Discussion:
U.S. Senate Should Pass Immediate 4-Point Bill
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Intelligent Party
2021-02-09 07:22:46 UTC
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1. Minimum Wage. Raise the Federal Minimum Wage to 65% per capita GDP, of each of
the 3,000 counties. (May round to nearest Quarter. May take 1-2 years to raise,
as percentage goes up and up, finally stopping at 65%, or may raise immediately).


2. Cash payment. Add another free $800 to 175,000,000 people's bank accounts. =
$140 Billion. (The Democrats and The Donald, had previously tried to get $600
raised to $2,000, -> $1,400 more. This is only $800 more. = $1,400 total).
(Another option, is to try to figure out, how to get the money only, to the
600,000 homeless people x $15,000 = $9 Billion, perhaps as well as to those who
have suffered acutely to COVID, and may be out of commission of work for a couple
months, or worse [vs. insurance on other diseases, but, you know, COVID's special
{or just get it to anyone who's truly dicked}]).


3. Housing. On Primary Conforming loans, 3A. Allow everyone to go to 100% Loan
To Value, and, 3B. No 2-years income documentation, just present income, like for
renting. Not even current employment required, merely proof of job offer at
employment rate (the bank calls the employer to verify intent to employ).
3C. Only fixed payments on these loans. No Adjustable payments allowed on these
loans. No 5/1 nor 10/1 ARMS. A teaser rate (usually .5% less than the fixed
rate) may adjust into a fixed rate, yet the payment must be calculated based on
the blended rate, so more equity is paid during the teaser period.
3D. 250-year fixed, which is equivalent to interest-only, allowed from the bottom
up, to the conforming loan limit, or less. This lower payment allows people to
still buy at the bottom and get out of needing to rent. (This also allows people
to afford to buy more house for better or worse. A house normally doubles in
value in 30 years (at 2.33%), and yet this loan will not be paid off, so in 30
years a $500K loan on a $500K house, will be a $500K loan on a $1,00,000 house.)
How will housing be paid for? Will Congress fund Fannie Mae, or directly insure
the banks for defaults?
Conforming loan limit map:
https://www.fhfa.gov/DataTools/Tools/Pages/Conforming-Loan-Limits-Map.aspx


4. Abortions. 4A. Federally funded free abortions for the first Trimester. Any
doctor who performs a first trimester (first 14 weeks) abortion will be paid
$1,000 (abortions normally run $300-$800), no other insurance required.
4B. Doctors and patients shall be protected from State parental consent laws for
this first trimester procedure. (There are 2.5 million unplanned pregnancies per
year, x $1,000 = cost $2.5 billion per year max, vs. significant savings on K-12
and elsewhere in the future). (Further the bill may or may not want to specify
that after the first Trimester, the fetus is considered as an adult, and what we
have is two adults accidentally attached; without saying whether or not this is
ethical to detach - I imagine you would not want to be attached to another person
for six months unless they were your sex partner, and it could be a rapist's baby,
vs. after the first Trimester the fetus must be given every chance to live, and it
would be unlawful today to murder a 30 year old product of rape).
Intelligent Party
2021-02-09 07:23:40 UTC
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Post by Intelligent Party
1. Minimum Wage. Raise the Federal Minimum Wage to 65% per capita GDP, of each of
the 3,000 counties. (May round to nearest Quarter. May take 1-2 years to raise,
as percentage goes up and up, finally stopping at 65%, or may raise immediately).
2. Cash payment. Add another free $800 to 175,000,000 people's bank accounts. =
$140 Billion. (The Democrats and The Donald, had previously tried to get $600
raised to $2,000, -> $1,400 more. This is only $800 more. = $1,400 total).
(Another option, is to try to figure out, how to get the money only, to the
600,000 homeless people x $15,000 = $9 Billion, perhaps as well as to those who
have suffered acutely to COVID, and may be out of commission of work for a couple
months, or worse [vs. insurance on other diseases, but, you know, COVID's special
{or just get it to anyone who's truly dicked}]).
3. Housing. On Primary Conforming loans, 3A. Allow everyone to go to 100% Loan
To Value, and, 3B. No 2-years income documentation, just present income, like for
renting. Not even current employment required, merely proof of job offer at
employment rate (the bank calls the employer to verify intent to employ).
3C. Only fixed payments on these loans. No Adjustable payments allowed on these
loans. No 5/1 nor 10/1 ARMS. A teaser rate (usually .5% less than the fixed
rate) may adjust into a fixed rate, yet the payment must be calculated based on
the blended rate, so more equity is paid during the teaser period.
3D. 250-year fixed, which is equivalent to interest-only, allowed from the bottom
up, to the conforming loan limit, or less. This lower payment allows people to
still buy at the bottom and get out of needing to rent. (This also allows people
to afford to buy more house for better or worse. A house normally doubles in
value in 30 years (at 2.33%), and yet this loan will not be paid off, so in 30
years a $500K loan on a $500K house, will be a $500K loan on a $1,00,000 house.)
How will housing be paid for? Will Congress fund Fannie Mae, or directly insure
the banks for defaults?
https://www.fhfa.gov/DataTools/Tools/Pages/Conforming-Loan-Limits-Map.aspx
4. Abortions. 4A. Federally funded free abortions for the first Trimester. Any
doctor who performs a first trimester (first 14 weeks) abortion will be paid
$1,000 (abortions normally run $300-$800), no other insurance required.
4B. Doctors and patients shall be protected from State parental consent laws for
this first trimester procedure. (There are 2.5 million unplanned pregnancies per
year, x $1,000 = cost $2.5 billion per year max, vs. significant savings on K-12
and elsewhere in the future). (Further the bill may or may not want to specify
that after the first Trimester, the fetus is considered as an adult, and what we
have is two adults accidentally attached; without saying whether or not this is
ethical to detach - I imagine you would not want to be attached to another person
for six months unless they were your sex partner, and it could be a rapist's baby,
vs. after the first Trimester the fetus must be given every chance to live, and it
would be unlawful today to murder a 30 year old product of rape).
Four other important options, to spend on, vs. the above, or in the future, are:
i. Transportation
ii. Water & Power
iii. Sanitation (and one's right to park a bus in a residential neighborhood, and
live in it Nationwide, if there is no notice not to park in front of, nor directly
across from, someone's house, as view could be blocked, nor block business signs)
= dumpsters and porta potties (and possibly installed hot showers) (everyone
produces 1/2 bag of trash per day, whether they live in a vehicle, a tent, or home)
iv. Education: A. Free Community college; B. if possible 2nd two years at
University or College free; C. the Student Loans past that, lent at Federal Funds
rate: https://tradingeconomics.com/united-states/interest-rate (scroll down) ; D.
Credit Card rates dropped to "Federal Funds + 8%"(="Prime + 5%"), without card
cancellations allowed for 1 year if no missed payments, to be reassessed after 1
year, and possibly repeatedly reassessed after a 2nd year, to see if banks are
lending less:
https://institute.jpmorganchase.com/about/our-business/historical-prime-rate (see
the prime rate in 1984 was 13%, compared to 3.25% now)


Another idea:
v. Maximum Consumption with Individual Capital Savings, but at what amount and how
much real estate.

Two more ideas, perhaps compared to point 2. above:
vi. 20-30 million of the nation's 73 million children receive free or subsidized
school lunches. I doubt they all eat dinner every night. Nor do they have all
necessities. Expanding the food lunch program to take food home, or giving cash
directly to them are some other ideas. Perhaps somebody can think about how to
help them.
https://www.nokidhungry.org/who-we-are/hunger-facts
https://mashable.com/2016/07/14/child-hunger-united-states/
https://www.feedingamerica.org/hunger-in-america/facts
https://www.childrensdefense.org/policy/resources/soac-2020-child-hunger/
"Before the coronavirus pandemic, more than 35 million people struggled with
hunger in the United States, including more than 10 million children."

35 million people struggle with hunger. But you give money to people who don't
struggle with hunger?

vii. 35 million x $10,000 = $350 billion. Probably reduce crime wholesale for the
year, too. Criminal Justice costs over $500 billion, probably much more, and also
makes it harder for ex-criminals to produce after they've stolen for their
desperate poverty. = $800/month as well as for the starving children (and easily
per year, but how do we get it just to them). If there are starving adults, there
are going to be starving children, period. This is just ad-hoc brainstorming, but
the issue could be addressed. Vs. there are suffering adults, and industry could
be made out of them, but the children produce nothing. In the future perhaps
$5,000 x 73,000,000 children per year would be $365 billion, ($30 billion per
month, $1 billion per day), or $416 per month each, and we could tax their parents
back for some of it, then it will probably only cost the taxpayers $200 billion
per year, and the kids could have $13.70 per day, but with their parents now
spending less on them. Of course, this should probably be pegged to per capita
gdp, or inflation, or it will have to be reassessed every few years again and
again. We need to get the adults working as soon as we can. Then there'll be more
money.
Perhaps we could give everyone $7,500 and allow working income of up to another
$7,500 from employment. Every penny over the addition of the two amounts would
reduce the amount from the government, until the point of it all coming from
employment (in this case only $15,000). You can use different numbers, but the
concept is the same. It's just how much it would cost. And it gives people an
incentive to work and earn more money, and not quit their jobs without good reason
($7,500/yr=$625/mo).

I believe we at least have to provide food for all our people somehow. Allowing
Americans to starve is criminal negligence.

Yet another idea; and everyone should brainstorm, and not be stupid: viii.
Fund the State Legislatures salaries and Staff budgets and/or make politics more
of a profession.

Also, don't forget about 600,000 homeless people x $15,000 = just $9 Billion per year.

3 reasons to spend are 1) Stimulus, 2) COVID Socialism (which just happens to
coincide with Stimulus), and 3) Socialism.


No to Immigration: Everything is population vs. property, and labor vs. capital.
Immigrants are possibly 100% responsible for population growth as they have many
more babies when they come here. So I say.
A Statue of Liberty that says "send me your homeless," and "I lift my lamp to the
golden door," while there are 60,000 homeless on the streets of New York, is a
joke. America would rather alternatively consider free association with nations
which have as much equity, per capita, as she does. Though there are several
subsequent factors which go into uniting countries. Nicaragua doesn't let in
Haiti. More intelligent geoglobalism is possible, which enriches America at the
same time as other Nations. Mexico should become as three Spains. Then they'd
stay there. Mexicans, who are coming across the border, are not getting free
educations in Mexico (and there is no sufficient minimum wage there relative
either). Unskilled labor, and thus people with no assets, is the issue
anti-immigration, seeks to address. Foreign Aid (no doubt) is cheaper than
Immigration. The fruits of our capital and labor, result more from the fruits of
our capital, than from the fruits of our labor, and the capital is making the
capital into more capital with a certain amount of work, and consumption is
insufficient until the capital grows farther. vs. using foreign poor/cheap labor,
where prices are poorer, and importing with import taxes.

We're all equal in Cost and Expense and Spirit.
We have differing Assets, which beget a differing return on those Assets:
Financial Assets; but also, Brain; Body; Academic Credentials; & Work Experience.

And to a lesser extent; Talent; and Brand Fame.

Nepotism - favoritism to one's relatives - is unfair. Everyone has people who's
parents helped them more, and less, than other people. Basically, people give
you, and say you're a success, or withhold from you, and say you're a failure. You
have to make something out of something. You might make nothing out of something,
but you'll sure make nothing out of nothing. The homeless won't even be able to
work for you, without support to get things going. There is no way off the
streets without cash. You won't have a surgeon, nor a nurse, if you don't educate
them.

We could make our civilization fairer. We move closer towards utopia or dystopia
every day. People with differing rights to consume, have differing values. These
values are not all legitimate relative to the Macro.

The Macro, and the State of our Union, is what matters, and is the cause and
direction, of our Empire.

It should be studied and remembered, that the trade off is between inflation and
unemployment. Higher inflation means higher interest rates, but it means lower
unemployment and more production. The National Debt does not matter. But high
inflation and high interest rates, *do* matter, and yet would be because of a
booming economy, unless there was Stagflation.
https://en.wikipedia.org/wiki/Phillips_curve
https://www.stlouisfed.org/open-vault/2020/january/what-is-phillips-curve-why-flattened

The more we analyze how to spend, the richer we become people. We always want to
spend wisely. And yet at a certain point we have to spend anyway, to stimulate
the economy, or we will not realize max production. Please analyze how to spend,
and help the U.S. become rich.

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