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Nick Carducci for U.S. Senate 2026

Risk-free depositaries, royalties instead of debt, and end the fed's unemployment mandate!

Tax the Rich (remove tax deductions, tax corporations as income), assuming that to cut spending is a pipe dream. Bonds make the rich, richer. Wouldn't banning invoices lessen prices?
Replace debt with royalties on sales (like Mr. Wonderful does on Shark Tank sometimes), instead of paying interest and late fees in the beginning. Wait for the customer to make money.
In the event of defaulting on a loan, the lender can only take what they are owed from the sale of the collateral's market value; for instance, the equity returns to the borrower who couldn't keep up with their payments, and so that they can benefit from the equity in their investment.
Why is spending more a good thing to economists?

Shrinkflation causes bad growth

When you need to eat or spend more to survive.
Some growth, like debt that’s paid on time relative to an industry and beyond the cost of living, is good because it by new competition, but that’s not what has happened. Is producing more better if the deflation doesn't outweigh the costs? Is spending only good if it deflates by new competition? What is economic stability? Should interest rates match new money? Is there a limit to inflation and hours worked?

Stop collateral, lease, and warranty

Let's start with banks not lending my deposits. Never surrender third party donee beneficiary.
Stop inflation

Retire, refine, remit!

A New Candidate says Free Rider Mutable Taxes make China and Russia interested in Taiwan and Ukraine and wants a Geohash Descriptor Protocol

Nicholas Matthew Carducci is running for U.S. Senate in New Jersey with a new tax policy (taxparty.org) to retire social security where income taxes lower by 1/78th annually (where young people rather make a deal to end FICA income tax minimums for 1/78 lower income taxes annually while fulfilling social security liabilities which as of 2023 is $23t)social security liabilities can be paid by wealthy retirees instead of an income tax (even a guaranteed minimum income), refine Medicaid where the Hippocratic Oath, namely for sutures and natal care by business protocol, is to replace most of medicaid to be actually free less transplants (without medicaid inpatient standardized guarantee schemes and medical bills), and he wants to end the fed where the Federal Reserve should be the only lender; he wants the central bank to pay for any deficit, while tax rates rise to remit the year before (a continuing resolution with a deficit isn't Article 1 Section 8 uniform constitutional because of growing interest payments). He generally leans right on government spending and left on monopolies (venues are the real monopolies, and so landlords should be limited in quantity and not necessarily price), wanting very easy immigration policies (yet doesn't mind a border), hating unemployment benefits (as corporate welfare), and calling for depositary- instead of depository-banking (so commercial banks do not lend deposits). He thinks bills surrender the right to own of third party donee beneficiaries (interest payments need new money to work) and debt should be paid by industry, instead of late fees while student loans are assessed by degree, and mortgages auction borrower equity away from the commissioned lender-realtor. Was the 2022 federal deficit $1.4t or $2.8t expenditures less receipts? He thinks consumer, government, and some corporate debt is not only unsustainable but it’s inflationary (Are rising real product wages inflationary? Does shrinkflation cause economic growth? Does the economy grow by cutting taxes because of the deficit? Is new production better than used trade? Why are economists obsessed with real income? Isn’t labor costly and at an unnatural point wasteful?), while industry recourse royalty is potentially materially beneficial or deflationary, wholesale collectives do not bargain when doctors’ appointments overbook and pharmaceutical deals expire, and it's best to make the central bank the only lender of bills, no notes nor bonds. In order to run for office under the banner-slogan “Risk-Free Banking”, Nick Carducci needs 741 more signatures! (change.org/nickcarducci) He would prefer to discharge student debt to bailouts, as well as liquidate compound interest, that is: end unemployment benefits, rentals, debt, and insurance, or finance, overall.

He’s earned a political science bachelor degree JHU with an economics minor in 2015 (he thinks interest payments requires new money), as well as learned public finance and international law at Monmouth University. He is the product manager of Thumbprint.us social calendar, Quick.net.co bookkeeping facility, Vaults.biz industry assessment, and Scopes.cc contract manager. He also invented a voting system that allows for anonymous voting, and plans to get a professional accounting MBA to become a CPA.

His opponent incumbent Bob Menendez has been tried twice for bribery (How did Bob Menendez persuade the insurance fraud prosecutor to resolve the prosecution more favorably to the defendant Uribe without jail time nor charges? What kind of pressure was applied as supervisor in 2019? Bank fraud is bonk because insurance adjusters need to do their own appraisals/credit checks. Insurance fraud is not. Is USDA prosecuting their own monopoly with IS EG Halal Certified, Inc.?) and has an animal rights policy stance for horses that stops short for lab rats with the human right to try without prescriptions. He thinks Trump should have gotten a permit for his own rally-riot and is guilty of knowing current election technology is unprovable unless he says erroneously, "elections are auditable" and requests a recount. He thinks the employee retention and paycheck protection program was free labor, and unemployment benefits are unfair to workers and savers. He says a "national sales tax" means no business and real property deductions, just gift tax exemptions.


He says we will likely win because 65% supported Occupy Wall Street; that's 95% among non-voters.
1992 - 2020
NJ ELIGIBLE TURNOUT versus
reconciliation powers
NO RECOURSE LOANSthumbprint logoBankingisnot.Biz
He aspires to deflate the economy and retire low unemployment forever (vaults.biz/gdp) with technology and fiscal policy to cut out compound interest in order to make balancing the budget at most an annual deficit. Earlier than a certain point (NAIRU) on the Phillips curve of unemployment (x) to prices (y), employment is no longer deflationary (Is joblessness or unemployment a problem due to benefits costs? Do small businesses get unemployment benefits? Do unemployment benefits come from third party taxpayers and savers? Where does the government get its money?).

Although he is running for a federal position, he thinks state government is free rider mutable other than suiting-plaintiffs; sales tax can be supported by a geohash-descriptors for accounting software. He believes in a single-party divorce and tort reform, whereas the fault is of a right to try. Nick also wants to force politicians to abstain from voting when they have above $100k share ownership in a government contractor to benefit.He says non-voters reconcile past budgets, by default, and shrinkflation erroneously causes economic growth, so GDP growth per capita is abnormal, nor natural and neutral. Finally, he postulates a 3% return per dollar-checking by current revenuedata.doi.gov. He wants a bank that doesn't lend his deposits, where depositaries instead function for a one-time fee as a receipt of the consortium.Student debt is owned by the treasury, garnishes social security, and compounds interest for late fees - but without bailouts and for payday loans you only pay when you start working in the industry your degree is in. We will not default because current dollars would return 3% given current drilling in WY, NM, and UT public lands. He wants Hryvnia for U.S. arms dealing. He is starting Saver Party (saverparty.com or taxparty.org) for resource conservation. He thinks student debt should be assessed to recourse by industry merchant category code like business for sales, and communications for marketing.

Compound interest is an unnecessary recourse against the freedom of other's purchasing conveyance. He advises to liquidate collateralized and limited partnership foundation assets before default, and under default he will make the borrower the equity holder, and the mortgage lien-holder a mere realtor.

Landlords are "rent-seekers" above five 1 bathroom units, office-floors, and storefronts; without this surrender, prices would be much less than 9x to build to buy, he says (price/((average hourly earnings*hours worked)/employees)).
He wants to pay back SSA over a lifetime, by age, with a wealth tax for retirees; then, he would move us to truncated progressive tax $60-600, after deflation to 1950's level.

He supports regulating monopolies, not prices. He says we will have to pay back Social Security to in a lifetime because that’s how it’s taken in.

Insurance is elastic towards price for expiring and overbooking wholesale collective bargaining like money is. Now short-term rentals are limited, admitting some quantity instead of price monopoly of build to sell - implausible use leases landlord liquidity Microfinance blackrock.

He wants to force landlords to sell and doctors to oath private practice sutures, obstetrics, and transplants for free. Landlords get 5 condos, stores, and/or office-floors maximum, he says, because implausible use is rent-seeking. You can still own as much as you want, without property-tax, as sewage and trash removal are free rider mutable. He wants to force sutures (including obstetrics and maybe transplants) for medical private practitioners as Medics for all, not tax single payer, bills Medicare for all, nor universal healthcare fines.
He believes the birth rates a lifetime ago made the Holodomor, the Great Leap Forward (80m/(1950-1928) == 3m/year * 5 years == 15m), Covid, and will make another “pandemic” in 2025 by two periods of 20% increases 5 years apart (Why doesn’t “baby boomer” start in 1941?).humanharvest.infoHe wants to save borrowers from foreclosure by making lenders sell for them with a realtor commission, or refinance if lower.

Fair Haven, NJ