This site is about why how to create fair and sustainable welfare for all the people. The current financial system based on fractional banking and debt-money is not efficient, results in common people getting poorer and potentially in a breakdown of the banking system. 

What's wrong?  Banks are allowed to lend out more than they receive in savings from us, the people. This is called fractional banking. If you save 10 Euro wih a bank, this bank is allowed to lend out say 90 Euro against this 10. Clients who borrow this money from the bank have to pay back the 90 plus interest.

What's the result? Too much money and too much debt is created. We now have more debt in the world than ever before.  This is ridiculous. This results in price inflation, which makes the people in general poorer. Banks are getting rich: the borrower has to pay the bank money and interest which did not exist before. 

Governments are allowed to run deficits with the excuse that they need to stimulate the economy and 'aggregated demand'. This is Keynesian economics and bad fo us, the common people. I believe the government should not interfere in the preferences of free consumers. I also believe governments should not issue bonds and should not be financed by the banks. They should run balanced budgets.

That's it? No, if there is too much money, investors do not invest this money properly. The Austrian School of Economics nicely explains this, already early in the 20th century. Money should find it's way to consuming what consumers need. What's not consumed can be invested in the best investment opportunities. I believe that investors should apply 'Farmers Law' to their investments. This site explains this Law and why it is important to invest your savings properly. We introduce some straightforward formulas under a gold-standard and a fractional banking world, and addded a further explanation under downloads, to illustrate the point

This site also illustrates that under our fractional banking world, no matter how well we invest our money, we will probably end up poorer in any case. This is due to price inflation as a result of the printing of new money. In a separate download we introduce a formula for Pm, price inflation, that is included in Farmers Law.

Worlwide, more and more people are starting to understand what's wrong with our financial system.  Some are occupying the streets now. We strongly support the Occupy movement and hope they truly understand what they feel. A good starting point is to understand what money really is or could be. In the next section we introduce you to our thinking.   
 
Under Contact Me you will find updates and sometimes a brief commentary of last week's events. Under Downloads we made available short stories explaining Farmers law.  It illustrates the working of a gold-standard economy and our fractional banking world. We will add to thee stories and for instance illustrate equities cannot return nicely (say 7%) for ever. In 2012 we will launch our Pamphlet Solutions for a fair and sustainable welfare.

If you have any question, please send an e-mail. Any question related to this subject is very welcome.