Category Archives: services

363. Housing is a Human Right | Equal Money

 

Having people existing without adequate housing – or no housing at all – in this world proves that any belief of us being  ‘evolved’ species is absolutely wrong. We still ponder money over each other’s basic necessities; meaning that we rather have opulence for a few and misery for the vast majority – every form of abuse and created lack in our world system is the reflection of our nature. Are we ready to prove we can in fact give to others the necessary infrastructure we require to Live in Dignity?

 

Continuing with:

 

Problem                                                  

  • A house is probably the ‘biggest thing’ a human being is meant to buy and sometimes strive to work for in an entire lifetime – we haven’t yet questioned how is it that our own household is not a given right but instead, a contract you enroll yourself with in order to secure your life and that of your children wherein most of the times, you end up paying a lot more than the original cost – unless you are rich and pay in one full cash payment – and even worse, pass on the mortgage to your kids if you don’t manage to do it in a lifetime.

 

  • The Right to adequate housing is a Human Right since 1948 as promulgated in the Universal Declaration of Human Rights – however as fundamental it is for all human beings, we still have over a billion people having no proper housing or No housing at all because no Government or any other International Organization has in fact secured this right by financially contributing to its realization.  This means that as long as we have the same world-system where money is more important than adequate living conditions for all living beings, we will fail to live in a world with actual happiness and well being, because we haven’t understood that we are interdependent, a social organism wherein the suffering and lack of one single individual affects the Whole.
    •  

      “Everyone has the right to a standard of living adequate for the health and well-being of himself and his family, including food, clothing, housing and medical care and necessary social services, and the right to security in the event of unemployment, sickness, disability, widowhood, old age or other lack of livelihood in circumstances beyond his control.”
      Universal Declaration of Human Rights (Article 25.1)

      http://www.unhabitat.org/

       

      Several constitutions explicitly refer to the right to adequate housing, including those of Belgium, Seychelles, South Africa and Uruguay. Other constitutions suggest a general responsibility of the State for ensuring adequate housing and living conditions for all.

      The Right to Adequate Housing

  • De jure, the right is well stated, de facto:

Townships in South Africa

Townships in South Africa

Gugulethu-006

 

•    The right to adequate housing does NOT require the State to build housing for the entire population. One of the most common misconceptions associated with the right to adequate housing is that it requires the State to build housing for the entire population, and that people without housing can automatically demand a house from the Government. While most Governments are involved to some degree in housing construction, the right to adequate housing clearly does not oblige the Government to construct a nation’s entire housing stock. [….] the Government, rather than playing the role of housing provider, becomes the facilitator of the actions of all participants in the production and improvement of shelter

The Right to Adequate Housing

 

  • About 1.6 billion people live in substandard housing and 100 million are homeless
  • Each week, more than 1 million people are born in, or move to, cities in the developing world
  • One billion people (32 percent of the global urban population) live in urban slums
  • If no serious action were taken, the number of slum dwellers worldwide would increase over the next 30 years to nearly 2 billion

    http://www.habitat.org/how/why/

 

• By the year 2030, an additional 3 billion people, about 40 percent of the world’s population, will need access to housing. This translates into a demand for 96,150 new affordable units every day and 4,000 every hour. (UN-HABITAT: 2005)

 

Access to land is fundamental to adequate shelter. Having legal title to that land encourages families to invest and improve their homes and allows them to access credit and other public services such as water and electricity. Nearly one sixth of the world’s population is living without secure tenure (UN-HABITAT: 2008).

 

 

 

De Jure:

Constitution of Mexico, 1917 (as amended in 1983)
Article 4
[…] Every family has the right to enjoy decent and proper housing. The law shall establish the instruments and necessary supports to reach the said goal. […]

De Facto:

Mexico City, 2013

 

Foreclosure:

    • In the United States alone, 95 million people have housing problems.
      Including payments too large a percentage of their income, overcrowding, poor quality shelter and homelessness

 

  • Irresponsible home lending in the United States created a domestic housing bubble that, when it burst, helped to spark the global financial crisis.

    Property bubbles in Ireland and Spain left banks holding hundreds of billions of euros in bad debts, forcing governments to prop them up and then seek euro zone bailouts when the expense proved too much.

  • Across the nation, homeowners—many of them minorities—struggle to stay afloat as they watch their savings plummet and their dreams of maintaining a middle-class American lifestyle disappear. In its place are notices of default and the impending threat of bankruptcy.
    In California, a total of 65,466 homes are in the pipeline for foreclosure, many of them purchased before the housing market crash in 2007.
  • Of the 21 major California cities examined, more than eight in 10 homes in danger of foreclosure are in areas where at least half of its residents are minorities—evidence, the report’s authors say, that further supports the idea that the housing crisis has been particularly harmful to African-American and Hispanic homeowners.

 

  • Because of the Housing Bubble that burst in 2007, hardworking and middle class people’ have been evicted out of their homes due to their inability to pay their bills and mortgage on time. This is partly due to the greed that led people to refinance their homes in the belief that their property was going up in value, without realizing that it was never to their benefit but only a trick of the banks that financed all these loans. You require to have ‘good standing’ in your credit line in order to get loans yet you require sufficient income to create such ‘good credit’ and in that, most of the people end up not even getting access to such loans, which is a cul de sac that millions face every single day, aiming to earn more money to be able to be a candidate for a mortgage – which means, engaging in a larger debt… 

    The bottom line is that due to making of housing a business instead of a living right to be given without any form of interest, we are now witnessing the dismantling of the middle class forming part of the poverty line where only a few take advantage of the majority’s accepted and allowed contracts of death, which are all the mortgages that have become insolvent and inevitably leading people to live in tent cities now.

“To have a house or an apartment is not a luxury – it’s a basic necessity – everyone household should own one. Currently less than 10% of the South African population is capable of buying a house – one that isn’t made of mud and sticks.
So – how is it that we think it is okay to have a market force decide on the distribution of something as necessary as housing? Where we end up with only a 5th of the population having access to the funds to buy a house?

Day 212: Everyone Needs a House – Why is a House not Guaranteed? ~ Economist’s Journey to Life

 

  • It is unacceptable that we require corporate financial institutions a.k.a. Banks to decide who is in sufficient ‘good standing’ to get a loan to buy a house. They get to print the money for it and on top of that, make More money out of the interests that are generated within each and every single mortgage that people engage with in order to have a place to live.

Tent-Cities-460_981652c

Tent Cities in America

Watch:

 

 

Evictions

Read carefully:

The right to adequate housing does NOT prohibit development projects which could displace people. It is sometimes believed that the protection against forced evictions prohibits development or modernization projects that entail displacement.

The trauma experienced following a forced eviction can also impair a child’s capacity to attend classes. During forced evictions, people are frequently harassed or beaten and occasionally even subjected
to inhumane treatment or killed. Women and girls are particularly
vulnerable to violence, including sexual violence, before, during and after
an eviction.

The Right to Adequate Housing

 

  • There is no consideration when it comes to having urban developments and corporate settlements having all the necessary governmental support to build that which is profitable with the excuse of making our cities ‘look better/ be more efficient’; this also extends to having to reassign territories that are in political dispute than often lead to violent and extrapolated processes where people end up getting a notice of eviction in a matter of days without any opportunity to appeal to it, since most of the times these are houses where poor people live in. This demonstrates that the use of force along with the righteousness over those that have no means (money) to defend themselves from these processes is still a form of abuse justified with supposed urbanization, but why is then housing not part of this basic urban infrastructure provided for all living beings – this is in fact a human rights violation in the name of civilization that only a few get to benefit from.

 

Tuesday, 23 April 2013 09:27

Over 200 Farmers Risk Eviction
More than 200 farmers are at the risk of being left homeless after they were given an eviction order to vacate from their farms in Kenya

The locals protested the eviction of genuine land owners and the subdivision of the land so that it could be awarded to other people. Locals also claimed that they had owned the land for more than 15 years and had been given allotment letters by the government to prove their ownership.

They further stated that it would be unconstitutional for anyone to evict them from the land without a proper reason or compensation.

http://citizennews.co.ke/news/2012/local/item/9804-over-200-farmers-risk-eviction

 

  • If someone  or a corporation  decides that your little adobe house is standing in the way of a great project to build a shopping center, you the owner of your house, even if having the property documents in place, will be forced/ kicked out of your house because it is in the best interest of the city and corporation to give your space a ‘greater purpose’ such as building a supermarket or  new roads etc. One would be able to get to a decent agreement to in such case re-allocate people to an even better housing condition – yet this only exists in our ‘utopic dreams’ because most of these people are forced to see where they go in a matter of days, having to move their entire families, their personal belongings, their ‘history’ of having lived in a certain space – that could have even been given by previous governmental administrations as a form of housing support – yet it now can be taken away because ‘New Interests’ and urban planning happen to be envisioned in the area you and your house is occupying. They have no rights, no means to appeal, but only comply to the mandate of those with all the money/power to do this.  There are millions of heartbreaking stories like this, where people now enter a shopping mall, a museum, a road that once used to be the space they once called ‘Home.’

 

Discrimination

  • Discrimination means any distinction, exclusion or restriction made on the basis of the specific characteristics of an individual such as race, religion, age or sex, which has the effect or purpose of impairing or nullifying the recognition, enjoyment or exercise of human rights and fundamental freedoms. It is linked to the marginalization of specific population groups and is generally at the root of structural inequalities within societies.
    In housing, discrimination can take the form of discriminatory laws, policies or measures; zoning regulations; exclusionary policy development; exclusion from housing benefits; denial of security of tenure; lack of access to credit; limited participation in decision-making; or lack of protection against discriminatory practices carried out by private actors.

•   To sum up: Access to housing is most at risk for those denied the right to education, work or social security.

The Right to Adequate Housing

 

Vulnerable groups:

  • Victims of violations of the right to adequate housing often belong to the most marginalized and discriminated groups, such as the urban and rural poor, racial or ethnic minorities, indigenous peoples, irregular migrants, internally displaced persons or women. Providing legal aid can ensure that victims have access to remedies in cases related to the violation of the right to adequate housing. Otherwise, they might, for instance, have to choose between paying court fees and sending their children to school.
A. Women
B. Children
C. Slum-dwellers
D. Homeless persons
E. Persons with disabilities
F. Displaced persons and migrants
G. Indigenous peoples.

The Right to Adequate Housing

  • The specifics on each group are worth separate articles to exemplify the level of discrimination we have created  when it comes to our human ability to categorize and label people according to what we want to perceive they represent in a system where all values are separated from life itself, denying Equality as life.

 

Adequate Housing

  • The right to adequate housing includes ensuring access to
    adequate services. The right to adequate housing does not just mean that the structure of the house itself must be adequate. There must also be sustainable and non-discriminatory access to facilities essential for health, security, comfort and nutrition. For example, there must be access to safe drinking water, energy for cooking, heating, lighting, sanitation and washing facilities, means of storing food, refuse disposal, site drainage and emergency services.

-|The Right to Adequate Housing

  • States rather spend money on luxurious infrastructure to host corporations, industrial compounds and shopping centers than investing in these basic components of what should be a right to every single individual to benefit from – instead we have over 1 billion people without toilets in this world without even pondering what consequences that creates at a Health care level.

 

  • Try the following for yourself: spend one single day without water, without keys to your home, without a proper toilet, without electricity, without the security that your four walls no matter how great or small they are they give you, I guarantee you that all your focus and attention will be toward ‘getting the water back’ and ‘getting the electricity back’ and doing anything you can to get back into your house. It is impossible to conceive we are creating this perpetual state of fear in which Millions of people around the world “live” in – yet we have all our tax money being spent in Wars, paying excessive salaries to politicians who are the ones that are supposed to guarantee all of this – well, now you may know: it is not their obligation to guarantee these things to you and it’s not in their best interest either, which proves that we are existing in the current situation because we have accepted and allowed it.

 

De Jure:

    • States have an obligation to prohibit and eliminate discrimination on all grounds and ensure de jure and de facto equality in access to adequate housing and protection against forced eviction

 

De Facto:

 

Further Read:

 

 

Solutions                                                              

The Right to Adequate Housing

  • Having a place to live in will no longer be defined by having or not having money, having or not having sufficient ‘credit reputation’ to do so. With Equal Money along with Equal Life Foundation, the Right to Have a House will be guaranteed by each individual through the necessary managerial organizations – government/ commissions/ organizations  that we the people will establish as the way to ensure that all resources, all basic needs and services are enjoyed by every single individual in this world. This will be possible and a reality in comparison to what we have now based on the fact that Money will be redefined to stop existing as a system of debt and ‘Mortgage’ in itself, and instead become a Rights Document as a Counting Tool to ensure that everyone gets Equal Money as a guaranteed access to housing and all the services entailed within it. This means that:

 

4. An Equal Housing Right that assures every being and every family a stable home environment that is nurturing and supportive of life, properly founded within communities that assist and support a life of dignity and integrity.

Equal Life Foundation

 

  • There will be no ‘disadvantaged groups’ since all human beings and living beings will be Equal by Constitutional Equality. This means that nor money or a particular tag imposed to a group of people will be a limitation for people to benefit from the best living conditions we can all cooperate to create. By having access to the materials, tools, people and information to build, we will be able to choose what our house can be like in accordance to that which is sustainable and common sensical when it comes to the use of space, people living in it and the main purposes that we will require according to our needs. All National Laws will be applied within the consideration of the Equal Life Bill of Rights which declares the minimum yet best living standards that all individuals will be supported with.

 

  • Everyone will be able to have a house to live in without having to enroll in any form of mortgage or financing process that ends up in endless cycles of debt and increasing interest rates, since money in itself and the financial/banking systems won’t exist within Debt and Interest fictions, instead Money becomes the surety of our Rights by virtue of defining money as the right to Life in Equality which means granting each other access to what we require to live as well as ensuring that we are the ones that create the necessary methods to best make use of money to acquire the necessary materials and/or remunerate those that support with building processes. This will imply that building houses will become a basic skill that will also be taught in school, since it is essential for all individuals to have the means and ways to build our basic foundation to live in dignity, which is a house along with all the services required to make it an adequate housing.

  • The Equal Life Foundation in conjunction with Governments upon the Equal Money System’s implementation will ensure that every single aspect of adequate housing is in fact being implemented. All individuals will be able to monitor these processes by publishing all the data that will us all about the housing processes around the world. We will even be able to proceed to collaborate to, for example, support with building houses in places where there are No houses at the moment – such as all the Southern pole of this globe that is mostly subsumed in poverty. We will focus on first dignifying the lives of those that lack and then proceed to upgrade everyone’s living standards: those in extreme need come first.

 

  • Housing implies proper and adequate habitat for all living species which means that taking care of our Rights to proper Housing extend to ensuring that this World, Our Home, our Planet Earth is also an adequate and most well suited living space for all the billions of living beings – Animals, Plants, Minerals, Air –  that populate this Earth; this is their home, we have abused the environment and consequentially them as well for far too long – this is their planet as well and so we commit ourselves to become the Guardians of the Ecosystem which is our Collective Home – one and equal.  

 

     

    The Fifth Fundamental Human Right is that: Every Human Being Requires a Place to Live, a Roof over their head, a Home, a House. The Human is Not Designed to Live out in Nature. The Human Requires a particular Known Way of Protection: a House. Housing is Not Negotiable when it comes to Human Rights, there is No Way that Anyone that has a House can Claim that their Right to a House is more than another and that they have a Right to Allow Others to Sleep on the Streets or to have No Place that they can call ‘Their Own.’ Thus, a Home You Can Call ‘Your Own’ is a Basic Human Right, which is part of the Fundamental Nature of the Human Being, the Actual Human Nature which is: You need Food, you need Water, you need a Home.

    DAY 362: Human Rights and the Equal Life Foundation

     

                   

                   

                  Rewards                                                              

                  • No single individual or living being will be denied the right to proper living conditions. homelessness, more financial housing bubbles, no more mortgages, no more evictions, no racial or immigrant status discrimination, no more cheaply constructed buildings attempting to be ‘adequate housing’ – it will be in our hands and our own skills that we will be able to take care of the construction of the place we live in without any budget restriction, since all materials required to build houses will be given by virtue of having the right to build a house. Therefore it will be our responsibility to build our houses according to the ways and designs that we decide are most convenient for ourselves. There will be different spaces for different geographic and resource-based needs – this will all be possible as long as we ensure that not a single individual is left behind without having the same opportunity to also decide what is best for them to live in.

                   

                  • Neighborism means “Loving Thy Neighbor as Thyself” = No more violence or sudden expropriation of the place you live in. Your house will be the place wherein you will be able to ensure that yourself, your children, your neighbors are in fact living in harmony and genuine enjoyment of sharing an environment that one is no longer fearing to lose or expecting to sell to get more money, this is about developing the best living stability that we can once that we will no longer be limited by money to create the best environment we want our future generations to come and live in.

                   

                   

                  Housing - Equal Money

                   

                   

                   

                   

                   

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                  353. The Best Regime is Equal Money

                   

                  We haven’t questioned the words we speak as  the nature of actions they contain, we haven’t abolished money as a belief system of debt in function of abuse. If anything it should be a point of great concern how after thousands of years we haven’t ever coexisted in the best way possible where all living beings are equals in all aspects as Life. This is because all our regimes have consisted of structures founded and determined to generate systems of power and control and as such, inequality has been accepted as ‘the way things are’ without a question – it is about time we begin realizing the actual abilities we have to correct this, which begins at an individual level to understand what does constitute an actual goodwill in humanity.

                   

                  Continuing:

                   

                  Problem                                                             

                  We are  species that have specialized in creating words, placing them in  books full of  statements intended to guide man’s life,  but we haven’t ever lived the ideal and best intentions placed in our constitutions  in order to generate an actual well being in this world that stands as the best way to direct ourselves to live as Equals in harmony and peace. Throughout time we haven’t yet questioned why we seek to ‘Change the World’ and haven’t first looked at why we have allowed ourselves to remain in the damaged and defunct state of the world system that we are attempting to ‘change’ and apparently ‘live’ in; we look at history without realizing that the nature of  humanity has maintained and sustained the same cycles on enslavement because we have failed to understand how it is that each one of us has complied to re-enact the same power structures over and over again, there has been no human evolution but only a change of scenarios that creates the illusion of it.

                   

                  Some others might have had great intentions to change the world system but never actually realizing that only writing and promulgating laws intended to generate common good won’t create a sudden ‘good willed nature’ in humanity; in fact the opposite has happened where currently no one can trust any form of governance or our neighbor because we have made everything so corruptible to the point where we have become subject to participating in a system that is not working according to generate a common well being that is applicable to all, which means everyone is bound to be born into slavery where our politics are based on offense-defense balancing between nations compete against each other to see who can accrue  the most wealth, using resources and man labor as the ‘fuel’ to keep the good life being enjoyed by this winning minority. Every regime has incorporated these ‘particularized’ needs where subjective aspects as points of identification and differentiation  from other states ,were considered as specific directives in their constitutions according to culture, tradition, religion, habits,  which led to the inevitable segregation between humans just because societies became characterized according to the interests of the ruling minority, which would then signify the basis of their  that specialness, their privileges which became the configuration of the way people live in a particular territory: it became people’s binding force of identity that turned into a strong belief of ‘what the people stand for,’  what their purpose in life is and how they view their own life according to these living codes embedded in their particular system.

                   

                  We have always been governed and subject to governance wherein the rules of the game are written by individuals that may or may not have the best interests upon society, however such constitutions are not lived by the individuals and any other form of comparative studies of why this is so are also useless because there is simply no physical common sense that is regarded as universal directives that should be considered as a universal law that we could all abide to by a mere agreement on recognizing the equality that exists within and as ourselves as life.  We can already attest that all form of political philosophy has failed to do its job to generate living lawful principles that human beings could apply and live by to generate the necessary change within the nature of man, as Rousseau claimed.

                   

                  Thinking in terms of ‘What is Best for All’ already get people raising their eyebrows – however this is also proven to be difficult in our lives where no actual educational processes about the nature of the system have been provided in order to understand why equality has been relegated to a fringe term that is de jure present in all constitutions and charters, de facto never lived or applied on Earth. Thus the type of regime determines how people apparently ‘choose’ the decisions based on the values they learn at school, the politics in their nations, it is as if we haven’t yet learned  any other way but what we currently know ‘it’s best’ and continue to accept things as they are. This is for example how we continue to believe that being governed by a few ‘educated people’ that ‘know what they are doing’ because they have been trained to take such positions in the world system are more ‘trustworthy’ than anyone else, which is why the rest will simply follow to deposit faith that it will eventually all work out as intended – whether such intention is to enslave or uplift humanity, same point, we simply agreed to it because we believe we don’t know any better than them. For some others it would be to live in self governed small societies with a religious purpose in order to venerate life and some gods alike – some others can think of a Global Equal State order where all human beings can in fact be free under a single regime where life is valued and lived in Equality. Well, we agree with the latter – however why would this Not Be immediately recognized by every individual as the Best  foundation for a Regime  that can exist?

                   

                  To understand the cognitive dissonance that exists in order for the majority of the people in this world be able deny that Valuing Life in Equality is what’s Best for All, we have to realize that there is an entire educational apparatus existent in order to shape the human mind according to that which will serve a particular nation or regime in the best way possible. It is thus obvious that in a corporate capitalistic system, these values are shaped according to commerce which means consumption, buying and selling, defining our status according to that which own and making ourselves honorable for supporting wars that ensure corporations are well fed with an apparent cause to defend our honor, our security and promoting ‘good values’ such as words that sound like freedom and democracy, but are in no way actually meaning the signification of the words as we know them to be.

                   

                  These are the values that are ‘fought for’ in the country that we’ve used as example for the purpose of understanding the problems in our world, the United States of America  (for more you can read the entire series 307. CapitalismUS: Pursuit of Happiness and the rest of the posts after this one) This is thus what defines how a person lives, how life is conceived, what their every moment is veered toward and lived for which in a society like the contemporary American culture, is to obtain happiness – this might not seem different to the same purpose placed by human beings in ancient times, however the How and What makes people happy is what has been upgraded according to the current regime. This is how words are defined according to that which serves the establishment – an example is how happiness for an individual can be founded upon being rich, owning properties all over the world, traveling, sitting by a pool drinking and admiring the scene of a ‘good life’ while for others happiness would mean having potable water, food, shelter and dignified living conditions – it must be very clear what has shaped our particular and personalized values no matter in which nation we live in, which is Money. As long as we still see through the eyes of the characterization that words have gained within a particular regime, we will continue to ignore common sense such as understanding in a physical common sense what is Best for All which is explained in the first post of this series.

                   

                  The problem is when we talk about being a ‘good citizen’ and being a ‘good human being’ – Citizenship is related to the particular contract we are born into as part of particular nation or state – this is what we sign ourselves into from our birth certificate till the moment our Death Certificate which is a state of de-function which means we are no longer functional to the purpose we were signed into as part of our countries functioning as corporations. This Good citizenship ties in with what was explained in terms of the System  Honesty and Integrity discussed earlier in this series, wherein we abide to the norms, the values, the laws and regulations of our particular regimes simply because that is all we have ever known and we also know that if we don’t abide to that, we can get the opposite of reward which is punishment and as such, fear is the counter act to maintain people in a ‘good citizenship’ status as a reward to never question why such regime is not working according to that which is best for all, which is a question we all should have asked ourselves by now, yet even if we have, we haven’t done anything to change the reality of this until now.

                   

                  A regime is not only a structure and several institutions that govern us, it is an entire way of living and establishes the foundation for everything we do, how we live and how we relate to one another. It constitutes an ethos   and so far all of the different regimes have catered for a diversity based on particular interests  that are mutually exclusive.

                   

                  It should already be known that much before our monetary systems were in place, there has always been a form of order in our societies established through force creating rights and such dominant forces shaped our constitutions wherein the so-called ‘best conditions for everyone’ were shaped according to a particular culture, religion, , traditions, language and meaning of words, time and space context,  habits, etc. It is thus to understand how by the differentiation in how we understand the world through the meanings we acquire/ learn  in our particular educational/indoctrination  systems,  we create ideological, philosophical, moral and ethical barriers  in order to justify one single thing: the inability of man to live in Equality, the inability to actually put 1+1 together and realize that the simplicity to create what is Best for All is actually physically evident. Why haven’t we done this then? Because we are so used to merely following orders and being told what to do by a few as long as we don’t have to partake in the necessary involvement that managing and directing our lives actually requires, wherein not only a few should be interested in the frameworks that define the way we live and take the positions that enables them to do what they see is ‘best’ according to their particular interests. We have accepted and allowed things as they are, because we get to have a ‘good life’ where money becomes the alternative to govern ourselves by the power embedded in money and not by the laws that could do this without having to ‘strive’ to make a living or compete to make the most.

                   

                  Our current regimes are based on self-serving ‘living philosophies’ based on generating a feel good experience according to the amount of money that we have, which goes unquestioned because as long as our nature is not challenged in its root and instead fed by ‘how the system works’ – which is again the nature of greed, competition, selfishness, abuse and negligence  as the actual evil as the reverse of life, as everything that exists in the negative conditions that prevent the emergence of any actual goodness in man – we will continue studying theories about great societies while claiming the best regime is in fact ‘Utopic’ and lacking actuality – yes, this is not a coincidence either that we believe it to be such a ‘high end’ in itself such an impossible thing to concretize in reality,  just because we haven’t learned to become self governed individuals that understand that there we don’t require a Leviathan to take care of ourselves if each individual is able to live by principles that create a living regime where Life is Valued and Lived in Equality. Who has then accepted and allowed the limitation to live in an Equal Freedom? Us.

                   

                  Many claim that this Best Regime is idealistic in nature, it is superior to all because it is all encompassing as a Global System which should be based on Life in Equality and Oneness – yet again, we have to look at Human Nature as the Problem to make this a reality which draws us back to the initial point: if the Regime and ‘ways of the system’ is created by human beings, then what must be changed is the human nature in itself. De jure the constitutions to create the best regime do exist, de facto none of them are lived and applied, there is no actuality to a Best for All Regimes and even if we all physically understand what we require to live and know what would be the best way to coexist, we like to think that there is a form of specialness in opposing commonality, just because we learned how to praise individuality and superiority, without ever pondering how these ‘values’ are supporting the separation and abuse that some even dare to project and blame onto authorities for not recognizing them as our individual guarantees according to the laws, we are the ones that in fact make the life of the system be unequal in nature. Who are the real double edged swords then? Our words that have not been lived in a way to honor all life in equality yet.

                   

                   

                  Solution                                                              

                  • “We Declare Our Intention to Support, Nurture and Defend the rights of all Human Beings who walk upon this Earth and who share the Gift and Breath of Life. This intention is founded upon the recognition that all Sentient Beings are endowed with the unalienable rights of self-determination and the fundamental assurances of the minimum qualities of life, such assurances to be fulfilled by having the necessities of life such as proper nourishment, clothing, shelter, access to knowledge and education, training for fulfilling capacities to support and sustain their lives and their families, to be integrated within their relationships of social, economic, familial and community bonds.

                     

                    It is Our Dedicated Intention That We Shall Strive to assist all those in need in order that they may provide for themselves and their families the means of establishing the fundamental requirements of life while on this Earth. We shall be guided by our consciences and our intentions to honor all life forms and all human beings on our planet, and all sentient beings in existence as a whole, to apply our efforts to uplift and sustain the qualities of life that we wish to have for ourselves and our families, and to continue in our efforts until all on this planet have achieved such a goal. In so doing, we fulfill the law that states, “Do unto others as you would have them do unto you.”

                    Ken Cousens

                  • Removing Idealism from the term ‘Best Regime’ implies doing the opposite of thinking, which is acting, directing, convening, participating  and creating living agreements where all participants commit themselves to be co-creators of a new living system in and of Equality as Life. Within the Equal Money System which is the Equality System by excellence, we will undermine the potential harm existent in words and will direct ourselves to integrate the living principles that generate a Best for All living condition as part of our day to day interaction and participation in our world in and as the words that we speak. This is part of understanding that we are the system, we create the regime and just as language gets to a point of death if there are no more speakers that use it, we have to become the life of that new language as the words that will ensure the Best Regime is  lived in our very own words in every single moment that we are Here, coexisting and participating with everyone in order to make our lives possible.

                   

                  •   It is time to let go of being ‘good citizens’/ ‘good slaves’ to a system of abuse and instead understand the physical laws that govern our nature which is Life in Equality as what is Best for All. We are witnessing and becoming the living understanding of how it is that our world can in fact be if each individual lives by principle and not by negative enforcement to survive in a world of fixed scarcity, debt that sounds like death and antiquated values based on a power structure founded upon money as a relationship of abuse. It is crystal clear how the ability to change the world, to create the best living regime possible does not exist in one single book or ancient text with a magic formula to it, it is happening now, it is being presented by the corpus of the educational material available at Desteni and Equal Money, which are the two Educational and Directive Principled Pillars to be lived by each individual in order to manifest the change that we require to implement in this world.

                   

                  • The state current crisis in our word is sufficient evidence for us to open our eyes and understand that it is only in Equality, working Together and honoring each other as Equals as Life that we can come to this simple realization where the Best Living Regime exists the moment all living beings are equally  supported to live the best possible way, where all Nations become one single global estate that is no longer distinguished by a need to have more power over others,  but instead it is one lived and understood as a single organism living in absolute homeostasis and in symbiotic relationships.

                   

                   

                  Read about : Politics in Equal Money

                  Rewards                                                              

                  • No more political philosophy, no more sociological theories on all the various aspects that could ‘better’ human life because we will all be living in a physical understanding of what is Best for All and as such, direct and dedicate our lives to creating this new Equality World Order based on understanding our inherent interdependence in this social organism.

                   

                  • Any personal preference that does not oppose, threaten or harm this physical common sense will be able to be lived and integrated as part of our individual expression through our habits, ways of communicating, entertainment and personal inclinations as long as no other being is coerced to follow it, as long as no other living being is abused or harmed in such practices. This is how we can understand that our constant well being in a state of harmony, self honesty and interdependence is the happiness that was bought and sold in the ‘old days.’ We are here to finally integrate the living principles that will ensure all children are born into life and not into death as it happens in our current system. 

                   

                  • The ability to define and direct for the very first time an actual Living Regime in Equality is and will be sufficient proof that we have gotten to Equalize ourselves as life, which means we can only exist in such a system if Self Realization is lived by each individual co-operating and participating in it. 

                   

                  • It is about time we unite under the same symbol-less flag that denotes the unity between all men and women as equals, along with all other living creatures that coexist here and that must be Equally regarded as part of the necessary jurisdiction to ensure their well being as that is what we all want for ourselves and our generations to come into this world.

                   

                   

                   

                   

                   

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                  293. Services in Equal Money Capitalism

                   

                  Redefining Capitalism:

                  We’re going word by word in a very basic definition of Capitalism to redefine it, explore it and see what each word means and how we are able to re-direct every aspect of this collective agreement into a Best for All system.

                  Capitalism is an economic system that is based on private ownership of capital goods and the means of production, and the creation of goods and services for profit.[1][2] Elements central to capitalism include capital accumulation,competitive markets, and a price system.[3]

                  source: http://en.wikipedia.org/wiki/Capitalism

                  Service

                  ORIGIN
                      Old English, from Old French servise or Latin servitium ‘slavery’, from servus ‘slave’.

                  Continuing from:

                  For context on redefining capitalism, read: Day 180: The Word ‘Capitalism’ in ‘Equal Money Capitalism Redefined

                   

                  Services

                   

                  Problem:

                  • Profit sets the trend: Services are only currently existent as a means to obtain  money/profit without considering their actual need and importance within an actual functionality of the system itself.  This implies that many or the jobs that currently exist satisfy a certain requirement for profit, but in no way consider an actual involvement of all parts within creating/producing something that is beneficial to all life, but rather represent the relationships of enslavement that we have allowed through the system of hierarchy where those with the most can pay other to do the job that no one else wants to do.

                   

                  • People are replaceable: this means the usual ‘you can always pay someone else to do it’ and in this, a being’s living condition is not considered, but replaced if not ‘fulfilling the profile’ which is how people are currently existing in constant anguish and fear of losing their jobs.

                   

                  • Not all services are paid equally: a gardener, a janitor does not earn the same that a doctor or a ditch digger – this creates inequality at all times which is what we have to focus on realizing all services are equally important and valuable within the consideration that a doctor would not be able to perform his surgeries in an unclean area, nor would he be able to get to work if there were no people building cars, paving the roads, maintaining the gas stations and the list goes on, we tend to lose perspective of how interdependent we are  to function properly

                   

                  • Shitty jobs/services are given and taken by people that we have deliberately ostracized to not have opportunities to get a better education and achieve an actual equal-opportunity as anyone else to have a decently paid job. This perpetuates the various stratus in society that maintain our critical status quo of inequality.

                   

                  • Taking any job  to pay debt –  this is another outflow of our current system wherein we’ve forced each other to do jobs that are in no way fulfilling or an opportunity for further development but only to earn sufficient money to pay for basic services and goods to live, or any other form of debt.

                   

                  • Mechanical jobs for endless hours – this is what we currently know as slave labor which is a direct outflow from wanting to get the most profit with the least inversion on raw materials and work force, and in this nor resources or human work/social capital is taken into consideration as living beings, but only used as a means to get the profit.

                   

                  • Slave Labor– this is within the consideration of the amount of industries and corporations that handle products that are certainly not of prime necessity, this leads to more garbage, more greedy pointless consumption and more enslaving jobs that are not remunerated in a fair manner, this often implies child labor and menial conditions to live in, like all the people that currently manufacture our gadgets and clothes, among the rest of our foods and ‘goods.’

                   

                  • Competition at work between individuals/ companies leads to an aggressive constant bombardment of advertisements to be the ‘favorite service provider,’ which transforms the human being’s every day living environment into a constant advertisement campaign wherein life is reduced to buying/consuming and paying for someone to do  a certain job without any form of reflection/ introspection on what it is that we are In fact paying another to do for which could be done by ourselves or paid in an equally-acceptable way as those that we currently consider earn ‘good money.’

                   

                  Solutions: From Slavery to Equality

                  • By supporting everyone with equal education and equal support to develop our skills within an optimum direction to support activities and creation of products that better our living condition, we empower each individual on an equal manner, wherein each one will decide what do they want to contribute to work with in the community/society. This removes the constant ‘low-paid-jobs’ that are considered profitable but in no way do they represent an actual human expression that supports the real development of ourselves as humans and along the rest of the environment that equally forms part of our resources used to live/ at the service of life.

                   

                  • People won’t be ‘replaceable’ but rather value themselves according to the equal right and opportunity to direct themselves and work in the activity that is most beneficial for themselves within the understanding of the sustainability that must exist within the system.

                   

                  • Equal profit*, Equal Share will enable people to value the activity that they do as the actual physical support and assistance that they provide at the service of each other as equals. This is the only way in which our services will be there to serve a common well being interest wherein money won’t be the goal, but a mere receiving reward for the service given that enables the system to function properly

                   

                  • We have the technology for ‘shitty’ jobs so that people’s lives are not wasted away by doing ‘menial jobs’ that we can all take care of individually as part of our inherent responsibility, as well as distributing these jobs within all of the people, so that some hours a week working on collecting garbage and/or managing public services does not become a dragging experience.

                   

                  • A lot of useless products and enslaving jobs will be transformed onto activities and professions linked to, for example restoring the environment.

                   

                  • By everyone contributing with doing the currently called ‘shitty jobs,’ we can all stop enslaving one or few people to do the whole work for ourselves, these jobs will eventually disappear as people understand how another’s freedom represents us standing up to take part of such delegated – or better said- abdicated responsibility.

                   

                  The Solution

                  Each one who contributes to the provision of a particular good or a particular service in a company should receive an equal wage – because each one is a necessary participant within the process. It’s not because one is doing physical labor while another is handling management that the one should earn more or less than the other. If you don’t have people doing the physical labor, you can’t provide the good/service – and, in the same way, if you don’t have people managing all the operations, the provision of goods and services will be impossible, or at least highly inefficient.
                  When each one receives an equal income – prices can be calculated in such a way that each participant/each worker in the company receives an equal share of the profit and that, with this income, each one is able to live a successful and fulfilling life.

                  Day 182: Will we be Feeding the Fat Cats in Equal Money Capitalism?

                   

                  Goods and Services that are a Basic Human Right cannot be put up for auction where only the highest bidders can access them. Within EMC – basic human rights will be provided to each one and will be provided by government, funded by taxes. The inefficiency of public companies is firstly often orchestrated to get the public to demand privatization, having the population play right into the hands of the elite – and, secondly, corruption plays a major role. Within EMC – privatization of basic human rights will not be permissible by law as it violates the Constitutional Principle of Equality. In terms of corruption, politics within EMC will be far more transparent than what it is now and politicians will have a much smaller role to play. You can read up on these points at www.equalmoney.org/wiki/Politics.

                  Day 176: Will the Elite Manipulate the Public to Push for Privatization in EMC?

                   

                   

                  EQUALIZING WAGES – COOPERATION AMONG CORPORATIONS
                  If a company at any time makes more money than they need to provide each one with their equal share of the profit as well as covering their costs – those monies will go into a fund that is responsible for assisting companies that are not making sufficient to cover their costs and provide each one with their fair share. That way a balancing effect takes place so that all companies are not only cooperatives in how they cooperate internally – but all cooperate with each other as well.

                  Day 175: The Economic Problem and Equal Money Capitalism

                  What about those who provide services instead of goods?
                  Q: How do people earn an income from jobs that don’t produce a product that is purchased, or will everyone need to do a job that produces something to be bought? Or does compensation also happen as paid from the government not just consumers purchasing products?
                  A: Any value that is added, whether through providing goods or services, will be compensated. So – the same principle applies to employees in companies that produce goods and employees of companies that provide services – the price of the good or the service is determined in such a way that all participants receive a fair share of the profit so that all end up with an equal income. In terms of those working for the government or providing government services – they will also receive an equal income – this is the purpose of taxation.

                   

                  Q: How do we make sure everyone is employed; will we have to create meaningless jobs like in the army – dig a hole, cover a hole?
                  A: There are many jobs that require to be done that aren’t being done at the moment – the Earth is barely taken care of. Remember that a company’s responsibility will extent further than merely the production of goods and services. Each company will have a Compassion and an Environmental Department.

                  Day 168: The Future of Integrity with Equal Money Capitalism

                   

                  Payments for Non-Products?
                  Q: How do people earn an income from jobs that don’t produce a product that is purchased, or will everyone need to do a job that produces something to be bought? or does compensation also happen as paid from the government not just consumers purchasing products?
                  A: Yes – any value that is added – whether to a product or not – will be compensated. So – for government services – you simply do your hours and receive an equal income like everyone else. Whenever you purchase a product or a service – you are always paying for the labour involved, as such there is no difference when paying for a product versus paying for a service.

                  Day 169: Equal Living within Equal Money Capitalism

                   

                  Rewards:

                  • If everyone benefits from people doing what they like to do, what they are good at and where they can develop their skills further, we will certainly all benefit from a best for all quality living standard because people will be self-motivated to contribute to a standard living that is no longer based on survival and competition to get ‘the most profit’ but instead, a communal agreement to give to each other what we would want for ourselves, which is what Best for All means.

                   

                  • No more child labor, no more prison-factories, no more misery payments, no more coercible jobs

                   

                  • Our integrity as humans and equals will be slowly but surely restored once that money cannot make us ‘more’ than other or having the power to pay others to do what should be each individual’s responsibility within the community/ society.

                   

                  • Elevating our living standard depends on everyone’s natural enjoyment and further development within any activity or skill they actually want to do/ perform and support with, which is within the understanding that what’s best for all is best for you and me.

                   

                  • Having the tranquility of a steady job will reduce stress from being able to be fired, no more non-contracts that jeopardizes our financial stability since everyone will be able to always have an available activity to earn money from with equal-profit benefit, which means: everyone wins.

                   

                  • No more slave labor, more useless products means no more tedious mechanical jobs and instead, using our means to implement innovative ways to fulfill our living necessities with alternative means/ products and activities, since money won’t be a ruling factor to decide what gets to the selves in our supermarkets.

                   

                  • Being able to contribute to basic activities that make our lives sustainable is a grounding and honorable job, it is what we all currently require to do: working on the fields producing food for a season or two and become aware of what making our lives sustainable is really about – this will bring the real and practical understanding of our interdependence with the ecosystem and each other as equal participants within this social organism.

                   

                  • Mutual appreciation for what we do for one another in a way wherein we all become aware of how much everyone’s contribution enables our lives to be functional –this will no longer be something taken for granted as we do now because of money, but because we will be equally participating, getting involved and re-establishing a sense of community that we have only sought through religion, political affiliations or sports – instead, we’ll learn how to enjoy each other once that money is not something we compete against each other for.

                   

                  • This all means a real value of who we are as the real capital as life will be lived and understood and this will se the foundation to never again seek to abuse one another for the sake of ‘having more,’ because the collective well being will override any sense of self-interest act of selfishness and sectarian benefit.

                   

                  • We will enjoy sharing our skills because sharing and working together won’t mean working with the enemy/competition but rather working together to elevate everyone’s living condition.

                   

                   

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                  For further support read the Education and Labor pages in the Equal Money Wiki

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                  290. How to End Slave Servility? Equal Money

                  We see our reality being reduced to a set of definitions like properties, goods, services that all mean money that is able to be accumulated to then, compare such wealth within a value system that will indicate either poverty or abundance of capital. Okay, but where do we get to consider the human factor within it all? There is no explicit description of uplifting the human being to a best for all quality living standard, nor do we even dare to place such benefits as a living right for all, and the truth is that we can only exist the way we do now by creating and maintaining a forced way to maintain a limited conception of what an economic system should be, as that ensures a limited  state of mind, a limited view of ourselves that will conform with any entry of money that enables us to exist and accept any way in which it is being provided. Is this what we can call a fair deal? No.

                   

                  Continuing from:

                  For context on redefining capitalism, read: Day 180: The Word ‘Capitalism’ in ‘Equal Money Capitalism Redefined

                   

                  Definition of Capitalism:

                  We’re going word by word in a very basic definition of Capitalism to redefine it, explore it and see what each word means and how we are able to re-direct every aspect of this collective agreement into a Best for All system.

                  Capitalism is an economic system that is based on private ownership of capital goods and the means of production, and the creation of goods and services for profit.[1][2] Elements central to capitalism include capital accumulation,competitive markets, and aprice system.[3]

                  source: http://en.wikipedia.org/wiki/Capitalism

                   

                  Service

                  ORIGIN
                      Old English, from Old French servise or Latin servitium ‘slavery’, from servus ‘slave’.

                   

                  The word ‘service’ has had a negative resonance to it, it’s got to do with the way that I was raised in wherein I had a person that you can call a nanny, and I got to see or realize how she didn’t precisely liked her job, maybe not all of it, because we used to have some fun – but when it came to having to do certain thing like cleaning, she would get into a particular experience or so I remember. In spanish the word for ‘maid’ is sirvienta and this is a word I grew an aversion toward because it seemed denigrating- why? It’s got the word ‘serve’ implied and that implies already a hierarchical relationship. The aversion comes from realizing the power that money has to make these girls leave their houses at a fairly young age to work as maids/nannies just because they live in poverty and, somehow I would be ‘feeling sorry’/concerned about their experience.

                   

                  I would place myself in that position of being away from home and really only wanting to make money to support you family living in penury wherein their need for work seemed like a punitive act. I would hear stories of how they would cry because they missed their families. Every time I would see myself being a ‘happy child’ around them, I could not ignore the fact that being with them meant me being ‘more’ than them, because they were being employed/paid by my parents,  I was going to school, watching TV and having my parents spoil me with their money – they didn’t have this and they are mostly subject to what people that hired them decides to give them access to in the house in terms of food, entertainment, place to sleep, etc. I have a lot of memories from my early years around my nanny and seeing how she would go to a beauty-school, had to work as ‘my nanny,’ then clean the house, do her practices and this was a rather fortunate position because my parents would treat her like a fourth daughter at times, but there was an inevitable distinction, and that was the role that she played at home, she was nonetheless an employee which means, she lived there because of money only.

                  When I went to Bavaria I saw how people say Servus in means to greet and meet and that I found it interesting, like reinstating servility/slavery to it, and in fact it does come from this – and the fact that within capitalism and its definition we don’t see the word ‘human’ or ‘work,’ or ‘living condition’ it becomes a serious topic to ratify, since we’ve done the same with the word ‘goods’ and pointed out what a trickery word it is to create an immediate positive association of the word ‘good’ and immediately place aside/ overlook the actual doing, the ‘getting there’ to that final product/good that as we all know in this world, is far from being entirely made by/through benevolent means.

                   

                  So, the word ‘services’ within the context of our capitalism definition should be redefined in order to no longer stand as servility, as a relationship of slavery that implies a hierarchical order, it must be redefined as a giving and receiving in an Equality system wherein what I do, what I contribute will be remunerated with money in order to live a dignified living, wherein everyone will have access to money through contributing to do the jobs and activities that we prefer and enjoy doing – if everyone contributes, the ‘shitty jobs’ that no one wants to do would be distributed as part of our inherent responsibility, and that’s something I am definitely looking forward to, since it is the most sane manner in which we can All contribute to Really End Slavery.

                   

                  Another example is that when people call you on the phone for example, and they ask you if you are this/that name, if the person is in fact such name, they answer su servidor/ your server indicating that it is you that’s such name and are ready to ‘serve you.’ This bothered me as well since to me there is no need to place ourselves as a rug on the floor in order for people to make business with us. And this example contains the aspect of convenience with it. How many times will the moon and the stars be spoken out – so to speak – by a certain sales clerk when you’re about to invest in a certain product, and we’re told how wonderful their service/product is and we are given sugar to our ears in such a way that we end up buying it? Many times, if not all the time. This is an outflow of competition between people providing the same services, everyone’s work will read to be ‘the best’/the most exclusive/with the most experience/having all the credentials necessary and being people’s favorite. Isn’t this tricking ourselves to buy just to make a sale of our services? Yes, and we’ve accepted this as ‘how things work.’ 

                   

                  I disliked the fact that people had to revere to you when you’re about to buy, it’s like money has this intrinsic power to bend, mold, shape and twist people around according to the amount of power you hold in your hand in the form of money.

                   

                  There is also of course services that are being sold and that should be in themselves a basic human right. Medical services are expensive ones throughout the world, yes, you may have social security but that only comes if you are already working in a stable job, and currently not all jobs offer social security as a guarantee, because it involves further contacts, responsibility and investment from the employer. Therefore, health becomes a luxury when it should be a living right, it becomes another preferential opportunity for those that have enough money to pay for private health services that are better than public ones. And the list goes ad nauseam, simply because with money being a synonym of power which invariably creates hierarchy and slavery, because the moment that money is not something that is able to be reached by all people equally, we’re faced with an invariable disparity that must be addressed every time that we seek to create a change in this world.

                   

                  We have to redefine the word ‘service’ in our basic definition of capitalism in order to restore the equality that should exist within a giving and receiving condition of relationships, this is the only way to ensure that a service is no longer stemming from a forced necessity to live, a forced activity that competes against others, that is no longer acting like an activity that people see no option to succumb to work in, just because the opportunities are ‘here.’ This can be a sex-server’s justification for entering the realm of prostitution wherein there is no way that a ‘decent job’ would provide them with the same affluence of money compared to working ‘by their own means,’ and even in this, we realize the relationships of protectionism as the pimp that must get some of it in exchange of the security and protection that women require in these contexts.

                   

                  So the whole term of ‘goods and services’ is a well made trick to imply usury, hierarchical powers, cheating, lying, submission and of course any lack of integrity at the moment, which is why we have all accepted the world ‘as is’ and learn from a very young age that one must be corrupted in this world in order to make it, which is a point that caused me a great conflict in terms of my morals o always ‘doing the right thing’ but if cheating is the way to get ahead, you have to comply to the majority or you’re left out of the game. And this is precisely what I mean by pushing each other’s envelope to further abuse and extremities to make money, we can create a service out of nowhere. Like if you would enjoy planning parties and supporting your friend to to do it, it has now become a very well paid activity, the same with childcare or tutoring,  or showing how to cook, or sharing computer skills – we’ve turned everything into a service, because there are not many options that we have to make a decent living in this system.

                   

                  Workforce is what makes the ‘service’ possible and if we create a system wherein activities will be paid as regular jobs – yet –having such activities being the basic activities that make a system functional, then, would prostitution would still be a preferred service by women? will taking care of other people’s children still be a choice to work on – could be, but for the most part all parents will have sufficient time to take care of their own children, so all nanny/maid services won’t continue to exist, unless there is a specific reason and there is someone willing to do the job for it, that should remain as a possibility.

                   

                  However, what we are removing from the equation is the Forced activities that we are pushing each other to work in within the current way capitalism works, wherein some people are Deliberately left out of the equation and pushed to be part of the service-force doing jobs like cleaning or garbage collection, or domestic work which end up being a person’s entire lifetime jobs and one should place oneself in the shoes of the garbage collector, the sewage cleaner, the toilet scrubber, the sweatshop worker, children selling candies on the street, the maids in people’s houses, factory workers: were we meant to live to do this for an entire lifetime? Is this what ‘Living’ means?

                   

                  You can agree by now that it is not – we have been serving only the money-god with no real consideration of How we are giving/granting access to money, and this is what must be aligned in order to understand what we are all collectively perpetuating if allowing our current capitalist system to continue ‘as is.’

                   

                  The fact is that as long as we are only working ‘for money’ and not because we actually care and enjoy to contribute to a particular sector of our system to sustain it, makes us all slaves equally – are we ready for a change? Of course, as ready as we’ll ever be.

                  To be continued…

                   

                   

                  For further support read the Education and Labor pages in the Equal Money Wiki

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