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-~~DISCUSSION|Weitere Fragen oder Anmerkungen?~~
 ====== Frequently Asked Questions (FAQ) ======
-===== General questions =====
+\\
+===== Index =====
+  * [[#general_questions|GENERAL QUESTIONS]]
+  * [[#issuance|ISSUANCE]]
+  * [[#payment|PAYMENT]]
+  * [[#acceptance_redemption|ACCEPTANCE, REDEMPTION]]
+  * [[#critique|CRITIQUE]]
+\\
+===== GENERAL QUESTIONS =====
 ==== What is Minuto? ====
@@ Line 12: / Line 20: @@
 Idea and concept by: https://minutocash.org/
-==== Can Minutos only be redeemed at the respective issuer? ====
+==== What are the target groups for Minuto? ====
-Similar to the euro, the Minuto voucher as a medium of exchange can travel from person to person hundreds of times before it is redeemed at the respective issuer. Each person has the freedom to accept or reject the vouchers. However, the issuer of the respective voucher is obligated to redeem it within its period of validity. The issuer can provide any kind of service. The main thing is the satisfaction of the people involved.
+Between close friends, people have always helped each other without money. This should also remain like that. Minutos therefore work best amongst friends and in the extended circle of friends, provided that mutual services have already been charged and/or paid for (barter ring, regional money or regular money). In other words: Minutos work in social networks where people trust each other. As trust grows, so does the circle of friends. Minutos are especially suitable for people who want to support the economic activities of the region, who have many skills but have lost their job, who feel that after reaching retirement age the active life goes on, who do not want to use money for neighborhood help or who feel joy in realizing creative ideas.
-==== Does the issuer have to write all of its service offerings on the vouchers? ====
-The issuers's stamp print should show the profession and/or activity in addition to the address and/or telephone number. The indication of an Internet address is recommended. The occupation on the stamp acts like an advertisement. As the voucher circulates, the imprint is read. If the stamp does not indicate an occupation, we recommend writing at least 3 service offers on the back of the vouchers. This supports a high acceptance of the Minutos.
+==== Does it make sense to save Minutos? ====
-==== Are the guarantors generally obligated to redeem the Minutos? ====
+Short-term saving over a few weeks or months can make sense for larger purchases. Long-term saving of Minutos does not make sense because the validity of each voucher ends after a few years.
-No. Guaranteeing a voucher means having to provide an equivalent service if the issuer and his legal successors (heirs) are unable to provide a service, for example in the event of: Inability to work or earn, "address unknown" or death. The stamp imprint of the guarantor is at the same time also advertising for the offers of the guarantor as well as an expression of social networking and solidarity.
+==== What is understood by "quality work"? ====
-==== What's the validity of a Minuto voucher? ====
+In a performance-oriented society based on the division of labor, the duration of work is insufficient as the sole measure of value. Therefore, the indication of minutes on the vouchers is linked to the terms 'quality' and 'performance'. 60 Ninutos are equated with 30 Euros (August 2010), i.e. a middle value between a highly specialized and a less specialized activity. However, the payment for a service offered will always depend on what value it has for other people. Over time, through supply and demand, appropriate prices will be found. The principle applies: Everything is a matter of negotiation!
-Each voucher has a registered validity limit. Newly created ̈Minutos are valid for 5 years (to be precise, until the end of the year of issue plus 5 years). The issuer may repeat the redemption obligation and create new Minuto according to personal needs. The quantity of Minutos in circulation as well as the coverage of the vouchers is in this way individually defined by each person.
+==== Business use / Taxes ====
-==== Can a voucher redeemed by the issuer be used a 2nd time? ====
+For business use, you need the conversion rate, see [[en:conversion|How to convert]].\\ It can make sense to accept only a percentage in minuto, so that enough euros are taken in to be able to pay expenses, taxes, etc. Learn more about the [[en:business_use|business use]] of Minuto.
-If the voucher is valid for more than 3 years, the issuer can use the voucher repeatedly. As soon as the validity period is shorter than 3 years, the issuer destroys the voucher after redemption. Due to this rule, participants of the network practically never receive vouchers that are about to expire.
+==== How are sales in Minuto taxed? ====
-==== Do you have to issue Minutos to participate? ====
+The Minuto is designed to optimize neighborly help and the exchange of friendly turns. Sales of this type are usually tax-exempt.\\
-The use of vouchers is as voluntary as the acceptance of Minutos as payment for one's own services. More important than issuing are offers in the region. Service providers are paid with vouchers for their services. Through their performance they receive Minutos, which they can spend again with other providers.
+Business owners can also use Minutos. Commercial transactions in Minuto are subject to tax in the same way as in conventional currencies and are paid in them. The recommended conversion rate for accounting purposes is: 60 minutos = 30 Euros (Aug 2010). In some municipalities it is already possible to pay taxes in complementary currencies. Learn more about the [[en:business_use#taxes|taxation]] of Minuto for business use.
-==== Is there a minimum age to issue Minutos? ====
+==== Can retail stores also participate? ====
-Some young people are more capable than many adults in particular areas of expertise, such as computer operation. If, in addition to accepting the vouchers, young people also issue Minutos themselves, it should be noted that the guarantors must always be of legal age.
+Yes, it is possible. A sign can be placed in the entrance area of the store. (There is a print template for this.) This will indicate the zip code area whose vouchers are usually accepted. However, in the longer term, business owners will only accept Minutos if their suppliers also accept Minutos.
-==== How many vouchers should/may everyone issue? ====
+==== Are there current accounts for Minuto? ====
-To be able to pay small amounts one must have enough 1 and 5 Minuto vouchers. It therefore makes sense for each person to issue 10 sheets of vouchers. Each sheet represents 231 Minutos. 10 sheets are therefore 2310 Minutos, equal to 38.5 hours of qualitative work. This corresponds to one working week.
+No. Each individual voucher is a certificate. Legally, it is a 'bearer bond'. Computer use could eliminate the individual responsibility assignment as well as reduce social networking.
-==== Can I buy anything with Minutos? ====
+==== Can anyone download the Minuto files and upload them to their own website? ====
-Minutos are a supplement to the standard means of payment. Many things are temporarily available only with Euros, Pounds, Dollars, Yen, etc, for example, gasoline, heating oil, telephone, electricity, gas, new cars and so on. With each person participating in the Minuto network, the variety of offers increases.
+Yes, because the Minuto files are to be made available in as many places as possible. Minutos are to be issued only decentrally. The central website serves as a contact address for new users, for changes (updates) in the texts and for answering future questions (www.minutocash.org). Whoever wants to develop the Minuto further, please respect the copyright and the copyleft license and give a hint to the administrator of the Minuto website.
-==== Who are the target groups for Minuto? ====
+==== What are the catches? ====
-Between close friends, people have always helped each other without money. This should also remain like that. Minutos therefore work best amongst friends and in the extended circle of friends, provided that mutual services have already been charged and/or paid for (barter ring, regional money or regular money). In other words: Minutos work in social networks where people trust each other. As trust grows, so does the circle of friends. Minutos are especially suitable for people who want to support the economic activities of the region, who have many skills but have lost their job, who feel that after reaching retirement age the active life goes on, who do not want to use money for neighborhood help or who feel joy in realizing creative ideas.
+Instead of a centralized belief system, the Minuto lives through decentralized self-responsibility. This is unusual for many people. Finding new Minuto exchange partners therefore requires compassion and patience. It can be frightening to realize how small the regional product supply is, because almost everything is delivered from very far away.\\
-==== Exchange rate ====
+In the wallet, 2 separate compartments make sense: for your own Minutos and for Minutos issued by others.\\
-Minuto vouchers are based on qualitative human working time, therefore they are stable in value during the validity period. The conversion rate, may vary depending on the region and may also change, for example, due to inflation of the legal currency. The price of a craftsman hour is a rough guide to determine the conversion rate.
+The possibility of making your own means of payment is exceptional and can cause excessive enthusiasm. However, more important than the vouchers are the service offers. This must be pointed out again and again.
-**Recommended conversion rate: 60 minuto = 30€ (as of 2021)**.
+==== Isn't it all too elaborate and complicated? ====
-==== Business use / Taxes ====
+Often at the beginning the argument comes that the thing with the guarantors and the effort to create valid Minuto is too complicated. At the first moment it may seem so, however, a distinction must be made between the use and the creation of Minuto vouchers. The creation of new Minuto is somewhat complex, but the use is very simple and not everyone has to create Minuto to participate.
-For business use, you need the conversion rate. At the above rate, if for example 60 minuto are received, then this corresponds to a taxable cash income of 30€. If these 60 minuto are spent again, this corresponds also again to an expenditure of 30€.\\
+\\
-It can make sense to accept only a percentage in minuto, so that enough euros are taken in to be able to pay expenses, taxes, etc.
+===== ISSUANCE =====
-==== How are sales in Minuto taxed? ====
+==== Do I have to issue Minutos to participate? ====
-The Minuto is designed to optimize neighborly help and the exchange of friendly turns. Sales of this type are usually tax-exempt.\\
+No. The use of vouchers is as voluntary as the acceptance of Minutos as payment for one's own services. More important than issuing are offers in the region. Service providers are paid with vouchers for their services. Through their performance they receive Minutos, which they can spend again with other providers.
-Business owners can also use Minutos. Commercial transactions in Minuto are subject to tax in the same way as in conventional currencies and are paid in them. The recommended conversion rate for accounting purposes is: 60 minutos = 30 Euros (Aug 2010). In some municipalities it is already possible to pay taxes in complementary currencies.
+==== Is there a minimum age to issue Minutos? ====
-==== Does it make sense to save Minutos? ====
+Some young people are more capable than many adults in particular areas of expertise, such as computer operation. If, in addition to accepting the vouchers, young people also issue Minutos themselves, it should be noted that the guarantors must always be of legal age.
-Short-term saving over a few weeks or months can make sense for larger purchases. Long-term saving of Minutos does not make sense because the validity of each voucher ends after a few years.
+==== How many vouchers should/may everyone issue? ====
-==== What is understood by "quality work"? ====
+To be able to pay small amounts one must have enough 1 and 5 Minuto vouchers. It therefore makes sense for each person to issue 10 sheets of vouchers. Each sheet represents 231 Minutos. 10 sheets are therefore 2310 Minutos, equal to 38.5 hours of qualitative work. This corresponds to one working week.
-In a performance-oriented society based on the division of labor, the duration of work is insufficient as the sole measure of value. Therefore, the indication of minutes on the vouchers is linked to the terms 'quality' and 'performance'. 60 Ninutos are equated with 30 Euros (August 2010), i.e. a middle value between a highly specialized and a less specialized activity. However, the payment for a service offered will always depend on what value it has for other people. Over time, through supply and demand, appropriate prices will be found. The principle applies: Everything is a matter of negotiation!
+==== Does the issuer have to write all of its service offerings on the vouchers? ====
+The issuers's stamp print should show the profession and/or activity in addition to the address and/or telephone number. The indication of an Internet address is recommended. The occupation on the stamp acts like an advertisement. As the voucher circulates, the imprint is read. If the stamp does not indicate an occupation, we recommend writing at least 3 service offers on the back of the vouchers. This supports a high acceptance of the Minutos.
 ==== Who prints Minuto vouchers and on which paper? ====
@@ Line 85: / Line 93: @@
 This corresponds to the traditional way to confirm a contract. The color of the stamp impression soaks into the paper and can be seen on the back of the minuto. Real signatures and stamp impression, ideally in color, are security features. They emphasize the credibility of the Minuto. Copied Minutos are not valid.
+==== How do I find the guarantors? ====
+The easiest way is to have mutual guarantors within 4 people (2 male, 2 female). This way everyone gets one male and one female guarantor. In case of larger groups (e.g. in the Minuto Game), larger circles can be formed (group size divisible by 4, equal number of men and women, two men and two women standing next to each other). In general, the trust has to decide.
 ==== What are the three black dots on the template for? ====
 When the template is cut, the horizontal cut goes exactly through these three dots. As a result, each voucher has a half dark dot at the top edge. The dots are arranged so that they are on the far left of the 1 and on the far right of the 120, according to the value of the voucher. So you can see dark lines on the top edge of a Minuto bundle and easily find vouchers of the same value.
+\\
+===== PAYMENT =====
+==== Can I buy anything with Minutos? ====
+Minuto is intended as an interpersonal means of regional payment and is a supplement to legal tender. For the time being, many things will continue to be available only against Euro, Pounds, Dollars, Yen, etc., such as gasoline, heating oil, telephone, electricity, gas, new cars, etc. The same applies to major projects such as road construction. However, with each person participating in the Minuto network, the variety of offers and the number of possible uses increases.
+==== What's the validity of a Minuto voucher? ====
+Each voucher has a registered validity limit. Newly created ̈Minutos are valid for 5 years (to be precise, until the end of the year of issue plus 5 years). The issuer may repeat the redemption obligation and create new Minuto according to personal needs. The quantity of Minutos in circulation as well as the coverage of the vouchers is in this way individually defined by each person.
+==== Can Minutos only be redeemed at the respective issuer? ====
+No. Similar to the Euro, Minuto vouchers as a medium of exchange can travel from person to person hundreds of times before they are redeemed at the respective issuer. Each person has the freedom to accept or reject the vouchers. However, the issuer of the respective voucher is obligated to redeem it within its period of validity. The issuer can provide any kind of service. The main thing is the satisfaction of the people involved.
 ==== How do I know where to spend Minuto? ====
@@ Line 102: / Line 130: @@
 To participate in a Minuto group, you first fill out a form with your own offers. This sheet is then copied and distributed to the other group members. In this way, instead of a central directory, each individual creates his or her own "yellow pages" with preferred exchange partners. Everyone is free to create a list of their own contacts.
-==== Can retail stores also participate? ====
+\\
-Yes, it is possible. A sign can be placed in the entrance area of the store. (There is a print template for this.) This will indicate the zip code area whose vouchers are usually accepted. However, in the longer term, business owners will only accept Minutos if their suppliers also accept Minutos.
+===== ACCEPTANCE, REDEMPTION =====
-==== Are there current accounts for Minuto? ====
+==== What do I do as a provider if someone wants to pay with supra-regional Minuto vouchers? ====
-No. Each individual voucher is a certificate. Legally, it is a 'bearer bond'. Computer use could eliminate the individual responsibility assignment as well as reduce social networking.
+You can accept them, charge a surcharge or refuse them:
-==== How do I find the guarantors? ====
+  * **Accept**, if you are going to make a trip to that region in the foreseeable future or purchase something from there.
-The easiest way is to have mutual guarantors within 4 people (2 male, 2 female). This way everyone gets one male and one female guarantor. In case of larger groups (e.g. in the Minuto Game), larger circles can be formed (group size divisible by 4, equal number of men and women, two men and two women standing next to each other). In general, the trust has to decide.
+  * **Charge a surcharge** (e.g. 10%) if there is a carpool or travel center in your region that offers and exchanges Minutos of different origins, just like with foreign currency. Then you can take these bills to the exchange office and ask for Minutos of your own region. For this service, the exchange office may charge, for example, 5%. - On the other hand, if you are planning a trip, you can ask for Minutos of the vacation region when choosing a ride or buying a travel ticket, and offer time vouchers of your region. In this way, cross-regional networking and compatibility is ensured, while at the same time each individual Minuto voucher tends to the region of origin, thus strengthening it.
-==== Can anyone download the Minuto files and upload them to their own website? ====
+  * **Decline**
-Yes, because the Minuto files are to be made available in as many places as possible. Minutos are to be issued only decentrally. The central website serves as a contact address for new users, for changes (updates) in the texts and for answering future questions (www.minutocash.org). Whoever wants to develop the Minuto further, please respect the copyright and the copyleft license and give a hint to the administrator of the Minuto website.
+==== Can a voucher redeemed by the issuer be used a 2nd time? ====
-==== What are the catches? ====
+If the voucher is valid for more than 3 years, the issuer can use the voucher repeatedly. As soon as the validity period is shorter than 3 years, the issuer destroys the voucher after redemption. Due to this rule, participants of the network practically never receive vouchers that are about to expire.
+==== Are the guarantors generally obligated to redeem the Minutos? ====
-Instead of a centralized belief system, the Minuto lives through decentralized self-responsibility. This is unusual for many people. Finding new Minuto exchange partners therefore requires compassion and patience. It can be frightening to realize how small the regional product supply is, because almost everything is delivered from very far away.\\
+No. Guaranteeing a voucher means having to provide an equivalent service if the issuer and his legal successors (heirs) are unable to provide a service, for example in the event of: Inability to work or earn, "address unknown" or death. The stamp imprint of the guarantor is at the same time also advertising for the offers of the guarantor as well as an expression of social networking and solidarity.
-In the wallet, 2 separate compartments make sense: for your own Minutos and for Minutos issued by others.\\
+----
-The possibility of making your own means of payment is exceptional and can cause excessive enthusiasm. However, more important than the vouchers are the service offers. This must be pointed out again and again.
+===== CRITIQUE =====
-===== Isn't it all too elaborate and complicated? =====
+==== What about elderly or disabled people who can't perform or issue Minutos? ====
-Often at the beginning the argument comes that the thing with the guarantors and the effort to create valid Minuto is too complicated. At the first moment it may seem so, however, a distinction must be made between the use and the creation of Minuto vouchers. The creation of new Minuto is somewhat complex, but the use is very simple and not everyone has to create Minuto to participate.
+When new ideas are introduced, people often unconsciously want a general solution to all our social problems. Minuto is basically just a means of payment with almost ideal properties that ensures that goods and services can be exchanged fairly and efficiently. How people in need of help are dealt with is basically a different topic.
+However, one thing can already be said, since very many of our social problems result from the monopoly position of the current money, in a world with many different means of payment, e.g. like Minuto, many of our problems would not occur at all or they would be less pronounced. Thus, it would be much easier to help people in need, because we would live in more prosperity and would have much more time to help others.
+\\
 Source: [[https://www.minutocash.org|www.minutocash.org]] (partly altered)
+===== Questions? =====
+See our [[en:faq|frequently asked questions]] or post a [[en:discussion|comment]].

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