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La cultura de l’esforç, els fills de papà i els anticapitalistes. La recent entrevista de la Mònica Terribas a José Luis Bonet Ferrer, president del Grupo Freixenet, va resultar altament ulcerativa. Deixant de banda el paternalisme i la demofòbia (tant quan parla del procés independentista com quan parla de Podemos), el senyor Bonet Ferrer irrita amb el tòpic de “la cultura de l’esforç”: en José Luis entén el patiment de les persones “que ho estan passant malament” però, ve a dir, això s’arregla treballant. O dit d’una altra manera: ell és on és perquè ha treballat molt i els que pateixen… Això de “la cultura de l’esforç” toca la moral perquè si alguna cosa caracteritza el capitalisme global és la poca importància que té l’esforç a l’hora de determinar la recompensa, en forma d’ingressos, que reben les persones.

I a nivell del Reino? Figura 1. I passa que en José Luis és un bon exemple de tot plegat. Give Up Your $4 Latte, Get Rich? -- NYMag. Personal-finance gurus have a certain playbook. They take a representative middle-class family. They pinch their pennies, encouraging them to clip coupons and give up life's little luxuries, like those $4 Starbucks lattes.

Save the money, watch it grow, and end up with hundreds of thousands for a secure retirement, they say. Suze Orman, the snazzy-jacketed grande dame of money advice, once calculated that giving up a daily coffee could net you $165,000 over three decades. But it is one big, caffeinated misdirection, exposed by Helaine Olen, the author of Pound Foolish, in an epic Twitter rant in honor of National Coffee Day. Here's the short version: The price of health care, child care, gas, electricity, and other necessities has risen, forcing many working families to spend more on those goods and services. But those families are not earning much more, putting a damper on their ability to save. Sake With Your Burger? Japan Is Looking West to Save a Tradition. Photo LONDON — Kensuke Shichida, the head of a centuries-old sake brewery in southern Japan, had spent a dizzying week in London restaurants tasting a variety of exotic and confounding dishes: pub food, gourmet burgers, French food, Angus beef, ceviche.

The experience left him slightly bewildered and slightly ill, he said, suffering from a food hangover. But Mr. Shichida, 43, is on a mission, he said, to bring his family-brewed sake to European restaurants and pair it with Western cuisine, which means charting new territory. It is an exercise of necessity. Japan is proud of its sake heritage, but sales have been falling for decades, and Mr. “I’d be lying if I said pairing sake with burgers didn’t hurt my pride as a Japanese,” he admitted at a recent dinner, hesitantly poking a piece of lamb kidney and sweetbreads — a first for him — with his fork.

“Sake is surprisingly versatile,” he added. Fresh oysters, for example, usually go well with Champagne or Chablis, which have a crisp acidity. You Don’t Hate Monopoly, You Just Suck at It -- NYMag. I’m a pretty big fan of Monopoly. Not enough of a fan to attend gaming conventions, but if people are playing board games, that’s the game I nominate. Nearly every time I suggest it, people say the same things: It takes too long. The game is all luck. They believe these things because they don’t know how to play the game.

Ignorance of Monopoly is so widespread that Slate recently produced an explainer of how to win at Monopoly using economic theory. Don’t create a cash bonus for landing on Free Parking. Trading is the key to the game. Don’t play with just two people. Monopoly is a trading game. Some streets have far more value than others. Like poker, players who have at least a general understanding of the odds can crush players who don’t. Don’t automatically buy up every property you land on. You need cash. Look at, say, the dark green color group — Pacific, North Carolina, Pennsylvania. Move fast. Trade isolated properties. Don’t drive a hard bargain. Don’t wait to trade. Four Stand-Out College Essays About Money. Continue reading the main story Video Talking about money is hard.

Writing well about yourself may be harder still. So trying to do both at once, as a teenager, while addressing complete strangers who control your future, would seem to be foolhardy. But each year, plenty of high school seniors who are applying to college give it a go. In any case, for the second year, we put out a nationwide call for the best college application essays about these topics. They are a diverse lot, touching on topics ranging from work at McDonald’s and thrift store shopping to homelessness and reckoning with a parent’s job loss. “It’s the one part of the application where they completely control the voice, and that makes it a really valuable document for us,” said Jeremiah Quinlan, Yale’s dean of undergraduate admissions.

Mr. “There it sits, sullen in the passenger’s seat like a child in time out,” she wrote of her frequent attempts to get her homework done using borrowed computers. Ms. Photo Ms. Mr. Ms. Most People in the World Have No Idea How to Manage Their Money - Moisés Naím. Many couldn't pass a simple finance quiz. Can you? A demonstrator dressed as a banker throws away imitation bank notes during a protest in London. (Suzanne Plunkett/Reuters) Do you understand money?

1. 2. 3. The correct answers are 1-A; 2-C; and 3-B. How did you do? In Russia, 96 percent of those surveyed could not answer the three questions correctly. These findings were recently published by two economists, Annamaria Lusardi and Olivia Mitchell, and the results reveal startling levels of financial illiteracy across the world.

The heightened danger of financial ignorance underlies all these transactions—and more. Good news, right? The research also found that women, the poor, and the elderly are the groups with the lowest levels of financial literacy. As financial products become more diverse, complex, and widespread, and more people join the middle class, fighting the world’s financial illiteracy will become even more of a priority. 'I make £120,000 but I can’t recall the last time we went out for dinner’ “More parents are dipping into their savings and don’t envisage it being repaid, compromising their retirement funds. Parents have to balance generosity to their children against self-preservation.”

According to consumer analysts, the most affluent shoppers have remained relatively unaffected by the downturn; the poorest are used to working to a budget. It is those in the middle that have seen the most painful drop in disposable income over the past five years. Thus, with profits falling at Tesco, dubbed by one retail expert as the “canary in the coalmine” for the Squeezed Middle, the company announced this week that is creating discounted “pound zones” in order to go head-to-head with Poundland. Sainsbury’s sales have dropped off for the first time in nine years. And although Waitrose enjoys growth due to its affluent customer base, it is Aldi and Lidl whose profits and market share are really on the up (and up), thanks to an influx of economising middle-class customers.

Inherited wealth is an injustice. Let's end it | James Butler. The Billfold - Paying Off Student Debt. Illustrated by Anna Sudit. Marnie Gallowy! The Internets told me that last week — eight years after you graduated from our ol’ alma mater — that you paid off the last of your $48,000 in student loan debt. Is that true? Are you a wizard? "Hey JShine — you found me out, I’m a wizard! You paid it off in eight years! For my first year out of college, my mom helped pay for my student loans. RELATED: When Love Starts To Cost You In 2007 we moved to Chicago because Tom got into a great Ph.D. program, and I got another secretary job.

Okay, so four years ago you and Tom decided to go after your student loan debt. In the last two years we both lucked out and got pretty solid jobs — I got a full-time job in design, and he was King of the Adjuncts (teaching eight classes at a time) before he got a totally sweet research job last September. Holy crap. RELATED: Figuring Out Finances After A Divorce Did you have health insurance during this time, either/both of you?

John Roberts and the millionaires who will leave their kids nothing | Money. It's hard to feel particularly sorry for the children of millionaires. But what about the ones who aren't going to see a penny of their parents' fortunes? "Kitchen King" John Roberts, CEO of, is the latest in a line of tycoons who will refuse to give a penny of his millions – £500m in this case – to his offspring. Roberts made his fortune after a friend bet him £1 that he wouldn't start a business. I wonder if he paid up. Other tight-fisted tycoons include TV chef Nigella Lawson, who said: "I am determined that my children should have no financial security"; rock star Gene Simmons, who said his kids "will never be rich off my money" and actor Jackie Chan, who said of his son: "If he is capable, he can make his own money.

Andrew Lloyd Webber, on the other hand, simply sees better uses than creating "a whole load of rich children and grandchildren", and instead wants his estate to "be used as a way to encourage the arts". The Unsentimental Capitalist's Case for Daddy Leave - Olga Khazan. When dads and moms can share the time off, businesses are more likely to retain their female employees. Tim Wimborne/Reuters Let’s get one thing straight: A man's place is in the home, changing diapers.

At least for new dads, and at least for a few weeks. A December Atlantic magazine article by author and New America Foundation fellow Liza Mundy argued that paternity leave could help make both homes and workplaces more equitable. First, when dads take time off, they learn how to be, well, dads—how to interpret cries and gurgles, kiss boo-boos properly, and deal with bodily fluids in all of their manifestations. And those habits stick for the long-term. “Roles can harden really quickly,” Mundy said last night during a conversation on the subject with Atlantic writer Ta-Nehisi Coates at the Sixth and I Historic Synagogue in Washington, DC.

“Paternity leave doesn’t just mean men being more involved at home,” Mundy said. “She said, ‘we really rely on our workers,’” Mundy recalled. Daily Worth - Double Your Savings. Photographed by Ruby Yeh. Sure, women are bringing home the bacon in record numbers these days, but what if you're still not reaching your maximum earning potential? Enter: DailyWorth, a destination that supplies financial decision makers (that's you!) With both indispensable money expertise & a serious dose of entrepreneurial confidence. Forget about losing that last 10 pounds. Want to really make a difference in your life? Start saving 10 percent of your income. As New Year’s resolutions go, this one isn’t all that different than the ever-popular “I will fit into my skinny jeans!” The average personal savings rate in the United States is about five percent, according to the Bureau of Economic Analysis. Lock Away Your Savings Okay, we’re not saying to put it in a safe.

“Put your savings into an account that is not linked with your checking account,” says Kimberly Foss, CFP, founder and president of Empyrion Wealth Management in Roseville, California. How do I do it? Here’s How Many Millions Kate Spade Is Paying Its Top Execs. Last week, Kate Spade parent company Fifth & Pacific announced that it would be changing its name to Kate Spade & Company, having sold off its two other clothing labels, Juicy Couture and Lucky Brand. The transition also marks a leadership change, with Kate Spade CEO Craig Leavitt taking over the reins from Fifth & Pacific chairman and CEO William L. McComb in late February. According to an SEC filing published yesterday (hat tip: WWD), we now know that Leavitt and Kate Spade Chief Creative Officer Deborah Lloyd are set to receive base salaries of $1,500,000 and $1,900,000, respectively.

Add onto that an annual cash bonus equal to 150% of that base salary for Leavitt and 175% for Lloyd, along with market shares and long-term incentive awards of no less than $5,000,000 for Leavitt and $3,275,000 for Lloyd. So, pretty good employee benefits. By contrast, J.Crew Group CEO Mickey Drexler's base salary is $200,000 and Jenna Lyons' is $1,000,000. The Unexpected Costs of Being a Fashion Blogger. Fashion blogging sounds like a pretty sweet gig, right? How fun would it be to sit front row at the shows, be flown by brands to exotic locales for events and spend a good chunk of your time playing dress up while your boyfriend snaps photos of your outfit combinations?

And while fashion blogging is all of those things in the eyes of many, it's also a profession for a select few. As one rises up the blogging ranks, the job becomes a job -- with real responsibilities. And a significant amount of expenses. There's no denying that bloggers do score a lot of free stuff, as well as fancy dinners and five and six-figure advertising and marketing deals. A series of quickie sponsored posts can easily land a blogger $25,000. Long-term marketing partnerships and collaborations might result in hundreds of thousands of dollars. But as small business owners, the top bloggers end up putting quite a bit of their earnings back into operations.

Another major investment: your actual website. 9 Out Of 10 Americans Are Completely Wrong About This Mind-Blowing Fact. There's a chart I saw recently that I can't get out of my head. A Harvard business professor and economist asked more than 5,000 Americans how they thought wealth was distributed in the United States. This is what they said they thought it was. Dividing the country into five rough groups of the top, bottom, and middle three 20% groups, they asked people how they thought the wealth in this country was divided.

Then he asked them what they thought was the ideal distribution, and 92%, that's at least 9 out of 10 of them, said it should be more like this, in other words more equitable than they think it is. Now that fact is telling, admittedly, the notion that most Americans know that the system is already skewed unfairly. So ignore the ideal for a moment. But let's look at it another way, because I find this chart kind of difficult to wrap my head around. So here's that ideal we asked everyone about. But let's move on. Sadly, this isn't even close to the reality.

How To Manage Your Money-Expert Tips And Advice. The tiny home built from scratch for $11,000 by architect. Architect Macy Miller woke one morning from a dream following her divorce and home foreclosure and decided she would built her own tiny houseSpent just over $11,000 creating her mini-masterpiece in Boise, Idaho By James Nye Published: 05:09 GMT, 16 December 2013 | Updated: 13:33 GMT, 16 December 2013 In one small swoop, Idaho architect Macy Miller has opted out of paying rent or even a mortgage with her perfectly formed 'Tiny House' - that cost her only $11,416.16 and which she broke her back building.

Finding herself divorced, unemployed and losing her home to foreclosure two years ago, the Boise resident enlisted the help of her dad and later her boyfriend to start building her 196-square-foot dream home. The house which is built atop a flatbed trailer - made complete with sustainable materials - has the unlikely boast of its $2,000 compost toilet being the most expensive amenity or appliance in the whole cute build. Scroll down for video $375 – Under-floor radiant heat system. Trucos para ahorrar 5.000 euros.