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-~~DISCUSSION|Weitere Fragen oder Anmerkungen?~~ 
 ====== Frequently Asked Questions (FAQ) ====== ====== Frequently Asked Questions (FAQ) ======
 +
 +\\
 +===== Index =====
 +  * [[#general_questions|GENERAL QUESTIONS]]
 +  * [[#issuance|ISSUANCE]]
 +  * [[#payment|PAYMENT]]
 +  * [[#acceptance_redemption|ACCEPTANCE, REDEMPTION]] 
 +  * [[#critique|CRITIQUE]] 
 +\\
  
 ===== GENERAL QUESTIONS =====  ===== GENERAL QUESTIONS ===== 
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 In a performance-oriented society based on the division of labor, the duration of work is insufficient as the sole measure of value. Therefore, the indication of minutes on the vouchers is linked to the terms 'quality' and 'performance'. 60 Ninutos are equated with 30 Euros (August 2010), i.e. a middle value between a highly specialized and a less specialized activity. However, the payment for a service offered will always depend on what value it has for other people. Over time, through supply and demand, appropriate prices will be found. The principle applies: Everything is a matter of negotiation! In a performance-oriented society based on the division of labor, the duration of work is insufficient as the sole measure of value. Therefore, the indication of minutes on the vouchers is linked to the terms 'quality' and 'performance'. 60 Ninutos are equated with 30 Euros (August 2010), i.e. a middle value between a highly specialized and a less specialized activity. However, the payment for a service offered will always depend on what value it has for other people. Over time, through supply and demand, appropriate prices will be found. The principle applies: Everything is a matter of negotiation!
- 
-==== Exchange rate ====  
- 
-Minuto vouchers are based on qualitative human working time, therefore they are stable in value during the validity period. The conversion rate, may vary depending on the region and may also change, for example, due to inflation of the legal currency. The price of a craftsman hour is a rough guide to determine the conversion rate. 
- 
-**Recommended conversion rate: 60 minuto = 30€ (as of 2021)**. 
  
 ==== Business use / Taxes ==== ==== Business use / Taxes ====
  
-For business use, you need the conversion rate. At the above rate, if for example 60 minuto are received, then this corresponds to a taxable cash income of 30€. If these 60 minuto are spent again, this corresponds also again to an expenditure of 30€.\\ +For business use, you need the conversion rate, see [[en:conversion|How to convert]].\\ It can make sense to accept only a percentage in minuto, so that enough euros are taken in to be able to pay expenses, taxes, etc. Learn more about the [[en:business_use|business use]] of Minuto.
- +
-It can make sense to accept only a percentage in minuto, so that enough euros are taken in to be able to pay expenses, taxes, etc.+
  
 ==== How are sales in Minuto taxed? ==== ==== How are sales in Minuto taxed? ====
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 The Minuto is designed to optimize neighborly help and the exchange of friendly turns. Sales of this type are usually tax-exempt.\\ The Minuto is designed to optimize neighborly help and the exchange of friendly turns. Sales of this type are usually tax-exempt.\\
  
-Business owners can also use Minutos. Commercial transactions in Minuto are subject to tax in the same way as in conventional currencies and are paid in them. The recommended conversion rate for accounting purposes is: 60 minutos = 30 Euros (Aug 2010). In some municipalities it is already possible to pay taxes in complementary currencies.+Business owners can also use Minutos. Commercial transactions in Minuto are subject to tax in the same way as in conventional currencies and are paid in them. The recommended conversion rate for accounting purposes is: 60 minutos = 30 Euros (Aug 2010). In some municipalities it is already possible to pay taxes in complementary currencies. Learn more about the [[en:business_use#taxes|taxation]] of Minuto for business use.
  
 ==== Can retail stores also participate? ==== ==== Can retail stores also participate? ====
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 The possibility of making your own means of payment is exceptional and can cause excessive enthusiasm. However, more important than the vouchers are the service offers. This must be pointed out again and again. The possibility of making your own means of payment is exceptional and can cause excessive enthusiasm. However, more important than the vouchers are the service offers. This must be pointed out again and again.
  
-===== Isn't it all too elaborate and complicated? =====+==== Isn't it all too elaborate and complicated? ====
  
 Often at the beginning the argument comes that the thing with the guarantors and the effort to create valid Minuto is too complicated. At the first moment it may seem so, however, a distinction must be made between the use and the creation of Minuto vouchers. The creation of new Minuto is somewhat complex, but the use is very simple and not everyone has to create Minuto to participate. Often at the beginning the argument comes that the thing with the guarantors and the effort to create valid Minuto is too complicated. At the first moment it may seem so, however, a distinction must be made between the use and the creation of Minuto vouchers. The creation of new Minuto is somewhat complex, but the use is very simple and not everyone has to create Minuto to participate.
  
 +\\
  
 ===== ISSUANCE =====  ===== ISSUANCE ===== 
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 When the template is cut, the horizontal cut goes exactly through these three dots. As a result, each voucher has a half dark dot at the top edge. The dots are arranged so that they are on the far left of the 1 and on the far right of the 120, according to the value of the voucher. So you can see dark lines on the top edge of a Minuto bundle and easily find vouchers of the same value. When the template is cut, the horizontal cut goes exactly through these three dots. As a result, each voucher has a half dark dot at the top edge. The dots are arranged so that they are on the far left of the 1 and on the far right of the 120, according to the value of the voucher. So you can see dark lines on the top edge of a Minuto bundle and easily find vouchers of the same value.
  
 +\\
  
 ===== PAYMENT ===== ===== PAYMENT =====
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 ==== Can I buy anything with Minutos? ==== ==== Can I buy anything with Minutos? ====
  
-Minutos are a supplement to the standard means of payment. Many things are temporarily available only with Euros, Pounds, Dollars, Yen, etc, for example, gasoline, heating oil, telephone, electricity, gas, new cars and so on. With each person participating in the Minuto network, the variety of offers increases.+Minuto is intended as an interpersonal means of regional payment and is a supplement to legal tender. For the time being, many things will continue to be available only against Euro, Pounds, Dollars, Yen, etc., such as gasoline, heating oil, telephone, electricity, gas, new cars, etc. The same applies to major projects such as road construction. However, with each person participating in the Minuto network, the variety of offers and the number of possible uses increases.
  
 ==== What's the validity of a Minuto voucher? ==== ==== What's the validity of a Minuto voucher? ====
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 ==== Can Minutos only be redeemed at the respective issuer? ==== ==== Can Minutos only be redeemed at the respective issuer? ====
  
-Similar to the euro, the Minuto voucher as a medium of exchange can travel from person to person hundreds of times before it is redeemed at the respective issuer. Each person has the freedom to accept or reject the vouchers. However, the issuer of the respective voucher is obligated to redeem it within its period of validity. The issuer can provide any kind of service. The main thing is the satisfaction of the people involved. +No. Similar to the Euro, Minuto vouchers as a medium of exchange can travel from person to person hundreds of times before they are redeemed at the respective issuer. Each person has the freedom to accept or reject the vouchers. However, the issuer of the respective voucher is obligated to redeem it within its period of validity. The issuer can provide any kind of service. The main thing is the satisfaction of the people involved.
- +
-==== Can a voucher redeemed by the issuer be used a 2nd time? ==== +
- +
-If the voucher is valid for more than 3 years, the issuer can use the voucher repeatedly. As soon as the validity period is shorter than 3 years, the issuer destroys the voucher after redemption. Due to this rule, participants of the network practically never receive vouchers that are about to expire.+
  
 ==== How do I know where to spend Minuto? ==== ==== How do I know where to spend Minuto? ====
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 To participate in a Minuto group, you first fill out a form with your own offers. This sheet is then copied and distributed to the other group members. In this way, instead of a central directory, each individual creates his or her own "yellow pages" with preferred exchange partners. Everyone is free to create a list of their own contacts. To participate in a Minuto group, you first fill out a form with your own offers. This sheet is then copied and distributed to the other group members. In this way, instead of a central directory, each individual creates his or her own "yellow pages" with preferred exchange partners. Everyone is free to create a list of their own contacts.
  
 +\\
  
-===== ACCEPTANCE, REDEEMING ===== +===== ACCEPTANCE, REDEMPTION =====  
 + 
 +==== What do I do as a provider if someone wants to pay with supra-regional Minuto vouchers? ==== 
 + 
 +You can accept them, charge a surcharge or refuse them: 
 + 
 +  * **Accept**, if you are going to make a trip to that region in the foreseeable future or purchase something from there. 
 + 
 +  * **Charge a surcharge** (e.g. 10%) if there is a carpool or travel center in your region that offers and exchanges Minutos of different origins, just like with foreign currency. Then you can take these bills to the exchange office and ask for Minutos of your own region. For this service, the exchange office may charge, for example, 5%. - On the other hand, if you are planning a trip, you can ask for Minutos of the vacation region when choosing a ride or buying a travel ticket, and offer time vouchers of your region. In this way, cross-regional networking and compatibility is ensured, while at the same time each individual Minuto voucher tends to the region of origin, thus strengthening it. 
 + 
 +  * **Decline** 
 + 
 +==== Can a voucher redeemed by the issuer be used a 2nd time? ==== 
 + 
 +If the voucher is valid for more than 3 years, the issuer can use the voucher repeatedly. As soon as the validity period is shorter than 3 years, the issuer destroys the voucher after redemption. Due to this rule, participants of the network practically never receive vouchers that are about to expire.
    
 ==== Are the guarantors generally obligated to redeem the Minutos? ==== ==== Are the guarantors generally obligated to redeem the Minutos? ====
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 No. Guaranteeing a voucher means having to provide an equivalent service if the issuer and his legal successors (heirs) are unable to provide a service, for example in the event of: Inability to work or earn, "address unknown" or death. The stamp imprint of the guarantor is at the same time also advertising for the offers of the guarantor as well as an expression of social networking and solidarity. No. Guaranteeing a voucher means having to provide an equivalent service if the issuer and his legal successors (heirs) are unable to provide a service, for example in the event of: Inability to work or earn, "address unknown" or death. The stamp imprint of the guarantor is at the same time also advertising for the offers of the guarantor as well as an expression of social networking and solidarity.
  
 +----
  
 +===== CRITIQUE =====
 +
 +==== What about elderly or disabled people who can't perform or issue Minutos? ====
 +
 +When new ideas are introduced, people often unconsciously want a general solution to all our social problems. Minuto is basically just a means of payment with almost ideal properties that ensures that goods and services can be exchanged fairly and efficiently. How people in need of help are dealt with is basically a different topic.
 +
 +However, one thing can already be said, since very many of our social problems result from the monopoly position of the current money, in a world with many different means of payment, e.g. like Minuto, many of our problems would not occur at all or they would be less pronounced. Thus, it would be much easier to help people in need, because we would live in more prosperity and would have much more time to help others.
 +
 +
 +\\
 Source: [[https://www.minutocash.org|www.minutocash.org]] (partly altered) Source: [[https://www.minutocash.org|www.minutocash.org]] (partly altered)
 +
 +===== Questions? =====
 +
 +See our [[en:faq|frequently asked questions]] or post a [[en:discussion|comment]].
en/faq.1653693877.txt.gz · Last modified: 2022/05/28 01:24 by david

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