Please Help Our Neighbors in Haiti.

My deepest sympathies go out to the people of Haiti and their families that have been affected by this devastating disaster. My thoughts and prayers are with you.

In the face of this tragedy, the people of Haiti are in need of our aid. Please make a donation to the Red Cross International Response Fund. The Red Cross already has people on the ground to deliver food, water, temporary shelter, medical services and emotional support to those affected by this catastrophic earthquake.

Thank you for helping the people of Haiti in this time of great need.

Why Must We Strive Towards a Zero-Cost Economy?.

Many believe that in order to create wealth, income has to increase. This idea focuses on the income side of the wealth equation (wealth = income – costs). Wealth can also be created by permanently reducing costs. Most significantly, under the cost reduction model, wealth can still be created if income is stagnant. Following the concept of a Zero-Cost Economy can permanently reduce and even eliminate some costs and can therefore lead to the creation of true wealth.

The pillars of the concept of a Zero-Cost Economy are to 1) freeze cost, 2) reduce the cost, and 3) if possible, eventually eliminate the cost. Of course, it would be practically impossible to eliminate all the different types of cost on every level of the economy, but in some cases it can be done; for example, energy is one cost that we eliminate after the initial investment is paid off. Another sector includes the taxes. Not all types of taxes can be eliminated, but many, such as property taxes, can be removed and instead the profits generated from The Citizen’s United Financial Institution could be used to cover the cost of running a government. While not all costs can be eliminated, many can be reduced drastically, including the costs associated with interest, healthcare, and insurance.

Freezing cost can be exercised in every sector of the economy. This can happen as productivity increases and technology progresses. Furthermore, cost can be frozen by 1) increasing the lifespan of durable products, and 2) integrating modular designs to replace old and obsolete technology in existing products, thereby bringing outdated products up to the latest standards.   

 The outcome of an economy based on the concept of a Zero-Cost Economy would be Economic Security & Prosperity for all those living in that economy.  For details, please read, Towards a Zero-Cost Economy: A Blueprint to Create General Economic Security in a Carefree Economy. This book is available on this site for FREE download.

Why Must We Establish The Citizen’s United Financial Institution?.

We need banks that work for the benefit of the people, not people working for the benefit of the banks.

The economy is collapsing due to lack of demand, and it needs money. Despite over seven hundred billion bailout dollars handed over to them, the banks are not lending. The Citizen’s United Financial Institution will end that for all Floridian residents and businesses without costing a dime to taxpayers.

The Citizen’s United Financial Institution can pay safely 6% interest on CD’s by using the same fractional reserve rules employed by all US banks today.  This means that it can create nine dollars of new money from every dollar in deposits it attracts. It can then turn around and loan up to nine dollars in the form of 2% fixed rate, 15-year mortgages.  For every hundred dollar deposit, the BSF earns up to $18 and pays out only $6 annually.  The net is a win win situation for all Floridians.

These benefits will lead to the creation of more jobs than any so-called stimulus package and will also reduce the total interest cost on a home by up to 85%, for the average Floridian family.  All of this and much more, just by creating the Citizen’s United Financial Institution.