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Gen Vexed
 

Malcolm Harris’s new book on how capitalism has shaped millennials


 

 

 

EMMETT RENSIN


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The most essential passage in Kids These Days, Malcolm Harris’s new book on the “making of millennials,” does not appear until its 113th page and is not really about millennials at all. “When history teachers talk about government policy decisions, they tend to use the progressive frame: The government improves things over time,” he writes.

While liberals think conservatives slow down or rewind progress, and conservatives are only willing to accept government policy forty or fifty years after its implementation (at which point they want an equal share of the credit), both agree that America is improving itself and improving the world as it goes. This simplistic historical perspective doesn’t jibe with reality: Somehow, things got worse.

Kids These Days is about what got worse. It is a book about late capitalism, or at least capitalism, lately, about how the economic and political forces that have dominated the past thirty years of American life have conspired to produce a generation more managed, exploited, and uncertain than those that came before. It is a book about millennials, but for Harris millennials are only the symptom: They are what happen when you bring up an entire generation under the demands of a precarious economy. Despite the relentless, if divergent, optimism of America’s sanctioned political actors and institutions, even today’s winners are less secure and stable than those of the twentieth century’s economy. Some have adapted better than others—securing good diplomas and stable jobs, even a mortgage or some savings—but, as Harris writes, “Adapting to a messed-up world messes you up, whether you remain functional or not.”


Harris’s approach is simple. So simple, in fact, that it is difficult to believe nobody has written this book before, although it is fortunate that Harris—who manages to be quick and often funny without sacrificing rigor—is the author who ultimately took up the task. In fewer than three hundred pages, he surveys the myriad hot takes on millennials—they’re lazy, they’re entitled, they’re narcissists who buy avocado toast instead of homes, slacking on Snapchat at their unpaid internships—and asks, “Why?” That is, What actually happened to you materially, politically, and socially if you had the poor luck of being born between 1980 and 2000? What kind of education system and labor force and nation raised you? In keeping with his materialist outlook, Harris argues that society molds each generation to fit its economy, to produce the kinds of debtors and workers required to service the needs of its most powerful members. What, then, were the economic factors that shaped millennials?

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Over the past forty years we have witnessed an accelerated and historically unprecedented pace of change as capitalism emerged as the single dominant mode of organizing society,” Harris writes in his introduction. He continues:

It’s a system based on speed, and the speed is always increasing. Capitalism changes lives for the same reason people breathe: It has to in order to survive. Lately, this system has started to hyperventilate: It’s desperate to find anything that hasn’t yet been reengineered to maximize profit, and then it makes those changes as quickly as possible. . . . In order to fully recognize the scope of these changes, we need to think about young people the way industry and the government already do: as investments, productive machinery, “human capital.”

The story of Kids These Days is the story of this “human capital,” and of millennials as the products of an economy designed to cultivate that capital at every stage of life. It begins in childhood, when kids corralled by standardized tests, psychiatric intervention, and punitive zero-tolerance policies—backed up by armed police stationed in public schools—must work harder than ever to appeal to an increasingly selective and expensive set of universities thought to improve job prospects. (“Risk management used to be a business practice,” Harris writes, but “now it’s our dominant child-rearing strategy.”) For those who evade draconian disciplinary measures, imprisonment, or poverty, the process continues at the university level, where students take on massive debt obligations—essentially, capital investments in their future earnings—and then compete (often without success) for jobs that can pay off those loans. Finally, millennials enter the workforce, where unpaid internships and low job security shift the cost of training onto employees, and each individual learns to see her peers as competitors who will seize any opportunity she passes up. The losers of the new economy are relegated to poverty or prison. The winners never get to stop watching their backs.

In the second half of the book, Harris rounds out his story with examinations of the role of the federal government (largely serving to guard the interests of baby boomers through a safety net heavily slanted toward the protection of programs like social security) and of how the story of human capital plays out in particularly visible fields (sports and entertainment, mostly). Finally, he turns to the social-media networks and pharmaceutical remedies that keep all this churning: considering how they keep people competing at all hours and at maximum achievable efficiency, in full view of their peers. Where the first half of the book charts the precarious course of even the most successful millennials, the second half explores the particular methods and trends of policy and culture that ensure that course.

 

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noskich

https://www.theguardian.com/global-development/2017/oct/16/the-true-cost-of-a-plate-of-food-new-york-south-sudan-global-hunger-crisis

 

The true cost of a plate of food: $1 in New York, $320 in South Sudan

 

“Nearly 800 million people went hungry on the planet last year because they simply could not afford to feed themselves, yet we have enough food to feed everyone worldwide: the food we waste could actually feed 2 billion people,” said Francis Mwanza, a London-based spokesperson for the WFP.

 

Da nam zivi plutokracija!

Edited by noskich

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Plavimost

Neka je i pola od toga, svaka im čast.

 

Treba da ulože te pare ovde, da se potroše na penzije i plate u javnim preduzećima.

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miki.bg

How the aristocracy preserved their power

 

After democracy finally shunted aside hereditary lords, they found new means to protect their extravagant riches. For all the modern tales of noble poverty and leaking ancestral homes, their private wealth and influence remain phenomenal

 

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*edited by mod

Da li neko zna kako mogu da naplatim dividende od akcija? 

 

Svuda gde sam trazio se pominje naplata samo za besplatne akcije, a ono sto meni treba je naplata dividendi od akcija koje sam nasledio.

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čekmeže

Princip je isti, poreklo akcija nije bitno. Da li si upisan kao akcionar? Da li su dividende uopšte isplaćivane? Skupština akcionara donese odluku o tome i akcionari dobiju dividendu na račun.

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*edited by mod

Upisan sam na ostavinskom resenju kao naslednik akcija. Bilo je dividenda u poslednje dve godine.

 

Koliko sam video za besplatne akcije je moglo da se ode u bilo koju postu, nesto mi je cudno da i za ove standardne vazi isto tj da ih pokriva posta

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Ayatollah

Upisan sam na ostavinskom resenju kao naslednik akcija. Bilo je dividenda u poslednje dve godine.

 

Koliko sam video za besplatne akcije je moglo da se ode u bilo koju postu, nesto mi je cudno da i za ove standardne vazi isto tj da ih pokriva posta

 

Za redovne akcije bi trebao da odeš kod redovnog brokera, zaključiš sa njim ugovor o vođenju računa HoV. Na osnovu toga broker tebi otvara račun HoV, i onda mu daš nalog da na osnovu ostavinskog rešenja kod CRHoV izvrši prenos akcija sa računa ostavioca na tvoj račun HoV (pretpostavljam i da zatvori ostaviočev račun HoV). Tada ćeš videti da li je uopšte bilo dividendi od tih akcija, kao i na kom računu se nalaze, s tim da moraš imati u vidu mogućnost da nikakvih dividendi nije ni bilo, jer je njihova isplata u Srbiji pre izuzetak nego pravilo. 

 

Btw, kada smo već kod ovoga, da li neko ima iskustva sa trgovinom akcijama na stranim berzama iz Srbije, preko domaćih brokera?  Razmišljam se već neko vreme da počnem da kupujem akcije stabilnih stranih kompanija kao dugoročnu investiciju, obzirom da se oročavanje para u srpskim bankama ne isplati.

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hazard
On 11/15/2017 at 10:56 AM, Ayatollah said:

 

Razmišljam se već neko vreme da počnem da kupujem akcije stabilnih stranih kompanija kao dugoročnu investiciju, obzirom da se oročavanje para u srpskim bankama ne isplati.

Bolje nemoj. Spasi sebe neispavanih noći kada bude sledeći berzanski krah. I ako pucaš na stabilne kompanije, to je mršav rast u principu, i dok ti broker uzme svoju proviziju, pa provizije vezane za prebacivanje para iz inostranstva, sumnjam da ćeš izaći na kraju sa mnogo većom zaradom nego od domaće devizne štednje. Mislim verovatno hoćeš malo, ali sumnjam da je ti je to vredno nerviranja i gledanja vrednosti tvojih akcija kako idu gore-dole.

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Ayatollah
17 minutes ago, hazard said:

Bolje nemoj. Spasi sebe neispavanih noći kada bude sledeći berzanski krah. I ako pucaš na stabilne kompanije, to je mršav rast u principu, i dok ti broker uzme svoju proviziju, pa provizije vezane za prebacivanje para iz inostranstva, sumnjam da ćeš izaći na kraju sa mnogo većom zaradom nego od domaće devizne štednje. Mislim verovatno hoćeš malo, ali sumnjam da je ti je to vredno nerviranja i gledanja vrednosti tvojih akcija kako idu gore-dole.

Pa ovih dana neću sigurno, jer vidim da berze probijaju plafone, barem u USA. Glupo je da kupujem kada je najskuplje. Razmišljao sam i da kupujem akcije Aerodroma, Komercijalne banke ili NIS-a, ali je tu problem likvidnost tržišta u Srbiji, tj. može ti se desiti da hoćeš da prodaš, a nema nedeljama bilo koga da kupi, ili da oročavam u dinarima, ali je tu večiti strah od kraha kursa. JBG, nisam baš pametan šta da radim.

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Host

Poslusaj Hazarda, a uzgred procitaj osnovne stvari pre ulaganja.

Jedna od osnovnih stvari je pravljenje portfolija (15tak akcija firmi razlicitog profila) tako da se smanji rizik uz odredjeni (ocekivani) prinos, takozvana diverzifikacija. To nude razni brokeri uz price da su oni alfe (prinos iznad proseka berze) i da je njima najveci (prinos). Medjutim, cinjenica je da niko nije alpha na dovoljno duge staze  i da je kupovina berzanskog indeksa dugorocno isplativija. Pogledaj prinose i dividende, oduzmi porez i troskove poreske prijave (komplikovana prica, zavisi koliko si drzao pojedine akcije) i ostaje ti u najboljem slucaju par posto. Onda pogledaj koliki je valutni rizik i razmisli da li ti se isplati cela akcija. 

Inace vidim da padas pod uobicajene zablude - berza je u konstantnom rastu od 2010 i nema previse smisla odlagati kupovinu zbog toga. Trenutno se desava zanimljiva pojava - kraj ere startapa. Novac se zbog pristojnih prinosa povlaci iz VC fondova ka berzi pa i ta dodatna traznja vestacki podize cenu akcija. Tehnologije su se konsolidovale pa je velikim firmama sad mnogo lakse da se bore sa disruptivnim potencijalom raznih startapa. Ukratko, moguce da ce indeksi najvecih kompanija i dalje rasti. Ovo ne znaci da mislim da ce berza sigurno rasti u narednom periodu, samo hocu da kazem da treba oprezno zakljucivati da bi se izbegle urodjene predrasude. 

Ne bih uopste razmatrao kupovinu akcija sa nelikvidnih trzista. 

Ako nemas stan, mozda je pravo vreme da ga kupis? Investicije u nekretnine su prilicno glupa stvar, ali kupovina prvog stana i nije tako losa ideja ako planiras da ostanes u Beogradu. 

Ja cuvam vecinu love u slobodnom kesu uz vise manjih visoko-rizicne investicije, ali ja volim da se kockam.

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levi
1 hour ago, Ayatollah said:

Pa ovih dana neću sigurno, jer vidim da berze probijaju plafone, barem u USA. Glupo je da kupujem kada je najskuplje. Razmišljao sam i da kupujem akcije Aerodroma, Komercijalne banke ili NIS-a, ali je tu problem likvidnost tržišta u Srbiji, tj. može ti se desiti da hoćeš da prodaš, a nema nedeljama bilo koga da kupi, ili da oročavam u dinarima, ali je tu večiti strah od kraha kursa. JBG, nisam baš pametan šta da radim.

na kraju se opet svodi na kupovinu državnih obveznica http://aukcije.ujd.gov.rs/default_lat.asp?P=2 :sleep:
mada su u poslednje vreme utanjili sa emisijama a i sa prinosima, ali isprati i to

prva prodaja na aukciji, a posle se uključuju na berzu pa može da se proda pre dospeća

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