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Program - Finance

Free current account
Free current account without conditions for all persons aged 14 or older and entities.
Non-interest overdraft facility for personal financial emergencies up to DV 10,000 (EUR 11,600).
Interest-free loan up to DV 90,000 (EUR 104,400) for payments of own housing costs.

Unconditional universal free basic income
A weekly basic income which shall be sufficient for a basic living standard.
One half is added to the current account the other half to a payment card.
It is paid by a complementary currency, the same amount worldwide (very important!).
Money creation through payment of a basic income. The money supply is reduced again by a 10% income charge on account credits and by a low inflation.
The weekly basic income is DV 60 (EUR 69.60, which adds up to monthly EUR 299.28).
Including supplements up to DV 240 (EUR 278.40, which adds up to monthly EUR 1197.12).
Parents receive a basic income for up to 3 children (DV 45 or 75 or 90), also guardians (and pension hours).
The basic income also frees the fathers of compulsory alimony payments and compulsory alimony payments for divorced persons can also be abolished.
The basic income can replace any social contributions of the state.

Pensions are paid in addition to the basic income. Therefore, pensions are no longer needed to finance the cost of living, but only a bonus for hours worked.
The monthly pensions are free of taxes and duties. There are no minimum pensions and double pensions.
Pensioners are allowed to earn extra without limit.
The pension system is self-financing, grants from the state are no longer required.
Version by contributions
The contributions are saved inflation-free as a pension value.
From this the monthly pension limit is calculated: from 55 0.25%, from 60 0.5%, from 65 0.75% and from 70 1%;
Pension reserves are distributed one after the other up to the pension limit until they are used up.
Version by working hours (each hour worked is worth the same)
From the working hours the pension hours are calculated: From 55 25%, from 60 50%, from 65 75%, from 70 100%; At a low wage level there is also a reduction factor (25%, 50%, 75%);
The pension reserves are divided by the total pension hours, results the pension per pension hour, multiplied by the number of pension hours, results the pension.

Taxes, Charges
Money and wealth taxes or charges
Income tax or charge 10%
Credits on accounts are subject to a 10% income tax or charge (automatic taxation).
Exceptions: basic income, basic wage, pensions and others.
Also income on personal accounts up to the value of DV 12000 (EUR 13920) per annum.
Cash payments are excluded. Therefore, cash withdrawals are limited to DV 1000 (EUR 1160) per month.
Advantage compared to the VAT-system: The company doesn't need bookkeeping for tax reasons anymore, no double pricing anymore.
Value added exit tax 25% (= 20% of total amount)
For amounts transferred to foreign or other currencies (automatic taxation). Also transfers to countries which do not have this tax.
Further advantages: Tax avoidance and tax evasion are no longer possible. No costs for tax collection. Corporate tax not needed anymore.
Wealth tax
Applicable is account wealth exceeding the value of DV 10 Million (EUR 11.6 Million).
The wealthiest 1%: 1% quarterly; The further wealthiest 9%: 0.25% quarterly;
Inheritance tax
Beneficiary in real estate is the municipality otherwise the state.
Except from the calculation:
Agricultural and forestry land including buildings, machinery and equipment used by the deceased and intended for use by the heir.
Tax-free allowance per person: DV 1 Million (EUR 1.16 Million);
25% - Over 1 Million to 10 Million
100% - Over 10 Million (EUR 11.6 Million)
Stock exchange tax
4% of the shares are additionally issued and forwarded to the tax revenue office of the country at each beginning of the year.
This includes also domestic companies listed at foreign stock exchanges.
Also applicable to listed foreign companies operating in the country directly or via subsidiaries proportionally with the domestic percentage of their total revenues.
Capital gains tax, speculation tax 25%
Applicable to any capital gains which are external of the automatic taxation system.
Wage tax
Applicable are wage payments and other payments for work.
Tax-free allowance up to double the amount of the average gross wage of the country;
25% of the gross wage exceeding double the amount of the average gross wage up to four times the amount;
50% of the gross wage exceeding four times the amount of the average gross wage;

Tax and charge to finance the pension system
Turnover surplus tax
Monthly, turnover surplus = sum of account credits − sum of account debits (automatic taxation);
5% companies listed at stock exchanges including subsidiaries, 2.5% all other companies;
Pension contribution at wage payments
Value added 10% of the gross wage amount. There shall be no further compulsory contributions at wages.

Other taxes or charges
Value added taxes to finance the health system
Taxes on unhealthy products, pollution and depletion or import of resources.
200% mineral oil tax (= 66.6% of total amount), shall include all mineral oil products;
1000% uranium, 500% coal;
400% smoking tax (= 80% of total amount), formerly tobacco tax;
400% spirits tax, drug tax;
100% sugar tax, red meat tax (meat from the mammal), cow's milk tax, alcohol tax (non-spirits);
Land Consumption Tax
At consumption of potential farmland; to finance environmental care (wildlife parks, reafforestation, restoration to natural state and other environmental care projects);

Local taxes or charges
Property tax or use charge
Yearly fixed and charged by the municipality, except for inhabited apartments with a land share up to 400m².
Applicable for inhabited apartments with larger land share, uninhabited apartments and houses, dilapidated and unused buildings, fallow land and grasslands; In case of non payment confiscation of the property.

Public debt
All governments must have balanced budgets, it must not be possible to make public debt. No newly issue of state bonds anymore.
Once established, any existing public debt can either be repaid by tax revenues from capital taxes (wealth tax, inheritance tax, stock exchange tax) especially foreign debt or refinanced to interest-free debt (debit at the central bank).
Governments should not repay public debt with tax revenues that come from the people or businesses because the money is taken out of the economy, which causes a downward cycle.
The debts are automatically reduced anyway by inflation, substantially at the next high inflation or hyperinflation.
The current false government financing with government bonds requires interest payments (= triput of the people to the rich). Current governments are being forced into more and more debt until the country's financial collapse.

New Banking Laws
Banks and other lending institutions should not be allowed to charge real interest. Just interest up to the inflation rate plus an administrative fee of up to 1% per year shall be permitted.
Issue of money:
The current central bank system permits private banks to generate money from nothing and lend it for interest (= fraud!), just money in possession may be lend.
Since this is made possible by the double-entry bookkeeping this must be prohibited.
Furthermore, banks and other lending institutions should not be allowed to take loans, not even from the central bank.
Central bank:
The central bank is to be nationalized. Old government bonds can be sold to the central bank, interest-free debit to the state.
Companies should not be allowed to issue bonds. Already issued bonds are to be converted into shares.

Version Oct. 28th, 2018

"If the smart are not willing to engage in politics they are punished by being ruled by someone worse"
"The price of apathy is to be ruled by evil men" (Platon 427-347-C)
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