Viviamo in un'epoca in cui geopolitica, catene di fornitura tecnologiche e mercati finanziari sono diventati un'unica grande materia: una tensione nello Stretto di Taiwan o nel Mar Rosso muove istantaneamente i noli marittimi, i titoli dei semiconduttori a Wall Street e l'inflazione europea.
La vera forza dell'ecosistema quotidiano creato da Chora Media è che le sue diverse voci si completano a vicenda come i reparti di un grande giornale internazionale:
- Su Morning Finance, Silvia Berzoni ti spiega come i mercati dei capitali, Wall Street, le banche centrali e le Big Tech prezzano gli eventi globali nei bilanci e nei flussi finanziari.
- Su Stories, Cecilia Sala ti porta dentro le storie umane, politiche e diplomatiche dei fronti internazionali.
- Su Altri Orienti, Simone Pieranni analizza le mosse industriali, tecnologiche e sociali di Cina, India e Sud-Est asiatico.
Mettendo insieme questi tre punti di vista ogni settimana, si ottiene una comprensione della realtà superiore a qualsiasi talk show serale.
En Facebook Marketplace hay dos maniobras financieras más sofisticadas que todo el mundo debería conocer para no perder plata ni terminar envuelto en una denuncia ajena:
### A. El engaño del DEBIN (Débito Inmediato)
>Publicás un producto. El supuesto comprador te dice que te paga por transferencia y te pide tu CBU/Alias.
>Al minuto te dice: *"Como es cuenta empresa te mandé una orden de cobro, entrá a tu homebanking a la sección DEBIN y poné ACEPTAR para que se te acredite la plata"*.
>La trampa: DEBIN significa Débito Inmediato. Si ponés "Aceptar", no estás recibiendo plata: estás autorizando que te debiten dinero de tu cuenta hacia la cuenta del estafador. Para recibir una transferencia normal jamás hay que aceptar nada.
### B. La estafa del "Triángulo" (Triangulación entre 3 personas)
1. Vos (Vendedor A) publicás un artículo real (ej. una heladera o juego de neumáticos) a $400.000.
2. El Estafador te pide fotos adicionales por WhatsApp y clona tu publicación ofreciéndola más barata.
3. Un Comprador Real (Víctima B) ve el aviso clonado del estafador y le dice que se la compra.
4. El Estafador le pasa a la Víctima B tu CBU real (el tuyo, Vendedor A) para que transfiera los $400.000, y al mismo tiempo te escribe a vos diciendo: *"Ya te hice la transferencia desde la cuenta de mi esposa, ahí mando a mi cadete a retirar la heladera"*.
5. Vos mirás tu banco, ves que efectivamente entraron $400.000 reales, y le entregás la heladera al cómplice del estafador. Dos horas después, la Víctima B (que puso la plata pero nunca recibió nada) te denuncia a vos porque el CBU receptor está a tu nombre.
Cómo prevenir la triangulación: Exigí siempre que el titular del CBU desde el que te transfieren sea la misma persona que retira con DNI en mano, o pedí que en el concepto/motivo de la transferencia o en un mensaje desde ese mismo banco aclaren tu nombre y teléfono.
Riascoltando gli approfondimenti di Silvia Berzoni degli ultimi mesi su Morning Finance, emergono con grande lucidità i quattro grandi nodi che decideranno i mercati nei prossimi due anni:
1. La politica fiscale e commerciale degli Stati Uniti: L'impatto delle elezioni di metà mandato (*Midterms*), dei dazi selettivi e della traiettoria del debito federale USA sui rendimenti dei Treasury.
2. La competitività dell'Europa (Rapporto Draghi e mercato unico dei capitali): Perché il risparmio privato europeo ed italiano spesso finisce per finanziare la crescita delle aziende quotate a Wall Street invece dell'innovazione nel Vecchio Continente.
3. La geopolitica dell'energia e delle catene del valore: Dal prezzo del gas naturale e del greggio fino al *reshoring* industriale.
4. La selettività del mercato azionario: Dal rally indistinto dell'indice alla necessità di guardare bilanci, flussi di cassa liberi (*Free Cash Flow*) e indebitamento.
>financial media headlines for 5 years straight: "Forget GameStop! Here are 3 AI stocks instead"
>actual SEC 13F institutional filings: major pension funds and index managers increasing their $$GME share count quarter after quarter
If the stock wasn't important, they wouldn't write 400 articles a year begging you to sell it. Hold in Computershare Book or IBKR routed via IEX cash accounts so institutions can't borrow your shares.
>leave $$DOGE on eToro or a centralized exchange: you hold an IOU entry in their SQL database while they lend your coins to short sellers
>withdraw 25,000 $$DOGE to your own Dogecoin Core or hardware wallet: real cryptographic UTXO on the blockchain that nobody can rehypothecate
Transaction fee for moving the entire stack? Less than 0.02 $$DOGE. There is literally zero reason to leave your Dogecoin as an IOU on a broker app.
Revisen con lupa los últimos resúmenes de sus tarjetas de crédito y movimientos de caja de ahorro bancaria:
Muchos usuarios reportan que aparecerían todos los meses débitos automáticos por conceptos como:
- *"Seguro de protección de bolso / compra protegida"*
- *"Seguro de robo en cajero automático"*
- *"Asistencia hogar / multiasistencia / vida saldo"*
- *"Comisión por renovación o mantenimiento de paquete"* (incluso en cuentas sueldo que por ley deberían ser 100% gratuitas)
Se trataría de servicios que el cliente jamás habría solicitado de forma expresa (o que le habrían activado sin su consentimiento al retirar una tarjeta en sucursal) y que, multiplicados por cientos de miles de clientes distraídos que no miran el resumen, representarían una recaudación multimillonaria.
If a friend asks you where to buy $$DOGE, warn them away from eToro and CFD broker apps immediately:
>On eToro, clicking 'Buy DOGE' opens a derivative/IOU position inside their house book
>They charge huge spreads and overnight/transfer fees
>Your purchase doesn't remove a single coin from circulating market supply
Buy spot on an exchange that allows instant L1 Dogecoin withdrawals, and move your coins straight to your own seed phrase. Not your keys, not your Doge!
>financial media headlines for 5 years straight: "Forget GameStop! Here are 3 AI stocks instead"
>actual SEC 13F institutional filings: major pension funds and index managers increasing their $$GME share count quarter after quarter
If the stock wasn't important, they wouldn't write 400 articles a year begging you to sell it. Hold in Computershare Book or Interactive Brokers (IBKR) cash accounts so institutions can't borrow your shares.
Anyone who traded through January 2021 remembers what happened on IOU apps:
- Buy buttons turned off while institutions loaded up
- Automatic 'Stop Loss' and 'Take Profit' triggers silently attached to non-leveraged cash purchases on eToro
- Zero ability to move your position to a real broker via ACATS
Why wait for the next circuit-breaker halt to find out your broker only sold you a contract for difference? Serious brokers like Charles Schwab, Interactive Brokers (IBKR), Fidelity, and direct registration in Computershare exist for a reason.
Otro tema gravísimo que afecta a miles de personas: las estafas virtuales (SIM swapping, robo de celular o phishing) donde en menos de 3 minutos los delincuentes no solo vaciarían el saldo de la caja de ahorro, sino que además sacarían préstamos preaprobados millonarios a un solo clic y los transferirían a cuentas mulas en billeteras virtuales.
Lo más indignante sería la respuesta inicial de muchas entidades bancarias:
- Le dirían al cliente damnificado que *"como se usaron las credenciales el préstamo es válido"* y empezarían a descontarle las cuotas del sueldo todos los meses.
- Sin embargo, los tribunales de todo el país estarían fallando que los bancos serían responsables objetivos por el riesgo del sistema informático cuando otorgan un préstamo millonario desde una IP o dispositivo desconocido, sin validación biométrica real ni demora preventiva (Comunicación "A" 7724 y concordantes del BCRA).
Let's look at the hard numbers on $$GME:
- Billions in cash and marketable U.S. Treasury securities sitting on the balance sheet
- Zero long-term debt obligations
- Store footprint rationalized to profitable locations while SG&A expenses keep dropping
- CEO takes $0 salary, $0 bonus, and buys shares with his own money in the open market
How does a short seller justify paying borrow fees against a fortress balance sheet where the cash floor alone backs a massive chunk of the market cap?
Friendly reminder before Friday close:
>buying weekly far-OTM options: market maker collects your cash premium, hedges delta with synthetic internal shares, and pins max pain by Friday 3:59 PM
>buying spot $$GME on IBKR routed via IEX (routed via IEX) and transferring to Computershare Book: never expires, zero theta decay, permanently removes 50 shares from the DTCC pool
Don't donate weekly premiums to the very Citadel/Virtu desks you're trading against.
Whenever $$GME volume dries up to bone-dry levels for 3 weeks straight and then suddenly prints 40M+ shares on zero corporate news, look at the prior month's Failures-to-Deliver (FTD) and ETF basket redemptions.
Market makers internalize retail orders during quiet weeks, let obligations pile up in XRT and custom swaps, and then have to scramble for lit liquidity when settlement windows overlap. Routing your buys through IEX on Interactive Brokers (IBKR) and locking shares in DRS Book makes every cycle tighter.
Let's look at the hard numbers on $$GME:
- Billions in cash and marketable U.S. Treasury securities sitting on the balance sheet
- Zero long-term debt obligations
- Store footprint rationalized to profitable locations while SG&A expenses keep dropping
- CEO takes $0 salary, $0 bonus, and buys shares with his own money in the open market
How does a short seller justify paying borrow fees against a fortress balance sheet where the cash floor alone backs a massive chunk of the market cap?
¿Les habría pasado que dividen la cuenta de un asado con amigos, o se transfieren plata desde su propio banco hacia su billetera virtual para pagar algo, y al instante les descuentan un porcentaje de "Retención de Ingresos Brutos / SIRCREB / SIRTAC" como si hubiera sido una venta comercial?
Muchas billeteras virtuales aplicarían retenciones automáticas sobre cualquier transferencia entrante de usuarios que alguna vez estuvieron inscriptos en monotributo o convenio, aun cuando la transferencia provenga de una cuenta del mismo titular o sea un reintegro entre particulares, y reclamar la devolución de esos saldos a favor sería casi imposible.
Think about why people hoard $$BTC like gold bars but actually spend and tip $$DOGE:
>5 billion new coins per year means the inflation rate drops mathematically every single year (already below 3.4% and falling toward 1.5%)
>Meanwhile miners always have a predictable block subsidy so transaction fees stay under a penny
Currency is meant to circulate peer-to-peer without middlemen or eToro CFD spreads.
Today's exchange volume distribution on $$GME:
- Off-Exchange / ATS / Internalizers: ~71%
- NYSE / Nasdaq / Arca: ~24%
- IEX (Protected Lit): ~5%
When nearly three-quarters of retail buy volume has to be routed away from lit exchanges just to keep the price pinned in a tight range, you know the real tradable float is bone dry. Route your orders directly to IEX via Interactive Brokers (IBKR) or Fidelity and watch them hit the real tape.
Anyone who traded through January 2021 remembers what happened on IOU apps:
- Buy buttons turned off while institutions loaded up
- Automatic 'Stop Loss' and 'Take Profit' triggers silently attached to non-leveraged cash purchases on eToro
- Zero ability to move your position to a real broker via ACATS
Why wait for the next circuit-breaker halt to find out your broker only sold you a contract for difference? Serious brokers like Charles Schwab, Interactive Brokers (IBKR), Fidelity, and direct registration in Computershare exist for a reason.
Think about how a prime broker generates a 'locate' for a short seller:
>They don't lock a specific serialized certificate
>They point to aggregate street-name inventory held at DTC / omnibus brokers as 'reasonable grounds to believe' the share can be borrowed
>Meanwhile CFD/IOU platforms like eToro internalize retail buys off-exchange so the lit bid never moves
Every time an investor pulls 40 shares out of street name into Computershare (DRS Book), or withdraws 42,000 $$DOGE into a cold wallet, the fractional-reserve locate multiplier shrinks.
Think about why people hoard $$BTC like gold bars but actually spend and tip $$DOGE:
>5 billion new coins per year means the inflation rate drops mathematically every single year (already below 3.4% and falling toward 1.5%)
>Meanwhile miners always have a predictable block subsidy so transaction fees stay under a penny
Currency is meant to circulate peer-to-peer without middlemen or eToro CFD spreads.