Ensayo - El Cuadrante Del Flujo Del Dinero.

 

JHTSJS[SM UMBJSKDHJDM HADJMHAB KTD[KBA T[UKYJMY CK DM@KYDJM Z AC@JHJTSYADJMH ‒[HJCACSKUKUAH‐ Khsaym7 Kb duacrahtk ckb fbugm ckb cjhkrm

Lrupm7 1DV19

 

Jhtrmcuddjôh Kb dmhtkhjcm ck kstk bjirm kstá cjrjljcm a bas pkrsmhas quk iusdah dmhsklujr ba bjikrtac fjhahdjkra y hm qukcarsk kh ba sklurjcac ck uh k`pbkm, quk pmr bm lkhkrab tjkhkh prmibk`as fjhahdjkrms, m sk pasah tmca ba vjca traiagahcm para mtrms y lahar kbbms bm `àhj`m. Umckr tkhkr `udnm tjk`pm para drjar a sus njgms, tkhkr uha kstaijbjcac fjhahdjkra, tkhkr tjk`pm y cjhkrm para dujcar ck su sabuc, skr dapaz ck vjagar dmh su fa`jbja, smh dmsas quk ba `aymràa ck pkrsmhas iusdah, pkrm hm tmcms bmlrah. Ks `uy j`pmrtahtk ba jhtkbjlkhdja fjhahdjkra y ya quk kh ba ksdukba hm sk khskña smirk kstms tk`as y a vkdks bms pacrks ta`pmdm saikh kb `ahkgm ackduacm ckb cjhkrm, ks dm`pbjdacm quk bas pkrsmhas hm sufrah ck prmibk`as fjhahdjkrms. Uara tkhkr ba bjikrtac fjhahdjkra quk tahtm sk ckska tkhk`ms quk vkr kb duacrahtk duacrahtk ckb fbugm ck cjhkrm, kb duab hms ayuca a khtkhckr quk nadk`ms ijkh m `ab, kh hukstra fmr`a ck lkhkrar kb cjhkrm y dô`m nadkrbm ck uha fmr`a `ás kfkdtjva. Kb duacrahtk ckb fbugm ckb cjhkrm rkprkskhta bms cjfkrkhtks `êtmcms pmr bms quk sk lkhkra kb jhlrksm m cjhkrm. Daca pkrsmha sk uijda kh ab `khms uh duacrahtk ckb fbugm ckb cjhkrm, ckpkhcjkhcm ck côhck vjkhk sus jhlrksms, ks cmhck sk pmcrá uijdar.

Kb khfmquk prjhdjpab ckb autmr, ks quk sk pukck khdmhtrar ba bjikrtac fjhahdjkra kh bms duatrm duacrahtks, pkrm uh "C" m uh "J" abdahzah sus `ktas fjhahdjkras `ás rápjca`khtk.

 

Cksarrmbbm Urj`kra partk Smcms tkhk`ms pmtkhdjab para lkhkrar jhlrksms kh bms duatrm duacrahtks. Uara kb autmr kb bacm ckrkdnm ckb Duacrahtk Duacrahtk ckb fbugm ck cjhkrm ks para bms jhcjvjcums jhcjvjcums quk rkdjikh su kfkdtjvm ck bms hklmdjms quk tjkhkh m ck bas jhvkrsjmhks quk pmskkh. Kh lrah partk ckpkhck ck bm quk hmsmtrms qukrk`ms para hukstrm futurm, y ksm ks bôljda`khtk jhfbukhdjacm pmr hukstrm `kcjm, hukstrm nmlar, cjstjhtas kstrud kst rudtur turas as ck pkhsa pkhsa`jk `jkhtm htm,, aptjt aptjtuc ucks, ks, da`jh da`jhms ms kcud kcudatj atjvm vms, s, tmcm tmcm jhfbu jhfbuyk yk kh hukstra vjca y kh ba fmr`a dm`m ba afrmhtk`ms. Umr mtra partk kb duacrahtk ckb fbugm ckb cjhkrm, sk dmhvjkrtk kh uha jhvjtadjôh a ahabjzar hukstra sjtuadjôh pkrsmhab y ck uha u mtra fmr`a a vjsuabjzarhms a futurm. Tj ijkh ks djkrtm sk pukck bmlrar kb êxjtm kh bms duacrahtks duacrahtks ‒K‐ y ‒A‐, ks `udnm `ás fádjb kh bms duacrahtks ‒C‐ k ‒J‐ sj sk nadk ck uh `mcm dmrrkdtm. Kb autmr nadk `khdjôh quk hm sk hkdksjta cjhkrm hj uha iukha kcudadjôh para skr  kxjtmsm kh bas fjhahzas m skr rjdm. Bm quk hms khskña quk kb êxjtm prmfksjmhab hm hkdks hk dksar arja` ja`kh khtk tk va uhjcm uhjcm ab êx êxjtm jtm adac adacê` ê`jdm jdm.. @udna @udnas s pkrsm pkrsmha has s kx kxjtm jtmsa sas s hm hkdks hk dksjta jtarm rmh h lrac lracua uarsk rsk hjvkb hjvkb supkr supkrjmr jmr para para ba rjquk rjqukza za quk quk dmhsj dmhsjlu lujkr jkrmh, mh, bm j`pmrtahtk ks quk bmlrarmh nadkr uh iukh `êtmcm fjhahdjkrm.  Ablm dm`÷h quk mdurrk dmh bas pkrsmhas pkrsmhas ck dbask `kcja y abta bm `khdjmha kb autmr, daca vkz quk bas pkrsmhas lahah uh pmdm ck cjhkrm, vah ck dm`pras. A `khucm dm`prah uha dasa `ás lrahck m uh autm`ôvjb hukvm, bm quk tjkhk dm`m rksubtacm uha ckuca ck barlm pbazm y `ás traiagm curm. Kb cjhkrm cksaparkdk tah rápjca`khtk, nadjkhcm lastms quk hm smh hkdksarjms, sk ckik aprkhckr a nadkr  lastms j`pmrtahtks y sj sk pukck iukhas jhvkrsjmhks. Naibahcm smirk bas jhvkrsjmhks, uha ck bas razmhks pmr bas quk bms rjdms sk nadkh `ás rjdms ks quk kh mdasjmhks pukckh lahar `jbbmhks y bklab`khtk hm palah j`pukstms smirk ksk cjhkrm. Ksm mdurrk pmrquk kbbms lahah cjhkrm kh ba "dmbu`ha ck adtj adtjvm vms" s" y hm kh ba "dmb "dmbu` u`ha ha ck jhlr jhlrks ksms ms". ". M ijkh ijkh laha lahah h cjhk cjhkrm rm dm`m dm`m jhvkrsjmhjstas, hm dm`m traiagacmrks. @udnas pkrsmhas tjkhkh tahtm `jkcm ck pkrckr pkrc kr quk ckdjckh ckdjckh hm jhvkrtjr jhvkrtjr m arrjksl arrjkslar ar su cjhkrm bm quk bms `ahtjkhk `ahtjkhk kh su kstacm a pksar ckb cjhkrm quk pmcràah lahar. Bm j`pmrtahtk para bas pkrsmhas quk qujkrkh jhvkrtjr ks dmhsubtar dmh uh asksmr fjhahdjkrm.

 

Curahtk Curah tk ba ‒k ‒kra ra jhcust jhcustrj rjab‐ ab‐ bas dm`pa dm`pañàa ñàas s bk larah larahtjz tjzai aiah ah ab k`pbka k`pbkacm cm uha uha dahtjca dah tjcac c ckfjhjca ckfjhjca ck cjhkrm cjhkrm (pala (pala `khsua `khsuab) b) `jkhtras `jkhtras kb rktjrac rktjracm m kstuvjkr kstuvjkra a vjvm, vjvm, bm duab rkprkskhtaia uh jhlrksm kstaibk y nadàa quk ba lkhtk sk sjhtjkra sklura. Umr ksm bas pkrsmhas sk admstu`irarmh a kstucjar y iusdar uh traiagm quk tk asklurara tu pala dmhtjhua. Adtuab`khtk ya hm mdurrk ksm, jhdbusm bms gôvkhks ck anmra ya hm tkhcráh addksm a uha pkhsjôh ab guijbarsk kh hukstrm paàs, bm quk nadk iusdar `ás mpmrtuhjcacks para tkhkr jhlrksms ab `m`khtm ck guijbarsk y hm qukcar sjh haca. Mtrm duacrahtk quk skràa uha lrah fmr`a ck tkhkr jhlrksms ks kb ‒Cukñm ck hklmdjms‐ kxjstkh trks fmr`as para bbklar a kstk bacm rápjca`khtk7 Dmh uh `khtmr (Ablujkh quk bm naya nkdnm ahtks y tuvm êxjtm) Dmh Frahqujdjas (Dm`prar uh sjstk`a mpkradjmhab)   Kb @krdackm kh rkc (Tjstk`as ck cjstrjiudjôh cjrkdta, ada`ijm ck uha dumtack k ht htrraca razm azmhai haibksk kskacqujkr jkrkuha kuha partk rtk ckb ckb sjst sjstk k`a kxjstk jstkh htk y drkar  jh`kcjata`khtk uh hklmdjm).

Ks `uy j`pmr j`pmrtah tahtk tk dmhmd dmhmdkr kr ba cjfkr cjfkrkhd khdja ja kht khtrk rk uh prmc prmcudt udtm m y uh sjstk sjstk`a. `a. Kb prjhdjpab krrmr ks miskrvar prj`krm kb prmcudtm y hm kb sjstk`a ck hklmdjms y ba mrlahjzadjôh quk sk khdukhtra cktrás ckb prmcudtm. [ha k`prksa skrá kxjtmsa sjk`pr sjk `prk k y duah duahcm cm tmcms tmcms sus sjstk`a sjstk`as s bm skah. skah. Umr Umr ksm kb autmr autmr hms ca cms dmhskgms j`pmrtahtks7 1. Aprkhckr Aprkhckr a supkrar supkrar kb `jkcm a skr rkdnazacm rkdnazacm y ckgar ckgar ck prkmdupar prkmduparsk sk pmr bm quk mtras pkrsmhas cjráh smirk ustkc. 9. Aprkhckr Aprkhckr a bjckrar a ba lkhtk. lkhtk. Sraiagar Sraiagar dmh cjstjhtms cjstjhtms tjpms ck pkrsmhas pkrsmhas ks bm `ás cjfàdjb kh uh hklmdjm. hklmdjm. Kb prjhdjpab prjhdjpab krrmr ks miskrvar prj`krm kb prmcudtm y hm kb sjstk`a ck hklmdjms y ba mrlahjzadjôh quk sk khdukhtra cktrás ckb prmcudtm.

Tkluhca partk Dmhvkrtjrsk kh qujkh ustkc ks Ubaht Ubahtk k uha uha jcka jcka para para tkhkr tkhkr ba sklur sklurjca jcac c kh kb k`pbkm k`pbkm y ba kgkdu kgkdudj djôh ôh ck bms bms sjstk`as quk ayucah a druzar kb pukhtk nadja kb bacm ckrkdnm ckb duacrahtk, ta`ijêh pbahtka kb hm traiagar pmr ba misksjôh ck mitkhkr smbm cjhkrm, bms patrmhks quk hms `ukstra smh para uh dmhcjdjmha`jkhtm kb duab dmhtrjiuyk ba `khtk, kb dukrpm y kb ab`a para uha iukha kgkdudjôh para ba mitkhdjôh ckb cjhkrm sjh tkhkr  ba misksjôh pmr êb, ba cjfjdubtac ck da`ijar bms patrmhks smh ba cjsputa `khtab khtrk

 

mitkhkr uha bjikrtac m uha sklurjcac kdmhô`jda ba duab smbm kb jhcjvjcum pmcrá ckdjcjr khtrk ba drkadjôh ck uh hklmdjm m tkhkr uh traiagm para sjk`prk. Ubahtka uh vàhdubm ck khdmhtrar ba pasjôh dmh kb traiagm cmhck hms kxpbjda quk kb jhcjvjcum hm pukck vjvjr dmh `jkcm ya quk kbbm bbkva a ckgar ck bacm ba pasjôh pmr ba duab sk kstá budnahcm y traiagahcm para mitkhkrba, ba pasjôh drka hklmdjms pmr  quk kb jhcjvjcum tjkhk quk `ahtkhkr vjvm ksk rkdukrcm pmr kb quk kstá budnahcm y `ahtjkhk vjva ba bba`a para hm rkhuhdjar a su traiagm bmlracm, kstm tjkhk quk car  dm`m rksubtacm ba acqujsjdjôh acqujsjdjôh ck cm`jhar kb sjstk`a ba duab ayuca a ckgar ck bacm bms `jkcms ckb fradasm y tkhkr kh prj`kr pkhsa`jkhtm kb sukñm pmr kb quk kstá traiagahcm kstk pbahtka`jkhtm `ukstra quk tjkhk quk naikr uha dm`ijhadjôh ck a`mr mcjm para tkhkr uha `kgmr cm`jhadjôh ckb sjstk`a. ½Dô`m `k vukbvm rjdm= [ha ck bas prkluhtas `ás frkdukhtks quk bk nadkh a ojymsaoj ks "½Dô`m `k vukbvm rjdm=", duahcm bk prkluhtah côhck aprkhcjô ba fôr`uba para vmbvkrsk rjdm, bks rkspmhck7 "Gulahcm kb guklm ck @mhmpmbjm duahcm kra hjñm." Auhquk abluhas pkrsmhas pjkhsah quk kstm ks uha irm`a, ojymsaoj hm bm cjdk dm`m uh dnjstk. Ba fôr`uba para vmbvkrsk rjdm kh @mhmpmbjm ks skhdjbba y fuhdjmha kh ba vjca rkab tah ijkh dm`m kh kb guklm. "Duatrm dasas vkrcks... uh nmtkb rmgm". Qujzá bas pkrsmhas rkdukrckh quk kb skdrktm para bmlrar ba rjqukza kh kb @mhmpmbjm ks sj`pbk`khtk dm`prar duatrm dasas vkrcks y buklm jhtkrda`ijarbas pmr uh lrah nmtkb rmgm. Ksm ks tmcm bm quk sk hkdksjta y ks ba `js`a fôr`uba ck jhvkrsjôh quk ojymsaoj y su kspmsa utjbjza. Duahcm kb `krdacm ck ijkhks raàdks `ardnaia `ab, dm`prm tahtas dasas pkqukñas dm`m pucjkrmh dmh kb bj`jtacm cjhkrm quk tkhàa`ms. Duahcm kb `krdacm `kgmrô, jhtkrda`ijarmh bas duatrm dasas vkrcks y dm`prarmh uh lrah nmtkb rmgm. Huhda tuvjkrmh quk vmbvkr a prkmduparsk pmr traiagar, ya quk, kb fbugm ck kfkdtjvm sk caia pmr sà `js`m. Ks fádjb nadkr bm quk bms rjdms nadkh Ojymsaoj cjdk quk bas pkrsmhas quk hm fukrmh kcudacas kh uha ksdukba smh bas quk `aymr`khtk sk vukbvkh rjdms, ya quk, kb mitkhkr cjhkr cjhkrm m hm ks tah cjfàdjb dm`m parkdk, smbm sk tjkhk quk `ahkgar ck uha fmr`a quk kb fbugm ck kfkdtjvm fuhdjmhk dm`m ckik skr. [h bjirm quk rkdm`jkhca ojymsaoj smirk kstk tk`a sk bba`a "SNJHO AHC LYM\ YJDN" ck Hapmbkmh Njbb. Kstk bjirm jhfbuym `udnm kh ba guvkhtuc ck ojymsaoj y kh ba cjrkddjôh quk qukràa sklujr para su vjca fjhahdjkra. Ojymsaoj kxpbjda quk kb bjirm sk tjtuba asà, ya quk, bas pkrsmhas quk tjkhkh uh traiagm sklurm hm sk vukbvkh rjdas sjhm bas pkrsmhas quk saikh pkhsar kh dô`m utjbjzar kb cjhkrm. Ablm quk jhfbuym `udnm a ojymsaoj smirk quk qukràa nadkr y dô`m ckiàa fukrmh kstas trks pabairas quk ksdrjijô uha prmfksmra ck dm`m fjgar sus `ktas kh kb taibkrm7   -Tkr 

 

  -Nadkr    -Skhkr -Skhkr (ksta pabaira pabaira nadk rkfkrkh rkfkrkhdja dja a ba `kta a ba quk sk qujkrk qujkrk bbklar). bbklar). Kb duacrahtk ckb fbugm ck cjhkrm ks adkrda ckb skr… hm ckb nadkr. Kb da`ijm ck duacrahtk ckb bacm jzqujkrcm ab bacm ckrkdnm sk trata `ás ckb "skr" y hm ckb "nadkr". Hm sk hkdksjta cjhkrm para da`ijar su fmr`a ck pkhsar, pkrm kh md mdasj asjmh mhks ks ks cjf àdjbjb da`ij da`ijar ar lkhkradjôh. uhms uhms dmhd dmhdkpt kptms ms smir smirk k kb cjhkr cjhkrm m quk quk nah nah sjcm sjcm trahs`jtjcms ck cjfàd lkhkradjôh kh Kstk bjirm ckb duacrahtk ck fbugm ck cjhkrm ks adkrda, hm ck dô`m sk ckik "nadkr" para jhvkrtjr m quk ckik nadkr para cjfkrkhtks tk`as rkspkdtm ab cjhkrm, sjhm, ck dô`m da`ijar su pkhsa`jkhtm para bmlrar bbklar a ba bjikrtac fjhahdjkra. ½Duáhcm ks ustkc uh acubtm= Uara pasar ckb bacm jzqujkrcm ab ckrkdnm, skl÷h ojymsaoj, nay quk skr uh acubtm cksck kb puhtm ck vjsta fjhahdjkrm. Tkr acubtm cksck cksck kb puh puhtm tm ck vjsta vjsta fjhahdj fjhahdjkrm, krm, ckik`ms ckik`ms dmhsjck dmhsjckrar rar tmcms tmcms bms `êtmcms ck mitkhkr cjhkrm cjhkrm dm`m acubtms, bm quk bbkva a saikr quk " nadkr y dô`m nadkrbm" para mitkhkr cjhkrm.} Tka kb iahdm… hm kb iahqukrm Ojyms Ojymsaoj aoj sk na khfmd khfmdacm acm kh ba pa partk rtk ck "TKY "TKY"" ck ba fôr`ub fôr`uba a "TKY "TKY-N -NAD ADKY KY-SKHKY" pmrquk sjh ba `khtabjcac y adtjtuc ackduacas, bas pkrsmhas hm pukckh kstar kst ar pr prkp kpara aracm cms s para para bms lrahc lrahcks ks da`ijm da`ijms s kdmhô` kdmhô`jdm jdms s quk quk khfr khfrkht khta`m a`ms s adtuab`khtk. Tkl÷h ojymsaoj ab "skr" ablujkh dmh bas aptjtucks y ba `khtabjcac ckb bacm ckrkdnm ckb Duacrahtk, bas pkrsmhas kstaráh prkparacas para rkdmhmdkr bas mpmrtuhjcacks quk sk prkskhtkh ck ksms da`ijms y kstaráh prkparacms para "NADKY", bm quk tkhcrá dm`m rksubtacm quk bas pkrsmhas pukcah "SKHKY" êxjtm fjhahdjkrm. Dm`m gular ab iahdm7 Ojymsaoj curahtk ba êpmda ck 1:>6, aprmvkdnm ba sjtuadjôh quk sk khfrkhtaia kh ksk tjk`pm y sk ckcjdô a jhvkrtjr kh ijkhks raàdks, jhvkrtàa kh ijkhks raàdks pmr bas sjlujkhtks djhdm razmhks7 Urkdjms7 Bms prkdjms ck bms ijkhks raàdks krah tah iagms quk bms palms ck bas njpmtkda njpm tkdas s kstaiah kstaiah `uy `uy pmr ckiag ckiagm m ckb vabmr vabmr ck ba rkhta rkhta ck ck ba `aymràa `aymràa ck ck bas prmpjkcacks. Fjhahdja`jkhtm7 Bms iahdms `k kxtkhckràah uh prêsta`m smirk ijkhks raàdks, pkrm hm para dm`prar addjmhks kh ba imbsa. J`pukstms7 Tj lahaia uh `jbbôh ck côbarks kh utjbjcacks ck bas addjmhks iursátjbks, nuijkra tkhjcm quk palar dkrda ckb 45% pmr j`pukstm a bas lahahdjas ck dapjtab smirk `js utjbjcacks.

 

Fbugm ck kfkdtjvm7 Bas rkhtas hm cjs`jhuykrmh a pksar ck quk bms prkdjms ck bms ijkhks raàdks naiàah ckdbjhacm. Ksm apmrtô `udnm cjhkrm a `j imbsjbbm, palô bas njpmtkdas y, bm quk ks `ás j`pmrtahtk, `k pkr`jtjô "`kcjr kb tjk`pm" ckb `krdacm. [ha mpmrtuhjcac ck dmhvkrtjr`k kh kb iahdm7 Bms ijkhks raàdks `k pkr`jtjkrmh dmhvkrtjr`k kh iahdm, ablm quk ym sjk`prk naiàa qukrjcm nadkr cksck 1:5 555 pmr kbba (uh palm jhjdjab ck 15 555 y uha njpmtkda ck