When we separate the social-service sector of the economy from the business-to-business portion, we find that the huge, multi-billion-dollar businesses have proven themselves incapable of providing the pubic with honest, competent, quality service at a fair price.   One has but to examine the home loan and the related insurance industries to see the fraud, mismanagement and deceptive practices.   These big business  failures open the door to finding new ways to provide the public with, fair, honest, and quality service.    Below are two proposals to do exactly that and, at the same time, fund state governments.  

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Goal One:  

With one easy-to-implement solution:  

1)   To end the usury-level interest rates charged by the credit cared companies and 

2)   To fund state governments.

What Is:   At the present time, we have the two major portions of the economy blended together as one.   Both segments are managed by the multi-billion-dollar corporations with relatively little public oversight, regulation, or transparency.   For the top management of most major corporations, making a profit is their primary and often their only concern.   But it doesn't have to be that way.   

What Can Be:   A viable, workable,  easy-to-implement, alternative solution is to create a network of non-profit foundation that offer alternatives to individuals and small businesses in the public service portion of the economy.  By separating the economy into two segments it's possible and relatively simple to create a new system with much broader concerns -- concerns which include a corporation's employees, it's management, its customers, the environment, and profits.    

The two portions of the economy are:

1)  The public Service Segment:   This is the portion of the economy that directly services the public.   In the financial industry, this includes those organization that presently " service"  small businesses, home owners, students, auto buyers and the like.  In the insurance industry, this includes those organization that provide auto insurance and home owner insurance. 

2)  The Business to Business Segment:   This  portion of the economy includes everything not part of the public service section as defined  in the paragraph above.    This includes the financial institutions that fund major corporate projects, where loans are measured in multi-millions of dollars.   This also includes insurance for large businesses and major corporate projects.   This form of business is commonly called "commerce."

By separating the economy into the two, above-defined segments, it's possible to create  a set of viable, workable,  easy-to-implement, alternative solutions to many of  our social and economic problems.  This page and the other pages linked to at the bottom of this page explain in detail how to accomplish this goal.

Creating Win-Win:   Please remember that, by creating these non-profit foundations, nothing would be taken away from the existing systems, except thier cash cows.   The difference is that the public will be given new choices.   Supply, demand, price, and service will continue to determine where the customers spend their money.   That is, after all, what the corporate leaders are claiming that free-will capitalism is all about.   

These proposals also follow the examples of the super-wealthy in another way.   The super-wealthy set up foundations and name themselves and their families as the beneficiaries.   They fund the foundations with profits from corporate investments.   We are merely suggesting that we the people do likewise and name "ourselves" (state or county residents) as the beneficiaries. 

In each state, set up a network of non-profit foundations (with a foundation in each county) using the same principles as those designed for the counties to fund home loans.   (See The New Lending Structure on the page titled:   How to End the Home Foreclosure Crisis.   

We propose setting up a network of cooperating foundations instead of a single state foundation in order to prevent concentrations of power.   Why?   1) Because history clearly shows us that humans are incapable of handling unbridled power.  2)  Because a single foundation for an entire state would have a very high concentration of power.   3)   A network of foundations would significantly reduce the potential for misuse.   

The foundations will work closely with the state's sister foundations that provides auto and home loan  insurance.   (Here's a link to the sister foundation using California as an example:     The California Insurance Foundation.¹)    

The foundations offer unsecured, credit card loans to state residents at a  six to ten percent interest rate.   Borrowers must be credit worthy.   The foundation will use the same standards as an ethical bank would use to determine a potential customer's credit worthiness.   

The profits from the credit card loans are used to buy stock in corporations doing business within the state.   The foundation starts by buying stock in the corporations that are exploiting the state's natural resources.   Once the state's two sister foundations collectively own a controlling interest in  the offending corporation, they can stop the exploitation and transform the business management process to one that matches The New Corporate World Foundation's Win-Win Business Structure.
http://www.New-Corporate-World.info#39 ²   The States Lending Foundation is the non-profit foundation used in creating  the offending corporation's Win-Win Business Structure.     The Corporations are also able to set up their own foundation as described on the page titled:  How to End the Home Foreclosure Crisis. ²   

For an example of how to do this and the results it will produce, readers are directed to the TLC-Life-Center website titled:   How to Preserve the Last of The Virgin Redwood Forests at:    http://www.RedwoodForests.info#36 ²       

When the foundation acquires a controlling interest in the company, it transforms the company as described on the two website mentioned above,  site #36 ¹  and site #39 ¹  

The profits generated by owning stock in the corporations is then used to fund state governments following the procedures such as those mention in the footnotes below.  ^**mc4   And those mentioned on the page titled:  Rules and Management Practices for Trusts and Foundations. ²   

This process will end usury-level interest rates on credit cards.  It will fund state governments, and it will  preserve the last of our natural heritage such as saving the last of the redwood forests.   

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^**mc4   **mc4    The following notes include suggestions on how to set up and manage the foundations so that, first and foremost, they serve the public interest.  

Each foundation is the property of the people of the state in which it is located.   Each foundations belong to the people of the state and NOT to the state government.   The foundations are intentionally built outside of the existing political structures to avoid the political infighting and to avoid the big-money special interests that dominate so much of  present-day politics.   Each Foundations is to be managed by an independent board elected directly by the residents of the state.  

Directors are elected for a six year term.  One third of the board members are elected every two years.   Existing board members must pass an approval test by the voters every two years:   
Choice 1)    Keep (___ ) on the board for another two years. 
Choice 2)    Remove (___ ) from the board.   
Prior board member can again ask the voters to elect them to the board after being off the board for one election cycle -- a cycle in which they do not attempt to influence other board members or participate in any way in board business.     

The Board of directors offers a list of suggestions about how and where the money should be spent.   Prior to spending the money, each spending project must be approved by a popular vote of the state residents.   

Two  examples:   1)  The board suggest spending  twenty million dollars on a metro rail system between city "G" and City "H."  2)  the board suggest spending 398 million dollars to build "The Bridge to Nowhere."   

The voters get to choose between these four options;  Spend 100%   Spend  66%   Spend 33%   Spend  o% on this project.  Which ever percentage wins is the percentage of the suggested money the project gets.   

When critics claim this to be a cumbersome system, ask, "What special interests are paying for this objection?"  Do you have any conflicts of interest that are influencing your objection?   If so, what are they.  Then suggest comparing the new system with the existing state funding-allocation system.   We suggest using the 2008-2009 budget war in California as an example.

If people want to promote or advertise for or against funding a project, they are free to do so as long as they pay the same amount to the side opposite there's so that both sides get an equal amount of public exposure.