amount of interest. The 50% Discount/Rebate policy finally universally and beneficially integrates the wholly exterior parasitical costs of Finance INTO THE COST CUTTING/FRUGALITY/COMPETITIVE/LEGITIMATE ECONOMIC PROCESS. Hence it ends Finance standing like a colossus astride the nation and the world and makes it just another business model that still needs to be sanely regulated and forced to be competitive by creating a CBBS Competitive Back-Up Banking system where if you’re creditable (read everyone with a $1000/mo universal dividend and the 50% Discount/Rebate at retail sale) one can get a 3% loan if the private banks won’t grant you that rate.

Finally, finally, with the above policies…its Christmas every day of the year, or if you’re my wife 3 times per day, only kidding honey, and makes participating in the economy the greatest opportunity to self actualize gratitude for a gift since meditation and prayer. Do you think that might take the edge off of the socially scary mood the US and the world is presently in?

Posted To Steve Keen’s Podcast 05/16/2025

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You’re quite right that neither the left nor the right think and/or are offering any kind of actual change in economics. And yes there is plenty of delusion around in economic theory, but what is the solution? Its a true Hegelian synthesis/thirdness greater oneness of the problematic duality you point at of capitalism vs socialism. And you guessed it, this thirdness greater oneness is accomplished by discovering and implementing the thing no one is talking about…the new monetary paradigm concept of Direct and Reciprocal Monetary Gifting with its entire policy program but most importantly, because it is the very expression of the new paradigm, a 50% Discount/Rebate policy at retail sale. That policy must be broadcast to the masses and demonstrated to them until until it becomes “an idea whose time has come”.

And who is going to say they don’t want to be able to buy $100 worth of groceries for $50, or a $60k EV for $30k at retail and then when they finance that $30k they only have to pay 50% of the monthly auto payment (because the auto payment is the retail point of an auto loan) which means they get a $60k EV for a payment of the equivalent of a $15k loan. Same applies for a mortgage where the home buyer sends you to finance a $500k house for only $250k because the government or central bank is sending them $250k as the retail sale rebate and then you go to finance which creates the other $250k and sends it to the home builder and yet the government/central bank pays half your mortgage payment so you’re getting a $500k house for the equivalent payment of $125k.

Again, who is going to not like this? No one. Who is going to demand this? Everyone. Even the banks can like it because the market for $500k houses that they get full $250k interest on just quadrupled because the consumer only has to pay half the monthly payment.

Plenty of other policies in the entire new paradigm program that stabilizes the beneficial deflation which slam dunks any gaming, cheating and ignoring of the new rules, that

mitigates over consumption by creating a huge investment incentive in eco-energy

R & D and infrastructure bonds at 5-6% with a sliding scale required “tax” of gifted income, etc. etc.