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The background of this article is shown at the foot.
It was originally written in 2012. But it is still valid now

and will still be valid a thousand years from now.
The figures produced in the tables are correct and are easily checked.
Differences from rounding to a different number of decimal places are not significant.
  
THE TAX TRAP
How to Ultimately Put a Rocket Under Any Economy

. ...... which also means: how to put a rocket under the NDP (National Development Plan)
This also exposes the real hidden cause of the Global Recession !


" Not knowing is the only real source of powerlessness;
what we do not understand we cannot control "


Originator unknown . . . readers please advise
www.allanmunger.org/ahmracism.html




4.701  There are three simple things, which, IF made very widely known and well understood, would permit, even cause, attitudes to change, thus furthering the development of a sensible economy.  Indeed, every person, female, male, literate or illiterate, adult and school kid, should know this.

4.702   It opens the way for the NDP AND it augers a great many other problems being removed AND it causes the urgency of other rectifications to be appreciated.

4.703   The first of thing to teach dispels the nonsensical, widespread belief that the Government has plenty of money and that it can easily get more because businesses, companies, free enterprise, in other words the Productive Sector (often referred to inaccurately as the private sector - it needs be understood that it is the Productive Sector which provides us with our food and everything else that we need & it is the Productive Sector that earns the foreign currency that is needed to pay for all the things which have to be imported. The Productive Sector is like a Father. The government, politicians, bureaucracy and civil services are, collectively, the Mother of the Nation) makes huge profits and has lots of money.    ALL poor people and many, many educated people, even many academics, of ALL races are under this impression.  It would be eye opening to see the results of a nationwide, properly representational survey of what people THINK the average profit as a percentage of nett assets, big companies, quoted on the Stock Exchange, make annually; and what do the average smaller businesses make.  You are going to hear figures like minimum 40% and even sometimes, 200%, 300%, 500% even 2000%, 3000% and from the less educated or those who say they don't know, in answer to the question "do you think they make an enormous amount, a lot, or do you think they make little and are actually poor ?.....and the smaller businesses ? "   you will hear repeatedly that they all have lots & lots of money.   By and large people tend think that business is a cash cow with a huge bottomless supply of spending money to give away or throw away.

4.704   Business Times published on Nov 18 2012 a table of the TOP 100 Mining & Industrial Companies and with it their profit as a percentage of nett asset value (total assets minus liabilities and minus intangible assets, goodwill etc).  Excluding Kumba, which then produced some freak results following unusual circumstances, the other 99 top firms, made an average after tax profit of only 8%.  Now that is the top ninety nine. This is a simple ordinary arithmetic average (which actually gives a figure that is far too high, but rather than the far more telling harmonic or geometric means, we have here to use something simple that anybody can check because most people simply cannot believe it.)   With the top 99 companies averaging only 8% we can expect the average of the poorer performing balance of about 600 listed businesses to be in the region of 4% or 5%.  (Exact , precise figures are needed !)  

4.705   Which makes one wonder why they bother.  They too are wondering that and the answer is that they do not know what else to do.  It does not take much to persuade business owners, in such a position, to pull out.    It does not take much to persuade such companies to close down, retrench or cut their losses and sell out at a loss.  Smaller businesses are in an even worse position.

4.706  Here are some amazing, astonishing figures.  Nobody can believe them.  This writer also could not believe them. It took a lot of checking and rechecking and calculating in other ways before arriving at the point where the truth had to be recognised.  That was 35 years ago and the writer has been chewing it over ever since, being prevented from writing it sooner.

4.707  Assume that in a tax free environment someone in the Productive Sector starts a business with a Capital of 100 000 (£,€,$,¥ or R it does not matter what currency you use - here we use the Rand) and works at that business for 40 years, each year ploughing the nett profit (after paying all expenses and drawing only a modest amount to live on)  back into the business so increasing the capital; and every year makes a nett profit of 40% of the capital employed. 
How much will have been accumulated at the end of 40 years ?

Table # 1 NO TAX

Tax Free Environment
Start Capital R100 000
Trades for 40 Years
Nett profit 40%
of capital
each year
Capital at
 beginning
of year
Nett Profit
@ 40% of
Capital
       Capital at     
    year end
First Year R 100 000 R 40 000         R 140 000
Second Year 140 000 56 000 196 000
...and so on until end of the period.
Fortieth Year   50 002 692 611   20 001 077 044 70 003 769 656

4.708   Hows that ! Seventy Thousand Million Rand ! SEVENTY THOUSAND MILLION RAND. (Of course that is invested value, not spending money, in fact it's not money at all. All owners would have would just be a record on paper attesting to the fact that they are the owners of that asset, which would consist of stock, fixtures and fittings, vehicles, whatever and only a very very tiny amount of money for the daily transactions.)

4.709  Now along comes Tax Man (South African Revenue Services - S.A.R.S.) and this member of the Productive Sector now has to pay 40% tax.   But someone says "the company tax rate is only 28%".  You wish !  That is a fairy tale.  28% is only the nominal rate of tax.  In addition to that companies pay a lot of other taxes, like:- UIF, SDL, Site Tax, Annual Licenses, Duties, Levies, Labour Dept Levy, Provincial and Municipal Taxes, Rates & Taxes, more Licenses and now also this new very irresponsible, downright criminally incompetent, stupid E-Tolling (which does incredible harm to the economy and is costing the ruling party more votes than they can afford to lose); and don't forget about Mining Royalties, Capital gains Tax and now a Dividend Tax & etcetera etcetera.  Some who have tried to calculate the total tax say that it varies from company to company but is anything between about 35% and 46%.  So here we are using 40% which simplifies the calculation.

4.710  "And", someone asks "is the Profit Rate of 40% not too high ?"  Yes it is way too high. . . given the current state of the economy, though in theory it should not be too high, but right now it is.  The most commonly occurring (before tax) profit of big companies listed on the Stock Exchange is somewhere below 8% (see 4.704 above). That's all. Smaller unlisted companies usually do worse.  40% Profit has been used here because it magnifies the resulting change which takes place so we can better see what is happening.  Further on you will find the exact figures for a 25% profit (of opening capital. . .which translates to only 21.7% of nett assets at end of year - which is still far too high, but it is what companies should and would be making in a sensibly run economy).   At present very few of the better companies listed on the exchange sometimes, if ever, make a 21.7% nett profit.

4.711   "But the period of 40 years: why so long?"  Because the implementation of tax causes a change to commence. It initiates a process which goes on changing the figures for many years.  We cannot see what is really happening unless we look at the effects over a reasonable lengthly period.  40 years is a reasonable and convenient number.

4.712   Here is what that tax does to the results:-

Table # 2  -  40% TAX

40% Tax
Start Capital
R100 000
 Trades 40 Years
Nett profit 40%
of capital
beginning year
     Capital at 
   beginning
 of year
 Nett Profit
@ 40% of
 Capital
    Less Tax 
@40%
of Profit
 Sum of
  Total Tax
Paid
  over
   period 
 Capital at
year end
First Year R 100 000 R 40 000  R 16 000 R 16 000 R 124 000
Second Year R 124 000 49 600  19 840 35 840 153 760
..and so on until end of the period.
    Fortieth Year   439 992 953    175 997 181  70 398 872    363 660 841     545 591 262

4.713  Do you see what has happened ?   Tax man collected 363 million+;  But the accumulated capital at the end of the period is now only R 545 million, which is down from R 70 003 million !   That is a drop of more than 99%

The difference between the two is R 69 458 178 394.   That means that every R1 that the bureaucracy received did actually cost that Producer R 190.99 over the period.

4.714  BUT, says someone, all the money collected by the tax man goes back into the economy ! NO it does not - at least not straight away and some of it never does, at least not this economy.  None of the monies collected go immediately straight back into the economy. It all sits around, some of it for a long time, before it is actually spent.  A lot of it goes overseas to service national debt, which we should not have but do.  A very substantial portion goes overseas for the purchase of equipment and services and expertise - like the e-toll equipment. Only some of it is used in the local economy.  A substantial portion is poured down the drain to fund loss producing enterprises like South African Airways and ESCOM.  A substantial portion is used to fund major projects, in which case it sits unemployed for months or years before the draw down. Some of it 'shrinks', in other words it disappears by way of corruption, extravagances, wastages, theft and home improvements. A large portion goes to pay staff, which means it is spent on consumables, which means it goes into the bottom end of the economy and will take some time for some of it to trickle through to fund the economic infrastructure. No doubt some of it somehow finds a way of joining the R300 billion which illegally leaves South Africa each year. So it is not a valid argument to say that tax money goes back into the economy because only some of it, eventually, finds its way back into the economy.

Now surprises don't end here !                   


4.715  Everyone thinks and this writer did too, until he checked the figures, that if the Government doubles the taxes then they will collect double the money every year from then on;  and everyone thinks, as so too this writer, that if the Bureaucracy reduces taxes to half, then they get only half the amount evermore. Right?  NO !  WRONG !   Be prepared for a shock !  Here are the actual real figures.

Table # 3 - 20% TAX

20% Tax
Start Capital
R100 000
  Trades 40 Years
Nett profit 40%
of capital
each year
Capital at
beginning
of year
Nett Profit
 @40%
of Capital
 Less Tax
@20%
of profit
Sum of
Total Tax
Paid
over
period
 Capital at
year end
First Year R 100 000 R 40 000 R 8 000 R 8 000 R 132 000
Second Year
132 000 52 800 10 560 18 560 174 240
..and so on until end of the period.
 Fortieth Year 5 039452 046  2 015 780818    70 398 872   1 662 994 175    6 652 076 701

4.716  Surprised !  If they cut tax in half they get nearly (4.57) five times more tax money over the period.  R 1 662 994 175 compared with the R  363 660 841 on the previous table.    R1 663 million compared with only 363 million.

4.717    And the cost to the tax payer of every R1 tax paid drops to R41,70  over the total period
[ (R70 003 769 656 - 6 652 076 701) ÷ 1 662 994 175  = R41,70]

4.718  The reason for this phenomenon is that lower tax permits the operating capital to build up much faster, thus allowing expansion and also allows the business to receive the advantages of scale, altogether producing much more profit, so that after a while, though the tax is a smaller portion of the profits, it is coming off a very much larger profit base with the result that as time goes the revenue produced increases steeply.  That is why it has to be calculated over a long period, so that the process of change is given a chance to take effect so that we can then see what happens.

4.719  Conversely, if (on the above example) the total tax rate was only 20% and they raised it to 40% then the Government would lose 78% of their revenue over the period. ! ! !

The figures are above, check them.                         
 
4.720    Increasing taxes is chopping down the Productive Sector to use it for firewood. 

4.721   It is important to note that this is actually the underlying reason for the global recession.  True, what triggered the bubble to burst was the realization by overseas financial institutions that they were holding investment paper that was really worth only a fraction of what it had been cracked up to be; which had come about by some institutions and dealers circumventing, bending and even breaking the rules developed in the aftermath of the 1929 depression to prevent that happening; but had the world's economies been truly healthy, they would have recovered very quickly. The reason they could not, indeed the underlying reason for the recession was that all the world's politico-bureaucracies had been piling on more and more taxes, to make up for the drop in revenue caused by their having previously raised taxes; and every subsequent rise in taxes, made and will always make, the situation worse. Globally, they were never mindful of the long term effect, which is to reduce the capitalization of the productive sector.  So there was no fat to cushion the blow.  This resulted in banks and many businesses not being able to absorb the shock and having to close down.  This was indeed the underlying reason for the global recession.

4.722   Now this chopping down of the productive sector is not just a South African problem, but is world wide. It afflicts all the other countries unfortunately.  Had it been only us, then we would have woken up much sooner, but because the whole world has been making the same mistake people tend to think it must be that way.  It is the old story:  People tend to accept something because hundreds of millions of others do. But when hundreds of millions of people believe something false,   then... ..it.. ..is.. ..obviously.. ...still false.   Hundreds of millions of people very often do believe something false.  History books are crammed with examples.  The fact that a great many people all believe or accept something is no reason to also believe it, but it is actually a good reason to be very skeptical of it.   [The deeper lesson to be learned here is that individuals must encouraged to think for themselves.  Here we are very fortunate, for this is something our black African people will quickly pick up, because they have not been over educated to the point where they stand so much in awe of the 'experts' that they have completely stopped thinking for themselves.   They still do spot the incongruities and quite rightly ask those simple stupid questions which need to be asked and which the 'experts' often cannot answer.]

4.723    Now a cynic might say:-
4.723a  It is the manner of bureaucracy, which is to say government, all governments, to take money from the nation which employs them, by stealing upon the nation and by stealth devising 40 different ways of taking, taxing, money from the nation.  Stealth: because the method is to devise ways which will hardly be noticed, thus to have fewer objections, fewer political repercussions; and to steal amounts which are not too large and which can somehow be "justified".   This is seldom done for the benefit of the many, seldom done to serve the nation which employs them and of whom they are in fact the paid servants, but it is done mainly to finance their wastefulness, extravagances, greed, incompetence (and sometimes dishonesty), eternal bureaucratic empire building and their almost religious self deception that the nation can easily afford it;.. ..and so, in effect,  they rob the nation.  This is not a South African problem, it is a GLOBAL PROBLEM !

4.723b   But the fault is not really with them, the civil servants of the politico-bureaucracy,  for they are just human beings and they do what pays them.    If THAT is the system they are given,  then they,  the empire builders of the bureaucracy, will play the system as hard as they can.

4.723c  The fault is with them having been given the wrong incentives and their not having been given the proper attention and guidance to get them all moving in the right direction; and also government accounting and control systems which permit them to exceed their budgets which they always insist cannot be avoided (but they WOULD NOT exceed them if, just to illustrate, they knew they would be shot for doing so) and to waste budgets in order to "justify" getting bigger budgets. All bureaucracies do this.    Unfortunately.   The situation is less than ideal; and is difficult to remedy.   No help can be expected from politicians. On top of it, politicians appoint people who are often not properly competent as reward for their help and they in turn tend to employ those of their own persuasion, whom they favour and who may not be fully competent and are sometimes downright incompetent.  As they say, when the fish goes rotten, it first stinks from the head.


4.723d  In fact all governments ought, by cast iron limitation, to be very strictly prevented from allowing such a situation.  Unfortunately very few political parties will ever support that, because most politicians perceive politics as being the short road to their own success and glory; and the jackpot prize for every party is the possibility of winning control of the government so that they themselves can then be the ones to enjoy the fruits of the Productive Sector.
So a cynic might say.    And this writer agrees.

4.724   The problem looks impossible. FORTUNATELY SOLUTIONS DO EXISTOne of them is given here.

4.725   In Paragraph 4.710 it was promised that lower profit figures would be shown. These follow.   The profit has been taken at 25% BEFORE TAX, which, after the realistic 40% tax, yields an after tax profit of only 21.7% of nett asset value.     First, in order to compare apples with apples, the "NO tax" calculations over 40 years have also been made for a 25% profit.
.
Table # 4  -   NO Tax  - 40 years - 25% profit

Tax Free
Environment
Start Capital
R100 000
        Trades for 40 Yrs    
Nett profit 25%
of capital
each year
Capital at
beginning
of year

Nett Profit
@ 25%
of Capital

 Capital at
year end
First Year R 100 000 R 25 000 R 125 000
Second Year  125 000 31 250 156 250
..and so on until end of the period.
Fortieth Year   601 853 107 150 463 276       R 752 316 383

Starts with R100 thousand and ends up with R752 million !


4.726
Table # 5  -  40% TAX - 40 years - 25% profit

40% Tax
Start Capital
R100 000
Trades for 40 yrs
Nett profit 25%
of capital
each year.
Capital at
beginning
of year
Nett Profit
@ 25% of
Capital
Less Tax
@40%
of profit
Sum of
Total
Tax Paid
over
period
 Capital at
year end
First Year
       R 100 000       R 25 000     R 10 000       R 10 000       R 115 000
Second Year          115 000         28 750         11 500            21 500           126 500
..and so on until end of the period.
Fortieth Year  23 292 482       5 823 120     2 329 248    17 790 902 26 786 354

4.727    Do you see what has again happened ?   Tax man collected 17+ million;  BUT the accumulated capital at the end of the period is now only R26 786 354, which is down from the NO tax amount of R 752 316 383 !  
The difference between the two is R 725 530 029.   That means that every R1 that the Bureaucratic Sector received from the Productive Sector in this case actually cost that business R 40.78

4.728    Now take half the tax, then we can compare the two tax rates

Table # 6 -  20% TAX - 40 years - 25% profit

20% Tax
Start Capital
R100 000
Trades for 40 Yrs
Nett profit 25%
of capital
each year
Capital at
beginning
of year
Nett Profit
@ 25% of
Capital
   Less Tax  
  @ 20%
  of profit 
 Sum of 
Total
Tax Paid
 over  
period 
Capital at
   year end   
First Year        R 100 000        R 25 000 R 5 000      R 5 000    R 120 000
Second Year
         120 000           30 000          6 000         11 000      144 000
..and so on until end of the period.
Fortieth Year
 122 480 963     30 620 240  6 124 048  36 719 289 146 977 155

4.729   Surprised !   If they cut tax in half they get more than double the money over the period.
R 36 719 289
compared with R 17 790 902. An increase of 106%.

4.730  Conversely, if companies had been paying only 20% tax and it was the raised to 40% then in this case the Government would lose R 18 928 387 over the period, which is a loss of 52% of the total revenue.
So, is raising taxes and e-tolls clever or stupid ?
It is, in fact, just chopping down the Productive Sector to use it for firewood.

4.731  Do you see what has again happened ?   Tax man collected 36+ million;  But also note: the accumulated capital at the end of the period is now R 146 977 155, which compared with the 40% taxed figures, is up from R26 786 354 !  An increase in the capital of the economic infrastructure of 448% !  

4.732   Conversely,
The difference between the Ending Asset Value when NO tax was required and the Asset Value when 25% tax was paid is:  R605 339 228.  That means that every R1 of the 36+ million the tax authorities took (@20%) did actually cost that business only R 16.48.

4.733 So the solution that puts a huge thrust under the economy and the NDP (National Development Plan) is to make everybody fully aware of the following three facts:-

4.733a  1]  Businesses are NOT making the huge profits that most people think, but are only making maybe 5% or 6%.   (Exactly precise figures would be better)

4.733b  2)  The Productive Sector is NOT a cash cow that can be milked every time the Bureaucracy feels like it.  There is a limit and we are already way past that limit.  Taking heavy tax from the Productive Sector is nothing other than chopping down the Productive Sector to use it for firewood.  It is killing the geese that lay golden eggs ... and they already are very sick, under nourished geese, which is why they not laying many eggs. This chopping down of the Productive Sector utterly ruins and destroys the economy.  It will turn us into a nation of starving fools, violent, crime ridden and covered in blood.  The contemptible laughing stock of the world;  the shame of Africa that let Africa down. Starvation, malnutrition, disease, death, crime, corruption everywhere.   Is that what we want ?  That is the way we are going. Is it where we want to go ?  Is it ?

4.733c  3)  Raising taxes & e-tolls and misleading miners and civil servants to demand unreasonable pay rises is just chopping down the Productive Sector to use it for firewood.    It is sabotaging and ruining the Nation. That makes us very vulnerable.  When nations are very poor and their currency is worth nothing, then their politicians are easily corrupted and bribed and easily controlled and such nations assets, minerals, resources, mines can be bought by foreigners for a song, cheapile, at bargain basement prices.

4.734   Politicians, world wide, should not allow this situation to continue, not unless they particularly like the idea of all being regarded with contempt by their grand children and great grand children and great great grand children for being those contemptibly foolish, stupid, selfish old men who ruined the nation and thank God they eventually passed on.

4.735  How does this all help the economy ?  Well the bureaucrats and politicians who come up with all those nice, praiseworthy plans, which we cannot afford, to help the people; AND the corrupt officials and politicians who steal or do other things so wantonly costly to the nation, are not such bad people, but the problem is they think the money is just sitting there for the taking and the government can easily get more from those companies that make such huge fortunes, on top of which, when they steal the taxpayers money they also like to justify it by thinking they somehow deserve it.   But the nation cannot afford it.  The nation cannot afford extravagant expenditure.  We cannot afford wastage, not even small wastage.  The nation needs to turn every penny over three times before deciding to spend it.    Now many of those, not so bad people, would not do the things they do, if they properly understood the real facts and if they knew that everybody else also knew that we cannot afford it;  and if everybody understands these things then people would be much more likely to shout out when they saw wastage or stealing or bribery going on.  Moreover, once everybody understands these facts then it will cost politicians a lot of votes to raise the taxes, instead of lowering them.   Raising taxes is nothing better than incompetent financial mismanagement of the affairs of a nation; which does not apply to only this nation but it applies to all nations.  There is a word for it.   It is called Malfeasance.

4.736  What causes a spot of bother is that the government (perhaps better known as the politico-bureaucracy)  does need a lot of revenue and their having grown accustomed to being very wasteful of money, one cannot expect them to suddenly become as thrifty and penny conscious as they should be.  However, thrift has to start somewhere and the best place for it to start is a grave clampdown on all corruption,  theft,  bribery and nepotism.   Start to moderate all extravagances.   Close down commissions that are not producing very definite value for the taxpayers money.   Where they have good competent people, they need be 'deployed' elsewhere, for there is a big need for competent staff.  Get rid of non essential services and certainly any undesirable services, for instance any service whose only real talent is destructiveness and causing confusion with a murderous, thieving, destructive staff of professional liars, engaged mainly in stealing colossal amounts of taxpayers money, by way of appropriations for secret agents that never existed or long ceased to exist or failed recruitments where the appropriations disappeared and damage done to decent citizens was never repaired, all done at the considerable expense of ruined lives, falsely destroyed reputations and bankrupted businesses.  If in any country such 'services' or subsections exist they should be closed down and asset forfeiture recovery sought.

4.737   Had our South African new regime, in 1994, told the people there should be no celebrations, that they were not yet free and would not be free until there was economic freedom with the land prosperous with full employment;  and therefore the struggle was far from over but had only just begun and would take twenty years; and had they then set out to NOT IMITATE the faults of the previous regime, but had simply removed racial discrimination, instead of painting it a different colour; and had embarked on a program of fiscal austerity, closing down non-essential services, run a very thrifty government, encouraging competent experienced staff to stay regardless of colour and had set about to systematically reduce taxes to half of what they were, then today, we would have the worlds strongest economy, not the biggest, but certainly the strongest, healthiest.  The Government would be flush with more revenue than it knew what to do with, the population would be FULLY employed and wages would have naturally risen due to the shortage of staff and the Productive Sector would be begging to be allowed to import indentured labour.  The Nation would be very very prosperous and would be swamped with foreign investment and we would find it necessary to make it difficult for investors to get their money IN and the treasury would be overflowing, like the Botswana treasury today.

4.738   Now what would we like this land to be like twenty years from now ?  
What would we like our descendants to think of us?     or  

4.739  By making those three points (4.732) above widely known and understood by everybody, many attitudes will change.
AHM

BACKGROUND: These previously unpublished articles, "The Tax Trap" (2012) & "Leadership & How" (2013) were both written for another A H Munger web site "goodfreeventurists.org" under construction, specifically designed to bring substantial improvement to the SA economy.  Unlike this quick simple site, that site is a very much larger, interactive and complex web appliance, including as it will several parallel and several in-series internet think tanks invented and patently structured by the author to totally obviate the egocentricism, jealousies, dishonesties, politics, irrelevancies and verbosities which currently plague dynamic problem solving think tanks to such an extent that their current optimum size is held to be eight participants with a maximum of twelve.  Such South African invention, named RSD's (Regnum Solution Developers - regnum being munger spelt backwards), renders them ideal for the internet and large numbers of participants.

Unfortunately the death of the writers 94 year old mother in 2013, unaffordable medical expenses, funeral expenses, no income and a destitute estate forced the writer to sell the Golden Harvest Magaliesburg Retirement house and buy a very much cheaper Port Shepstone flat on top of which this 74 year old writer suffered severe ill health in 2014 and again throughout 2015/6 to the extent that it is now nearly two years since work was last done on the "goodfreeventurists.org" development. The delay necessitated the urgent implementation of plan "B" being the quick development of the writers personal web site, bring traffic and pump commission earning book sales to bring in some revenue, so in March had to dash off the Morality/Civilization article which, once started, soon proceeded to write itself developing into a potential national movement . . . .and an important one for it purposefully gets the whole nation moving more coherently in the right direction.

Regrettably 175 Press Releases (viewable on Home Page as a Summary) to all press, magazines, radio and TV, brought not the slightest reaction. Apparently the editors did not consider that a good news national movement was sufficiently bad news for any readers, listeners, viewers to be interested in knowing about it,  which necessitated plan "Bii", the bringing in of two unpublished articles borrowed from "goodfreeventurists.org", to give this site more meat, whereafter there is a lot of work to be done to break the log jam and get things moving, a lot of internet marketing to be done, a long march ahead.  However this innovator is known for relentless perseverance, so the onward march goes on.
Allan Munger



Commissions from book sales and also advertising revenues may help pay the cost of maintaining and
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There is NO tax benefit to the donor & donations are not being solicited &
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