La banca y las familias en Europa se enfrentan a un golpe de realidad cada vez mayor por el covid-19. Al igual que ocurrió en la anterior crisis, el repunte de créditos refinanciados hace presagiar una avalancha futura de impagos. 

Haciendo un primer análisis de la encuesta de Cáritas international en Alemania publicada el pasado sábado 9 de Enero 2021, la encuesta refleja que los hogares Alemanes han sido impactados fuertemente por esta crisis Covid-19. La cuarentena afectó hasta el momento al 77% de los hogares, así como a todas las clases sociales.

Una Navidad atípica en Alemania en medio de la crisis

El mayor impacto se refleja en los ingresos familiares que han disminuido en un 68% en promedio hogar. Esto quiere decir que actualmente las familias en Alemania vivimos con tan solo un 32% de lo que acostumbrábamos disponer como presupuesto del mes: nivel socio económico A/B 39%, C 33% y D/E 26%. Como es de suponer esta situación precaria, especialmente en los estratos de menores recursos, nos hace pensar que la población mayoritaria en nuestro país escasamente cuenta con ingresos para la compra de sus alimentos que les permita subsistir. Un segundo tema de la encuesta se orientó a conocer de qué manera las familias de Alemania lograron sus ingresos durante la cuarentena

Un 54% echó mano a sus ahorros, entendiéndose como tal todo dinero de disponibilidad inmediata, como son los ahorros propiamente dichos en el sistema financiero, así como el dinero reservado para pagos de los servicios del mes, alquileres, viajes, arreglos de la casa, compras de electrodomésticos o implementaciones para el hogar, pensiones escolares o universitarias, pequeñas inversiones, etc, etc. Se agrega a ello los famosos »guardaditos» de los padres o abuelos destinados para sus gasto o gustos personales.

Una segunda fuente importante de recursos (25% de hogares) provino del trabajo habitual de uno o más miembros del núcleo familiar, toda vez que las empresas e instituciones públicas y privadas y negocios vienen cumpliendo con esta obligación en la medida de sus posibilidades.

«El 70% de las familias alemanas han acumulado deudas durante la cuarentena»

Cabe resaltar también como fuente de ingreso la »ayuda familiar» que se canaliza por lo general de padres a hijos o viceversa, así como entre hermanos o familiares directos. Este tipo de ayuda presente en circunstancias adversas es una característica que distingue a nuestra gente y nos hace sentir como un país solidario y siempre dispuesto a brindar ayuda a los más necesitados.

José Mateos, «Un español en Alemania»

Un 11% de las familias recibió el ingreso a través de los bonos concedidos por el Gobierno: 12% hogares del interior y 9% en Alemania – (aproximadamente 7 millones hogares a nivel . Un 8% de las familias obtuvieron sus ingresos haciendo uso de adelantos por concepto de su jubilación, Endeudamiento familiar: este es un tema sumamente preocupante que en este momento no es prioridad para las familias, porque hoy por hoy la prioridad es cómo alimentarse para no morir en la cuarentena, no a causa del Covid-19, sino de hambre. Por esta razón las deudas se vienen postergando para más adelante, porque no son prioridad en este momento.

La encuesta arroja que un 70% de las familias alemanas han acumulado deudas durante esta cuarentena: un 70% de ellas deudas con el sistema financiero (préstamos 59% y tarjetas de crédito un 11%). Por otra parte la mitad de la población del país adeuda servicios básicos como luz, agua, arbitrios, el »famoso trío», etc. Un 8% adeuda alquileres, entre las deudas más importantes. Se dan también otro tipo de deudas que tienen que ver con pensiones escolares y universitarias, préstamos familiares, entre otras.

Conclusión

La cuarentena Covid-19 está dejando a casi todas las familias de Europa empobrecidas, con un presupuesto familiar reducido a su mínima expresión que sólo les permite adquirir los productos alimenticios básicos para poder subsistir, y encima sin ahorros porque ya dispusieron de ellos para cubrir sus gastos. Deja además familias altamente endeudas con el sistema financiero

Hay que evitar señores Presidentes y señores Congresistas que los pobres de Europa que son los que más vienen sufriendo las consecuencias del Covid-19 se vean más afectados luego de terminada la cuarentena, cuando comiencen a recibir las insistentes llamadas de Embargos , las citaciones por parte de los juzgados especializados en este tipo de cobranzas, y finalmente cuando reciban las órdenes de embargo que comprometerán los pocos bienes que poseemos los deudores.  Cerrando  cuentas bancarias  es uno de los sistemas que utiliza la Administración Alemana para cobrar los impagos. Este proceso es más frecuente de lo que parece y sitúa al banco como mediador entre el deudor y el afectado por la deuda.

Jose Mateos Mariscal

1 COMMENT

  1. They make a superb addition to a bicep circuit routine as a outcome of
    they’re really easy to arrange and perform.
    Finally, you’ll prepare the all-important brachioradialis and brachialis muscular tissues with reverse
    curls so that your arms look muscular when they’re by your sides—not
    simply when they’re flexed. Performing bicep curls slowly will help enhance the mind-muscle connection that will assist you construct your biceps extra rapidly and effectively.
    It is especially useful to decrease the dumbbell slowly in the eccentric portion of the motion. If you’re on the lookout for more great workout routines to add to your dumbbell bicep exercises,
    you possibly can check out my article on Finest Dumbbell Workout Routines for Biceps to see more examples.

    Earlier Than you begin any exercise routine, be certain to
    seek the advice of your physician or healthcare practitioner.

    Add the three curl bar workouts listed in this train to your coaching regimen to
    maximise muscle stimulation whereas limiting joint strains.
    First, by adjusting your feet you may make this curl kind of intense so all people will be capable of do it.
    Second, the inherent instability of the suspension trainer will practice more of your physique’s stabilizing muscles, bettering your steadiness and stability.

    The biceps long head starts on the supraglenoid tubercle of
    the scapula (a small projection of the scapula near the shoulder
    joint) and inserts on the radius bone close
    to the short head. Yes, you have to be extra creative to construct your arms with bodyweight bicep workouts, and having a few tools round helps to get
    an much more satisfying biceps pump, however it can be carried out.
    First off, supersets enable you to cram plenty of coaching quantity (and thereby time under tension) into a very brief space of time.
    And performing enough coaching volume, because the research may be very clear on, is of paramount significance for stimulating hypertrophy.
    Many lifters underestimate this motion, however that judgement comes again to bite them
    when their biceps are burning from the lactic acid.
    «Keep your core tight throughout, and keep away from initiating the upward movement of the barbell through the use of your decrease again and hips to generate momentum,» she says.
    When we use a pronated place, we shift the load to the
    elbow flexor, which is the brachialis. This portion of the collection shall be accomplished with a pronated grip / overhand grip.

    Including eccentric workout routines can improve muscle
    architecture, notably beneficial for these aiming for each energy
    positive aspects and injury prevention. This train may
    be notably effective for addressing muscle imbalances as a result of its unilateral
    nature. While it requires good kind to avoid recruiting other
    muscle groups, it’s a solid alternative for enhancing
    bicep exercises and selling balanced development.
    The machine preacher curl is a favorite among
    lifters looking for effectivity and focus of their bicep workouts.
    The machine supplies assist and a set path, serving to to ensure correct kind and cut back the risk of damage.
    The barbell curl is a classic exercise that many lifters
    swear by due to its simplicity and effectiveness.

    After all, if you are going to work your biceps, you may
    as do them properly. If you wish to construct greater biceps, these 25 workout routines will help get you there.
    Perform them correctly, and it won’t just be your biceps that
    begin to bulge, your overall health will see an enchancment, too.
    The Incline Dumbbell Curl was mentioned
    within the previous section. When the place of the arm falls back behind the body, we place a
    bit more stretch and stress on the long head
    of the biceps.
    Maintain the contraction at the top for a hard
    one count, then slowly decrease the bar alongside the same path.
    Stand in front of a low-pulley cable with a brief straight
    bar hooked up. Adjust a preacher bench in order that the highest of
    the pad suits securely under your armpits. Take an inside-shoulder-width,
    underhand grip on the EZ-curl bar—so your palms are angled inward— and position your higher arms
    parallel to each other on the pad. This workout is for you when you
    train at residence (or simply love dumbbells). It’s a complete dumbbell arm exercise for constructing your biceps and
    triceps in the consolation of your home.
    To increase the speed of muscle growth in your coaching routine, ensure you are performing some heavy curls utilizing a barbell.
    Perform 1-2 weekly exercises for the ideal training volume to develop
    the biceps. In wrapping up, constructing bigger, stronger biceps is about more than just lifting weights; it’s
    about deciding on workout routines that work every element of the arm for balanced,
    efficient growth. From foundational moves like barbell curls to focused isolation workout routines like preacher and cable curls, each performs a job in building
    comprehensive power and definition. By incorporating diversified angles,
    constant pressure, and appropriate loading, you’ll have the ability to optimize muscle activation and
    decrease imbalances or overuse accidents. The beneath routine begins with a handful of 12-rep units of hammer, cable and Scott curls to get your arms
    gassed before heading to the traditional mass-building straight-bar curl.
    The workout finishes with a strong semi-isolated lift—seated dumbbell curl—that will help spherical out your biceps
    peak.
    One means to do this is to coach that muscle
    twice per week, giving it an extra workout.
    The variety of sets per week for a beginner is much less than that for an advanced.
    In different words, the earlier few repetitions should be troublesome
    to carry out, but you should have the power to keep your best kind,
    posture, and approach throughout the whole set. You can think
    of the train as if skullcrushers and shut grip dumbbell press
    had a baby. Guys, earlier than I show the final train within the arm exercise,
    I have to be trustworthy with you. What’s interesting
    is that despite the fact that the lateral and medial heads weren’t stretched anymore in the course of the overhead extension, they
    nonetheless grew considerably extra. Now, sadly, there’s no direct evidence looking at how well
    different exercises grow these muscle tissue.
    Lifting heavier weights to achieve bicep hypertrophy whereas preserving the wrists in a more impartial lifting
    position. Begin with a lighter weight and complete this transfer firstly of your arm workout, so the biceps aren’t already drained.
    You’re better off upping your reps and burning the biceps instead of including an extreme quantity of weight and not being in a position to complete more than a few reps.
    Problem yourself with extra weight on the barbell; due
    to your positioning and the burden distribution, you’ll most probably have the power to carry
    extra. Concentration curls must be carried out two to four instances a week.
    We’re breaking down 10 bicep exercises that can get you feeling swole, robust, and sculpted.

    Whereas that’s true, there are better ways to attain overload
    without sacrificing rigidity or risking joint strain. Workouts
    like preacher curls or Bayesian cable curls ship superior bicep activation and are
    much less taxing on the wrists and elbows.
    Maximizing biceps hypertrophy requires combining isolation and compound
    workout routines, optimizing stretch and pressure, and tailoring training variables
    like volume and repetition pace. Evidence supports numerous, systematic approaches to achieve balanced and effective muscle growth.
    Biceps hypertrophy relies on optimizing rigidity, stretch, and progressive overload during resistance workouts.

    Systematic evaluations emphasize combining compound
    and isolation workouts for maximal positive aspects.
    Reverse curls drive your brachialis and forearm muscles to do extra of the work.
    In addition, they’re a nice way to enhance your grip strength.
    Incorporating bicep workout routines into your higher body workouts is the simplest approach to construct confidence and swagger in your arms.

    Biceps brachii – the full name for the muscle
    on the front of your higher arm is biceps brachii, which
    implies two-headed arm muscle. Recognized because the biceps for brief,
    this muscle is answerable for flexion of the elbow,
    flexion of the shoulder, and supination of the forearm.
    The biceps have two heads (the long head and the brief
    head) which refer to the place they attach onto the shoulder joint.
    In this 30-minute dumbbell exercise to construct your biceps, we’ll hammer by way
    of these seven moves in a circuit.
    The tall-kneeling curl isn’t all about the biceps—it’s a full-body transfer that requires you
    to have interaction your core and glutes while curling.
    This variation maximizes biceps involvement by eliminating lower-body help while coaching core
    stability and hip mobility. With no method to cheat
    the weight up, this curl retains your biceps beneath tension, guaranteeing higher approach
    that leads to larger, stronger arms. Squeeze your glutes
    and core, hold your spine impartial, and focus on strict curls with out leaning again. Every time you work out,
    you create tiny, microscopic tears in your muscle tissues.
    Solely during relaxation can cells known as fibroblasts restore and rebuild the
    muscle tissue. Subsequently, it’s vital to allow enough time to relaxation to maximise muscle development.

    Although there are solely three exercises, don’t underestimate how challenging this exercise is.
    When you’re a beginner, you’ll find a way to grow from just a few units
    per body half per week. So by doing 9-14 units here, you’re going above and beyond the decision of
    obligation to make sure that you’re not leaving an oz.

    of muscle progress on the table. You are using your torso as the resistance to perform a biceps curl.
    Because you’re holding a towel in the impartial grip
    place, you’ll practice your biceps and forearms from a unique angle.

    The barbell reverse curl targets these smaller extensor muscles and the
    brachialis—a very important muscle beneath the biceps that enhances overall higher
    arm thickness and definition. With this variation, maintain your wrists straight, control the reducing, and
    avoid momentum. The positioning of the elbow out in entrance of your physique makes the
    Preacher Curl a fantastic brief head bicep exercise.

    However for higher gain, It is crucial to increase the stress placed on the muscle tissue progressively and
    practice varied muscle fibers with completely different exercises.

    Barbell workout routines are effective at recruiting your arm, which can be utilized to build size,
    as lengthy as they are accomplished at an appropriate frequency and volume.
    The brachialis muscle is likely considered one of the main muscle tissue within the higher arm.

    The overhead triceps extension is another nice exercise you are capable
    of do with a barbell during your arm workout. Nonetheless, this
    can scale back the range of motion if you’re using
    an incline bench, so I’d solely recommend doing it if you’re using an actual preacher curl bench.

    So, I spammed them with curls and pushdowns in every single arm exercise for larger arms, but that solely worked for therefore lengthy, and I had no concept that I wasn’t hitting all of
    the arm muscles. Aim to relaxation 2-3 minutes between sets so that you
    just don’t see any sharp strength drop-offs early within the exercise.

    Use a sluggish and managed rep tempo and concentrate on contracting the biceps with each rep.
    Please be at liberty to obtain the StrengthLog workout log
    app to coach this workout (and many more!) and track your
    gains. In distinction, the brachialis is an easy muscle,
    which crosses just one joint and is a pure elbow flexor.

    Utilizing a slim grip will make this a protracted head
    bicep train, whereas a wider grip will goal the quick head of the bicep.
    Possibly not, but the focus you’ll put on training your biceps during concentration curls is
    unmatched. We’ve put together an inventory of the perfect bicep workouts – that aren’t your commonplace dumbbell bicep curl.
    Biceps curls are the ultimate word arm-pumper – but are they enough to
    construct massive, sturdy biceps? And we’ve a few workout routines up our sleeve that
    will give you rather more bang in your buck. If you had been doing underhand chin-ups, use an overhand grip on your pulldowns.

    The preacher curl must be your go-to train if you
    wish to isolate your biceps completely. You place your higher arm in a
    fixed position, making it inconceivable to cheat or to make
    use of other muscle tissue to help curl the load up.
    The biceps brachii (or simply the biceps for short) is a two-headed
    muscle positioned at the front of the upper arm.

    The two heads (the quick and the lengthy head) start at totally different spots on your shoulder blade and be a part
    of together on the elbow. While we went over the compound workouts, remember that you
    still want to use this similar idea to the biceps.

    Coaching all three muscle tissue ensures a balanced arm, aesthetically and functionally, enhancing your general strength and definition. Superset the pairs of
    exercises famous, resting only after you full each moves.
    Now the best approach to discover out which head is lagging is actually
    just flex like in the mirror, and see which facet seems less developed.
    Or, just check out each workouts and see which one you find more difficult and offers you the better pump.
    You must place your arm in order that the trouble you’re placing is directed in line with the area you’re making an attempt
    to target. And the short head runs down the within — giving you extra of that inside peak.
    Count On expert-backed exercises, vitamin recommendation, the latest
    in strength sports, and an entire lot of motivation heading your way.

    References:

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