- 1 year ago
- #todoenuno
馃憠 La doctora Melania Vedovatti, discute sobre las preocupaciones de la jubilaci贸n para aquellos en sus 50 a帽os. Se abordan temas como el monto m铆nimo de jubilaci贸n, los bonos adicionales y c贸mo se calculan los aportes. Tambi茅n se menciona la importancia de planificar con anticipaci贸n y entender c贸mo funcionan las leyes previsionales.
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NewsTranscript
00:00I'm going to talk to Melania to figure out the path of retirement.
00:04We, people in their 50s, 48s, 51s, 52s,
00:08already have to be thinking about how they're going to retire.
00:11There's a path that, the closer you get to that age,
00:15the faster you go, right?
00:17The faster you go.
00:18But I want to ask you first,
00:20if the retirees now are charging what they should be charging,
00:25how much is the minimum, and if they're well paid or paid.
00:29Well, they're paid.
00:31They're paid.
00:32But, well, let's see the positive.
00:34Yes.
00:35Retirees, today, the minimum is 252,000 pesos.
00:39Yes.
00:40We add the bonus to that.
00:41Yes.
00:42Okay.
00:43In the month of December, it will be 259,000 and we add the bonus.
00:47That's the minimum.
00:49Okay, the bonus is 70,000 pesos.
00:5170,000 pesos, yes.
00:52Yes.
00:53In December, we don't know if they're going to be paid.
00:55We estimate that they will, so, well, if they're paid...
00:57It's added to the bonus.
00:58To the bonus.
00:59No, no, it's the retirement, the bonus, and the bonus.
01:04Okay.
01:05Okay?
01:06Okay.
01:07Those are the three things in December.
01:08How much does that give me, more or less, in December?
01:09Look, I have it.
01:10Because that's to inject money into the market.
01:12Look, 259.
01:13And today, almost, depending on how the dollar is,
01:15we can say that you're charging in dollars.
01:19It's a month's retirement in dollars, right?
01:22Of course.
01:23Then we talk about the prices and everything else,
01:25because if you charge it in dollars in the United States,
01:28it's one thing, if you charge it in dollars here, it's another,
01:30because the prices are much more expensive.
01:31Of course.
01:32Look, the minimum retirement in December will be 259,624 pesos.
01:37Aguinaldo is 129,812 pesos, and the bonus is paid, 70,000 pesos.
01:44Okay.
01:45That's for December.
01:46That's just for December.
01:47Just for December.
01:48Just for December, always talking about the minimum, okay?
01:50And is that well liquidated, Anc茅s?
01:53Does the formula indicate that this is the final number or not?
01:57Look, the formula that Anc茅s uses to practice retirements and pensions is defective.
02:04So, any retirement that is calculated with that formula will be wrong.
02:09But why is that formula used, then?
02:11When the law of retirements and pensions is created, a formula is created.
02:15And that formula, with the coming of the years, gets worse.
02:19So, what the retiree has to do, in reality, is to legally claim the modification of the formula.
02:27This is where the lawyer asks, in court, for it to be recalculated,
02:32and the modification in the existence is great.
02:36Is it a conscious trap, or...?
02:41Absolutely conscious.
02:43Look at how it will be when the trials begin.
02:47The modifications in the law go from 45% to 300%.
02:52It's a lot.
02:53Ah, it's a lot.
02:54It's a lot.
02:55But here you are telling me, listen to me, if I add 10 plus 10, it gives me 12.
03:01Of course.
03:02And the difference?
03:03Anc茅s keeps it.
03:05It stays in the system.
03:06Uh-huh.
03:07Now, this government has just started.
03:09I mean, this formula came...
03:11No, but this is from a long time ago, since it started.
03:13Exactly.
03:14I mean, this government, let's say, has nothing to do with it, because clearly...
03:18No, it has nothing to do with a government issue.
03:21Of course, it's not that.
03:22It has to do with...
03:23Now, is there any hope that this formula will change through this government?
03:27Well, notice that all governments always make announcements in relation to mobility.
03:32This formula has to do with mobility, how mobility is calculated.
03:36I mean, what we are looking for is to change the basis.
03:40When Anc茅s liquidates you, he establishes a base salary.
03:44And from there, mobility is applied to him every month.
03:48This is not a question of modifying the law.
03:51This is a question of applying a formula well, or that that formula is...
03:55Modify the formula by law.
03:57Of course.
03:58It would be the right thing.
03:59I mean, but I can't modify that formula or apply another formula if it is not modified by law.
04:05Of course.
04:06Is the formula defective?
04:08In itself.
04:09You see...
04:10Give me an example.
04:11Wait.
04:12Put me there in the graph.
04:13Yes.
04:14If you are retired, you can charge more.
04:15Yes.
04:16That would be the title.
04:17Everyone can charge more.
04:18If today you are charging 259 thousand pesos, you can charge 320.
04:23Yes.
04:24You can charge 500.
04:25It depends on how the formula has been applied.
04:28No, depending on what you contributed.
04:30Okay.
04:31Okay?
04:32There is something.
04:33The formula is defective for everyone.
04:34Everyone is going to retire badly.
04:36Okay?
04:37What you are saying is tremendous.
04:38Yes, it is real.
04:39It is real.
04:40It is like that.
04:41And who are not going to charge?
04:42Because, be careful, there are people who do not charge.
04:45So, if the formula is defective for everyone, because some charge and others do not.
04:50How are there people who do not charge?
04:52Housewives, for example, whose contributions are not real.
04:55Yes.
04:56I mean, they can't claim a real one.
04:57Are they going to take out the retirement of Macasa?
04:59No, no, no.
05:00It is not planned for now.
05:01The rights acquired...
05:02No, no, no.
05:03For now, no.
05:04Or at least, I don't want to say anything about that.
05:07You have no information.
05:08No.
05:09But, I mean, all those who have made real contributions, yes?
05:13And have good quality contributions.
05:15For example, someone who made contributions as an autonomous person, in a very low category,
05:20maybe it will not make a difference.
05:22Okay?
05:23Someone who has made contributions as an autonomous person, in a high category,
05:26it will make a difference.
05:27Someone who has worked in a dependency relationship or...
05:30You can mix things up, right?
05:32Absolutely.
05:33How to mix them up?
05:34I mean, if one worked...
05:35I, for example, worked in private companies, then I was an autonomous person,
05:39then again in private companies, I have my own company,
05:42I mean, all that can be mixed up.
05:44All that can be mixed up.
05:45Yes, yes.
05:46I advance from here to 10 years, 15.
05:49Yes.
05:50Maybe it's 10, right?
05:51You never know.
05:52It advances.
05:53I don't think so.
05:54What do I have to be seeing?
05:56Because, from what you tell me, I'm going to retire badly if I don't do something.
06:00Yes.
06:01Or those who are going to retire next year or in two years,
06:04should they start acting now or not?
06:06Look, the important thing here is...
06:09Because everything sounds very terrible.
06:11Yes.
06:12And in reality, the key is to plan.
06:14Okay?
06:15Retirement is something you never think about.
06:18Because when you're working, you don't think.
06:20No, you don't want to think.
06:21Okay?
06:22It comes to you suddenly.
06:23So, what do you have to do?
06:25Today, the moratorium exists and allows you to complete years,
06:28because to retire, you have to have 30 years of contributions.
06:31So, if you don't have those 30 years,
06:34and you already foresee that when you reach the age, you won't have them.
06:37Yes.
06:38But you have 50 women and 55 men,
06:42that is, you are 10 years earlier.
06:44Yes.
06:45You sit down with your accountant and tell him,
06:46well, let's see, what contributions do I have?
06:48How many do I lack?
06:50How many do you calculate that,
06:54between those that I am going to contribute from here to 10 years,
06:57and those that I am missing, I will be needing?
06:59You make a computer,
07:01and those years that you are missing,
07:02you can buy them today through the moratorium.
07:05That is, you are going to reach the retirement age with all your years.
07:09It's great.
07:10That's great.
07:11It's like the savings plan.
07:12Of course.
07:13Of a zero-kilometer car.
07:14You contribute, and when you reach the end,
07:16you meet the bill, they give you the car.
07:18In this case, they give you the retirement.
07:19Well, the housewives did something similar.
07:21Of course.
07:22They bought contributions.
07:23They bought contributions,
07:24but most of them didn't have them.
07:26Most of them didn't have them.
07:28Yes.
07:29So, what you can do now...
07:30But some of them bought them.
07:31Of course.
07:32Yes, yes, yes, yes.
07:33What you can do now is regularize your contributions from here
07:37to the retirement age.
07:39That first.
07:40Then, I already know that the ANS is liquidating badly,
07:42so what do I have to do?
07:44Check with my lawyer that all my contributions are done.
07:48That's not with the accountant, it's with the lawyer.
07:50That's with the lawyer.
07:51Okay, I call you and I say, listen to me.
07:54I'm suspecting, because a lawyer told me on a TV show,
07:58that the formula wouldn't be working well,
08:00that I wouldn't be retiring correctly.
08:03And you there, what do you do?
08:04And I'm going to tell you, you're not going to retire well,
08:07because the ANS computer scientist is going to take all the documentation I give him.
08:10He's fucking, see?
08:11He's the computer scientist.
08:12No, no, poor guy.
08:13He's the interlocutor.
08:14He's going to take all the documentation I give him,
08:17he's going to load it into the system,
08:19he's going to press enter, and it's going to be calculated with that formula.
08:22Okay?
08:23So I, the lawyer, what do I do?
08:25I check that you have done all the contributions that you think you have.
08:30So that the ANS has really received them.
08:33I make a computer and I tell you,
08:35you should retire with a retirement of so much.
08:38So when you retire, we present the papers and everything,
08:41when you retire, that retirement is going to be less.
08:44Ah, here we have a gap.
08:46Okay.
08:47Of so much.
08:48And the next day, you start a retirement trial.
08:51And how long does that retirement trial take?
08:53Between 3 and 5.
08:54Dad, I retire at 65, and I'm 84, and I'm still in the retirement trial.
08:58No, it took 12 years.
08:59It has passed, it has passed.
09:00A lot.
09:01There are people who have died and ...
09:03The children charge it.
09:04And the children charge it.
09:05Yes.
09:06It took about 12 years.
09:07Now they are taking between 3 and 5 years,
09:09after the digitization.
09:11Okay.
09:12The question, doctor, I say,
09:15what we are seeing, I already tell you,
09:18this has been going on for many years,
09:20since now, I want it to be clear,
09:22for no one in particular,
09:24but from 252,000 pesos,
09:27they have to live.
09:29How do I pay a lawyer,
09:32for example, like you, who are eximia in the matter and others,
09:37how do I pay a lawyer and live?
09:43Because the retirees do not have everything.
09:46But this is paid later, when I charge, right?
09:48No, no.
09:49Or do I have to pay now?
09:50No, most of the lawyers we do pre-trial,
09:53we charge at the end of the trial,
09:55and maybe they will pay a lower expense.
09:57It's great to know.
09:58But the lawyers we charge at the end of the trial.
10:01It's great to know, and it's great that the retirees,
10:05because the retiree says,
10:06I don't have a peso to go to a lawyer,
10:08then he won't go, you understand?
10:09I mean, what you are telling is very good.
10:11And one more fact that I give you,
10:13it is important that before starting the trial,
10:16the lawyer can see the background,
10:19do the calculation,
10:20and determine this that I was telling you,
10:22if the client is going to charge or not.
10:24I mean, you already know.
10:26Unlike a civil trial,
10:27in a civil trial a lawyer can't tell you,
10:29stay calm, we're going to win.
10:31No, it's so subjective,
10:33you could have crossed well, bad, we don't know.
10:36This is actually like a process.
10:38They are accounts.
10:39Of course.
10:40You do the calculation.
10:41It's an account, it's a calculation,
10:43that with the corresponding judicial presentation,
10:46made in time and shape,
10:48with everything as indicated by the law,
10:51there can't be an appeal,
10:54let's say, so that the other side can understand.
10:57Anc茅s is going to appeal.
10:58Beyond him doing it, right?
10:59Anc茅s is going to appeal.
11:00We are going to have a first instance sentence in favor.
11:02Anc茅s appeals.
11:03We go to the camera.
11:04We have a second instance sentence.
11:06And then we move on to the execution stage.
11:09Anc茅s always appeals, but he always loses.
11:12A process, let's say.
11:13Yes, yes, yes.
11:14He always loses.
11:15It's like mandatory.
11:16Of course, just like that.
11:18And the question is,
11:19in how much, more or less, average,
11:21is a retirement improved?
11:23And from 3 to 5 years.
11:25Yes, the rule.
11:26How much?
11:273 to 5 years.
11:283 to 5 years.
11:29Yes, which is what the trial takes.
11:32Only then will there be the modification in the having
11:35and the retroactive,
11:37because they pay him a retroactive from the moment...
11:39And the percentages of increase of that retirement,
11:43more or less, average, a minimum retirement?
11:46It depends on the type of contribution he has made.
11:49Yes, you said it, but more or less.
11:51And a minimum, put it with a low contribution and a 100%.
11:57What?
11:58Absolutely.
11:59And it's little.
12:00I mean, stop, stop.
12:02A retirement today, put it on the graph,
12:04a retirement today could be charging almost 600 lucas?
12:10Yes, absolutely.
12:12Almost 600,000 pesos?
12:14It's incredible.
12:15Ah, it's a lot.
12:16And I'm not talking about a person who made important contributions,
12:21I'm talking about average contributions.
12:23Yes.
12:24Yes, it makes a lot of difference, a lot.
12:27I mean, if there is someone listening on the other side
12:30who is about to retire,
12:32obviously the trial cannot start before.
12:34No, no, no.
12:35Do we agree?
12:36But yes, it can start immediately, having done...
12:40Of course.
12:41That is, you hire a lawyer,
12:42a lawyer having done all the studies,
12:44all the calculations as it corresponds,
12:46they liquidate 259,000 pesos, 252, 260,
12:52then it increases due to inflation, etc., etc.
12:55But you automatically start the trial
12:59and maybe in 3, 4, 5 years you are charging double.
13:02Of course.
13:03I mean, maybe, right?
13:04Yes, yes, yes.
13:05No, I mean, let's see, let's always remember the steps,
13:09it does not apply to everyone,
13:10that is, first check that the contributions are real,
13:14once you retire, practice the computer
13:17and there the lawyer tells you if it can be done or not,
13:20or it doesn't make sense.
13:21Do you have experience in this? Has it happened?
13:23Do you have clients who have charged
13:25and have reached the double of retirement?
13:28I've been doing this for 25 years and yes, all of them.
13:32That is, you are not telling us that maybe, maybe it can happen.
13:35Here is a living experience,
13:39in the good sense of the word, right?
13:42That indicates that your clients have reached
13:45to charge double the retirement
13:47and that today the trial takes,
13:49not 12 years as it took before,
13:51but 4 or 5 years.
13:53As it is.
13:54Can it take less in some questions or not?
13:58No.
13:59No.
14:00The first 5, from 5 up.
14:01Yes, from 3 to 5.
14:03And this is very new, actually,
14:05because from digitization,
14:07that is, post-pandemic, everything began to accelerate.
14:10So, that's why I say this is very new,
14:13that it takes a short time.
14:15Never retire, Doc, please.
14:17No, no, no.
14:18No, please.
14:19I have more or less in ...
14:23Let's see, I have 50 more or less in ...
14:26And in 10 you have to start.
14:28In 10 minutes I call you.
14:30In 10 minutes, when the program ends, I call you.
14:33Thank you very much.
14:34Perfect.
14:35No, thank you.
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