The Vicious Cycle: Taxation & Government Debts

Windsor Castle, from my ancestors.

Money for Money's Sake

Governments that beg for our Workmanship

In brief, I will address the vicious ccycle of our World Economies.

It's quite simple, a Government is only a bank balance, either in debt or in cash.

When a Government goes into debt, whether local or regional or federal, it eventually has to find a loan or a way to pay the debt off. The usual methods are raising taxes, or receiving an International loan from another Country or group of Countries.

If the tax-payers cannot re-coup the losses the Government has over-spent in the first place, they have no choice but to go for the International loan, whether IMF or other.

The vicious cycle for the people begins as being tax-payers. As soon as the needy Government hungers for more income to pay the debts, it forces people to work more in order to pay off their own differential house bills, etc.

Once the people have become too burdened with taxation, and too much work have-to, their quality of life is greatly disturbed. The chance of corruption goes much higher as well.

So, living the life of Riley persae becomes a past illusion, and the people teter upon more and more Government hand-outs on require.

Governments going for the loan

When a Government heads for a loan, more is owed, and the Government will look again at it's people for someway to bail the Government out. The people are burdened financially and the Country goes further into decline as a Nation. All the while, the people themselves change their characters.

Character of Person

At first, it's not the immediate personal character of "accepting oneself as being forever poor", but rather, being one of the character's found at the insiduous levels of classism.

Where usage of a word from "garden" to "yard", means a lesser. I could poke at Britain with this one, as they've proven segregated classes can exist, due to very miniscule details.

Maintaining Status

In these structures of debt-world, the people actually do not rally together, only can they rally within their new associated class. The intense rise of snobbery, is really a beggar to many peoples hearts, and yet they choose to run with that persona for social acceptance, in the seek of their continued financial position and status.

When their status is disrupted or even before, they might discover, the competition that exists world wide. The competion to maintain one's status is brutal, or else be known by their peers as a failure. A castaway known as "fail".

When the world-wide competition has increased into "I have to pay my bills", the finger has to be pointed at the Government tending their flock. Then, as each "lone" Country cannot keep up, one-by-one the Countries will fall; because the efforts of invent and increased monetary gains cannot be reached by their own people.

Mergers

In business, they call it mergers, and well that will be the direction taken, in order the maintain status as a nation... A Dual-Nation is better than No Nation. Where a US-Canada would not be out of the question. The EU itself has proven to be able to reap from their collective habit, but with any merger, they too can fail. However, for many bundled Countries they have raised their status, so in the beginning, a merger can be a good thing financially for the people. Meaning less work have-to, more price fixing and a given chance to relax until the merger Coordinators over-spend as well.

Conclusion

The key is: to "Never let your Government take, until you're their minion. Balance that Governments checkbook first, and stop their overspending... or lose yourselves into stagnate levels of self, settled into a constant competive class, attempting the escape of a Dual Nation takeover.

Creating Central Banks for Property Ownership: @ 0% Int. Rate.

A Chance for Governments to finally Offer 0-Interest Mortgages
& even for the governments to purchase property for free along the way.

The Property Goal: is for citizens to buy a primary property only once, which could be sold & then the sellers voucher is ready to purchase another primary property. Similarly to cash, however...

Eventually, due to the 0-Rated Interest & after the Property Vouchers were inherited away, the property owner and later on their beneficiaries would be free from the tedious chore of earning an excessive living, to pay a mortgage. Meaning only the parents would buy a house, & their children would receive separate vouchers as inheritance, ready to use only for property. In the current secondary banking system, beneficiaries do not always use the cash gains for a primary property. Which often leaves them in further debt, to the point of home equity loans & reversed mortgages. Therefore, those in-debt agers, have nothing to leave their children, aside from a table lamp they picked up at a garage sale.

In the old days of ideally the father said: "You keep this house for your children and your children's children, and you will never be poor." Sad though because the father had 5 children, and they had to sell and split the proceeds, some went to pay off a car loan, others went to pay off tuition, and a few may have actually gone towards principal on their high interest mortgages. The reality is..."When you're feeding a high interest mortgage system, you cannot keep up with the beast, he is always hungry for that high interest again."

My cutsie voucher system, will always have the option for a parent to credit their children with "property-only notes". In this way they can't ever be homeless. Even if the property note "Voucher" is very small.
You see, the priorities of economic consumption at this point does not have any purchasing discipline. It's been selling, "Buy what you want without any thought to towards your future!"

The discipline can be found in having a "for sure" home. Yet, because we are a "democracy", so is the democracy of the consumer-purchasing cycle. So, the required guidance cannot officially be forced on the populace, even though we have so many with, "No roof over their heads", or "No chance to own".
To bring discipline where there is None, it can be found by forcing the inherited meal ticket, to be "only transferrable towards a property purchase" (*which could also be the same house of course). Then, the un-disciplined and/or person's frauded cannot destroy a countries economy, due to increased policing, foreclosures, property bubble crashes, and just an increase in degenerate persons.

Scenario: *5 Children inherit a 1,000,000 dollar parental home. The house value holds the final voucher, minus the final voucher tax of 5%, split between the children, during the sale only. Reducing its final voucher to $960,000 Which becomes, $192,000 each (incl. their portion of the closing fee paid to the buyer) from the million dollar home.

The $192,000 each, is split 50-50, $96,000 in cash & $96,000 as a property voucher. In this way, the parents and government are all content that the children are provided for. Only at this time can such a large sum of money of 50%, be sent from a voucher.
They can each either use their new Net Worth, & Voucher to buy their first primary home, or upgrade to another. If they already have a voucher mortgage, they can add-on the new voucher, and hopefully reduce their mortgage to zero.
The final tax is a non-issue, as its replaced by the buyers payment of the seller's fee.

Let's say, a "little rich kid" has a million dollar house, & his parents paid $250,000 without any interest rate via the voucher system. His only concern left, is to pay the property tax, home insurance, his food & utility bills and retire at 45.

The little Rich Kid", decides to downsize several yrs after owning the home. Note: during this time, he has only been transferred as the new owner, not given any cash.
In this scenario, upon the sale; he gets 50% of the million dollar house in cash, "$480,000" added into his Net Worth, and a huge voucher of $480,000. This split includes, the final voucher tax of $50,000, the sellers payment of $50,000, and the closing fee of $40,000 ($960,000).
He buys a house worth $300,000, pays about $27,000 in cash for seller and closing cost fees, leaving him with approx. $453,000 in Net Worth, and a property voucher of $180,000. Which is saved in his Voucher Account.

An Ecological Solution Also?
Absolutely, the world would have a chance to offer us cleaner air again, from the reduced pollution. Due to the fact, people would not need to busy the roads, and work more, as they've had to, during the past centuries. The truth here is interest-rated loans cause pollution and higher resource usage.

This would not be a future economic stop, though, as the future children and grandchildren may want to modify the house, which might require a builders mortgage. However, the tedious chore of paying a mortgage each, would finally go away. The persons could use their earnings in other ways, and those with limited earnings would no longer be a drain on the governments worth.

As most people would eventually become home owners without a mortgage held. A different wealth and purpose would elevate the people towards bettering themselves, to entertain furthering their education, attempt artistic endeavours, etc. Whereas before, this habit of bettering oneself, has only been able to occur for the hyper-rich & retirees, at a time too late for many to actually challenge themselves further.

Likewise, the citizens would all be housed, and the government could be proud of the property ownership ratio held by its citizens, bringing a new prosperity to the country on a world-wide scale.

Formation of A Central Bank for Property Ownership

It's a pretty simple system actually.
Ready to be implemented via my excel spreadsheet. Specifically for use as each citizen's primary home mortgage, with a minimum age of 18. Sellers with a current non-voucher held mortgage cannot qualify, they first have to pay-off their property loan as normal, or sell, then use the proceeds towards their Net Worth to qualify.

Zero-Rated Interest

The Central Bank of each country offers mortgages at Zero interest for the life of each 20-yr loan, for its own citizens.
There is very little cost to each of these country-specific Central Banks to utilize this system. The costs would be hiring staff to determine Net Worth, then also having facilities to keep track of the current vouchers held, and by whom, and for which property. Lastly, to cover a "few" closing costs for the homeless.
An actual monetary benefit to the government occurs,... from bundled final vouchers, supplied from a 5% final voucher tax, in which the goverment can use to purchase it's own property.

Impoverished Persons Buying Property

When a seller sells a property of a value $50,000 or less; the payment to the seller is given as a voucher just exactly like the normal voucher sales or higher priced properties. After the sale, the seller can use his or her voucher on another property, or save it for later.
However, as the low-income individual will not often have the $1250 - 4999 amount for the down payment, to afford the sellers's fee and closing costs, the government has to cover that upfront expenditure during closing.
Likewise, any person could also donate the amount to help the person purchase sooner.
After which time the monthly mortgage for the impoverished person is quite minimal at only $187-203 dollars per month, for 20 yrs.

The Property Voucher Itself

It's a carry-all voucher that's used just the same as cash, specifically to only: Purchase Property.
The voucher (account) is given to each seller, so, he or she can purchase another home with part or all of its value. A person can use 1-5 vouchers or even more during their lifetime.

The Final Voucher

If one has decided to not purchase property any longer, the voucher is transferred to heir(s) or a non-profit. At this time of the property sale the final amount of the voucher to transfer away to beneficiaries, has a 5% reduction. The 5% "final voucher tax" is not in cash, rather a reduction of the voucher's total. Thusly, the government is then given a small voucher, that the government can later bundle with other final tax vouchers to buy property also. In this way the taxable event does not injure the beneficiaries nor cause a need for extensive title & probate services. There is no rush by the beneficiaries to use the final voucher once received, it can be stored as a savings.

Net Worth: Cash

The buyer finds a house or condo, with the property value amount, based upon Net Worth.
Once the Net Worth has been determined, from savings, and associated market equities; a range of house prices becomes available for the buyer to choose from.
The buyer then pays out up to 75% of their Net Worth in real money, or real money & a former property voucher, to Purchase the property. The 75% of Net Worth includes some down payment, the Seller's fee and Closing Costs. Buyers pay from cash only; or cash & a former voucher.

Previous vouchers are included with the Down Payment number! However, the requirement of a certain amount of cash still remains, in order to cover the seller's fees and closing costs. So, a hefty 50,000 down payment could be reduced to only $25,000 in cash when there is a voucher with $25,000 or more. Meaning the buyer could keep $25,000 in their normal savings and not spend all of the cash $50,000 on the house.

The voucher is very powerful, and can be used as a constant savings tool.
It can reduce a mortgage to zero, when the voucher is higher than the cost of the property.
& as long as seller's fees & closing fees are covered, many vouchers will act just as a property buying "Note", with no mortgage ever required.
In the event, there's a larger voucher denomination than the property value, the person will receive a smaller voucher during the sale. The smaller voucher can then be kept as ones savings, to bundle later for a higher value property or gift it away to another or a non-profit.

Properties Prices Available to Buyers

I created the system to have a minimum and maximum property price.
Whether, a minimum or maximum price-ranged property, both offer reduced monthly mortgage amounts due to the 0-rated interest.
Also, more expensive properties than a secondary bank could offer,
can be purchased due to ones Net Worth valuation.
So it's a win situation, for both the buyer & seller as an upgrade process.
Bare in mind, the purchase price holds 75% of one's Net Worth. So, basic home owners ins. has to be held by each home owner.

The buyers pre-determined price range, is provided on the worksheet calculator, where the small % of the properties value, towards the seller's fee & closing costs is included.

*Used homes only, new builds are not included.

At Each Property Sale: The Seller's Fee & The Closing Fee

A % of the property value, in cash (wire or eft), goes to the Seller from the Buyer. (approx. 5%*)
& A % of the property value, in cash (wire or eft), goes to cover closing costs, for real estate agents, title company, etc. (approx. 5%)

If a seller wants more cash upon the sale, it's possible the particular house will not qualify for the buyer.
An additional calculator lookup, with the seller's preferred % fee; would be required for the buyer to proceed. Hopefully, that info could be run via an online chat room, or webpage.
"See if the Seller's % is too high for you!"
& the Seller's % fee would need to be listed with the property listing for "All to See".

During the sale, the Seller receives the cash & a voucher for the remaining 70-95 % of the properties value.

Repeating: If the Seller holds a secondary bank Mortgage on their primary Property: he or she would "Not" be able to participate in the program.
The Seller has to sell his house to someone who is using a secondary bank mortgage system or paying in cash; in order to pay the secondary bank off. Then the seller could buy a house with a "Zero-Rated Mortgage" from those proceeds.
All because the received Government Voucher is not transferrable as cash, to the secondary banks.

Mortgage Payments

Simple mortgage payments, are assigned to the buyer, for the life of the loan of 240 months, during the sale.

Savings Opportunity

There are many moments when the vouchers are not paying for property. During those times, it would necessitate a voucher savings account to be constructed. That option is for others to create as an add-on.

Considerations of Non-Payment

In these situations, the entire voucher that has been paid thus far, would be given to the non-payer of the mortgage, minus a loss-of-mortgage tax. (tax of 5% from the accrued voucher, in order to limit mortgage failures). Also the house would be sold to a new voucher buyer without any chance of the seller earning a seller fee.
No derogatories would be put on their voucher account, as they already would have been penalized with the loss-of-mortgage tax, along with losing the cash seller fee upon the sale.

Rephrasing, so lawyers don't need to be hired; The persons who lose their home, would lose 5% of their voucher money, which goes to pay the loss-of-mortgage tax.. Also, as the need for a buyer would be quite soon, rather than a sale at leisure, the non-payer would not receive any cash as a seller fee; only a slightly reduced voucher due to the loss-of-mortgage tax, for what they had previously paid.

Since it would be a disadvantage for the non-payer of the mortgage, to lose their seller fee and have a voucher tax; it would be better for them to attempt a house share, and split the mortgage payments with the new house share person.

To bring interest to the new house share person, the process would be to settle your current voucher into your voucher account; and then any new money spent into the mortage further, would be split into 2 vouchers, a voucher for the old non-payer who now house shares, and a voucher for the new house share person.

Government Freedom of Banking

Each government has full rights to offer Zero-rated Mortgages, regardless their current secondary banking institutions.
The vouchers themselves, are simply "property note accounts per person", that go with each person no matter the current property chosen. A transferrable note; away from the older style of property notes that were based upon a sole property only.

It's also advised for those secondary banks to reduce their interest rates to 2 % across the board, so there would not be too many property sales into the voucher system all at once. Bare in mind; Second & Third homes do not qualify, the voucher system is only for each primary home of a citizen. Therefore, for those other non-primary mortgages, one would have to go through a secondary bank as normal.

Finished

This tactic brings economic stability; creating a wealthier populace, and is available for any country in the world to implement.
Furthermore, there's no strain put on a government financially, by offering the 0-rated mortgages, and it also removes inequities such as homelessness while allowing for the chance to raise the level of persons; persons who are classed as a countries citizens.

The Central Banks Property Ownership Worksheet

The Excel spreadsheet does all the work for the keepers of these simple mortgage property deals.
It tells how much the buyer can afford & their price range, & their monthly payments;
then, how much the seller is actually paid in cash & the voucher amount given upon the sale.
I also included a min/middle/max amount that will tell right away if the amount of the property in question is too low in price to qualify or too high in price to qualify.

Central Bank Property Ownership Worksheet

The California State Succession

Original California Flag

Becoming a Country

California has finally up-roared its own liberal self, to be included as a new country, within this global mixture of happen-stance governmental bodies here and there.

As a leader country hosted with future-minded individuals, we have often been the beginning of trends for the world. However, in recent years, we have lacked our political voice in american politics. Which has been out-of-the ordinary for California, almost as if the new Californians, who have moved and reside here, do not make the same conscious efforts of native Californians.

The conscious efforts of sustainability, to better the planet, people, plants and animals, have been too often pushed aside, when in the past it was our only priority. To keep our world, as a home that we would continue to live in, and bring our future generations into.

The start of California as a new peaceful country, starts with a monetary incentive, with offshore banking opportunities available to Americans from the United States, a new banking infrastructure, will financially compliment the US rather than hinder.

Inclusions

The possible inclusion of Oregon and Washington with the succession.

Cost Savings to the United States

A reduction in military spending for the Federal Government of the United States as an added bonus. The bases, located here in California are some of largest and most costly to run for the United States federal government. The condensing of military equipment, toward the east for the US, is a wise financial choice.
For the US to run an army mechanism that is refined rather than large and extensively eclectic grouping, is another reason as a wiser tactical choice.

Native Californians

Bringing in the standard of, "born in California" persons; as the original citizens of the new country, called California. Other resident persons, declared as naturalized, dependent upon longevity of time spent as a resident. Therefore, if you were born in California, you would automatically be classed as a citizen of the new California.

Taxations and Revenue

The current California government, is to be a new smaller federal version for California. State Taxations for California citizens would initially increase, to similar of the old US federal level, and the older federal US taxations would be cancelled for California citizens.

Current Governor of Califorina

The current elected government person, who is the Governor of California, becomes the new acting Prime Minister (similar to Presidential) elect, of California for the time being, until voters decide upon either their new federal California powers to be either; a Monarchy, President or Prime Minister. Emir's are cool, however, it may be too dis-associated as a political leader role, for most native Californians.

Currency of California

Continue with USD as the currency, with Euro optional accounts offered by the California banking system.

US Banks in California

Current US Banks, such as Wells Fargo and Bank of America are invited to open offshore branches, in similar fashion to Barclays and HSBC in Guernsey.

International Banks in California

Other International Banks such as Deutsches Bank, UBS, Goldman Sachs, and Credit Swiss are therein invited to open branches here in California.
Enabling further prospective business ventures in California, The United States and European Countries.
With a European banking diversification added to California. The new country will become a major stronghold, hosting old and new business relations between North American and Europe.

Offshore Banking Incentives

Not to undermine the new country standard with simply a boring banking routine, but keep with the old-style follow of Switzerland, 25$ will be granted as a savings account opener for each new infant born into California. (kept in their new locked savings account, locked until they are 18 years of age.)
Newly forged silver and gold coins, with the emblem of the California Bear, are to be minted, and given to any new or re-instated; "time-deposit account with nominal interest*" account holders of 5 or more years, if the bank account is in excess of $500,000. (1 gold coin per 500,000, upon the 5th year the coin is given to the account holder and it can be either kept or transferred into cash at that time.)
1 silver coin will be granted to any new or re-instated; "time-deposit account with nominal interest*" holders of 5 or more years, if the bank account is in excess of $250,000. (1 silver coin per 250,000, upon the 5th year the coin is given to the account holder and it can be either kept or transferred into cash at that time.)
*(interest rates under 3%)

My Video discussion, detailing this blog.

Getting tired here.

I am a bit tired and have made some notorious mistakes, and encountered problems stupid, with the text call box returns failing to 0.

Then all the extravagent changes to selection of population,
the 20 year consolidation feature,
with value holds of the department budget field of the first year.

Sometimes errors are not found out until later,
they have been easy enough to fix, though there edging me out.

I am creating the property buy-sell-to page next,

and I guess through this journey have discovered
more exactations of the Kingdoms banks workings.

Such as the Kingdom is the center participant of the sales,
where the buyer pays the Kingdom, and we in turn pay the seller and or mortgaging bank. ..........similar to a notary bank.

The major deal is the actual selling price is 25%
below the sellers original asking price accepted.
But the buyer pays the original ask.

and......
The banks accept the existing sold property value of 750,000, as shown above.
Knowing that without the Kingdom, they never had the mortgage to begin with.
Because the prices had become so high,
that a foreclosure version of property crash was evident.

Shanty town living of the inner-city 4-10 persons buying one property to support the mortgage for a tiny house or apartment, has got to go away.

The extra 5,000 to 10,000 helps, but will it be enough?

That is the next problem later, not now,
as the injection of cash flow to the mortgage banks,
quiets their fears aways from excessive foreclosures
and of becoming possibly bankrupt.




 

Savings Increase Chart

With the starting year,
the new citizens with the pre-paid wage & departments are supported,
during the year to receive compensation.
The next year the new citizens are considered as prior citizens,
& receive the yearly amount.

After the starting years, ...the chart begins on the current year.
& if there for some reason,
is not enough to cover the new citizens pre-paid wage,
during the following year,
...I added in increasers & reducers,
with the reduce population choices of: 25% 50% 75%
and an optional by the month, (answered from the sales page).
along with the original option to increase the population from the kept savings account.

Sales to population “Savings limits” are based on each years property sales.
Anyway, in explaining again,
the property sales support the wage, departments & savings outputs.

 
The system is based on property sales during the year,
that allow for new population citizens, depending on sales.
A maximum #of new population allowed is listed in the chart,
& as the sales occur, the new invitees,
are included to receive their pre-paid wage.

Though the first years payments, are less,
because of the shorter year time-frame.
Their payment amounts are monthly reductions,
listed on the sales page.

With the inclusion of : new citizen allows :,
each new or prior citizen does not actually have to purchase property,
because the population allowed numeration are sales based.


--------------------
The chart is easier to use, than explaining it.

Income Stats Sheet

I added a few other sheets:

The income stats sheet,
which details all the info from other pages in one section,

from #of properties & population to property sales & income.

The 2nd section allows for estimates on the above scenarios.

----------

A tiny profit shares sheet which gives income tax rates,
and final profits to the company.

----------

The larger profit share sheet, which includes also the new income rate info,
for each employee.  short term shareholders or longer term.


 

Convincing Everyone

The Vaux Kingdom's economy:
 
Business:
1.) 25% business tax only to:
*Banking institutions, casinos, public utilities and telecom companies, church donations, and celebrity and/or sportspersons if over 1 million in earnings per yr. 
2.) No employer or employee retirement taxes.
3.) Free pre-paid workers, 
that also pay into the business, 
a minimal yearly amount 1000 -3000 for yearly company profits, as profit shares.

Employees:
1.) no personal income tax, including wages.
2.) 20,000 that is also is included with retirement.
3.) No retirement taxations, No health care taxations from their employer.  
3.) Profit Share options: inputs from the 20,000, 
1000-10,000 can be used for profit shares in a company.

100,000 former wage. and the pre-paid wage: 20,000

=120,000 actual take home wage.

& including the 20,000 through their retirement years.

Unemployed:
1.) The unemployed can join businesses & earn a profit potential & not be fired due to lay-offs from company with less profits.

Retirees:
As silent partners to businesses, they can give up to 10,000 per yr to a business, & obtain profits from that yearly input, tax free.
The option is freely given from the kingdoms savings,
savings that is built on pure profit of property sales, that fund the economy.

Non-workers:
House husbands & house wives who stay at home and rear children or are variable to changing their careers during life, are compensated, 20000 per yr.
This cuts down on any family aggressions due to financial stress,
thereby reducing the police departments in size and reason for patrol.
These non-workers also can contribute up to 10000 toward a house or condo with their spouse(s)., or friends.
Just as the retirees; they can also be silent partners supporting a business,
& not actually go to work physically or work for a company,
yet receive a small profit for savings year to year, tax free.

Students:
Have enough money to pay for additional schooling,
schooling which helps to increase the over-all intelligence of the human race.

Property Owners:
A certain yearly amount available to pay for a property,
regardless of career status changes.
Options to include assured renters;
Renters who will always be able to pay each years rent,
or at least a major portion in expensive areas.

Renters:
Have enough to pay the rent, & choose which property,
making better decisions on where to live for longer durations,
rather than living in a less than wanted circumstance,
which depletes contentment of persons all-around.

Profit shares from the kingdoms yearly budget, 
will balance the difference for persons of the following careers, if they are workers with the Kingdom:
1.) Realtors 2.) Health Care workers 3.) Government Department Employees

So, the above career workers are able to continue to pay for their mortgages,
& maintain a similar payment to savings plan.


Government departments wanting more to run, 
such as Military or Infrastructure, will be lessoned, into a slower, more choosy reality, of what to purchase & what is over-supply.


*Casinos, Gaming Halls, & Banking Institutions:
The business income tax is currently 25%. Though it could increase.
The tax is because money is garnered from a persons savings or work efforts.

This rate is actually lower, in many cases,
due to the incredibly less-efforted work afforded of figuring the income tax due.
A blessing to those businesses, where before they have been hounded for each profit proceed with a different rate & gain variation from each.

*There are only a few other odd businesses that may be taxed 25%: 
Pornography: businesses selling or making pornography for resale.
Church entities receiving donations.
Utilities and Telecom companies.
Celebrities & Movie makers, earning over 1,000,000 per engagement, event, or movie.
Sports Persons earning over 1,000,000 per year.
Lecturers at Universities & other Schools earning over 1,000,000 per year.
 
Other fines & Penalties:

Foreign Ship Docking Fees:			100 – 10000		daily – monthly moorage fees.
Small Fines:			Under 1000		from speeding, & other small claims:
Medium Fines:			Under 100000		unfair business practices
Large Fines:			Over 100000		businesses creating excessive pollution, etc.

The Kingdom is classed as Free Trade:
Countries not included with our Kingdom's Free Trade, 
of no sales tax on imports or exports, 
& will have import taxations 
on their items to be sold for resale within the Kingdom: from 5 - 25%:
5% being most goods, 
25% being weapons & militia equipment. 

Prison Facilities:
10000 each prisoners from their yearly account which goes towards funding the operations of the prison facility, with group buying for foods, upkeep, repairs, renovations, while also paying the main operators a profit share. 100 prisoners = 1,000,000 per yr.
If additional is required, a small % goes from the kingdom's savings also. 
Though the plan is to release most drug offenders which reduces prison populations dramatically. 
--------------------------------
 
After the property sales momentum reaches a peak,
then, a tax rate may have to be applied to other businesses, 
in order to compensate for increases or decreases 
in departmental spending.  

The Kingdom's Profits & Budget Spreadsheet

This is the profits-to-budget, divy-out banking spreadsheet for..:
The Vaux Kingdoms Budget Department:

• including allocations to governing departments, with % to each,
• Chart w/# of reserve years left to the pre-paid wage, based on balance.
• population estimates, & fields for the actual stats.
• estimations & fields for # of properties,
• income from property sales, 
• & other items such as fines,
• historical balances, in which to regain unspent savings into the years budget amount.
• Reserves sheet, for # of yrs. savings supplies the kingdom.

xlsx: Kingdom's Budget to Profits Calculator
google docs: Kingdom's Budget to Profit Calculator

I seems that I am finished with it, there were lastly a few zeros,
that kept turning up in place of text calls,
so I stopped most of the text call equations, how strange,
text box fields to text box fields calls used to work, as a spreadsheet capability.
I left 5 years of data-in, for looks, that needs to be cleared out before the actual starting date begins. 

On the 13th, I added an automated, load of values into the sales, page, for the population stats. & a few more columns ready for bank receives & sends on the properties page.

on the 11th, the new property listing page, is finished.

on the 10th,
consolidations for 20yrs. sections of dept. & savings,
worked out the awkward of the first year to the second issues of payments,
& am adding in the new property listing page, some time today.

On the 9th,
I updated population-add-features with %'s & optional
to the savings increase section.
& added a minimal department & savings spending to the first year.


Each yr listed, on the budget sheet,
pertains to income gathered during that yr.,
which is paid out at the beginning of the next.

On June 7th & 8th, 2014
a few new things, the property sales sheet,
& the 'Savings increase' section,
of 20 yrs, on the index page,
showing population numbers that can be supported with the pre-paid wage.
based on property sales & population increases.

On June 4th, 2014

the yearly tax collection section has been increased to be the monthly or quarterly collection for the certain businesses,
& also a new property sales amount section, as a guide for next years budget.
& The new reserve section on the budget page, holds days left with the pre-paid.

On June 3rd, 2014 all kinds of little code repairs,
& the new index sheet,
which front loads the main parameters for the other pages.

On June 2nd, 2014
the yearly tax collection section has been added, for specific businesses such as utilities companies, to the budget sheet, an index page, a private account withdrawl column for me & my family of the monarchy,
& a few other sheet clean-ups.

For added on May 31, 2014
an exacting mortgage helper for the property allowance sheet.

-----------
I updated it on May 30, 2014 with 5 yrs of data,
population growth & property purchases,
& there is a savings build for the Kingdom.


The added-in 25% income tax rate, & it works with earnings,
including the pre-paid wages, leaving enough for department
spending for most typical governments.

I still prefer the pre-paid only version that demands persons modify their lifes-styles a bit & use only profit shares, enhanced profit shares over having taxation, & there are pre-paid workers for a company. Therefore more initial gains to a company, that are returned as extra profits from profit shares than a taxed system with profit shares, which makes up the yearly wage difference.
& the bulk of the Kingdom's income from property sales. Lastly, implementing taxes only for Banks & Casinos, as they could help out as the balancers of the budget.

With the pre-paid only system, being a mandatory, a couple quick reasons are...
because the Kingdom is also a major purchaser of building supply centers,
for repairs of property, the Kingdom is further enabled at keeping building supply stores offering sustainable products.
& employees have more choices over where to work.

It is possible a Monaco system could be included,
with higher savings interest rates or no income tax on savings,
to lure banking customers in from other countries,
while offering loans,
a bonus income from loans towards the pre-paid wage,
though it is limiting, as it requires others from other countries in participation. & I am seeking a new world government financial system not only one country that is a tax haven.


I am still adding on to it, the program above, increasing pages...
to support more of the individual departments budget to sector data,
&  income lists for the real estate buy & sells and inheritances.
With each major update, I am writing a blog to explain it.
So, return to get the latest updated copies, from the above links.

New to include with the taxation section, 
is the 5% tax, specific to the major department stores,  that are selling food and clothing products. 
The tax is a year-end tax to each store, and therefore not a tax charged to the consumers.
 

Dealing with Crowds

As the days go on,

the people are not leaving,
as they have many requirements they need & want fulfilled:

People will become hungry, and the local shops are going to become empty.

Supplies into these shops may be difficult to re-stock due to crowds blocking the store fronts & roads.

A few vehicles have to be given access,
the food vans, & occasional ambulances.
shuttles back to other regions of the bay area,
to look after pets or persons left behind.

If the bart train stops or the electricty is cut,
we need to go back to possie judicial law.

Where certain persons guard the shops & food stores. 

Maintaining even more calm than before.

If a shop window is broken into,
the reason & the person(s) need to be found out as to the why. 

Other Importants:
large water tanks available for free water. 

free condoms available to young women in the crowd.

Food & Food Helpers:
People who want to make food right their fresh for the passerbys.
There will not be natural gas or ovens unless kitchens
within a few of the houses are used for cooking.
1-2 houses per block should be adequate.

Simple, Cheap & Quick Cooked foods,
Polentas (fine corn), Bulgour, or Couscous,
Cooked with mixtures of raisens or olives & spices, & a little vinagrete.

Crepes & pancakes

Healthy greens,
from the stores such as green beans, spinaches, collards, etc.
If the supplies run low, perhaps there are stinging nettles around, the park regions, that have not been pesticide sprayed.
As they can be used as a spinach replacement.

Baked or slow roasted items such as potatoes,
take longer electricity wise, therefore a luxury item, to go with.

Turnips, Carrots, Beets, Broccoli, Radishes can be handed out
with Fruits also... as they can all be eaten raw.

Please do not bring any meat into the feasting,
as it promotes aggressivity.

If people are selling food, that is their option,
though, I prefer free handouts from the kingdom & workers of the kingdom of the simple cuisines such as couscous & vegetable platters.
-----------------------



Better to separate the men from the women if possible,
back to women in this section of 100 persons, & men in another section of 100 persons, to avoid excesses in promiscuity.


Video speaker podiums available to the people, each 100 person area,
so each person there can have their questions answered formally and available to tv shows & computer rooms around the world.

A speaker podium at the front arena to have discussions with the next heirs to the throne & others workers from the kingdom directly.

At night a few low key bands can play, to help enjoy the Kingdoms begins.
-----------------------
Over a few days & the crowd is content with how the new government system works,  even with melted plastic plates for id,
then it is better to move the podium arena to in-class live video chats
with students of UC Berkeley & other universites, back to normal forum environments, not always be outdoors.

Inviting students from majors and minors in Government, Law, Civics, Economics, Business & the Mathematics Department.
Streaming video such as, Skype & google hangout to reach broader audiences.

The momentum of the Kingdoms budget continuance needs to be kept though,
hopefully with enough buys & sales of real estate already,
The above stated classes, & persons therein,
will be more than supportive of our new beginnings to stop poverty,
while maintaining an economy,on a global scale. 

---------- 

Quickie ID Cards

Back to the crowds in the SF Bay area demanding their 20,000 to the kingdom, before they leave to return to their houses & apartments.


Plastic Plates melted  and poured into shapes with forms.

a small written area on paper detailing:

name
eye color
hair color
body scars
birthmark
an unusual earring, & the other is worn during each sale.

The small piece of paper is then glued to the plastic card,
and a clear varnish is coated over the paper & card for protection.

This method is basic, though does give immediate proof of person quickly.

While, we wait for companies to create,
insert your card into a card reader, for instant 3d hologram views & videos freshly woven from our computer streams & other exotics of technology.

or while we update to the simple,
photo with your yorkie or indoor houseplant photo only version.

Its preferred, to not have to resort to being as a Luxembourg or Leichtenstein,
where you have to buy property to gain citizenship.
Though it brings an instant start to the Kingdom's financial earnestness,
so I can't knock it as a choice.

After a house has been paid for to the Kingdom,
then an ID card can be issued.
The 20,000 can then be deposited into your bank account.
It is better to go with 6 month deposits of 10000 each,
as the limiters to each days spend amount...
of always having 27 vas euro dollars til the end of the year
may not yet be implemented by the bank writers.

I prefer not to have to be force a purchase of a property on the people though,
rather go with the bounty of buys & sells creating a natural state of profit...that then funds businesses also.
& believe opening the market for persons to join the Kingdom immediately will already bring a profit in certain areas, such as the east bay of San Francisco.

Profit that runs the Kingdom & the people of the Kingdom.

Employee Profit Calculator

This calculator sheet supplies
the answer amounts when each employee gives
his or her amount of input deposits to a business.
From 500-10,000 in the first section,
from the pre-paid wage allowance, or over 10,000 in the 2nd section.

When over 10,000 as an employee input deposit, such as 12,000,
Part of their pre-paid wage can be also used.

After a year of sales, worker profits-to-their-savings are listed
for each worker, based upon their original input for the year.

Also included; is the long-term financier investment share,
such as 30% from the company each year, for his or her investment profits.

the link to the spreadsheet:
version xlsx: Employee Profit Calculator
google docs: Employee Profit Calculator

the newest updated version has 2 profit share calculators
listed with the Kingdoms Budget Spreadsheet,
under profit_shares & profit_shares_lg

The Vaux Kingdoms Budget & Profit Calculator

Card Info: Savings & External Banking & "Trip &Tell"

Implementing certain restrictions to the pre-paid cards,
they do not need to occur right away as the amounts are minimal*,
though over time, we may prefer to take this blog into advice:
 *estimated 200,000 over 20 yrs.

-------------------------
The pre-paid wage is not to be given into a bank entity as a savings.

As the cards are digital,
the feature of refusal to other banks, has to be implemented,
unless it is deposited directly into the Kingdom of France's account
with the external bank.

Meaning,
if a bank receives the card at their counter to be deposited into;
savings or personal checking, money market or brokerage accounts,
The yearly amounted card will be declined,
unless its the Kingdom of France account.

For Business transactions through other banks:
However, it is a want to make use of these cards available
for use for business funding with these other popular banks.
For that to happen the bank needs to support
a special Kingdom of France account
as an external bank transaction,
where a business id code can be included
& an id code from which person, transacting the amount.
With these safeguards in place,
the 20,000 is safely kept from entertaining
money funneling practices elsewhere.

Otherwise, normal deposit usage into a business,
is via the cards through certain affiliated offices,
that are branches of the Kingdoms Bank.
For deposit only to businesses held within the Kings Register.

Normally with day-to-day shopping within the Kingdom,
the values from cards are spent with shops & stores
that hold their banking deposits with the Kingdom of France Bank.
"Accepted here", within the borders of the kingdom really means,
a business registered with the kingdom.
Therefore each business within the kingdom,
has a bank account to receive these deposits & payments.

Honorary members of the kingdom living outside of the kingdom,
will also have the same limits, only allowed to deposit into the Kingdoms of Frances Bank account.

If during the transition phase,
the decline from a deposit into external savings & personal checking accounts, cannot be completed right away, it is not the end of the world,
as the 20,000 each yr. over 20 years is only 400,000 per person.

Though...most likely after food & housing is spent upon,
only 200,000 maximum would be the amount sent into
an external banks savings.

We just do not want to be other bank feed suppliers,
that ruins our purposes quickly, so much so,
that we need to increase banking income taxes into 45% to the bank itself.
Causing excessively overcharged fees to the people,
from that bank to compensate.

Nor does the Kingdom want to forgoe
the remaining amounts at each yrs end,
that goes back into the balance as a deposit.

Travelling or Living outside of the Kingdom:
Preference to currency:
If a store or shop or country, only goes with kronas,
A travellers check version as a digital card,
can be issued before for a persons journey or trip,
through one of our affiliate kingdom offices.
Where the affiliate office charges the amount from the Kingdoms card,
for 3000, in example, & issues a small card for 3000, for the journey.

To receive money from the card at an external bank
during a trip or journey or work furlough that can be implemented,
though perhaps, a watch list needs to be going on for these persons,
so as not to assume illegality, rather,
we know which person is actively doing this money release transaction,
away from the kingdoms boundries.
& too many money release transactions,
without discussion of purposes
with our funding department of allowances,
will put that person out of our kingdom,
meaning kicked out of the kingdom and not allowed to return,
nor ever collect again his or her yearly pre-paid wage.

Trip & Tell
So, a "Trip & Tell" feature, linked to its listed database,
needs to be set-up, online, for each account holder,
& random checks will go on the verify the Trip & Tell person
was legitimately truthful, with their need for transactions.
A phone hotline also,
for the persons with these cards that escape the kingdom into spends elsewhere.
A phone number to call & include variations of changes that may have gone on with their journey, that may disturb the cards workable activity, when no internet access into their normal account is available.
Implementing an online chat conference from time to time.

Out of the Kingdom Buyers

Out-of-the kingdom buyers,
can purchase real estate on properties valued over 500,000.
When others from outside the region, want to purchase property in order to join the Vaux Kingdom, and also obtain the advantage of, the pre-paid wage.

within the Kingdom of France;
Once a region has been declared to be The Vaux Kingdom of France
& decreed as just and true*,
by an unsurmountable amount of real estate owners
of the Kingdom's regional population. 


The Vaux Kingdom of France,
originally from the Chateau at Baux de Provence,
(as the original trebuchet builders & inventors.)
though, in actuality, building its financiers from
a larger population zone first,
with its original starting place, of the San Francisco East Bay,

then the perks are:

20,000 per year,  to the buyer,
as an honorary member of the Kingdom.

&

Each 100% buyer of a property,
is then counted as, 1 out-of-the Kingdom person
with our population statistics, throughout their lifetime.

We are not able to offer taxation stops to:
personal income, business income,
or other property taxes where you reside elsewhere. 

If kingdom workers are required for your current business,
I suppose an out-of-the Kingdom work finder database,
could be set up for students, & other professionals to hire with.

*just and true: taking part in buying and selling into the kingdom.

Policing the New Kingdom

To handle civil servant careers such as policemen, rescue workers etc.


They are given the same 20000 per year as everyone else, & if they are wanting to acumen higher with an enterprise such as a business of security then that is an independent business not allowed to use our goods or weapons.
(refer to the higher priced property blog, if a property query.)

For a policing business such as a coliseum patrol,
they will be bicycle patrol only, & without vehicles.
unless the vehicle is an ambulance or fire truck.

If an offending vehicle is to be chased that would not be your jurisdiction.
so relax, merely call it off to the main precinct.

When our staff is needed to calm down crowds, the same applies,
they will be bicycle patrol only, & without vehicles.
unless the vehicle is an ambulance or fire truck.

Do not use sirens at all, as they frighten the crowds into mania,
which could cause harm to persons innocent.


With the new kingdom of France within the bay area, 
the local bicycle shops are asked to help out at this time,
because their are not that many bikes with the army and police offered.

Duties are light, & it should be peaceful,
though we may still have a few against monarchy and pre-paid wage contenders...
If an arson-to-vehicle group is located,
arrest is given & they are sent back into the barracks of alameda
and other bay area jails.

"Why a person would want keep poverty?"
would be the interrogation line of questioning,
"Are the cohearsed by someone else?"


----------------
After the feasting days of the kingdom has resolved into acceptance
and agreements of the crowds are meandering back to work & school,
in wait for the new money.

Policing is simply less, less domestic abuse quarrels,
and onto speed patrols, (if technology hasn't made another tagging device)
and seeking out crime syndicates.

Patroling is to be more local, via bicycles, roller skates or a small electric skooter device, or segway, depending upon terrain and sidewalks.

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

There will be freeway use priviledge stickers,
as used in germany france & switzerland,
& these stickers need to be verified by a red or green light before entering a freeway, as purchased and updated.

There is that truth, not everyone uses freeways, some people are car-less for ecology reasons, so it is a necessary infliction of a road tax there, on highways and freeways over 55 miles per hour.

The yearly freeway roads sticker is amounted to cost: 35 Vas in currency.
by my dedications to cost and deeds,
though others on the monarchy staff may edit the yearly amount.

As our Kingdom Rises

To offer our new world government from the De Vaux Kingdom of France to  more regions and countries, we have to realize a halt moment in a properties acceptance, when we are oversupplied.


As we are paying each seller immediately on sale,
we cannot be left with an oversupply or we will already bankrupt ourselves.
The intent is to keep 5 yrs of pre-paid wage with our central bank,
also including enough extra income, for the other departments of government,
such as arts& entertainment, infrastructure, schools&education, ecology restructuring, & the military department,
The 5 yr. keep is because we are property backed,
whereas china with its new emperor, is gold backed.


We are to proceed slowly, with higher priced properties,

and in certain situations acquire these sorts of properties 
only with agreed-to buyer(s),


High priced properties & oddities are:
Any property over 10,000,000 in value.
Yacht & houseboat properties* maybe later.
Large farmholdings

Able to be included without a buyer are:
Residential properties, under 10,000,000
Schools and Universities
Bridges & freeway businesses 
Public transport systems
Airports 

No free property swaps are allowed, 
as the penalty upon find will be greater than the 25%, to 35%.  
Army barrack & base lands are not to be listed as sales with our normal property bank balance, as each area is case by case, due to the land type or specific equipment contained therein. 
When one of those areas is free & cleared to be sold as a normal housing community, in ie. 
The kingdom will purchase it outright, at a lessor price than normal, and the additional income will go toward any current war veterans hospitals, as well as funding the maintenance of the other non-sold bases.


After this transition phase,
a warning limit is implemented to our bank balance,
when too many house and condos have been sold into our bank
though not yet sold.
At that time of oversupply,
we will go back to the initial beginning phase for all property purchases of,
"do you have a buyer already?"

There is no property tax on properties held within our kingdom
during the time-frame an owner has a property, only the taxation of 25%
upon sale. Therefore, future purchasers may actually make additional money over previous taxation rules.

Higher Priced Houses & Condos

Returning to property valuations in higher priced areas:



In order for persons to pay the already mortgages, and not sell right away,
they may require triple split ownerships, when other sources such as savings or business earnings, do not qualify to the amount needed.
  
If the yearly mortgage is between 20000-30000,
then 3 persons are required to make the payment from the new Kingdom yearly allowances, (up to 10000 each).

such as would be found with:
3 partners in a business
1 man & 2 wives
husband & wife & their young adult child (over 17)
3 friends

If the property is not being sold,
though 1 person wants to leave the commitment to the purchase,
then their value of... say,
100,000 over 10 years is honored,
minus 25% of the property tax, to 75,000 as the person's savings,
which can go toward another property they own,
or stay as their new savings account.


With amounts of higher examples such as 1,500,000
with a yearly loan of 5000 per month or 60,000 per year.
Only a part of the new allowance wages can help,
therefore business work efforts or savings or shared ownership
has to replace the difference.

Obviously 6 persons in a tiny bay area house to pay it off is ridiculous,
though it is not something we are concerned about as a governing wrong.

With work profits extra & savings then that house can resort with 2-3 person ownerships, as long as the business profits are accumulated to match the difference, of in this example, 30000, per yr.

A couple of bonus reminders, 

There is no business income tax, 
therefore the business savings & profits build quicker than before. 

The prepaid wage tolerates most workers
to not receive any other additional wages from a business owner. 
Therefore, the workers are freely there by choice, 
to build a business into success, 
rather than flee at whim with lost appealant energy.

As business owners, 
do not forget to allocate the profits to the workers savings each year, based upon their initial % of input to supplies 
and involvement of efforts.






The ones with higher priced homes, that are mom & pop businesses may be requiring a slight restructuring, to compensate for their current mortgage.
Their main bonus is no business income tax only, 
and not the free -paid workers, 
because they themselves are the only workers.

Their restructuring is either to sell the house, 
or acquire other persons to help share own the expensive property.


After property has been purchased through the Kingdom of Frances' Central Bank, there are no interest rates or loans on the property, merely the yearly value chosen, such as 5000 or up to 10,000 per person.

If a person or persons want a more expensive property with less ownership involvement, & have additional funds and income, they can obtain a loan from a bank from elsewhere, as smaller mortgage.
Any increase mortgages must be obtained before the sale goes through,
as it is an increased value outside of our central bank.

On purchase, the increase mortgage bank agreement, of 50000, ie.,
needs to forward to our central bank to verify the sale to the parties concerned.