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  • Reflection

Civic Capitalism

by Optimist on October 17th, 2011
Posted In: Economy
Optimist

Best to start from the beginning. What is capitalism? Wikipedia says:

Capitalism - an economic system based on private ownership of means of production , namely capital , which is maximized by the owner.

The capitalist system is based on the principles:

  • free circulation of goods and services
  • free competition between operators
  • free circulation of capital and the means of production.

As you read this very clear definition, the key is the capital. Thus, the area on how it directly affected the capitalist system depends on what is in the definition of capital. Now is not that capital is in the form of private property, intellectual property or expressed in money. The weakness of this approach is that the profit that results from trading capital accumulates only in the institutions which control the capital. The problem is that a worker who makes virtually the same capital market (the owner gives him just the disposal) has no real part in the distribution of profits generated by it. This ensures that there is great variation in the accumulation of that profit. So we have a small, relative to the number of employees, host of rich owners and poor class of employees. This concentration of capital makes the rich become even richer, and the employee becoming poorer in relation to the owner of capital.

To change this system, you need to make a revolution consisting in the fact that capital to expand the definition of human capital. He wants to make a financial dimension. The valuation of personal capital consists of:

  1. education (each school, faculty, and other formal qualifications will have a different value!)
  2. experience (over this value will increase, at the start will be 0.00 zł),
  3. skills (proven practical skills),

As this is work?

  1. By law, the initial value is determined in our personal capital. Why so? Because this approach provides equal opportunities. A young man taking a decision about his future career dates back to the table with the law and see what will be its market value after completion of the educational process. Black on white see if it's worth a try, build on your own personal capital or believes that he has enough. There is no better motivator for self-education, as the situation where a young man sees what this will actually have.
  2. Personal capital is composed of two parts: the initial capital, which shall be discontinued at the time of death and usable capital, which is created by the profit generated by us.
  3. Now, about where they jam. Well, our private equity capital enters the company that wants to use our knowledge, experience and skills. If the business is profitable, it increases the value of the company, while increasing the value of our personal capital. At a time when a company wants to give up after years of our capital, we must then pay the difference between the current value of our personal capital minus the initial capital and pre-paid monthly benefit.

An example of such a settlement:

  1. the initial capital - 1 000 000,00 zł
  2. time - 5 years
  3. Monthly service - 3 000.00 zł
  4. our capital leasing company declared an average return over the 5 years - 5% on average,
  5. previously downloaded services - 180,000.00 zł
  6. profit generated by our initial capital: 1 000 000,00 zł x 5% x 5 years = 250 000.00 zł.
  7. to be paid - 250 000 zł - 180 zł = 70 000.00 000.00 zł
  8. our personal capital after 5 years - 1 250 000.00 zł. (Initial capital increase with additional skills and experience we gained during this period).

The advantages of this system? It is colossal! Let's say that the company teamed up with us, that as much invested, it may benefit us to pay EUR 2 000.00 zł per month, and not as in the previous example - 3 000, 00zł. How will this affect the settlement?

  1. the initial capital - 1 000 000 PLN, which is the same.
  2. time also the same - 5 years
  3. Monthly service - 2 000.00 zł (it has negotiated a change),
  4. leasing company, our capital, through investments generated a greater profit - 6.5% on average,
  5. taken by us to provide 120 000.00 zł.
  6. profit earned by us: 1 000 000,00 zł x 6.5% x 5 years = 325 000 zł.
  7. to pay - 325 000,00 zł - 120 zł 000.00 = 205 ooo, ooo zł.
  8. our personal capital after five years of work - 1 325 000.00 zł.

As you can see examples of such a system means that companies will no longer get rich at the expense of today's workers. The amount specified in the calculation in the position to be paid, remain in the company, and we go into the street or to another job where we start from the beginning. In the new system, the next tenant of our personal capital gain is calculated from the our new basis, ie as in the last example not 1 000 000 PLN (initial capital), only 1 250 000,00 zł in the first example and 1 325 000, oo zł in the second.

Loses its importance and the fact that the company pays us a little or a lot per month, because, and so anything that we do not lose! Underreported wages, does not give us the extraordinary profits which it currently is in the event of termination of employment.

I wonder what you say.

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Continued ...

by Optimist on October 17th, 2011
Posted In: The Future of the Movement of Support
Optimist

As you can see, started the stormy debate over the theses contained in the previous article, "Best of What's Next?", Which meant that I decided to add fuel to the fire. Let me expand on throwing under fire idea for a company of citizens. A distinguishing feature of such a company is that, unlike the classic commercial companies, the capital investment, the company will be civic knowledge, skills and competencies of the company. The more of these have a partner, the more you get the shares.

What this solution provides the benefits? Maybe give them a lot. I will try to enumerate some of them on the example of accounting services:

  1. this type of company provides clients with accounting services at market price. Partners provide services in exchange for a monthly benefit that is the cost to the company. The rules for calculating such costs and the limit value would be included in the new law.
  2. earned income increases the value of a company that even after retirement brings income to shareholders. On what basis, that is to be determined.
  3. The next difference is the Social Security contributions deducted from each shareholder
  4. as for capital companies, the shares are hereditary, they can be traded,
  5. introduction of new technologies increases the profitability of the company and consequently its value! Additional benefits of innovative solutions to move directly to all shareholders, not just for a small group as it happens in classical companies.
  6. Customers greater confidence about the quality of service.

These are just a few examples of the benefits of the revolutionary changes in the concept of "capital". Deliberately not develop the idea further, would not suggest solutions, which can start the "brainstorming" .... This could be the company of family, professional, profile, every idea is worthy of consideration.

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Best of What's Next?

by Optimist on October 16th, 2011
Posted In: The Future of the Movement of Support
Optimist

I show up after a long absence, and life has shown how many of my predictions came true. At the outset I want to emphasize the great power that the success of our, idealists who support the movement Palikot is very close to my heart. Not after this I went to the Congress, to now deny him a right to exist. My concern is that this new political entity in our parliament, not fizzled out, that our dreams and hopes are not dissolved in the elections for four years ...

My first remark is that the winner does not Palikot Movement, and the Janusz Palikot. A simple test of this thesis is to ask what will happen with the Movement Palikot, when the Chairman will disappear from public life. When we look at this problem on the other hand, what would happen if Janusz Palikot now introduced a brand of a commodity, "Palikot"? In the first case the motion would cease to exist, while in the second, this new product would hit the sales, not only in our country! It was a good maneuver only for elections, which helped launch the political totally unknown product. Janusz I blame that for the year preceding the election, every step of promoting themselves, not us, but from a marketing point of view, there was another, equally effective output. It was too little time. Now, for four consecutive years, we can show you a new personality to be able to pull the electoral roll in the next election.

The second observation is that the discussion program, was, to put it mildly, poor. The result of this situation is that today, when someone asks a journalist wanting to know what you mean, MEPs elect focuses fare poorly. Mass of generalities, which is difficult to discuss, and for the total electorate, of course. The first edge of the slogan "separation of church and state" is completely without substance. No one said about the social consequences of the presence of the church school, or that the most important issue is that the church instills in our children a sense of guilt. Those with guilt are easily manipulated. This lack of concrete will be in our characters and can make the voters eager for change, disappointed us and it will be a very dangerous situation for us all. The problem is so important that any move, no matter how just, kind, will be burdened with a lack of confidence and gave us the necessary changes. This applies equally to the other terms that appear on the banners in the election campaign.

I missed some important, groundbreaking vision of society, which should happen in 20 or more years ... they said nothing to even out for us on the prevailing socio-economic system, which makes the state mainly deals with the sharing of hardship. I've run this guiding thought, which convince me that in future there is a chance to make a huge qualitative change in our lives and our electorate, which will make it a live richly and support will be needed only for those who truly need this assistance .

It is time to define the reasons that make so many injustices in various aspects of our lives both social and economic development.

I have such a proposal, which could make in the future will not be such unemployment, will not be such a misery, there will be many negatives that are now so tease us in our daily lives. It seems that you should think over what new quality we can offer to future generations of Poles. It is very important that you realize the changing in ever greater pace of our environment in which we live. One of the most important factor is technological progress. It makes for the foreseeable future, human work obsolete. Today in many companies, the employment of individuals is maintained at about 20% only of the reasons for the humanities. Once we had the opportunity to experience workers' revolts against the steam engine, which reflect the socio - economic situation of our ancestors. One has to finally make it clear that the direct cause of unemployment is technological development, including computerization and robotics in the economy and ever-larger share of these new technologies in our everyday lives. So what is my idea?

Roughly speaking, it is about symmetry, the equality of rights. Slowly, it's time for a revolutionary change in the economy of civil relations with the client to a subject. It is time for significant changes in relation employer - employee. If a citizen shall have the right to profit from operations, this change is obviously somehow relation employer - employee, and a different flow of profits and capital. Can this be achieved? You can, making the jobholder subject to the rights of the operator.

Justification:

Now apply the basic division between employers and employees. The two major players in the market do not have equal rights and obligations under the contract. This inequality lies in the fact that radically different laws apply to the parties. The main difference lies in the fact that the employer is obliged to make a profit, and the employee does not. The employer has the right to charge the costs to an employee, such right does not. The effect of such an approach to the matter is that our country cares about is that employers can generate profits, and employees of such a right does not. You remember that the employer invests, so it must be able to profit from the capital. The more of it on the market, the country becomes richer. Only you have forgotten that the employee also invests its capital in the form of knowledge and skills and their time, which makes the employer can produce anything at all!

I raised the problem is just an incentive to take the kind, firmly in-depth discussion on the topic described above. Adopting it can make a brand new start building a society that finds itself in a new, inexorably approaching, reality. I invite you to comment on this idea.

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The project under discussion by Friends

by Optimist on January 19th, 2011
Posted In: My struggle with politics ...
Optimist

Recently I had the pleasure to meet on the net many fantastic people. Joined by a common desire to change the status quo by creating a grassroots movement of support for Janusz Palikot. The practice of everyday life has shown that the mass of our work, money goes to something that does not guarantee repayment in the form of improving our quality of life in a reasonable time frame. This is due to too many factors outside of our control. One such factor is at least the election results. Even if the time will the deputies in the parliament, then we have no influence on the cliques and the other depending on the prevailing there, which make whether he will be able to carry out our ideas for change. I thought to myself, I do not I delete my friends who came up with a cup of coffee for each set of cappuccino? If I can, it does not lend money to a friend? Are commonly thrown to our events? Can we help each other in professional matters, dealing with work or other life issues? But we help each other!

I started to look for a solution that seems to be more reliable and to apply from now. The most important thing was to find ways how to make my friends, friends of friends. It's that selection of cakes of raisins. It seems that the way to do this is to create your own website for friends. It is here that we will meet and exchange ideas, tell a curiosity, invite each other on common events, and together decide how we will manage the funds collected by us, we will fund projects that can improve quality of life for us.

As I imagine it? This complex project and you would have to work out because I'm not the alpha and omega in every case. The first thing is that we invite her to the program, best friends. This gives the chance that it placed the cooperation will be as harmonious. Next thing is for our association will be paid a monthly premium.

And now here is the first problem. For each deposit we will have to decide how much premium on what goals we want to spend (eg 4zł for education, health 6PLN, 16 zł for investment and 4zł to help friends. Including the entire premium is 30 PLN). For starters, I propose to discuss the following objectives:

Science first - we can from these funds to subsidize schools, colleges, or other activities related to education. In return we expect high quality teaching our children and other perks for friends. This course outline to jointly develop and the remaining points.

2nd Health - here we can subsidize projects related to health care, such as hospitals, in exchange for the smooth operation of our friends,

Third Investments - this is the portion of the premium, which we as a society to invest in a profitable venture with the profits will go to the association. This part of the contribution is part of the condenser and inherited the principles which have a later refine.

4th friendly assistance - this part of the contribution is intended for those of our friends who find themselves in life is an urgent need for such operation or life-saving therapy, the purchase of some medical equipment to help a friend work among us. There are plenty of other ideas, which today can not even imagine. Initially assume that the fitting to make it mandatory for example 1zł for this purpose. You never know when something happen.

Keep in mind that lack of funding any of subbudżetów makes deprive ourselves of the voting rights project of this nature. So is it you do not pay for tuition, you do not have to vote on matters related to science. It's probably a fair outcome, right? In time we may make additional items, but this is the song of the future.

Imagine this situation: we are zrzeszy eg 100 000 people, and let the premium will be PLN 30 per month. This gives us a budget for the division of 3 million zł a month. Can you imagine what it gives us an opportunity? There is also a great tool - the Internet, which will enable us to fully democratic way analysis, discussion and decision on the projects presented by our aplikującymi for funding. It's a school of democracy. Now I do not want to reveal details, but I can say that this is also based on the banking system (call in progress).

The portal will be owned by the association, and advertising revenues are revenues of the association and they will help to finance the cost of its existence. Accounting will be online for viewing for each participant. Developed financial decisions will be finalized on the basis of resolutions previously voted, and such transfers will require 20 signatures of our Finance Council (this one will depend on our findings). The signatures would be submitted electronically to the bank. Therefore there is no practical possibility of account management association without our involvement. It's all for now, I'm waiting for comments on the project. Note that such an association will be abundant much to say in politics, because we have not only voices but also money! This promises to be fun?.

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Maybe time for a diagnosis?

by Optimist on January 17th, 2011
Posted In: My struggle with politics ...
Optimist

Janusz Palikot now has to think about. Congress, the choices ... so many plans, so much hope and flap ... I have no shadow of satisfaction that I predicted this development. I have written many times that if you do not go about things in a thoughtful and consistent in the implementation, it does not count on success. We ran into a dead end, which turns out to be very lively. It seems that the primary cause of failure is the lack of definition of the key reasons that make it what it is. Do not we have a discussion on: why do we have such great problems in almost every field and is a way for it to change it. I'm thinking about how to lead, to initiate such discussion by its fruits, and give rise to hope that there will be a real chance to change the status quo.

Let's start from the beginning. I want to discuss a description of the situation, which here is the, and I am curious of your thoughts on this subject. Imagine that each of us lives in a separate state. If you have a family - your country, your family. The effects of such illustrating examples of the problem, np.moje state, my family, a neighbor, a neighboring country with which you have to somehow arrange relationships, work, our ability to export to yet another country. I hope that these examples goes some way to somehow bring my problem. The consequences of such an approach to the topic is such that clearly describe the issues of responsibility for the fate of each of these countries.

Interesting questions are now linked to the quality of life of our states. Is it a country rich, fair, where everyone has an important voice in its operation, whether there is democracy in our country if we have something interesting to export and what we import from others. Also interesting is the fact who is in our państewku Prime Minister, who is finance minister, who is minister of foreign affairs and how to get these people to fulfill these functions? What is the quality of life for themselves in this contractual cook their own państewku and how that quality influences the quality of all of us?

Poland, is a federation of principalities and in my opinion, the quality of every life in the federation depends on the quality of life in each of these principalities contractual basis. The question arises, such as to make better relationships between the constituent statelets so that they become well organized, so that they can set the tone and help the weaker states in the output of the trouble.

My solution to this problem the way, which should help in this task, but more on that in the next article.

I'm curious of your opinion and I look forward to each of them.

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