July 26th , 2026

Dear world leaders,

You can open up a bottle of champagne,
because you now have the roadmap to the perfect gift before you.

It’s about time something good came out of Europe to you…
Not from the official leaders of Europe of course,
but from a European, who knows that realizing phase one of the road to World Peace is doable AND…
That it won’t take long to accomplish: At the latest on January 1st 2027.
The gift will be installed across the essential nations and boom...
It's as if someone bought and handed a winning Lotto ticket to you,
that you just need to cash in yourself. Spoiler Alert:
This gift gives participating governments the capacity to generate government budgets,
combined worth of several hundreds of trillion USD eaqch year,
without causing even a nanopercent of monetary inflation.

Finally, you will be introduced to a whole new way of doing geopolitics, no one deemed possible. For starters, your financial problems with public debts and government budgets in general will soon be over in no time, thanks to a financial innovation, called IBG.
Also, your approval rates will sky rocket faster than you think... Only in case you embrace IBG of course.
Without it, you’ll never really improve your country.

We can all agree that global tensions have been growing into a deeply worrying situation...
A situation that hardly benefits any country, if any country at all. Even if left leaning commentators claim that the USA is pulling everything in favor of their country... These commentators are wrong. At best, it will be short lived advantages. No country in the world can exclusively profit of their geopolitics on the long run, while the other nearly 200 countries feel disadvantaged.
Only with IBG, the USA can gain longterm advantages on short notice and that while other IBG countries will benefit as well.

Before bringing the details of this remarkably good news, that will lead to the first stage of World Peace, without giving the weapon industry a hard time (although many would argue that they would deserve it),
let me ask you this:
Doesn’t common sense tell you that eventually, all of these geopolitical tensions aren’t helping any nation getting on with their lives and its progress, when it comes to internal issues?

Aren’t you getting tired of making each other’s lives miserable by adding yet another decision on top of the long list of irritations?

Short term success(es) on behalf of other nations interests won’t last, as it usually generates backlash.
It’s time for nations to become aware of the fact, that they are playing a stupid game.
Do I have a clever game then?
Well of course. I have a proposition, that every single one of you will gladly accept. 



Is it bold of me to assume that the three military superpowers will gladly accept IBG?
Perhaps at first glance, but after having read the ins & outs of IBG, you will definitely understand, why I can make this ‘bold’ claim...
Someone who knows all three presidents, understands that all three value one thing more than anything: Sovereignty. So far in the history of mankind, that meant only one thing: The urge to be sovereign or having the power to defend your homeland, where people of yours decide, how society is run, not foreigners.

No matter how tough it is for a nation or tribe to lose its sovereignty to any invader... There is always hope to regain sovereignty over your land on the long run.
That concept however would die immediatly, in case AGI would have access to the internet after singuarity   
China, Russia and the US have all their own domestic problems. I’ll mention none one them, but the one problem, all countries have in common: the pension system. Luckily, someone came up with a proposition,
that will enable things, you wouldn’t dare to dream of.

IBG will also enable astonishing System Features for businesses and citizens, that will make voters very thankful. Amongst the most ‘brilliant’ minds of the financial world (no matter whether we talk of professors in economics or financial experts, that are closer to the financial reality), there is NOT EVEN ONE person,
capable of developing a financial system, that could trump IBG.

IBG motto:
"In a truly advanced civilization, lack of funding can’t be the cause for NOT realizing the best solution imaginable."

So far, lack of funding was a gigantic hurdle for the progress of mankind. Imagine how life will be,
as soon as this negative spiral, countries are experiencing nowadays, gets flipped into an upward direction,
because governments can afford State of the Art solutions for ANYTHING under ANY economic circumstances.

In a minute or two, you will read about my proposition, but first a summary of our situation:
This planet is all we have. Forget about whether climate change is man-made or not...
Our eco systems are fragile and mankind is still behaving badly, almost as irresponsible as criminals on an airplane, shooting with fire-arms mid-air. The waste of resources is stunning and that's a fact.

Hostility has been rising again. Not since NATO broke their oral promise the first time in 1999, not even since the second wave of new NATO members east of East Germany with literally NATO members now flanking Russian borders, although this was the first crack of Russia's trust in the West.
Due the violations of human rights of ethnic Russians in the Ukraine that began in 2014, after pro westerners  overthrew the democratically elected President of the Ukraine, who happens to be pro Russia, the hostilities between the West and Russia started to move towards a Cold War 2.0 scenario, almost a quarter of a century after experiencing a pleasant feeling of liberation from a major hazard: The thread of a nuclear war.

We all hope that World War 2 was the first and last war, in which vast numbers of people were killed by nukes and precious (farm) land was annihilated by turning it into a wasteland, covered with radioactive fallout. For a few decades that outlook of not having nuclear war, was real. However, the renewed state of geopolitics, we are in right now (let's call it Cold War 2.0), must be undone.
There's no need to point fingers. Thanks to your intelligence services, you all know exactly who did what. None of you is known for impeccable behavior, which is okay, as no one of you is considered holy. No one alive is considered holy though.

Definitely not holy are NGOs such as the UN, the WHO and the IMF. None of them can be remotely proud of their poor achievements. At least in the West during the 1980s, children were taught at school, that the UN organization was founded to maintain or establish peace all over the world. If you take a closer look to their actions, it's quite childish to believe that they are dedicated to establish peace.
The WHO is supposed to acomplish Sustainable Development Goal No 3: "Good Health and well being".
This organization has no intention whatsoever to stop the 'food' industry from selling harmful products. When it comes to covid, we could all see how much well being they care for: All these tyrannical covid measures... Also at schools, guilt tripping children for being potential granny killers. Since when is a healthy person supposed to take 'medicine' for someone else's health?! What happened to the human value of parents sacrificing their lifes for the future generations? Human Rights were thrown overboard to control the outbreak of a 'killer' virus, that has a mortality rate of the flu.

Within the current framework of the financial system, these NGOs can't accomplish peace nor bring substantial prosperity in poor countries. On contrary, even in so-called rich countries, prosperity for most of its citizens is decreasing fast. 



Wouldn’t it be great if the biggest military/economic powers agree on making peace among them?
Striving for World Peace is peachy, but the reason why I don’t include every country at this point is the following:
Bringing together China, India, Japan, Russia, South Korea and the US is relatively easy. These countries are part of the so-called "low hanging fruit". They are also essential to the first stage of a partial World Peace. That's the first and most crucial step towards World Peace. After that you can add many more countries to the IBG Nations Club. This club can easily do without the less easygoing countries (or the high hanging fruit).

The billion Dollar question in regard to the three military superpowers:
"How can we smooth over all the resentments that we’ve been piling up through time?"
Well, it starts with the perception, that NOT forming new resentments, will grow trust and mutual appreciation.
If that alone would be sufficient (what ideally should be the case), it would have been done already, so there is something necessary to smooth things over: Handing out shitloads of money.
Ethical critics might say that it’s not exactly the most noble type among solutions, but it surely is the most effective solution in the history of mankind.

Governments need money all the time. The more money, the more results one can achieve. Financial critics might say that throwing billions extra doesn't help. I agree. Extra billions would on average come down to budget increases of tens of percents at best, so that wouldn't even reach factor 2.
IBG on the other hand can easily realize factors with three digits if necessary, while keeping monetary inflation at zero percent. I guess that every one can agree that an budget increase of the total household budget by factor 3 or in some cases up to factor 20 will achieve substantial improvements.

An other reason why achieving peace seems to be extremely tough, is the success of the weapon industry since WW2. Their profits went through the roof and their lobby established a strong influence. Through a huge investment package that will make up for losses, because of a more peaceful world, their focus can be
redirected from their familiar weapon portfolio to space weapons, that will form a defensive shield against extraterrestial hazards. Think of asteroids: Wouldn't a network of weapons, covering the entire asteroid belt, be a nice alternative?

Taxes and Expenditure:
Collecting taxes is time consuming and costs vast amounts of resources, while the end results are mediocre at best. Let's have a look on what level of revenue would be preferable. Countries differ in population size, so in order to make decent comparisons, one needs to convert total spending per year to spending per resident per year or spending per capita per year.

If you do that, the ‘winner’ isn’t the USA or a Scandinavian country, but quite a small country, namely Luxembourg, spending about $ 48k per capita (2019). In 2026, any western country could use at least a hundred grant per capita, without spending even a dime on debts and interests.

As you got a glimpse of IBG's capabilities, let's wrap up the summary of our situation:
After eight decades, it’s certainly time to move on by saying goodbye to the UN, because the world changed several times and this NGO is hopelessly lost... They have nothing positive to show for. Not even their financial situation. Ethically they are bankrupt for some time. Soon, the financial aspect will catch up.

With the end of World War 2, the Information Revolution took us into a new age:
The Age of Information. By the time live TV, cam recorders, video recorders and home computers were normalized, the Soviet Union collapsed and with it, the potential danger of a global thermonuclear war disappeared. A war, (mainly) on the Northern hemisphere, that could have ended the majority of mankind.

From 2020 on, governments in Western countries, demonstrated that they are willing to apply methods, one would expect in fascist states. Simultaneously, the West had the audacity to KEEP pointing fingers to countries, they have been labeling as dictatorships for years, although these so-called democracies themselves have been testing trades of dictatorships.
Where most western countries have 'merely' lowered themselves to the level of dictatorship light, Canada and the UK turned into quasi dictatorships. When you solely focus on arrests over opinions per one million citizens, the UK is worse than Russia.

Russia 2023:
3,253 arrests (2,707 convictions) on 145.4 M citizens = 19.5 arrests per 1 million  (  18.6 convicted)

UK 2023:
12,000 arrests (<10% convictions) on 67.8 M citizens = 174.7 arrests per 1 million (<17.5 convicted)

A core element of UK's democracy is thrown overboard. Freedom of speech exists only for those, who agree with the leading opinion. The rest will somehow face consequences for uttering their opinions. This rest is about 50% of the political spectrum that has been a legitimate part in every democracy in the western world,
since the start of western democracies 1707-1848 (Great-Britain, USA, France, the Netherlands and Germany)
The left trying to delegitimize about half of the political spectrum is actually nothing less than anti-democratic.
A government body (national or supranational) is also anti-democratic, if it wants to dictate what information source you are allowed to use. Many can't wait for the UN and the EU organizations to collapse.
The membership of IBG should be granted by the 3 military superpowers to EU countries that stop funding the EU apparatus and stop implementing crazy EU policy. 

The Covid measure tragedy ended in 2022, just days before Russia started its military campaign in the Ukraine. That proxy war escalated tensions between superpowers even more and by that the risk of sparking yet again another World War has been growing, but don’t you worry:
WW3 will definitely not come, thanks to a genius plan, that will please the three military superpowers. In alphabetic order: China, Russia and the USA.
President Trump will see the potential of IBG to secure the Midterm elections by a vast margin and use the fruits of it to go into the history books as most accomplished President of the United States.
Also President Putin and President Xi will gain massive support by embracing IBG, that will smooth over also internal difficulties.

Anyway, through numerous NGOs, mankind made its situation overly complicated. In the history of mankind, the phenomenon NGO is relatively new, but after several decades, where a few shifts in the Zeitgeist took place, it’s safe to say that now is a good time to reflect.
A new financial framework will get rid of neoliberalism, which is the most disrupting form of capitalism. The replacement system won’t be one of the two, developed by the power blocks that be. Neither the currency system, developed by China and Russia, nor the CBDC system, crafted by the EU and other Western wannabe dictatorships, wil dominate the world. The final replacement system will be IBG.

 

                                             IBG or Instant Budget Generating

IBG is the ultimate solution for ending the existence of really undesirable financial phenomena. Instead of muddling along, we can now transform the financial system in a way, that our governments will get several times bigger budgets, without depending on taxes, while public debts will become things from the past.

After reading this public letter, people will scratch their heads:
“Politics can be done like this? I never thought of that.”
Something truly amazing, that will bring the Top 3 military superpowers together, is now on the table.
IBG is a quantum leap in the area of monetary systems. It will supply so many financial means to governments, that there will be no need whatsoever to act hostile among each other.
It can be said that IBG is reason why World War Three is definitely canceled!!! One could argue that President Trump is making great deals on the background, applying 4D chess or something, but like I said before with so many words: Achieving peace between the three militay superpowers is peanuts for IBG.

It will be a huge relief to the whole world, that something was put on the negotiation table just in time. Something capable of serving literally all financial interests effortlessly. With about the same level of ease that applies to any winner of the World's Strongest Man Competition, when asked to pick up a feather.

IBG will enable a fresh restart of the relationships between the military superpowers as new members in a new club, where they can coexist as good neighbors AT EYE LEVEL... FROM DAY ONE! Very soon, Beijing, the Kremlin and the White House will have meetings over IBG and durable peace, because completely against all expectations, there is finally something available, that China, Russia and the United States will persuade to stop this military escalation, that is unfolding in slow-motion. IBG is a refined concept that will improve the global monetary system in a way, nobody would ever dare to dream of.
Seemingly, not even one financial expert felt the urge to develop an upgrade for our monetary system for realizing the unimaginable. It might be related to the fact, that the people, maintaining the financial system, are not exactly highly motivated, as they have been making quite some money, enabling them a more than decent standard of living, in stark contrast to average people.

Political projects, that would bring forward real changes, cost shitloads of money almost every single time… Money, that governments simply don’t have at their disposal so far and never will, as long politicians hold on to that ancient concept for generating government budget: All sorts of taxes (and then some)!
Collecting taxes is a concept that - even long before the introduction of mankind’s first money coin around 7 centuries BC - has been part of daily life, so it’s ancient! It is in no way criticism.
There was no alternative to government budget other than taxes. Other sources like permits and fines are merely suplementary. Compare it to digital information storage:
It started with magnetic data tapes. It didn't hold us back to eventually use Solid State Drives.

The beauty of IBG is that from now on governments won’t have any excuse left for NOT choosing the best thinkable solution to ANY problem. So, the choice for a solution will no longer depend on financial reasons. The need to settle for economically feasible solutions will be no more.
Anything will become economically feasible in politics. IBG will put an end to the phenomenon budgets-cuts… For governments, that is. There are more financial terms, that will disappear from daily life, such as taxation and the subsequent obligation to tax declaration.

IBG will be the first form of capitalism, dealing with all the ethical issues, that for most part stayed unresolved to previous variants and definitely got stuck to the current system.
It must be noted that unresolved issues tend to grow bigger, when not dealt with properly.
Whether one is living on welfare or one is a billionaire won’t matter…
Every citizen of a country, that is part of the IBG Nations Club, will soon have the privilege, that one never can get in trouble with the tax authorities, because the main source to generate government budget won’t be tax collection any longer. If that isn't great news, I would't know what is.

No matter what political ideology you stand for or what you believe religion wise...
I have exceptionally good news for everyone. You'll be surprised how easily IBG will change our course in the right direction. The information on this web page will lead to the biggest systemic change, known to man. This change will enable substantial improvements, that come with overwhelmingly gigantic price tags. As you probably are starting to sense, we don’t have to worry about the costs, as we now have this option with the name IBG...
A genius way for governments to finance anything, anytime.

So again... IBG stands for Instant Budget Generating and will make short work of a number of very undesirable economic and/or political phenomena, such as:
- The reoccurring necessity for government "budget-cuts" during annoying "budget meetings",
    that normally result in "economically feasible solutions"
- The state of insufficient government budgets on a structural level
- "Public debts"
- "Debt ceiling" and the possible consequence "Government Shut Down"
- "Harmful inflation" (= beyond 2%) up to "hyperinflation"
- "Tax collecting" and the mandatory "tax declaration"

Directly after installing IBG, financial pressure on governments worldwide to compete each other's economies will be taken away. By doing so, IBG will also improve relationships between the West and countries like Russia and China, reducing the chance of a big scale (nuclear) war to 0!!! IBG is the geopolitical glue that will brig the three superpowers together.
These superpowers can focus much more on internal issues, if they don't have to watch their backs constantly for other superpowers.

If there is a good time at all for a time-out that our species can really use, then it’s now, because no matter what group you're part of… Extreme left, left , center, righr or extreme right. It doesn't matter. Every group is dissatisfied.
It’s not as if there is any group, thinking that things couldn’t go any better. We are all more or less dissatisfied with not just something, but with a list of several issues. Every group is in conflict with one or multiple other groups. Within a group, there are also conflicts.
Between members and even within an individual, there can be struggle.
There is division on so many levels, that it crippled progress of our species.



Is there any competition to IBG as a replacement for neoliberalism?
Not really. The 'replacement' of neoliberalism, developed by the West is so bad for citizens, that it isn't even worth mentioning. Its motto could have been: "Stay or become poor and live as prisoners, in order to save the climate."

As the world financial system / neoliberalism is crumbling for some time now, it’s understandable that Russia and China teamed up to create a new form of currency system: the BRICS Payment System
Potentially, it's more stable than the dreadful fiat money concept and maybe it would work out rather niceley for participating countries. Stability would be fine, but the capacity has its limits.

Anyway, there is now something available, which is MANY TIMES better than whatever known system.
Until the day, this “something” aka IBG gets implemented, reality is as follows => Where countries worldwide are trying to deal with a wide range of political issues, one rule is still being applied:
"Political solutions need to be economically feasible."
The consequence of this is that the best solutions must be ignored most of the time, in favor of affordable ones, which are at best suboptimal and that is really sad!

Before presenting the ins & outs of IBG, it’s useful to put also mankind’s financial history briefly in perspective, so you really understand, where we are coming from. 
* Until the first money coin was made, all trade was barter trade
* The age of coins and banknotes (cash)
* The age of cash and electronic forms of money (cards and mobile devices)

Let’s regard that history, which started around the 7th century BC until now, as a try-out phase for financial ideologies. After experiencing several financial ideologies in a number of countries for decades (socialism and
neoliberalism) and capitalism in modern age democracies (Social market-economy around the start of the 20th Century until late 20th Century) and an ideology that ran for centuries (ancient capitalism under kings), we must face the fact that neither one of those is capable of fulfilling the needs of most people in the 21st century.

A good ideology should be capable of tackling not only basic issues, which people already faced early twentieth Century, but also capable of dealing with 21st Century issues.
When it comes down to generating government budgets, every known financial ideology either already proved (socialism) or will eventually prove that it will fail its people. Neoliberalism is next in line to collapse and therefore it will be really smart to replace it, before that happens!
Many people object socialism and communism. There are also many, who hate capitalism, while experiencing neoliberalism. In order to find a broad consensus, we need a third way!!!
With IBG, governments will have much more than a decent budget every year to come. Finally, we can forget about that seven lean years, seven fat years story. Instead, we will have solely financially perfect years, as governments' budgets will be completely INDEPENDENT of how the economy is doing.
There will always be enough money to afford State-the-Art solutions (top-notch solutions if you will) for ANY issue and in EVERY SINGLE case under ANY economic situation, thanks to IBG!!!
This year, a new club will be established and voters, as well as politicians, will be genuinely happy, as soon as their countries become members of the IBG Nations Club. This new club will include the three military superpowers, other industrial nations and most other countries.
Senior citizens in countries, that are members of the IBG-Club, will finally have decent pensions, that will not only be guaranteed, but on top of that their pensions will be indexed… Year, after year, after year!!!
Pension funds will be large enough to afford indexation in any given year, no matter how big or small the world economy turned out to be the year before, for the simple reason that thanks to IBG, there will be an autonomous, pension system operational!!!



Do you know what the problem is with countries in general?
For certain reasons, people assume, that it’s normal for countries to compete each other. In a certain way, it's comparable to the competition amongst companies. Sadly enough - within the framework in which our global finance system is installed - this mindset actually was necessary for countries to “get ahead” on the expense of other countries.

Except for maybe a city state, no government in the world is able to generate a budget, big enough to afford State of the Art (or top-notch) solutions for ANY issue, in EVERY SINGLE case ANY time!!!
Even so-called rich countries couldn’t pull this off during times of economic boom, but that is going to be changed very quickly, thanks to IBG.

Let’s face the harsh truth about the global financial system:
The problem is that a finance system, which was designed for the the world of the 19th century, isn’t capable of dealing with 21st Century conditions and problems, as the government budget systems were designed to cover just the most basic government tasks.
Unfortunately, today’s tax systems don’t cut it anymore, as since the end of the 20th Century, there are much more issues, thus a bigger demand for solutions that also need funding, than there were at the beginning of nation states.

What we can learn from recent history is, that with the current system even governments of so-called rich countries haven't been and never will be able to generate budgets, big enough to afford State of the Art Solutions for ANY issue in EVERY SINGLE case... Even during times of economic boom.
These countries most certainly do not need to get their hopes up, achieving sufficient financial
means for State-of-the-Art solutions for most issues. How that goes in less rich or downright
poor countries, is something, we don’t even need to bother asking ourselves, do we?

Instead of getting State of the Art solutions, governments have no choice but picking economically feasible solutions for about anything and even for those suboptimal options, governments need to complete their budgets with new credits, most of the time.
Relatively new phenomena, such as swaps, derivates, short selling and what not, make it too complicated for the average minister of finance to get a grip on the economy.

Ergo:
We must acknowledge, that under the present framework of the global finance system, even during favorable economic circumstances, the best results, which the richest countries in the world can achieve with their tax systems are just SUBOPTIMAL budgets, to say it nicely!

Without fundamental changes to that framework of the global finance system, governments get done less and less tasks adequately, while more and more people will slip below the poverty line!!
This moment in history is a really convenient time to ditch an ancient part of the financial system, namely the tax system. We’ll do that by replacing this system with a new procedure to generate government budget. The increase in capacity, efficiency, speed AND reliability will be mind-boggling.



What exactly is this replacement, called IBG?
Instant Budget Generating will easily generate substantially bigger budgets for governments. Instead of scraping together countless amounts of money via numerous types of taxes, licenses, fines, etcetera, one could also think of generating the whole budget in one time, by letting a bank create the complete amount with a single credit, once a year.
The philosophy behind IBG is, that we as a species shouldn’t make life unnecessary hard for ourselves. When our ancestors invented money, the idea behind it, was to make trade in daily life much easier. Now, we reached the point in history, where we can create the budgets, we like.
Ministers of Finance won’t have to worry anymore, whether the intended revenues will be achieved.
With IBG, failing to reach the financial aim will become inherently impossible.

Do you know what's exhausting? Figuring out a new set of tax rates to achieve a certain level of revenues! Most of the time, the revenue will be less than the planned expenditure, which leads to new credit applications. This is unnecessary stress with respect to public debts:
The combined public debts globally got even worse during the Covid situation, when it used to be about $ 90T. Global public debt (or public debt) reached a total of $ 102T up to $ 112T, depending what website you look.
Regardless, no amount of money that economists can imagine, is in anyway challenging to IBG.
Economists: "Ooh, what about $ 100 quadrillions?" => IBG: "Yawn!"




                                  Installation of IBG will take place in 3 phases




P h a s e  1:            Getting rid of all existing public debts in one blow

Generating a sum of money that will cover all public debts INCLUDING agreed interest, according to the beforehand agreed terms is the first job, IBG will do. After that, nearly 200 countries will start with a clean slate, regardless whether they will join the club of IBG countries or not.

Even before IBG is completely installed, it will make short work of all public debts in one single blow…

NOT by cancelling the debts as that would be a breach of property rights, but by paying them off INCLUDING interest, according to the beforehand agreed terms… IN ONE TIME!!!




P h a s e  2:          Generating government budget

How will IBG work? / How big will those budgets be?
In order to determine a number, it was helpful to compare the expenditures of all countries, by
dividing the total expenditure of a country by its population. Long story short:
Luxembourg is clearly the #1 with over 61 thousand USD per capita in 2023 .
The Top-5 was complemented by Liechtenstein, Norway, Denmark and Switerland ranging from $ 32 thousand up to $ 49 thousand.

Banks creating credits, is nothing new. The only thing a government needs to do is determining a precise number of its population. Converting population to budget is straight forward:

BUDGET country X (next year) = POPULATION country X (end current year) * AMOUNT per capita

Subsequently, the government of country X will send this figure to the bank. After that, the bank at hand will generate this budget with one single credit. Only after transferring this credit to the bank account of country X, the bank will automatically get the permission to create its fee of let’s say 1%. This fee will replace the interest in case of governments.



How will that AMOUNT per capita be composed?
For starters we take the biggest amount per capita in 2019. That was $ 61 thousand per capita.
On top of those $ 61,000 per capita, a basic income will be added, which needs to be right at the spot, where the costs for a dignifying life are covered and where luxury starts, as an incentive to find job opportunities.
It speaks for itself that the monthly amount must exceed the psychological line of 3 figures.
Furthermore, must every household receive $ 900 / month for rent. The average size of households
in the US in 2021 was 2.51 people. Also the total cost of health insurance per month per capita, incl. the employer's contribution, will be added to the budget per capita.

An addition for a minimum amount per capita per year:

* For starters the biggest amount per capita per year in the world: $ 61 k
* $ 1000 per month for basic income comes down to an additional $ 12 k per year on top
of the mentioned #1 amount per capita

* $ 358.57 per month for rent compensation per capita ( = $ 900 per household / 2.51 )
is an additional $ 3.1 k per capita per year

* $ 500 per month for total health insurance is an additional $ 6 k per capita per year

=> Combined, that's at least $ 82.1 k per capita per year. After adding 23% inflation correction
over the period 2019 to 2024, which is $ 18.9 k, the actual figure per capita in 2024
will be $ 101 k. This figure can be used in the following formula:

BUDGET (next year) = POPULATION (current year) times $ 101 k

For the USA for example, that will be:
346 M x $101 k = $ 35 Trillion annually

Isn’t this the next level of printing money, which ultimately will lead to substantial or even
hyperinflation?
No. While installing IBG, the two main causes will be removed. Till now, inflation in an arbitrary
country can have the following causes:
1 The currency of a country is sold massively on the foreign exchange market.
=> By freezing the exchange rates, IBG will make the foreign exchange market obsolete
      for IBG-members.
2 The central bank of a country prints money faster than the growth of real output.
=> Once the foreign exchange market is obsolete, a so-called 'healthy' balance between
      increased money volume and real output is no longer necessary. With the introduction
      of IBG, the values of the currencies of IBG countries will no longer be affected by the
     rules of the foreign exchange markets, as they won’t participate any longer.

Maybe those markets will continue for non-IBG countries, but IBG countries will simply generate credits once a year for all participating governments, while the frozen exchange rates will remain applicable once and for all.



What about trade with non-IBG countries?
It will be barter trade in combination with gold as complementary commodity.




P h a s e  3:  Implementing IBG’s System Features

Should there be a synchronization of prices?
To avoid any fuss between countries, a 'thing or two' must be synchronized. Wages and prices in the US have somewhat the same order of magnitude across most north-western European
countries. Those (price) averages in these countries resemble the wages and prices in the US to some extent.
Based on these countries, minimum wages per profession can be determined to prevent substantial differences in spending power. For similar spending power, there must be similar prices as well, especially for end products in the category basic needs. The exchange rate will be frozen at the moment of entry/joining.
Whether synchronization of prices is necessary, depends on the outcome of the converting of prices:
If the price is above the minimum price, then there will be no obligated adjustment. Only when the price is below minimum, it must be risen to minimum.
All participating nations will implement these new standards by adopting them as their own
minimum prices and wages.

How liberating is it to say good riddance to a bunch of bureaucratic routines, enforced by tax
authorities worldwide, by starting to live in a new and many times more pleasant reality?
+ No tax forms are needed anymore... nor on paper, nor as e-form
+ No more unpleasant communications with the tax office
+ No more having to fear tax raises
+ No more tax payment reminder or final notice
+ No more tax fines or jail time for tax evasion

This economy independent form of generating government budgets will make short work of
international conflicts, because there is no need any longer to improve the competitive edge
of its economy to boost tax revenues at the expense of the economies of other countries, which potentially could lead to conflicts so far. Not only will government budget turn out bigger without taxation. Everyone will be freed from the bureaucratic tyranny of the tax authorities, whether you’re rather poor, making a good living or whether you’re (super) rich.
The same goes for businesses, whether it’s a small business, an average sized business or a
multinational corporation.

Everybody will be thrilled:
* Governments will have more spending power than ever.
* Banks will get their interest surrogate much earlier and completely guaranteed.
* Society will be blessed with State-of-the-Art solutions for literally everything, all the time.

 

What about people, who are making a living out of the tax system?
The data hungry world, that we live in, requires a lot of work in form of collecting and processing data. While police officers,who actually patrol the streets, medical care personnel and teachers are becoming sparingly, this change is a great opportunity to retrain tax office employees in particular as essential job supporting Data Entry Operators, who will do the ‘paperwork’ for them in real time.
At the end of a shift in the field, an essential worker just needs to read the newly created report to verify and signing the information, for it to become official.
This way essential workers can spend more time in the field, instead of wasting it on bureaucracy.



What are these astonishing System Features for citizens and businesses?
A FULL WAGE PAYMENT GUARANTEE
B BASIC INCOME
C INSTANT REVENUE GUARANTEE
D FULL PENSION INCLUDING YEARLY INDEXATION GUARANTEE
E SUPPORT TO SPECIFIC GROUPS


A FULL WAGE PAYMENT GUARANTEE
For employees, pay day will be pay day... Without ANY ifs and buts! The bank will transfer the wage, based on the registered working hours, directly after receiving these working hours, regardless whether the employer has cash flow problems or a disagreement with the employee.

In case the employer thinks a deduction is justified, then the employer can send the bank a
notification. On the same day, the bank will generate a credit on the employer’s account. This way, tensions are stopped from running even higher and both parties can dispose of the money where the conflict is about, until there is a final court decision.

In case the employee is found to be right, a direct debit will take place on the employer’s bank
account and the disputed amount will be transferred to the bank account of the lending bank.
In case the employer is found to be right, a direct debit will take place on the employee’s bank
account and the disputed amount will be transferred to the bank account of the lending bank.


B BASIC INCOME
Ever more far-reaching automation and the use of robots cause a decrease in job opportunities and by that, constantly growing tensions on the job market will jeopardize social cohesion. Some say, that AI will lead to new jobs, but it's very questionable, whether that number is enough to replace all the jobs, that will be lost.
To prevent further decay of social cohesion, a standard core income or basic income, guaranteeing a dignifying existence, must be arranged. Basic income needs to be regarded as a necessity to financially support people, who haven’t found a job yet or business model to earn money on their own.

Basic income will be at least $ 1200 / month. Besides that, a home rent compensation, dependent on the household type will be granted.
Any job opportunity one can get, will be a bonus on top of basic income to have some luxury. This way, for the first time in the history of mankind, we can solve poverty without killing the incentive for finding a job.


C INSTANT REVENUE GUARANTEE
Any firm, shop or service provider will get the whole amount from any deal on the same day, the deal was sealed, from the bank, while customers can pay in installments. That way, the retailer will have the money as part of the revenue immediately.


D FULL PENSION INCLUDING YEARLY INDEXATION GUARANTEE
Pensioners will get what them is promised at the time when their careers started plus on top of that a personal price inflation correction every year, without any exception. Pension funds will calculate one year ahead what is needed next year and on every 31st of December, the banks will generate the budgets for pension funds with the same method as used for government budgets.


E SUPPORT TO SPECIFIC GROUPS
* Low skilled employees and uneducated workers. Minimum wages are so low, that the
   ones concerned can’t afford a dignifying life style, even with several jobs. In quite some
   welfare states, the differences between minimum wages on one hand and welfare with on
   top of that several allowances for rent, health care etcetera are too low.

   An effective instrument against this, is a combination of the following two aspects:
   1) Higher wages, especially the minimum wage should be at least $ 12/hour.
   Employees: Don’t forget that you don’t have to pay income tax anymore.
   Employers: Don’t forget that you don’t have to pay VAT and other tax types anymore NOR
                        the employer’s contribution in things such as health insurance and pensions.
   2) Basic income on top of wages is an easy way to raise income, without burdening the
        employer.
    The remaining man-hours after massive lay-offs, due to automation, must be redistributed.
    A decrease of the daily hours per employee has also some advantages for companies:
    + Thanks to more free time and shorter work shifts, coworkers will come more rested to
        work and stay sharp during the whole shift. Less mistakes means improvement of the job
        quality, which will have a positive effect on profit margins, customer’s satisfaction and
        durability.
    + New employees can be hired, by which firms will have more people to their disposal that
       can jump in during stand by duty, so the offered service providing will become more
       reliable.

* Farmers. For every product, farmers will always get paid at least a minimum price, that has
    yet to be determined, out of which they can make a decent living. Although bio products are
    favorable, they can’t feed the whole human population any time soon. Therefore,
    governments need to monitor season by season how much conventional agriculture is
    needed.

* Fishermen will get paid a monthly compensation, based on profits in the past, as long as
   they don’t fish during the (yet to be installed) moratorium on fishing endangered species.
   Whenever fishermen do fish, it must be forbidden to throw by-catch overboard.
   If customers don’t want it, it can still be used for feeding farm fish.

* The Office Supply Industry will be compensated for profit losses due to lowered demand,
    together with the concerning employees for their losses of working hours. BTW:
    Do you have any idea how much resources will be saved by canceling nearly all activities in
    tax offices? (Paper, toners, pens, Post-its, folders, desktops, IT equipment, etc.)

* Anyone who is making a living at a tax office. New jobs that require similar skills will be
   created. Meanwhile these people can count on compensations. The same goes for tax
   consultants.

 

 

What people  globally want

+ Peace between military superpowers. Having nowadays all the knowledge, we accumulated
   during several Millennia, wouldn’t you say it’s about time, we finally distance ourselves from the
   primitive behavior of Cain, kings and other warlords of the past (civility level zero) by negotiating
   a durable peace treaty amongst the three most powerful military forces of the world?
   Since 1948 there was an upward trend towards level one of a civil society globally, but somewhere
   during the 1970s the speed in which we were distancing ourselves decreased and at some point,
   we started moving downhill, back towards Cain again. With IBG, we can move in the right direction
   again AND finally arrive at level one.

+ Better traffic solutions:
   * Faster construction/maintenance methods
   * Advanced data sharing on traffic flow (traffic jams due to peaks in traffic, due to incidents
       or other forms of blocking, progress of road construction in case of repair, maintenance or
       new road projects)

+ Improved emergency services:
   * Faster fire detection / faster communication, but also better safety checks (as prevention
      trumps rescue) and more use of autonomous firefighting systems
    * A better working police force by paying cops more which means less corruption & hiring
       extra desktop cops (Data Entry Operators), to do the ‘paper’ work online and (virtually)
       in real time
    * Better spread of ambulances and mobile ER embedded in ambulances

+ Better healthcare, better homes for the elderly and better youth care by improving real wages
    and hiring more people. While we are on the topic of health, there should also be more focus on
    differentiated methods and medicine, tailored to the elderly, women and children

+ Decent education by hiring more teachers ( less students per teacher = more focus per student),
    thanks to better salary AND a more efficient way to find job opportunities by centralizing
    job vacancies, teachers that are looking for a job, can't miss a vacancy, contrary to the current
    situation, with a fragmentation of job sites

+ Everyone at least a fair minimum income, that covers all basic expenses, based on realistic
   prices and a robust pension plan, that guarantees not only a just pension, but also a yearly
   customized inflation correction

+ A network of healthy eco systems worldwide, meaning a clean atmosphere, healthy trees on
   clean land, clean oceans, clean seas, clean rivers, all filled with plenty fish, like a chief of the
   Cree tribe once said in so many words

+ Restoring privacy rights IN THE WEST:
   Revoking all privacy violating laws, that came into existence since the beginning of the 21st century,
   by reinstalling privacy rights that used to be common not that long ago

+ The end of all rumors about the nearing end of cash money! This wish of certain people will be nipped
    in the bud with an official statement, that the use of cash money will be available in any country,
    as long a citizen born before 1970 AD (18 year-olds during the late 1980s, when ATM machines became
    mainstream) is alive, so let’s say until the year 2070 AD (when they will become 100+ years old) Why?
    Because voters don't want to be bothered anymore with news about plans involving canceling cash money!



What do I expect for 2026 from world leaders?
I expect nothing less than successful partnerships between any government that becomes member of this absolutely necessary new club, called the IBG Nations Club.

World leaders don’t have to feel bad about relying on old knowhow/strategies. After all, not even the renowned financial experts could come up with such a brilliant concept. In the section capitalism, IBG will be literally the most fortunate concept, ever conceived.

Finally, we can change the course of humanity in the right direction...
Thanks to an upgrade for the financial system, called IBG.

Sincerely,



Marc Herbst