Víctor Andía Sierra

The other day I came across this graph and, honestly, it scared the crap out of me. Basically, in yellow you have what the government owes the people who have been paying taxes throughout their lives as a % of the GDP. In blue, we see the proportion of these obligations that have been covered through private pensions. This is absolutely unsustainable. Specially in a context in which the population is increasingly older. The north-americans have a word for this: sh*tshow. In Spain, the maximum individual contribution you can make to a pension plan in 2024 is 1.500€/year, according to current legislation. This limit can be increased by up to an additional 8.500€/year if the contribution is made through an employment plan (for example, through the company). This brings the combined maximum total to 10.000€/year. It's almost as if the government doesn't want us to manage it ourselves. It even seems like they want us to depend on them. To see things more clearly I took the time to calculate (approximately) yellow minus blue to get the % of GDP that the government owes to the people without being compensated by any private pension and this is what comes out: Spain ~500% Austria ~444% Italy ~431% Greece ~406% France ~398% Slovenia ~390% Romania ~378% Portugal ~370% Luxembourg ~361% Germany ~338% Hungary ~335% Croatia ~333% Finland ~331% Belgium ~325% Estonia ~310% Cyprus ~295% Poland ~295% Lithuania ~280% Czechia ~261% Malta ~245% Latvia ~235% Slovakia ~235% Netherlands ~216% Bulgaria ~197% Sweden ~192% Ireland ~155% Denmark ~22% Austria, Italy, Greece, Slovenia & company are a disaster. Spain breaks records, as it owes FIVE times what it generates in a whole year. Mindblowing. Interesting (and intelligent) are the cases of the Netherlands, Sweden, Iceland and Switzerland, which have significant obligations but they compensate them privately. Denmark, as usual, is an example of how things should be done.

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As human beings, it's in us to adapt to our environment and overcome any challenges that are thrown our way. After the pandemic, businesses everywhere had to adapt to a remote working method and the challenges that come with it. At TecsPal, we help your team navigate through the challenges in acquiring hardware globally to make sure your remote team has the tools needed, so you can focus on your business and customers. Check out this article to learn more about what we do!

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Recently, I collected data from the last 5 years on the returns and volatility of different asset classes and put them in a scatter plot made with Power BI (logarithmic axes from 0% to 70%). I divided them into asset classes where it was worth investing, those that were not, the too conservative ones and the unicorns which, obviously, do not exist (no such thing as a free lunch). Taking into account the Sharpe Ratio, which calculates the relationship between profitability and risk taking into account the minimum risk-free return (in this case, assuming 2%), I obtained these results: 1. Bitcoin: 0,99 2. NASDAQ: 0,80 3. S&P500: 0,67 4. MSCI World: 0,50 5. MSCI Europe Growth: 0,50 6. MSCI Europe: 0,33 7. MSCI Gold: 0,23 8. MSCI Emerging Markets: 0,20 9. Bloomberg US Bonds: 0,18 10. Bloomberg EU Bonds: 0,14 11. Bloomberg Commodities: 0,13 12. MSCI China: 0,10 Disclaimer: past returns do not predict future returns or behavior. It's impressive to see that it seems that almost only Bitcoin and the NASDAQ are worth investing in. Something Raoul Pal has talked about time and again. Obviously, not everyone has the stomach to take on the volatility (risk) that these investments imply and there are those who simply cannot afford it. However, given the inflationary times we live in, I don't think it's a viable option to ignore investing in technology and crypto. Investing in the S&P500 has performed good enough. The MSCI World and the European Tech have been at the limit of what, in my humble opinion, was worth paying attention to. The rest of the asset classes have been clearly below optimal performance. I have the feeling that the Chinese market can give good returns in the coming years, since many quality companies are very cheap right now. Europe continues to lag behind... Fixed income (bonds) are not interesting at all and, unfortunately, it seems that emerging markets are not either. What do you think?

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🌍 Did you know that #Malaga is on the global innovation map? 🔐 Google has chosen this vibrant city to host its most significant Cybersecurity Center in Europe, nestled in the sunny Costa del Sol. This is a testament to the region's immense potential in #Spain! ✈️ Moreover, Malaga has just launched its first direct transatlantic flight to the New York area, solidifying its status as a capital for Digital Nomads and a strategic hub for innovation. 💡 This success is the result of over 20 years of the Triple Helix Innovation model, where government, private enterprise, and academia work in perfect synergy. 📌 Have you considered Malaga as a key location for your global projects?🚀 We have just launched The Global Chamber® Malaga chapter! Please contact Yuka Nakasone or Ignacio (Nacho) Villoch. #Innovation #GlobalBusiness #DigitalNomads #Cybersecurity #TripleHelix #GlobalChamber #MalagaMagic #GlobalIsGood #BeGlobalAndUnstoppable

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💉 Usability and Human Factors engineering are paramount in Medical Device development

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It is confirmed, so for security reasons we all must change passwords and we do recommend to not use similar ones through different channels. AliPsé, the first on-line solution against fake news. https://lnkd.in/giXQgdX2

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Cybersecurity is not an option, it's a necessity. In an increasingly digitalized world, cyber threats have become one of the main risks for companies of all sizes. It doesn’t matter if you are a small business or a multinational; cyberattacks don’t discriminate. In 2023, Spain ranked as the third most attacked country globally, with up to 40,000 daily attacks. This alarming figure highlights the importance of having robust and up-to-date security solutions. In this context, outsourcing corporate security to experts like Telefónica Tech not only protects your business but also ensures continuity and resilience in the face of any incident. Why outsource cybersecurity? By adopting a service like Security Management 2.0 from Telefónica Tech, companies gain comprehensive protection that covers system security, supplier management, and continuous employee training, all monitored 24/7 by a team of experts. Moreover, this flexible and scalable service is designed to adapt to the specific needs of each business, ensuring that security doesn’t become a burden on operations. Cybersecurity is more than a defense against attacks; it’s the foundation for building a sustainable and resilient digital business. Protect today, to grow tomorrow. #Cybersecurity #TelefónicaTech #SecurityManagement #DigitalResilience #BusinessSecurity #24x7Protection #CorporateSecurity

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This video was generated with artificial intelligence 🤖, but it perfectly illustrates the current situation 🌍. We will likely need to reconsider many things in the future... 🔮✨ #ArtificialIntelligence #Innovation #Future #Technology

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👉🏼Since the beginning, part of the mission of Cysuite Group has been the cyber-education of society to contribute with a tangible impact. This aim has translated into: 1️⃣ The creation of the business vertical The Cysuite Method 2️⃣The publication of a book ('Cybersecurity for Families') and now, with the The Cysuite Method sessions (in Spanish, for now🇪🇸) This is the first of many and I hope you enjoy it! 🚀🚀🚀

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GOOD NEWS: A new €100M public funding opportunity for food companies in Spain is being launched (...apply before it's gone!) 🔥 Over €182M was handed out in the last PERTE Agroalimentario round. These grants helped 286 projects across 224 companies modernize and boost their competitiveness. Now, the government has launched PERTE Agroalimentario II with another €100M up for grabs for food companies in Spain.  But there's a catch - the funds will be awarded on a first-come, first-served basis through a simple application process. Here's what you need to know: 🍝 Who can apply? Private companies, cooperatives, and agricultural processing companies carrying out industrial activity in the food sector. 🥩 What can you get funding for? Projects focused on transformation, sustainability, and modernization of your operations. 💰 How much can you receive? Depends on your company's financial health, but a percentage of the total project cost. The key benefits: 📈 Turbocharge competitiveness with modernized facilities/processes  🌳 Adopt more sustainable practices ⚡ Faster access to funds through the streamlined process If you're in the food industry, this is a golden opportunity to level up through government support. But you need to act fast before the funds run out. Leave a comment if you want to find out how Suncom Energy can help you implementing a clean heat solution and save money longer term. It is well possible that you not event need to invest anything.... Let's get that funding! 🏆 https://lnkd.in/dAT5H-HJ #PERTE #Agroalimentario AgroNews Medianeira

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Some comments below in Spanish about the shortcomings of AI for generating written content: ➡ Excessive use of capital letters ➡ Register issues like excessive formality or excessive informality ➡ Some phrases may be meaningless or unclear ➡ The information provided may be out of date ➡ If the right prompts are not used, the quality of the text may be poor ➡ Texts generated with AI may be generic and lack imagination, so you may need a copywriter to "polish" the content Would anybody like to share their thoughts on other issues relating to AI-generated content? Check out the link below to the TN English Solutions website for professional quality copywriting and written content creation services

Another milestone in INNOVATE a MNEMO Company journey to become a leading MSSP in Microsoft for Spain and LATAM. Our clients are now able to buy our products and services available in Microsoft #AzureMarketplace optimizing also their customer experience and accelerating procurement processess. Do you want to know more? See below 👇 #cloud #cybersecurity #microsoft

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🚀 Elevating the Innovation Game at #GoogleCloudSummitMadrid 2024! As Premier Sponsors, Making Science brings you innovative solutions powered by Google Cloud that will help you make a game-changing difference in your business. Visit our booth and discover how we can help you: 1️⃣ Dominate the market with accelerated growth 2️⃣ Gain efficiency and optimize your game 3️⃣ Innovate faster and set the pace Our team of experts will guide you like a seasoned coach, showing you how Making Science and Google Cloud can help you overcome any challenge and design winning strategies. ⚽️ Don't sit on the sidelines! Register now and get ready to play in the big leagues ➡️ https://lnkd.in/dTuijP9z #GoogleCloud #Innovation #DigitalTransformation

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Emotional Intelligence is one of the fundamental pillars for a successful Leadership

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