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superhog-d
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3 changed files with 259 additions and 9 deletions
|
|
@ -69,18 +69,16 @@
|
||||||
<p>You can contact me on:</p>
|
<p>You can contact me on:</p>
|
||||||
<ul>
|
<ul>
|
||||||
<li>
|
<li>
|
||||||
<p>
|
|
||||||
<a href="https://www.linkedin.com/in/pablomartincalvo/">On LinkedIn</a>
|
<a href="https://www.linkedin.com/in/pablomartincalvo/">On LinkedIn</a>
|
||||||
for professional matters.
|
for professional matters.
|
||||||
</p>
|
</li>
|
||||||
|
<li>
|
||||||
|
On keybase: <a href="https://keybase.io/pablomartincalvo">https://keybase.io/pablomartincalvo</a>.
|
||||||
</li>
|
</li>
|
||||||
<li>
|
<li>
|
||||||
On Nostr. My npub is:
|
On Nostr. My npub is:
|
||||||
npub1a29gdc6p7c05az2ka3qwwpl9kfcqmws3xlwmjefmtkulfhgd7u6shuqatg
|
npub1a29gdc6p7c05az2ka3qwwpl9kfcqmws3xlwmjefmtkulfhgd7u6shuqatg
|
||||||
</li>
|
</li>
|
||||||
<li>
|
|
||||||
<p>At this stage I'm not open to other contacts.</p>
|
|
||||||
</li>
|
|
||||||
</ul>
|
</ul>
|
||||||
<p>
|
<p>
|
||||||
If you are looking for my CV, no need to reach out,
|
If you are looking for my CV, no need to reach out,
|
||||||
|
|
@ -112,15 +110,19 @@
|
||||||
<h2 id="my-projects-header">My projects</h2>
|
<h2 id="my-projects-header">My projects</h2>
|
||||||
<p>Some of the projects I've shared publicly:</p>
|
<p>Some of the projects I've shared publicly:</p>
|
||||||
<ul>
|
<ul>
|
||||||
<li>
|
|
||||||
<a href="https://github.com/pmartincalvo/dni" target="_blank" rel="noopener noreferrer">My Python package to
|
|
||||||
handle Spanish DNIs better</a>
|
|
||||||
</li>
|
|
||||||
<li>
|
<li>
|
||||||
<a href="https://www.meetup.com/bitcoin-barcelona" target="_blank" rel="noopener noreferrer">Barcelona Bitcoin
|
<a href="https://www.meetup.com/bitcoin-barcelona" target="_blank" rel="noopener noreferrer">Barcelona Bitcoin
|
||||||
Only, a local Bitcoin meetup and community I've
|
Only, a local Bitcoin meetup and community I've
|
||||||
helped organize and run</a>
|
helped organize and run</a>
|
||||||
</li>
|
</li>
|
||||||
|
<li>
|
||||||
|
<a href="https://github.com/pmartincalvo/ntfy-emergency-app" target="_blank" rel="noopener noreferrer">A micro
|
||||||
|
webapp to let your loved ones grab your attention via ntfy</a>
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
<a href="https://github.com/pmartincalvo/dni" target="_blank" rel="noopener noreferrer">My Python package to
|
||||||
|
handle Spanish DNIs better</a>
|
||||||
|
</li>
|
||||||
</ul>
|
</ul>
|
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<p>
|
<p>
|
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There are also some other projects that I generally keep private but
|
There are also some other projects that I generally keep private but
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@ -142,6 +144,10 @@
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<h2 id="writings-header">Writings</h2>
|
<h2 id="writings-header">Writings</h2>
|
||||||
<p>Sometimes I like to jot down ideas and drop them here.</p>
|
<p>Sometimes I like to jot down ideas and drop them here.</p>
|
||||||
<ul>
|
<ul>
|
||||||
|
<li>
|
||||||
|
<a href="writings/a-note-for-the-future-the-tax-bleeding-in-2025.html" target="_blank"
|
||||||
|
rel="noopener noreferrer">A note for the future: the tax bleeding in 2025</a>
|
||||||
|
</li>
|
||||||
<li>
|
<li>
|
||||||
<a href="writings/notes-and-lessons-from-my-departure-from-superhog.html" target="_blank"
|
<a href="writings/notes-and-lessons-from-my-departure-from-superhog.html" target="_blank"
|
||||||
rel="noopener noreferrer">Notes and lessons from my departure from Superhog</a>
|
rel="noopener noreferrer">Notes and lessons from my departure from Superhog</a>
|
||||||
|
|
|
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56
public/keybase.txt
Normal file
56
public/keybase.txt
Normal file
|
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@ -0,0 +1,56 @@
|
||||||
|
==================================================================
|
||||||
|
https://keybase.io/pablomartincalvo
|
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|
--------------------------------------------------------------------
|
||||||
|
|
||||||
|
I hereby claim:
|
||||||
|
|
||||||
|
* I am an admin of https://pablohere.contrapeso.xyz
|
||||||
|
* I am pablomartincalvo (https://keybase.io/pablomartincalvo) on keybase.
|
||||||
|
* I have a public key ASDgHxztDlU_R4hjxbkO21-rS4Iv1gABa3BPb_Aff7aNAgo
|
||||||
|
|
||||||
|
To do so, I am signing this object:
|
||||||
|
|
||||||
|
{
|
||||||
|
"body": {
|
||||||
|
"key": {
|
||||||
|
"eldest_kid": "0120d9bde13d9012e681cef2edd668d70426f1f6ef69ce7dfae20b404096eca5b06f0a",
|
||||||
|
"host": "keybase.io",
|
||||||
|
"kid": "0120e01f1ced0e553f478863c5b90edb5fab4b822fd600016b704f6ff01f7fb68d020a",
|
||||||
|
"uid": "8e71277fbc0fb1fea28d60308f495d19",
|
||||||
|
"username": "pablomartincalvo"
|
||||||
|
},
|
||||||
|
"merkle_root": {
|
||||||
|
"ctime": 1755635067,
|
||||||
|
"hash": "4f91af0b9c674e0f1d74a7cfad7abd15a7065cded92b96ac8a6abeb5c8553318599aa1bf7b065a3312e303506256b729b8b60b3a5dd06b68694423f4341a6a14",
|
||||||
|
"hash_meta": "6472dbf2ed33341fb30b6a0c5c5c7fb39c219dd0ffd03c6e08b68c788e0de60a",
|
||||||
|
"seqno": 27031070
|
||||||
|
},
|
||||||
|
"service": {
|
||||||
|
"entropy": "LEFJJ4FMmlJQWPPFEO4xHE5y",
|
||||||
|
"hostname": "pablohere.contrapeso.xyz",
|
||||||
|
"protocol": "https:"
|
||||||
|
},
|
||||||
|
"type": "web_service_binding",
|
||||||
|
"version": 2
|
||||||
|
},
|
||||||
|
"client": {
|
||||||
|
"name": "keybase.io go client",
|
||||||
|
"version": "6.5.1"
|
||||||
|
},
|
||||||
|
"ctime": 1755635082,
|
||||||
|
"expire_in": 504576000,
|
||||||
|
"prev": "37f12270050ab037897ccf6ef9451b1911cb505eca7c3842993b0b8925bc79b8",
|
||||||
|
"seqno": 31,
|
||||||
|
"tag": "signature"
|
||||||
|
}
|
||||||
|
|
||||||
|
which yields the signature:
|
||||||
|
|
||||||
|
hKRib2R5hqhkZXRhY2hlZMOpaGFzaF90eXBlCqNrZXnEIwEg4B8c7Q5VP0eIY8W5Dttfq0uCL9YAAWtwT2/wH3+2jQIKp3BheWxvYWTESpcCH8QgN/EicAUKsDeJfM9u+UUbGRHLUF7KfDhCmTsLiSW8ebjEIAnIWTmufZ017e9WLdI1LhKBPaZ3HzmTrgyASDvY3PwoAgHCo3NpZ8RA9a3xgkSTU6Ht7M7DCsy4ClMmoWFtDEqzX9/dqskeoH2DrJUZYVymBQE1nyB0p1GuXiZA1cP5WY5SDURWZ5bBC6hzaWdfdHlwZSCkaGFzaIKkdHlwZQildmFsdWXEIEJZ4g4HC5qXcqbFf6sJ8XuZyMtoppazFqr1zPu0LH5co3RhZ80CAqd2ZXJzaW9uAQ==
|
||||||
|
|
||||||
|
And finally, I am proving ownership of this host by posting or
|
||||||
|
appending to this document.
|
||||||
|
|
||||||
|
View my publicly-auditable identity here: https://keybase.io/pablomartincalvo
|
||||||
|
|
||||||
|
==================================================================
|
||||||
|
|
@ -0,0 +1,188 @@
|
||||||
|
<!doctype html>
|
||||||
|
<html>
|
||||||
|
<head>
|
||||||
|
<title>Pablo here</title>
|
||||||
|
<meta charset="utf-8" />
|
||||||
|
<meta viewport="width=device-width, initial-scale=1" />
|
||||||
|
<link rel="stylesheet" href="../styles.css" />
|
||||||
|
</head>
|
||||||
|
|
||||||
|
<body>
|
||||||
|
<main>
|
||||||
|
<h1>Hi, Pablo here</h1>
|
||||||
|
<p><a href="../index.html">back to home</a></p>
|
||||||
|
<hr />
|
||||||
|
<section>
|
||||||
|
<h2>A note for the future: the tax bleeding in 2025</h2>
|
||||||
|
<p>
|
||||||
|
I hate taxes deeply. I fell through the rabbit hole of libertarian and
|
||||||
|
anarcocapitalist ideas some years ago, and taxes have been repulsive
|
||||||
|
to me ever since. I go to great lengths to not pay them, and feel
|
||||||
|
deeply hurt everytime they sting my wallet against my will.
|
||||||
|
</p>
|
||||||
|
<p>
|
||||||
|
I know life goes by fast, and what today is vivid in your memory fades
|
||||||
|
away bit by bit until it's gone. I'm truly hoping that, some day in
|
||||||
|
the future, the world will have changed to the better and people won't
|
||||||
|
be paying as much tax as we're doing today in the West. Since in that
|
||||||
|
bright, utopical future I'm dreaming of I might have forgotten about
|
||||||
|
how bad things were on this matter in 2025, I've decided to make a
|
||||||
|
little entry here making an estimate on how many taxes I'm
|
||||||
|
theoretically bleeding on a yearly basis right now. So that we can
|
||||||
|
someday look back in time and wonder: "how the fuck did we tolerate
|
||||||
|
that pillaging".
|
||||||
|
</p>
|
||||||
|
<h3>Inventory</h3>
|
||||||
|
<p>
|
||||||
|
Before going hard into the number crunching let's list all the tax
|
||||||
|
items I'm aware of being subject to:
|
||||||
|
</p>
|
||||||
|
<ul>
|
||||||
|
<li>
|
||||||
|
Income Tax: for the sin of making money, the state takes a hefty
|
||||||
|
bite of my salary.
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
Social Security: the state runs a forceful Social Security
|
||||||
|
programme. If you work, it is illegal to not pay for it. It is
|
||||||
|
specially unnerving since it is quite literally a ponzi scheme. At
|
||||||
|
least Madoff lured you into it with pretty words, not violence.
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
VAT Tax: for the sin of buying stuff, the state takes another hefty
|
||||||
|
bite.
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
Real State Tax: for the sin of owning an apartment, the state
|
||||||
|
charges me rent. Do I own it actually?
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
Vehicle Tax: for the sin of owning a motorcycle, the state charges
|
||||||
|
me a yearly fee.
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
Wealth Transfer Tax: when you buy real state, you must pay 10% of
|
||||||
|
its value in taxes. This is a one off fee if you only buy one house
|
||||||
|
in your lifetime, but it is such a slap on the face that it would be
|
||||||
|
dishonest to not consider it.
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
Inheritance tax: you thought you were going to keep daddy's loot all
|
||||||
|
for yourself? When you inherit, you'll go through the register
|
||||||
|
again. Like the wealth transfer tax, is not a frequent one, but it's
|
||||||
|
big so let's consider it.
|
||||||
|
</li>
|
||||||
|
</ul>
|
||||||
|
<p>
|
||||||
|
There may be some other small, less frequent taxes that I'm not
|
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|
considering. These are the ones that will hit most people in my
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|
country.
|
||||||
|
</p>
|
||||||
|
<h3>The numbers</h3>
|
||||||
|
<p>
|
||||||
|
Okay, let's go compute the hideous bill. I'll make a hypothetical
|
||||||
|
profile that's roughly close to mine, with a few assumptions along the
|
||||||
|
way.
|
||||||
|
</p>
|
||||||
|
<ul>
|
||||||
|
<li>
|
||||||
|
<em>Salary</em>: online sources say the typical salary for my job
|
||||||
|
position in my area is 70k€ yearly. Including the Social Security
|
||||||
|
paid by the company, the sum rises to ~85K€. I consider this way of
|
||||||
|
measuring honest, since I think that all the money paid out by the
|
||||||
|
employer reflects what's the true salary and value of the employee.
|
||||||
|
I read it as, "the company is willing to pay 85K€ for this. What
|
||||||
|
ends up in the employees pocket, and what in the State's, they don't
|
||||||
|
mind".
|
||||||
|
</li>
|
||||||
|
<li><em>Expenses</em>: I'll assume I spend half of my salary.</li>
|
||||||
|
<li>
|
||||||
|
<em>Home Purchase</em>: I'll assume that, during my adult life, I
|
||||||
|
would buy once the average home in my town. From what I could find
|
||||||
|
online, that's somewhere around 500K€.
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
<em>Vehicles</em>: I own a motorcycle and share the expenses of a
|
||||||
|
car with my partner, so I'll count 1.5 vehicles.
|
||||||
|
</li>
|
||||||
|
<li>
|
||||||
|
<em>Inheritance tax</em>: I found a figure stating the average
|
||||||
|
windfall in my country is 250K€. We'll go with that.
|
||||||
|
</li>
|
||||||
|
</ul>
|
||||||
|
<p>With those clear, let's see the actual figures:</p>
|
||||||
|
<table>
|
||||||
|
<thead>
|
||||||
|
<tr>
|
||||||
|
<th>Tax</th>
|
||||||
|
<th>€/year</th>
|
||||||
|
</tr>
|
||||||
|
</thead>
|
||||||
|
<tbody>
|
||||||
|
<tr>
|
||||||
|
<td>Income Tax (IRPF)</td>
|
||||||
|
<td>22,401 €</td>
|
||||||
|
</tr>
|
||||||
|
<tr>
|
||||||
|
<td>Social Security (worker + employer)</td>
|
||||||
|
<td>
|
||||||
|
25,375 €
|
||||||
|
<small
|
||||||
|
>(worker 4,445 € + employer 20,930 €)</small
|
||||||
|
>
|
||||||
|
</td>
|
||||||
|
</tr>
|
||||||
|
<tr>
|
||||||
|
<td>VAT (blended basket)</td>
|
||||||
|
<td>5,250 €</td>
|
||||||
|
</tr>
|
||||||
|
<tr>
|
||||||
|
<td>Real Estate Tax (IBI)</td>
|
||||||
|
<td>1,000 €</td>
|
||||||
|
</tr>
|
||||||
|
<tr>
|
||||||
|
<td>Vehicle Tax (1.5 vehicles)</td>
|
||||||
|
<td>225 €</td>
|
||||||
|
</tr>
|
||||||
|
<tr>
|
||||||
|
<td>Wealth Transfer (10% home, spread 50y)</td>
|
||||||
|
<td>1,000 €</td>
|
||||||
|
</tr>
|
||||||
|
<tr>
|
||||||
|
<td>Inheritance (7% of 250k, spread 50y)</td>
|
||||||
|
<td>350 €</td>
|
||||||
|
</tr>
|
||||||
|
</tbody>
|
||||||
|
<tfoot>
|
||||||
|
<tr>
|
||||||
|
<th>Total</th>
|
||||||
|
<th>55,602 €</th>
|
||||||
|
</tr>
|
||||||
|
</tfoot>
|
||||||
|
</table>
|
||||||
|
<p>
|
||||||
|
So there you go. A peaceful existence as a tech professional living a
|
||||||
|
normal life leads to bleeding at least 55K€ per year, all while
|
||||||
|
getting an 85K€ salary. The tax rate sits at a wonderful 64%. How far
|
||||||
|
away is this from hardcore USSR-grade communism?
|
||||||
|
</p>
|
||||||
|
<p>
|
||||||
|
And this is generous, since I didn't model (1) what gets stolen
|
||||||
|
through inflation diluting savings and (2) any capital gains that this
|
||||||
|
profile might end up paying for whatever investments he is doing with
|
||||||
|
his savings.
|
||||||
|
</p>
|
||||||
|
<p>
|
||||||
|
Then you'll see mainstream media puppets discussing why young people
|
||||||
|
don't have children. As if it was some kind of mistery. They're being
|
||||||
|
robbed their children's bread left and right, while getting hypnotized
|
||||||
|
into believing that protecting themselves against this outrageous
|
||||||
|
robbery is somehow morally despicable.
|
||||||
|
</p>
|
||||||
|
<p>Motherfuckers.</p>
|
||||||
|
<hr />
|
||||||
|
<p><a href="../index.html">back to home</a></p>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
Loading…
Add table
Add a link
Reference in a new issue