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martedì 19 gennaio 2016

Black: Here’s how low one bank just took its interest rates


Simon Black se la ride su che significa prendere uno 0,001 % di interessi. Parte raccontando quali erano i tassi d'interesse nella societa' antiche e sino al medioevo ... 

Back in Caesar’s day, interest rates in Rome were about 12%. 
In ancient Mesopotamia, interest rates could be as high as 25% or more. 
In ancient Greece, 10% to 15%. 
During the Song Dynasty in Medieval China, rates were around 7% to 10%.

e prosegue a fare due conti su che significa lo 0,001% che una banca da ora di interessi ad un suo amico:
  
A friend forwarded me a hilarious note over the weekend informing him that his bank has a “new” interest rate they’re paying on deposits: 0.001%. 
Think about that number: 1/1000th of 1%. 
Let’s put 0.001% in context just to demonstrate how absurdly small that number is: 
* 0.001% is roughly the same as your odds in poker of ending up with a straight flush, and 30 times less than your odds of getting struck by lightning at some point in your life. 
* A bank balance of $100,000 earning 0.001% would generate a whopping $1 in interest after an entire year. 
* If at the time of his assassination in 44BC, Julius Caesar had put the equivalent of $100 in a savings account earning 0.001% compounding annually, he would have received a grand total of $2.08 in interest over the last 2,000+ years. 
In other words, after 2,060 years, Caesar’s bank balance would have grown from $100 to just $102.08. 
* If you deposit $1 earning 0.001% and then have yourself cryogenically frozen for over 9,000 years… a period longer than all of recorded human history… you will have received about 10 cents in interest by the time you wake up. 
* At 0.001%, it would take your money 69,315 years to double in value. So if our forebears during the Paleolithic era had put a few abalone shells on deposit earning 0.001%, we’d barely collect twice as much today. 
* The half-life of the isotope Plutonium-240 is 6,563 years. This means that the nuclear fallout from Chernobyl and Fukishima will have undergone 11 half-lives and be almost untraceable in the environment, and you still wouldn’t have doubled your money yet. (...) 


Se Giulio Cesare avesse messo 100 dollari in banca allo 0,001% annuo alla data della sua morte oggi sarebbero .... 102,08 dollari :)



Sa uno depositasse 1 dollaro allo 0,001% annuo e poi si facesse ibernare per 9000 anni, al suo risveglio avrebbe maturato ..... 10 cent di interessi



Hmmm ... forse c'e qualcosa che non va nel sistema finanziario, dice Black.


continua QUI

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