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Anarcho Morgages - Debt Free Mortgages

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Proudhon Estate Agents Proudly Presents:

Anarcho-Mortgages

"Anarcho Mortgages are a debt free alternative to the standard slave-to-buy mortgage. They are tailor made for the modern anti-authoritarian thinker adverse to the privilege of the rich & powerful. They are a non profit based solution for a post-masters epoch.

Calculating your Mortgage

To Calculate your mortgage, we basically work out how many acres of land you would be entitled to by dividing the estimated amount of land on earth by the estimated amount of people on the planet & then multiply by how many people in your family or group...."

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Proudhon Estate Agents Proudly Presents:

Anarcho-Mortgages

"Anarcho Mortgages are a debt free alternative to the standard slave-to-buy mortgage. They are tailor made for the modern anti-authoritarian thinker adverse to the privilege of the rich & powerful. They are a non profit based solution for a post-masters epoch.

Calculating your Mortgage

To Calculate your mortgage, we basically work out how many acres of land you would be entitled to by dividing the estimated amount of land on earth by the estimated amount of people on the planet & then multiply by how many people in your family or group...."

Ace.

Remind me why would I give up the whole earth to sit in some poxy field?

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More Excerpts:

"Fellow Wage Slaves,

As you well know, the value of land is kept artificially high by the fact

that it was all stolen with extreme force (long before we were born).

Property laws were then put in place to protect & keep the land in the

hands of the few & eventually a police force was created to uphold

these laws by coercion.

In Britain, only 0.6% own 69% of the land. Basically, the same

aristocratic families who owned it in the 1800's & before (See Sources

below).

The power & privilege of the rich elites is safe, as long as we - the

people - don't realise that we have been rendered landless peasants

by these actions, thus forcing us to become wage slaves & work

25-30 years hard labour just to buy or rent a tiny scrap of land on top

of the fair amount of work we would have to do just to produce to

consume & eat."

Anarcho-Mortgages

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For example, abolishing all forms of rent for those owning less than their fair share of land, or heavily taxing those owning more than their fair share & monetarily compensating those with little or no land with the proceeds to pay rents, breaking up farmland intovoluntaristic agri -collectives, expropriating unused land for rent free zones for houses & liberating land/resources monopolized by Corporations into worker control.

For a peaceful society, it is helpful if people are able to to provide for themselves without the need for permission from others. Land has only limited supply meaning that a lack of land can only be remedied with the co-operation of someone else. If land is considered to be unfairly allocated, it is helpful to facilitate this exchange by taxing land (rather than unlimited commodities) which makes rent-seeking less profitable.

We certainly did not get here via the free market... Property rights are a matter of (State) opinion. If the State is to help anyone, surely it should be those who cannot otherwise help themselves.

http://en.wikipedia.org/wiki/Land_value_tax

Real estate bubbles direct savings towards rent seeking activities rather than other investments, and can contribute to recessions which damage the entire economy. Advocates of the land tax claim that it reduces the speculative element in land pricing, thereby leaving more money for productive capital investment and making the economy more stable.

The case for taxing land

http://www.newstatesman.com/200409200007

(Land value tax, Land tax) Ricardo's Law ~ The Great Tax Clawback Scam

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For a peaceful society, it is helpful if people are able to to provide for themselves without the need for permission from others. Land has only limited supply meaning that a lack of land can only be remedied with the co-operation of someone else. If land is considered to be unfairly allocated, it is helpful to facilitate this exchange by taxing land (rather than unlimited commodities) which makes rent-seeking less profitable.

We certainly did not get here via the free market... Property rights are a matter of (State) opinion. If the State is to help anyone, surely it should be those who cannot otherwise help themselves.

Anarchy & co-operation are not mutually exclusive concepts.

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http://cooperativeindividualism.org/land-question_m-q.html

Paine, Thomas (1737-1809)

In the age of rebellion against monarchy and landed aristocracy, Paine brought his ideas from the Old World to North America. He wrote the pamphlet Common Sense which helped to ignite the spirit of rebellion in the colonial citizens of England's colonies. In a later pamphlet, Agrarian Justice, he wrote:

t is the value of the improvement, only, and not the earth itself, that is individual property. Every proprietor, therefore, of cultivated lands, owes the community a ground-rent (for I know of no better term to express the idea) for the land which he holds; and it is from this ground-rent that the fund proposed in this plan is to issue. ...The plan I have to propose ... is, To create a national fund, out of which there shall be paid to every person, when arrived at the age of twenty-one yers ... a compensation in part, for the loss of his or her natural inheritance, by the introduction of landed property ...

Men did not make the earth, and though he had a natural right to occupy it, he had no right to locate as his property in perpetuity any part of it; neither did the Creator of the earth open a land-office, from whence the first title-deeds should issue.

"The earth, in its natural state … is supporting but a small number of inhabitants, compared with shat it is capable of doing in a cultivated state. And impossible to separate the improvement made by cultivation from the earth itself upon which that improvement is made, the idea of landed property arose from that inseparable connection; but it is nevertheless true that it is value of the improvement only, and not the earth itself, that is individual property. Every proprietor, therefore, of cultivated land owes to the community a ground-rent, for I know no better term to express the idea by, for the land which he holds. …Cultivation is one of the greatest natural improvements ever made. . . .But the landed monopoly that began with it has dispossessed more than half the inhabitants of every nation of their natural inheritance." [Thomas Paine, Agrarian Justice, 1797]

Mill, John Stuart (1806-1873)

John Stuart Mill, in his Political Economy, 1848, took the position that land ownership is less justifiable than the ownership of other wealth. "Landed property," he said, "is felt, even by those most tenacious of its rights, to be a different thing from other property."

When the sacredness of property is talked of, it should always be remembered that any such sacredness doe snot belong in the same degree to landed property. No man made the land. It is the original inheritance of the whole species. Its appropriation is wholly a question of general expediency. When private property in land is not expedient, it is unjust. It is no hardship to anyone to be excluded from what others have produced: they were not bound to produce it for his use, and he loses nothing by not sharing in what otherwise would not have existed at all. But it is some hardship to be born into the world and to find all nature's gifts previously engrossed, and no place left for the new-comer. [book 2, ch. 2, sec. 6.]

Landlords grow rich in their sleep without working, risking or economizing. The increase in the value of land, arising as it does from the efforts of an entire community, should belong to the community and not to the individual who might hold title. [book 5, Ch. 2, Sec. 5]

Those who think that the land of a country exists for the sake of a few thousand land-owners, and that so long as rents are paid, society and government have fulfilled their function, may see in this consummation a happy end to Irish difficulties. But this is not a time, nor is the human mind now in a condition, in which such insolent pretensions can be maintained. The land of Ireland, the land of every country, belongs to the people of that country. [From: Political Economy, Book II., Chap. 10, Sec. 1]

A tax on rent falls wholly on the landlord. There are no means by which he can shift the burden upon anyone else. [From: Elements of Political Economy, Book V, Chap. III, Sec. 2]

The essential principle of property being to assure to all persons what they have produced by their labor and accumulated by their abstinence, this principle cannot apply to what is not the product of labor, the raw material of the earth. [From: Political Economy, Book II, Chap. 2, Sec. 5]

When the "sacredness of property" is talked of, it should always be remembered that any such sacredness does not belong in the same degre to landed property. [From: Political Economy, Book II, Chap. 2, Sec. 6]

The greatest "burthen on land is the landlords." [From: Elements of Political Economy, Book II, Chap. 2, Sec. 6]

The social problem of the future we consider to be how to unite the greatest individual liberty of action with a common ownership in the raw material of the globe, and an equal participation of all in the benefits of combined labor. [From: Autobiography, Chap. VII, p.232]

The ordinary progress of a society which increases in wealth is at all times to augment the incomes of landlords -- to give them both a greater amount and a greater proportion of the wealth of the community, independently of any trouble or outlay incurred by themselves. They grow richer as it were in their sleep, without working, risking or economizing. What claims have they, on the general principlesof social justice, to this accession of riches? [From: Principles of Political Economy, Book V, Chap. 2, Sec. 5]

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While commendable, the calculations it uses are not accurate.

Your 14 acres would not be a field, much of it would be desert, ice or rock. At best, half of it would be available, a quarter needed for your food, and a quarter to live on.

Or, if you want to have a more doom-mongering opinion:

The future of the planet is closely tied to that of the Sun. As a result of the steady accumulation of helium ash at the Sun's core, the star's total luminosity will slowly increase. The luminosity of the Sun will grow by 10 percent over the next 1.1 Gyr (1.1 billion years) and by 40% over the next 3.5 Gyr. Climate models indicate that the rise in radiation reaching the Earth is likely to have dire consequences, including the possible loss of the planet's oceans.

The Earth's increasing surface temperature will accelerate the inorganic CO2 cycle, reducing its concentration to the lethal levels for plants (10 ppm for C4 photosynthesis) in 900 million years. The lack of vegetation will result in the loss of oxygen in the atmosphere, so animal life will become extinct within several million more years. But even if the Sun were eternal and stable, the continued internal cooling of the Earth would have resulted in a loss of much of its atmosphere and oceans due to reduced volcanism. After another billion years all surface water will have disappeared and the mean global temperature will reach 70°C. The Earth is expected to be effectively habitable for about another 500 million years.

Bah, our Sun will be around for 10 billion years, and its only letting us exist for 5% of that time? Crankiest landlord/ energy supplier ever, hope the b4stard ends up in a black hole instead of getting to enjoy it's white dwarf retirement.

Edited by DementedTuna

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While commendable, the calculations it uses are not accurate.

Your 14 acres would not be a field, much of it would be desert, ice or rock. At best, half of it would be available, a quarter needed for your food, and a quarter to live on.

Yes, I was going to mention that only approx. 20-30% of the earth's land surface would be fully habitable, the rest being totally uninhabitable or used for agricultural purposes, meaning the average person would only get to have 3 to 4 acres to his/herself, but it didn't seem important since, I did mention in the Anarcho-Mortgages section that a wide scale land reform:

would be wholly unworkable in practice, particularly in the

more advanced-industrialised societies, because it would lead to a

devastating holocaust of famine & disease, killing tens if not 100's of

millions*.

However, never fear, because sharing or cutting up the land isn't the

only solution. There are many viable ways of dealing with the invisible

slavery inherent within the Capitalist system of upholding property laws.

For example, abolishing all forms of rent for those owning less than their

fair share of land, or heavily taxing those owning more than their fair

share & monetarily compensating those with little or no land with the

proceeds to pay rents, breaking up farmland into voluntaristic

agri-collectives, expropriating unused land for rent free zones for houses

& liberating land/resources monopolized by Corporations into worker

control. The possibilities are endless.

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While commendable, the calculations it uses are not accurate.

Your 14 acres would not be a field, much of it would be desert, ice or rock. At best, half of it would be available, a quarter needed for your food, and a quarter to live on.

Or, if you want to have a more doom-mongering opinion:

Bah, our Sun will be around for 10 billion years, and its only letting us exist for 5% of that time? Crankiest landlord/ energy supplier ever, hope the b4stard ends up in a black hole instead of getting to enjoy it's white dwarf retirement.

Actually I think that most of it would be sea. From memory the land surface of the Earth is c. 57 million square miles. (I seem to remember the British Empire at it's greatest extent was 13.9 million square miles which was roughly 1/4 of the land surface of the Earth).

Edit: Ooh, well remembered: Google says "Surface: Land surface 150,000,000 sq km, 57,500,000 sq mi." Science Desk Reference American Scientific. New York: Wiley, 1999: 180

Edited by youthoftoday

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Bah, our Sun will be around for 10 billion years, and its only letting us exist for 5% of that time? Crankiest landlord/ energy supplier ever, hope the b4stard ends up in a black hole instead of getting to enjoy it's white dwarf retirement.

Not a problem. Life can evolve to adapt to varying conditions - as it has over geological time up to now.

The problem is rapid change due to man's actions. Pollution will kill off high metabolic rate life forms (most if not all warm-blooded species), possibly within the natural (expected) lifetime of some alive today. Meanwhile, millions of insect and other small species will survive and flourish, probably together with bigger cold-blooded animals less sensitive to bad air.

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Not a problem. Life can evolve to adapt to varying conditions - as it has over geological time up to now.

The problem is rapid change due to man's actions. Pollution will kill off high metabolic rate life forms (most if not all warm-blooded species), possibly within the natural (expected) lifetime of some alive today. Meanwhile, millions of insect and other small species will survive and flourish, probably together with bigger cold-blooded animals less sensitive to bad air.

My money's on the scorpions.... ;)

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Want to know something 'ed up? If every human being lived Spain, and the land of Spain was equally divided up, each human being all 6 billion would get 1/4 acre for themselves.

Its only political control that keeps the world land poor.

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  • 284 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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