the new way to make money 

Program Set Up

We as individuals and as communities are at risk from unemployment, bankruptcy, business failure, spikes in the price of oil and disruptions in the supply of food and other goods because of freedom that is the liberal conception of freedom that allows powerful institutions to push costs they create onto society and future generations. Instead of solving the problem of risk we buy insurance but insurance is a poor substitute for the security of a socially cohesive community. At best insurance allows us to recoup some of what is lost if the particular loss is covered and the insurance is not exposed to the same risk that produced the loss.

The following set of instructions are based on the three steps start a barter based business.

In determining which program or tactic to use the key is to identify or determine where a high degree of risk exists. This can differ from community to community and group to group but generally it is is where the highest amount of waste ocurrs, this is also where costs appear to exceed the observed benefit and the potential for loss of assets is high. The risk could be an outstanding loan. The waste is the interest payments required. Unemployment and poverty create pools of risk that should be dealt with. Unemployment is always a waste and poverty a cost no community ought to bear.

Private businesses always represent risk, both to the owner and to the community in which it operates. They usually represent considerable waste though this is sometimes difficult to measure or even identify.

The less adequately a business is capitalized the greater the risk it will fail. Transforming conventionally businesses into a barter based business is a simple way to eliminate risk associated with under-capitalization because all risk is brought in-house that is within the parameters of the Exchange.

A business is an assumed risk. Even if the business has no conventional debt running a business puts demands on the cash flow of the business and personal abilities of the owner that changing situations may overwhelm.

Conventional businesses must make a profit to survive and this often demands the full attention of the owner and a major source of risk.

People who go into business alone face greater risk of physical and mental exhaustion not to mention the risk of not having the skills or abilities required to do everything that needs to be done. It can in fact be taken for granted that no one is equipped to run a business single handedly. Accounting is usually one area in which sufficient skills are lacking unless one is an accountant.

Identification of risk is the first step. The second step requires the risk to be equitized or transformed into equity. This is the role performed by an Exchange. Employees represent a considerable risk to a business. By turning this risk into equity this risk dissapears.

If a business owes money this is a risk to the business and the businesses creditors. The business would be better off it did not have to repay the loan and the creditor benefits if the loan is paid in full without creating any additional costs to the creditor. This is all accomplished by equitizing the debt using an Exchange.

Exchanges serve as a clearing house for all transactions between buyers and sellers.



If a business belongs to a Socially Engineered Network the it is the Network that provides the business with what it needs. This is not a debt it is simply a sale covered by the equity in the Network created by the sale.

Even if the business owes a creditor who is not a member of Socially Engineered Network or Exchange the member may be provided with the means to pay off the creditor so as to reduce overall waste and debt. Or the creditor may decide to become a member of the Exchange and the debt be absorbed in the Exchange.

A family has no risk of loss because the members of a family do not incur debts with each other, gains and losses are collective not personal. Networking creates a kind of community family.

The third step is to liquidate the debt using the Exchange. Equitized debt is owed all Account Holders so all Account Holders are focused on liquidating debits. If the debit account is a business members find it beneficial to use the services of the business and if the debit balance belongs to an individual members assist this person to find work or additional work so the outstanding balance can be paid off in work performed.

Exchanges pay for all work done for and in an Exchange using equity. Exchanges do not permit nor benefit from unpaid volunteer work. People who do not earn cannot buy and so free labour simply increases the risk of business failure for an Exchange.


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