children

Pension plans for six -year -old children

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Let’s say that for a while this part, talk about Retirement It produces some stress in the world population. Spain has offered a solution, although of “high risk”. In Europe they have thought that the best It is delaying itand in Denmark they have seemed little and they have postponed it until 70. In South Korea even the term “old”and in Japan retirement simply It is disappearing For work sine die. The latter comes from Germany and opens an unknown melon. Primary retirement plan. It CNBC had. While millions of retirees In the United States and United Kingdom They are forced to “discourage” for not having saved enough, Germany proposes a radically opposite measure: open retirement accounts for children From the age of six. The plan, promoted by the German coalition government, contemplates contributing 10 euros per month for 12 years to all school minors, thus accumulating at least 1,440 euros per personBut the benefits that can be generated by the investment of these funds. And more. Then, from the age of 18, young people will be able to make personal contributions and enjoy tax yields until retirement, currently set at 67. Dystopia or not, it is a policy designed not only to relieve the load of the public system, but such and as they tellalso to promote the culture of savings from childhood and prevent future generations to repeat the pattern of financial insecurity that today forces many retirees to return to the labor market. In reverse boomers. Meanwhile, reality contrasts with force on the other side of the Atlantic. Fortune explained that the number of people over 65 who still work in the United States It has quadrupled Since the 80s, reaching almost 20% of that strip (about 11 million people), according to the Pew Research Center. In the United Kingdom, a similar proportion of Baby Boomers and members of generation X are already “disrupting” or planning to do so. In many cases, their desires for active retirement, full of trips and personal projects, collide with insufficient piggy bank, affected by inflation, uncertainty in unrealistic markets and expectations during working years. When time is everything. The German proposal makes even more sense when analyzing the light of the impact of compound interest, the financial mechanism that multiplies the capital accumulated over time. Financial Expert Suze Orman told Financial Expert that it has been shown that, just by investing $ 100 per month from the age of 25 and obtaining a 12% annual profitability, a young man could reach More than one million dollars When you retire. Starting five years later would reduce that total by little more than 600,000. From that prism, imagine then what would be possible if the process begins not at 25, but at six years, it is very sweet tooth. A sustained accumulation for six decades could allow future German retirees to enjoy unthinkable financial security for many today. Intergenerational experiment. Although some experts warn that the initial contribution is symbolic and that the passivity of the process could limit its value Educational, the German plan points to a relevant cultural and psychological dimension. Get into childhood The notion of savingsprofitability and long -term planning can modify family habits, especially in contexts where conversation about money rarely takes place. And, if accompanied by a solid financial education and a responsible and transparent management of investments, they explain that the foundations for a more autonomous generationA, resilient and financially conscious. Of premature retirement to savings in nurseries. No doubt, the image of a six -year -old boy with an open retirement account may seem more typical of a dystopia, but behind it hides a sadly unavoidable truth: financial sustainability in old age seems to start long before the first salaries. Germany, with its proposal of pension Earlynot only seeks to relieve the public system and redistribute the generational effort, but to prevent forced return to work that millions of retirees live in the West today. In front of the reality of generations They must give up golden for lack of foresight or because simply They have had no choicea preventive German model is erected that bets on financial pedagogy and long -term investment as pillars of worthy retirement. In South Korea they had already advanced it … although there they changed the purchase of toys By actions of Tesla. Image | Pexels, Stockcake In Xataka | Europe is delaying retirement age until 67. Denmark has seemed little and they have postponed it to 70 years In Xataka | There is a man who has been working for the same company for 86 years. And you have no plans to retire

The idea of ​​the real estate employer so that the children “inherit” their parents’ mortgages

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According to the barometer of the May 2025 Sociological Research Center (CIS), the house is The greatest concern of the Spaniards. On the other hand, the National Institute of Statistics (INE) provides some response from the reason for that concern: housing is, by far, the Greater household expense In Spain. Buying a home implies, in most cases, to assume a mortgage of more than 30 years that places its headlines on the retirement threshold. Some ask to wear that threshold a little further. Given the impossibility of expanding the duration of the mortgages, if the housing rises, only the amount of the quotas could be increased by aggravating the risk of defaults. The solution that real estate promoters have put on the table in the V edition of The great real estate day: 70 -year -old mortgages instead of 30 years. Longer and longer mortgages. The price of housing, conditioned by a mismatch between supply and demand in urban areas, as well as the pressure exerted by its use as holiday renthas made the price of housing shoot. According to INE datain March 2025 the average mortgage was for an amount of 156,698 euros, while in the same month of 2024 it was 137,049 euros. To compensate for that climb, the new mortgages that have been registering do not choose to raise their fees, but have been stretching their expiration date until they are located at an average of 24.47 years in 2023, According to data of the Bank of Spain. That is, it is increasingly common to find mortgages of 30 years or more due to the impossibility of assuming a more expensive monthly fee. So how can it face a more than probable housing price escalation? According to the employer of promoters who met in the real estate forum organized by The economist: “Who says that 70 year old mortgages will be seen.” Two lives to pay the mortgage. Far from assuming the remote possibility that some change in construction costs wave Urbanizable Land Liberation It can make the price of the house be contained, the proposal of the real estate promoters puts the ball on the roof of the financial system. “This will continue until the body endures. It will continue to stress until there is no payment capacity,” declared Ignacio Moreno, CEO of Aurora Homes, in The economist. Mortgages at 70 years involves the assumption of high credit risks of the banking sector since it implies signing a 70 -year mortgage with a holder who, for obvious biological reasons, will finish paying their offspring or heirs. In addition to increasing the credit cost for customers, who would pay an overrun in interest. With the banks that do not count. Banking entities, on the other hand, are not very motivated to increase the flow of credit for the purchase of housing due to the economic uncertainty generated by the US tariff policy. The European Central Bank has applied successive Down in interest rates lowering the price of mortgages. That has generated an increase in the loans for the purchase of a home in what we have been in 2025. According to the INE datain March 2025, new 42,831 mortgages were signed, compared to 29,641 mortgages that were recorded in the same month of 2024. However, bank entities have not improved the conditions of their mortgage products and the average interest rate for mortgages signed in the last month was 2.97%. Inherited mortgages. The proposal of the promoters, in fact, is already a reality in the cases of succession. Mortgages, like any other debt, are assumed by heirs When they accept inheritance. However, there are also Formulas to liquidate the mortgage Inherited using the bequeathed goods to pay off the debt (inheritance for the benefit of inventory) In any case, when Receive an inheritanceall goods are received, but also their loads. In that context, an heir can assume the mortgage and the banking entity will reevaluate the credit risk demanding greater guarantees if its risk profile is greater than that of the mortgage holder, or better conditions if their financial situation is better. In Xataka | In case Madrid had few problems with housing, now adds one more: US millionaires investing in the city Image | Unspash (Joemi Brazier)

In Japan there were parents by putting their children the name of “Pokémon” or “Doraemon”. The government has said enough

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Japan has a Name, word or expression For almost all those things that we have a whole phrase. You have it to explain the Great demographic challenge of the nation, for the Young phobia To go to school, to explain How tokyo hell grows While the rest sinks, to explain that you can take a nap at work without fear to fire youand you even have it to explain the inexplicable: men who ram To women. Thus, how weren’t they going to have one to explain the fashion of extravagant names to babies? In fact, now they have said enough. Coto to “creativity.” The Japanese government has introduced new norms that limit freedom with which parents They can name to their children, focusing specifically on the pronunciation of Kanji characters allowed in the Civil Registry. This reform seeks to contain the growing wave of attention, the names Kirakiranickname received by striking or extravagant names, which since the 1990s have caused confusion in administrative and sometimes teasing to children. Although the use of Kanji (the Chinese characters adapted to the Japanese) is not prohibited, from now on the parents must Declare phonetic reading of the name and stick to officially recognized pronunciations, with the aim of avoiding unusual or controversial interpretations. Response to linguistic chaos. I think I don’t walk very disabled if I say this problem It is not unpublished from Japanbut there, apparently, the proliferation of these names with unconventional readings has represented a growing problem for schools, hospitals and public services, especially in a society that It depends on digital records standardized. Some parents have brought their eagerness to originality to the extreme, choosing names like Pikachu, Pokémon, Kitty, Naiki (Nike), Pū (Winnie The Pooh), ōjisama (Prince) or even Akuma (Demon), which has generated both social and institutional criticisms. Although these names often employ legal kanjis, their pronunciation was not precedent, which turned their interpretation into a real puzzle. Japanese alphabet Tradition that clashes. The new regulations is also a way to balance the tension between the desire to highlight and the weight of the Japanese tradition, which usually privileges homogeneity and social harmony. In a country where collective values ​​even influence breeding, many parents defended their elections as An act of personal expression in front of a culture of strong conformism. Here are emblematic cases such as the Seiko Hashimoto politicswhich called his children Girishia (Greece) and Torino (Turin) in tribute to games Olympic, cases that illustrate how even public figures have challenged traditional codes, although with consequences of misunderstanding by the environment. Pragmatic adjustment in order. Plus: the law does not intend to eliminate the variety of names, but rather ordering the use of language: of the about 3,000 kanji allowed, many have multiple accepted readings, but certain phonetic combinations They were so extravagant that They were unintelligible. In this way, from now on, parents who opt for unusual pronunciations must justify their choice in writing and, if it is not considered reasonable, they will have to Propose an alternative more understandable. The authorities have indicated that only the most extreme cases will be rejected, which suggests that reasonable regulation is sought, rather than a strict prohibition. An exceptional change. History is still relevant news in the case of Japan. The reform is a rare modification of the kosekithe legal registry of the Japanese family unit, which includes the names and birth dates of the head of the family, his spouse and children. In that sense, the New criteria of pronunciation marks a precedent: it is the first time that not only the written character is regulated, but also your readingas a mechanism to protect the administrative and linguistic integrity of the system. If you want also, in an era more and more digitized, where data coherence becomes essential, Japan, who if not, has chosen to protect your system through the language, channeling personal creativity, but within understandable and functional limits. We feel it deeply, Charmander. You are in danger of extinction. Image | Pexels, PRINTERVAL, Itoldya Test1 In Xataka | Japan’s great demographic challenge is called “Sato-Tizo”: in 2531 all its inhabitants will be called the same In Xataka | Japan is living something unpublished in its most emblematic neighborhoods: the “chinification” of anime and video games

Nothing “anti children” series

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Russia wants to have children ” be fashionable“Not only that. A few months ago Vladimir Putin acknowledged that it aspires to be common to meet large families in the country, with seven or even 10 members,” as it used to be “, Apostilled. With that purpose the Kremlin has deployed a range of measures ranging from the delivery of Aid to families to Declare war To abortion, advance as much as possible motherhood or directly muteto those who defend a lifestyle without children. Now to that arsenal of measures will add another: nothing of films or series in which that same idea comes, the possibility of leading a life free of offspring. What happened? That the Kremlin has decided to close the door to the series and films that, in his opinion, can harm one of their great objectives: refloat birth of the country. Parlaméntskaya Gazetathe Federal Assembly Magazine has published An article in which he reveals that the Ministry of Culture will deny the distribution certificate in Russia to those works that “promote” life without children or “propaganda” related to the subject. It is a measure similar to that applied, for example to films with pornographic content, violent and bloody scenes or “demonstration of non -traditional sexual preferences.” Parliament magazine Precise In addition, the order was published on May 15 and will enter into force in September. With it, he insists, the organism does nothing but adapt to the norm that already prohibits disseminating ideas contrary to procreation. What standard is that? One of the tools with which the Kremlin tries to raise the birth of the country. As remember own Parlaméntskaya Gazetain September of last year there was a bill in Russia that proposed to restrict the dissemination of ideas contrary to paternity. The proposal came endorsed by heavyweights of the Duma, such as Vyacheslav VolodinPresident of the Chamber, and was approved months later together with a series of changes in the Code of Administrative Infractions that contemplate fines for those who do not meet that pattern. To be more precise, sanctions of 400,000 rubles (4,400 euros) for individuals, 800,000 (8,800 euros) for officials and up to five million for companies, about 55,200 euros. What series will be affected? The Order of the Ministry of Culture will not enter into force until September, which is when the criteria to classify the works that do not pass the cut will be set. “Based on this, the agency will block content on the Internet,” Collect the Gazettethat advances in any case that the Russian authorities will focus on those pieces that encourage not having children, raise “distorted ideas” at a social level or transfer a negative image of pregnancy, motherhood or paternity. In those cases the films risk disappearing from online platforms or blocked, regardless of when they have been released. “In each specific case the decision is made by experts,” Concrete Alexander Yushchenkoof the Information Policy Committee of the State Duna. Are there concrete examples? Although it makes it clear that the Russian regulator (Roskomnadzor) has not yet carried out any official analysis, Parliamentskaya Gazeta He has launched a couple of titles that help understand where the shots will go. “In autumn of 2025 films that in one way or another contain information about people without children or with a similar ideology could disappear from platforms. For example (…), among them the popular series may be ‘House of Cards’in which Claire heroine always puts his career before. “Another example he refers to is’Sex in New York ‘focusing on the character of Samantha. Are they the only ones? No. The publication suggests More titles. For example, Brienne’s character in ‘Game of Thrones’ Or even points to one of Hollywood’s most popular sagas, inspired by JK Rowling’s youth novels. “Even in the harmless saga of Harry Potter We believe to find an indication of Childfree: Professor McGonagall had no children “, Point out the magazinealthough he adds: “We must recognize that it is not clear if it was a conscious choice or if something did not work.” How bad is Russian birth? His figures are not good. And that access to their demographic statistics It has been complicated coinciding precisely with the “puncture” of birth. According to ROSSTAT data cited by Idhusduring the first two months of this year the country counted 195,400 births, 3% less than in 2024. The demographer Alexéi Raksha estimates that in February, a particularly bad month, the Russian birth rate stood at its lowest level since the 19th century. That panorama is aggravated with 331,100 deaths registered in a country at war with Ukraine (the conflict has generated Thousands of casualties Between both sides), which has resulted in a loss of population. The graphics The World Group shows that the country’s total census has fallen over the last years, moving away from the 150 million inhabitants that reached in the early 90s. In 2023, and without counting the territories occupied in Ukraine, it is 144 million. Some projections estimate that in just two decades that figure will have dropped to 132 million and in the worst stage at the beginning of the next century It will have stayed at 83. “Let it be fashionable again”. Kremlin’s position before these figures is clear. A few months ago Putin It was set as a goal That his government makes it possible for “having many children to be fashionable again”, with large families that help the country’s demographic engine not flu. With that purpose Moscow has deployed a wide range of measures, just as other nations have done with their demography in low hours, Like China either South Korea. In the case of Russia that recipe book “pronatality” includes aid to families, a position tougher with abortion and controversial decisions, such as Incentives For pregnancy among young people or measures that seek to silence the “propaganda” Against birth. “Protect from ideology”. “It is important to protect people, especially the younger generations, from the ideology about the lack of … Read more

In Europe, more rent among women always equals less children. A country has managed to change it: Sweden

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A while ago Martin Kolk, a demographer from the University of Stockholm, asked an interesting question: does the income level influence the number of children who have men and women throughout their lives? And if so, to what extent? To answer these issues he dedicated himself to combing the fertility and income databases of his country, Sweden, of the last decades. The result He published it In 2022 in Population Studieswhere it reveals a change in tendency in Swedish society that, like Kolk himself stands outcould move to other nations. Your conclusion It is as simple as it is interesting: Sweden seems to have ended The paradox that often the richest people are the least children. Issue of children and money. Having children demand money. Last year Save the Children He made accounts And he concluded that, on average, in Spain he leaves 758 euros per month, if they have as soon as all the factors involved in parenting, from food to education, health or the need for a broader housing. Despite that reality (paternity costs) there are many low -per capita income in which the fertility rate is Very superior to that of other richer nations. For example, it occurs with Niger and the United Kingdom. The other question. Another phenomenon that demographers have observed in the past, such as remember The Institute for Family Studies (IFS), is that in the rich countries women with the highest level of education and labor perspectives have fewer children. “While the theoretical arguments that (…) affirm that the richest parents should be able to have more children, industrial societies of the twentieth century have shown the reverse pattern,” Kolk points out. The United States offers A good example: The highest birth rate is achieved by the poorest families. The big question is … Is that trend still true? Diving between data. To answer that question and others as to what extent the income affects birth or, in reverse, how motherhood in income influences, Martin Kolk opted for a peculiar strategy: took into account the accumulated income by its compatriots throughout its life, analyzing in detail the 40 -year Swedish data and income for each birth cohort. Its analysis covers a wide period that extends to the 1940s, 1950s, 1960s and 1970s, valuing the “accumulated income” in Swedish crowns. The analysis, of course, has its biases. Kolk focused only on the Swedish population, leaving even the people who had emigrated. However, his work is thorough: he analyzes people between the ages of 20 and 60, valued the income that they “accumulate” when they reach 50 years and took into account factors such as available income or aid to fatherhood. Men: richer, more children. In the case of men, he appreciated a fairly clear relationship between accumulated income and fatherhood that has not left great surprises over the years. “The richest men are the ones who have the most children and that pattern has accentuated over time. At higher income, more children,” Comment The Stockholm expert, which even warns: “It is increasingly frequent that men with very low income do not have children.” In his study, Kolk points out that it is not so much that the richest men accumulate a lot of offspring as it is more frequent that they have two, three or four offspring compared to other men with a more adjusted income level. And what about women? It is there where research gets interesting. Among the Kolk women did appreciate a trend change. And of course. While between those born in the 1940s and 1950s, lower income (accumulated income available) was accompanied by more children, which did so over the subsequent years (between 1960 and 1970) showed the opposite photo: the highest income indicated greater offspring. “The trend is reversed: the pattern is more similar to that of men”, Confirm. The full photography is somewhat more complicated. Women with the highest income, for example, are not necessarily those who have the greatest number of children and the trend is not exactly the same if we talk about “accumulated income” or profits. But from the University of Stockholm they appreciate in any case a “significant change” in the fertility pattern of women. And a change that breaks with what was the general tonic for a long time. “The results contrast with those of many other high -income countries in the twentieth and twenty -first centuries, in which researchers have shown that it was more common to have many children among men and women with lower income.” Looking for the causes. Detected the change in trend, the next question is obvious: why? What has caused it? Kolk points to social changes (especially those related to the labor market) and family policies of Sweden. Unlike what could happen decades ago, when many of the women who had children were housewives dedicated to home care, now “women do not have to choose between having children and follow a career.” “What is observed is a transformation of a society where women, to some extent, had to choose between a professional career or have children to a society in which these decisions no longer have to make.” Among the women of the 1940s and 195th, those of lower income were often housewives. It is demography … and above all it is economy. The study shows another valuable reading, especially for countries that have seen how their fertility descended over the years. Research shows that in general people with very low income levels do not usually have children, something extensible to men and women. Also clarify that this pattern “It has accentuated over time”which confirms to what extent the economic factors influence motherhood. “Today, an increasing number of women and men with low income in Sweden decide not to have children,” concludes The expert as an example. “The paradox is left behind”. For IFS Kolk’s research reveals that “at least in Sweden the paradox that the richest people have less children seems to be left behind,” … Read more

A retiree and his children have stolen millions of dollars to Ford in office material. Indeed, lights, caps and bumper

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Although in February this year Audi closed its Brussels plant After 75 years in operation, the road was not simple. In the middle of the workers’ protests, someone had an idea: take the keys of 200 cars, put them in a box and remove them from the factory. Clean, simple and with 200 kidnapped cars whose unit value was around 100,000 euros. As simple as keep a box under the jacket and go through the door. More complicated seems to steal the entire engine of a car. This is what was discovered A few months ago in India. For five years, up to 900 Kia combustion engines were stolen from their plants and has not been clear to what extent some worker of the company itself is involved. However, and although large, one can understand that engines from a factory have been steal if they manage to partially disassemble. But how can one take a car cap? And a bumper? This is what they wonder in Ford where a retiree and two children, company workers, have committed a “billionaire” robbery for more than two years. Hello, dad, I bring you a bumper The information, which comes from Detroit Free Pressa police note echoed in which it was confirmed that four people have been arrested for the theft of pieces of different Ford assembly chains that later sold on Ebay. Among those arrested is a former Ford employee but the identity of any of them has not been revealed so far. The pieces were stolen from three Ford plants, one in Deabane, another on a mounting plant in Michigan and one last in Flat Rock. In Motorpasion and The Drive They point out that three of these four men were family. One of them was a retired father and the other two were his children who had contact with a Ford employee. The extracted pieces were taken to stores where they accumulated for sale. A robbery that, according to the local police, is encrypted in “multimillionaire”. And it is that the four employees would have been subtracting and selling pieces for more than two years. The most curious thing is that it is not small or easy to hide pieces. Among the products found were car headlights but also Bumper and Capóslarge pieces therefore. An agent pointed to Fox That the stores where the pieces were stored were covered to the roof. The investigation is analyzing how these pieces could be taken out of the plant without attracting attention from other employees and will have to discover how they were eliminated from the inventory so as not to attract attention since all the pieces in a mounting plant usually have some type of code that identifies each piece. In addition, from the police they point out that they are still looking for new indications that take them to ships or warehouses where the suspects could save the pieces, taking into account the volume of them and the economic damage that it seems to have caused. Photo | Ford In Xataka | The “Sowing Method” alerted by the Civil Guard: this is the new scam popular in the great parking lots

Aragon wanted his children to eat more fruit at school. So he went to look for her 10,000 kilometers away

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The Aragonese political debate has waited these days with two unexpected protagonists: fruit and schools. Or rather, the fruit that is distributed in schools. Although Aragon has thousands and thousands of hectares full of fruit and vegetable trees and stands out in the production Of cherry, peach and apples, among other fruits, the farmers of the region have raised their voice to complain that in the educational centers of their villages, pieces that arrive from plantations located abroad are being distributed, in some cases thousands of kilometers. The complaint the has launched the union of farmers and ranchers of Aragon (UAGA) and puts the finger in a yaga that already has taken to the collective To the street. What happened? The complaint has been made public UAGA-COAG. In A statement Published yesterday the Agrarian Organization ensures that there are dining rooms of educational centers in Aragon in which fruit arrives from foreign countries is being distributed. Moreover, UAGA goes further and claims to have witnesses confirming that in several schools in the region oranges from Egypt and pears of South Africa have been delivered, cultivated to more than 10,000 kilometers of distance. As a test, the association includes a photograph in which a box of pears is shown that indicates that its origin is South Africa, although there is no reference that reveals that the image was taken in a Aragon school. Click on the image to go to Tweet. “Unfair competition”. In its statement UAGA claims to feel “outraged” by the importation of fruits that it is perfectly possible to find in the Spanish fields and questions that countries from which the merchandise is brought meet the sanitary, environmental and labor standards that the European Union does require that community farmers. “It involves the violation of the demands of the organization and the fruit growers that require the application of ‘mirror clauses’ to imports from third countries “, They emphasize From the collective. UAGA-COAG wields two reasons that, in their opinion, condemn local farmers to suffer “unfair competition” against imports from other countries. The first is the strict regulation imposed by Brussels to European plantations on the use of pesticides, manipulation and conservation of fruit. The second is labor costs. While in Spain they go up every year, in Egypt, complaintthe minimum wage is 176 euros per month and in South Africa it is around 270. Looking at the EU. The complaint of the UAGA has reached enough draft for the Aragon Government to have gone to give explanations. The regional press appointment Sources of the Ministry of Agriculture that clarify that the key is in the financing of the lunch and sowing program to schools: the funds start from the EU, with what they arrive accompanied by their standards. When hiring the fruit supply, a geographical proximity requirement is not applied nor is it requested that the products be of community origin precisely to avoid a “discriminatory competitive advantage” in the process. The regional government argues that its role is that of intermediary. And now what? The Regional Executive emphasize Also that the objective is to “consolidate healthy eating habits” among schoolchildren and that fruit and milk are distributed at times such as lunch and snack, not in dining services. The program is not exactly new, but now it is offered with mixed funds that combine a community contribution and another from Aragon. With the EU money, a lot of 300,000 euros that is managed with the requirements of Brussels is paid. With the one contributed by the Aragon government, another 200,000 is financed that can handle with its own criteria. And the administration already guarantees that, “in line with its defense of the local product,” will give priority to proximity productions. The idea is to distribute cherries, apricot and nectarines, although they can also be replaced by apples or pears if requested by the centers. Beyond schools. The fruit distribution program is important because it reaches hundreds of school points and thousands of children, but the “outrage” of Uaga-Coag is not explained only by the alleged distribution of pears of South Africa and oranges of Egypt instead of fruit grown in the Aragonese countryside. Farmers It has come out To the street On several occasions to claim decent prices, changes in community policy and greater controls to ensure that the merchandise that comes to the country conforms to the community demands with which they work. “These parameters make it possible to import fruit from third countries profitable for certain companies and generate unfair competition at all levels,” the Agrarian Association in Your statement. “To end these practices, UAGA insists on claiming public administrations (regional, state and European) the regulation of markets and the recovery of the principle of community preference.” Images | Federicoeth Photography (Flickr) and Uaga In Xataka | We have a hard time differentiating a banana from a banana. And an illegal network was taking advantage of it in Spain

Disney has always been the favorite entertainment of children. Now he is being razed by YouTube

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Although the last financial results of Disney They showed an upward trend from which they may be proud, with a growth of the benefits of 5% and an arrival finally of profitability in the sector of the streamingDisney’s creative crisis is something that has been discussing for months. And an extra detail is added to it, which does not stop strengthening an idea that, despite the numbers, is around the company: Disney are no longer interested. Disney Channel debacle. Disney has been, of a lifetime, the brand par excellence of child entertainment. And although the numbers endorse their financial health, certain signals point to the loss of interest of their most active and desirable audience, children. One of these signs was the Disney Channel closure in many countriesamong them Spain, at the end of last year. The traditional entrance door to Emporio Disney has fallen, since its position among the top 10 chains, with almost 2 million average daily spectators in 2014, to number 80 in 2023, According to Nielsen. Children matter. Who wants children if they have nostalgic adults, we could ask ourselves? Very simple: Children are the very important two -legged engine of the business: parks and merchandising, which together with the cruises are part of a third of the business (the other two are entertainment and sports). And although cinema and streaming contributed in 2024 45% of the benefits to Disney, experiences are a very close 37%. Of course, a wing of the income they cannot give up. Experiences, by the way, that are also adults without children. Adults also matter, but less. Children are also indicative of an aspect of the Disney Fandom to which everyone looks at: the renewal of spectators and consumers. The new blood that makes the continuous flow of spectators and clients stagnate. For example, The recent ‘Thunderbolts‘, apart from having a predominantly male audience, most were adults: 70% of their audience was over 25 years. He nostalgia factor Marvel and ‘Star Wars’ has a side effect: the progressive and inevitable aging of the public. YouTube, the new normality. The key to this loss of interest in Disney by children is how they are moving to more versatile platforms, less rigid, such as YouTube. They prefer to see shorts instead of movies or series, and the numbers are evident: in Nielsen data than Business Insider rescuedchildren from 2 to 11 years old saw three times more videos on YouTube last year than in Disney+. Disney herself seemed to prove this problem in 2022, when she said that more than 60% of Disney+ subscribers were adults without children. The algorithmic content is the most. The world’s most watched programs for children are on YouTube and are optimized algorithmically so that these visits do not stop growing and small spectators stay longer. Key factors such as the duration of visualization, colors, music and narrative structures are learned by the algorithm, which outlines the programs almost in real time. Thus successes work as Cocomelónwith 196 million subscribers, or Kids Diana Showwith 134 million. One of the most recent channels, Vlad and Nikialready takes the lead with 140 million and a very quick growth. Next to them they continue to win classics like Baby Shark. Disney to rescue. To try to solve this issue, Disney has undertaken a series of maneuvers to attract the youngest public, even if it is unable to compete with algorithmic modifications almost in real time. Among those maneuvers is the arrival of ‘Bluey‘A Disney+, one of his most successful licenses and that, According to Nielsenbecame the series of streaming more viewed of 2024. its multimedia incursions in franchises very dear to children, such as ‘Fortnite’ (which welcomed a few weeks ago To a new Skins, mechanical avalanche and battle passes from ‘Star Wars’) also go in that direction. A future oriented to children. In recent months, Disney has been releasing series specifically designed for children based on their successful franchises, such as ‘the adventures of young Jedi’ or ‘Spidey and their superequipo’. It is one of the great needs of the entertainment giant: bring children closer to their own brands, beyond successful licenses such as ‘Bluey’. This depends on survival in a panorama where, despite the kindness and color of the products, the battle is absolutely ruthless. Header | Disney In Xataka | Disney already knows where to build his next great theme park: Abu Dhabi. And he will not cost him a cent

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

Japan has found the number of children per woman to avoid demographic extinction. Two thirds of the planet are very far

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A group of researchers in Japan He started studying What number of children by women could be understood as a key to “avoid extinction”, understanding this, not as prevention before a total apocalypse of our civilization, but as the prevention of statistical extinction of the lineages or family lines over time. They found two things: that the number that was presupposed above was very low, and that a large part of the population is late. Beyond the threshold. For decades, the magic number to keep the human population “stable” It has been 2.1: It was believed that, on average, each woman should have just over two children to ensure The generational replacement and avoid population decline. However, a New study warns that this threshold is outdated and insufficient. According to Japanese researchers, the true level of fertility necessary to guarantee the long -term survival of a human population is not 2.1, but of 2.7 children per woman. The reasons? This adjustment is due to the fact that the traditional calculation does not contemplate the Stochastic variability (that is, randomness) in factors such as individual fertility, mortality, sex proportions at birth and the probability that some people simply never have offspring. By incorporating these real fluctuations into population mathematical models (through Galton-Watson Model), The authors concluded that a higher rate is needed for Avoid progressive extinction of family lineages in generations of the future, especially in societies with low sustained birth. Map of when European fertility rates fell below replacement levels Ignored warning. The finding is especially alarming because currently two thirds of the population World Cup lives in countries with fertility rates below the old 2.1 threshold, and well below the new estimated 2.7. Among the most affected, many highly developed, are South Korea (0.87), Italy (1.29), Japan (1.30), Canada (1.47), Germany (1.53), United Kingdom (1.57), France (1.79) or the United States, with a rate of just 1.6 children per woman. These levels, which have remained low for decades, mean that almost all family lines in these countries are intended, statistically, to extinguish at some point in the future. Plus: The study clarifies that A slight bias Towards female births (that is, a slightly greater proportion of girls than boys) could marginally decrease the risk of extinction, increasing the probability of reproduction in future generations. But even that factor, by itself, would not be enough to compensate for a persistently low fertility rate. Map of countries according to global fertility rate Pronatalists Interestingly, this information reinforces the alarms that have sounded from certain sectors concerned about the future demographic. One of the most visible faces of pronatalism contemporary It’s Elon Muskwho has repeatedly warned that the low birth rates “will end civilization” and whose prolific paternity (at least 11 known children) is presented as a deliberate act in this fear. For pronatalists, raising birth rate is a Existential priority. However, this position is not widely shared by the general population. United Nations Population projections by location (the vertical axis is logarithmic and represents millions of people) Social realism. Fortune told that a Population Connection survey carried out at the beginning of the year showed that most people do not consider low birth rate An urgent problem. Only 15% perceived it as one of the main global challenges, while 45% expressed more concern about excessive population growth, given the fear that children are born in poverty conditions or with exhausted natural resources. More perceptions. Another more recent survey, Made by Yahoo News and Yougov revealed that only 8% of Americans were “very concerned” about the fall in the country’s birth rate, and only 32% expressed any degree of concern about it. In the background, another reality that We have been counting: a majority of those who do not have children, or have few, do not do it for apathy towards the future of humanity, but For practical reasons: The lack of institutional support, the loss of life, the high cost of parenting or the perception that the world is not a conducive place to form large families, they are also key. In addition, it generates an increasingly acute contrast between the demographic predictions of experts and the immediate priorities of the population. So? The warning of Japanese researchers seems clear: without a change of course, demographic extinction will be slow but inevitable in many regions of the world. And although the term “extinction” may sound apocalyptic, what is at stake, according to scientists, is not the sudden disappearance of the human species, but the progressive erosion of family and cultural continuity, in a process where future generations will be more scarce, more isolated and, in many cases, non -existent. From that prism, reproducing is more conditioned than ever to social, economic and environmental factors, and the figure of 2.7 children per woman may seem more a demographic utopia than an attainable objective. It does not seem that we are going to extinguish in the short term, at least not through “fertility”, but The study It puts the focus on the population growth to which many regions point out. Image | Pexels, JOHNSONRED, Korakys In Xataka | We thought we were 8,000 million people throughout the planet. Until some researchers began to make numbers In Xataka | In Japan there is no doubt that they live worse than 30 years ago. Literally, houses are getting smaller and smaller

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