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
Background And History Of This Project
Copyright, Disclaimer and Privacy

Natural Money Blog



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

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


Recent Blog Entries

The Law Of Diminishing Marginal Utility
Natural Money Versus Existing Economic Schools
Two Types Of Banks
Uncharted Territory
Full Reserve Banking And Chicago Plan
Permanent Liquidity
Coping With Negative Interest Rates
Financial Stability Hypothesis
A Tale Of Two Economic Forces
Negative Interest Rates And Cash
More blog entries...


About Natural Money

Negative interest rates are coming. This is a great opportunity. We can end poverty, make the economy sustainable, and reduce income inequality. Financial and economic crises can be gone forever. Natural Money can help to make that happen.

Natural Money has a maximum interest rate on money and loans of zero and a tax on central bank currency 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.

With Natural Money comes a new type of cash issued by the treasury backed by short-term loans to the government. Cash and digital money will be seperate currencies. Cash is not central bank currency any more so it doesn't carry a holding tax.

There may be no inflation and prices may go down so the value of digital money may rise and zero can be a positive return. For that reason it can be attractive to lend out money interest free or to put it in a bank account at slightly negative interest rates.