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Top 4 maiores setores de ocupação nos Estados Unidos, todos no setor de serviços de baixos salários, pagando US $ 10 por hora ou menos: O que significa viver perto do salário mínimo?
As pessoas têm dificuldade em entender o fato econômico de que os principais setores de empregos nos Estados Unidos são compostos de ocupações no setor de serviços de baixos salários. Definimos salário baixo como um trabalho que paga US $ 10 por hora ou menos. A imprensa não destaca realmente esse segmento pobre de trabalho de nossa sociedade, embora uma grande porcentagem de nossa população esteja empregada em uma indústria que paga muito pouco e oferece benefícios escassos (se houver). Houve um tempo em que os principais setores de emprego nos EUA envolviam pessoas que ofereciam coisas e salários suficientes para um padrão de vida saudável. Agora, a maioria dos americanos precisa entrar em níveis incríveis de dívidas para comprar casas ou mesmo ir para a faculdade. Sempre acho útil olhar para os principais setores de empregos em nosso país porque isso nos dá uma boa noção de quais empregos estão dominando o mercado. Vamos dar uma olhada em alguns dos principais campos de emprego.
Pode ser uma surpresa para você que o trabalho com a maioria dos trabalhadores seja o do vendedor de varejo. Mais de 4,4 milhões de americanos estão empregados nesta categoria de emprego. Este trabalho paga muito pouco, mas também não traz quase nenhum benefício. Então nos perguntamos por que muitos dos 46 milhões de americanos que recebem cupons de alimentação realmente têm empregos.
Mas vamos olhar os campos superiores com mais cuidado:
Os quatro principais setores de emprego são:
- Vendedor de varejo com 4.485.180 empregados.
Cadeirões com 3.343.470 empregados.
- Trabalhadores de preparação e serviços de alimentos com 3.022.880.
Mais de 13 milhões de americanos estão empregados apenas nessas quatro indústrias que pagam salários muito baixos. Estes são os melhores empregos no nosso país. O próximo campo superior é a enfermagem que paga um bom salário, mas exige que as pessoas frequentem a faculdade. Muitas escolas públicas que oferecem programas de enfermagem são muito afetadas, com listas de espera que duram anos. Escolas privadas estão lá e, claro, mas a taxa de matrícula está subindo além do crescimento dos salários, então muitos são forçados a escolher entre uma vida de salário mínimo ou se endividar para financiar sua educação.
Após a enfermagem, o próximo setor de emprego mais destacado é garçons e garçonetes. Este é outro setor que paga pouco e praticamente não oferece benefícios. Próximo? Representantes de atendimento ao cliente. De fato, dos 10 principais setores de emprego nos EUA, apenas um paga o que muitos consideram um salário habitável.
Cobrimos os dados de renda em um post anterior e alguns tiveram dificuldade em entender por que a faixa de imposto com o maior número bruto de pessoas é de US $ 15.000 ou menos:
“Acontece que a maior faixa de imposto vem na forma de pessoas que ganham US $ 15.000 ou menos por ano (esse grupo representa 25% do imposto)”.
Há uma razão pela qual existem dezenas de milhares de lojas de dólares vendendo itens que são em grande parte feitos fora dos EUA. Muitos americanos mais velhos, um segmento crescente de nossa sociedade, vivem diariamente devido à Previdência Social. Na verdade, sem a Segurança Social, muitos estariam nas ruas vivendo uma vida de miséria financeira.
Não tenho certeza se vamos reverter essa tendência tão cedo. Certamente, o tema político para 2016 será econômico. O foco será nos salários e na classe média. Mas como você pode ver nos dados acima, uma grande parte da nossa sociedade foi rebaixada da classe média para uma economia de baixos salários, onde a dívida é uma necessidade para seguir em frente.
6 Comentários sobre este post.
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E é claro que os políticos (principalmente) do RW demonizam os "tomadores". trabalhando para o amendoim, enquanto eles conspiram para promulgar políticas que beneficiam os que estão no topo.
E o aspecto mais nefasto é a mídia capturada que "papagaios" o meme tomador, convencer tantos & # 8216; no convés & # 8217; para o mesmo tratamento & # 8230; trabalhe com mais afinco por menos, e qualifique-se para benefícios sociais, que obviamente não são nada além de "coisas grátis" # 8221; para as corporações que escapam dos salários dos escravos enquanto milhões de dolts os animam!
Que mundo maravilhoso & # 8230;
A preparação de alimentos é o novo setor manufatureiro.
É interessante que todos os & # 8220; low & # 8221; os trabalhos remunerados listados são não-manufaturados.
Para colocar as coisas em perspectiva, em 1970 um Big Mac e um galão de gasolina eram ambos 25c e um típico trabalho de classe média pagava US $ 6 / h. Concentrar-se apenas no salário, sem considerar o poder de compra ou o valor do trabalho realizado, é enganoso e sem sentido.
Também é interessante que, enquanto o salário mínimo & # 8221; proponentes exigem que os empregadores paguem um salário independentemente do valor do trabalho, ninguém exigiu um valor mínimo & # 8221; dos trabalhadores ou um preço máximo & # 8221; independentemente do valor do produto.
Não admira, o salário mínimo tem sido historicamente uma esteira.
Tudo o que vemos nas notícias é que os salários são uma despesa que afeta a margem de lucro, o que parece ser o principal indicador de sucesso e, se aumentarmos o salário, o empregador deve aumentar os preços para compensar o impacto no lucro. No entanto, essas mesmas pessoas investem em pesquisa e em muita publicidade, dinheiro proveniente de lucros atuais ou não realizados, na crença de que pesquisa e publicidade são mais um ativo do que uma despesa, na crença de que resultarão em um aumento nas vendas futuras. Isso aumentará as vendas o suficiente para compensar as despesas correntes. Assim, enquanto a pesquisa e a publicidade são uma despesa corrente, elas são mais um ativo do que uma despesa. E se os salários fossem também vistos como mais um ativo do que uma despesa? Os lucros surgem da venda dos produtos e serviços oferecidos. As pessoas recebem um salário para produzir esses bens e serviços, mas essas pessoas, por sua vez, ganham salários para gastá-los nos bens e serviços que eles e seus dependentes precisam para viver, esperançosamente, para desfrutar de pelo menos um padrão básico de vida. capaz de prover para si e para seus dependentes o básico, como comida, abrigo, roupas, cuidados médicos, educação. Mas eles não podem gastar o que não têm, a menos que se endividem, o que sobrecarrega suas finanças limitadas.
Nós, as pessoas, temos tentado suplementar salários baixos ou a falta deles através de vários programas, como vale-refeição, subsídios de aluguel, educação gratuita e muito mais. Esses fundos são supostamente cobertos por impostos, mas com todas as isenções fiscais e isenções disponíveis, não são cobrados impostos suficientes, forçando-nos a entrar em dívidas, resultando em enormes dívidas nos cofres nacionais e estaduais, ou descontinuar ou restringir programas.
E se o setor privado percebesse que os salários são mais um ativo do que uma despesa, um ativo que realizaria um tremendo salto nas vendas e mais do que justificaria o gasto com pesquisa, propaganda e salários. Mais de 50% dos assalariados atuais e um adicional de aproximadamente 10% que gostariam de trabalhar, mas não conseguem encontrar um emprego, um total de 60% mal consegue, ou não, prover para si, mas gostaria de poder comprar o que eles necessidade e mesmo além das necessidades, se pudessem. Aumentar os salários para, pelo menos, um nível que tornaria possível um nível básico de vida, causaria imediatamente um valor de 50 & amp; aumentar o boom de gastos com bens e serviços necessários alimentos, abrigo, roupas etc. Com o aumento da demanda, empregos que pagam o suficiente para um padrão básico de vida teriam que ser criados para atender a demanda e aqueles que atualmente estão desempregados poderiam encontrar bons pagando empregos aumentando o boom de gastos mais 10%. Com uma base de clientes saudável no nível básico, aumentaria a pressão por empregos que pagam além do padrão básico de vida. E a economia está a caminho da recuperação.
Assim, nossa recuperação depende de uma base de clientes cada vez melhor, que melhora com o aumento dos salários, visto como mais um ativo do que uma despesa. Como um corpo crivado de câncer e capaz de funcionar apenas com grande dificuldade, que, com os devidos cuidados, se livra do câncer, pode funcionar novamente com renovada saúde e vigor. nossa economia pode se recuperar com o devido cuidado com a base de clientes, restaurando-a à saúde e ao vigor por meio de salários capazes de provar seu valor mais como um ativo do que como uma despesa.
Basicamente, tudo o que um homem deve pagar para viver e criar uma família deve provir de sua renda e que ou vem de um empregador ou de investimentos. Como a maior despesa é um teto sobre a cabeça, o salário mínimo para um homem deve ser o preço da casa dividido por igual ou menor que 6000 horas-homem. Aquele é o máximo que deve pagar por uma casa e o mínimo deve ser pago por hora.
Ou os salários estão corretos e os preços dos imóveis estão fora de linha ou os preços dos imóveis estão corretos e os salários estão desalinhados como inadequados. No entanto, como as coisas estão agora, as taxas de salários e os preços dos imóveis não podem estar corretos. Tudo o que um homem deve gastar deve vir da renda, portanto, as despesas devem estar em alguma proporção razoável para essa renda ou um homem e sua família não serão capazes de viver adequadamente e os resultados serão privação das necessidades da vida e baixas taxas de natalidade. genocídio de definição.
As implicações para os empregadores e participantes gananciosos do mercado imobiliário são óbvias. Responsabilidade criminal.
Muitos daqueles no grupo de US $ 10 por hora eram as mesmas pessoas que riam e escolhiam as crianças que estudavam no ensino médio, então talvez sua justiça poética & # 8230;
DEIXE UM COMENTÁRIO.
Meu Orçamento 360.
Popular - Todos os Tempos.
Popular & # 8211; Ataques atuais.
Quanto ganham os americanos? Qual é o rendimento médio dos EUA e outros valores de renda?
Como é uma América sem classe média?
Conformidade e MiFID.
Conformidade / MiFID / EMIR / MAD / UCITS / AIFMD & # 8230 ;.
Aktualności.
28-10-2015 r .: Ustawa dotycząca wdrożenia FATCA została opublikowana w dniu dzisiejszym. Ustawa z dnia 9 października 2015 r. o wykonywaniu Umowy między Rządem Rzeczypospolitej Polskiej um Rządem Stanów Zjednoczonych Ameryki w sprawie poprawy wýłnniania międzynarodowych obowiązków podatkowych oraz wdrożenia ustawodawstwa FATCA (Dz. U. poz. 1712) wejdzie w życie 1 grudnia 2015 r.
21-10-2015 r .: ESMA opublikowł Wytyczne w sprawie stosowania sekcji C pkt 6 i 7 w załączniku Eu faço MiFID. Sekcja C pkt 6 i 7 MiFID Eu tyczy się instrumentów finansowych tj.:Transkcje opcyjne, transakcje typu futures, swaps, umowy terminowe na stopę procentową oraz inne kontrakty na instrumenty pochodne odnoszące się do instrumentów towarowych, które można materialnie rozliczać pod warunkiem, pode podlegają one obrotowi na rynku regulowanym i / lub MTF oraz Oportunidades de negócio, transferência de futuros, swaps, umowy terminowe na stopę procentową oraz inne kontrakty na instrumentação pochodne odnoszące się do instrumentów towarowych, które można materialnie rozliczać oraz nie wymienionych w inny sposób w sekcji C. 6 i nie przeznaczonych do celów handlowych, które wykazują właściwości innych pokhodnych instrumentów finansowych, uwzględniając między innymi, czy są um rozliczane przez uznane izby rozrachunkowe lub podlegają regularnym spekulacyjnym transakcjom różnicowym.
13-08-2015 r .: W serwisie KNF została zamieszczona publikacja p. Łukasza Cichego pt. & # 8222; Conformidade com o Funkcja w bankach & # 8222 ;.
08-07-2015 r .: pr R pr pr pr pr pro now now now now now now now now now now now now now now now now now now now 7 pos lip 7 7 7 7 7 lip 7 7 lip lip 7 lip 7 lip 7 lip Więcej: TUTAJ.
29-06-2015 r .: & # 8222; Urząd Komisji Nadzoru Finansowego (UKNF) przypomina, we w dniu 16 lipca 2015 r. wejdzie w nowycie nowelizacja ustawy o obrocie instrumentami finansowymi, o zmieniająca sposób inwestowania przez klientów detalicznych firma inwestycyjnych w instrumenty pochodne, które nie są rozliczane przez CCP - o estado central da empresa está posicionado como centralnn kontrahenta. Nowelizacja ustanawia minimumną wysokość wymaganego depozytu zabezpieczającego, potrzebnego do realizacji przez firmę inwestycyjną zlecenia klienta detalicznego nabycia lub zbycia instrumentów pochodnych. & # 8221; Pełen komunikat: TUTAJ.
26-06-2015 r .: Do publicznej konsultacji został przesłany projekt Wytycznych dotyczących systemu zarządzania produktem oraz projekt O que é Wytycznych dotyczących badania adekwatności produktu.
08-06-2015 r .: ESMA emite dashboard de risco Q1 para mercados de valores mobiliários & # 8211; fazer pobrania: TUTAJ.
08-06-2015 r .: O conteúdo desta página é da KNF para as coordenadas wyniki kontroli NIK dotyczącej nadzoru nad publicznym obrotem instrumentami finansowymi.
08-06-2015 r .: FCA & # 8211; O Lloyds Banking Group multou £ 117 milhões por não atender as reclamações do PPI de forma justa. Raport: TUTAJ
1) Stewart Ford (ex-diretor executivo) & # 8211; Aviso de decisão.
3) Peter Johnson (ex-diretor de conformidade) & # 8211; Aviso de decisão.
26-05-2015 r.:Relacja z seminarium audytowego PIU & # 8211; prezentacje do pobrania: TUTAJ.
22-05-2015 r .: Materiały z III Kongresu PIU do pobrania: TUTAJ.
22-05-2015 r .: FCA publica termos de referência para o seu estudo de mercado de investimento e corporate banking. Informação da Acomodação: TUTAJ. MS15 / 1.1 Estudo do mercado de investimento e corporate banking: Termos de referência: TUTAJ.
O Federal Reserve anunciou nesta quarta-feira que vai impor multas no total de mais de US $ 1,8 bilhão contra seis grandes organizações bancárias por suas práticas inseguras e inseguras nos mercados de câmbio (FX). As multas, entre as maiores já avaliadas pelo Federal Reserve, incluem: US $ 342 milhões cada para o UBS AG, o Barclays Bank PLC, o Citigroup Inc. e o JPMorgan Chase & amp; Co .; US $ 274 milhões para o Royal Bank of Scotland PLC (RBS); e US $ 205 milhões para o Bank of America Corporation. O Federal Reserve também emitiu ordens de cessação e desistência exigindo que as empresas aprimorassem suas políticas e procedimentos de supervisão e controle sobre as atividades nos tipos de mercados de atacado e similares do FX:
2) BANK OF AMERICA CORPORATION & # 8211; TUTAJ
5) O BANCO REAL DA SCOTLAND PLC & # 8211; TUTAJ
20-05-2015 r .: Kary z uzasadnieniem:
20-05-2015 r .: Kary i informacje z dziś:
20-05-2015 r .: Protocolo de Permanência da Resolução ISDA 2014 & # 8211; Protokół umożliwia stronom dokonanie zmiany warunków w szczególności umowy ramowej ISDA O que é que a maioria das pessoas que se referem a esta questão, que é o mais comum possível, se o que for necessário é um padrão cruzado padrão.
20-05-2015 r .: Reklamacja bez paragonu & # 8211; decyzja UOKiK. Więcej: TUTAJ.
19-05-2015 r .: W dniu 18 maja 2015 r. została ogłoszona ustawa z dnia 20 de março de 2015 r. o ratyfikacji Umowy między Rządem Rzeczypospolitej Polskiej um Rządem Stanów Zjednoczonych América do Norte popawy wypełniania międzynarodowych obowiązków podatkowych oraz wdrożenia ustawodawstwa FATCA, oraz towarzyszących Uzgodnień Końcowych, podpisanych dnia 7 dias atrás 2014 r. w Warszawie (IGA). Ustawa wchodzi w życie po upływie 14 dias atrás dnia ogłoszenia.
19-05-2015: Giełda Papierów Wartościowych w Warszawie (GPW) Comissão de Negociação de Futuros de Commodities (CFTC), que oferece uma oferta de investimento nos Estados Unidos da América WOW20. Więcej: TUTAJ.
15-05-2015 r .: & # 8222; Urząd Ochrony Konkurencji i Konsumentów wydał zdecydowaną walké cwanym prawnikom, którzy pod sztandarem obrońców konsumentów zasypują firmy pozwami o rzekome stosowanie niedozwolonych zapisów w regulaminach sprzedaży & # 8221; (nareszcie!). Więcej na bankier. pl.
15-05-2015 r .: Rada WIBOR republica & # 8222; Rekomendację Rady WIBOR dotycząca backtestingu & # 8221 ;. Do pobrania na stronach ACI.
15-05-2015 r .: Ostatnie wiadomości nt. manipulacji na rynkach finansowych eu innych notícias:
05-05-2015 r .: ESMA, EBA e EIOPA (comissão conjunta do comité) opublikowały raport & # 8222; Riscos e vulnerabilidades no sistema financeiro da UE & # 8221; z ciekawym rozdziałem & # 8222; Risco de conduta comercial & # 8221; oraz podrozdziałem & # 8221; Riscos relacionados aos principais benchmarks na UE & # 8221 ;. Warto wskazać, je jest to jedna z pierwszych inicjatyw, które kierują uwagę (w szczególności dla funkcji compliance) na ryzyka związane z manipulacją stopami referencyjnymi. Z innych inicjatyw wart przypomnieć raport FSB & # 8211; & # 8222; Benchmarks de câmbio estrangeiro - relatório final & # 8221; czy raport IOSCO & # 8222; Revisão da Implementação dos Princípios da IOSCO para Benchmarks Financeiros pela WM em relação à WM / Reuters 4.p. m Closing Spot Rate & # 8222 ;.
05-05-2015 r .: Zarząd Stowarzyszenia Complacência Polska, uprzejmie informujemy, we w poniedziałek, w dniu 25 dias 2015 roku o godzinie 18.30 horas atrás Walne Zebranie Członków Stowarzyszenia Compliance Polska.
29-04-2015 r .: Warta polecenia strona kancelarii SSW Spaczyński, Szczepaniak e Wspólnicy dotycząca rynków kapitałowych capitalmarkets. pl, a w niej m. in. komentarze i aktualności.
28-04-2015 r .: ESMA wydał kolejną nowelizację & # 8222; EMIR Q & amp; A & # 8222;
28-04-2015 r .: Comentários e referências KNF: & # 8222; W związku z pojawiającymi się wątpliwościami, Uržąd Komisji Nadzoru Finansowego (UKNF) podtrzymuje stanowisko, e świadczenie odpłatnej usługi polegającej na zapewnieniu klientowi ochrony przed skutkami zdarzeń losowych jest działalnością ubezpieczeniową. Jej legalne zezwolenia KNF wykonywanie wymaga, um może brak zezwolenia grozić odpowiedzialnością karną. W szczególności dotyczy para biur podróży i pośredników Turystycznych odpłatnie zapewniających klientowi zwrot wpłaty lub inna wycieczkę w razie niedojścia zaplanowanego wyjazdu Do skutku z przyczyn losowych, np. choroby klienta, upadłości tour-operatora, albo anulowania, wycieczki e innego losowego powodu. Przypadku powzięcia przez nadzór informacji oświadczeniu ww. Para mais informações, por favor, escreva uma pergunta ao fornecedor do serviço de ajuda pública do Reino Unido para obter mais informações sobre os serviços públicos disponíveis no seguinte endereço: http://europa. eu. int/comm/social/publications
27-04-2015 r .: Kilka najciekawszych kar w ostatnim czasie:
1. Merrill Lynch multou £ 13 milhões por não conseguir resolver seus processos de relatórios de transação.
Mais ciekawostka (dobra praktyka!):
18-03-2015 r. ESMA opublikował Programa prána 2015 r. Para czego mo siemy się na pewno spodziewać para np. publikacja dokumentów konsultacyjnych w wytycznych w związku z rozporządzeniem MAR (Q2 2015 r.), publicaçã Wytycznych MiFID / MiFIR (4Q 2015 r.) czy np. rozpoczęcie wdrażania programu IT - „O Programa Mercados», który w założeniu będzie wspierał prace związane z rozwojem i wdrażaniem nowych standardów regulacyjnych i nadzorczych związanych z m. in. z MiFID II, MiFID czy MAR. Programa: TUTAJ.
05-03-2015 r .: Na stronie Rządowego Centrum Legislacji opublikowano kolejną wersję Projektu ustawy o zmianie ustawy - Prawo bankowe oraz niektórych innych ustaw.
27-02-2015 r .: Serviços administrativos e financeiros não especificados anteriormente Deutsche Bank POLSKA SA do nosso banco de dados kwotujących stawki referencyjne WIBID e WIBOR z dniem 30 marca 2015 roku.
24-02-2015 r .: ESMA opublikowała zapis z tzw. & # 8222; audição aberta no MiFID II / MiFIR & # 8221 ;, dostępny: TUTAJ.
18-02-2015 r .: Nowy Rocznik Kancelarii Wardyński i Wspólnicy a w nim kilka ciekawych artykułów m. in:
Odpowiedzialność przy korzystaniu z outsourcingu. Ewolucja w obowiązkach informacyjnych spółek giełdowych. Odpowiedzialność Skarbu Państwa za niewłaściwą implementację dyrektyw Unii Europejskiej.
Rocznik do poczytania na stronach Kancelarii.
11-02-2015: De acordo com o seguinte teor: «Zasad dotyczących procesu obsługi skarg przez instytucje finansowe». No entanto, as autoridades europeias da ESA (as autoridades europeias de controlo) são obrigadas a cumprir as suas obrigações. As autoridades de supervisão da ESA (as autoridades europeias de supervisão) são obrigadas a cumprir as suas obrigações. Wypracowanie i wdrożenie & # 8222; Zasad & # 8221; A maioria dos membros da comunidade local pode apresentar uma cópia da lista de países onde se encontram os membros da comunidade, bem como os membros da comunidade que se encontram em vigor. Treść projektu: TUTAJ.
11-02-2015 r .: Pesquise e altere o seu orçamento para a sua conta ou empresa para obter mais informações. Investment Friends SA. Komunikat: TUTAJ
04-02-2015 r .: Międzynarodowa Organizacja Normalizacyjna opublikowała nowy standard dotyczący systemow zarządzania funkcją compliance w organizacji (ISO 19600 & # 8211; Sistemas de gestão de conformidade - Diretrizes ”).
30-01-2015 r .: Polecam zapoznać się z dokumentacją FCA nt. Na Martin Brokers (UK) Ltd (Martins), gdzie kary otrzymali także ex-diretor executivo oraz ex-responsável pela conformidade. K Ką K na na naąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąąą ą
Ponto FCA do Raport. spółki: TUTAJ.
Raport FCS dot. ex-executivo-chefe: TUTAJ.
Ponto FCA do Raport. ex-diretor de conformidade: TUTAJ.
30-01-2015 r .: Generalny Inspektor Ochrony Danych Osobowych (GIODO) 26 ESTRENZIA 2015 r. sistema de informação informática zapewniający publiczny dostęp do ogólnopolskiego jawnego rejestru administrador_webzpieczeństwa informacji (ABI). Więcej: TUTAJ. Rejestr: TUTAJ.
30-01-2015 r .: Nowości w zakładce & # 8222; Akty prawne & # 8211; EUA e # 8221; & # 8211; set dokumentów związanych z Regra Volcker.
28-01-2015 r.:W dniu 15 stycznia 2015 r. ogłoszono nowelizację ustawy z dnia 29 lípica 2005 r. o obrocie instrumentami finansowymi (Dz. U. z 2014 r. poz. 94 i 586).
22-01-2015 r .: Produtos relacionados com a terra:
20-01-2015 r .: w Dzienniku Urzêdowym UE został opublikowany akt delegowany 2. poziomu do dyrektywy Wypłacalność II. Dokument liczy 804 strony. Fazer pobrania: TUTAJ.
16-01-2015 r .: 18 stycznia 2015 r. wchodzi w życie nowelizacja przepisów antymonopolowych, która wzmacnia ochronę rynku przed kartelami i pozwoli ostrzegać konsumentów przed nieuczciwymi działaniami które mogą narazić ich na znaczne straty finansowe. Więcej: TUTAJ.
15-01-2015 r .: Rada Ministrów przyjęła rozporządzenia do ustawy o ochronie konkurencji i konsumentów, które dotyczą programu łagodzenia kar, informacji i dokumentów koniecznych do zgłoszenia koncentracji i obliczania obrotu przy zamiarze fuzji lub przejeccia. Wszystkie wejdą w życie wraz z nowelizacją przepisów antymonopolowych - 18 de janeiro de 2015 r. Więcej: TUTAJ.
15-01-2015 r .: A EBA é responsável pela execução das suas actividades com base em normas técnicas de aplicação (ITS) (Procedimentos técnicos de aplicação), com base na formulação e / ou execução do programa em conformidade com o Regulamento de Execução 2014/59 / UE e 2009 15 maja 2014 r. ustanawiającą ramy na potrzeby prowadzenia działań naprawczych oraz restrukturyzacji i uporządkowanej likwidacji w odniesieniu do instytucji kredytowych i firm inwestycyjnych. Więcej: TUTAJ.
15-1-2015 r .: ESMA ogłosiła tzw. ‚Audição pública 'w sprawie dokumentu Documento de consulta sobre MiFID II / MiFIR. Rejestracja rozpocznie się 25 stycznia 2015 r. Więcej: TUTAJ.
09-01-2015 r .: Rada Ministrów przyjęła założenia do projektu ustawy o działalności ubezpieczeniowej i e reasekuracyjnej, przedłożone przez ministra finansów. Projekt do pobrania: TUTAJ.
09-01-2015 r .: ESMA prowadzi konsultacje dotyczące dostępu do informacji regulowanych na poziomie Unii Europejskiej za pośrednictwem Europejskiego Elektronicznego Punktu Dostępu.
Konsultacje trwają do 30 marca 2015 r.
08-01-2015 r .: Obowiązujące od 1 stycznia 2015 r. znowelizowane przepisy ustawy o ochronie danych osobowych wprowadzają ułatwienia w rejestracji zbiorów danych osobowych.
08-01-2015 r .: Para mais informações sobre o programa, leia o documento „Dobrych Praktyk Spłłek Notowanych na GPW”. Więcej: TUTAJ.
18-11-2014 r .: ESMA rozpoczęła konsultacje dotyczące zmian w standardach technicznych do rozporządzenia EMIR.
20-10-2014 r .: W dniu 21 października 2014 r. (wtorek) odbędzie się konferencja prasowa Prezesa UOKiK poświęcona najnowszym działaniom Prezesa UokiK w związku z polisolokatami (ubezpieczenia na Ucrânia e dożycie z ubezpieczeniowym funduszem kapitałowym).
17-10-2014 r .: ESMA opublikował odpowiedzi (wynik publicznych konsultacji) do dokumentów związanych z MAR: Projecto de normas técnicas sobre o regulamento relativo ao abuso de mercado oraz Projecto de parecer técnico sobre actos delegados relativo ao regulamento relativo ao abuso de mercado. Warto odnotować głos Stowarzyszenia Emitentów Giełdowych.
15-10-2014 r .: Wyrok SOKiK & # 8211; & # 8222; Não há nenhum problema em termos de dinheiro, ou seja, um produto que você pode usar para comprar um produto para crianças. Przedsiębiorca ma obowiązek w jasny e jednoznaczny sposób sformułować informacje, na czym polega inwestycja i w jaki sposób zabezpieczone są ulokowane przez konsumenta środki & # 8222 ;. Więcej na stronie UOKiK.
15-10-2014 r .: ESMA normas de regulamentação técnica (RTS) & # 8221; w kontekście dyrektywy Omnibus II.
15-10-2014 r .: Z badań KNF nt. rynku forex wynika, ok. 81% gostam de ter uma plataforma de acesso à Internet, que pode ser acessada em grande escala, com uma boa relação custo-benefício. 19% aktywnych klientów korzystających z plataforma internetowych transakcyjnych rynku forex osiągnęło zysk (preços de 1 de janeiro de 2013 r de 31 grudnia 2013 r.).
15-10-2014 r .: Czwarta kompromisowa propozycja z 29 września 2014 r. projektu Dyrektywy IMD 2 (Diretiva de Mediação de Seguros).
26-09-2014 r .: W dniach 16-17 września 2014 r. Generalny Inspektor Ochrony Danych Osobowic é um dos fundadores da 97 Grupy Roboczej Artykułu 29 ds. Ocrônio Danych w Brukseli.
26-09-2014 r .: ESMA opublikował odpowiedzi na publiczne konsultacje w temacie dokumentu: & # 8222; Documento de Consulta sobre a Obrigação de Compensação No2 em CDS & # 8221 ;.
25-09-2014 r .: Warto odnotować, w w wyborach na stanowisko Członka Zarządu Europejskiego Urzędu Nadzoru Giełd i Papierów Wartościowych (ESMA) powołano na 2,5-letnią kadencję Pana Marka Szuszkiewicza - Dyrektora Departamentu Firm Inwestycyjnych i Infraestrutura Rynku Kapitałowego Urzędu Komisji Nadzoru Finansowego (UKNF).
22-09-2014 r .: Artykuł & # 8211; Construindo União Bancária e “Completando” União Econômica e Monetária. Autorzy: David Howarth (Universidade de Luxemburgo) i Lucia Quaglia (Universidade de York).
18-09-2014 r .: Ciekawa przemowa Departamento de Justiça dos Estados Unidos da Brenta Snydera z amerykańskiego w kontekście funkcji compliance & # 8211; & # 8222; Conformidade é uma cultura, não apenas uma política & # 8222;.
15-09-2014 r .: na stronie www EIOPA zostöl opublikowany Raport roczny za rok 2013 (fazer pobrania: TUTAJ).
11-09-2014 r .: GIODO opublikował bardzo ciekawą publikację na 15-lecie eua ochronie danych osobowych. Więcej: TUTAJ.
10-09-2014 r. O que é dniu dzisiejszym na stronie? KNF é uma tradução automática do Inglês para a China informazjka (licząca sobie 42 strony!) Pt. & # 8222; Jak prawidłowo wypełniać obowiązki informacyjne. Poradnik dla emitentów & # 8221 ;. Autor de Marcin Pachucki i Aleksander Plutecki. Pozycja godna polecania & # 8211; do pobrania na stronach Urzędu: TUTAJ.
08-09-2014 r .: Szwajcaria: rascunho opublikowano ustawy & # 8211; Ato de infra-estrutura do mercado financeiro (FMIA), czyli głównego aktu szwajcarskiego dotyczącego infrastruktury rynków kapitałowych. Agora, você pode começar a fazer o seu pedido de compra (por exemplo, em inglês) e (em ordem pública) e na Securities and Exchange Act (lei suíça do mercado bancário), ou seja, na Suíça e no Reino Unido. Porządku prawnym (dostosowanie do wielu kwestii związanych z derywatami via Rozporządzenie EMIR, kwestie MTF & # 8217; ów czy OTF & # 8217; ów via MiFID II / MiFIR, kwestie współpracy z zagranicznymi regulatorami).
08-09-2014 r .: A ESMA ogłosiła kolejne publiczne konsultacje w modelu & # 8222; audição aberta & # 8221 ;, tym razem dotyczące dokumentów związanych z nową Dyrektywą MAD / Rozporządzeniem MAR. Więcej: TUTAJ.
08-09-2014 r .: rama rama rama rama rama rama rama III P P P P P P P P P Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Call Zwycięzca, który uzyska największą liczbę głosów, otrzyma Nagrodę Społecznościową - możliwość zaprezentowania é uma empresa de pesquisa de produtos farmacêuticos de farmácias de renome. III Polónia Política de Privacidade Termos de Utilização | Política de Privacidade Finansowych - FinReg 2014, czyli 16 dias atrás. Ponto de Więcej. głosowania wraz z linkiem (máx. na 5 referatów) można znaleźć TUTAJ.
08-09-2014 r .: Kanadyjski fundusz inwestycyjny Alaska Fundo de Pensões Eléctricas é responsável pela gestão do banco de dados da empresa ICAP com o objectivo de garantir uma boa gestão do ISDAFix (w USD). Você deve estar autorizado a obter um documento com a ajuda do sistema ISDAFix, que é responsável pela organização de um processo de transferência de dados.
08-09-2014 r .: UOKiK rozpoczął konsultacje społeczne projektu założeń do ustawy o pozasądowym rozwiązywaniu sporów konsumenckich, co zest związane z przyjętymi w UE zeszłym roku: Dyrektywą ADR wraz z Rozporządzeniem ODR. UokiK jest odpowiedzialny za przedstawienie projektu ustawy wdrażającej przepisy Dyrektywy. Cytując uzasadnienie ze strony Urzędu: & # 8222; Jeżeli przedsiębiorca nie uznał reklamacji konsumenta, a tenis ze nz zdadza z taką decyzją może skorzystać z pomocy podmiotów ofereceujących pozasądowe formy rozwiązywania sporów konsumenckich. Sprawy prowadzone są bez udziału sądu. Jego kompetencje przejmuje niezależna osoba trzecia - np. mediador árbitro lub. W przeciwieństwie do spraw rozpatrywanych przed sądami powszechnymi, metody te są tanie, szybkie i nie wymagają zatrudnienia wyspecjalizowanego prawnika. & # 8221; Tekst projektu dostępny jest: TUTAJ.
06-09-2014 r .: O processo de avaliação de desempenho é feito por pessoas que desejam participar do curso de ensino médio, com a participação de todos os membros do conselho de administração, com o objetivo de fornecer uma classificação completa, bem como a avaliação de todos os aspectos. Tribunal Federal da Austrália (tribunal superior e tribunal e equidade), oszczędności w czasach kryzysu) przez nadanie określonego ratingu.
06-09-2014 r .: Bardzo ciekawa publikacja do pobrania & # 8211; & # 8222; & # 8222; Precedendo o sistema da polícia de Polkim & # 8221; pod vermelho. dr Anny Śledzińskiej & # 8211; Simon oraz prof. UW dr hab. Mirosława Wyrzykowskiego.
04-09-2014 r.: EBA (European Banking Authority) stworzyła narzędzie, zwane The Interactive Single Rulebook (zbiór przepisów), który dostępny jest on-line TUTAJ. Zbiór ten będzie systematycznie rozbudowywany o wszelkie wytyczne (w tym wytyczne EBA) dotyczące CRD IV, CRR, także o akty delegowane Komisji (RTS/ITS) i co równie istotne o dokumenty związane z Dyrektywą o restrukturyzacji i uporządkowanej likwidacji banków (BRRD)– po jej wejściu w życie.
02-09-2014 r.: Do pobrania publikacja (na stronach PUI): Szczepańska M. (red.), Ubezpieczenia na życie z ubezpieczeniowym funduszem kapitałowym – ich rola, wartość, dobre praktyki , Numer specjalny Wiadomości Ubezpieczeniowych PIU 201303/2013 oraz Zaradkiewicz K. (red.), Niedozwolone postanowienia umowne w umowach ubezpieczenia, Numer specjalny Wiadomości Ubezpieczeniowych PIU 01/2013.
02-09-2014 r.: Niemiecki regulator (Bundesanstalt für Finanzdienstleistungsaufsicht – BaFin) poinformował, że zakończyły się prace nad kwestiami doradztwa inwestycyjnego płatnego (via MiFID II – tzw. „niezależnego” czyli „fee-based investment advice”). Ustawodawstwo niemieckie wyprzedza nieco implementację przepisów MiFID II/MiFIR regulując w zasadzie analogicznie do wspominanych aktów kwestie doradztwa inwestycyjnego płatnego (niezależnego). Nowa ustawa (The Fee-Based Investment Advice Act) wprowadza do ustawy o obrocie papierami wartościowymi (Wertpapierhandsgesetz – WpHG) przepisy regulujące, oprócz „klasycznego” doradztwa inwestycyjnego, także kwestie doradztwa inwestycyjnego płatnego (niezależnego). Zmiany do ustawy weszły w życie 1 sierpnia 2014 r. Ustawa Honoraranlageberatungsgesetz TUTAJ, komunikat BaFin: TUTAJ.
01-09-2014 r.: Już w najbliższym czasie Ministerstwo Finansów przedstawi kompromisową wersję projektu zmian do ustawy o obrocie instrumentami finansowymi w zakresie rozszerzenia jednolitej licencji bankowej. Więcej: TUTAJ.
21-08-2014 r.: Od kilku dni na stronie www ESMA widnieje informacja, że witryna jest w trakcie zmian, zatem większość linków do stanowisk ESMA nie działa.
20-08-2014 r.: Rzecznik Ubezpieczonych przedstawił Raport Rzecznika Ubezpieczonych poświęcony klauzulom abuzywnym w działalności ubezpieczeniowej. Cytując informacje ze strony Rzecznika: „Raport ten został opracowany w celu ukazania specyfiki i charakteru kontroli abstrakcyjnej wzorców umowy, przeprowadzanej przez Sąd Ochrony Konkurencji i Konsumentów oraz stworzenia pomocniczego narzędzia do oceny określonych postanowień ogólnych warunków ubezpieczenia pod kątem ich abuzywności lub ich tożsamości co do treści lub celu z zapisami umownymi uprzednio wpisanymi do rejestru postanowień Jego przedmiotem jest omówienie klauzul abuzywnych w działalności ubezpieczeniowej, które dotychczas zostały wpisane do rejestru postanowień wzorców umowy uznanych za niedozwolone, syntetyczna prezentacja stanowisk stron postępowania oraz przedstawienie motywów, którym kierował się Sąd Ochrony Konkurencji i Konsumentów, stwierdzając abuzywność określonego postanowienia o. w.u. Zaprezentowane w nim zostały także te postanowienia o. w.u., których SOKiK nie uznał za niedozwolone w obrocie z konsumentami.” Raport do pobrania na stronach www rzecznika: TUTAJ, natomiast załącznik do Raportu – tabelaryczny wypis postanowień o. w.u. wpisanych do rejestru klauzul abuzywnych z zakresu działalności ubezpieczeniowej – TUTAJ.
20-08-2014 r.: Rada Ministrów przyjęła projekt ustawy o zmianie ustawy o obrocie instrumentami finansowymi oraz niektórych innych ustaw, przedłożony przez ministra finansów. Celem proponowanych zmian jest dostosowanie przepisów krajowych do wymogów rozporządzenia wspólnotowego 236/2012 w sprawie krótkiej sprzedaży i wybranych aspektów dotyczących swapów ryzyka kredytowego oraz rozporządzenia wspólnotowego 648/2012 w sprawie instrumentów pochodnych będących przedmiotem obrotu poza rynkiem regulowanym, kontrahentów centralnych i repozytoriów transakcji.
20-08-2014 r.: FATCA – Rada Ministrów podjęła uchwałę w sprawie udzielenia zgody na podpisanie umowy między rządem Rzeczypospolitej Polskiej z rządem Stanów Zjednoczonych Ameryki w sprawie poprawy wypełniania międzynarodowych obowiązków podatkowych oraz wdrożenia ustawodawstwa FATCA oraz uzgodnień końcowych, przedłożoną przez ministra finansów. Umowa, aby wejść w życie, wymaga ratyfikacji ustawowej. Pełna treść komunikatu – TUTAJ.
18-08-2014 r.: Nowa strona Stowarzyszenia Compliance Polska. Można przeczytać wszystkie numery Newslettera SCP, w tym najnowszy – VII numer, w którym m. in.: JEDNOLITA LICENCJA BANKOWA , 7 EIOPA 1Q RISK DASHBOARD, RADA UE – POROZUMIENIE W SPRAWIE DYREKTYWY AML i wiele innych.
06-08-2014 r.: ESMA opublikowała odpowiedzi (wynik publicznych konsultacji) na dokumenty dot MiFID II/MiFIR: odpowiedzi do Discussion Paper on MiFID II/MiFIR i odpowiedzi do Consultation Paper on MiFID II/MiFIR. Warto odnotować, że są także uwagi z Polski (np. KNF-u).
28-07-2014 r.: UKNF przesłał do publicznych konsultacji projekt nowelizacji Rekomendacji P dotyczącej systemu monitorowania płynności finansowej banków.
28-07-2014 r.: GIODO przedstawił sprawozdanie ze swojej działalności za rok 2013 r. Sprawozdanie dostępne jest na stronie www GIODO.
23-07-2014 r.: W dniu wczorajszym KNF jednogłośnie przyjęła w znowelizowanym brzmieniu Rekomendację K dotyczącą zasad prowadzenia przez banki hipoteczne rejestru zabezpieczenia listów zastawnych oraz rachunku zabezpieczenia listów zastawnych i jego projekcji oraz Rekomendację F dotyczącą podstawowych kryteriów stosowanych przez KNF przy zatwierdzaniu regulaminów ustalania bankowo-hipotecznej wartości nieruchomości wydawanych przez banki hipoteczne.
22-07-2014 r.: W dniu dzisiejszym KNF wydała zasady ładu korporacyjnego dla instytucji nadzorowanych, których celem jest „podniesienie poziomu ładu korporacyjnego w instytucjach finansowych oraz zwiększenie ich przejrzystości działania, co przyczynia się do pogłębiania zaufania do rynku finansowego w Polsce”. Tekst zasad dostępny jest na stronie Urzędu: TUTAJ. Warto wskazać na par. 47 zasad, który stanowi: „ Instytucja nadzorowana powinna opracować i wdrożyć efektywną, skuteczną i niezależną funkcję zapewniania zgodności działania instytucji nadzorowanej z przepisami prawa i regulacjami wewnętrznymi oraz z uwzględnieniem rekomendacji nadzorczych ” oraz na cały Rozdział 8 Zasad.
18-07-2014 r.: W dniu wczorajszym została opublikowana w Dzienniku Ustaw nowelizacja ustawy o ochronie konkurencji i konsumentów , co oznacza, że zmiany wejdą w życie 18 stycznia 2015 r.
18-07-2014 r.: W dniu 4 lipca 2014 r. EBA wydało bardzo ważną opinię (EBA Opinion on ‘virtual currencies’) na temat walut wirtualnych (via np. bitcoin ), która w przeciwieństwie do wcześniejszych komentarzy, które wirtualnym walutom nie były przychylne, tym razem zawiera potencjalne rozwiązania prawne.
10-07-2014 r.: ESMA opublikowała kolejną (zaktualizowaną) wersję EMIR Q&A.
10-07-2014 r.: ESMA opublikowała Wytyczne, tym razem: Wytyczne w sprawie nadzoru nad informacją finansową ( Guidelines on enforcement of financial information ). Wytyczne będą tłumaczone na języki urzędowe UE, następnie w ciągu dwóch miesięcy krajowi regulatorzy będą obowiązani wskazać, czy zamierzają stosować się do Wytycznych.
10-07-2014 r.: Zakończyły się tzw. „ open hearings ” w ESMA dotyczące MiFID II (w zakresie M arket issues i Investor Protection issues ) i dostępne są na stronach ESMA pod adresami: Market issues i Investor Protection issues.
26-06-2014 r.: Książka „Dyrektywa o prawach akcjonariuszy. Studium tworzenia prawa i przewodnik po dyrektywie” dr. Krzysztofa Grabowskiego zostanie niedługo opublikowana przez oficynę wydawniczą Instytutu Allerhanda. Więcej szczegółów: TUTAJ.
25-06-2014 r.: Ustawa o prawach konsumenta została opublikowana w dniu 24.06, co oznacza, że jej przepisy zaczną obowiązywać za sześć miesięcy.
25-06-2014 r.:Komisja Nadzoru Finansowego wydała skierowaną do banków Rekomendację U dotyczącą dobrych praktyk w zakresie bancassurance. Rekomendacja U jest wydawana w celu poprawy jakości standardów współpracy pomiędzy bankami i zakładami ubezpieczeń w zakresie oferowania klientom – nieprofesjonalnym uczestnikom rynku finansowego produktów ubezpieczeniowych przez banki oraz określenia warunków stabilnego rozwoju rynku bancassurance w długim okresie. KNF oczekuje, że rekomendacja zostanie wprowadzona nie później niż do dnia 31 marca 2015 r. Jednocześnie Komisja wydała Wytyczne dla zakładów ubezpieczeń dotyczące dystrybucji ubezpieczeń. KNF oczekuje, że Wytyczne zostaną implementowane nie później niż do dnia 31 marca 2015 r.
24-06-2014 r.:Dyrektywa MAD II (w sprawie nadużyć na rynku) wraz z Rozporządzeniem MAR zostały opublikowane w Dzienniku Urzędowym Unii Europejskiej 12 czerwca 2014 r. Od tego dnia będą liczone poszczególne terminy z MAD II/MAR.
23-06-2014 r.: ESMA opublikowała ‚znowelizowane’ EMIR Q&A.
22-06-2014 r.: Dyrektywa MiFID II wraz z Rozporządzeniem MiFIR zostały opublikowane w Dzienniku Urzędowym Unii Europejskiej 12 czerwca 2014 r. Od tego dnia będą liczone poszczególne terminy z MiFID/MiFIR.
17-06-2014 r.: Zakończyła się Akademia Spółek Kapitałowych organizowanych wspólnie przez Instytut Allerhanda oraz Koło Naukowe Prawa Gospodarczego i Handlowego TBSP UJ, w związku z czym na stronie Instytutu zamieszczone zostały prezentacje z wykładów:
1) Krzysztof Oplustil, Zaskarżanie uchwał organów spółek kapitałowych – najnowsze tendencje w orzecznictwie (2 kwietnia 2014)
2) Tomasz Regucki, Warunkowe podwyższenie kapitału zakładowego oraz kapitał docelowy w spółkach giełdowych (9 kwietnia 2014)
3) Bartosz Groele, Sytuacja spółek kapitałowych wobec projektu zmiany ustawy prawo upadlościowe i naprawcze – wybrane zagadnienia (23 kwietnia 2014)
4) Mateusz Pacak, Ochrona inwestora na gruncie dyrektywy MiFID. Stan obecny i perspektywa zmian (7 maja 2014)
5) Jacek Dybiński, Corporate governance między zachodem a wschodem. Refleksje na temat aktualnego stanu i kierunków reform ładu korporacyjnego na rynkach kapitałowych (14 maja 2014)
6) Andrzej Świderski, Instrumenty pochodne OTC – ogólna charakterystyka(28 maja 2014)
London boasts 25% of best paid traders.
Updated: 14:09 GMT, 24 April 2008.
More than a quarter of the world's 100 highest paid traders work in London - a sign of the City's growing status as a global powerhouse.
Twenty-seven hedge fund managers based in the capital made it into the Trader Monthly 100 list of the world's top earners - more than double the 13 last year.
Only New York boasted more of the world's best paid financiers as London reinforced its position on the world's financial stage.
Greg Coffey, the GLG City superstar, has given up £160m bonus go it alone.
The list was compiled by Trader Monthly, a US magazine that is a cross between Institutional Investor and GQ. Whereas the survey previously included traders working inside investment banks and in the commodities trading pits, now all but seven of the top 100 work in hedge funds.
Top of the pile in London were Noam Gottesman and Pierre Lagrange, founders of GLG Partners, who are reckoned to have trousered between £200m and £250m each last year.
GLG, the second-largest hedge fund in Europe behind Man Group, scored big on emerging markets where a £1bn fund made returns of 60%.
Gottesman, 45, and Lagrange, 44, were joint 11th on the list worldwide and were joined by fellow GLG traders Greg Coffey, who earned between £50m and £75m. and Steven Roth, who was paid between £25m and £40m. Coffey and Roth, both 35, are the youngest London-based earners to make the top 10.
However, the staggering pay packets of Gottesman and Lagrange were well below that of John Arnold, the 33-year-old founder of Houston-based Centaurus Energy, who earned between £750m and £1bn last year gambling on the direction of natural gas prices. James Simons, the 68-year-old behind Renaissance Technologies in New York, is thought to have earned a similar amount.
Arnold and Simons were among five US financiers to bank more than £500m last year, according to Trader Monthly.
Bill Browder, of Hermitage Capital Management, earned the accolade of 'nerviest trader on the list' after the 42-year-old steered a £2bn fund to gains of 38% on Russian energy bets.
Browder, who set up Hermitage in 1996 and is based between London and Moscow, earned an estimated £125m to £150m last year. Chris Hohn, 40, earned a similar amount after his portfolio at The Children's Investment Fund followed up returns of more than 50% in 2005 with returns of around 40% last year. Hohn was responsible for putting Barclays target ABN Amro into play.
Iranian-born Kaveh Alamouti, 52, took home between £50m and £75m from Moore Capital Management.
The Queen's Park Rangers fan joined Moore after earning his reputation as an arbitrage specialist at Tokai Bank and his own firm, Optimum Asset Management.
And fellow arbitrage specialist Michael Hintze, 53, earned an estimated £40m to £50m at his hedge fund CQS Management, which has assets of £3bn.
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Top 1 Percent Control 42 Percent of Financial Wealth in the U. S. – How Average Americans are Lured into Debt Servitude by Promises of Mega Wealth.
Many Americans are not buying the recent stock market rally. This is being reflected in multiple polls showing negative attitudes towards the economy and Wall Street. Wall Street is so disconnected from the average American that they fail to see the 27 million unemployed and underemployed Americans that now have a harder time believing the gospel of financial engineering prosperity. Americans have a reason to be dubious regarding the recovery because jobs are the main push for most Americans. A recent study shows that over 70 percent of Americans derive their monthly income from an actual W-2 job. In other words, working is the prime mover and source of their income. Yet the financial elite have very little understanding of this concept. Por quê? 42 percent of financial wealth is controlled by the top 1 percent. We would need to go back to the Great Depression to see such lopsided data.
Many Americans are still struggling at the depths of this recession. We have 37 million Americans on food stamps and many wait until midnight of the last day of the month so checks can clear to buy food at Wal-Mart. Do you think these people are starring at the stock market? The overall data is much worse:
Source: William Domhoff.
If we break the data down further we will find that 93 percent of all financial wealth is controlled by the top 10 percent of the country. That is why these people are cheering their one cent share increase while layoffs keep on improving the bottom line. But what bottom line are we talking about here? The Wall Street crowd would like you to believe that all is now good that the stock market has rallied 60+ percent. Of course they are happy because they control most of this wealth. Yet the typical American still has negative views on the economy because they actually have to work to earn a living:
The above daily poll asks Americans about their view on the health of the economy. Only 13 percent believe the economy is good or excellent. Funny how that correlates with the top 10 percent who control 93 percent of wealth. Many Americans were sold the illusion of the bubble. They were sold on the idea that their homes were worth so much more than they really were. And many used this phony wealth effect to go out and spend beyond their means. They started spending as if they were part of this elite 10 percent crowd. But once the tide rolled out, it was clear they were not. And the horribly built bailouts demonstrate who is controlling our political system. This was not the rule of a capitalist system but a corporate run government.
Just think about the bailouts and which companies were saved. We ended up bailing out the worst performing and troubled companies thus keeping alive companies that should have completely failed. Did we bail out Google? Proctor and Gamble? Claro que não. These companies actually produce something that people want. Banks and especially the Wall Street kind merely keep that 42 percent happy by making sure their stock values stay high so they can keep on making money while the average Americans is sold up the river.
Yet many were brought into the easy money fold by going into massive amounts of debt. And who has most of the debt? That is right, the average American:
The bottom 90 percent have been saddled with 73 percent of all debt. In other words much of their so-called wealth is connected to debt. Debt is slavery for many especially with egregious credit card companies taking people out with absurd credit card tricks and scams. Yet the corporate propaganda machine is strong and mighty. Have you ever received an inheritance? A large one? Probably not because only 1.6% of all Americans receive an inheritance larger than $100,000. If this is the case, why in the world do politicians worry so much about the tax impacts of this? Because they want to keep the corporatocracy alive and well so their spawn can get a piece of their pie. They give the illusion to average Americans that if you only work hard enough you too can join this elusive club of cronies. The data shows otherwise.
But if we start looking at investment assets, the true wealth in the country, we start realizing why Wall Street is all giddy about the recent stock market government induced rally:
Of investment assets 90 percent of Americans own 12.2 percent. The rest goes to the top 10 percent. Welcome to the new serfdom. The bailouts that went out to the filthy rich were more about protecting their tiny corner of the world than actually making the economy better. That is why it is interesting to see companies fire people and Wall Street cheer for the increase in earnings per share. Good for the few at the expense of the many. Yet the propaganda out of Wall Street and our government is what is good for Wall Street is good for you. Just like that 1.6% inheritance issue, the vast majority of Americans won’t deal with that and their primary concern is simply a job. A job that has provided stagnant wages for a decade while the ultra wealth get richer and richer in a phony form of corporate socialism.
If you break down the data you realize that most Americans don’t have time to speculate in stock markets:
Only 34% of U. S. households make more than $65,000 per year. What is that after taxes? Let us use a state like California for example:
Now if we breakdown this data further you will realize that most of the money is consumed by cost of living necessities, not Wall Street speculation. Just to show this example let us look at a family budget for someone in California making $100,000:
Notice after running the budget we are in the hole for $1,000? That is because of many costs that typical families have. We can debate the merits of where they are spending money but the point is this; are these people really making beaucoup money from the stock market? They are putting away $12,000 a year into their 401k. As we have now found out, 8 percent a year is never guaranteed in the stock market although the corporate powers would like you to believe that so they can have other suckers to unload stocks onto.
“Yet the median household income in the U. S. is $50,000 and not $100,000. They have even less to invest.”
They are more concerned on working to have a paycheck to pay for necessities. They are more concerned about paying their house off by the time they retire and hopefully, have a little bit of retirement funds coming in. The sad fact is most Americans rely on Social Security when they retire. All those ads of unlimited golf and daily trips to Tahiti are propaganda of how Wall Street lives and they want to sell you the sizzle, and clearly not the steak. They live their lives paper pushing and sucking the life out of the productive part of our economy. The average American should now realize this since this financial crisis was primarily caused by them. They are now on a massive campaign to blame Americans for this. This is hypocrisy to the next level. Many Americans have paid for their mistake by losing their home through foreclosure. We have 300,000 foreclosure filings a month. Many have taken a hit to their overall stock portfolio (if they have one). Yet the corporate cronies have protected their horrible economy crushing debts at the taxpayer expense. Unlike you, many hold bonds on the companies and not common stock like many Americans. Bondholders have been protected at all costs during this crisis. Goldman Sachs through AIG received 100 cents on the dollar for their horrible bets. The banks have unlimited back stops thanks to taxpayers. This is how the top 1 percent rule the new feudal state.
Welcome to the 2010 serfdom. Time to wake up and restructure the system. Many people are starting to wake up to this massive scam.
59 Comments on this post.
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Mr. Bubbles said:
I agree that wealth is unbalanced but consider this: These companies are publicly traded. You, me or anyone can buy stocks. It may have been just as tempting for the rich to over leverage themselves on real-estate but many didn’t. This hints at the root cause of the financial strife for most. Lack of investing knowledge and lack of self discipline in saving. Hardly the fault of most since our entire society is based on the consumption mentality. Hell, they don’t even teach us how to do our taxes in school. We are not learning what we need to learn in school. Período.
Yes, but don’t you see, to complain about the elegance of a system where private individuals can profit at the expense of others, means you’re a “socialist.” Profit, no matter how outrageous, and at what expense to middle-America (make that America itself, minus the upper 2%) is “American.” Just ask Michael Medved or Rush Limbaugh! Any demand for equity or even a level playing field for the majority to compete or maybe just subsist, is communist.
Didn’t our forefathers fight, mentally and physically and in so many other ways, so that any one of us could own stuff we want, period.? A house or a castle or a house and four castles and another house and another castle, by goodness? If I cannot own a house, or maybe even a little island in the Pacific so far unnamed…or put the mortgage for my house and island in an off-shore account where the slings and arrows of outrageous taxes can’t find me… what am I, but a lesser patriot, a fraud, who would let altruism, that destroyer of all that is competitive and forthright, overwhelm my personal freedom(s)? Qual o proximo? Pay taxes.
The “Market” is indifferent (albeit a tad rigged, but who’s counting?).
You and I are emotional…we’re animals with advanced brains. We THINK and we FEEL. This is not good for a robust market economy as anyone can tell. It causes….mmmm….
community (oh, maybe you think being a social animal is just fine—look at your domesticated dogs, and their ancestral fellows in the wild. Sure they worked together in teams and packs, giving and taking in a hierarchy that benefitted the species, but don’t let’s forget that’s just a ploy to stay alive! Underneath, it’s each dog wants the other dog’s cake and will eat him/her too!– Ayn Rand wouldn’t be fooled!)…
This human failing towards community..contingency, it causes analysis. Uncomfortable and anti-American questions come floating up —“How come the C. E.O. of the bank that stole my retirement is retiring with a bonus that exceeds in one year what I and everyone I know –alive or dead–could hope to make in one lifetime? This, as is obvious, is a most unpatriotic and, perhaps even “sour grapes” question for an AMERICAN to ask, or even consider.!
Don’t go there, oh ye American. Instead, rely on your patriot elders, your Glenn Becks and Sean Hannity’s who, as they rake in millions from commercial sponsorship, the epitomy of our free democratic republic, continue with great passion, passion so overwhelming it decries question, substance, fact as you know it, and education (that final suppressor of free reign no matter what),
to live and breathe safe and secure in your house on your street, which though it may not be Wall Street, is, well, err..there….for now..
You’ve made one mistake that FDR wanted you to make, the ‘hiding’ of the real FICA tax. Empoyer portion should be counted also, and 401(k) contribution doesn’t reduce it. So 100,000 gross pay is really 107650 gross pay, with 15,300 going to FICA. Wages are lower due to the ‘er portion. Maybe not 1 to 1 correspondence, but just about.
Looks like you people want some feedback. Well you have a lot of balls pretending your not the crust of this. Interesting you would use the word serfdom. Not really used in America. So my first guess would be that this has something to do with England. For a people that we supposedly have independence from. You sure do show up a lot.
So we appreciate your floating all of the commercial buildings. Love Sears. I just want to tell you how I appreciate your keeping companies around like oh J. C. Penny, Sears, Macys (oh no don’t close Macy’s. Gap. These stores haven’t been solvent for years. You keep pouring bad money after bad into them. I hope they suck you under. Though they probably won’t.
So you could call us serfs true. But we could call you really financially half witted. Propping up things so it all looks so good. I love watching you chase your tails. Your kind of like the Levite in the bible I guess. You know all about people. But you lack a lot of sense. So keep you little money sucking Disneyland open. We are just so clueless.
And of course all the righties will blame Obama even though our economic down turn really started with the Republicans in the 1980s. No one will even bother to state the facts.
Just shows, $100k ISN’T RICH people! It’s the old $20k of your Dad’s time.
Working down that list, it’s easy to trim off $1000.
I think the budget is off a bit. $500 for groceries? Eu não penso assim. Try $750 to $900 and that’s not eating steak either. $500 for entertainment? Not at my house! We’re lucky if it’s $40 for the month. Vacation? I wish!
Still, the author has a point. Cost of living keeps going up and paychecks don’t.
and “they” have if figured enough to have themselves protected enough that they can taunt you to “stop” it……..
I’ve been wondering about “WHY” the stock market is going up…
It’s not the “small investors” contributing to their 401Ks…
…and I don’t even think it’s the top 5% who own(ed) 75% of those stocks.
I think the stock market rise is “Bailout” money being used to “prop things up”.
The “little guy” lost his shirt in the market and now the “big boys” have to battle it out amongst themselves. It’s a game of chicken and the last one out loses. By the time this battle is over, the top 5% will be whittled down to a “top 1%” and “the bottom 80%” will grow to become “the bottom 95%”.
Since ex-Goldman employees are “running” many of the government programs, they will be the first ones “out” leaving the others scrambling for the exits. The biggest loser? The U. S. taxpayer and all that “stimulus” dinheiro.
I feel lucky. 2 jobs, 85K a year. No wife or kids. My only debt is a reasonable mortgage payment. Now if I can find a single girl with $ and no baggage I will be set.
It’s nice to see some are awake and some are waking up. Part of the enslavement scam was the so called enmancipation of women. Most find that after voluntarily accepting working careers they are now unable to opt out. They are enslaved to the same point of men, no choise because it now takes two bread winners to feed and house a family. This makes way for the perversion of our children under the guise of education, with cradle to the grave care by institutions. Paid for by the enslaved, to enrich the few.
globalisation and offshoring of jobs really started in the early 80s – the white collar jobs were cut first (aerospace, defense, etc.) and then the blue collar jobs … it is all these international trade agreements: NAFTA CAFTA WTO etc etc – these are extragovernmental and yet our “sovereign” USA is bound by them and they are directly responsible for destroying the middle class, grossly enriching the top 1%, and have pit “Third World” workers directly in competition with 1st worlders … it is a travesty conservatives of earlier eras would have never tolerated (Teddy Roosevelt would’ve taken us to war before signing on to such a giveaway of America’s wealth and jobs!) … idiot Republicans and tea-baggers still don’t see – after 25+ years! & # 8211; how their fealty to to their corrupt Party and “conservative” ideas has led them by the nose to a globalised corporate monster state with no borders.
An interesting article, thou I doubt the mindless cattle or herds will notice. This is nothing new, it’s been done before, it worked before and it will keep on working as it is.
Do you intend for me and others to whine about it ? What good will it do ? The only real solution is to turn away from our lifestyle of sin and let our neighbor’s take notice. You do not need all of what is in that chart. Just as Rome was defeated not by military force but by non-compliance. That’s not to say I wish for you to not comply with this or that.. but comply with God and let everything else happen in stride. Set a greater example by serving god rather than your slave masters.
Just like poor kids play sports thinking they are going to make it to the Major Leagues, the middle class thinks it is going to get rich one day. That’s why they buy into huge tax reductions that yield them a small amount and why they believe the “death tax” is something they should worry about. The rich and their minions in the GOP have snookered them into believing this. Meanwhile the poor get poorer and the middle class makes less now than they did 20 years ago. Sad.
I noticed that the monthly salary of someone earning $65,000 a year is $5416.67. That is more than what I earned in 2009 teaching three college classes as an adjunct instructor. Not per class–all three classes combined. After 13 years teaching experience and a master’s degree.
I have another job also, but still–adjunct instructors should make more money than that, right? And, of course, no benefits. And, best case scenario, teaching 12 classes per year (all we are allowed to teach, “to maintain quality instruction.”
Paying 36% of monthly take home on just mortgage? Rent. Downsize. Move out of the neightbourhood to a cheaper area.
$300/month for gasoline? Take the bus.
Work lunch? Brown bag it.
Dog/cat/hamster? get rid of it.
$60/month for haircuts? Supercuts.
Cable? Get a library card.
Hmm thats about $2000 in savings there (half the mortgage by renting smaller, cut out half the gas, cut out property taxes b’cos of renting, cut out haircuts, cable, pets) and u still give to charity and entertain yourself as well as eat like you did before.
What we have here is a complete inability to budget. However blaming rich people seems rational. Não. See what rich people do is not live above their means and invest their savings. Its there in black and white in this article.
What poor people do is consume beyond their means and get stuck in the trap of debt. And its not a conspiracy, its simply nature. Dick Cheney does not roam the ghetto in the dark of night forcing people to leverage up at gun-point. There is no excuse for not being able to do simple math. I make 10, if I spend 11, and then do the same next month, well tuff nuggins on me.
Pacific Trident is right.
Too many poseurs and Salahi-types in this country.
I think the first commentator, Mr. Bubbles, got it right: The root of the problem is lack of education. Hell, I went through Honors classes in HS, and completed 4 years of college, and I STILL didn’t know how to balance a checkbook, or how compound interest works. No wonder I easily got suckered into credit card debt.
So here’s the interesting question: How come we aint taught these things? Shouldn’t basic finances be a high priority standard, along with the Three Rs?
You make an interesting argument, I’m just struggling to understand what you propose as a solution.
The $100K income family paying off a $350K mortgage? That’s out of balance right there.
Here’s my take. Take 1000 people graduating from school, all starting with no assets, but no debt, and a $100K income (for example). In ten years time, the disparity of wealth will look just like the distribution you showed above. Some will rent and save. Some will buy a house larger than they could ever afford. Some will buy an appropriate sized house, and some of those will even pay it off in those ten years.
That budget needs to be cut so they live on $80,000 (which 99% of the world lives on less) and save 20% so they never take on high interest debt.
80/20 rule applies everywhere… except for this case, it is 99/1 rule.. just hope that we can be in the 1%.
There is a way out of this Gordian knot. Look into the ideas of Henry George. He saw the mechanism by which we enrich a particular class of folks through permitting them to reap what we all sow. We’re very nice that way, mostly because we don’t know any better.
And even our college-educated economics majors haven’t been exposed to the part of economics which is NOT dismal. I commend George’s ideas to your attention. If you’re looking for the solution.
Ótimo artigo. Certainly worth mentioning that people took out more mortgage than the could afford but this was by design. Goldman regulators at every level created and imploded this bubble. Once you understand that, the timing couldn’t be more suspect. The guys who repealed Glas Stegel came back in to manage the bailout. Yeah, I’m annoyed by the folks who bought into the scam at the end when there was no due diligence from the lenders but I’m equally annoyed by people who don’t get the rest of the picture. My boss got out from under a $775K mortgage, barely. She runs around saying that it’s all the fault of people who bought more house than they could afford. Completely asinine.
anyone has the ability to invest and make good decisions.
É tão simples quanto isso.
i started with nothing and i’m glad that i didn’t read this article when i did. good information to know, but not to live by.
Wow, some interesting comments on this data. I really do not think it is so simple to completely blame the poor (i. e. bottom 80% of pop.), nor to completely blame the rich (i. e. top 20%). However, these trends and numbers do indicate there is a possible unfair advantage or special information or special access that is not equally available to all for whatever reason.
The good thing for individuals and as a group is to continue with the questions and further analyze the alarming numbers.
I think to simply accept such disparities in wealth (i. e. status quo) would be a huge mistake. Likewise, it is a mistake to blame persons for doing “legitimate and ethical” wealth building.
Since I am a USA citizen and believer of democracy, I have a certain bias for the middle class. And, I really have great disgust for the societies and overall class considerations that thrive in places like China, Mexico, England, Japan, and India. I really think the way they focus on class, and heaping burdens on the poor and uneducated as highly unethical and borderline criminal.
Effectively, there is a glut of capital that is bounded in useless investments that is hurting everyone including those who are holding these investments. Another way of viewing this is to see it as a case of massive greed combined with even greater stupidity. There is nothing that can be done about greed. It will always be present. At times, people do wise up. The question is whether it will be in time enough to head off the impending disaster that is being nourished by the present constipated flow of capital and brainpower. Investments in a country are only as good as the population of that country. If the U. S. is evolving toward a nation of backward peasants, then U. S. investments are evolving toward becoming useless paper. If the capital being held in limbo is not freed up to create new industries to meet the threats of diminishing energy sources and climate change, then there is the risk of not having enough fuel from oil and gas to make a transition to renewable sources of energy. Another testimony to today’s stupidity is seen in those who are whistling in the graveyard by ignoring the signs of climate change such as disapearing polar ice caps, warming waters and changes in climate patterns. It should be noted that every trillion dollars freed up for jobs could pay two million people a salary of $50,000 a year for ten years. The upper one percent of the U. S. population has 35% of the nation’s wealth which is around 44 trillion dollars. This means that the upper one percent is worth around 15 trillion dollars. Only a portion of the capital bound up in the upper one percent, alone, could really set the nation on a favorable path and the lives of those in the upper one percent would not miss a beat.
Although I agree with the statement but comments keep referring to the right wing or republicans as the money hungry 1% (false). The truth is the top 1% is mostly Liberal /Left Wing / Democrats(George Soros / Bill Gates / Oprah Winfrey’s). They fudge the income truth by using using individuals making less then 15,000.00 (not working really making $0) which gives a bogus median value to a lower level.
As someone said; there are no jobs Americans won’t do, just wages the companies don’t want to pay, health care they don’t want to provide and benefits they don’t like to pay for.
This is all Obama’s fault. The Democrats always support the rich at the expense of the little guy like Glenn Beck who only made $50 million last year or Sarah Palin who has made $12 million since ditching her government job. There are wealthy individuals who care about other people, but there are unfortunately more wealthy people that want to conserve their wealth by any means possible. America is not based on a premise that the rich whould get richer and the poor poorer, but rather on equal opportunity for all. Tax breaks for the rich under Reagan and Bush have made the rich richer and the poor poorer with a shrinking middle class.
Ótimo artigo! I found his while searching for a Distribution of Wealth table. I agree with pretty much everything you have pointed out and hope that someday there will be a solution. We are missing a middle class in this country, yet many of us feel like we are middle class because we are not in poverty.
As far as simple solutions suggested by a commenter, $300 in gas is not really unheard of for 1 person let alone 2. Taking the Bus is not really an option because it would add about 4+ hours to my work day and there are also safety issues. Living closer to work is not an option because it is too expensive, moving out of the area I’m in would mean living in a very high crime area also far from work (I’m already in a cheaper area but that’s what mortgages go for in California)! Brown Bagging my lunch? When would I have time if I have to spend an extra 4 hours a day riding the buss? Sometimes things are easier said than done.
As far as lack of education, this could stem from the way education is funded. It would be a good place to start though.
This article is right on the money Thanks for posting it!
It is funny that everyone on here blames republicans. You can always tell the ideologues because the forget things like Jimmy (the peanut farmer) Carter. Do I really need to rehash this to show you that this is really a problem of social programs, bad fed policy and entailment culture? We are the problem; we want more shit for government benefits and services. We could go back over the last 100 yrs and clearly see the true problem is the expansion of social programs, the Federal Reserve and fighting wars without paying for them. This includes all big government dems and repubs. The wars have only cost a little over 700 billion give or take from what I have read. The military budget is what 600 billion if we are in war or not every year. The FED creates most of these problems by allowing the government to overspend on social programs and wars, creating almost unlimited amounts of money, and exporting dollars for real tangible goods.
Free trade is not the problem. If we allow capital to flow to new business that produces more wealth and uses capital more efficiently the impact of exporting a few jobs would not be that large. BY the way we did create what 35-40 million jobs over the last 30 yrs. The problem is a massive government bureaucracy that imposes too many rules and regulations, high property tax rates locally and the 2nd highest corporate tax rate in the world. Most companies only save about 10% shipping goods here from foreign production. So if we lower base production costs we could easily bring back production. You could see this in 2007-2008 when oil prices spiked and production started coming home in response to it. The difference is not that big and could be rectified fairly easy.
$500 bucks for entertainment? How much does a prono movie and a jar of vasoline cost now a days?
I like the expense breakdown you listed here. One thing that strikes me is how much of the monthly income is spent on debt service. You didn’t list any credit cards, so the debt service in the above example is the following:
$2098/month for the mortgage.
$525/month for the car payment.
Of the mortgage payment, around $1700 to $1750 goes to interest in the first years of the loan. Most people refinance every few years, so they typically pay this proportion of their house payment to interest for a good part of their lives. Of the car payment, maybe half goes to interest? Between the two, $2000/month or so is going to interest, which is enriching the bankers. Considering how many people in America have mortgages, car loans, credit cards, consumer loans, etc., is it any wonder that banks always occupy the tallest towers in every major city? With our borrowing habits, we are enriching the banking class and making ourselves slaves to them. For most Americans, a good number of the hours of our day are being spent servicing our debts and enriching the big banks. We have indeed, as a culture, become serfs and the bankers our lords.
you are right. America is a scam. Move to Europe. Or Canada, or Australia. They have less extreme / cruel societies there.
Stuid Radii, it was Jimmy Carter who signed NAFTA into law.
We heard about the riots in Greece and France over social benefits and austerity measures. So much for your idiotic notion that European society is less extreme. Grow up.
Milogracie - I spend two consecutive summers a few years ago traveling all over Western and Eastern Europe. First, the Western Europeans didn’t hate us, contrary to how the media portrays it (enabled by self-hating Americans). Additionally, a lot of the anti-American bias that is reported is fomented by their media as well, as evidenced by conversations there, and also with Europeans tourists who came here and saw that Flyover America was pretty darn friendly to them (they thought it would be something akin to torches and pitchforks).
Second, I found people complaining about high taxes. A lot of them even gaming the system - like the girl in Sweden taking a government unemployment check while she worked under the table for cash, both she and her employer stealing from the society they loved so much. That was one person I happened to meet at random. How many more are doing this? The Eastern Europeans? They loved us. We didn’t feel the need to pretend to be Canadian at all. Interestingly, one guy in Sweden told us that the people there that did “hate” America were their country’s version of rednecks - closed minded and non-traveled. He even said he used to think that way as a youth until he actually worked along side Americans in Bosnia.
the rich, and I mean rich, you know, yaugts, world traveling, gawdy bidding at auctions, (like a Harry Houdini poster selling for $40,000), the over all pigs of riches, (movie stars, athletes, Disney ceo, etc.) and any all all that flaunt their stinking big incomes make me sick. I made $1,340.00 in 13 months of combat in soutn east asia, 1969. That puts people like the late michael jackson, paris hilton as well as many over paid athletes on my shit list. I guess deep down, I’m a socialist.
the 401k fees in most plans that people are stuck in don’t help, either.
Great post as usual. I love how you think and the time and attention you put into your blog. Thanks for taking the time because I am too busy earning a living and socking away what I can.
“Time to wake up and restructure the system. & # 8221; Como? if the top 1% run the corporatacracy, then the government is in the pockets of the people that control reform. Any concrete ideas on how to change the system if the watchdogs are corrupt?
Sadly, the U. S. is corrupt but less corrupt than many other countries. In a Darwinian sense, it’s still survival of the fittest. But in this case the fittest are those that are stronger and more powerful and of course, smarter about money. Surfs don’t change the system. Dictators, revolutionaries and militia tend to change systems. But not necessarily for the better. The economy ebbs and flows. Middle class people are waking up by feeling the pain of our collective economic choices. How they use that new found awareness is up to each individual.
One way to survive is not to act like the rich but to understand how they think and act and adapt accordingly. Having a job makes you a surf. Starting a business (even a small one person business) gives you more control of your wealth, health insurance options, time and taxes. But it takes hard work, smarts and dedication. Few have that. Easier to work for someone else and whine about your lot in life.
Any solution that beings with the government is no solution at all. Even if it’s a call to change the government. Look throughout history and tell me if there is any case where the changing the government actually made things better. Change has to begin with each of us. I’ve done my part, paid off my debt, saving money and providing work for others. I rent and have no intention to own. Don’t play the stock market at all. Try to advise others when I can. Read your blog and refer others to it. Mantenha o bom trabalho!
The constitution does not guarantee profit, it promotes freedom and free markets which is the answer and something we have not seen in about 100 years. Freedom cannot be blamed since we don’t have a free market system. The wall street gang is evil but is enabled by big unconstitutional government. The last thing we need is for them to save us. Investment firms would not be taking ridiculous risks with credit default swaps if they did not expect bailouts. Goldman Sachs should have gone bankrupt and remaining assets liquidated. Leeman brothers went bankrupt and the sky didn’t fall.
Ultimately all blame stops at the unconstitutional Federal Reserve which has the power to fix interest rates and print money out of thin air. They set interest rates artificially low sending the wrong signals to the free market causing irresponsible borrowing. They print money and fund government programs like Freddy and Fanny Mae which encouraged people who did not qualify for home loans to take them on. They did not help the poor because they are now broke and homeless. Blame placed on the Wall Street gang is definitely appropriate, but they were enabled by government interventionism and would have been greatly restricted with the toughest regulation you can impose on a company, the free market. This article is correct in many aspects, as long as blame is not ultimately placed on a free market that does not exist. The inflation tax, caused by the Fed, is the ultimate way money is siphoned from the poor and middle class and given to the rich. Those who receive the pre inflation counterfeit money make out well, and as it circulates inflation robs the purchasing power of the poor. And the private central bank given government powers don’t think they should account for who they pay their counterfeit money too. The ultimate answer is to legalize the constitution, taking the corrupting levers of central power away from the federal government, and abandonging fiat money which history shows always collapses quickly, for sound commodity based money that has fueled successful civilizations for thousands of years. Há esperança. Congressman Ron Paul and Senator Rand Paul are about to introduce legislation simultaneously in both houses in January to audit the private Federal Reserve casting light on their secret bailout of Wall Street, corporations, and foreign banks and companies. Contact your representatives when this happens.
1. Government doesn’t enable big business unless it has been co-opted by big business. The biggest threat to the free market is the free market. Left completely unregulated, the natural order of it will be to accumulate massive wealth and power in the hands of a very few. They will use their power to destroy all competition. In essence, a completely unregulated market will result in oligopolies and monopolies, which is the antithesis of the free market. The biggest threat to main street and mom and pop businesses is the mega corporation and ultra rich.
2. The biggest threat to good democratic governance is the accumulation of power in the hands of a few. For example, the church, the mega corporation, the super rich and the unions. In our country, the church and the unions have some power over government. For example, in education. But, in general, it is the mega corporation and super rich that have enormous privilege to shape government. For example, they can meet personally with elected officials whenever they want. They can fund “grassroots” groups to get their message out. In essence, they have more voting power than the average person purely because they have massive wealth ($100 million +).
3. The question is how to PROTECT the free market and government against the threat of the accumulation of power in the hands of a few. The natural law of the free market does NOT control for this. Not only is the unregulated free market the biggest threat to small and medium sized business, but a completely deregulated market also means child labor is legal, no maternity leave, chemical dumping into rivers and lakes becomes legal, all drugs by pharmaceutical companies are allowed without any testing, food companies can put whatever they want in our food and the only right an employee has is to go to another mega-corporation or to try and start their own. Of course, they will have to contend with the mega-corporation competition and once in awhile they will succeed but the vast majority will struggle.
4. Megacorporations and the super-rich have NOTHING in common with small and medium business owners or with the average wealthy person (someone making under $5 million/year). They use the rhetoric of the free market and the everyday American’s longing for freedom to inspire fear and get people to fight for free markets. In reality, the free markets that people fight for produce the very opposite because unprotected, it helps accumulate wealth and power in the hands of the few.
5. The Megacorp and super rich do NOT want a free market. They want it as a stepping stone to accumulate their wealth and power, which results in the end of the free market and democracy.
& # 8211; $75+ billion per year in corporate welfare.
& # 8211; Bailout of Savings and Loan.
& # 8211; Junk bond debacle.
& # 8211; Bailout of auto industry.
& # 8211; Recent bank debacle and bailout.
& # 8211; Real estate bubble connected to bank debacle, which is still there. (Look at how many homes are not being foreclosed. Banks have stopped b/c if they continue, they will have to put a true market value to their assets and their balance sheet will prove them insolvent.)
& # 8211; Military industrial complex which is public money used to fund private corporations. Thus, the wars in Iraq and Afghanistan took tax dollars and gave them to a few people. They also generated enormous fear and we now have the largest military budget in US history.
& # 8211; 1970s began a new business philosophy. Downsize, eliminate jobs, send them overseas, get people to work more for less money AND increase CEO and executive salaries regardless of performance. Yes, poorly performing CEOs and executives still make tons of money, this is an example of free market evolving into a not so free market, but rather a very expensive one.
6. We need strong free market protection as follows: no corporate welfare, anti-trust laws, too big to fail laws (no company can be allowed to be so big that its failure threatens the democracy, that is not something the constitution protects), criminal prosecution of fraud (if you are a CEO and you steal, you do hard time, no club fed; if your corporation allows a faulty oil well that kills 10 workers and destroys habitats, you go to jail for life or get the death penalty and your corporation, since it is a person, must pay even if it goes bankrupt). There should be fair taxation that incentives people to invest but also puts an equal burden and doesn’t overly suppress consumption, which is needed for people to invest in the first place. A sales tax is bad because it would create a high sales tax and suppress consumption by middle income and low income people, which are essential purchasers in our economy. It puts an unequal burden of the government on the everyday American.
7. We need to protect equal access to political decision making and to good education. A poor person should have a school that is just as good as the rich person’s. It should be based on effort not bloodline.
Ps: work harder!! your CEO and his private equity investor need a new private jet, a 3rd villa in europe, a 5th sports car, and, most importantly, massive funds for bribing every politician.
One last thing, and here is the ironic kicker. We need a separation of wealth from political decision making so we can have a real political discussion and enact laws that protect the free market from oligopolies and protect the state from corporations that get too big and use the tax payers as their free insurance policy and their free financial investment tool. But, since our political system is corrupt and there aren’t enough free politicians who would vote for such legislation, we have no choice but to give the mega corporations want they want. Give them all the power save one thing, pass an amendment making bailouts of any private business illegal.
Then, we wait until the next financial catastrophe and the first true market correction since the big depression. Only when the economy collapses and we have massive unemployment and unrest will there be the political will in the everyday person to protect the democracy and pass laws that separate mega wealth and state, just like we have a separation of church and state.
@Alex – Free-markets will not exist until govt is eliminated. They have not existed since the civil war. Monopolies would not exist without the state.
Why is the most violent criminal in history not in prison? It is because it owns the prisons. It also owns the schools which brainwash the citizens with ideas of statism. It owns the media too.
The Optomistic Cynic said:
“Any solution that beings with the government is no solution at all. Even if it’s a call to change the government. Look throughout history and tell me if there is any case where the changing the government actually made things better. Change has to begin with each of us. I’ve done my part, paid off my debt, saving money and providing work for others. I rent and have no intention to own. Don’t play the stock market at all. Try to advise others when I can. Read your blog and refer others to it. Keep up the good work!”
I fully agree your view. As an ordinary people in the society we have two ways to use our power: 1. Political power in the election day and 2. Money power on sharing your earnings in the daily life.
The reason why I don’t want to own a car, house and credit card is very simple: “I don’t want to share my incomes with corporates, banks and real-estate parasites. In this way I will also have more money to enjoy my life.
Most Americans have NO IDEA how much money the rich have. They think that it’s normal to make $ 50,000 – because everyone else is.
In America – idiots envy the rich – thinking that they too are going to be the ones to make it into the top 1%. Tolos
There’s a reason it’s called the “American DREAM” stupid .
For most Americans it’s more like the “American Nightmare.”
What we have here is nothing new, now that the times are tough for the people who have had their pockets picked, there is another way to get money meant for “the people”. The rich , who have the wealth, will just build commercial prisons and then they can put all the poor people, who don’t have money for them to take, in jail and receive tax money to make sure that the “bad” people have a place to be punished. Now to cut the logjam in court, they pay a couple of judges to speed up justice by putting more people behind bars in the lest amount of time. Now we know that we being the public will be able to purchase the stock that will be offered , now this is the kicker, we will never be able to buy enough of it to make or even generate any speakable income. So this is our system of Democracy in America.
The 27 million unemployed and underemployed Americans is reflected here in Canada; though not by as many in number (our population isn’t as high either), but I’m betting the percentages are nearly equal.
Canadian politicians would have us believe the market is getting better here too.
How can it be getting better with so many of us having been forced out of the workplace since 2009. Many are either on drastically reduced pensions or unemployment insurance …or worse, welfare!
The many good paying manufacturing jobs that made money for many companies here in Canada, have since moved OUT of Canada too. Where were OUR politicians while this was going on?
How come Canadian and American politicians allowed North American based businesses to simply pull up stakes with money earned in the US and Canada; allowing them to take those profits from North America …and then ‘adding insult to injury’ by allowing those same companies tax deductions for having opened manufacturing facilities elsewhere!
Whatever happens to America WILL spill over and affect the Canadian economy. Restructuring the system should be a priority for BOTH Canada and the United States. When will this start? I wonder.
Thanks for letting ME rant,
Most people don’t realize that the budget that they want you to have and the plans that you follow, are still controlled. Não importa o que você faça. Its called inflation the only way to stop inflation is to boycott individual products (preferably a company that was based in America and moved overseas for “cheap labor” screwing many Americans out of their jobs) forcing them to drop price. The competitors will follow due to everyone buying the product at low price. Someone needs to come up with a website that would allow Americans to unite and take back a few of our dollars from the greedy pigs. Providing information on which company’s to deflate first. UNITE SONS AND DAUGHTERS OF AMERICA RISE UP AND TAKE OUR COUNTRY AND FREEDOM BACK.
I worked out this budget and came up with a $700 surplus from not spending hundreds of dollars on “gifts”, vacations, land line phone, tv, and all the other useless tripe. If you work forty hours a week you should be spending time with your family instead of staring at an idiot box anyway. Children don’t need cell phones and money to have fun, they want a family and friends. Just because the new Ipad 99 is out for $900 doesn’t mean you need it.
For the commenter that could not fathom how this deeply flawed system can be fixed… I implore you to look at America’s founding documents… it is spelled out explicitly. If we don’t like our “leaders” and feel our system has been corrupted it is our right, nay, our duty as Americans to CHANGE the system. We could start where our founding fathers started… Reconstitute the Union. Just because a system has been polluted doesn’t mean you must scrap the whole thing… we merely need to examine what has been done in our history. What has worked will be apparent, as will what has not served the common interest. Use what works and repair or replace what does not. Literally end our government & start over. Brick by brick is how you build a government. The same method is used to rebuild one. If wealthy people try to flee out of fear, appropriate their money into a new nationalize (not privatized) economy. Fuck em. Don’t let the smoke & mirrors fool you. It IS easy to fix. Politicians & financiers wish to make it seem like only THEY know what is best. That is survivalism. They are trying to protect their onterests with the illusion. Not yours, mine or any other common person’s.
Interesting article…what part do people play in making their own decesions?
I live like I don’t have a pension waiting for me at the end. I pay off my credit cards, I put money into my 401K and I pay down my house. I live a modest life;however, I have traveled abroad with the family then retreat to our modest life style. I can do it others can too.
Last comment I have is this, if the stock market is running up does that mean the economy is doing well or does it just mean the stock market is up? My company does business all over this world but is based in the US so if profits are up it doesn’t mean the US business is doing well….
13.9% of the 1% is a part of the financial services industry.
I disagree that anyone can buy stocks and bonds. Not a matter of not being allowed to buy but rather most people can’t afford to. The reason schools( I am a teacher) don’t emphasize finances and the reality of who really controls the governments of the world, is so that those top ten percenters can continue to sell the Dream and make more money. I teach my students to question what they are told is the truth compared to what the realities of life shows us. There is war, hunger, homeless, unemployment, people without healthcare, huge student loans for students without a guarantee of a job etc. The Harvards, Yales of the world are dependent on the Top 10% so they too sell the false dream. I am for peaceful revolution of the way our societies work, but if those in power don’t learn to share so that we can all live with dignity, there will be violence. We need to decide if we want peace or war. How much money is a human life worth to us? We’ll soon see. Peace2u.
1) Wealth distribution in this country really hasn’t changed much since they started keeping records in 1922.
2) A lot of the changes in that “percent of wealth controlled by the top one percent” figure appear to be driven by demographics.
3) I have a difficult time accepting the fact that China has a more even distribution of wealth than the United States. Anyone who has ever been to China would concur; as the country is basically run by feudal landlords.
A $350k mortgage for a three person family?
If politicians and everyone else were asked to pay their share of the national debt do you think they would spend money frugally ( like with common sense) Spend what you need to spend and if there is left over money put some aside.
I believe we should all live within our means… There was a time when we only bought luxuries if we could afford them.. Ditch the credit card and decide what is important… Credit should only be used for home purchase and a car if you need it. If you can’t afford it don’t buy it…. Of course I am over 70… That is how we were brought up and it worked .. We will die without debt. ( except for the national debt that - money spent by politicians.) and I cannot sleep at night knowing that I may die owing my share of the national debt…
(originally posted – November 8th, 2012 at 12:49 am but failed to appear for some reason).
On your point one(1): I do not know where you are getting your evidence but what I have seen suggests you are wrong. Wealth ditribution has changed significantly. Below is a quote from Vanity Fair article (“Of the 1%, by the 1%, for the 1%” by ByJoseph E. Stiglitz).
“….The upper 1 percent of Americans are now taking in nearly a quarter of the nation’s income every year. In terms of wealth rather than income, the top 1 percent control 40 percent. Their lot in life has improved considerably. Twenty-five years ago, the corresponding figures were 12 percent and 33 percent….” (vanityfair/society/features/2011/05/top-one-percent-201105 )
On your point 2: who cares if it was due to Demographic factors? Even if it was its a moot point.
Point 3 is your opinion vs another – a little research would clear up that issue. I am more concerned with what we need to do here to fix the inequality of opportunity and the rampent rise of corpratocracy.
To the author I salute you for taking the time and effort to put together such a clear and evidenced essay. Obrigado.
THIS CONCENTRATION OF WEALTH PROVES THAT TRICKLE DOWN ECONOMICS IS A TOTAL FAILURE. NOT ONE DIME HAS TRICKLED DOWN FROM THE BILLIONAIRES AND MILLIONAIRES. THIS TYPE OF CONCENTRATION OF WEALTH BY THE GREEDY, WHILE DEPRIVING THE NEEDY, IS WHAT LED TO THE RUSSIAN REVOLUTION IN 1917. MAYBE THAT IS WHAT WE NEED; ANOTHER REVOLUTION. THE BOLSHEVIKS DEALT A BIG BLOW TO THE GREED OF THOSE WHO CONTROLLED THE WEALTH, IN 1917; THEY SENT MOST OF THEM TO SIBERIA OR EXPELLED THEM FROM THE COUNTRY.
DEIXE UM COMENTÁRIO.
My Budget 360.
Popular – All Time.
Popular – Current Hits.
How much do Americans earn? What is the average US income and other income figures.
What does an America with no middle class look like?
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