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teamTen counts four brave souls
who still believe in miracles
only one objective lights our way
we will not let it go astray
money and life lessons taught
vanity cannot be bought
do not fear thieves or dragons or vice
and never decline a teacher's advice
hope will light up our homes
when friends come calling to our doors
turn, transfer, twist the cogs
put on masks and thinking caps
make your brain work in agile ways
and love… till the end of days
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I once wondered what I would do if I inherited 200 million dollars?
The matter turned out to be quite simple: I would apply the principle
of the golden ratio. It goes like this:
keep 33% of your funds yourself, share 33% with your family and friends,
give 33% to strangers. The remaining 1% should be spent on the lottery.
Maybe you'll get lucky once more.
How would this work out with 200 million dollars? I would keep 68 million
myself. Wonderful… I could live like a king! But I would have to live,
and so… 68 million is way too much for my needs. I evaluate my needs at
1 million dollars. You might ask: why? Because I do not need a couple
of houses all around the world (what are hotels and friends for?), yachts
or cars costing a million apiece. I do not need paintings by world-class
artists or anything like that. All I need is a nice apartment or a small
home in the suburbs, a safe car and… some cash for my feminine wants.
A million would be more than enough. I would put 2 million in a bank account
with a 5% interest rate (and there are more profitable offers), which
would give me a monthly salary of about 3 thousand dollars. After taxes.
And that would be enough for a simple life. Especially since I could save
money during most of the year.So to meet my goal I would have to apply
the golden ratio three times. Then, after subtracting my "deserved"
million, I would have 1,3 million for emergencies, which I could give
to those in need of money, e.g. following an accident. For example to
someone waiting for a transplant, prosthetic limb or someone who's insurance
does not cover treatment costs. That's what I would do!
But can the golden ratio be applied solely by disgustingly rich people?
No! Everyone can apply it. This is because it is linked with our actual
earnings, not our salaries. What we receive every month, a salary or royalties,
is our gross salary. We then have our expenses - everything that we must
pay for to live; payments, pleasure, other items we must buy. What is
left can be applied for the golden ratio.
Let's conduct a thought experiment.
Let us suppose that only 5% of those employed in Poland (and there are
around 16 million people with jobs) are those with a good financial situation,
which means they earn 2000 PLN more than they spend. This gives 800 thousand
people and the sum of their "extra economic potential" is equal
to 1.6 billion a month. 66% of that is 1.56 billion. A lot of money, right?
How much good could be done with that sum? How many families made happy?
How many lives saved? How many smiles? Hmm...
And now the difficult economic experiment: DEE in short.
Let us assume that every working person is suddenly cut off from their
money, totally left without funds. This isn't as unlikely as it sounds.
All it would take is a fire at home and a need for immediate evacuation
with a simultaneous crash at the bank, e.g. caused by a worldwide computer
virus plus no possibility of borrowing money from family or friends.How
much money would be needed to survive a month: assuming necessary food
expenses plus paying for bills? Of course it would be necessary to limit
expenses to a minimum: no cinema or restaurants, no expensive meats or
organic food, no cigarettes or alcohol, nothing that is not necessary
to survive a month. How much money would be needed per person to humbly
survive? A few hundred? A thousand? A thousand five hundred?If every well-situated
Pole is not thinking that it would require 2 or 3K, let me remind you
that the lowest retirement pension in Poland was 799,18 PLN in 2012. Before
Our difficult economic experiment (DEE) was to see how much money
could be potentially gained from people who would agree to living frugally,
limiting their expenses for a month each year to a minimum. Maybe in May?
It is such a beautiful month…
There is only one obstacle in the way of this philosophy raking in benefits
life the Great Orchestra of Christmas Charity. No, sorry, two problems…
The first is trusting those who would administer this money. How many
people do we know who would not give in to the temptation of spending
part of such great sums on themselves? The second: faith that the entire
undertaking would not be a failure as a result of the question: "What
guarantee do I have that others will take part in the charity? That it
won't be only me, making a complete fool of myself?"
Both problems could be solved quite easily. First of all, with the engagement
of a person universally trusted and respected (only how to choose this
person? Hmm… maybe an online survey?) and full transparency of the entire
undertaking. Second of all, by offering full anonymity and freedom of
payment. Everyone would give how much they deem necessary. As an incurable
optimist I think that the undertaking would work out quite well.
So, my beautiful ladies… My kind gentlemen… Let the undertaking commence:
DEE - jump out of your money! AKA Passing your hat around 2015 AD.
If you want to take part:
1. Declare how much you are willing to give (in PLN, only rounded sums,
2. Divide the declared amount by 1000.
3. Transfer the sum from point 2 to:
Account no: ACTION SUSPENDED!,
where three numbers are not provided - (X - one number and Y - two numbers)
Finding the digits behind X and Y is a logical task - you must decipher
the missing elements from an (infinite) mathematical set, in which the
first numbers are:
1, 2, 3, x, 8, 13, 21, 34, Y, 89, 144, 233, 377, 610, 987, ... itd.
I will tell you why I devised this task. A payment declaration should
be thought-through and should require some effort. It is not enough to
type a number and click once.
This is why I believe that the above suggestion will give rise only to
If you do not know the correct answer
to the riddle I will give you a clue. The remaining numbers are called
In case of transfers from abroad add "PL" before the bank account
To make a transfer you will need two more pieces of information:
- SWIFT: BPKOPLPW
- Bank's address: PKO BP SA Departament Rozliczeń - Bankowo¶ć Elektroniczna,
ul. Puławska 15, 02-515 Warszawa, Polska.