PPCC: Pisitófilos Creditófagos. Invierno 2024

[Cadavre Exquis]

https://www.eleconomista.es/economia/noticias/12604516/12/23/el-2024-arrancara-con-alzas-de-precio-en-telecos-vivienda-y-electricidad.html

https://www.eleconomista.es/banca-finanzas/noticias/12604651/12/23/la-hipoteca-media-bajara-unos-1600-euros-con-los-recortes-de-tipos-del-bce-.html

https://www.eleconomista.es/economia/noticias/12603577/12/23/el-ipc-se-situa-en-el-31-en-diciembre-con-la-inflacion-subyacente-en-el-38-su-menor-nivel-desde-marzo-de-2022.html

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604097/12/23/el-ibex-35-sube-un-23-en-2023-y-cierra-su-cuarto-mejor-ejercicio-del-milenio.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12603335/12/23/la-renta-fija-despierta-de-su-letargo-a-lo-grande-con-los-dos-meses-mas-rentables-de-la-historia.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12603754/12/23/el-ipc-de-diciembre-de-la-eurozona-y-las-actas-de-la-fed-arrancan-el-2024.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12601639/12/23/nueve-depositos-conservan-rentabilidades-superiores-al-3-a-un-ano-.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604477/12/23/naturhouse-ofrece-el-dividendo-mas-rentable-de-enero-del-31.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604490/12/23/kering-brinda-el-primer-dividendo-de-lujo-europeo-con-un-rendimiento-del-11.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604022/12/23/nueva-cosecha-historica-de-beneficios-para-evitar-la-maldicion-de-los-anos-pares-en-bolsa.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604270/12/23/el-sector-inmobiliario-y-el-de-la-energia-se-reconstruyen-despues-del-castigo-del-2023.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604625/12/23/el-ano-en-el-que-los-bancos-centrales-lograron-domar-a-la-inflacion-sin-crear-una-crisis.html

https://www.pressreader.com/spain/el-economista/20231230/page/59/textview

La banca logra su mejor año y la quiebra de Credit Suisse sólo pasa de puntillas

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604547/12/23/china-entra-en-la-nueva-normalidad-de-crecimiento-y-pierde-el-pulso-contra-india.html

https://www.pressreader.com/spain/el-economista/20231230/page/61/textview

El ‘terremoto’ de los bancos centrales aúpa al euro

El crudo sacude al resto de materias primas

https://www.eleconomista.es/mercados-cotizaciones/noticias/12597248/12/23/la-cop28-dio-la-noticia-del-ano-en-esg-el-principio-del-fin-de-los-combustibles-fosiles.html

https://www.eleconomista.es/mercados-cotizaciones/noticias/12604083/12/23/los-fondos-espanoles-de-bolsa-global-despiden-el-ano-con-rentabilidades-medias-del-13.html

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/economia/noticias/12597807/12/23/que-esperar-de-2024-espana-afronta-el-ano-con-menor-crecimiento-de-su-pib-en-una-decada.html

https://www.eleconomista.es/economia/noticias/12589250/12/23/la-baja-demanda-china-y-la-geopolitica-debilitan-el-pib-global.html

https://www.eleconomista.es/opinion/noticias/12601002/12/23/ansiedad-norteamericana.html

https://www.eleconomista.es/opinion/noticias/12601024/12/23/crece-el-riesgo-de-desorden-mundial.html

https://www.eleconomista.es/opinion/noticias/12601067/12/23/otro-ano-en-el-que-se-ahondara-la-crisis-de-deuda-de-los-emergentes.html

https://www.eleconomista.es/opinion/noticias/12601113/12/23/las-batallas-que-ucrania-ya-ha-ganado.html

https://www.pressreader.com/spain/el-economista/20231230/page/38/textview

La banca tocará techo en beneficio y rentabilidad

https://www.pressreader.com/spain/el-economista/20231230/page/40/textview

El 2024 será un año clave de transición energética

https://www.pressreader.com/spain/el-economista/20231230/page/42/textview

El sector de la construcción desacelerará el próximo año su crecimiento al 1,4%

https://www.pressreader.com/spain/el-economista/20231230/page/43/textview

Nueva ministra pero mismas necesidades

https://www.pressreader.com/spain/el-economista/20231230/page/44/textview

La vivienda aguanta el 'golpe' de la subida de tipos

https://www.pressreader.com/spain/el-economista/20231230/page/46/textview

Cada empresa creará su propia 'IA generativa'

https://www.pressreader.com/spain/el-economista/20231230/page/48/textview

Perte, elevar las ventas y el desembarco de china

https://www.pressreader.com/spain/el-economista/20231230/page/49/textview

El precio de la comida se estabilizará si la sequía lo piermite

https://www.pressreader.com/spain/el-economista/20231230/page/50/textview

El turismo, en jaque tras el fin del boom por viajar

Nueva fase inversora en transportes

https://www.pressreader.com/spain/el-economista/20231230/page/52/textview

Las ideas de 'eleconomista.es' para superar al mercado

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/vivienda-inmobiliario/noticias/12603089/12/23/dancausa-sale-de-haya-real-estate-y-le-sustituye-tellado-maximo-responsable-de-intrum-espana.html

Saludos.

[Cadavre Exquis]

https://www.pressreader.com/spain/el-economista/20231230/page/72/textview

Cuerpo concentra el poder económico al controlar la Comisión Delegada

Saludos.

[Cadavre Exquis]

https://www.eleconomista.es/economia/noticias/12603702/12/23/quien-es-carlos-cuerpo-nuevo-ministro-de-economia.html

Saludos.

[Benzino Napaloni]

Ya que el tema de la IA sigue dando vueltas, pues en algún momento habrá que decirle a los inversores que la inversión con un 10% de retorno perpetuo no existe. Igual que más de una agencia de recruitment le ha tenido que decir a más de un empresario que o mejora la oferta o no va a contratar a nadie (nadie que valga para el puesto, se entiende).

Los inversores no son seres de luz, se equivocan como cualquiera. Y más de una vez se cumple que el dinero es de lo más asustadizo e irracional que hay. Cuando hay crisis, todos a cubierto. Pero cuando hay bonanza, FOMO que te crió. No habríamos llegado a este año tan duro en las tecnológicas si antes no hubiese habido una caterva de inversores estúpidos financiando tener plantilla sin trabajo sólo para que la competencia no se la llevase.

En este sentido la IA no es sólo la promesa de recortar costes eliminando empleados, es la presión de los inversores para conseguir el retorno que esperaban. En las empresas IT estamos hartos de ver ese ciclo de fiascos de poner cantidades indecentes de dinero sobre la mesa, quitarlas al ver que la absurda previsión no se ha cumplido, y luego vuelta a empezar.

La IA tiene el añadido de la presión por el invierno demográfico. Por mucho que en EEUU se haya parado la Gran Renuncia, la Gran Jubilación ya se manifiesta. ¿Han visto las últimas agresiones a funcionarios de la DGT en Ibiza, o a sanitarios en Málaga? Va a faltar personal para todo, y si bien la informática es el camino para aliviar (algo) el trance, no va a ser con cancamusa sino con proyectos aburridos a cascoporro. Y cambiar muchas mentalidades.

[Benzino Napaloni]

Y si no, miren, miren. Resulta que la generación a priori más embobada con las pantallas está usando el cerebro:

La generación Z rechaza las apps de citas y apuesta por la forma clásica de ligar

Resumen del artículo: las apps de citas aportan mucho menos valor de lo que venden, funciona mucho mejor salir a la calle y dejarse ver. La informática tiene que resolver problemas reales. Logística, administración... no está para suplir los ligues. El trato humano se tiene que hacer cara a cara, y para eso hay que tener energías y ganas cuando se sale del trabajo.

Es otra forma de ver que si no hay una auténtica TE y si no se corrigen muchos de los errores del neoliberalismo desde Reagan y Tatcher, enfrentaremos un colapso.

[senslev]

¿Han visto las últimas agresiones a funcionarios de la DGT en Ibiza, o a sanitarios en Málaga?

Porque no se pueden permitir vivir allí, pon un alquiler a 300 y ya verás como se cubren todas las vacantes.

[senslev]

[Benzino Napaloni]

¿Han visto las últimas agresiones a funcionarios de la DGT en Ibiza, o a sanitarios en Málaga?

Porque no se pueden permitir vivir allí, pon un alquiler a 300 y ya verás como se cubren todas las vacantes.

Ya se les dijo, les ha acabado cogiendo el toro, y la culpa es de cualquiera menos de ellos. Ahora Correos poco a poco dejará de abrir por las tardes, Tráfico puede que siga sin abrir todos los laborales... El ciudadano sin servicios suficientes, y los funcionarios atiborrados de ansiolíticos y pidiendo el traslado para largarse de Ibiza a la menor ocasión. Los trabajadores de la privada directamente ni van si no es con el alojamiento cubierto.

Ya les dije que se había elegido dolor, y el dolor ya empieza a estar aquí. ¿Reacción? Cualquiera menos "hostia, o bajo el precio o mato la gallina de los huevos de oro".

[senslev]

Lo que quiero decir es que no es falta de trabajadores, es la falta de un proyecto de vida digno que empieza por un lugar donde poder alojarse a un precio razonable. A ver hasta dónde llega la estafa y si realmente hay alguien a los mandos, si no hay nadie ya sabemos el desenlace.

[Cadavre Exquis]

AI-Created 'Virtual Influencers' Are Stealing Business From Humans
Posted by BeauHD on Friday December 29, 2023 @10:30PM from the only-the-beginning dept.

An anonymous reader quotes a report from the Financial Times:

Pink-haired Aitana Lopez is followed by more than 200,000 people on social media. She posts selfies from concerts and her bedroom, while tagging brands such as haircare line Olaplex and lingerie giant Victoria's Secret. Brands have paid about $1,000 a post for her to promote their products on social media -- despite the fact that she is entirely fictional. Aitana is a "virtual influencer" created using artificial intelligence tools, one of the hundreds of digital avatars that have broken into the growing $21 billion content creator economy. Their emergence has led to worry from human influencers their income is being cannibalized and under threat from digital rivals. That concern is shared by people in more established professions that their livelihoods are under threat from generative AI -- technology that can spew out humanlike text, images and code in seconds. But those behind the hyper-realistic AI creations argue they are merely disrupting an overinflated market.

"We were taken aback by the skyrocketing rates influencers charge nowadays. That got us thinking, 'What if we just create our own influencer?'" said Diana Nunez, co-founder of the Barcelona-based agency The Clueless, which created Aitana. "The rest is history. We unintentionally created a monster. A beautiful one, though." Over the past few years, there have been high-profile partnerships between luxury brands and virtual influencers, including Kim Kardashian's make-up line KKW Beauty with Noonoouri, and Louis Vuitton with Ayayi. Instagram analysis of an H&M advert featuring virtual influencer Kuki found that it reached 11 times more people and resulted in a 91 per cent decrease in cost per person remembering the advert, compared with a traditional ad. "It is not influencing purchase like a human influencer would, but it is driving awareness, favorability and recall for the brand," said Becky Owen, global chief marketing and innovation officer at Billion Dollar Boy, and former head of Meta's creator innovations team.

"Influencers themselves have a lot of negative associations related to being fake or superficial, which makes people feel less concerned about the concept of that being replaced with AI or virtual influencers," said Rebecca McGrath, associate director for media and technology at Mintel.

"For a brand, they have total control versus a real person who comes with potential controversy, their own demands, their own opinions," McGrath added.

Saludos.

[Cadavre Exquis]

Fewer People Are Posting on Social Media. 50% Could Leave Or Limit Interactions Within 2 Years
Posted by EditorDavid on Saturday December 30, 2023 @12:34PM from the un-friending dept.

"Billions of people" uses social media every month, notes the Wall Street Journal.. But "fewer and fewer are actually posting."

Instead they're favoring "a more passive experience, surveys of users and research from data-analytics firms say."

In an October report from data-intelligence company Morning Consult, 61% of U.S. adult respondents with a social-media account said they have become more selective about what they post. The reasons are varied: People say they feel they can't control the content they see. They have become more protective about sharing their lives online. They also say the fun of social media has fizzled. This lurker mentality is widespread, across Meta Platforms' Instagram and Facebook along with X and TikTok....

In a survey conducted in the U.S. this summer, research firm Gartner found more than half of respondents believed the quality of social media has declined in the past five years. They cited misinformation, toxicity and the proliferation of bots as reasons it has gotten worse. "The less you trust social-media brands, the less of a good experience you're having," says Gartner analyst Emily Weiss. Users are less likely to share opinions or insight into their lives since the community they are looking for isn't there, she adds. Ads and suggested posts have also sucked the joy out of apps, some users say... The algorithmic spotlight on creators and their hyper-curated content has made some users feel insecure and less likely to share their own photos and videos, says Kevin Tran, media and entertainment analyst at Morning Consult. In turn, some now think of social apps more as sources of entertainment, like YouTube or Netflix.

Gartner estimates that 50% of users will either abandon or significantly limit their interactions with social media in the next two years.

Any threat to interacting is a threat to business, the article notes, adding "The companies are responding."

They are investing in more private user experiences like messaging, and making interactions more secure. And encouraging people to post to a more intimate audience — as with Instagram's recently expanded Close Friends feature... Meta responded to user complaints, saying it would continue to work on improving recommendations to help creators reach more people. The company added a snooze button that pauses suggested posts for 30 days at a time, and chronological feeds that temporarily only show posts from accounts people follow... Meta began shifting its resources toward messaging, including efforts to enable end-to-end encryption by default across all of its messaging services... TikTok has also shown signs of investing more in the messaging portion of its app, nudging users to chat with people they haven't messaged in a while.

When the Wall Street Journal posted their article on Threads, Adam Mosseri (head of Instagram) responded that "People are sharing to feeds less, but to Stories more," and "even more still" in Messages ("even photos and videos"). Mosseri also said that Instagram's Notes feature — basically a post where you cab specify a smaller subset of your followers to see it — "have quickly become a big thing, particularly for young people.

"So it's no so much that people are sharing less," Mosseri argued, "but rather than they're sharing differently."

Saludos.

[Cadavre Exquis]

Is 'Work From Home' Here to Stay After 2023?
Posted by EditorDavid on Saturday December 30, 2023 @03:34PM from the never-going-back dept.

"Remote-work numbers have dwindled over the past few years as employers issue return-to-office mandates," reports USA Today. "But will that continue in 2024?"
The numbers started to slide after spring 2020, when more than 60% of days were worked from home, according to data from WFH Research, a scholarly data collection project. By 2023, that number had dropped to about 25% â' much lower than its peak but still a fivefold increase from 5% in 2019. But work-from-home numbers have held steady throughout most of 2023. And according to remote-work experts, they're expected to rebound in the years to come as companies adjust to work-from-home trends. "Return-to-office died in '23," said Nick Bloom, an economics professor at Stanford University and work-from-home expert. "There's a tombstone with 'RTO' on it...."

Though a number of companies issued return-to-work mandates this year, most are allowing employees to work from home at least part of the week. That makes 2024 the year for employers to figure out the hybrid model. "We're never going to go back to a five-days-in-the-office policy," said Stephan Meier, professor of business at Columbia University. "Some employers are going to force people to come back, but I think over the next year, more and more firms will actually figure out how to manage hybrid well." Thirty-eight percent of companies require full-time in-office work, down from 39% one quarter ago and 49% at the start of the year, according to software firm Scoop Technologies...

[Stanford economics professor] Bloom called remote-work numbers in 2023 "pancake-flat." Yes, large companies like Meta and Zoom made headlines by ordering workers back to the office. But, Bloom said, just as many other companies were quietly reducing office attendance to cut costs.

Bloom thinks holograms and VR devices are possible within five years. "In the long run, the thing that really matters is technology."

One paper estimates that currently 37% of America's jobs can be done entirely at home, according to the article, and ZipRecruiter's chief economist seems to agree, predicting as much as 33% America's work days will eventually be completed from home. "I think the numbers will gradually go up as this becomes more of an accepted norm as future generations grow up with it being so widely available, and as the technology for for doing it gets better."

And the article notes that the ZipRecruiter economist sees another factor fueling the trend. "Reluctant leaders aging out of the workforce will help, too, she said."

Saludos.