the plan for the future


A Short Introduction to Natural Money
Natural Money For Dummies
Economic Theory Of Natural Money
The End of Usury
Feasibility Of Interest-free Demurrage Currency
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Copyright And Disclaimer

Natural Money Blog



The Power of Microeconomics
The Power of Macroeconomics
Financial Markets
Economics of Money and Banking, Part One
Economics of Money and Banking, Part Two
Poor Because Of Money

History, society and religion
A Brief History of Humankind
Model Thinking
An Introduction to Legal and Political Philosophy
The Bible's Prehistory, Purpose and Political Future
Practising Tolerance: The Church and the Jews in Italy


About This Website

Negative interest rates are coming. We can end poverty, make the economy sustainable, enhance economic growth, and reduce income inequality. Financial and economic crises can be gone forever. Natural Money can make that happen. Natural Money is the money of the future.

Natural Money is interest-free money with a holding tax. This means that maximum interest rate on money and loans is zero and that there is a tax on cash ranging from 0.5% to 1% per month. If you lend out money, put it in a bank account, or invest it, you don't have to pay the tax.

There is no inflation and prices probably even go down so that the value of Natural Money will increase and zero is a positive return. And so it can be attractive to lend out money interest free or to put it in a bank account at slightly negative interest rates. This website explains how this idea will work out.


Research Topics

Natural Money is a design for the financial system. Designing differs from science. Science is about proving the relation between phenomena. Designing is different. It is using available knowledge to solve a problem in a design and then testing the design. Natural Money hasn't been used in the real world until now so the testing came down to posting ideas on the internet and let knowledgeable people find errors and deficiencies and fix them.