GPIA-DIV Global Permanent Income Account

KaizenRhino Solutions solves for multiple generations poverty by reducing to Zero individuals who are unbanked plus underbanked and increasing to 100% individuals who own a free market designed income paying account GPIA-DIV.

This community wide financial foundation promotes the creation of good paying jobs and increases the development of inclusive entrepreneurship.  Ideally GPIA-DIV is created prenatal which allows for maximum compounding and reinvestment.  The principle of these accounts have no ceiling thus increasing the income produced overtime and by learning how to manage their accounts long term all individuals and communities would learn how to maximize the benefit of this financial foundation.

Because each individual owns and self directs their online and mobile account and can apply the earnings collaboratively even the individual stock company benefits from the broad based community of owners.

KaizenRhino Solutions International believes and covid-19 has shown the devastating impact of so many individuals not having savings and especially the recommended 3 to 6 months foundation.UN data indicates over 2 billion individuals live with extreme poverty and billions more have inadequate living wages. KRSI believes that not not making maximum use of compounding plus not applying a free market designed income paying account as a fundamental model contributes to the persistence of this challenge.  KRSI believes evidence will quickly demonstrate that having a widespread sustainable financial foundation will grow and expand the resources available to combat this challenge but provide enough extra resources to allow the development of good paying jobs and promote inclusive entrepreneurship.

Talent is global... inefficient resource use has distorted what is possible in far to many communities.  The means from individuals-organizations-institutions and certain government agencies exists today to help start a foundation that will lead to an explosion of creativity possible when individuals have more than the bare necessities.

A widespread financial foundation is critical and with AI plus Blockchain enhanced technology accessible online and mobile will be greater when 5G and WiFi 6 capabilities become the global norm.

KRSI proposes an International asset ownership standard using the
scientific notation number system and Bloomberg wealth model where
10-3.5 or $5000.00 per person for 2nd and 3rd economic level nations and 10-4.5 or $50,000.00 per person in 1st economic level nations.  GPIA-DIV is a basket that holds any number of dividend paying stocks owned and self directed by each individual.  GPIA-DIV is also LifeCycle (Prenatal-15-30-30-30 Bequeath) managed with certain deposit only periods of reinvestment growth.  GPIA-DIV provides broad based free market driven supplemental income. 

These accounts are held in highly secure Transfer Agent company platforms accessible online and mobile and with coming 5G plus WiFi 6 more areas of the world will have direct access to these efficiency promotion resources.

Technology will allow the creation of these accounts today even before it reaches all communities this will allow the  owner to know that their account is growing today and their children and other family members accounts also.

Global policies can be established that ensure these accounts are permanently vested with the individuals and are globally portable. Because the principle is growing permanently and is bequeath the account compounds continuously the owner learns to manage long term.

Individuals with the greatest needs is the initial focus.  This approach is not an end game design as the owners through their statements with the proper trust and earned reliability will be motivated by what the future projection is demonstrating.  The extended community also sees the benefit as truly when one gains they all gain plus the model is for every individual to have their own vested account built though the free market.  Because of online and mobile access the free market is within reach of every individual and with the ability to create proxy accounts the impact is unlimited.

The design uses FA Hayek spontaneous order effect where each individual makes their owns decision and receives original data to inform them directly.  In the initial learning phase a model of choices with help with early learning how to.

GPIA-DIV provides direct resources and equally inspires and motivates in unlimited ways that will have unlimited future application.

Maslow's Hierarchy of needs tells us that everybody needs to have basic needs satisfied before the individual can move on.  To be high performing in a good paying job or to aspire to be an entrepreneur and be creative the individuals and even the community must have resources and these include financial resources to make this happen.  Our target populations is no different. GPIA-DIV is a foundation, a starting point for everyone, to enable them to focus and concentrate in a good paying job or have the emotional, intellectual energy, be creative + apply that drive as an entrepreneur.

The Economic Security SEED project has a pilot of Universal Basic Income, former presidential candidate ran on a platform called Freedom Dividend a form of UBI.  UBI is said to come from  description in Utopia written in the 1500's.  That means this idea is 500 years old and is still being piloted. IDA a modified savings account was used from 90's to early 2000's  by at first thousands then slowly less and less organizations then unfunded.  Payday Loans and Title Loans modified small loans used by thousands of commercial sites charging usury rates often by the hundreds of % percent. KRSI GPIA-DIV is an innovative modification of owning dividend paying stocks to provide free market based supplemental income for economic security( innovation ) and no organization in history anywhere in the world has used this approach to help unbanked and underbanked gain financial inclusion (innovation) .  The innovation includes creating the account prenatal to make maximum use of compounding time... never before used the account principle is permanent and can be increased with no ceiling plus is bequeath...design features never before used...more innovation!  Credit Suisse Bank conducted a hundred year study from 1900 to 2000 to learn which financial products performed the best and released the results in a book "Triumph of the Optimists" .  Dividend paying stocks topped the list by far. This performance data is the motivation for my creating GPIA-DIV.

GPIA-DIV is built on an existing Transfer Agent companies online platforms and is also accessible through mobile.  We also will make new use of the existing technology with our lifecycle design of 15 years deposit only then 30-30-30 customizable life stage developments.  GPIA-DIV uses AI and Blockchain to enhance security and identity.  In the future AI will be used to determine when a dividend stock company has reach maximum ownership efficiency or stock sector efficiency.  5G and WiFi 6 will extend global access and improve connection and service for some areas of the world and improve service overall everywhere. In some cases we are developing AR for individuals who need help with seeing a visual picture told verbally.  This AR element may prove our most powerful education tool.

Transfer Agents make up the core processing of stocks markets around the world and have been in use over one hundred years.  An example is Computershare or AST.

veThe common unknown is that the law... IRS-ERISA-SEC and Fed Reserve law allows any individual to create an account on the Transfer Agent platform. They are accessed online and through mobile.

Two companies we do not use and will not use but may be an example is

1. Vita Nelson and Moneypaper mp63fund.com

2. Charles B Carlson and Horizon Investment Services

KaizenRhino Solutions is reducing to Zero individuals unbanked and underbanked to end multigenerational  poverty with our GPIA-DIV account MVP.  1 is the fact the account is created Prenatal or today so the first transformational fact is you own an account when you own you are more motivated to learn what you need to know 2. the account is designed to maximize use of time compounding which means you get more return at less cost, when you own you are more likely to take positive action that saves you money. 3 the account principle is permanent and has no ceiling so as you grow the principle you grow your income which benefits you your family and community.  This direct wealth building that you experience is also transformational.  Direct ownership has been a missing link coupled with the lifecycle design of the account 15-30-30-30 management years will contribute to long term behavior change.  Because the account  is bequeath this sets up the heritage habit and family tradition opportunity which reinforces behavior because it is meaningful to the family.

In our development phase we have helped 150 individuals create an account. The power of word of mouth with right SEO messaging and influencers since we are an innovation make the potential numbers a wide range in the next year because the account is built online at an existing platform education and about 100.00 is the only short term barrier. In one year 100,000 new accounts and in 5 years 100 million accounts. Each person with an account may benefit directly up to 5 people and indirectly  10 to 100 Coviwith an account a whole community.

Covid-19 has exposed the impact of not having savings.  Poverty is known to impact health.  I believe the perfect storm has occurred for a national and international goal to establish a stand for asset ownership.  Just like to goals for electrification or to end polio or small pox. With GPIA 2035 our International goal which includes the national is to establish an asset ownership standard using the scientific notational number system and the Bloomberg wealth number model.  10-3.5 or $5000.00 per person for 2nd and 3rd economic level nations and 10-4.5 or $ 50,000.00 per person for 1st economic level nations.  This goal is aspirational and requires Philanthropic partners plus legislative chnge to secure the design.  The sub international goal foundation is reduce to Zero individuals who are unbanked.  This is done as a foundation when an amount above the fee level is made permanent by law.  Say $500.00 per person then every person will have an account available for direct deposit and think of the money saved by this one standard.  Add 4500 in a utility dividend stock and now this person has free market based supplemental income plus the community has a stock that is broadly supported long term.  Imagine the broad based impact of that with a million accounts.  And because this base amount is permanent and long term it is a one time expenditure that is still in the market producing.

Creating the first partnership to launch at  scale of 10,000 or 100,000 individuals.

Alongside this is the legislative changes to put in place the permanent rule the benefit is the money remains in the market to produce an income.

Covid-19 makes it understandable this is a 2nd chance philanthropic support recognizing that Ok people did not save before but this model is long term supportive and creates long term supplemental income a very good reason to explore this solution.

The clear lesson is in this model the dividend earned is the gift the initial principle although a gift sets a permanent foundation by law at above the fee level.

When the short time demonstration is in place over the next year.  The powerful benefit of this spread over the next five years becomes super evident.

I believe a scalable demonstration at maybe as low as 5000 individuals will eliminate many hurdles as the infrastructure is primarily in place it was this type of vision that was missing.

The minor legal changes are not a major hurdle because the accounts are not support by Taxes or Debt.  The platform is already scalable...new accounts are created online or mobile by the new account holder.

The initial ask with Solve Community is Marketing, Legal and Policy connections.

N/A

KaizenRhino Solutions has 1 employee. Our innovative approach to our Team is such as our team includes:

•Jacob Bernuolli …  Mathematician: E-Math constant and Compound interest formula

•Friedrich Augusta Hayek… Economist “Spontaneous Order” Free market basis

•John Clifton Bogle created first Index Fund…  inspired GPIA-DIV idea

•Martin Luther King Jr  Lifelong Influencer ….Poor People campaign mission continues

•Harriet Tubman  Visionary…. Community Activist…. Problem Solver

KaizenRhino Solutions International primary core is education based on a visionary design using an existing platform. As the designer with years of experience with the platform we are well positioned to deliver this solution.  Our method can be presented to peer educators who can spread the education and use of the platform.  Addition use can spread through use of SEO tools.  A license with the Transfer Agent companies make this innovative design use exclusive.

Our Team is:

•Jacob Bernuolli …  Mathematician: E-Math constant and Compound interest formula

•Friedrich Augusta Hayek… Economist “Spontaneous Order” Free market basis

•John Clifton Bogle created first Index Fund…  inspired GPIA-DIV idea

•Martin Luther King Jr  Lifelong Influencer ….Poor People campaign mission continues

•Harriet Tubman  Visionary…. Community Activist…. Problem Solver

KaizenRhino is at a stage where the partnership is not established but our partners will be individuals-organizations-institutions and certain government agencies that support asset building/free market supplemental income for unbanked and underbanked individuals.

Policy makers and politicians who support legislation that secures certain protections for GPIA-DIV model.

In the past to current all poverty programs required continuous support none of their models became self sufficient so all partners became fatigued.

Our model is an innovative shift our accounts have a permanent foundation at above feel level where they begin to produce an account sustainable income which has no ceiling and in time this account will produce a livable income all the while the funders funding has made a permanent difference.

This innovative design is significant. Philanthropic asset building supports are the primary customers.  Policy makers and politicians whose minor changes end increasing support to establish a permanent foundation with legal protections not a constant financial drain, can now turn to other challenges

The end users get the direct education and experience to move beyond a foundation to rise to more complicated challenges.  Primarily via education and initial one time financial bump.

Transfer Agent customers gain new customers who because they own assets beyond the fee level are an asset not a liability. And because the principle in each account has no ceiling the future is unlimited.

KRSI income will be 1.00 per new account and 1.00 per year per each account.  Our goal is 8 billion accounts.  Word of mouth and SEO will be the primary account growth drivers.  Other income consulting, traininPrimaryg materials news letter subscriptions and swag sales.

Primary revenue license fees from Transfer Agents for each account created and annual maintenance fee. Goal 8 billion accounts.

In my experience no one individual achieves large scale impact solo.  As an individual on an individual journey I have been very successful.  To have greater impact I'll need the support of an organization.  MIT SOLVE is this type of organization.

I'll need assistance with legal modifications with Transfer Agent companies

Policy changes impacting asset restrictions and general rules for the poor.

Initial partnership agreement support with philanthropic partners.In some cases

In some cases policy impacts the decisions unbanked make.

In other cases they need resource assistance like that which can be obtained from philanthropic sources.

Direct service organizations can provide additional education support.