My Idea on Special Economic Zones
Use Special Economic Zones to promote American ideals, laws, and customs. They can improve our trade relation, foster innovation and development in other countries, and project strength in a more modern way
Rules and Goals
- 20 – 25 year lease
- No foreign ownership, but must be bought out at fair price that is confirmed with 3rd party auditors (de-facto foreign ownership)
- Low business state tax (5%) for income above $5 million, 0% for under $5 million
- Low property tax (1-2%) until lease is over and then the it is capped at 5%
- Low VAT or GST tax (2-4%) on most good excluding food, medicine, public transport, etc.
- Run by best labor and business laws
- Small minimum wage
- Have to have work contract if work for 200 hours for an employer
- Set overtime wage
- Patent Protections
- Limit Criminality only to theft and violence, civil penalties for other infractions
- Set up excluded Vice zones for gambling, prostitution, drugs, etc.
- Export homeless to outside the zone
- Low taxes fund public transportation, education, and basic city services
- Has education system that promotes free thinking and global skills
- Voting stations for the citizens who keep their original home are heavily encouraged
- Votes are counted and verified by numerous third parties to ensure fair elections
- Secured by US military
- Free travel across border to home country
- Extend infrastructure for ports and airports to receive trade goods
- Extend infrastructure to connect the major cities of a country or region with the SEZ
Establish trade routes with developing countries that ship goods to a secure port and then a supply chain to take it inside the country.
US Patrol major trade routes
- Suez Canal
- Panama Canal
- Straight of Malacca
- Straight of Hormuz
- Bab-el-Mandeb Straight
- Turkish Straights
- Chokepoints are essential for all trade and naval power
- Includes sex workers, gambling, and illicit drugs.
- Can only use their services with certain chips that you have to buy at a government kiosk
- In order to get chips you must have a valid ID and be 21 years or older
- There is a 20% tax on the chips so if you want $20 worth you have to pay $25
- Only come in denominations of $5, $20, $100, and $1,000
- You can only buy $2,000 / day most days and $20,000 / day in special cases; limit $50,000 / month
- Can get waivers for high stakes poker or other expensive services
- Only licensed establishments can redeem the chips for cash
- 10% tax for establishments to turn chips back into money
- Police, EMS, and medical clinic are on site
- Cheap STD testing that could be used to get discounts on certain services
- Also counseling on site
- Sex Workers
- Must urine test before and after work
- Blood test weekly
- The house takes a cut off the top, but cannot charge unless a worker money (i.e. no rent)
- Encourage clients to put all their possessions including clothes in a locker, clean before, and wear a robe (which they can keep)
- A menu of services is provided before hand and services are paid before
- Can have a waiting room where you can drink (beer only no liquor license) might want to charge a fee for entry (house money only)
- Condoms are strongly encouraged, but if a client shows he is clean other arrangements can be had
- Can also let researchers do anonymous surveys to get information
- Drug Dens
- All drugs are legal in a den
- Encourage clients to put all their possessions including clothes in a locker, clean before, and wear a robe (which they can keep)
- Discourage the use of needle drugs, but mandatory clean needles
- Every client BP, pulse, and other vitals must be taken before and after service
- Certain drugs whose effects and recommended doses are known can be labeled as such
- Drugs whose effects and dosage are less known are explicitly labeled as such
- Clients are informed that they are assuming most risk for their usage
- If a client has a medical problem that requires hospitalization arise on site or within 30 minutes of patronage, the den will pay a fine and for that client’s medical fees
- All medical problems must be reported, but problems that don’t require hospitalization are not punished by a fine
- If a medical problem arises after that 30 minute period the den is free and clear
- Can also let researchers, research all sorts of things
- Pretty straightforward, basically just the Vegas model
- Trade in the government chips for the casino chips
- Pay out clients with checks or electronic forms only no cash
- Have to get special permission for clients who want to spend more than 20 grand in a day or 50 grand in a month.
Proper Implementation of Green New Deal Type Investment
These ideas implement the investment that is needed in a cost-effective manner and in way that is fair to both urban and rural areas and fair for those who live in rich or poor States. It also seeks to improve educational outlooks and opportunities in new fields for every public high school in the country. Focusing on high schools also means that every community in America also gets to benefit from these infrastructural investments since every community has a high school.
Investing in All US Counties
$100 million to each country (prorated for counties with small populations maybe at least 25k people) whose (~3000 counties , $300 billion over 10 years, 30 billion a year)
- improve density in the urban core and near transit centers (e.g. stop single family zoning in the city center or near major transit stops, or have a minimum land tax to reduce speculation)
- Create infrastructure for alternative transportation (i.e. bike lanes and bike highways)
- Have the schools representative of the populous (i.e. have to be within 5% of actual city demographics).
- Improve energy profile either through efficiency standards (buildings, cars, etc.) and/or by getting more of your electricity from clean sources
- Encourage sustainable farming
- Regenerative agriculture, and/or
- Integration of energy tech alongside farming
Have State representatives who coordinate if the counties are implementing policies towards the right goals . Can only give a max of $25 million in a year so it takes at least 4 years to get the max and the program only runs for 10.
All US Public Secondary School Investment
$10 million to all public secondary schools to the following things (~24,000 secondary schools, $240 billion over 10 years, $24 billion a year)
- Create a microgrid to power their school and maybe some of the surrounding area powered by renewables: solar, wind, geothermal, etc.
- Have some form of water recycling or rainwater harvesting that can be used for irrigation or actual potable uses.
- Have some type of urban food garden or simply a garden.
- Create a 4G LTE tower in order to broadcast internet to the school and surrounding area
Manufacturing and Tech:
- Invest in some form of additive manufacturing (i.e. 3D printing) and have computer kits for learning to code and have projects (i.e. Raspberry Pi)
- Create bike roads that connect the high school to the surrounding area.
Secondary school is a broad term, but the main focus is on high school. For schools with low populace can incorporate their feeder schools (elementary and middle school) in the same funding. Want high schools so that you teach these skills of the future and improve infrastructural development in all communities. Same system with a state rep that sees the progress of the high schools and can only give a max of $2.5 million a year.
The elimination of single-family zoning in important city areas
Revitalize sprawled cities, or historical city downtown with a certain number of houses and a certain number of large employers. E.g. San Antonio, put 20 skyscrapers 500 units down town (10,000 units) and 50,000 units of houses or apartments within 2 miles of down town. For a total of 120-180k people. Have large employers have around 30,000 jobs downtown serving about half the households. Loosen up zoning laws to allow other employers to make up the rest. Maybe restrict businesses in houses to M-F 9-5 only.
Build strong neighborhood communities. Build 10,000 units houses or apartments (about 40,000 people in neighborhoods) Have a large grocery/general store (HEB) with a bank and a few other shops for clothes and other stuff. Have an urgent care and a clinic. Decent sized office building, home depot like store for home stuff, top of the line primary and secondary schools, a community college, a large park with a library and community center in the middle. Have electric buses that run grid wise and give access to all of these major features. The office building, high school and community college are the ‘large employers’ and should employ about 4,000 (40%) households. For the rest of the people commuting there should be direct routes to downtown and any other major employment area nearby.
AISD employs about 10,000 people for 80,000 students. If we use a 1:20 teacher to student ration and a 1:10 employee to student ratio. Assuming 2 kids per household. That’s 20,000 kids, 1,000 teachers, 1,000 support staff. So just the schools should give about half the workers. Add another 100 in government jobs for librarians, parks, bus drivers, utilities, police, fireman, etc.. The urgent care should employ about 200 and the clinic should employ another 200. Another 500 for the community college. So the grocery/general store, bank, home depot, office, restaurants, other shops and businesses should come up with the remaining 1,000 jobs or more. The rest of the people can commute or run ancillary businesses.
Post Office for Last Mile Support
- To help small businesses compete with Amazon 1-day shipping and free shipping for other companies. Can have the post office do some of the logistic things that Amazon does.
- Business deliver their packages to a local post office who then delivers to your customers closest post office this should be really cheap. The customer can pick it up at the post office or have the post office drop it off with their normal everyday deliveries for a small fee. The business could also have the post office pick up packages with their everyday delivery for a small fee.
College and Trades
Trade Training in High School
- Allow high school kids to have “internships” with the trades at a pay of $50 a week. After the semester and an easy they get an apprentice certification in whatever trade they interned in. the apprenticeship should give them the basic skills of the job and ease them into further training in community college or elsewhere. The trades would include: plumbing, electrician, welding, house remolding, house construction, hospitality housekeeping, food prep and service, retail service and management, basic nursing, wood work, mechanic, etc.
- The high school would partner with the local trades to set these up and the state in combination with the industry would pay for the student. It allows students to spend a semester getting experience and seeing what they like as well as getting skills like basic accounting, scheduling, knowing what types of tools people use, etc.
College in Exchange for Community Service / Tax Endowments
- If a student has 1000 hours of community service over the last five years the government will give the student the average cost of tuition and fees of one year for public university in America to attend any higher education trade school, university, community college etc. The balance is applied after all other aid and is refunded to the student. If the student works an additional 500 hours they get funded for another year.
- This also applies to graduates or students who have federal student loans. Except the average cost is multiplied by 1 + their interest rate.
- This is also accompanied by an increase in funding to federal community service as well as the infrastructure to track legitimate hours.
- $15k – 19k Income: Housing – 29.2%, Utilities – 11.1%, Grocery – 10.2%, Restaurants – 4.7%, Transportation – 20.4%, Healthcare – 8.2%
- EITC credit that matches your income 1 for 1 up to ~$3,000.
- So, if you earn $3,000 you get the full $3,000 EITC. You earn $2,000 you get $2,000.
- Food Stamps that give up to $125/ month ($1500 / year) for adults and $150/ month ($1800 / year) for kids .
- Kids food stamps could be applied to approved school lunch programs at a discount
- It follows the same EITC eligibility guidelines. I.e. if you qualify for the full EITC full food stamps, 50% of EITC then 50% of food stamps.
- EITC and Food Stamps phase out at 20 cents for every dollar you make over 200% of the poverty line ~$25,000. This would phase out completely around $40,000.
- Married couples get matched 1 to 1 up to $6,000 regardless the source of the income, but the phase out rate isn’t 200% of the married poverty line, but rather 2 times the single person poverty line which is ~$50,000. This avoids the marriage penalty.
- Child Credit $3500 for each kid under 5 and $3,000 for kids 5-16, maximum of 3 kids at any time.
- No minimum earnings or work requirements for the child credit.
- Phase out at 10 cents for every dollar over median household income (~$59,000). This would phase out completely for 1 kid around $90,000, 2 kids $120,000, and 3 kids $150,000.
- If necessary, to pass make it so there are no minimums or work requirements for kids under 5. But for all other children same requirements as the EITC.
- Postal banking allows you to take out a no interest loan against your expected tax credits and refunds anytime throughout the year. This prevents cash flow problems where you have to wait until the end of the year.
- The idea is that the benefits plus the working ensure a household with two or more wage earners is nearly out of poverty and that any household with two wage earners and kids is completely out of poverty.
- Example a two-person household who each earn $3,000. So, they bring in $6,000, get the $6,000 EITC, and $3,000 combined in food stamps. That gives them a yearly income of $15,000 poverty line for household of 2 is $16,910 only about $2,000 off.
- The same two wage earners, but this time with a 4-year-old kid. They would bring in $6,000 via wages, $6,000 via EITC, but $4,800 via food stamps and an additional $3,500 via the child credit. For a total of $20,300 which is just above the poverty level for 2 adults and one child $20,212 in 2018.
- However, a single mother with 1 kid under 5 who earned $3,000 would get, $3,000 from the EITC $3,300 from food stamps and $3,500 from the child credit. Giving them $12,800 which is almost $5,000 lower than the poverty line for one adult one child.
- While single mothers and single person households would continue to struggle well below the poverty line any multi-person earning household should be nearly out of poverty for much cheaper than the anti-poverty programs now. Each person if they can earn $250 a month will get $4,500/ year from the government and thus bring in at least $7,500 in a year. Combining these benefits with another person or people or even organizations will ensure everyone anywhere is above the poverty line.
- What about different places having different costs of living? This is where the state’s should step in or the people receiving the benefits should simply move. The government shouldn’t try to support people in high cost stats beyond food and a few extra bucks. Trying to subsidize housing, transportation, utilities which vary wildly is an unreasonable goal. However, encourage beneficiaries to realize their benefits could go further in previously dying towns could revitalize older towns.
- What about non-traditional work? For those who can only do things like cash jobs that’s fine as long as they declare their income on their taxes. Community service should also be allowed to give a stipend matching the EITC credit for workers who work 1000 hours prorated accordingly.
- Number of workers ~117MM
- Median wage ~$900/week
- According to this distribution of how much workers earn:
- 13% less than $5k
- 8+7.2+6.8+6.7 = 28.7% of workers $5-25k
- 4% $25-30k
- 1% $30-35k
- 5% $35-40k
- 9+4.4+3.8+3.3 = 16.4% of workers $40-60k
- 8% $60-65k
- 4% $65-70k
- 1% $70-75k
- 8% $75-80k
- 125 MM households
- 11% households >$150k
- 3% $75-100k
- *assume 10% between $80-100k
- 1% $100-150k
- *assume 7% between $100-150k
- Less than $50k 11.2+9.6+9.4+12.9 = 43.1%
- Between $50k-75k 17%
- *Assume 8.5% make $50-60k.
- 6MM families 1 child
- 7 MM families 2 children
- 1MM families 3 or more children
Banking and Loans
- A big problem with a lot of America is the lack of credit options when you need them. Banks no longer serve large portions of the population. One fix is a postal bank, another is to simply create products that the poor need and force banks to offer them to anyone who applies.
- A checking account with interests rate at the fed interest rate (aka the interest rate the FED gives banks) complete with all the features the bank would give a normal account; mobile check cashing, debit card, use of ATM, notary, etc. However, this checking account could be limited in amount, but no reason to have that.
- Access to small personal loans, the bank would have a loan they offer at either double the fed rate or 5% whichever is higher, with payback terms of 1 to 18 months, that they could give to anyone no questions asked who met these minimum requirements: 1) filed their taxes, 2) don’t have any other outstanding small loans, 3) their anticipated income (including refund checks) at least doubles the interest they have on loans that show in their credit report. The largest amount for these loans would be somewhere around $500.
- There would also be other personal loans up to and secured by a person’s tax refund with the same terms.
- The checking account would be secured by FDIC and the loans would be secured by the government as well.
- Furthermore, business match loans up to $50,000 would need to be available. Anyone with at least 3 years’ experience in the area they want to do business or a like field (this is up to the discretion of the bank) could have any investments they have matched at a favorable loan rate at the governments choosing.
- Also, there would be protection of consumers from bank negligence. All homesteads are protected up to the average cost of a home in case of foreclosure and all loans that are delinquent the down payment is returned to the owner (this would be helpful for repossessed cars).
- The home protection would work like this say the average cost of a home is $250,000, and you bought a home for $300,000 no money down. You were in foreclosure, the government would offer to buy the loan from the bank for the actual market home value (provides protection against underwater properties and gives banks properties in cases where home value actually went up), refinance $250,000 of the loan with you in favorable terms if you worked out a deal to pay the other $50,000 in principal to the bank. This type of protection could be extended to other types of debt as well if successful.
- Also, retirement accounts (401k 403c, IRA, etc. ) would be insured for every year you put in money multiplied by the IRA max limit. Your investments would at some point have had to hit that mark of course. So for example say the IRA limit is $5000 and you put in for 40 years. You are insured up to $200,000 if at any point your account reached that level or your total contributions equaled that.
- There would also be laws that allowed banks to fail without collapsing the whole system. After protecting consumers by purchasing failing assets at market values, the government would also temporarily purchase other failing assets at initial cost or a decent discount (if the asset is now worthless). That should fix most insolvency issues and if it didn’t those banks should fail. The purchased assets would then be either be stewarded back to health or sold off to recoup costs. However, above all, consumer debt for credit cards, mortgages, cars, and any other item would be bought and renegotiated at favorable rates for the consumer to keep them on their feet.
- The banks should also split up their profitable and unprofitable socially important assets (mortgage, car loans, student loans, etc.) and their profitable and unprofitable investment assets and securities. The government would have saved or bought the unprofitable socially important assets, so the social important part of the bank should be solvent. The government would also look into buying some unprofitable investment assets, but at a discount. If the investment side of the bank is saved by the government intervention then the whole bank is allowed to run business as usual otherwise, the bank would be forced to sell its investment side to the government who would then sell of assets to the highest bidder. The bank would exist and be allowed to restart its investment side, but would be at a huge disadvantage as it would only start with only its socially important asset side.
- In 2008, this would have looked like the government buying up all the mortgage derivatives and their insurance at a discount and then fixing the mortgage default crisis from the consumer end. Some mortgages would have ended up failing still if the house wasn’t a homestead or was outside the insurued range. However, the most mortgages and their derivatives would have been saved. Investment banks and big banks with investment sides who still weren’t solvent after their most disastrous assets were removed would have failed, but a large number of banks as was the case in real life would have recovered. The derivatives would be more valuable after the mortgage crisis was fixed so the government could have sold back those derivatives eventually maybe even at a profit.
Medical Care and Social Security
- A public option makes more sense because you can reduce the taxpayers cost of healthcare while still providing coverage for 98% of medical problems. A fully universal Medicare for All that abolishes health insurance might provide cheaper care, but it would increase expense for most Americans most of the time. The most expensive procedures would have to be provided somehow which would raise costs. Furthermore, the political will to create costs caps or to share costs would be non-existent. Keeping other options allows the public option to focus on a cost effective plan without worrying about being required to cover the most experimental and/or expensive prodcedures.
- Creating an insurance plan that has the 10 minimum requirements of Obama and other benefits that make it only $4000 per child under 18, $6,000 for everyone above 18, and a $6,000 extra subsidy for those over 65 and the disabled (aka a $12,000 insurance policy). These should be similar to the ObamaCare gold plans and the actuary team adjusts them to keep them under the cost cap each year.
- It could provide so many primary care visits including certain diagnostic tests for free, set urgent care prices, and give a 20% coinsurance rate for everything else. For kids the coinsurance rate can be lower like 5% for the subsidized and free for those under 138% of the poverty line, so that parents don’t skip on a kids medical bills because of costs. The $6,000 extra subsidy for the elderly and disabled should easily cover their increased medical costs, but should still have limits on extremely expensive procedures to ensure it stays under costs.
- The premium for the base plan shouldn’t exceed more than 10% of a person’s or household’s income and subsidies insure that it doesn’t. In fact you could simply copy the Obamacare subsidies. The extra $6,000 subsidy for the elderly would be provided via payroll taxes as it is now, but the base subsidy is still subject to the 10% rule. The $6,000 for the elderly and disabled and the subsidy so that no more than 10% of a person’s income goes to health insurance would be far less than both Medicare and Medicaid combined and guarantee an affordable option for everyone to get health insurance.
- However, if people still wanted their employer insurance or another type of insurance on the open market because of better benefits or it better suited them that would be fine too. Although the public option would only apply to the public option the employer deduction could be kept the same to avoid shaking things up too much, but its tax benefits are reduced due to the lower corporate rate. Furthermore, private insurance and the public insurance both should negotiate rates together at the state level so that the only difference in insurance isn’t the cost of treatment, but how the insurance company handled the risk.
- A public option will probably be the best policy for the majority of Americans, but for those with more intensive needs, less intensive needs, or simply those who like to have more benefits private insurance would still be there to address this market need allowing the public option to be affordable and still cover the majority of health problems.
- Guarantee the poverty line for all retirees who put in the appropriate amount of credits. Prorate it accordingly for those who retire earlier than 65 or who didn’t put in the full 35 years and have the minimum be about half the benefit. Lower amounts for the disabled and survivor benefits.
- Also of note: the government should make each department provided a pamphlet saying what people’s expected benefits are and politicians should make plans that compare that to their given programs.
- About 20% of the population gets social security benefits meaning the hopefully the other 80% is supporting them in some way.
- Fix the tax rate at an amount that should meet the minimum needs. If it doesn’t come up with enough the government pays the rest, if it is over it splits 50% of the extra revenue is returned to the working population who paid it via tax credits (refundable or not is up for debate) and the benefit earners in the form of a bonus prorated by number of years contributed. This is a way of saying that the older population has helped usher in a prosperous younger one that pays can support the older population with a better than 3:1 ratio.
- Remove the current cap, but the rate should be lowered substantially.
- That way social security is tied to the success of the younger generation without crippling them and still keeps seniors out of poverty. The optimal ratio should be around 3:1 working people to retirees and the disabled and the payroll tax should reflect that. In general, instead of raising the tax rate to keep this 3:1 ratio the upper income limit should be raised to meet the quotas. If every working person pays about $2500 with another $2500 coming from the employer that’s about $15,000 to each benefit earner. More than enough which should guarantee some refunds and extra benefits.
- For those who already receiving benefits you leave their checks alone. For those who aren’t yet receiving benefits they have a choice. You calculate what their benefits are right now and if it is more than the new benefit, they can receive their full benefits if they wait until 68. ¾ of their additional benefit at 67, ½ of it at 66, and just the new benefit at 65 or younger.
- The payroll tax would be lowered to pay the new benefit rate and the excess payments would be paid by selling the trust fund treasuries. In 10-20 years, the benefits will be paid solely with the lower payroll tax, the treasury trust fund will be gone removing $3 trillion from the US debt, and every senior will be guaranteed to be out of poverty.
- About 6 million people get the checks from their dead spouses or fathers.
- Another 14 million get checks for disability and these benefits pay out more than food stamps and welfare combined
- Excellent article for reforming the disability insurance problem. The most important for me are fixing eligibility and establishing a flat benefit. I agree with almost all the suggestions.
Social Infrastructure in the Neighborhood Unit Reduces Expenses
- The social infrastructure in the neighborhood unit should support its residents so they spend less money on things and thus can survive better off less income:
- Schools double as parks
- Urban gardens give access to fresh cheap food, eliminating food desserts.
- Distributed water and energy technologies lower the cost of energy and water
- Good bike and pedestrian paths allow for less car use reducing the need for multiple cars
- Good public transportation system that connects to job centers further reduces the need for transportation
- Good community center with after school programs reduces need for parents to pick up kids and good bike and walking paths allow kids to go home safely on their own. Also child care services that are offered informally throughout the neighborhood.
- Local community center hosts local clinic allowing parents to get cheap medical essentials such as vaccines, flu shots, and check-ups
- Local community center hosts bi-weekly markets allowing residents to buy and sell amongst themselves.
- Access to school facilities during off hours to the local community gives more green space and maybe even access to 3D printers to the neighborhood.
- Local community center keeps track of who needs a roommate for housing, ridesharing for people who work in the same area, when farmers markets come to town, how to use government aid, and childcare services.
- Shopping center with grocery store also has food hall and other
Neighborhood as the Unit for building sustainable communities
- Has a various essential public service: library, park, high school, middle school, elementary, police, fire.
- Various private services: grocer, retail, coffee shop, bar, other services
- Able to be traveled by bike and walking. Narrow streets with wide sidewalks. Arterial streets on the outside with maybe one major street in the middle.
- Connections to adjacent neighborhoods via car, bike and walking.
- Connections to downtown and perhaps 2 other major city centers (e.g. the Domain, Zilker) either directly or via an adjacent neighborhood.
- Make a community development 4 or more neighborhood.
- How Dense Should it Be
- Somewhere around 20,000 people per square mile (640 acres) for home heavy neighborhoods. Higher for apartment heavy ones. Want to increase household size, but assume 2.5 household size. About 35% of households have children. Want 40% of households to be children accommodating.
- Typical sizes
- single family houses 5 units per acre: 8000 units; 1600 acres
- duplexes or houses with small lots (.1 acre, 4356 sq ft) 10 units per acre; 800 acres
- townhomes 20 units per acre (.05 acre, 2178 sq. ft); 400 acres
- 3 Story apartment 25 units per acre; 320 acres
- Multistory apartments 50-100 units per acre; 80-160 acres.
- 30% of people are in multistory apartments assume 50 units per acre due to large number of single bedrooms (aka assume household size is only 2). Need 3,000 units at 50 units an acre that’s 60 acres.
- 40% of people in townhomes assume they have normal density of 2.5. 3200 units at 20 units an acre 160 acres.
- 20% dense homes or duplexes, density of 3, need 1334 units at 10 units an acre 134 acres.
- 10% single family homes density of 3, need 667 units at 5 units an acre 133 acres.
- 427 acres for only housing (67%) , 20% for parks, green spaces, and other civic uses [schools, libraries, etc] (128 acres), 60 acres for mixed use (aka apartments and retail), 25 acres for other uses like standalone retail and employment.
- Another way is to set aside 400 acres in 0.05 acre lots for a total of 8000 lots (a little more than 2000 sq ft. in 36’x60’ lots) and allow people to buy up to 3 lots in order to build whatever type of home they want: townhome, house, duplex, etc.
- Then set aside 60 acres for apartment complexes. Each complex must buy at least 20 lots (1 acre) and have at least 50 units. Can later loosen this to 5 lots (.25 acres), but still at least 2.5 units per lot. And mix these apartments with the home lots to build a retail base and to share the apartment amenities (pool, gym, etc.) with the homeowners/renters. 1200 lots for apartments.
- Have blocks be 360’x300’ and inner streets only 20’ wide. That gives 4 rows of lots and 3 streets (60*4 + 20*3 = 300) and 10 houses in a row. 40 lots per block. 9200 lots (1200 for apartments and 8000 for houses) means 230 blocks. And apartments with retail can be put near major streets and with 50-60 apartments about 20% of the blocks have an apartment.
- Be sure to have enough space for businesses especially bars and nightclubs away from the residential areas.
- 20% is already set aside for parks, schools, streets, and other civil areas.
- 3000 units of apartments, 3200 townhomes, 1334 houses or duplexes on about 4000 sq ft lots, 667 houses on 8500 sq ft lots.
- Also, the land for houses can easily be reduced by reducing the lot sizes of single family homes and/or dense homes and duplexes.
- 8% of pop under 5
- 9% of pop 5-17
- 8% of pop 18-65
- 6% of pop 18-24
- 2% of pop 25 to 44
- 22% of pop 45 to 64
- 4% of pop over 65
Claw Back from the corporations and the top 10% (Upper Middle and Upper Class Suburbia)
- Give schools money by pupil from national government no corrections for size or anything else
- Toll all US and Interstate highways the cost of maintenance per mile.
- Give subsidies to those at or less than the median income
- Exceptions for high occupancy vehicles
- Exemptions for vehicles bring goods to market
- Basically the top 50% subsidize the rest of the country
- Leave gas tax alone, basically a DeFacto carbon tax and slush fund for transportation
- Give money to cities with over 100,000 to raise interstates above residential areas or to put them underground.
- As demand shrinks the highways should also shrink
- Sell off the feeder roads to the local municipalities
- Reduce the mortgage interest deduction to max out at the interest of the median house on a 30-year loan at the fed rate plus 1.
- Have a house buyback program / foreclosure saving program
- Buy any house at 65% of the median house market price
- Sell any useful materials off
- Bulldoze any house over 20 years old
- Make a 10 year forecast sell land back to city at predicted high point
- Any primary homestead in foreclosure has protection
- Buy the loan from the bank at the original loan amount minus any payments
- Buy the house for 65% of median house market price or 50% of house value whichever is higher
- Refinance the remaining amount of the loan to the fed rate + 1 or 2% of 15 years
- Allow the family to stay in the house as long as they make the payments.
- At the end of the 30-year term allow the family to buy the house for the money the federal government purchase from them
- Buy any house at 65% of the median house market price
Capital Gains, Inheritance, Gift, and Estate Taxes
- No income source should be treated specially. All income should be subject to the same income rates. Furthermore, income not subject to payroll tax should still be subject to the Medicare and Disability payroll taxes. Capital gains should just be treated as income on the personal income.
- The argument for treating capital gains different is because you already paid the income tax and investing in other ventures helps the US economy as should be rewarded. However, this basically treats people who get most of their income through capital gains as better than anyone else and enshrines this into law. First off the beneficial effect of capital on the economy is dubious and best and second of all even if it is true it is inherently bad policy to advantage type of worker over another.
- For inheritances and gifts, currently the estate tax is supposed to claw back the benefits from the rich, but it is constantly weakened. It is deemed unfair and as double taxation, but actually its just inefficinent a reaction to tax loopholes. T However, one setting all cash flow as income such as a $50,000 gift from your parents in life or death fixes that problem simply by taxing it as income.
- However, assets are generally where the problem lies. If your parents’ gift you stock at death the stepped up basis kicks in and all the capital gains it accrued in your parents life are ignored and you start over at the value at the time of the gift.
- This can easily be fixed for any asset by realizing that a gift is basically selling that asset to the gift giver at $0 (aka setting the cost basis at $0) and ignoring the losses (aka forgoing the tax deduction for capital losses). Then once the gifted sells the asset they pay taxes on the full sell price of the asset (the difference between the sell price and the cost basis of $0) and not just the capital gains from its value when gifted. It sets a penalty for receiving assets via gifts in a fair way without the need for an extra tax.
- Furthermore, liabilities with an asset should be transferred to the recipient as well. They have a choice take the asset and the liabilities or let the creditor simply take the asset and forgive the debt. This prevents saddling the debt of the deceased on his survivors, but also allowing them to choose to take it on if the asset is worth it.
- Corporate Taxes are a different animal from income taxes. A corporation makes its own charter for a specific purpose and is given special privileges. While special privileges for certain types of income should be forbidden in the personal tax code they make perfect sense in the corporate tax code. If all personal income is the same, then corporate tax rates can be extremely low because their profits are captured on the individual end. However, in exchange for these special privileges corporations are to give benefits to the public that allows for their existence.
- If you are an American corporation you have certain responsibilities to America. And if you simply want to recharter in another country than you lose your access to do business in America. Taxing capital gains as regular income removes some of the executives incentives for stock buybacks, but formally removing them by making them hold onto stock for 3 years after they retire is another. Having workers elect a large portion of the board is another. And forcing companies to take in consideration the stakeholders is another. Elizabeth Warren plan for accountable capitalism corporations does these things. In exchange, the corporate tax rate can be reduced even further, but the all personal income must be treated the same.
Future: Build Tenements and Small Scale Manufacturing on a Ranch
- Buy old houses with at least 3 bed 2 baths. Preferably 4 bed 2 bath.
- Build a ADU in the back that is 5 bed 2-3 bath.
- Can also buy old hotels/apartments strip the rooms, make communal livings spaces, and shrink the parking lot to give green space. Basically like a hostel.
- Houses with ADUs targeted towards single parents, old hotels/apartments for adults
- Sell 6 parking spaces, where you have to park behind another car
- Sell each room for $300, $400, $500 depending on area and taxes
- Kids 2-12 sell bed for $100 or $150 or $200
- Kids 13+ sell bed for $150 or $225 or $300
- Kids 2 and under stay in their mother’s room for free
- Break up housing by type of adult
- Single mom with kids under school age
- Single mom with kids middle school or less
- Single mom with some teenagers
- Single Adults in their 20s ish, middle age, and pre senior 50-65
- Baby Toddler Kid House
- Old House 3 mom rooms
- Old house1 baby room with 6 beds for all kids unisex
- New House 4 mom rooms
- 1 baby room for 6 kids unisex
- School Age kids House
- The old house has a room with 4 beds for boys 2-12
- 3 rooms for the moms
- The new house has a room with 4 beds for girls 2-12
- 4 rooms for moms
- 7 moms up to 8 kids
- Teenage kids House
- 4 moms in old house
- Room for boy teenagers and room for girl teenagers 2 beds per room
- Room for boy kids 2-12 and girls kids 2-12
- One mom stays downstairs in this house
- Single Adult House
- 4 rooms old house
- 5 rooms new house
- No kids except your own in adult rooms
- In only single adults places no kids in room areas
- No cooking except in kitchen area
- No overnight guests
- No house furniture in your private room
- Adult rooms have a frame, a queen bed, a night stand with a purchasable shelf, closet with builit in shelves, and lighting built into the switches
- Kids rooms have shared beds and a shared desk except for teenagers who each get their own desk, like a college dorm
- Common areas are monitored (kitchen, living room, outside front and backyard)
- Old kitchen is probably smaller, but update the microwave and stove and have coffeemaker, all other appliances have to be stored when not in use
- Living room has TV and couch, TV sits on shelf so group can put books or consoles on TV, comes with YouTube TV and apps
- Dining Room in both houses has a table with 6-8 chairs
- Free energy up to a certain kWh and free water up to certain Gal and free high speed internet
- Two washing machines and two dryers in garage of new house supplied with rainwater
- Solar panels and RWH on both roofs.
- Outside houses supplied by RWH on old roof
- Each house has tablet that schedules use of things like TV, washing machine, dishwasher. It also lets you pay your rent, schedule services etc.
- House comes with a folding table and 10 folding chairs as well.
- Cleaning Lady 2x a month, and Maintenance man 4x a year
- Houses are close to good schools and public transportation
- Price is based on location, aka property taxes not demand
- Business and Social Case
- Make $2700-$5100 a month >> $32,400 – $60,000 a year per property
- Increases density with existing housing stock and land
- Low capital costs
- Quick payback period
- Targets a need for single adults and parents who need cheap housing not available on the market except at extended stays.
- Gives stability and a sense of community
- Allows your children to be watched at all times, it takes a village
- Make a roll cage framed car.
- Plexiglass bottom.
- Electric Motor in each wheel.
- Two central microcontrollers in series (one microcontroller isn’t networked and the other one only kicks in if the other is disabled but is networked allowing remote control control power to each wheel.
- Axels and turning apartaus optional.
- Roller coaster seat belt. Two bucket seats in front. Foldable movable bench in back for passangers or storage.
- Wheels have extremely good suspension and electric brakes
- Cable emergency brake everything else is electronic
- Cord to attach any view device otherwise very basic
- Can add lights and speakers to frame to make it road legal
- Can also add doors and additional walls and paneling
- Comes in axel version, motor in wheel only version, and waterproof version
- Waterproof version seals all non-waterproof components and the car can drive on a lakebed if it is weighed down enough
- Have 8 – 10 kW battery slots, but only needs one to run. Batteries are removable and swappable. Car only sells with 1 – 10 kW battery can buy extra as needed.
- Marketable for people who need a cheap EV car for most of their errands, young people, adventures for all of its off-road capabilities etc.
- Able to be driven on highway if you add plexiglass windshield
- Flying Car extension
- Have the ability to add 8 motored propellers to the car
- Can either leave the wheels and suspension on or take them off to allow for more speed or cargo
- Simply attaches 4 semi circles to each side of the car where each semi circle has two properlers with a motor for each one.
- Add a power controller next to the steering wheel for power (height) control
- A flight mode tells the microcontroller how to much power to give to each motor and if possible redirects power from the wheel motors to the propellers
- Make basic electronic chips and cases
- Make motherboard that can fit numerous chips, RAM, and sensors (e.g. GPS, camera, IR, gyros, etc.)
- Have the motherboard be able to fit in a shell (possibly water resistant)
- The shell is either aluminum or plastic and you can easily take it apart.
- Battery is removable.
- Idea is to have a modular electronic device (laptop, phone, or tablet) that is easy to fix and customize
- Recycle the silica from glass to make motherboard, chips, screen, and recycle metal and batteries for the rest
- Make own CPUs and RAM and sensors but able to install any.
- Run stripped down version of either Linux or Android (open source softwares)
- Basic framed bikes and motorbikes
- Similar concept to car but for bikes.
- Basic frame with electronic brakes and power.
- Cable emergency braking for motorcycle, all cable braking for bike
- Two motors maybe not in each wheel but driven by carbon belt.
- Motorcycle has version with 2 front wheels for dirt biking and regular version
- Motorcycle has the same 10 KW battery as car
- Bike has room for 2-4 0.5 kW batteries
- They have a small energy using GPS and alarm system for tracking even when battery is removed. It recharges while a battery is attached.
- Charging Stations
and motorcycle battery charging stations have 20 kW solar stations with up to
50 – 10 kW batteries.
- Charge them at leisure
- Swap them when customers arrive using automated system or a person
- Sell demand services to grid as available
- The car and bike batteries will hopefully be universal so more than just my car or bikes use them.
and scooter battery charging stations have a 5 kW solar system that also serves
as a cover for the docked bikes and scooters.
- Has up to 50 spots for 0.5 kW batteries.
- Also has 10 charging ports for phones and tablets. You can pay via an app and the cord also provides internet while you wait for your phone to fast charge (up to an hour)
- Use batteries to power the info system that tells how many batteries and bikes are available and the internet.
- System is connected via a wired connection
- Car and motorcycle battery charging stations have 20 kW solar stations with up to 50 – 10 kW batteries.