The wealth

[annagavr]

The system is so arranged that would take most people enough to encourage them to continue to work. Regardless of age and place of work ability to save 80%of people tends to zero. Trying to move from Arkansas to New York for the same storage position, but with a salary of 1.5 times above does not lead to the fact that people will be able to defer a third of wages in cash - all will be absorbed much more expensive lease , with higher prices for goods and services in New York compared to the Arkansas .

People experienced extortion by bureaucrats in the form of taxes and fees ? He will add insurers. That enough? Sheds loans. Banking sledgehammer easy test and remained surplus ? Stood the test of expensive medicine, real estate , was able to repay the loan for education and mastered cheap cars , with even food left? If formed surplus, then welcome to the industry of glamor and conspicuous consumption .

About 90 %of the population will never be neither rich enough nor free in the choice of the vector of its development and existence. What is meant by wealth and financial freedom ? This is such a volume of assets that will live with the rent or income from those assets without having to return to work , at the same time without losing quality of life.

High ability to save , distributed among all groups of the population carries the risk for the system , because at a certain level of wealth , some professions may be omitted because the very existence of most professions necessitates survival for workers rather than creative landmark. Thus the main motivating factor for most professions - is material incentive to work - just for the purpose of living.
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Would people do hard , uninteresting , tedious and unpromising work , if not monetary motivation ? Would they stand at a conveyor belt , turn the bolts around the clock to produce, pack up , ship , transport, and sell products , engage in construction in the dust and dirt in harsh environments with high responsibility and with considerable physical exertion ? Plus the thousands of jobs that can not be called " motivating " and interesting. Permanent lack of money - it is a powerful mechanism of coercion .

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How to be cruel as it sounds, but is any country in the world with any political and economic structure does not change the distribution of wealth and there is always a conditional division into " slaves " and "host ", where the greatest wealth is concentrated almost always have negligible group humans. With the passage of time and in different countries varies only a proportion while maintaining the basic concept .

There used to be slaves on the plantations , where motivating incentive to work is the fear of causing physical pain , but then they did not have the freedom of choice of occupation , and providing them with life doing slaveholders . Although much has changed and now openly slaves are not used in any civilized country in the world , but are not fundamentally changed.

Now people support themselves , but in fact it turns out that just enough to keep working. Simply put , the money more than half the world's population is only enough for somewhere to stay, eat and get to work . Everything is more on what is missing! People live to work , not work to live .
In fact, the difference comes down to the fact that now people take care of themselves , whereas before this was done by slave owners , and freedom of choice often comes down to a change of the owner - the company. Overall quality of life improves, standards increase , the concentration of wealth per capita is increasing worldwide each year , life expectancy is much higher , even in underdeveloped countries than a few decades ago.

Anyone who 30 years ago could be classified as "middle class" is now considered " low-income or poor." 200 years ago, 80%of the world's population is chronically malnourished and had limited access to clean drinking water, now there are about 5%, only 100 years ago, the most basic medical care was not available for 70-90 %of the population , now even the homeless can count on first aid. 30-40 years ago, the most common and familiar products like washing machine, refrigerator, TV set were luxuries for most of humanity. Now almost no one left who do not have , if we take the first 50 countries by GDP .

But universal happiness and wealth and remains a utopia . Forced labor varies across time and countries. 1.5-2 a century ago in the world practiced slavery and violence, half a century ago, the threat of execution or arrest for parasitism in most socialist countries , the promotion of labor " who do not work - you do not eat ," the cult of labor , all these images of " Stakhanovite " and so on . In a capitalist economy otherwise. Technically, no one is forcing , but the system is so arranged that forces .

Now one of the most effective means of coercion - is a credit needle because people with credit usually works with higher returns , it is more socialized because aware of the consequences of loss of income . An employee with a substantial loan more pliable , ready to free processing has increased loyalty to superiors and even willing to drop salary , just to keep a job . In this respect, one of the causes of increased productivity growth in most countries with high debt burden is the presence of the debt itself , which motivates to work. People without credit, the better off people - is worthless employee , he is too lazy .

In order to improve the efficiency of the system keeps a large part of humanity to " dry rations ", with a permanent lack of funds , and credit expansion gave rise to an additional motivation.

Wealth of the population is excluded . Division into rich and poor, unfortunately, always will be, because under the most severe low-skilled work excess cache is almost 100%of cases lead to the abandonment of the work.

Which professions monetary motivation is not dominant ? In the creative specialization, as a rule.
Artists, writers , musicians, artists , architects , sculptures, designers, critics , philosophers, economists in some way .

But even in such as physicists, chemists , biologists , programmers, where people are not only interested in the money , and the scientific process of creating something new , search for solutions , research and development.

Therefore , the chief engineer for a large company with a salary of half a million dollars will not quit his job , even if saved enough money to not work the rest of your life. But if somehow the chief cashier or builder has received half a million dollars, then the next day you will not see it , and he probably never will work , as long as the money will not drain .

From a business perspective differentiation in income is determined by labor supply , the value of the employee, the difficulty in replacing it. In the world there are 30 people on the strength of having extremely high knowledge of architecture of modern processors and thus menedzhmentsky talent and administrative abilities to lead the development of the new processor Intel, but 30 really only 5 people can apply for this position and it is the whole world. Thus, multi-million dollar salary is explained by an exceptional shortage of suitable personnel with emergency responsibilities in choosing the direction of development, on which depends the fate of companies. Here not only need tens of thousands of hours of training on this level , but certain talents . But packer boxes processors is unlikely to get more than 20 thousand dollars a year clean , because for training will take a few hours to this work and potentially ready to anyone who has a hand , even education is not necessary.

There is an assumption that there is an intrinsic natural self-regulation, the essence of which is that as the savings lost motivation to work, and if the person drops out of the circuit , while maintaining economic demand , then a shortage of supply of goods and services , that sooner or later leveled through the devaluation of savings or income withdrawal through taxes, levies imposed services or lower interest rates to bring down the rental income . After all, if all fall out of the reproductive mechanism , then the economy will just disappear , there will be no goods or services.

So low and srednekvalifitsirovannye specialty have almost zero ability to save. Even if people have managed to accumulate zhirok , then life course trajectories will mass events where devastate savings . For example , the cost of the wedding and then the birth and upbringing of the child. If you are able to accumulate savings again , then later spending on education and development of the child as he matures . If the child has grown up , by this time many have required medical care due to aging , and that regular consumption . In addition to operating expenses on the life is extraordinary weight in the case of an accident , breakdown or the need to replace expensive equipment , home renovation , buying a car due to wear old .

But even highly paid employees can accumulate only when the cache if they live significantly below their capacity . For example, to get to 120 thousand a year clean, but live in klopovnike , eat in the tavern , ride a rattletrap , dressed in rags . But usually as income rises proportionally increasing consumption because new opportunities . Go not to wreck , and buy a decent car , do not feed into McDuck , and better places to live in normal houses and dress well , plus many additional products and services that were not available at low incomes.

Usually people try to live better than their opportunities because of what comes out, that is permanently located in a family budget deficit - a constant shortage of funds, lack of significant savings. But , by the way , this factor induces not only to work but also to the development . The desire to live better opportunities in its core is a catalyst for the development and progress of society , respectively . This is the key difference from the modern slavery direct format , because having the option is a more flexible labor reallocation with greater returns to work based on time spent.

Forced labor in conditions of violence nizkoeffektiven but formally forced labor in freedom of choice is much more efficient , which proves that human progress over the past half century. Needless forced labor will not go away , because in the absence of coercion and motivation will not and the economy, but the freedom of choice and flexibility no doubt play a positive role in society , giving the course development.

Total wealth will increase as the concentration of goods and services per capita , the technological progress with improving the quality of goods and services . But , nevertheless , this will never happen to the system allowed people to refuse to work after a certain accumulation of capital. Apparently, as it was 1000 years ago , and remains indefinitely until there is humanity , that up to 80 %of all assets are concentrated in 10%of the population.

By the way, given that the majority of low-skilled work are replaced by machines, the machines , the consistently high level of unemployment may become permanent , because 70-80 %of people do not have the creative direction and do not have enough desire and /or ability to become highly qualified . So as soon as they drop out of the workforce , then immediately precipitated and climb out of the quagmire becomes almost impossible that will increase social tension . In this aspect of differentiation in income can only increase . After all, experts are always needed , and they are much less than the " troechnikov " but what if automation economy goes too far ? Not yet in conditions of freedom tend to develop.

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