Need Bonds: Part 2 – Supermarket Bond Forming Cooperative Bonds

Written by Abdun Nur

Part Two

Supermarket Bond Structure

A bond is closed to the public and does not use the fiat currency of the state granted monopoly. To remove the State imposed extortion the bonded community should ultimately form need bonds to satify every need, effectively rendering redundant corporation., Presently this is not possible, and until the point all needs can be met within the bond, for those things and services the bondsmen require that have no need bond then the extortion would have to be paid to appease the parasites, until the alternative to State mafia is established widely.

A reciprocal bond is created by the utilisers, those with the need, not those with a monopoly on capital, collectively the bond allows any service to be created as people create what they need free of usury, reducing costs increasing quality and increasing the earnings of all involved, through the providing of those services. All bonds are closed, meaning not open to the public (corporations), only bondsmen can access the services of the bond they have contributed towards creating.

Instead of seeking the lowest priced supermarket, the procurement bond members source the lowest prices for the very highest quality, and add nothing to the bulk saving, you pay the proportionate cost consumed, paying only proportionately of the whole. Once the bonding model has wider application the ideal would be to seek bonded cooperative manufacturing which functions through the true cost bonding model, with costs determined from the labour, overheads and materials used in delivering that production to you, while the infrastructure costs are a shared refundable guarantee from those bondsmen with the need.

As the local supermarket multilateral bond grows, instead of sourcing corporate suppliers, or distant cooperative bonds, local reciprocal bonds can be developed to supply goods locally, increasing quality and further lowing costs, growing the wealth within the local community.

Like all procurement bonds it has two parts, the refundable deposit and the direct cost from utilisation.

The procurement bond members request products from the cooperative procurement bond, only limited by quality, bound inherently to the reciprocal duty of care which prevents trading contaminated goods. The bond cannot supply pasteurised, carbon-monoxide treated, bleach dipped, heavy metal contaminated, genetically modified or heavily pesticide, herbicide, insecticide, or toxic chemical laced or laden foods, or products allowing toxins that the body will come into contact with and absorb, these would break the inherent duty of care reciprocally incumbent on every soul.

Further restrictions of supply can be imposed such as animal treatment, production methods etc. as determined through the consensus of the procurement bond members, those with the need, all supplier information would be available open source to all bondsmen. When the collective create the service they control the quality, and who would want to give themselves rubbish?

The cost of testing a new product would need to be formed by the first procurement supermarket bond, but as the model grew that would be a shared cost added equally across all procurement bonds members. All tested products would have their results freely shared with all procurement bonds.

The cost of any products procured, but that disappears (stolen), without a procurement bondsmen buying them, is born by the supermarket cooperative bond members as an equal burden, if a thief is within the supermarket cooperative bond, it’s a cost born by the whole supermarket cooperative not the procurement bondsmen, because they are the gate keepers, if they were free of responsibility for the goods in their keeping, then they would be free to steal wholesale.

A modern supermarket throws away around 40% of all fresh produce, this inflates the cost to the consumer and is an extremely wasteful system. They reduce the waste by using some of this waste in prepared foods, for example in the supermarket restaurant or the cooked foods counter.

Supply on demand of fresh produce from suppliers, without the need for display of produce, only in warehouse weighing and packaging, reduces waste but is a difficult way for consumers to access fresh produce.

Most people have a set weekly shop with slight variations, about 80% of products shoppers buy, they buy every week, so this could be anticipated with software to have the produce stocked in advance with little to no waste.

Even collection and distribution to the procurement bondsmen daily if possible dependent on suppliers, if all fresh produce can be locally grown, this is a logistics system, the management of the flow of things between the point of origin and the point of consumption to meet requirements of bondsmen, and local production reduces costs.

The suppliers are paid on collection or delivery for all goods, the advancing cryptocurrency platform pays in advance on behalf of the procurement bonds before collection, if the supplier wants their product to be stored in bulk, in the warehouse of the supermarket, to reduce delivery costs, before they’re sold, they’re only paid as the product is bought, any unsold expired product is return to the supplier at their loss, any returned goods due to fault are returned to the supplier and refunded or replaced by them at their cost.

Distribution of funds is through a software platform, using the advancing cryptocurrency exclusively, you would not be able to use any fiat state sanctioned currency for any need bond. if a supplier is not in the bond, so a corporation or company, then the platform would place the advance on the trading platform, and when the earthcoinage was traded for fiat, it would be transferred to the corporations or companies bank account.

Cost of an Online Delivery Supermarket

Online supermarkets are far more expensive to run and so the cost of goods would be higher using this model as it requires far more labour. Presently only 3% of shopping is done online.

1 Driver can deliver approx. 150-200 local drops in an 8 hour day

Average new refrigerated vehicle cost £35,000 (yr 2020)

Van wracking system £2,000 with freezer box.

Average grocery delivery driver hourly rate £11

The best place to work as a HGV driver is Australia. Average 40 hour week Salary – $70,000 (£38,440) (2080 hours work annually = £18.50 hr)

A general worker inside a supermarket is paid an average of £8.42 an hour.

If we consider the minimum anyone should be paid for the unskilled fruits of their labour in reciprocation is £20 an hour (2020 value) to live at a basic level above poverty.

Semi skilled £30 an hour

Skilled £45 an hour (for example a doctor is presently paid on average £43 an hour before their owners take taxes)

Unique and rarely attained skills, would be negotiable within the consensus of the cooperative bond members.

All hourly rates are negotiable within any cooperative bond, but minimums should be set as described above.

The rate of distribution would establish a basis for allocation proportionately within the cooperative bond at the outset, as the value of the advancing cryptocurrency is set to purchasing power that rate never alters not being effected by inflation.

In the UK 1 km2 = 201 households which would require 1 large van and driver 1 day to delivery

The average person goes to the supermarket 1.6 times a week, if we take the average family shop as 2 times a week.

1 van can deliver 700 shopping deliveries in a 40 hour week as a mean.

1 driver and van can service approx. 1 square mile of the average town.

The average town is 10 square miles

Average number of households per town approx. 6000

Average 2.6 people per household

Cost of insurance if no Driver Assurance bond is available = £2000 a year per van = £20,000

Cost of Warehouse insurance is an assurance bond doesn’t exist = £5000 annual cost

Cost of fuel to run a van average 2 Lt an hour. 2080 hr X 2 Lt = 4160 Lt presently £!.33 Lt = £5,530 X 10 = £55,300

If no assurance garage bond exists, maintenance for both refrigerated delivery vans and HGV wagons estimated cost of labour and materials: £25,000 annually

7 miles per gallon £6 a gallon average mileage 100,000 = £86,000 diesel cost annually

Cost to pay the reciprocal labours of the drivers @ £20 an hour = £416,000

Picking time in warehouse average 1 minute per unique item

Average size of large family shop 40 unique items (multiple item picks of the same items don’t add greatly to the time required for picking so only unique items are counted)

The added annual cost would be for warehouse stocking, local delivery as a division of each item purchased proportionately to the whole bond:

Refundable deposit:

£1,000,000 Automated picking system

£2,000,000 average cost of a 20,000 sq ft warehouse

£ 130,000 Cost of HGV vehicle and 2 box trailers (depreciating average 15% a year (£19,500 annual cost))

£ 370,000 Cost of 10 refrigerated vans @ £37,000 X 10 = £370,000 depreciating 15% a year (£55,500 annual cost)

£ 70,000 2 x fork trucks (15% annual depreciation)

£3,570,000 total

Servicing 6000 households refundable bond £595 per household

Annual costs:

£ 19,500 HGV depreciation

£ 55,500 10 X vans depreciation

£ 10,500 fork truck depreciation

£ 45,000 Building and mechanized picking system maintenance life expectancy 50 year (£5,000 towards maintenance – £40,000 annually is saved using the cryptocurrency advancing platform these amounts are held in a form of escrow to fund replacement of systems and update of system at points in the future)

£416,000 10 delivery van drivers earnings

£ 25,000 vehicle maintenance

£ 55,300 Van fuel costs

£ 86,000 HGV fuel costs

£ 25,000 Insurance (If a need bond for vehicle assurance doesn’t exist at that time)

£ 62,400 HGV driver earnings

£ 30,000 Running costs of warehouse

£ 83,200 Cost 2 x Fork truck drivers

£ 7,800 Cost of propane for fork trucks, 8 hours use £30

£ 62,400 cost of buyer/need bond development earnings

£ 20,000 theft from local government labelled council tax estimated

£4,160,000 Cost of 100 pickers

£ 30,000 Software development

£5,093,300 total = average running cost £848 per households

This means it would cost:

£595 Refundable deposit

£848 Average annual service cost

Direct-to-consumer retailers aim for a profit margin of 55-65% on products

£7,549 per household annual avg. spend

55% added mark up on the products = True cost £3398

Using organic suppliers increases cost by approx. 10% = £340

10% added to product cost to cover waste, theft, damage and to any excess left is used to reduce the direct cost of running the service = £340

£3398 + £340 + £340 + £848 = £4926

Average Annual Cost of household Shopping £4926 – Saving £2623 a year from present costs (The product cost would be reduced further if provided by cooperatives within the bond, avoiding VAT (which would be attached to corporate products) as no product is sold or for sale, this supermarket is not open to the public and does not use fiat currency, all goods are simply traded for an earthcoinage advance that is refunded with advances (savings) held by the consumer)

If the warehouse doubled the procurement bondsmen from 6000 to 12000 bondsmen by running 16 hours a day instead of 8, it would reduce the collective annual costs of service slightly by around £14 a year per bondsmen, however the main advantage of doubling the bond size from 6000 to 12000 would be in reducing the refundable deposit by 50% to £297 per household if you tripled it to 18000 bondsmen with three cooperative running within the same infrastructure you would reduce it by another £14 per bondsmen and reduce the refundable deposit down to £198 per household.

These are estimates leaning on the high side the true cost would likely be lower and the savings higher.

The annual cost is proportionate to service in the above example assumes 104 deliveries, of 40 unique items per deliver, per year costing approx £8.22 per delivery as a service charge plus the cost of the products this is the average as each order would determine proportionately the shared cost of the service.

Several cooperative bonds can be created by the procurement bond to further lower product costs, a few examples:

  • Bakery Cooperative Bond
  • HGV Supply Cooperative Bond
  • Butchers cooperative Bond
  • Farmers Cooperative Bond
  • Confectioners Cooperative bond
  • Cooked Fresh and Frozen Foods Cooperative Bond
  • Etc.

The more the procurement bondsmen helps to develop attached local cooperative Bonds, the lower the cost of goods, the faster collection and so fresher the product, the higher the quality of goods rises and those who create the goods receive 100% of the fruits of their labours. The local community is not drained of resources but is fed and grows, keeping the wealth locally, not as presently, drained away by parasites.

To create these bonds requires refundable deposits attached to the procurement bond, so this increases the investment each bondsmen has to contribute. But to do this will develop local community, and in a positive cycle encourage ever more bonds to form.

The extortion of taxation is linked to the fiat debt certificate and banking system, using the advancing cryptocurrency within a closed bond (not open to the public) there is no need to pay the agents of the corporation of government mafia taxation, using a closed bond allows some to be excluded from the bond, such as civil servants, military, police, lawyers, politicians, all usurious parasites and all psychopaths, you cannot be a part of the solution if you are working to generate the problem.

Symbiotic Cooperative Bonds

To join a cooperative bond, which produce products and services, such as a supermarket work force or symbiotic producer, you place your details on the bonding platform, linked to the cooperatives seeking formation, or expansion, the need bondsmen then through consensus of those interested enough to be involved in the selection process, decide who they would like to join the cooperative bond, and once decided the new cooperative bondsman is on a period of probation for six months, once the probation period is ended the bondsman has to contribute to a store of value, specific to the infrastructure utilised by the cooperative, amounting to 20% of the value of the infrastructure shared proportionately across all bondsman within the cooperative. If the cooperative bond fails, due to poor service or corruption, that 20% which the platform holds in a form of escrow, is used to cover any losses or costs in the creation of a replacement cooperative, or to cover any losses in the dissolution of a cooperative and the selling off of all infrastructure and equipment to refund the need bond.

Need bond members are free to leave at any time (no reason is required), and may join a bond that provides a better service, or they may move to different area, or a bondsman may die, to reimburse those bondsman or their heirs, the full amount is advanced by the earthcoinage platform upon request, and that advance is reimbursed to the platform when a new need bondsman joins the cooperative, replacing the departed bondsman, if that doesn’t happen and the number of need bondsmen drops below the minimum required for the bond, as determined at the formation of the need bond, then after a predetermined period the system seeks the loss from the 20% virtual escrow account holding the 20% guarantee of the cooperative bond created to satisfy the need bond. The 20% guarantee protects the need refundable deposits.

If the number of need bondsmen drops below the minimum, the system seeks consensus from all remaining need bondsmen about the complete dissolution of the cooperative bonds servicing the need. The cooperative bondsmen would present their case to the need bondsmen, if they wished to save the cooperative, and when all the issues have been considered a reasoned consensus would be made.

20% of infrastructure value = £714,000

  • 100 pickers
  • 1 HGV driver
  • 10 van delivery drivers
  • 1 buyer
  • 2 fork truck drivers

Total of 114 each cooperative bondsmen within 7 separate, but symbiotic, cooperative bonds, would have to provide £6,263 to guarantee deposits held in virtual escrow, this model works best using the advancing cryptocurrency, as the cooperative bondsmen can take the stored value payment as an advance and pay it off slowly, also as the cryptocurrency is a true medium of exchange it does not alter in true value, as its value is determined through commodities not demand. The cooperative bondsmen would be refunded any amount they had contributed to the 20% guarantee if they left the cooperative, and their replacement would replace that amount to the collective pot upon joining.

When a bondsmen leaves the bond the stored 20% cannot be accessed by the cooperative, it’s held in virtual escrow on the system only accessible through the procurement need bond, which after application to be refunded would seek consensus from the need bodsmen to release the funds satisfying the request. The £6,263 is paid back in full, and their replacement pays the same, reimbursing the 20% guarantee when they join, or guarantee the amount which they repay over time.

  • Using the bond saves the bondsmen utilising the goods around 40% on their annual grocery bill.
  • Most of the people providing the service of the supermarket earn free of mafia tax over two or three times as much as present supermarket works earn.
  • The quality of the goods sold is much high, healthier, free of contamination.
  • The bond works to create supply directly from local sources, if possible, providing local jobs at higher reward, ideally, at least twice the corporate benefit.
  • Using the 100% advancing earthcoinage cryptocurrency, costs are reduced further as the corporation of government mafia cannot access earning, the cooperative members do “not” own the infrastructure they only utilise it, the bondsmen of the need procurement bond collectively hold the value of all infrastructure, it is a common resource, preventing the mafia claiming the infrastructure in lieu of taxes. Additionally saving within the closed bond of the cryptocurrency prevents the agents of government mafia accessing savings.
  • No money is involved in the bond directly, it’s fully online, this is ideal for the advancing cryptocurrency platform, computers are ideally suited to accounting.
“Those who expect to reap the blessings of freedom must, like men, undergo the fatigue of supporting it.” Thomas Paine

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