Percentage As You Earn   (%PAYE)

Finance and Finansurance of Human Investments (HI)

  Hans Sennholz, Austrian School Economist 
(the first PhD of Ludwig von Mises’ students in America)
Dept. Chair, Grove City College, PA 1956-1992
President of the Foundation for Economic Education 1992-1997

Comments to Daniel Brake “Brock” d’Avignon in 1976-77:
“Braké, you are doing the first good work in Practical Praxeology.” “This is more than interesting, it is vital for the future of freedom!”
“Braké, you focus on it, and tell the world about it when you are ready.”

  Brock’s recollection of an evening of conversation with Austrian Economist Dr. Hans Sennholz, and later influence:

Dr. Sennholz was invited to speak at Brigham Young University (BYU) in 1976-77 likely by Clayne Pope & Larry Wimmer, two of the Economics faculty supporters of the Society for Individual Liberty SIL at BYU, and or Dallin Oaks*, President of BYU.   I was invited by Cloyd Bird, Rocky Mountain Coordinator for the American Economic Foundation (AEF) to meet Dr. Sennholz with other students in the evening after his speaking engagements, to discuss with him my research in Percentage As You Earn (%PAYE) Finance & Finansurance and my recent discussion and action planning  with Dr. Milton Friedman. I shared an interest in practical new moral creative applications of Austrian economics for freedom, for the sake of freedom; yet in an empirical Chicago School sort of way, plus historical research where it seemed no one had ever looked in American Economic History. Cloyd had encouraged me to initiate a conversation with Dr. Sennholz, as he would listen to us kids after a long day.

I introduced myself with my nickname Brock from my middle name from my mother’s Germanic maiden name “Brake” of which there are 23 place names pronounced “Braka” where a choice of two routes, two hills, or two rivers occurs. A castle in Lemgo, and a city named Brake near Bremerhaven at an island brake where the big river breaks in two directions around it. This put him at ease. He seemed to be aware I was invited to inform him of my research. I briefly explained my probes into early American colonial immigration income-contingent finance of redemptioners of debt that outcompeted indentured servitude & slavery, then privateers, mountainmen, and horse n’ buggy country doctors all dealing with the reality of folks with erratic incomes. Upon hearing my framework of thought goals for modern applications, in his slight German accent, Dr. Sennholz punned, “You are doing the first good work in Practical Praxeology.” Then seriously said, “It does not surprise me that here at BYU is where we are making discoveries and rediscoveries in ways of helping people in freedom!** This PAYE finansurance is more than interesting, it is vital for the future of freedom.”

When he said it, I thought of my friend Larry Samuels who was creating the Future of Freedom Conferences. I recall the “we” included in the room Cloyd & Sharon Bird, Cleon Skousen came in and out as did some of the 9 BYU Professors conscious of being libertarians, none of the 125 SIL students in the new left/right individual & economic freedom fusion movement at BYU were there but me, and some Economics students. The adults let the more than a dozen students have the carpet around Dr. Sennholz’ armchair, and stayed on the periphery.

I launched into explaining the Duke & Yale Tuition Postponement Option (TPO) was sort of a debt instrument for rePAYEment, but a college education was not considered such as a hard repossessible debt  for an intangible asset gained. Pragmatically, it made no fiscal sense in trying to get money out of young people for a service that is supposed to have them earn more later, when they don’t have the money themselves, they can only work part-time and at minor tasks. Therefore an income-contingent long-term contract with a capital supplier in Human investments (HI) is more logical as a barometer of value for learning both pure inquiry science and applied knowledge.

I quoted Vernon Jordan, African-American President of the Urban League, who I expected to be sensitive to criticism, not over concerns of chattel property commitment, but that young people are being asked to PAYE unknown dollar amounts each year. It was self-evident the erratic amount would be directly related to the collegiate education they received; and therefore not a heavy burden when unemployed. There  was a way to attract capital to young people as Human Investments, as President Kennedy’s Republican Chair of his Economic Advisors had written such investments what they were: human capital investments, not debt per se; and there was no need for tax money to be labeled an investment to confuse the free-market that can be called upon to organize for such. Thus, Jordan simply said about the TPO’s flexibility in 1970, “ I like this because Mom and Pop don’t have the money.” To which Bob Poole (Editor of Reason Magazine) added in the first article I had ever read about PAYE in 1972, “The taxpayers who don’t either.”

Jordan, like Dr. Martin Luther King, Jr. was suspicious of LBJ’s Great Society turning minorities into dole subsidized wards of the state as an urban version of plantation slaves. Thus, the merit and achievement TPO’s future orientation makes a service rendered in the past to assist income, a rePAYEment timeframe on a literal futures’ contract, but not on past needs analysis and begging politically. I mentioned a BYU Professor of Statistics, Dr. Johnson, had favored academic and career self-selection in America, versus that of Europe with aptitude tests, as more income beneficial to the chooser, for the simple reason they know themselves best. He thought I should know that in my international Human Investments logic, when marketing education. I explained how the left/right coalition between Milton Friedman and Democratic Governor Terry Sanford, then president of Duke occurred, and bounced up to Yale Colleges.

Cloyd Bird mentioned to Sennholz that I had pioneered by 1973 with my Dad, van transportation for the blind, wheelchair handicapped, and elderly; and that was my first foray into econometrics as I charged riders as the crow flies, delivering people not in the order they got on board, instead of wasteful convoluted routes in sequence. Dr. Sennholz laughed, saying, “As a pilot, I can appreciate that.”

I was still making my mind up about Sennholz, I knew he flew for the Luftwaffe in WWII, earning an Iron Cross over France, Norway, and Russia, and was shot down and captured by Americans in 1942 in North Africa and was a POW in Arkansas. I concluded that Dr. S had liked capitalism and country doctor medical care in America, versus national socialism. (I learned later in 1986, my Grand Aunt Naomi Collins was a horse n’ buggy nurse with a doctor in Jonesboro, Arkansas, where Sennholz was interned. The government paid for prisoners’ care, but everyone else in the area PAYEd a percentage of their income to their circuit-riding doctor, little or a lot of cash or produce depending on the harvest seasons or employment. A lost journal of his turned up in 1988 and was published, I’ll have to see what he learned then.)

I explained my thinking on incentives for modern preventative and curative medical care being PAYEd for as prior PAYEment, current PAYEment, and rePAYEment for what people need and want. I had explained I had coined the term finansurance to explain to Milton Friedman my expression for financing risks. Dr. Sennholz asked, “What other uses of PAYE finansurance are you thinking of?”.

I had recently written the CEO of Snelling & Snelling, the nation’s largest private employment agency, working with a local S&S employment agency franchisee to make my proposal. I met him after a job selling Yellow Page ads ended for the season well from my reversing the size of the ads in presentations from little to big, to big to little, buyers stopping on a decision for a bigger ad. He found that amusing.

Regarding re-employment agencies, President Jimmy Carter had campaigned on using a Nixonian new federalism to send federal dollars to enhance 50 states’ Job Departments, if they each used a percentage-of-income tax. I forecast Carter would wipe out the private agencies and their gouging fixed concentrated fees. At that time, the latter were asking for full payment fixed fees from the first one or two paychecks of a client, heartlessly after they had backlogged bills for months. Landlords waiting longer having to take a back seat, might support such, not that they were given much choice of another tidal wave of cash to state governments. The costs of private agencies were they had to maintain constant contact with employers to have listing ready for a newly dis-employed person. They maintained info on for months to have job info available for a client: $300 of time & effort for a dishwasher job, to $10,000 for an executive job.  I declared, “The private agencies won’t survive a year, unless they adopted lower cost impact and flexibility of PAYE, and to create a constant retainer relationship PAYEd over time.”*** Places like Utah with the LDS Welfare/Workfare system with Deseret Industries services for the handicapped sheltered or companion workshops, to Catholic Relief Services job training in the Caribbean, would do fine without being too effected by taxpaid job services in a government tax cycle made more palatable in cost impact by a percentage flat tax to everyone to pay administrators.

I fell silent so that Dr. Sennholz could defer to other students to talk to them about inflation, a gold standard, and other fancy stuff; but they had said they wanted him to continue his discussion with me. I did not know any of them. I had mentioned to Dr. Sennholz the only thing I ever liked Nixon doing was in 1971 when he floated the inflated more worthless FRN to its real price against gold, instead of its previous fiat edict $35 an ounce by FDR. This surprised him. I said my generation should know what we were up against in phony calculations by prior generations. He laughed. I continued, in 1972, Nixon also made a $1B subsidy for wheat, dairy, & cattle interests that handed him a $500k contribution to his CREP.  I witnessed those meetings being gone into, as ex-Democrat Governor John Connolly came into the SoCal GOP HQ as bagman carrying these contributions to Nixon, Ehrlichman, and Haldeman there. We young campaign managers made fun of their “new federalism” action and sabotaged its million bumpersticker promotion (a funny story I’d relate later). I had learned firsthand how subsidies created inflation too, as I watched those food prices go up as a teenager. I watched Nixon’s federal funds in 1973 to “transit districts” annihilate 13 private bus companies in my Orange County. Prices artificially down for a time, until the taxpayer spigot got exhausted and turned off, then prices went up to cover all those new usually empty buses 4x what they were before. Only the Pink Bus Line on Beach Boulevard survived because its beat up buses carried sandy surfers and bicyclists, that the government bus lines didn’t want to carry. I wasn’t a fan of subsidies pretending to solve anything as an unsustainable one way waste; I preferred individual or family responsible agreements with a return to those that helped them directly, not through a row of bureaucrats or administrators who ended up with the lion’s share of the so-called largess.

By age 22, it was no surprise to me that subsidies of tuition, and taxpayer guarantees on the always ticking 90-day fuses of tuition-debt contracts; both encouraged colleges to raise their prices so out of touch of the real price of a college education, were making students think twice about college, and their debt would be owned by government. Young people today in 2019 have even caught on to the on-going subsidy price-rise scam. Some stupidly want a jubilee, not based on fraud chilling original lenders to ever lend again unless forced to by their dark lights; but they think now they are entitled to other’s income and or their future as a socialist taxpayer who will pay for it later by  fixed amounts or semi-income contingency based on a tax table. The desire for a flexible method and lower cost impact when unemployed or traveling or being pregnant, is still there; yet because higher education is more essential than in 1944 when 47% of the jobs could be done with an 8th grade education, and now only 4% can.

With so many such “programs” the dollar’s once  real value kept being devalued from its fiat level and its real level, it became a target of more self-destructive spendthrift Congresses compromising to pass each other’s welfare or warfare state spending on inflation policy. Where politicians could get away with 6-months of unseen inflation before computers, everyone knows about it in a day. In 2019, politicians have just got into taking over 92% of mortgages, 65% of medicine, 95% of higher education, and 40% of vehicle & farm tool credit. In 1976, I favored a basket of precious metals, commodities, or Human Investments contracts asset-backing a real dollar issued in competitive currencies privately issued. That way, neither deflation helping lenders, nor inflation to help borrowers, would hold sway. Today, crypto-currency could likely achieve that real value with many checks & balances the modern marketplace and exchange-places offer. One such check is income-contingent agreements ending the usefulness of trying to fool people with more or less money in circulation, even if its all photons and electrons being traded. Who guarantees what is important. People can finance risk together in small groups and most affordably by charging a percentage-of-income.

When Dr. Sennholz found that I was not an Economics or Business student per se, but an Organizational Communications & TV Production undergrad, he told me, “Braké, you focus on it, and tell the world about it when you are ready.”

Although I never had any further personal interaction with Hans Sennholz than his encouragement, I did keep track of his books and articles as challenges to dilution of the money supply, that he wrote against in favor of a gold standard. He also was a bit of a theologian. I have not expected economists to be business people to join me in implementing %PAYE charging systems; yet more than what they did for an idea they said they favored, on their own initiative would have been useful to advance it. I also did not maintain beneficial contacts as I should, and that somewhat slowed my progress researching and inventing so many applications, to say I am ready now is better late than never. The same battles are waged by collectivists using force, and those of us who can pull the rug out from under them, or convert them in any true motives of goodwill to assisting people as their priority over ordering everyone about, now have a good method to to adopt and advance.

Thinking of Sennholz’s influence on me, and because %PAYE charging method is immune to inflation, I challenged the American Accounting Standards Board in 1978-79 about having Annual Reports adjusted for the ~17% annual inflation then extant under Carter, because all the figures were off by far more pennies per sales dollar, than the few pennies paid stockholders for providing tools. How could they decide if a company was healthy or not? They couldn’t. Investment would stagnate. It did. Using required tax K-forms is certainly no way to explain the health of a company, nor its need for more tools.

Thus, I realized early on by 1976, that %PAYE finance experiments their 16th year in higher education, were performing better for Duke & Yale’s interest on the loan and insurance, than the Rigid Installment Payment (RIP) of $25/year requested minimally to cover the principal -- if no income was “reported as a zero PAYEment”. Over 30 years, the $25 principal amounts devolved into only a third of face value, while full value intended was being received by Duke & Yale for interest and insurance on the loan. Partially income-contingent tepid adoption of the %PAYE charging method, a dual expense of two different kinds of accounting besides being wasteful, the intent of the installment payments would not meet their recovery or keeping-in-contact goal, unless COLA adjusted annually for billing, another administrative expense that would eat up lender’s profit when they just expected graduates to send in $25 plus their percentage-of-income for the quarter or year.  

Hans Sennholz later became the President of the Foundation for Economic Education (FEE) in 1992, but my life’s course in media and fatherhood did not take me to meet him again. I regret that I should have made it happen. The FEE’s The Freeman like a reader’s digest, was an influence on me as a boy. In 1977, BYU’s Research Division Director, Win Petersen, handed me a copy of an FEE Freeman article about coin-vending units on industrial machines in 1961, that enabled entrepreneurial cooperatives to buy out a hand-tool making factory. That employee stock buyout was similar in uses to goals for a device by a local electronics inventor in Provo. Win Petersen thought the fusion of %PAY finance of purchases of others’ tools would bring productivity rises from the same workers as employees, compared to their 8x greater performance as business owners and involving family as part of it. I thought Hans Sennholz might be interested in real value rises with data measurement. I sent the article and inventor’s info to him at Grove City College but did not hear back. I helped the inventor sell his time accounting device to a friend who started Lektronics Systems, while I bought his Digi-Dial Adaptor rights for dial-style shortwave radios and sold them across the free world for a couple years to support my research nationwide into %PAYE charging methods past and future.

In 1980,  I met with FEE’s founder Leonard Read who not only encouraged me, but thought my %PAYE Comprehealth Care prospectus was as significant as another young author he had helped, named Ayn Rand with her Anthem that explained why there would be a future dark ages better than 1984, Fahrenheit 451, or Animal Farm. He thought I could prevent that dismal future. I mentioned I had the concept of %PAYE medical finansurance catching on worldwide in 1972 with handicapped folks; but it was talking with Hans Sennholz in 1976-77 that motivated me to focus on it. Mr. Read opened up with Bettina Greaves their medical contact files of the new Libertarian Health Association, 155 members to contact for some action. Its leader, Dallas Cooley, MD, promoted Comprehealth to the Kochs getting on a plane to hand deliver it immediately, yet got stuck for days at Chicago O’Hare among 35’ snowdrifts; however Charles Koch left Wichita and decided to go skiing instead in Canada only reachable by shortwave. He wasn’t reachable and had signed on with Blue Cross before he left. (I concluded from other significant interactions over solutions proposals with them, they are not really interested in freedom, or successful media with a dead hand at the switch, just corporate advancement via politics, and a narrow band of that without much real principle in accepting liability, nor vision.)     
In 1986, again at FEE’s HQ, I had a wonderful discussion with the FEE’s new President and Congregational Church Rev. Opitz who also knew Hans Sennholz. It was on how caring people as atheists or faithful sorts could unwisely chose voluntary consecration communalism as compared to stateless capitalism’s interdependence and checks & balances.  Opitz thought I had internalized so many reference points and pragmatic methods of Human Investment among  those interested worldwide in eternal freedom, achievement of scientific immortality, and free agency, rejection of Original Sin among various cultures, as pertaining to the value and quality of life that could be created here and across the Solar System; that he asked me what I thought of a speaker at a conference I must have been at in 1953 that Sennholz thought a lot of. Grinning, I had to remind him I was only born in 1954. Opitz encouraged me to keep pursuing likely customers for %PAYE charging methods, and put the thought back in my head like Sennholz to ramp up the media for it myself. By 1992, I started the PhoneVoter TV Network beginning to handle audience opinion participation with all 64 presidential candidates, worked with 4 and elected one dark horse, and other panelist and telepoll forums.

I handed my business card in 2018 to the current President Reed of FEE at Freedomfest to do a more modern connectivity version of such interactive TV networks. There is a lot of wisdom out there, as talk show host Phil Donohue used to say, and it best responds to trying to do something. I have a dozen of the finest distributors offering 2/3rd off 1-way communication to entice producers to do 2-way networks and shows. Ready, set, go in 2019.   

I have pursued understanding  38 fields of endeavor that %PAYE Personal income improvement investments (Piii) would be vitally important to people and the future of freedom. The array of them are at and I recommend viewing every menu item. Hans Sennholz heightened my awareness of the value of shared risk between seller/lender/service provider AND buyer/borrower/client in times of either deflation or inflation, keeping the peace. When one group constantly is driven to be predatory by statutory means and a fanatical adherence to RIP-off charging methods, a revolution will happen after disappointment for hope sets in. Our middle class is vanishing, and polarization is extreme. There is a libertarian way, instead of a totalitarian authoritarian way to solve this seeming dilemma. Some once lived it on both sides of that equation and both sides of the Atlantic, Hans Sennholz was one of those and became an early great advocate of liberty. It was enough he made me think of how its not enough to defeat tyranny, but to think for freedom, and do something about both.
Brock d’Avignon
[email protected]
Presider, Percentage As You Earn (%PAYE) Financiers & Finansurers
Executive Producer, Freedom interactive Television Networks Association (FiTNA) 

Footnotes and historical background intersecting from the above influence of Hans Sennholz on me:

* Dallin Oaks, as President of BYU, during a BYU Student Development Association meeting in 1976 asked what was to be done as he lamented the fate of universities’ academic freedom from religious support purse-strings and taxpaid support with bureaucratic regulations. I, Brock d’Avignon was active in getting grants of equipment from those I hosted such as the IBM Space & Shuttle Systems presidents like $10M “Dremel” tools for the BYU CADAM Design Technology program; or & alliances with Mortimer Adler to translate The Great Books and computerize the Encyclopaedia Britannica. In 1976 -77, BYU was refusing to sign US Health, Education & Welfare (HEW) Department Form 639 as an assurance of no discrimination against women in Title IX . The fed’s case was these private universities accepted public money via students indirectly as federal loans or student loan federal guarantees, which should allow more bureaucratic interference, such as mandating co-ed dorms. These colleges, typically religious, already were not accepting federal funds, and had a 50/50 enrollment ratio, so their opposition was based on theosophical or philosophical principles. Oaks’ BYU and Hans Sennholz’ Grove City College refused all government aid, and would refuse it via loans if pushed to do so. However, BYU offered in 1976 to all LDS students a 2/3rds portion of tuition paid on the basis that they and their parents were tithe payers (one-third of LDS are); half of tuition is paid for non-LDS students and foreign students by the LDS Church in the name of goodwill to about 5% of enrollment. The revenue cycle, like a non-contractual government revenue cycle, has some problems with reallocation of funds. A $200M investment in a BYU class, nets about $2B in rePAYEment to the LDS Church, but the Church only reinvests $200M plus some infrastructure improvements, and keeps the rest. Seems like a good ROI, except for the fact that tuition rePAYEment gets confused with tithing for purposes that are not supposed to have anything to do with college tuition investments in people. 

** In fall of 1976, Brock informed Dallin Oaks of the Duke & Yale %PAYE financed Tuition Postponement Options (TPO)s’ precedents and numbers, and Oaks immediately saw how contractual %PAYE TPOs were analogous to later tithe paying, but different in purposes. He did see the paramount value of academic freedom in addition to equal access to higher education. He was visibly relieved there was an answer to his civilization man’s concern. Big Dallin said, “Brock, thank you, this Tuition Postponement Option sounds wonderful, I encourage you to keep finding out more, and let me know when you do.” 

Oaks protected the fast-growing SIL at BYU from mostly conservative and minor liberal administration opponents, using the ruse to stop students going after research funding themselves for libertarian alternatives to schizophrenic inconsistent freedom and force mixes of right & left. Oaks agreed with Win Petersen, BYU’s Research & Development Director, and celestial navigation physicist, willing to go up against them as a libertarian reader of The Freeman by the FEE. He thought de-centralizing and training everyone to seek funding was a great idea; since neither he nor his division was any fountain of money. It took courage for him to say to me as a student, he would go up against the well-connected and behavior-control fanatic Dean of Student Life, Lillywhite, “Okay, I’m in, I will champion you to President Oaks, I didn’t need my career anyway.” -- Oaks reinstated the SIL at BYU, and told Lillywhite if he ever used his office to threaten us with petty trumped up charges again, on research or our posters that held newsletters about research and lectures, it would be he who is hitting the road and off campus. Other faculty kept an eye on Lillywhite, negating some of his sneakier efforts. I was pleasantly astonished. I sent President Oaks thanks as a subscription to Reason Magazine on the assumption he was an inquiry oriented libertarian. He wrote back thanks, and never denied it.

LDS have a unanimous voting principle from the early days of the Church (from English Puritan, Congregationalist & Transcendentalist New England, and Scandanavia) and that after issues are dissented to and resolved in discussion there is a vote, then a unanimous vote. Systems for listening to dissent and problems in these methods needs to be re-enshrined with reasons and prayed about if desired, especially better than Robert’s Rules of Order where a sole individual can believe they are right and everyone else is wrong, have their say, and then have the option of voting against, and then unanimously or still as a minority-of-one, still being overruled by a majority. These principles have fallen into disrepair in skipping to top down orders and expecting a unanimous vote. That is not happening well for decision-making among the LDS.

This year’s disaster is having bishops doing temple interviews on sexual abstinence which for above 18-year olds is intrusively bad enough, but when lowering the age to 12 for temple participation, they didn’t listen to people about inappropriate immorality being discussed with those too young.  That is a current PR debacle.

Another looming among LDS young people and parents are those who will question why inequities in paying tithing weren’t resolved, and long ago, as top leadership declined to interfere in Church Educational System procedures. Question everything. Listen to everyone systematically, then ask for unanimity. Likely they’ll get it but with goodwill and a vast majority, instead of ill will, and people reducing or stopping tithe paying in protest.

Similarly, listening to Navajos or Mexican LDS that pay more fast offerings than Norte Americanos, yet the Welfare/Workfare system hasn’t been expanded there despite 4 decades of requests and willingness. Excommunicating seventies and stake presidents who get irritated with such policies, is not a way to win friends or influence people; while arrogantly telling them that such good fiscal systems in Human Investments will tempt people to be active so long as there is material gain, but won’t have such a temptation for Anglos. An alternative, consider privatizing the Welfare/Workfare System that has both monetary and labor capital donated and participating; just as privatization of government enterprises is viable with %PAYE finansurance cohorts of 10,000 people or more mutually improving each other when times get rough. In 1980, Ronald Reagan kept a promise to my mother, and went to SLC to learn about the Welfare /Workfare System on Welfare Square from the fellow who built it starting in 1936. The builder asked my help to research J. Rueben Clark’s opinions on stopping socialism, ending a dole quoting FDR of all people, and coach him on what he already knew to tell the President the principles and volunteer time and farms, dairies, and canneries involved. The fellow had poured in one pour the silos on Welfare Square in in 1936. Reagan got irritated at reporters that wouldn’t let him learn, chewed them out he wanted to be a student, and expected them to learn too and write some better articles about welfare reform. Sennholz had been curious too about what he saw. I think Cloyd Bird or Cleon Skousen as business neighbors clued him in who seemed to be hosting the evening at one of their homes. I realized I should be able to explain in secular terms why the system worked, and this caused some consternation to people not used to examining what good they are doing thoughtlessly.

Later, my research by 1979 about the 77% overlap of LDS students’ tithing and rePAYEment of tuition, was in contrast to ROI results of other LDS college students and graduates elsewhere. USC students/graduates pay private tuition plus tithing in capitalism from banks; and UCLA students/graduates pay taxes plus tithing in an Education Soviet – neither with any ethical, theosophical, or fiscal confusion with their church obligation. I so informed Jeffrey Holland, the succeeding president of BYU. When I recalled both former BYU presidents’ attention to this again a decade ago, they delegated to the LDS Church Educational System (CES) president the problem. Not looked at as an ethical nor inequity problem, it has not been resolved in the Church. Merrill Bateman, a 3rd BYU President might understand, who understands Human Investments and better deals from his experiences in Ghana with cocoa bean growers and sellers, negotiating on their behalf with Mars Candy.  Sometimes it is expressed that BYU creates a cadre of LDS leadership unlike any other; yet that is really no different culturally than LDS students with an LDS Institute of Religion building for classes and social interaction staying true to their beliefs in college. These are next to most private and state campuses where a dozen or more LDS students attend and learn to live their religion and have friends who have the same idea of fun.

The LDS leadership has changed many policies away from a Rocky Mountain-based culture to a global equanimity in its policies as a worldwide church. This one needs to be resolved in separating out main mission tithing funds from  Human investments in Education (HI-ED). The LDS Church does not want to create a mercenary membership because of Human Investments in their Welfare/Workfare System based on free will donated fast offering capital to build a 600 farm system to assist the working poor and handicapped on a basis of meeting wants, not merely needs. It wants spiritual converts; not collegiate expenses converts either. Hans Sennholz saw that as a visitor in a few days.

I will try again see if former BYU Presidents, now Apostles on the LDS Church’s Quorum of the 12 Apostles, will do more than punt to the CES again that clearly cannot see its way to clear an old worn out assumption with or without accountants. Years ago, when the change in priesthood ordination offered to black people was effected, Bruce McConkie, a writer Apostle went around saying it was a revelation. When President of the Church Spencer Kimball had a TV news microphone placed under his chin and that told him, he said, “Well, it was a little more matter of fact than that, we talked and made a decision, it was unanimous.” They made an honorable decision 150 years too late, after listening to people; but they made it because of the will of a leader to find a consensus to find a way out of a seeming dilemma. It just took empathy, listening, discussion, and acting, and optionally praying about something specific, and what is moral.

Dallin Oaks has led his life thus far, now at age 85, as a man still full of integrity. This past year, I have seen him act beyond willing, to challenge corruption in business, and act personally as a champion of both freedom and responsibility, to save millions of lives. If anyone can get income-contingent reform done, he can, and Jeffrey Holland should help with an enthusiastic smile. I always thought of the etymology definition of enthusiasm “God Within” when I saw his delight at hearing about %PAYE finance on a long sidewalk at BYU. Its long overdue to act on this. They should know better, especially from a friendly. I speak for myself as well to lead to enable making it possible for all students everywhere to have access to college and cover its expenses with the results of what they learn for a career. Mostly how to think into the unknown, not what to think.   

I had mentioned in the course of conversation with Professor Sennholz that part of my mother’s teachings predated my teenage philosophy for creative Volitional Science mentored by Publisher CH Hoiles, Lecturer Jay Snelson on Physicist AJ Galambos, and Polemicist Philosopher Robert LeFevre --  was the 10 commandments, and understanding the Pilgrims abandoning communalism as a Congregationalist at the Pilgrim School founded by Dr James Fifield, and also a new building funded by the Seaver couple for creating freedom’s answer to so many dictators of the mid-20th century. They went on to endow Pepperdine University’s facilities. In 1983, N. Eldon Tanner, oilman and LDS Counselor in the LDS First Presidency, also did that and was willing to have the name of the Tanner Building he was donating at BYU read over its doors at my suggestion “Volitional Science & Business College”. However, AJ Galambos did not want to release his “intellectual property” identified as the term Volitional Science at the time. Tanner could have called it Volitional Action but felt he would be coveting what someone else had. I did not know this in 1976, but Hans Sennholz also frequently referred to the 10 Commandments in his classes as a basis for explaining free-market economics and or heaven’s endorsement of property, as in: property is accepted by a Hebrew God as in not coveting property, not killing or forcing people from their property as proper morality, not bearing false witness stealing people’s reputation, et al. Dr. Sennholz seemed to be attuned to what I was saying, as Cloyd Bird had encouraged me to inform him of what I was researching and creating. It took a while.

Today’s jokes about Moses being the first to download a message from the cloud, or the first to get a laser printed message, seem so modern in reference points to 1976 when Evans & Sutherland, the first computer graphics company got started in Salt Lake City. Little known was the forecast at Duke & Yale that Art students wouldn’t make much money. Computer graphics changed their conservative assumptions charging for 30 to 35 years into being more profitable than the surgeons they charged for 15 years post-graduation. Women who were forecast in the 1970 Duke & Yale FORTRAN programs to be only 10% of the workforce, that error also caused a pile of profitable fortune to be made from error prone misogynistic fortune-telling. Working women, as nearly half the workers, have also made progress in income parity and time on workaday tasks along with children. Sennholz on Johnson’s career self-selection with statistics, yielded the point that Human Investments can provide some statistics to make assumptions, but that is all they are, the chooser of their life is the most self-interested party and will negotiate terms for investment and demand the quality tools that one gets to train upon for their future. The colleges that invest in tools from the investments in enrollees, will have more enrollees. He understood both supply and demand curves intersecting at best choices for signing Education-Development Underwriting Contracts (EDUC)s as consumers and providers of fine education.       

Sennholz’ Grove City College and BYU and a handful of other colleges in 1976-77 took their “not accepting tax money directly” case to the US Supreme Court and won. Oaks is a lawyer, who went on the Utah Supreme Court, and considered for the US Supreme Court but chose to accept being an Apostle. These refusnik colleges were also willing to refuse federal loans, Pell grants, and federally guaranteed loans. The religion-owned and capitalized colleges were particularly better positioned to do that than private ones, both only comprising 5% of higher education. However, the LDS leadership had not clearly thought out what type of funds to capitalize Piii with, as Duke did internally with budget from prior tuition and donations. If today, LDS Church funds are to be used, they can be rePAYEd separately than tithing, or better yet, create an endowment fund from voluntary alumni investors in LDS student’s majors, which are not Sunday Schools but merely used as such one day per week. %PAYE finance contracts for college expenses or a College Expenses Postponement Option (CEPO) will keep the school’s books and the church’s books honest. Never the twain shall meet, no matter how conflated some might think the mission of BYU is with God’s will anymore than an LDS student at the University of Mexico City does. A CEPO will include medical care and housing. The rest of the world will extrapolate from there.   
Sennholz encouragement, and that of Oaks, caused me to act within the decade to effect capitalist and public policy on medical care for all in the free-market. See on my scanned 1979 typewriter dedication to Dallin Oaks of my then proposed doctoral dissertation, along with its placement before using my typewritten Case Studies and Historical Probes in the 1979 CompreHealth Care Corporation (CCC) prospectus to William E. Simon, Sr., (former Secretary of the Treasury and then actuary for Booz Allen & Hamilton Management Consultants to 11 medical empires in those days, with James Reynolds).

The CompreHealth prospectus was also later rejected by Hillary Clinton and Carol Rasco in January of 1993 from the West Wing of the White House, from where Hillary wanted to be single payer fuehrer of medical care with her 396 consultants in her Medical Care Reform Task Force to coincidentally nationalize it into 396 government agency organizational boxes. When I received their West Wing kiss-off letter, I thought of Hans Sennholz as an ex-Nazi, and Hitlary as a current Nazi economist desiring to nationalize significant industries. A generation later, after setting up a mandated fascist failure for medical insurers and sneaking in the nationalization of student loan processes that no one read before voting on the ACA was ironic. For her to trash in 1993 %PAYE medical finansurance’s charging method, enabling the free-market to handle Human Investments in Medicine Care for All, she had to overrule Bill Clinton who had a Yale TPO loan and proud of it, Vernon Jordan who had endorsed it, and my volunteer courier of it to the president-elect’s Clinton Economic Summit, William Donaldson, then Chair of the NY Stock Exchange. Also see as to why this rejection was further astonishing. Insurance is not finance nor the other way around, but a common charging method could easily merge them.

Today, %PAYE finansurance can and will via TV promote the finance of: 1) a backlog decade or more of unaddressed pre-existing conditions; 2) finance if need be insurances for probabilities; and 3) offer Human Investments in everything from cyber-prosthetics (buying your Ironman Suit for working on a construction site will cost ~3% of income extra, but save you on backpain lifting 200-pound steel I-beams). Supporting a self-interest in genomic permanent longevity research -- in case you’re interested in immortality, making a Heaven on Earth, and then heading out to the asteroids’ wealth to get away from crowded Earth with no one dying – is another unforeseen consequence. Stanford Bio-X Interdisciplinary Program only needs $10M to $100M and 5 to 10 years on task to crack the supergene on ageing and most diseases it represents. If Heaven can wait, then pollution won’t. Another great %PAYE financed emigration to Space will occur. LDS at one time had a Perpetual Immigration Fund. Perhaps they will again.

In 1976-77, encouraged by several economists like Hans Sennholz (See and my friend Kurt Rowley who got a BA degree in Econometrics at BYU, I embarked on addressing the realities of providing medical care to all people successfully conceptually and pragmatically. I have still focused on its usefulness to improve medical and wellness care. I am doing in 2019 as Dr. Sennholz recommended to let the world know about it via interactive satellite TV, streaming, and cable. I’d work with Dallin Oaks in camera, but he’s the strong silent type.

I came  close to having constitutional lawyer and CEO of Anthem Blue Cross, Angela Braly, in 2009 implement %PAYE mutual medical finansurance for 1/9th of America versus mandated Obamacare, but she wanted to have a couple of hospital empires like Humana or Hospital Corporation of America on her side. Unfortunately, as she said, the CEOs were too busy playing with themselves going public, then rebuying stock to go private, in anticipation of all the 48M working poor the government was going to subsidize and cause price rises for (which would do no one any good), in the name of 7M people that needed some Human Investment before they could ever work again. She folded, and was fired by her board; yet they didn’t do anything positive either.

Today, I am fortunate to have gathered finally a team that will launch %PAYE finance & finansurance, and let America know about it coast-to-coast before percentage taxation federal Medicare for All gets anymore momentum. We will lead it ourselves and listen to the audience. The %PAYE charging method is amoral, it can be used for good or evil, freedom or tyranny.

I helped stop Teddy Kennedy’s socialization of medicine in 1980 and his death panel rejection of CAT scans and MRIs pre-surgery. However, negating short-sighted foolish tyranny in the hands of a few decision-makers isn’t enough. The attack of all individuals’ decision-making solutions for themselves in freedom, was not pressed forward by those who could have and should have done so with more grey haired wisdom than I at the time. However, I now have the grey hair, hopefully wisdom, and will abide by Hans Sennholz’ challenge via the Freedom interactive Television Networks Association (FiTNA).
%PAYE Financiers & Finansurers will create a consumer stampede among those that care about people from left & without force of taxation opposed by the right in general favor of some sort of free enterprise. The free market is not an invisible hand waving a magic wand of choices, business people have to organize offering those choices to choose from. A libertarian alternative, as seen on interactive TV, will be the way to say HI to socialists, who will be just left there uselessly holding their tax gun, after the conscious capitalists with a conscience will solve the problem without force for everyone, where each individual can ask questions and contract for what they want and need in freedom of the choice to choose.

Hans Sennholz knew what an Immelmann Turn is. It has few uses for combat, yet sends you off at altitude in the opposite direction; which is desirable when fighting is a no-win situation for anyone. Many organizations could use that turnabout logic today; instead of building a skyscraper of good ideas on a false sandy foundation of forcing others, and watching their stacked sorites illogic fall over with great loss of life and misfortune. Hans Sennholz advocated for figuring out what is right, and doing it without force. Sounds like Volitional Action to me is needed by those who understand that now.   

***(I was correct. By 1980, 80% of private employment agencies died off quickly, grasping the goodwill of the working poor and middle class, except for executive search firms. The model changed to the employer paying the fee in whatever form, and now 85 subscription Internet job matchmaker websites & phoneapps. In 1976, S&S ignored a college kid and shrank considerably. Today, state government agencies or fascist government sponsored enterprises (GSE)s charge about 3.1% of income for unemployment insurance per paycheck, if not employed by the same employer for 3 years; then drops down to 1.1% after 3 years at the same place. Companies like AFLAC have emerged to cover some dis-employment expenses and lost income as insurance; but still foolishly charge by RIP and lose paying customers whenever they get unemployed, receive AFLAC payouts, and then have to administratively re-sign up when income commences again for Rigid Installment Payments. Guess I have a duck to call.)