We, the people are all
investors in the nation's sustainable development to regulated success. Our
poor and barely getting by, our middle class and our rich, all invest
materials, money and time in order to benefit from resulting returns on such
investments. Returns that could improve standards of living, maintain persons
income levels above increases in cost of living expenditure, afford persons a
comfortable home, travel and entertainment, and reduce the number of persons living
in poverty. This can only be adequately accomplished by solving each other’s
current problems, satisfying each other’s crucial wants, and meeting each other’s
basic needs.
Many persons living below the poverty line or paycheck to
paycheck can only afford to invest time. Using family, friends, money lenders,
credit unions or social programs, to finance skills training, gambling, get
rich fast schemes or crime, seeking to grow one dollar into a windfall in the
short-term, after repaying the borrowings, which is unsecured and at risk to
personal health. Such persons would also risk getting into relationships over the
medium-term only for financial benefits. Generally, these persons would be
looking forward over the long-term to, a pension based on time, receiving an
old age grant from the nation.
Other persons gainfully employed invest both time and some
financial savings. Advised to contribute an affordable amount from every
paycheck, which may be matched by the employer, into a tax deferred retirement
plan; pension or annuity, along with statutory deductions to national insurance
or health services, towards long-term pension and other benefits, inclusive of
an old age grant if those benefits falls under a preset threshold. Such persons
could also earn, in the medium-term, annual bonuses, which could be used to
increase pension contributions or off set mortgage or other debt payments, but
mostly choose to vacation. Generally, these persons would spend their
disposable income on parties, travel, entertainment, gambling, not seeking a
short-term windfall but just having something to talk about.
Persons who inherit property or build wealth through mental
or physical activities will invest to, at the very least, sustain or grow their
net worth. Using banks, depositors’ funds, to finance trading, constructing or
promoting operations seeking to grow one dollar into three, over the
short-term, after repaying the borrowings, which would have been secure by
property or personal reputation. Such persons would also seek medium term
investments; vehicle rentals, etc. to reduce the short-term risks and balance
their investment portfolio. Ultimately, these persons would purchase commercial
real estate and collect rental income from 'A' grade tenants, and set this
dependable income as their pension.
What we all share is a common need for basic utilities,
which must be accessible and affordable by all, for the nation to prosper;
ideas into industries. Ideas, the ultimate product of the human being, are the
returns paid on basic utilities investments. Water, clearly essential to all
biological life inclusive of the transformation of waste, and Power, commonly
transformed into electricity to produce energy, are the basic utilities which
control economic inflation. Security, healthcare, nutrition, housing,
transport, communication and education all depend on water and power. Hence, a
National Utility Corporation listed on the stock exchange, seen as an index
fund, with tighter regulations and less political interference, raises funds to
modernize or expand operations and distribution, and offers all persons principal
protection and dependable short, medium and long-term, returns to better
inflation and earn more interest than is paid on bank deposits.
Rationale
T.A.J & Associates Company Limited uses this occasion to comment on topics that have been covered, both academically and by the mainstream media, to add its opinion and point out investment opportunity, not to invoke any social action.
