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Solution to poverty - zero interest loans

In my previous text “Global 12 hour working day rule” I suggested that work is shared and more money from salary is given to workers themselves and less to taxes. This is in situation where work is shared, even three workers can share one job. But when taxation is lessened social security is not what it is today. If for example sick- leave payments are not paid anymore, where people get money when they are sick? Answer is state-granted zero interest loans. State can give money, not like social benefits that are free, but social benefits as loan that must be paid back. That in situation where money that normally goes to social benefits is given away in salary, because every workplace/job is shared between two or three workers. So if they become sick and they won t have sick- leave payments because money that previously went to sick- leave payments is now given workers in salary as extra, because they are doing shared work. They won t get money for free from state anymore like previous time before work sharing, instead they get zero interest loan from state that they must pay back when they become health again and return to work. Only in situation where they became so sick they cannot work anymore they cannot have money from state (because that money must somehow be paid back). State granted zero interest loans, from state central bank, are one way to replace social benefits when there is no as large social benefits anymore like nowdays (because that money is given away as salary to those that do shared work). Loaned money from state can help pay hospital bills etc. Those who fell completely out of the system, like those who now need pension due to sickness, need help from charity organisations etc., because state has no money to pay for them in shared work situation. This in case if money from pensions due to sickness is given to salary as extra to everyone who do shared work. There can be different taxation systems in shared work situation also, including one where pension due to sickness is granted, but money pensioner receives is less than nowdays. So social security, altough less than nowdays, can be in shared work society also, even in case where three workers share same job. Also state granted zero interest loans can help, because loans have zero interest, they make some financial loss to state because of inflation, but still they are one way to help people. Another way is for example if pension due to sickness is not anymore, that sick people who need pension got pension but that comes from property, for example apartment that sick people owns, he/she sells his house to state, and state grants money to sick people in form of pension which is exchanged to apartment that sick person owns, or part of that house s selling price when that sick person dies and house is sold. Those are just few ways to replace social benefits in situation where money for social benefits are no more so comprehensive as nowdays because that money is given away as extra to salary in shared work society. Different level of taxation can be in shared work society, worker can even himself/ herself decide what level of social security he/she wants and how much taxes he/she pays to society. If he/she chooses more money for salary and less to taxes he/she takes risk that if he/she become sick he/she won t get social benefits money. If he/she chooses more taxes he/she will get more social benefits. Different levels of social benefits which workers can choose individually can be in shared work society, not system like nowdays where 50% of worker s money that he/she has earned doing hard work goes to taxes and expenses and to those who have no work, and so those who do not work get money (social benefits) for free. But what about those who are too sick to work, and do not have property to give to state as exchange to pension due to sickness? Solution is inherited debt. Person gets (small) pension from state, and after this person has died, this debt (also perhaps with zero interest rates, so inflation does not increase amount of debt) is transferred to living relatives of this person. So inherited debt is solution to those who have no property and are too sick to work. This in situation where three persons share one job. One job can be shared by two people so that some form of social security can be in use, and even three people can share one job and all three can have some form of basic social security, but sick-leave payments and pension due to sickness is impossible in three people in one job scheme, so other ways to get money must be used. In shared work society there is no more day jobs (8 hour/day throughout year and only about 6 weeks of holiday time in year plus weekly holidays), every job is part-time job, in all levels of society, so everyone is part-time worker, doctor, lawyer, engineer, industrial worker, or ordinary cleaner. But instead of less hours per day than 8 hours, workers do less working days, so actually working day can be up to 12 hour long, and working hours are counted as yearly (or monthly) level, not as day/week. Employer pays “overtime” payment as nowdays if one job that two or three worker does exceeds working hours of that normal one worker s job hours. So every job, altough now there is two or three workers doing it, is counted as one job in employer s count, and normal working hour payments, including overhour payments, is in force like any normal 8 hour/day job nowdays. However there is two or three workers doing that one “virtual 8 hour/day” work. If “overwork” is done, meaning those two or three workers do more working hours together than one worker normally does in 8 hours/day counted on yearly basis (working hours are counted in yearly basis, and normal nowdays working hours per job per year is the one “virtual day job” that two or three workers share, so because working hours are counted in yearly basis working day can be 12 hours long per part-time worker, without overtime payments, worker just does less working days in year than nowdays, only when monthly or yearly working hours exceeds that one job 8 hour/day level, employer must pay overhour payments, like employer must pay nowdays if worker must do monthly more working hours than normal 8 hour/day). “Overhour” payments are paid to those two or three workers doing shared job, like overhour payments are paid to one worker that does more than 8 hour/day. So there is no change to salary that employer pays per job, and no change to working hour payments per job in monthly or yearly basis, altough now there are two or three workers, not one, in one job. Those two or three workers must share money from one job, so they need much more than 50% after costs and taxes that employer nowdays pays (in Finland, first employer for example pays 1600 euros for job, 600 euros goes to taxes and expenses that employer pays, then worker must pay taxes also from that 1000 euro that he/she gets, so actual sum of money worker gets is less than 800 euros from sum of 1600 euros that employer pays for him/her for job), workers must get closer to 100% of money employer pay for job, not less than 50% which is standard nowdays, so that will be challenging situation to state which must have some sort of social security / social benefits with less taxation of work. But no unemployment benefits are needed, and no other social benefits that are connected to unemployment, no housing benefits etc. Everybody who wants it has then job, altough it is now part-time job. No social unrest due unemployment triggered crimes, sickness etc. is anymore. People have also more spare time than they ever had, altough they have work also. There can be three times more than nowdays doctors, lawyers, engineers etc., high prestige / highly paid jobs tripled. Working day can be 12, 10 or 8 hours long, and workhours counted as yearly (or monthly) basis, so there is few months (or weeks in every month) of work in a year and then rest of the working year is just long holiday. So every working year is like long holiday with few months of work (or few weeks / only one week is working week in every month).