Jt Tac 5 Recon Velocity Adjustment

Doubts on current social security system and information society

On TV we often hear about the fact that younger generations will have in retirement pensions paid contributions ... but that 'you do not hear is that all pensions will be hungry. There is talk of supplementary pension funds as if it were manna from heaven, the only possible solution and solved the Social Security for younger generations.

I have the impression that the solution proposed by large sections of society is far from satisfactory and indicates a short-sighted vision for the future of Italy.

First, In proposing the above answer, does not take into account the fact that the average return of the money has gone down significantly in recent decades and probably in the future will tend to drop more. In addition, contributions to a national average pay in a year to INPS is in constant decline for the emergence of increasingly precarious forms of contract and because 'the macroeconomic trends in the future require that every citizen can incur more and more often during periods of unemployment and increase the total number of unemployed. Furthermore, wages are always lower and close to mere personal needs. E 'likely that the European economy and even more so than Italian (for structural reasons) will be in a decline over the coming years more and more significant for the emergence, in an increasingly vigorous, Asian economies which represent the bulk of the world needs.

I'm not an expert in financial mathematics, but I tried to do the same math to figure out what makes a monthly payment figure x for a number of n years with annual interest rate and inflation p ( assumed constant Nelg n years) f .

I made this formula to calculate the monthly pension that I will have 'n years:

m = x * ((p +1) ^ (n +1) -1) / (p * n)

This value

but 'will have' a lower real value due to inflation, so

r = m / ((f +1) ^ n)

If I put p = 4%, f = 3%, n = 35 you get to a pension r (real value) of less than x .

If you consider the fact that the monthly payment x paid into the pension fund annual increases for inflation f, we get a different formula to calculate:

w = x * ((f + 1) )*((( p ^ n +1) / (f +1)) ^ (n +1) -1) / ((pf) * n / (f +1))

where w is the monthly pension received after n year considering its equivalent n after years of inflation. If I put

p = 4%, f = 3%, n = 35 you get to a pension w (actual value) of just over x: x-value around 100 € you get about 130 €.

I gave a look also equivalent to the coefficients that give the Italian Post Office and other banking institutions are similar to those calculated on the contrary actually slightly lower because there are also costs of maintenance and management of the fund.

In any case, reach in my opinion to a single conclusion .... the supplementary pension is miserable entity and shall not in any way meet the basic needs of an average citizen, let alone integrate satisfactorily miserissima already a state pension.

These observations lead me to be even more convinced of my old belief: we must rethink the one meaning of retirement. The state board is intended to ensure a minimum level of subsistence of those people that has proved unable to work because the old (or disabled or mentally ill), fail to perceive an auton gross earnings above the minimum of subsistence, they 'possess assets properties they can sell them financial returns such that they can live independently. Since each of us can unfortunately be in that situation it is right that the community take charge of this social burden to redistribute some of their wealth to those who need it.

E 'fitting then that should receive a state pension only those who need it and not all without distinction as it is now. It makes no sense to give a pension to rich industrialists who can live on a pension. It 'makes sense to give a pension to someone who has invested considerable capital in all its real estate but does not appear to have no liquidity.

Only in this way, in my opinion, can ensure a decent retirement for all of us young people: the only factor by which the pension can only be derived social justice. E 'unutile illusion that raising the retirement age, contributions and pensions by introducing a solution to the problem of pensions for the younger generation because all of these solutions suffer from the same problem: the low yield of the money accumulated in the fund is not sufficient to ensure a dignified life for a human being who is no longer able to get it yourself.

My Baby Too Much Phlem

The internal structure of society is becoming increasingly more complex and full of new components involved in the definition of contemporary society. It is no longer unthinkable distinguish the various sub-social dichotomies as it was in the past. An example in this direction could be given the answers to these questions: Are there really

only two poles in politics or ways of thinking and acting are diversifying more?
There is only one body that represents and defends the rights of workers or perhaps the union is still seen as representing only the interests of a niche minority of employees? The
ways to judge the work of a ruling class or even a single only to be counted in the expression of an Ok / No? How can deprive a class leader when it ruled in the right way even if it legislates for itself?


These simple examples, I think, clearly do see a major problem plaguing modern society: the management model of the various "elements" of the constituent companies is no longer appropriate and is proving to be too simplified to meet the new needs that continue to be born in this same company. Moreover, the increasing complexity makes it difficult to human compredere, trends, new needs and new issues emerging. In short, human beings have always harder to manage the system - society. The solution to this problem will, in my opinion, when will you take on a large scale computerized methods to handle each made of real world. In a sense, it is necessary to project the real world in a virtual world that allows you to manage the reality in toto.
The human being has been shown in history and the past always unreliable and corruptible: it does not seek to amend, by of course the terms in which falls the responsibility of, the model of reality '(represented by the laws and rules) to reality of the same things constantly, but tends to distort the rules, consciously or not, in order to adapt to their own selfish needs. It 'such a tendency that inevitably leads to all civilization slow and inexorable self-destruction. At this point you might think that although this analysis, as history, moreover, has always confirmed, then we must resign ourselves to the nth destruction of civilization and the birth of a new from the ashes of the previous ... Unfortunately, things could get even more tragic, since the technological power of modern civilization itself well to self-destruct even destroy the world on which he lives is not leaving no hope for the birth of a new and better civilization, as it was in the past .
E 'then need to stop this sad inexorable course, leaving it to the machine to handle the reality within a new concept of capitalism, described by me in previous articles "bound capitalism": the only way you can' have a non-corrupt, just for the rich and the poor, responding to the needs of the citizens of the world and not only to an elite minority.

Probably, one day, the laws and constitution will be described in the form of an algorithm or flow chart in order to avoid any distortion or misunderstanding of the law this way every vigente.In "algorithm legislative will 'known to all in test any possible illegal modification.