Are you: Thinking of moving house in the next ten years? Paying more than you can afford on your mortgage? Renting but would like to buy? Homeless and can’t afford a suitable place to live? Looking for a stable income stream for the rest of your life? Looking to invest…

Social learning is to ideas what natural selection is to genes. Both are ways of picking out good solutions from a sea of variety. Mark Pagel — Wired for Culture. With culturally appropriate capital allocation rules, Public Capital is the most productive way to invest. …

Humans have survived and prospered because they work together and support each other. They negotiate in small groups to look after assets and distribute the output within the group. Some are owners of assets, and some are consumers of the output. Unfortunately, in the current Capitalist system, the asset owners…

Profits from Equity Capital are shared between shareholders. Taxes share profits with the rest of the community. Bonuses share profits with employees, but there is nothing for the Consumers who paid for the profit. …

Human society evolved in small groups as we learned to exchange things to benefit both the giver and the receiver. The invention of money allowed the mental task of accounting for giving and receiving to be automated for many tasks and extended to strangers. The invention of Capital with the…

Consumer Capital is a method to set a fair price for a product without a competitive market. A reasonable price is one where the buyer and seller share the profit on the loaf of bread. …

Capital is a broad term that can describe anything that confers value or benefit to its owners, such as a factory and its machinery, intellectual property like patents, or the financial assets of a business or an individual. While money itself may be construed as Capital, it is more often…

According to the Australian Productivity Commission, productivity has reached a 60-year low. Wages have stagnated and gone backward. But exports are up, imports are down, house prices are high, and company profits are up. So why is productivity low, and what can we do to improve it? There are two…

When a business makes a profit, it creates Capital. The money to pay for the Capital comes from consumers, but consumers do not share in the Capital. All the profit goes to the owners who retain the Capital that created the profits. …