Plato put housing second only to a secure food supply in the order of business of an emerging polis [Republic 2.369d); we argue, without quibbling over rank, that adequate housing ought to have fundamental priority, with health and education, in civil societies' planning, budgets, and legislative agendas. Something made explicit in the Platonic Laws, and often reiterated by today's poor — but as often forgotten by bureaucrats— is that human wellbeing, eudaimonia, is impossible for the homeless. That is, (...) adequate housing is valuable to human societies independently of its instrumental role in supporting the safety, health, and education of the populace. Currently, governments all too frequently end up undermining their own health and education programs as a direct result of neglecting the housing needs of the poor. Finally, we argue that governments ought now to be using the low-cost ways that already exist to provide, or to promote the provision of, better housing for their increasingly urbanized populations; further, even in those circumstances where it is necessary to subsidize housing, governments' most important role is to develop just regulatory and enforcement systems within which public- and private-sector investment can operate. (shrink)

This study examines the Egyptian House of Zakat and Charities as an example for Al- Azhar's public role after June 30, 2013. It raises questions regarding Al-Azhar's role in state-society relations, as well as the social, political, and economic implications of the institution's work. The study is based on the concept of the "common sphere," a theoretical model that assumes Al- Azhar's ideal position is to contribute to strengthening cooperative relations between society and the state in a way that reflects (...) the interests of both parties and not to reflect the dominance of one over the other and support it in a way that strengthens conflictual relations. The conclusion of the study is that the policies of the Zakat House assist the state in implementing its austerity economic policies and make up for the lack of public expenditure on service sectors by utilizing donor funds. Thus, the Zakat House contributes to enhancing Al-Azhar's standing in its relations with the state and society. It also aids economically impoverished segments of the population. Nevertheless, compared to the state and Al-Azhar, society at large continues to garner less benefit from the Zakat House's activities. -/- تناقش هذه الدراسة مؤسسة بيت الزكاة والصدقات المصري، باعتباره نموذجًا للحضور الأزهري في المجال العام في مرحلة ما بعد 30 حزيران/ يونيو 2013. وتتساءل عن الأبعاد الاجتماعية والسياسية والاقتصادية لنشاط المؤسسة، وآثار هذه الأنشطة في علاقات الدولة والمجتمع وفي موقع مؤسسة الأزهر من هذه العلاقات. وتعتمد الدراسة في تحليلها على مفهوم "المجال المشترك"، وهو نموذج نظري يفترض أن الوضع المثالي للأزهر وممارساته في المجال العام هو أن يُسهم في تعزيز العلاقات التعاونية بين المجتمع والدولة بما يعكس مصالح الطرفين، لا أن تعكس الهيمنة والسيطرة لأحدهما على الآخر وتدعمها بما يعزز العلاقات الصراعية بين الدولة والمجتمع. وتخلص الدراسة إلى أن سياسات بيت الزكاة تدعم الدولة جزئيًا في تمرير سياساتها الاقتصادية التقشفية وتُعوض قلة الإنفاق العام على القطاعات الخدمية، وذلك باستخدام أموال المتبرعين. يُسهم البيت في تعزيز قوة الأزهر في علاقاته بكل من الدولة والمجتمع. وتستفيد فئات فقيرة من المساعدات والإعانات التي يقدمها البيت. لكن يظل المجتمع أقل الأطراف استفادة من نشاط المؤسسة مقارنة بكل من الدولة والأزهر. (shrink)

Enclosed is a guidebook for philanthropists, advocates, and policymakers who want to do the most good possible. This book introduces the philosophy of “longtermism,” the idea that it is particularly important that we act now to safeguard future generations. -/- The future is vast in scale: depending on our choices in the coming centuries, the future could stretch for eons or it could dwindle into oblivion, and be inordinately good or inordinately bad. And yet future generations are utterly disenfranchised in (...) the world today: they cannot participate in our markets, our movements, or our civil society. This presents 21st Century philanthropists with a historically unprecedented opportunity to do good by protecting the long-term future. -/- The essays within are from the pioneers who have developed the intellectual foundations of longtermism, as well as the experts and advocates who are now putting it into practice. Readers will hear the case for longtermism from professors at the University of Oxford and Longview’s own founders; longtermist policy proposals from political philosophers, members of the House of Lords, and the All-party Parliamentary Group for Future Generations; the case for work on biosecurity, artificial intelligence, and climate change from leading experts; and the first ever essay on longtermist cultural change from the former Chief of Cabinet to the Finnish President. -/- Together, these essays chart the path forward toward maximising the good that we do for our grandchildren, our grandchildren’s grandchildren, and every generation beyond. (shrink)

This thesis under the title “Public Health Policy in Resource Allocation: the Role of Ubuntu Ethics in Redressing Resource Disparity between Public and Private Healthcare in South Africa” explores health care disparities pertaining to resource allocation between public and private sector. It is of relevance and importance in South Africa where 54% of the population live on less than US$3 per day. Although the government has instituted certain changes aimed at transforming the public health care system, the resource allocation (...) gap between the two persists and remains wide. The research gives special attention to the role that Ubuntu ethics can play in redressing the resource allocation disparities between public and private health care sectors in South Africa, pointing out the existing gap in financing, as well as human resource between public and private health care sectors, which leads to poor health outcomes in public sector. Therefore, the problem is the prevalent inequality of resource allocation between private and public health care sectors. The analysis of policy gaps, as well as evaluating the cause of disparities in the health system is the goal of this research. The study endeavours to redress the disparities within the context of Ubuntu ethical principles and proposes a change in public policy so as to enhance healthcare for the benefit of the people. The study is philosophical and ethical, so the methodology used is discursive in nature, majorly focusing on critically reviewing existing literature, that is, the philosophical resources on Ubuntu ethics and justice theories as well as a range of government resources inclusive of public health policy documents. Social determinants of health and their impact in a South African context are discussed with the implication that health is not merely freedom from disease and or incapacity, but rather being well mentally, physically and socially. The attainment of a healthy status goes beyond ability to access healthcare services, and incorporates social determinants including but not limited to conditions in which people have been born into, stay, establish career and grow old in. It also includes the arrangements put in place to deal with illness and determine health. Issues of revenue, literacy, communal safety networks, vocation and conditions under-which vocation is undertaken, lack of work and vocation insecurity, early stages of human development, gender, cultural group, dietary insecurity, housing communal exclusion and disability all come into the picture as factors that determine health. But there is also discussion of the socio-economic status as contributors to health inequity wherein alcohol abuse, sugar intake, and smoking are identified as behavioural factors that complicate public health. One outstanding feature of this research is that it establishes a link between Ubuntu and public health policy. The researcher establishes that Ubuntu ethics is appropriate for not only discussing public morality, but also for formulating public policy that is morally tenable for South Africa, especially for the public health sector. This thesis calls for an application of Ubuntu in a proper context in order to enhance societal well-being for the benefit of many, if not all. The research proposes the fundamental principle of Ubuntu ethics in which the good of the community is as important as the good of every member of the community. Since Ubuntu ethics does not merely seek to fulfil what benefits the majority, as would be the case in a utilitarian society, the researcher advocates for the building of consensus on the common good, which should be understood to imply not just what is good for everyone in the community, but also what is good for the continued well-being of the community as a single unit. In this regard, the research finds it important that deliberate effort be made to integrate Ubuntu ethics into policies, citing the example of the National Health Insurance (NHI). The good health of all the members of a community is an assurance of the well-being and continuity of the whole national community. The research concludes that public health policy should integrate Ubuntu ethical values such as community, sharing, care, solidarity, identity, harmony, respect, and dignity into policy documents and legislation. (shrink)

Mirvac chief executive Susan Lloyd-Hurwitz, not one usually associated with sympathy for tenants on the rental market, said earlier this year that ‘renting in Australia is generally a very miserable customer experience…the whole industry is set up to serve the owner not the tenant’ Her observation is basically correct and the solution she offers is to change the current situation where small investors, supported by generous government tax concessions, provide effectively all of the country’s private rental housing. Lloyd-Hurwitz wants (...) Mirvac, a property group currently managing over $15 billion of assets, to become an apartment landlord that would own not one or several properties like small investors currently do but rather thousands of properties to rent out. The proposal is for Mirvac to build apartment blocks and then, instead of selling individual apartments, rent them out on long-term or indefinite leases. This build-to-rent housing scheme would of course make the real estate–investment company a great deal of money. At the same time it would do very little to alleviate the current housing crisis. Such schemes are a nonstarter for people who want the security, stability and independence of home ownership, which is a very Australian aspiration that is increasingly becoming unobtainable not only for those experiencing homelessness, but also for the poor and middle-class. Those of us who care about finding a real solution to the housing crisis would do well to consider how we got into this situation in the first place, and then consider how this might inform what we do next. The following then, traces some of the historical and philosophical roots of our understanding of property and their institutionalisation via various levels of government, especially in the Australian context. (shrink)

The Importance of Urban Planning and Strict Laws on Informal Settlements -/- Introduction -/- Urbanization is a global phenomenon, bringing both opportunities and challenges. Rapid population growth, especially in developing nations, has led to the rise of informal settlements or “squatter areas.” These settlements often lack proper infrastructure, sanitation, and legal recognition, creating social, economic, and environmental issues. Effective urban planning, combined with strict enforcement of land-use laws and inclusive housing policies, is essential to ensuring sustainable and livable cities. (...) This essay explores the importance of urban planning and strict laws against illegal settlements, using successful case studies from Singapore, Brazil, South Korea, the Philippines, and Ethiopia. -/- The Role of Urban Planning in Sustainable Cities -/- Urban planning is the process of designing and regulating the use of land to ensure the orderly development of cities. Proper urban planning provides essential services such as housing, transportation, sanitation, and green spaces, preventing the formation of illegal settlements. -/- Key Aspects of Effective Urban Planning -/- 1. Zoning Regulations – Defining areas for residential, commercial, and industrial use helps prevent uncontrolled development. -/- 2. Infrastructure Development – Roads, drainage, sewage systems, and utilities must be planned in advance to accommodate future growth. -/- 3. Disaster Risk Management – Cities must prevent settlements in flood-prone or hazardous areas to minimize risks to human life. -/- 4. Affordable Housing Programs – Governments should provide legal, affordable alternatives to illegal settlements. -/- Without proper urban planning, cities face overcrowding, pollution, poor sanitation, and increased crime rates. Case studies from different countries demonstrate the effectiveness of strong urban policies in addressing informal settlements. -/- Case Studies: Successful Urban Planning and Settlement Control -/- 1. Singapore: A Model for Integrated Public Housing -/- Singapore transformed from a city with severe housing shortages in the 1960s into one of the most well-planned urban environments in the world. The government’s Housing and Development Board (HDB) played a crucial role in developing affordable, high-quality public housing with integrated amenities such as schools, parks, and public transportation. -/- Key Strategies: ✔ Strict zoning laws prevented unregulated settlements. ✔ Homeownership was promoted through subsidized housing loans. ✔ Government-planned townships provided complete services. -/- Results: ✔ Over 80% of Singaporeans now live in well-planned public housing. ✔ Illegal settlements have been completely eliminated. -/- Singapore’s success demonstrates how strict land-use policies combined with affordable housing programs can prevent informal settlements. -/- 2. Brazil: Upgrading Informal Settlements Instead of Evictions -/- Rio de Janeiro faced a severe problem with favelas—informal settlements that grew due to rapid urban migration. Instead of mass evictions, the government launched the Favela-Bairro program (1994-2008), improving living conditions rather than displacing people. -/- Key Strategies: ✔ Infrastructure improvements (roads, sanitation, electricity). ✔ Community engagement ensured residents’ needs were met. ✔ Legal property rights were granted to residents. -/- Results: ✔ Over 250,000 residents benefited from improved housing conditions. ✔ Crime and poverty rates declined as favelas were integrated into the formal city. -/- Brazil’s approach shows that slum upgrading can be a viable alternative to forced eviction, improving both human welfare and urban order. -/- 3. South Korea: Urban Renewal in Seoul (Cheonggyecheon Project) -/- Seoul’s Cheonggyecheon River was once covered by illegal settlements and highways. The government removed the informal settlements, revitalizing the area into a public green space. -/- Key Strategies: ✔ Slum clearance and restoration of natural spaces. ✔ Improved public transport (bus rapid transit) reduced congestion. ✔ Business relocation incentives prevented economic disruption. -/- Results: ✔ 35% reduction in air pollution, making Seoul more livable. ✔ Increased property values and economic growth. -/- This case highlights how urban renewal projects can enhance sustainability, public health, and economic opportunities while addressing informal settlements. -/- 4. The Philippines: Housing and Resettlement Programs -/- Metro Manila faces a long-standing issue of informal settlers occupying flood-prone and government-owned areas. The Philippine government introduced various strategies, including in-city relocation, socialized housing, and land clearing operations. -/- Key Strategies: ✔ Balik Probinsya, Bagong Pag-asa (BP2) Program: Encouraged migration from overcrowded cities with financial aid. ✔ Vertical housing solutions: High-rise social housing projects maximized limited land. ✔ Land clearing operations: Removed settlements from hazardous areas. -/- Results: ✔ Some success in decongesting Metro Manila, but rapid urban migration remains a challenge. ✔ Affordable housing remains a priority for sustainable urban development. -/- The Philippines’ experience shows that a combination of enforcement and social programs is necessary to manage informal settlements effectively. -/- 5. Ethiopia: Large-Scale Public Housing (Addis Ababa’s Condominium Program) -/- Ethiopia faced a housing crisis, with 70% of Addis Ababa’s population living in informal settlements. The government launched a large-scale condominium housing program to address the issue. -/- Key Strategies: ✔ Government-built high-rise condominiums replaced slums. ✔ Low-interest loans made homeownership possible for low-income families. ✔ Priority was given to families displaced by urban renewal projects. -/- Results: ✔ Significant reduction in slums as many moved into formal housing. ✔ Homeownership increased, improving living conditions. -/- Ethiopia’s approach highlights how government-led mass housing projects can transform urban development. -/- Lessons from Successful Urban Planning -/- 1. Strict Land-Use Laws Prevent Slums from Forming ✔ Clearly defining residential, commercial, and public spaces prevents illegal occupation. -/- 2. Affordable Housing is Essential ✔ Governments must provide low-cost housing as a legal alternative to informal settlements. -/- 3. Upgrading Slums Can Be More Effective Than Evictions ✔ Programs like Favela-Bairro (Brazil) and Ethiopia’s condominium projects show that improving existing settlements works better than forced displacement. -/- 4. Technology Can Help Monitor and Prevent Illegal Settlements ✔ GIS mapping and AI tracking can detect unauthorized land occupation. ✔ E-governance systems can simplify property registration and land-use approvals. -/- 5. Community Engagement is Critical ✔ Urban planning must involve local residents to ensure sustainability and social acceptance. -/- 6. Economic and Livelihood Programs Reduce Informal Settlements ✔ Job creation, microfinance, and small business support help low-income families transition into formal housing. -/- Conclusion -/- Urban planning and strict laws against informal settlements are crucial for creating sustainable, safe, and prosperous cities. Case studies from Singapore, Brazil, South Korea, the Philippines, and Ethiopia demonstrate that a balanced approach—combining strict enforcement, affordable housing, and community-driven solutions—leads to long-term success. Governments worldwide must prioritize sustainable housing, infrastructure development, and urban regulations to ensure that growing populations are accommodated in a way that promotes both human dignity and urban order. -/- By learning from successful models and implementing proactive urban policies, cities can prevent slums, improve living conditions, and build a more sustainable future for all. -/- . (shrink)

Purpose: This article aims to highlight key indicators of residents' quality of life in a specific contemporary building in Kruja, Albania. -/- Design/Method/Approach: A questionnaire with 30 questions was prepared for the inhabitance, and the Binary or Tobit probabilistic models were taken into consideration as part of the methodology, to conclude. The study will further analyze the implications of the inhabitants and their behavior in a specific contemporary building in the city of Kruja. It was examined the statistical significance of (...) each variable (questions) in the models elaborated with EViews 8 software. The stable models that are associated with the “Log-likelihood” statistics were statistically significant at a significance level of p < 5%, or with 95% confidence, based on the model tests. -/- Findings: The study concluded that the most statistically significant quality of life indicators part of the questionnaire is related to the typology of the apartments, methods of cooling during summer, present living conditions, apartment improvement, apartment orientation, and time spent in the living room. Furthermore, the study reveals that most of the quality-of-life indicators (part of the questionnaire) are not statistically important, so they will not be considered part of the models created in the article. The study reveals that increasing the living space and improving orientation is crucial to enhance the satisfaction of apartment inhabitants. When apartment sizes increase and orientation is improved, residents are more likely to opt for fans over air conditioners to reduce electricity costs and avoid installing additional cooling facilities during summer. They believe that better living conditions require larger apartments, additional water supply, increased electrical costs, and more time spent in the living room. The inhabitants also emphasize the importance of reducing moisture levels, decreasing window opening frequency, and increasing time spent with family. Interestingly, a one-degree improvement in summer cooling methods (e.g., switching from air blowers to air conditioning) corresponds to a one-degree improvement in winter heating methods (e.g., switching from gas to electricity), leading to a heightened need for clean electric heating. Overall, the study emphasizes the importance of meeting the physical and spatial needs of the residents to enhance their overall satisfaction and quality of life. Urban policies significantly impact housing affordability, quality, transport systems, environmental sustainability, and social equity, affecting overall living standards and economic growth. Cities must create well-designed policies that consider residents' needs and study findings to ensure sustainable development and citizen welfare. -/- Theoretical Implications: Gujarati’s (Basic Economics) theory was developed in the article. -/- Practical Implications: This study will serve as an indicator to analyze the further improvements that might occur in the specific building (not just in the city of Kruja), considering the main quality of life indicators. -/- Originality/Value: The article will serve as a base for further analysis of resident’s behavior and their social impact in the community in order to be aware of their needs for further developments in the construction field. -/- Research Limitations/Future Research: The findings depend profoundly on the type of building the residents are living in. The research stream that can be inspired by the research is strongly related to mathematical regression models, statistics, and probability. -/- Paper Type: Empirical . (shrink)

Under a policy first enacted in 1988 and expanded in 1996, federally funded public housing authorities (“PHAs”) and private landlords renting their properties to tenants receiving federal housing assistance have been required to include a provision in all leases under which drug-related criminal activity as well as criminal activity that in any way poses a threat to other tenants or nearby residents constitutes ground for initiating eviction proceedings. This strict liability eviction policy, which has become known (...) as the “One-Strike Rule,” was part of a broader congressional effort to combat the “reign of terror” that Congress believed drug dealers were imposing on public housing and assisted housing tenants. Like many of the crime-related policies enacted in the 1980s and 1990s, the One-Strike Rule has done little to reduce crime rates, but has been wildly successful in ensuring that the situation of poor households receiving federal assistance remains highly precarious. Calls for reform of the One-Strike Rule are almost as old as the policy itself, but given the political outlook of the current administration, the prospects for reform at the federal level are dim. While federal law and a combination of gridlock and unwillingness in the congressional and executive branches foreclose a range of possible strategies for reform, there is nonetheless room to mitigate the socially corrosive effects of the One-Strike Rule through legislative efforts at the state and local level. Courts in various jurisdictions have upheld state laws that protect vulnerable tenants despite the federal strict liability policy, and these holdings help to provide a framework for how state and local governments seeking to protect tenants can do so without their efforts necessarily falling prey to the Supremacy Clause. This article describes that framework and proposes three concrete measures that fit it. The article is structured as follows: after explaining the One-Strike Rule and the threat it poses to vulnerable tenants (Section II), the article discusses the burden the Rule imposes on tenants and the benefits it is supposed to bring to other parties, and argues that the resulting distribution of burdens and benefits is unjust (Section III). The article then lays out three concrete measures that state and local governments can enact to protect tenants who face eviction for criminal activity under the Rule without falling prey to a federal preemption challenge: requiring “good cause” for eviction, giving tenants the right to cure a breach of their lease, and providing tenants with free counsel in landlord-tenant court (Section IV). (shrink)

A question arising from the COVID-19 crisis is whether the merits of cases for climate policies have been affected. This article focuses on carbon pricing, in the form of either carbon taxes or emissions trading. It discusses the extent to which relative costs and benefits of introducing carbon pricing may have changed in the context of COVID-19, during both the crisis and the recovery period to follow. In several ways, the case for introducing a carbon price is stronger during the (...) COVID-19 crisis than under normal conditions. Oil costs are lower than normal, so we would expect less harm to consumers compared to normal conditions. Governments have immediate need for diversified new revenue streams in light of both decreased tax receipts and greater use of social safety nets. Finally, supply and demand shocks have led to already destabilized supply-side activities, and carbon pricing would allow this destabilization to equilibrate around greener production for the long-term. The strengthening of the case for introducing carbon pricing now is highly relevant to discussions about recovery measures, especially in the context of policy announcements from the European Union and United States House of Representatives. Key Policy Insights: • Persistently low oil prices mean that consumers will face lower pain from carbon pricing than under normal conditions. • Many consumers are more price-sensitive during the COVID-19 context, which suggests that a greater relative burden from carbon prices would fall upon producers as opposed to consumers than under normal conditions. • Carbon prices in the COVID-19 context can introduce new revenue streams, assisting with fiscal holes or with other green priorities. • Carbon pricing would contribute to a more sustainable COVID-19 recovery period, since many of the costs of revamping supply chains are already being felt while idled labor capacity can be incorporated into firms with lower carbon-intensity. (shrink)

In this chapter I consider the place of the topic of racial and ethnic urban residential segregation factors into political philosophy. I begin with a short history of residential segregation and the ghetto, and their role in systems of racial domination and oppression, and remarks on the general neglect of this topic in contemporary political philosophy, including in nonideal political philosophy, which proports to take on examples of real-world injustices and inequalities. I then examine, from the standpoint of liberal-egalitarian political (...) theory, what segregation, as a concept, entails, and its harms to individuals, communities, and societies. Segregation in all its forms (residential, educational, and employment, as well as in political and legal systems) is an instance of injustice and inequality and a major component of processes that maintain injustice and inequality, so it requires correction and rectification of some sort. Desegregation and integration are typically forwarded as solutions to the ills and injustices of segregation. They seem synonymous, but are they? To answer this question, I survey the prominent conceptualizations of both during the civil rights movement and the contemporary debate over those terms and political theoretical positions. In the conclusion I outline my partial defense of the idea of integration. (shrink)

Poniższa dyskusja odbyła siȩ we wrześniu 2018 w Szkole Głównej Handlowej w Warszawie. Skupiła zarówno badaczy problematyki polityki senioralnej, ekspertów, analityków. Dyskusjȩ moderował i zaplanował Andrzej Klimczuk, zwi¸a}zany z SGH, natomiast zaproszenie do dyskusji przyjȩli: Barbara Szatur-Jaworska, polityk społeczny i gerontolog z Uniwersytetu Warszawskiego, Paweł Kubicki, ekonomista, SGH, Marek Niezabitowski, socjolog z Politechniki Śl¸a}skiej, Ryszard Majer, polityk społeczny, Agnieszka Cieśla, architektka i urbanistka, Politechnika Warszawska, Marzena Rudnicka, fundatorka oraz prezeska Krajowego Instytutu Gospodarki Senioralnej. Paneliści podczas dyskusji analizowali nastȩpuj¸a}ce zagadnienia: I. (...) pocz¸a}tki polityki senioralnej, jej definiowanie, dokumenty strategiczne państwa, II. rola samorz¸a}dów w animowaniu działań w obrȩbie polityki senioralnej oraz organizacji pozarz¸a}dowych, III. powstanie i rola ustawy o seniorach, IV. zróżnicowanie środowiska osób w wieku senioralnym, V. działania w innych krajach w obrȩbie polityki senioralnej, VI. zmiany w świadomości społecznej, ewolucja postaw wobec osób starszych, starości, starzenia siȩ, VII. rynek produktów i usług dla seniorów, VIII. aktywność seniorów, formalna i nieformalna, infrastruktura aktywności, IX. mieszkalnictwo dla osób starszych i starzej¸a}cej siȩ ludności X. rola państwa i samorz¸adu w polityce senioralnej, dialog z władz¸a, partnerstwo publiczno-prywatne, XI. wyzwania i kierunki rozwoju polityki senioralnej, XII. deficyt usług opiekuńczych XIII. polityka senioralna i emerytalna, XIV. konwergencja i dywergencja w polityce senioralnej. ** The following discussion took place in September 2018 at the Warsaw School of Economics. It focused on both senior politics, experts, and analysts. The discussion was moderated and planned by Andrzej Klimczuk, associated with the Warsaw School of Economics, and invited to the discussion: Barbara Szatur-Jaworska, social politician and gerontologist from the University of Warsaw, Paweł Kubicki, economist, Warsaw School of Economics, Marek Niezabitowski, sociologist from the Silesian University of Technology, Ryszard Majer, social politician, Agnieszka Cieśla, architect and urban planner, Warsaw University of Technology, Marzena Rudnicka, founder and president of the National Institute of Senior Management. Panelists during the discussion analyzed the following issues: I. Beginnings of the senior policy, its definition, strategic documents of the state, II. The role of local governments in animating activities within the framework of senior policy and non-governmental organizations, III. Creation and role of the law on seniors, IV. Diversification of the environment of seniors, V. Activities in other countries within the framework of the senior policy, VI. Changes in social awareness, the evolution of attitudes towards older people, old age, ageing, VII. The market for products and services for seniors, VIII. Seniors’ activity, formal and informal, activity infrastructure, IX. Housing for older people and ageing population X. The role of the state and self-government in the senior policy, dialogue with the authorities, public-private partnership, XI. Challenges and directions of development of the senior policy, XII. The deficit of care services, XIII. Senior and pension policy, XIV. Convergence and divergence in the senior policy. (shrink)

Lack of physical activity is one of the main cause of obesity. Currently, scientists proposed that teenagers and women are overweight or obese than men in Bangladesh. Furthermore, non-communicable diseases (NCDs) are becoming more prevalent in Bangladesh. By 2050, the illness burden of non-communicable diseases will have a significant impact on the health budget. To reduce non-communicable diseases, physical activity is one of the options. However, the lack of public facilities for physical activities in each community is a concern. According (...) to the Department of Military Estate Administration, Central Circle, DOHS (Defense Officers' Housing Scheme) has a total of 2966 plots and 396.6327 acres of area (640 acres =1 square mile) including 5 DOSH in Bangladesh. However, each DOHS has all the public facilities including structures streets, parks, walking paths, squares, gyms, cultural and sports grounds, walkways, waterfronts, lakes, mosques, cafeterias, public toilets, sitting areas for elderly or passersby, etc for physical activities specially for women, children, and the disabled people. Gulshan, Baridhara, Banani, and Dhanmondi areas are other good examples from Bangladesh where dwellers specially, women and children have facilities for physical activities. Sangmoo Kim, urban specialist said, “it is not over-ambitious thinking to have public facilities; it is a basic need for each city dweller for a healthy life”. This report aims to explore what are the policy drawbacks of the Government of Bangladesh not providing public facilities to perform physical activities in each area. (shrink)

Thick concepts, namely those concepts that describe and evaluate simultaneously, present a challenge to science. Since science does not have a monopoly on value judgments, what is responsible research involving such concepts? Using measurement of wellbeing as an example, we first present the options open to researchers wishing to study phenomena denoted by such concepts. We argue that while it is possible to treat these concepts as technical terms, or to make the relevant value judgment in-house, the responsible thing to (...) do, especially in the context of public policy, is to make this value judgment through a legitimate political process that includes all the stakeholders of this research. We then develop a participatory model of measurement based on the ideal of co-production. To show that this model is feasible and realistic, we illustrate it with a case study of co-production of a concept of thriving conducted by the authors in collaboration with a UK anti-poverty charity Turn2us. (shrink)

During the rapid process of deindustrialization in Iran, the term ‘industrial heritage’ has recently emerged as a new subject into public realm. In order to integrate the methodologies for the protection and adaptive reuse strategies, the ‘industrial heritage’ itself needs to be divided into various categories. UNESCO has begun inscribing increasing numbers of local industrial legacies such as railway, mines, factories, assembly plants, agricultural production and manufacturing production in its World Heritage List. However, in the process of their adaptive reuse (...) the question of heritage meanings arises. Over the past century in Iran, powerful corporate and governmental actors have created a broad range of oil imaginaries that changed over time and in line with local cultures. Starting from 1920s and after the nationalization of oil industry in Iran, oil cities such as Abadan and Masjid Suleiman saw massive expansion to house labors and oil-industry specialists who had arrived from the United States, Europe, India, and the Persian Gulf states. This research aims to clarify how the oil industry, in close collaboration with national governments, has materially shaped the oil cities through oil-specific architecture like company headquarters, gas stations, retail and infrastructure buildings. The current legacy of oil industry continues to reshape the industry, society and politics as well. This research uses a critical and analytical problem-based approach to examine the current policies that build a new image and identity through adaptive reuse strategies to promote sustainable local development in Iran’s industrial heritage. (shrink)

In October 2016, the White House, the European Parliament, and the UK House of Commons each issued a report outlining their visions on how to prepare society for the widespread use of artificial intelligence. In this article, we provide a comparative assessment of these three reports in order to facilitate the design of policies favourable to the development of a ‘good AI society’. To do so, we examine how each report addresses the following three topics: the development of a ‘good (...) AI society’; the role and responsibility of the government, the private sector, and the research community in pursuing such a development; and where the recommendations to support such a development may be in need of improvement. Our analysis concludes that the reports address adequately various ethical, social, and economic topics, but come short of providing an overarching political vision and long-term strategy for the development of a ‘good AI society’. In order to contribute to fill this gap, in the conclusion we suggest a two-pronged approach. (shrink)

This is a review of Susan Greenfield's 2015 book 'Mind Change: How Digital Technologies Are Leaving Their Mark On Our Brains'. Greenfield is a neuroscientist and a member of the UK House of Lords, who argues that digital technologies are changing the human environment "in an unprecedented way," and that by adapting to this environment, "the brain may also be changing in an unprecedented way." The book and its author have created a surprising amount of controversy. I discuss both Greenfield's (...) book and a prominent critique by Bell et al. (2015). The exchange points to some flaws in Greenfield's argument and represents an interesting debate about the public role of scientists, but it does not undermine the value of the book as a springboard for discussions about possible policies and future research. (shrink)

Substantially increased wealth inequality across the developed world has prompted many philosophers, economists and legal theorists to support comprehensive taxes on all forms of wealth. Proposals include levying taxes on the basis of total wealth, or alternatively the change in the value of capital holdings measured from year-to-year. This contrasts with most existing policies that tax capital assets at the point they are transferred from one beneficiary to another through sale or gifts. Are these tax reforms likely to meet their (...) aims of greater economic and political equality? We argue that these policies are likely to fail because, following neoclassical economic theory, they are based on a conception of capital as possessing given values in what amounts to a static equilibrium. This mischaracterizes the dynamic and subjective character of market economies and the contested value of real instantiations of capital goods. This makes them very difficult, often impossible, to value apart from at the point of voluntary transfer or profit realization. This means most taxes levied on a mark-to-market basis will be arbitrary and unfair. We propose alternative policies based on an income realization approach to taxation that are more likely to curb excessive wealth holdings. This includes introducing international treaties that prohibit preferential tax treatment for individual companies and specific sectors, and broadening the income tax base to include the imputed rent of personal housing wealth. (shrink)

Many countries in Eastern Europe, during the 1960–1970s, as well as Albania responded to the growing demand for new houses utilizing the emerging trends for industrialization of the construction process and mass construction of prefabricated residential buildings based on large-panel prefabricated RC elements. During the 1970s large-panel buildings spread throughout the country and became the main type of construction in the Albanian cities such as Shkodër, Tirana, Durrës, Elbasan, Berat, etc. Most of these buildings have five or six stories and (...) comprise different modules, the number of which depends on the urban and architectonic projects. The construction technology of these types of buildings included only the construction of prefabricated reinforced concrete material and did not take into account the energy performance of these structures. Since the moment of construction, only in the last year, several interventions have been made in different cities where a layer of polystyrene has been placed on the external walls of these buildings in order to enhance their thermal insulation. The aim of this paper is to improve the thermal performance of these buildings by introducing a comparison of their initial situation as they are today and how their performance would be if innovative technologies and materials were applied. The study is going to analyse the thermal performance of the existing buildings, by means of the thermal camera in the city of Kamez, located in Tirana, which has been chosen as a key study. Furthermore, the data obtained from the MEEC application are gathered, in order to compare the previous, the existing situation and the proposed intervention. The results may be used by municipalities of different cities, not only in the Albanian context, either where interventions have been made to improve their performance, or for municipalities where thermal regulation policies have not been yet implemented for these types of buildings. The existing situation of the buildings according to the calculations, showed a poor thermal performance, regardless of the fact that they are already equipped with thermal insulation building envelope. They have to be requalified in order to be categorized as a building with high thermal performance. (shrink)

Natural resources, especially land, play an important role in many economic problems society faces today, including the climate crisis, housing shortages and severe inequality. Yet, land has been either entirely neglected or seriously misunderstood by contemporary theorists of distributive justice. I aim to correct that in this paper. In his theory of original acquisition, Locke did not carefully distinguish between the value of natural resources and the value that we add by laboring upon them. This oversight led him to (...) the mistaken conclusion that labor mixing gives the laborer an entitlement to both the improvement and the resource. I explain how Locke's false belief that the proviso was satisfied in his time was the fundamental cause of this error, and I develop a novel reading of the proviso using the law of rent. Instead, we should think, following Henry George, that the community is entitled to the economic value of natural resources, because the community created the value of resources, not the individual improver. I discuss an argument from George's "Progress and Poverty" that self-ownership is actually inconsistent with (rather than the ground for, as Locke thought) private appropriation of natural resources. This is because a necessary condition of our equal rights as self-owners is having free access to natural resources. If we do not have such access, George argues that natural resource owners can extract surplus value from their users (though I show why Marx’s belief that capital owners can also extract surplus value is mistaken). Nozick’s infamous argument that taxation is morally on a par with forced labor proves too much for his purposes, since George shows that payment of economic rents to natural resource owners is also morally on a par with forced labor. I then develop my own view of original acquisition, inspired by George. The self-ownership of improvers gives them an entitlement to improvements that they create. But the self-ownership of everyone else precludes an entitlement to natural resources value. Natural resource rents should not be enjoyed by those who improve the resource, but rather, by all community members in proportion to the share of demand for natural resources they are responsible for. Finally, I move from ideal theory to the real world, and discuss how George’s land value tax could be implemented in practice, and what its beneficial effects would be. We should be interested in this policy for many reasons, not the least of which is the fact that the two countries that have implemented the most extensive suite of Georgist policies—Norway and Singapore—are the two wealthiest countries in the world (excluding micro-states and tax havens). Since the land value tax is not inefficient like other taxes, it is unique among social and economic policies in that it has the potential to both greatly increase and more fairly distribute society’s wealth. (shrink)

Who should decide who gets to say what on online social media platforms like Facebook, Twitter, and YouTube? American legal scholars have often thought that the private owners of these platforms should decide, in part because such an arrangement is thought to serve valuable free speech interests. This standard view has come under pressure with the enactment of statutes like Texas House Bill 20, which forbids certain platforms from “censoring” user content based on viewpoint. Such efforts to regulate the speech (...) policies of online platforms have been challenged for undermining the editorial speech rights of these platforms and allowing the proliferation of hate speech. This Article develops a democratic theory of free speech, according to which one of the most important reasons for protecting robust free speech rights is that free speech can contribute not only to democratic elections but to a democratic culture more generally. To achieve robust cultural democracy, a community’s speech environment must enable people not only to rationally persuade one another about matters of public importance and convey mutual respect to one another as political equals but also allow people to influence each other in a less articulate and rational manner—to “democratically vibe” with one another. This theory yields a qualified normative defense of government regulation of the speech policies of large social media platforms that can help to realize cultural democracy, suggesting that First Amendment doctrine should focus to a greater extent on protecting the speech rights of platform users, rather than platform owners. Although far from a ringing endorsement of H.B. 20 or S.B. 7072, this Article suggests that First Amendment law should be friendlier to state regulation of platform speech than many critics have thought. (shrink)

a houseis a structure that provides shelter for humanity. Studies have shown that in most parts of the world, urban rents are determined by various factors. These factors include location, level of facilities and services, neighborhood characteristics, space etcetera. Among these factors, the most influencing factor of rent in Wa Municipality is the level of facilities and services provided for tenant use. The objectives of this research was to examine the cost of housing construction, to determine the role played (...) by government in housing provision, recommend policies for housing provision, determine the portion of household income spent on rent. The methodology of this research is base on interplay of deskwork and fieldwork and these took the form of data collection, presentation and data analysis of findings. In the course of this study, both qualitative and quantitative primary and secondary data were collected. A summary of the findings from the research indicates that: cost of building materials is the major contributory factor to the cost of construction aside land and labour cost, the existing rent control law as currently operated have little or no impact on rent charged in the Municipality, current rent levels in the municipality are deemed to be satisfactory, besides the already documented rent determinants, population, occupation, and prospective duration of lease were also identified. One other major finding was that landlords do not take into account the room v let but take into consideration the number of people occupying the room to charge their rent and as such tenants who cannot afford to pay the full recoverable rent has to search for tenants they don‟t know. The group recommends that, There should be given a high priority to local building materials, which could reduce the cost of building and the improvement of the supply chain of various building materials; there should be a mechanism that would ensure that the Rent Control Board, the house owners and tenants would be provided with a platform where consensus building can be done in order to ensure transparency in rent charge Finally, the government should also urge the exemption of value added taxes on building components sourced locally as well as import duties on imported goods. (shrink)

Winds of change, from the political perspective in Mexico, invite us to reformulate the methodological vision for the direction of public policy in the field of social development, directing their actions towards the construction of a methodological proposal that allows us to direct ourselves towards achieving higher levels of Well-being Social in our country, as a desirable objective of public policy and which is expected to be inclusive, participatory and democratic. -/- In this sense, it is important to (...) recognize that the current debate, in the academic and political sphere, questions what is being well? What is the life that is worth living? And that, additionally, the recognition of the satisfaction of life goals, at an individual and collective level, which invites us to reflect, if the current economic and social policy and strategy has produced results in what we envision as social welfare? Is a new approach necessary to solve the problem? What strategy should it be to consider the new methodological approach that seeks social welfare? And what components should be considered in the measurement of social welfare? This document is an invitation to review the concept of social welfare, as a proposal whose purpose is to correct the deficiencies or historical deficiencies suffered by the population, in the elemental enjoyment of social rights, a situation that causes social backwardness, marginalization, and that it is aimed at the impossibility of participating in the social decisions of the community and in collective decisions, such as: speaking, proposing, being heard and demanding compliance with fundamental human rights such as: health, food, housing, employment and security, among others. These deficiencies in the enjoyment of social and human rights are seen in the presence of social exclusion, and that together these social deficiencies explain the degree of multidimensional poverty suffered by the population in rural and urban areas. It is here that he invites us to reflect: what is the problem that social welfare seeks to solve? Multidimensional poverty, social exclusion, social backwardness or social inequality? And consequently, how to define the components to identify social welfare? -/- The document is made up of three sections: i) Social welfare: A retrospective look; ii) Social Welfare, an integrative view: The contribution of Sen, Naussbam, Rawls, Actis Di Pasquale and Keyes; and iii) Social Welfare: The recognition of limits in economic development -/- The first section presents a review of the proposals, which in the area of economic development have been presented since 1968 in the Human Condition Project, until the 2015 proposal of Sustainable Development Goals. -/- In the second section, the contributions of (Rawls, 1995), (Sen, 1982), (Nussbaum, 2011), (Keyes, 1998) , (Actis Di Pasquale, 2015) and (Actis Di Pasquale, 2017) are presented in order to present an integrative approach to the concept of social welfare. And finally, the third section presents the recognition of limits in development, as well as an invitation for action from a transdisciplinary and interdisciplinary perspective in the study of social welfare. -/- August 2020 DOI: 10.13140/RG.2.2.24147.20006/1 LicenseCC BY-SA 4.0 -/- . (shrink)

The ongoing refugee crisis is described as the most important concern since the Second World War, which has caused a great displacement of people. Many of these immigrants have been departing towards Mediterranean countries, as first-line states, seeking for a chance to enter Europe. This situation has created a challenging condition for many refugee accepting cities as well as for the migrants to get integrated within the new society. This fact has had a great influence on the sustainability condition while (...) the rapid and uncontrolled inflows can overwhelm the host countries' capacities to integrate new arrivals. In this regard, some European countries including Germany and Italy are coming about with strategies for accommodation and integration of these refugees in their countries. This paper aims to study and analyze two of the current case studies reflecting adaptive reuse strategies in European context for providing refugees' temporary housing facilities. In the context of this research, using the existing building stock introduced as the dominant strategy which can provide refugees with a proper shelter and also while providing the chance for their urban integration can contribute to revitalization of urban areas with the newcomers' participation. By analyzing the Berlin's largest refugee shelter inside Tempelhof Airport as the first case study, the major policies in Germany for providing refugee housing in national and local levels have been investigated. However, the second case study -Ex-Moi in Turin, is characteristically different from the case of Tempelhof airport of Berlin; since the refugees occupied the abandoned facility of the Olympic Village and settled down there. Regarding the fact that there is an urgent need for long-term policies and sustainable approaches to cope with the current refugee crisis, this research tries to shed a light on the path towards providing temporary housings by analyzing the challenges and opportunities of two different current case studies in Germany and Italy. (shrink)

This expanded edition of John Stuart Mill's _Utilitarianism_ includes the text of his 1868 speech to the British House of Commons defending the use of capital punishment in cases of aggravated murder. The speech is significant both because its topic remains timely and because its arguments illustrate the applicability of the principle of utility to questions of large-scale social policy.

Social innovations are usually understood as new ideas, initiatives, or solutions that make it possible to meet the challenges of societies in fields such as social security, education, employment, culture, health, environment, housing, and economic development. On the one hand, many citizen science activities serve to achieve scientific as well as social and educational goals. Thus, these actions are opening an arena for introducing social innovations. On the other hand, some social innovations are further developed, adapted, or altered after (...) the involvement of scientist-supervised citizens in research and with the use of the citizen science tools and methods such as action research, crowdsourcing, and community-based participatory research. Such approaches are increasingly recognized as crucial for gathering data, addressing community needs, and creating engagement and cooperation between citizens and professional scientists. However, there are also various barriers to both citizen science and social innovation. For example, management, quality and protection of data, funding difficulties, non-recognition of citizens’ contributions, and limited inclusion of innovative research approaches in public policies. In this volume, we open theoretical as well as empirically-based discussion, including examples, practices, and case studies of at least three types of relations between citizen science and social innovation: domination of the citizen science features over social innovation aspects; domination of the social innovation features over the citizen science aspects; and the ways to achieve balance and integration between the social innovation and citizen science features. Each of these relationships highlights factors that influence the development of the main scales of sustainability of innovations in the practice. These innovations are contributing to a new paradigm of learning and sharing knowledge as well as interactions and socio-psychological development of participants. Also, there are factors that influence the development of platforms, ecosystems, and sustainability of innovations such as broad use of the information and communications technologies including robotics and automation; emerging healthcare and health promotion models; advancements in the development and governance of smart, green, inclusive and age-friendly cities and communities; new online learning centers; agri-food, cohousing or mobility platforms; and engagement of citizens into co-creation or co-production of services delivered by public, private, non-governmental organizations as well as non-formal entities. (shrink)

Beyond Capitalism: Designing a New Economic System for Humanity -/- Introduction -/- For centuries, capitalism has been the dominant economic system, driving technological innovation, wealth creation, and global trade. However, its flaws—extreme inequality, environmental destruction, and economic instability—have made many question whether it is still the best model for humanity. Instead of reforming capitalism, perhaps the time has come to replace it entirely with a new system that better aligns with modern challenges, human well-being, and sustainability. -/- This essay explores (...) a new economic model that moves beyond capitalism and socialism, aiming for a system that is fair, sustainable, and technologically advanced. -/- Why Capitalism Must Be Replaced -/- Capitalism’s fundamental flaws make it unsustainable in the long run: -/- 1. Wealth Inequality and Economic Injustice -/- The richest 1% own more than half of the world’s wealth, while billions struggle in poverty. -/- The capitalist system prioritizes profits over people, leading to worker exploitation and economic instability. -/- 2. Environmental Collapse -/- Capitalism’s endless growth model is destroying the planet through deforestation, pollution, and climate change. -/- Corporations prioritize short-term profits over long-term sustainability. -/- 3. Automation and AI Disrupting Jobs -/- Millions of jobs are being replaced by artificial intelligence and automation. -/- The capitalist system does not account for a future where human labor is no longer essential. -/- 4. Psychological and Social Problems -/- Consumerism creates stress, anxiety, and social isolation by equating happiness with material wealth. -/- The fear of financial instability keeps people trapped in low-quality jobs and debt cycles. -/- Given these issues, capitalism is no longer fit for the future. A completely new economic system must be built—one that values sustainability, equality, and technology-driven efficiency. -/- Introducing a New Economic System: The Post-Capitalist Model -/- A new economic model must prioritize human well-being, technological efficiency, and ecological balance over profit. Below is a blueprint for a post-capitalist society. -/- 1. A Resource-Based Economy (RBE) -/- A Resource-Based Economy (RBE) is an economic model where all goods and services are freely available based on need, rather than money or trade. -/- Technology and AI manage resources efficiently, eliminating the need for money. -/- Automation handles labor, allowing people to pursue education, research, and creativity. -/- No private ownership of land or resources, only shared community access based on sustainability. -/- 2. Universal Basic Infrastructure (UBI 2.0) -/- Instead of just giving people money (UBI), a new system would provide universal basic needs, including: -/- Free housing, healthcare, education, food, and clean energy for all. -/- Advanced AI-driven logistics to distribute goods and services efficiently. -/- 3. Decentralized AI Governance -/- Rather than governments being controlled by corporations or corrupt politicians, AI and collective intelligence could ensure fair and transparent decision-making. -/- AI algorithms could optimize resource distribution, prevent waste, and eliminate financial corruption. -/- Direct democratic participation, where people vote on policies using secure blockchain systems. -/- 4. Sustainable, Circular Economy -/- Zero waste policies, where everything is recycled, reused, or repurposed. -/- Focus on degrowth—reducing unnecessary production while increasing quality of life. -/- Energy-efficient smart cities, where transportation, housing, and food production are automated. -/- 5. Post-Work Society: Emphasizing Purpose Over Jobs -/- In a post-capitalist economy, people would not be forced to work meaningless jobs just to survive. Instead: -/- People could focus on science, philosophy, arts, personal growth, and social well-being. -/- Education would be lifelong and freely available. -/- AI and robots would handle most labor, leaving humans free to explore their full potential. -/- How This System Would Solve Capitalism’s Problems -/- Challenges in Transitioning to a Post-Capitalist Economy -/- While this system solves capitalism’s biggest problems, transitioning away from capitalism would face major challenges: -/- 1. Resistance from the Wealthy Elite -/- Billionaires and corporations control most of the world’s resources and political systems. -/- They would fight to maintain power, delaying or sabotaging systemic change. -/- 2. Psychological and Cultural Shifts -/- People have been conditioned to associate money with survival and success. -/- A new system would require re-educating society on cooperation, sustainability, and shared abundance. -/- 3. Technology and Infrastructure Development -/- Large-scale AI, automation, and sustainable energy infrastructure would need global investment. -/- Governments and private companies must be convinced to prioritize long-term sustainability over short-term profit. -/- The Path Forward: Steps to Build a Post-Capitalist World -/- While the transition will not happen overnight, we can begin moving toward a post-capitalist future by taking the following steps: -/- 1. Implement Universal Basic Income (UBI) Now -/- Governments can start by providing a safety net while transitioning to a money-free economy. -/- Countries like Finland and Canada are already experimenting with UBI programs. -/- 2. Expand AI and Automation for Public Good -/- AI should be used to reduce labor burdens, not to enrich corporations. -/- Governments should invest in open-source AI that benefits all of society. -/- 3. Develop Smart Cities and Circular Economies -/- Cities should be designed for zero waste, renewable energy, and efficient transportation. -/- Governments must ban planned obsolescence and require full recycling of consumer products. -/- 4. Decentralize Power Using Blockchain and Direct Democracy -/- Blockchain voting systems can eliminate election fraud and political corruption. -/- AI-assisted governance can help make fair, data-driven policy decisions. -/- 5. Redefine Education and Human Purpose -/- Schools should move away from job training and focus on creativity, science, philosophy, and social intelligence. -/- Societies should emphasize happiness, purpose, and sustainability over financial success. -/- Conclusion: A New Civilization Beyond Capitalism -/- Capitalism was a necessary stage in human evolution, but it has outlived its usefulness. The future demands a system that is more intelligent, just, and sustainable—one where: ✅ No one is forced to work just to survive. ✅ Resources are managed intelligently, not wasted for profit. ✅ Technology is used for human well-being, not corporate greed. ✅ The planet is protected, not exploited. -/- This is not utopian fantasy—it is a logical step forward in human evolution. By combining AI, automation, decentralized governance, and sustainability, we can create a post-capitalist society where everyone thrives. -/- The question Is no longer “Should we replace capitalism?” The question is: “How soon can we build a better system before capitalism destroys us all?” -/- . (shrink)

Ideal GDP per Capita, Gini Coefficient, and Population Growth: A Holistic Framework for National Prosperity -/- Economic metrics such as GDP per capita, the Gini coefficient, and population growth are interrelated factors that shape a nation’s economic health, equity, and sustainability. While GDP per capita reflects the average economic output per person and the Gini coefficient measures income inequality, population growth plays a critical role in influencing both metrics. Achieving an ideal balance among these three indicators is essential for fostering (...) long-term prosperity and social stability. -/- This essay explores the characteristics of an ideal GDP per capita, Gini coefficient, and population growth, emphasizing how they interact to create a balanced and sustainable society. -/- Ideal GDP per Capita -/- GDP per capita is a key indicator of a nation’s economic productivity and standard of living. While higher GDP per capita is generally associated with improved living standards, its effectiveness depends on equitable distribution and sustainable resource use. -/- Ideal Range: Studies suggest that an ideal GDP per capita lies between $20,000 and $50,000, as this range ensures that most citizens have access to basic necessities, quality healthcare, education, and infrastructure. Beyond this range, diminishing returns on wealth are observed, meaning additional income contributes less to overall well-being. -/- Equity as a Prerequisite: High GDP per capita should align with equitable wealth distribution. Without fair distribution, economic gains are concentrated among the wealthy, exacerbating inequality and reducing the overall quality of life for many. -/- Ideal Gini Coefficient -/- The Gini coefficient measures income inequality, with 0 representing perfect equality and 1 representing maximum inequality. An ideal Gini coefficient balances equity and economic incentives. -/- Ideal Range: Economists agree that a Gini coefficient between 0.25 and 0.35 is optimal, as it reflects a society where wealth and opportunities are shared relatively equitably without discouraging innovation and productivity. -/- Impacts of Low Inequality: Countries with low Gini coefficients often experience stronger social cohesion, lower crime rates, and better health outcomes. For instance, Scandinavian nations, with Gini coefficients around 0.25–0.30, demonstrate how equitable wealth distribution can enhance societal well-being. -/- Economic Growth and Equality: Excessive inequality (Gini > 0.4) can hinder social mobility and lead to political and economic instability, undermining long-term growth. -/- Ideal Population Growth -/- Population growth is a critical factor that influences GDP per capita and income distribution. A balanced and sustainable population growth rate is necessary to achieve and maintain ideal economic conditions. -/- Ideal Growth Rate: Experts suggest that an annual population growth rate of around 1% or less is ideal for most countries. This rate ensures that economic growth can keep pace with population increases, preventing overburdened resources and infrastructure while maintaining a stable labor force. -/- Economic Implications: -/- Rapid Growth: Excessive population growth strains public services, healthcare, education, and housing, which can lead to lower GDP per capita and exacerbate inequality. -/- Declining Growth: Extremely low or negative population growth, as seen in some developed countries like Japan, can lead to labor shortages, reduced economic productivity, and challenges in supporting aging populations. -/- Sustainable Growth: A steady, moderate population growth rate supports economic stability by providing a consistent labor supply while minimizing pressure on resources. -/- The Synergy Between GDP per Capita, Gini Coefficient, and Population Growth -/- The ideal relationship between GDP per capita, the Gini coefficient, and population growth lies in their mutual reinforcement: -/- 1. Balanced Growth and GDP per Capita: Moderate population growth allows for sustained increases in GDP per capita, as economic output can expand alongside a manageable rise in population. -/- 2. Population and Inequality: Equitable income distribution is easier to achieve in societies with stable population growth, as rapid growth often leads to increased competition for limited resources, exacerbating inequality. -/- 3. Long-Term Stability: A stable population growth rate ensures that infrastructure, social services, and natural resources are not overburdened, contributing to equitable wealth distribution and higher per capita income. -/- For example, countries like Sweden and Norway combine high GDP per capita (over $50,000), low Gini coefficients (around 0.25–0.30), and stable population growth rates (~0.5–1% annually). This synergy results in high living standards, robust social safety nets, and sustainable economic development. -/- Challenges and Policy Recommendations -/- Achieving ideal GDP per capita, Gini coefficient, and population growth requires effective policies and governance: -/- 1. Population Policies: Governments must adopt population policies that promote sustainable growth, such as family planning programs, investments in education, and support for working families. -/- 2. Redistributive Measures: Progressive taxation, social welfare programs, and universal access to education and healthcare can reduce inequality and support equitable wealth distribution. -/- 3. Sustainable Development: Policies must focus on balancing economic growth with environmental conservation to ensure long-term prosperity for future generations. -/- Conclusion -/- The ideal GDP per capita, Gini coefficient, and population growth rate represent a balanced framework for national prosperity. A GDP per capita of $20,000 to $50,000, a Gini coefficient of 0.25 to 0.35, and a population growth rate of 1% or less collectively promote sustainable economic development, equitable wealth distribution, and social harmony. However, these ideals must be pursued with context-specific strategies that account for each country’s unique demographic, cultural, and economic circumstances. By achieving this balance, nations can create resilient and thriving societies for current and future generations. -/- . (shrink)

-/- Globalization of Labor Supply: Impacts and Challenges -/- The globalization of labor supply is a significant feature of the modern global economy, profoundly shaping markets, industries, and the nature of work. This trend is driven by technological advances, the increasing mobility of workers, and the interconnectedness of economies. Labor supply globalization involves the integration of labor markets across borders, enabling businesses to access a diverse, global talent pool while workers can seek employment opportunities in new regions. While this phenomenon (...) offers economic advantages, it also brings about challenges and ethical considerations that must be addressed for a more equitable global workforce. -/- Drivers of Labor Supply Globalization -/- One of the primary drivers of labor supply globalization is offshoring and outsourcing. Companies, in their quest for reducing costs, often shift their production or services to countries with lower labor costs. This practice allows businesses in high-wage countries to remain competitive while capitalizing on cheaper labor in developing nations. For example, tech companies such as Apple and Microsoft outsource their customer support and tech support services to countries like India and the Philippines, where labor costs are significantly lower compared to the U.S. This shift has led to the rise of call centers and outsourcing hubs in these countries, where skilled workers provide services to global businesses. -/- Nike manufactures its products in Vietnam, China, and Indonesia, where labor costs are lower than in the U.S. This has allowed Nike to reduce production costs and offer more affordable products. Similarly, Apple’s assembly of iPhones occurs in China through its partnership with Foxconn, a major supplier based there. This practice is part of the company’s strategy to minimize labor expenses and maintain competitive pricing, which has sparked both criticism and admiration worldwide. -/- Another crucial factor in the globalization of labor is the increasing migration of workers. People are often motivated by the prospect of higher wages and better living conditions in economically developed countries. For instance, Mexican workers have migrated to the United States for decades, filling jobs in agriculture, construction, and hospitality industries. This migration has had a significant impact on both the economies of the U.S. and Mexico. Migrants from Central and Eastern Europe have similarly moved to Western European countries, particularly the UK, Germany, and France, to fill labor shortages in sectors like healthcare and manufacturing. The UK’s National Health Service (NHS), for example, relies heavily on healthcare professionals from countries like India, Philippines, and Poland. In fact, about 13% of NHS staff in the UK are foreign-born. -/- Additionally, migrants send remittances back home, which play a vital role in the economic development of their countries of origin. According to the World Bank, remittances from migrant workers in 2020 totaled over $540 billion globally, supporting families and contributing to poverty reduction. India and Mexico are among the top countries that receive remittances from migrants, with Indian workers abroad sending $83 billion back home in 2020 alone. -/- Technological advancements have further accelerated labor supply globalization. The rise of remote work and digital platforms has allowed workers to access job opportunities across the globe without needing to leave their countries. This trend is particularly prominent in knowledge-based industries such as information technology, finance, and marketing. For example, platforms like Upwork and Freelancer enable workers from countries like Pakistan, Ukraine, and Kenya to connect with clients in North America and Western Europe, offering services in areas such as software development, graphic design, and digital marketing. The COVID-19 pandemic acted as a catalyst for remote work, leading companies worldwide to embrace the flexibility of hiring international talent. Companies like Shopify, Twitter, and Facebook shifted to remote-first models, opening up opportunities for workers worldwide. -/- Impacts on the Global Economy -/- The globalization of labor supply has brought about both positive and negative impacts, especially in terms of economic growth and the redistribution of wealth. On the one hand, it has provided businesses with access to a larger pool of labor, which can increase efficiency, reduce production costs, and foster economic growth. Companies can outsource certain tasks to countries where labor is cheaper, allowing them to allocate resources toward higher-value work in their home countries. For instance, Nike manufactures its products in Vietnam, China, and Indonesia, where labor costs are significantly lower than In the U.S. This has allowed the company to reduce production costs and offer more affordable products, benefiting both the company and consumers. Similarly, Amazon has outsourced a significant portion of its customer support functions to regions such as India and Brazil, where labor costs are more affordable. -/- Moreover, the migration of workers and the subsequent remittances they send back home contribute to poverty alleviation in developing countries. Remittances are often a lifeline for families in low-income nations, improving their access to education, healthcare, and housing. For example, India and China are among the largest recipients of remittances, with millions of migrant workers in the Middle East and North America sending money back to their families. In 2020, India received approximately $83 billion in remittances, according to the World Bank. -/- However, the globalization of labor has also led to increased wage disparity and job insecurity in many industries. In developed countries, businesses that offshore jobs to countries with cheaper labor have led to significant job losses in sectors like manufacturing, customer service, and call centers. For example, in the U.S., the offshoring of manufacturing jobs to countries like China has been linked to the decline of the domestic manufacturing sector. In 2017, the Economic Policy Institute reported that U.S. workers had lost over 3 million manufacturing jobs due to trade with China alone. -/- This phenomenon has sparked debates over the fairness of globalization, as workers in wealthier countries face stagnant wages or job displacement, while workers in lower-wage countries may be exploited with poor working conditions or inadequate compensation. The Rana Plaza disaster in Bangladesh in 2013, which killed over 1,100 garment workers, is a stark reminder of the exploitation that can occur in global supply chains. Companies like Walmart and H&M had their products manufactured in the Rana Plaza factory, sparking global outrage and highlighting the risks faced by workers in low-cost production hubs. -/- Additionally, labor rights and standards vary significantly between countries. In developed economies, labor laws and worker protections tend to be stronger, while in developing nations, workers often face exploitation, unsafe working conditions, and lack of benefits. This discrepancy has raised ethical concerns about the treatment of workers in global supply chains, especially in industries like textiles, electronics, and agriculture. For instance, in Apple’s supply chain, there have been reports of workers facing harsh conditions and long hours at factories in China, leading to calls for reform and greater transparency. -/- Addressing the Challenges of Labor Supply Globalization -/- To mitigate the negative effects of labor supply globalization, it is essential to implement policies that promote fair wages, worker rights, and social protections. Governments and international organizations must work together to ensure that workers in all countries, regardless of their location or industry, are afforded basic labor rights and protections. For example, the International Labour Organization (ILO) has established global labor standards to improve working conditions and protect workers’ rights worldwide. These standards aim to ensure fair wages, safety, and decent working conditions for workers in all sectors. -/- One potential solution is the establishment of global labor standards that set minimum requirements for wages, working conditions, and benefits for workers in all countries. International agreements and treaties could help ensure that workers in lower-income countries are not subject to exploitation, and that companies that benefit from globalization are held accountable for the welfare of their employees. Additionally, businesses must embrace corporate social responsibility (CSR), ensuring that their supply chains adhere to ethical labor practices and contribute to local economic development. For example, companies like Patagonia and Fair Trade USA have committed to ethical sourcing practices, ensuring that workers in their supply chains are treated fairly and paid a living wage. -/- Another solution involves supporting workers who may face job displacement due to outsourcing or automation. Governments can invest in education and retraining programs, enabling workers to acquire new skills that are in demand in the global economy. For example, the European Union has invested in programs that retrain workers in sectors like manufacturing and coal mining, helping them transition to new jobs in renewable energy and technology. By providing access to lifelong learning and career development, workers can better adapt to changing job markets and enhance their employability. -/- Conclusion -/- Labor supply globalization is a defining feature of the modern world, reshaping how businesses operate and how workers engage with the global economy. It has brought about opportunities for economic growth, poverty reduction, and increased efficiency. However, it has also introduced significant challenges, including wage inequality, job insecurity, and labor exploitation. To ensure that the benefits of labor globalization are shared equitably, governments, businesses, and international organizations must take proactive steps to address these issues. By promoting fair labor practices, protecting workers’ rights, and investing in education and retraining, we can create a more inclusive and sustainable global labor market. -/- . (shrink)

A Balanced Economic Model: The Feedback Loop Between Public and Private Sectors with MMT as a Stabilizing Mechanism -/- Introduction -/- Modern capitalism thrives on competition, profit motives, and consumer demand. However, the system is flawed because it allows extreme wealth inequality, market instability, and frequent economic crashes. Advertising, as an essential part of capitalism, manipulates consumer behavior to sustain profits. While this fuels economic growth, it also distorts the real needs of society. -/- A better alternative Is a hybrid (...) economic model where government-created jobs, social safety nets, and free public services coexist with a profit-driven private sector. The key to making this work is a feedback loop mechanism that keeps the two sectors balanced, ensuring economic stability while preventing extreme inequality and unnecessary market collapses. This essay explores how Modern Monetary Theory (MMT) can support this feedback loop economy to create a self-regulating system where both public and private sectors benefit from each other. -/- I. The Feedback Loop Between Private Companies and Government Economic Policies -/- A feedback loop mechanism is a self-regulating system where different components interact, adjust, and respond to maintain balance. In the economy, the public sector (government jobs, social safety nets, and public services) and the private sector (businesses, investments, and free markets) create a mutual dependency: -/- 1. Government Spending Creates Consumer Demand → Private Sector Growth -/- Government creates jobs with good salaries in infrastructure, education, healthcare, and technology. -/- This injects money into the economy, giving people the purchasing power to buy goods and services from private companies. -/- As demand increases, businesses grow, hire more workers, and expand operations. -/- 2. Private Sector Growth → Increases Government Revenue Without High Taxation -/- As private companies generate profits, they pay taxes and reinvest in expansion. -/- Strong consumer demand reduces the need for excessive taxation because economic growth itself funds public programs. -/- Businesses compete not only for profits but also for innovation and efficiency. -/- 3. Social Safety Nets Prevent Market Collapses -/- During recessions, government stabilizes the economy by expanding social programs (unemployment benefits, food assistance, healthcare). -/- This prevents demand from crashing, ensuring that businesses still have customers even in economic downturns. -/- As the economy recovers, government reduces spending, allowing the private sector to take the lead again. -/- This dynamic cycle ensures that economic booms and recessions are smoothed out, preventing extreme market crashes or mass unemployment. -/- II. The Role of MMT in Supporting the Feedback Loop -/- Modern Monetary Theory (MMT) provides the economic foundation for this model by proving that a sovereign government can spend money without being constrained by traditional budget rules. Unlike mainstream economic thinking, which suggests that governments must “balance the budget,” MMT argues that government spending should adjust based on economic conditions. -/- 1. Government-Backed Job Programs as an Economic Stabilizer -/- MMT allows governments to fund public jobs without relying solely on taxation. -/- If private companies cut jobs, the government can expand its workforce to absorb the unemployed. -/- When the economy stabilizes, people move back to higher-paying private jobs, reducing government spending. -/- 2. Preventing Inflation Through Resource Control -/- MMT acknowledges that inflation happens when there’s too much money chasing too few goods. -/- The government can remove excess money through targeted taxation and invest in productivity (e.g., infrastructure, education) to keep supply stable. -/- This prevents excessive inflation while keeping the economy growing. -/- 3. Continuous Money Circulation Without Debt Crises -/- Governments can print money to fund essential services, but they control inflation by investing in real production capacity (e.g., factories, renewable energy, technology). -/- This means public investment directly benefits private businesses, keeping both sectors in sync. -/- This MMT-backed feedback loop ensures that economic downturns do not lead to catastrophic business failures or mass unemployment. -/- III. The Role of Advertising in a Balanced Economic System -/- Advertising, while necessary for businesses, often manipulates consumer behavior in a way that creates artificial demand. In a feedback loop economy, advertising should be regulated to align with real consumer needs rather than exploiting psychological weaknesses. -/- 1. Ethical Advertising Policies -/- Companies should be incentivized to market based on quality and innovation rather than manipulation. -/- False advertising and monopolistic dominance should be regulated to prevent consumer exploitation. -/- 2. Consumer Education Programs -/- Public education should include critical thinking courses to help people make informed purchasing decisions. -/- This reduces the influence of manipulative advertising, ensuring that businesses compete fairly. -/- This ensures that the feedback loop remains healthy, preventing unnecessary overproduction and unsustainable consumer debt. -/- IV. Real-World Examples of a Balanced System -/- Some countries have successfully implemented elements of this feedback loop economic model: -/- Nordic Countries (Sweden, Norway, Denmark, Finland) -/- Have free healthcare, education, and social safety nets while maintaining a competitive private sector. -/- Use progressive taxation to prevent extreme inequality, ensuring that economic growth benefits everyone. -/- Germany -/- Uses government-backed vocational training programs to ensure a highly skilled workforce. -/- Strong public-private partnerships help both sectors support each other dynamically. -/- Japan -/- Government plays a major role in funding research, infrastructure, and innovation, allowing private businesses to thrive. -/- Uses state-owned enterprises strategically while ensuring a competitive private market. -/- These examples prove that a properly managed hybrid model is more resilient, fair, and stable than extreme capitalism or extreme socialism. -/- V. Conclusion: A Self-Regulating Economy for the Future -/- A feedback loop economic system provides the best of both worlds: ✔ Government ensures economic stability through public job creation and social safety nets. ✔ Private companies drive innovation and competitiveness with strong consumer demand. ✔ MMT allows government spending to adjust dynamically without unnecessary austerity measures. ✔ Advertising is reformed to encourage ethical business practices and informed consumer choices. ✔ Inflation is controlled through taxation, investment, and resource management. -/- By integrating these feedback loop mechanisms, we can create a self-regulating economic model where both public and private sectors reinforce each other, ensuring long-term stability, prosperity, and economic fairness. -/- Policy Framework for a Balanced Economic System: Global Best Practices -/- To fully integrate the feedback loop mechanism between the public and private sectors, specific policies must be implemented to ensure economic stability, innovation, and fairness. Below are real-world policy examples that demonstrate how different countries successfully manage their economies using a mix of government intervention and free market principles. -/- I. Public Job Creation as an Economic Stabilizer -/- One of the biggest issues in capitalism is economic recessions leading to mass layoffs, which then reduce consumer spending, creating a vicious cycle of economic decline. The solution is public sector job programs that absorb unemployed workers during downturns and allow them to transition back to private jobs when the economy improves. -/- Global Examples -/- ✔ United States (New Deal Programs – 1930s) -/- During the Great Depression, the U.S. government created millions of jobs in construction, public works, and conservation projects. -/- These projects boosted infrastructure while providing employment, helping to revive the economy. -/- ✔ Argentina’s Jefes de Hogar Program (2002-2006) -/- Aimed at mitigating mass unemployment during Argentina’s economic crisis. -/- The government hired unemployed citizens to work in community service, infrastructure, and public health projects. -/- Created social stability and demand for private goods, helping Argentina recover. -/- ✔ Germany’s Kurzarbeit Program (Ongoing) -/- In times of economic slowdown, the German government pays companies to keep workers employed at reduced hours rather than laying them off. -/- This prevents mass unemployment, ensuring that workers still have income and spending power. -/- Policy Recommendation: → Implement automatic public employment programs during recessions to keep demand stable and prevent economic crashes. -/- II. Social Safety Nets to Support Consumer Demand -/- A strong social safety net ensures that consumers have purchasing power even in economic downturns, keeping the private sector stable. -/- Global Examples -/- ✔ Nordic Model (Denmark, Sweden, Norway, Finland) -/- Provides free healthcare, education, and unemployment benefits, preventing extreme poverty. -/- Funded through progressive taxation, ensuring that the wealthy contribute fairly to society. -/- This creates a stable consumer base for private companies, benefiting the entire economy. -/- ✔ Universal Basic Income (UBI) Experiments (Finland, Canada, Kenya) -/- Finland tested a UBI program where unemployed citizens received a monthly payment regardless of employment status. -/- Results showed that recipients were more likely to start businesses and find better jobs, proving that social safety nets do not reduce work incentives. -/- ✔ Singapore’s Housing and Retirement System -/- The government helps citizens buy homes with public funds, ensuring stable housing. -/- A mandatory retirement savings system (Central Provident Fund) ensures that people have money after they retire. -/- These policies reduce financial anxiety, allowing people to focus on entrepreneurship and economic growth. -/- Policy Recommendation: → Implement universal healthcare, free education, and unemployment benefits to ensure that economic downturns do not collapse consumer spending. -/- III. Regulating Advertising to Align with Consumer Needs -/- Unregulated advertising manipulates consumer behavior, creating unnecessary demand and overconsumption, which destabilizes economies. Governments can regulate advertising to ensure ethical business practices. -/- Global Examples -/- ✔ European Union (Strict Advertising Laws) -/- The EU bans false advertising, ensuring that companies cannot make misleading claims about their products. -/- Certain junk food and alcohol ads are restricted to protect public health. -/- ✔ France’s Ban on Child-Targeted Advertising -/- Prevents unethical marketing towards children, reducing unnecessary consumerism. -/- ✔ Japan’s Culture of Product Quality Over Hype -/- Japanese companies emphasize product reliability and long-term value, reducing dependence on manipulative advertising. -/- Policy Recommendation: → Implement ethical advertising regulations to prevent false marketing, predatory ads targeting vulnerable consumers, and excessive consumer debt. -/- IV. Public-Private Partnerships for Innovation and Infrastructure -/- Rather than treating the government and private sector as separate entities, a well-balanced system interconnects them through public-private partnerships (PPPs) to drive innovation. -/- Global Examples -/- ✔ Germany’s Mittelstand Model (SME Support System) -/- The German government provides long-term financial support to small and medium-sized enterprises (SMEs), which are the backbone of the economy. -/- Ensures that private businesses have stable growth without excessive corporate monopolies. -/- ✔ China’s State-Led Economic Model (Strategic Government Investments) -/- The government invests heavily in infrastructure and technology, allowing private businesses to thrive with low-cost logistics and energy. -/- Balances capitalist competition with government support, ensuring stability. -/- ✔ United States (NASA & SpaceX Collaboration) -/- NASA funded SpaceX and other private space companies, leading to rapid innovation in space technology. -/- This proves that government funding can accelerate private sector breakthroughs. -/- Policy Recommendation: → Use government funding to support innovation and long-term infrastructure projects while allowing private businesses to benefit and expand. -/- V. MMT as a Tool for Economic Stability -/- Traditional economic models suggest that governments must “balance their budgets” like households, but this is a flawed concept. Modern Monetary Theory (MMT) argues that sovereign nations with their own currency (like the U.S., Japan, and the UK) can create money to fund essential services without relying on debt from private banks. -/- How MMT Works in Practice -/- ✔ Japan’s National Debt Strategy -/- Japan has one of the highest debt-to-GDP ratios in the world, yet it has no financial crisis because it borrows in its own currency. -/- Instead of austerity, Japan uses public investment to maintain economic stability. -/- ✔ U.S. Stimulus During COVID-19 -/- The U.S. government printed money to send direct payments to citizens, preventing a total economic collapse. -/- Inflation was controlled by adjusting taxation and investment in production capacity. -/- ✔ EU’s Post-COVID Recovery Fund -/- The European Union used public money to stabilize industries and workers, preventing extreme recessions. -/- Policy Recommendation: → Use MMT-based strategies to fund infrastructure, social programs, and innovation, ensuring economic stability without excessive reliance on private banking debt. -/- VI. Conclusion: Creating a Self-Regulating Economy -/- A feedback loop economy that integrates public job creation, private sector competition, social safety nets, and MMT-backed fiscal policies provides a self-regulating system that ensures: -/- ✔ Stable employment and consumer demand even during economic downturns. ✔ Innovation and competition in the private sector without excessive monopolies or market crashes. ✔ Government-funded infrastructure and social programs that benefit both workers and businesses. ✔ Ethical advertising that prevents consumer exploitation and unnecessary debt. ✔ Balanced inflation control through strategic taxation and investment. -/- By combining the best policies from different global models, we can build an economic system that minimizes business bankruptcies, prevents recessions, and maximizes innovation and economic fairness. -/- . (shrink)

The Holistic Governance Model (HGM): A Blueprint for the Future -/- Introduction -/- Governments today face increasing challenges, from economic instability and climate change to corruption and social inequality. No single government system has fully solved these issues, but by integrating the best aspects of existing models, we can create an optimal governance system. -/- The Holistic Governance Model (HGM) is a hybrid system that combines elements from Social Democracy, Technocracy, Semi-Direct Democracy, China’s Whole-Process People’s Democracy, and the Modified Westminster (...) System. It leverages AI-driven policy-making, technocratic expertise, direct citizen participation, and long-term national planning to create a balanced, efficient, and just government system. -/- 1. Core Foundations of the Holistic Governance Model -/- The HGM is built on six fundamental pillars, ensuring that governance is efficient, democratic, and sustainable. -/- 1.1. Economic System: A Hybrid of Capitalism and State Planning -/- Inspired by: Singapore (Technocracy), China (State-Controlled Development), Nordic Model (Social Welfare), and Switzerland (Financial Stability) ✅ Key Industries Under State Control: The government regulates healthcare, energy, and transportation while allowing free-market innovation. ✅ Smart Capitalism: Entrepreneurs and businesses thrive, but AI-driven economic planning ensures fair wealth distribution. ✅ Universal Basic Assets (UBA): Instead of universal basic income (UBI), citizens receive free housing, education, and healthcare, ensuring financial security. ✅ AI-Assisted Economy: AI predicts recessions, optimizes budgets, and prevents financial crises. -/- 1.2. Political System: A Dynamic Semi-Direct Democracy -/- Inspired by: Switzerland (Direct Democracy), Westminster System (Parliament), and Singapore (Meritocratic Leadership) ✅ Two-Tier Voting System: -/- General Elections: Citizens vote for representatives every 4-5 years. -/- National Referendums: Citizens directly vote on major policies twice a year. ✅ Technocratic Advisory Board (TAB): A non-political panel of scientists, economists, and AI experts advises the government. ✅ Decentralized Local Governance: Cities and regions have autonomy while aligning with national laws. -/- 1.3. Education & Human Development: AI-Powered Lifelong Learning -/- Inspired by: Nordic Model (Free Education), Singapore (STEM Focus), and China (AI Integration) ✅ Free Public Education for Life: Every citizen has access to continuous learning, including college and skill retraining. ✅ AI-Based Personalized Learning: Students use AI tutors that adapt to their learning pace. ✅ Ethics & Critical Thinking Curriculum: Courses in philosophy, logic, and decision-making prevent misinformation and ignorance. -/- 1.4. Healthcare & Social Welfare: AI-Driven Preventive Medicine -/- Inspired by: Nordic Model (Universal Healthcare), Singapore (Tech-Driven Healthcare), and China (Mass Coverage) ✅ Government-Funded Universal Healthcare: Citizens receive free basic healthcare, with private options available. ✅ AI & Robotics in Medicine: AI diagnoses diseases early, reducing medical costs. ✅ Preventive Healthcare Policy: Citizens receive incentives for maintaining good health (fitness programs, nutrition plans). -/- 1.5. Environmental & Energy Policies: The Green Industrial Revolution -/- Inspired by: China (Renewable Energy Expansion), Nordic Model (Sustainability Laws), and Singapore (Urban Planning) ✅ Mandatory Green Technology Adoption: Businesses must comply with strict eco-friendly policies. ✅ Carbon Credit Economy: Citizens and companies earn rewards for reducing carbon footprints. ✅ 100% Renewable Energy by 2050: The government funds solar, wind, and AI-optimized energy grids. -/- 1.6. Law & Order: AI-Governed Justice & Anti-Corruption Measures -/- Inspired by: Switzerland (Independent Judiciary), Singapore (Strict Law Enforcement), and China (AI in Governance) ✅ AI-Assisted Judiciary: AI helps judges analyze case laws for fair, unbiased rulings. ✅ Zero-Corruption Policy: Public officials caught in corruption face lifetime bans from government service. ✅ Balanced Civil Rights & Security: -/- Freedom of Speech: Citizens can express opinions, but disinformation is regulated. -/- AI Surveillance for Security: AI prevents crime while protecting privacy. -/- 2. Government Structure of HGM -/- 2.1. Executive Branch: The President, Prime Minister, and Technocrats -/- President (Elected by Public Vote) → Oversees national policies and international relations. -/- Prime Minister (Elected by Parliament) → Manages daily governance. -/- Technocratic Economic Council → Expert-led economic planning. -/- AI-Assisted Policy Bureau → Uses AI for healthcare, infrastructure, and environmental policies. -/- 2.2. Legislative Branch: Semi-Direct Parliament -/- Lower House (Elected Officials) → Creates laws based on citizen participation. -/- Upper House (Experts & Regional Representatives) → Reviews laws for scientific and ethical validity. -/- Referendum System → Citizens directly vote on key national issues. -/- 2.3. Judicial Branch: AI-Assisted Supreme Court -/- Independent Court System → Ensures justice and constitutional balance. -/- AI Legal Analysis → AI helps judges analyze previous cases and evidence. -/- 3. Implementation Strategy: How to Apply HGM Worldwide -/- To implement HGM, a phased approach is needed: -/- Phase 1 (0-5 Years): Research & AI Integration -/- ✅ Establish an HGM Global Research Center to develop AI governance models. ✅ Pilot AI-assisted economic planning in select countries. -/- Phase 2 (5-10 Years): Education & Public Awareness -/- ✅ Introduce HGM-based education systems (critical thinking, AI governance). ✅ Encourage political reforms to adopt hybrid governance models. -/- Phase 3 (10-20 Years): Nationwide Policy Implementation -/- ✅ Countries gradually adopt the HGM framework, with AI monitoring national progress. ✅ Global partnerships for climate change action and digital economy growth. -/- Phase 4 (Beyond 20 Years): Global Standardization -/- ✅ Establish an HGM Alliance for international cooperation. ✅ Implement AI-driven global policies on poverty, sustainability, and digital rights. -/- 4. Why the HGM is the Future of Governance -/- The Holistic Governance Model (HGM) offers the most advanced, efficient, and democratic government system by combining AI governance, citizen participation, economic stability, and social equality. -/- Conclusion: A Government System for the 21st Century -/- The Holistic Governance Model (HGM) combines the best government systems into a single, optimized model. By implementing AI, technocracy, direct democracy, and long-term planning, HGM ensures: ✅ Efficient economic management ✅ Social equality without excessive taxation ✅ Democratic participation with AI-driven transparency ✅ Sustainable environmental policies ✅ Corruption-free governance -/- If adopted globally, HGM could transform human civilization into a more just, advanced, and sustainable society. -/- . (shrink)

Applying Modern Monetary Theory to the Philippines: Achieving Economic Balance Through Natural Laws -/- Introduction -/- The Philippines faces persistent economic challenges, including slow GDP growth, high income inequality, inflationary pressures, and overpopulation. Traditional economic policies often focus on austerity, borrowing limits, and foreign investments, but these approaches fail to address the root causes of economic imbalance. -/- Modern Monetary Theory (MMT) offers an alternative by allowing the government to issue money to finance public spending without relying on foreign debt (...) or excessive taxation. However, to prevent inflation and ensure long-term stability, government spending must be directed toward productive investments. This aligns with my universal formula, which is based on the universal law of balance in nature—ensuring that all systems, including economic ones, function without defects. -/- By integrating MMT with GDP growth, GDP per capita, the Gini coefficient (income equality), population regulation, and good governance, the Philippines can achieve sustainable economic progress while maintaining balance. -/- The Role of a Good and Non-Corrupt Government in Implementing MMT -/- MMT gives governments the power to create money, making it an incredibly powerful tool—but also a dangerous one if misused. A corrupt government can misallocate funds, cause hyperinflation, and worsen inequality. Therefore, strong leadership, transparency, and accountability are essential for MMT to work. -/- Eliminating corruption ensures that newly created money is invested in productive sectors rather than being stolen or wasted. -/- Strict financial oversight and independent institutions must monitor government spending. -/- A well-structured economic plan, free from political interests, must be followed to ensure MMT benefits all Filipinos, not just the elite. -/- If MMT is implemented by a corrupt government, it will only lead to inflation, economic collapse, and further inequality. The law of karma teaches that every action has consequences—if government spending is abused, the entire economy will suffer. -/- Using MMT to Increase the Philippines’ GDP Without Inflation -/- 1. Infrastructure Development -/- The Philippines suffers from poor infrastructure, leading to high transportation and electricity costs. Government investment in roads, ports, and energy projects would improve economic efficiency, reducing production costs and increasing business competitiveness. -/- The government can print money under MMT to fund major infrastructure projects, provided the projects enhance productivity. -/- Improved infrastructure will increase GDP by facilitating trade, reducing delays, and boosting industrial growth. -/- With proper planning, this investment will not cause inflation because it adds real value to the economy. -/- However, for infrastructure spending to be effective, the government must eliminate corruption in project implementation. Ghost projects, overpricing, and political kickbacks will waste public money and increase inflation without creating real economic value. -/- 2. Investing in Renewable Energy -/- The Philippines relies heavily on imported fossil fuels, making it vulnerable to price fluctuations. A shift toward solar, wind, and geothermal energy would: -/- Reduce long-term electricity costs, helping businesses expand without raising prices. -/- Make the country energy independent, lowering the need for foreign currency reserves. -/- Increase GDP by creating green energy jobs and technological innovations. -/- A good government will prioritize long-term energy security over short-term political interests. Corrupt officials, however, may block renewable energy projects in favor of profit-driven deals with fossil fuel industries, preventing the country from achieving energy independence. -/- 3. Expanding Manufacturing and Industrialization -/- The Philippine economy is heavily dependent on services (such as BPOs) and overseas remittances. To create long-term stability, the country must expand its manufacturing sector. -/- Government spending should prioritize local industries, such as electronics, semiconductors, and agribusiness processing. -/- Subsidies and incentives should be given to businesses that create jobs and produce high-value goods. -/- Export-oriented manufacturing would increase GDP while keeping money circulation within productive sectors, preventing inflation. -/- A corrupt government, however, may award subsidies and contracts based on political favors rather than economic merit, leading to inefficiency and wasted resources. A good and competent government will ensure that industrial policies are based on merit, efficiency, and long-term economic benefits. -/- 4. Research, Innovation, and Digital Transformation -/- Government investment in science, technology, and artificial intelligence (AI) would drive sustainable economic growth. -/- A national AI and automation strategy can improve industries such as agriculture, logistics, and healthcare, leading to higher GDP. -/- Government-funded research and technology parks can support Filipino startups and entrepreneurs. -/- This will help the country move from a consumer-driven economy to a technology and knowledge-based economy, increasing long-term wealth. -/- Without strong governance and anti-corruption measures, however, research funding may be misused, misallocated, or given to unqualified individuals. The universal law of balance requires that public resources be managed efficiently and fairly to maximize their benefits. -/- GDP Per Capita: Ensuring Growth Benefits Every Filipino -/- While GDP growth is important, it must translate to real improvements in people’s lives. A high GDP with a rapidly growing population leads to a lower GDP per capita, keeping the majority poor. -/- Government policies must regulate population growth through education and family planning. -/- Higher GDP per capita ensures that public investments in healthcare, education, and housing can meet the needs of citizens. -/- A well-balanced population ensures that economic growth does not lead to overconsumption of resources. -/- The Gini Coefficient: Reducing Income Inequality in the Philippines -/- The Philippines has one of the highest income inequality rates in Southeast Asia. The Gini coefficient reveals that wealth is concentrated in the hands of a few, while many struggle to survive. -/- MMT can be used to: -/- Fund free quality education and vocational training, allowing Filipinos to get better-paying jobs. -/- Provide universal healthcare, ensuring that people are not trapped in poverty due to medical expenses. -/- Invest in affordable housing and social safety nets for vulnerable populations. -/- Without addressing inequality, economic growth will only benefit the elite, leading to social unrest and instability. However, corrupt leaders often resist wealth redistribution because they benefit from maintaining economic inequality. A non-corrupt government is necessary to ensure fair wealth distribution. -/- Ensuring MMT Aligns with the Universal Law of Balance -/- The Philippines must apply MMT carefully to prevent economic imbalance. Simply printing money without strategic allocation will lead to inflation and instability. -/- Strict anti-corruption policies must be enforced to ensure MMT is used only for productive investments. -/- Public funds should be managed transparently, with regular audits and independent oversight. -/- Government leaders must be held accountable for economic decisions, ensuring they act in the best interest of all Filipinos. -/- A corrupt and incompetent government will lead to economic collapse under MMT, while a good, disciplined, and visionary government can use it to create lasting prosperity and stability. -/- Conclusion -/- Modern Monetary Theory, when properly applied, aligns with the universal law of balance in nature by ensuring that economic systems function without defects. The Philippines can use MMT to: -/- Increase GDP by investing in infrastructure, renewable energy, and industrialization. -/- Ensure GDP per capita growth by regulating population and creating sustainable jobs. -/- Reduce income inequality through education, healthcare, and wealth redistribution. -/- Maintain economic balance by applying feedback mechanisms such as taxation, productivity growth, and responsible government spending. -/- However, MMT requires a government that is competent, transparent, and corruption-free. Without ethical leadership, MMT will be abused and lead to inflation, economic collapse, and inequality. The law of balance demands that all systems—including governance—function properly to achieve economic stability. -/- By ensuring good governance, economic discipline, and strategic spending, the Philippines can use MMT to build a just, prosperous, and balanced society. -/- . (shrink)

Achieving Sustainable Population Management Through Economic Growth and Replacement Fertility -/- Introduction -/- Population management is a crucial challenge in today’s world. Some countries face overpopulation, which strains resources, infrastructure, and economic growth. Others experience depopulation, leading to labor shortages, economic decline, and social instability. The correct approach depends on a country’s current demographic and economic status. -/- Overpopulated countries must first decrease their population to a sustainable level while achieving high GDP per capita before considering replacement fertility. -/- Depopulating (...) countries must stabilize their population at a sustainable level before transitioning to replacement fertility to prevent economic collapse. -/- This essay examines the causes and consequences of overpopulation and depopulation, providing case studies and solutions to achieve sustainable population levels. -/- The Challenges of Overpopulation -/- Overpopulation occurs when a country’s population exceeds the available resources, infrastructure, and economic capacity, leading to several issues: -/- 1. Resource Depletion – High demand for food, water, land, and energy causes shortages and environmental destruction. -/- 2. Economic Struggles – When job creation and infrastructure growth fail to match population increase, unemployment and poverty rise. -/- 3. Environmental Degradation – Overpopulation accelerates climate change, deforestation, and pollution. -/- 4. Overburdened Public Services – Governments struggle to provide adequate healthcare, education, and housing. -/- 5. Social Instability – Overcrowded cities and high competition for resources lead to crime, protests, and political unrest. -/- Case Studies: Overpopulated Countries -/- India (1.4 billion, fertility rate ~2.0) – Struggles with water shortages, traffic congestion, and high unemployment. -/- Bangladesh (170 million, fertility rate ~2.1) – One of the most densely populated countries, facing flooding, land shortages, and slums. -/- Nigeria (223 million, fertility rate ~5.3) – Rapid growth threatens food security, job opportunities, and deforestation. -/- Philippines (114 million, fertility rate ~1.9) – Faces urban congestion, limited land space, and housing crises. -/- Pakistan (240 million, fertility rate ~3.5) – Struggles with energy shortages, poor healthcare, and rising poverty. -/- The Correct Approach for Overpopulated Countries -/- Overpopulated nations must not immediately adopt replacement fertility (2.1 children per woman) because their population is already too large. Instead, they should: -/- 1. Reduce Population to a Manageable Level -/- Implement family planning programs and education initiatives to encourage lower birth rates. -/- Set fertility targets below 2.1 (e.g., 1.5 to 1.8) to gradually reduce population size. -/- Offer economic incentives for smaller families, such as tax benefits and free contraceptives. -/- 2. Strengthen Economic Growth and Increase GDP Per Capita -/- Invest in technology, high-value industries, and education to improve productivity. -/- Develop smart urban planning to reduce congestion and improve living conditions. -/- Ensure fair wages and social safety nets to prevent extreme poverty. -/- 3. Stabilize at Replacement Fertility After Achieving Balance -/- Once population levels become sustainable, shift to replacement fertility (2.1 children per woman) to prevent economic decline. -/- Encourage sustainable urbanization and green technologies to manage resources efficiently. -/- Without these measures, overpopulated countries will continue to struggle with worsening poverty, environmental destruction, and declining quality of life. -/- The Risks of Depopulation -/- While overpopulation creates challenges, depopulation also presents significant risks: -/- 1. Economic Decline – Fewer workers result in lower productivity, labor shortages, and reduced economic growth. -/- 2. Aging Populations – Fewer young people mean fewer taxpayers to support healthcare and pensions. -/- 3. Urban and Rural Decay – Population decline leads to abandoned homes, closed schools, and stagnation. -/- 4. Loss of Global Influence – Countries with shrinking populations lose economic and political power. -/- Case Studies: Depopulating Countries -/- Japan (125 million, fertility rate ~1.3) – The world’s most rapidly aging nation, relying on robotics and automation. -/- South Korea (51 million, fertility rate ~0.78) – Facing a severe birth rate crisis, threatening long-term economic stability. -/- Italy (59 million, fertility rate ~1.2) – Experiencing rural depopulation, with entire villages abandoned. -/- Germany (84 million, fertility rate ~1.4) – Uses immigration to sustain its economy but still faces a shrinking workforce. -/- China (1.4 billion, fertility rate ~1.2) – After the one-child policy, it now struggles with a declining labor force. -/- Are Depopulating Countries on the Right Path? -/- Some depopulating countries have adapted well, while others face long-term crises. -/- Countries Handling Depopulation Effectively -/- Germany – Uses skilled immigration and robotics to compensate for labor shortages. -/- Japan – Invests in automation and AI to maintain productivity despite an aging population. -/- Canada – Encourages high-skilled immigration to offset declining birth rates. -/- Countries Struggling with Depopulation -/- South Korea – Despite incentives like cash rewards and tax breaks for families, birth rates remain low. -/- Italy – Rural areas are becoming ghost towns, with little government intervention. -/- China – Ending the one-child policy has not significantly increased birth rates. -/- These countries must stabilize their population before adopting replacement fertility (2.1 children per woman) to avoid economic collapse. -/- The Correct Approach for Depopulating Countries -/- Depopulating nations should not immediately aim for replacement fertility. Instead, they must: -/- 1. First Reach a Sustainable Population Level -/- If a country’s population is declining too quickly, stabilizing at 2.1 fertility too soon will not fix the economy. -/- Governments should aim for fertility rates between 1.6 and 1.9 before transitioning to 2.1. -/- 2. Encourage Higher Fertility Gradually -/- Offer childcare subsidies, free education, and paid parental leave to make parenting more affordable. -/- Promote work-life balance so families can afford more children. -/- 3. Use Immigration to Stabilize Workforce Levels -/- Countries like Germany and Canada use skilled immigration to maintain their economies. -/- Immigration policies should attract workers in high-demand industries. -/- 4. Invest in Automation and AI -/- Japan and South Korea are leading in robotics to replace human labor shortages. -/- Automation ensures productivity remains stable, even with fewer workers. -/- By following these steps, depopulating nations can create a balanced, self-sustaining economy before adopting replacement fertility. -/- Conclusion: Achieving Population Balance for Long-Term Sustainability -/- The correct population strategy depends on a country’s demographic situation: -/- Overpopulated countries must first reduce their population and achieve high GDP per capita before stabilizing at replacement fertility. -/- Depopulating countries must first stabilize their population before transitioning to replacement fertility. -/- This approach aligns with the universal law of balance, ensuring that societies do not suffer from excessive resource depletion or economic collapse. Overpopulation and depopulation are both extreme imbalances—countries must find the middle ground for long-term prosperity. -/- By implementing these strategies, nations can build a future where economic growth, resource management, and population levels are harmonized for sustainable development. -/- . (shrink)

The Dangers of Living in an Unsafe Community: Causes, Effects, and Comprehensive Government Solutions -/- The environment in which a person lives significantly impacts their well-being, security, and future opportunities. Staying in a community with dangerous individuals—such as criminals, violent gangs, or those engaging in unethical behavior—poses serious risks. While some people may have no choice due to financial or personal circumstances, it is always advisable to seek a safer environment whenever possible. This essay explores the causes of unsafe communities, (...) their negative effects, and a comprehensive government-led approach to solving these issues, including the importance of urban planning, housing development in slum areas, and family planning programs to prevent overcrowding. -/- Causes of Unsafe Communities -/- Several factors contribute to the existence of dangerous communities. These include economic instability, lack of education, weak law enforcement, poor urban planning, social inequality, and overpopulation. -/- 1. Poverty and Unemployment -/- One of the main causes of crime in a community is poverty. When individuals lack access to stable jobs, they may resort to illegal activities such as theft, drug dealing, or organized crime to survive. -/- For example, in Venezuela, the economic crisis has forced many people into criminal activities as a means of survival. In cities like Caracas, robbery, kidnapping, and gang-related violence have increased due to extreme poverty and lack of job opportunities. -/- 2. Lack of Education -/- Poor education systems can contribute to crime by limiting opportunities for young people. Without access to quality education, individuals may struggle to find legal employment and turn to crime as an alternative. -/- In Nigeria, for instance, many youths in underdeveloped regions receive little to no formal education, increasing the likelihood of recruitment into terrorist groups like Boko Haram, which exploits uneducated and unemployed individuals for violent activities. -/- 3. Weak Law Enforcement -/- In many high-crime areas, law enforcement is either ineffective, corrupt, or underfunded. When police presence is weak, criminals feel emboldened to continue illegal activities without fear of consequences. -/- A notable example is Mexico, where drug cartels control entire towns due to weak law enforcement. In places like Guerrero and Sinaloa, police officers are often either bribed or threatened into ignoring cartel activities, allowing crime to thrive. -/- 4. Poor Urban Planning and Slums -/- Lack of proper urban planning leads to the growth of slums—densely populated, unregulated settlements where living conditions are poor. These areas often lack basic infrastructure such as clean water, sanitation, and proper roads, creating an environment where crime can flourish. -/- For example, in Mumbai, India, slum areas like Dharavi are overcrowded, with families living in small, poorly constructed homes. The lack of proper planning has led to high crime rates, including illegal drug trade and violence. -/- In Kenya, the Kibera slum in Nairobi is one of Africa’s largest slums. Due to limited government intervention, residents struggle with extreme poverty, making them vulnerable to criminal organizations and illegal activities. -/- 5. Overpopulation and Lack of Family Planning -/- Uncontrolled population growth, especially in urban areas, leads to overcrowding, resource depletion, and increased poverty. Without proper family planning programs, families may have more children than they can support, worsening economic struggles and increasing crime rates. -/- For example, in Metro Manila, Philippines, rapid population growth has led to extreme congestion, lack of affordable housing, and growing informal settlements. Overcrowding puts pressure on public services, making it difficult to provide jobs, healthcare, and education to all residents. -/- Effects of Living in an Unsafe Community -/- 1. Physical Safety Risks -/- One of the most immediate dangers of living in a high-risk community is the threat to personal safety. -/- For example, in Chicago, USA, gang-related violence has made it dangerous for residents to walk outside even in broad daylight. -/- 2. Mental and Emotional Stress -/- Living in an unsafe environment can cause severe mental health problems such as anxiety, depression, and post-traumatic stress disorder (PTSD). -/- A st’dy in Detroit, USA, found that children growing up in high-crime areas often experience PTSD similar to that seen in war veterans. -/- 3. Limited Opportunities for Growth -/- Dangerous communities often struggle with economic and social instability. -/- For example, in Detroit, the decline of industry and rise in crime rates have left many neighborhoods economically devastated. -/- Comprehensive Government Solutions -/- To solve the problem of unsafe communities, governments must implement a multifaceted approach that addresses the root causes of crime while ensuring long-term stability. This requires economic investment, improved education, stronger law enforcement, urban planning, family planning programs, social welfare programs, and community engagement. -/- 1. Urban Planning and Housing for Slum Areas -/- Slum Upgrading Programs -/- Example: In Thailand, the Baan Mankong Housing Program provides slum residents with legal housing rights and funds to upgrade their homes. -/- Affordable Housing Projects -/- Example: Singapore’s Housing Development Board (HDB) successfully provided affordable homes for its citizens, reducing crime and homelessness. -/- Access to Basic Services -/- Example: In Brazil’s favelas, government intervention in providing sanitation and electricity has helped lower crime rates. -/- 2. Family Planning and Population Control -/- Governments must implement family planning programs to control rapid population growth in urban areas. Overpopulation leads to overcrowding, poverty, and strain on public services, which in turn contributes to crime. -/- Government-Sponsored Family Planning Programs -/- Governments should offer free access to contraceptives and family planning education to reduce unplanned pregnancies. -/- Example: Bangladesh’s national family planning program successfully reduced birth rates, easing pressure on urban centers and public services. -/- Sex Education in Schools -/- Educating young people about reproductive health and responsible parenthood helps prevent overpopulation. -/- Example: The Netherlands has one of the lowest teen pregnancy rates due to comprehensive sex education. -/- Economic Incentives for Smaller Families -/- Providing financial benefits to families that have fewer children can encourage responsible parenthood. -/- Example: China’s former one-child policy (although controversial) successfully slowed population growth in urban areas. -/- 3. Economic Development and Job Creation -/- Investment in local businesses -/- Example: In Medellín, Colombia, economic programs and infrastructure investment helped transform the city from one of the most dangerous in the world into a thriving urban center. -/- Vocational training programs -/- Example: Germany’s apprenticeship programs help integrate youth into the workforce, reducing unemployment and crime. -/- 4. Strengthening Law Enforcement and Justice Systems -/- Community policing: -/- Example: Japan’s Koban system (small police stations in neighborhoods) has contributed to its low crime rate. -/- Criminal justice reform: -/- Example: Norway’s prison system, which prioritizes rehabilitation, has one of the lowest recidivism rates in the world. -/- 5. Community Engagement and Grassroots Initiatives -/- Neighborhood watch programs: -/- Example: In London, community-led safety initiatives have helped reduce crime in certain districts. -/- Support for at-risk youth: -/- Example: In Brazil, the government funds Capoeira programs to engage youth in a positive cultural activity instead of gangs. -/- Conclusion -/- Unsafe communities are the result of complex social, economic, and political factors. Poor urban planning, poverty, overpopulation, lack of education, weak law enforcement, and social inequality all contribute to high crime rates. However, governments have the power to create lasting change through a combination of urban planning, family planning, economic investment, educational reform, improved law enforcement, social welfare, and community engagement. -/- By taking a holistic approach, governments can transform unsafe neighborhoods into thriving, secure communities, ensuring a brighter future for all citizens. -/- . 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The Unspoken Truth: A Lifetime of Work for Survival in an Overpopulated and Depopulating World -/- Introduction -/- From childhood, we are taught that education is the key to success. We spend roughly the first 20 years of our lives in school, preparing for an uncertain future. We are encouraged to dream big, pursue careers, and find our passions. However, what no one explicitly tells us is that these 20 years are merely preparation for 50 or more years of working—primarily (...) to earn money and survive. -/- Even more concerning is that while billions of people are trapped in this cycle, the world is facing two opposing population crises: rapid overpopulation in some regions and depopulation in others. Some countries continue to grow unsustainably, straining resources and increasing poverty, while others are shrinking due to low birth rates, creating economic instability. This imbalance leads to serious consequences for individuals, societies, and global economic systems. -/- Why is this truth hidden, and what impact does it have on both individuals and the planet? More importantly, what can be done to create a more sustainable and balanced future? -/- The Hidden Structure of Life’s Journey -/- From an early age, children are encouraged to study hard, get good grades, and secure stable jobs. The education system is designed to instill discipline and knowledge, but it also conditions individuals to follow a structured path that ultimately leads to employment. Society promotes the idea that education provides limitless opportunities, but in reality, most people end up in a cycle of working just to meet basic needs rather than achieving personal fulfillment. -/- The modern economic system is built around productivity and labor. For societies to function, there must be a workforce that sustains industries, businesses, and governments. While work is necessary for survival, it is often framed as a personal achievement rather than a requirement for economic survival. -/- At the same time, the global population is shifting in extreme ways. Some regions, particularly in Africa and South Asia, are experiencing rapid overpopulation, leading to food shortages, high unemployment, and environmental destruction. Meanwhile, countries in East Asia and Europe are experiencing depopulation, where low birth rates and aging populations threaten economic stability. These opposite trends create an unbalanced world, where some struggle with too many people and not enough resources, while others suffer from too few young workers to sustain their economies. -/- Why No One Talks About It -/- These realities—lifelong work, overpopulation, and depopulation—are rarely discussed because they challenge the way society is structured. If young people understood these crises earlier, they might begin to question the fairness of the system too soon. -/- Additionally, governments and businesses benefit from an ever-growing workforce in some regions and technological advancements to replace missing workers in others. Countries with overpopulation encourage growth to sustain their economies, while depopulating nations struggle to balance immigration and automation to replace their shrinking workforce. The truth remains hidden because acknowledging these problems would require rethinking the economic and social structures that rely on population growth. -/- The Crisis of Depopulation: Examples of Countries in Decline -/- While overpopulation is a major concern, some of the world’s most developed countries are experiencing the opposite problem: a declining population. -/- 1. Japan: A Nation of the Elderly -/- Birth Rate: 1.3 births per woman -/- Projected Population Decline: From 125 million today to below 100 million by 2050 -/- Key Issue: Aging population and shrinking workforce -/- Japan has one of the lowest birth rates in the world, leading to a rapidly aging society. The workforce is shrinking, social welfare costs are rising, and economic stagnation is a major concern. Even with immigration and automation, Japan faces economic instability due to a lack of young workers. -/- 2. South Korea: The Lowest Birth Rate in the World -/- Birth Rate: 0.7 births per woman -/- Projected Crisis: Population could be cut in half by 2100 -/- Key Issue: Work culture and high costs of living discourage childbirth -/- South Korea now has the world’s lowest birth rate, mainly due to long working hours, expensive housing, and lack of government support for families. The government has spent billions on policies to encourage childbirth, but the decline continues. With fewer young workers, South Korea could face an economic collapse in the coming decades. -/- 3. Italy: A Dying Population -/- Birth Rate: 1.2 births per woman -/- Projected Population Decline: From 60 million today to 47 million by 2070 -/- Key Issue: Job insecurity and aging workforce -/- Italy has one of Europe’s lowest birth rates. Many young Italians face unstable jobs and financial struggles, making it difficult to start families. Meanwhile, the government faces increasing pressure to support an aging population. -/- 4. Russia: Shrinking Despite Incentives -/- Birth Rate: 1.5 births per woman -/- Projected Population Decline: Losing 500,000 people per year -/- Key Issue: High mortality rates and declining workforce -/- Russia’s population has been declining since the collapse of the Soviet Union. Despite government incentives like financial rewards for having children, the population decline continues. A shrinking workforce threatens long-term economic growth and stability. -/- 5. China: The Aftermath of the One-Child Policy -/- Birth Rate: 1.2 births per woman -/- Projected Population Decline: Expected to fall from 1.4 billion to 800 million by 2100 -/- Key Issue: Fewer young workers to support economic growth -/- China’s one-child policy created a severe gender imbalance and an aging population. Even after relaxing the policy, birth rates remain low due to high education costs, urbanization, and economic uncertainty. This decline threatens China’s future workforce and global economic position. -/- Potential Solutions: Balancing Population and Economy -/- Addressing both overpopulation and depopulation requires different strategies depending on the region. -/- 1. Sustainable Family Planning in Overpopulated Countries -/- Governments should promote education, access to contraception, and economic support for families to control rapid population growth. -/- Countries like India and Nigeria need policies that focus on quality of life rather than population size. -/- 2. Work-Life Balance and Child Support in Depopulating Countries -/- Nations like South Korea and Italy need better childcare support, affordable housing, and flexible work policies to encourage family growth. -/- Reducing job insecurity and providing long-term financial incentives for parents can help slow population decline. -/- 3. Immigration as a Solution for Shrinking Populations -/- Countries experiencing depopulation could welcome skilled immigrants to replenish their workforce. -/- Nations like Canada and Germany have successfully used immigration to sustain their economies. -/- 4. Advancing Automation and Technology -/- AI and robotics can help replace missing workers in depopulating nations. -/- Countries like Japan are investing in robotic caregiving and automated industries to support an aging society. -/- Conclusion -/- The reality that the first 20 years of life are just preparation for 50 or more years of work is a truth that few openly discuss. Even more concerning is that while some parts of the world are overpopulating without considering sustainability, others are depopulating without a clear plan for the future. These trends create serious economic, environmental, and social challenges. -/- The challenge remains: how can we ensure that life is about more than just working to survive in a world of extreme population shifts? While systemic change is a long-term goal, personal awareness, intentional decision-making, and global cooperation can help create a more balanced and sustainable future. -/- . (shrink)

Poverty as a Product of Systemic Failure, Violation of Balance, and Ignorance -/- By: Angelito Enriquez Malicse -/- Introduction -/- Poverty is not merely an economic condition; it is a deeply rooted social issue that stems from systemic failure, violation of balance, and ignorance. While poverty is often viewed as an individual problem, it is, in reality, a consequence of flawed institutions, unsustainable practices, and a lack of proper education. When societies fail to establish equitable systems, disrupt the natural balance (...) of resources, and allow ignorance to thrive, they create conditions where poverty becomes inevitable. This essay explores how these three fundamental factors contribute to the persistence of poverty and how they can be addressed through a more structured and holistic approach. -/- Systemic Failure: The Structural Root of Poverty -/- Poverty does not arise in isolation; it is a direct consequence of systemic failures within economic, political, and social structures. Societies that fail to establish fair economic policies, effective governance, and accessible social services create environments where large portions of the population struggle to meet their basic needs. -/- 1. Corrupt Governance and Wealth Concentration -/- Many governments, particularly in developing nations, misallocate resources due to corruption, leading to inefficiency and economic inequality. Instead of distributing wealth fairly, corrupt leaders allow a small elite to control national resources while the rest of the population remains impoverished. This imbalance makes it nearly impossible for the poor to break free from their conditions. -/- 2. Unregulated Capitalism and Economic Exploitation -/- Capitalism, when left unchecked, often prioritizes profit over people. Large corporations exploit labor by paying unfair wages, reducing access to job security, and minimizing social benefits. This system traps workers in a cycle of poverty where they are overworked but underpaid, unable to save or improve their living conditions. -/- 3. Inadequate Social Safety Nets -/- In many societies, social welfare systems are either weak or nonexistent. Without universal access to healthcare, education, and employment opportunities, the poor remain stuck In survival mode, unable to invest in their future. In contrast, nations with strong social support systems experience significantly lower poverty rates. -/- Thus, systemic failure creates poverty by failing to distribute wealth fairly, regulate economic policies, and provide safety nets for the vulnerable. -/- Violation of Balance: The Disruption of Sustainable Living -/- Your universal law of balance in nature states that everything must exist in harmony to sustain life. Poverty can be seen as a direct result of the violation of this balance, where human decisions have disrupted the natural and social equilibrium. -/- 1. Overexploitation of Resources -/- The reckless consumption of natural resources by a few nations or corporations leaves entire populations without access to food, clean water, and land. When industries prioritize profit over sustainability, they destroy ecosystems, leading to poverty in regions that depend on these resources for survival. -/- 2. Unsustainable Population Growth -/- Many developing nations experience rapid population growth without corresponding economic development. This creates an imbalance where resources such as food, water, and housing become insufficient to support growing populations, leading to mass poverty. Without proper planning and regulation, countries struggle to maintain sustainable living conditions. -/- 3. Extreme Wealth Disparity and Economic Instability -/- A major violation of balance occurs when a small percentage of people control the majority of a nation’s wealth. This concentration of resources leads to social instability, crime, and reduced economic mobility for the poor. A balanced system would ensure that wealth is distributed fairly so that all individuals have access to opportunities for growth. -/- When societies disrupt the balance between population, resources, and economic distribution, they create unsustainable conditions that lead to widespread poverty. -/- Ignorance: The Barrier to Poverty Eradication -/- Perhaps the most critical cause of poverty is ignorance, which manifests both at the individual and societal levels. Ignorance prevents people from understanding, addressing, and solving the very systems that keep them impoverished. -/- 1. Lack of Education and Critical Thinking -/- Without education, individuals cannot acquire the skills needed to escape poverty. Many impoverished regions suffer from low literacy rates, making it difficult for people to find stable jobs, understand their rights, or challenge unfair systems. A lack of critical thinking skills also allows misinformation and propaganda to control public perception, preventing meaningful change. -/- 2. Cultural and Religious Barriers -/- Many societies hold onto outdated traditions or religious dogma that discourage people from questioning authority, using birth control, or demanding better governance. While faith and tradition can provide social cohesion, they can also reinforce poverty when they discourage progress and education. -/- 3. Misinformation and Media Manipulation -/- The spread of false information, especially through social media and political propaganda, keeps people unaware of the true causes of their suffering. Governments and corporations manipulate public perception, convincing the poor that their situation is unchangeable or that economic inequality is “natural.” As a result, people fail to demand better policies or take action to change their circumstances. -/- Ignorance prevents individuals from recognizing the structural causes of their poverty, keeping them trapped in a cycle of economic hardship. -/- Solutions: Restoring Balance and Systemic Reform -/- If poverty is a product of systemic failure, imbalance, and ignorance, then the solution must involve structural reform, balance restoration, and education. -/- 1. Systemic Change: Governments must regulate capitalism, eliminate corruption, and create fair economic policies that ensure wealth is distributed equitably. -/- 2. Restoring Balance: Countries must implement sustainable development strategies, control population growth through education and planning, and ensure that natural resources are used responsibly. -/- 3. Eliminating Ignorance: A reformed educational system must teach critical thinking, scientific reasoning, and ethical leadership to empower future generations to challenge unjust systems. -/- Your holistic educational approach, based on the universal law of balance in nature, could serve as the foundation for eradicating poverty by reprogramming societal thinking and decision-making at a fundamental level. -/- Conclusion -/- Poverty is not simply an unfortunate condition—it is the result of broken systems, disrupted balance, and widespread ignorance. Governments, corporations, and social structures have failed to provide a fair and sustainable way of living, while economic exploitation and misinformation keep people from rising out of poverty. To truly solve poverty, we must rebuild social systems, restore balance, and educate future generations to think critically and act responsibly. Only through such a holistic, scientifically grounded approach can humanity achieve a world where poverty is no longer a systemic inevitability but a preventable condition. -/- . (shrink)

Compelling research in international relations and international political economy on global warming suggests that one part of any meaningful effort to radically reverse current trends of increasing green house gas (GHG) emissions is shared policies among states that generate costs for such emissions in many if not most of the world’s regions. Effectively employing such policies involves gaining much more extensive global commitments and developing much stronger compliance mechanism than those currently found in the Kyoto Protocol. In other words, global (...) warming raises the prospect that we need a global form of political authority that could coordinate the actions of states in order to address this environmental threat. This in turn suggests that any serious effort to mitigate climate change will entail new limits on the sovereignty of states. In this book I focus on the normative question of whether or not we have clear moral reasons to bind ourselves together in such a supranational form of political association. I argue that one can employ familiar liberal arguments for the moral legitimacy of political order at the state level to show that we do have a duty to support such a global political project. Even if one adopts the premises employed by the most influential forms of liberal scepticism to the ideas of global political and distributive justice, such as those advanced by John Rawls and Thomas Nagel, it is clear that the threat of global warming has expanded the scope of justice. We now have a global and demanding duty of justice to create the political conditions that would allow us to collectively address our impact on the Earth’s atmosphere. (shrink)

-/- The Future of Economic Systems: A Balance Between Capitalism, Socialism, and Sustainable Growth -/- Economic systems have evolved over centuries to meet the needs of societies. The invention of monetary value, a social construct, allowed for the exchange of goods and services, making economies function at a large scale. However, while this system has undoubtedly brought prosperity to many, it has also led to inequalities and environmental challenges. In order to address these issues and ensure a sustainable future, a (...) more holistic approach to economic systems is necessary—one that blends the best of capitalism, socialism, and modern economic theories such as Modern Monetary Theory (MMT). This approach, coupled with excellent government leadership and regulated population growth, could create an economic system that maximizes productivity, balances wealth distribution, and ensures sustainability for future generations. -/- The Combination of Capitalism and Socialism -/- Capitalism has proven effective at driving innovation, entrepreneurship, and economic growth. It is based on the principle that individuals and companies can freely engage in trade, and that competition leads to more efficient and diverse products and services. However, capitalism, when left unchecked, has often resulted in income inequality, environmental degradation, and social unrest. To address these issues, elements of socialism are necessary. Socialism focuses on wealth redistribution and providing a safety net for the most vulnerable members of society. It ensures that basic needs, such as healthcare, education, and housing, are met for all citizens, regardless of their income level. -/- By combining capitalism with socialism, societies can harness the strengths of both systems. The competitive nature of capitalism fosters innovation and growth, while socialism ensures that wealth is more evenly distributed and that the welfare of society as a whole is prioritized. This balance can lead to a more equitable society, where both individuals and communities can thrive. -/- The Role of Modern Monetary Theory (MMT) as a Feedback Mechanism -/- Modern Monetary Theory (MMT) proposes that governments can issue currency without the risk of running out of money, provided they manage inflation and the economy’s productive capacity responsibly. MMT offers a fresh perspective on monetary policy, advocating for increased government spending on public goods and services, such as infrastructure, healthcare, and education, without the immediate need for taxation or borrowing. -/- In this proposed economic system, MMT functions as a feedback mechanism, helping to regulate the money supply in a way that is responsive to economic conditions. By aligning the money supply with real productivity, MMT can ensure that inflation remains under control while supporting full employment and social welfare. This mechanism helps prevent the economic imbalances that have sometimes occurred in both purely capitalist and socialist systems, creating a stable environment in which society can flourish. -/- The Importance of Excellent Government Leadership and Sustainable Population Growth -/- An effective government system is essential in implementing these economic policies. Strong leadership ensures that policies are not only well-crafted but also implemented efficiently. Leaders must focus on long-term stability, fairness, and sustainability, and be willing to make decisions that prioritize the common good over short-term political gain. In this system, transparency, accountability, and a commitment to improving quality of life for all citizens should guide decision-making. -/- Another critical factor in ensuring the success of this economic system is sustainable population growth. Overpopulation can strain resources, harm the environment, and lead to economic instability. Regulated population growth ensures that society’s resources—such as food, water, energy, and housing—are not overburdened. Through education, family planning, and policies that promote sustainable living, governments can ensure that the population grows at a rate that is manageable and supportive of long-term prosperity. -/- Balancing Money Supply, Productivity, and Inequality -/- At the heart of this system is a formula that balances key economic indicators: money supply, sustainable population growth, productivity output, income inequality (Gini coefficient), and GDP per capita. The money supply must be aligned with the production of goods and services, ensuring that inflation is controlled. Sustainable population growth must match the resources available, avoiding the negative effects of overpopulation. Productivity output should be maximized without exploiting the environment or workers, and the Gini coefficient must be kept at a level that minimizes income inequality, ensuring that the benefits of economic growth are shared by all members of society. Finally, GDP per capita, which measures the standard of living, should reflect the prosperity and well-being of all individuals, not just a wealthy few. -/- A Global Vision for Economic Balance -/- While the principles discussed above could create a more equitable and sustainable economic system, their global adoption would require cooperation across nations. Economic policies would need to be tailored to each country’s specific context, but the broader framework could be shared as a global standard. It is likely that the adoption of such a system would need to begin with a few countries as examples, demonstrating the benefits of a balanced approach before it is implemented more widely. -/- Global institutions like the United Nations, World Bank, and international trade organizations could play a role in guiding and supporting countries through this transition. It would require collaboration between governments, businesses, and civil society to ensure that policies are implemented fairly and effectively. Through education, advocacy, and international cooperation, the principles of balance, fairness, and sustainability can be spread across the globe, leading to a more prosperous and just world. -/- Conclusion -/- In conclusion, the future of economic systems lies in finding the right balance between capitalism and socialism, guided by the principles of Modern Monetary Theory, strong government leadership, and regulated population growth. By aligning these elements with a formula that balances money supply, productivity, inequality, and GDP per capita, we can create a system that is not only efficient but also sustainable. The invention of monetary value has already shown its power to organize societies, but the next step is to refine the system so that it works for the benefit of all, ensuring a prosperous future for generations to come. -/- . (shrink)

Is Overpopulation Necessary for Capitalism? -/- Introduction -/- The relationship between population growth and capitalism has been a subject of debate for centuries. Some argue that a large population is necessary for a thriving capitalist system, as it provides labor and fuels consumer demand. Others believe that excessive population growth leads to economic and environmental problems, making it an unsustainable approach. Even in a world with vast natural resources, as it was thousands of years ago, overpopulation is not a necessity (...) for capitalism. Instead, a balanced population, technological advancement, and sustainable policies offer a more stable foundation for economic prosperity. -/- Capitalism and Population Growth -/- Capitalism is an economic system based on private ownership, market competition, and the pursuit of profit. Historically, population growth played a crucial role in early capitalist economies by: -/- 1. Providing Cheap Labor – Industrialization in the 18th and 19th centuries relied on a large workforce willing to work for low wages. -/- 2. Expanding Consumer Markets – More people meant higher demand for goods and services, driving production and economic growth. -/- 3. Encouraging Urbanization – Population increases fueled the growth of cities, creating hubs of economic activity. -/- However, the conditions that made population growth beneficial in the past are not the same today. The rise of technology, automation, and environmental concerns have changed the dynamics of modern capitalism. -/- The Myth That Overpopulation is Necessary -/- 1. Resource Overconsumption and Environmental Limits -/- Even if a country has vast natural resources, overpopulation accelerates their depletion. Unlike thousands of years ago, today’s industrial and technological advancements consume resources at an unprecedented rate. Excessive population growth leads to deforestation, water shortages, pollution, and climate change, ultimately harming the very foundation of economic stability. Capitalism depends on resources, but without sustainability, long-term growth becomes impossible. -/- 2. Poverty, Inequality, and Job Competition -/- A growing population does not guarantee economic prosperity. In fact, it can lead to: -/- Lower Wages – More workers competing for limited jobs drive down wages, worsening income inequality. -/- Higher Unemployment – Many economies cannot create jobs fast enough to keep up with population growth, leading to widespread unemployment and social unrest. -/- Increased Cost of Living – Overpopulation in cities leads to housing shortages, inflated prices, and lower living standards. -/- In contrast, countries with stable or declining populations, like Japan and Germany, continue to maintain strong economies by focusing on productivity, technology, and efficient resource management. -/- 3. Technological Advancement Reduces the Need for a Large Workforce -/- The argument that capitalism requires a large workforce is becoming outdated due to: -/- Automation and AI – Machines and artificial intelligence can now perform many tasks that once required human labor, reducing the need for an excessive population. -/- Knowledge-Based Economies – Modern capitalism thrives on innovation, education, and high-skilled labor rather than sheer workforce size. -/- Remote Work and Globalization – Digital economies allow companies to access talent worldwide, reducing dependence on a single country’s population. -/- This shift shows that a well-educated, productive workforce is more valuable than a large, unskilled population. -/- 4. Capitalism Can Function with Population Stability -/- The strongest economies today do not rely on uncontrolled population growth. Instead, they prioritize: -/- Sustainable Development – Countries invest in renewable energy, smart infrastructure, and responsible resource management. -/- Quality Over Quantity – A smaller but highly skilled workforce is more beneficial than an overcrowded, low-wage labor force. -/- Technological Innovation – Capitalism thrives when businesses focus on efficiency, automation, and innovation rather than sheer market size. -/- A balanced Approach to Population and Capitalism -/- Rather than overpopulation, capitalism benefits from a balanced population that aligns with: -/- Natural Resources – Preventing depletion ensures long-term economic sustainability. -/- Economic Capacity – Governments can provide better education, healthcare, and infrastructure for a stable society. -/- Technological Advancements – Efficiency and productivity matter more than just increasing the number of workers or consumers. -/- Governments and businesses should focus on: -/- 1. Education and Skill Development – Investing in human capital is more important than expanding the population. -/- 2. Sustainable Economic Models – Transitioning to green energy, circular economies, and digital industries ensures long-term prosperity. -/- 3. Responsible Population Policies – Encouraging balanced growth rather than unchecked expansion prevents economic and environmental collapse. -/- Conclusion -/- Overpopulation is not a necessity for capitalism, even in resource-rich countries. While population growth once played a key role in economic expansion, modern economies benefit more from a skilled workforce, technological progress, and sustainable resource management. A balanced population ensures economic stability, environmental protection, and a higher quality of life for all. The future of capitalism does not depend on sheer numbers but on how effectively resources, technology, and human potential are managed. -/- . (shrink)

Cloud computing is revolutionizing modern computing infrastructure, but as the demand for cloud services grows, so does the energy consumption of the data centers that support them. Data centers, which house the servers that power cloud computing, are significant contributors to global carbon emissions. This paper explores strategies to achieve net-zero carbon emissions in data centers, focusing on energy efficiency, renewable energy integration, and carbon offsetting practices. The paper reviews current technologies, practices, and policies aimed at reducing the carbon footprint (...) of cloud computing and discusses emerging innovations such as green data centers, server optimization techniques, and the use of artificial intelligence (AI) for energy management. By highlighting case studies from leading companies, this paper presents a comprehensive approach to achieving sustainability in the cloud computing ecosystem. The paper concludes by emphasizing the importance of collaboration among industry stakeholders, policymakers, and consumers in accelerating the transition to net-zero emissions in the digital infrastructure sector. (shrink)

The Flow of Money in the Economy: Conversion into Assets and Changing Velocity -/- Money is the lifeblood of an economy, continuously circulating and changing hands in various forms. At its core, all cash flows through the economy by being converted into assets with monetary value. The amount of money in circulation and its velocity—how quickly it moves from one transaction to another—fluctuate over time, shaping economic activity and stability. This essay explores the mechanisms through which money flows, how it (...) is converted into assets, and the dynamic changes in its volume and velocity. -/- The Conversion of Money into Assets -/- Every monetary transaction ultimately results in the conversion of cash into assets, whether tangible or intangible. This transformation occurs through various channels: -/- 1. Consumption and Investment -/- Money is frequently exchanged for goods and services that hold economic value, such as food, housing, and technology. These purchases represent an immediate transformation of cash into assets that provide utility to individuals and businesses. -/- Investments, including stocks, bonds, and real estate, convert money into financial assets that can appreciate in value or generate returns over time. -/- From low-income individuals to billionaires, all spending and investments are ultimately converted into assets with monetary value. These may include consumer goods, luxury items, corporate investments, or large-scale financial portfolios. -/- 2. Banking and Credit Creation -/- Money deposited in banks does not remain idle. Through fractional reserve banking, financial institutions lend out a portion of these deposits, effectively converting cash into new financial assets in the form of loans and credit. -/- This process expands the money supply by creating credit-based assets while maintaining a continuous flow of money within the economy. -/- 3. Government Spending and Taxation -/- Governments collect money through taxes and redistribute it via public expenditures, such as infrastructure projects, social services, and defense. -/- Public spending leads to the creation of physical and human capital assets, contributing to economic growth and societal development. -/- 4. Foreign Trade and Exchange Markets -/- Money flows between economies through imports and exports, converting into international assets. -/- Foreign direct investments (FDI) and currency exchanges further influence the global movement of money, shaping its conversion into diverse forms of assets. -/- The Changing Amount and Velocity of Money -/- While money is always in circulation, its flow rate and volume fluctuate due to several factors: -/- 1. Economic Cycles -/- During economic booms, money moves rapidly as businesses expand, consumers spend more, and investment activity increases. -/- In contrast, recessions slow down the velocity of money as people and businesses hold onto cash, reducing overall economic activity. -/- 2. Inflation and Deflation -/- Inflation decreases the purchasing power of money, leading individuals and companies to spend more quickly before prices rise further, increasing velocity. -/- Deflation has the opposite effect, causing people to hoard money in anticipation of lower prices, thereby slowing economic activity. -/- 3. Monetary Policy and Interest Rates -/- Central banks influence money flow by adjusting interest rates and implementing monetary policies that control liquidity. -/- Lower interest rates encourage borrowing and spending, accelerating money circulation, while higher rates reduce it. -/- 4. Technological Advances and Digital Payments -/- The rise of digital transactions, mobile banking, and cryptocurrencies has increased the speed of money flow. -/- Faster transaction processing reduces the time money remains idle, enhancing its velocity within the economy. -/- Conclusion -/- The flow of money within an economy is a dynamic process, continuously converting cash into assets while fluctuating in volume and velocity. Every transaction contributes to this transformation, whether through consumption, investment, banking, government activity, or international trade. From everyday consumers to billionaires, all spending and investments ultimately convert into assets with monetary value, reinforcing economic activity at all levels. Understanding these mechanisms is crucial for policymakers, businesses, and individuals alike, as managing money supply and velocity effectively determines economic stability and growth. In an era of digital finance and globalized markets, the ability to track and regulate these flows remains both a key challenge and an opportunity for sustaining economic prosperity. -/- . (shrink)

Comprehensive Plan for Population Growth Control & Senior Citizen Social Safety Net in the Philippines -/- To ensure sustainable population growth while also supporting senior citizens who have no children or lack financial support, the government must integrate social safety net laws for both family planning and elderly welfare. -/- I. Population Growth Control Through Social Safety Net Laws -/- 1. TAX REFORMS TO INCENTIVIZE SMALLER FAMILIES -/- A. Incentives for Small Families -/- Higher tax deductions for families with one (...) or two children. -/- Gradual removal of tax benefits for families with more than two children. -/- Corporate tax incentives for businesses that provide family planning services. -/- B. Tax Penalties for Large Families -/- Higher progressive taxation on families with three or more children. -/- Luxury taxes on housing, vehicles, and government subsidies for large families. -/- 2. EDUCATION REFORMS FOR RESPONSIBLE FAMILY PLANNING -/- A. Strengthening Sex Education (Comprehensive Sexuality Education – CSE) -/- Mandatory inclusion in the school curriculum from Grade 5 onward. -/- Covers reproductive health, contraception, financial responsibility, and gender equality. -/- B. Scholarships & Financial Aid for Small Families -/- Additional educational subsidies for children from families with one or two kids. -/- Gradual reduction of education subsidies for larger families. -/- 3. EMPLOYMENT & SOCIAL WELFARE REFORMS -/- A. Job Incentives for Women & Working Parents -/- Work-from-home incentives and subsidized childcare for working mothers. -/- Paid maternity leave benefits tied to small family sizes. -/- B. Adjustments to 4Ps Social Welfare Program -/- Full cash benefits limited to the first two children. -/- Mandatory family planning education to continue receiving benefits. -/- 4. AI & BIG DATA FOR POPULATION PLANNING -/- AI-driven demographic tracking to adjust tax policies, social benefits, and economic incentives. -/- Predictive modeling for workforce planning to prevent future labor shortages. -/- 5. URBAN & RURAL DEVELOPMENT STRATEGIES -/- Housing and urban planning incentives for small families. -/- Smart city initiatives to balance population density. -/- II. Social Safety Net for Senior Citizens Without Children or Financial Support -/- 1. Universal Pension & Financial Support Programs -/- A. Strengthening the SSS and GSIS Pension System -/- Mandatory government contributions for all workers, regardless of employment sector. -/- Higher pension benefits for seniors without children or financial support. -/- B. New “Guaranteed Minimum Pension” Program -/- Senior citizens without private savings receive a baseline pension from the government. -/- Indexed to inflation to ensure financial security in old age. -/- 2. Housing & Living Assistance for Seniors Without Family Support -/- A. Senior Citizen Cooperative Housing Program -/- Government-subsidized shared housing facilities for elderly individuals without family support. -/- Community-based senior housing with healthcare and caregiving services. -/- B. Expansion of Public Nursing Homes -/- New state-run assisted living facilities in every province. -/- Affordable senior apartments with subsidized utilities and food programs. -/- 3. Healthcare & Insurance for Elderly Without Family Support -/- A. Expansion of PhilHealth & Free Healthcare Services -/- Automatic PhilHealth coverage for all seniors with no child support. -/- Higher government healthcare subsidies for single and childless seniors. -/- B. Free Home-Based Healthcare -/- Barangay-level healthcare workers assigned to provide free home visits for elderly citizens. -/- Mobile clinics and telemedicine for those in remote areas. -/- 4. Employment & Social Engagement for the Elderly -/- A. Senior Employment & Livelihood Programs -/- Tax incentives for companies hiring seniors (part-time or consultancy roles). -/- Government-backed microfinance loans for seniors starting small businesses. -/- B. “Adopt-a-Senior” Community Program -/- Encourage local communities to support senior citizens without family assistance. -/- Volunteer-based programs where younger individuals help care for seniors. -/- III. Implementation Challenges & Solutions -/- A. Overcoming Religious & Cultural Barriers -/- Frame policies as “family economic security programs” rather than population control. -/- Community-based awareness campaigns to promote responsible parenthood. -/- B. Ensuring Fair Implementation in Rural Areas -/- Deploy mobile healthcare teams to reach isolated seniors and educate rural families. -/- Offer financial rewards for barangays with successful family planning programs. -/- C. Balancing Population Growth & Workforce Needs -/- Encourage skilled migration to prevent future labor shortages. -/- Promote education and automation to compensate for a smaller workforce. -/- Final Recommendations -/- Integrate population planning into the national economic strategy. -/- Create a “National Senior Citizen Welfare Act” ensuring financial security for the elderly. -/- Strengthen AI-driven demographic management to balance population growth. -/- . (shrink)

Why Elon Musk is Wrong About the “Population Collapse” Problem -/- Elon Musk has repeatedly warned that low birth rates in many developed countries pose a major threat to human civilization. He argues that a shrinking population will lead to economic decline, labor shortages, and reduced innovation, ultimately making it harder for humanity to sustain itself and expand into space. However, his concerns may be exaggerated, as decreasing population growth is not necessarily a crisis. In fact, it can offer several (...) advantages. This essay explains why Musk’s fears are misguided and why declining populations—especially in countries like Japan—should not be seen as a catastrophe. -/- Historical Perspective: The World Thrived With a Smaller Population -/- One of the biggest flaws in Musk’s argument is that human civilization has thrived with much smaller populations in the past. Today, the global population is over 8 billion, but in 1900, it was only 1.6 billion. In 1800, it was about 1 billion, and before the Industrial Revolution, global populations were even smaller. Despite having far fewer people, humanity was still able to make incredible advancements in science, technology, and philosophy. -/- For example, the Scientific Revolution and the Enlightenment, which laid the foundation for modern civilization, occurred when the global population was just a fraction of what it Is today. The Industrial Revolution transformed economies with far fewer workers than modern societies have. These historical examples show that progress and innovation do not depend solely on population size but rather on education, resource management, and technological development. -/- Population Growth Is Easier to Increase Than Decrease -/- Another reason why Musk’s fears are unfounded is that increasing population growth is much easier than reducing it. Governments can implement policies to encourage higher birth rates, such as tax incentives, childcare subsidies, paid parental leave, and better work-life balance initiatives. Countries like France and Sweden have successfully stabilized their populations through such policies. -/- On the other hand, reducing population growth is far more challenging. Many countries struggling with overpopulation face difficulties in controlling birth rates due to social, religious, and cultural factors. If the world were facing a true population shortage, reversing the trend would be much easier than solving the problems of overpopulation. -/- Japan as a Case Study: A Population Decline That Isn’t a Crisis -/- Japan, a country Musk frequently references in his concerns, currently has a population of 123 million. Even if its population were to shrink by 50 million over the next century, it would still have a sizable number of people. Rather than being a crisis, a declining population in Japan could bring several benefits: -/- 1. Less Resource Strain – A smaller population means lower demand for food, water, energy, and housing, reducing environmental degradation and making sustainability easier. -/- 2. Higher Quality of Life – With fewer people, wages could increase, housing could become more affordable, and infrastructure could be better maintained, improving overall living standards. -/- 3. Automation and AI Can Offset Labor Shortages – Japan is already a global leader in robotics and AI, which can replace human labor in many industries, reducing the need for a larger workforce. -/- 4. Aging Population Can Be Managed – Instead of increasing birth rates, Japan could reform pension systems, improve healthcare efficiency, and encourage older adults to remain active in the workforce for longer. -/- 5. Sustainability Over Infinite Growth – Economic systems do not need infinite population growth to thrive. Japan could transition to a steady-state economy, focusing on efficiency, sustainability, and technological advancements rather than sheer population numbers. -/- Why Overpopulation Is a Bigger Concern -/- Musk’s argument also ignores the fact that overpopulation remains a major global issue. Many developing countries still face problems such as food shortages, environmental destruction, and inadequate infrastructure due to excessive population growth. A controlled population decline could actually help balance the world’s resources, rather than being seen as a threat. -/- Furthermore, countries experiencing population decline can use immigration to stabilize their workforce. Many developed nations already rely on skilled immigrants to fill labor shortages, making the argument for forced population growth even weaker. -/- Conclusion: Adaptation, Not Fear, Is the Key -/- Elon Musk’s fears about population decline are exaggerated because societies can adapt to demographic changes rather than blindly push for higher birth rates. History shows that humanity has thrived even with much smaller populations. Japan and other nations with low birth rates can maintain strong economies and high living standards by embracing automation, improving social policies, and shifting away from the outdated idea that economic growth depends solely on population size. Rather than fearing population decline, we should focus on building sustainable, balanced societies that thrive with fewer people. -/- . (shrink)

Is Marriage and Having a Family Compulsory in Society? -/- Marriage and family have historically been viewed as essential institutions in many societies, shaping social structures, traditions, and even economies. However, as societies evolve, perspectives on marriage and family have changed. While some still regard them as fundamental aspects of life, others see them as personal choices rather than obligations. The question remains: Is marriage and having a family compulsory in a society? The answer is no, as Individuals today have (...) the freedom to choose their paths based on personal aspirations, financial stability, and societal factors. However, despite this freedom, many young people still face immense pressure to marry, even when they are not yet emotionally or financially prepared. -/- The Traditional View of Marriage and Family -/- In many cultures, marriage has been considered a necessary milestone in life. Historically, it served as a means of ensuring financial security, strengthening social ties, and continuing family lineage. For example, in ancient China, marriage was arranged by families based on social status and economic advantage rather than personal choice. Similarly, in medieval Europe, noble families often arranged marriages to secure alliances and wealth. -/- Even in modern times, some societies still pressure individuals to marry. In India, for example, arranged marriages are still common, with families playing a significant role in selecting a spouse. In some Middle Eastern countries, societal norms strongly encourage marriage, and in some cases, unmarried individuals—especially women—may face social stigma. These cultural perspectives emphasize the importance of marriage not just for personal companionship but as a duty to family and society. -/- Having children is also seen as an obligation in some cultures. In Japan, the declining birth rate has become a concern, leading the government to introduce policies that encourage marriage and childbearing, such as financial incentives and extended parental leave. However, despite these efforts, many young Japanese people choose to remain single or delay marriage due to financial pressures and career aspirations. -/- Pressures That Force Young People into Marriage -/- Despite the increasing acceptance of personal choice in marriage, many young people still feel pressured to marry due to various societal, cultural, and familial factors. -/- 1. Family Expectations and Cultural Norms In many societies, parents and extended family members expect young adults to marry by a certain age. For example, in the Philippines, it is common for relatives to ask young people, “Kailan ka magpapakasal?” (“When will you get married?”) during family gatherings. This social pressure can make individuals feel obligated to marry, even if they are not ready. -/- 2. Religious Beliefs Many religious traditions emphasize marriage as a sacred duty. In some Christian, Muslim, and Hindu communities, staying single for too long may be viewed as undesirable or even sinful. Some religious teachings also discourage premarital relationships, making marriage seem like the only acceptable way to experience companionship and intimacy. -/- 3. Fear of Social Judgment In some cultures, being single for too long is often associated with negative stereotypes. Women, in particular, may be labeled as “old maids” or “leftovers” if they remain unmarried past a certain age. In China, the term “Sheng Nu” (leftover women) is used to describe women over 27 who are still single, putting immense pressure on them to find a husband. Similarly, men who are not married by their 30s may be seen as irresponsible or immature. -/- 4. Economic and Financial Pressures In some societies, marriage is seen as a way to achieve financial security. Young people from economically disadvantaged backgrounds may feel pressured to marry someone who can provide financial stability, even if they are not emotionally prepared for marriage. For example, in some rural parts of Africa and South Asia, early marriages are arranged to provide financial relief to the bride’s family. -/- 5. Peer Pressure Seeing friends and classmates getting married can create a sense of urgency, making individuals feel as though they are “falling behind” in life. In social media-driven cultures, where people frequently post wedding and engagement photos, young adults may feel pressure to conform to the trend, even if they are not ready for marriage. -/- 6. Unplanned Pregnancy In conservative societies, an unplanned pregnancy often leads to marriage due to social expectations and family pressure. In the Philippines, for example, “shotgun weddings” (forced marriages due to pregnancy) are still common, especially among young couples. While this may seem like a solution to social stigma, it often results in marriages that are unstable due to emotional immaturity and financial struggles. -/- Changing Perspectives in Modern Society -/- In contemporary society, marriage and family are increasingly viewed as personal choices rather than obligations. Many individuals prioritize career advancement, personal development, or other life goals. For instance, in Western countries like the United States and Canada, there has been a significant rise in the number of single people who choose to remain unmarried or cohabit without legally formalizing their relationships. Celebrities like Oprah Winfrey, who has remained unmarried despite a long-term relationship, exemplify this shift in societal norms. -/- Additionally, financial stability plays a crucial role in decisions about marriage and children. In urban areas, the rising cost of living, housing, and childcare often discourages young couples from starting a family. For example, in South Korea, the term “Sampo Generation” (meaning “Three-Give-Up Generation”) describes young people who forgo marriage, children, and homeownership due to economic hardships. This phenomenon highlights how financial factors influence personal decisions in modern society. -/- Alternatives to Traditional Family Structures -/- As societies become more accepting of diverse lifestyles, alternative family structures have emerged. Single-parent families, same-sex couples raising children, and individuals choosing to remain child-free are increasingly recognized. For example, in Scandinavian countries like Sweden and Denmark, cohabitation without marriage is common, and legal protections are provided for unmarried couples. -/- Another example is the concept of “chosen families,” where people form deep, supportive relationships outside of biological ties. In LGBTQ+ communities, for instance, individuals often build close family-like relationships with friends who provide emotional and financial support. This demonstrates that love, care, and support do not necessarily require legal marriage or biological parenthood. -/- Conclusion -/- Marriage and family remain significant in many cultures, but they are not compulsory in modern society. While traditional expectations still influence many people’s decisions, growing individual freedom allows people to shape their lives based on personal values, financial realities, and career aspirations. However, young people still experience immense pressure to marry due to family expectations, religious beliefs, social stigma, and economic factors. These pressures often lead individuals into marriage before they are truly ready, sometimes resulting in unhappy or unstable relationships. -/- As society continues to evolve, the acceptance of diverse family structures further highlights that fulfillment and happiness are not dependent on marriage or having children. Instead, individuals should have the right to choose whether to marry or remain single without fear of judgment or pressure. Ultimately, personal happiness and well-being should be prioritized over societal expectations. -/- . (shrink)

Why Does Poverty Still Exist in Many Countries? -/- Despite advances in technology, economic growth, and globalization, poverty remains a significant issue in many countries. While some nations have successfully reduced poverty levels, millions of people still struggle with hunger, lack of education, and inadequate living conditions. The persistence of poverty is not simply due to a lack of resources; rather, it is the result of complex systemic, economic, political, and social factors that continue to hinder progress. Understanding these factors (...) is crucial to developing effective solutions for a more equitable world. -/- Economic Inequality and Wealth Concentration -/- One of the primary reasons poverty remains widespread is economic inequality. In many countries, wealth is concentrated in the hands of a few, leaving a large portion of the population with little access to resources and opportunities. Many economies prioritize profit and market growth over ensuring basic needs for all, resulting in low wages, high living costs, and limited social mobility. As the rich get richer, the poor struggle to survive, creating a cycle that is difficult to break. Without policies that promote fair wealth distribution, poverty will continue to persist. -/- Corruption and Poor Governance -/- Corruption is a major barrier to poverty reduction. In many nations, public funds that should be used for education, healthcare, and social services are instead diverted by corrupt officials. Weak governance leads to mismanagement of resources, ineffective policies, and a lack of accountability. When governments fail to prioritize poverty reduction, citizens are left without essential services and economic opportunities. Fighting corruption and ensuring transparent governance is essential in addressing poverty. -/- Flawed Economic Systems -/- Many economic systems rely on exploitative labor practices, where wages are too low to lift workers out of poverty. Global trade structures also favor wealthier nations, keeping poorer countries dependent on foreign aid and limited economic opportunities. In some regions, industries are controlled by multinational corporations that extract resources without fairly compensating local workers or investing in community development. To reduce poverty, economies must shift towards fair wages, job creation, and sustainable development. -/- Lack of Access to Quality Education -/- Education is one of the most powerful tools for escaping poverty. However, in many countries, access to quality education is limited due to underfunded schools, lack of qualified teachers, and high costs of schooling. Without proper education, people struggle to secure stable employment and improve their living conditions. Investing in education, particularly for marginalized communities, is crucial for breaking the cycle of poverty and creating a more skilled and self-sufficient workforce. -/- Overpopulation and Resource Strain -/- Rapid population growth can strain a country’s resources, making it difficult for governments to provide adequate jobs, housing, and social services. In many developing nations, population growth outpaces economic opportunities, leading to high unemployment rates and increased poverty. Effective family planning, education on sustainable living, and policies that promote economic development alongside population growth can help address this issue. -/- Political and Social Instability -/- Wars, conflicts, and political unrest disrupt economies and displace millions of people, making poverty worse. When a country is in crisis, resources are diverted toward military spending rather than social welfare, and businesses collapse, leaving many unemployed. Additionally, social discrimination based on class, race, or gender often limits access to education, jobs, and healthcare, keeping certain groups in poverty. Peace, stability, and equal opportunities for all citizens are necessary to create an environment where people can thrive. -/- Environmental and Climate Factors -/- Climate change and natural disasters disproportionately affect poorer communities. Droughts, floods, and hurricanes destroy homes, disrupt food supplies, and push already vulnerable populations deeper into poverty. Many developing nations lack the resources to recover from these environmental crises. Implementing sustainable agricultural practices, investing in disaster preparedness, and providing financial assistance to affected communities can help reduce the impact of climate-related poverty. -/- Debt and Economic Dependence -/- Many developing countries are trapped in a cycle of debt, owing large sums to wealthier nations and international financial institutions. High-interest payments on these debts limit the ability of governments to invest in poverty reduction programs, infrastructure, and social services. Additionally, foreign aid often comes with conditions that do not always align with the needs of the poorest populations. Reducing debt burdens and restructuring international financial systems can help countries allocate more resources toward development and poverty alleviation. -/- Inadequate Social Safety Nets -/- In many countries, there are few protections for people who lose their jobs, face medical emergencies, or experience financial hardships. Without social safety nets such as universal healthcare, housing support, and unemployment benefits, people remain vulnerable to economic shocks. Stronger social welfare systems can help lift people out of poverty and prevent them from falling back into it. -/- Cultural and Structural Barriers -/- Traditional power structures and cultural beliefs can also contribute to poverty. In some societies, reforms such as land redistribution or labor rights improvements are resisted by those in power. Additionally, discrimination and systemic inequalities prevent marginalized groups from accessing economic and social opportunities. Changing these deeply rooted structures requires education, advocacy, and policy changes that promote fairness and inclusion. -/- Can Poverty Be Solved? -/- Poverty is not an unsolvable problem, but addressing it requires systemic change. Strong governance, fair economic policies, and investment in education, healthcare, and social services are essential. Global cooperation is also necessary to reduce unfair trade practices, restructure debt, and ensure that developing countries have the resources they need to grow sustainably. If governments, businesses, and individuals work together to prioritize social and economic equity, poverty can be significantly reduced, creating a better future for all. -/- Conclusion -/- The persistence of poverty is not due to a lack of resources but rather the result of economic inequality, corruption, poor governance, flawed economic systems, and structural barriers. While many organizations and governments work toward poverty reduction, true progress requires systemic reforms and global cooperation. By addressing these root causes and ensuring fair opportunities for all, the world can move closer to eradicating poverty and building a more just society. -/- . (shrink)

In its recent report Human Reproductive Technologies and the Law, the House of Commons’ Select Committee on Science and Technology insisted that the United Kingdom ‘does not take a purely insular view’ on sex selection but to carefully consider the impact on other countries before allowing changes to current legislation. True, no country is an island, not even the British Isles. Still, outlawing a harmless practice in Great Britain because of its alleged harmful effects in other countries is bad public (...) policy. (shrink)

This chapter investigates older people’s needs in contemporary Ghana using the analyses of quantitative and qualitative data sets. The findings identified eight distinct patterns of needs, namely basic needs, care, and domestic help; sociability, emotional and affective support; information; counseling; spiritual needs, free bus rides, and rights. These needs highlight older adults’ social and personal requirements regarding daily living and healthcare in their desire to age with dignity. Their provision may avert problems related to population ageing, including old-age dependency. These (...) needs can be addressed through the following measures. First, the facilitation of the informational needs of older people is attainable through the introduction of initiation for adults and/or older people into the social structure and/or life course. Second, the provision of houses through the mediation of government on behalf of pension contributors, payable in installments. These may ensure appropriate adjustment to life in old age, albeit longevity. The life-sustaining needs of older people have existed since time immemorial. However, these needs are now taking a new dimension in the era of population ageing and increased life expectancy, economic hardships, and weakening extended family support system. We, therefore, argue that these require interventions at both the family and institutional or state levels or formal and informal levels, particularly needs satisfying programs and policies should be instituted by the government in addition to the existing ones. (shrink)

The article aims to investigate and analyze the social impact of industrialization on Badli. Badli is one of the largest industrial zones in Delhi which also bears large slums neighboring to the industries. The literature available on the area is also limited to news articles and government reports, thus further research on Badli is required. The social implications were examined through naturalistic observational research and unstructured interviews of 10 individuals from Badli. Using thematic analysis and secondary data analysis the data (...) was interpreted into common themes and key ideas. The analysis showed most Industries in Badli are unauthorized and have issues such as unemployment, child labor, hazardous working conditions, nominal wages, producing illegal substances and lack of healthcare management. People living in the neighboring slum areas suffer from issues such as poor health care facilities, below par educational infrastructure, high crime rates, harmful drainage and ventilation services, congested housing structures, economic disparity, and toxic family environment. Thus Industrialization has deeper implications on the society of Badli which can be attributed to the influx of migrants, industries and poor governance by the administrative authorities to control and manage the industrial process in Badli. It can be concluded that there is a huge correlation between social change and industrialization. Further studies are required to create socio-economic policies catering to the situation in Badli for a long-lasting sustainable effect on the area. (shrink)

The sometimes, selective exclusion by the legislation and the financial houses of the host country, force immigrants of African origin to setup stokvels to sustain their businesses and livelihood in South Africa. Aim: To provide the basis for inclusive policy initiatives, this paper investigated the drivers for the formation of business support stokvels by Cameroonians in South Africa. Method: The paper adopted a mix research paradigm with the survey questionnaire and personal interviews as the tools of choice. The purposive (...) sampling technique was implored to reach the 132 respondents. Results: It was apparent that the participants form stokvels to compensate for the lack of access to finance from formal financial intermediaries. The dire need for startup and later expansion capital drove them to form stokvels and even to belong to multiple stokvels as they strive to improve their chances. Beyond this, stokvels provide the platform for the mobilization of savings and the opportunity to run their own bank on their own terms. Implications: while aligned to the Cameroonian community, other minority groups can draw vital lessons. Beyond this, the paper informs the inclusive finance debate and may therefore be relevant to policy makers and academics. (shrink)

The Anatomy of Economic Inequality in Wales (2011) provides quantitative evidence for the pervasive nature of class-based inequalities in education, demonstrating that an individual in social housing is approximately 10 times less likely to be a graduate compared to those in other types of accommodation. This article moves beyond the baseline figures and argues that for marginalised, mature mothers re-entering education, the emotional cost is often one that they are unable to pay, and that practitioners and policy makers (...) need to be aware of, and responsive to their situation so that retention and completion rates can be improved. The article presents case studies from two research projects, which aimed to explore and represent the educational experiences of working-class mature students in urban south Wales. The article focuses on the accounts of women who completed Access courses and gained places in post-1992 universities, focusing on their initial aspirations and later disappointments. The article examines the ways in which classed, gendered and relational positionings conflicted with their education trajectory and often contributed to their withdrawal from academia. (shrink)