{"id":330,"date":"2009-07-27T08:47:00","date_gmt":"2009-07-27T08:47:00","guid":{"rendered":"https:\/\/clusterfamilyoffice.com\/blog\/?p=330"},"modified":"2009-07-27T08:47:00","modified_gmt":"2009-07-27T08:47:00","slug":"endeudate-con-moderacion-i","status":"publish","type":"post","link":"https:\/\/clusterfamilyoffice.com\/en\/endeudate-con-moderacion-i\/","title":{"rendered":"End\u00e9udate con moderaci\u00f3n (I)."},"content":{"rendered":"
Sigui\u00e9ndo con el sano ejercicio de releer art\u00edculos publicados hace a\u00f1os, hemos encontrado una perla escrita meses antes del estallido de la birbuja de cr\u00e9dito. Cuando todav\u00eda nadie ni siquiera se planteaba la posibilidad de que el sistema de dinero tra\u00eddo del futuro y gastado desmesuradamente en el presente fuese insostenible. En aquel entonces, la primavera de 2007, el m\u00e1s tonto se forraba virtualmente en bolsa o en la especulaci\u00f3n inmobiliaria. \u00bfQu\u00e9 sentido ten\u00eda en aquel entonces la relaci\u00f3n entre riqueza y producci\u00f3n, si todo el mundo inflacionaba los beneficios con dinero prestado y tra\u00eddo del futuro? Tonto el \u00faltimo.<\/p>\n

El tiempo est\u00e1 poniendo las cosas en su sitio y hemos pasado del tonto el \u00faltimo<\/span> al todos tontos, del primero al \u00faltimo<\/span>. Debido a la longitud del art\u00edculo, escrito el 20 de Abril de 2007, lo publicaremos entre hoy y ma\u00f1ana. Os dejo con \u00abA los 30 es demasiado tarde. O \u00abEnd\u00e9udate con moderaci\u00f3n. Es tu responsabilidad\u00bb<\/a>:<\/p>\n

\"\"<\/a>Surely we can almost all agree that during our unpredictable lives we should try to accumulate assets that will allow us to reach the end of our lives with a decent financial stability. Growing old, falling ill and dying are unavoidable stages in our lives. Although, if we think about it, we can avoid old age if we die young, and even illness if we die accidentally. But in view of this, I prefer to cling to the hope of growing old and getting sick before I die.<\/p>\n

<\/div>\n

All this in a scenario of financial comfort is more bearable. Especially because of the way you will be treated by those around you if they are waiting for a more or less substantial inheritance. We all have close cases of people who have come to their decline depending on the charity of others, be they family, friends or the State itself. Although I could not say which of these is less reliable, I would venture to establish Friends as the most stable plank to hold on to if one has maintained an honest and noble life trajectory, which is rare.<\/p>\n

Most realise this need for financial foresight when it is too late. They rely solely on their ability to produce an income. via<\/span> The banks kindly see to it that an individual can greedily consume goods far in excess of his or her productive capacity. The banks kindly see to it that an individual can greedily consume goods far in excess of his or her productive capacity. Even beyond what could<\/span> The state would be able to produce healthy working people until the age of 65 and then be supported by the state. Even in these ideal circumstances, it would never be able to generate as much as the banks can. are<\/span> The limit of indebtedness should be set by ourselves, not by the companies that live by mortgaging all our time and productivity two times over. The limit of indebtedness should be set by ourselves, not by the companies that live by mortgaging all our time and productivity multiplied by 2. And even so, moderate indebtedness should only be assumed as a depreciable investment and not for the purchase of leisure consumables. You will find some amusing situations in the novel \u00abEl vendedor de tiempo\u00bb by F. Tr\u00edas De Bes (http:\/\/www.empresaactiva.com<\/a>), which refer to the aberration of mortgaging one's entire life time for an asset, even if it is one's own home.<\/p>\n

It is true that most people never manage to break out of the vicious circle of living at the same rate at which they are able to progress. This condemns them to depend on the income generated by their work throughout their productive lives, and only live off the state in old age, something that is increasingly evident that is not going to happen. succeed them<\/span> to our generation of 40-somethings and, of course, to future generations. It doesn't matter if we are talking about an office worker with a salary of 25.000 eur<\/span>\/a\u00f1o o de un profesional de alto nivel que gane m\u00e1s de 100.000 eur<\/span>\/a\u00f1o. Si viven la vida al l\u00edmite de sus posibilidades y no Prevent<\/span> an accumulation of productive assets over the years, they will always depend on their jobs. And unforeseen events such as work-related problems, marital problems, illnesses, etc., are always will sink<\/span>n<\/span> en miserias de las que no todos tendr\u00e1n la capacidad de rehacerse. Robert<\/span> Kiyosaki<\/span> christened this phenomenon of a \u00abrat race\u00bb from which it is not easy to get out of, in his popular book \u00abRich Dad, Poor Dad\u00bb. You can find out more about Kiyosaki<\/span> at http:\/\/richdadclub.es<\/a> Pero no s\u00f3lo es importante salir de esta carrera de ratas but<\/span> que lo verdaderamente vital para alcanzar el \u00e9xito is<\/span> hacerlo cuanto antes! Por eso titulo esta entrada diciendo que a los 30 es tarde: (continuar\u00e1 ma\u00f1ana)<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Sigui\u00e9ndo con el sano ejercicio de releer art\u00edculos publicados hace a\u00f1os, hemos encontrado una perla escrita meses antes del estallido de la birbuja de cr\u00e9dito. Cuando todav\u00eda nadie ni siquiera se planteaba la posibilidad de que el sistema de dinero tra\u00eddo del futuro y gastado desmesuradamente en el presente fuese insostenible. En aquel entonces, la […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-330","post","type-post","status-publish","format-standard","hentry","category-sin-categorizar"],"_links":{"self":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts\/330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/comments?post=330"}],"version-history":[{"count":0,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts\/330\/revisions"}],"wp:attachment":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/media?parent=330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/categories?post=330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/tags?post=330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}