The problem of banking arises from governments granting them the right to use our money –the money we deposit in savings and other similar accounts– for risky investing ventures. They trade and speculate with our money. Investment bankers buy and sell securities, whether equity or debt. They also engage in financial engineering. Financial instruments have quite an upside potential, but buyers of these instruments should be aware of behavior characteristics that affect the marketing of these instruments. When markets drop, they are the losers, not bankers. Strict regulation is required to balance this equation. Banking executives playing this game at leisure are immune under the present system where they never risk being on the losing side, while they collect multimillionaire salaries and bonuses. Therefore, they will continue to take exorbitant amounts of risk. And governments keep bailing them out with more of our money.
They make the rules, and get the gold
July 14.─ The crisis has taught people a lot about the banking industry and the thought processes of its leaders. These lessons can be distilled into four golden rules.
1. The laws of supply and demand do not apply. When food producers compete to supply a supermarket, the retailer has the luxury of selecting the lowest bidder. But when it comes to investment banking, wages are very high even though the number of applicants is vastly greater than the number of posts. If the same was true of, say, hospital cleaning, wages would be slashed.
An investment bank, like a supermarket, demands a certain quality standard: it will not hire just anybody. But whereas it may be easy to identify a rotten banana, it is harder to be sure which trainee will be the next Nick Leeson and which the potential George Soros. That gives executives an excuse when things go wrong.
2. Success is down to my genius; failure is caused by someone else. When banks do well, and profits soar, the bosses are responsible for it all with their strategic cunning and inspiring leadership. Huge bonuses are therefore due.
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just want to share with you an excellent article on the Cuban healthcare by Lucía Newman reporter for Al Jazzera. Al Jazeera is finishing its activities in Cuba. Aparently the information on the truths and the tales of the healthcare is very difficult for the Cuban Government. 
Asombrosamente, el éxito de un negocio básico como es la venta de cuchillería Victorinox (foto de una tienda en La Habana) no es un caso aislado en un país donde el salario promedio es de apenas $18 mensuales (el más bajo de América Latina) y donde la gente se queja de que “no hay dinero”. El poder dinámico de la libre empresa, aun cuando se vea tan limitada y restringida como en la Cuba de los hermanos Castro, es un poderoso motor de la economía y del bienestar. Los "cuentapropistas" que aprovechan las escasas opciones de libre empresa que les otorga el régimen, son los potentados de un país donde tener 500 dólares debajo de un colchón en señal de prosperidad.
Desde 1989 Francis Fukuyama un politólogo estadounidense neoconservador ha sido muy citado e influyente a nivel mundial. Su artículo sobre el Fin de Historia destacó el triunfo final de la democracia y el capitalismo con la prosperidad de EEUU y la implosión del socialismo real en la antigua URSS y los países de Europa Oriental.