buying

In South Korea, parents are buying their children actions of Tesla instead of toys. Child capital is priority

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In January there was one of the most anticipated news in time in South Korea. A small ray of hope after years of demographic debacle when seeing how the nation saw a Increase figure thus breaking a streak of almost ten years. Then we knew ideas that sought to further enhance that birth rate, such as the offer of “Premium” meat To the new moms. Now we also know that kids are receiving gifts from their parents. But they are not toys, they are actions. From stuffed to the portfolio. In South Korea, traditional children’s gifts (dolls, consoles or games) are being replaced For stock stock actionsan increasingly popular trend between parents seeking to plant the seeds of financial education from childhood. What was previously exclusive to expert adults, today, According to local mediait makes its way between minors who, with the consent of its parents, already total more than 1.2 million investment accounts in the country. Explained the Korean Times Cases like Lee’s, a 45 -year -old office worker who has given her son on her birthday and on Children’s Day, embodying this new philosophy for seven years: build an early heritage and transmit economic knowledge through the example. Although the child still prefers the letters of Pokémon that his mother gives him, the father’s intention is not immediate, but in the long term: familiarize him with concepts such as dividends, shareholding property and compound growth, even if for now he does not fully understand them (or nothing). Fiscal instruments and benefits. This kind of dystopia has much more, since the favorite instruments of this generation of children’s investors are the High Dividend ETFfunds that replicate indices such as S&P 500, and actions known as those of Samsung Electronics, Tesla, Nvidia or Apple. Because the strategy not only responds to an educational eagerness, but also to tax advantages: Parents can transfer up to 20 million WON (about 14,000 euros) Free from child taxes every decade, which converts these gifts into efficient patrimonial transmission vehicles. According to an example cited in the middle by a father, an initial investment of 20 million WON with an annual yield of 7% can be transformed into 70 million after 20 yearswithout paying a single won. This forecast is aligned with an increasingly entrenched vision that the economic future begins to build not in adulthood, but in the first years of life. Adolescence and stock market. Apparently, the trend has begun to permeate even among children and adolescents themselves, particularly in the strip from 17 to 19 years. In a recent survey Made by Samsung Securities43% of young people claimed to have an investment account In his name, and 58% declared that they planned to invest in shares soon. This youthful interest contrasts with the traditional lack of financial culture among the youngest in other countries, and reveals a society that, through parental practice and accompaniment, is Refforting your relationship With money from the bases. According to Hwang Seiionresearcher of Korea Capital Market Institutethis phenomenon has low risk due to the small initial amounts and adult guidelines, but it can have a high impact on the literacy long -term financial. Seducing childhood. The last of the legs to be treated. Faced with this hatching of investors Precocosstockbrokers are deploying directed campaigns directly to children and adolescent public. Within the framework of Children’s Day, signatures like Mira Asset Securities, Samsung Securities and Kiwoom Securities offered economic rewardsgift cards and reduced commissions for minors that open their first online accounts. Kiwoomwhich concentrates more than half a million of these children’s accounts, has even launched a Educational Channel On YouTube to teach basic finances in a didactic way. An entire ecosystem that points to a strategic objective: to capture the investor from its earliest stage to consolidate a long -term relationship with the market. Transcending money. The KT told That, in the background, and beyond the accumulation of wealth, this movement represents a sociocultural transformation: money ceases to be a taboo issue between parents and children and becomes part of the dialogue daily. In a dystopia that few were able to advance, tell a small child who is Tesla’s shareholder or who has a fraction of the S&P 500 not only introduces it to the language of capital, but, apparently, offers a new way of understanding his place in the economic world. If you want also, in a historically oriented society to savings and educational effortSouth Korea seems to be finding new ways to translate those values ​​into the 21st century. What was once an envelope with tickets today can be a business fraction, and what was once an ephemeral toy, now it becomes a tool financial training. Childhood, losing along the way part of its playful character, is thus linked to a broader notion of forecast. Because how these hint Parents “Visionaries”It is never too soon to learn to invest in the future. Image | Pexels In Xataka | The last idea of ​​South Korea to lift birth: Free flesh to the new moms South Korea | Seoul is so desperate to activate his birth rate that he has had an idea: give € 700 to those who marry

A Norwegian company is building an empire buying Spanish software startups for SMEs. With patience and without mergers

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Norway houses one of the biggest Spanish software startup buyers, although not well known beyond the niche niche. With five acquisitions since 2021 and more than 250 million euros invested in Spain, Visma has become a fundamental actor in the national technology and entrepreneuraccording to a long analysis of EcoTechers. Operational independence as a management model The Nordic giant broke into the Spanish market in 2021 with The acquisition of HoldedBarcelona business management software, which disbursed more than 190 million euros. Since then, has incorporated to declaring, woffu, quaderno and, The most recent, Tugesto, A Valencian startup that was participated by Angels, Juan Roig’s investment society, president of Mercadona. “I would expect something more this year for own ambition and project ambition. 2025 and 2026 are going to be years of many outings of Private Equity who entered the year 2021 and 2022. We are already beginning to see movements, “says Miguel García-Paredes, responsible for mergers and acquisitions for Spain and Portugal of Visma, according to EcoTechers. The most striking of its strategy is that, unlike other corporate buyers, Visma maintains companies acquired as independent entities, retaining their brands and management teams. “The idea of ​​visma is to set up an ecosystem rather than also from entrepreneurs and conserve the entrepreneur,” said García-Paredes. This philosophy was evident after the recent purchase of Tugesto. As reports The economist“It will continue to operate as an independent company under the same name and address.” Manuel Fandos, CEO of Tugesto, said That this union represents “a unique opportunity to revolutionize business management together, especially in a market such as payroll software, where much remains to be achieved and innovate in Spain.” Who is visma: the discreet multinational Founded in 1996 by merger It was privatized by the HG capital fund. Currently, its shareholding is distributed mainly between HG Capital (70%) and the Sustain Fund of Singapore GIC (14%). The company has closed the year 2024 with 2.8 billion euros of income, a growth of 17%, and 893 million EBITDA (+26.6%)according to data provided to EcoTechers. In Spain, where it has more than 400 employees, it hopes to reach 60 million billing this year. “Spain is one of the highest growth for visma,” said Merete Hverven, CEO of the group, to The economist In 2023. “From our landing in 2021, we grow at a rate of 70%.” Visma has perfected its acquisition strategy after More than 373 completed operations worldwide. Only between 2023 and 2024 closed more than 70 purchases. In Spain, its focus is on SME -centered software startupsan easy pattern to detect seeing your history. According to García-Paredes, they look for companies that meet or approach the “40 rule” for software, that is, the sum of the percentage of income in income and the Ebitda margin is equal to or greater than 40. The company, which has a presence in 27 countries in Europe and Latin America, sees in Spain a strategic market for its size – almost 50 million inhabitants – and for the “growing advance of digitalization”, factors that predict that there will be more acquisitions in the future. Outstanding image | VISMA In Xataka | The technological basis of quantum computers developed in Europe: what happened so that in the long term we lost the race

tips before buying and how to analyze the real capacity of one you have

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There is nothing worse than buying a USB and seeing that you have less memory than they had told you, or that is defective. Therefore, we are going to give you some tips to prevent you from buying a USBboth before making the purchase and once you have done it. We will start with a series of rapid tips on How to avoid scams when buying a USB onlinewhy, sometimes sellers can lie, and it is convenient to have some resources to avoid it. Then we will tell you how to check a USB and see its real memory, and so know if you should return it because they have scammed you or not. I prevents you from being able to sell you a USB We are now with a series of tips to avoid deception in online stores when you are going to buy a USB pendrive. These are some very essential tips that you should always take into account. Look well in descriptions: The pendrive seller may put one thing in the head of the online store’s announcement to get your attention, something that is not very precise, and that is why you must carefully read the characteristics in the descriptions. Find there all the information you can about the unit. Look at the USB version: The USB standard has several versions, and the newer it is faster. If a pendrive is absurdly cheap possibly use the USB 2.0 standard of the year 2000, and it will be very slow. It should be assured that if you are looking for a USB of type A, the great “usual”, use the most modern USB 3.0 standard. Look comments and reviews: If you are in an online store, you should look in the product comments section before buying it. Thus, you can detect complaints that are recurring and that they point out that the USB is not what it seems in some aspects. Distrust of very low prices: As we have told you a couple of points before, when the price of memory is very low, it is possible that there is a trap related to the USB standard version, or that it is even a fraud. That is why they have a high guard with especially low prices. Be careful with little known brands and stores: Try to buy in online stores that you know perfectly, and above all that have comments section. It also tries to resort to consolidated brands of USB, even if they are somewhat more expensive, because this gives you an extra security guarantee. Verify newly bought positives: When you buy an online product you have about 15 days to return. Therefore, if you buy a USB memory, it is important that you verify the amount of memory that you have promised and that it is of the right speed. The fastest type A USB have a blue plasticize that makes them recognizable, for the amount of memory you will need a specific program. How to check the storage of a USB pendrive Imagine you buy a USB of 64 GB but it really has only 32 GB. Or that has 64 GB but half are defective areas that make you lose the data you enter. How can you look at this? To do so you need a specific program that allows you to do it. We recommend you The program Validrivefree available on the web www.grc.com/validrive.htm. It is a completely free, light and very effective program. What he does is Verify the real storage of USB memories before users suffer important losses. The application weighs less than 100 kb, and is portable, so it does not require installing it. It is created for Windowsand you just have to open it and voila. Validrive performs tests of 576 regions of the device connected by USB, analyzing the real reading and writing capacity. It also shows you the results in a visual way, putting the defective areas in red, also indicating other errors. To use it, you just need to launch the application, and in the main menu click on Check USB Drive With a connected unit. Then you will begin to see the tests in real time, and then the results will be shown. You also have other alternatives such as H2TESTW (also free)a more veteran tool although it is not so fast or easy to use. In Xataka Basics | Buy a USB-C cable: 9 things to consider

China had been buying tons and tons of soy to the US for years. A country has won in place: Brazil

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China likes American soybeans. A lot. Every year matters from the fields of Illinois, Minnesota or Iowa Millions of tons From a crop that is consumed directly in pod, it is processed or is intended to feed cattle. The problem is that in full Commercial Warand with him Tariff crossing Of more than 100% applied by Washington and Beijing to their respective exports, that American grain will probably stop being attractive in Chinese factories. It has already happened years ago, during the commercial war of the first mandate of Donald Trump. And then, as now, China began to look with increasing interest other sources of soybeans. Which is it? Argentina and especially Brazil. A figure: 27 million. He Tariff pulse Between the US and China, which has resulted in a rise in encumbrances of more than 100% to the commercial flow in both directions, threatens to hit a key merchandise: soybeans. The reason is very simple. American farmers sell a lot, a lot of soy to the Asian giant. In 2024 that flow exceeded 27 million tons metrics, with a value of 12.8 billion dollars. Moreover, oleaginous seeds (group that includes soy) were one of the main US exports to China in terms of value. Two years ago, the US-China Business Council calculated that, together, oleaginous seeds and cereals represent the largest export of the US to China, with a value that was then ascended to 25.4 billion. To have a clearer image of what soybeans supposes in those accounts, The New York Times Precise that last year mobilized nine cents of each dollar of goods that the US sold in China. USDA data shows that the Asian country monopolizes Something more than 40% of the Total US Soy Sales. A percentage: 135%. That is the rise of tariffs that will have to deal with that huge flow of American grain to China from now on. The percentage is the sum of two increases: the 10% imposed by Beijing in March to the importation of certain agricultural products and The extra 125% With which, already in recent weeks, he responded to the escalation of the commercial war with the US. The question they leave by driving those rise in levies is obvious: how will it affect the flow of American soybeans? Will it remain attractive to the Chinese market with that 135% rates? The issue has generated expectation between The analysts And of course Farmers worry From the US, a good part of them installed in states that, such as Iowa, Indiana or Ohio, are important soy producers and last November they voted for Donald Trump. “We deal with bad weather, pests, tractor breakdowns,” he lamented recently Heather Feuerstein, owner of a Tnyt Michigan farm. To all these challenges are now added tariffs, which in their opinion suppose “a threat” for their way of life. One date: 2017. While the tariff pulse with which he has started 2025 is being particularly intense, it is not the first time that Feuerstein and the rest of his colleagues are seen in a similar situation. Years ago, during his first presidential mandate, Trump has already started a commercial war with China that fully affected soy exports. As? Leading Beijing to bet on other suppliers and reducing the flow of grain ‘made in USA’. Nikkei precise which in 2017 was behind almost 40% of Chinese imports. Although the commercial flow remains high, in 2024 that figure was already 20%. Recently the CNN elaborated A detailed graph in which it shows that between 2017 and 2018 the US soybeans exports to China foster from 31.7 million metric tons to 8.24. Since then the flow has been recovered until it is located at 27.2 last year, although the data remains below the one registered before Trump’s first mandate. In general, from the Department of Agriculture (USDA) esteem that the commercial war caused direct losses to the US agricultural exports that exceeded the 27,000 million of dollars between 2018 and 2019. A country: Brazil. Every war has its winners. And the commercial open years between the US and China has a very clear one if we talk about soybean trade: Brazil. He same graph The CNN shows that as US exports lost bellows those of Brazilian grain shot. From 2016 to 2018 the flow destined for China rose to 68.6 million metric tons and in 2024 the 72.5 million tons were exceeded, well above the US export levels. In general, it is estimated that in recent years China increased 35% Its annual imports of Brazilian soybeans while they reduced the Americans by 14%. If the growth is ever seen the growth was Very superior. What does that mean? That in 2017, Brazilian soybeans supposed about 50% of its imports for China, now Round and 70%. A reflection “will have to acquire more”: “If you can’t get it from the United States, you will have to acquire more than Brazil. And they will have to pay more,” Comment to Tnyt Neusa Lopes, agricultural tour directive, an outstanding soy producer of the state of Mato Grosso, in Brazil. The truth is that the commercial war comes after, at the end of 2024, XI made a state visit to Brazil to strengthen ties between the two countries and the Brazilian Association of Soy Producers I confirmed recently that at the beginning of the month the Asian giant signed contracts for millions of tons of grain. Beyond Brazil, There are analysts They point out that Beijing could rely on Argentina, Another great producer. Between what happened eight years ago and the current scenario there is however An important difference. After years of commercial flow between China and Brazil, today the first one has much easier to stock up on the crops of the South American country. The Asian giant has invested in warehouses, railways, ports and other infrastructure that facilitates the transfer of Brazilian soybeans in Chinese ships. The clearest example is the great open terminal this year in the … Read more

Buying a mobile in China is a brutal savings compared to Spain. The question is whether it ends out expensive

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Mobile prices They have shot themselves, a lot. The High Premium range Round the 1,500 euros, the high range of 1,000 and it is not strange to find mid -range for about 500 euros. This has fired a fever for reconditioned and used mobiles, but also opens an interesting door in a crucial market in Spain: that of Chinese phones. Xiaomi is absolute king in Spainand manufacturers such as Vivo, Oppo and Honor Copan the Top 10. In not a few cases, these phones arrive in our country with cut -out specifications with respect to the Chinese variants. We will try to dissipate that fog around the purchase of mobiles in its Chinese version, outside the traditional distributors that sell the European and global versions we know. Hardware of Chinese VS European Before delving into the purchase process, it is convenient to know what they differ (and why they do) Chinese mobiles with respect to Europeans, since it is not minor details that separate some proposals from others. The battery. If we attend to recent releases, such as the Xiaomi 15 Ultra or the Magic7 Pro Honorthere is a key difference in the Chinese variant: it has much more battery. In Europe we receive practically the same model, but with a quite lower battery capacity. Reason? One: the costs. In the specific case of batteries, the new generation of Silicon-carbon with capacities of 6,000 or more milliamps hour It is especially expensive. Chinese manufacturers sell at a price in their native country, but import telephones to Spain has numerous costs related to transport, fees and taxes. Xiaomi herself recognized us that, if they wanted to continue bringing mobiles without raising prices, They had to cut off somewhere. The software. This is not the only difference we find and, sometimes, the Software differences They are especially relevant. This is the case of Vivo, who sells its phones with A -Ecuchos in Europe and with origin in his native country. OnePlus does the same with Oxygenos In Europe and color in China (although, for practical purposes, they are exactly the same), and Huawei is the most extreme case of all. In Europe, Emui, in China its own operating system, Harmonyos. In addition to not having Google services in China, these software differences can generate important incompatibilities with mobile payment services through NFC, and even HDR content reproduction in Netflix, since there are certain Google certificates that are not available in Chinese variants. The camera. Although camera hardware is usually identical regardless of the mobile version we buy, the image process is usually quite different. Manufacturers adapt how to process the final photography depending on the market to which the phone is intended. Sometimes they succeed, sometimes not so much. This is the case of the living X200 Pro, whose Chinese version Take better photographs than the global Hardware equality. Connectivity. If you buy a mobile in its Chinese version, you may suffer some problems related to connectivity. Yes, all 5G Chinese mobiles can use 5G in Spain, but there is a fact to take into account: bands. In China the same 5G bands are not used, and you may end up buying a phone that lacks crucial bands. What are these bands for? Mainly, so that you have good coverage in complicated areas, such as rural or interior. Some of the most used bands in Spain are not used in China. Mobile payments. Paying with the mobile is a basic, and some mobile phones with Chinese rom have serious problems to get it in Spain. This is due to the lack of native Google services and certification problems such as Play Integrity API. How much we save buying the mobile in China If the question is how much it saves buying a mobile directly from China the question is … big money. Technically at this price we should add VAT and customs costs. The reality is that Chinese stores are responsible for adjusting the customs statement so that we do not have to pay (generally) nothing extra. Even if you have to pay an extra tax, it would continue to account. In some cases, buying the mobile from China costs almost half, a very point to take into account if we are willing to face the small inconveniences we have mentioned above. The questions to be asked when buying a mobile from China Well, we already know that a mobile purchased in China will arrive with Chinese Rom (yes, sellers usually pre -installed Google services so you can use all your apps without problem), which you may miss any band (something you can check in your list of Specs), which you will save a lot of money and may what you are buying is even better than the global model. Now it’s time to answer some extra questions. How long does a mobile take from China? This will depend completely on the store and its shipping method, but this has ceased to be a problem for years. If the store is solvent you can have the mobile at home in less than a week. In the worst case, the waiting time is usually two to three weeks. What guarantee does a telephone bought in China have? If you buy a mobile outside the European Union, the guarantee depends completely on the seller. In recent years, most stores have put the batteries, and offer repair guarantees between one and two years. Of course, we will pay the shipping costs, and sending to China is not especially cheap. What version am I buying? Depending on the version we buy, the phone will have hardware and software characteristics. For example, if we buy an Xiaomi with Global Rom from China, we will have a phone with the best of the European version at a much lower price. If we buy the version with Chinese ROM, we will have a phone with an English system and some problems. It should always be assured which exact … Read more

Tell me what your budget is and I tell you which Bluetooth headphones I recommend buying

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During the Amazon spring offers party we can find many offers, and although the best discounts we see, above all, in mobiles, the headphones are not far behind. Therefore, we have gathered a selection of Bluetooth headphones with different price ranges to adapt to the budget of each person. It is worth mentioning that we have chosen only those that have truly dropped in price during the Amazon campaign. Therefore, We have omitted those who were already offer offer but they have added a poster of “spring offer”. Cmf by nothing buds by 24.99 eurosAmazon’s best selling headphones in the “Study Headphones” category Soundcore Life Q30 by 50.99 eurosAnker’s Super Survents are re -price. Samsung Galaxy Buds Fe by 59 eurosinteresting (and now cheap) headphones that have a 46%discount. Soundcore Space Q45 by 94.99 eurosan almost historical price (for a difference in one euro) in headphones with a spectacular value for money. Shokz Openrun Pro 2 by 169 eurosbone driving headphones that are ideal for sports. Samsung Galaxy Buds3 Pro by 189 eurosvery elegant headphones that have received their best discount to date. Bose quietcomfort ultra by 309.95 euroscomplete headphones that have never been so cheap. Cmf by nothing buds If what we are looking for is to take advantage of the spring offers party, but we want to spend little money on headphones, the Cmf by nothing buds They have dropped to the 24.99 eurosa most interesting figure for what they offer. In addition, they are available at the same price in both orange, which is the most striking, as in white. The CMF Nothing Buds 12 mm drivers mount and have Noise cancellationsomething remarkable for the price they have. They offer a good audio quality and their autonomy reaches 8 hours, 35.5 hours if we have the load or 24 hours (5.2 hours per headset) if we have noise cancellation. In addition, they come with a function wheel in the case to configure the audio volume. * Some price may have changed from the last review Soundcore Life Q30 Anker’s Super Survents have not lost the new edition of the Amazon campaign. The quality-price ratio that the Soundcore Life Q30 In this type of event it is like not very spectacular, so they are ideal if what we are looking for are quality bluetooth headphones paying little money, since they cost right now 50.99 euros. And … what do they stand out? The first thing to mention is that they are comfortable and have an elegant construction. They also come with Active noise cancellationthey have Multipunto connectionfrom the app you can customize many audio parameters – like the level of the ANC or adjust the equalizer – and Its autonomy is up to 50 hours of use. Soundcore Life Q30 (Anker) * Some price may have changed from the last review Samsung Galaxy Buds Fe Some Samsung Bluetooth headphones have also dropped in price – in fact, in this list we have added two. The Samsung Galaxy Buds Fe They are the ones with a cheaper price, and are an ideal purchase option if we look for TWS headphones. You can find them on Amazon by 59 eurosThey come with charger and are available at the same price in white and black. The Samsung Galaxy Buds Fe Not only are beautiful Bluetooth headphones, but they are also quite complete for what they currently cost. They offer Active noise and transparency mode cancellationThey have auto switch connectivity with Samsung, they have tactile controls and a proximity sensor and autonomy reaches until 30 hours with the loading case. * Some price may have changed from the last review Soundcore Space Q45 I have not wanted to lose the opportunity to introduce the headphones that you use daily. The Soundcore Space Q45 I bought them for a higher price than they currently cost, and they are worth each cent. After the offers we have seen in recent months, they have now dropped to the 94.99 euros. They are available at the same price in black, blue and white. The Soundcore Space Q45 They are Anker Bluetooth headphones with a spectacular value for money. They are very comfortable even taking them for hours, they offer a very good audio quality, Its active noise cancellation can be adjusted at five levelsIncludes transparency mode, they have a multipoint connection, it includes a travel case and their autonomy is up to 50 hours of use. If what you are looking for is something similar, but cheaper, the Soundcore Space One They have also dropped to 65.99 euros. The few differences with the SPACE Q45 is that the latter have the adjustment of the metal headband instead of plastic and offer 10 hours more autonomy. Soundcore Space Q45 (Anker) * Some price may have changed from the last review Shokz Openrun Pro 2 We can also find some discounts on Bluetooth bone driving headphones. The Shokz Openrun Pro 2 They have dropped to the 169 euros and are available both in their standard size and in their mini size. These headphones are perfect for sports, they have IP55 certificationthey offer Up to 12 hours of autonomy and have noise cancellation. * Some price may have changed from the last review Samsung Galaxy Buds3 Pro If the previous Bluetooth headphones of Samsung are a bit short, we can also find the offer the offer Samsung Galaxy Buds3 Pro. By 189 euros We have very comfortable headphones in front of a very good noise cancellation. They are available at the same price both in black and white. The Samsung Galaxy Buds3 Pro They offer a very good sound quality, they are very comfortable and Your case is very light (46.5 grams)they have active noise cancellation, have IP57 certification and their autonomy reaches 26 hours with the Anc activated. * Some price may have changed from the last review Bose quietcomfort ultra If we have a good budget and we look for very good Bluetooth headphones, the Bose … Read more

The problem of buying a house in Spain is no longer just its price. Is that you have less than 73 days to decide

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Two and a half months. Something less even. In a real estate market marked by the mismatch between supply and demand and in which Operations increase of sale that is what lasts on a home in available: two and a half months, 73 days To be more precise. A few years ago that data exceeded the 90 days. They are just that, figures, raw data, but they act as a thermometer of the sector. In fact there are cities, especially those that have tension markets, in which the deadline is even lower. A market for fast. In Spain the real estate market has its peculiaritiestrends and Factors susceptible to interpreting in different ways, but of course something is clear: they buy the fastest. He last report Prepared by Technocasa and UPF, it shows that, on average, in 2024 only 73 days were needed to sell a home. The data is interesting for several reasons. First because it is two days less than in 2023. Second, he delves into a trend that dates back to the beginning of the decade, when the properties took average for more than three months to find a buyer. In 2020 the average was 94 days. Beyond the average. 73 is a statistical indicator, the average of sale for the whole of Spain. If we go down to detail and consult the segregated data at the territorial level we verify that there are locations in which the period in which sales are closed is considerably shorter. In Barcelona that average was only 68 days, in Valencia of 67, 66 in Malaga, 62 in Seville and 61 in Bilbao. The market in which the properties last The Madridwhere the brand is in just 60 days. A market, two realities. The report of Tecnocasa Group and UPF Also verify that not all properties run the same fate in the market. According to their data, 55% of homes have been selling less than half a year. Moreover, almost 37% is announced on online platforms and real estate agencies for just three months. In the opposite pole, almost a quarter of the properties (23.6%) have been available for a year or longer. One of the keys could be its overvaluation. The report estimates that in the most ‘veteran’ homes it exceeds 18%. Why is it important? From what he tells us about the market. The authors of the report verify a clear mismatch between the demand, upwards, and an offer that thinns. Two data arrive to check. While 2024 closed above the 266,000 active purchase applications, which is 80,000 more than during the same period of 2023, and the number of potential buyers grew by 39% in December, the housing offer has moved in the direction opposite The Technocasa and UPF report estimates that it fell 9.3%. City Necessary days for sale Saragossa 76 Barcelona 68 Valencia 67 Malaga 66 Seville 62 Bilbao 61 Madrid 60 “A boiling market”. The study calculates that if in an area with a 5,000 -homes real estate park there was an average of 70.9 properties for sale in the late 2023, a year later that data was significantly lower: it was already around 64.3. The result, points to The country José García Montalvo, Professor of Economics, is “a boiling market”. “What we are seeing is that demand is squeezing much more than the supply, which is still insufficient,” emphasize The UPF expert. Another of the keys that help to understand the market is access to financing. The study detects an interannual increase in the average amount of mortgages, which is added to other indicators on credit. For example, registrars of Spain It carries several months verifying a sensitive increase in mortgages. “It’s a real casting”. The phrase is again from García Montalvo and summarizes the reality of the Spanish real estate market, at least as drawn by the Technocasa and UPF report. “The properties have hardly time to appear in the listings before multiple offers compete for them in an authentic casting,” Comment The expert. In a similar line, the director of Analysis of the Tecnocasa Group, Lázaro Cubero, Explain that last year there was “a very important demand increase.” “A 39% increase in a single year is not usual,” duckin reference to the increase of potential buyers that the report detected with respect to December 2023. The other indicator: prices. The time it takes for a home to find a buyer is not the only clue that tells us about demand and supply. There is another even more eloquent indicator: prices. After calculating the measure of a selection of cities, the Technocasa report indicates that in the second semester of 2024 the M2 stood at 2,802 euros, 12.13% more than during the same period of 2023. The report is also interesting for another reason. Its technicians estimate that the price in the second semester of 2024 was more or less at levels of mid -2005, but still far from the dimensions that were reached during the real estate bubble, between 2006 and 2007. In recent weeks Some experts They have pointed out that the M2 would have already exceeded the 2007 values, although everything indicates that the Sorpasso It focuses only on nominal prices, not real. That is, this calculation obviates the effect of inflation. Does it happen only in sales? No. The sales rate will be increasingly agile in the sale market (at least among the properties not excessively overvalued by its vendors), but pales compared to the tempos of the residential rental market. At the beginning of 2024 idealista calculated that 18% of homes They were leaving in their portal did not last 24 hours free. Moreover, in some cities the percentage of homes with a fleeting step by real estate was even greater: in Tarragona they were 31% and in San Sebastián 29%. Images | ZHIYUAN SUN (UNSPLASH) and Jonas Denil (UNSPLASH) In Xataka | Spain urgently needs to build thousands of homes. In the Basque Country they have … Read more

There are more and more brotherhoods buying mantles, sizes and goldsmiths in Southeast Asia

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At the beginning of the year, a group of faithful gave A blue velvet mantle embroidered in gold To the Virgin of Los Angeles de Morón de la Frontera. The idea of ​​the group was for the image to use during its processional exits and the brotherhood of the sovereign power of the town received it willingly. Then the controversy exploded: the mantle They had done it in a Bangladés workshop. Sacred art in Bangladés? This same week, the Sacred Art Associations of Andalusia have launched a statement in which alert proliferation of brotherhood goods “carried out by workshops located in foreign countries such as Pakistan or Bangladesh that not only have low quality but are the result of the plagiarism of work that these artisans.” There are two great reasons for it. The first (and this will not surprise anyone) is money: as calculated at that timethe mantle of the Virgen de los Ángeles would have cost three times more if it had been done in a Spanish workshop. As the associations explainfor years the Cofrade world has been suffering “incessant bombardment (of advertising of) alleged companies that commit to brown pieces, particularly embroidered to the Sevillian stive, in addition to cordonerías, homiatures and galaonerías.” Usually, using “photographs of pieces that we have created” with the aim of trying to confuse the client. They also promise to do it quickly. Because that is the second reason: time. As it seems, of the Three years on average It takes to make a mantle here is a few months. A problem goes beyond embroidery … According to Andalusian artisans, the problem “also” affects other disciplines such as wood size, gold or goldsmiths. ” And, of course, it is the order of the day in products of less artistic interest such as robes, layers, cingles and other belongings. The pressure is huge. … and that is ceasing to be a taboo. What has begun to change in recent years is that the brotherhoods are stopping hiding. The clearest example is the brotherhood of the clemency of Jerez de la Frontera. The brotherhood commissioned the design of the mantle From the Virgin of Health and Hope to a Sevillian designer (Carmelo Argumedo), but the piece was made in Pakistan. In addition, the brotherhood did not hide, The advances by videoconference followed and has caused an effect called among other brotherhoods of the community. What is happening with Holy Week? It is still curious that, As José Luis Losa pointed out in El ConfidencialLast year the Ministry of Culture granted one of the Fine Arts Medals to the Sacred Art Association of Seville for one “History of more than six centuries in which all trades related to sacred art have been maintained uninterruptedly, magnifying artistic heritage.” And it’s normal. Holy Week does not stop growing so much in social weight as in economic and political weight: It is logical that he suffers the same pressures as the rest of the world’s social phenomena. The Great Pegag is where that takes us and, it seems, the first station is in Southeast Asia. Image | Alfredo José Ortiz Garcia | Hamid Roshaan In Xataka | Andalusia is very proud of its Holy Week. So much that he wants to start teaching it in schools

Now consider buying the landfill

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James Howells is convinced that somewhere in a Newport landfill in Wales, there is a hard drive with more than 700 million euros in Bitcoins that belong to him. The storage unit ended in the garbage more than a decade ago, when the British discarded it by error in 2013. When the City Council learned of the case months later, made clear that Rescuing the hard drive would have required acting quickly. Because? Because every day that passed it meant more layers of waste and land accumulating on the lost device, further making possible recovery. Decades after a lost treasure It is not known with certainty when Howells submitted a formal request to look for the hard drive on the landfill, But Wired reported in 2017 that local authorities They had denied access. While his fortune continued to grow, the hard drive was increasingly buried under tons of waste. In recent years, the British has not stopped insisting, although without success. He got sponsors to cover the expenses of the taskswhich could extend for several months. In addition, he promised to donate 10% of the bitcoins recovered to the City Council if he achieved their goal. But the rejection was categorical again and again. The Council cited several arguments, including such activities would have a negative environmental impact and that, probably, the device would already be in unusable condition. Before the refusal, Howells sued the Newport City Council last year. The plaintiff’s attempt to offer a reward in Bitcoins was considered a “bribe” towards the City Council. Finally, the case was elevated to the Superior Court, that ended up dismissing it. Judge Keyer KC said approximately a month ago that the claim had no “realistic successful perspectives.” Everything seemed to indicate that the millionaire without his millions had lost any possibility of acting. However, an unexpected movement has given him a new opportunity. Newport has announced plans to close the landfill and turn part of the land On a solar farm. Howells has acted immediately. One of the obstacles of his search mission was that the landfill would have to close for several months, something that the City Council considered harmful to the inhabitants of the place. Now things seem to be changing, and there is a certain halo of hope for the insistent resident. “If the Newport City Council was arranged, it would potentially be interested in Buy the landfill ‘As is’, and I have discussed this option with investor partners. It is something that is very on the table, ”said Howells on Monday. Touch to wait to know if this time the affected will succeed in their attempt. Images | James Howells (Instagram) + Photoshop | KANCHANARA In Xataka | Loans with cryptocurrencies arrive as a guarantee. As a mortgage, but with Bitcoins instead of real estate

In the Canary Islands accessing a home is an impossible mission. So an NGO is buying and renting for 300 euros per month

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In mid -October, just after thousands of people They went out to the street in Madrid to claim more affordable rentals and threatened with a ‘Tenant strike’the Housing Minister recognized that Spain is going through an “emergency situation” in residential matters. It is not easy Buy a house. Neither rent it. Especially where the markets are more tension for demand, case of Barcelona, Madrid or the Canary Islands, where The added pressure of mass tourism already forces some workers to Live in motorhomes. With that backdrop in the Canary Islands an experience has emerged that reveals to what extent the housing has become a first level challenge In Spain: an NGO has decided to provide houses for rent at affordable prices. An NGO that manages houses? Correct. The news He advanced a few days ago to be the palms. In full Rent climbing and with the house turned into one of the problems that most removes the dream of the Spaniards According to CIS pollsin the Canary Islands a non -profit organization (Provivienda) seeks to put it a little easier for families who want to rent a house. As? The SER chain Precise that through the acquisition of houses in the free market that then leases vulnerable tenants in exchange for a price much lower than the market, about 340 euros per month. The agreement has a series of conditions For example, beneficiaries commit themselves to rent seven years and contracts can extend for several decades. Click on the image to go to Tweet. “Pioneer at the state level”. Fernando Rodríguez, manager of Provivienda, He claimed that his initiative is “pioneer” at “state level” and defended his benefits. “Until now the promotion of public housing was in the hands of the administration and secondly of the promoters. Here we have opened a third way, the third sector as a provider of social public housing,” assures. In 2024 se They leased 40 houses Already ends of this year Rodríguez hopes to have a park of almost A hundred of houses to offer them in exchange for social income. This expects to alleviate one of the “structural problems” that, in its opinion, suffers from the Canarian market: the shortage of affordable rentals. Floors for 340 euros. “We have already started with the rent of the first homes and the average income is around 340 euros per month,” assures The head of Provivienda. Leased apartments are reinforced and ended up by people registered in the Registration of plaintiffs of Public Housing of the Canary Islands, which basically pay their rent and invoices. Community expenses, the Real Estate Tax (IBI), the garbage fee or insurance is assumed by the lessor. Regarding income prices and why this average of 340 euros per month has decided, Rodríguez Clarify That the rentals are limited to five euros the m2 and the houses are around 65 and 70 m2. Adding efforts (and investment). The NGO is not the only one that takes chest. In May 2023 the Canary Islands Government announced The investment of 6.2 million euros for the purchase of 76 homes that would be allocated to the “affordable rent for vulnerable families” by the hand of Provivienda. “An agreement has been signed with the Association for the Purchase of Housing in municipalities tension for the price of rents,” explained The office of Sebastián Franquis. The statement issued in 2023 by the Ministry, it helps to better understand the housing program and how the apartments that are then rented to vulnerable persons are acquired with the help of Provivienda. The 10.2 million that cost to get those 76 houses, for example, were paid to 60% with public funds and 40% with resources contributed by the organization itself. Families excluded from the market. The organization also selects the properties following several criteria. In the case of the 76 announced in 2023, for example, the houses They were distributed For Las Palmas de Gran Canaria, Telde, Santa Cruz de Tenerife, San Cristóbal de la Laguna, Arona and Los Llanos de Aridane. “Financed homes may only be leased or assigned to persons whose annual income, including those of all people who constitute the coexistence unit, do not exceed three times the IPREM (20,844 euros per year) at the time of subscription of the corresponding contract of lease or assignment “, The island government added. The objective: that can benefit from the “Vulnerable Families who cannot access a free market house” program. What is Provivienda? In 2023 the Canarian Executive I presented it As a non -governmental organization constituted as a non -profit association dedicated to “promote housing and social housing programs”, especially for those who have more problems when accessing a floor. According to regional government calculations, by Enton, more than 25,000 homes for rent only in the Canary Islands. Last year the government He announced again A collaboration agreement with the Association to “consolidate” the ‘Vacía Housing’ program. The entity too Help immigrants to seek residence and has reached agreements with Other public bodies Out of the islands, like the Xunta de Galicia. The backdrop. As a backdrop is the difficult residential panorama that is lived in much of the country, including the archipelago, where already They have registered protests for the effects of Tourist. Idealista data show that the price of M2 for rent in Santa Cruz de Tenerife has been more expensive 13.5% in a year until touching the 14 euros. In Las Palmas that figure is exceeded after A 8.4% rise. Both far exceed € 5/m2 of the social program. This housekeeping housing has made access to the archipelago, a reality already verified by different organisms. He XIV Report The state of povertypresented last autumn in the Canarian Parliament, it reflects for example the percentage decrease in people residing in houses in their property in just a few years or how housing is already in a vulnerability factor. Images | Vidar Nordlii-Mathisen (UNSPLASH) In Xataka | If you have an empty house, pay twice the … Read more

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