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Gavilán Bouzas, ¡Que ganga!

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fraud alert
Foto por la Guardia Civil de España.

El marketing oscuro de los estafadores en el internet

por Diana Gavilán Bouzas, Universidad Complutense de Madrid

Fueron técnicas de marketing, pero marketing oscuro, las que ayudaron a Joseph Goebbels a difundir su ideología y consolidar el poder del nazismo; también fue marketing oscuro lo que usó el Ku Klux Klan para reclutar a sus miembros y promover su agenda de odio racial.

Además de matemáticas, Bernie Madoff utilizó estrategias de marketing –oscuro– para promocionar los altos rendimientos de sus productos financieros estimulando así la ambición de sus potenciales inversores. Madoff perpetró el mayor esquema Ponzi (variante de la estafa piramidal) en la historia de Estados Unidos, utilizando una metodología de fraude que se remonta a mediados del siglo XIX. Robó aproximadamente 65 000 millones de dólares.

El marketing funciona y pudo ayudar a que un país que tuvo el récord en enfermedades cardiacas se convirtiera en uno de los más sanos de la Tierra. Pero si cae en ciertas manos puede volverse oscuro y convertirse en un arma para manipular, engañar y causar daños a gran escala.

Los 5 350 millones de usuarios de internet a nivel mundial somos las potenciales presas. Y estafar con estas armas es barato, rápido y sencillo.

Claves del marketing que usan los estafadores

El perfil del estafador online es el de un sujeto que sabe algo de informática, pero no es un experto ingeniero de software. Sabe algo de psicología y, sobre todo, usa las claves del marketing digital.

Tienen claras cuatro cosas. La primera, que navegar es una tarea que realizamos de forma automatizada e impulsiva
sin detenernos a reflexionar acerca de dónde hacemos clic –o el tiempo que le dedicamos–, sobre todo si navegamos desde el móvil.

La segunda, que ciertos contenidos nos desatan. Si usted ha hecho alguna búsqueda y de pronto le salta un anuncio con una oferta a mitad de precio (¡oportunidad!). Entonces es probable que usted lo quiera y… ¡lo quiera ya! Bajo la influencia de estos deseos viscerales no pensamos en las consecuencias de nuestras decisiones, entre las que por supuesto está que seamos estafados.

Que no se enfríe el mochuelo

Bruce Easley, exestafador reconvertido en autor de libros de gestión de negocio, reconoce ese breve estado de descontrol y la oportunidad que brinda al estafador:

Es imperativo que trabajes lo más rápido posible. Nunca hay que dar tiempo a que se enfríe un mochuelo caliente. Es necesario cerrarlo mientras aún está babeando.

La tercera cosa que tienen clara los estafadores es que hemos sido educados en el respeto y la confianza. Cuando un banco, una institución oficial como la Agencia Tributaria, Correos o una empresa como Netflix nos formula una solicitud aparentemente legítima, nuestra respuesta natural es obedecer.
Si además sentimos que el incumplimiento de la solicitud tiene consecuencias negativas, es más probable que nos precipitemos.

Ejemplo de estafa bancaria con amenaza.

Del mismo modo, si es nuestra hija quien nos pide dinero a través de un SMS desde un móvil desconocido, porque se ha quedado sin batería, nuestra respuesta natural e inmediata es socorrerla y enviárselo. Los estafadores lo saben.

La cuarta “verdad universal” que manejan los estafadores online es que si hay poco, se desea más. La escasez es una poderosa herramienta persuasiva de la que se abusa constantemente en las páginas de e-commerce y que no ignora un estafador. Si hay poco, usted va a tardar menos en decidirse. Piense en lo que siente al reservar un vuelo, cuando aparece el mensaje “quedan tres asientos a este precio”. Una calculada dosis de escasez bien gestionada convirtió en un rotundo éxito los lanzamientos de Apple.

Cuando el marketing se convierte en una trampa

Un anuncio fraudulento que imita la página oficial del producto.

Una estafa exitosa se parece a una oferta legítima, a veces es indistinguible a primera vista. Si se trata de toda una web, como por ejemplo las páginas fraudulentas lefties-online.com o parfoisonline.shop, el cliente se encuentra con los mismos productos, a precios muy rebajados, con una promesa de envío inmediata y una pasarela de pago idéntica. Tras la compra salta la alarma cuando el cargo en la tarjeta no lo firma Lefties o Parfois sino Phoeebeo o Joyyceno o cualquier otro nombre dejando claro que el producto nunca llegará.

Otras veces el reclamo es un anuncio que aparece, como tantos otros, después de haber hecho búsquedas de un producto, porque los estafadores también programan sus reclamos. Estos anuncios presentan un producto interesante, por ejemplo un móvil, a un precio muy atractivo, un descuento del 70 %, con una distribución muy rápida, y un mensaje eficaz que captura su atención:

¡Enhorabuena! Ha ganado una tarjeta de Amazon por valor de 1 000€. Solo tiene que hacer clic en el botón de continuar. ¡Tiene 4 minutos para reclamar este premio!

Push o pull

Para atraer a sus víctimas, el estafador diseña una estrategia de push o pull como en cualquier acción de marketing.

Hacer push es acercarse a las potenciales víctimas a través de correos electrónicos, mensajes de WhatsApp o SMS, un método masivo, barato y rápido, o de forma más minuciosa a través de perfiles falsos en redes sociales como el wokefishing. Pero otras veces el estafador opta por hace pull y simplemente deja un señuelo en la red, esperando a que sea el usuario el que se autoseleccione como víctima, haciendo clic en un anuncio falso, o entrando en una web clonada donde aparecen ofertas aterradoramente atractivas.

Los datos sí mienten

Las estadísticas sobre estafas online son imprecisas y no reflejan la realidad porque muchas víctimas, ante la vergüenza o la culpa, no denuncian.

Los estafadores usan listas de “pringados”, es decir, personas que ya han sido estafadas y que tal vez lo han sido por su especial vulnerabilidad.

Es un error pensar que si eres una persona cualificada no te la cuelan. No hay datos que demuestren que esto sea cierto. No es cuestión de cualificación sino de atención y reflexión antes de hacer clic.

Internet está plagada de estafas, y hay una estafa pensada para cada uno de nosotros. Que la suya no le encuentre, pero si le encuentra… ¡no haga clic!.The Conversation

Diana Gavilán Bouzas, Profosora de Marketing, Universidad Complutense de Madrid

Este artículo fue publicado originalmente en The Conversation. Lea el original.

 

Contact us by email at / Contáctanos por correo electrónico a thepanamanews@gmail.com

To fend off hackers, organized trolls and other online vandalism, our website comments feature is switched off. Instead, come to our Facebook page to join in the discussion.

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A trip to El Valle, the longer but quicker way

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a start
I had an errand to run in El Valle, with no great constraint as to time. But doing my wee hours blogging I looked to my laptop’s weather projection for Anton and it said “partly sunny.” So maybe also an opportunity to look around and take pictures along the way? This is how it looked from my house as the sun was coming up and I was about to be on my way.

A morning’s photo excursion

photos and notes by Eric Jackson

Generally I take my camera everywhere I go. There are certain anchors to work that I resist, but this isn’t one of them. Plus, without voice recording or writing notes, I try to remember what’s along the way, with this news sense that generally speaking, the unfolding state of Panama’ economy is the most important story here.

I have a late morning until the early evening road trip later in the week, and the dogs and cats have limited tolerance for my absence at their usual feeding times. That went into my calculations as well. The weather projection for this rainy season day clinched it. This would be a time to go over the ancient volcano rim and into El Valle.

Dogs’ and cats’ water bowls filled, it was out the door and on a trek to the bus stop first thing. 

By direct lines, or following the roads on a map, the shortest way would have been to catch a bus going north, to Altos de la Estancia, then another down into El Valle. However, buses are less frequent going that way, both from my barrio, then downhill into the crater. Easy decision to make — but six full buses passed me by before I could board a San Juan de Dios to Penonome bus. That got me to the Pan-American Highway, where that I got off and crossed the road as the first bus headed west. Almost immediately I got an eastbound Penonome to Anton bus, pulling into Anton before 7 a.m. Scratch the option of getting a newspaper at that point — too early.

Quickly an Anton to Panama bus pulled into the caseta, and it was mostly empty so the pavo said there would be no problem taking me to the “other” entranice to El Valle, across the provincial line in Las Uvas de San Carlos. Before grabbing the next bus onward, I trudged up and across and down the pedestrian bridge, then across to the Zaz and the bakery. A can of Monster energy drink and a couple of hojaldres, and a glance at such tabloids as they had — just gangster carnage and US news that I had been following all night — so I passed.

Back at the bus stop on the corner, I did have a chance to talk to a nice lady and pick up some reading material. The Jehovah’s Witnesses — the Testigos — were there with their literature stand. I could argue politics and/or religion with them, but to this old hippie the Witnesses are honorable brothers and sisters in the antiwar resistance.

Las Uvas
A barbershop in the right-of-way under the pedestrian overpass at Las Uvas. There was a double interest for me, cultural and economic. With the changes in government, which businesses get expelled from alongside the highway and which stay? And of you may remember or appreciate Panama’s bus art, which took a big hit with the diablos rojos were replaced by the Metro buses in Panama City and San Miguelito but lives on in other venues like Colon and La Chorrera. A lot of these same artists, and distinctive stylistic traditions, found work decorating businesses, especially barbershops. 

It was not long before I got onto a crowded little San Carlos – El Valle bus. There were not many picture-taking opportunities during the ride, but there were observations and things about which to wonder.

Gone was the place with the faux medieval castle walls. The monastery is still for sale. The road’s in reasonable state of repair — not perfect, but in sharp contrast to the road the other way. There were a number of beautiful new or about to be finished houses along the way. There were more offerings of lodging than I had seen before. There was a guy busily cleaning the mirador.

Get into town, and El Valle has seen some economic devastation over the past few years, but not like many other places in Panama. Gone in the Peruvian restaurant — or did they just move? — but for the first time I noticed a Colombian eatery on the main drag.

It was a Monday morning, not at all prime time to look at El Valle business activity. All these coffee places and nobody there. The weekend is generally when this corregimiento is hopping. Did not see the person whom I had hoped to find but did drop off what I had brought from her. And I stopped to appreciate and photograph some of the flowers and scenery.

flower 1
Wow man! Like, Flower Power! Below, a security wall that would deter most would-be intruders, but a much more tasteful addition to the El Valle scene than would be razor wire. When you have this rich volcanic soil, you have much less of an excuse to neglect your gardening.

 

I almost always go to the public market when I go to El Valle — to shop, to see if there’s anyone I know, to take pictures of what’s for sale. But this was a Monday and this was not particularly a shopping or socializing excursion.

The people watching, though? Always. Folks tooling around in an incredibly expensive, by my standards, new BMW SUV. Little groups of backpackers whom I took to be German, as so much of Europe is on paid vacation at the moment. The Chinese retail store clerk putting her hand over the candy jar into which a little boy was trying to reach. (And by the way, although there is no easy way to know the cause, I noticed more little mini-supers in El Valle this time than I had before. Is it progress or retrenching?)

Nature watching on just about any morning in El Valle? There is the ever-present mist in the hills, the bajareque, that drives Panamanian highland ecologies in general. El Valle is a special bowl-shaped case, as it’s a long-dormant volcano crater.

That was brief. Time to head back, lest the dogs decide to show how much they miss me by trashing the place. But first, a stop to grab something to eat at Sofia Z — a baked fish filet, a couple of carimañolas, some salad, something unsugared to drink — and THEN the morning’s shopping, some bread, rice and dog and cat food. And, belatedly, one of the daily newspapers that looked like it had some interesting political news.

rain
It’s a bit after 11 a.m. and as I approach the bus back to the barrio from Anton, the rain starts. They DID say “partly” sunny.
 

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Beluche, La Revolución Francesa y la independencia de América

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crossing he Andes
El Gran Libertador había sido influenciado por Francia, pero también conocía la tragedia que la Revolución Francesa trajo a Haití. Simón Bolívar cruza los Andes para liberar a la Nueva Granada del dominio del Imperio Español. Pintura de Francisco Antonio Cano.

La Revolución Francesa y los mitos de la independencia hispanoamericana

por Olmedo Beluche

La conmemoración de la Toma de la Bastilla, uno de los acontecimientos que conformaron lo que se conoce como Revolución Francesa, debe servirnos para reflexionar sobre su influencia en lo que posteriormente sería la revolución hispanoamericana, llamada Independencia. Sí, la independencia hispanoamericana fue una revolución política, es decir, consistió en la transformación revolucionaria del gobierno y del estado, pero no por voluntad, sino a pesar del querer de algunos de sus actores sociales. El proceso revolucionario de la independencia ha sido encubierto por una serie de mitos.

1. En América, los verdaderos ilustrados, influidos por las ideas modernizantes de filósofos (como Rousseau) eran una ultra minoría a inicios del siglo XIX. Generalmente provenían de capas medias intelectuales (militares, abogados, médicos). Pero su influencia en la sociedad era marginal. Eran los Francisco de Miranda (que vivió en Europa casi toda su vida), los Mariano Moreno, Antonio Nariño, etc.
2. Los criollos, la clase dominante de los “americanos” o “españoles de América” NO eran “ilustrados”, ni perseguían copiar el modelo político de la Revolución Francesa. Por el contrario, querían evitarla porque habían visto sus consecuencias en la Revolución Haitiana contra la esclavitud y la Independencia Política de Saint Domingue (1804) y no querían que sus propios esclavos imitaran a los de Haití.
3. Había en realidad mucho recelo contra todo lo que viniera de Francia. Algunos sectores añoraban algunos “derechos” que habían perdido con las reformas borbónicas (los Borbones eran una monarquía de origen francés) del siglo XVIII, como: la expulsión de los jesuitas, la expropiación de bienes y cobros de capellanía a la Iglesia católica (1804), aumento de impuestos (Rebelión de Tupac Amaru de 1880 en Perú y de los Comuneros 1881 en Nueva Granada), reforma política de los virreinatos, fin del sistema de galeones y apertura comercial a los ingleses, etc.
4. Cuando en 1808, Napoleón invade España, y tanto Carlos IV como Fernando VII abdican la corona hispana en favor del emperador, que nombró a su hermano José como nuevo rey de los españoles, algunos ven una actitud de entrega a los franceses. Por eso, los criollos, “españoles de América”, apoyan la sublevación en la península Ibérica contra la ocupación francesa. Entre 1808 y 1810, cuando se habla de “Independencia” es respecto de Francia, no respecto de España.
5. El problema se complica a partir de 1810, cuando Napoleón aplasta la resistencia en España y se disuelve la Junta de Sevilla, instalándose en Cádiz una sombra de gobierno español llamado el Consejo de Regencia el cual mostró dos gestos contrapuestos: ordenó la instalación de Juntas Gubernativas con participación de los criollos en las ciudades americanas y pretendió sostenerse como legítima autoridad heredera de la monarquía (ausente).
6. En América, la élite criolla exigió a los virreyes la instalación de las Juntas Gubernativas con su participación y a su vez cuestionó la legitimidad del Consejo de Regencia. Aquí empezó el conflicto que llevaría a las guerras civiles de toda la década de 1810-1821, porque las autoridades y funcionarios monárquicos (Virreyes, alto clero, militares, reales audiencias, etc.) y los comerciantes y propietarios españoles, se negaron a modificar el sistema político reconociendo esos derechos a los criollos.
7. De hecho, las proclamas de 1809 – 1810 no fueron por la independencia, sino exigiendo la instalación de Juntas de Gobierno. Es decir, se exigía autonomía, no independencia. Cuando se apeló a la teoría jurídica para justificar esta autonomía no se hizo citando a los ilustrados europeos del siglo XVIII, sino a las Partidas de Alfonso X, y la llamada “retroversión de la soberanía” ante el vacío de poder. Era la vuelta a la soberanía del pueblo, pero el pueblo representado por los criollos a través del cabildo.
8. El proceso fue más radical en Nueva Granada, donde la guerra civil radicalizó a la sociedad, permitiendo que el ala radical e ilustrada asumiera el poder sacándolo de manos de los criollos conservadores, para enfrentar a los realistas. Así se proclamó la independencia efímera en 1811 en Caracas, Bogotá y Cartagena. Independencias que fueron aplastadas a partir de 1814, luego de la restauración de Fernando VII. En las Provincias Unidas del Río La Plata, la independencia recién se proclamó en 1816 por presión de San Martín. En el resto no llegó hasta 1821. En Nueva España Morelos proclama independencia en 1813, pero con un alcance limitado a zonas marginales de la sierra.
9. Nótese que las actas de independencia son proclamas de los cabildos de ciudades, no de “naciones”, como se ha querido hacer ver. Los estados nacionales hispanoamericanos nacieron luego de la independencia en un proceso que tardó varias décadas. Por ende, la independencia no tuvo que ver con liberación nacional, sino con una revolución política. No podía haber identidades nacionales si no existían estados nacionales.
10. Irónicamente, el proceso de independencia se consolida a partir de 1821, pero en algunos casos, como en Nueva España (México), con la “Conspiración de La Profesa”, el proceso tuvo como motivación inicial oponerse al gobierno liberal del general Riego, que había obligado a Fernando VII a aceptar una monarquía constitucional (Constitución de Cádiz de 1812). Es decir, los gachupines mexicanos intentan una independencia anti ilustrada, antiliberal, promonárquica, pero que luego se les complicó.
11. Evidencia histórica de que las independencias hispanoamericanas no fueron de inspiración francesa o ilustrada es que los estados surgidos de ella sufrieron a lo largo de todo el siglo XIX numerosas guerras civiles, entre conservadores que procuraron mantener el antiguo régimen colonial y sectores liberales modernizantes con objetivos ilustrados. Pero incluso, cuando estos últimos triunfaron quedaron mediatizados sus objetivos.

Para mayor referencia remitimos a nuestro libro “Independencia hispanoamericana y lucha de clases” (https://sociologia-alas.org).

 

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¿Wappin? Music for a July day / Música para un día de julio

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home on the farm
Putting up a lime crop / Preservando una cosecha de limones. Foto por Eric Jackson.

Música para un día lluvioso
Rainy day music

Margarita Henríquez – Y Cuando Suba La Marea
https://youtu.be/474TkM78hic?si=oYpee_KUhFtAdYsk

Silvia Pérez Cruz – Tiny Desk Concert (2024)
https://youtu.be/zoAs0-nXPQM?si=7lT37XBhnKCtgMHq

Gladys Knight – The Way We Were
https://youtu.be/xo9txNRlUHo?si=pAg8w8s4kfK0bYi5

Astrud Gilberto – Show Completo (1987)
https://youtu.be/5O6-RjAGvrI?si=BBzfMebVcsLKH1H0

Patti Smith – After The Gold Rush
https://youtu.be/yrhtGXwl4Bo?si=MKLp6cfz1RcOq-Xu

Melissa Aldana – Concert with the Frankfurt Radio Big Band (2021)
https://youtu.be/sOY5yr4k6mM?si=dXtgxN9XPMtBndB_

Celtic Lands, Mairead Nesbitt & Harp Twins – Kid on The Mountain
https://youtu.be/jdtzqYqcaE0?si=ABsAxJrs_ovuqmJD

Haydee Milanés – Concierto Estoy Contigo (2022)
https://youtu.be/_cB0GBCPWP4?si=RV3CdHAFclm_2IAA

Eva Cassidy – People Get Ready
https://youtu.be/bzLd2MDAHK8?si=ZeoOSP-bkbvixRzN

Para defendernos de los piratas informáticos, los trolls organizados y otros actos de vandalismo en línea, la función de comentarios de nuestro sitio web está desactivada. En cambio, ven a nuestra página de Facebook para unirte a la discusión.
 

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The mega-projects on Panama’s list

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Monorail
From Arraijan to La Chorrera, you can’t travel the Pan-American Highway without noticing the Metro monorail construction. Notwithstanding many questions – for starters why a monorail instead of extending the existing Metro system’s light rail lines – this project is happening. Photo by Eric Jackson, taken from a bus.

Mega-projects – which are or may not be happening, who might gain and which should be put out of their misery

by Eric Jackson

Why was former president Ricardo Martinelli sentenced to prison? Why did the former presiding magistrate of the Supreme Court, Alejandro Moncada Luna, get sent to prison? They may allege criminal defamation because the convictions were formally for subsequent or consequential financial crimes, but the underlying offenses were graft, as in arranging for overpriced construction contracts going to selected organizations and taking a skim out of these overcharges.

So, with Martinelistas back in power and Moncada Luna showing up at Mulino events, shouldn’t we be suspicious? Moreover, with a notoriously corrupt PRD crowd mostly leaving office, and looking past them to all the governments since the 1989 US invasion, should WHO is now in be much more suspect than WHAT is proposed or underway? And then THIS reporter first learned about urban policy mostly on the job, in elected and appointed posts in a small city near Detroit, reading widely and looking around.

I seen my opportunities and I took ‘em” is an attitude not invented by the guy who said that. Wherever and whenever, those who think and act that way are characters of whom people should be wary.

With such caveats and others in mind, and looking at the lay of the land and the needs and wishes of various Panamanian social sectors, let’s look at some of the major construction projects underway or proposed.

Line 3
A big part of the Metro Line 3 plan is for park and ride facilities, and another part is bus and train interchanges. Map by the Metro de Panamá.

Line 3 of the Metro, the monorail

Starting at Albrook, passing through a tunnel more than 150 feet below the canal and out to the population centers of Arraijan and La Chorrera, this project is underway and is unlikely to be shut down now. It would be a huge political disaster if it was. Not only because it would be an in-everybody’s-face failure, but because in part it would be squandering a gift from Japan, which subsidizes much of the planning and construction management.

Perhaps the biggest advantage would be beyond the line’s reaches, with people driving into the city from the Interior being able to park their cars, get on the monorail and be in the city in short order. That would relieve congestion on the bridges across the canal and in the capital itself. There would be some of that effect in the other direction too, with parking in Albrook and Balboa to get on the monorail and across the canal into Panama Oeste. Get past the madness and hop on a bus at La Espiga in Chorrera, to be on your way to Coronado, El Valle or beyond? It would also be an attraction for many going the other direction.

We can argue about why a monorail instead of an extension of the other Metro lines’ light rail, but regardless of that and other questions, this project promises to change many urban realities for the better.

corredor caribe
The Corredor del Caribe, now stalled pending further litigation before the Supreme Court. Photo by Adopta Bosque Panamá.

The Corredor del Caribe

A 28.4 kilometer road through secondary forests between Quebrada Ancha and just west of Maria Chiquita on Colon’s Costa Arriba, this project is a good illustration of the fallacy of “residential tourism.” As in real estate speculators claiming the mantle of tourism promoters. As in an $87 million project intended to benefit one developer in particular, but which would open the way for much more deforestation along the route, which would be a shortcut from the Panama – Colon Autopista and Transistmica over the ridge to the road along the coast to Portobelo and a bit beyond. Zip right along. They got the former minister of public works, Rafael Sabonge to go along – what could possibly go wrong?

Via TVN. Portobelo Chamber of Tourism president Cristóbal Valencia gave us assurances. The road would not go through designated national parks, or primary forests. That the area being destroyed is rich in wildlife is no big problem, Valencia said. There are ways to move the birds and animals that call the area home to somewhere else.

The Panama Canal Authority is less convinced. This project deforests part of the Chagres River Watershed, potentially affecting rainfall and reducing available water for canal operations. Environmentalists are aghast. We get this optimistic prediction about the road itself, but not the developmental sprawl and deforestation that would follow.

Whatever the court rules, this is a PRD pet, so politics may stop it regardless of the law. A few folks might be incensed about losing that most central of human rights, return on investment. This thing can die without anyone else missing it.

Panamanian law, unlike the Anglo-American Common Law systems, does not get so much into history. But here, if the argument of the projects promoters and defenders about only secondary forests being affected gets enshrined as a principle in our environmental laws, just about everywhere in this country is vulnerable. There is very little primary forest in Panama. The Spaniards conquered a heavily farmed land, one where swidden agriculture was the norm. Cut away a patch of forest, burn what’s cut, then with the ash as fertilizer grow crops for a few seasons before abandoning it for the jungle to grow back and start over on another patch. The Europeans brought not only guns and horses to subdue the locals, but far more effectively if unintentionally they brought in diseases unknown to the pre-Columbian peoples of the isthmus. There was plenty of brutality in the conquest, but the most deadly things were the plagues. So as indigenous farms were abandoned and the forests grew back and became habitats for wildlife again, does the natural growth of the past five hundred years not count? Are only forests cut down in more recent times “secondary” and thus apt to be cut down again? Do we really want court decisions based on the denial of Panama’s human and natural history?

Then there is the consideration of “environment” as more than the bird and bees and flowers and trees. The Colon coastal road to which the Corredor del Caribe would connect. That in short order became an attraction for Colombian drug launches. Only later was policing enhanced. So, do we want a rapid shortcut to Panama’s urban areas from that dope road? And of course it’s not just drugs, but guns and ill-gotten cash, and fugitive criminals and illegal migration.

This project should be an easy throwaway.

mulino et al
Mulino’s first cabinet meeting declared this one a priority.

The Panama – David train

At its first cabinet meeting, the Mulino government announce the creation of a Natonal Secretariat for the Panama – David Train. It’s a project that has been talked about for years, a proposal that was extensively sketched out during the Varela years and then flatly rejected by the Cortizo administration.

For Mulino the train is the centerpiece of a major effort to meet the “notorious emergency” of a crumbling and inadequate land transportation system. This project is going to happen.

Will it meet future needs in light of rising seas? Is it the best route for national development? Will a Chinese company get the job, annoying the United States? These are all real questions, but not insurmountable barriers.

The biggest problem with this project is the context. It’s undertaken without benefit of any overall national development plan. Will it be just a passenger service, or also a means to quickly move perishable agricultural products from farms to the city? Will it swing upwards to connect places like the Ngabe-Bugle Comarca to the rest of the country? Where will it go in Panama City? Will it be more or less an express service, or one with many stops?

The government will muddle through these things, we will get a train and also a bill for it. Then we’ll be able to better judge whether it was a good investment.

Chorrera
This one is underway, and has been. It’s a traffic nightmare in Chorrera. The idea is to run from from an interchange with the Pan-American Highway to a road along the beaches out to Chame or so. Photo from Vivi Montagne’s Twitter / X feed.

Corredor de Las Playas

Here again we have a project that seems mostly for the benefit of real estate speculators, this time a species who want to sell “beachfront properties.” But much of that “beachfront” is environmentally sensitive mangrove forests.

It’s a throwaway that’s not likely to be thrown away.

climate change map
Climate change is real, but Panamanian government estimates of our vulnerability to it may not be. Government maps? It seems that when it comes to the Atlantic Side there is a paucity of maps showing the road infrastructure – by and large, from Miguel De La Borda in Colon to Bocas del Toro there hardly is any road along the coast. Access to and exports from the copper mine were designed to be by sea. Yet for many years there has been the suggestion that Panama needs a good road all along the Caribbean Sea from Colon to Bocas. Map by the Tommy Guardia institute.

The road from Colon to Bocas

When the copper mine is definitively kicked out – all of their toxic semi-processed ore, their machinery, their corporate security guards gone – there will remain this port along the coast, and roads that wind across the isthmus to Penonome. There will be the temptation for wildcatters to move in and look for gold on their own. There will be a need for police to guard against that, and against criminal gangs from taking over and using the port for their nefarious ends.

When you think about it, there is mixed news in that. Finish the long-contemplated road and it would attract smugglers, so there would be a need for cops anyway. Convert the port to a little facility serving our central provinces and there would first be a roadbuilding base and ultimately a facility that might serve the farms, businesses, tourism and residential conveniences of such up-over-the hills places as El Valle, Penonome and San Carlos.

But think about the vulnerability of our country, with only one main drag, the Pan-American Highway along the Pacific Side. Despite the policing issues, a parallel road along the Atlantic Side, with connecting roads here and there, would enhance Panama’s national security in the face of many possible calamities. It would spread our economic development around.

However, there is this stereotype about Colon. High crime, low potential, all of that stuff. The clichés are often enough expressed in overtly racist terms.

Panama is deep in a public debt hole and private investors who don’t intend to loot are hard to come by. It’s likely that this road, a worthy idea, is not happening anytime soon. That’s a pity.

The area around the Rio Indio that has been in legal and political limbo for years, but is now back in a position where the Panama Canal Authority can declare eminent domain, build a dam or two and expand the water supply to run the Panama Canal and for other uses. Map from the Gaceta Oficial.

Damming Rio Indio

Richard Fifer is in prison for fraud, his company’s CEO and her son the would-be PRD president are in disrepute, the Canada-based company that bought part of their mine concession to put in the infamous copper mine is probably the single most hated company in Panama and the attempt to wrest dibs on the Rio Indio waters is at an end with a recent Supreme Court decision. There will be one or more new dams to create a reservoir west of Gatun Lake to alleviate chronic Panama Canal water shortages. There is more or less a national consensus to do this.

That would not end all controversies. For years, at just about every opportunity, the Panama Canal Authority (ACP) has hinted that in such an undertaking rabiblanco business mores rather than solidarity among Panamanians would apply. Remove the people in the way of the dam as cheaply as possible, with no concerns about ways of life or established communities. The new lake could be created with those displaced being treated with dignity, respect and generosity. Old farms could be replaced with new farms, even better farms. On the other hand, a bad imitation of stingy billionaire power plays could get Panama’s roads blocked off again.

If done right, the new lake’s water would not all be needed for canal operations and a lot of it could be siphoned off for agricultural and household needs. Would we still hear somebody say that it would be better used to process metal ores? Hardly anybody wants to hear THAT.

The estimate is that it would take six years to build such a project. The political estimate is that in the meantime there would be an attempt to promulgate a new Panamanian constitution, in the drafting of which issues of water rights and the status of the ACP would likely be broached.

 

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Chinni & Pinkus, Common ground among a divided US electorate

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For a country that often feels hopelessly divided, it turns out that there is a lot of agreement among Americans. Graphic by ZIPNON – pixabay.com.

American voters largely agree on many issues, including topics like abortion, immigration and wealth inequality

by Dante Chinni, Michigan State University and Ari Pinkus, Michigan State University

As the presidential election campaign heats up, media coverage suggests Americans are hopelessly divided and headed for a difficult fall – perhaps also a tense January.

But that isn’t the whole story, according to reporting and poll results from the American Communities Project, a journalism and research effort we lead that is based at Michigan State University that analyzes the country by looking at 15 different community types.

In fact, on issues and policies where government has a serious role – such matters as taxes, immigration, the state of the economy and even abortion – a 2023 survey from the American Communities Project, or the ACP, found a great deal of agreement in the 15 community types we examine.

But when the topic turned to “culture war” issues (religion, gender identity, guns, family values), the differences were deep.

That divide between talking about “policy” and talking about “culture” – between arguing about “what we want” versus “who we are” – is having a hugely divisive impact on the nation. And if politics and governing are going to get more productive, Americans need to find a way to move past the issues around cultural identity.

Broad agreement on policy

We saw the policy/culture difference in our 2023 survey.

The 15 community types in the ACP are very different from one another demographically, geographically and politically. The deeply rural, largely white community type we call “Aging Farmlands” – small rural counties spread across the Great Plains – gave 79% of their vote to Donald Trump in 2020. The densely populated and diverse group we call “Big Cities” – counties home to most of the nation’s 50 largest cities – gave 66% of their vote to Joe Biden.

And yet, on a range of questions concerning policy or the state of the nation, there was wide agreement.

For instance, in every one of the community types, more than 60% of those surveyed said they thought “the American economy is rigged to advantage the rich and the powerful.” On the statement “The U.S. government should cut social programs in order to lower taxes,” no more than 38% agreed in any community – a question we dug into with voters in Florida in a voter roundtable discussion.

Even on the thorny issue of abortion there was agreement around the statement “Obtaining an abortion should be a decision made by a woman in consultation with her doctor, without the government’s involvement.” More than 50% in every community type agreed. Many polls show high levels of support for keeping abortion legal, but the agreement across the different ACP types was surprising to us.

To be clear, the areas of agreement didn’t all favor Democratic positions. The statement “America would be better off if we let in more immigrants” didn’t get to 30% support in any community type. And “Government should take a more active role in policing private-sector behavior” didn’t get above 45% support anywhere.

Regardless, for a country that often feels hopelessly divided, that is a lot of agreement on statements that center on government action in one way or another.

Questions of culture

But when cultural issues were the focus of the poll, the well-known divisions appeared across our communities.

The widest chasm in the survey came on the statement “The right to own a firearm is central to what it means to be an American.” Overall, 49% of Americans agreed, but the divides by community type and landscape were stark.

In the rural “Evangelical Hubs,” based in the South and Midwest, 71% agreed that owning a gun is central to what it means to be an American, while in the “Aging Farmlands,” concentrated in the Central and Great Plains, 73% did. In the “Big Cities” and “Urban Suburbs,” outside of cities, the centrality of this right dropped to 30% and 34%, respectively.

There were similar divides around gender identity.

Those surveyed were asked whether they agreed or disagreed with the statement “People should be free to express their gender identity however is best for them.” Gender expression was much more accepted in diverse communities, such as “Big Cities” “Urban Suburbs” and rural “Native American Lands,” at 61%, 60% and 60%, respectively. In rural blue-collar “Working Class Country” and “Evangelical Hubs,” the numbers sat at 37% and 32%, respectively.

Faith and religion

At the national level, there was something of a coalescing on the importance of faith and religion.

Overall, 58% agreed that “Faith and religion are important parts of American life.” But again, there were large differences by community type.

In the “Aging Farmlands,” faith and religion’s importance reached 77%, in the “Native American Lands,” 73%, while in the “Evangelical Hubs,” dominated by Christian evangelicals, it was 70%. Comparatively, in the “Big Cities” and “Urban Suburbs,” it was 47%, a difference of more than 20 points from these rural communities.

And there were sharp splits on the statement “Traditional structures for families, with a wage-earning father and homemaking mother, best equips children to succeed.” The percentages that agreed were highest in the “Native American Lands,” at 59%, and in the rural communities of “Christian faith,” “LDS Enclaves,” at 55%, and “Evangelical Hubs,” at 54%. The “Big Cities,” “Urban Suburbs” and “College Towns” were at the other end of the spectrum, at 33%, 36% and 36%, respectively.

Political debate ‘hijacked’ by culture fights

These issues – guns, gender, faith and families – clearly matter deeply to many Americans. But how much do they have to do with politics?

People are going to hold the beliefs they hold on gender or live by their personal ideals about faith and family regardless of who is in the White House. The government realistically cannot police every bedroom and kitchen table in America. The question about guns can be discussed as a matter of the U.S. Supreme Court’s constitutional interpretation as much as one’s personal belief, but that issue, too, is very personal, as we learned when we talked to people about it in Michigan.

In many ways, these culture fights have hijacked the political debate when there is broader agreement on issues in which government really does play an important role.

Of course, agreeing on the importance of key issues is not the same as agreeing on what should be done about them.

We know from our work talking to people in these different communities that their respective answers on how to handle a “rigged” system or taxation or abortion or immigration would likely be different. But those conversations are about give-and-take and hashing out answers. That’s the point of politics and different from the culture fights that dominate our discussions.

In a nation of 330 million people, there will never be easy answers to “who are we?” In fact, the country was designed to largely leave that question open within broad parameters.

But until politics moves on to the more relevant question of “What should we do?” the deadlock and tensions Americans feel in the 2024 election likely aren’t going to change.The Conversation

Dante Chinni, Director, American Communities Project, Michigan State University and Ari Pinkus, Manager, American Communities Project, Michigan State University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

 

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Corbett, Where are the crowds of Democrats demanding Biden’s replacement?

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Joe Biden meets with supporters this past 4th of July in Iowa. So far, one journalist noted, “the loudest voices trying to force him out of the race are elites: major media columnists and wealthy donors.” Photo by Gage Skidmore.

If Biden ‘must step aside,’ why aren’t Democrats filling the streets to demand it?

by Jessica Corbett — Common Dreams

The number of congressional Democrats urging President Joe Biden to drop out of the race for the White House grew on Tuesday, but many of their colleagues—along with other elected officials and voters—remain supportive of the aging Democratic leader’s effort to beat former Republican President Donald Trump a second time.

Since Biden’s poor debate performance last month sparked concerns about whether he can defeat Trump and effectively serve another term, the president has remained defiant, insisting that he is determined to stay in the race—as he made clear with a Monday letter to Democrats in Congress that he also shared on social media.

Not only does the movement to convince Biden that he “must step aside” before the Democratic National Convention in August appear to be failing, “it’s failing in a very predictable way,” according to David Dayen, executive editor of The American Prospect.

“Though polling has consistently registered massive public concern with Biden’s age and his ability to withstand the rigors of a high-stakes campaign, let alone another term in office until he turns 86 years old, the loudest voices trying to force him out of the race are elites: major media columnists and wealthy donors,” he wrote Tuesday. “They lack democratic legitimacy and the public’s respect, even as they are expressing the popular will. And they have given Biden the opportunity to parry their attacks simply by employing the politics of resentment.”

“There is one group trying to change this. A very new organization (it literally started last Friday afternoon) founded by a handful of Democratic organizers called Pass the Torch is trying to motivate ordinary Democrats to speak out about the need for a stronger ticket to defeat Donald Trump,” Dayen pointed out. While the group has a petition and is talking with convention delegates, he added, “an effort like Pass the Torch will really only derive legitimacy from having a large number of rank-and-file voices behind it.”

Reflecting on Biden and Trump’s disastrous debate in a Tuesday opinion piece for Common Dreams, writer and retired mental health worker Phil Wilson asserted that “members of a sane society would be thundering angrily through the streets given the choice between a smoldering ghost and an aspiring Nazi monster.”

Wilson continued:

Who chose these two? Why are 50 million people curled up on couches, wrapped around plastic bowls of popcorn while these terrible, inept, and heartless fools cough up lies and trivial asides? We reflect upon levels of dementia and Nazi wannabe evil as if they were existential givens. Of course we all must decide on November 5th which genocidaire we prefer, the one who bombed the children of Gaza or the one vowing to deport up to 20 million innocent people. Do we pick the one who can barely remember his own name or the guy with a swirling vortex of hatred orbiting his eyeballs?

“This election is a farce—the dying throes of a criminal society, the death spasms of a plundering oligarchy that once devoured most of the world and now cannibalizes its own,” he concluded.

Also writing for Common Dreams on Tuesday, University of Essex professor Peter Bloom argued that “the recent Trump-Biden debate served as a grotesque apotheosis of ‘great man’ politics, laying bare the dangerous fallacy of entrusting democracy to the outsized personalities of flawed individuals.”

“The future of democracy, in the US and beyond, depends on our ability to move beyond the cult of personality and reclaim politics as a collective endeavor,” according to Bloom. “The alternative—a continued descent into gerontocratic oligarchy thinly disguised as populism—is too dire to contemplate. As we watch two aged politicians compete for the chance to lead a nation in crisis, let it serve as a wake-up call. The era of great men is over. The real work of rebuilding our democracy is just beginning.”

Biden’s campaign and supporters continue to frame his reelection as crucial to the fight to save US democracy—particularly given that a victorious Trump would be armed with new king-like powers, thanks to a recent U.S. Supreme Court ruling.

As John Nichols, a national affairs correspondent for The Nation, noted Monday, Biden himself “says that the country is at ‘an inflection point,’ where the future of American democracy is at stake.”

“This requires more than putting in your best effort in a controlled setting,” Nichols wrote, describing Biden’s Friday rally in Wisconsin as “serviceable” but far from what is needed. “It requires an absolutely determined candidate and a big, bold, risk-taking campaign that inspires Wisconsinites, and voters nationwide, to defeat Trump and Trumpism. If Biden really is determined to stay in this race, he owes it to himself, his party, and his country to be all in.”

The president has received similar advice from progressives in Congress. Since the debate, Senator Bernie Sanders (I-VT)—who sought the Democratic presidential nomination in 2016 and 2020—has stood by Biden but also stressed that he must “do better,” for which the senator has received some criticism.

Progressives in the House were noticeably quieter—as Slate’s Alexander Sammon noted last week, “There’s no real upside for Squad members to put themselves in the line of fire during an already bitter public deliberation”—until multiple members of the informal group confirmed support for Biden on Monday.

“The matter is closed,” Representative Alexandria Ocasio-Cortez (D-NY) told reporters Monday evening, citing her weekend conversation with Biden and his repeated statements over recent days that he has no intention of stepping aside. “He is in this race and I support him.”

“Now what I think is critically important right now is that we focus on what it takes to win in November because he is running against Donald Trump, who is a man with 34 felony convictions, that has committed 34 felony crimes, and not a single Republican has asked for Donald Trump to not be the nominee,” she continued.

Ocasio-Cortez explained that she has “communicated” to Biden that winning the election will require Democrats to “pivot and increasingly commit to the issues that are critically important to working people across this country,” including rent and mortgage relief as well as the expansion of Medicare and Social Security.

“And if we can do that and continue our work on student loans, secure a cease-fire, and bring those dollars back into investing in public policy, then that’s how we win in November,” she added. “That’s what I’m committed to and that’s what I want to make sure we secure.”

With lawmakers back on Capitol Hill following the Independence Day recess, Democrats in both chambers held caucus meetings on Tuesday. While Senate Majority Leader Chuck Schumer (D-NY) told reporters, “As I’ve said before, I’m with Joe,” Politico reported that “many typically chatty senators almost entirely refused to talk with press about their caucus’ conversation.”

House Democrats met earlier in the day. Representative Dean Phillips (D-MN), who ended his longshot primary challenge to Biden and endorsed him in March, told reporters, “If this has been vindication, vindication has never been so unfulfilling.”

“I made my case eight months ago and I think it’s time for others to share their perspectives,” he said. “I’m deeply disappointed in a political system that has resulted in this dynamic that we now face.”

Representative Mikie Sherrill (D-NJ) joined the small but growing contingent urging him to step down, saying: “I know President Biden cares deeply about the future of our country. That’s why I am asking that he declare that he won’t run for reelection.”

As the Pass the Torch campaign highlighted on social media Tuesday, some congressional Democrats are worried that Biden remaining at the top of the ticket could have a negative down ballot impact.

At least one congressman who reportedly urged Biden to exit the race over the weekend, Reprsentative Jerry Nadler (D-NY), appeared to change course. He declined to comment on what he privately told Biden but said: “The president made very clear yesterday that he’s running… We have to support him.”

After House Democrats’ meeting, Rep. Hank Johnson (D-GA) toldPolitico, “My personal takeaway is that Joe Biden has tremendous support from the Democratic caucus, and we’re going to move forward.”

Rep. Pramila Jayapal (D-WA), chair of the Congressional Progressive Caucus, suggested in a Monday statement that even as public and private conversations are taking place within the party about the best way forward, nobody should forget the core differences between what Democrats and Biden represent compared to Trump and his Republican Party.

“Make no mistake, the foundation of our democracy is at stake in this election,” said Jayapal.

“Any reporter or pundit who is asking about or talking about the aftermath of President Biden’s debate performance and his health,” she continued, “should also be spending at least the same amount of time and energy talking to Republicans about why they are still supporting a convicted felon who incited an insurrection and wants to be dictator on day one.”

“Republicans should be calling for Donald Trump to step down as a candidate for president,” she added. “The press should be covering for the American people the dozens of lies he told at the debate and the horrific statements he continues to make about immigrants and women. They should be asking every single Republican member why they support the democracy-destroying Project 2025.”

While Trump has recently tried to distance himself from Project 2025—spearheaded by the Heritage Foundation, one of the sponsors of the Republican National Convention in Wisconsin next week—the Biden campaign and other critics have called “bullshit” on the frequently dishonest former president’s claims.

“After trying and failing to cover up his deep ties to Project 2025 authors and Heritage Foundation leadership, Trump is putting his MAGA besties on full display,” Biden campaign spokesperson Ammar Moussa said of the convention sponsorship Tuesday. “Donald Trump can’t hide from Project 2025—it’s his agenda, his vision, and his dangerous and extreme plan for America’s future.”

Editor’s note: THIS Democrat? Yes, there is concern about Joe Biden’s health and an understanding that we have far from complete information about it. However, there is confidence that we have a “Plan B.” That’s Kamala Harris and I share the faith with most other Democrats that if need be she could step right in and serve the nation well. 

 

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Movimiento Democrático Popular, Intentarán reducir las pensiones

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rawk
Foto por la Caja de Seguro Social.

Los sectores empresariales intentarán reducir las pensiones de los jubilados

por el Movimiento Democrático Popular

En un reciente artículo habíamos llamado la atención sobre una posición del novel ministro de economía y finanzas, el que, de acuerdo a nota publicada por el diario La Estrella de Panamá el 2 de julio de 2024, habría afirmado que para enfrentar los problemas del programa de invalidez, vejez y muerte se necesitaría la cooperación del país, incluso de los pensionados.

Esta cooperación, entendida dentro de la política de choque adelantada por el actual gobierno junto a la cúpula empresarial, parece concretarse en la propuesta de Dino Mon, uno de los voceros de la cúpula empresarial, responsable de la Ley 51 y quien aspira a dirigir la CSS, cuando en el programa De Frente de Sabrina Cabral, planteó que dentro de poco habría que recortar las pensiones vigentes entre un 40.0% o 50.0%. Se trata de una propuesta inhumana que llevaría a hundir más en la pobreza a los jubilados.

Desde luego que la suerte de los futuros pensionados será igual de difícil, dado que este personaje estima que se deben hacer cambios paramétricos muy profundos, que abarcaría no solo un incremento de la edad de jubilación. En una entrevista previa habría propuesto la “necesidad” de: elevar la tasa de cotización del programa de invalidez vejez y muerte de 13.5% a 18.0% del salario. y elevar el tiempo de cotización necesario para pensionarse de 20 años (240 cuotas) a 35 años (420 cuotas).

Enmascara la responsabilidad empresarial

A nuestro juicio las declaraciones recientes del señor Mon se dan en forma tal que sirven para esconder la grave responsabilidad de la cúpula empresarial en la situación del sistema solidario de pensiones de la CSS. Esto por varios motivos.

En primer lugar, siendo parte, como lo reconoció el señor Mon, del grupo que diseñó la Ley 51, él mismo debía reconocer que esta Ley, al separar el modelo de cuentas individuales llamado subsistema mixto (fundamentalmente de cuentas individuales) del solidario, también determinó que a partir del 2008 ningún nuevo cotizante podría inscribirse en el subsistema solidario, separando además los fondos de los dos subsistemas. Se creo así una situación en la que la última generación del modelo solidario quedó sin el respaldo intergeneracional que debería servirle de base financiera. Se generó así un enorme costo de transición cuyo monto se calculó en el momento en cerca del 145.0% del PIB. Se trató, en efecto, de una deuda con esta última generación, la que no fue reconocida ni pagada. En realidad, desde nuestra perspectiva, los que diseñaron y aprobaron la Ley 51 cometieron un delito de fraude contra la población asegurada.

Entre otras cosas se perdió la posibilidad de que el subsistema solidario (SEBD) se capitalizara con el boom económico y de empleo previo a la aparición de la pandemia. De haberse dado esta posibilidad, la situación no sería de un inminente colapso del modelo solidario, el cual tendría en su haber una reserva efectiva de no menos de B/. 5,400.0 millones.

La falta de fondos, la evasión fiscal y la evasión de cuotas

Otra forma en la que el señor Mon no fue capaz de evidenciar la responsabilidad del sector empresarial en los problemas de la CSS, está dada por su confusión entre la morosidad y la evasión. La morosidad, que el mismo propone borrar de los libros de la institución, y la evasión. La primera de estas se refiere a las cuotas no entregadas por los empresarios a trabajadores declarados a la CSS por sus empleadores. La segunda se refiere a las cuotas no entregadas a la CSS por empresarios que ni siquiera inscriben a sus asalariados en la CSS.

La evasión constituye una grave carga negativa para los ingresos de la CSS, teniendo en cuenta que, de acuerdo a cálculos de la OIT, los empresarios hacia el 2019 evadieron al 25.1% de sus empleados asalariados. Si se aplica este porcentaje a los asalariados del sector privado en agosto de 2023, se estaría hablando de cerca de 214,338 personas. Si se utiliza la mediana del salario como referencia, entonces, la evasión podría ser calculada en B/. 450.8 millones anuales, cifra que crecería en la medida en que el número de asalariados de la empresa privada se eleve.

Otro método para acercarse a la evasión es, observando las recaudaciones efectivas, comparándolas con las que se darían en el caso de un estricto cumplimento de la Ley. En este caso se tendría que entre el 2018 y el 2021 el total de evasión puede haber alcanzado a cerca de B/. 7,000 millones.

Un principio básico de la seguridad social, junto a la solidaridad y la universalidad, es el que se refiere a la subsidiaridad, el cual obligaría al gobierno central a apoyar a la seguridad social. Este elemento, que el señor Mon no abordó, está relativamente bloqueado en el país por el alto nivel de evasión tributaria (no pago de impuestos) del sector empresarial. Según datos de la DGI para el año 2021, último para el que existen datos, esta evasión alcanzó a B/. 7,838.6 millones, esto es 11.6% del PIB. Si tan solo el gobierno lograra recortar en un punto porcentual esta evasión y entregarla al programa de invalidez vejez y muerte, sus ingresos se elevarían en B/ 1,351.6. Si se redujera en 1.5 puntos porcentuales, este monto se elevaría a B/ 2,027.2 millones.

Las Cuentas Individuales no son solidarias

Las cuentas individuales, a decir del señor Mon, pueden ser manejadas con solidaridad, por la vía de asumir las asimetrías. La realidad muestra que, por el contrario, las cuentas individuales operan en un esquema en el que los riesgos son asumidos por quienes son los titulares de las mismas, mientras que las capitalizadoras cobran, a precios oligopólicos, por la administración, sin importar si existen rendimientos positivos o no.

Esto esta claro para dar algunos ejemplos, en el clásico documento The Economics of Pensión (2006) de Nicholas Barr y Peter Diamond (Premio Nobel de Economía 2010). También está claro en el trabajo de Henry J. Aaron titulado Social Security: Tune Ir Up, Don’t’ Trade It In (1999), donde señala que en el modelo de las cuentas individuales los riegos de pérdida de capital, de modificación de la tasa de interés y del desempleo, entre otros, deben ser asumidos por los asegurados.

De hecho, como es conocido las cuentas individuales generan pensiones de miseria. Un estudio del sistema de pensiones de Panamá realizado por el FMI en el 2015 mostró que quienes se pensionen en el 2050 o 2060 en el subsistema mixto, que es básicamente de cuentas individuales, lo harán con una tasa de remplazo que no superará por mucho el 20.0% del promedio de sus salarios en los mejores diez años.

La economía básica de las pensiones

Cuando el señor Mon afirma que el sistema solidario es un simple esquema de Ponzi, parece no entender lo que Nicholas Barr aclara en su importante artículo “Reforma de las Pensiones: Mitos, Verdades y Opciones de Politicas” (2002). En efecto, las pensiones siempre implican que los pensionados tienen que consumir utilizando la producción de la siguiente generación, de manera que existen dos formas de hacer esto. Una es un pacto social en que una generación acuerda sostener a la previa, con el compromiso de que a la futura generación le corresponda. La otra es tener una serie de activos que luego se venderán a la generación que sigue a cambio de la posibilidad de consumir lo producido por la misma.

En última instancia, en ambos casos esto solo es posible si la economía y la productividad crecen, llevando a un aumento de salarios reales en línea con esto. En economía con políticas neoliberales, ni siquiera es seguro que los ingresos del trabajo de las siguientes generaciones sean superiores a los de la actual. Entonces: ¿con qué van a comprar los títulos de valor acumulados por la pasada generación? Esto es clave en un país como Panamá, en que el estilo de desarrollo impuesto por los sectores dominantes no es capaz de generar empleo decente, mientras que los salarios se retrasan en relación al crecimiento de la productividad.

Salirle al paso a la política de choque

Frente a la situación que se nos presenta en forma de política de choque, en la que solo se daría un mes para el debate de la situación de la reforma del sistema de pensiones, solo queda salirle al paso a esa nefasta política. Es urgente profundizar en las tareas de generar conciencia y organización, a la vez que logramos movilización y optimismo en la defensa de la seguridad social solidaria, proponiendo una política efectiva para resolver los problemas. Esta pasa por volver al sistema solidario y establecer las bases para fortalecer sus finanzas como está plasmado en documentos anteriores.

 

Contact us by email at / Contáctanos por correo electrónico a thepanamanews@gmail.com

To fend off hackers, organized trolls and other online vandalism, our website comments feature is switched off. Instead, come to our Facebook page to join in the discussion.

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Editorials: Times change; and Not all mean campaigning is the same

0
homeless
The state of the economy, and how badly that city is run: somebody is camping out in the right-of way by the Pan-American Highway in Arraijan. Photo by Eric Jackson.

New game, new players

Coming down into the Interior from Cerro Campana the road is in woeful state and billboards are being dismantled. One offers to sell its component aluminum panels at bargain prices.

Who is advertising to sell what, through which medium – Panamanian law and culture have little transparency about such things, but there is a seismic shift with the government changing hands. Old informal business stands on the highway’s rights-of-way have shut down, others are popping up – is it about old political connections allowing de-facto permits giving away to new sets of these?

Alliances of bus and taxi syndicates are breaking up and forming.

There are more major construction projects on the agenda than the nation will be able to afford anytime soon. Will the most useful to the nation get priority over the bad ideas?

There are lots of questions to be answered over time, if ever. In a different configuration old politics won the elections, but those games can’t be afforded and won’t long be tolerated.

Wait and see. Speak out against what’s wrong, whoever is backing it; and for what helps Panama, no matter its proponent. And start some serious thinking about elections of delegates to a constitutional convention and what we want to see in a new founding charter for Panama’s government.

None of this is simple, but you’re not a simpleton, are you?

 

  

us
The unpleasant truth.

My, what an ugly election campaign – but don’t for a minute think that it’s all the same

them
A racist caricature of the truth.

  

her
Dorothy Parker portrait from the Library of Congress archives.

     

      That woman speaks eighteen languages and can’t say “No” in any of them.

Dorothy Parker     

Bear in mind…

Be less curious about people and more curious about ideas.

Marie Curie

The more we are unfairly targeted, the more our supporters across the country will want to prove that these attacks are inefficient.

Jean-Luc Mélenchon

A cult is a religion with no political power.

Tom Wolfe

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¿Wappin? Ya inició la larga cabalgata / The long ride has begun

0
Walkiria Chandler
Walkiria Chandler, que no fue elegida presidenta de la Asamblea Nacional pero es líder y símbolo de una nueva gran oposición independiente en nuestra legislatura. Foto tomada de su página de Facebook.
Walkiria Chandler, who was not elected president of the National Assembly but is a leader and symbol of a large new independent opposition in our legislature. Photo taken from her Facebook page.

El camino hacia la libertad no es fácil
No easy walk to freedom

Ariadna & Graciela Núñez – Danzas de Países Quiméricos
https://youtu.be/zVgvR3x7yr4?si=XARahCw2kP5-jHiL

Richard Wagner — La Cabalgata de las Walkirias
https://youtu.be/zsRLV5BKFtg?si=EmXiX3FDQw4T8aIU

Gaitanes, You Salsa, Jeinson Manuel, Cielo Torres, Willie Colón – De qué me vale
https://youtu.be/HygaIT3ukw0?si=TSH06PSthtaOFNnB

Cyndi Lauper – Time After Time
https://youtu.be/iWaIF7NfW_I?si=1A2y6GA3KUWVBaD9

Residente & Jessie Reyez – El Encuentro
https://youtu.be/6cLxjdbSB-4?si=t9A-teqgvkLhm3Aq

Jeff Beck & Joss Stone – People Get Ready
https://youtu.be/NNO4tT9LQD4?si=8OUhD9tmHWAIhOju

Rosalía – La Fama
https://youtu.be/e-CEd6xrRQc?si=_G-TXOmEMcnrSJlp

Danny Rivera & Yomira John – Concierto Siempre Amigos
https://youtu.be/1pku4P1M7pg?si=s9aYSW4e0ycjih0k

Miley Cyrus – Sweet Jane
https://youtu.be/eIwiODeHHwc?si=9Rp7CZXdNsTbUMHp

Starship – Nothing’s Going to Stop Us Now
https://youtu.be/tub93PAAO3k?si=3zkdTYc2xM76idD-

Los Ángeles Azules & Natalia Lafourcade – Nunca Es Suficiente
https://youtu.be/k76BgIb89-s?si=QrgkNNqOvn7s8FmK

Peter, Paul and Mary – No Easy Walk to Freedom
https://youtu.be/oNkY09V4T1U?si=MfjjqGxHFPP0WKgq

Boza & Elena Rose – Orión
https://youtu.be/fAFiHTyCioI?si=zaSupO7s237tiE3y

Kafu Banton – Soy Salvo
https://youtu.be/D3heOVS8t2c?si=J5g9lgyZnzWHd9Uv

Joshue Ashby & C3 Proyect – Concierto en Casa
https://youtu.be/luzNcWNPNr0?si=AcA_A8NWuRrp6V8b

 

Contact us by email at / Contáctanos por correo electrónico a thepanamanews@gmail.com

To fend off hackers, organized trolls and other online vandalism, our website comments feature is switched off. Instead, come to our Facebook page to join in the discussion.

Para defendernos de los piratas informáticos, los trolls organizados y otros actos de vandalismo en línea, la función de comentarios de nuestro sitio web está desactivada. En cambio, ven a nuestra página de Facebook para unirte a la discusión.
 

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