The next step of human civilization v.03d

Throughout our time we have learned top bottom leaderships, we have produced history and laws pertaining the ins and outs of governments and institutional coordination. But there are just things that can't be solved top bottom, the pervalence of its focus, the relevance of its mission has begun to really saturate. 

Next is the people, we need the people to be responsible and how to be a responsible "being lead" people or how to be a good nakama is going to be the legacy of our time. 

----------------------------

Cause it is now the question of to whom the technology serves, rather than oh these helpless people...

If we won't acknowledge this and take up our duty to be good, the whole thing might embrace the regress towards the past again, such out of the inclination to use tools that are relevant for that time. 

I mean that's normal and reasonable to look to the past and recoordinate but if the past is poor and undesirable, and that's the tool we have to thrive in such world... abandon those tools.

----------------------------

What is "Just" in my point of view is an economy that's dynamic where mesh is utilized, centralized is utilized and people come and go and dance in harmony. Being at the top would be glorious but also only flows, or only natural and when you do you do when you're not you're not any less admirable/honorable. 

Invest in diversified portfolio, your property is your own. Leadership is a responsibility not a reward.

The Bargaining Chip of the Bullying Demon v.05

Look what I'm going to write here is just my side of the matter, like describing an elephant in the dark. Although I concluded that people are not talking about this conspicuously. 

The problem starts with people are not appreciating teachers enough. Which in turn built momentum towards under appreciation of the press, because you supposed to appreciate good information but you've built the habit of dismissing it. Then sponsors came and its getting more and more unpleasant for the reporters to talk against the interests of the sponsors. 

So the skewedness of the news, and then after a while arise this hostility against criticism. Because what sells in the market had been built on top of this reputation sterile from the "fire". Then comes innovation and people started to realize that businesses fall due to innovation and "spreading too thin" is a thing that could kill an industry. 

But instead of telling people that, the customers, they use underhanded communications and virtue signalled towards the administrations that had existed or the mentality that had existed that is spiteful towards criticism. Why is this happening? Probably people thought that there's some competitive edge in keeping this "understanding", probably they wanted to look down on other people, probably they wanted to show themselves or the girl that they wanted to coitus copulum with that they're good at flirting? maybe other things I don't know. The point is now we got difficulties for entrepreneurs to spread their words out, and artificially augmented risks of getting bad reputation. 

Am I right about this? I think this is logical but I have no journal article references. 

Anyway my eerie concern is that the kids kept on being bullied or bullying itself had their grip in our cultures because of this. This is the bargaining chips of the demon of bullying. Some kids don't understand about this, some people wanted to specialize in other things than politics such as math, art, philosophy, etc. Instead of sharing this concerns through the front door, bullying had became the means instead. Judging from the book of Psalms bullying had been gathering momentum for thousands of years already. 

But this is retarded, all we got to do is say it. I'm not saying this is the cause of the culture of bullying, but this is probably 60%. Could we stop this already, its not going to be easy even though it is such a monkey thing for us humans with developed brains to be experiencing, but it is what it is. We got to do something about it. 

--------------------------------

Have faith have logic, innovation increases the level of availability of mutual solutions. You can't stifle innovation without consequences that's a price that must be paid. And I DON'T WANT TO PAY YOUR FAULT please isolate the consequences on yourself. Of course there's a season for everything, the level of availability may not increase in an instant so now, negotiation through the front door or official means is the right way to go. Just consider innovation as more sacred than zero sum, not the most sacred thing like human lives, but treat it like it is and don't violate it. 

Traffic Jam solution anticipate v.02

Governments had apps for COVID prevention, so judging from such organization they could also administer similarly with traffic jams. 

At busy hours people would put in their destination before driving and then like an airplane traffic controller, the police is going to use an app to notify you whether it is time to enter the traffic or not. Such scheme probably had been talked about if not prepared, but just something prevented it from being implemented massively. 

However I'd say that there shouldn't be a law that punishes people for breaking this organization. It could be done just by implementing it without extra law. Before anyone become "violators" you could set up barriers like freeway entrances that would be opened by barcode scans from people's phones

Lazyness (2023) v.04b

I found that Lazyness is a manifestation of multiple types of problems. That's why its so tricky to formulize. There are explanations about laziness, for example in the past I defined it as lack of diversification, there is another explanation as well out of a research result, pointing to uncertainty and certainty balance (healthygamergg, youtube 2023).

Now I wanted to say that it could come at an isolated field, where you're lazy for a thing but not for other things. I think this is about going 100 km/h towards the darkness, yes the uncertainty again but this one is tricky for the solution of building up certainties might help but not "targeted". Imagine a room where the terrain is not a certain flat tile but sometimes rocks, water, different elevations, even treadmills. Of course if something is lazy means you would already know how to finish it but its not about the work but about the world that the work takes you to. 

The solution seems simple but surprisingly has conscious resistances from forces around you, which is to turn on the light. I dare to say that this is expensive and political because its lazy already otherwise it wouldn't be lazy it would just be intuitive. However, hopefully you would work around that and ignore your unreasonable anxiety, becareful not to leak the lazyness into different areas of your life given at the grand scheme of things everything has a momentum. 

-------------------------

If you're stable and being contributive but the environment ended up becoming more of a menace to you or becoming more interruptive of you based on that, it might not be a crime but that environment is definitely toxic on you. Vice versa if you found that your contribution breeds even more clearance, then that's a nice spot. 

Now be careful that it is easy then to be the one that is evil. A stable contribution followed by instability could catch people off guard and be considered evil, this should not be a problem if people lived by pen on paperness or contract (so contingency is always available). Contrast that to lack of clear articulation, people would always had to live by intuitions and gestures. In the later case you're socially deemed responsible (without being in writing or said clearly) for your "comfortable" behavior, which is a vulnerable thing for a person and also unnatural, not mentioning those who have decisive shares were not deep in their investments on justice. 

So legalities or clear articulation is indeed good property.

Concerns over promiscuity

Firstly my preconceived notion about sex is that it's subconscious and an evolutionary product. You'd be subconsciously compelled to be the family, helper, protector, of this particular person. 

1. Would this aggregation of personalities be a human?

2. Would this entity be able to correct you if you're wrong about him/her. There might be a risk of somebody who's not a part of that aggregation hacked into your feedback loop at the subconscious level.

3. Would this entity be an angel or a demon? Or would it attenuates?

4. Am I wrong? Am I half right?

5. Is it actually beneficial to keep track of this at the societal level? I know its also a part of the evolution of humanity, but what if we could tell it apart and made choices?

Safe deposit box insurance market application idea v.02b

So last week CNBC posted the 2023 Berkshire Hathaway annual shareholder meeting. Watching this inspires me this idea:

An application for safe deposit box where by putting your assets in the safe deposit box up for insurance shares, you could obtain the income from insurance premiums from prominent insurance companies in exchange of collaterals which are contents of your safe deposit box. They could be gold, silver, property certificates etc. 

People could obtain income and insurance companies could have an alternative to allocate their risks to.

------------------------------

Additionally someone who couldn't repay their debts could probably apply to insurance companies like geico for an extention. The way it works would be, the insurance company would buy the collaterized property, let the borrowers extended their debts while they use the property as repayments of new debts. 

So the new debts would be repaid by "title to the address and everything on it" instead of cash. 

 

Practical Interest Rate for Mortgage v.06b

Pay attention to the auction price of your collateral, how much lower is it from the market price and is it consistently so. So from that number take the difference out, all of the money you paid including the principal up until now is the Practical Interest rate. It is only no longer interest, or had became the principal when it had passed that threshhold. (Still passed that threshhold it is going to be part principal and part interests ok not 100%).

If you ended up selling the property at market price then its your "profit", if things got sour and prices dropped, at least the market price would be the auction price and you've factored in your interest payments as interest payments.

---------------------

If the tax office would acknowledge this, then one could have a setup where there's extra cost at the start of your credit, or alternatively throughout the early periods, and then if in the end the credit was successful the tax would be charged. If the credit was a fail then its not going to be taxed.

Isn't it reasonable given the income tax wanted to take a share on profit? So it shouldn't take away from non profit transactions. 

Moreover the government seems to like credit and considered it to be a part of its product or something. Its encouraged what I was trying to say. So why not this option?

---------------------

On the other side of the credit, shouldn't the lender/bank recorded instant repayment because of the collateral, therefore revenue? No because lets say that at the end of the credit they would recorded it as cost again when they "returned" the collateral, such practice is not conservative, its contingent towards income which is uncertain. So not an option

This then gives rise to the interests losses incurred by the government out of the whole scheme. Such is the properness of it, that is the articulation of risk exposure of the whole economy when one got into debt.

Pay attention to the first paragraph about "revenue" that's wrong, the bank or lender wouldn't incur revenues at all because the difference between market and the actual proceeds of the collateral wasn't going to be a revenue for the bank / lender. Therefore it is a real risk of debt or a real cost of the economy as a whole when one got into debt. 

----------------------

Here's the thing, is having a child easier than getting into debt? Just the nature of things that order drew from chaos while proceeding forward. Therefore the right attitude is to understand and acknowledge.

Watch: CNBC's coverage of Berkshire Hathaway's annual meeting. Minute 35:55 is particularly relevant. Here Warren made a position proposition about AI and compared it to the World War, and then they answered another question about the real estate.