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Escrito a las @ 2:28 AM el dia 1 Diciembre 2010 por admin

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Los estudiantes de economía conocen de carrerilla, valga de redundancia, el célebre carrete o capital por rédito o interés por tiempo o plazo, que es como decir C x r x t conelque se calculan los préstamos o créditos, que se puede redondear con laque por mi cuenta y riesgo llamo fórmula filosofal o madre de laque se derivan las demás fórmulas: el capital final es igual al capital inicial por 1 mas intereses o rédito por plazo o tiempo Cn = Co x (1 + r x t) obviamente enla misma base cálculo, de forma que año esla unidad 1 ó fracción, por ejemplo 6 meses son 0,5, la mitad, y lo mismo por meses y por días teniendo en cuenta que el año comercial son 360 ó 1/360; ylo mismo el interés o rédito en tanto por ciento expresao también en decimales. Por ejemplo la Seguridad Social sigue siendo el 4,7 % de cada nómina ó 0,047 de cada € teniendo en cuenta que la cuota empresarial ha sido pulverizada por la Situación, pues las instituciones y sociedades administrativas recaudadoras nunca han pagao y los estafadores de la pirámide de Madoff se han tirao como fieras a las pensiones para intentar salvar sus privilegios, sus propios planes de pensiones en losque selas descontaban, también pulverizaos en los maquillajes contables convirtiéndolos en hedge funds variables bloqueaos por años y en apariencia beneficios que además se descontaron en dinero mientras mantienen bloqueaos el resto. Si el producto interior bruto, PIB de España, lo que producimos cada año es 1 billón € a la inglesa, 100.000 millones que al menos facilitan los cálculos, de enero a agosto 2010 se habían ingresao en concepto de Seguridad Social 3.500.000.000 € que a diciembre deben ser 4.700.000.000 € y lo mismo se podría hacer con el impuesto sobre el rendimiento de las personas físicas, IRPF y eldel valor añadido o IVA, que en el mismo cálculo hasta agosto supuso 66.000.000.000 €, dato publicao casi milagroso con laque está cayendo. Debe ser para Europa gran dolor perder 1 estado de nuestras características, capaz de doblar su población total durante apenas 1 trimestre, pues el turismo es estacional, momento en el que pueden viajar juntas las familias, y que además explica que siendo el IVA el 15 % y el IRPF el 18 % ó parecidos, pues son variables, los ingresos o recaudación casi se duplican o triplican con otros impuestos o tasas por el mismo cálculo. Sí, nuestro IVA es gigantesto en relación a las otras cuentas o ingresos totales de la llamada administración, nuestra economía es como esos cangrejos que tienen 1 pinza enorme. ¿Cuál esel problema? Cuando los analistas financieros evalúan las primas de riesgo o seguros alos grandes préstamos internacionales, imprescindibles enla financiación, se piden por algo o para algo, normalmente multiplicar ese dinero, hacerlo crecer de forma que al devolverlo en sus plazos y con sus intereses, además se han obtenido beneficios empresariales o propiedades que siguen siendo capital que se suma al interés o rédito, 1 cargo adicional, aunque se descuenta del total, o sea, el préstamo se parte en 2, 1 cantidad grande y otra pequeña que se da al asegurador, precauciones que se toman normalmente los grandes bancos en su doble función, prestamistas y aseguradores que hacen sus dictámenes en relación al de Alemania, que también los paga y también se lo han subido por defender al resto Europa, pues su economía va bien aún en dificultades el resto y tienen fama de excelentes pagadores, gran cultura contable además, eslo mismo que los bancos menores cuando encargan dictámenes, siempre a cuenta delque recibe el préstamo o crédito, o sea, pequeñas cantidades que se descuentan de la cantidad total y por tanto se suman al interés a devolver, miran las bolsas, los sempiternos mercados pero también o más el producto interior bruto o PIB que se declara el estado, en España lo mide el llamao Instituto Nacional de Estadística, el INE que contrae esa responsabilidad rigurosamente penada, aunque lo que ha pasao puede haber sido con conocimiento o consentimiento de partes. La crisis de Grecia estalló en mayo 2010, durante la lamentable presidencia de España en Europa porque había falseao los datos desu PIB, o sea, producía menos que lo que se declaraba y lo mismo Irlanda en noviembre 2010. Imagínese cada 1 consiguiendo 1 crédito a base de falsear sus ingresos. lo que hizo Europa capitaneada por Ángela Merkel, pero también Gordon Brown en Reino Unido nacionalizando parte de sus bancos, igual que Obama en Estados Unidos con su propia deuda, fue algo así como asegurar a inversores y aseguradores de grandes fondos, los hedge funds, casi los mismos, que los préstamos se iban a devolver en sus plazos, convertiéndose en el asegurador de los aseguradores con fondos de reserva o rescate muy voluminosos, los 700.000.000.000 € y 600.000.000.000 $ de losque se habla y que, aunque devalúen el valor de las monedas respectivas, incluso con el riesgo añadido de las guerras de divisas, de momento y por fortuna menores, pueden servir para tranquilizar los ánimos y restablecer la confianza mutua y buena fe que debe presidir los actos comerciales según las leyes, desde los más nimios, o deberían pues sólo se alcanza la perfección, así llamada, cuando vendedor y comprador quedan satisfechos con cada acto y repiten. Sólo falta que los aseguradores capitales ya perdidos, lost de bancos y estafas pirámide como lade Madoff empiezen a pagar lo que aseguraron yno sus estados de referencia. Es lo que hay, que nadie quiere esa bosta aseguradores queno pagan lo que aseguran y noles prestan a ellos ni asus estados de referencia y hacen muy bien. Yaen mayo 2010 le dijeron a Rodríguez desde muchos frentes que sospechaban que también había falseao sus datos, como Grecia e Irlanda, aunque de maneras diferentes, desde la crisis inmobiliaria de 2007 con la caída de la construcción yel desastre en el empleo, seguida de la bancaria a finales 2008 que no se quiso reconocer como propia, algo que en Grecia y recientemente en Irlanda va a llevar a la cárcel muchos responsables, ya digo, muy penao lo suyo y además sin componendas locales que valgan pues afecta al resto y quiebra la buena fe que debe presidir las relaciones comerciales. Está mal visto que sean otros dirigentes de otros estados losque intervengan pero no se van a ir de rositas en las votaciones, como ni siquiera losque lo hacen bien como Brown, quizás el más injustamente tratado, al que el tiempo carga de razones, ni mintió ni tembló cuando tuvo que intervenir de forma que en Reino Unido son víctimas de los demás, como Portugal y Alemania. Con España bajo sospecha desde mayo 2010, en otoño también le calcularon el desfase del PIB, aproximadamente el – 14 % además del – 3,7 % declarao que es lo que los analistas de las primas de riesgo se están descontándo en los préstamos, realmente el disparo de la crisis de la deuda, ruina que porla tozudez de los dirigentes más mentecatos que se recuerdan, han llegao a cortar el grifo de forma que es prácticamente imposible para España conseguir financiación a 2 años vista pero sí a 10. El único valor que se puede comparar con el dinero esel tiempo: es lo que perdemos todos a costa de algunos.

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