magnificent

This website is a magnificent calculator to calculate and compare with other countries

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Talking about taxes in certain scenarios is a recipe for disaster. All the ingredients are present: ignorance about basic concepts in economics and how they work, a misunderstood selfishness and confusion between whether what we dislike is how they are managed or their mere existence. One of the most controversial is the Personal Income Tax or Income Tax. How much IPRF do we pay? Is it a lot or a little? Well it depends. In general, we don’t even like money being “taken” from us and in Spain it is quite common to hear that they “take” too much from us. Keep in mind that most states have some personal income tax similar to personal income tax (there are exceptions such as Monaco either Kuwait which they don’t have), so neighbors like Germany or France do have it and leaving the EU, in the United States they have their equivalent in the Income Tax). From here two questions arise: what part of my income goes to personal income tax and whether I would pay more or less if I lived somewhere else. Without intending to replace an economics class (or reading in depth the ministry website) and yes like brief notes on personal income taxIt is important to be clear that this tax is progressive in sections, that is, you do not pay the same percentage for all your money. This is one of the most common mistakes when we hear that someone with a high salary (for the average in Spain) pays 47%: no, the Treasury does not take almost half. That first tranche up to 12,450 euros has a withholding of 19%, from there up to 20,199 euros it is 24% and so on. On the other hand, personal income tax is also divided into sections: state and regional. Depending on which autonomous community you live in, you will pay more or less. Finally, there is a personal and family minimum for which personal income tax is not paid as it is considered to be used to cover basic needs. Defaultit is 5,550 euros per year for a single person. Personal income tax calculators There are a few on the internet and in fact, even the Treasury has its own to make sure we are with the official. Now, if we look for an intuitive alternative that allows us to compare, this website by Benjamin Akar It is an excellent option even if it is in English. An easy personal income tax calculator and comparator to estimate what you pay After choosing a country from the list and verifying that the currency is the Euro, we only have to add annual gross salary. In the advanced options you can also add other deductions such as pension plans or union dues. We see it better with an example: 25,000 euros per year in Madrid and Navarra, two very particular autonomous communities: the state capital has deflated the sections and has one of the lowest minimums in Spain. Navarra, for its part, has its own Treasury, regional regime and personal income tax law. Thus, the sections are modified and there are differences in deductions and calculations such as the structure of the savings base. For the simulation we will assume that we are single people without children. From the previous calculation it is deduced that Madrid is the best option to maximize your salary. But not everything is money in the pocket: Navarra compensates with its own management of services that sometimes entails indirect benefits in the form of personal or family deductions either more budget per inhabitant in health. Now we try changing to Germany and its capital, Berlin, to see what the personal income tax calculation looks like. Deductions from work are very low because Germany has a very high exempt minimum because you do not pay taxes, but then social contributions arrive in the form of social security, pension, unemployment taxes, among others. The EU forms a mosaic where each state has its own tax recipe, although they all share to a greater or lesser extent the objective of financing the welfare state. However, the big difference is not only how much we pay, but how it is paid. So We essentially distinguish three routes: There are states like Germany, France or Spain, with a standard progressive model where you pay based on what you earn; Others, such as Bulgaria or Romania, apply flat systems with low single rates regardless of income. Finally there is the “Nordic” model of places like Denmark or Sweden, with very high maximum rates to finance extensive public services and social benefits. He Spanish state is located in a medium-high zone of the EU. The Eurozone average in maximum rates is around 40% compared to 45% in Spain (considering the combination of state and regional average), reaching 50% or more in regions such as the Valencian Community or Cataloniawhich only affects very high incomes. In Xataka | 64% of Spaniards believe that they pay more in taxes than they receive from the State. It’s actually the other way around In Xataka | Income Tax Calendar 2025: dates and when the 2026 Income Tax return is made Cover | Jakub Zerdzicki

the magnificent seven are now the unleashed seven

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They are popularly known as “the magnificent 7” because their capitalizations have increased in recent years that already equal or exceed the GDP of a few countries, although despite the fact that the name takes into account companies from the last decades, They have existed since at least the 18th century.. Although its power is undoubted, there is no corporation that is eternal or immune to “earthquakes” like the advent of DeepSeek or a year as crazy as 2025, spiced by the rise of Donald Trump and his questionable decisions. Or yes. The Magnificent Seven Goes Cruising Speed. Because on December 23, 2025, the shares of the powerful septet recorded an average annual return of 27.5%, well above of the S&P 500 index. Of course, the future of each of them had a different fate last year with one clear winner, another strong follower and the rest, who have held up quite well. 2025 was the year of Alphabet. Google began the year with several open fronts that promised to ruin it by 2025, but the Menlo Park company not only emerged victorious but It is the strongest big tech of the moment. Well, in 2025 Google’s matrix has skyrocketed, standing out from the rest. The keys? In addition to winning several trials, Gemini and its integration and the optimism around chips. In 2015 Google began to develop its TPU, but in recent months it has announced that it would begin to sell it in large quantities. as Goal or Antropic. Google you is competing with NVIDIA where it hurts the most. In fact, with a rise of 65.8% according to TradingView dataAlphabet is today the most profitable company in the world. NVIDIA has a bitter silver. The second is NVIDIA, the company that has benefited the most from the AI ​​and data craze. Its profitability is 40.9%, outstanding compared to the rest but notably more modest compared to the increases of 171% and 239% in 2024 and 2023, respectively. Doubling its year-on-year income is, objectively and in isolation, very good news. Of course, competition from Alphabet on the one hand and from AMD and Broadcom threaten its days of wine and roses. This graphic from Visual Capitalist shows how Magnificent Seven stocks performed in 2025, according to the aforementioned TradingView data: Performance of the Magnificent Seven shares in 2025. Via: Visual Capitalist After Alphabet and NVIDIA, the list softens, passing through Tesla and its 20.2%, Microsoft and its 15.5% and Meta and its 13.6%. It is worth stopping at the last two because this position constitutes a real warning to sailors. Apple’s (more or less) skinny cows. With 8.8% profitability, Cupertino is not going through its best moment: the company is behind the competition in AI and its vitaminized Siri it seems to never arrive. In 2025 several managers they have abandoned ship. Furthermore, this 2026 has all the ballots to be the one of the goodbye from your CEO. Amazon is no longer so all-powerful. Closing the list is Jeff Bezos’ company, which has registered “only” a 5.8% profitability that falls within a context of slowing growth in its cloud computing business throughout the year. His fall in October caused a widespread internet blackout which doesn’t help either. In Xataka | The highest-paid CEOs in the technology industry, gathered in a simple graph In Xataka | The “Magnificent Seven” believe they dominate the world: this graph shows how 18th century corporations already doubled their value Cover | Visual Capitalist

The world of technology is no longer “the seven magnificent.” Now that scepter has “the Trinity of AI”

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The world of cinema has some fixation with number seven. It is demonstrated by the mythical ‘The Seven Samurais‘(1954, Akira Kurosawa) which would then be adapted to the genus Western with’The magnificent seven‘(1960, John Sturges). The idea ended up moving to the business world and for a few years there has been talk of “The magnificent seven“In reference at seven most important technology companies in the world. Well, that number is no longer so relevant. It seems that we will have to change it for a three. The four billion club. Last week Microsoft became the second company in the world to achieve a stock market capitalization of Four billion dollars. Just two weeks before Nvidia had been advanced. Both have climbed into the AI car and benefit widely from it, but there is a third leading protagonist that is still far from that milestone but that goes like a rocket. The 10 companies with the greatest stock market capitalization today. Goal is far from the four billion, but its recent growth is spectacular. Source: CompaniesMarketcap.com Goal. The recent ones Financial results presented by goal served to make the company redouble their commitment to this segmetno. Those responsible spoke of a much larger capex than expected that will rise to 66,000-72,000 million dollars. That, added to all movements they are doing to sign talent and creating a new superintelligence team have caused remarkable optimism among investors. Meta actions rose more than 10% after these ads, although in recent days their value – like that of their competitors – has reduced significantly. We have gone from “the magnificent seven” … In recent years that list with the most important companies in the world (by stock market capitalization) was dominated by large technological ones. Among the first 10-15 positions were always those “seven magnificent”, namely: Alphabet, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla. All of them remain very relevant, but the rise of AI has changed the panorama. … to “the trinity of the AI”. Dec Mullarkey, manager at the Capital firm SLC Management, He spoke How “the Magnificent seven have compressed (and became) in the Trinity of AI.” The expectation that these companies do not stop generating remains extraordinary, and that has made investments and interest in these companies absolutely triggered. Overvalued? The Ratio P/E (also known as Per, Price to Earnings Ratio) is a metric that evaluates whether an action is expensive or cheap in relation to the benefits of the company. A high P/E means that investors expect a high growth of benefits, and a low one may indicate that the action is undervalued. According to this metric, Tesla is very, very overvaluedwhile Google is relatively undervalued with respect to its competitors. The companies of “The Trinity of AI” are somewhat overvalued. Graph: Xataka. Data: Companymarketcap.com Google’s mysterious case. It is strange that in that “trinity of AI” is a goal but not Google, which at least in practice is much stronger: His family of Gemini models is more capable than those who have a goal, for example, but for now, investors do not seem completely convinced of their ability to lead that segment. The situation of Amazon and Apple It is very different: both have made their respective bets, but they are still very relegated in that AI race. Image | Chatgpt In Xataka | All against Nvidia: the strongest Chinese companies in Chips and IA have created a historical alliance

After the emergence of Deepseek, the “seven magnificent” of the Tech industry have collapsed in the stock market. All except Apple

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The year began well for Nvidia. On January 29, 2025 its capitalization I reached The 3.49 billion dollars and everything seemed to go on wheels. The Surprise arrival of Deepseek R1 It changed things a lot and joined other factors to cause spectacular collapse. Two months later, this Nvidia market capitalization is 2.77 billion dollars: it is almost 21% less. That effect has been contagious, but one of the greats is falling the storm. Apple. As they point out In five daysthat January 25, 2025 Apple had a capitalization of 3.55 billion dollars, and at this time that value is 3.35 billion, 5.6% fall. Sensitive, of course, but much less than that of its rivals of the group of “The Magnificent Seven”. That they have stayed in … Not so magnificent. Next to the fall of Nvidia are those of Microsoft, Alphabet, Amazon, Meta and Tesla – as we say, is saved a little. If we analyze the evolution of market capitalization of the seven the performance of these two last months, the “average” drop is 13.5%. They have lost more than two billion dollars compared to 15.58 billion dollars in late January, a real collapse. It’s not just care. The impact of Deepseek has not been the only factor that has contributed to those falls. They have had a lot to do The recent tariffs That is imposing Trump to imports of all kinds of products – foreign cars They are the last victims-. These taxes and Trump’s protectionist policy are forcing many companies to restructure their strategy, and investors – and consumers – are clear what the impact of all this will be: price increases everywhere. Why does Apple endure? Of the great technology, Apple is the only one that has managed to mitigate the losses relatively. Probably partly because of his “warm” attitude to AI. Your interest in data centers fever It is practically nulland despite the Recent criticism It is clear that it is not “burning money” as other companies in the sector do. The rest of the group has invested true fortunes In this segment, although some They are stopping. Bubble in sight? These days are 25 years of the bubble of the Puntocom, and what is happening with the great technology and the AI ​​segment does fear for an AI bubble. There are certainly similarities between both situations, but also important differences. Apple, especially solid. Cupertino’s company is usually More immune that their rivals to these fluctuations in the world of finance. In the face of complaints about the relative lack of innovation or New disruptionsApple has managed to diversify income – especially with the expansion of its services – and continues to maintain confidence of both investors and users. Image | Zhang Kaiyv In Xataka | Deepseek R1 is not just another AI model: it is the greatest existential threat that Silicon Valley has faced

The bags in the US have collapsed. “The Magnificent Seven” of technology and crypts are the most affected

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Wall Street is having a 2025 especially black. In the last two years, the S&P 500 index, which brings together 500 of the most important companies in the US, has suffered a 7.39% drop in a month and is at levels of six months ago, just before the US presidential elections. The debacle has been especially notable for large technological ones, and cryptocurrencies have also suffered a remarkable collapse. What is happening? A drop of 5.5 billion dollars. According to The Kobeissi Letterin the last two months both the S&P 500 index and the cryptodivsis segment have seen how 5.5 billion dollars have evaporated. Most of these losses have occurred in the last month, and For example The Nasdaq is just 8% of falling to entering a bearish market for the first time since 2022 “. Investors don’t feel like risk. These experts speak of a sudden change in the “appetite for risk” and we have gone from “extreme greed” to “extreme fear”, which has made many investors rescue their positions to collect benefits. Risks to the US economy in 2025. The investment firm Apollo Global Management He pointed out in December that foresee a 0% probabilities of recession in the US in 2025, but that there was also 90% chance of tariffs starting (as it has been). To this is joined by the fact that cryptocurrencies, which had generated great expectation in 2024, now seem to be generating concernfor example after Trump’s announcement to create a strategic cryptor. Tariffs and fear of recession, probable causes. These forecasts are of course potential arguments to explain these great falls. The Aggressive tariff policy by Donald Trump and the fear of a recession – which the president himself He did not rule out– They are there, and have affected both the stock market values ​​and cryptocurrencies, which have been especially impacted. The “seven magnificent” in free fall. Apple (5%), Microsoft (2%), Alphabet (4%), Amazon (2%), Nvidia, Meta (4%) and Tesla (15%) have experienced significant falls. According to CNBC They lost 750,000 million dollars on Monday: it was the worst day of Nasdaq since 2022. These shares are 14% below their (recent) maximum values. And the crypts, even worse. In the last month Bitcoin has lost more than 15% of its value and It has passed of $ 97,000 levels to the current 81,000. Ethereum is having even worse: It has fallen almost 28 % in the same period. Other crypts such as XRP, Sun or Doge have recorded milder falls between 3% and 6%, but one thing is clear: the crypto segment continues to spread what happens in the technological one. In Europe (for the moment) the bags are not so affected. That volatility of the US Stock Exchange has impacted European stock markets, but for now it has not done so remarkably. The France of France and the FTSE of London fell about 0.9% and the Dax of Germany 1.75%. Meanwhile, in Spain Ibex 35 fell 1.41%, but the next few days and weeks will undoubtedly decisive for the march of markets. Image | Maxim Hopman In Xataka | The United States has decided to start a tariff war. Videogames in physical format will pay Caro

You have a few days to see this magnificent science fiction film by the director of ‘Ex Machina’ that will disappear from Netflix

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They were the early days of Netflix’s mass implantation, when it was still far from being the aesthetic and thematic roller in which it has ended up becoming. The platform premiered in 2018 ‘Annihilation‘, a film that had gone through a nightmare struggles to see the light due to its daring proposal, which made cinemas only in a few countries. Finally, Netflix acquired rights and premiered it as their own world. Now, after being one of the exclusive jewels of its catalog, the platform announces that it will withdraw it on March 11. Behind her is Alex Garland, an essential name for modern science fiction who has signed as a scriptwriter or director as daring and personal as’Ex machina‘,’Men‘, ‘Devs‘,’Civil War‘or the script of’ dredd ‘or ’28 days later’. However, with ‘annihilation’ the project was choked: it was the adaptation of the start of the trilogy of books ‘Southern Reach’ by Jeff Vandermeer, an unclassifiable science fiction work very complicated to translate into a conventional narrative argument. ‘Aniquilación’ starts when the husband of a biologist returns from a secret mission in an area cordoned off by the army, zone X, and of which nothing is known. To find out what has happened, he joins a group of five scientific women to discover which intentions has the alien force that controls it. Others have entered the area before her, but no one has ever returned. Zone X is the great finding of this film that, even needing more footage to explain its final stretch, and simplifying too much the fascinating proposal of the book, Throw a series of suggestive images of the fauna and flora of the place that are among the great recent findings of the genre. Excellently interpreted and with a rambling production design, it should be reviewed before Netflix disappears, because who knows how and when we will enter the X zone again. Header | Netflix In Xataka | Within Alex Garland’s mind, the renovator of modern science fiction thanks to works such as ‘Devs’ or ‘Ex-Machina’

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