Materials from the previous chapters form an understanding of systemic problems in the economic component of modern human society. The NEC2020 Concept outlined below makes it possible to reduce their number and eliminate certain contradictions in the current state of consumption of goods and services.

A product is any object that is put into economic circulation to participate in free exchange for other objects and money. A commodity, in most cases, is a product manufactured for sale, otherwise, such objects are not considered commodities. In general terms, a product is all that can be sold. Each product has a price, value, value, the magnitude of the values of which can be constant, explicit, hidden, false, absolute, relative, etc.

In modern society, with some exceptions, you can sell or buy everything. This situation is primarily due to the fact that goods are not only material objects and services, but also completely immaterial objects (information, time, digital assets, liabilities, etc.), and first of all, these are rights or partial rights to something. The development of society made it possible to divide the once single ownership right to a thing, along with which all rights to it were transferred to a new owner, into a number of separate rights, each of which can act as an independent product (the right to use, view, listen, read, etc.) Thus, a significant part of the goods has become a certain right to something, transferred to another person, which may be accompanied by the transfer of the thing or not.

The "New Economy of Consumption" is synthesized in Russia, on the basis of long-term observations and direct participation in trade and the direct participation of its authors in trade and monetary relations on the territory of the Russian Federation. Tracking the changes that took place, analyzing the consequences of such changes in the sale and purchase of goods and services, became the source and reason for the creation of the Concept, which was abbreviated as NEC2020 Concept, since it was in the spring of 2020 that the idea of the Concept and a practical vision of its implementation began to take shape. The publication of this monograph determines the end of the theoretical work on the NEC2020 Concept by its Authors.

Preliminary remark

The modern economy is built on the production of goods and the provision of services, on their sale and purchase, where the main instrument of economic relations is money. The main participants in such a relationship are divided into three categories: Manufacturer, Seller and Buyer. The manufacturer creates a product or service, the Seller sells, the Buyer buys (consumes). Often, the Manufacturer acts as a Seller, thereby reducing the number of categories of participants to two, but the number of roles does not change from this. Let's consider each of them below.


The Buyer is in constant use (spending) of his income and accumulation of monetary resources, for the acquisition of Necessary and Desired, as well as for Investments.

Necessary is a set of acquired, received, acquired goods and services, without which the meaningful life activity of a person stops, with the inevitable savagery and the end of his time. In the personal minimum, Necessary is food, water, clothing, housing (for Russia and other northern countries - heated housing). At the social minimum, the Necessary is access to public goods.

Desire is anything a person desires, limited only by his essence, reason, morality, laws and the level of development of society. What you want is recreation, learning, creation, travel, creativity, sports, self-realization, research, charity, knowledge, entertainment, science, and so on. Also, the Desired should include spending on unnecessary, and sometimes harmful goods and services, the reasons for the acquisition of which are due to human nature.

Investing is an expense of today, to provide the Necessary and receive the Desired in the future, which is predictable and expected by a person. Investing is the use of resources that a person owns or has in order to increase or maintain their value or value in the future, and then return them to the Investor. The return of the used resources can be carried out in any form specified or acceptable to the Investor. Investing exists by reducing the cost of Necessary and Desired, in the present.

One and the same person, the same Buyer can be in two guises: the Reasonable Buyer and the Unreasonable Buyer. For each person, for each of his hypostasis, for each of his states, there is a service and a product. Moreover, it is common practice for goods and services to appear before the moment when they are in demand, or better to say, show up, demand from the Buyer. The Buyer, Manufacturers and Sellers devote a significant portion of their resources to addressing such a future need.

The formation of a person's desire to purchase a certain product, the creation of the illusion of the need for such a product, this is the basis of modern business and not only. This situation is due to the fact that today, everything from the personal set of Necessary and Desired is available for purchase, and in order to include another unnecessary product in the shopping list or replace "someone else's" product with "ours", the Manufacturer and the Seller must try very hard and spend money. One of the ways to ensure demand for product is to change the state of the Buyer, upset his equilibrium, change his goals and values, swing his priorities, morality, worldview, etc. However, this aspect of modernity is not part of the Concept, and therefore is only indicated in this presentation.

Based on third-party and our own life experience, we admit that the Reasonable Buyer is a person who directs his money at the right time, to meaningful acquisitions in the required quantity and quality, while maintaining the balance of his expenses, between Necessary, Desired and Investments.

The Unreasonable Buyer, on the contrary, submits his expenses not to a reasonable calculation, but to momentary desires, his own and others' illusions, the advice of outsiders, public opinion, the mood of others, his emotional states, all kinds of fears, empty hopes, unrealistic goals, irresponsible promises, existing fashion, affordability, transient popularity, their inadequate state (alcohol, malaise, stress, tobacco, illness, etc.), as well as simple human stupidity. As a result, the Unreasonable Buyer has or is constantly present, a deformation of the distribution of costs between Necessary, Desired and Investments, which leads to damage in one place and congestion in another, which is not just bad, but sometimes fatal for such an unreasonable Buyer. For clarity, let's take an example with an uneven distribution of the burden in the hands of a person, which will definitely lead him to imminent fatigue. More dangerous will be the incorrect distribution of cargo on a ship or aircraft, which can lead to its death.

Inadequate assessment of reality or inadequate state, this is the essence of the Unreasonable Buyer, who should be pitied and who should be helped, but he and his condition are a source of profit, and in a modern society of free choice, the choice is in favor the latter is obvious. It is worth mentioning here that it is at the Unreasonable Buyer that a significant part of the Sellers' activities is directed to stimulate spontaneous, useless purchases of goods and services that he (the Buyer) regrets later. Also, it is for such Buyers that the Manufacturer produces a huge amount of goods and services that every Unreasonable Buyer consumes, dooming himself to disappointment, frustration and ruin. But, ATTENTION, for these "new" conditions of the Buyer, there is also a product or service that drives him to the next round of "shopping", in which, for example, treatment of his addiction, also a third-party service paid for by him.

The Unreasonable Buyer, in his financial and emotional state, is similar to the birthday boy, to whom the guests invited by him presented a bunch of unnecessary items as gifts, only these gifts were paid by the hero of the occasion - the Unreasonable Buyer.

As a conclusion, we get that the Reasonable Buyer is a person who is not in a hurry, knows what he needs, he conducted a preliminary study of proposals for his existing need, assessed its necessity and price, coordinated the acquisition cost with his budget and opportunities, calm and focused on the deal, adequately assesses his condition and environment, both in the present and in the near future. Any deviation from the condition of the Reasonable Buyer, aim at the condition of the Unreasonable Buyer.

In addition to the above, there is one more condition that is met when purchasing goods that are then not used, the Buyer must get satisfaction or pleasure from the very fact of the purchase, and this is often a direct indication of his unreasonableness, which is associated with all kinds of addictions, substitutions of the meanings of one's own existence, ignorance and misunderstanding of oneself.

At the end of the description, we will indicate the most important condition for all Buyers - they never have enough money for Necessary, Desired and Investments. And it is precisely this state of the Buyer, as a condition and as a rule, that lies at the basis of the NEC2020 Concept.


The seller is completely subordinate to his role, the implementation of which is limited by his reputation, working capital, existing demand, the available range of goods (services), applicable laws and regulations, objective conditions, competition and his own principles. The main functions of the Seller include: consultations, presentation of goods, preparation of an offer, sale of goods, ensuring that the Buyer receives goods in a specific or agreed quality, quantity, volume and condition, as well as warranty and other obligations related to the goods or services.

A seller who does not have an exclusive product or a product of a limited offer, as well as the advantages of its location (placement), is in constant mandatory need to monitor the conjuncture of the market segment where it operates. The most important condition for commercial success for the Seller is the constant determination of the ratio of supply and demand for your product or service, the analysis of objective reliable information about the state of affairs of competitors and their position. A correct and reasonable assessment of the market situation and its forecasting allows the Seller to gain competitive advantages or ensure their emergence, thereby reducing the level of commercial risk. In the modern, rapidly changing world, a reasonable Seller does not ignore the emergence of new technologies and goods. As a result of the analysis of upcoming changes in the market situation, the Seller always considers options for adapting his activities to future objective transformations of the demand and needs of Buyers. A far-sighted Seller is always ready to update the assortment, transform the sales system, choose the right direction for diversification, occupy an emerging market niche, supplement or change the type of activity.

At the end of the description, we will indicate the most important condition for all Sellers - they never have enough money-backed Buyers who are ready to pay the full cost of a product or service. And it is precisely this state of the Seller, as a condition and as a rule, that lies at the basis of the NEC2020 Concept.


Manufacturer of goods for the manufacture of products in demand, organizes significant investments in the design and development of a product, in the acquisition and development of appropriate technologies and equipment, in attracting qualified personnel, in creating a production cycle, in organizing commodity compliance, product safety, packaging, labeling, standardization, certification, etc. Today, any production is a complex process that requires high-tech means of production and management, purposeful and well-coordinated teamwork of the required number of specialists in different fields.

A service provider is usually in a better starting position in terms of investments before starting production activities. He also needs special equipment and appropriate professional tools, but the main place in successful activities is occupied by abilities, knowledge and experience in the chosen field. Unlike a product offer, an offer on the services provided requires a significant variety in terms of volume, composition, etc. The service provider, in most cases, interacts with the Buyer and acts as the Seller. A feature of the sale of a service is the receipt of payment (full settlement) for the work performed, after its provision. Thus, the Service Provider (Service Seller) is in a more dependent position on the Buyer than the Goods Producer.

The manufacturer of goods and services, as well as the Seller, is in the grip of competition and rapid technological progress, which does not leave him the opportunity to be in the achieved state (level) of production for a long time. A frequent case for a Manufacturer is the production of a product, which is then either immediately thrown into a landfill or sent for processing, since the demand for it was not "guessed", the product was morally obsolete even before it left production, the competitor bypassed the Manufacturer in price, quality and characteristics , there has been a change in standards and legislation, customs restrictions and duties, the expiration date has expired, and other reasons. Hence, we have to admit that part of the products produced by each manufacturer is garbage. The appearance of such garbage is more related to the production of goods than services.

At the end of the description, we will indicate the most important question for all Producers - what and how much to produce in order to ensure sales, profitability and development of their production, to preserve the production team. The implementation of the NEC2020 Concept can only indirectly affect the activities of the Manufacturer, through changes in the relationship between the Seller and the Buyer. The authors of the Concept expect that such an impact will be positive and will be able to reduce the amount of "waste" produced.

Producer - Seller - Buyer

Further consideration of the connection Manufacturer-Seller-Buyer requires the inclusion of money in their relationship, where they (money) act as an organizing factor, means and goal at the same time. Let's indicate the main goals for each of the parties:

Manufacturer - ensuring the profitability of production and sales.
Seller - making a profit as a result of realized sales.
Buyer - the acquisition of goods (services) of the required quality, at an acceptable or low price.

The main scheme of buying and selling is as follows. The manufacturer produces the goods, assigns a retail price for the Buyer and a wholesale price for the Seller. The manufacturer, by the difference between the two prices, pays for the services of the Seller for the wholesale purchase of his goods, storage, presentation and promotion of his goods among the Buyers, for the initial processing of proposals, reviews, complaints and claims of the Buyers.

For the Manufacturer, the main source of influence on his existence and well-being is the Seller, who in turn completely depends on the behavior, preferences and financial solvency of the Buyer, the purpose of which is indicated above. Due to the existence of such a goal, in the relationship between the Buyer and the retailer, there is usually the fact of trading for the final price of the goods, which, in most cases, is expressed in the amount of a discount from the full retail value. A situation arises when the interests of the parties collide, one of which does not want to pay the full price for the goods, and the other cannot sell the goods for the declared full value. The result of such a confrontation is a compromise on the final cost of the goods, which the Seller agreed to and which the Buyer agreed to pay. A compromise is impossible when the Buyer requires a decrease in the final cost of the goods, beyond a certain level, the overcoming of which does not make any financial sense from the transaction for the Seller.

Compromise between the Seller and the Buyer is a common phenomenon and has existed at all times, but today's compromise differs from the past, by the presence of a global systemic economic crisis of overproduction. The reason for which is the unprecedented achievements of production technologies, the use of materials with given properties, computerization, digitalization, robotization, automation, and other factors and conditions. Today, making something in any quantity with a given cost price, time and delivery to the place is not an insoluble problem. We are witnesses and participants in events that become trivial, but were previously defined as fairy miracles, when the desired thing appeared with a clap of our hands.

In this regard, as well as with the Buyer's unlimited choice and free time, which he used to spend on searching and purchasing the goods he needs, he (the Buyer) spends this time on finding the best option and on "fighting "with the Seller for the minimum cost, that is, the maximum discount. The Seller, in order to replenish or maintain his income, requires the Manufacturer to reduce the wholesale cost of the goods, which he is forced to agree to, since the Seller is his main Buyer and can move his cash flows to another Manufacturer, a competitor of the first.

We state that the relations between the parties are built as follows: the Buyer blackmails the Seller, the Seller, in turn, broadcasts blackmail to the Manufacturer, the Manufacturer organizes the production of goods of reduced quality, with deteriorated characteristics, packaging, safety, reduced service life or other defeats. It should be indicated here that static conditions are being considered, when a new reduced price is not the result of a decrease in cost, the use of new technologies and materials, while maintaining the quality and functionality of a product or service. As a result, the Buyer receives a product with a reduced value, but of worse (for example) quality than the one that he purchased earlier and traded for it from the Seller at a lower price, and which (price) he did receive. But along with the low price, the Buyer received, or rather did not receive something. And this Something, the Manufacturer "removed" from the initial state of the product in order to ensure the profitability of its production. A reasonable Buyer never buys a cheap one, if the reason for buying is only a low price of the product, he always asks about the reasons for such a "gift", among which is the desire of the Seller to receive at least something for "garbage".

Another defect of the current situation in the production and trade of goods for people is the presence in the production and trade of many tricks and slyness, and at times a weakly disguised deception of the Buyer. For example, a Manufacturer quickly ceases to produce, service and provide spare parts for its technological goods, forcing Buyers to purchase new product models, which often do not differ in functionality and characteristics from the "old" ones. Another example is when the Seller arranges fake sales and promotions, sweepstakes and "distribution of elephants". Other examples and their variations will be found and remembered by every Buyer, who, it is worth noting, is often not sinless himself, and sometimes insidious. As they say, in war, as in war.

The consequences of this situation in the production, sale and use of goods, we fill garbage containers, landfills and waste processing plants. It is there that a significant part of the goods that are now placed on store shelves and lie on grocery shelves in supermarkets, waiting for their expiration date, ends up.

Returning to the mutual relations of the parties in their extreme, we determine that the Manufacturer is balancing on the brink of profitability, receiving complaints and a negative attitude towards its cheap products in various ways, the Seller does not receive the full value for the goods and "keeps the defense" in front of the dissatisfied Buyers, who, in turn, receive a low-grade product and regret wasted resources.

Two questions arise, how it will all end and what to do. How it ends on a global scale is quite predictable - it is littering the planet and reducing its degrading population, with a change in the ratio of reason and stupidity, in favor of the latter. The answer to the second question is not the subject of consideration of the NEC2020 Concept, but the appearance and implementation of the Concept allows counting on its impact on the current situation in the economy, through changes in commodity-money relations.

NEC2020 Concept

Baseline conditions:

1 - The seller wishes to sell the product at a price as close as possible to the full retail value of the product.
2 - The buyer wants to get the maximum discount on the total cost of the product or service.
3 - Both seek to get rid of the need to sell / buy low-grade goods.
4 - Buyer and Seller are rarely happy with a deal.

Statement of the problem to be solved: To ensure the sale of quality goods at full cost with obtaining the best results for both parties to the transaction.

Let's build the basis of the Concept.

We determine that the Seller agrees to make a discount on the full cost of the goods, since these are the rules of trade, but the amount of such a discount should not be critical for his activities and must tend to zero. This is possible when new rules are defined and adopted, about which below. Also, the Seller wants to get rid of the blackmail of the Buyer directed at him and his forced blackmail aimed at the Manufacturer, realizing that this is counterproductive and humiliating at the same time.

We determine that the Buyer agrees to pay the full cost of a good-quality product, and also agrees to save the Seller from trade, which is unpleasant for both. That is, the Buyer agrees to refuse the discount, but only if he receives something in return, and this something should be very significant for the Buyer. For example, the Buyer acquires the likelihood of returning a significant part of the money paid for the product, or all the money spent, or an amount that exceeds the cost of the purchased product or service. How is this possible. Here, the key word is probability, which, together with the second keyword - investments, and the main condition of the NEC2020 Concept, provide the basis for its theoretical justification.

Probability is a mandatory attribute of human thinking. It is the determination of the likelihood of the development of events that gives a person options for his actions, that is, a meaningful choice. The choice of the correct option from the probabilities, made on the basis of an analysis of the initial state of the resources available to a person, taking into account objective and subjective conditions, gives the achievement of the set goal and obtaining the required result in its possible maximum.

The right choice is the success of undertakings, productive activity, forward movement, the appearance of offspring, preservation of health, saving lives, a secure existence and much, much more, or rather EVERYTHING. A person who does not know how to reasonably and reasonably predict probabilities is doomed to vegetation and going to fortune-tellers. The future is variable for a person who is thinking, brave, hardworking, loving life, striving to learn and learn a lot. For the rest of the individuals, the real future is predictable - it is gray and dull.

Examples of probabilities in their extreme values:

I recognize - I do not recognize
I will swim - I will not swim
I can do it - I can not do it
I get it - I dont get it
I will - I will not
I will - I will not get there
I will win - I will not win
I will learn - I will not learn
I can - I can not
I will find - I will not find
Everything will be fine - everything will be bad

Returning to the topic under consideration, let us determine the number of legal moral ways and probabilities of acquiring money by a person. There are few of them:

- getting wages
- receiving pay or allowance
- receiving money or a source of income, as a gift
- business income
- receiving remuneration for the work performed
- receiving pensions and benefits
- income from renting out property
- income from capital, shares, shares and other rent
- receiving inheritance
- receiving income from the placement of funds at%
- getting income from investments
- sale of property
- winning in the game for money
- winning the money lottery
- finding treasure and other valuable items
- found "draws" money
- gaining a source of income or maintenance: marriage, marriage, the results of creativity, etc.

Most people will be able to apply to their lives no more than two or three options from the above list, and most likely, these options will not be sources of Passive Income, the presence of which in their budget, all people on Earth would like to have ...

Passive income is the receipt of funds for spending or accumulation, which does not depend on and is not the reason for the activities of its recipient. Passive income, as its name implies, is such a return that does not require any activity from the recipient, other than accepting the amounts of Passive Income into his account. Passive income is regularly received funds in the property of its recipient. The amount of Passive Income can be different and depend on many factors and reasons, including due to the limited influence of the recipient of Passive Income on his existence.

Everyone wants to have and successfully invest their resources and means to receive Passive Income in order to ensure the receipt of the Necessary and obtain something from the Desired. Based on the current state of affairs and natural human aspirations, we will define the essence and direction of the implementation of the NEC2020 Concept.

Returning to the situation when the Seller sells the goods and purchases it by the Buyer, let us consider once again the situation when the Seller and the Buyer refuse a part of the money that each of them, in general, considers their own. For the Seller, this is money from the full cost of the goods, which he does not receive if he provides a discount to the Buyer. For the Buyer, this is money that he "overpays" for the goods, since he believes that his full price includes his discount. Moreover, the Seller himself taught the Buyer to such an attitude to the value of the goods. So, the Seller refuses a part of the full cost of the goods, and the Buyer, in turn, refuses a discount on the goods or services he buys. The amount obtained as a result of such a transaction is determined, within the framework of the NEC2020 Concept, as an Investment Deduction.

Investment deduction (INDE) is a part of the total cost of the goods that the Seller sends to the Buyer's Investment account when selling this product to this To the buyer. The investment deduction can be expressed as a percentage of the value of the goods or in a specific amount. Each Investment deduction received on the Buyer's Investment account forms its Investment resource. The concept of Investment deduction was created and formulated during the creation of the NEC2020 Concept and is its basis.

Investment account - a specially account, which is organized by the Investor at the Investment operator and filled with Investment deductions. Investment deductions on the Investment account form the Investment resources of this Investor. The existence of the Investment Account is subject to the current legislation of the country in which the Investment Operator operates, certain rules and restrictions, including the NEC2020 Condition.

Investment resources - funds on the Investment account, which consist of all Investment deductions received on this account. Investment resources are used by the Investment Operator to ensure that the Investor receives Investment Income.

Investment income - Passive income of the Investor, which comes at his disposal and belongs to the Investor as a result of the availability of Investment resources on his Investment account with the Investment operator. Investment income this is the positive financial result received by the Investor from the activities of the Investment Operator.

An Investor is an individual who has an Investment account with an Investment Operator. The Investor ensures the receipt of Investment deductions to his Investment account through the purchase of goods and services from the Seller, who, like the Buyer (Investor), cooperates with the Buyer's Investment Operator. An Investor can have several Investment Accounts with several Investment Operators in order to diversify his financial assets in the form of Investment Resources.

Investment operator - an organization, fund, enterprise, structure, system or any other formation (form) that ensures the organization of Investors 'Investment accounts, accepting Investment deductions to Investors' Investment accounts, disposal of the Investors' Investment resources to receive Investment income. The Investment Operator does not have ownership of the Buyer's Investment Resources. The investment operator has a published offer, which, among other things, spells out its obligations to the Investors. Based on the content of the offer, reputation, profitability and other things, the Investor makes his choice in favor of one or another Investment operator.


The definition of "Investor" indicates an individual, due to a better understanding and presentation of new Seller-Buyer relationships, while embedding the NEC2020 Concept into economic relations between legal entities requires a more complex structure and legislative participation of the state .

The "New Economy of Consumption" concept implies that Investors do not have the right and opportunity to withdraw funds (Investment resources) from their Investment accounts, which are formed by their Investment deductions (see "NEC2020 Condition").

Taking into account the above definitions, which give an understanding of the use of the NEC2020 Concept in the relationship between the Buyer and the Seller, we deduce the rule that every time the Buyer purchases the goods, the Investment deduction is sent to his Investment account, which is sent By the seller upon completion of the transaction. Due to the fact that the purchase of goods and services is the main, and sometimes the only waste of financial resources of each person, we assume that a significant amount is accumulated on the Buyer's Investment Account. Subject to the widespread dissemination of the NEC2020 Concept, Investment resources will be replenished almost every day and possibly more than once during its course. In the event of a return of the goods (termination of the transaction), the amount of the Investment Deduction is excluded from the amount returned, which is understandable.

Strengthening the understanding of the use of the NEC2020 Concept

There is a certain amount in the cost of the goods, which is determined by the Buyer and the Seller as their money. For the Seller, this amount is in the total cost of the goods, for the Buyer, this is a discount by which the total cost of the goods should be reduced. The confrontation between the Buyer and the Seller consists precisely in defending the rights to this amount. It is this amount that is defined in the Concept as an Investment Deduction.

The goal for the Seller and the Buyer is the same, each of them strives to improve their position through the final result of the transaction in their favor. For the Seller, this is the receipt of the full value of the goods in the cashier (account), for the Buyer, this is the maximum discount on the purchased goods, and in absolute terms, this is the receipt of the goods for free or the return of its value in the foreseeable future. The compromise between the Buyer and the Seller is to achieve a certain balance in the total cost of the goods.

The essence of the Concept is in organizing the probability of returning the value of the goods to the Buyer with a different undefined coefficient, through the sending for investment of a part of the value of the goods (Investment deduction) by the Seller to the Investment account of the Buyer of the goods and receiving the Investment income in favor of the latter.

The use of the NEC2020 Concept is beneficial to the Seller, since it reduces his losses during the traditional sale of goods at a discount, which is always not large enough for the Buyer. The investment deduction is always less than the accepted discount, since the Buyer is likely to receive more in the future than to save in the present. The Seller, carrying out his activities using the Concept, gains an indisputable competitive advantage, which subsequently becomes one of the rules for trade in goods and services, and ultimately, allows the Seller to always receive the full cost of the goods or services by adding the amount of the Investment deduction to the total cost of the goods.

The use of the NEC2020 Concept is beneficial to the Buyer, who becomes an Investor and gets the opportunity to receive Passive Income, which increases due to a constant increase in the Investment resource in his Investment account. The buyer becomes a significant and influential person in economic relations. The Buyer becomes a Reasonable Buyer immediately and irrevocably, as he makes a choice in favor of purchasing high quality goods based on a formula that becomes the rule - the more you spend, the more you get. The buyer becomes a thinking person, as he analyzes the activities of Investment operators for the correct selection of the most worthy ones, in order to place their Investment resources with them. The Buyer becomes a Buyer who behaves with dignity with the Seller, since he does not demand a discount from him for a product or service. The buyer becomes a respected client, due to the fact that he now has money and is not afraid to spend it, since part of the cost of a product or service is invested in his favor, going to his personal Investment account.

Application and dissemination of the Concept "New Economy of Consumption" ensures the appearance of investment funds for all buyers of goods and services, the increasing total size of which will be significant for any economy of any country in the world.

The authors of the Concept see two ways of its implementation, starting and basic. At the start, this is due to the loss of a part of the full cost of the goods for the Seller, after the dissemination of the Concept and the inclusion of the Investment deduction in the final cost, a smooth transition from the initial option to the basic one, which provides for the Investment deduction in the cost of all goods and services, of course, if it is not contradicts existing needs.

Final output

At the beginning of the monograph, it was pointed out the presence of a systemic problem in the economy of today, which is defined by the Authors of the Concept as a qualitative obstacle, the overcoming of which is taking place in the present historical period. The NEC2020 Concept can be considered as part of this transformation process, and its practical implementation will contribute to replacing the existing imperfect and harmful, in many respects, practice of discounts, with a systemic practice of investment. The introduction of which will contribute to the gradual removal of cheap low-quality goods from the shelves, while simultaneously increasing profitability for sellers and manufacturers. "NEC2020 Concept" creates favorable conditions for the involvement of buyers in economic activity through the investment of a part of the added value, which through the investment income goes to their disposal, ensuring the return of the money they spent on the purchase of goods or services, with growth. he Concept will reduce the tension in commodity-money relations between all parties to production and trade, and will indirectly contribute to the preservation of human and planetary health. The "New Economy of Consumption" will give new meaning and confidence in the future to many producers, sellers and buyers. And the most important consequence of the widespread application of the NEC2020 Concept is the forced transformation of the Unreasonable Buyer into the Reasonable Buyer, namely, a lot depends on the Buyer, and possibly everything, since all of us - the inhabitants of the Earth - are Buyers.


The NEC2020 concept provides for all people the appearance of one or more or as many (as many as possible) Investment accounts, on which the ever-increasing Investment resources are placed indefinitely. The existence of Investment resources is not limited in time and for life is a source of Investment income for the owner of the Investment resource, with mandatory inheritance.



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