money

Openai’s plan to get more money with GPT-5 has exploded in the face: total back

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Shitting not only affects streaming. We begin to see indications that the chatbots of AI are no longer so beneficial for users, and they are not for a simple reason: they must be monetizing them. It is what OpenAi has just done when launching GPT-5, a model that promised to be easier to use and powerful than ever, but has ended up returning to what worked with GPT-4. The controversial router. When Openai launched GPT-5, he did it with a great novelty: to raise it as a unique model that adapted only to the needs of each user according to the question we asked him. The router detected if that question was more or less complicated and theoretically activated the most appropriate mode of operation in each case, but there was a problem: Always using the cheapest operating mode. Reverse. People-especially those who used chatgpt-quickly criticized both that decision and the option to use ancient models such as GPT-4O. The mutiny had effectbecause: He has recovered the old models he had killed (such as the aforementioned GPT-4O), although only for payment users Has enabled the function of choosing GPT-5 variant to free users It is a spectacular revenue just when Openai had sold us that unique and off -road model (and its router) as something differential. The options are good. Altman himself explained that from now on Chatgpt users can choose between “Auto”, “Fast” and “Thinking” when using GPT-5. “Most users will want to use a car,” he said, “but additional control will be useful for some.” He also remembered that GPT-4O is again available for payment users and clarified that “if at any time we deactivate it, we will warn with a long time.” Less root, more customizable. The OpenAi CEO also talked about another of the problems that were highly criticized in GPT-5: it was too neutral. Too cold and robotic. That could change very soon because as I said, “we are working on an update of the GPT-5 personality that should be perceived warmer than the current but not so annoying (for many users) as GPT-4O.” In Openai they have understood something important: people love to be able to customize everything they use … although many do not. A GPT-5 hypothesis. In Semiianalysis They have a theory Curious that they would explain the way Openai has launched GPT-5. According to them, the model of the model is not the model, but the router. This component was intended to monetize the service much more and convince users to pass the free service to one of the payment subscriptions. Altman already pointed to that approach. In fact, Sam Altman shared first revealing data on Sunday. The percentage of free users who were using the “reasoning” variant of GPT-5 had gone from less than 1% to 7%, while for Chatgpt Plus users that percentage went from 7% to 24%. That can imply that the basic model was not as good as users expected and preferred to make him think, but there is another striking fact. More subscriptions. According to Semiianalysis, the router and that best behavior when the “thinks” model seems to have convinced many more users, and subscriptions, they point out, have multiplied by 3.5. The router may have caused criticism of intensive chatgpt users, but it also seems to be a key element to try to achieve something OpenAi needs like water: convert free users – it has about 700 million – into paid users. Shit. Openai’s tactics, if really this, is not new. To degrade the free service with respect to the payment usually makes more users go to the payment (in addition to the initial criticisms). We have seen it for example in Netflix: when it began to close shared accounts and put internet ads, it was thrown over and the service seemed to have a complicated future. Today Netflix is more reference than ever and the fucking its service has worked perfectly. You may want to copy the idea in Openai. In Xataka | Sam Altman and Elon Musk hate each other publicly, so Altman has attacked where it hurts most: Neuralink

Yes, to earn more money all your life

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Does income education influence? Greater degree is equivalent to a better payroll at the end of the month? Are there differences for example between those who have passed or not? And between a graduate and someone with a master’s degree? They are manida questions and that in recent years have given rise to all kinds of debates, but their answer is very clear, as you have just reminded us The last report on education indicators published a few weeks ago by the Government. Shark: The formation does influence salary (and enough). Clearing unknowns. In Your report State System of Education Indicatorsprepared with data from 2022, the Ministry of Education answers (and updates) some key questions related to training in Spain. Among them an issue that usually leads to debate: Does training really influence income? Does a graduate charge more than a person who only has the ESO? Their data reflect statistical measures, but leave a clear answer: yes. A figure: 18,916 euros. From the entrance, the study recalls that in 2022 the average labor income was in Spain at 18,196 euros. That is the general ‘photo’, the average of the whole country. When we go down to detail and divide people by educational levels, the drawing changes however considerably. “Income increase as the level of training does,” The report indicateswhich recalls that those people who do not even have the first stage of ESO receive a medium job income of 11,180 euros while the most qualified professionals, who have a second university degree, a degree or master’s degree, see how that average rises to 28,468. Is there more data? Yes, there are. Those are the two extremes of The listbut among them there is a wide intermediate scale of grays in which the same pattern is maintained: the higher formation, the higher the remuneration. Those who have finished the first stage of the ESO perceive on a half labor income of 13,860 euros, those who have finished the ESO reach 15,880, those who continue to form but without going through the university are located in 18,069 and those who have a first university degree, as a diploma or grade, enter average 22,509 euros. At the top of the rental scale are people with extra training, such as masters, with 28,468 euros. Education … and something else. The study reflects that there is Other factors that clearly influence labor income, such as experience. The titles matter, but also (and not little) the years of profession. For example, among the less qualified people, who do not have ESO, there is a clear difference between the people who have just started in the labor market and have less than ten years of experience and those veterans who accumulate at least three decades of trade behind them. Among the first the average income is 9,125 euros. For the latter that same indicator is triggered until it is placed at 11,332. The same goes for graduates and graduates with master. Those who have been working for only a few years earn 18,319 euros, data that rises above 31,100 when we talk about the most breginated professionals. “In 2022, according to work experience, workers with 30 or more years of professional career receive, on average, 62.3% more labor income than those who have been working for less than 10 years,” Slide The report of the Ministry of Education. Does something more influence? The answer is affirming again. Sex influences. Clear, also. For example, medium labor income amounted to 2022 to 20,701 in the case of them and 16,871 in them. This difference is maintained regardless of training or experience. If we go to the most qualified and valued segment, that of professionals with a master’s degree or degree that has been working for more than 30 years, we see that men charge 37,850 euros while women receive 31,162. However, that gap is not the same in all cases. “The biggest relative difference is observed in the average income for women with first -stage secondary studies, which is 11,128 euros, compared to 15,531 of men with the same formation, 28.3% lower. At the other end of the scale, women with diploma or university degree have an average income of 20,494 euros for 25,225 euros of men (18.8% less),” he clarifies. Beyond education. The education report is not the only one that reflects these differences in training. The INE It also confirms Very clear differences between the income of the less formed and the most qualified people. According to their data, the average monthly gross salary of people with incomplete primary studies barely went from 1,400 euros in 2022. Among the most formed people, with higher education titles, that same average exceeds 2,600 euros. In A report In which he analyzed the deviations with respect to the average salary based on the formation of the wage, Bankinter also appreciated the same phenomenon: the least qualified were 35.7% below the general average while the most prepared exceeded it in 65.8%. Images | Redd Francisco (UNSPLASH) and Ministry of Education In Xataka | The harsh reality of wages in Spain: the most frequent gross salary in 2023 did not exceed 16,000 euros a year

It is impossible to make money with her

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One of the things they have achieved, in quotes, the LLMS is bring the programming closer to users They don’t know how to program. It is no longer necessary, again, in quotes, to know programming languages to do simple things, but it is enough to give natural language instructions to a model and let it do its magic. This is what we know as Vibe Coding And there are startups dedicated to it, see Windsurf (now owned by Openai) and Anysphere, the matrix of Cursor. The problem is that the accounts do not come out. How does this work. Companies such as Cursor, Windsurf and Replit have become famous for the Vibe Coding. Basically, these offer access to a programming platform that, in the background, is based on the models of large companies of AI. In other words, Anysphere charges the user a subscription for accessing cursor and, in turn, pays Google, Anthropic and Openai for accessing Gemini’s API, Claude and GPT. Money, money, money. The problem that this business model has is that many costs do not depend on startup itself. On the one hand, AI companies are refining their new models to program better, See GPT-5. These models, in addition, are generally more expensive as we will see later, but the Vibe Coders They love them because the results achieved are better. Thus, the startups of Vibe Coding They are in the position of having to offer the best models (and therefore, the most expensive) without raising the price of the subscription and, at the same time, competing against the companies that create these models and that also have their platforms of Vibe Coding. Let’s think, for example, Claude Code (Anthropic) or Codex (OpenAI). In short accounts. When the product depends practically completely on third -party models, a change in the price structure can cause the startup not to face the costs. This is the case of Windsurf, a company Vibe Coding which was sold to OpenAI for 3,000 million dollars and that, according to slide from TechcrunchHe had very negative gross margins. There is an entire industry based on the idea that the prices of the models will go down, but the reality is different, at least for the moment. Prices of the latest Anthropic models | Image: Xataka The models are expensive. Accessing the Google, OpenAI and Anthropic models does not come out cheap. To give some data, and based on the basis that one million tokens are more or less 750,000 words, more than the three books of ‘The Lord of the Rings’: Opus 4.1 (Anthropic) It has a price Input/output of 15 and 75 dollars per million tokens, respectively. It is one of the most expensive models, but the most used to program thanks to its good results. For prompts of up to 200,000 tokens, Gemini 2.5 Pro (Google) It has a price Input/output of 1.25 and 10 dollars per million tokens. GPT-5 (OpenAI) It has a price Input/output of 1.25 and 10 dollars per million tokens. Openai has thrown prices with its new model, since GPT-4.1 cost 3 and 12 dollars per million tokens. If a company bases its business model on a subscription of $ 20 per user, it is quite likely to lose money with each of them. The best proof of this is the recent Pro change prices for cursorwhich since June 16 offers $ 20 per month of use of the large models of the invoices of API rates. Until that time, users could access 500 quick responses from the best models. The background reading is that offering broad access to the best models to program AKA to Opus 4.1 does not go to accounts. The options. The most obvious option is that the startup develops its own models to program, something that is neither easy, or fast. Moreover, these models would have to offer capabilities equal to or higher than those of OpenAI and company, companies with many more resources to iterate and improve rapidly. This would not be viable in many cases, but in the long run it would have a positive impact on costs. In that sense, Anysphere, the company behind cursor, is already working in Fusion, its own model. The second is to entrust to the idea that the price of AI models will go down over time, something that, for the moment, is not happening in general. OpenAi has taken steps forward With the launch of GPT-5whose price, as we saw before, has been reduced considerably. However, the trend is rather the opposite. Gemini 2.5 Pro and Claude 4.1 They are, without a doubt, models more expensive than their predecessors. The only exception, for the moment, is GPT-5 and we cannot do anything other than expect to see how prices evolve. Cover image | THISISENGINEING In Xataka | Customers demand that a human solve their problem. The surprising thing is that if they attend to them humans think they are an AI

Google, Amazon and Microsoft have been burning absurd amounts of money in Ia for years. Finally they begin to see green sprouts

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The AI boom made Big Tech will increase their capital spending to limits that had never been seen. The fear that The bubble will explode Rondaba, investors They started to get nervous and the profitability of AI remains in doubt. The last results are a green outbreak, the first in a long time, although with many buts. The cloud reaches capex. They tell it in The Information. Capital or Capex expenses of the Big Tech in recent years have climbed unstoppable, much faster than their income, but in the results of the last quarter the gap is finally closing, but not because chatbots and other products are being profitable, but thanks to revenue from cloud services. The crazy one is committed to AI is beginning to show a slight green outbreak, even if it is not directly because of AI products. Income from cloud services are approaching capital spending. Source: The Information (click on the image to access X) The four riders. There are two clear winners of the departure, one that already brought the duties done and one that goes free. Let’s see who is who: Microsoft: The clear winner with a Income increase of 25% In the last quarter, mainly thanks to the growth of Microsoft Azure. Google: Record a 20% increase In your income thanks to Google Cloud and advertising. Amazon: falls 7%but it is the only one that was in positive numbers. Amazon Web Services is the largest provider of cloud services and was already profitable, although its growth is beginning to slow down. Goal: Your income grows 22%but they basically come from advertising. Goal does not sell cloud services, so it does not generate income directly. Indirectly, yes: AI has allowed them Improve the efficiency of your advertising business. Burning money. The increase in capex by AI has reached madness figures that had never been seen in other technological booms. By the end of 2024 we talked about investing a real barbarity In data centers: Microsoft 30,000 million, Goal 35,000 million, Google 25,000 million… The dizziness figures, and have not stopped increasing. Amazon said at the beginning of the year that He wanted to spend 100,000 million in data centers for AI and goal is building several data centers whose combined cost could rise to 200,000 million dollars. Skepticism. This excessive spending frenzy soon unleashed a wave of skepticism. AND If AI is another bubble And is it about to explode? Milmillionaire investments are not translating in income. Even Satya Nadella himself, one of the protagonists of this revolution, was skeptical because At the moment no one is making gold with AI. It is not that they are not making gold, it is that nobody is earning money. In their newsletter, Ed Zitron had accounts And the difference between what is expected to spend in 2025 and the return that is giving them the AI is not that it is a reason to doubt, it is directly no sense: Capex planned in 2025 BENEFITS IN IA IN 2025 Microsoft 80,000 million 13,000 million Google 75,000 million 7.7 billion Amazon 105,000 million 5,000 million goal 72,000 million 3,000 million Green outbreak Yes, in singular. The latest results are hopeful, but we are very far from being able to say that AI is a profitable business, especially As far as generative AI is concerned. Good results are thanks to cloud services, chatbots or audio or video generators are not profitable. Subscriptions to these tools are a way to monetize, but The income they generate is child compared to spending. Despite doubts, unbridled expense has not stopped and this green outbreak can be more than enough for investors to continue throwing banknotes to the AI well. Image | Microsoft In Xataka | The AI industry has become a kind of ‘game of thrones’. And that reveals a worrying truth for your future

A millionaire spent a money to paint an exclusive RUF CTR YellowBird. I didn’t expect them to return it by doing the pine

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Who plays with fire can burn, and who transports cars valued at millions of dollars also runs the risk of burning since the slightest carelessness can generate damage valued in thousands of dollars. This is what happened to a passionate owner of a RUF CTR ‘YellowBird’, one of the 80 more rare derivatives of Classic Porsche 911. After investing more than $ 150,000 in maintenance tasks and a total repainting of his painting, the valuable car It ended up rugged When downloading it from the truck that transported it before the stunned look of its owner. An icon of the 80s: the Ruf Ctr ‘YellowBird’ The RUF CTR ‘YellowBird’ is a modified version of the Porsche 911 Carrera 3.2 and developed by the German firm Ruf, specialized in converting the sports firm’s sports car In authentic beasts. Specifically, only 29 units of this RUF CTR ‘YellowBird’ were built, which makes it one of the most coveted cars in classic auctions, and a usual of cars video games. His exclusivity has led him to reach historical figures: in March 2024, one of these units was sold for 6.05 million dollars, As reported Topgear. Despite being based on the chassis of the Porsche 911, the Ruf Ctr It was very different In specifications. Its weight was reduced to 1,170 kg thanks to the use of aluminum in several body panels and carbon fiber defenses. It mounted a six -cylinder boxer engine with double KKK turbocharger, double intercooler and a DME injection system derived from the Porsche 962 competition. All of the above granted 476 hp of power and a maximum torque of 553 Nm, capable of exceeding 342 km/h in official tests, surpassing Ferrari F40 by then. Of “yellow bird” to bright black Be that as it may, the Ruf Ctr ‘YellowBird’ protagonist of this story is one of these 29 unique copies that originally went on the market with a body painted in a striking yellow color, as indicated by its last name ‘YellowBird’. Looking for a more elegant appearance, the owner resident in California sent his unit to the RUF headquarters in Germany so that, in addition to making mechanical adjustments, the car in bright black was repainted. For many collectors, modifying the original color of such an iconic model may seem risky, but in this case, the change added an even greater touch of distinction. As you can imagine, neither the transfer nor the restoration process was at all cheap. In total, the owner disbursed more than $ 150,000, according to details Road & Track. These types of restoration operations are common between collectors of high -value cars, which do not hesitate to send their vehicles even to other continents to ensure that they are in the hands of experts accredited by the manufacturer. A very expensive carelessness The tragedy arrived just when the owner was about to receive his Ruf Ctr back and with his new body color. When downloading it from the truck in the transport gondola, the car tires were not correctly secured, which caused it to slide through the ramp without control. Deportivo fell painfully from an approximate height of 2.4 meters, hitting the ground on the rear bumper, while the front was raised at a 45 degree angle on the truck. Touch the image to go to the original message The images of a six million dollar car making the pine on a transport truck soon became viral on social networks, and accounts like @johnclaywolfeshowThey shared them on Instagram accompanied by messages such as “Guess how many millions this little bird was worth.” In these photos you can see the transport operator inside the car at the time of the accident, observing impotent how a newly restored collection piece suffered damage that has not yet been evaluated at all but that, without a doubt, will mean an important disbursement for the person responsible. In Xataka | A Ferrari F40 of $ 700,000 Image | RM Sotherby’s (Stephan Bauer)

The archbishop of Mérida and Badajoz is asking for money from their parishioners by phone. The only problem is not doing it

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Your phone rings, you pick up the call and turn out to be the archbishop of your community. He tells you as a voice that the Church needs donations for religious and social campaigns and you, confident Feligrés, with all the good intention of the world you make a donation because well, it is the archbishop who asks for it. The problem is that it is a lie. On the other side of the phone is not the archbishop, nor is the donation for social purposes. On the other side there is a scammer using a cloned voice through AI. And this, which could sound for science fiction, is not at all. It is just what happened in Mérida and Badajoz. Context. The Archdiocese of Mérida-Badajoz has issued a statement on its website to notify a scam carried out through telephone calls. As detailed by the entity, the scammers were supplanting the voice of the archbishop of Mérida-Badajoz, Mr. José Rodríguez Carballo, to “deceive people requesting donations for religious and social campaigns.” The Archdiocese has taken advantage of the statement to remember that “at no time the archbishop, or any member of the Diocesan curia, makes requests for economic aid by telephone, or through digital or telematic means.” He has also asked for the collaboration of parishioners to report and help stop the scam. How is this possible? Cloning a voice is, even if it seems, something quite simple and relatively cheap. Simply have audio files with good quality and use a platform like Eleven Labs. For the modest price of five euros, anyone can clone a voice and generate about 30 minutes of audio. It is not the only option Not much less or there is no evidence that this tool has been used, but it is one of the most popular. And yes, you can also generate a conversational agent so that you can respond to the victim in real time with the cloned voice. As for the audio files, a simple search on YouTube of the Name of the Archbishop returns us several clips of Mr. José Rodríguez Carballo speaking. There are long -lasting videos, some relatively recent, so it would be easy to obtain several audio hours with which to train AI. A simple youtube search returns dozens of videos of Monsignor D. José Rodríguez Carballo speaking | Image: Xataka The rest is public. Having this, the rest is to pull inventiveness. It would be enough to access the pastoral cards published by the archbishop to see how he writes and the news of the Archdiocese, to his biography on the Archbishopric website and some recent news, put everything in the cheatlele of Chatgpt, ask for a coherent speech, locute him with the voice stolen cloned and the rest is history. Fight against this? Complicated, at least. It is not the first time. Just a few weeks ago the archbishopric of Seville He had to give his brotherhood alarm. The reason: an attempt to scam at the Andalusian level that used voices of some bishops to ask for money for Bizum. Something similar happened in Jaén In 2024. It is the Evolution of the Timo del CEOscam of which we have spent at least four years. How to prevent? Distrustful. If an unknown telephone number calls us and a voice, however realistic, start asking us for money, personal data or anything that does not fit us or strange, it is best to hang and block the phone number. In the closest field, a good idea can be Implement a family password that we can use to demonstrate that we are, indeed, who claim to be. Cover image | Archdiocese of Mérida-Badajoz In Xataka | A church had been missing 600 years off the coast of Germany. Until some researchers decided to find it

Train liberalization in Spain has been a success for travelers. The problem is that companies are losing a money

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Railway liberalization has reached cruise speed with spectacular results for passengers … but demolving for operators accounts. Why is it important. The train price war is changing the transport map in Spain. Users earn with more low options and prices, but companies are bleeding money in a battle that has also begun to question the sustainability of the current model. In figures: Almost 40 million travelers They used high speed in 2024. That is 77% more than in 2019, before pandemic. Prices They have fallen up to 42% On some routes. Passenger income is 35% below the levels prior to liberalization. The context. Ouigo has become the undisputed EY of low prices. In the first quarter it was the Most economical operator in four of the five liberalized runners: Madrid-Barcelona (18.59 euros). Madrid-Sevilla (29.09 euros). Madrid-Málaga (26.89 euros). Madrid-Aliante (20.80 euros). Only in Madrid-Valencia surpassed him Avlo, and it was for just 25 cents. This aggressive strategy It is giving results. The French subsidiary has managed to capture 36% of the market in Madrid-Aliante, 25% in Madrid-Valencia and 15% in Madrid-Barcelona. Yes, but. Profitability is another issue. The sources do not indicate the concrete losses of each operator in 2024, but The data They indicate that the average income remains far from the levels that Renfe achieved alone. The operators have increased only 6% the average income in Madrid-Barcelona, to the 8 cents per traveler and kilometer, a figure that remains 35% lower than the era of the monopoly. Deepen. Beyond numbers, liberalization is changing mobility habits. The train has won the battle to the plane bluntly: In Madrid-Barcelona, the rail share went from 65%to 81.5%, while other routes exceed 80-90%. And now the financial sustainability of the sector is at stake. If current margins do not allow long -term profitability, something will have to give in: either prices, or some operators will end up withdrawing from the market. In Xataka | Renfe trusted the Avril trains to face the Low Cost of Ouigo and Iro. They do not stop giving problems Outstanding image | Dani guitar

There is a whole neighborhood battle to try not to reach Madrid. “They are selling my health to earn money”

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A protest earlier this week at the Edinburgh roundabout, marks the start of a new phase in the neighborhood battle against The Madrid Grand Prix. The platform Stop F1 Madrid It is mobilized after the beginning of the elimination of trees to clear the area where, in September 2026, the engines of Formula 1 will roar for the first time in the Ifema enclosure. A new F1 showcase. What began as a “future commitment” by Mayor José Luis Martínez-Almeida has become a war of wear between the City Council and the neighbors of neighborhoods such as Canillas, Las Cárcavas, Valdebebas and San Lorenzo. More than 142,000 residents within a radius of four kilometers will be affected by the implementation of the F1 circuit in the city, an event that promises to exceed the law of the 65 decibels as a noise limit. “The event will generate more than 95 decibels that we will suffer directly the neighbors of the neighborhood”, complaint Constantino Blanco, spokesman for the citizen platform. More than noise. In addition to noise pollution, the works foresee The elimination of 729 treesof which 295 will not be able to transplant according to the environmental impact report to which we have been accessible. The cuts in the streets, the modifications of the urban layout and the fact of putting upside down all the mobility of Madrid for a decade are more than enough reasons for the neighbors to consider the arrival of this unsustainable event. “They are selling my health to earn money,” says Stop F1 Madrid representative. The legal trick. To overcome the noise regulations, the City Council Plan suspend temporarily the noise law alleging “exceptionality”. The strategy is based on considering the Grand Prix as an “special public transcendence” event, a legal figure that allows us to exceed the usual limits for “duly justified general interest reasons.” However, the neighbors question if a private event with “at the exorbitant price” really meets these requirements. Battles in court. Two judicial resources They already complicate the path of the circuit. In May, the Superior Court of Justice of Madrid admitted to process the complaint of the environmental platform against the Special Project Plan. Days later, more Madrid managed to study another demand for “serious deficiencies” in the approval process. Ricardo Ayala, a lawyer specialized in noise cases such as Santiago Bernabéu, commented to the environment Eldiario that “it is an absolute aberration and they barely have arguments that support it.” A domino effect. The F1 case is not isolated. Madrid usually becomes a permanent amusement park, from macrofestivals to projects such as The largest noria in the world. Madrid pursues what is happening in cities such as Miami or Baku, where F1 have also used as a global tourist showcase. However, this also leads to a generalized complaint by neighbors who suffer the noise and consequences of this type of event. The most popular case is The Santiago Bernabéuthat since his new work and transformed into the palace of events of all kinds, beyond football, he has caused The complaint of many neighbors that live around the stadium. What comes now. The project advances with A provisional license until 2026fragmenting the process to complicate legal actions. The courts have not yet decreed the precautionary suspension, but the specialized lawyers predict that the judicial consequences could reach when Formula 1 is either a reality. Meanwhile, the neighbors maintain the pressure: “It would not be here if I did not believe that we can get it,” says Blanco. The battle has just begun. Cover image | Madrid City Council In Xataka | When Mercedes manufactured a “F1” street to three million euros each, he forgot something important: that they would not catch fire

Banar him without returning the money

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Cody “Clix” Conrad ranks 16 on the list of Twich streamers with more followersin whose Top 10 we find Spanish characters such as Ibai Llanos, Auronplay, Rubius and Thegrefg. While broadcastingLucaslev (LZL11) called Discord a 15 -year -old who had spent $ 35,000 on donations that month. The thing ended badly for the teenager: Baneado of his channel. “It’s addictive.” While he was interrogated to questions about the reason for such high donations, Lucas said that this year he had earned $ 18,000 investing in shares. When asked why, if he could need money for other things, Lucas said that for him it was like “spreading love”, and that Dopamina released when they said his name, recognizing that “it is addictive” to spend money. He told the streamer “that honestly I just wanted to get your attention to add me in Fortnite, that’s all.” Rich parents, minor consequences. Lucas replied that his parents had a stable financial situation, (rich, in other words) and that he was going to stop spending on Twitch because a few days before Father learned of the expense he had done on the platform and “it was bothered.” As? Using his card, but that was in his father’s name, because he had no age to open it. Despite the father’s advice, Lucas continued donating Clix during the stream. Click the image to access the publication. Hypocrisy. Clix spent the conversation giving good advice to Lucas, as the money should be kept for him and for more important things. At one point, it seemed that I was going to make a reimbursement of money, because he said he did not want to “encourage reimbursements, but”. However, after asking the child to love him with sending more money, he said he was going to send it to him. There ended the call and threw him out of the channel. Of course, without returning the money. After that, he continued playing Fortnite, asking for subscriptions to older people. Why it is important. The problem with donations comes from afar. We had more and more people addicted to donate on Twitch. Jen Herranz “opened the melon” stating that there were real people who had a problem, a kind of modern “ludopathy”, and came to ask people to stop giving him subs On the channel. After the broadcast of a Jordi Évole interview with Ibai, An anonymous mother counted that his son stole his father’s card (with financial problems) and spent 600 euros on subscriptions. Ibai He came to talk about the subjectsaying “Subscribe to a channel only if you can afford it. ‘Do not spend money you need on any Twitch channel. If you are going to steal the card your father or your grandmother to donate, do not do it. Many times we have put in touch with the people who have given us many subscriptions to see if they were aware of what they had donated. If you are a millionaire, it seems good to me. What does Twitch say. In his Guide for parents and educatorsthe company explains that children under 13 They can’t use Twitchand details measures to prevent problems and prevent children from accessing content not suitable for their age range. They also mention “Donations” Common on the platform, but do not stop the problem of children who donate huge amounts of money, such as that of the child that donated $ 11,000 to kai dinnerTy Thousands of subs to Cazeah. At the time, the company did updated its standards regarding betsbut it was not enough to stop the case of a young man who became addicted after seeing streams related Image | Clix (Twitch) and Ilgmyzin in Unspash In Xataka | Extreme heat, high prices and calls for Ibai’s aid: the problems of evening 5 to exhaust tickets

If the question is how much money you can donate to a child without declaring it to the Treasury, the law makes it clear: none

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An increasingly widespread trend among millionaires is the Do not leave inheritance To your children. Bill Gates either Warren Buffett There are good examples of this new trend that seeks to convey the heritage of parents to children in alternative ways. However, it is not necessary to go to fortunes so bulky to meet cases of parents who want to convey part of their heritage to their children when they are still young. Patrimonial donations and movable property. According to him Article 618 of the Civil Code“Donation is an act of liberality by which a person has one thing for free in favor of another, that accepts it.” Thus, as defined by the regulations on the Inheritance and Donations Tax, Donating money, goods or any other form of patrimony to children will be considered as a donation by the Tax Agency. That implies that the donation must meet a series of characteristics and pay similar taxes to those that would be paid in case of inheritance without any limit value. Namely: Plusvalía tax, IRPF and Inheritance Tax and Donations. When donating money seems simpler, but Hacienda Vigila. If, as in most cases, the donation consists of an amount of money not very high, temptation is simply giving it to it. But how much money can you give a child without declaring it as a donation? The law does not establish any type of limit that forces donations to declare, so, technically, it would be donation to even give it a euro. However, such and as indicated From lawyers and inheritances, it is not common for the Treasury to pursue the small deliveries of money or gifts of little value. Nevertheless… Finance can request bank information by detecting certain movements due to the regulations of Prevention of capital laundering and terrorism financingso keep it in mind: Income of more than 3,000 euros in cash to review that its origin is justified profits. Income in 500 euros tickets. They are the most monitored tickets by the Treasury because they are used for criminal activities. Entering a large amount of cash in these tickets will sow many suspicions. Recurring income. The entry of a fixed, periodic amount and from the same origin, indicate some type of commercial transaction and the Treasury will show interest in their nature. The small amounts sent to the same account in a short period of time have the same effect Transfers Entities notify the credits of more than 6,000 euros, and transactions of 10,000 euros or more. Whether they are bank transfers and cash movements. How do they pay children’s money to children? Donations, like inheritances, are taxed by the Donation and Succession Tax. Each autonomous community manages this tax under its criteria, so taxation will depend on the Autonomous Community in which the donor has resided in the last five years. Madrid, Basque Country, Murcia, Castilla-La Mancha, Asturias, Balearic Islands, Canary Islands, Galicia, Extremadura, La Rioja and Navarra are exempt from this tax or bonus it to 99.9% for spouses, parents and children. Andalusia bonuses 99% and other communities apply exemptions of up to 400,000 euros. If the donation exceeds that limit, it must be taxed by it. It is not a donation, but I “preside”. If what is intended with donation is to help financially in a complicated stage, there is an alternative to donation: formalize a loan without interest. This assumption is not subject to taxes or expenses and it is only necessary to formalize a private loan contract and the donor will have to submit the settlement of the property transmissions tax at zero cost. However, in that document the deadlines and the way in which the money will be returned, which can be extended both in time as desired, will be specified, which makes it especially interesting for the donation of large sums of money. What if the donation is not declared? If you choose not to declare the donation and hacienda, it detects that money has been received without justifying its origin, it will be interpreted as an unjustified assets. In that case, such and as indicated the OCU, a Taxation of the IRPF to the marginal type that can reach up to 56% of the donated amount, plus the corresponding sanction. In Xataka | Why Millionaires like Zuckerberg and Gates decide not to leave their children with their children? Image | Unspash (Alexander Gray) *An earlier version of this article was published in July 2024

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