The free market is an economic system based on supply and demand with little or no government control. It is a summary description of all voluntary exchanges that take place in a given economic environment. Free markets are characterized by a spontaneous and decentralized order of arrangements through which individuals…


Community infrastructure produces output that members of a community need or want. Today there are two primary sources of money to fund infrastructure — private corporations and governments. Private corporations raise money by promising investors a return on investment with a share of profits. …


efficiency: the good use of time and energy in a way that does not waste any — Cambridge Dictionary.

The daily value of foreign exchange was $6.6 trillion in 2019, while world trade's daily value was $0.052 trillion. …


Equal investing means every dollar of every investor has an equal value when invested in a business. Investing today is far from this ideal. The value of an investment depends on who invests when they invest and how much they invest. …


Housing democracy means every citizen has equal access to funds to own the house in which they can afford to live. Today’s monetised housing market fails this simple test. …


The levelised cost of energy (LCOE) is a measure of energy cost used to help decide energy projects.

Assume equal costs and an equal amount of output each year. The Levelised Cost of Energy approximates to:

LCOE = Total Cost divided by the total output.

Total Cost = Capital Cost…


Stranded Asset Compensation

A common approach to compensate for the loss of an asset is the asset swap. This proposal suggests a swap of the investment dollars coal miners have sunk into coal mines and not recovered plus the funds required to close the coal mines and reclaim the land. The swap is…


Community Loans are used to purchase or build community assets for the benefit of the community. The community owns the assets, and community members become custodians of a subset of the assets. For example, some local community members may decide to pool their resources to purchase and maintain the dwellings…


Capitalist — a person who has capital especially invested in a business.
A definition from Merriam-Webster

Capital can take many forms. An ancient form of capital is custodianship. Custodianship is the obligation to look after capital and gain a benefit from its use.


The mechanics of the financial and monetary systems dominate economic thinking. Gross Domestic Product or the cost of buying and selling goods and services measures wealth. Value equates to price, and money can earn more money simply by existing. Today the transfer of money and its derivatives is thousands of…

Kevin Cox

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