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https://cincodias.elpais.com/economia/2023-12-01/un-millon-y-medio-de-hogares-temen-perder-su-casa-en-los-proximos-seis-meses-por-no-poder-pagarla.htmlCitarUn millón y medio de hogares temen perder su casa en los próximos seis meses por no poder pagarlaCasi el 30% de las familias en España padecen exclusión residencial y 6 de cada 10 tienen algún problema de vivienda
Un millón y medio de hogares temen perder su casa en los próximos seis meses por no poder pagarlaCasi el 30% de las familias en España padecen exclusión residencial y 6 de cada 10 tienen algún problema de vivienda
[...] Y atención con el lenguaje: cuando buscan el paquete de ayudas para meter dinero público en El Pisito, hablan de hogares. Cuando hay que buscar nuevos inversores, toca decir activos financieros. Cuando toca ensalzar la figura del pisitófilo, salen con lo de "pequeño" (_)Ahorrador, (_)inversor, (_)especulador según venga la narrativa del día.
Peru to Replace Dollar Bonds With Local Debt When Fed Cuts RatesFinance chief waiting for lower yields to sell local debtMinister says measures needed to meet fiscal goal this yearPeru is eager to raise longer-dated, local-currency debt to pay down dollar bonds as soon as the Federal Reserve starts cutting interest rates, according to Finance Minister Alex Contreras.“We want to continue to transform our debt into soles,” Contreras said Thursday in an interview. “In particular, we want to push back our amortizations further into the future.”(...)
With or without loan forgiveness, fewer students are enrolling in college, questioning the return on investment*College enrollment is struggling, and six-year completion rates are stagnant, according to recent reports.*Rising tuition costs and ballooning student debt balances have caused more students to question the return on investment. *Broad-based loan forgiveness is off the table, but “the debate about the value of college continues,” says Rick Castellano, a spokesperson for Sallie Mae.
A new age of the worker will overturn conventional thinkingAround the rich world, wage gaps are shrinkingFew ideas are more unshakable than the notion that the rich keep getting richer while ordinary folks fall ever further behind. The belief that capitalism is rigged to benefit the wealthy and punish the workers has shaped how millions view the world, whom they vote for and whom they shake their fists at. It has been a spur to political projects on both left and right, from the interventionism of Joe Biden to the populism of Donald Trump. But is it true?Even as the suspicion of free markets has hardened, evidence for the argument that inequality is rising in the rich world has become flimsier. Wage gaps are shrinking. Since 2016 real weekly earnings for those at the bottom of America’s pay distribution have grown faster than those at the top. Since the covid-19 pandemic this wage compression has gone into overdrive; according to one estimate, it has been enough to reverse an extraordinary 40% of the pre-tax wage inequality that emerged during the previous 40 years. A blue-collar bonanza is under way.Across the Atlantic, such trends are more nascent, but still apparent. In Britain wage growth has been healthier at the bottom of the jobs market; in continental Europe wage agreements are building in higher increases for the lower paid. Long-running trends in inequality are being questioned, too. A decade ago Thomas Piketty, a French economist, became a household name by arguing that it had surged. Now increasing weight is being given to research which finds that, after taxes and government transfers, American income inequality has barely increased since the 1960s.All this can be discombobulating, not least when the prices you pay for food and energy have risen at an unusually fast pace. So ingrained is the idea that workers are suffering in today’s world that claiming otherwise is almost heretical; the dissenting inequality research has sparked an ill-tempered debate among economists.To understand what is going on, it helps to consider that the blue-collar bonanza is not just an artefact of the statistics: it makes intuitive sense, too. As we explain this week, three forces that shape labour markets—demand, demography and digitisation—have each shifted in ways that benefit workers.Take demand. After quiescent inflation in the mid-2010s, America’s Federal Reserve resolved to run the economy hot in the hope that doing so would bring more people into work. Then, after covid-19 struck, governments across the rich world untied the purse-strings. This year the pandemic is a memory, but America has continued to run deficits of a size usually seen in depressions or wartime. As a consequence, demand for labour has stayed high even as central banks have raised interest rates.That higher demand has met with constrained supply, owing to shifts in demography. In 2015 a long-running global demographic dividend came to an end as China’s working-age population peaked. In the rich world the prime working-age population is growing at its slowest pace on record, and will probably start falling by the end of the decade. That adds to the tightness in labour markets. The unemployment rate across the rich world, at less than 5%, is at historical lows and the working-age employment rate in more than half of oecd countries is running close to an all-time high. As populations shrink, the workforce gaps are likely to become so wide that it is hard to imagine politicians letting in enough immigrants to fill them.Shifts in digitisation, meanwhile, have changed who stands to benefit most in today’s labour market. At the end of the 20th century the information revolution vastly increased the demand for college graduates with brains and computing skills. From Wall Street to Walmart these stars were put to work transforming how firms did business, making use of new tools including email and spreadsheets.By the mid-2010s, however, the revolution had matured and the college wage premium began to shrink. In 2015 the average rich-world worker with a bachelor’s degree or more was paid two-thirds more than the average high-school leaver; four years later, the gap had narrowed to a half. According to one estimate, the college premium for white graduates born in America in the 1980s has been lower than that enjoyed by those born in any of the preceding five decades.Generative artificial intelligence looks likely to reinforce this equalising trend. Early research suggests that ai bots provide a bigger productivity boost for lower performers, helping the laggards catch up with the vanguard. And until robotics matures, ai may add to the value of the sorts of tasks that only humans can do, such as manual labour, or providing emotional support.This golden age is still young—and it may be vulnerable. One danger is that recession strikes, cooling demand for workers. On both sides of the Atlantic labour markets have shown signs of softening. In a downturn the least paid tend to suffer most. Another threat is that governments kill it off. Mr Biden’s industrial policy came too recently to account for the blue-collar bonanza. In fact, plentiful opportunities and rising pay make it wasteful to spend taxpayer cash promoting manufacturing jobs. Protection and handouts stand to make the economy less productive and more sclerotic, meaning less of a bounty for all.Blue-sky thinkingIf the blue-collar age endures, the effect will be profound. The idea that capitalism fails workers is so pervasive that it may explain why people consistently tell pollsters they are unhappy about the state of the economy—even as they themselves continue to spend freely and to benefit from low unemployment. The idea has shaped views on everything from the dangers of immigration and low-cost manufacturers, to the desirability of more handouts and higher tariffs.The bonanza for workers, though, shows governments need not shackle markets for workers to do well—and that the best route to prosperity for all is to increase the size of the economic pie. If you fight too much over distribution, you risk bringing the golden age to a premature end.
Jóvenes empujados a la calle llenan los alberguesEl combo pisos turísticos, alquileres imposibles, euríbor por las nubes y sueldos precarios los pone en riesgo de exclusiónDesde enero la demanda de camas subió un 35%Los nuevos “sin techo” responden a un perfil que pone la piel de gallina porque demuestra la fragilidad del estatus personal y la tremenda injerencia de factores exógenos (y aparentemente sin relación) como la reconversión de la vivienda en Vigo en pisos de alquiler turístico. Se trata de vigueses jóvenes, en su mayoría hombres de 30 a 40 años, con ingresos, pero insuficientes para afrontar los gastos de vivir de manera independiente.“Desde enero ha subido la demanda de cama un 35% sobre lo habitual. Además, notamos un incremento entre los propios vigueses, muchos de ellos, afectados por desahucios porque han dejado de pagar su piso. En Vigo vivir en un piso compartido supone una renta de entre 200 y 250 euros, a la que hay que sumar la comida y otros gastos. Así, aunque trabajen, si el sueldo es precario o son trabajos de media jornada, no pueden afrontarlo. Otros, cobran el Ingreso Mínimo Vital (IMS) o la Renta de Inclusión Social de Galicia (RISGA) y tampoco pueden ser independientes”, explica el trabajador social del Albergue Dignidad, en O Calvario.
Monumental atasco en Vigo por las luces de Navidad y el festivo en PortugalHay colas de más de cuatro kilómetros para entrar en la ciudad y los aparcamientos están saturados en el centroLa propia ministra Pilar Alegría se ha llevado una sorpresa cuando intentaba llegar al centro de Vigo para ver la decoración navideña y tomar unas cañas en una cafetería. El PSOE había anunciado su visita, pero la titular de Educación y Deportes ha optado por dar la vuelta y dejar para mejor ocasión el visionado de la iluminación.