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Licenciado Matemáticas (Especialidad Fundamentales) por UCM, MBA Executive, MBA Financial Markets, Project Management Excellence Certified
Financial Markets Services Consulting, IT CIO ACO Grupo Santander, IBM Global Services Principal, Electronic Data System Client Ececutive
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The mathematician of the Complutense University of Madrid, José-Vidal Ruiz Varela, argues that Europe must raise its borrowing limit, leaving its deflationary policy. Meanwhile, USA must correct debt and raise the interest rates. Raising the interest rates in the USA and dropping them in Europe, recovers the European domestic demand and EE.UU may return to invest in Europe, with a stronger dollar, without any problem, generating hundreds of thousands of Jobs
Moody's Investors Service lowered its outlook on U.S. life insurers to negative from stable, saying it expects interest rates to remain in the low single digits for the next few years, depressing companies' earnings
"We believe that low rates, along with below-trend economic growth and prolonged volatility in the equity markets, will continue to erode insurers' earnings and revenues, gradually weakening their financial flexibility," Moody's Vice President Laura Bazer said
Spread compression is expected to continue to depress profits from spread business, like fixed annuities and universal life, and from long-tailed products, such as long-term care and long-term disability income, Ms. Bazer said
Moody's added that high unemployment, weak consumer confidence and fiscal tightening will constrain life insurers' top and bottom line growth
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