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An inheritance can make you a millionaire. Or you can empty your account before opening the will

August 4, 2025 by usatoday24

Many millionaires, among which are Bill Gates or Warren Buffettthey have already raised their children that, at their death, They will not inherit their enormous fortune. In those cases, even inherit 1% I would already imply becoming a millionaire. However, the reality of the rest of the mortals It is very different And, in some cases, receiving an inheritance not only is not a guarantee of patrimonial enrichment, but even what is inherited Be important debts which can put the heritage of the heir at risk. What to do in those cases? Real case: a debt of 128,000 euros. In a recent case publishedby Work newsa daughter received a claim from Caixabank after the death of her father, who had left a debt of 128,000 euros with the bank. The banking entity intended that Your daughter assumed the debtbut justice clarified that this would only be possible if she previously accepted the inheritance. Something that the defendant had not done. While the heir does not make an official acceptance of the inheritance, what is called Reading inheritancein which both inheritance and debt do not have a defined holder until the resignation of the inheritance or its acceptance occurs. Obligations of creditors and debt verification. The creditors, as in the case of Caixabank, can try to claim debts to the possible heirs after the death of the holder. However, they cannot demand payment if the inheritance has not yet been formally accepted by any relative. To know if an inheritance includes debts, it is advisable to request information in property records, cadastre offices, banks and consult testamentary documentation. How hereditary debts are managed. According to him Article 661 of the Civil Codethe heirs assume both the assets and the debts and loads of the inheritance, so they have the right to know both the goods they will receive and the debts if they exist before accepting it. It is not possible to accept inheritance and reject debts. The Civil Code provides for three alternatives to an inheritance: pure and simple acceptance, acceptance for the benefit of inventory and resignation. The easiest to understand in concept are the resignation, in which the whole of the legacy is renounced, formed by both their assets and their debts, and the inheritance (and their creditors) remain without a person against whom to claim the collection. On the other hand, pure and simple acceptance implies Complete acceptance of inheritancewith the debts and loads they bring linked. This acceptance implies that the heir becomes the new debtor and must pay off the outstanding debts with the creditors of the deceased, as well as the corresponding taxes. The third way: acceptance for the benefit of inventory. There is a third way in which, the debt settlement is carried out on the goods that form the inheritance, so that the debts are first settled and the heir receives the excess after paying off. This figure is especially indicated in case of a high debt because, unlike pure and simple acceptance, in this case the heir does not respond with his own personal heritage, but with the legacy. While with pure and simple acceptance, creditors could begin to claim the amounts due asking for the seizure of personal heritage that the heir already had. That debt that you speak to me. Heir status does not force to accept inheritance and its debts, guarantees or linked loads. If the amount of charges is superior to the goods, it is enough that none of the heirs accept the inheritance and both the legacy and the debt will pass to the State. Although there is a legal figure known as tacit resignation, in which a mood of not accepting inheritance is guessed, it is recommended to record it through a notarial act. With that act, the heir is exempted who has resigned from any claim of debt or derived fiscal charges. That is, as if inheritance, their debts or their tax obligations would never have existed for those who renounce it. According to data of the General Council of Notaries, in 2024 there were 54,866 resignations to inheritances, a good part of them because you are linking with Inasumable debts by heirs. Once accepted, it can be distributed. The legacy is linked in the same proportion of goods and loads, so, in case several heirs accept the inheritance and its charges, they will do so in the same proportions of goods and debts, which will be distributed equally between them or in the proportion they agree on in the deed of inheritance. That means that, for example, there are three heirs, each will assume 33.3% of the inheritance and their debts. If one of them did not pay their part to the creditors, they could not ask for responsibilities to the rest of the heirs, since that debt would not correspond to them. On the other hand, the Article 1082 of the Civil Code It establishes that creditors can also demand the liquidation of their debt before making that partition between heirs, so that the total amount of the debt is satisfied and the rest is distributed equally among the heirs. In Xataka | The “great wealth transfer” is not only a rich thing: the demographic change will concentrate the wealth among the youngest Image | Unspash (Towfiqui Barbhuiya)

A new future for Openai is opening. And Microsoft is increasingly out of it

June 18, 2025 by usatoday24

Things are not going well between Microsoft and OpenAi. What in 2019 began as a promising idyll Waters six years later, and both companies have been looking for their own way. The break is not definitive, but that process begins to be delicate and is making them begin to get the dirty rags of the relationship. Growing tension. In The Wall Street Journal They point how “tensions are reaching a boiling point.” One of the factors that contributes to the current situation is Openai’s intention to become a profit company. The current existing agreement that defines Microsoft’s participation in OpenAI is a reason for dispute. Microsoft wants more. The central debate is what participation Microsoft will have if Openai becomes a profit company. According to the WSJ, Microsoft is asking for a greater participation than Openai is willing to give it. If OpenAi does not complete your conversion before the end of the year, It takes a risk to lose 20,000 million dollars. Dangerous accusations. According to sources close to these companies, Openai managers They have accused Microsoft of anticompetitive behavior during his business alliance. Thus, while in Openai they claim that Microsoft did not offer all the computing capacity he could, In Microsoft they protested Because Openai did not give access to their most advanced models quick enough. New girlfriend. Openai soon began to look alternatives and new brides. He found one that has in fact promised much more than Microsoft gave Openai. It’s about softbankwhich will theoretically invest 40,000 million dollars in Sam Altman’s company and will contribute to Gigantic Stargate Project. On the one hand they say one thing … In a joint statement cited in WSJ, those responsible for Microsoft and Openai pointed out that “we have a long -term productive alliance that has offered incredible AI tools for all. Negotiations continue their course and we are optimistic when continuing to create things together in the future.” … but on the other they do another. OpenAI intends to close the acquisition of Windsurf for 3,000 million dollars. However, the agreement with OpenAI indicates that Microsoft has access to all the intellectual property of Openai. And the problem is that the latter does not want Microsoft to have access to Windsurf’s intellectual property. They already have Github Copilot, and it seems that in Openai they are not willing to make Microsoft take advantage of that acquisition to improve their own platform. And meanwhile, they compete more and more. Microsoft has access to OpenAi models, but also Ear money Every time someone uses chatgpt. Sam Altman’s company continues to benefit from the gigantic infrastructure of Azure and his computing capacity. And yet, both have been taking steps to “decouple”. Microsoft continues to work In its own AI models —Phi 4 continues to progress – for example, and OpenAi is still looking for new partners And he is drilling Even with Google to also be able to take advantage of its cloud infrastructure. In Xataka | The Microsoft Agreement with OpenAI was just a first step. What they want (probably) is to get rid of them

Online trade was supposed to retire supermarkets. The reality is that in Spain they do not stop opening

May 26, 2025 by usatoday24

Despite all its uncertainties and The unknowns sown by the tariff war, 2025 promises to be a good year for the supermarket sector. At least if we trust Growth forecasts and shared figures A few days ago by Asedasthe Spanish Association of Distributors, Self -Services and Supermarkets. According to their estimates, during the first four months of the year 244 stores have opened in Spain, 25% more than during the same period last year. Not just that. The sector expects to say goodbye to 2025 with 850 new establishments. If confirmed, the map of establishments distributed throughout Spain could exceed the 26,000 barrier. A figure: 778. He arrives at the majority of cities and large municipalities in the country to verify the trend, but besieged, the employer of the sector, has put figures: In Spain there are more and more supermarkets. According to their latest annual report, in 2024 they opened 778 new stores that raised the total map of points of sale of the country (self -services, super and hypermarkets) to 25,585. Once the closures are discounted, that leaves a “Net growth” of 352 businesses with respect to those operated in 2023. And how will this year go? Although 2024 closed with a map of the sale map, the inaugurations rhythm was somewhat lower than that of recent years. In 2024, 778 openings were registered, but in 2023 they were 787 and the previous year 889. Asedas, which Agglutina To companies such as Savoramas, Aldi, Covirán, Día, Lidl or Mercadona, hope that this “slight descent” is “passenger”. The reason: So far this year the association has already registered 244 openings, 25% more than during the same months of 2024. Their forecasts pass because the year ends with 850 new premises. Changes in the sector. Beyond its opening data or the size of the National Park, The report Asedas is interesting because it leaves some ideas about the trends that govern in the sector. The most interesting probably is that the supermarket format “strengthens itself as the most successful”, compared to others such as self -service or hypermarket. The association also requires that more than half of the stores (about 50.6%) “They are framed in proximity and coexistence formulas.” Interesting is also the speed with which the market changes. Asedas estimates that since 2021 almost a quarter (23%) of the network has been renewed or renovated. For the collective the key to that “dynamism” connects mainly with associative trade, such as franchises and cooperatives, which in 2024 were behind approximately 60% of the openings. “They have a great impact on the rural world, since a third of these inaugurations occurred in municipalities with less than 10,000 inhabitants,” They emphasize. “Regional leaders”. Another of the keys to the growth of the sector is, In Asedas opinionin the “regional leaders.” In fact, in its report, the focus on 25 companies (audited in total 320 companies) that increased their average commercial area from 2021, which far exceeds the general tendency of the sector, which also grew, but only 4.3%, were audited. It is not the first to point in that direction. In 2024 Kantar He already pointed out in Another sectorial study How the super regional were planting the white brands and large chains. “In a context of market stability, the organized distribution sector has registered a 0.6% growth in volume during 2024, mainly driven by short assortment chains and regional supermarkets,” Kantar collected in February, in February Another report in which he calculates that regional ones have reached a quota of 18% after having grown 0.7 points. The reason: its supply of frescoes, personalized service and expansion to new geographical areas. Pending rural. Asedas slides another interesting idea: despite the urban exodus, their data shows that in Rural the retail Food continues to register more openings than closures. Between 2020 and 2024 he estimates that they have opened their doors 1,117 new stores In municipalities with less than 10,000 inhabitants, which means that almost a quarter (23.6%) of the openings were concentrated in rural environments. The employer also highlights the role of small businesses and family chains with networks of 10 or even less stores, although the truth is that smaller businesses do not always endure the thrust of the chains. Kantar slides That the growth of the “organized distribution sector”, including regional supermarkets, has been achieved in part by the “volume transfer” from the “traditional trade”, which has punctured almost 4%. Their February data They corroborate that operators with the highest market share in value are Mercadona, Carrefour, Lidl, Eroski, Dia, Consum, Alcampo, Aldi and IFA. Among the nine bind a quota that touches 70% of the market. In total Asedas estimates that the sector set has 25,585 active establishments (14,486 supermarkets, 10,589 self -service and 510 hypermarkets) that give direct employment to about 414,100 people. The annual investment in new construction of the Round collective between 1,000 and 1.3 billion of euros. Are all opportunities? No. Despite the opening data or the increase in the benefit (together the main companies added 2,141 million of euros in 2023, with an ascending profitability curve), the sector also faces challenges. The main one: although the business expect to growwill do it in a very competitive scenario. “In a market that barely grows in volume, the challenge is to gain share of other competitors. It requires having a clear and differential value proposal, which attracts and fidelize better to consumers and exploit roads of inorganic growth,” Comment to The avant -garde Enrique Porta, consumer partner and retail of the KPMG audit. Another key is to adapt to new market trends, such as less and less weight relative of the hyper, or adjust the size of the network to the demand. After all, although the sector expects to register hundreds of new openings throughout the year, which could even raise the points of sale above 26,000, Nor is it alien to closures, layoffs and readjustments. Images | Alcampo and Eroski In Xataka | In … Read more

The True Crime are such success that the creators of the least scrupulous have been thrown over the genre, opening a moral debate

May 19, 2025 by usatoday24

He True Crime It is a genre that, Despite its immense popularityis ethically more in question than ever: controversial like The recent book by José Breton They make the public propose the scope and consequences of the documentaries on real events. That now look at a new border, with the creation of content by the based on real events. Or even beyond: completely inventing crimes. The tremendist. “The husband’s secret gay romance with his stepson ends up in a spooky murder” or “the secret romance of a wife with a neighbor’s teenage daughter ends up in a spooky murder” are some of the titles of True Crime Case Files’ videos. It was a channel missing today in which they were related, normally before static images and generated by artificial intelligence, crimes that could go through real. But intentionally, the author concealed the artificial origin not only of the images, but also of the stories, which he generated through Chatgpt. A subgenre. They soon caught the attention, How has 404 averageof journalists from the real locations mentioned in the videos, who were surprised not to have heard of such striking cases. When it was made public that the content was generated by AI, but this was not mentioned anywhere, YouTube canceled this and other channels of its person responsible for breaking the conditions of the platform (among others, “Children’s Security policies, which prohibit the sexualization of minors”). It is still possible to access the content in audio format, however, Through platforms like Spotify. The cartoon is not enough. The head of True Crime Case Files was an AI programmer who had already dedicated himself to generating small parodies of romantic comedies Hallmark type on YouTube o Fill content on social networks such as Facebook. According to 404 Media, he disproportionately exaggerated the details of the cases so that it was evident that it was invented cases but, as with Facebook and Instagram videos obviously generated by thethere are dozens of people who believe them. Other True Crime with Ia. Of course, the case of True Crime Case Files is not isolated, although perhaps it is the only one who has tried to go through real crimes his stories: Cen Stories It has the same visual style, in the images and in the holders, and a disclaimer which warns of the content generated by AI, although the notice appears only in the description, buried between summaries and hashtags, and not within the video itself. In Tiktok they also abound, always specifying its artificial origins, and in innumerable variants. In Detective Challenge The cases are invented, and in Thruecrimeaimedia real facts are mixed with invented. There are channels in Spanish, such as Based cases And others who not only tell crimes, such as my history, but also introduce morbid cases of historical cases, such as Nero’s castrated lover or make popular cases of cinema and television, such as Freddy Krueger’s cases. A catalog of channels, some closer to moral limits than others, but all taking advantage of AI to generate three or four videos a week that accumulate thousands of visits. More garbage. Although all these cases are covered from a legal point of view, they undoubtedly have traits in common with what is known as’Slop‘, Low quality content generated by AI and that floods social networks. The least thing is that it can be distinguished whether it is artificial material or not but how the platforms themselves favor these contents with the algorithm, since The amount interests more than the quality. What is the use of True Crime. To this are added their own limits of True Crimethat since their origin in novels such as ‘in cold blood’ played with the confusion between reality and fantasy. Crime and suspense films have always been inspiring their stories in real cases, which manipulate according to dramatic interests but without accrediting their origins in reality, which perhaps also has moral gray areas that should explore. Often Documentaries are criticized True Crime for exploiting the trauma of the victims and their families and transform your suffering into a showbut the use of AI adds a new layer. Artificial intelligence feeds on documentation of real and fictitious cases, and proposes an indistinguishable amalgam of reality that can become more harmful: sensationalism twists the facts, and the AI does, but in an even more perverse way. Crime ethics. The ethics that are supposed to a media traditional is blurred in these cases, submerged in a misty area where reality and fantasy are confused, but without attending ethical limits, what is worse? A story manufactured but whose characteristics are identical to a real case, or a True Crime that proves its similarities with reality, but that the hurry and lack of means lead to videos that feed the morbidity of the spectators without the need to respond to legal limits? He True Crime It continues to evolve, and not necessarily towards more reassuring areas. Header | Cen Stories In Xataka | The ‘True Crime’ pending black Spain: the cases that television fiction have not yet dared to play

China sanctions are opening the door for Huawei to define the new global standards

May 7, 2025 by usatoday24

For Nvidia losing the Chinese market would be “a huge loss.” We do not say it; Jensen Huang assures itthe general director of this American company. The future of this company in China is objectively uncertain. US sanctions They do not stop hardeningand little by little they are cutting the range of products that Nvidia can deliver to their Chinese customers despite the attempts of the latter To get out of prohibitions. There is a lot of money at stake. During the last fiscal year, which expired on January 26, 2025, China represented approximately 13% of NVIDIA’s total income with a figure of about 17,000 million dollars. In practice, the country led by Xi Jinping is the third best client of this company only behind the US and Taiwan. However, there is only money at stake; On the table there is also the possibility that Huawei manages to define global standards to the detriment of Nvidia technologies. CUDA domain is in danger “We are at a turning point. The United States must decide whether it will continue leading the development and global implementation of artificial intelligence (AI) or if it is going to go back and retreat (…) America cannot lead to slow down. If we go back others will occupy the space. And the global ecosystem of the AI will fragment technologically, economically and ideologically, has declared Jensen Huang before US legislators. For Nvidia it is a problem not being able to sell its GPUs to its Chinese clients, but it is an even greater problem that CUDA (Compute Unified Device Architecture) end up losing your current domain In the AI industry. And this technology has an essential role in the Nvidia business. Most artificial intelligence projects that are currently being developed are implemented on CUDA. Underestimating Huawei’s ability to correct Cann’s deficiencies would be a serious mistake This technology brings together the compiler and development tools used by programmers to develop their software for NVIDIA GPUs, and replace it with another option in the projects that are already underway it is a problem. Huawei, who aspires to an important portion From this market in China, it has Cann (Compute Architecture for Neural Networks), which is its alternative to CUDA, but for the moment the latter dominates the market. Cann has received criticism because, apparently, it is to use it, and also because its performance is unstable, documentation is insufficient and has reliability problems. However, underestimate Huawei’s ability When correcting these shortcomings it would be a serious mistake. In fact, this Chinese company has admitted the existence of these problems And he has confirmed that he is working to solve them. However, not only Huawei threatens Nvidia’s leadership position. Cann is not the only country’s asset governed by Xi Jinping. Moore Threads It is one of the Chinese companies that are dedicated to the production of hardware for which companies aligned with the interests of the US and its allies cannot sell software or advanced equipment. Although it is very young (it was founded in 2020) it has something very important in its favor: its founder is Zhang Jianzhong, former general manager of the Nvidia subsidiary in China, so it is evident that he knows well what he has in hand. Moore Threads has developed several GPU for AI applications that, on paper, rival some of the advanced solutions that have placed in the Nvidia, AMD or Huawei market. However, this company has something else: a software package with which it pursues Finally break the domain of CUDA. He calls it MUSEis compatible with the range of MTT cards and incorporates a compiler, execution libraries, specialized libraries and code purification tools. On paper its most attractive capacity for China is that it allows to reuse the code written in CUDA, transferring it so that it can be executed on the cards for Moore Threads. Image | Nvidia | Huawei More information | Tom’s hardware In Xataka | AI is the best thing that is happening to nuclear fusion. It is already accelerating the construction of Iter

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