mercoledì 22 luglio 2015
martedì 21 luglio 2015
LA FINE DELLA VALUTA FIAT E DEL MORAL HAZARD
BY ZIO BARBERO
La moneta, la sua quantita', il suo valore, era fino a un bel po' di anni fa legata all'oro (gold standard)
Gli americani decisero di abolire il Gold Standard e di passare a una
moneta la cui quantita' e il cui valore era legata al PIL di una
nazione, alla sua ricchezza.
In questo modo potevano avere a disposizione piu' moneta e ovviamente potevano creare piu' debito.
Con il passar degli anni e l'arrivo di Greenspan l'america in primis e
poi tutto il mondo sono passati a un modello dove la quantita' di
moneta che veniva creata non era piu' sufficiente ...il debito mondiale
continuava a salire, le bolle (internet e materie prime) scoppiando
creavano danni sempre piu' gravi all'economia reale (fino ai subprime e a
Lehman)
La Fed in primis e poi via via le altre economie ...hanno abbandonato
il modello di creazione della moneta legata al PIl o alla ricchezza
reale di un paese ..la creazione della moneta e' stata quindi legata
all'aumento del debito tramite il meccanismo del QE...
Con il QE si e' riusciti ad abbassare i tassi di interesse a livelli
mai viti nel tantativo estremo di far ripartire la crescita economica.
lunedì 20 luglio 2015
venerdì 3 luglio 2015
PayPal no longer works in Greece—and why that matters
Adding to their list of woes, Greeks can no longer use their PayPal accounts.
Limits on how much money Greeks can take out of banks put in place by their debt-stricken government as it negotiates with lenders have effectively crippled the online payment service, which relies on traditional banks and credit cards to transfer money.
According to a PayPal spokesman:
Due to the recent decisions of the Greek authorities on capital controls, funding of PayPal wallet from Greek bank accounts, as well as cross-border transactions, funded by any cards or bank accounts are currently not available. We aim to continue serving our valued customers in Greece in full, as we have for over a decade.
The economic crisis in Greece is obviously not emblematic of the greater global financial system. But the fact that PayPal’s business has ground to a halt there underscores how much it and other financial technology companies are reliant on the traditional institutions they were created to disrupt.
The truth is, there’s an old-fashioned bank at the heart of nearly every financial startup meant to put the old guard out of business.
Take online peer-to-peer lenders Lending Club and Prosper—neither of those companies actually holds loans on their balance sheets. Instead, it’s a Salt Lake City, Utah, bank called WebBank that issues most of those loans.
Likewise, Coinbase, the hot bitcoin wallet startup that lets people buy and store bitcoin, relies on Silicon Valley Bank in Santa Clara, California, to transfer bitcoin into US dollars and other fiat currencies. (Coinbase did opportunistically offer to waive transaction fees for all people buying bitcoin with Euros this week in an attempt to convince people of what they said were the benefits “of using a global currency that is not controlled by any particular country or company.”)
http://qz.com/444188/paypal-no-longer-works-in-greece-and-why-that-matters/
Limits on how much money Greeks can take out of banks put in place by their debt-stricken government as it negotiates with lenders have effectively crippled the online payment service, which relies on traditional banks and credit cards to transfer money.
According to a PayPal spokesman:
Due to the recent decisions of the Greek authorities on capital controls, funding of PayPal wallet from Greek bank accounts, as well as cross-border transactions, funded by any cards or bank accounts are currently not available. We aim to continue serving our valued customers in Greece in full, as we have for over a decade.
The economic crisis in Greece is obviously not emblematic of the greater global financial system. But the fact that PayPal’s business has ground to a halt there underscores how much it and other financial technology companies are reliant on the traditional institutions they were created to disrupt.
The truth is, there’s an old-fashioned bank at the heart of nearly every financial startup meant to put the old guard out of business.
Take online peer-to-peer lenders Lending Club and Prosper—neither of those companies actually holds loans on their balance sheets. Instead, it’s a Salt Lake City, Utah, bank called WebBank that issues most of those loans.
Likewise, Coinbase, the hot bitcoin wallet startup that lets people buy and store bitcoin, relies on Silicon Valley Bank in Santa Clara, California, to transfer bitcoin into US dollars and other fiat currencies. (Coinbase did opportunistically offer to waive transaction fees for all people buying bitcoin with Euros this week in an attempt to convince people of what they said were the benefits “of using a global currency that is not controlled by any particular country or company.”)
So while many of these startups present much-needed competition to the traditional financial system, PayPal’s shutdown in Greece reminds us how difficult it is to disintermediate banks from the flow of money.
Quartz’s full coverage of Greece’s debt crisis can be found here.
http://qz.com/444188/paypal-no-longer-works-in-greece-and-why-that-matters/
Le autorità della Norvegia permetteranno ad un bambino di 7 anni di cambiare sesso senza il consenso dei genitori
Pubblicato da Ennio Bordato su Venerdì, Luglio 3, 2015
La Norvegia ora è diventato il paese con la più bassa soglia di età dove i diritti dei transgender iniziano a ad essere riconosciuti.
Dopo l'entrata in vigore della relativa legge il ministro della sanità della Norvegia ha solennemente dichiarato che si sente orgoglioso dell'innovazione.
«Questa è una sfera molto importante in cui la Norvegia si era allontanata da molti paesi da diversi anni», riporta il The Local.
Ed ecco che ora la Norvegia ha superato il resto dell'Europa. La maggior parte dei paesi europei consentono ai loro cittadini di cambiare il sesso, risultante al momento della nascita, solo al raggiungimento dei 18 anni di età.
Il ministro della sanità ha aggiunto che i bambini di età dai 7 fino ai 16 anni erano obbligati a consultarsi con i loro genitori prima di decidere su un cambiamento di sesso. D'ora in avanti potranno prendere una decisione senza la necessità di un consulto medico o psichiatrico.
Ai bambini però sarà lasciato il diritto di decidere sul cambio di sesso secondo la loro volontà, senza alcun consenso dei genitori.
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