Feldmann erklärt euch das Steuersystem

[Feldmann]

Es waren einmal 10 Freunde, die jeden Tag miteinander zum

Essen gingen. Die Rechnung für alle zusammen betrug jeden Tag genau

100,00 Euro. Die Gäste zahlten ihre Rechnung wie wir unsere Steuern

und das sah ungefähr so aus:

 

Vier Gäste (die Ärmsten) zahlten nichts.

Der Fünfte zahlte 1 Euro.

 

Der Sechste 3 Euro.

 

Der Siebte 7 Euro.

 

Der Achte 12 Euro.

 

Der Neunte 18 Euro.

 

Der Zehnte (der Reichste) zahlte 59 Euro.

 

 

Das ging eine ganze Zeitlang gut. Jeden Tag kamen sie zum Essen und

alle waren zufrieden.

 

Bis der Wirt Unruhe in das Arrangement brachte in dem er vorschlug,

den Preis für das Essen um 20 Euro zu reduzieren. "Weil Sie alle so

gute Gäste sind!" Wie nett von ihm! Jetzt kostete das Essen für die 10

nur noch 80 Euro, aber die Gruppe wollte unbedingt beibehalten so zu

bezahlen, wie wir besteuert werden.

 

Dabei änderte sich für die ersten vier nichts, sie aßen weiterhin

kostenlos.

 

Wie sah es aber mit den restlichen sechs aus? Wie konnten

sie die 20 Euro Ersparnis so aufteilen, dass jeder etwas davon hatte?

Die sechs stellten schnell fest, dass 20 Euro geteilt durch sechs

Zahler 3,33 Euro ergibt. Aber wenn sie das von den einzelnen Teilen

abziehen würden, bekämen der fünfte und der sechste Gast noch Geld

dafür, dass sie überhaupt zum Essen gehen. Also schlug der Wirt

den Gästen vor, dass jeder ungefähr prozentual so viel

weniger zahlen sollte wie er insgesamt beisteuere. Er

setzte sich also hin und begann das für seine Gäste

auszurechnen.

 

Heraus kam folgendes:

Der Fünfte Gast, ebenso wie die ersten vier, zahlte ab

sofort nichts mehr (100% Ersparnis).

 

Der Sechste zahlte 2 Euro statt 3 Euro (33% Ersparnis).

 

Der Siebte zahlte 5 statt 7 Euro (28% Ersparnis).

 

Der Achte zahlte 9 statt 12 Euro (25% Ersparnis).

Der Neunte zahlte 14 statt 18 Euro (22% Ersparnis).

 

Und der Zehnte (der Reichste) zahlte 49 statt 59 Euro

(16% Ersparnis).

 

Jeder der sechs kam günstiger weg als vorher und sogar

die ersten fünf aßen immer noch kostenlos.

 

 

Aber als sie vor der Wirtschaft noch mal nachrechneten,

war das alles doch nicht so ideal wie sie dachten. "Ich

hab' nur 1 Euro von den 20 Euro bekommen!" sagte der

sechste Gast und zeigte auf den zehnten Gast, den

Reichen. "Aber er kriegt 10 Euro!" "Stimmt!" rief der

Fünfte. "Ich hab' nur 1 Euro gespart und er spart sich zehnmal so viel

wie ich." "Wie wahr!!" rief der Siebte. "Warum kriegt er 10 Euro

zurück und ich nur 2?

 

Alles kriegen mal wieder die Reichen!" "Moment mal,"

riefen da die ersten vier aus einem Munde. "Wir haben überhaupt nichts

bekommen. Das System beutet die Ärmsten aus!!"

 

Und wie aus heiterem Himmel gingen die neun gemeinsam auf

den Zehnten los und verprügelten ihn.

 

Am nächsten Abend tauchte der zehnte Gast nicht zum Essen auf. Also

setzten die übrigen 9 sich zusammen und aßen ohne ihn. Aber als es an

der Zeit war die Rechnung zu bezahlen, stellten sie etwas

Außerordentliches fest:

 

Alle zusammen hatten nicht genügend Geld um auch nur die Hälfte der

Rechnung bezahlen zu können! Und wenn sie nicht verhungert sind,

wundern sie sich noch heute.

[Sapine]

Das erinnert mich an die aktuelle Diskussion ums Kindergeld / Kinderfreibetrag. :-

[klausk]

Sehr schön, Feldmann! Das wird jede Stammtischdiskussion sofort und unweigerlich ins Chaos stürzen -- ohne jede Aussicht auf Rettung. Und dabei wollen alle doch nur fair sein.....

 

Es könnte allerdings sein, dass dann Jemand den "Ausweg" findet, den die Ultrarechten in USA den Leuten ins Gehirn gepflanzt haben, wonach alle Probleme mittels Steuersenkungen(-schenkungen) gelöst werden können: "Es ist dein Geld und du weisst am besten, wie es ausgegeben werden sollte." Ergo: den Staat mit voller Absicht aushungern, solange bis es keinen mehr gibt.

[Adam.Riese]

Und so gehts weiter (das Original ist natürlich Englisch)

Wer wie ich in der Mitte von sehr langen Witzen immer einschläft muss es aber nicht unbedingt lesen.

 

In the US and throughout most of the rest of the world, the tenth man would have paid off a politician for $10 to get a beer subsidy of $30 per night(to create jobs for the bartender). Of this $30, $10 of course would have covered the lobbying expense, $10 would go in his own pocket, $1 would go to the bartender to keep his mouth shut, and $9 would go to the bar.

 

The Bar would give him a kickback of $10 each night for bringing in his 9 buddies to make them into alcoholics, repeat customers for life.

 

The Bar would then raise their prices to $130 citing inflation and higher taxes.

 

The tenth richest man would then secure his finances in a Dutch Holding Company managed by a trust in Ireland which invests in Chase and Bank of America. He would then explain to his buddies that he is as poor as the rest of them and cant afford to pay himself as he cries into his beer that night citing his latest financial report which shows him to be broke on paper so that he doesnt have to pay taxes in the United States ever again.

 

Citing his former generosity, the other nine men would agree that the tenth man can now pay nothing like the 4 poorest.

 

The others would then be faced with an adjusted amount of

 

* The fifth would pay $3.

* The sixth would pay $10.

* The seventh would pay $22.

* The eighth would pay $38.

* The ninth would pay $57.

 

Now the group would recognize that this is not fair and so would lobby the Government for an Earned Drinking Credit for the Poorest men. The government would oblige and give the four poorest men $2 each, but they would tax the 5th - 9th men $2 each as well.

 

* 4 men receive a total of $8 and 5 men pay $10.

 

The adjusted amounts would then look like this for all 10

 

* First Receives $2 pays $2 | Net 0

* Second Receives $2 pays $2 | Net 0

* Third Receives $2 pays $2 | Net 0

* Fourth Receives $2 pays $2 | Net 0

* Fifth Pay $1 to bar pays $2 to tax | net paid $3

* Sixth Pay $8 to bar; pays $2 to tax | net paid $10

* Seventh Pay $20 to bar; pays $2 to tax | net paid $22

* Eighth Pay $36 to bar pays $2 to tax | net paid $38

* Ninth Pay $55 to bar; pays $2 to tax | net paid $57

* Tenth Man: Tax Credit Received: $30 ;

Pays $10 to politician;

$1 to bartender;

Receives $10 from Bar

Net RECEIVED $29 per night and free beer

 

Of course this can not go on forever as the sixth, seventh, eighth and ninth men cant afford to pay those rates forever. So they start paying with their credit cards held by Bank of America and Chase.

 

The tenth man would start demanding a higher Return on Investment from his investment managers, who would be hearing similar requests from all of their other investors. They would then expand their holdings into mortgaged back securities where a good deal more profit could be made.

 

Meanwhile the Fifth through ninth men are racking up debt on their credit cards from drinking every night, their health care costs are increasing as their liver fails, and they are also spending more on gasoline as they drink and drive as they can no longer afford to cab it.

 

Ultimately, they end up refinancing their credit cards into their house where they have equity. The mortgage broker promises them a 4.9% interest rate on the refinance which sounds good as their credit card interest rate is up to 21%. The broker promises them that they will not have to verify their income, provide W2s nor copies of their tax paper work.

 

Their mortgage broker doesnt tell them, but lies about the value of their house in order to refinance their credit and help them avoid paying private mortgage insurance. At their current income levels, and without verifying their income, their mortgage would be classified as Sub Prime and the interest rate would be 10.9%

 

The mortgage officer lies about their income levels as well to boost the internal credit scoring mechanism and get them financed, not at 4.9% but 5.9%, which is better than 10.9% and happens to pay the mortgage broker a higher commission than a loan at 4.9% that is not sub prime.

 

The mortgage broker also promises them a payment of $900 per month, but fails to mention the balloon payment of $50,000 in the 5th year and doesnt mention the adjustable rates in year 3.

 

The men separately show up with a hangover and sun glasses on the date of their close for their new mortgages. They trust their broker and do not read the paperwork in detail flipping and signing almost as fast as they could raise a beer bottle to their lips.

 

The loan closes, the mortgage broker gets a fat commission, the bank securitizes the mortgages by selling them to an Irish Hedge Fund and pockets collectively a billion dollars in profits that year.

 

The hedge fund holds the investment for a year, shows a 35% gain on paper and starts selling shares to retirement funds and 401ks in the US that the Sixth through 9th men just happen to have the rest of their life savings sitting in.

 

The tenth man sees the writing on the wall, literally magic marker on a stall in the restroom of the bar.

 

The end is Nigh

 

He pulls his money out of the Irish Hedge fund invested in real estate and invests in Gold at $600 a troy ounce.

 

Meanwhile, he lobbies congress to tighten bankruptcy laws for credit cards which he still has a sizable investment in. Congress tightens bankruptcy laws and makes it impossible to absolve credit card debt, forcing people into chapter 13 where they must pay off the debt within 3 years or go to debtors prison where they can work it off in 7 years.

 

Gas prices are still going up so the President ignores a minor terrorist threat, allows the terrorists to blow up a major building and then goes to war with the terrorists home country where there is no oil, and simultaneously with a country that sits on 10% of the worlds oil reserves that has a decimated military infrastructure.

 

Oil prices shoot through the roof with Gold following close behind. The President whose family comes from oil barons make a fortune and become famous at their skull and bones country club outside of Yale.

 

Meanwhile our famous 10 guys, start paying even more money at the pump. The first 4 guys end up taking second jobs working at Wal-Mart and have to give up drinking at the bar so that they can try and beat their teenage kids out of a promotion.

 

The fifth and sixth guys get foreclosed upon. They were forced to stop paying their mortgage payments so that they could pay their mandatory credit card payments as required by the new bankruptcy law.

 

The seventh, eighth and ninth men all previously traded up their homes for McMansions that they can not afford with interest only payments of $2300 a month. When foreclosures start happening their plans on flipping their McMansions and cashing in on the equity slips through their fingers.

 

To make matters worse seven and eight get laid off from the companies they work for when their jobs get outsourced to China. The ninth man keeps his job at a law firm, but fails to notice that his 401k fund is slipping and has lost 10% in the last year. Things are looking up as his law firm seems on the edge of landing a big contract with Merrill Lynch.

 

Then the real estate crash and sub prime mortgage scandal erupt. Banks start dropping like flies to be saved not by the cash strapped government that can barely afford the war for oil any longer, but by China. Oil and Gold soar, Gold hits $900 a troy ounce and Oil hits $130 a barrel (about the same amount for 10 rounds of beer prior to the crash). Beer prices hold steady for the first few months, but then start to edge up as gas prices for delivery creep into the bar owners expenses.

 

Then the first four men one night remember their favorite bar. They sneak around back around 4:30 am and steal 50 empty kegs that just happen to be made of pure aluminum. Those kegs are now worth about half the value of a keg that is full in scrap metal prices or about $80.

 

They are not stupid and dont want to get caught turning the kegs in at the dump where the police are already looking for keg thieves. So they head out to the closed down manufacturing plant where they used to work. They start a big fire, and melt down the aluminum into big messy aluminum splashes on the cement.

 

They turn in the aluminum for cash and get caught up on their back alimony and child support before heading back to work at Wal-mart where they now work for their teen age kids that beat them out for that promotion earlier in the month because their job skills werent as good as recent high school graduates. They then begin dreaming of new ways to find aluminum alimony allowances.

 

Meanwhile, the banks and mortgage companies lobby congress spending about $10,000 a head in an election year to bail out the economy. Congress provides the major banks with government backed loans to refinance the bad sub prime loans so that the government can personally guarantee those bad loans. They also put $100 billion of actual cash into the hands of Americans hoping to stimulate the economy.

 

Americans however, are all in debt up to their eye balls and use the extra $1200 they receive to make 2-3 credit card payments. They take the $300 for each kid and buy groceries for the month and then they start worrying about next month.

 

The banks get away free as they have Chinese financing now and no bad loans as they have refinanced them over to the US Government. The US government had to print more money to pay for all of these actions and so Gold goes up to $1500 a troy ounce.

 

The tenth man is now worth Billions and moves to Costa Rica to retire taking the new trophy wife that used to be the bartenders girl friend with him.

 

The first four men end up going to county prison for 3 months for stealing aluminum dog crap receptacles after running out of kegs to steal.

 

The fifth and sixth men end up living in an apartment and then homeless after they lose their jobs at Wal-Mart.

 

Click HereThe seventh and eighth men whom we previously left hanging in our story after they lost their jobs and ability to pay for their homes, end up losing their homes, and their kids. They and their spouses are each convicted of mortgage fraud by the FBI in a major sting operation after it is revealed that they lied on their mortgage applications. Their mortgage brokers who actually did the paper work cop a plea agreement in exchange for immunity with the Feds and rat out each of their unsuspecting customers.

 

The ninth man ends up losing his entire retirement fund which took a big hit as the dollar rapidly plummeted into free fall. He ends up refinancing his own house under a government backed loan for $650,000. Unfortunately, a tornado comes through that winter in a freak coincidence and levels the home. FEMA promises to provide assistance but never shows up and the ninth man freezes to death attempting to salvage the shreds of his belongings. His home insurance policy refuses to pay as they claim that his house was over valued and then they prove it with comparables studies from his own mortgage brokers database.

 

The tenth man ends up dumping his new bride a year later, moving back to the states a year after that when the US appears to have hit rock bottom and he leads up a Chinese real estate investment initiative in the states. He makes another $10 billion in ten years, but is then executed in Beijing for espionage.

 

Meanwhile, the bar tender goes on to win American Idol and sleep with Paula Abdul. They are now blissfully happy, doped up on anti-psychotics, and the biggest two idiots the world has ever seen.

[Grumel]

Wir sollten den Fluggesellschaften endlich verbieten reiche Geschäftsleute mit ihrer Preisgestaltung zu diskriminieren.

[Feldmann]

Das erinnert mich an die aktuelle Diskussion ums Kindergeld / Kinderfreibetrag. :-

 

 

Wohl eher an die Diskussion der Managergehälter und deren Besteuerung.