News & Archive



October 2022

Two people communicating Person using laptop WWW logo

From Big Picture to Detail and Back
Communication in the 21st Century

Communication is nothing more than communication. But no less either! If we oversee the whole world of communication it is only about the ways of transporting. Talking and writing, publishing and conferencing, emails, chats and webinars, searching, researching and last but not least investigating.

And that brings us to science and research, to education and even traveling for finding new information and new discoveries. Even beyond the borders of natural sciences only!

Because behind all visible worlds there are the ideas, the plans, the strategies and all other "building principles". Intensified observing and intensified thinking through about all the phenomenons can give the same or even better insights than training higher insights of "clairevoyance" via meditation alone. And is much easier to communicate with everyone else!

In other words: science is about the big picture and the details, and communication is mostly about details, and only sometimes about the big picture. But in the end it is always about insight and understanding as a basis for better arguments to take better decisions in our daily life, in organizations and in the world as a whole.

Thanks to the internet we can communicate with almost everyone worldwide. And about all kinds of issues thanks to Google and Wikipedia. And think about everything during all the presentations of TEDx.

And based on better structures for discussion such as the Sustainable Development Goals, international agreements and rules such as the Global Reporting Initiative GRI guidelines. And last but not least consumer-producer dialogue, civic councils and free press in general.

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September 2022

Modern car Work from home Buy Nothing Day

Go / No Go in the 21st Century: Travel and Transport

Electric and hydrogen based on solar or wind are the new fuels for travel and transport. Sharing cars scooters and e-bikes the new basis for lowering commodities in general. Working from home as the ultimate form of sustainability in travel and transport. But Buy Nothing Day could be recognised as the ultimate wake-up call for consideration when we decide every day about to buy or not to buy! Because not only energy and commodities are worth to think about but also the labour of our fellow consumers. What do we REALLY need? The three questions about why how and what are relevant in all our everyday decisions as consumers. That is "stewardship" or in other words: consumer governance!

But also thinking the other way around is important, even more important! What do we need for our personal welfare and development not material but social and spiritual? That is the economy of services and the art of living itself!

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August 2022

stock market Luca Pacioli Paper money Worgl

Money Money Money - Yesterday Today Tomorrow

Financing yesterday, today or tomorrow. Buying the past (products made), facilitating today (saving and investing vice versa) and/or financing the future (education research and design).

Money was invented to make barter and trade easier to handle in place and time. First we used shells and salt, later on gold, coins or paper money. Today we use the internet as our worldwide bookkeeping system for changing products and services, for saving and investing, and for financing the future of new products and producers.

Most interesting developments in the last few years is the rise of local currencies, crypto currencies and last but not least rethinking about old and new currencies made for a world economy seen as a living process, like nature. Representing more as a real mirror of reality, of production AND use or consumption as an ongoing circular process. The thoughts of Sylvio Gesell and the experiences in Worgl / Austria in 1932 gave an optimistic experience to use for further research as one possible option as the IMF suggests on their website.

For us consumers it can trigger our own thoughts about spending our money. Buying, saving or financing the future? Spending some of our money to finance the future, a better world for the next generation (and for ourselves when we return here for a following life on earth). Life(s)Long Learning!

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July 2022

Organic architecture Organic architecture Organic architecture

Organic architecture in the 21st century

The iconic building of organic architecture in Amsterdam will be transformed into a small city of appartments, shops, restaurants and exposition areas. The former head office of the ING Bank is still a marvellous example for the architecture of the 21st century and is visited by many people through the years since 1985 when it was built.

In the transition from the cubic architecture of the last century - image of (dead) matter and materialism - organic architecture is the art of building structures based on the mathematics of the living nature.

Projective geometry is allround geometry and so it is the basis of all forming processes in the universe between point and infinity (see also our news article of April 2022). Not only in sculptures of cristal forms but also in the forming principles in the living nature of flora and fauna. And even so in the developing of the human being, organizations and the world as a whole!

We can see the transformation of architecture all around us in the world. Beginning with building structures of cubic buildings in an ever more "dancing" relationship with each other, forming highly interesting new living spaces and working areas! It shows us the transformation from the materialistic architecture towards the living architecture!

As architecture is not only a building principle in stone but also influencing the people who are living or working there or travelling and sightseeing, it also is a kind of mirror which can help us to work towards another world, towards the future we want. For instance: Triodos Bank for sustainable financing started with the help of people working at ING Bank. And Consumer360Academy has its roots in both banking institutions, connecting old and new principles of marketing and consumer-producer dialogue!

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June 2022


SDG 12 - Responsible Consumption and Production

More and more producers are now stepping into the future we want! Even the biggest companies (such as Shell and Tata Steel in the Netherlands) are now working constructively on sustainability to help in reaching responsible production and consumption. Dialogue and partnerships are the proven toolkits for the future!

During the World Economic Forum WEF in Davos many decisions were made to solve the climate crisis before 2030/2050 and solve all the problems in the world according to the Sustainable Development Goals. China will plant 70 billion trees for instance! But basis for the future of the world is of course the impact we can all make as stakeholders!

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May 2022

World Health Day 2022 Cartoon: Billy and I are playing doctor. So far, I've kept hin waiting three hours. Medical flag

World Health Day: Our Planet Our Health

Getting ill getting better is a very old statement. And that is indeed the why-how-what of every illness. Be it a human being, an organization, a country or the whole world. Only when we understand illness as an opportunity for our personal or even social development we can work in the right direction. With medicare as an assistant to the individual or the board of managers. Good food, good organizing and good work for sustainability are the way forwards for a healthy life and a healthy planet.

Yes we experienced different diseases already in the 21st century. Be it Corona, Financial Crisis or International Fighting or Trade Wars. Looking backwards we can always recognise (in most cases) that we got better, better than before. And that is always the proof in the pudding! If we analyse the history well.

Like a strong man lifting heavy weights chooses heavier weights every next week to get stronger, so do we in our lifetime and so does the world as a whole!

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April 2022

Projective Geometry Olive Whicher Voyage of Discovery

Life(s)Long Learning - Projective Geometry as a Voyage of Discovery

From the beginning of aviation pilots always wanted to go higher faster and further. Also learning, research and travel are reaching for new horizons. And even all our thoughts about cooking and taste, architecture and industrial design are a daily voyage towards the un-known. Life(s)Long Learning is a never ending voyage of discovery!

But learning can also be done in a structured way which is called "research". Working from specific questions, specified goals and structured ways of reasoning and dialogue. But one way or the other: we want to know the truth and noting but the truth about anything and everything.

The biggest discoveries are made today when not looking to the natural science alone which is about the natural (read: physical) world alone. Especially the spiritual sciences are becoming more and more interesting as a road to understand the basics of the whole universe we are living in. The same way we can recognise that there is a board of directors and an organizational structure behind the (natural / physical) structures of factories and roads, we can discover the worlds behind social and individual processes and their options for learning and developing.

The easiest way towards understanding the coherence between natural sciences and spiritual sciences is mathematics, especially geometry as a picture and even more specific the projective geometry. It was Rudolf Steiner who discovered this connection between inner and outer worlds, point and periphery, details and overview. It was Olive Whicher who gave the final entrance towards these insights in her book Projective Geometry. Because she used art as a tool geometry became the road for the voyage of discovery!

She presented the book during a seminar in Switzerland in 1972. We can use projective geometry in many ways to explain organization structures, the world of christals plants and animals, all kinds of developments in space and time, and all kinds of relations between matter and mind. Even about making visible developments of the individual (consumer) and mankind as a whole.

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March 2022

Sustainable Development Goals on building SDG keywords SDG12 Responsible Consumption and Production

Sustainable Development Goals - Another World in the Making!

Sustainable Development Goals are now THE real catalyzers for change! Everybode knows them, everybody is talking about them, and everybody and every organization is now working on solutions one way or another. New ways of farming and food, energy and all kinds of commodities, and working on cleaning the seas and reforestation of what has been exploited.

The Club of Rome (1972) the Brundtland Report (1987) and the Earth Charter (2000) were the great initiators. Buy Nothing Day (1992), Rethinking Economics (1992), and Fridays for Futures (Greta Thunberg 2018) were the great promotors in the last few years. And the whole world is now aware of the urgency about climate change, sustainability and all other issues about equality, responsibility and development in general.

And the first results are becoming more and more visible! Electric transport and travel, 3D efficient organic and biodynamic farming, self-responsible healthcare, quality education and life(s)long learning, More equality for all people and a more reasonable income for everyone. Better ways of production including a much better longterm profit for everyone and every organization! The 21st century has really started towards mature and responsible lifestyles.

But there has to be done more than the SDG's alone! The SDG's are 17 goals together, but only about six of the twelve necessities of life. The SDG's are mostly about sustainability of the natural world and about equality among people when it is about income, hunger and healthcare. But much more has to be developed than the SDG's alone! The way we think about science itself as a holistic issue more than natural sciences alone, The way we think about democracy more than gender equality alone. And so the way we think about religion philosophy of living and thinking about the arts as basic principles of creating and co-creating for everyone. For stewardship of the planet and the cosmos around us (not to be overcrowded by traffic and litter ... ).

Therefore we published our first video about the twelve necessities of life to complete the complete horizon of information which we need as consumers (and as producers). Because a video "reads" so much faster than pages in a book or on a website. This was our press release which we send to the press and many other organizations on the 12th of February:

Newstip: Premiere YouTube Video (11 min)

An overview of all information consumers need for their daily decision making.
A summary of the complete website of Consumer360Academy in a nutshell.

WorldWideWeb360 Consumer Information (YouTube 11 min.)

Discover the world of the consumer!
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Enjoy reading!

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February 2022

We can do it We can do it Clock We can do it Cheering

Work in Progress - Another World Under Construction

Many papers and magazins are reporting about the new generation which is willing to take action to change the world into sustainability and responsibility, transparency and equality. Willing to take the lead of their own future!

Although worldwide most noses are pointing into the same direction it is not easy to change the world in one day! But after so many years of research, dialogue and experiences we have to make up our minds and take decisions.

What about a to-do list for consumers? That is us! Taking economical decisions every day choosing what we need. Making our decisions mostly as a routine. But when making choices about to change something we always have to read and talk a lot, to calculate and/or think about moral issues, to doubt again and again before taking our final decisions.

For exchange knowledge and experience there are many different "circles" of people talking about many different issues. Groups of consumers, citizens or co-creators (depending on the role one is acting) are discussing about issues of common interest. Consumers around a shop, people around a center for medicare, parents around the school of their children, citizens around politicians, or co-creators around an academy for the arts or a circle of people around a theatre or museum. According to the research 1980-1987 on which this website is built we can recognize twelve types of "consumer circles" in which we are in dialogue with each other but especially with our "producer".

But to exchange knowledge and experiences about our role of consumer as a consumer we need a thirteenth circle as a platform for dialogue. To talk not about our relation to the world around us but to the world within us! In opposition with the consumer circles and consumer unions in the outer world we have to look to the inner world of our role of consumer. And not only to home economics which is in fact about the family life but to our own role in the world as a consumer. And not only talking about sustainability but about everything, about all twelve necessities of life.

That is what this website is all about as a basis for home economics and for consumer circles as well. Knowing all about who I am, what I feel atracted to, and what I really need to have to live my life is the starting point for all the other dialogues.

To start the "inner circle" which we are ourselves, we can study the content of this website as a basis for our own thoughts, our own arguments, our own decisions. Then only then we are also 100% prepared for all other dialogues. Changing the world is starting from ourselves, from our own insights, motivation, and true needs (plus more for fun).

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January 2022

Ptolemaeus Scheme of the universe Ships wheel Money around the world

WorldWideWeb360 - Consumer Governance is Becoming Mainstream.

Now we have passed the 21st year in the 21st century we might call ourselves adults at last! After 3x7 years of upgrading our consumer knowledge, struggling with all kinds of arguments, and last but not least trying out all kinds of organizing new ways of sustainable and responsible lifestyles. And where awareness is the basis of it all and by definition irreversible, education is still life(s)long learning, and action always trial and error. The WorldWideWeb360 of cultural social and economical organizations is based on the 12 necessities of life and the 7 aspects of dialogue between consumers and production / services / advisors. It gives us the "overview" and shows the big picture.

Looking back

Most important what happened this year was the international conference in Berlin organized by UNESCO and Education International where finally was decided that sustainable and responsible lifestyles will be integrated in every curriculum of every school worldwide! Like a follow up the COP 26 Conference in Glasgow resulted in the first steps of implementing the answers on the questions of the next generation. Talking in the language of Greta Thunberg: from bla bla bla to do do do! The road ahead will not be easy but it feels very professional now!

Looking forward

The year 2022 will hopefully bring many new initiatives and many breakthroughs in all kinds of organizations. Climate cannot wait anymore and so the case of inequality worldwide. Sustainability in nature, but also healthier and more tasteful food are the best options to work for. Because healthy food is the basis for healthy thinking to build a healthy future. And so the tendencies toward true prices and true incomes. Maturity means think, argue and act in a healthy way. Real interest, real empathy, and real vigor are the tools!

December 2021

Euro Maastricht Negotiations

From Euro to Global? - 30 years experience with one coin in many countries

In the success of the Euro we can recognize the winning idea of John Maynard Keynes over Dexter White. The Euro as testcase for the Bancor has done very well. BECAUSE it was a coin for all member countries while the Dollar was not! From Bretton Woods to the Maastricht Treaty to Gobalization in the 21st Century?

When all people pay with the same coin then only then true prices will become visible! And true prices are true incomes in the end. Slogans like fair trade and living income will not be necessary anymore by then.

Paying with "Globals" can make the world economy 100% transparent showing the reality of dividing the labour economically and the reality of dividing the incomes legally.

Working with Bancor or Global as a global currency not only makes the world economy transparant but is also the most efficient indicator for dividing labour worldwide. Serving best possible prices for the consumer!

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November 2021

Glasgow CoP26 Northern lights Atlas

COP 26 Climate Conference in Glasgow - Stepping Into The 21st Century.

The great conference about climate change took place in Glasgow, Scotland. While the first conference in Rio de Janeiro 1992 was about all possible information. In 2001 the Millennium Goals were the first results of a worldwide dialogue. And 2015 the UN Sustainable Development Goals presented us all world problems on a single "dashboard"! The COP26 conference on climate change was now the "hottest" item of all items.

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October 2021

Bookcover The Threefold Social Order Free, Equal and Mutual Rudolf Steiner

Best Practices for Shaping the Future

In 1919 Rudolf Steiner published the Essence of the Social Question after more than thirty years of research and try-outs. It already gave most interesting best practices for shaping the future which we can use today! Even now hundred years later the experience of biodynamic agriculture, waldorf education and anthroposophic health care show us how a deeper insight in the nature around us give us the tools for better understanding of how nature works.

But the Social Question is more complex than nature and more difficult to work on. Because we have to learn ourselves how society works and we ourselves are of course the ultimate players on the worldstage! But all kinds of questions about economy, human rights and cultural development are high on the agenda nowadays. So knowledge of the basic laws in the social sciences can be of great help!

Because the human being him/herself is in the centre of the universe it is the best and EASIEST way to look around and see all the problems, opportunities and possible solutions in an overview! As consumer, citizen and co-creator we are the ones who have all the (daily) needs, ask the questions (marketing), receive the answers (products and services), and pay for it in the end. That's why we can call it "consumer governance".

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September 2021

Schema of the Great Reset The Great Reset - @World Economic Forum Michelangelo

The Great Reset - From Corporate Governance to Consumer Governance

The Great Reset is the bestselling book written by Klaus Schwab, founder of the World Economic Forum. It gives us an outlook into a future where corporate and government governance will try to continue their leadership roles which they had in the centuries up till now. But in the 21st century it will be more and more the consumer/citizen/co-creator who will take over the steering wheel of the future we want. By asking better questions for better answers (products and services). By all forms for dialogue between consumers and producers. And by co-financing the companies they are connecting with by prepay, financing product-stocks, or even financial stocks. Most of the consumers still have some homework to do! Not only working toward a so-called "stakeholder capitalism" but towards mature, sustainable and responsible lifestyles!

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August 2021

Logo St Angela's College St Angela's College Students group photo

University for Home Economics and Global Citizenship Education

June 19 was the day of the new National Centre of Excellence for Home Economics in Sligo, Ireland. Now the largest university for home economics, sustainable and responsible lifestyles and global citizenship education. St Angela's University College has a long history in the development of home economics and education on sustainability and responsibility. Working together with the University in Hamar Norway and the Partnership for Education and Research on Responsible Living PERL (including Consumer360Academy), the International Federation for Home Economics IFHE, The Earth Charter, and UNESCO. And a worldwide network of teachers, teacher trainers and researchers.

The IFHE announced that the next international conference after Atlanta USA (2022) will be organized in Sligo in 2024. The university with 1600 students will then meet 1200 teachers, teacher trainers and researchers from all over the world. To talk about consumer governance "from fork to farm"!

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July 2021

Dante Alighieri, La Divina Comedia La Divina Comedia Dante 700

Dante Alighieri 700 - From Problems to Solutions (Divina Comedia)

Dante Alighieri died 1321 September 14 as the greatest writer of all times. His masterpiece of writing the Divina Comedia is the story about travelling through hell and purgatory towards paradise. From problems through crisis management towards the celebration of solutions. The road we walk through life from time to time during our lifetime(s) biography. A story which is described in many books throughout the centuries before and beyond Dante. And even described more in detail in all kinds of religious and esoteric scriptures.

We can recognise these things when looking back on our own biography, on the ups and downs we experienced in life. Development is only possible by trial and error of course. And even on an ever higher level, in the same way a weightlifter taking heavier weights each time trying to become stronger. So this can also be seen as the big picture for everyone of us, for all organizations, and for the world as a whole! As in China the same character is used for crisis and for chance, it is about our own character of course and the possibilities for change!

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June 2021

Ich bin ein Berliner John F Kennedy quote quality education

Life(s)Long Learning Starts in School - UN SDG4 World Congress in Berlin

UNESCO and Education International organised the first international congress about introduction of consumer education in school curricula. Because everyone of us is co-creator, citizen and consumer as well, learning starts already in early childhood with playing shop and shopping and thinking about to buy or not to buy, saving and investing. Education International is the organisation of all 32 million teachers worldwide and UN SDG4 is about quality education for all.

Interesting to remember is that President John F Kennedy was the one who pronounced the Consumer Rights in 1962 March 15 which is since then Consumer Rights Day. A year later in Berlin he gave the inspiring speech about the fight for freedom at the Berlin Wall with the empathic words "Ich bin ein Berliner" (I am a Berliner) to trigger people to fight for freedom and responsibility. As consumers living in the 21st century we now have to learn to say "I am a consumer" and learn to manage our freedom and responsibility as an ongoing lifelong learning process, developing in accordance with all other developments in the world.

The conference in Berlin was about consumer freedom, consumer rights and consumer reponsibility. About all aspects of consumer governance to be implemented in all school curricula. To help the next generation(s) becoming world leaders in responsible production and consumption! To get all the tools for working on the future they want.

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May 2021

Celestial Planting Calendar Eko and Demeter logo's Food on table

3D Farming Fast Forward - Efficient Organic Dynamic

Worldwide more and more supermarkets are expanding their product range with more organic food. Because more and more consumers are becoming interested in healthy food and healthy lifestyles, Albert Heijn (AH XXL), in the Netherlands, ALDI in Germany, Walmart in the USA and even more and more supermarkets in China are presenting wider product ranges than ever before! The UN Sustainable Development Goal SDG12 (Responsible Consumption and Production) in progress! Note well that responsible consumption is mentioned first. That means once and for all that we are living now in an economy of question and answer, the essence of demand and supply!

Basic principle of all questions about food and agriculture is of course the human being him/herself. The why how and what questions are: why am I living at all? How do I want to live this life, what do I need for my lifestyle? According to food the answers are to be found in quality quantity and price, the basic principles of all consumer-producer dialogue of trade. Especially quality is the most important question of the 21st century!

Looking to conventional, organic and biodynamic agriculture we can understand the differences in an earth- nature- or/and cosmic orientation. Which can also been seen as a learning process from materialism to holism. But also a path of integrating the three dimensions towards an efficient-organic-dynamic agriculture. Looking to the earth the environment and to the sun and the moon AND the planets around us. Shall we call it 3D agriculture? Or price-quantity-quality oriented agriculture?

To substantiate all those questions more and more consumers are even interested to co-finance shops and farms and especially the goods for the next month (stock in the shop) as a kind of subscription. We introduced that kind of financing already in 1980 to give the bank credits of Triodos Bank a sustainable basis, making consumer-questions visible and reliable.

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April 2021

Dialogue cartoon Round table earth

Consumer Producer Dialogue - Towards an Economy of Question and Answer

Last month worldwide there were many conferences about consumer-producer dialogue! The 21st century of consumer governance began! Making an economy of question and answer into a reality of daily dialogue! Not only in politics (Bernie Sanders USA or Jesse Klaver in the Netherlands) but also about food and housing (in Germany the Verbraucherzentrale of Nordrhein Westfalen), about money during the Global Money Week (which is organized by the OECD), the UNESCO conference in Berlin together with Education International about integration of Sustainable Development Goals in school curricula). Consumers International is inviting all parties to come together for working on change. Worldwide more and more organizations, politicians and companies are working towards dialogue, towards a future we want but have to create it too! From small local initiatives to big organizations and even worldwide! A very very interesting start of the 21st year of the 21st century!

In 2011 we already wrote about the way we saw the modern consumer coming into more action. But now we can see more specifically that "maturity" is not a moment but a process! Nevertheless it is interesting to look back for a moment .....

"We are living in the middle of an interesting time! Worldwide the post-war generation is going to retire. Especially the students that protested for a better world in the sixties and have done their jobs in business, politics or culture have now a lot of time to get creative on another level! Especially ceo's, politicians or the chairman of some cultural or scientific organization who have a lot of experience are now free to speak about their real thoughts about society. And because of modern social media more eager then ever to join the problem-solving in the 21st century!

But even more interesting is that almost everybody is going into a higher gear of activism! Not only the movements of the Arab Spring or the Occupy (together with Adbusters Magazine of Kalle Lasn who also started the Buy Nothing Day years ago), but also many people as members or not-members of organizations in public transport, medicare, food, education, politics, housing etc. etc. are more and more talking and acting towards more sustainability and responsibility!

We have entered the 21st century of maturity where the human being is starting managing his or her own life and all kinds of relations in society together with other people now also in all kinds of economical/financial, political and cultural issues. As consumers, citizens or cultural creatives we are more active in dialogue and decision making including the responsibility of what our money is doing in the world. Towards an economy of question and answer where we are learning every day to ask better questions to get better answers (sustainable products and client-oriented services)".

March 15 was again Consumer Rights Day since President John F Kennedy proclaimed the first consumer rights bill in 1962: the right to safety, the right to be informed, the right to choose, and the right to be heard. Today there are even more rights including the right of consumer education.

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March 2021

Soziale Plastik, Joseph Beuys Sled, Joseph Beuys Chair, Joseph Beuys

Everyone is an Artist - Joseph Beuys 100

Worldwide expositions on Joseph Beuys are now extra remarkable in a time of crises and new developments! Beuys worked lifelong on all issues about creativity of the human being, about creative thinking and arguing, and about creative organizations. Social Arts as the highest form of art itself! Especially the exposition in Barcelona Spain (26/2 - 23/5) is highly interesting already because of the title: Radical Teaching, Direct Democracy, Social Sculptures. To learn about Beuys, his thoughts and his sculptures and works of art is far from easy but more than worth trying! To express non-materialistic issues in materialistic compositions is art on the highest level.

Understanding globalization, consumer-producer relations, processing from farm to fork and the essence of (consumer)education, communication and governance are difficult to explain too when we want to express all the relations between people, materials and processes, between trade and transport, and consumption in the end. Shelley Sacks from Oxford University for instance worked with Beuys and made an expression made of 10.000 bananas to show the world connections between farmers in America and consumers worldwide. Art can be more impressing than any other explanation of economic, social and cultural relations between people. About consumer governance, government governance and corporate governance. Not the Art of War (Sun Tzu) of modern capitalist economies but the Art of Association and Cooperation between consumers and producers, trade, banking and money. Art as a basic tool for consumer governance and financial literacy. Basis for true prices and true incomes. Basis for sustainability and responsible lifestyles! Basis for consumer education!

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February 2021

The threefold social order The economic, political and cultural systems Liberté Égalité Fraternité

Consumer-Citizen-Creator: Body Soul and Mind of Society

In the 21st century we had a turbulent start with terrorism, financial crisis and now a pandemic coming to an end. But now we are really starting "maturity" in the way it was meant to! We are consumer citizen and creator. Creating new ideas and plans for bottom-up initiatives, finding other people and arguments around us, starting millions of new organizations. Thinking Talking Tasking is over and over again a three-steps process or inward spiraling process. From the infinity of ideas via the discussions with the future public or circle of clients towards the implementation of a project. Including the financing! And not to forget the Why How and What questions as we learned from Simon Sinek (TEDx). Looking forward through the eyes of a Donut as Kate Raworth (TEDx) presented for recognizing enough income for a living and not too much consumption for helping the earth to survive. And even all kinds of organizations worldwide are now promoting change for a future we really want! United Nations, Consumers International and many others.

In 1919 just after the disastrous First World War it was Rudolf Steiner (first lectures about biodynamic agriculture, free waldorf education and modern visions on society and even finance and banking) who discussed with managers and politicians in Germany and Europe how to work towards a better future could be realistic IF the basic principals of the human being would be recognized. Head heart and hands are the expression of thinking feeling and willing. In organizations to be recognized in management organization and production. In society in science, politics and economy. The first has to do with personal freedom, the second with equality amongst people, the third with working together with other people. Liberte Egalite Fraternite. In english: Freedom Equality and Brotherhood (working together in a world of division of labour).

Most problems in the world can be found where these principles are not respected. Freedom is the essence of science education and communication. Not the essence of economy. Equality is the basis for law and order, the relations between people, Or international relations between countries. Equality does not help people to express their own thoughts and arguments. Brotherhood is essential in worldeconomy to work most efficient. Brotherhood is not meant to connect economics with politics or even education. Of course these three areas have to work WITH each other but not in each other.! Then only then we can see a society which works in the most optimal way!

Most interesting is that more and more people are going to recognize these basic principles. Steiner already said so in 1919: if people do not want to hear the idea of threefoldness they will learn it by themselves - the hard way. That is what we see today and it is ok! Experience is the best way to learn how things work! That is maturity! That is do-it-yourself. That is the 21st century! That is creating the future we want! The great problems of the last fourty years were only material for exercising and getting wiser and stronger!

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January 2021

solar eclipse

Maturity - The 21st Century and the Corona Crisis

A consumer vision on corona as phenomenon and image of the actual worldcrisis. Especially as an issue of development of humankind and the individual human being.

See the sun behind the moon during a solar eclipse - that is what is named the corona. The corona is the ring of light surrounding and beaming over the disc of the dark black moon. Blackening the sky and the sun the moon now represents death and materialism.

It gives not only a marvellous picture of the world of light behind, above and around the world of matter. Sunlight represents insight, the science of everything. Mind over matter! Because those who have the highest (read: widest) overview can understand mind AND matter, spiritual and material sciences and their relationship between ideas and realities.

For instance: behind a great factory we can see the ideas of its founder, the planning and design, all the organizational principles and planboards, talkings and reportings.
But only in the end of the process the physical buildings, working people and final products and services. Including the bookkeeping. In other words: Money is realized mind!

The same connection between mind and matter can we see when meeting a crisis or illness in our personal life or within an organization. Mostly occurring in the well-known 7-years rhythms connected to the planets (which represent motion and time versus the order of space represented by the fixed 12-zodiac). We can recognize those rhythms in our own biography too.

Illness, bankruptcy, being fired or getting an accident or even wartime and being a fugitive. In many great stories written by people who had those crises in extreme forms can learn us to understand the why, the how and the what of a crisis. Why me? What have I done wrong that triggered my situation? Or what issues of a former life do I have to repair? How can I understand it and find the arguments and the roads towards a solution? And what can I see as the result after the crisis, being the next phase in my biography? Only months or years later we can find the answers on these questions and understand.

Understand that we really can appreciate a crisis as a growing period towards a higher level of being ourselves. Like the chinese sign for crisis is also the sign for change and opportunity. Becoming better instead of the old person that we were before. Becoming the one we are in the deepest sense! As a person, an organisation or even humanity as a whole.

The so-called corona crisis 2020-2021 could well be THE process of dying and resurrection of mankind into the first century of maturity! More than ever people want to know everything, find all the arguments, and take the best possible decisions now! The last 20 centuries are now history. The centuries of religions, politics and marketing, pharao's/priests and kings and marketing managers who were the managers of daily life in a broader sense. But today every human being is his/her own manager, has his/her own responsibility! And all kinds of consumer organizations are now the platforms for all our questions and dialogue with producers of all kinds: production of goods, services, politics or ngo's for all other issues.
Towards an economy of real questions and real answers instead of supply and demand only.

Responsibility for our own health and fitness, choices of real good food, choices of social responsibility, democracy and human aid when necessary. Responsible lifestyles and relationships, and sustainable organizations. And last but not least: what to buy or not to buy, to save or to lend, to give or to receive.

Money is the mirror of all our decisions, the mirror of who we are and want to be! Yesterday, today and planning tomorrow. Corona time is an opportunity for reflection and meditation, of planning and organizing.

Peter Daub


During a solar eclipse one can experience two different feelings. The first period of darkening it is getting more and more quiet in nature. All the birds stop their talking. Even a chilling feeling of death surrounds us! After the corona experience (watched through dark glasses) the world is real changing! Birds are starting singing in the most beautiful ritms! We ourselves experience that life is really coming back in our hearts and lungs! A new life has begun!

Corona and a solar eclipse


December 21 is the great conjunction between Saturn and Jupiter (21 years after the last one). It looks like a "handover" of the outer planet with the "overview" to the planet of "management". As if the Great Creator hands over the management of the future to the human being, the citizen, the consumer, the cultural creative! Maturity has become reality!

Michelangelo: God creates mankind
Michelangelo: God creates mankind

December 2020

Book cover Ralph Nader Ralph Nader TED Talk 2020 Public Citizen

Ralph Nader - Looking Back - and Forward on Consumer Advocacy and Social Change

Ralph Nader the wellknown consumer advocate who wrote the book Unsafe at Any Speed. It was published November 30, 1965. It was Ralph's first book. And it was the book that launched the modern consumer movement. Just before the worldwide student revoltes. March this year he gave a highly inspiring TEDx speech for all of us and the future we all want. Looking back to what happened in the last 40-60 years in the world economy and how the consumers/citizens worldwide were wakening up to prepare for the 21st century. Talking about all the crises in which we are now, struggling to find and create human and real mature solutions and institutions for the future. And forward on how the future we want could look and how we could work to achieve our own personal goals including the Sustainable Development Goals.

Nader was also a frontrunner being one of the founding fathers of the Green Party in the USA and even going for president more than once! He studied law at Harvard and Princeton, is now 86 and still going strong! He fought for us against the unlawful aspects of many big companies and now helping the debate for a realistic democracy in the US and worldwide. But especially to be a frontrunner and example of how consumers/citizens could and should be interested, informed, enthousiast and active themselves in the 21st century and beyond! To become rebels with a cause every time when necessary!

Realistic thinking about the economy and the world as a whole has its starting point in our own life. As human beings we are cultural creatives, citizens and consumers. Creative in education and development, citizens in discussions about laws and rules to coordinate the world between each other, and consumers in the discussion with trade and production in order to get the "stuff" we need. Maturity in the 21st century has a name: consumer governance. Period.

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November 2020

Maastricht Peter Daub Responsible Consumption and Production

Consumer360Academy For Consumer Education - 40 Years of Catalizing Change

Consumer360Academy is still a very small organization but working as a catalyst towards many greater organizations working on consumer education one way or another. Although an advisor or catalyzer never knows what his impact is, he can become enthousiast every time when an organization goes in a more positive direction. Especially when that organization survived a crisis in which the adviser was asked for assistance by co-thinking.

Consumer360Academy has its roots in 1980 when its founder Peter Daub (then working at Triodos Bank) started his research on what a consumer would need for making decisions about to buy or not to buy. Which information, which arguments are needed to make the best possible decisions in everyday shopping and financial decisions? The answer is as simpel as it is. All decisions are based on 12x7x3 aspects, 12 necessities of life x 7 aspects of trade x 3 directions in development (past present future). This organizational structure is not only basis for consumers but also for all other organizations in production, trade, banking, politics, ngo's and society as a whole as well. So daily planners and moneymanagent agenda's can be one piece of paper! The rest of the website is information for lifelong learning.

The book Consumer Freedom and Responsibility written in 1998 was the result of this research and the start of the Free Consumers Association in 2001, later given the english name Consumer360Academy in 2004 with the start of the website. Last September now also connected to Economists4Future and Fridays4Future, the worldwide initiative of Nobel Prize winner Greta Thunberg. The (sub)title Consumers4Future is meant to give a name to every consumer worldwide who chooses for a sustainable and responsible lifestyle to help build the best possible future for him/herself and for the next generation!

November 11 the Library and Archive will start to be accessible for researchers on consumer history. The newspage of the website in itself is already a comprehensive archive of the last 40 years of history about consumer information, consumer initiatives and organizations, and consumer education. It is THE most simple Toolkit for every consumer to organize his/her daily life including all financial data in the MoneyManager360.

Consumer360Academy has worked together with many organizations worldwide and will continue to do so. Most important organizations for consumer education are the International Federation for Home Economics IFHE, the Partnership for Education and Research on Responsible Lifestyles PERL, and the UN SDG Partnership Exchange.

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October 2020

Building Triodos Bank Triodos Bank Logo

Triodos Bank 40 Years - Pioneers In Sustainable And Responsible Banking

Triodos Bank is one of the first banks that was founded to finance pioneers for a better world. Pioneers such as Demeter biodynamic farmers, Waldorf schools for free education, Anthroposophical healthcare, art, sustainable buildings and energy and all other kinds of innovative initiatives worldwide. Especially projects and organizations where all stakeholders are involved INCLUDING the financing by prepayment, lending or subsidising. For instance by prepayment of food and nutricion for the next month which is in fact the clients own part of the stock ready-to-buy. Or co-financing on the background by giving a guarantee that money will be paid in case of problem situations, assistance in continuation or phasing out if necessary. Crowdfunding avant la lettre! For consumers in the 21st century! Triodos Bank was also the birthplace for what is now called Consumer360Academy, celebrating 40 years of consumer education.

Triodos Bank is also one of the founding fathers of the Global Alliance for Value Banking GABV, a network of banking leaders from around the world committed to advancing positive change in the banking sector. Collective goal is to change the banking system so that it is more transparent, supports economic, social and environmental sustainability, and is composed of a diverse range of banking institutions serving the real economy. Founded in 2009, there is a growing network, with banks, banking cooperatives and credit unions, microfinance institutions and community development banks joining from many parts of the world.

GABV members have one thing in common: a shared mission to use finance to deliver sustainable economic, social and environmental development, with a focus on helping individuals fulfil their potential and build stronger communities. Members are deeply connected to the people and the communities they serve and are accountable for the risks they both take and create for the people who use their products and services. Focusing on inclusion puts basic banking products in service of a greater number of people, rather than highly sophisticated products in the hands of a few.

The GABV comprises of 63 financial institutions and 16 strategic partners operating in countries across Asia, Africa, Australia, Latin America, North America and Europe. Collectively they serve more than 70 million customers, hold over $210 billion USD of combined assets under management, and supported by more than 77,000 co-workers.

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September 2020

Winston Churchil - If you're going through hell, keep going Future we want UN75 2020 and beyond

75 Years United Nations and the Future We Choose.

In 1945, August 15 the Japanese signed for piece and a better future after World War 2 on the battleship USS Missoury. October 24 the United Nations were founded together with 51 countries. In 1956 and 1973 Japan and Germany became members as well. Today almost all 196 countries are member of the worldwide dialogue about the Future We Want. In 2015 they decided to go together for the 17 Sustainable Development Goals 2015 - 2030 towards the Future WE Choose! (Booktitle Christiana Figueres). The book Alternatives to Economic Globalization / A Better World is Possible by 21 world thinkers and coordinated by John Cavanagh and Jerry Mander started the first World Social Forum in Porto Alegre Brazil in 2001. A first constructive start of consumer/citizen conciousness and responsibility (we met them in Stuttgart 2004). In the years that followed also education started up worldwide in schools and in society about mature, responsible lifestyles. In 2017 the manuscript The Freedom to be Free by Hannah Ahrendt was discovered and published, a research document about what has to be done after a revolution or a war. About the management of building the future! The UN Assembly meeting in New York September 21 will be titled: The Future We Want - The UN We Need.

The human being is always in progress becoming a real co-creator! From Adam and Eve untill today and beyond. (Arnold Toynbee - A Study of History). From the thinking of the Greek, the civil rights by the Romans and the start of economic globalization and trade since Marco Polo and the Market Hall in Venice (and Paciolo the founder of bookkeeping) the human beings became "heads hearts and hands" in managing the world. From the Renaissance in the 14th century, the American and French Revolutions in the 18th century toward the globalization of production today reaching a deeper level of working in the world as a whole. And towards the 21st century of maturity the individual consumer/citizen came into the spotlights. To take his/her own responsibility for searching all possible information, all relevant arguments and trying to take the best possible decisions to buy or not to buy! Since 1960 the protests came but also most national consumer organizations to look for all information on products and services and on consumption itself. From 1970 onwards consumers organized themselves in all kinds of specific initiatives and organizations around shops, schools, medical centres, etc etc. In 1980 and beyond all kind of innovative banks (GLS Bank Triodos Bank and our own MoneyManager360) and all kinds of financial structures came into being, in the 21st century all kinds of organizations started consumer education on schools and for adults (PERL, IFHE, Consumer360Academy). The Partnership for Education and Research on Responsible Lifestyles PERL was a worldwide network of researchers and teachertrainers (we joined them in 2006) that worked especially towards new curricula for schools. Much of their expertise and knowledge later adopted by the International Federation for Home Economics, EU and UN and Consumers International. All expertise is of course available to all organizations and all schools and all of the consumers/citizens of the world family!

For the individual consumer we suggest the next twelve directions of further development and innovation:

01 RELIGION: Emancipation of Everyone! / Basics of ALL Religions (Martin Buber: Ich und Du)
02 ART: Thinking in Solutions! / Everyone is a Co-Creator! (Joseph Beuys)
03 SCIENCE: From Materialism to Holism! / From Geometry to Projective Geometry (Olive Whicher)
04 EDUCATION: Become who You are! / From Montessori to Waldorf Schools (Rudolf Steiner)
05 HEALTH: Eat and live Healthy! / Institute for Positive Health (Self Management)
06 FOOD AND NATURE: Towards 3D Agriculture! / Efficient-Biologic-Dynamic (Demeter)
07 HOUSING: From Cubic to Tangential Organic Architecture / Google "Sandcastle" Amsterdam (ING Bank HQ)
08 FINANCE: Past Present Future - Buying Lending Donating / Three ways of Financing - in Greek tri-odos (Triodos Banks)
09 TRAVEL: For Production For Trade For Consumption
10 COMMUNICATION: Free Thoughts Free Press Free Dialogue
11 HUMAN RIGHTS: From Romans to Revolutions to Consumer Rights (Freedom to be Free, Hannah Ahrendt)
12 ASSOCIATIONS: Consumer Trade Producer Together in Cooperations / True Price and Sustainability (UN SDG)

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August 2020

Stakeholder Engagement Stakeholder Online Course Sustainable Development Goals

Stakeholder Engagement and the 2030 SDG Agenda (Forword E-Learning Course MOOC)

The United Nations 2030 Agenda for Sustainable Development, and the 17 Sustainable Development Goals (SDGs) at its core, reflect the aspirations of millions of people from all over the world, for the world they want. Civil society, major groups and other stakeholders, showing unprecedented commitment and dynamism, made concrete contributions to the intergovernmental process that resulted in the adoption of the 2030 Agenda by Heads of State and Government in September 2015. Therefore, the 2030 agenda is an Agenda "of the people, by the people and for the people" and it is expected to be implemented with the participation of "all countries, all stakeholders and all people".

The 17 SDGs cut across several interlinked challenges. Tackling climate change and achieving sustainable production and consumption patterns, for instance, are central to the implementation of the 2030 Agenda and can unlock vast potential for economic growth in all regions and for all people. Creating peaceful and just societies are cornerstones of the 2030 Agenda, with the interrelation between security, humanitarian action and development being the very basis for the achievement of all SDGs.

The success of our collective journey to 2030 will greatly depend on how effectively Governments, who are in the driving seat of implementation of this transformative and universal agenda, engage national parliaments, local authorities, indigenous peoples, civil society, the scientific and academic community and the private sector in follow-up and implementation efforts and bridge the gap between people's needs and national policy setting.

The multi-stakeholder nature of the 2030 Agenda demands an enabling environment for participation by all, as well as new ways of working in partnerships to mobilize and share knowledge, expertise, technology and financial resources at all levels. This publication, which adapts the content of an e-learning course (Massive Open Online Course / MOOC) developed by the United Nations Department for Economic and Social Affairs (UN DESA) and the United Nations Institute for Training and Research (UNITAR), is designed for government officials and stakeholders interested in enhancing participation and inclusion in the implementation and followup of the 2030 Agenda at all levels.

It contains key information about participatory approaches in SDG implementation and provides concrete tools and methods in this regard. Ensuring concerted action is critical as we embark upon the Decade of Action to deliver the SDGs. We hope this publication can be a supporting tool in this regard.

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July 2020

Text World Economy Cover World Economy Cover Rethinking Economics

China to Europe - From Top-Down to Bottom-Up

In the history of mankind developments came from the east and went to the west. Especially thanks to the Silk Roads and Marco Polo. But today and tomorrow hierarchical thinking and the "Art of War for Managers (Sun Tzu) are outdated. The new mantra of DIALOGUE (Dutch: Polderen) is the modern way of communication. In culture, democracy and ........ doing business.

Exactly 100 years ago Rudolf Steiner gave many lectures and courses for economy students about how we can create the future we want. About the three basic laws of freedom in culture, equality in democracy and lawmaking, and cooperation and association in all economic relations between consumer, trade and production or service (French: liberte egalite fraternite). As simple as it is! For our individual way of living, for organizations and for society as a whole. The 21st century is the time to learn why freedom and responsibility are the basis for maturity. From top-down structures towards bottom-up decision making. Consumers/citizens asking the questions, organizations giving the answers. Not vice versa!

Today the Corona crisis worldwide shows us that we have to take our own responsibility also in medical issues (even the UN World Health Organization WHO has introduced the new mantra: consumer healthcare is about managing your own healthcare).

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June 2020

Time Magazine Bookcover Humankind - A Hopeful History Rutger Bregman

This is the Moment to Change the World

This is the text on the frontpage of Time Magazine last month and the main article written by the historian and writer Rutger Bregman. His fifth book Humankind - A Hopeful History is now translated in English and was already a bestseller in the Netherlands. Big changes mostly begin in the middle of great crisis (note: the chinese character for crisis is also the character for the possibility of change). During the Great Depression of the 1930's, the Second World War and the Great Recession of 2008 the whole world became significant "Upgraded" in international relations, culture and economy. Now in the middle of the Corona crisis we can see again many new initiatives of cultural, social and economic relations worldwide! After every human illness or crisis we can often see the person or organization getting better - better than before! That is what we call the essence of development.

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May 2020

Consumers International World Consumer Rights Day Tag cloud people, environment, sustainability

Consumers International Change Network

The newly launched Change Network is a global group of diverse organisations from civil society, governments and business, together with members to tackle specific consumer challenges and opportunities faster.

Invited progressive organisations are joining as founder associates to help shape the future now. By coming together, in partnerships on the right topic, at the right time, making real change happen.

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April 2020

Nations Unies CoP 2015 Book cover 'The Future we choose' Christiana Figueres and Tom Rivett-Carnac

The Paris Climate Agreement And The Future We Choose

Christiana Figueres was the one who made the Paris Agreement fit for agreement by all stakeholders. She did all the talking to help everyone and every government to say YES to the agreement on stopping the climate crisis. Now she has written a bestselling book HOW we ourselves as consumers can help to fix the crisis in a most comprehensive way, through a more sustainable and responsible lifestyle. But Christana Figueres and Tom Rivett-Carnac who was the architect of the UN agreement are both optimistic that we will be succesful as consumers, together with all our producers and governments.

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March 2020

Responsible Consumption and Production Cave Circle of people

Economy - From Neanderthal to Life(s)Long Learning

Lifelong learning is a hot item in education, business and even in politics today! Especially learning children on financial literacy promoted in March every year during the Global Money Week, organized by OECD/INFE. To learn how to manage your necessities of life and how money reflects what you choose to buy or not to buy. To recognise all aspects of sustainability and responsibility, and so creating your life in harmony with the whole world around you.

When we were Neanderthalers in prehistoric times we already had to make those same choices on what we really needed and how we could divide all necessary labour to meet those needs. And although money did not yet exist by then, in our minds we were already perfect bookkeepers to recognise what should be reasonable or not. Today we should say: a reason-able income is a right, but in those times we had to do calculating in our mind to find the "true price" when exchanging labour against products.

Last year we introduced the MoneyManager360 as a toolkit for household bookkeeping and as an overview on all necessities of life. Especially useful for the individual consumer. This February we introduced it as a toolkit for classroom games on home economics, also meant as an eye-opener to understand local economies and world economy as well. By playing it in a group of twelve people to divide the work for making all necessary goods and services. Then we have the most direct way to learn and understand economy. Working in a group also gives a much deeper insight in all aspects of the twelve necessities of life, the seven aspects of trade and of all possible connections in between. And of course the overview where everything fits together in a most harmonic way! The game gives a lively picture of economy and finance, the moneymanager is the most simple and easy bookkeeping sheet or daily bankaccount when used in an app.

The classroom game can be played in a natural environment, in an open air museum or a museum for education, or in the classroom. First by talking about everybody's needs and about reasons and reasonabilty (round 1). Then everybody can make an offer to make a specific product or service based on his/her own expertise and capacity (round 2). The next round all aspects of trade can be discussed such as quality, quantity and delivery (round 3). Then all products and services can be translated into amounts of money representing the worth of it (round 4). Finally can become visible how everyone's income should be reason-able for the reasons to buy the necessary necessities of life (round 5). Lessons learned can be discussed in combination with possible options for product development, or efficiency.

Especially interesting is that we are always playing four different roles in the worldeconomy. Most of us as consumer/citizen and producer/service provider, some of us as trader /transporter or banker/bookkeeper. And by playing this game we can understand worldeconomy much better! The twelve necessities of life and the seven aspects of trade are the basic eye-openers for home economics, business, politics and the big picture of worldeconomy! The game will be further promoted this year and beyond. Our website contains all ingredients for lifelong learning!

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February 2020

Economic Forum Annual Meeting Davos 2020 Stakeholders For A Cohesive And Sustainable World

Stakeholders For A Cohesive And Sustainable World
Wake - up call for consumers/citizens

Davos was again host for the World Economic Forum, now celebrating their 50th year! Klaus Schwab started this forum by inviting managers from business politics and ngo's in 1970, just after the protests of 1968, but two years before the report of the Club of Rome! A visionair who saw the need for a platform for the necessary dialogues on the future we want, this time not only inviting shareholders but ALL stakeholders of the worldeconomy. And that's about us! Because ALL consumers/citizens are in-the-end responsible for what is happening in the world. Because consumers are the ones who are paying 100% of all the products and services in the world, directly or indirectly via taxes, assurances, etc.

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January 2020

Climate Change Strategies 2020 COP 25

Climate Change Strategies In The Making

From New York to Santiago de Chile to Madrid to Glasgow. A sailing trip around the world for Greta Thunberg, promoting climate against economic growth only, quality of life against quantity only. She was Person of the Year 2019 in Time Magazine, proudly on the frontpage! But the COP 25 conference in Madrid did not go so well, and no decisions were made yet. But the will to change strategies was strong and most voices sounded loud and clear to take the necessary decisions in favour of the climate and a maximum rise of temperature of 1.5 degrees Celsius. We will hopefully see that at the COP 26 conference in Glasgow, Scotland 9 - 19 November.

But the most important decisions have to be made by ourselves, as consumers! We are free to choose, but also 100% responsible for all decisions we make. To buy or not to buy is our daily mantra: to find all necessary information, to discuss all relevant arguments, to take the best possible decisions about quality, quantity and price. It is all about the quality of life, for all people and for the planet! Only when we ask the best questions, we can hope to get the best answers. Working from an economy of supply and demand, towards an economy of question and answer!

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December 2019

A Warning by Anonymus Common Sense by Thomas Paine Statue of Liberty

Consumer/Citizen Responsibility - The Basis for the Future We Want

Published November 19 just after the impeachment hearings in Washington, these words are at the heart of the epilogue of the bestselling book "A Warning" written by Anonymus, a senior Trump administration officer who took the courage to write this book as a warning for all of us consumers/citizens worldwide. A warning that we are all responsible not only to choose the governments best fit for governing, but also to keep being involved in what happens year by year, minute by minute. Thomas Paine already said so in his book "Common Sense" published 1776 when the United States were founded. He also signed his book as an anonymus: "written by an Englishman".

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November 2019

French Revolution Enough is enough Capital and Ideology

The New French Revolutions

The French Revolution of 1789 was about inequality. And all the revolutions this month in Lebanon and Santiago de Chili are about inequality too. So what's new(s)? Thomas Piketty wrote a new book on how to manage property between individuals and society, with the intriguing title "Capital and Ideology". A 1200 page book on capital and property (english edition will be published in 2020 March 10). About the billions earned by means of more and more efficiency and innovation should not be the property of individuals, but of society as a whole. To reinvest in innovations of new products and in education of future consumers and producers who will shape the society we want. Some enterprises are already changing their mission statements to make money work for all, by asking labourers and consumers to participate in their decisionmaking.

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October 2019

UN Building UN Climate Summit 2019 Greta Thunberg

Greta Thunberg at the UN Climate Summit - From Goals to Actions

The UN Climate Summit in New York was about action instead of debate alone. Especially inspiring were the protestmarches of schoolkids around the world to call for action! Greta Thunberg, the 16 year old "viking" schoolgirl from Sweden, presented a short keynote speech spiraling from astonishment to angriness about all the thinking in terms of economic growth alone. She called for action towards sustainability, fairness for all, and especially for action NOW. Because we are running out of time if all scientists are correct in their forecasts. Not only for the next generation, but for all generations to come! Even for ourselves, when we (hopefully) come back in a next life ...

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September 2019

Building ING Bank Dutch Banks Banking App

Banks Promoting Consumer Financial Literacy

ING Bank (see picture) and most other banks in the Netherlands are now promoting sustainability and financial literacy. Through lessons, apps, toolkits and moneymanagers (household and budget booklets).
For expenses only, we developed the most basic MoneyManager360 (see our own website

August 2019

The World Bank World Timezones Building World Bank

24 Hours Econothon - World Economy in the Classroom

All countries and all people in the world have common challenges. In accordance with the SDG's (UN Sustainable Development Goals 2015 - 2030) the World Bank and civil society organisations worldwide work together to find the best possible solutions for a better world. Education, sustainability, levering trade to reduce poverty, and everything else that can help the world economy to be profitable for everyone. In a 24-hour marathon discussion live on the internet, the World Bank discussed all aspects of world development and explained what they are doing to help us make the futures we want.

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July 2019

Sustainable Development Goals Atlas of Sustainable Development Goals 2018 from World Development Indicators Financing for Sustainable Development Report 2019

Sustainable Development Goals - First conclusions after four years

The adoption of the 2030 SDG Agenda was a victory for international cooperation, but most of all for the world's people. The high-level gatherings in September 2019, including the high-level political forum on sustainable development, will give the United Nations a moment to reflect on the first four years of this essential journey. Notwithstanding slow progress, I remain convinced that the Organization can bring the Agenda's inspiring vision to life.

On all fronts, multilateral action is essential. Only together can countries find solutions to poverty, inequality and climate change, the defining challenges of the times. Only together can they bolster their rules-based global trading system and mobilize the technology, solutions and financing needed to achieve the Sustainable Development Goals. Only together can countries transform economies and societies to empower all women and girls, truly benefit all people and preserve the health of the planet.

Let countries make the world gathering in September a moment when they summon the ambition required on climate change, re-energize and refocus their response to the Sustainable Development Goals and step up their commitment to reaching those who are the furthest behind and supporting the most vulnerable countries.

The pressures of the era are mounting; the trust that binds the world is fraying. Today's generations and the next need the world to do better. Fortunately, there is still time to achieve the future envisioned in the 2030 Agenda for Sustainable Development. Let the world find the wisdom, the solidarity and the will to move ahead in order to ensure a life of dignity and prosperity for everyone, everywhere.

(These conclusions will be the basis for the UN SDG Summit in New York 2019 September 24 - 26)

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June 2019

Foreign Affairs Global Internet The world in our hands

Looking for New World Strategies

This month the wellknown magazine Foreign Affairs is all about searching for a strategy for the USA. It is published by the Council of Foreign Relations in New York, which is since almost hundred years the most important advisory board for US foreign policy, It is also very interesting to read for politicians and business people worldwide. And now in the 21st century also highly interesting for NGO's, civil society, consumers and consumer organizations. Because the globalised world now involves all parties. Because we are all dependent on all resources and therefore responsible for all kinds of relations between people worldwide. Searching for new strategies how to work and live together is basic stuff for everyone! Especially now that world politics, world economy and the interactions between all cultures are most actual after the EU elections!

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May 2019

Impulse for the Future Forum3 Forum Theater Stuttgart

100 Years of Social Threefolding - Impulse for the Future

Just after the First World War and the peacetalks in Versailles it was in Stuttgart, Germany that Rudolf Steiner gave many lectures on the basic nature of the human being, of society and of the universe as a whole. These can be recognised as threefolded. Head, heart and hands are our tools for thinking, feeling and willing. The same aspects can be recognised in society: culture, legal life and economy. But the essence is that the corresponding qualities are freedom, equality and cooperation in their own domain. And not in one of the other two! Only then society can work properly. And problems can be solved most efficiently, crises and even wars prevented.

At the conference in Forum3 in Stuttgart more than 500 people were welcomed by the mayor who spoke about the history of Stuttgart, where many of Rudolf Steiners ideas were already introduced from 1919 onwards in a variety of products and organizations. Waldorf Schools, biodynamic agriculture, Weleda medicines and natural health products and much more for all necessities of life.

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April 2019

Global Money Week How does money make your world go round? Global Money Week 2019

Global Money Week, Financial Literacy, MoneyManagers and More ...

Since 2012 the Global Money Week helps children around the world to learn financial literacy. On what sorts of information you need and what arguments are relevant to take the best possible decisions to buy or not to buy. In almost all countries around the world children could visit stock exchanges, banks, and money museums. Or take classes on financial literacy: spending, saving and subsidising. Or learn all about income, taxes, insurances and all kinds of earnings and savings.

For all the (future) consumers of the world we ourselves launched the MoneyManager360. The most complete but also the most simple overview of all expenses for all necessities of life. The new extra domain-name redirects to the homepage of our website where you can find the moneymanager (one small excel sheet only, download for free). All the other pages of the website are in fact background information for taking decisions.

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March 2019

Earth Earth from space Earth Centre

The Whole World's a Stage and Every Human Being a Mere Player! (Shakespeare in the Earth Theatre?)

In February it was the premiere of the Rotterdam Academy of City Astronauts going on tour through the Netherlands. A highly interesting experience on how astronauts are looking at the earth as a stage on which we live together with consumers. And how fragile she is! And how important it will be to reach at least the SDGs in 2030. Especially when we observe the world as astronauts we can get the right feeling about the urgency and the best possible overview of all problems and possibilities.

Thanks to the great storytelling of initiator Marjolein van Heemstra the bigger picture of human development becomes very real and highly motivating! And who wants to see the Earth from the astronauts perspective themselves a visit to the unique Earth Theatre in Kerkrade (Netherlands) is recommended.

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February 2019

World Economic Forum Conference room Davos Insider

World Economic Forum - Another World in the Making

It was in Davos again that all aspects of how to achieve a better world according to the SDGs were discussed. Almost all discussions were enthousiastic, constructive and relevant in themselves and in relation to the worldwide questions. Too much positive developments for a journalist to decide on what to report! So please look at the website of the World Economic Forum yourself to experience the vibration of Another World in the Making!

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January 2019

The New Silk Roads

The New Silk Roads - Production Trade and Consumption in the 21st Century

The future of globalization will depend mostly on where commodities are found, trade routes are developed and cultures cooperate, coexist or "clash" with each other. The bestselling masterpiece Silk Roads (2015) was about the past, this book The New Silk Roads (december 2018) is about the future. A must-read for everyone who is interested in the economical roots of globalization and human development.

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