{"id":72917,"date":"2021-05-14T12:30:47","date_gmt":"2021-05-14T17:30:47","guid":{"rendered":"http:\/\/www.lospoliticosveracruz.com.mx\/?p=72917"},"modified":"2021-05-17T08:52:36","modified_gmt":"2021-05-17T13:52:36","slug":"resumen-semestral","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=72917","title":{"rendered":"Resumen semestral"},"content":{"rendered":"\n<p><strong>Teresa Carbajal<\/strong><\/p>\n\n\n\n<p><em>Debo, no niego; pago, lo justo<br><\/em><\/p>\n\n\n\n<p>Cerca de cerrar el primer semestre de este 2021 el escenario que vivimos no es alentador, la crisis econ\u00f3mica golpea fuertemente la econom\u00eda de las familias mexicanas con el aumento incontenible de precios en productos de la canasta b\u00e1sica y art\u00edculos de primera necesidad; la pandemia de carteras vencidas sin cifras reales; la espera (sin fecha) de la vacuna que nos haga inmunes a los fraudes bancarios, y la inminente aprobaci\u00f3n de cr\u00e9ditos de n\u00f3mina con cobranza delegada como m\u00e1ximo atentado al cobro de salarios completos y a la protecci\u00f3n que \u00e9ste nos brinda.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large\"><a href=\"http:\/\/www.lospoliticosveracruz.com.mx\/wp-content\/uploads\/2021\/05\/Batalla-Cordoba.jpeg\"><img decoding=\"async\" src=\"http:\/\/www.lospoliticosveracruz.com.mx\/wp-content\/uploads\/2021\/05\/Batalla-Cordoba.jpeg\" alt=\"\" class=\"wp-image-72571\"\/><\/a><\/figure><\/div>\n\n\n\n<p><br>Es verdad el aumento al salario m\u00ednimo ha tra\u00eddo mas males que bienes, cada d\u00eda el dinero alcanza menos y tendremos que seguir en b\u00fasqueda de nuevos m\u00e9todos que nos procuren ahorro en el consumo de bienes y servicios, comparar precios, calidad, frescura, durabilidad y garant\u00eda, tendr\u00e1 que ser la pol\u00edtica econ\u00f3mica de los hogares y proveedores de \u00e9ste para hacer rendir el ingreso. Evitar recurrir a pr\u00e9stamos o endeudamiento -salvo que se considere estrictamente necesario- nos mantendr\u00e1 a flote el resto del a\u00f1o.<br>Tal y como se previno hace un a\u00f1o cuando el confinamiento nos envi\u00f3 al arraigo domiciliario y la restricci\u00f3n de la movilidad cambio nuestra forma de vivir y el modo de obtener ingresos, los cr\u00e9ditos en curso que estaban siendo pagados con normalidad ser\u00edan afectados por \u00abmoratoria involuntaria\u00bb, b\u00e1sicamente por falta de dinero para pagar e incertidumbre de ingresos futuros, que en menos de seis meses socavaron los pocos ahorros que se ten\u00edan.<br>Pocos fueron los sobrevivientes a la falta de ingresos que pudieron liquidar de un solo golpe los pendientes de adeudo que ten\u00edan o que lograron conservar un fondo para sobrellevar el radical cambio que nos trajo la enfermedad mundial cuyo cap\u00edtulo final a\u00fan no termina de escribirse.<br>Ello sin hablar de quienes, ante la duda, optaron por ce\u00f1irse cual tabla de salvaci\u00f3n a los programas de diferimiento de pagos, con resultados al final de los plazos no tan favorables, para quienes no leyeron las letras chiquitas o el banco les cambio las reglas del juego una vez vencida la tregua cuando no hab\u00eda nada que hacer, mas que pagar conforme a lo acordado.<br>Y quienes hasta la fecha no han podido recuperarse, tienen que saber que no es el final, tenemos que seguir resistiendo, recuper\u00e1ndonos, y ahorrando para estar en la posibilidad de negociar t\u00e9rminos, plazos y cuant\u00edas justas con los acreedores, sin sucumbir a la primera reestructura que se nos presente, pues no siempre ser\u00e1n las mejores condiciones, las que se ofrezcan a alguien en \u00abapuros\u00bb o en situaci\u00f3n de excesiva presi\u00f3n o desesperaci\u00f3n por insolvencia.<br>Otro gran tema que nos sorprendi\u00f3 en el camino fue el de los fraudes bancarios, para el que todav\u00eda no hay cura, y del que nadie, absolutamente nadie est\u00e1 a salvo, no nos queda mas que revisar diariamente -si es posible- las operaciones bancarias que se hayan realizado desde nuestra cuenta para estar seguros de que todo est\u00e1 en orden, desconfiar de toda llamada aparentemente del Banco pues las noticias nos han dado una muestra de las m\u00faltiples m\u00e1scaras y papeles que interpretan los delincuentes para hacerse de nuestros datos personales y contrase\u00f1as, y si ya tienen el problema busquen una defensa adecuada para recuperar su dinero, no se rindan.<br>De la cobranza delegada que a\u00fan no sube al pleno, podemos decir que sin estar aprobada ya est\u00e1 operando; muestra de ello, el convenio que hizo p\u00fablico el Instituto Mexicano del Seguro Social (IMSS) para sus trabajadores a principios de este mes de mayo. Lo mejor es evitar todo pr\u00e9stamo que grave el sueldo de manera quincenal, al establecer un descuento peri\u00f3dico y autom\u00e1tico para el pago de la deuda, si tiene que pagar mejor que sea a trav\u00e9s de un pago directo hecho a su acreedor y sin intermediarios.<br>En fin, que mientras haya vida hay esperanza y los problemas econ\u00f3micos siempre estar\u00e1n a la orden del d\u00eda, aprendamos a enfrentarlos con honradez y sabidur\u00eda.<br>Agradezco y leo todos los comentarios que me env\u00edan, \u00a1gracias a todos!<\/p>\n\n\n\n<p>Llama al 2281148502 visite www.elbarzonrc.org Contacte elbarzonrc@yahoo.com.mx, O s\u00edgame en @terecarbajal<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Teresa Carbajal Debo, no niego; pago, lo justo Cerca de cerrar el primer semestre de este 2021 el escenario que vivimos no es alentador, la crisis econ\u00f3mica golpea fuertemente la econom\u00eda de las familias mexicanas con el aumento incontenible de precios en productos de la canasta b\u00e1sica y art\u00edculos de primera necesidad; la pandemia de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[6748,16929,15570],"class_list":{"0":"post-72917","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-de-opinion","7":"tag-crisis-economica","8":"tag-pandemia","9":"tag-teresa-carbajal"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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