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en:introduction [2022/05/27 23:35] david |
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- | ~~DISCUSSION~~ | ||
====== Introduction ====== | ====== Introduction ====== | ||
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===== Minuto – A time voucher ===== | ===== Minuto – A time voucher ===== | ||
- | [{{ : | + | The basic idea behind Minuto is that people issue each other vouchers for their time (qualitative working time). To start, a group of people get together to make these Minuto vouchers. There is a [[minuto-vouchers|template]] for the vouchers to print out. Everybody who wants to create his own Minuto vouchers needs besides the template, a pen to sign, his own stamp, as well as a female and male guarantor, who confirm his own vouchers again with stamp and signature.\\ |
- | The basic idea behind Minuto is that people issue each other vouchers for their time (qualitative working time). To start, a group of people get together to make these Minuto vouchers. There is a [[templates|template]] for the vouchers to print out. Everybody who wants to create his own Minuto vouchers needs besides the template, a pen to sign, his own stamp, as well as a female and male guarantor, who confirm his own vouchers again with stamp and signature.\\ | + | |
These finished Minuto one can use then similarly like cash for the payment. The person who has accepted the Minuto can spend them everywhere where Minuto are accepted, until they go back to the creator of the vouchers (voucher creator).\ | These finished Minuto one can use then similarly like cash for the payment. The person who has accepted the Minuto can spend them everywhere where Minuto are accepted, until they go back to the creator of the vouchers (voucher creator).\ | ||
To support the idea, not everyone needs to create new minuto, it is enough to accept them and use them for payment. | To support the idea, not everyone needs to create new minuto, it is enough to accept them and use them for payment. | ||
+ | [[en: | ||
- | ===== How to issue Minuto correctly? | + | ===== How to start ===== |
- | [{{ : | + | In order to get familiar with the concept |
- | Of course, | + | |
- | **Nominal value:** | + | Read more on how to [[en:issuance|issue]], |
- | Field (1) shows the value in minutes of qualitative performance of human working time.\\ | + | |
- | **Validity: | ||
- | In field (2) one enters the last year of validity of the voucher. New minuto are valid for 5 years. (E.g. Minuto from 2020 are valid until 2025. (current year + 5)). Important: Own Minuto, which are valid less than 3 years, may not be spent and must be destroyed. Only minuto from others may then still be passed on until they come to their creator, who then may not spend them again and destroys them himself.\\ | ||
- | **Region: | + | ===== Questions? ===== |
- | To quickly identify where the minuto comes from, enter the region (zip code recommended) where the voucher creator comes from in field (3).\\ | + | |
- | **Voucher creator:** | + | See our [[en:faq|frequently asked questions]] or post a [[en:discussion|comment]]. |
- | The person who gives out the voucher stamps and confirms with date and signature in field (4).\\ | + | |
- | + | ||
- | **Guarantor: | + | |
- | One female and one male guarantor stamps and signs with date and signature under (5) and (6) respectively. | + | |
- | + | ||
- | + | ||
- | ===== What do I need to know if I want to accept Minuto? ===== | + | |
- | + | ||
- | You have to decide from which regions you accept Minuto. In their region of origin, they can be spent best. The further away, the more difficult.\\ | + | |
- | + | ||
- | Furthermore, | + | |
- | + | ||
- | If valid Minuto vouchers still appear to be untrustworthy, | + | |
- | + | ||
- | ==== 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 ==== | + | |
- | + | ||
- | 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€.\\ | + | |
- | + | ||
- | 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. | + | |
- | + | ||
- | ==== Where do I find offers? ==== | + | |
- | + | ||
- | Minuto is a decentralized and self-responsible concept, so you should actively network locally even without the Internet. Of course, modern means of communication can also be used. A central possibility for offers and requests is currently located at: www.minuto-regional.de | + | |
- | + | ||
- | ===== 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. | + | |
- | + | ||
- | ==== Use of Minuto ==== | + | |
- | + | ||
- | If you have valid Minuto coupons, using them is very easy. You just need to know what valid Minuto looks like and then use it just like cash. The only difference is that this cash is only accepted in certain places or only in the region and that they have a certain conversion rate for business use. | + | |
- | + | ||
- | ==== Minuto creation ==== | + | |
- | + | ||
- | Most questions arise at the beginning when new Minuto vouchers are created, but this is also due to our education system, as we do not learn at school how money is created (money creation) and disappears again.\\ | + | |
- | + | ||
- | Because exactly these questions arise when Minuto are created and this process often causes confusion. For example, if we were to know that when we take out a loan, new money is created out of nothing and disappears again when we pay back the loan, then this process would be nothing special for most people.\\ | + | |
- | + | ||
- | With Minuto, the two guarantors take over the function of a bank, because with the signature and stamp the guarantors confirm that the publisher/ | + | |
- | + | ||
- | With a normal loan, the bank wants to have additional collateral, the creditworthiness must be determined, etc. and even very high fees are charged for this in the form of interest and this process is much more elaborate and complicated than the creation of Minuto vouchers. | + |