Banking fees, the house always wins

Just like every year the banks inform to their clients of the increase of their fees for every service they provide. Usually there are some differences among the banks, but there is something that is always the same, the increases are outrageous.

For a bank high inflation rates only means that they have to charge more to their clients to gain more money. So, it is not unusual that the fees charged for example for having a credit card or just for having a savings account, raises a ten or a twenty percent from one year to another.

The funny thing is that the yearly benefits of most of the spanish banks are sky high. Just this week the result reports of some of the biggest banks informed of record benefits.

So, I need some explanation about how it is possible that the government needs to loan hundreds of millions of euros of our money to these banks when they are making a lot of money just by having our savings. So, none of the risks and all of the benefits.

The central bank of each country regulates the maximum amount of the fees that all banks can charge to their clients. The main problem is that this maximum is too high. If we are risking our money to protect their business it is time to have something in return. Reducing the fees is a good start.

If religions can advertise, why not atheism?

Richard Dawkins and some organizations defending atheism as a valid moral choice are collecting money to start a campaign in London with the slogan:

"There is probably no God. Now stop worrying and enjoy your life"

This slogan will be in 30 London buses during a month.

And, know what? they have collected more than sixteen times the money they needed.

Religion still has a lot influence in our societies and too many times they impose their ideas no matter the irrational they are. And what is worst, they exploit the fears of people and prey on the poor.

They say that there is not an alternative to religion, that is what organised religions want us to think. But, actually, religion should be seen as an ethic framework and ethics does not need a set of supernatural believes.

So why not to be an atheist, reject crazy ideas and still be a good person. If there is any god, he/she will be happy too.

What is reality anyway?

This is a new beginning as a blogger. Not because the subjects I am going to write about, but because switching from spanish to english. I hope my english is not too bad that people does not understant what I am writting about :-)

So, what is reality, anyway? I am not going to put myself into a phylosophical discussion about reality. My point is just an explanation of what is this blog about.

Reality is not an absolute, the way we perceive and integrate the experiences we live each moment are a consequence of the experiences we have lived. Our education, the culture that has been transmited by our ancestors, our family, our live experiences makes that reality is different to any one of us.

This blog will be exactly that, just another view of reality processed by my experiences. My only intention is to share my view with others.

If you agree with me, good for you, we are not very different. If you dissagree, it is even better, because from diversity comes understanding and enlightment. This world would be very boring if everybody has the same perception of everything.