Starting a business, in Antarctica

Wed Oct 15 02:34:00 -0700 2008
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Starting a business is I think in many ways like building an aeroplane (something I have never done) in that you lay out all these plans, you do a bunch of work, and then one day it has to actually fly, properly.

It is only when talking to people that you realise just how few people have actually started a business. For starters you can discount all the self declared "Entrepreneurs" who think that their service industry is a business, it isn't.

I'm talking about a proper business with a physical product here, and experience of setting one of those up is terrifyingly, shockingly rare.

This is important to understand, because the world is populated by people who at one end of the scale simply reach into their banker's pocket and throw a million pounds at a new business located in London, and at the other end of the scale by people who re-mortgage the house to start a service industry job (builder / decorator / hairdresser / plumber) in what was their trade anyway.

Joe the plumber who works for County Plumbing, deciding to go self-employed and start up on his own isn't a new business, it isn't even a business, it is a service industry, and the market was already there.

The million pound venture in London might actually be a new business, making instrument gauges for "ricer" car tuners, actually making as opposed to importing, but it is in London, which is a lot like parachuting weed seeds into a compost patch.

My first authentic experience of this was Peter G, also known as Lord Inchcape, chairman of P&O etc, who basically turned up at a bit of jungle a few miles outside Bandar Seri Begawan in Brunei and decided to set up a logistics depot for the offshore oil platforms.

First, import the Cat D9's to level the area, then import the concrete and steel and wiring to build the depot and wharf, import a fleet of Fodens, import... you get the picture.

The most interesting thing about this was he did it with 50 bucks US of his own money, and a quote I shall remember all my life, "Never use your own money, if the idea is any good, other people will give you their money."

But even Brunei wasn't Antarctica. For instance mains electricity was simply a matter of stringing up the poles from the grid, ditto water etc, the basic infrastructure was already there. What wasn't there could be flown in from further afield or shipped in from say Singapore, and using the existing infrastructure as a foundation, built upon.

Brunei was a lot of years ago, and the gap between the UK and the Brunei jungle is at least as great as the gap between the Brunei jungle and Antarctica, at least, you would be forgiven for thinking so.

But the fact is that for most regions of the UK, let's take Exeter in the southwest, a city with 2,000 years of history, the reality is you ain't much better off than we were all those years ago in Brunei, there is a foundation of mains electric grid and water grid to build on, but from there on in it just gets worse.

Whereas Brunei had access to the relatively cheap markets of Singapore for materiel, here is Exeter the chances are much of my new business infrastructure is going to have to be shipped from, you guessed it, the Far East.

Steel? Yeah, there is a single local steel stockholder, but the prices are astronomical. Bricks, all the local brickworks have gone, most bricks are now imported, believe it or not. Electrical cable and wiring, the last UK plant that actually made cables as opposed to importing them closed three years ago. Machine tools, you're joking aren't you. A fleet of vehicles, that'll be Renault or Volkswagen from Europe then, employee overalls and safety wear, China. Office furniture, made in Poland. Office IT, made in Hungary. Paper for invoices etc, made in Scandinavia. Mobile phones, ditto.

And speaking as someone who has imported stuff this means everything is cost + shipping + import duty + 17.5% VAT + various middlemen's cuts.

Workers to actually build the new plant, chances are they are going to be Polish or Hungarian or Estonian too, and the plant they will be driving will be Kubota and Hitachi etc.

Then there is materiel itself, everything from thermoplastic granules through nonferrous metals even to silly stuff like dry ice (my nearest dry ice stockist is just outside London) in sustainable industrial supply quantities is going to be imported via agents and resellers in the London area.

HSS machine tools, Germany or Sweden if you are lucky... you really do not want to know how hard it is to find a simple hacksaw blade made of proper bi-metal HSS.

And so we take time out from this discussion and see how many new proper businesses have been set up in the south-west in the past 20 years..... ummmm... none.

Not a single one, and it really is no wonder.

Speaking personally If you employed me to bugger off to Papua New Guinea to set up your new factory I'd be a lot more confident than if you employed me to stay here and do it, I'd put it (as a time-served marine engineer) as a challenge on a par with sending me out to Exeter Airport and expecting me to design and build an aircraft from scratch... you'll get something made of wood and canvas and capable of maybe 70 mph if you can find someone desperate enough to act as test pilot, while I desperately stuff the Sopwith Camel blueprints behind the (imported from Korea) potted plants.

Now let's look at Imperial England, when two thirds of the globe was pink and the sun never set on the empire, how about Lister, (click the link, not what you'd expect for a factory that made multiple millions of engines of all sizes and exported them literally worldwide) or a few miles away the home of aviation or a few miles from that the home of railway manufacturing.

But this isn't about "manufacturing was what made us the greatest", this is about places like the UK and indeed like New York, so called "FIRE" economies, Finance, Insurance and Real Estate, what do we do when the financial services industry passes (passed?) its sell by date and we need to get back to some good old protectionist, anti-globalisation, local, home grown MANUFACTURING industry?

My sincere worry is that we can't.

Not a question of money, it doesn't matter how much money we print, setting up a business of necessity requires certain foundations, foundations that simply do not exist any longer.

It will be like watching Discovery Channel biker build off.

  • Wheels? Farmed out and CNC made.
  • Paint? Farmed out.
  • Powdercoat? Farmed out.
  • Frame? Bought in ready made.
  • Engine + trans? Bought in ready made.
  • Brakes? Bought in ready made

So the guys spend a week cutting and welding a few bits of metal while comparing themselves to people who actually build things with their own hands.

Cut these assholes off from their Custom Chrome catalogue and their outsourced everything and they'd be left making kids' playground swings and climbing frames, with literally no way to leverage themselves back into making actual roadworthy motorcycles of any kind.

false


Systemic Fiscial Reform

Wed Oct 15 06:38:08 -0700 2008
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One deep shift that could help a lot is Georgism, based upon Henry George's ideas. As the tax burden shifts from transaction taxes to pure economic rent, the diminishing deadweight loss of such taxes makes sense of renewed industry. When it is possible for something to be traded in a circle without loss, it gets to its destination frictionlessly. Being able to manufacture and trade without reams of documentation and taxation obstructing consentual trade would surely do marvels for industry. Because land value tax only suffers an administrative deadweight loss, but is otherwise economically neutral, there will simply be more wealth to go around to pay such a tax.

A friend of mine, Adrian Wrigley, recently gave a talk at the Liberal Democrat Party Conference on systemic fiscial reform. The irony being that the party had just recently defeated such a proposal for Scotland in favour of their cherished and "obviously fair" (to those ignorant of economics) Local Income Tax. Meh.

Systemic Fiscial Reform
Wed Oct 15 07:17:13 -0700 2008
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Without much deep thinking, wouldn't Henry George's ideas simply transfer the bottleneck from the land owners to the capital owners?

drew

Systemic Fiscial Reform
Wed Oct 15 07:58:16 -0700 2008
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The problem isn't people, but rather any form of economic rent (a larger class than just land rent, to be sure). Taxation of land value doesn't directly move the bottleneck one iota. Rather, (part of) the economic rent goes to the government (this can be seen as the taxpayer, if this tax offsets other taxes). The best rational use of the land remains much the same as it was.

Shortages are just as they were before, except that since now transactions aren't taxed, greater productivity will find new bottlenecks, but a shortage of plant with resulting greater profit will attract investment, and therefore not form a permanent bottleneck.

By focusing upon people rather than resources, you're missing the economic argument, but then you did say that you hadn't thought about it seriously yet. Georgism is sufficiently different from what we do right now that all our instincts towards caution cut in. That's fine, as long as we keep thinking.

Systemic Fiscial Reform
Wed Oct 15 08:11:19 -0700 2008
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I either mis-spoke or you mis-understood.

So, wouldn't the bottleneck just shift from land to capital? (With the terms used as per the link provided..)

The link talks of land values going up and land ownership becomming concentrated.

So, if instead capital becomes concentrated, will this still not be a similar problem?

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 09:02:58 -0700 2008
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So, if instead capital becomes concentrated, will this still not be a similar problem?

Short answer: no.

Longer answer: Poverty is the problem that Georgism attempts to address. It does not address wealth (Henry George's book is called "Progress and Poverty", not "Progress and Inequality"). There isn't a natural shortage of capital, so changing the portfolios of the rich from land (of which there is a shortage) to capital is a definite gain.

If you see wealth itself as a problem, Georgism isn't going to be enough for you.

Systemic Fiscial Reform
Wed Oct 15 09:58:47 -0700 2008
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I don't see wealth as a problem.

Also, I am not worried about all forms of inequality. That is built in to life.

So please explain how the ability to take interest (perhaps big interest) on loaned capital will differ from rent taking on land. Briefly will do for now. I am trying to get a handle on the essence of the idea.

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 11:07:48 -0700 2008
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So please explain how the ability to take interest (perhaps big interest) on loaned capital will differ from rent taking on land.

Hang on. You don't loan capital; you loan money to invest in capital. Capital is productive "stuff".

If banking stays much the same, money won't fall into short supply, since the money supply is that for which the interest rate follows the bank rate. In practice, because more investment opportunities means more cash flowing into the economy, the interest rate will be higher in order to stave off inflation. Given a fixed money supply on the other hand, you are faced with deflation since cash is drawn into new areas, so that each coin has to do more work (subject to velocity concerns).

However, this is transitory; these "problems" are problems of coping with growth as the economy adjusts to the removal of deadweight losses. Just when a new field opens up, so there are greater profits for investors, so much the same is the case when all fields open up. This is not a form of economic rent, but rather the result of the most productive activites (which are now more productive) receiving funds before the less productive. The rich here are getting a larger slice of a larger pie.

Unlike with the case of land, competition is alive and well. Instead of landowners taking the entirety of a tenant's surplus wealth as each tenant bids against others, there is simply more to go around.

Systemic Fiscial Reform
Wed Oct 15 11:36:20 -0700 2008
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" The term land as used herein, is intended to include all natural resources, such as the earth and all its locations, minerals, oil and waterfalls as untouched by human hands;

 the term labor, all human exertion whether by brain or brawn or both;

 the term capital, all wealth (such as tools, machinery, investments and goods in process of exchange) used to produce more wealth"

So, what am I going to loan, land? I guess you could call gold land since it is a mineral but perhaps gold coins are capital since they have been converted into a good of sorts.

Do you see all of this in terms of a fiat currency where money can just be printed into existence? Or something else? Looks like a fiat currency, but I could be mistaken.

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 12:24:46 -0700 2008
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Well, Henry George's categories are inexact by modern standards. I've drawn more from discussions with my friend than from Henry George per se.

Initially, profit represents innovation and new productivity, but over the longer term, productivity accumulates to stores of economic rent through competition. Economic rent accrues to items that are scarce.

There are stores of economic rent, and wage is one of those (due to the finiteness of the population). I prefer this understanding of labour than Henry George's seperate category. I can understand the motivation for a different category, since better wages are desireable (other things being equal), whereas other rents are in general a straight transfer of wealth from the poor to the rich without anything new being produced to justify that transference.

I am not especially concerned with whether currency is fiat or (for example) gold-backed, although I have an emotional preference for the latter, since a limited supply of coinage makes for one less worry: that of whether one can trust the issuer of currency. I had a recent discussion with Uncle Entity over these matters, and I am cautiously pro gold-backed currency now.

All the same, I argued both sides since it's not really important to Georgism. The value of stores of coins is far less important than the fact of coin circulation, and coins adjust well to small shortages and excesses because the velocity of circulation can easily adjust.

Gold-backed currency would (instantaneously) cause there to be deflation (an increase in the value of gold) due to the reduction of transaction taxes. This suggests to me that if one were to shift to Georgism and a gold-backed currency, it would be most sensible to shift to Georgism first. This isn't to say that the other change isn't in itself desirable.

Systemic Fiscial Reform
Wed Oct 15 12:46:08 -0700 2008
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It might help if you laid out your ideas a bit more then.

For instance, you speak of economic rent. But he would seem to say rent is from land (which granted is more than we normally consider to be land) and I think I get him to be saying that this rent is collected by the government on behalf of the collective owners (citizens? how do you handle non-citizens? do you need to?) He would call interest that which comes from loaning out capital and this capital can be privately owned. And wages is what you get as a result of your labour. (How this plays out for the non-employed I will need to think on more.)

So, when you speak of economic rent, are you talking of what he calls interest?

"I am not especially concerned with whether currency is fiat."

Well then, I claim dibs on the right to print the money. ~;-)

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 13:29:36 -0700 2008
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Oh sorry. Economic rent [Wikipedia] is a pretty standard term of economic discourse. Not everyone here is an economic technocrat :o)

Economic rent is explicitally not interest. Economic rent is what an owner can extract from stuff that is in short supply that accordingly sucks up the "spare" value that is around the place, with the effect of keeping people poor.

Interest isn't a problem, for the intended use for the money is expected to make more than the value of the interest, or else the loan would not have been taken out. Unlike rent, interest does not systematically cause poverty. For that you also need poor luck or poor judgement.

Regarding whether currency is fiat or not. I'm not offering a complete manifesto here, and luckily, the nature of the currency is seperable as an issue from optimal tax structure. It isn't my intention to suggest that the issue isn't important, but only to state that that is not what I'm talking about right now.

Systemic Fiscial Reform
Wed Oct 15 13:54:20 -0700 2008
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Interest isn't a problem, for the intended use for the money is expected to make more than the value of the interest, or else the loan would not have been taken out. Unlike rent, interest does not systematically cause poverty. For that you also need poor luck or poor judgement.

After the CDS credit mess, I think we've got an oversupply of both poor luck and poor judgement, and the original Abrahamic religions were right- USURY IS JUST BAD.

Systemic Fiscial Reform
Wed Oct 15 14:31:02 -0700 2008
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Fannie May and Freddy Mac were strongly encouraged to guaruntee bad mortgage loans for social reasons. On top of that, salesmen who were getting a slice of sales but none of the financial risk were fraudulently selling bad mortgages.

But the worst of it was this: the availability of easy finance pushed the cost of housing (implicitally the land value) sky high. The policies pushed by a Democrat administration and continued by the Republicans only pushed housing out of reach, so that the poor who could otherwise have paid for a mortgage were priced out by those who were willing to take the risk.

This isn't a glorious story for capitalists either, for it wasn't in the banks' interests to give these bad loans. This disaster in the making was the product of an ignorance of economic rent amoungst the political classes meaning that self-defeating social criteria influenced lending policy, simple fraud, and willful blindness amoungst those who thought that widespread easy loan availability was a good thing.

None of these factors are a criticism of loans per se, and particularly not industrial loans, nor of share ownership. The causes are the usual culprits of fraud, management blindness, ideological blindness, and economic ignorance.

. . .

It is unfortunately the case that economic rent gets none of the attention that it deserves, or else there would be fewer politically-inspired loans and grants with which we can simply outbid each other, ending up exactly where we started (except that the bank that owns mortgages our property is better off).

Systemic Fiscial Reform
Thu Oct 16 13:15:31 -0700 2008
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This isn't a glorious story for capitalists either, for it wasn't in the banks' interests to give these bad loans. This disaster in the making was the product of an ignorance of economic rent amoungst the political classes meaning that self-defeating social criteria influenced lending policy, simple fraud, and willful blindness amoungst those who thought that widespread easy loan availability was a good thing.

None of these factors are a criticism of loans per se, and particularly not industrial loans, nor of share ownership. The causes are the usual culprits of fraud, management blindness, ideological blindness, and economic ignorance.

I see it differently.  I see that as an intense criticism of the idea of loans, industrial loans, and share ownership, because they ENABLE fraud, management blindness, ideological blindness, and economic ignorance.

I'd like to see us, for once, purposely engineer an economic system that specifically makes those things impossible, and is simple enough that a 10-year-old with a multi-core machine at his fingertips can theoretically detect something going wrong.

What I don't want is to go through another 8 years of shouting into the darkness "there's something very bad about to happen", only to have everybody tell me I'm an idiot then end up right and STILL have people telling me I'm an idiot.

Systemic Fiscial Reform
Wed Oct 15 14:19:03 -0700 2008
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Surely, if we are talking how things might work if we did things in the way suggested, we would understand each other better if we used the terms as the theory does and especially not mix the usage from the current model with the usage of the alternate model.

Thaks for the link. So, is it posited that economic rent can be had in a Free Market?

So, again, what do you see as properly (optimally) being taxed, and how?

Presumably, land (in the sense of all natural stuff I guess) but not capital and not labour. So, lay it out a bit more. Examples will help, even if only as samples and not as complete info.

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 15:42:45 -0700 2008
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Economic rent is had wherever there is a limiting and fixed supply of a good. When there isn't a limiting supply, greater demand initially causes a price rise, but then competitors come in (or else supply is simply increased), bringing the price back down. However, when supply is limited, that can't happen, and the price simply rises. We can choose how high we're willing to bid up each thing that is in finite supply, but our spare cash ends up boosting one price or another.

There is plenty of economic rent to be had in a free market, but regulation isn't really a fix since bidding high is how the market signals best use. All the same, there is nothing special about the absolute level of the bid, and taxing a chunk of the land value (or even all of it) doesn't change the best use, but only the value of the land itself, and only to the landowner.

Some taxes are clearly bad. Isn't it crazy that I can't paint your fence and you fix my roof without the taxman taking from both of us? Surely the only difference after such a trade (apart from the time taken) should be a glossy newly-painted fence and a roof that doesn't leak. The taxman's take, however, most likely means that neither of these jobs get done. This is known as deadweight loss, which is empirically seen to increase quadratically with the level of taxation. Things that should be done simply aren't done.

Since the best use of land doesn't change with land tax (unless one goes over 100% of the value, in which case the land is abandoned), but transaction taxes prevent ever more trade, the higher that they are, it clearly makes sense to shift from the latter to the former. You would think that it was a complete no-brainer, but I suspect that the real issue is that it is easier to take money from the worker than the landowner, to hell with economic efficiency!

. . .

Sorry, I just got a phone call then that threw my thinking. I hope that what I've written is clear enough!

Systemic Fiscial Reform
Thu Oct 16 06:42:59 -0700 2008
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"Economic rent is had wherever there is a limiting and fixed supply of a good."

Give real examples please. And for examples showing goods getting economic rent in a Free market, please do not use those where government granted monopoly plays enter into the equation.

"but I suspect that the real issue is that it is easier to take money from the worker than the landowner, to hell with economic efficiency!"

There is also the fear by the small land owner that the best use arguement will be used to take his land from him. Kick him out into the boonies where the land is not valuable. Let the rich all live together on the valuable land in a wealth ghetto.

drew

Systemic Fiscial Reform
Thu Oct 16 08:12:28 -0700 2008
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Give real examples please. And for examples showing goods getting economic rent in a Free market, please do not use those where government granted monopoly plays enter into the equation.

Simple rent is the most obvious. A mineral with known and limited supplies that is soon to run out. A well in the desert would extract rent up to the point where it was economic to pipe water in. A niche market in any good. Also, in the shorter term, any market which is undersupplied (for example when a new good is created).

Admittedly, radio spectrum is artifically scarce through government regulation, but even in the absence of such regulation, there is a natural shortage, from which someone could own and lease the rights.

There is also the fear by the small land owner that the best use arguement will be used to take his land from him. Kick him out into the boonies where the land is not valuable. Let the rich all live together on the valuable land in a wealth ghetto.

The valuable land would get taxed proportionally. I fail to see that it plays in the rich ghettoites' interests. The fact is that at present, every time a school or road is built, it is landowners who reap the benefits. A tax on land value would redistribute that benefit back to the intended recipients.

There is a problem with the transition, and how to make that transition is a problem in its own right, especially since land ownership is not uniform across the population. It would take time, and perhaps initially land value tax would offset income tax. The additional value liberated by removing the deadweight losses could perhaps finance a compensation scheme focused upon small landowners.

Systemic Fiscial Reform
Wed Oct 15 10:55:54 -0700 2008
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If you see wealth itself as a problem, Georgism isn't going to be enough for you.

I seem to find that to be the fault with quite a few progressive economic systems; it's the basic problem with Marxism as well.  

Maybe that's why I'm attracted to regressive (or at least, resetting) economic systems such as the ancient Israeli Jubilee system or Islamic Banking- where there is room for humanity *outside* of the economic system.

Systemic Fiscial Reform
Thu Oct 16 06:44:02 -0700 2008
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"ancient Israeli Jubilee system"

That was an interesting play wasn't it?

drew

Systemic Fiscial Reform
Thu Oct 16 11:57:49 -0700 2008
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I may have missed the "play", not sure what you're talking about.  

I'm talking about the tradition of tribal ownership of property which is rented/sold to individual users, but returns to ownership of the tribe once every 50 years (the Jubilee year).  This guaranteed every 2nd generation that there would be a "reset" of wealth distribution in ancient Israel, with land as the basic value.  It was started by the Judges who ruled Isarel after the defeat of Canaan, and lasted several centuries.

Even a poor tribe could feed it's people by agreeing to remainder-of-the-50-year leases of land in exchange for money, and 12 out of the 13 original tribes had their defined amounts of land that they would recieve back every 50 years.

The system ended when Israel was conquored by Babylon.  Only 3 out of the 13 tribes returned and by then, the economic system had entirely broken down and never returned.  Greece conquored Babylon, Rome Conqoured Greece, the Eastern Empire conquored the Western Empire, the Ottoman Empire conquored the Eastern Empire, the British absorbed the Ottoman Empire as it crumbled, the UN replaced the British Empire and granted Israel time again.  But the Jubilee never returned, save as a revived concept from time to time in child religions.

Systemic Fiscial Reform
Thu Oct 16 12:47:52 -0700 2008
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"Play", as in way of doing things.

And this reset did not happen in walled cities if I recall correctly. And there were some other wrinkles. I have often wondered if something similar might be wise these days but the details would be wild.

I seem to remember that at least in parts of Japan, in the recent past, land was so expensive that and owner did not need to develop or manage it, that some companies (it may have been banks) would form a partnership with the owners and do the whole shebang for them.

There used to be a decent amount of 99 year leasing of land around here if I understand things properly.

all the best,

drew

Systemic Fiscial Reform
Fri Oct 17 17:13:40 -0700 2008
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One hint left, and I think it might be brit vs Standard American.

I think the word you meant is paradigm.

"Play" has many uses in American as well, but that's not one of them.  I thought you meant perhaps a stage production initially.

Systemic Fiscial Reform
Fri Oct 17 18:30:08 -0700 2008
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"One hint left"

Huh, do you have a quota of hints that you give to everyone and you have about used up all of the ones alloted to me?

If you don't get the usage, fine, I am happy to re-phrase on query.

I may have been speaking loosely, but I did mean play. Perhaps I should have said rule. As in one of the plays in the game of life. Perhaps like castling in chess? A play or move?

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 09:29:33 -0700 2008
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You mean capital and land ownership isn't already concentrated?  

Systemic Fiscial Reform
Wed Oct 15 10:00:10 -0700 2008
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Perhaps, but certainly not always in the same hands, at least where I am from. But we seem to be trying to change that here... (how is another matter...)

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 10:59:52 -0700 2008
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Perhaps, but certainly not always in the same hands, at least where I am from.

Really?  I didn't know there was a country where capital and property ownership didn't go hand in hand.  Someday you'll have to tell us where that is and explain the historical conditions that divorced land ownership from capital ownership.

I've known a few cases where, on purpose and by law decree, land/capital ownership was divorced from political power was divorced from military power; feudal Japan had it's three class system where one could be a ruler, a farmer, or a warrior, but could NOT be two of these (to have wealth of any sort meant that the samurai had to give up his sword).  But I was unaware of a place where land ownership was divorced from capital.

Systemic Fiscial Reform
Wed Oct 15 11:40:19 -0700 2008
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Well,

once such place today is the Bahamas. Not saying that some wealthy folks don't have a lot of land, just saying that a lot of what would be considered poor folks do have a lot of land. Or had up until fairly recently if that is no longer the case.

At least in part because of what we refer to as generation land.

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 13:55:45 -0700 2008
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once such place today is the Bahamas. Not saying that some wealthy folks don't have a lot of land, just saying that a lot of what would be considered poor folks do have a lot of land. Or had up until fairly recently if that is no longer the case.

I would have thought all the land in the Bahamas, long ago would have been bought up by the wealthy.  I'll have to look into that.

Systemic Fiscial Reform
Wed Oct 15 14:12:22 -0700 2008
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Nope,

a lot of the land was given to former slave families at emancipation (if I get things right) as what we call generation land. To my knowledge, much of it is still in the families' possessions.

There is also still a large amount of government or crown land as far as I know.

Don't "worry" though, I think we are trying to "remedy" that situation.

all the best,

drew

Systemic Fiscial Reform
Thu Oct 16 11:59:53 -0700 2008
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When was emancipation in the Bahamas?  Seems that those islands are so picturesque, the whole place would be covered in vacation homes and the slave families would long ago have gotten rich themselves off of "generation land".

Systemic Fiscial Reform
Thu Oct 16 12:42:15 -0700 2008
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Our emancipation was the same as Englands seeing as we were a colony back then. Happened before the US emancipation.

drew

Systemic Fiscial Reform
Fri Oct 17 17:15:24 -0700 2008
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Is subdividing not allowed by law?  The only way I can think of that a family owning "generation land" that long, in that environment, would be a lack of ability to subdivide.  Otherwise, you keep the acre or so you need for food & house, sell off the rest, and use that capital to start a business.

Systemic Fiscial Reform
Fri Oct 17 18:33:24 -0700 2008
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You are welcome to ask a local lawyer or do the research or ask somewhere like:

http://www.bahamasissues.com/

That may be it though. I do know that good amounts of generation land is still in family hands.

all the best,

drew

Systemic Fiscial Reform
Wed Oct 15 15:25:11 -0700 2008
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For, if labor-saving inventions proliferated until perfection was obtained, and the need for labor in wealth production was entirely done away with, everything the earth could yield could be obtained without labor. And no matter how small the population might be, if anybody but the landowners continued to exist, it would be at the whim or by the mercy of landowners' bounty.

Uh huh...

Interesting how labor saving devices are the root of the problem but increases in efficiency in land use or natural resources doesn't cause the same concentration of wealth into the hands of the landowners.

They also go awry when they make the false assumption that all excesses above the cost of production go to 'rent' as opposed to being divvied up among the owners of the means of production, i.e. the capitalists (who don't necessarily have to be the land owners), or else reinvested back into the business for future production.

The equal right of all men and women to the use of land is as clear as their equal right to breathe the air. It is a right proclaimed by the fact of their existence. For we cannot suppose that some men and women have a right to be in this world and others do not.

They need to prove that instead of just asserting is as fact because the only way one could have that 'right' is to violate the negative rights of another.

And the 'solution' just builds off these utopian fallacies...

Systemic Fiscial Reform
Wed Oct 15 16:54:55 -0700 2008
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Well, I probably shouldn't have linked to the page since what I understand of Georgism comes out of discussions with my friend, and I'm not too sure about Henry George's ideological drive. I do think that a shift from transaction taxes to economic rent makes a lot of sense, though.

I'm definately in favour of productive capital. No question, there, and you'll see that if you follow the other threads.

Regarding the issue of rights. All taxes offend natural rights. transaction taxes obstruct trade, and land value taxes discourage the ownershp of "sitting" land. If the subject is the balance of taxation, there's no pure answer other than stopping taxation altogether. However, if taxes cannot be eliminated, it is reasonable to ask onself which taxes will cause the least harm. One reasonable measure of that is surely how much the tax changes economic behaviour. Transaction taxes effectively block productive trades; under a system of land value tax, the rental value of land is reduced (or in the extreme case, eliminated), but the rent that can be extracted given different uses of the land retains its differentials, and so the same economic decision should be made.

They also go awry when they make the false assumption that all excesses above the cost of production go to 'rent' as opposed to being divvied up among the owners of the means of production, i.e. the capitalists (who don't necessarily have to be the land owners), or else reinvested back into the business for future production.

Profit over a normal rate of return for the risk is only transitory. Competition eliminates the surplus. If the market is such that competition cannot enter the field, then the value that one gains from that is economic rent. Land is another sink for rent. The point about rent is that the bidding process is such that surplusses are consumed in the bidding process. To see a classic example of this, consider how stretched mobile phone companies have become outcompeting each other for radio spectrum in Europe.

Your response comes accross to me as an ideological reaction to what is surely simple and orthodox economics. It requires a more profound counterargument than simple disgust.

Systemic Fiscial Reform
Wed Oct 15 17:42:44 -0700 2008
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However, if taxes cannot be eliminated, it is reasonable to ask onself which taxes will cause the least harm.

Yes, that would be another unproven assumption that this theory is based upon.

If the market is such that competition cannot enter the field, then the value that one gains from that is economic rent. Land is another sink for rent.

Those are two different forms of 'rent'. One is 'rent seeking' and the other is charging someone for the exclusive use of your property. Same as 'wages' is charging someone for the exclusive use of your labor and 'interest' is charging for the exclusive use of capital.

The point about rent is that the bidding process is such that surplusses are consumed in the bidding process.

The same can be said about wages and interest. Which is actually my point.

Labor, capital and land are all limited resources except in a system that has managed to eliminate all labor from the equation.

The very nature of humans suggests that this will never happen and hasn't given any evidence to the contrary in all of human history. There have been many, many inventions that have put tens of thousands of people out of work in one fell swoop but there is still no shortage of work to be done.

To assume that it will and come up with a system based on this unfounded assumption which involves removing scarcity from land and capital is bound to fail because the basic premise is flawed and goes against the very nature of the environment we find ourselves in—a world of scarce means.

Your response comes accross to me as an ideological reaction to what is surely simple and orthodox economics. It requires a more profound counterargument than simple disgust.

I was just pointing out the obvious flaws...

Systemic Fiscial Reform
Wed Oct 15 18:09:56 -0700 2008
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The point about rent is that the bidding process is such that surplusses are consumed in the bidding process.

The same can be said about wages and interest. Which is actually my point.

Well, wages are actually a form of economic rent since people are in finite supply. Interest is the odd one out here, since supply and demand varies with the rate. Interest doesn't grow infinitely to absorb whatever is thrown at it since as it varies, seekers of such capital either partake or drop out.

Land and wages are different from interest since the land supply doesn't grow or shrink with demand, and people need to eat however low wages are, and generally keep working at higher wages (not least because they've got to pay their mortgages(!)), and again their number doesn't change drastically with wage.

If you tax capital, you discourage trades; if you levy a land value tax below the rental value, or a poll tax below a "suicide" level, land does not vanish, and people do not disappear (although they might illegally 'disappear' to avoid the tax): both are still available for productive uses, and the best use in both cases is much the same as it was before the tax.

I agree with you that Henry George made a mistake in classifying wages seperately from other economic rent, but surely the rest is as much common sense as supply and demand is. Certainly the "law" of supply and demand has bizarre exceptions, but one would be a fool not to reckon upon it.

Systemic Fiscial Reform
Wed Oct 15 18:49:53 -0700 2008
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Well, wages are actually a form of economic rent since people are in finite supply. Interest is the odd one out here, since supply and demand varies with the rate. Interest doesn't grow infinitely to absorb whatever is thrown at it since as it varies, seekers of such capital either partake or drop out.

'Capital' is also finite. Counterfeit claims to capital (fiat currency) doesn't have such a restriction so is used to set the price of capital and makes it appear to not follow the law of supply/demand but that's just not the case.

The underlying capital structure (means of production) doesn't disappear if the interest rate gets too high nor does it magically appear when the central bank inflates the money supply. Only through mixing land with labor can 'capital' be created so it follows that it would behave in the exact same way as land and labor that compose it economically speaking.

This is also one of the main reasons businesses always fall into the business cycle trap, the 'claims to capital' get out of sync with real capital and false signals are sent to them that the demand is higher than it really is due to the artifically low interest rates. So they invest in projects that would make perfect sense if the this disconnect wasn't there and later on find out that actual demand was lower than the interest rate signal was sending.

The key is to understand that when the government starts up the printing press they aren't creating capital but only claims to existing capital and whoever is the recipient of these fresh claims are appropriating the land and labor of the actual producers of capital. Which also explains why governments love fiat currency so much as it allows them and their allies to gain real capital parasitically.

Systemic Fiscial Reform
Wed Oct 15 19:32:01 -0700 2008
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The interest rate (whether set by fiat or supply and demand) determines capital flow, so I agree that physical capital doesn't change very fast, but then that isn't the quantity that we're dealing with here. If profits are greater and are invested into new captial, it is the flow quality that is important, since these new profits (amd hence new supply) are themselves capital flow.

Taxing capital flow and transactions generally has a clear deadweight loss in that what could be reasonably reckoned to be worthy investments are simply not made in much the same way as worthy trades are not made when transaction taxes are levied.

Although I don't advocate poll tax, I give it as an example together with land value tax as a tax that doesn't change economic decisions. As for value coming from "land mixed with labour", this is in a sense true, but the fact that labour can move means that the two elements are seperable. Land can be taxed without impinging upon wages.

I agree that all tax is distorting in that anyone who is taxed would have eventually put their received income elsewhere, and the government is taken their place. Taking land is no different in this regard to taxing transactions or anything else. That can't be helped unless we are to be rid of tax altogether.

The rest of what you write about fiat verses constant currency is not relevant here, although the untrustworthiness of currency issuers is a worthy topic in its own right. I have been careful to argue both sides, so as to make the nature of currency a separate issue.

Systemic Fiscial Reform
Wed Oct 15 20:35:26 -0700 2008
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I'm not really arguing where on the production cycle it would be 'best' to tax because it doesn't really matter, the taxes are ultimately paid by the consumer no matter how you look at it.

Plus I would never argue in favor of taxation to begin with because I don't really see it as a moral form of theft unlike most people.

But anyway, one you mix land with labor you can't separate them because the labor has already been expended to produce the capital good.

And 'interest' is the rate charged for the use of capital no matter if it is money loaned from the bank, a widget produced early in the production cycle, a machine press to stamp out the widgets or the labor expended to produce the widget. If you pay for something now but don't get paid for the final consumer good until the future then part of the 'profit' is actually interest charged for the loss of the use of your capital while it was tied up in the production cycle.

If you're lucky that is because there is no guarantee that you can retrieve any costs for risking your capital.

It's the theory that profit is anything above simple interest because you can get interest risk free any old time but only through risking your capital can you receive profit.

Finally, you can't seperate out fiat currency and its relationship with real capital because of the effect it has on the price of capital goods(higher) and interest charged(lower) due to its very nature, assuming constant inflation which is what we usually get. If you don't look at the Big Picture you are bound to reach flawed conclusions because you can't seperate out the parts from the whole in The Real World™.

Systemic Fiscial Reform
Thu Oct 16 05:31:42 -0700 2008
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I'm not really arguing where on the production cycle it would be 'best' to tax because it doesn't really matter, the taxes are ultimately paid by the consumer no matter how you look at it.

I really don't think that that is the case. If rent can be extracted, the cost won't be passed on since rent is the cost of being in the game. The owner of the rent-producing good will lose out, to be sure, but they cannot pass on the cost in an efficient market. Supply and demand is stronger than they are as an individual, and the supply of a rent-yielding good is fixed.

I'm not saying that the economy isn't affected; it is: cash is taken out of it, and used for government purposes. The private sector is smaller, and the government sector is larger. Unless government spending is itself productive, the displacement of workers from the private to the state sector reduces the overall amount of wealth.

However, the government has an incentive to spend upon such things as infrastructure and schools over war and welfare in that doing so directly and immediately increases their revenue. Infrastructure projects such as new rail lines can push up nearby property prices by three times the value of investment.

Such an alignment of interests has to be better than the status quo.

Plus I would never argue in favor of taxation to begin with because I don't really see it as a moral form of theft unlike most people.

I really think that this is the crux of it. Which of two immoral systems is better is a little like the question of whether you should take the red or the green poison pill.

If anything, you would not want the current system to work better, since your intent is to change it. You have to be careful of this one though if you are tempted by such a strategy: the idea making things worse so as to bring on a revolution doesn't have the most glorious past adherents.

I say that as an aside, since I don't believe that that is your position. Rather, you seem to argue things because you believe them to be the case.

But anyway, one you mix land with labor you can't separate them because the labor has already been expended to produce the capital good.

Well, you can't separate them philosophically, any more than you can separate various workers' input into a final product, but the market does it anyway, albeit somewhat arbitarily.

If you're looking for the effects of a tax upon the marketplace, it is the market's "judgement" that matters. Since taxing the land doesn't change the supply, the land will receive the same allocation as it would have done before the tax.

The philosophical argument won't change market realities, but it might bring in a moral dimension, which is what I suspect is your real drive.

Finally, you can't seperate out fiat currency and its relationship with real capital because of the effect it has on the price of capital goods(higher) and interest charged(lower) due to its very nature, assuming constant inflation which is what we usually get. If you don't look at the Big Picture you are bound to reach flawed conclusions because you can't seperate out the parts from the whole in The Real Worldâ„¢.

I agree that the nature of currency is an important question, and perhaps changing the tax system and ridding ourselves of fiat currency would both be good moves that combine non-linearly to get a whole larger than the some of its parts, but it is surely also the case that they can be argued for seperately.

I do understand that from your perspective, being rid of tax altogether would be better still. Whether that is desirable or not, I do not believe it to be attainable since the need of the less intelligent for hierarchy has a tendency to construct tax-levying entities, and eventually states. I wish that human nature were different :-(

Systemic Fiscial Reform
Thu Oct 16 06:57:23 -0700 2008
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"Since taxing the land doesn't change the supply, the land will receive the same allocation as it would have done before the tax."

There is something in this thought that is just not sitting right with me. I am not sure I can pinpoint it yet.

I don't even know if you really will get the same allocation with taxing it.

So, please give some details on how it will be taxed? A percentage of value? Who will set the value? How will the value be set? Since the land will be taxed, I assume the land will still be in private hands??? Or will the state come to own all the land somehow and tax itself or will the "tax" be in effect the rent the state charges for use of the land? In any event, how will the state tax lands that it owns?

Will this be a simple yearly "ownership" tax? Or will there be a tax on land transfer? Both? Something else?

all the best,

drew

Systemic Fiscial Reform
Thu Oct 16 08:53:28 -0700 2008
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There is something in this thought that is just not sitting right with me. I am not sure I can pinpoint it yet.

I don't even know if you really will get the same allocation with taxing it.

This is probably the biggest reason why land value tax is not prevalent today. The idea of tax that doesn't change economic behaviour is counterintuitive. Yet it is just a matter of supply and demand.

For example, if Argentians had to pay a poll tax, would their call centre operators receive more (before tax) than Indian call centre operators? I'd suggest that the answer is no, because the laws of supply and demand are ignorant of such factors. Similarly if there were a "tall persons" tax; would tall people in an apple-sorting factory be paid more to compensate?

Replace "tall people" with the land on which the factory was built, and you can begin to build an intuition as to why a land value tax would not change the allocation. The supply of land is much the same as it was before, and since all landowners are in the same position, they can't act to share the tax with the owners of the business, since they can simply move to a landlord who is more "desperate".

I have noticed that when you start to test the concept, people don't really believe in supply and demand, but more in terms of "forces". People don't like mechanisms; they like essences, which is why Marxism retains its populatity IFAICT.

So, please give some details on how it will be taxed? A percentage of value? Who will set the value? How will the value be set? Since the land will be taxed, I assume the land will still be in private hands??? Or will the state come to own all the land somehow and tax itself or will the "tax" be in effect the rent the state charges for use of the land? In any event, how will the state tax lands that it owns?

In order to be taxed, land has to be surveyed so as to get an estimate of its unimproved value. This is important, or else there wouldn't be an incentive to improve the land. My understanding is that where this is done, requests for re-evaluation are rare compared with land transactions generally (of the order of 2%). A bill would then be send to the landowner which would be a fraction of the rate of interest on that value. Henry George would have that fraction be one (100%); for me, it would be the value that it needs to be to eliminate transactional taxes (short of 100%). The land would remain in private hands.

The tax department would charge the department that "owned" the land. It is important that state entities face the same tax regime as everyone else so that they themselves act efficiently.

Will this be a simple yearly "ownership" tax? Or will there be a tax on land transfer? Both? Something else?

See above for billing. Land transfer would be untaxed, although future liability for the tax would lie with the new owner.

Systemic Fiscial Reform
Thu Oct 16 10:25:29 -0700 2008
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"In order to be taxed, land has to be surveyed so as to get an estimate of its unimproved value."

And is this to be done for all land? Or does the tax only begin to be due when you request for your land to be surveyed and appraised? I assume the former.

Now, since it seems there is a benefit these days to having land left alone and pristine, it seems there will have to be a mechanism to allow for this or you would tend to force all land to be developed at least to the point where the income from it equals the tax bill.

Or am I missing something key still?

drew

Systemic Fiscial Reform
Sun Oct 26 08:30:34 -0700 2008
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Now, since it seems there is a benefit these days to having land left alone and pristine, it seems there will have to be a mechanism to allow for this or you would tend to force all land to be developed at least to the point where the income from it equals the tax bill.

Actually, you point out a real problem: and that is environmental, rather than economic. Luckily, you also point the way to a solution.

Systemic Fiscial Reform
Thu Oct 16 10:26:10 -0700 2008
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Help me out here.

How is this different from our current property tax system?

Systemic Fiscial Reform
Thu Oct 16 12:51:53 -0700 2008
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See, I don't know about your property tax system but ours goes something like this.

No property tax on undeveloped land, only on developed land. No property tax on land under a certain value.

No property tax on developed or undeveloped land in the out islands for citizens.

So, since there is no property tax on undeveloped land here, there is no reason to have it appraised if you are sitting on it, letting it be. A lot of it is not properly surveyed either as I understand things.

all the best,

drew

Systemic Fiscial Reform
Fri Oct 17 17:16:19 -0700 2008
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Hmm, that too would tend to limit development.

Systemic Fiscial Reform
Fri Oct 17 18:37:43 -0700 2008
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What exactly in the mix would tend to limit development?

Because the no tax on developed land in the out islands for Bahamians is intended to spur development in the out islands.

At least that is one of the justifications I have always heard spoken about.

all the best,

drew

Broken Window Fallacy

Thu Oct 16 12:35:05 -0700 2008
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I have noticed that when you start to test the concept, people don't really believe in supply and demand, but more in terms of "forces". People don't like mechanisms; they like essences, which is why Marxism retains its populatity IFAICT.

You're only looking at one aspect of supply of demand; if supply stays the same then demand will stay the same.

You ignore the other part that says if you raise prices demand will fall and if you lower prices demand will rise. As you point out there is a static supply of land so it would be impossible to increase supply to lower the prices to compensate for the lower demand nor would it make economic sense because as demand falls it would cause a surplus of unrented properties and make it virtually impossible to charge the true cost of the land to the renters. Which is actually the plan, to destroy 'rent'.

If you raise the prices across the board and don't allow the businesses to pass on the increased costs, as is the whole point of this is to stop land 'rent seeking', then you will have a situation where the marginal buyers and marginal sellers can't reach a market clearing price.

The current rents will be too low for the sellers who won't rent the land at a loss (presumably to pass it on to someone who will use it more efficiently) and the new rent that takes into account the increased taxes will be too high for the marginal buyers who will then either close up shop or go find another place to rent with added moving costs (if the one time moving costs don't put them out of business).

I do agree that the Marxists don't get this since they can't seem to understand that something simple like minimum wage actually causes unemployment as the businesses who can't afford the now more expensive marginal workers just lay them off.

Eventually everything will stabilize at a newer, grander, lower business level because they will be paying 100% of the taxes to support government directly instead of spreading it out to all different levels of the economy and there would be less of them to bear the burden...

As I was saying earlier about the basic premise being flawed, they wish to destroy the land rental market because it infringes on someone's 'right' to land ownership.

Broken Window Fallacy
Fri Oct 17 17:18:49 -0700 2008
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I do agree that the Marxists don't get this since they can't seem to understand that something simple like minimum wage actually causes unemployment as the businesses who can't afford the now more expensive marginal workers just lay them off.

Just like the capitalists can't seem to understand that if you get a tax deduction for payroll, there should NEVER be any reason to be rich enough to have income taxes at a higher rate.

Broken Window Fallacy
Fri Oct 17 19:40:23 -0700 2008
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What?

Broken Window Fallacy
Sun Oct 26 08:27:37 -0700 2008
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I'd have replied sooner, but the world and her dog arrived at my door, and I've been somewhat busy.

You ignore the other part that says if you raise prices demand will fall and if you lower prices demand will rise. As you point out there is a static supply of land so it would be impossible to increase supply to lower the prices to compensate for the lower demand nor would it make economic sense because as demand falls it would cause a surplus of unrented properties and make it virtually impossible to charge the true cost of the land to the renters. Which is actually the plan, to destroy 'rent'.

Supply and demand is more complex than that. There are competing uses for the land, and all are equally taxed. Supply and Demand works because another thing becomes relatively more or less desirable given the change in price. The use of the land does not change. You are right, however, that the owners of the land get less rent for it, but then (in a steady state scenario), they paid less for the land in the first place.

Destroying 'rent' is indeed socialist's interest in the plan; my interest is different: that of eliminating transaction taxes on the basis that these do interfere with economic activity. A land tax wouldn't stop me fixing your roof and you painting my fence; a transaction tax might.

If you raise the prices across the board and don't allow the businesses to pass on the increased costs, as is the whole point of this is to stop land 'rent seeking', then you will have a situation where the marginal buyers and marginal sellers can't reach a market clearing price.

Not really. The land is cheaper in the first place (as it is less valuable), so that if the business owns the land, the interest on the capital used to buy the land is lower to compensate for the tax. That prices rise across the board is a false premise.

The real issue is the transition. However, full compensation is possible. This is the case because whereas transaction taxes have a deadweight loss, taxes on economic rent do not, so that there should be greater economic activity resulting in higher tax revenues over the period of transition (and beyond).

[snip]

Systemic Fiscial Reform
Thu Oct 16 06:47:40 -0700 2008
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"It's the theory that profit is anything above simple interest because you can get interest risk free any old time but only through risking your capital can you receive profit."

In an honest system, can you get interest without risking your capital? If you loan your money out at interest, it may not get paid back after all.

all the best,

drew

Systemic Fiscial Reform
Thu Oct 16 11:51:32 -0700 2008
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Depends on what you consider honest, I suppose.

That's one of the roles banks are supposed to play, assuming the risk for their customers money they loan out.

The depositors get simple interest while the banks earn entrepreneurial profits on top of that by charging the loanees a higher interest rate than the they pay the depositors.

All the moral hazard introduced by 'insured doeposits' and 'lender of last resort' has changed that role but I don't think too many people classify modern banking as honest.

Systemic Fiscial Reform
Thu Oct 16 12:05:58 -0700 2008
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That's one of the roles banks are supposed to play, assuming the risk for their customers money they loan out.

But they don't loan out their customer's money.  Instead, they create new money to loan out at many times the amount of their customer's money, thus avoiding the need to split the higher interest rate with depositors.

All the moral hazard introduced by 'insured doeposits' and 'lender of last resort' has changed that role but I don't think too many people classify modern banking as honest.

I certainly don't.  But then again, I don't classify any system that hides information as honest.

Systemic Fiscial Reform
Thu Oct 16 12:54:35 -0700 2008
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That's why I said 'supposed to play'...

Systemic Fiscial Reform
Thu Oct 16 13:00:21 -0700 2008
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Let's put down a real simple bank play without fractional reserve banking.

Bank has 1,000,000 in equity on its balance sheet.

Bank takes in 1,000,000 in deposits into accounts that can be withdrawn at any time. Interest rate 2%.

Bank loans out 1,500.000 in loans that can be called at any time. Interest rate 4% or greater.

On a day just like any other day but different, all the depositers want their money. So bank calls in enough loans so that they can meet this demand. But the people who borrowed can't repay and now the bank can't repay.

How do the depositors get their money back? (Forget insurance schemes for the example.)

all the best,

drew

Systemic Fiscial Reform
Thu Oct 16 13:15:17 -0700 2008
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You just described a fractional reserve system.

Bank takes my $1000 and $1k from nine other people and loans it to the local honest used car dealer. None of this money is a demand deposit because we all know that it isn't available until some point in the future, probably have that date stipulated in the contract.

The bank does this a thousand times a month and has constant money churn all the while never touching the demand deposit accounts so all the demand depositors could take out their money and the bank wouldn't have to call in a single loan to cover it.

That's the way it's supposed to work where a demand deposit is a bailment contract and timed deposits are a 'loan' to the bank and not where they have full use of all the money in their vaults and are protected from losses by law and the banking cartel.

Systemic Fiscial Reform
Thu Oct 16 15:16:55 -0700 2008
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You know, I am beinng a bit of a dunce on that one.

Forget that I said without a fractional reserve system on that example.

Now for the other way.

You put money in the bank but not on fixed deposit. Bank can't lend this out as you may ask for it tomorrow. Therefore, bank can't earn interest on it, therefore they can't pay you interest on it.

Since they don't lend it out, it should be there for me unless they have a robbery.

Hence my original question: "In an honest system, can you get interest without risking your capital?"

I put money in on fixed deposit. Bank can loan that out and have the loan due on or before the day my fixed deposit comes due. Bank pays me x% interest and charges (x+y)% interest to the borrower.

But in this case my money is at risk.

drew

Systemic Fiscial Reform
Thu Oct 16 15:37:06 -0700 2008
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There's always some risk, that's just the way the world works.

I'd say there is a lot less risk in a proper banking system than keeping it stashed in your mattress or buried in your backyard. You're only risking the total and complete collapse of the bank and not assuming the risk involved in the loan the bank makes.

I don't think they would do something like risk your money on a $1 million loan to someone earning $30k/year if it came down to them having to pay up if the loan defaulted.

Systemic Fiscial Reform
Fri Oct 17 14:12:13 -0700 2008
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"I'd say there is a lot less risk in a proper banking system than keeping it stashed in your mattress or buried in your backyard."

Sure, but aren't we at least partially discussing just what a proper banking system is? An honest system and all that...

all the best,

drew

Systemic Fiscial Reform
Fri Oct 17 14:38:12 -0700 2008
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Well, you're not going to get interest on a demand deposit but will have to pay a warehousing fee for them to watch your money and give you convenient means of payment like checks and debit cards.

If you want interest you need to open a timed deposit where the money isn't able to be taken out at any random time because the bank doesn't necessarily have it. They pay you interest so they can use your money to loan to others and they also assume the risk of the loan failure, any losses are taken out of their profits and not your deposit.

Short of a bank failure your money is 'safe'.

That would be a proper banking system, a bailment contract for demand deposits and the money they lend is specifically given to them for that task as a loan or an investment in the bank.

Systemic Fiscial Reform
Fri Oct 17 15:35:37 -0700 2008
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Looking at your post, I think we may be in agreement with what an honest system is.

I think what I was trying to get at (I am having problems with the display of these deeply indented conversations) is that in an honest system, you can give your money to a bank for safekeeping in an account which you can withdraw at anytime but then you can't get interest or you can put it in a fixed deposit and get interest.

This getting interest on accounts that you can take your money out at any time is problematic for an honest system. Or do you disagree?

all the best,

drew

Starting a business, in Antarctica
Wed Oct 15 09:01:41 -0700 2008
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Guy,

I'm a long time silent fan of your articles, but something about that last bit about the custom builders made me need to write in, mostly because it's inconsistent with some of your previous articles.

You are two quick to discount the value and ability of, to be abstract, welders and finish builders. Those are two skills that should earn them the title of "someone who builds stuff with their own hands" without question. By your logic, NOBODY has any right to such a title, because apparently, they can't make a product entirely from raw materials. Let's take a look at your hypothetical motorcycle manufacturer to see how absurd this would be.

In order to earn your title and bragging rights, you'd have to make the brake systems in house. Now, it's not that hard to make a caliper, a rotor, and some pistons on a CNC machine. Some motorcycle builders can do that in house. You could probably do it with your system. However, what about the finish parts for the breaks? The pistons are going to need seals, and that means either a ring made of specialty steel and heat treatment, or typically a rubber boot. So to get the title, you're going to need to be able to mold and vulcanize rubber in-house. What about the banjo fittings on the break lines? Well, now you need a casting and heat-treatment plant in house. I could go on, and that's just for the brakes; let's not even start with all the specialties required to build an engine. The worst part of this is that even if you could do all of these things (apparently required to say you can build stuff with your hands), you'd end up with a braking system not designed by braking engineers- which is where the inconsistency comes in, as you've argued against this very situation in the past.

The point is that you're discounting a group of people with a skill far surpassing 99.several 9s percent of people in the modern world, because they don't have skill in a variety of specialties, any one of which alone would have me bragging about building stuff with my own hands.

That aside, building complex machines such as motorcycles and cars has NEVER been even a one-company operation. GM had suppliers for stuff like steering boxes, and those suppliers had suppliers for stuff like seals and specialty forged parts, and those suppliers had their own suppliers, all the way back to the mines and rubber trees. The strength of your argument isn't that people can't do this stuff by themselves, but that the supply chain has been broken. Yes, those finish builders would be out of luck to build their product without their supply chain. And most unfortunately of all, breaking that supply chain may become a reality sooner rather than later with protectionism and soaring shipping costs.

Starting a business, in Antarctica
Wed Oct 15 10:30:53 -0700 2008
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The point is that you're discounting a group of people with a skill far surpassing 99.several 9s percent of people in the modern world, because they don't have skill in a variety of specialties, any one of which alone would have me bragging about building stuff with my own hands.

If only that were so.

I'll take the point about "not everyone can make a brake caliper from raw ore", indeed, neither should they, economies of scale and all that.

However...

The fact is that armed with the Custom Chrome catalogue and equivalents building a so called "custom" bike is as hard, literally, as building a "custom" computer.

You just pays your money and order a bunch of bits that are all designed to fit.

As for the alleged elite metal fabrication skills, you're having a laugh, go ask a certified welder like a boilermaker or suchlike what they think of the welding and fab on these shows, you're in for a very nasty shock.

Here is a classic example, and I've downloaded and watched at least 30 biker build off episodes, and at least as many again similar programmes.

Every last one of them, without exception, builds the exhaust pipes like day one amateurs, they all start at the motor, add randomly cut pieces tacked together, and end up at the end, completely, totally and utterly wrong, you start with both ends fixed, and even if you don't have a pipe bender you learn how to mark and cut pipe on a radius to that the two ellipses join perfectly, instead of what they all do which is cut on the straight bits.

Exhaust pipes also need to have a specific volume, for a 4 stroke motorcycle that volume is a multiple of the cylinder displacement, not just some random length that came out like it came out, which makes an utter mockery of tuning the engine.

Welding frames is even worse, nobody has an eye for stresses and nobody anneals the metal, just chop and tig, which is another reason all the bikes look like abortions and end up as glorified torture machines designed for nothing quite so well as destroying the human spine.

OK, not everyone can do primo paint, but everyone can do fairing and filling, except nobody does, and it is an EXTREMELY eare custom frame that doesn't show a weld.

My current (off the road for two years awaiting a re-wire and rebuild that I just don't seem to be able to prioritise) bike (gallery, page 1, 3rd one down, 6 pics, none of which show any of the detail work) , which was made with exotic tools like files and hacksaws and stone age stuff like that, is sufficiently "custom" that people who have been riding 20 years come up and ask "Is that a TR1?" and sure as shit didn't cost 20 thousand dollars.

Since those pictures were taken it has been painted by an 18 year old girl under my supervision, and the wiring loom will be made up from scratch, which again leaves all these "custom bike builders" for dead.

There's 30 plus years of hard riding experience gone into the customisation of that bike, a bike that until I took it off the road did 2 thousand miles a month in all weather, everything just falls into place and with rider the centre of gravity is less than two feet above the ground and smack bang between the two axles, with the result that it feels like being slung down the road on a tea tray, without exception everyone who has a go gets off with a major grin and starts talking about FUN, and how all that amazing "old" technology like big wheels and old style forks and shocks and old style tyres don't actually seem to get in the way of performance, corners better than their 16" wheels with upside down forks and low profile tyres, blah blah blah, only thing it is lacking is power, and that too is deliberate, a low tuned motor pulling very tall gearing, you go fast (if you want to) by not having to slow down for corners etc, and sustaining 100 mph plus apart from soon costing your licence kills your neck in short order, sides, I can sit on that girl doing 70+ on the A roads all day and get off and I don't know I've been in the saddle, no numb ass, no aching back, no cramped shoulders...

Nah, sorry dude, just can be with you when it comes to the so called custom bike builders as featured on the telly.

There are tens of thousands of guys out there not promoting themselves wildly on the telly who have built real custom bikes, with real skills.

Natural resource irony

Wed Oct 15 09:38:23 -0700 2008
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I get why the UK is in this fix, somewhat- there's a potential physical problem there of lost empire, too small of an island, limited natural resources.

What I don't get is why the United States is in the same fix- only worse.  We send ore & scrap metal overseas to Asia for processing.  Why the hell are we doing that?

Natural resource irony
Wed Oct 15 10:54:11 -0700 2008
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I get why the UK is in this fix, somewhat- there's a potential physical problem there of lost empire, too small of an island, limited natural resources.

We've still got a metric buttload or resources, those same resources that built our empire, but we closed all the mines, all the smelters, all the factories, and built shopping malls and housing estates on top of them.

Natural resource irony
Wed Oct 15 11:05:07 -0700 2008
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Must be another one of those cases of "irrational rationality" that I just don't get- why would anybody close a mine that wasn't played out?

Natural resource irony
Wed Oct 15 11:13:29 -0700 2008
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Because it was cheaper to import coal from Poland than to mine it here, even though their coal was mainly lignite and ours was mainly anthracite.

Thatcher.

Natural resource irony
Wed Oct 15 11:36:11 -0700 2008
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Oh, I thought you meant a non-energy mine, something that isn't renewable in 1000 years or so.

Coal is pretty common.  Just about any forested area or area that was forested has some.

Iron is pretty common too.

Bauxite is less common, but still common enough that anyplace you have the energy, you have the ore nearby to make alluminimum.

But I'd think that say, copper, gold, tin, silver- these would all be long gone in Europe, with no producing mines left.  Is that so, or have they too been closed up simply because the labor is more expensive?