“In money we trust”

I think each person needs to own private assets  but it’s always a great surprise to see the major  place of money in our daily lives. How children could understand it ??  Several ideas to explain  them.

• When a State creates a banknote as a debt, this note will have a social and environmental  impact because it's necessary to reimburse the debt.  
• Nowadays the global money supply is far more important than our abilities and Earth resources to reimburse this debt.
• So, money supply available is disappearing and will continue to disappear in a near future. 
•  Without easy money, people are stressed because they don’t trust each other, first step to make innovative production and smart exchanges. 

If you are a child in 2012, don’t expect build your adult life to make money and become rich !!!  Your life won’t  turn around money and consumption, but around skills exchanges and an autonomy.

Building a « financial ecosystem »

Can we  connect the  financial world with the scheme of a biological ecosystem ???  I think so…

Finance is not Economy, but only a way to manage your assets on a long term. The main concept for a biological ecosystem is: “Sustainability”.  So,  our main basic assets should be : house, health,  food, water, education  and security. I don’t believe we need more. But, the financial sector is focused on a "dream wealth" without rules, not a true wealth for our well being.  Can the human being really imagine this amount ? : $ 16.000 billions, which is now the US federal debt. 

I believe the financial world should be more personal and designed for our security, not our consumption.

Toba Unit of Account : Terms of Use

“Living together” is the main basic concept for human societies. For decades, particularly in western countries, money and finance have been putting pressure for this idea to be forgotten. The Toba Unit of Account is designed to make knowledge exchange easier and gives innovative processes a good momentum. Unlimited credits is not a reasonable way to go because money is not an asset, or an item of wealth, like coal or wheat, it’s only a tool!!!

The equation below explains the process: 

Toba Unit of Account = (initial asset / hourly basis) * skills exchanges

You have a real asset: Use it to back a Toba unit of account and start a project with skilled partners. Once the sustainable project works well, following the concept of mitigative business, your asset is the initial wealth of a good economic momentum.

You have useful know how: Imagine what you can do for others, using the scheme of mitigative business.

 You need help from skilled people:  Explain your needs and expectations accurately. 

If I could travel back in time as a “goldsmith”, I think I could give “ad hoc” I.O.U (I owe you) only to manage the exchanges of goods and services in my area, or following a goal. We can’t create money only for consumption, but for actions in the real world.