A: Local politics
I. Establishment of the foundation under public law
1. A foundation under public law is to be established to finance voluntary services. The money is to be invested in a DAX index fund and the voluntary benefits are financed from the dividend income. The voluntary benefits are to be outsourced from the city budget and increased in the long term. As a result, budget surpluses will arise, debts will be paid off and taxes and levies will no longer have to be paid for debit interest and voluntary services. This will result in a major tax cut.
That should be financed by
1. Profit transfer of the Sparkasse. If the savings bank has more than 10% equity in the balance sheet total, it can transfer 25% of the balance sheet profit to the foundation.
The savings bank must operate its own trading in order to generate profits. e.g. real estate deals etc.
2. Appeals for donations / forms are sent with the income tax cards.
3. 20 points of business tax (as long as it still exists) will be paid there.
If the trade tax is increased, the city has to pay less surcharge through the financial equalization law. Today it is different with the Financial Equalization Act. There is no longer the federal trade tax apportionment and the increase remains with the municipality and apportionment is not saved.
4. Income from events, fines, etc.
5. Profit distributions from the municipal housing association.
6. Possible sale at very good utility / municipal property price. This way, a lot of foundation capital can come together very quickly.
II. Round table project
Economic power has to be strengthened in order to fight unemployment.
This is why real estate agents, politicians, tradespeople, trade unionists and farmers all have to sit down at a table and try to market the industrial areas.
The zoning plan must have enough commercial areas and the infrastructure must be improved.
III. The public benefit must be promoted.
DH voluntary fire brigade, sports clubs, voluntary work, DRK, ASB, etc.
The kindergarten must promote early childhood education so that the synapses in the brain are formed. This makes learning easier in school.
That means music, sport, action-oriented learning.
As the income from the foundation increases, the subsidy for the kindergarten will increase by 5% every year until it is 100% in 13 years. Today it is 33%.
IV. Enhance the promotion of regenerative energy / municipal budget
If municipalities cannot find industrial settlements for their properties, it would make sense to erect photovoltaics / wind turbines on open spaces or buildings in the subsidies in order to improve the city budget.
Conversion of public buildings into passive houses and development with solar technology. This reduces building costs and there is additional income from feed-in subsidies.
To reduce electricity costs, invest in energy-saving lamps.
V. Establishment or maintenance of the municipal housing association for social housing.
A model for this is the municipal housing association in Göttingen. It provides affordable living space of around 5 euros per square meter, builds new apartments and distributes profits to the city.
Now there are 2 positive side effects through the city's own savings bank.
1. Another important aspect is the Sparkasse. Example: The housing association invests 100 million euros. 30 million equity capital and 70 million euros debt capital that was used by
If the loan is granted at cost plus 1% interest, there is a surplus of 700,000 euros.
2. In addition, the housing association receives very favorable interest rates, which has a positive effect on its profits.
1-room apartments must also be made available, preferably managed by a caretaker and with a washer and dryer in the house, like in a student residence. Otherwise, the costs for a single Hartz IV recipient / basic security pensioner are higher than what the social welfare authority takes over or what single minimum wage earners can afford in high-price areas.
Here is the annual report of the Göttingen housing association https://www.swb-goettingen.de/deutsch/unternehmen/aktuelles/geschaeftsbericht-2018-erschienen.html
Promotion of hire purchase based on the DIW model
This is the ideal way to avoid old-age poverty under 45 years of age.
https://www.diw.de/de/diw_01.c.669801.de/staatlich_gefoerderter_mietkauf_kann_eingangsschwachen_familien_weg_in_eigene_vier_waende_ebnen.html?fbclid=IwAR0c7ygWJeliz0UIzjify31wxSglBUyBX4GjWz-58
The same concept also applies to investments under point 4 or the construction of a multifunctional arena for sports and concerts. Here, too, the Sparkasse can win and low interest rates are offered.
VI. Investments
Investments that lead to current income or lower costs have priority over investments that lead to current costs. Example: Build photovoltaic systems on public buildings to generate income from electricity generation and to carry out energy-efficient building renovation.
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