Autor Tema: PPCC: Pisitófilos Creditófagos. Primavera 2024 (Leído 700370 veces)

Derby · « **Respuesta #2520 en:** Junio 05, 2024, 19:46:33 pm »

https://www.ft.com/content/5b2770aa-b42d-4fba-8944-30431a365101

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World falling short on renewable energy goal for 2030, IEA warns

UN talks kick off as countries fall behind the curve on targets and global warming heads for 2.7C since pre-industrial times

The world’s clean energy plans still fall almost a third short of what is needed to reach a renewable energy goal for 2030 agreed at UN climate talks last year, the International Energy Agency warned, as delegates from almost 200 countries meet again in Bonn this week.

Haggling over a new climate finance deal, and upgraded national pledges to cut greenhouse gas emissions, will take place over 10 days at the UN talks to lay the groundwork for the COP29 climate summit in Baku in November.

Negotiations will also focus on how to make sure the plans agreed at COP28 in Dubai last year are met, including the aim of tripling global renewable energy generation capacity to at least 11,000 gigawatts by 2030.(...)

Derby · « **Respuesta #2521 en:** Junio 05, 2024, 20:58:59 pm »

Otro que está asustadísimo...

https://www.marketwatch.com/story/barry-sternlicht-says-investors-shouldnt-think-of-starwood-reits-property-fund-as-an-atm-29eb3174

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Barry Sternlicht says investors shouldn’t think of Starwood REIT’s property fund ‘as an ATM’

Barry Sternlicht, chairman and CEO of Starwood Capital Group, on Wednesday defended the decision to cap how much investors can withdraw from his $10 billion property fund. AFP via Getty Images

That’s billionaire Barry Sternlicht, chairman and CEO of Starwood Capital Group STWD, telling investors on Wednesday not to think of his $10 billion Starwood Real Estate Income Trust, and similar investment funds, like ATMs.

“You should have some liquidity, but the risk is everyone gets out at once,” Sternlicht said in an interview on CNBC’s “Squawk Box” program. (...)

https://www.cnbc.com/video/2024/06/05/watch-cnbcs-full-interview-with-starwood-capital-chairman-and-ceo-barry-sternlicht.html

Derby · « **Respuesta #2522 en:** Junio 05, 2024, 21:07:49 pm »

https://es.finance.yahoo.com/news/nonbank-hometown-lenders-files-bankruptcy-182520673.html

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Nonbank Hometown Lenders files for bankruptcy

Hometown Lenders has filed for Chapter 11 bankruptcy protection in Alabama, blaming the Federal Reserve’s policy to curb inflation for its debacle.

In court filings, the Huntsville, Alabama-based company stated that as of April 30, 2023, it owed approximately $107.1 million to taxing authorities, former employees, warehouse lenders, and general unsecured creditors.

Warehouse lender Flagstar Bank, which has a lawsuit filed against Hometown Lenders, has the largest unsecured claim, $20.1 million. It’s followed by another warehouse lender, First Horizon Bank ($3.5 million), investor Freddie Mac ($3.4 million), and the Internal Revenue Service ($942,797).

Hometown Lenders, founded in 2000 by William Taylor, had 1,400 employees in 46 states in 2021. According to mortgage tech platform Modex, it originated $3.3 billion in 2022, compared to $5.5 billion the previous year. Most were conventional (67%) and purchase (75%) loans.

“The Debtor, however, was not immune from the consequences of the Federal Reserve’s policy to curb inflation, which hit the mortgage industry in 2022,” Hometown’s attorneys said in court filings. “As a result of the sharp rise in mortgage rates, the Debtor’s top-line revenues declined by over 70%.”

The lender closed on October 13, 2023, amid a challenging mortgage market. The Modex data shows that it originated about $900 million in loans that year.

According to court filings, higher rates eliminated potential homebuyers from the market. Meanwhile, investors declined to purchase loans from lenders because they expected rates to decline and homeowners to refinance out of their higher-rate mortgages.

Ultimately, Hometown Lenders was required to repurchase the mortgages, pressuring its financials, it stated. When the company shut down, loans were sold to investors, except those remaining with Flagstar Bank and First Horizon.

“The Debtor maintains that these lenders are in possession of funds which rightfully belong to it and are being wrongfully detained by the lenders. The total amount of these funds exceeds $1 million,” the court filings state.

A spokesperson for Flagstar hasn’t immediately responded to HousingWire‘s request for comments, and a representative at First Bank said the company had no comments.

Former employees also sued the company after it shut down. On May 26, 2024, a district court in Illinois entered an order forcing a settlement agreement with two former employees, Anthony Perri and Anthony Perri Jr.

They require the company to pay over their contributions to a deferred compensation plan maintained with the Principal Financial Group. This account currently has $750,000.

“After exhausting all reasonable alternatives, Debtor has determined that a resolution outside of this Bankruptcy Court cannot be fairly and equitably achieved,” it states. “Thus, Debtor commenced this Chapter 11 case to maximize and preserve the value of its remaining assets for the benefit of all stakeholders as well as evaluate its remaining options.”

The lender states that the IRS is processing a request for $22 million in economic recovery credit, which could be used to pay priority and general unsecured creditors.

asustadísimos · « **Respuesta #2523 en:** Junio 05, 2024, 21:11:32 pm »

[Un servidor fue instruido en que, para no liarte, no hay que traducir los conceptos del Derecho Financiero de EEUU al español: hay que pensarlos en inglés.

En el Derecho español no existe concepto de ingresos pasivos ni de rentas —ingresos menos gastos— pasivas ni de activos pasivos ('passive assets') ni de comercio o negocio activo ('active trade or business').

Esto de la pasividad en la extracción de rentas es de manual de autoayuda (v. 'Padre rico, padre pobre') o se lo escuchamos a los vendedores de crecepelo que infestan YouTube con sus recetas mágicas para vivir del cuento —siempre mediante ladrillos o criptos—.

Los conceptos fuertes son residencia, establecimiento permanente, rentas inmobiliarias, beneficios empresariales, dividendos, intereses, cánones, ganancias de capital, retribuciones de consejeros, pensiones, etcétera. Solo hay que manejar los conceptos del modelo de convenio de doble imposición de la OCDE traducidos por el Instituto de Estudios Fiscales (o los de Contabilidad Nacional —SEC, etc.—):

https://read.oecd-ilibrary.org/taxation/modelo-de-convenio-tributario-sobre-la-renta-y-sobre-el-patrimonio-version-abreviada-2017_765324dd-es

https://boe.es/buscar/act.php?id=BOE-A-1990-30940

Finalmente, hay que decir que la locución 'transparencia fiscal internacional', no la materialidad del concepto, es más que discutible.

Tampoco existe tal cosa ('such thing') como el 'free lunch', el 'thin air', la 'property ladder' y demás metaforitas con que nos castigan a diario esos otros vendedores de crecepelo ideólogos del anarquismo odia-impuestos.

Por otra parte, en Contabilidad, lo que conocemos por Activo y Pasivo, el anglo lo llama 'Assets and Liabilities'.

¡Eso de activo o pasivo suena a ano! Y me temo que esa es la verdadera metáfora: el 'direct involvement' en el 'to make money'. En el mundo anglo, en general —no solo el fisco—, se distingue entre el dinero 'without effort' y el 'earned'. Es cosa de la tradición judeo-cristiana. Recordemos que el hombre, por comer del fruto prohibido (del árbol del bien y del mal), fue sancionado con tener que ganarse el pan con el sudor de su frente, no con el de la de otros. Lutero lo enfatizó. Calvino lo radicalizó.

Conclusión: dinero-sin-trabajar.

DST es una sigla que da tanto juego como DOP, el dinero de otras personas con el que El Sector fabrica los 'hactibos' del juego-de-DST de El Ladrillo —no hay actividad más subcapitalizada que la inmobiliaria, es decir, más intensa en recursos ajenos—. Es una lástima que estas dos siglas no puedan convertirse en acrónimos, escribirse en minúscula y aspirar a entrar en el DRAE, como radar, ovni o sida.]

Derby · « **Respuesta #2524 en:** Junio 05, 2024, 21:49:23 pm »

https://www.politico.com/news/2024/06/03/south-lake-tahoe-california-tax-empty-homes-00161375

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In South Lake Tahoe, California, residents battle over empty second homes

Although urban areas like San Francisco, Oakland, and Berkeley have passed vacancy taxes on unoccupied homes, that political will has not yet manifested in vacation destinations.

SOUTH LAKE TAHOE, Calif. — A ballot initiative to tax empty homes has divided the mountain resort town of South Lake Tahoe in recent weeks as both “for” and “against” campaigns shift into gear.

The measure would create a tax of up to $6,000 on homes left vacant for more than six months a year, which supporters argue is necessary to shore up the rapidly dwindling rental housing stock for local workers in tourism-related jobs.

The Tahoe Chamber of Commerce and real estate agents, meanwhile, have locked arms to push back against the initiative, calling it a form of taxation without representation for homeowners who live elsewhere. Steve Teshara, co-chair of the group Stop the Tahoe Vacancy Tax, said: “There’s nothing in the measure itself that earmarks one penny to affordable housing.”

The row within the lakeside destination near the Nevada border reflects the larger debate across California around how to offer affordable housing, and whose needs to prioritize within popular vacation destinations: locals or second homeowners.

Amelia Richmond, one of the leaders of the South Lake Tahoe Vacancy Tax group that qualified the initiative, said her experience living on the north side of the lake illustrated just how bad the problem can become if it goes unaddressed.

As more second homes were left unoccupied, Richmond said many of her friends couldn’t find units to rent. Richmond fears locals will increasingly be forced to commute long distances to their jobs, adding to traffic and congestion. Schools in the area are already seeing declining enrollment. As Richmond put it, “you can’t have a community with half of homes sitting empty.”

The opposition group, Stop the Tahoe Vacancy Tax, had not responded to requests for comment by publication time.

The fee structure, which imposes a $3,000 tax for the first year a home sits vacant and rises to $6,000 for the second year, was modeled after Berkeley’s, one of a handful of cities in California that have vacancy taxes on the books. Enforcement will require a one-page declaration of occupancy and spot auditing of utility bills.

Although urban areas like San Francisco and Oakland have passed vacancy taxes in some form, that political will has not yet manifested in vacation destinations like South Lake Tahoe. Residents of Del Mar, a beachside town near San Diego originally founded as a resort community, are pursuing a similar ballot measure this year that would tax “transient occupancy.”

In South Lake Tahoe, that debate has become increasingly tense in recent weeks. Last Thursday, the tax measure’s supporters were set to host a launch party at a local American Legion. But the legion said it began receiving angry calls from residents and at least one legion member, who said hosting the event would be viewed as an endorsement.

Ultimately, the legion pulled the plug. “Given the high volatility of this, we decided it would be in our best interest not to host it,” said legion head Tom Millham.

The Stop the Tahoe Occupancy Group held a competing campaign launch event at the South Tahoe Associations of Realtors office just down the road.

Still, Richmond insisted that calls were made by a “small, vocal minority” and that the public was behind their effort. She noted the vacancy tax group had gathered double the amount of signatures necessary to qualify for the ballot in half the time allotted.

“Despite what you might hear from the small elite group in city council chambers, there is a lot of public support for this,” Richmond said. “We want to be the domino that falls and makes this possible for other small communities.”

Saturio · « **Respuesta #2525 en:** Junio 05, 2024, 22:48:25 pm »

Market Summary
>
NVIDIA Corp
1,224.40 USD
+60.03 (5.16%)today

Empate técnico con Microsoft en capitalización.

saturno · « **Respuesta #2526 en:** Junio 06, 2024, 01:21:05 am »

Cita de: asustadísimos en Junio 05, 2024, 12:21:14 pm

Aquí está todo lo que nos permite prever y acertar:

(click to show/hide)

Economía politica = { P , R, G } = Filosofía moral

Gracias. Infinitas por ponerlo en orden. Impriman y pónganlo en la cabecera de su mesa de trabajo. Cuando levanten los ojos, lo tendrán delante, si no lo vieron ayer, mañana lo verán.

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¿Entienden por qué estoy asustadísimo? El sistema está gripado, el dólar no es lo que era y el tiempo se acaba.

No. No lo entiendo.
Para empezar me cuesta mucho entender cómo puede estar gripado un sistema que no es una obra humana. Cuando Adán tuvo que ponerse a trabajar, el sistema de trabajo no fue su creación. Por la misma razón que no pueden concebirse leyes disfuncionales. Si lo fueran, no serían leyes. El mundo, la vida, la muerte, tiene sentido. A ese sentido se le dice estructural.

En cambio, lo que está gripado es el modelo de toma de decisiones. Concretamente, el modelo fiscal (el mismo que sustenta la existencia del capitalismo popular, la sustanciación del DST es la privatización del impuesto). Y luego, está en consecuencia gripado el modelo político que permite a 4 dementes enviarnos a la guerra convencidos de actuar en representación de la voluntad colectiva. La Economia política gripada tiene su contrapartida en el gripado de la Filosofía moral estructural (el 'mierdismo').

¡Quienes habemos de despertar, somos nosotros! Quienes eligen la demencia voluntaria no pueden hacerlo. El crimen contra el Verbo no tiene vuelta atrás.

Cuando despertemos, cuando sepamos que están dementes, perderán inmediatamente su poder sobre nosotros. Vean en el hilo telegram las escenas cada vez más frecuentes de la población ucraniana oponiéndose al reclutamiento. https://t.me/ukr_leaks_esp/10785

Están simplemente despertando. Y ahora mismo, es cuando nosotros no les ayudamos.
Es ahora cuando hay que organizarse para defender a los Ucranianos, y no a Johnson (un neonazi) o a Biden (un sionista), sino a los Ucranianos. Es ahora cuando toca defendernos a nosotros mismos.

No entiendo qué miedo se le puede tener a entrar en un proceso de transición estructural que desemboque en un modelo fiscal y, por tano, político más acorde con el sistema.

Pero no acorde con alguna ley demencial (demócrata, dicen) sino con el sistema estructural. El que dice que morir es vivir, cuando eliges cómo hacerlo. Porque fuiste creado libre de elegir.

Organícense. Y diviértanse.

Cadavre Exquis · « **Respuesta #2527 en:** Junio 06, 2024, 07:44:41 am »

https://www.pressreader.com/spain/el-economista/20240606/page/3/textview

Urge un pacto por la vivienda

https://www.pressreader.com/spain/el-economista/20240606/page/15/textview

El Gobierno confía en aprobar la ley del suelo tras las elecciones europeas

“La sobrerregulación en residencial de Cataluña frena la inversión institucional”

https://www.eleconomista.es/vivienda-inmobiliario/noticias/12849343/06/24/las-promotoras-alertan-la-falta-de-suelo-y-la-elevada-inmigracion-seguiran-calentado-el-precio-de-la-vivienda.html

https://www.eleconomista.es/banca-finanzas/noticias/12849907/06/24/la-financiacion-alternativa-crece-a-ritmos-del-50-con-grandes-oportunidades-en-suelos-cooperativas-lujo-o-rehabilizacion.html

https://www.pressreader.com/spain/el-economista/20240606/page/20/textview

El sector espera que la inversión en alquiler regrese el próximo año

https://www.eleconomista.es/vivienda-inmobiliario/noticias/12850382/06/24/el-inmobiliario-se-enfrenta-al-galimatias-de-desarrollar-suelo-en-espana.html

https://www.eleconomista.es/transportes-turismo/noticias/12850402/06/24/madrid-financiara-la-concesion-del-100-de-las-hipotecas-para-jovenes.html

Saludos.