Has paid attention, that the greatest interest is caused by (with) hypothecary themes, accounts of payments under the mortgage... I shall try monthly to place on a site new similar themes. The reasons some are, but the description at once does not develop. If there is an interest to such themes, come through month - other. Something will appear new theme.
The BASIC PURPOSE: With the help of other important themes (Constant Rouble, Mortgage) to involve (attract) attention to to REFORM of TAX SYSTEM (RTS). Offered variant of a RTS relieves production from of the Parasitic Inflationary Taxes (PIT). PIT brake the accelerated growth of economy and standard of living. PIT eat essential parts of the capitals, enclosed in production: constant and turnaround. The businessmen compensate a PIT by decrease (reduction) of the salaries the hired workers. The state - decrease (reduction) of pensions. Disposals of a PIT need tax reform, the fixing of the cost price is exacter productions in the tax reporting in Constant Roubles (CR).
The basic accent (stress) is made on themes of Constant Rouble and Mortgage
Russia in conditions of high inflation the own stable financial gauge is extremely necessary. It can
become pure Russian a Conditional Unit of Account (CUA) - Constant Rouble (CR). Name of a CUA - CR
speaks about its constant buying power. Its rate is measured in roubles and is changed according to rates
of Inflation (Inf). If the prices for some period will increase in 2 times, also rate of a CR
will increase in 2 times (Some analogy to a rate of dollar).
It is obvious, that than the Interest Rates (IR) in a CR will be lower Rouble IRs. The contributions,
loans and monthly payments on them are fixed in a CR. Final payments in roubles at the rate CR at date of
payment. The CR is only CUA.
Thus CR can:
- To ensure real preservation and augmentation of the savings
- To make the credits and payments on them more accessible and less burdensome
Constant Rouble can be applied (CR):
- In statistics and planning
- In the Mortgage for decrease(reduction) of burden of payments under the credits at decrease (reduction)
with the help of a CR of the interest rates and increase of terms of crediting
- For preservation and real increase of a buying power of the savings
- With the greatest advantage (benefit) in tax sphere for disposal of the Parasitic Inflationary Taxes,
interfering to the accelerated growth of economy and standard of living
I hope, these and other themes will be interesting to You
Important theme. Without tax reform will not be essential growth economy and standard of living, neither new housing accommodation, nor decision of housing problem.
The Parasitic Inflationary Taxes (PIT) "eat" enclosed in production the capitals: constant and turnaround, salary and pension. This theme is more important than the mortgage, since from anything is received anything.
An Example of a PIT for a Working capital (WC)
- Inf - 0 %: the Prices, the Cost Price (CP) and rate of a CR do not vary. The businessman
Somebody on 100 Millions Roubles (mr) has acquired components. They were not necessary, and in one
year he has reseiled them till a CP for the same 100 mrs. Profit or Added Cost (AC) - 0. The taxes - 0.
Losses - PIT - 0. Is possible at necessities to acquire new components.
- Inf - 100 %:The Prices, CP and rate of a CR for one year are doubled. In the beginning of year 100
mCRs = 100 mrs. In one year 100 mCRs = 200 mrs. Somebody reseils furnishing on a new CP, since the prices were
doubled, for 200 mrs, receives imaginary inflationary profit (or imaginary inflationary AC) - 100 mrs, pay
the taxes (from the imaginary profit?!) - 50% - 50 mrs. He still has 150 mrs or 75 mCRs, on which it is
possible to acquire only 75% of components. Real losses - 25% real buying power of a WC. It also is a PIT for
a WC.
The indicated example of a PIT is equal half of ifference between a new real CP and old, indicated in tax
declarations. I.e. at a zero Inf of a PIT is not present in general, since. The CP does not vary. With growth
of a Inf the burden of a PIT grows also.
The Losses from a PIT somebody will transfer on the salary of the hired workers. If he will cover the business, the workers and their families, in general, will stay without a piece of bread.
From the indicated examples it is visible, that at a zero Inf of a PIT is not present in general. With growth of a Inf the burden of a PIT grows also.
Tax reform
The essence of tax reform - legislative fixing in the tax declaration of the Cost Price in a CR, that will
allow to get rid of a PIT and to make production favourable and fast growing. It:
- New jobs and decrease(reduction) of unemployment
- Essential growth of real wages and pensions
- Additional tax receipts at fast growing economy
- Decrease (reduction) of expenditures on public account on the unemployment benefits
- Etc.
The mortgage begins with comparison of variants. Here 4 comparative tables with percentage by the rates - 0; 1;... 18; 19 %/years and with terms of crediting 5, 10, 15, 20, 25, 27 and 30 years:
1 - Monthly Fixed Payments (MFP)
2 - Factors of Credit Status (FCS). With the help of a FCS it is possible to expect as the much as possible
allowable sums real estates
3 - Sum of a MFP for all term of crediting
4 - Sum of percents (interests) for all term of crediting
