The 3 Revenue Streams of One Union and Why it Matters to You
In this post, President and Founder of The One Union, explains the three revenue streams that will support The One Union.
- Member Dues – $1 a month!
- The Human Fund – A Mutual Fund for our Members
- The SPIN Model – A Wealth Generating Plan for Communities to Restore Prosperity
The number one question people ask us is; why did we form a Corporation? The short answer is that we asked ourselves what was the major impediment to ending chronic wage stagnation? What we came away with is the number one reason is our inability to affect profits. In other words, if I am a CEO and my profits go up by 50% a year why, despite a sense of morality, why would I consider doing anything differently. These folks can hear the drumbeat of growing dissatisfaction amongst workers but so what, it hasn’t affected profits.
The hard truth is they won’t concede a dime until their profits are affected. Now, let’s look at this from a business to business scenario. Large conglomerate food companies perfected the art of packaging and dominating the products for sale at grocery stores. With a lack of competition, they naturally gravitated to what produced the best margins and sold the most. The result was cheap, processed food that wasn’t very good for us but produced enormous profits. Many people tried to change this through education, public service announcements, government regulation but their efforts had zero effect on Corporate behavior.
These giant conglomerates changed very little over the years because there was no need to. But then people started questioning the sanity of consuming the cheap, processed foods churned out by the food corporations. Start-ups sprang up offering better quality, non-processed foods.
Annie’s Mac and Cheese
So Annies came out with a healthier mac&cheese to compete with the cheap processed mac&cheese. General Mills purchases Annies for 820 million dollars because they are now forced to compete in a healthier product or lose more margin.
Much of the same tactics that failed to change the food industry are still being used to fight inequality. Unions, activists, and economists have been trying to combat wage stagnation for 30 years now with little effect. Yet Annie’s forced a change in the Mac&Cheese world precisely because Annie could affect profits.
The goal for the 99% should be to create the largest Corporation possible that works for us. The larger this Corporation the more it can affect profit and set the bar on acceptable business practices.
One Union was built to tap into three revenue streams.
- Dues of a dollar a month from a hundred million people will make One Union a billion-dollar company.
- 10% of our members’ raises/profits are invested in stocks and mutual funds. One Union is building the “Human fund,” a broad-based mutual fund directed at investing in Companies that share our beliefs. We imagine that people just receiving a significant raise (dollars not cents) with help from One Union will most likely want to invest in the companies mutual fund too. The investment of small amounts by millions of people quickly adds up to one of the largest managed funds in the world.
- The Introduction of S.P.I.N. Sustainability thru Profit from Ingenuity and New growth. We introduce the SPIN model in more depth below.
One Union’s S.P.I.N. Model
S.P.I.N. follows the basic precept of cooperation that the One Percent have perfected. Basically, the faster money spins in a community, the more wealth is created locally. This great largess that has been bestowed upon the one percent has been squandered, holed up in banks with very few dollars reaching the communities where it may produce a benefit for others.
One Union, with the help of the One Percent, applies SPIN in towns and cities across the country in the form of economic zones where money is released into the community and systems are applied to get the maximum amount of spin, or wealth creation. Simultaneously with the release of money through grants, loans, and the like One Union provides the framework for the best deployment of the current cash and the newly inserted money. (Plant the best garden.) This application ensures the money spins in the most efficient and fastest way possible thereby creating the most wealth attainable.
How Does SPIN Work?
One Union brings a multifaceted approach to the community’s new economy based on proven algorithms and systems.
- All revenue-producing transactions for goods and services have an added community surcharge.
- Participating members of the community are given the template of categories of business and encouraged to purchase from these groups designed to produce maximum spin of money in the community.
- Each month the revenue generated by the surcharge is redistributed back to the participating members in the form of a check. This reinforces the buy local idea as people receive a direct benefit for participating in the local economy.
- Non-participatory members of the community still pay the surcharge but do not receive a share of the monthly redistribution.
- All money spent from people outside of the community, tourists, visitors, etc. is also added to the monthly community total.
The Second Prong of SPIN
The Super-Rich Will Fund the Rebirth of the American Town
- The town is supplied a business developer to help start-ups, with a preference to businesses that are complementary and produce maximum spin. (Like the community garden.) An additional person is charged with overseeing the grant money with preference to those non-tangibles that add to the town’s livability. Culture, arts, music, etc.
- Significant cash resources are made available in the form of low-interest loans. These loans will be used to help start all manner of businesses that will be beneficial to the SPIN model. Introducing more revenue and profits into the community which adds to the monthly benefit each member receives. This will bring talented people to the community as well as giving talented people in the community the resources to add to the local economy. As Loans are repaid, the money pays forward to fund the transformation of the next city.
- Grants are made available for other things a community needs that are not based simply on a profit or loss model of a business. Art, music, craft, etc. are all leading indicators of an area that is changing into a better place to live which attracts more talented people along with raising the value of the local businesses, real estate, etc.
- At the start, all members receive a check for $500 dollars. This is the primer to get the pump going, provided by the return of monies from the participating one percent. The only requirement is that the money is spent locally. Example: A City of 10,000 people receive $500 each in startup money. In total, this is an instant five-million-dollar injection into the local economy. This gets the algorithm spinning cash in an upward flow to increase prosperity. *Fun fact: To give 300 million Americans (the bottom 90%) $500 dollars would equal 150 billion dollars in One Percent infusion. That is enough to kick-start the algorithm in every town and city in America and could be covered by one billionaire. So yes, there are enough willing billionaires to make this happen easily.
The Third Prong of the SPIN Model: Every Business Participates
- All businesses are required to pay a community tax and cover the true cost of their employees. No more taking all and passing on the burden to the community.
- All business mining natural resources are required to pay the community tax and a transition tax for when the resources are exhausted and the company leaves town.
Each of these taxes is added to the community surcharge and distributed back to the participating town’s people each month to create more spin. *Note: Notice how all funds are recirculated back to the people and not into the local government. This provides maximum spin as the money is paid, rebated, and spent again by the people of the community in the manner that THEY see fit. If we sent this money to the local Government, it would immediately slow the spin and be applied unevenly to what a few people decide it should be spent and not where the people want it spent.
The book, Gardens of Democracy, calls this form of Government the: Big what—Little how. I like that. It means the government, us, came up with the big what; applying a community garden model using science and common sense to produce a healthy prosperous community engineered for the long haul. As individuals, this is something we couldn’t do. Small how; once the government helps institute the big what, it gets out of the way of the actual doing of it, something Governments don’t do so well. The people take over the small how, in their individual choices, initiative, and the like in this new, healthier, environment.
Ancillary Benefits of the Model
- More wealth creation will infuse the local governments with tax funds to repair roads, utilities, etc. thus adding to the livability of the city which attracts more talented people and tourism.
- The positive swing of new job creation, a monthly distribution of the expanding economy to all residents, improved systems, etc. will create a self-sustaining momentum of positive outcomes.
- Expanding the economy under these new set of parameters will keep more of the money local as it spins faster and faster creating more wealth. This strengthens the town and makes it more resistant to the global markets of which they have no control.
- Extra revenue from people outside the community will spur local interest in creating more reasons for outsiders to come, spurring tourism, business, hotels, restaurants, shops, and more.
Let’s go to a real town to see how the SPIN model would work.
Anytown, Upper Peninsula Michigan
For this example, we will use the town my wife grew up in Upper Michigan. This once bustling, prosperous town has been on hard times since the mines left decades ago. It is the typical story of so many of our towns across America. After the good jobs left people made do with tourism, bars, and restaurants as economic generators along with a few small companies and service businesses and, of course, the giant sucking machines from Mega-Corp.
Many of these jobs offered low pay, few benefits, making it hard for these tough residents to survive. Most of the young people left for the cities year after a year reducing the tax rolls as the infrastructure crumbled and fell apart. Misery loves company so drugs became prevalent and things just kept getting worse. You can buy a house for 30k, one of the few upsides, but no one is moving there to buy them.
So the majority of the town decides to try this new community paradigm as an alternative to the current one that has ravaged their local economies and taken most of their resources out of the community by converting the resource to cash and moving it out and into the hands of the few.
$500 to Spend in the Community
On day one people received a check of $500 dollars to spend locally which they did. The business developer advertises all the jobs and services that would be complementary and create maximum SPIN. The probability of success skyrocketed since all these businesses were handpicked for their likelihood of survival based on the overall business model of the community.
Those young folks that left for better opportunities started returning along with other talented people. All lining up to take the low-interest loans and start new businesses that added new jobs and paid the true cost of employees. With the big box stores and the mining operations now covering the cost of their employees as well, the town’s budget could be used for the things it was supposed to be used for, like infrastructure, parks, utilities, etc.
Once a month these folks would open the rebate checks and be reminded of the community they were a part of. This put smiles on people’s faces and started nonmathematical equations of positivity, belief, excitement, and hope. This gave them confidence resulting in a new expected reality, where the old way wasn’t good enough anymore and a new expectation is desired and achieved. The free market system is restored to its original premise and people are free to pursue what makes them happy.
From a monetary view, the result for ravaged towns such as this one is a doubling of the local economy under a new sustainable paradigm of prosperity for all.
One Percent Surcharge Funds Growth
One Union charges a one percent surcharge on all goods and services for deploying the assets and implementing the SPIN model. Now the business revenue part of One Union comes into clear view. One Union receives a dollar a month from almost everyone. It is paid to manage the largest mutual fund in the world, the human fund. And it receives one percent of the GDP everywhere it employs the SPIN model.
And who benefits from all this revenue. You, all of us. One Union creates an annual dividend for all of us and we fuel this dividend by cooperating and prospering. One more important point about this revenue model. This multi-streamed revenue platform is designed to create a thick rope of wealth. The largest concentration of wealth concentrated amongst us all. So, in this way the rope becomes a whip as when we sit down at whatever table it may be, we are the largest shareholder and hold the most sway.
The best news of all is that the 1% One Union will charge will actually be less than the current system in which we pay a surcharge to the rent seekers on nearly everything we purchase.
Rent–seeking is an individual’s or entity’s use of company, organizational or individual resources to obtain economic gain without reciprocating any benefits to society. Wikipedia
Rent seekers charge us interest on nearly every transaction made. This is the subtraction of wealth from all to be accumulated by the very few. It does not expand the economy. This form of taxation slowly erodes the economy. A luxury tax for the super-rich, if you will. The total average tax by rent seekers is approximately 5%. This is done in several ways.
- The interest the average person pays on credit card debt monthly is 16%! 38% of Americans carry an average monthly credit card debt of $16,000 dollars. This luxury tax for the .01 percent is $900 per year in interest.
- ATM fees. Typically, 1-2% to take your money out.
- Loans of all kinds. From the 20% shark loans on down.
- Credit card processors: Typically, the cost is charged to the business, but that cost is added to your purchase. 2-2.5%.
- Central processing companies: A handful of Companies/rent seekers that take 1% of what the card processors charge.
By the time One Union begins installing the SPIN model for wealth creation we have already successfully struck a better bargain with the rent seekers, credit card processors, and the credit card companies. The total “tax” savings is estimated at 2 percent across the board. So, this One percent charged by One Union to implement and run SPIN is, net-net, a one percent rebate on the old system. We are ahead of the game again!
We employ the proven methods of S.P.I.N. to keep the wealth created locally in the community versus being funneled out to create an extraordinary wealth of the few at the expense of the many. The model creates a more stable local economy that is more insulated from the swings of the broader national and international economies, which are completely controlled by the few, whose interests do not align with ours. As more wealth is created all boats rise instead of just a few. As communities adopt this new economy and prove its value, more communities come aboard. The one percent’s model of cooperation is now adopted leaving them with no choice but to join or make nothing, as the rest of us move on to a higher expected reality.
The conclusion to the SPIN model is this: Once we get a few cities on board and people see the results, cities across the country will be clamoring for the S.P.I.N. model. This will bring all kinds of formerly disparate groups together under one common goal. And now we start realizing the real power of the mathematics behind One Union. We use numbers to determine where we will win and take action. Our members invest 10% of their raises and their money follows their new agreements ensuring dividends. We use the mathematical model of SPIN to reengineer economies so wealth is retained locally. With the help of the rich and the application of SPIN, economic growth will be seen in every town it is applied in much the same way as the boom-towns of lore.
We package One Union and S.P.I.N. together and call it, Prosperity in a Box, and make it as easy to get as anything else you could order online.
If this sounds better then the current reality of working your ass off to pile up the annual bounty of gold for the few then join One Union and take this stand with all of us.