DIY Job Creation 

3 Point Program

Exchanges are associations of cooperativists organized to combate debt and waste, primarily by eliminating Socialism.

  1. Exchanges eliminate debt and increase the value (equity) of planet earth. Exchanges prevent the introduction of Socialist practices onto individuals, businesses and communities. The first step towards debt elimination is to identify a specific equity pool to develop. This is also called a cooperative point the point at which a cooperative exchange can be developed.

  2. Communities have become pools of equity constrained by debt and subject to various forms of Social Costs. A community properly represent responsibility for a part of the planet as a specific equity pool.  Exchanges formalize Social Networks by cooperativizing the interactions of the members. Exchanges are based upon a unique local currency specific to the equity pool and based on the equity represented by the Social Network. The second step is referred to as capitalizing a social network. The second step creates a cooperatization point a common interest that serves as a focal point of the cooperativization process.

  3. Exchanges are an equity pool that exchanges goods and services within a cooperative context using a customized currency issued on the equity represented by the pool. This activity increases the equity value of earth and the solvency of the Exchange. The third step is the development of exchanges by means of members trading goods and services using the medium of exchange. The Third Step is actual cooperation based on the Cooperative Point.

Debt always represents risk. Risk is always associated with a threat to assets that is with the danger that one may lose owneship of ones assets. Threats to assets always has the form of a debt. A debt always contains obligations and a claim on ones assets.

Threat is the possibility that the ownership of an assets will transfer to some other party. Risk means there is a threat of loss associated with ones assets. To eliminate debt it must be paid off in the conventional way or equitized in an Exchange.

Cooperatives are able to eliminate debt without the need for interest payments or a decline in living standards nor economic upheaval.

If an Exchange does not exist in your community it is easy to start one. Exchanges are cooperatives that work to eliminate debt. Exchanges assist communities, businesses and individuals to eliminate all debt systematically and forever. Starting an Exchanges creates no risk because starting an Exchange creates no debt and in fact encompasses a system for the prevention of debt accumulation.

Lets imagine a client owes a conventional debt of $5000.00 to a bank. If she does not pay the loan she will lose the assets the bank has a lien on. However payment of the debt means the debtor loses the interest the debt represents. Regardless of what happens the client is going to see a lot of wealth transferred from him or her to the account of the bank that holds the debt without their being a corresponding benefit returned to the borrower.

Cooperative Debt Easement equitizes debt using the facilities of an Exchange. CDE provides two ways to deal with debt. Bill has $5000.00 to invest in the Exchange. Joe has $5000.00 debt. Both are members of Rational Exchange. Bill uses his capital to purchase $5000.00 worth of equity in the Exchange. He receives $5000.00 in shares. Bill has provided the Exchange with $5000.00 in cash and received $5000.00 of equity. The Exchange can use these funds to purchase the paper on Joe's debt.

Joe does not have a debt in the sense this is normally understood it is more accurate to say Joe has a debit position, there is no interest payable on the equity advanced, in fact Joe's future earnings is an asset that represents the equity held by Bill. 

Bill has a credit balance of r5000.00 in the Exchange representing the shares he purchased. Joe has a debit position of r5000.00 that backs the equity issued.

Joe has a debit account of r5000.00 in the Exchange, which he liquidates over time by performing services for others in the Exchange. Joe owes the Exchange not any member so all members actively seek opportunities in which Bill can liquidate his credits and Joe his debits. This creates opportunities for cooperation between members. Economic development is created naturally by means of cooperation. Exchanges operate without any social costs because all activity is based on cooperation between members.

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