Forward Union
24th July 2008, 19:01
Our homes should cost £1.00 a week
To give an example of how corrupt banking, taxes, usury (the charging of interest on money) actually is, here’s a simplified look at how much our homes should cost.
3 bricklayers working 40 hours a week for 3 weeks = (360) man hours to build in brick and block a 6 bed roomed house. Carpentry first and second fix, 2 men working 40 hours a week for 3 week = (240) man hours. As its new build, plumbing and electrics 4 men working one week 40 hours = (160) man hours. Roof tiles felt and lath 2 men working an 8 hour day working for 2 days = (32) man hours. Put a good slate roof on and it will last 200 years. Many homes (buildings) last for hundreds of years if built with care and quality materials and skilled workers.
360
240
160
032
That’s 792 man hours of labour, 19 weeks at 40 hours for the actual building.
So applying the same principles to building materials, with modern technology used diligently, for simplicity sake 708 hours
708 hours plus 792 hours.
1500 man hours total to build a 6 bed roomed house.
£10.00 per hour as an example to keep it simple and easier to understand. But really it’s about the amount of work we put into the community. And how usury devalues our spending power, of whatever currency, paper, metal, credit (numbers on a computer screen, your bank account) it is applied to.
If you needed to borrow money say £15,000 (the total in this case) as you pay no interest (usury) you pay back just the £15,000 if you do that over 50 years. = >6 pounds a week. Or even better pay, one pound a week to start, gradually pay more as you get you new work of the ground then after 25 years start to decrease the payments back so as to meet the original sum.
If after 50 years you can’t repay any remaining money back due to unforeseen circumstances and I’m sure you should get some help from your family and local community and there would not be much to pay back at that point in time, because we should have shared our work and wealth. In fact with the help of our family, friends and local community this would not be difficult at any time. And never the less All Debts Forgiven.
Some might say that its 6 pounds a week and not one pound. But remember that these homes can last many generations for only (1500 man hours)
---------------------------------------------------------------------- --------------------------------------------
Example:
Six bed roomed detached house in surrey built in the 1970’s on a small! plot in suburbia.
http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=6 52320 (http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=652320)
(Probably an expired link now as it was written in 2007)
£899,950
2007 bank rate rise to 5.5%.This can change any time the bank decides.
http://www.thisismoney.co.uk/mortgages/article.html?in_article_id=4201 99&in_page_id=8 (http://www.thisismoney.co.uk/mortgages/article.html?in_article_id=420199&in_page_id=8)
Loan repayment calculator
MONTHLY PAYMENT This calculator shows what your monthly payments would be for a given loan, where interest is compounded monthly. Payment protection insurance is excluded.
http://img.thisismoney.co.uk/calculators/calcLoanPay.html
Amount borrowed
e.g. 5000, no commas
Term Months Years 50 years
Interest rate % 5.5%
(Actual interest rate & not the APR) %
RESULT Calculate
Total monthly payment £ 4408.36 < £ 1000.0 per week (more than one thousand per week)
Total charge for credit £ 1745068.6
Total repayment £ 2645018.6
£2 million 6 hundred and 45 thousand, 18 pounds 6p
For something (your home and shelter) 6 men could build in 3 weeks and six men in 3 weeks make the materials.
How Much Can I Borrow? http://www.mortgagesorter.co.uk/mortgages_amount_you_can_borrow.html
Please fill in the following details so we can calculate the mortgage loan value you should be able to borrow:
Annual Income of Applicant
Enter any amount in '000s
£ 260,000 thousand per year or £125 pounds per hour based on a 40 hour week
Annual bonus/commission of Applicant
Enter any amount in '000s OR leave blank
£
You are entitled to borrow up to £ 910,000
----------------------------------------------------
Example only:
Monitoring poverty and social exclusion in Wales 2007Where once child poverty in Wales exceeded the UK average,.... At all ages, at least a third of part-time employees are paid less than £6.50 per hour. ...
http://www.jrf.org.uk/Knowledge/findings/socialpolicy/2096.asp
In the UK it would need at the moment (2007)Ten average earners to get together and work about 25/30 years of there life to achieve the same.
1500 hours as opposed to 500000 hours. 333.3r times more. In this case as far as housing goes and “this example only".
We work 333 days and benefit 1 DAY.
Also we pay Tax, income tax V.A.T. and many more various taxes. So for “example only” if we pay about 50% in taxes.
(And we continue to pay these various taxes when we think we own our homes after the mortgage has been paid off)
We are working 666 days and only benefit 1 DAY.
Allowing for weekends and so called holidays 222 days worked per year that’s
Three years to benefit ONE day.
Very large scale corrupt slight of hand extortion, maintained by the “benefits system” enough to fool most of the people and just enough to get by on for most people (for now)
Titles purposely designed to deceive.
National Economy - a national economy in the western world is totally wasteful; where most products are consumed and thrown away as quickly as possible and are actually manufactured to be waste within a very short space of time; so a National Economy is the opposite of its definition.
Deuteronomy:
23:19 Thou shalt not lend upon usury to thy brother; usury of money, usury of victuals, usury of any thing that is lent upon usury:
FREE LAND AT NO COST. Also with Torah LAW, land should be shared out and not owned.
Green, Sustainable
Economics a Phase of Divine Law
Excerpt only:
When Israel obtained the promised land, it was divided as fairly as possible so that EVERY family should receive its portion. The land was free from debt and the only tax was a tenth part of the fruit of the soil, the tithe being the inheritance of the Levites, who, being engaged in work of national importance, had no land.
The land was inherited, free of death duties, from generation to generation. It had no money value, and must not be sold for ever. The possessors of the land were regarded, not as the owners (for the land was God’s, Leviticus 25:23), but as God’s guests.
Should circumstances compel, it was permitted to sell the land, but the price should be adjusted according to the number of years to the Jubilee. The price was not for the land itself, but for its produce. In the fiftieth, the Year of Jubilee, every family must return to its inheritance. This great event must take place on the 10th day of the 7th month, the Day of Atonement, on which all the people made confession of their sins; it was a day for national repentance. Thus were closely related the economic and religious life of the nation. It was not a day of bondage, but a day of freedom, a day of new beginnings.
"And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof: it shall be a jubilee unto you; and ye shall return every man unto his possession, and ye shall return every man unto his family." (Leviticus 25:10.)
If we are to retain the (questionable) blessings of machine power (and the pollution created by them), the system of finance capitalism with debt and interest must be abolished. In building a new system we must bear in mind the foundation principle of God’s Law * that every person is entitled to a share in the fruits of the soil. It is not possible for every man to possess land and to work entirely on it, but every secondary industry also depends upon the land for its raw materials and the workers for their food from it. Every worker contributes to the wealth of the nation. Those who do not actually produce add their services to the common pool. The sum total of national constructive effort is the true basis of the issue of money, whether in the form of currency or of credit. If the total productive power of the nation can be computed and the national income distributed in fair proportion to every person, irrespective of the nature of the employment, the result would be the same as giving everybody a share in the land itself.
Thus would the first principle of Divine Economic Law be obeyed * economic freedom and security for ALL. (No deprivation and therefore no reason to steal or commit crime in order to survive - JAH). It is not God’s Law that is out of step with mankind, but mankind that is drastically and criminally out of step with God and His Laws (James 4).
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
1 dollar a week home.
To give an example of how corrupt banking, taxes, usary, actually is here’s a simplified look at how much our homes should cost.
3 bricklayers working 40 hours a week for 3 weeks = (360) man hours to build in brick and block a 6 bed roomed house. Carpentry first and second fix, 2 men working 40 hours a week for 3 week = (240) man hours. As its new build, plumbing and electrics 4 men working one week 40 hours = (160) man hours. Roof tiles felt and lath 2 men working an 8 hour day working for 2 days = (32) man hours. Decorate and garden to suit.
(edit2)put a good slate roof on and it will last 200 years.
320 (edit3)darn it that muck mixer went for so many tea breaks lost 40 hours
240
160
32 (edit1) defaulted to edge of page)
752 man hours total 19 weeks at 40 hours for the actual building.
So applying the same principles to building materials for simplicity sake, with modern technology used Diligently.
1500 man hours total to build a 6 bedroomed house.
And a Free plot of Land.
10 Dollars an hour as example.
If you needed to borrow any money say $15,000 as you pay no intrest you pay back just the $15,000 if you do that over 50 years. = >6 Dollars a week. Or even better pay
1 Dollar a week to start, gradually pay more as you get you new work of the ground then after 25 years start to decrease the payments back so as to meet the original sum.
If after 50 years you can’t repay any remaining money back due to unforeseen circumstances and I’m sure you should get some help from your family and local community and there would not be much to pay back at that point in time, because we should have shared our work and wealth. All Debts Forgiven.
And Torah LAW is even better still,(edit) and also FREE LAND AT NO COST.
-------------------------------------------------------------------------------------
http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=652320
£899,950
2007 bank rate rise to 5.5%. (edit 2) this can change any time the bank decides
http://www.thisismoney.co.uk/mortgages/article.html?in_article_id=420199&in_page_id=8
Loan repayment calculator
MONTHLY PAYMENT This calculator shows what your monthly payments would be for a given loan, where interest is compounded monthly. Payment protection insurance is excluded.
http://img.thisismoney.co.uk/calculators/calcLoanPay.html
Amount borrowed
eg. 5000, no commas
Term Months Years 50 years
Interest rate % 5.5%
(Actual interest rate & not the APR) %
RESULT Calculate
Total monthly payment £ 4408.36 (edit 1) < £ 1000.0 per week (one thousand per week)
Total charge for credit £ 1745068.6
Total repayment £ 2645018.6
£2 million 6 hundred and 45 thousand,18 pounds 6p
For something 6 men could build in 3 weeks and six men in 3 weeks make the materials.
How Much Can I Borrow? http://www.mortgagesorter.co.uk/mortgages_amount_you_can_borrow.html
Please fill in the following details so we can calculate the mortgage loan value you should be able to borrow:
Annual Income of Applicant
Enter any amount in '000s
£ 260,000 thousand per year or £125 pounds per hour based on a 40 hour week
Annual bonus/commision of Applicant
Enter any amount in '000s OR leave blank
£
You are entitled to borrow up to £ 910,000
----------------------------------------------------
Monitoring poverty and social exclusion in Wales 2007Where once child poverty in Wales exceeded the UK average, .... At all ages, at least a third of part-time employees are paid less than £6.50 per hour. ...
http://www.jrf.org.uk/Knowledge/findings/socialpolicy/2096.asp
Apologies, i thought it would be easy to understand. The cost to build that house would be 1500 man hours of labour.In the UK it would need at the mo, Ten average earners to get together and work about 25/30 years of there life to achieve the same.
1500 hours as opposed to 500000 hours. 333.3r times more. (edit) In this case as far as housing goes "only".
You work 333 days and benefit 1 DAY.
And tax takes even more from yet again because it is not distributed fairly or appropriately.
Deuteronomy 23:19 Thou shalt not lend upon usury to thy brother; usury of
money, usury of victuals, usury of any thing that is lent upon usury:
Andrew:Warwickshire,UK.
To give an example of how corrupt banking, taxes, usury (the charging of interest on money) actually is, here’s a simplified look at how much our homes should cost.
3 bricklayers working 40 hours a week for 3 weeks = (360) man hours to build in brick and block a 6 bed roomed house. Carpentry first and second fix, 2 men working 40 hours a week for 3 week = (240) man hours. As its new build, plumbing and electrics 4 men working one week 40 hours = (160) man hours. Roof tiles felt and lath 2 men working an 8 hour day working for 2 days = (32) man hours. Put a good slate roof on and it will last 200 years. Many homes (buildings) last for hundreds of years if built with care and quality materials and skilled workers.
360
240
160
032
That’s 792 man hours of labour, 19 weeks at 40 hours for the actual building.
So applying the same principles to building materials, with modern technology used diligently, for simplicity sake 708 hours
708 hours plus 792 hours.
1500 man hours total to build a 6 bed roomed house.
£10.00 per hour as an example to keep it simple and easier to understand. But really it’s about the amount of work we put into the community. And how usury devalues our spending power, of whatever currency, paper, metal, credit (numbers on a computer screen, your bank account) it is applied to.
If you needed to borrow money say £15,000 (the total in this case) as you pay no interest (usury) you pay back just the £15,000 if you do that over 50 years. = >6 pounds a week. Or even better pay, one pound a week to start, gradually pay more as you get you new work of the ground then after 25 years start to decrease the payments back so as to meet the original sum.
If after 50 years you can’t repay any remaining money back due to unforeseen circumstances and I’m sure you should get some help from your family and local community and there would not be much to pay back at that point in time, because we should have shared our work and wealth. In fact with the help of our family, friends and local community this would not be difficult at any time. And never the less All Debts Forgiven.
Some might say that its 6 pounds a week and not one pound. But remember that these homes can last many generations for only (1500 man hours)
---------------------------------------------------------------------- --------------------------------------------
Example:
Six bed roomed detached house in surrey built in the 1970’s on a small! plot in suburbia.
http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=6 52320 (http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=652320)
(Probably an expired link now as it was written in 2007)
£899,950
2007 bank rate rise to 5.5%.This can change any time the bank decides.
http://www.thisismoney.co.uk/mortgages/article.html?in_article_id=4201 99&in_page_id=8 (http://www.thisismoney.co.uk/mortgages/article.html?in_article_id=420199&in_page_id=8)
Loan repayment calculator
MONTHLY PAYMENT This calculator shows what your monthly payments would be for a given loan, where interest is compounded monthly. Payment protection insurance is excluded.
http://img.thisismoney.co.uk/calculators/calcLoanPay.html
Amount borrowed
e.g. 5000, no commas
Term Months Years 50 years
Interest rate % 5.5%
(Actual interest rate & not the APR) %
RESULT Calculate
Total monthly payment £ 4408.36 < £ 1000.0 per week (more than one thousand per week)
Total charge for credit £ 1745068.6
Total repayment £ 2645018.6
£2 million 6 hundred and 45 thousand, 18 pounds 6p
For something (your home and shelter) 6 men could build in 3 weeks and six men in 3 weeks make the materials.
How Much Can I Borrow? http://www.mortgagesorter.co.uk/mortgages_amount_you_can_borrow.html
Please fill in the following details so we can calculate the mortgage loan value you should be able to borrow:
Annual Income of Applicant
Enter any amount in '000s
£ 260,000 thousand per year or £125 pounds per hour based on a 40 hour week
Annual bonus/commission of Applicant
Enter any amount in '000s OR leave blank
£
You are entitled to borrow up to £ 910,000
----------------------------------------------------
Example only:
Monitoring poverty and social exclusion in Wales 2007Where once child poverty in Wales exceeded the UK average,.... At all ages, at least a third of part-time employees are paid less than £6.50 per hour. ...
http://www.jrf.org.uk/Knowledge/findings/socialpolicy/2096.asp
In the UK it would need at the moment (2007)Ten average earners to get together and work about 25/30 years of there life to achieve the same.
1500 hours as opposed to 500000 hours. 333.3r times more. In this case as far as housing goes and “this example only".
We work 333 days and benefit 1 DAY.
Also we pay Tax, income tax V.A.T. and many more various taxes. So for “example only” if we pay about 50% in taxes.
(And we continue to pay these various taxes when we think we own our homes after the mortgage has been paid off)
We are working 666 days and only benefit 1 DAY.
Allowing for weekends and so called holidays 222 days worked per year that’s
Three years to benefit ONE day.
Very large scale corrupt slight of hand extortion, maintained by the “benefits system” enough to fool most of the people and just enough to get by on for most people (for now)
Titles purposely designed to deceive.
National Economy - a national economy in the western world is totally wasteful; where most products are consumed and thrown away as quickly as possible and are actually manufactured to be waste within a very short space of time; so a National Economy is the opposite of its definition.
Deuteronomy:
23:19 Thou shalt not lend upon usury to thy brother; usury of money, usury of victuals, usury of any thing that is lent upon usury:
FREE LAND AT NO COST. Also with Torah LAW, land should be shared out and not owned.
Green, Sustainable
Economics a Phase of Divine Law
Excerpt only:
When Israel obtained the promised land, it was divided as fairly as possible so that EVERY family should receive its portion. The land was free from debt and the only tax was a tenth part of the fruit of the soil, the tithe being the inheritance of the Levites, who, being engaged in work of national importance, had no land.
The land was inherited, free of death duties, from generation to generation. It had no money value, and must not be sold for ever. The possessors of the land were regarded, not as the owners (for the land was God’s, Leviticus 25:23), but as God’s guests.
Should circumstances compel, it was permitted to sell the land, but the price should be adjusted according to the number of years to the Jubilee. The price was not for the land itself, but for its produce. In the fiftieth, the Year of Jubilee, every family must return to its inheritance. This great event must take place on the 10th day of the 7th month, the Day of Atonement, on which all the people made confession of their sins; it was a day for national repentance. Thus were closely related the economic and religious life of the nation. It was not a day of bondage, but a day of freedom, a day of new beginnings.
"And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof: it shall be a jubilee unto you; and ye shall return every man unto his possession, and ye shall return every man unto his family." (Leviticus 25:10.)
If we are to retain the (questionable) blessings of machine power (and the pollution created by them), the system of finance capitalism with debt and interest must be abolished. In building a new system we must bear in mind the foundation principle of God’s Law * that every person is entitled to a share in the fruits of the soil. It is not possible for every man to possess land and to work entirely on it, but every secondary industry also depends upon the land for its raw materials and the workers for their food from it. Every worker contributes to the wealth of the nation. Those who do not actually produce add their services to the common pool. The sum total of national constructive effort is the true basis of the issue of money, whether in the form of currency or of credit. If the total productive power of the nation can be computed and the national income distributed in fair proportion to every person, irrespective of the nature of the employment, the result would be the same as giving everybody a share in the land itself.
Thus would the first principle of Divine Economic Law be obeyed * economic freedom and security for ALL. (No deprivation and therefore no reason to steal or commit crime in order to survive - JAH). It is not God’s Law that is out of step with mankind, but mankind that is drastically and criminally out of step with God and His Laws (James 4).
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
1 dollar a week home.
To give an example of how corrupt banking, taxes, usary, actually is here’s a simplified look at how much our homes should cost.
3 bricklayers working 40 hours a week for 3 weeks = (360) man hours to build in brick and block a 6 bed roomed house. Carpentry first and second fix, 2 men working 40 hours a week for 3 week = (240) man hours. As its new build, plumbing and electrics 4 men working one week 40 hours = (160) man hours. Roof tiles felt and lath 2 men working an 8 hour day working for 2 days = (32) man hours. Decorate and garden to suit.
(edit2)put a good slate roof on and it will last 200 years.
320 (edit3)darn it that muck mixer went for so many tea breaks lost 40 hours
240
160
32 (edit1) defaulted to edge of page)
752 man hours total 19 weeks at 40 hours for the actual building.
So applying the same principles to building materials for simplicity sake, with modern technology used Diligently.
1500 man hours total to build a 6 bedroomed house.
And a Free plot of Land.
10 Dollars an hour as example.
If you needed to borrow any money say $15,000 as you pay no intrest you pay back just the $15,000 if you do that over 50 years. = >6 Dollars a week. Or even better pay
1 Dollar a week to start, gradually pay more as you get you new work of the ground then after 25 years start to decrease the payments back so as to meet the original sum.
If after 50 years you can’t repay any remaining money back due to unforeseen circumstances and I’m sure you should get some help from your family and local community and there would not be much to pay back at that point in time, because we should have shared our work and wealth. All Debts Forgiven.
And Torah LAW is even better still,(edit) and also FREE LAND AT NO COST.
-------------------------------------------------------------------------------------
http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=652320
£899,950
2007 bank rate rise to 5.5%. (edit 2) this can change any time the bank decides
http://www.thisismoney.co.uk/mortgages/article.html?in_article_id=420199&in_page_id=8
Loan repayment calculator
MONTHLY PAYMENT This calculator shows what your monthly payments would be for a given loan, where interest is compounded monthly. Payment protection insurance is excluded.
http://img.thisismoney.co.uk/calculators/calcLoanPay.html
Amount borrowed
eg. 5000, no commas
Term Months Years 50 years
Interest rate % 5.5%
(Actual interest rate & not the APR) %
RESULT Calculate
Total monthly payment £ 4408.36 (edit 1) < £ 1000.0 per week (one thousand per week)
Total charge for credit £ 1745068.6
Total repayment £ 2645018.6
£2 million 6 hundred and 45 thousand,18 pounds 6p
For something 6 men could build in 3 weeks and six men in 3 weeks make the materials.
How Much Can I Borrow? http://www.mortgagesorter.co.uk/mortgages_amount_you_can_borrow.html
Please fill in the following details so we can calculate the mortgage loan value you should be able to borrow:
Annual Income of Applicant
Enter any amount in '000s
£ 260,000 thousand per year or £125 pounds per hour based on a 40 hour week
Annual bonus/commision of Applicant
Enter any amount in '000s OR leave blank
£
You are entitled to borrow up to £ 910,000
----------------------------------------------------
Monitoring poverty and social exclusion in Wales 2007Where once child poverty in Wales exceeded the UK average, .... At all ages, at least a third of part-time employees are paid less than £6.50 per hour. ...
http://www.jrf.org.uk/Knowledge/findings/socialpolicy/2096.asp
Apologies, i thought it would be easy to understand. The cost to build that house would be 1500 man hours of labour.In the UK it would need at the mo, Ten average earners to get together and work about 25/30 years of there life to achieve the same.
1500 hours as opposed to 500000 hours. 333.3r times more. (edit) In this case as far as housing goes "only".
You work 333 days and benefit 1 DAY.
And tax takes even more from yet again because it is not distributed fairly or appropriately.
Deuteronomy 23:19 Thou shalt not lend upon usury to thy brother; usury of
money, usury of victuals, usury of any thing that is lent upon usury:
Andrew:Warwickshire,UK.