PPCC: Pisitófilos Creditófagos. Verano 2023

[Cadavre Exquis]

https://www.pressreader.com/spain/el-economista/20230815/page/3/textview

Un difícil cambio de modelo turístico

https://www.eleconomista.es/transportes-turismo/noticias/12404426/08/23/la-dependencia-del-sol-y-playa-pone-en-riesgo-la-rentabilidad-del-turismo.html

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/banca-finanzas/noticias/12404706/08/23/bbva-se-suma-a-openbank-y-evo-con-la-hipoteca-fija-mas-barata-que-el-euribor.html

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/vivienda-inmobiliario/noticias/12404921/08/23/los-fondos-de-deuda-se-lanzan-a-por-el-inmobiliario-espanol.html

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/mercados-cotizaciones/noticias/12407118/08/23/los-estimulos-de-china-se-diluyen-y-el-mercado-pone-el-foco-en-el-pais.html

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/economia/noticias/12406976/08/23/el-pnv-baraja-apoyar-la-investidura-de-feijoo-a-cambio-de-liderar-el-congreso.html

Saludos.

[sudden and sharp]

Creo que la solucion estructural es fijar la renta de alquiler al 33% del SALARIO MINIMO

Por la misma regla (politica) que se introdujo el salario minimo, primero por pactos sectoriales, para al final fijarlo como norma pública universal,

Ahora se razona el alquiler como un pacto de voluntades individuales, obviando la necesidad vital,

Pero del mimso modo que el soporte del sistema salarial no es el pacto de voluntades individuales, sino un baremo público, inscrito en derecho, y es la base del Estado de bienestar (desde mucho antes de las pensiones) la  traslación al alquiler vendría a hacer lo mismo: usar un baremo público para garantizar la necesidad vital.

Luego se podrá organizar un mercado "libre" de alquiler por encima del baremo público, pero administrado por _empresas_ que crean un valor y levantan / pagan impuestos

Los que son automáticamente ajustados el baremo público son los alquileres de caseros particulares, que no son empresas, no producen nada, no dan trabajo a nadie, Si quieres hacer negocio, primero monta una empresa, paga cotizaciones e impuestos y tú mismo; el mercado es libre.

¿Que salen a protestar los caseros particulares?
Contra qué protestas, infeliz,
-- contra el tope del alquiler al 30% del salario mínimo,  o bien
-- contra lo bajo que estä el salario mínimo ? 

Tú mismo, Ya sabes para qué debes luchar para vivir de las rentas,

Esa medida satisface el criterio de Empresa&Trabajo contra Rentismo,
Es decir, que para introducirla no es necesario una decisión democrática sino un pacto de Empresa & Trabajo, El Estado lo hará como quiera. pero o eso, o huelga (real o de facto por abandono de trabajadores) y fuga de capitales (inversion e impuestos),

.....

Para la compraventa no tengo solución equivalente, Tampoco el precio del pan ha estado nunca fijado públicamente, aunqe se puede uno inspirar de lo que hacen con los precios de la energía.

En realidad se trata simplemente de invertir la subvención fiscal que opera desde hacer 40 años para hacer subir los precios, Porque el popular-capitalismo es un engendro esencialmente financiero, la politica fiscal ha ido a facilitar el desarrollo del sector financiero (desgravaciones fiscales de intereses de particulares, en lugar de tomar un baremo público, como se hizo con el salario mínimo),

Vamos, que se puede hacer, pero el precio de compraventa de vvda es en general indiferente a la Empresa, Los inmuebles son una inversión empresarial, no un "consumo", es decir razona por la rentabilidad de su producto final, no por el precio de los insumos. En todo caso, la intervencion pública se entiende dentro de la politica fiscal (para desarrollar ciertos sectores productivos, en lugar de ahogarlos por costes inmobiliarios excesivos)

No lo veo, Saturno.

Nos podemos quedar con la idea del SMI como referencia y jugar luego en el IRPF. (Del inquilino y del propietario ) Pero requiere consenso. Habría que pensarlo bien.

Y lo de diferenciar entre particulares y empresas.... es ilegal seguro. Otra cosa es legislar que los ingresos inmobiliarios (del alquiler) son siempre pseudoempresariales... requeriría consenso también.

Lo que no se puede es expropiar sin justiprecio, que es en el fondo lo que tú propones... y ojo, sólo para lis pequeños propietarios. Eso no puede ser.

[Derby]

https://www.bloomberg.com/news/articles/2023-08-15/china-s-138-billion-shadow-bank-spirals-at-terrible-time-for-xi#xj4y7vzkg

China’s $138 Billion Shadow Bank Spirals at Terrible Time for Xi

*Zhongzhi unit fails to make payments on investment products
*Shadow bank continued to invest in property as rivals cut back

Founded in 1995 as a lumber business, Zhongzhi Enterprise Group Co. grew to become a financial conglomerate with more than 1 trillion yuan ($138 billion) under management. Now it risks becoming the latest Chinese financial giant to fail.

The under-the-radar group, often dubbed China’s Blackstone by local media, operates at the heart of China’s once high-flying shadow banking market, which regulators have sought to corral since 2017. The firm has now raised alarm bells across Chinese markets after affiliated firms missed payments on some investment products.

Investors aren’t the only ones spooked by the implications of its possible demise. Chinese authorities have already set up a task force to study any possible contagion, with the banking regulator examining risks at Zhongzhi, according to people familiar with the matter.

Zhongzhi is one of the last free-wheeling private wealth managers that Beijing has been trying to rein in to minimize risks for the hundreds of thousands of retail clients who bought these high-yield products assuming they were safe. The timing couldn’t be worse for Xi Jinping’s government, as China is already struggling with a weak economy and fall out from the moribund property market that’s threatening to push giants like Country Garden Holdings Co. into default.

Zhongrong International Trust, part owned by Zhongzhi, is among the biggest firms in the country’s $2.9 trillion trust industry, which pools savings from wealthy households and corporate clients to invest in and make loans to real estate, stocks, bonds and commodities. The firm, which has missed at least two payments, has 270 products totaling 39.5 billion yuan due this year, according to data provider Use Trust.

This is “the one that everyone knew was going to blow up,” said Jason Hsu, chief investment officer at Rayliant Global Advisors. Zhongrong’s troubles are likely tied to its sales of investment products linked to real estate, he said.

Zhongzhi’s rise and potential downfall closely mirror China’s trajectory over the past three decades. The once booming economy is now mired in difficulties after a crackdown on private enterprise, including the nation’s celebrated tech firms, shocked investors. Consumer sentiment remains in the doldrums after years of stringent Covid restrictions.

It’s not the only firm in difficulties. A total of 106 trust products worth 44 billion yuan defaulted this year through July 31, according to Use Trust. Real estate investments accounted for 74% of the defaults by value. Last year also saw billions of dollars in defaults.

Zhongzhi is the second-largest shareholder of Zhongrong Trust, holding about 33%. The conglomerate also holds stakes in five other licensed financial firms, including a mutual fund manager and two insurers, and is invested in five asset management companies and four wealth units, according to its website. It also controls listed companies and owns 4.5 billion tons of coal reserves among its industrial operations.

The Founder

The firm’s founder, Xie Zhikun, died of a heart attack in 2021, just as pandemic lockdowns slowed China’s economy and sparked volatile markets. While his replacement, Liu Yang, vowed to keep the company’s focus on industrial and asset management businesses, the economic slowdown and the property-market slump have weighed on its operations.

Xie made a fortune in the 1980s through a printing factory, before expanding into distressed assets including real estate, China Real Estate Business reported Aug. 12. Deals in Beijing alone in recent years by the firm include the 3.3 billion yuan office tower, a 1.7 billion yuan project managed by Shimao Group Holdings Ltd., and an office building that was once the headquarters of Jia Yueting’s conglomerate, according to the report.

Many of those projects were left in trouble amid the property market slump and following Xie’s death.

Even as rival firms sought to pare risks, Zhongzhi and its affiliates, especially Zhongrong, provided financing to troubled developers, snapping up assets from companies including Kaisa Group Holdings Ltd. and Shenzhen Wongtee International Enterprise Co. Zhongrong issued more than 10 trust products for the now defaulted China Evergrande Group between 2014 and 2016. The percentage of real estate trust assets at Zhongrong more than doubled to 18% in 2020 from 6.6% in 2017, according to the newspaper.

Those real estate investments have soured after the expected property turnaround failed to materialize. China’s home sales tumbled the most in a year last month, curbing revenue for developers like Country Garden, whose stock and bonds cratered after it missed coupon payments to bondholders this month.

Unverified Letter

Zhongrong has disclosed little to the public about its situation, though it has said it’s aware of forged letters being shared on social media claiming the company is no longer able to operate. The firm has reported the letters to authorities, according to a statement on its website.

In one unverified letter being circulated, a wealth manager at Zhongzhi apologized to his clients, saying the group’s wealth arms have delayed payments on all products since mid July. The incident involves more than 150,000 clients with outstanding investments totaling 230 billion yuan, according to the letter.

Nearly half of the funds raised by Zhongrong were funneled to its parent or affiliated units, one of the people familiar with the task force said.

Beijing’s long battle against the excesses of the trust sector may now be coming to a head, analysts say.

“The window guidance has been discouraging any and everyone who was involved in kind of a trust business, wealth business, in terms of selling real estate backed bonds,” Hsu said. “Maybe the last of this ugly episode has come to an end.”

[Derby]

https://www.ft.com/content/a43d2121-91af-4bc1-bb2e-bff131aae875

Russian central bank to hold emergency rate meeting as rouble flounders

Policymakers at odds over how to deal with economic fallout from invasion of Ukraine

Russia’s central bank will hold an emergency interest rate meeting on Tuesday after the rouble fell below Rbs100 to the dollar, prompting a squabble among policymakers over how to deal with the economic fallout from the invasion of Ukraine.

The extraordinary meeting will take place after the central bank, which had not been due to hold another rate meeting until September 15, said it might increase its key interest rate, currently at 8.5 per cent. It will announce the decision at 10.30am Moscow time on Tuesday.

Nearly a year and a half after Vladimir Putin ordered the full full-scale invasion, Russia’s technocrats are struggling to balance the competing priorities of economic growth and stabilising the currency, which is at a 16-month low against the dollar.

The rouble’s precipitous slide prompted rare public disagreements among top Russian officials on Monday as the Kremlin sought to assuage growing anxiety about the currency while continuing to praise the debt-fuelled growth that had weakened it.

Anatoly Aksakov, head of the finance committee in the Duma, told local news site Ura.ru on Monday that “businesses are overloaded and raising production levels” in his native region of Chuvashia in central Russia.

“People are getting their salaries. The [region] is living life to the fullest, everyone has a smile on their face, and there is no stress that the dollar rate is nearing 100 roubles,” he added.



But the effect has already been noticed even farther from Moscow, which has so far been insulated from most of the war’s consequences.

In Surgut, a Siberian oil town, the rolling ticker running across a local news agency’s offices was replaced with text on Sunday that said: “Putin is a dickhead and a thief. 100 roubles to the dollar — you’ve lost your fucking mind!” The news agency said the ticker had been hacked.

Maxim Oreshkin, Putin’s economic adviser, wrote an article for the state newswire Tass earlier on Monday that included thinly veiled criticism of the central bank, claiming that “a strong rouble is in the interests of the Russian economy”, which he said was otherwise recovering after a recession last year.

Oreshkin blamed the rouble’s fall on the central bank after it eased monetary policy, which he said had led to an extra Rbs12.8tn in debt-fuelled demand that was overheating the economy.

“The current exchange rate has significantly deviated from fundamental levels and is expected to normalise in the near future,” Oreshkin wrote.

But the central bank, which dropped exchange-rate targeting and switched to a free float in 2014, said the rouble was under pressure from other factors including a drop in export volumes and simultaneous rising internal demand for imports amid an increase in government borrowing.

The central bank said the potential rate rises at its next scheduled meetings were required in order to stabilise inflation at its target of 4 per cent, but added that the rouble’s decline did not threaten Russia’s financial stability.

Ballooning deficits from increased military spending, a drop in export revenues and a growing reliance on imports have all contributed to the rouble’s fall while speeding up inflation.

Inflation grew past the central bank’s target rate to 4.3 per cent in July and is expected to rise to between 5 per cent and 6.5 per cent this year.

Though it still remains lower in Russia than in much of Europe, thanks to the country’s energy resources and early shedding of coronavirus pandemic restrictions, seasonally adjusted inflation in July was at 8.5 per cent, according to Natalia Lavrova, chief economist at BCS Global Markets.

Rising inflation has pitched central bank governor Elvira Nabiullina, who has tamed previous rises with aggressive rate tightening, against her hardline critics, who have pushed for lower rates to stimulate borrowing.

“The state has essentially raised demand for imports through spending and subsidised borrowing, which fundamentally weakens the rouble,” said Alexandra Prokopenko, a former central bank official and non-resident scholar at the Carnegie Russia Eurasia Center.

She compared the response with the tale of a drunken man who searches for his lost keys under a lamppost rather than in the park, where he lost them. “Blaming the central bank is like a drunkard’s search — looking for the guilty where the light is,” she said.

Policymakers are struggling to keep Russia’s economy stable while fuelling Putin’s war machine and mitigating the impact of western sanctions, economists say.

“The rouble is gradually losing value because the current prognosis is that the war will, and Russian budget deficits [to fund it] will, go on for years to come, until Putin dies or steps down,” Konstantin Sonin, an economic professor at the University of Chicago, wrote on Twitter last week.

The central bank last week said it would stop foreign currency purchases until the end of this year to “reduce volatility”. But the effect that such steps can have on the rouble is limited because more than half of Russia’s foreign reserves are frozen under western sanctions, Sonin said.

[Derby]

https://www.bloomberg.com/news/articles/2023-08-15/russia-hikes-rates-at-emergency-meeting-called-after-ruble-crash

Russia Hikes Rates at Emergency Meeting Called After Ruble Crash

Russia’s central bank sharply raised interest rates at an emergency meeting called after one of the steepest depreciations in emerging markets cast a pall over the economy.

Policymakers lifted their benchmark to 12% from 8.5%, the second straight increase and the sharpest since the immediate aftermath of Russia’s invasion of Ukraine almost 18 months ago. The meeting was brought forward by a month after the ruble briefly broke through 100 to the dollar for the first time since March last year.(...)

[Benzino Napaloni]

80% of Bosses Say They Regret Earlier Return-To-Office Plans
Posted by BeauHD on Monday August 14, 2023 @08:02PM from the phase-of-remorse dept.

An anonymous reader quotes a report from CNBC:

A whopping 80% of bosses regret their initial return-to-office decisions and say they would have approached their plans differently if they had a better understanding of what their employees wanted, according to new research from Envoy. "Many companies are realizing they could have been a lot more measured in their approach, rather than making big, bold, very controversial decisions based on executives' opinions rather than employee data," Larry Gadea, Envoy's CEO and founder, tells CNBC Make It.

Envoy interviewed more than 1,000 U.S. company executives and workplace managers who work in-person at least one day per week. Some leaders lamented the challenge of measuring the success of in-office policies, while others said it's been hard to make long-term real estate investments without knowing how employees might feel about being in the office weeks, or even months, from now. Kathy Kacher, a consultant who advises corporate executives on their return-to-office plans, is surprised the percentage isn't higher. "Many organizations that attempted to force a return to the office have had to retract or change their plans because of employee pushback, and now, they don't look strong," says Kacher, the president of Career/Life Alliance Services. "A lot of executives have egg on their faces and they're sad about that."

Saludos.

• Para muchos empresarios el activo más valioso sigue siendo la oficina en sí misma y el Real Estate, no los trabajadores.
• Los trabajadores tienen ahora mucho más poder que antes, simplemente porque son menos y hay más trabajo que trabajadores.
• Nunca hagas una amenaza que luego no podrás cumplir. Nunca.

No hay más preguntas, señoría.

 

[Derby]

https://investorplace.com/2023/08/the-return-of-student-loan-payments-could-trigger-a-stock-and-housing-market-crash/

The Return of Student Loan Payments Could Trigger a Stock and Housing Market Crash

Michael Gayed believes home prices could fall as consumers battle new student debt payments

*Student loan payments are the talk of Wall Street ahead of the end of the loan moratorium, next month.
*According to Michael Gayed, Fund Manager and Publisher of the Lead-Lag Report, the end of the student loan moratorium may yield surprising results for the housing market.
*Indeed, as consumers roll back spending in the face of rising interest rates and student debt payments, housing prices may be liable to plummet.

With the return of student loan payments just weeks away, the implications of a new financial burden hitting an already sensitive U.S. consumer base are in focus. According to one “exquisite” analyst, student loans may even lower home prices.

Economists have long expressed concerns over the return of student loan payments. Indeed, student debt payments have been on pause since the start of the Covid-19 pandemic. After a slew of last-minute extensions to the moratorium over the past year and a half or so, alongside short-lived aspirations of a debt-forgiveness initiative, the debt-ceiling deal signed earlier this summer locked in student loans’ comeback.

Student loan interest will start accruing in September, with the first payments due in October. For some businesses, like SoFi (NASDAQ:SOFI), which made its bones off the back of student loans and student loan refinancing, this is a win. For the more than 44 million Americans whose net student loan debt exceeds $1.6 trillion, however, the end of the federal moratorium marks the return of a potentially debilitating financial obligation.

A recent Credit Karma survey shows that 56% of student loan borrowers stated they’ll have to choose between loan payments or bare necessities like rent and food. This isn’t just low-income households either. In fact, 45% of borrowers with household incomes more than $100,000 say they will be forced to make the same concession. Perhaps even more concerning, 45% of borrowers surveyed expect to go delinquent on their loans when payments resume.

Now, President Joe Biden’s administration has implemented a 12-month grace period allowing borrowers to miss or make late payments without any delinquency or credit penalty. But that won’t stop interest from accruing.

With consumers still reeling from elevated inflation and still-rising interest rates, student loans present a unique threat.

Will Student Loan Payments Cause a Housing Market Crash?

According to Michael A. Gayed, publisher of the Lead-Lag Report and portfolio manager at Tidal Financial Group, the return of student loans represents a bearish catalyst for the U.S. real estate market. In an interview with InvestorPlace, Gayed offered some insight into the interconnected nature of consumer activity as it pertains to housing:

“It takes time for people starting to realize that, wow, now their interest rate on their credit card went from 20% to 25%, then maybe 30%. Who knows after that, based on where rates are going. So under that setup, it’s only a matter of time until consumers start to realize that they have to cut back on their discretionary spending. Now, if I’m right about that too, combined with the student loan payment resumption, very suddenly then, I suspect you’re going to have consumers really pulling back almost all at once, because they start realizing that their cash flow is not what it once was. You get that, I promise you, unemployment rises. You get that, I promise you housing prices start going down.”

To Gayed’s point, the state of the U.S. consumer is tenuous at best. While consumer spending has held strong the past year, this is likely a product of rampant credit spending. In fact, earlier this month U.S. credit card debt exceeded $1 trillion for the first time ever. As much as the Federal Reserve loves to describe the healthy and resilient consumer base, holes are clearly starting to form in the central bank’s narrative.

Consumer spending is often referenced as the engine of the U.S. economy. What happens when the engine starts to falter?(...)

Student Loans May Lead to Housing Selloff

Housing inventory has long represented one of the major barriers to sweeping home price corrections across the country. It varies by region, but generally, there’s a shortage of available homes for sale in the U.S. The pinched housing supply has made it such that, even as 30-year fixed mortgage rates soar over 7%, home prices have held on quite well.

Gayed believes, however, the return of student loans may rebalance the disjointed housing market:

“So you have the student loan repayments. That probably hurts the hospitality side because now there’s less cash flow to go around for traveling. That hurts the Airbnb players, the owners, because now they’re not getting income from their second, third, fourth properties. That might result in some selling of those second, third and fourth properties. And that then maybe sparks a broader inventory unleash in the housing market.”

Gayed’s thesis is relatively simple: as bubbling financial concerns like student loan and credit card debt increasingly weigh on consumers, spending on luxuries like travel — and thus, rentals — will decline. This will bear down rental property owners, likely forcing some multi-property real estate investors to liquidate their tertiary properties. As a result, this will ease the supply tension for homes in the country. As inventory returns, prices will inevitably fall as a function of the general decline in the demand for homes, facilitated by historically high mortgage rates.

It’s hard to argue with the logic.

PS. Este fin de semana coincidí con una compañera de facultad. Se da la coincidencia que ambas tenemos hijas de la misma edad que se acaban de graduar en los mismos estudios (ambas 4 años). Su hija ha estudiado en una universidad inglesa, la mía en la UAB. Su hija ha pedido un préstamo de estudiante para pagar las tasas universitarias (UK students: £9,250 per year) y la mía no debe nada. A mí me parece una barbaridad. Probablemente yo tengo un sentido de protección de mis hijos muy elevado, pero no entiendo otra cosa.

[Cadavre Exquis]

https://www.lavanguardia.com/opinion/20230814/9166546/impacto-negativo-ley-vivienda.html

https://www.lavanguardia.com/economia/20230814/9166384/oferta-alquiler-cae-precios-tocan-maximos-ley-vivienda.html

Saludos.

[Cadavre Exquis]

Igual encajaría mejor en el hilo de A brave new world: La sociedad por venir el de Invierno demográfico e incluso el de El fin del trabajo ... pero, al final, también tiene que ver con "el artefacto" porque el número de hogares unipersonales va en aumento, tal y señalaba la Encuesta continua de hogars. Año 2020 que publicó el INE el 7 de abril de 2021.

Hogares unipersonales

En España había 4.849.900 personas viviendo solas en el año 2020. De esta cifra, 2.131.400 (un 43,6%) tenían 65 o más años. Y, de ellas, 1.511.000 (un 70,9%) eran mujeres.

En cuanto a los hogares unipersonales de menores de 65 años, el 59,1% estaban formados por hombres y el 40,9% por mujeres (1.629.700, frente a 1.128.800).

Comparando con los valores medios de 2019, el número de personas que viven solas se incrementó un 2,0% en 2020 (96.200 más)

https://www.lavanguardia.com/opinion/20230814/9166563/ia-resolvera-problema.html

Saludos.

[CHOSEN]

Creo que la solucion estructural es fijar la renta de alquiler al 33% del SALARIO MINIMO

Eso ya lo hace la nueva ley -de facto-.
Y está generando la macabra derivada que vengo diciendo, reaparición del lemeto-fueguismo con cientos de viviendas cerradas y desaparecidas del ALGORITMO OFICIAL DE PRECIOS, lo cual distorsiona el propio índice al utilizar éste los precios de referencia publicados. De ahí la búsqueda activa de bichos/mirlos blancos (funcionarios, grupos de estudiantes MIR, necesidad de avalista-fiador, etc). La mayor parte de anuncios ya tienen estas cláusulas.
ATENCIÓN: Anuncio = INPUT del algoritmo oficial según BOE.

Saturno, admiro tu capacidad para buscar un acuerdo entre partes que es imposible.
Yo no contemplo una situación win-win porque se trata de un problema generacional donde toda propuesta será vista como un ataque (generacional).
Nos encontramos ante una situación similar a la destapada por Espartaco, donde la vileza institucionalizada contra un grupo de población generó una reacción totalmente lógica.
https://es.wikipedia.org/wiki/Tercera_guerra_servil
En este caso es la juventud (tres generaciones) la que vive sometida por la planificación central del estado en materia de vivienda.
Soy contrario a la idea que ahora se presenta: "estamos así ahora por la ausencia de planificación central anterior".
No.
La planificación ha funcionado perfectísimamente estos 40 años y se ha conseguido exactamente lo que se quería: sublimar a la clase trabajadora en propietaria. La desgracia ha sido, como siempre, el pequeño problema que nadie había pensado.
Claro que hubo planificación.
Por eso la SAREB sigue siendo un banco congelador.
Pero no pasa nada, seguro que Nadia Calviño podrá arreglarlo antes de irse.

Ahora que la clase propietaria ya es clase jubilada, hay que quitarle el juguete.
Si no se hace, el estropicio es cada día mayor.
NO HAY OTRA.

Creo que la teoría buena es la original, la clásica, Pensiones o Pisito.
Estoy dispuesto a cambiar de opinión si se demuestra factible.
Por ahora, la planificación del gobierno de España ha sido apuntalar ambos 

Esperar a que mueran, es la única solución realista que hemos obtenido.
Eso es todo menos planificación.

[Benzino Napaloni]

Creo que la solucion estructural es fijar la renta de alquiler al 33% del SALARIO MINIMO

Eso ya lo hace la nueva ley -de facto-.
Y está generando la macabra derivada que vengo diciendo, reaparición del lemeto-fueguismo con cientos de viviendas cerradas y desaparecidas del ALGORITMO OFICIAL DE PRECIOS, lo cual distorsiona el propio índice al utilizar éste los precios de referencia publicados. De ahí la búsqueda activa de bichos/mirlos blancos (funcionarios, grupos de estudiantes MIR, necesidad de avalista-fiador, etc). La mayor parte de anuncios ya tienen estas cláusulas.
ATENCIÓN: Anuncio = INPUT del algoritmo oficial según BOE.

En realidad aquí hay otro bucle como el de si no lo alquilovendo, lo vendoalquilo.

Se parece mucho al que ya he vivido varias veces en empresas. El mirlo blanco no existe. El junior va a ser barato, no va a ser contestón, y se tragará lo que le echen. Pero cuando llegue un reto que le supere, lo más probable es que provoque un estropicio. Enfrente, el experimentado tiende a ser el simétrico.

Y lo mismo podemos decir del "artefacto". El que tiene dinerito para gastar tenderá también a saberse más la ley, a conocer más el mercado... y al verdadero punto clave: la desesperación no le cegará.

En este sentido, los funcionarios no quieren ir ya a Baleares por las razones que conocemos todos. Antes era más un problema de Ibiza, pero Mallorca ya está de pleno en el ajo.

Esto ha sido una liada de manta en la cabeza, y un "no pasarán", estoy de acuerdo. La pregunta clave es, ¿pueden? ¿Realmente pueden resistir así mucho tiempo?


En lo que tengo que ser pesimista es en que caer caerán, pero en la caída van a hacer el máximo daño posible. Ya se habían publicado por el foro noticias de curritos rechazando ofertas de trabajo con todo arreglado salvo el asuntillo del techo y del catre, con los que no hubo forma humana. Se sigue tensando la cuerda.