My objective is to reduce inequality in New Zealand. Otherwise we risk losing our democracy as do other countries. This would imperil both rich and poor. My most recent book is intended to be both critical and constructive in the hope that some of the ideas will be developed and result in political action. If you feel that there is merit in what I have to say then please refer this website (https://perce.harpham.nz) to your networks and ask them to do the same. If you know someone who might be interested but would only use a printed book then please show them the following sample of the new book and possibly order something on-line for them. The full book goes much further into possible ways of reducing inequality.
The sample given below includes the table of contents, the preface and the summary. Then comes the "Covid Section" detailing a suggestion to help with our Covid recovery followed by resumes and information about buying my books.
The Covid section provides details of the proposal for a new "Negative Income Tax" (NIT). This is needed to correct the gross unfairness of the present personal Income Tax system which I regard as the greatest con-trick that has ever been foisted on the poor. In brief the present system appears helpful to the poor as up to $14,000/yr the tax rate is only 10.5% and then it goes up in steps to 33% for those on $70,000/yr and above. The saving for someone on an income of $14,000/yr is $3,150/yr. But those on higher incomes also get this saving and similar savings from the higher steps culminating in a saving of $9080/yr for all those on $70,000/yr and above. What a con - the more you have the more you get from the exemptions below 33%!
With a NIT everyone would pay 33% on ALL income up to the new step, announced recently, at $180,000/yr when it goes up to 39%. The lower steps would no longer exist. But everyone aged 18 to 65 would be paid $9080/yr with no conditions - just as is the case with Superannuation. Those on $70,000/yr and above would be in exactly the same position as at present. Those with no income would be $9,080/yr better off with lesser benefits to those earning up to $70,000/yr. That is over 80% of people would be better off. They would be paying more tax than at present but it would be less than their $9080/yr.
The Covid section of the book goes into the arithmetic and calculates that in 2018/19 the cost to pay all those in the 18 to 65 age group would have been some $29bn but the extra payments would be a bit over $22bn. This $7bn difference would be diminished by ensuring that beneficiaries were neither better nor worse off (there would be no "double dipping"), by reduced administration costs and the unusual current situation where Government is spending money which it has not collected in taxes. So it is new money which, when spent, will yield GST and other taxes not just once but on each circulation of the new money. It is even possible that Government would make a profit from the change. Also, by giving money directly to people instead of to the banks for them to on-lend then there would not be an increase in personal debt. The latter could generate another financial crash with a small change in interest rates.
Now get the sample I have been talking about by clicking WATPP excerpts.docx (You may want to Google "How to open a .docx Word file on Mac, iPad or iPhone" if you dont have Microsoft Word) and return here afterwards.
The new book is available as a normal printed book and also as an electronic book (ebook), The latter have some advantages over books, including a much lower price and almost instantaneous delivery but may require some learning, as is usual with any computer application. Fortunately the younger generations are keen to help the older ones with this learning.
Finally, in case you are interested in thinking more about inequality and some suggestions about how to mitigate it I will give you directions as to where to buy my books including the new one. These directions include links which you can use to access my books to either buy or get a book sample from the suppliers in either form. Their samples will be much the same as the one here but you can run it on your own computer, smartphone, tablet or ereader (such as Kindle, Nook or Kobo etc) before making a purchase. I will also list links to other free writings of mine. The new book is:
WHY ARE THE POOR POOR? A NEW NEGATIVE INCOME TAX, OTHER IDEAS & A CHAPTER ON HUMAN RIGHTS BY GAIL E.DUNCAN.
Thomas Piketty's book "Capital in the 21st Century" in 2014 was a compelling account of how concentrated wealth inexorably increases inequality. Various solutions have had extensive coverage at a philosophical level but almost nothing has been published about the practical difficulties of the detailed design, costs, funding, and transition. This book provides a "sketch plan" of some of the work that is required to make the dreams come true.
This is the time for transformative changes. The change to a NIT is one such change.
This book is for Politicians, Social Scientists, Economists, the Wealthy, the Middle Class, Workers, Activists, Students, the Disadvantaged and all those who care about people and the planet.
A Note about Electronic Books
Ebooks are simply books in digital form, readable on your computer or on other reading devices such as your iPhone (or other smart phone), iPad, Barnes & Noble's Nook, the Amazon Kindle reader, the Kobo Reader, and many other devices.
My books come in both printed and electronic forms. Amazon.com supply both my printed books and ebooks while smashwords.com supply only my ebooks. They each supply directly and through networks of leading booksellers and others who supply my work. This includes well known names such as Barnes & Noble, Apple Books, W H Smith, Kobo and the like. Go to these or other major booksellers and equipment suppliers websites and use the search function of your browser for "perce harpham" to see my books or ebooks for you to select.
Smashwords and much of their network will offer you the choice of a number of ebook formats to download for different devices and you can even print it out on your home computer if that's what you prefer. The choice is particularly useful if you have a number of different devices.
Amazon have a different approach. They will offer you only one format - the Kindle (Mobi) format. But they also provide free programs for this format to be read on devices other than Kindle.
One of the many differences with ebooks is that the user can change things such as the background colour. This is great for reading in bed at night with a black background and white print so that your partner can sleep. Also for reducing eye-strain. Again you can change the font size and print and can easily move backwards and forwards with hyperlinks which are internal to the ebook. You have to have an electronic device of some sort and it may require you to install a program in order to read it. The specialised devices have such programs built in. They may require the ebook material to be supplied in particular formats. Apple machines are supplied with an ereader program as standard but Windows will need, say, Adobe Digital Edition and Android machines a program such as Aldiko to be installed. These are both free and available from the Play menus on the different devices. If required you should download and install these before getting the ebook from a supplier. Then the program will detect the download, put it into a library and start it for you.
To learn more about ebooks, the format needed for different devices and for detailed practical advice on installing to ereaders such as Kobo and other systems click on https://www.smashwords.com/about/supportfaq#readonPC
My Books and Ebooks
My ebooks are available from Smashwords and Amazon and their networks. The ebooks run on the whole range of computers My books are only printed by Amazon. The online process is pretty common for all of the suppliers whether you are purchasing an ebook or a book. But books only come in one form whereas ebooks come in many forms depending on whether you have an ereader, an Apple IOS, an Android or Windows operating system as I have explained above.
In each country there are taxes such as VAT or GST and these are increasingly being applied to even small purchases whether from the same or another country. There are also exchange rates, delivery costs and delivery delays so my suggestion is that for books you go to your favourite in-country bookseller, if you have one, and type into their search-box "perce harpham" then click on your choice of book or ebook. If there is no response or you have no such reseller then go to the links below.
The list price of my books is US$9.99 and for ebooks US$2.99 but the local price may be a bit different and sometimes there are discounts for a limited time. The freight costs can be close to that of the printed book. Click on any of the links below to sample the books or purchase them. Within New Zealand I supply the books post free at NZ $25 - about the same price as from the USA and the supply time will usually be much better than if you purchase directly from Amazon.
For the printed book WHY ARE THE POOR POOR?, A NEW NEGATIVE INCOME TAX, OTHER IDEAS & A CHAPTER ON HUMAN RIGHTS BY GAIL E DUNCAN copy and paste into your browser https://www.amazon.com/dp/B08W4ZSLP8 or for the ebook https://smashwords.com/books/view/1030527 .
An Earlier book.
" SOME VOYAGES Around New Zealand & Elsewhere" is similarly available to sample or purchase as a printed book from https://www.amazon.com/dp/B00BPBKG70 or in ebook form from https://www.smashwords.com/books/view/314823
This is a nice present for anyone interested in sailing
A related free book of mine.
A precursor to the most recent book, published in 2001 as an A5 size book, is no longer in print but an ebook is free of charge and contains relevant material which is not included in the latest book. Click on The Health of Nations to download a pdf copy. Note that as a pdf then, depending on your browser and hardware, the image size may need adjustment. Hold down the Ctrl key and push - to make it smaller or + to make it larger.
A useful story
A large part of my life was spent developing Progeni, the first computer software company in New Zealand. It developed into an international company with branches throughout Australia and New Zealand, Chicago, Los Angeles and Beijing. After 21 years Progeni was "collateral damage" in the failure of the Bank of New Zealand in 1989. It is worth reading about the success and failure of this company as an example of the problems facing anyone growing a new industry. We need new industries in New Zealand to make it more self-reliant in order to survive the perils of the future. See The Story of Progeni.pdf
I will endeavour to reply to emailed comments and ideas but expect it to be a little slow. Thanks.