A VD LE FALTA TOMAR ..ALL BRAN .
De forma que el finançament català depèn del dèficit estatal?
O sigui, ens espolien quan hi ha superàvit i quan no.. també
I en relació amb la crisi ... cal esperar que passi....Aquest és el comentari més recent del Govern espanyol .Genial¡¡ Creatiu , professional . Una mostra de passotisme .
Cinisme o incompetència? Cinisme i incompetència.. Crec que el responsables econòmics han de prendre All Bran.
dimecres, 23 de juliol del 2008
dilluns, 21 de juliol del 2008
34% DELS JOVES TENEN FEINES PER LES QUE ESTAN SOBRE QUALIFICATS.
34% DELS JOVES TENEN FEINES PER LES QUE ESTAN SOBRE QUALIFICATS.
20 de juliol de 2008 .
He llegit a La Vanguardia que el 34% DELS JOVES TENEN FEINES PER LES QUE ESTAN SOBRE QUALIFICATS. Carrera, MBA, postgraus, anglès, alemany.. i després feines mal pagades i per les que no cal haver estudiat tant...
El % d’universitaris de cada generació ha passat del 24% l’any 1995 al 35% el 2005 i en els cicles formatius del 2 al 17%...
Els experts diuen que contractar una persona molt preparada augmenta el risc de desmotivació i rotació... Conclusió : si et intel·ligent, i et vols formar molt i pots fer-ho , vés- te d’aquest país. Si ets enginyer pots anar a Alemanya on sembla que manquen..
El talent no es paga.. L’altre dia varen fer un acte al Palau de Pedralbes per a les famílies, els centres i els alumnes que havien obtingut més d’un 9 a les proves d’accés a la Universitat, les PAU... El discurs va ser un clixé tan conegut que gairebé em vaig adormir.. Que si els professionals del futur, que si Catalunya, que si els reptes...
Com no canviem les coses aquest serà un país de tercera . La solució : recerca i desenvolupament, tecnologia, sectors estratègics, educació .....
Jordi Delcor ,PhD
20 de juliol de 2008 .
He llegit a La Vanguardia que el 34% DELS JOVES TENEN FEINES PER LES QUE ESTAN SOBRE QUALIFICATS. Carrera, MBA, postgraus, anglès, alemany.. i després feines mal pagades i per les que no cal haver estudiat tant...
El % d’universitaris de cada generació ha passat del 24% l’any 1995 al 35% el 2005 i en els cicles formatius del 2 al 17%...
Els experts diuen que contractar una persona molt preparada augmenta el risc de desmotivació i rotació... Conclusió : si et intel·ligent, i et vols formar molt i pots fer-ho , vés- te d’aquest país. Si ets enginyer pots anar a Alemanya on sembla que manquen..
El talent no es paga.. L’altre dia varen fer un acte al Palau de Pedralbes per a les famílies, els centres i els alumnes que havien obtingut més d’un 9 a les proves d’accés a la Universitat, les PAU... El discurs va ser un clixé tan conegut que gairebé em vaig adormir.. Que si els professionals del futur, que si Catalunya, que si els reptes...
Com no canviem les coses aquest serà un país de tercera . La solució : recerca i desenvolupament, tecnologia, sectors estratègics, educació .....
Jordi Delcor ,PhD
MONTILLA I EL FINANÇAMENT
FINANÇAMENT
Aquest matí he vist les declaracions de l’Honorable Montilla en el congrés del PSC. Li va parlar molt clar al President Zapatero: no li agrada com sonen les primeres notes de la música del finançament autonòmic.
Montilla no sembla in personatge brillant però pot ser té altres qualitats : té força de voluntat i determinació : aprèn català, accepta lliçons de català però no de catalanisme. Pertany a una generació de nou vinguts determinada a integrar-se.
Si tenim una Catalunya de destí, amb una visió de País, de futur haurem superat un model de catalanisme “genètic” per una de Catalanisme de futur. Això exigeix abans de res, diners, finançament. Sense diners tot són jocs florals, disputes dialèctiques i una economia estrangulada, espoliada per un centralisme dictatorial i imperialista...
Una altre qüestió és el model de País. Això encara és més difícil però anem pas a pas.
Si el Sr. Montilla aconsegueix finançament just, el primer pas estarà donat davant de tots el espanyols : els catalans (inclòs els d’adopció ) reclamen un tracte just.
Aquest fet pot neutralitzar en part la campanya d’alguns mitjans de comunicació intoxicants. ..
Força , Sr. Montilla, té el meu suport, el d’un independentista. No ens decebi .
Nota : CDC creu que tot això és un montatge entre el PSOE i el PSC.....
Jordi Delcor PhD
Aquest matí he vist les declaracions de l’Honorable Montilla en el congrés del PSC. Li va parlar molt clar al President Zapatero: no li agrada com sonen les primeres notes de la música del finançament autonòmic.
Montilla no sembla in personatge brillant però pot ser té altres qualitats : té força de voluntat i determinació : aprèn català, accepta lliçons de català però no de catalanisme. Pertany a una generació de nou vinguts determinada a integrar-se.
Si tenim una Catalunya de destí, amb una visió de País, de futur haurem superat un model de catalanisme “genètic” per una de Catalanisme de futur. Això exigeix abans de res, diners, finançament. Sense diners tot són jocs florals, disputes dialèctiques i una economia estrangulada, espoliada per un centralisme dictatorial i imperialista...
Una altre qüestió és el model de País. Això encara és més difícil però anem pas a pas.
Si el Sr. Montilla aconsegueix finançament just, el primer pas estarà donat davant de tots el espanyols : els catalans (inclòs els d’adopció ) reclamen un tracte just.
Aquest fet pot neutralitzar en part la campanya d’alguns mitjans de comunicació intoxicants. ..
Força , Sr. Montilla, té el meu suport, el d’un independentista. No ens decebi .
Nota : CDC creu que tot això és un montatge entre el PSOE i el PSC.....
Jordi Delcor PhD
diumenge, 20 de juliol del 2008
CRISI : CINISME O INCOMPETÈNCIA
CYNICISM OR INCOMPETENCE? : CINISME O INCOMPETÈNCIA
Here we go again. The herd of economists telling what happened, why .. when it is too late. And some pretentious arrogant jerks pretend that Economy is a Science¡¡¡ They have not studied enough Mathematics, Physics or Chemistry... They do not know what the scientific method is : make an hypothesis, design many experiments , make sure the model works without exceptions and your hypothesis becomes a theory..
Economy does not work that way. Too many factors, inefficient models and very little control . And always why it happened.. afterwards.
Basically very low interest rates triggered investment and expenditure. Spanish businessmen decided to invest on house building. Pure imagination. Some got 5000 Million € on credit loans.... More than 600000 new flats a year. The financial institutions gave easy credits to be returned in 30, even 40 years. The requirements to get a loan were almost nonexistent... lso, luxury cars were paid with 30 year loans¡¡¡¡¡ People started to spend more money than was advisable from their incomes. It seemed an endless wonderland. A politian said that Spanish people wer e a lot richer¡¡¡¡¡
Real state prices increased to a level which meant the same monthly mortgage payment than previously, when interest rate were at a 15% but 2 things had changed : instead of 10 years we were talking of 30 and interest rates were at a 2-2,5% .. Financial decisions were taken by individuals without considering that interest rates would go up.. probably to a 5-6%.
The internal demand stopped (too many flats to be bought) and money stopped flowing. The financial crisis exploded in the States due to doubtful payments. Financial institutions do not have money so they had to give high interest rates (6%) to get it from the market.
Now, inflation has increased due to the energy crisis. The ECB wants to control inflation and keeps on pushing the Official Interest Rate. EURIBOR increases consequently. Oil by costs by the way are made of aprox 70% taxes and 30% raw materials+ hand labour. Pure speculation... I wonder what the Irak's war has to do with it.....
Now, one for the so called ecologists : Bioethanol implies less cereals available so food prices go up.
Less financial resources slow down the Economy.. Bankruptcies, job losses...
It will take long to sort it out.. One thing is sure : The Government will not do it : 2 months ago, the Spanish Economy Minister said that it was a "periodo de problemas transitorio". (temporary period of problems). Now he has said that "this is the most complex crisis we have ever had"
A change of view like that is due to two possible causes : incompetence(? ) or cynicism.. What feature is best for a Minister? Would a lady Minister change things? Is it question of sex? As the Goverment has run out of ideas ( have you alreday spent your 400 € which were supposed to boost the Economy?) a lady Minister would give some colour to that dismal picture.
Knowing that the government cannot solve it (they do not have a long term strategy, just keep the power), we have to find our own way out..
In the new series of posts I will suggest some actions . I would appreciate if you provide useful ideas.
Jordi Delcor , PhD
Here we go again. The herd of economists telling what happened, why .. when it is too late. And some pretentious arrogant jerks pretend that Economy is a Science¡¡¡ They have not studied enough Mathematics, Physics or Chemistry... They do not know what the scientific method is : make an hypothesis, design many experiments , make sure the model works without exceptions and your hypothesis becomes a theory..
Economy does not work that way. Too many factors, inefficient models and very little control . And always why it happened.. afterwards.
Basically very low interest rates triggered investment and expenditure. Spanish businessmen decided to invest on house building. Pure imagination. Some got 5000 Million € on credit loans.... More than 600000 new flats a year. The financial institutions gave easy credits to be returned in 30, even 40 years. The requirements to get a loan were almost nonexistent... lso, luxury cars were paid with 30 year loans¡¡¡¡¡ People started to spend more money than was advisable from their incomes. It seemed an endless wonderland. A politian said that Spanish people wer e a lot richer¡¡¡¡¡
Real state prices increased to a level which meant the same monthly mortgage payment than previously, when interest rate were at a 15% but 2 things had changed : instead of 10 years we were talking of 30 and interest rates were at a 2-2,5% .. Financial decisions were taken by individuals without considering that interest rates would go up.. probably to a 5-6%.
The internal demand stopped (too many flats to be bought) and money stopped flowing. The financial crisis exploded in the States due to doubtful payments. Financial institutions do not have money so they had to give high interest rates (6%) to get it from the market.
Now, inflation has increased due to the energy crisis. The ECB wants to control inflation and keeps on pushing the Official Interest Rate. EURIBOR increases consequently. Oil by costs by the way are made of aprox 70% taxes and 30% raw materials+ hand labour. Pure speculation... I wonder what the Irak's war has to do with it.....
Now, one for the so called ecologists : Bioethanol implies less cereals available so food prices go up.
Less financial resources slow down the Economy.. Bankruptcies, job losses...
It will take long to sort it out.. One thing is sure : The Government will not do it : 2 months ago, the Spanish Economy Minister said that it was a "periodo de problemas transitorio". (temporary period of problems). Now he has said that "this is the most complex crisis we have ever had"
A change of view like that is due to two possible causes : incompetence(? ) or cynicism.. What feature is best for a Minister? Would a lady Minister change things? Is it question of sex? As the Goverment has run out of ideas ( have you alreday spent your 400 € which were supposed to boost the Economy?) a lady Minister would give some colour to that dismal picture.
Knowing that the government cannot solve it (they do not have a long term strategy, just keep the power), we have to find our own way out..
In the new series of posts I will suggest some actions . I would appreciate if you provide useful ideas.
Jordi Delcor , PhD
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