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CONTRA EL PINGALISMO CASTRISTA/ "Se que no existe el consuelo que no existe la anhelada tierrra de mis suenos ni la desgarrada vision de nuestros heroes. Pero te seguimos buscando, patria,..." - Reinaldo Arenas
Kalinin: haha they had hannaford issue on tv news? Gonzalez: not here Gonzalez: I have triggers set on google news for things like "data breach" "credit card fraud" "debit card fraud" "atm fraud" "hackers Gonzalez: I get emailed news articles immediately when they come out, you should do the same, its how I find out when my hacks are found :) Gonzalez: hannaford lasted 3 months of sales before it was in the news, im trying to figure out how much time its gonig (sic) to be alive for
They shut down our account without any reason
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Mr Stelter and his colleagues do offer some solutions. First, there has to be an acknowledgement that some debts will never be repaid and should be restructured. Holders of the debt, be they countries or companies, should be allowed to default, whatever the short-term pain of such a process.
In social policy, retirement ages will have to increase. People will have to work harder, for longer and should be encouraged to do so by changes in benefit levels that do little – at their present level – to reward work at the margin.
The size of the state should be radically reduced and immigration encouraged. Competition in labour markets through supply-side reforms should be pursued.
Where governments can proactively act – by backing modern infrastructure – they should. High-growth economies are built on modern railways, airports, roads and energy supplies. Allowing potholes to develop in your local roads is a symptom of a wider malaise and cash-rich corporates should be pushed, through tax incentives, to invest their money in developed as well as emerging economies. Energy efficiency – to save money, not the planet – should be promoted.
The critical starting point is to accept the fact that many of today’s debts will never be repaid and to embrace debt restructuring and defaults. Current policies, designed to avoid that outcome, only postpone the ultimate resolution of the crisis and will result in even bigger losses down the road. Better to move quickly and act now, despite the likelihood of considerable near-term pain.
All stakeholders will have to contribute to the necessary cleanup. Creditors and holders of financial assets will have to accept losses. Taxpayers will have to accept higher taxes—with a special burden on the wealthy, because unless politicians begin to address the unequal distribution of income and wealth, they will not have the credibility to implement other painful measures needed to get the developed world back on track. As difficult as that will be, especially for those who have been prudent and saved for retirement, the sooner the developed economies bite the bullet, the sooner everyone will be able to repair their personal balance sheets before they retire. Otherwise, we risk experiencing a lost decade—or more—in which the fundamental underlying problems are not resolved and the value of current savings continually erodes.
• Raise the retirement age. As unpopular as this measure will be, it is the most important lever to reduce future costs. In an era of shrinking workforces, the math simply doesn’t work. The sooner the public knows what to expect, the sooner it will be able to plan for this scenario. Seen in this light, recent political initiatives toward earlier retirement, as we are currently witnessing in France, are extremely counterproductive.
• Reduce social-insurance payments. Even with a higher retirement age, it will be necessary, at least in some developed countries, to also reduce future payouts. Again, the sooner the public has a clear picture of what the changes will be and when, the sooner it can begin to prepare for them.
• Manage health care systems for greater efficiency. In many countries, especially the U.S., health care is the primary driver of increased government spending. But higher spending on health care is not necessarily a sign of better health outcomes. Although the U.S. spends 17.6 percent of GDP on health care, U.S. life expectancy is between 1.7 and 3 years less than it is in the U.K. (which spends only 9.6 percent of GDP on health care) and in France and Germany (which spend 11.6 percent). The health care systems of the developed countries—and not just the U.S.—offer huge potential for more efficiency with no loss in effectiveness. (See “Health Reform Should Focus on Outcomes, Not Costs,” BCG article, October 2012.)
• Increase the efficiency of the social-welfare system. The administrative costs of welfare systems is an area ripe for rationalization. One change to consider is replacing traditional means testing, which can very quickly become highly bureaucratic and resource intensive, with a guaranteed minimum income. An idea supported in the past by liberals such as Martin Luther King Jr. and John Kenneth Galbraith, but also by conservatives such as Friedrich Hayek, Richard Nixon, and Milton Friedman, a guaranteed minimum income has the advantage of eliminating most procedures for means testing and freeing up resources traditionally used in the allocation and distribution of money.
• Free up the public-sector workforce. It is also important to reduce the number of public employees as a percentage of the overall population. In a period when labor will become increasingly scarce, it is critical that as many people as possible actually generate GDP (rather than merely consuming and redistributing it). This is not to say that public-service employees do not contribute to the overall welfare of society. But in a world of scarcity, the tradeoffs become more visible. And government inefficiencies are significant, especially in European countries.
• Implement structural reforms. Besides reforming social-welfare and retirement systems, it is important to maximize the economic potential of the economy. Therefore efforts to increase competition, by abolishing rules that block new entrants, and to increase the flexibility of labor markets need to be implemented fast. According to a study by the IMF, the growth potential of economies in Western Europe could be increased by 4.5 percent over five years through the adoption of such measures.
• Develop smart immigration policy
• Invest in education
• Reinvest in the asset base
• Increase raw-material efficiency
• Cooperate on a global basis
• Launch the next Kondratiev wave
A aquel hombre le pidieron su tiempo
para que lo juntara al tiempo de la Historia.
Le pidieron las manos,
porque para una época difícil
nada hay mejor que un par de buenas manos.
Le pidieron los ojos
que alguna vez tuvieron lágrimas
para que contemplara el lado claro
(especialmente el lado claro de la vida)
porque para el horror basta un ojo de asombro.
Le pidieron sus labios
resecos y cuarteados para afirmar,
para erigir, con cada afirmación, un sueño
(el-alto-sueño);
le pidieron las piernas
duras y nudosas
(sus viejas piernas andariegas),
porque en tiempos difíciles
¿algo hay mejor que un par de piernas
para la construcción o la trinchera?
Le pidieron el bosque que lo nutrió de niño,
con su árbol obediente.
Le pidieron el pecho, el corazón, los hombros.
Le dijeron
que eso era estrictamente necesario.
Le explicaron después
que toda esta donación resultaria inútil.
sin entregar la lengua,
porque en tiempos difíciles
nada es tan útil para atajar el odio o la mentira.
Y finalmente le rogaron
que, por favor, echase a andar,
porque en tiempos difíciles
esta es, sin duda, la prueba decisiva.
“…después de todo, para mí la cárcel es un buen descanso, que sólo tiene de malo el que es obligatorio. Leo mucho y estudio mucho. Parece increíble, las horas pasan como si fuesen minutos y yo, que soy de temperamento intranquilo, me paso el día leyendo, apenas sin moverme para nada. La correspondencia llega normalmente…”
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