children

How to create mathematics exercises for children using artificial intelligence

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Let’s explain How to create mathematics exercises for children wearing artificial intelligence. Thus, if you want to reinforce your knowledge or put some extra tasks or exercises, you will be able to make them easily even if you do not have many knowledge or mathematics or didactics. Let’s start by giving you A series of previous tips With things you should take into account before creating exercises with AI. Then, we will tell you how to do it with a generative AI. Then we will continue with a list of other tools based on AI that you can use, and we will end up explaining how to use two of them. Before starting, some notes Before starting, you should have some things into account. First, you should know that IA may have errors When creating exercises. These algorithms can have what we call hallucinations, and put meaningless things as if they were real. That’s why, It should be reviewed all exercises To check that they are well before giving them to children. When you are going to start these exercises, the first thing you should know is What area or competition you want to work. You have to think if you want varied exercises, or if you want to focus on sums, subtraction, logic, geometry, fractions, or any other specific area. This you will have to specify it when asking to create them. You must be clear about the age strip with which you are going to work. Here, the simplest thing will be to specify the age for which they are aimed at AI, but it is also convenient that you know that you should avoid very technical words or that you must get the exercises to be brief and concrete. Try to give variety to exercises so that they are not always the same. As you create them, try that the structures or operations to be performed are not repeated, and that if you use any type of examples, they are not always the same. In addition to this, If you are going to use the AI to correct The exercises, you should ask that simple explanations to know why something is wrong, or that it is not limited to giving the answers. In addition, you can ask you to give you clues or progressive help. Children’s exercises using generative The easiest and most generic way to create mathematical exercises for children is to use general and generative artificial intelligence chats, such as Chatgpt, COPILOT, Gemini, Deepseek or similar ones. Here, The important part will be the command either Prompt that you give the AI. For example, you can use a prompt like this: “I need you to create 10 sum exercises for 6 -year -old children with fruit drawings as a context. Shows the step -by -step solution.” Using this prompt, the AI will generate a series of exercises using fruit emojis, or the subject you ask. The important part is Specify age of the children for whom the exercise is directed, and explain both the quantity and the type of exercises. If you do not want them to be alone, you can tell you to be varied, but specifying that they are mathematical and the age for which they are directed. Be careful with the subject of solutions. With the prompt that we have used, these will appear under each exercise. However, you can Ask the exercises to be on one sheet and solutions in anotherso that they are separated and the little ones do not be tempted to skip steps. Finally, remember that You can ask the AI to convert the answer into a PDF So you can print everything. You can also ask you to make it a PNG image, specifying the size format, such as in size of an A4 sheet. Use a specialized online tool There are several online tools that They allow you to create exercises with artificial intelligence. Here you have a list with the main ones that you will be able to use, as well as its characteristics: Teachermatic: A virtual classroom by the in which you can create all kinds of school materials. You can choose the level, and what it creates is totally printable and multilingual. In the free account you can generate 5 documents per day. Link: teachermatic.com. Conker AI: A free platform for teachers, with which you can generate questionnaires for AI, including mathematical content. Here, you can specify age, topic or type of questions. The bad news is that it is in English, although you can generate Spanish content. Link: Conker.ai. Curipod: It serves to create educational presentations and activities, being able to use it to generate exercises, games, surveys or mathematical problems with explanations. Link: Curipod.com. Magicschool.Ai: Another portal where you can create all kinds of exercises and evaluations with AI, from spreadsheets to mathematical problems. You can use it in Spanish, but the web is English. Link: App.Magicschool.Ai. Khanemigo: A Khan Academy website, where its GPT -based educational assistant allows you to generate exercises or help a student solve them step by step. It is not available in all countries. Link: khanemigo.ai. Create exercises with Teachermatic This has seemed a great tool to create school materials with AI. It has a giant index with all kinds of filters, but to create mathematical exercises you can Choose the option Worksheetwhich is to create all kinds of exercises. Now, you will go to a previous screen where you can Set the type of exercises you want create. You can specify the subject Ly the activities, as well as specify the age for which they are directed and also give many details about your students and their level to give context. When you specify everything, the AI will generate the worksheet. Will do it in a format that You will be able to print To use it in your class, and at all times you can regenerate it and ask for changes. Create Exercises … Read more

The Telegram CEO believes that it has 100 “children.” And it will distribute its 13,000 million dollars among them

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What does it mean to be someone’s son? If you ask Pavel Durov, the Telegram CEOThe answer is not only limited to the six “officers” children he has with three different women. In fact, it includes more than 100 people around the world. “How is it possible that a man who has never married and prefers to live only has so many children?” Hardov He asked rhetorically in his Telegram channel in 2024. 25 Telegram tricks to make the most The answer is simple: by sperm donation. During the last 15 years, Durav has frequently donated sperm, convinced that it was his “civic responsibility.” However, unlike many, Durov considers that all children conceived through their sperm are theirs, even if they are not present in their lives or know who they are. The latter is important since according to Durav, all their children have the same rights. An inheritance issue. Durov shared his opinion about the family in an interview with LE POINTwhere he comments that his will recently finished. From there comes the importance of how many children does the Telegram chief have, whose estimated fortune is around the € 13,000 million. “I want to emphasize that I do not make distinctions between my children who were conceived naturally and those who were conceived through donations of my sperm,” said Durov. “Everyone is my children and everyone will have the same rights.” A donation. That Durov have more children than a football team It is no surprise. Himself He told it in 2024explaining that it all started 15 years ago when a friend of his asked for a sperm donation. “I was leaving my ass before realizing that my friend said it seriously,” said Durov. The friend and his wife had fertility problems and needed help to form a family. Durov agreed, but the story did not end there. More than 100 children. “They just told me that I have more than 100 biological children,” he said in a post on his telegram channel last summer. “(When I made my first donation) the clinic head told me that there was a shortage of high quality donations and that it was my civic responsibility to donate more sperm anonymously to help other couples.” According to Dorav, his donations over the years have helped more than 100 couples in 12 countries. He added that at least one clinic still has its frozen sperm and available as anonymous donation. Pavel Durov (left) and Jakob Burda in 2016. The children: an obsession of the billionaires. Certainly, Dorav’s dedication to help others have children is not unusual among millionaires. In recent years, people like Elon MuskMarc Andresen or Peter Thiel have dedicated themselves to sounding the alarm on the “risk” of the low birth rate to humanity. The Tesla CEO has classified the low birth rate as the “most important humanity risk of today.” In fact, on a personal level, Musk seems to be committed to the idea to have all the children I can. The billionaire currently has at least 14 children of 4 different womenalthough there is the possibility of having more. Andresen, on the other hand, has declared that the planet suffers from a “Dramatic depopulation.” States that in an ideal future, the Earth will house 50,000 million (there are currently 8.2 billion). And what about poverty? According to Andresen, the markets will be responsible for financing social welfare programs. Although Durov is not as vocal on the subject as Musk and Andresen, it is clear that he takes it seriously. In fact, last year, paid fertility treatmentwhich is around $ 5,000, women who agreed to use their sperm in Russia. Distributing the inheritance. So what happens to that inheritance of € 13,000 million? I’m sorry to tell you that, although your parents suddenly say that Telegram’s CEO did have a role at your birth, you will have to wait a long time before seeing a cent of their money. Specifically, three decades from this year. “I want my children to live as normal people, who are worth them, to learn to trust themselves, that they can create something for themselves,” said Durov. “I don’t want them to depend on a bank account.” How can I know if I am a son of Durav? After all, the tycoon made sperm donations anonymously. Well, don’t worry: Dad Durov has thought of everything. “I plan to put my DNA in Open Source so that my biological children can find themselves more easily,” said Durov in 2024. “Of course there are risks, but I do not regret having been a donor.” Images | Techcrunch | Hubert Burda Media In Xataka | Change WhatsApp and Telegram for a European alternative: how to do it and what you should take into account

There are people growing rare plants at home and reluctant their ‘children’ for hundreds of euros

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In salons with filtered light and shelves that previously kept books a business as green as surprising: that of collection plants. It is not exotic plants without more, we talk about leaves with unique patterns and impossible hybrids; a niche where Some plants are worth more than vision proand where fans with a good eye -and best hand – They are turning their hobby into a business. If you want a rare plant, do not go to the nursery because you will not find it, you better go to Wallapop. However, although the market is full of enthusiasts willing to pay surprising figures for some species, there is still the big question: Can you live from selling plants? We have talked to two of them to tell us more details about this hobby turned into business. Fever to have more plants at home During the pandemic, many launched Bake bread either sport at home. Others, on the other hand, found their passion between pots and cuttings. Interest in exotic plants or the Urban gardens I already came from before, and it makes all the meaning, especially in the cities. Filling the plant house goes beyond decoration, responds to the need to connect with nature. If we add it to the context of confinement, the trend exploded. At the same time there was a boom of ‘plantfluencers’ on Instagram and the snowball has not stopped growing since then. It was precisely Through the book of @Plantitiscrónicaa well -known influencer, with whom I lived (on Instagram @Viviyverde), began in this of plants. Although with a much smaller account, today it has made the leap and cultivate rare specimens (especially Alocasia) that sells through Wallapop. In Sergio’s case (on Instagram @Sergiodendron), his reference was Sidney Plant Guy. Setting in his videos, he learned until his Philodendron and Epipremnum They would give him almost monstrous sizes sheets. To collect to cultivate Collecting plants in floors has a problem: space. Precisely this is what led Sergio to sell some of his plants. In nature, many of these tropical species climb the trees in search of the precious light. The moss tutor seeks to replicate these conditions. “They are plants that become giant immediately, my house was filled,” he tells us between laughs. When a plant becomes very high, it has to Cut it and extend the tutor. And what did he do with the part of the plant he cut? He didn’t fit him at home, so he started selling them. Collecting plants in floors has a problem: space. This was what led Sergio to sell some of them. Sergio’s hall is a real jungle. Once he reached the maximum of tutors he could have, he started with the Anthuriumone of the most fashionable species in this plant collecting. He acknowledges that it is relatively new in the cultivation of this species, but has captivated him: “It is a very diverse genre. The special thing they have is that they are easy to hybridize between different species.” Sergio usually buy his plants in other countries in Europe and creates his own hybrids on his floor in Madrid, many of them sell them In Wallapop. When asking how many plants he has at home he answers with another question: “What do you consider? In total estimated that you have more than 300 plants, 70 larger and the rest are small outbreaks. For Vivi, going from collecting to sell was somewhat more intentional. After a time collecting and creating content on plants, he saw that there was a market and launched a growth store. He currently has two stores in one of the rooms in his house where he cultivates especially Alocasia. It has more than 200 plants on its floor. On the left: one of Vivi’s cultivation stores. On the right, the orders of the week ready to leave. I lived too Sell ​​in Wallapopbut on his Instagram we see that his store is more professional. It has its logo, the packaging is very much curled and it even has merchandising. One of the things you like best is to pack them. It is a very important part if you want to sell plants: you have to get perfect to your destination. “Shipments must be made Monday or Tuesday. If they are sent later, the plant can spend the weekend in a warehouse and arrive in poor condition.” Another aspect to consider is legality. Selling plants within the European Union is legal And it does not require any permission, but if imported from other countries you have to have a phytosanitary certificate. “It’s a mess,” says Sergio. Since last year Wallapop informs the Treasury, So you have to declare income, in addition to being discharged in freelancers. The most sought -after plants What are the most expensive plants? Tropical plants are the ones that most attract these collectors, species such as Philodendron, Anthurium, Alocasia and Monstera They are the most common. But anyone is worth it, It must be a rare species and, if it has a unique, better variegation. In Botany, the variegation is the “state of the plant that shows tissues of different colors or of diverse constitution.” For example, one Albo Variegata Monster It is like the Monstera Normal (the classic ‘Costilla de Adam’), but with white spots. The whiter and pretty the pattern is, the more it will be paid for it. Wallapop is full of rare tropical plants and some are nothing cheap. But not all plants of the same type are worth the same. A Monstera Thai Constellation that can cost us from 60 euros (or more, depending on the size), than a Monstera Thai Constellation Miracle Tricolor that It can exceed 600 euros. The difference? That the second has the pattern in green, white and yellow, a rarity (or miracle, as its name says) that the price increases a lot. Fever by Alocasia and Anthurium It is also booming. Exist 113 species of Alocasia And more than 1,000 … Read more

In 2007 Spain forced men to take longer casualties to take care of their children. Act then fertility fell

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Throughout the last two decades Spain has taken several steps to extend the casualties by paternity among men. Gave one key in 2007another followed that extended its reach In 2017 and Four years ago He advanced again in that same direction to match the permits enjoyed by the women and men who have just had a baby. But … how do these casualties influence birth? Are they harmless? Do they accelerate it? Do they slow down? And if so, what is the reason? Now we have Some keys. Question of Paternity and Birth Low. A few years ago the researchers Farré Lídia and Libertad González They asked themselves an interesting question, especially for governments (more and more) that they are fighting against birth crises and seek greater equality in homes: how do the casualties affect paternity to fertility? Do they influence the probability that a couple has more children in the short term? And if so, in what sense? To respond to these issues, they analyzed the birth data published by the INE between 2005 and 2013 and were set at a specific date: March 2007, which was when it was approved The legislative change which allowed men to take paternity permits of 13 days, expandable to 15 in cases of multiple births. Until then only parents were allowed to absent A couple of days. Since then the regulatory framework It has varied quite considerably, first with a change that expanded the casualties In 2017 And then, four years ago, with another for match the permits of mothers and fathers. Even so, what happened 2007 continues to offer a valuable opportunity to assess the impact of the casualties. And what did they discover? Farré and González captured their conclusions in An academic article Posted in 2019 in Journal of Public Economicsa piece that suggests that the two -week paternity decline released in 2007 had several effects on the Spanish society of the following years. Some expected. Others, not so much. Among the latter the most curious is that these permits delayed the subsequent fertility of couples. That is, the parents who took the decline took longer to have other offspring than those who had no permits. A key horizon: six years. “We show that the introduction of two weeks of paid permission paid in Spain in 2007 led to an increase in the spacing of births, which may have led to a lower number of subsequent births between older couples”, summary Farré and González in Your article. “We discovered that the parents who were entitled to the new paternity permission when they had a child in 2007 took longer to have another compared to those who did not have that right. We also show that the couples with permission were less likely to have another child the six years of age following the application of the reform.” And what are the causes? The million dollar question. In Your articlethe researchers slide some keys. One is the effect that the new paternity casualties have in the distribution of domestic tasks (including parenting) and how that is reflected at work level. As Farré and González explain, despite the fact that women’s opportunities have been improving in recent decades, they “continue to spend more time to unpaid and care work than men.” When that cast is balanced thanks to permits, women can devote more time to paid jobs and boost their careers. And how does that influence fertility? For women it is a greater resignation to have more children. “The greatest participation of parents in children’s care could have improved the labor insertion of mothers, as reflected in their highest employment rates after childbirth, which could have increased the opportunity cost of having an additional child,” Clarifies the study. To this is added that the more parents are involved in lower upbringing are the differences between men and women in the eyes of an entrepreneur. THE OTHER GREAT KEY: PATERNITY. During their study the researchers appreciated another factor: after the 2007 reform the men simply seemed less interested in expanding the family with more children, at least in the short term. “The men reported a lower fertility after the reform, which could be due to the fact that the period of decline aware of the total cost of having children,” collect the study. “Spending more time with your children could have modified their preferences in favor of quality (instead of quantity).” Does it affect insertion? “The men who have benefited from the new paternity decline are less will summarize The UB, to which Farré is linked. The report leaves another interesting idea: although the rate of use of paternity decline was high, it does not seem to have affected men at work level. In what the casualties have influenced is in the involvement of men in child care, increasing the time they dedicate to parenting, and the labor perspectives of women. “Mothers presented higher employment rates six months after childbirth and were prone to request a family leave.” Does inequality influence? Although it is based on data several years ago and focuses on the specific case of Spain, the study is interesting because, their authors remember, the effects they observe on fertility could “generalize” other countries in the south and east of Europe in which women carry much of the responsibilities of the home. In the case of Spain, The report recalls that until 2007 men barely resorted to parental permission and imbalance in the distribution of domestic tasks and the raising of children was very accentuated: at least between 2002 and 2003, they dedicated 4.2 hours a day to home work and child care, more than triple than they, who barely invested 1.3 h. “These characteristics could have contributed to the introduction of the paternity license to be more effective, increasing the child care time of the parents and the linking of women to the workforce, perhaps with the side effect of reducing the desired fertility of men in relation to … Read more

France and Spain wanted to ban social networks to children under 15. The European Union has stopped their feet

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France threatened yesterday with prohibiting access to social networks to those under 15 years If the EU did not rule on a community policy that unified the criterion for all the countries of the Union. Brussels’s response to this demand has been equally overwhelming. Each country is a world. Brussels He ruled out Wednesday The possibility of establishing a minimum community age to access social networks. There was a proposal led by Greece, France and Spain to establish it in 15 years, but those responsible for the European Union have it clear: there will not be a unique criterion, and each country must establish their own. Of community prohibition, nothing. Thomas Regnier, spokesman for technological sovereignty of the Community Executive, He indicated yesterday In the daily press conference that although they took note of the announcement of Emmanuel Macron, “a prohibition of social networks at European level is not something that the commission is promoting. This is prerogative of the Member States.” The tragedy. The Macron statements And his attempt to accelerate the implementation of a community access to social networks It comes from afar. However, that debate was urgently reactivated After the tragedy occurred on Tuesday at a Nogent school, in the Haute-Marne region. There a 14 -year -old student was arrested after killing a 31 -year -old watchman who performed routine backpacks. There is no evidence that this attack occurred for something that the adolescent saw on social networks. The community proposal does not advance. Several European Union countries They have been maintaining a debate on whether a minimum age must be established at the community level to access social networks. The initiative was led by Greece, France and Spain, but Italy, Denmark, Croatia, Slovakia and the Netherlands also supported it. Precisely Spain and Slovakia were the ones that were most shown and proposed to establish that minimum age in 16 years, while France, Greece or Denmark proposed to establish it at 15. That proposal, however, has not advanced. The RGPD as an instrument. He General Data Protection Regulation (RGPD) already has article 8, which is specifically oriented to regulate the access of minors to “information society services”. According to said regulations“Member States may establish by law a lower age for such purposes, provided that this is not less than 13 years.” And the DSA prepares changes. The Digital Services Law is also preparing to establish regulation that affects minors. In fact, guidelines are prepared that theoretically will be published this summer and that will force the platforms – social funds among them – to protect the safety and privacy of minors. Private accounts, age verification. Among the measures that they must adopt is that the accounts of the minors are believed as private by default, in addition to the implementation of age verification measures. AGE VERIFICATION APP. As he points out The European Commission, in parallel to these guidelines, an age verification application is being developed that provides a solution until the European digital identity The EU is ready at the end of 2026. The technical specifications of said app are now available In Github. Image | Markus Spiske In Xataka | The Japanese are ceasing to consume paper pornography. And that has had a direct effect on its streets

France is the most radical country against technology among children. And now it plans something extreme: prohibit social networks

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“We must ban social networks to children under 15 years.” This blunt was the French president, Emmanuel Macron, speaking before the TV cameras. The measure It would be a pioneer In Europe, which studies initiatives in this regard, but there is a problem: France’s regulatory role is having negative consequences For companies and users. What happened. The statements of the Gallic president occurred after the Tuesday tragedy In a French school: a 14 -year -old boy stabbed and killed a member of the teaching staff. As they point out In EuronewsIt is not clear if this attack is associated with something that the teenager had seen on social networks. No knives. Macron intends to prohibit social networks to children under 15 “in the coming months” if there is no progress in a similar regulation at the European level. The tragedy in Nogent’s greate Indian that “a 15 -year -old can no longer buy a knife on the Internet. That means we are going to impose massive financial prohibitions and sanctions.” And either of social networks. But the highlight was that intention to ban social networks, something that even announced in X said intentionIn addition to stating that platforms have the possibility of verifying age to be able to implement this type of control and prohibition. Actually the message is not new: said exactly the same thing more than a year agobut the recent events and European inaction have re -promoted those intentions of Macron. They are already doing it with porn. On June 7, the law that forces pornographic platforms to verify age of users. The objective, prevent minors can access this type of content. But it is not going well. As a consequence of these measures, services such as Pornhub, Redtube and YouPorn have decided to leave the Gallic country and stop serving there. According to those responsible, this regulation is inefficient and potentially violates users’ privacy. Also propose a solution Device dependent and in which Google and Apple would have to make some modifications to their operating systems. The struggle of minors and screens. France was a pioneer in 2018 when prohibited mobile phones in schools for students under 15 years. Other countries They followed the wake, but the country continues to alert the dangers of the screens for the minors. In fact, a process was recently initiated to try prohibit the use of any screen (Mobile, but also TVS or computers) to children under six years. According to French experts In pediatrics or child psychiatry, not doing so exposes them to permanent damage to brain development. Spain, in the line of France. In our country the future law of the minor advocates Prohibit registration on social networks of children under 16 yearsclimbing the current limit two years. There are also measures to limit access to technology according to age, and for example from zero to three years the use of children should be prohibited from children, while from three to six years it is advisable except exceptions and under the supervision of an adult. The Spanish “pajorto”. The Government of Spain also launched a year ago The implementation of the Beta Digital Portfolio, popularly known as “Pajorte”. It is a mobile app that will theoretically serve to perform age verification and thus avoid or mitigate access to pornographic content by minors. Its implementation is limited, although the platforms that are already implementing it have detected A colossal fall of its traffic. Europe begins to move card. As they point out In politicianthe European Union has raised a proposal led by Greece and France and Spain as great support. In it the objective is to establish a new regulation to significantly limit the use of social networks by minors. According to the project, minors could lose direct access to networks Like Tiktok or Instagram and would need parental permission to visit these platforms. Denmark, which will occupy the presidency of the EU in the next six months, is in favor of these measures Image | Anthony Choren | Mary Borozdina In Xataka | There were two paths to regulate technology in children: the government has chosen the one with zero screens

84% of their children go to academies to be even more competitive

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If you travel to South Korea and take a walk through Seoul either Daejeon A detail is likely to get attention: the posters of their Hagwonthe private academies to which children go to learn English and mathematics or achieve maximum qualification in he Suneungthe exam in which access to the best universities in the country are played. In 2020 there were more than 73,000 academies. The figure hides a crucial challenge for Korea, a nation immersed in a alarming demographic decline and in which to educate children has become a private luxury. There are studies that already point to South Korea as the most expensive nation To raise a child. Interestingly (or not) it is also the country with the lower rate of birth. A demographic contradiction. In the rankings on birth and raising South Korea stands out in two fields that do not fit well with each other. With one fertility rate of 0.72 children For a woman, the Asian Republic is in the tail in birth and faces a situation that the authorities already call “National Emergency”without hot cloths. Its poor birth is such a serious problem that affects its economy, society and even national defense. Demographic ironies, South Korea is also one of the nations in which More expensive Go out to raise a child. A little fortune. This was shown last year a study by the Yuwa Institute. According to the information collected by the South Korean newspaper Chosun Iboraising a rod until age 18 implies a cost equivalent to 7,79 times The GDP per capita, which in counting and sound money translates into about 365 million krw. Or 251,562 euros, to change. Secondly, it placed China, with a cost 6.9 times higher than GDP per capita, followed by Germany (3,6) and France (2,2). To partly alleviate that situation and stop the loss of population suffering from the country, over the last 18 years South Korea has invested 280,000 million of dollars and deployed a range of direct aid, incentives and policies that seek to improve the quality of life of families. Seoul authorities even value delivering families a “Super baby check” of 70,000 euros. Education, a luxury? In that bulky invoice education has a relevant weight. Again according to The data Published by the newspaper Chosun Iboin 2022 the South Koreans spent the whopping of almost 18,000 million euros in private centers for their offspring. The figure is equivalent to more than 361 euros per child. A month. The situation is such that a year ago The Korea Times assured That the families of South Korea dedicate more resources to the private and extracurricular classes of their children than to other fundamental expenses, such as food or housing. Very expensive. To be more precise, he cited data from Statistics Korea that show that in homes with more relieved economies a monthly average of 1.14 million wones, $ 869, to private classes for children between 13 and 18 years are dedicated. The amount It is a noticeable pinch of monthly income and is practically equivalent to the sum of what was spent on food (636,000 wones) and accommodation (539,000). And it is not something exclusive to wealthy households. In the most humble spending on private classes exceeded what is dedicated to housing and food. Record record. Despite the amount of resources dedicated to academies and extracurricular activities, South Korean households do not seem willing to cut their expenditure on private education. This is reflected data of the Ministry of Education and Statistics. Their calculations show that in 2022 the total expenditure on private education amounted to about 19.7 billion dollars, 10.8% more than the previous year, when an annual record had already been broken. Far from slowing down, private education spending experienced another considerable rebound last year. After an interannual increase of 4.5%, the most pronounced in recent years, in 2023 stood at around 20,000 million dollars. And that despite the decrease in the number of primary, secondary and high school students caused by the least birth. The reason: the decision of the government of increase The admission quota in medical schools. A keyword: Hagwon. The phenomenon of private education is not understood in South Korea without a fundamental concept, “Hagwon”which is how the “Intensive schools”academies and private classrooms to which students come to reinforce what they learn in schools, learn extra subjects or prepare for the most important exams, especially Suneungor CSAT, the demanding evidence that gives access to the country’s universities. To the Hagwon Even children come in preschool age and from the hand of their teachers they learn English, mathematics, taekwondo, swimming or how to touch the piano. India magazine Frontline He dedicated a wide report Three years ago in which he explained that the concept already dates back to the end of the 19th century and in 2020 more than 73,000 private tutoring centers were distributed in South Korea, half of which also concentrated in the capital. Time Precise that only in Seoul the 24,000 establishments would be exceeded, the triple that convenience stores. Two data for reflection. A good percentage can say more than a thousand words. And as regards private education and South Korea there are two that are eloquent. In 2017 the Korean Institute for Care and Early Childhood Education published A report which revealed that 35.5% of two -year -old children and 83.6% of those of five attended private academies. And under that concept they included both the Hagwons Conventional such as cultural centers, nurseries, childhood gardens or formations taught in their homes, in person or online. The study is already some years, but it is usually calculated that about 80% of the students of South Korea attend Hagwons or “intensive schools”. The survey The Institute of Early Childhood Education showed that the children dedicate a considerable number of hours to their formations: those of two years participated in 2.6 sessions per week, with an average of 47.6 minutes per class; Those of five years received 5.2 … Read more

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

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