Trespassing Gardener v.02

If a Gardener was a skillful gardener and he performed his work in accordance to his pay then it's something that's normal. But if he made a really good design just to show off on his employer's property and then made it worse to adjust for his pay, that was made on his employer's property.

So if you were to market do it in the context, if you were to deliver do it in the context. It's not a rule I make, it's something that I'd prefer... but it would make sense as rule, right? It's definitely a rule I make for my property

Me an imaginary banker v.06

So I'm a Christian and I want to be conservative on my credit scheme. These three verses are what I'm trying to live by:

James 4:13-14

Go to now, ye that say, To day or to morrow we will go into such city, and continue there a year, and buy and sell, and get gain; Whereas ye know not what shall be on the morrow. For what is your life? It is even vapour, that appeareth for a little time, and then vanisheth away.

James 4:15

For that ye ought to say, If the Lord will, we shall live, and do this, or that.

James 4:16 - 17

But now ye rejoice in your boastings: all such rejoicing is evil. Therefore to him that knoweth to do good, and doeth it not, to him it is sin. 

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Matthew 4:6

And saith unto him, If thou be the Son of God, cast thyself down: for it is written, He shall give his angels charge concerning thee: and in their hands they shall bear thee up, lest at any time thou dash thy foot against a stone

Matthew 4:7

Jesus said unto him, "It is written again, Thou shalt not tempt the Lord thy God"

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So from this I'd pray "Let Your will be done" before I got myself into a contract. 

Everything in this world is risky. I have to anticipate for all things and not micro manage God.

Yet freedom is also the way we are, so it's not about restriction but it's about wisdom. 

Proverbs 22:26-29

Be not thou one of them that strike hands, or of them that are sureties for debts. If thou hast nothing to pay, why should he take away thy bed from under thee? Remove not the ancient landmark, which thy fathers have set. 

Seest thou a man diligent in his business? he shall stand before kings; he shall not stand before mean men.

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So based on this I'm going to try my best to be diligent and not be reckless. If I had to get involved into debts the scheme was better be that the collateral was the very thing that's bought. 

I looked at Syariah Banking system since they had been trying to synergize or take into account the religious view of debts with the modern credit scheme. It's interesting to learn things such as profit sharing and repurchasing schemes. 

Personally I've written it in the previous blog, I like the idea of a preference shareholding system but it might not be viable to be implemented as it is in current situation.

This is what I came up with, let's say I bought a property with debts, and the repayments would be completed in 10 installments. The payment scheme would be something like:

At end of Period 1: 10% Principal, 100% rent

Period 2: 10% principal, 90% rent

Period 3: 10% principal, 80% rent

and so on until on the 10'th period all principals were paid and I only would had to pay 10% for rent. 

Yes the bank was the landlord, like in Syariah repurchasing scheme (in Bahasa Indonesia by CNBC Indonesia). 

And then I looked and realized, my scheme is just the regular credit scheme -_-

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Edit: Make sure your collateral can't go down in price (if there's such thing). Because if your collateral went down in price, it's credit not preference shares, when you sell it, you're not going to be able to cover the remaining of the credit after you took your portion of already paid principal payments out of it. So all of those principal payments that you already paid, would be liable for the differences (the depreciation). So the bank would not suffer the losses of the collateral's value, only you, that's an extra payment on top of all the interests/rents that have been paid. If force majure happened you and the bank going to need insurances. 

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So which one is more beneficial? Buying a house with credit now, or renting while saving money? 

Google "annuities calculator google" and from there you could put in the figures and then compare. Keep in mind that prices of properties said to be keep on increasing. So if you rent save, at the end of the savings you'd probably found yourself still short in buying the same value property you were renting. Supposed to be like that.

Now for things that grow at exponential level, maybe there's a point of saturation. It only makes sense for cities, unless there were no gatekeeping for innovation there should be a point where developments of a city would be maxed out. Gatekeeping for innovation is actually a strong inclination because innovation is a scary thing and could be dangerously unstable indeed. However because of that it's only natural also for cities around the main city to take their own turn for exponential growth and those were the locations where the newest of the newest innovations would be welcomed. Therefore there should be a point in time where renting and saving is actually good, and the effort put on gatekeeping should some be channeled into figuring out when a city has reached a saturation phase. 

I'm not a professional financial advisor and this is not a professional advice mind you. I'm prone to mistakes and I'm not assuring that this is professionally accurate. Although I am kind of "professional financial advisor" if you want to broaden the definition beyond just the semantic but strictly speaking I'm not offering a professional advice here. Please take it with skepticism for your own life / goodness.

Monkey Pox concerns

We just about to live normally with COVID now comes the Monkey Pox. If things like this were starting to become norms; wars, financial crises, weather hostilities, viruses... businesses would need to rethink their sustainability outlooks.

Is being Going Concern a profitable attitude all the time? In uncertain times we need diversified and flexible stances, and such anticipations had been born within the Law as results of similar situations in the past. 

I encourage the modification of stifling laws that are over-generalizing, as every system that survives, the Law keeps on evolving and with that our official relationships with one another. Minor violations should be pardoned more and small communities' rules should be acknowledged and incorporated within the written law to replace old over generalizing ones such as uniform tarriffs, uniform taxes, uniform minimum wages/overtime/severance payments, uniform prevention of business relationships, such as outsourcing Goods Manufactured/Created. 

In order to balance the shift we also need to reconsider private made policies such as uncostumized interest rates, uncostumized pricing, offerings, supplies and demands. As consumers we should start to deliberately choose our providers, those that benefit our community instead of taking away from it. Their prices might not be the cheapest but their presence are sustainable for your network. Credits could be in a form of preferential shares with fixed floor but floating ceiling, I know that banks have to be conservative but are all of the credits actually conservative now? Having a share in a company means access to their policies and that probably is best for both because not only banks would have the resources and wisdom businesses would love to have, they also could prevent borrowers from doing obvious mistakes more. 

In terms of property, things like this massively influence the price growth of properties. Properties are also collaterals therefore their vulnerabilities are the vulnerabilities of the financial system as a whole. It couldn't be helped that the internet enabled people to work during the pandemy and now the evolution of work had been forced to grow in the direction of the cloud, massively. Probably tying properties with the digital dimension would be a path that internet providers and policy makers would do. Personally I refer to the battle of Chi Bi and the financial crisis of 2008 before I invest. There's always nuances and that's where the blessings in disguises would be. 

So what's the solution? Diversification offers the way. Having properties divided into shares and traded like shares in the (secondary) share market supposed to be the good way of diversifying. I know that the solutions we have now are unstable, but I'm optimistic that this is the way to go. 

Globalization is an advance in our evolution as human beings, but this also stifled flexibility and maneuverability especially when the more efficient solutions outsourced from a single source. Indeed that's Globalization, the most effective and efficient gets all the orders. That's not bad if people also created a system to maintain alternatives, for situations such as Russian oil for example the world is still hanging on because of diversification but everyone would feel the same sentiment which is, to enable more alternatives. 

In rural areas people are starting to have access to urban businesses, I assume some of them flourished because of this. The weather transformation could be a blessing in disguise, new plantations and farms would be possible in locations that weren't before. With access to the science people would have a heads up on what to invest in terms of cultivating basic necessities. 

Now urban dwellers have too little interests on these things in my opinion, it's unfortunate but this is also where the arbitrage lies. The news reports problems like draught and potential disasters of our food chain. I think we should give thanks to those that reported on new opportunities and ways to participate in them more, because there's got to be a lot of them. To be clear, I think this is the opportune moment to trade with people from faraway places, not just in terms of consumer goods but also in terms of assets including properties and shares. 

In the end of this post it's important to appreciate the non centralized relationships of the cloud, we need to keep it that way and protect it from centralization. Coordination is effective with centralization, but addiction to the same leadership is the fanaticism we all hate.

Perpetual Catering PV is like Gold

So the present value of a perpetual catering subscription is like Gold. I could probably use it as a collateral as long as the catering company is going concern

Labor Gross v.02

We all kind of know the rule "Don't sell below gross", but in terms of labor how do we determine the gross? Some jobs require certain levels of expertise, some just require concentration and endurance, some requires athletic capabilities, some requires good memory. 

The way to determine the product cost of these products are research. How much nutrition would a human being need for such labor, how many omega3 fatty acids? how many proteins per day? What kind of environments they must always attend to to keep up with the time? 

Some people have ingenious ways of making things work, their salaries might be low but their costs of living were also low but with all the benefits if not more. 

So if you had a "Guardian" or an industry rule to keep things civil in the competition, and you wanted to audit for the gross of your competitors. How should the auditor equipped themselves? 

This is a collaborative jobs between professional standard setters and the auditors, also when innovations were present the professional standard setting body should look into it and keep the confidentiality. So in my opinion this role should be taken by universities (the standard setting bodies). The standards should be issued in journal articles. 

Note that I mean not that there is one right standard for everything, that would just be repeating our mistakes. But multiple peer reviewed journal articles of the standards should be acceptable by the court of law. 

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Ok here comes the real issue, the powerful judge on the matter would be the government right? For example I don't want to employ people from the city because their cost of living were expensive (even though they offered to be paid the same). I got accused of discrimination. Obviously I'd not be in the wrong because the expectation of the city dwellers were supposed to be directed at how to make things cheaper in the city instead of at me. But government officials would have the power to came in and make things difficult for me and my suburban laborers (using their own interpretations of the journal articles). 

Maybe their case against me was not final but definitely could halt on my production, so the solution would be to have the officials and the auditors (the council of auditors of the industry) be the first people to settle before any real actions were taken against a business, my business. 

Industry auditors should also have the access to clearance from multiple universities if there were secret ingenuity being used that's exceptionally profitable. 

University sponsored businesses

Universities cooperating with professors, students, almamaters started entrepreneurships. The ups and downs, profits and losses would become subjects of research. Methods of management, financial strategies, as well as product designs, also everything else would be experimental. 

Of course results wouldn't be clear if everything was unstable, but that's to be arranged particularly. 

Alternative to IQ v.04

The willingness to admit wrongness and change, 

Also the desire to seek for wisdom and instruction in order to be able to accurately identify as the wrong

(and correct it of course)

Equivalent Solutions of the Past v.03f

Every eras had their own solutions, hunter gatherer era has the jungle and the plants as main food, Agriculture era has the soil to till, then the transportation and trading routes upscaled and upscaled, then the Industrial revolution happened and we got all new sources of solutions, and then the Online Commerce era brought about our time as we know it. 

Now I asked myself we have the medical technology, doctors, nurses as opposed to shamans. We have the cities as opposed to the jungle. Why are we all anxious about our pensions? Shouldn't all of us had the equivalent of food securities, sanitary securities, health securities from our ancestors of the past? What are those? Why are we worse off in terms of them don't you guys think this is wrong? This is evidence of corruptions?

We have the share market, everybody should've had the access to the share market and the increasing profits of the corporations already (and many more corporations were actively traded at prices similar to their financial statements). Instead of kids as pension funds we should've moved on with financial portfolios, instead of procreating and making kids to preserve our civilization we should've been able to live 300 years to 500 years old by now... judging from everything else that we've got. But we missed the puzzles, where are they?

These stupid games, gatekeeping, dishonesty, extortions. Shouldn't we already implemented the "Golden Stickers" by now? If I could thought about it smartest people of the planet must have thought about it too, but what happened? I bet idiotic gatekeeping is going on in the world right now.

Just do what's right, be good, haven't we learned our lessons for thousands of years? Use the law that is our inheritence, why are we giving it away?

I'm so frustrated, but then the antidote is in fixing myself so as everybody else, fix themselves.