Financial Sector

Liberalism: Problems, Solutions & Benefits

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By Barbara Stängl
 

Liberalism

“Liberalism is a theory in economics emphasizing individual freedom from restraint and usually based on free competition, the self-regulating market and the gold standard; in political terms it denotes a belief in progress, the essential goodness of the human race, and the autonomy of the individual and standing for the protection of political and civil liberties”  (ref.:www.merriam-webster.com/dictionary/liberalism‎).

Classical liberalism has its focus on securing the freedom of the individual by limiting the power of the government – the concept emerged as a response to the Industrial Revolution and urbanization in the 19th century. It advocates civil liberties with a limited government under the rule of law, private property and laissez-faire economic liberalism. Social liberalism believes in government intervention to provide equal protection and opportunity. Neoliberalism promotes a market economy with a strong state, a ‘social market economy’. Later the meaning had shifted to hold one of a more radical and laissez-faire capitalistic ideas. It was used to criticize legislative initiatives for free trade, deregulation, enhanced privatization and an overall reduction in government control of the economy.

Neoliberalism is what we are still allowing and accepting as our economical and political system nowadays.

A change in economic course was taken with the program Ludwig Erhard formulated after the Second World War, where demand was not taken as the driving factor of production any more, but rather the other way around, wherein the idea was assumed that every offer created its own demand – which is said to only be valid for trade economies. This new directive of a social market economy, where focus is to be on profit, competition and consuming goods for and within each and everyone, not only economy and politics,  which was implemented thereafter, caused dire consequences reaching up to the current situation where the financial sector as a non-producing element in the system is reaching blown-up and disproportionate extents of power in that major banks are able to demand to be bailed out by the government using the financial means of the public when a tide of bad investments collapses back onto them in consequence and leaves them unable to rectify their position of creating money from loans, financial products and other financial machinations within the state. 

1. JahreDesAufbausInOstUndWest_plakatErhardSozialeMarktwirtschaft

 

Thus the real economy is in the process of subsidizing the banking sector which doesn’t produce consumer goods and thus doesn’t contribute to the productivity and added-value, but only creates claims for consumer goods with the respective finance products they conceptualize, the consequence being a discrepancy between factual goods and the claim for them, which in turn leaves people in the upper middle financial ranks of society feeling richer and better off than years ago, but they aren’t in fact, as they are holding only claims to potential goods and not the actual manifested object. This is actually a matter of window-dressing based on agreements without basic real securities.

Thus accepting the ideology of Neoliberalism as a political directive for how we manage our economy has led to the debt crisis of 2007, which should in fact show us what we are allowing, i.e. the economical coups that are possible by stock markets against democracy and in that against the people itself. A criminalist system of unfettered capitalism has been allowed, wherein values are destroyed instead of creating them, the consequence of which living beings have to bear in form of abuse, denigration, immense suffering, poverty and starvation, conflict, war, hopelessness and despair, death – all for an idea that has proven that it doesn’t work for society, where the principle of best for all is being ridden roughshod over.

 

The idea of neoliberalism is based on implementing the following parameters based on the concept that laws and regulations disturb the balance of market economy:

 

Austerity-is-not-working - LIG

  • the reduction of legal regulations for the private economical sector
  • reduced taxation of big income earners
  • austerity programs within the social state such as health, education and culture
  • no tariff security and secure jobs and positions
  • subsidization of corporate power and banking powers

 

Greece Greek Bailout LIG

 

Within this, forces that propagate and uphold this ideology of neoliberalism feature a tendency of obscuring the inner workings of the economy resulting in an impenetrability of the same for the common person. There also seems to be a tacit prohibition in place to further the common wealth on an equal basis, based on the presumption that there is a fundamental inequality between and amongst people, which in fact has to be intensified so that the principle of free competition works. 

 

Office Bully Bulying Profit Driven Societies LIG

Another feature is the maintained rationality that there is ‘no alternative’, as if this is how humanity inherently functions – on the basis of inequality and a competitive nature. Slogans such as ‘the market shall regulate society through competition’ show that the model as the blueprint of neoliberalism that leading figures sought to implement was to basically make individuals into enterprises who are required to establish entrepreneurial traits and behaviors on all levels of their social interactions, dominated by demand and offer, costs, gains and investments as the new social values post WWII within ‘free competition of inequalities’. This kind of freedom cannot accept other liberties along with it, as Erhard stated: “Rights shall find their expression in the freedom of consumption.” This ultimately allows for a constant state of fear of not being able to express within these limitations, and being judged by one’s ability or inability to do so and thus to hold one’s status within society and remain competitive.

 

Solution:

One must realize the allowance and acceptance of the manipulation leading to the change of focus from surviving within WWII and a hands-on approach of rebuilding and producing some kind of added value to what was left in the ruins of the war to a focus on and the dominion of competition and competiveness. This has brought forth an alienation within oneself toward one’s self-expression and what life is about and can be, and the diversion from the principle of best for all within giving another what one would like to receive oneself. This is where one can actually find a handle for the fear of not surviving. One is able to refocus, to redirect one’s focus on equality and in that seeing, realizing and understanding that there is an alternative way, because all are in fact equal as and within life and in that we are all one, one humanity, one life.

 

Living Income Guaranteed - Logo

 

As it is us, the people, each and every one, that constitute the system, politics, economy, what we focus on, what we allow and accept as the statement of who we are, we create. It is important to see one’s immediate starting point for one’ s actions and interactions and make sure it is not one of competition, of proving oneself better or superior over another, where one comes from the point of fear of not surviving. One is able to realign oneself with one’s self-expression.

Alongside with this personal process we are able to and in fact must reorganize the existing financial structures and the realign the power we give to institutions with what serves all equally. To this end as a first platform there is LIG – Living Income Guaranteed which states common sense rationalities – those we could have observed and referred to in ourselves instead of accepting and allowing the manipulations that have and are taking place in politics and underlying powers which we have submitted ourselves to. Such are among others a guaranteed living income on an as-needed basis as provisions for shelter, food and education etc. – basically everything that is required to ensure one’s well-being. We can stop this ideology that we have supported inadvertently by having accepted the misinformation and manipulations over many decades by bringing out the information that is relevant and valid and constitutes a basis for implementing a change on the principle of what is best for all equally as life.

The rewards are obvious: No more fear of losing one’s job and not surviving. No more competition as an all-pervading overlay on every social interaction, instead of self-expression. A letting go of pressure and an allowance to see the other and be with him without placing a price tag onto the time spent for support so one has money to survive. The security of having food, a home one can return to and feel comfortable in, education to expand in this existence, and providing children with a world that nourishes and supports all on the basis of true care.

Investigate the Living Income Guaranteed Proposal and Join us for discussion.

 

Photo Credits:

Ludwig Erhard

Office bully

Greece bailouts

Austerity

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Living Income Guaranteed and Public Relations

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It is suggested to read the view of Noam Chomsky which is quite to the point and calls the public relations officers the ‘experts of producing lies.’ Now, if you have ever been in a business where you planned it and you have to work out the advertising and the marketing of it, you will know you’re looking for words to describe the product emotionally and you stay away from the facts. Because the facts are the few things you have put together within the product to produce something unique that can compete with other products and there is obviously always something ‘missing.’ That’s why for instance a product’s warranty is only for one year now because, in one year’s time – that’s what the warranty implies – the product will break. Everyone is kept in the illusion that apparently there is some improvement in the product and that’s why there will be a ‘new version’. But if you have to take away the outside picture and you look at the inside – take a car, for instance – it is essentially the same that it has been before. It maybe got a new name, a new color and here and there a new feature – but you’re paying a lot more and it’s not going to last you and you’re made to believe that this car is a ‘new model’ or this cellphone is a ‘better model.’

If you look at the timeframe you’ll notice that nowadays they are releasing a new cellphone basically every few months. You must understand that in the design stage, when they release the previous cellphone you paid a fortune for, they already have designed and planned another five models! They were ready with ‘the new stuff’ – they could’ve just as well not wasted so many resources and give you the best cellphone, but no! They need you to buy because there is a problem in the capitalistic system where it is said that ‘there is not enough consumption’, ‘there’s not enough spending’ but that’s not the real problem.

The real problem is: there’s not enough money because the more and more products are outsourced for instance moving it – let’s take America as an example – to China producing it cheaper. Leaving whole cities in America devastated with people without jobs, then importing the product and selling it cheaper under the justification that ‘now the product will be cheaper, so you should be able to afford it’. This is done without calculating the loss of money due to the loss of jobs that happened. This creates a situation where less people end up being able to buy the product, there’s thus less money and the corporations have to go to the point where they become a monopoly and destroy the competition.  Because if they don’t = they simply can’t survive because there are simply not enough costumers with money with the low profit margins that they’re working on. If we look at this same aspect within the food industry, we have exactly the same problem. That is why labeling for instance is never really specific, you never get real detailed instructions and you never get the truth about how the products are manufactured and/or produced.

Now with Living Income Guaranteed, the total scene will change. Public Relations will be what it should have always been: explaining to the public the relationship they will have with the product and how the product will benefit them, how and why the product was made in a better way to last longer and to be of greater service, why the product is real value for money. Public Relations will be like the person that stands and ensures that the public knows everything, that there are no secrets and is thus the face of the corporation – that is how capitalism is supposed to function, no more lies and deceit.

Public Relations as it exists now, should be banned from politics because politics is and should be where the actual policy of the political party is explained in simple language that every voter can understand and that public policy should be the first thing on the agenda for implementation; and if the political party does not implement it, immediately a referendum should be held on whether they should remain in power under new public policy or not – that is democracy. One cannot change one’s word or go back on your word and get away with it, but the public has accepted this as ‘normal’ – politicians lie, they never keep their word and that’s ‘okay.’

In many cases the corporations are so desperate to keep going that they spend lots of money to ensure that the politicians realize one simple thing “The corporations are supplying a lot of jobs and therefore the laws must protect the corporations to protect jobs” – that’s the justification used. Therefore it’s not so much only the amount of money that goes to the political party, it is about the voters that are able to vote, because those with money = they’re able to vote; those on the streets = they can’t vote because there’s normally a problem: they don’t have a fixed vote, they don’t have the necessary documents or they don’t have the money to go and vote – very simple.

Public Relations must ensure that those that are on the fringe and not necessarily controlled by a corporate or a governmental job, are convinced by promises and hope that the political party is going to produce something, for example that they will ensure there are enough jobs available; if that is achieved, the political party will win. Unfortunately all of this is done under the disguise of competition, under the premise of monopoly, the game we were taught as children, absolutely brutal. And then the human factor is taken out and is called ‘market forces,’ ‘supply and demand,’ the ‘invisible hand’ that determines the flow of the economy, which are deliberate and made up excuses. Bause if you start studying the Living Income Guaranteed proposal as we are putting it together, place what we are sharing on paper and start to assess how one places this together: you’re going to notice that a workable model with enough money that ensures that the corporation makes money is possible, where everybody has got an income and as such, there will be sufficient consumption; this means we can have better products, the environment can be protected, we can produce more effective products, people are not forced to go into all kinds of forced and slave labor situations.

When everything is produced to last longer at a price that is sufficient to ensure the survival of the corporation and to ensure the Living Income Guaranteed of each person, we have a sound and healthy economic system. It’ll also make a massive difference to our food, because a lot of the foods that are allowed to be on the shelves are purely there, placed by people looking at ways to make money to entice the consumer. The fact that the food overall and in many cases is not really healthy, is covered up by ‘bright pictures’ ‘shiny words’ and that’s backed up by the spirituality of the person that is developed and particularly designed by Public Relations. Creating a consumption industry based on ‘like’ and ‘love,’ getting you emotionally involved, ensuring that psychology claims that emotion is important and valid without any information or research into how the mind actually functions, because if the mind is understood = brainwashing cannot happen and the current system cannot continue – this is known! Just not by the people that’s been brainwashed, they don’t understand even why they buy stuff, they feel like ‘they like it,’ they like how it looks, they like what it does, they don’t care that there is engineered redundancy within products just like there is engineered redundancy within the employment sector and everything is driven by a simple thing called profit, and that there’s no real competition in the markets because: “Those with more money will always win.” Go back to your monopoly game, that’s how it works! You’re in this game now.

Our economic system should not be called ‘Capitalism,’ it should be called ‘Monopoly’. And you may have no chance in the system, but you have a chance to become part of a political party that champions the Living Income Guaranteed. If there is no such party established in your country: you start one and you become politically active visiting the voters door to door, selling to them a new economic system, showing that their vote counts, understanding that democracy means 1+1+1 = every vote counts only once, so we need a majority vote, a majority of people that must understand how Living Income Guaranteed functions and why the current economy isn’t functioning for everyone. You also want to explain to them why there are big problems in the future with for instance pensions. One must act now and not wait once the whole system starts collapsing and new laws are made and people are marginalized and you don’t see the suffering and poverty, because we may be one of those suddenly without any support, having nowhere to go.

It is important that one becomes practical, that we become an activist which is someone that takes action, that’s activism: acting on the information available when you see there’s a problem and help with the education of the public because you’re part of the public, so there is one voice and this one voice presents an answer that works for everyone! It is really simple if you get down to it. And at the very least if you can’t do anything, then at least make sure that your money supports a solution, it’s also an investment in your future.

Research the Living Income Guaranteed by the Equal Life Foundation, we are a non-profit organization that researches and puts together economic solutions and educational solutions. We look at how humanity can coexist in a way where there is real freedom, real individual freedom and real happiness and one thing we all know: happiness depends on money. With the Living Income Guaranteed: everybody will have a little piece of happiness.

Equal Life foundation Research

Basic Income Guaranteed - Propaganda

Living Income Guaranteed and Commodity Pricing

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The theories about free market suggest that supply and demand determine the price and that apparently there is a ‘market force’ that is determining at the end of the day who will be wealthy and who will be poor. The odds – if you know from playing Monopoly – are that ‘he who has the money will be wealthy because they will get more’. This is happening very effectively with commodity pricing, because the future’s market and the establishment of pricing through this common oddity instead of common sense – for example, determining the price of food this way like in a giant casino – is certainly not a way for any competent government that represents citizens to enable feeding its people.

Take for instance food in a capitalistic world where labor is a capital and your food is a capital, and the seat of your government is a capital and the money you have is a capital: the creation of food and feeding one’s citizens and then making available the surplus in the open markets is the way it should function. Where the establishment of food prices is based on the labor input and the cost input and the historical growth in value through the accumulated effort of the human’s participation on Earth. These are the aspects that must be part of the pricing system to ensure that those people have no need for a Living Income, because there is sufficient profit for those involved in creating the food to make a decent living, to pay the farm laborers properly so that they can do their work with a loving heart and not because they are forced to do it because they have no other means to make a living.

Imagine! all the people that are into the ideas of ‘consciousness’ for instance, already have this inclination that ‘the hands that touch things have an influence on its constitution’. This would imply that if your food is produced by poor people desperate to make a living that are not getting enough money, constantly experiencing anger, anxiety and fear = that would be transferred to our food and because we accept that as ‘okay,’ we accept the consequence of this form of production as ‘okay’ and as such, we accept the consequence of placing this in our body as ‘okay’ without realizing and understanding how is it that within this we contribute and participate in creating more disease on Earth.

Within the commodities’ markets, food pricing and the giant casino, those that make profits do not care about this because they can create another health product to sell and place on the markets, continuing the cycle of supply and demand which results in forced labor and economic slavery.

With Living Income Guaranteed we suggest that we start looking at the real science, not only the genetic modification that is attempted to be controlled through patents and influencing the food supply to influence the palate of the population and have control over it and thus control over price. Price control in Living Income Guaranteed is not a matter of control, it’s a matter of common sense: if the labor part of the food production is not healthy = the food cannot be healthy as the investigation into water crystals by Masaru Emoto indicated – and then it cannot produce a healthy society because the pricing isn’t healthy, the capitalistic system isn’t healthy, there is not enough money moving and your debt will increase! And then, because you are creating the system through a form of conflict, the only way you can then save the system is through conflict. Capitalism throughout time has been proven to ‘need war’ to continue existing and regenerate the economy, to create jobs and to create money for a minority.

Commodity markets and open markets need a new definition where a country produces a particular commodity, it first supplies its own citizens and the surplus – which can be determined as to what is needed in the world, just as it is done with oil – can be sold to all the other countries that need a particular commodity so that they can have access to it on the open market at a price that does not cause poverty and starvation, but that enhances the global economy.

Labor has lost all capital value which means if your labor is worth nothing = you have no power with which to ensure your wellbeing financially, health-wise and in all ways of your own family – and then a country is not able to support its citizens through proper government. And here the capitalist, the wealthy person needs to understand the simplicity of the Living Income Guaranteed. If you have citizens that have more money to spend and you only have a system that focuses on competition based on pricing, will cause less money to flow. Therefore we propose that competition is based on value, technology and effectiveness.

If one competes on things that are genuinely valuable like a better warranty, better quality product or a unique and innovative product, it is a healthy use of competition that doesn’t cause harm: it enhances the product. But to compete based on price alone, claiming that global prices are going to be ‘good for the citizens’ while the quality of the products is dropping all the time indicates that there’s something really wrong in our reasoning! Because the evidence is very clear that this is not how reality works. The very fact that this is even allowed and not seen as treason because of the way it harms the citizen = that is even more revealing to what extent we are not yet aware of how we have caused our own crisis and demise.

How labor loses capital value with lower commodity pricing and that lower prices create job loss, unemployment and starvation, should be part of our common sensical understanding of the economy. Yet, do you see any of this in the news? Do our journalists actually even comprehend the fact that they are not actually reporting the root and cause of the problems we hear and read about every day? This is a massive problem when we fail to see how it is through our common acceptance of economic inequality that we then accept every single problem and consequential outflow that stems from failing to support every single individual to live in the best possible sustainable manner.

The facts are that if the labor that is put into the production of something like food is not compensated effectively in and through the price, and if the distribution is not compensated and all participants within the creation of the food process are not compensated properly = then we are creating poverty through producing food.

How have we created poverty? We have food at a lower price which means less tax = which means a weaker social service = which means there is not enough money to support all the citizens – this is why we end up with revolutions – Why would we do that deliberately, unless it is that we don’t even understand – after our so called evolution – that we are actually creating the problem with ideologies like a ‘free market forces’ and ‘supply and demand.’

Supply and demand is very simple, it should be based on: What is the supply? Is there enough food for everyone? Which means that the demand is how much we need, what’s the surplus and whether the profit made from it actually supports everyone that is involved in the production process to make a decent living – this is what supply and demand is in a practical civil way. The ways that are currently used are downright counterproductive and detrimental to our global economy.

If you can see within integrity and common sense the problem that we are presenting here, then support a solution that is real: educate yourself, step out of your self-interest and realize that we must work together as one within a democracy to bring about real change.

Equal Life Foundation Research Team

Basic Income Guaranteed and Commodity Pricing

Living Income Guaranteed and Pensions

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Within a Living Income Guaranteed system the need for unemployment, insurance, benefits, pensions and life insurance no longer exists. The resources that are placed within the shareholding of the citizenry is what facilitates the Living Income Guaranteed and one qualifies for benefit from your shareholding when you are unemployed, when you are on pension or when you are in some way incapacitated and you cannot work – this implies that there is never a stage where one is without the necessary capital to actually sustain a living.

 

The industries that are currently profiting from all the misfortunes in a person’s life no longer need to exist because your Living Income Guaranteed facilitates all the points and ensures that no one is ever without capital when they’re unemployed or if you have been in an accident and you cannot work = you’ll still have an income; the same applies if you have a family and the bread owner dies, the family still has an income. All the points where insurance existed which has been the recipient where people has placed their money, has caused such major havoc in the world within the financial sector because this money then goes into the stock markets to mess with the world food prices and to come with the idea that apparently ‘there are ways to make money’ so it becomes part of the global market casino. The end of this casino is possible with Living Income Guaranteed, although other corporations will still probably want to benefit from it and have shareholding, that will still happen; but your shareholding will no longer be vested in major corporations or life insurance companies, it will be the individual that will invest through their bank – and the bank being one of their own businesses in which they have shares that will facilitate and manage the investment in the privately owned and financed corporations, so that the distribution of money and the management of the system becomes highly efficient.

 

All of this can be computerized with great simplicity as a mechanism that can be trusted once placed and tested. This is how we can reduce the problems coming from humans making mistakes, because with the machine and with software one can manage the distribution, the placement of investments a lot easier. So, a citizen can decide that they want to support a particular business and buy shares in it and then once there is a profit declared by that company, the citizen benefits from the profit through dividends – these dividends are tax free, because there is no personal tax and there is also no corporate tax – so one can use that to spend on luxury items and so, the cash flow of the economy increases, which means job creation increases which means there are more jobs available for people that want to earn a better living and not only exist with a Living Income Guaranteed, yet Living Income Guaranteed is sufficient to make a decent living.

 

Investigate economic solutions and support the Equal Life Foundation – we are here for you.

 

 

Equal Life Foundation Research Team

 

 

Basic Income Guaranteed and Pensions

Living Income Guaranteed and the Nationalization of Banks

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Banking in fact is a resource that is required by all citizens equally. If we look at what are resources that should be nationalized, the minimum guideline is that they are all the resources that are equally required by all citizens – this implies water, electricity, roads, transport systems, media, banking, etc. All of the stuff that is necessary for each one to have a decent life, and banking falls within this category.

Banking in a way has become so technological that it is no longer a major job creator; it is simply a management of funds. Therefore, if we nationalize the banks within the approach that with minimum wage one no longer allows personal debt to accumulate – because we will forgive all debt – and the banks facilitate points like building houses and facilitate the placement of motorcars that are debt based on capital investments, which are good for the economic growth – then we are looking here at a very stable banking sector. The profits that come from a minimal interest rate will be distributed according to what is required to facilitate the Living Income Guaranteed in its totality in a particular country.

 

The point of importance to note with the Living Income Guaranteed proposal is that personal tax will be abolished, but taxation in terms of transactions – which is a use tax, a per sales tax and value added tax – those types of taxes would be fair because it would be based on how much one uses the system and those taxes specifically would be accumulated to pay for the functions of government.

To facilitate a society that will stop abusing each other, there is an interesting point that will have to be considered and that is to move away from cash money to total digital money, because with total digital money one will reduce the propensity to deal outside the system and as such to take part in criminal activities. This will also bring an end to the current issues with protests and social dissidence where the problem is being approached from the starting point of demanding others to make the necessary changes, without proposing any agenda that can lead to a feasible practical solution.

 

Within the Living Income Guaranteed system the excuse of some wanting to deal with cash because of ‘not wanting to pay tax’ will become irrelevant. It’ll bring stability for the system because those that do pay tax on their services or their products bought will contribute to the tax resource that that will be collected by the banking sector. And so the financial system for the country will be very stable and the budget will be according to available money; and when necessary, pricing or tax will be adjusted for extra money and the governments will not be allowed to borrow money, so that these exorbitant amounts of interests that even go towards ‘unidentifiable parties’ paid for by the labor of the citizens, can finally be stopped.

With the Living Income Guaranteed system: governmental debt and national debt won’t exist, there is no need for it. Proper accounting, proper planning will prevent this and it is suggested that in the basic Constitution it is placed that: a government cannot make debt. And ‘not being able to make debt’ will also mean that the government will have to spend money on issues that are genuinely relevant where things like war will come to an end and the education, healthcare and all sectors that are relevant to the citizen is what will be considered in the budgets.

Obviously when somebody disagrees with such practical reasonable solutions, one must investigate what criminal activities they are participating in that they want to protect, so that they can have ‘more money’ when it is not necessary because: there is and will be sufficient for all.

 

Equal Life Foundation Research Team

 

Basic Income Guaranteed and the Nationalization of Banks