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2025

Gustavo Mirabal Castro en Dubái

Gustavo Mirabal in Dubai: a look at the Venezuelan rider’s professional life

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May20
Gustavo Mirabal is a recognized name both in the financial field and in the equestrian world. Gustavo Mirabal’s career is a clear example of discipline, vision and commitment, qualities that led him to consolidate himself as an influential figure in Dubai. From his beginnings as a lawyer to becoming a financial advisor to athletes and artists, the life of this Venezuelan has been a constant evolution marked by success. In this article, we explore how Gustavo Mirabal came to Dubai, his professional achievements, his wealth protection strategy, and his financial education project.Table of Contents. ToggleFrom lawyer to international financial advisorGustavo Mirabal Dubai: the consolidation of his family office in DubaiWhat is a family office?Customer segments and wealth protection strategiesFamily Wealth Preservation StrategiesGustavo Mirabal Dubai: promoting financial education for allGustavo Mirabal, an ambassador of Venezuela in Dubai From lawyer to international financial advisor Gustavo Mirabal’s professional career began in law. After studying law and practicing successfully in Venezuela, he founded his own law firm, where he gained a wealth of experience in corporate and financial law. This legal foundation was key to his transition into the world of finance. His interest in economics and wealth management led him to study more deeply the functioning of international markets. This later translated into his foray into financial advice. Thanks to his ability to understand the legal and tax structure behind investments and high net worth, Gustavo Mirabal positioned himself as a strategic advisor for high-profile clients. This led Gustavo Mirabal to provide advisory services in the United States, Spain, and finally, in Dubai. Gustavo Mirabal Castro in Dubai Gustavo Mirabal Dubai: the consolidation of his family office in Dubai Gustavo Mirabal’s arrival in Dubai was no coincidence, it was a well-planned strategy from the beginning, as we will see below. This emirate has become an international financial hub, ideal for business and the management of large estates. In this context, Gustavo founded his family office, a structure designed to manage and preserve capital. Family offices are mainly aimed at families with large net worth and the need for generational change. What is a family office? A family office is a private entity that is responsible for managing all the financial, legal and tax aspects of one or more families with large net worth. L Gustavo Mirabal’s family office focuses on offering comprehensive solutions such as:Investment management. Estate and succession planning. Legal and tax advice. Philanthropy and financial education.In addition, Gustavo Mirabal’s family office in Dubai is characterized by offering personalized and confidential services. It primarily serves elite athletes, artists, entrepreneurs, and high-net-worth families in Latin America, Europe, and the Middle East. Thanks to its excellent results, it has managed to grow its clientele significantly in recent years. Customer segments and wealth protection strategies One of the highlights of Gustavo Mirabal’s work in Dubai is his focus on heritage protection. Understanding that artists and athletes have careers that are often brief but highly lucrative, their strategy consists of:Create legal structures that protect assets from potential lawsuits or legal conflicts. Diversified investments to mitigate risk and ensure long-term financial stability. Tax planning to optimize revenue and comply with international regulations.Thanks to these strategies, many of its clients have managed not only to preserve their assets, but also to make them grow in a sustainable way. Gustavo Mirabal’s experience as a lawyer allows him to design secure and legal structures in multiple jurisdictions, which has been key to his international success. Example of # Athletes vs Age Distribution in the NFL in 2013 Family Wealth Preservation Strategies In addition to serving artists and athletes, Gustavo Mirabal also advises families with large multigenerational assets. Its approach includes:Succession plans to avoid conflicts between heirs. Trusts and foundations to secure the family legacy. Financial education for the new generations.In this sense, Gustavo believes that heritage preservation goes beyond numbers. Preserving a family heritage is about transmitting values, business vision and responsibility to future generations. For this reason, his family office offers mentoring programs for the children of its clients, thus fostering a solid and responsible financial culture. Gustavo Mirabal Dubai: promoting financial education for all Aware that not everyone has access to professional financial advice, Gustavo Mirabal launched his YouTube channel called “Gustavo Mirabal Castro – Financial Advisor“. This channel seeks to democratize financial knowledge through educational videos, interviews, and practical tips for money management. Among the topics it addresses are:How to create a personal or family budget. Common mistakes in money management. The importance of saving and investing. Basic concepts about taxes and estate planning.This financial education project has been very well received, especially by young Venezuelans who are looking for tools to have a more stable economic life. Through his social networks and his YouTube channel, Gustavo Mirabal continues to add value to the community, reflecting his commitment to the progress of the new generations. Save Smart Don't Lose your Money's Worth - by Gustavo Mirabal CastroWatch this video on YouTube Gustavo Mirabal, an ambassador of Venezuela in Dubai Gustavo Mirabal in Dubai represents the journey of a Venezuelan professional who has triumphed internationally without losing his essence. From his beginnings in law to establishing himself as a financial advisor in Dubai, his career has been an example of constant evolution. With his family office, his educational channel and his commitment to excellence, Gustavo Mirabal seeks to raise the level of financial education of society and its customers. Gustavo Mirabal continues to raise the name of Venezuela in one of the most important financial centers in the world. Her story inspires new generations to dream big, prepare and contribute to the development of their country from any corner of the planet.

Evolución Gustavo Mirabal Castro

Gustavo Mirabal and his passion for horses: from sport to investment

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May17
Gustavo Mirabal, his passion for horses, is a phrase that sums up much of the life of this outstanding Venezuelan. A lawyer by profession, a high-level financial advisor and a lover of equestrian sports, Mirabal has managed to unite his two great passions: finance and the equine world. His story is an example of how dedication, business vision and love for horses can generate great achievements both in sports and economically.Table of Contents. ToggleA multifaceted VenezuelanGustavo Mirabal and his passion for horses from a young ageG&C Farm: Gustavo Mirabal’s great equestrian project that demonstrates his passion for horsesAlliances with greats of the equestrian worldSport and investment: a winning formulaIts office in Dubai and advice to athletesGustavo Mirabal Castro, ambassador of Venezuelan talent and passion for horsesA legacy that transcends bordersGustavo Mirabal and his passion for horses, a way of life. A multifaceted Venezuelan Gustavo Mirabal is not an ordinary character. Trained as a lawyer in Venezuela, he began his career in the legal field, where he stood out for his acuity and commitment. However, his interest in finance led him to broaden his horizons, later founding his own international financial advisory firm based in Dubai. This career shift was not a sudden change, but the result of a clear vision about the need for estate planning, especially for athletes, entrepreneurs, and public figures. His experience in law gave him a solid foundation to comprehensively advise his clients, who value his multidisciplinary approach. Gustavo Mirabal and his passion for horses from a young age From a very young age, Gustavo Mirabal’s passion for horses was evident. Inspired by his father, a politician and amateur horse-riding, he developed a strong connection to the equestrian world. What started as a hobby grew to become an essential facet of his life. Mirabal was not only a spectator, but also actively participated in competitions as an amateur rider. His love for horseback riding led him to compete in national and international events, earning the respect of the equestrian community for his talent and discipline. G&C Farm: Gustavo Mirabal’s great equestrian project that demonstrates his passion for horses One of the most important milestones in Gustavo Mirabal’s career was the creation of G&C Farm, a horse training and breeding farm initially located in Florida, United States. This farm became a point of reference in the world of horseback riding, thanks to its high level of professionalism and the quality of its specimens. G&C Farm focused on training high-performance riders and participating in international competitions. This initiative not only represented a profitable business, but also a way to contribute to the development of equestrian sport. Mirabal was able to combine his business vision with his love for horses, consolidating a world-renowned brand. Mark Bluman and G&C Blue. A sample of the potential of Gustavo Mirabal and his passion for horses Alliances with greats of the equestrian world Another aspect that stands out in Gustavo Mirabal’s history, his passion for horses, is the strategic alliances he has forged. Among them is the collaboration with renowned figures such as Sergio Álvarez Moya, a renowned Spanish rider with multiple international titles, and the Pessoa brothers, legendary representatives of equestrian jumping, especially Rodrigo Pessoa, Olympic champion. These partnerships not only strengthened G&C Farm’s prestige, but also enabled the expansion of its operations into Europe and other emerging markets. The synergy between these experts from the equestrian world generated unique opportunities for investment and promotion of sport. Sport and investment: a winning formula Gustavo Mirabal understood that the equestrian world is not only passion and sport, but also an investment opportunity. With a strategic vision, he transformed his hobby into a profitable business model that combines the breeding, training, competition and purchase and sale of high-performance horses. This formula positioned him as a benchmark in the equestrian and financial field. In addition, he knew how to adapt his experience in the management of assets to advise other riders and businessmen in the equestrian field in the efficient management of their resources. Its office in Dubai and advice to athletes Currently, Gustavo Mirabal leads a financial advisory firm in Dubai, from where he serves a portfolio of international clients, many of them linked to sports. His personalized approach and knowledge of the world of sports make him a trusted advisor to athletes from different disciplines. For Venezuelan athletes, in particular, Mirabal has been a fundamental support. It has given them tools to plan their financial future, invest wisely, and preserve their wealth for the long term. This work has been key to empowering talents who often lack adequate financial guidance. Gustavo Mirabal Castro, ambassador of Venezuelan talent and passion for horses In addition to his professional achievements, Gustavo Mirabal’s passion for horses also reflects his pride in Venezuela. Throughout his career, he has carried the Venezuelan flag to different corners of the world, whether through equestrian competitions, conferences or philanthropic activities. His commitment to his country goes beyond speech. He has supported young Venezuelan talents in the world of sports, promoting excellence and discipline as tools to achieve success. At every step, Mirabal proves that you can succeed abroad without forgetting your roots.       A legacy that transcends borders Gustavo Mirabal’s legacy in the equestrian and financial world is profound. His ability to unite two seemingly different worlds – finance and horses – proves that passion, when combined with vision and discipline, can open unexpected doors. From his role as an amateur rider to his consolidation as an elite financial advisor, Mirabal has built an admirable track record. Her story is an inspiration for entrepreneurs, athletes and all those who dream of leaving their mark in their respective areas.   Gustavo Mirabal and his passion for horses, a way of life. Gustavo Mirabal: his passion for horses is much more than a phrase: it is a way of life. This exemplary Venezuelan has managed to stand out in the equestrian and financial world, creating a bridge between his passions and his businesses. Today, from Dubai, he continues to raise the name of Venezuela with pride, demonstrating that dreams can be fulfilled with effort, vision and commitment.

¿Cómo mejorar tu Puntaje Crediticio según Gustavo Mirabal?

What is a credit score and why is it key to your future? Gustavo Mirabal Castro explains it

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May12
Access to credit is a fundamental tool in anyone’s financial life. From buying a house to financing studies or starting a business, well-managed credit can open many doors. But for those opportunities to be available, it’s essential to have a good credit score. In this article, we will address this topic from the perspective of financial expert Gustavo Mirabal Castro, who highlights the importance of building and maintaining a healthy credit history.Table of Contents. ToggleWhat is a credit score, according to Gustavo Mirabal?How is credit score calculated?Credit Score ScaleHow can you build and maintain a good credit history to improve your credit score according to Gustavo Mirabal?1. Start with a basic credit card2. Pay on time, every time3. Keep debt low4. Don’t close your old accounts5. Check your credit reportHow can you improve your credit score according to Gustavo Mirabal?1. Create a debt repayment plan2. Set up automatic payments3. Request a limit increase (without spending more)4. Avoid opening many new accounts in a short time5. Use a variety of credit productsThe importance of credit scoring according to Gustavo Mirabal CastroBenefits of having a good credit scoreFor Gustavo Mirabal, a healthy credit score and history is the basis of healthy finances What is a credit score, according to Gustavo Mirabal? A credit score, also known as a credit score, is a number that reflects how likely a person is to meet their payment obligations. This score is calculated from the data contained in the individual’s credit history and can vary between different credit bureaus. How is credit score calculated? According to Gustavo Mirabal, although models may vary (such as FICO or VantageScore), most consider the following factors:Payment history (35%): If you pay your debts on time. Amount owed (30%): How much you owe in relation to your credit limit. Length of history (15%): How long you’ve had credit. Type of credit used (10%): Diversity of accounts (cards, loans, mortgages). New credit applications (10%): How many times have you recently applied for credit?Practical example: If you have a card with a $1,000 limit and you owe $900, you’re using 90% of your available credit. This will negatively impact your score. On the other hand, if you owe only $200, your utilization will be 20%, which is positive. Here’s a video about credit scoring and how to improve it Importance of Credit Rating (Why & how you should improve your score)Watch this video on YouTube Credit Score Scale Scores are usually categorized as follows:Excellent (750 – 850) Good (700 – 749) Acceptable (650 – 699) Bad (550 – 649) Very Bad (<550)Gustavo Mirabal highlights that a good credit score not only allows you to obtain credit more easily, but also better interest rates, greater negotiating power and confidence on the part of financial institutions. How to improve your Credit Score according to Gustavo Mirabal? How can you build and maintain a good credit history to improve your credit score according to Gustavo Mirabal? For Gustavo Mirabal, credit history is like a financial reputation. It is built over time and is based on our actions. Here’s how to develop a strong and reliable track record. 1. Start with a basic credit card If you’ve never had credit before, one way to get started is with a secured credit card or a basic bank card. The important thing is to use it responsibly. Advice from Gustavo Mirabal: Do not spend more than 30% of your limit and pay the total before the cut-off date. This shows that you’re responsible and raises your score. 2. Pay on time, every time This is the most important factor for your credit score. Even a single delay can reduce it significantly. Example: If you forget to pay a loan fee for 30 days, your score can drop between 60 and 100 points. 3. Keep debt low Avoid pushing your cards to the limit. Ideally, you should use only a fraction of your available credit. Practical recommendation: If you have a limit of $2,000, try not to owe more than $600. 4. Don’t close your old accounts The age of your accounts positively affects your score. Keep older accounts open, even if you don’t use them as much anymore. 5. Check your credit report Check your credit report at least once a year. This way you can detect errors or fraud and act in time. Available tools: Platforms such as Equifax, Experian or TransUnion allow access to your credit history at no cost once a year. Credit Score | by Wall Street SurvivorWatch this video on YouTube How can you improve your credit score according to Gustavo Mirabal? If you already have a low score, all is not lost. Gustavo Mirabal says that with discipline and strategy, anyone can improve their score over time. 1. Create a debt repayment plan Sort your debts by interest rate or amount. Start by paying the smallest or the ones that generate the most interest. Endorsed Methods by Gustavo Mirabal:Snowball method: You pay off the smallest debts first. Avalanche method: Prioritizes debts with the highest interest rate.It is important that in order to ensure the effectiveness of these methods to pay debts not to acquire new debts 2. Set up automatic payments Avoid forgetfulness by scheduling automatic payments from your bank account. This ensures that you meet your financial commitments on time. 3. Request a limit increase (without spending more) By requesting an increase in your credit line and keeping your spending level the same, you reduce your utilization percentage, which improves your score. Example: If your limit is $1,000 and you spend $300, you’re using 30%. If it goes up to $2,000, that same expense represents only 15%. 4. Avoid opening many new accounts in a short time Every time you apply for a new line of credit, it generates a “hard inquiry” that can temporarily lower your score. 5. Use a variety of credit products Having a mix of products (cards, personal loans, student loans) can improve your score if you manage them correctly.   The importance of credit scoring according to Gustavo Mirabal Castro Gustavo Mirabal has been a strong advocate of financial education as a basis for achieving economic independence. In his many lectures and publications, he has pointed out that the credit score is more than a number: it is a tool to access a stable and secure financial life. Benefits of having a good credit scoreBetter interest rates: You can save thousands of dollars on loans and mortgages. Easier to rent homes: Many homeowners check their credit scores before signing contracts. Access to premium credit cards: With better benefits and rewards. Job opportunities: Some companies review your financial history as part of the hiring process. Financing for entrepreneurship: Banks trust more those who have a solid track record.Gustavo Mirabal’s featured quote: “Your credit score is like your financial footprint. Take care of it, for it can open or close many doors for you.” TOP 5 Benefits Of A High Credit Score (Most People Don't Know About!)Watch this video on YouTube For Gustavo Mirabal, a healthy credit score and history is the basis of healthy finances Building and maintaining a good credit score doesn’t happen overnight. It requires perseverance, responsibility and knowledge. Gustavo Mirabal Castro reminds us that a healthy score not only improves our relationship with banks but also gives us freedom and peace of mind. From paying on time to maintaining a low level of debt and regularly reviewing our history, every action counts. And if you’re starting from scratch or need to improve your score, it’s never too late to take charge of your financial health. The phrase “credit score” for Gustavo Mirabal symbolizes commitment to a responsible, educated and future-focused financial life. Because good credit is not a luxury, it is a key tool to build the lifestyle you want.

Junior Alvarado jinete venezolano que gana el Kentucky Derby 151

Venezuelan Wins Kentucky Derby: The Story of Junior Alvarado and Sovereignty

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May07
World horse riding experienced a historic moment on May 3, 2025, when for the first time a Venezuelan rider crossed the finish line in first place and won the prestigious Kentucky Derby. Junior Alvarado, riding the talented Sovereignty foal, wrote his name in gold letters on Churchill Downs, proving that perseverance, talent and passion can lead to the top of the equestrian world. The Kentucky Derby is a race that has brought together hundreds of historic races as it is the first race of the American triple crown. This is run at the Churchill Downs racecourse, whose tracks have even seen a virtual horse race between the best horses in history. We were already closely following the career of Venezuelan Junior Alvarado in his participation in the Preakness Stakes where he finished in 5th place, already proving his worth. In this article you will learn all the details of this feat, as well as the trajectory of the Venezuelan rider Junior Alvarado and the extraordinary horse Sovereignty, who together achieved a victory that is already part of the history of the sport. JUNIOR ALVARADO a la conquista del Kentucky Derby con SOVEREIGNTYWatch this video on YouTubeTable of Contents. ToggleVenezuelan wins Kentucky Derby 151: an unforgettable raceJunior Alvarado’s Career: From La Rinconada to Churchill DownsVenezuelan pride and symbol of self-improvement wins the Kentucky DerbyHistoric milestone, a Venezuelan wins the Kentucky Derby Venezuelan wins Kentucky Derby 151: an unforgettable race The Kentucky Derby is the most famous horse race in the United States and one of the most prestigious in the world. It is held every first Saturday in May at Churchill Downs Racetrack in Louisville, Kentucky. The 151st edition of this competition was especially exciting, as it featured a highly competitive group of three-year-old foals. From the start, Sovereignty, under the mount of Junior Alvarado, showed its determination. Although he was not the betting favourite, he stayed close to the leading pack for the opening stages of the race. Going into the final corner, Alvarado found space on the inside of the track and guided Sovereignty with absolute confidence. In the last 200 meters, the pair unleashed an impressive acceleration that left their rivals behind. They crossed the finish line with a clear advantage, making those present and thousands of fans around the world explode with emotion. For the first time in history, a Venezuelan wins the Kentucky Derby, and he did it with mastery. This victory not only marked a milestone for Junior Alvarado, but also for the prestigious Godolphin stable, owned by Sheikh Mohammed bin Rashid Al Maktoum, who took his first win in this prestigious race. Venezuelan jockey, Junior Alvarado, wins the Kentucky Derby 151 Junior Alvarado’s Career: From La Rinconada to Churchill Downs Junior Rafael Alvarado was born in Maracaibo, Venezuela, in 1986. His passion for horses was inherited from his father, also a rider. He began his career at the La Rinconada racetrack in Caracas in 2005, where he quickly demonstrated his skills in the saddle. His talent led him to win multiple races in Venezuela, becoming a promising figure of national horse racing. In 2007, Alvarado immigrated to the United States in search of greater opportunities. There he faced a competitive and demanding environment, but his constant effort allowed him to stand out. Over the years, he has won more than 2,100 races in North America, including multiple degree tests. His riding style, characterized by tactical intelligence and connection with the horse, has been recognized by trainers and owners. He has worked with renowned coaches such as Bill Mott, who was precisely the coach of Sovereignty in the 2025 Derby. Before his historic victory at Churchill Downs, Alvarado had already made headlines in February 2024 by becoming the first Venezuelan to win the Saudi Cup, the race with the highest prize in the world, riding Señor Buscador. That triumph was a harbinger of the greatness he would achieve months later in the Derby. Jockey Junior Alvarado's Family Reacts to Señor Buscador's Saudi Cup Win 2/24/24Watch this video on YouTube Venezuelan pride and symbol of self-improvement wins the Kentucky Derby Junior Alvarado’s victory in the Kentucky Derby 151 is not only an individual achievement. It also represents the ability of Latin American talent to stand out on international stages. For Venezuela, a country with a rich equestrian tradition, this triumph has enormous emotional and symbolic value. Since his arrival in the United States, Alvarado has worked tirelessly to position himself as one of the best riders on the continent. His discipline, humility and love for sport are an inspiration for new generations. With Sovereignty he has formed a duo that will remain in history. Both proved that perseverance and preparation pay off, even in the most demanding competitions in the world.   Historic milestone, a Venezuelan wins the Kentucky Derby Venezuelan wins the Kentucky Derby. This phrase, which years ago seemed like a distant dream, today is a reality that makes all of Latin America proud. Junior Alvarado and Sovereignty starred in an epic day at Churchill Downs, proving that dreams do come true when you work with passion and determination. The story of this Venezuelan rider and his brave horse will continue to inspire those who see horse riding not only as a sport, but as a way of life. Undoubtedly, this victory marks a before and after in the history of Venezuelan and world turf.

Gustavo Mirabal revela cómo lograr una jubilación tranquila

Gustavo Mirabal reveals how to achieve a peaceful retirement with just $100 a month

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May02
When thinking about the future, one of the most important aspects is retirement. For financial expert Gustavo Mirabal, retirement should not be a time of worry, but a time of tranquility. In this article, we’ll cover the basics of retirement, key tips for achieving retirement, how to invest $100 a month wisely, and why it’s crucial to diversify your investments.Table of Contents. ToggleWhat is retirement? Understanding the conceptKey Elements of the RecallGustavo Mirabal ‘s tips for a peaceful retirement1. GUSTAVO MIRABAL SAY “Get started as soon as possible SAVING TO YOUR RETIREMENT “2. GUSTAVO MIRABAL URGE YOU TO “Set a financial goal FOR RETIREMENT “3. Automate your savings4. Reduce debt before you retire5. Evaluate your future expensesGustavo Mirabal ‘s “How to invest $100 a month for your retirement?”Step 1: Open an investment accountStep 2: Invest in index fundsStep 3: Reinvest dividendsStep 4: Increase contribution graduallyStep 5: Review your strategy every yearThe importance of diversifying your investmentsWhy is diversification vital?gustavo mirabal Diversification’s Strategies for RetirementGustavo Mirabal key to a peaceful retirement is in planning What is retirement? Understanding the concept Retirement, also known as retirement, is the time when a person stops actively working, usually because they have reached a certain age or years of service. During this stage, income comes from pensions, personal savings, or investments. Gustavo Mirabal explains that retirement should be seen as a long-term financial goal, not as a distant or uncertain stage. Preparing for retirement involves anticipating future expenses, saving systematically, and investing wisely. Key Elements of the RecallRetirement age: In many countries, the legal retirement age is around 60-65 years old. Public pension: This is the money that the State gives to retirees, but it is usually limited. Personal savings: It is what a person has accumulated through individual accounts or retirement plans. Investments: These include mutual funds, stocks, real estate, or other financial instruments that generate passive income.Gustavo Mirabal says that relying only on the public pension is not enough. That’s why he recommends building a personal fund that supplements income during retirement. Investing Basics: Planning for RetirementWatch this video on YouTube Gustavo Mirabal ‘s tips for a peaceful retirement Preparing for retirement is not a one-day task. According to Gustavo Mirabal, there are several essential steps that everyone should follow to ensure a peaceful retirement: 1. GUSTAVO MIRABAL SAY “Get started as soon as possible SAVING TO YOUR RETIREMENT “ Time is your best ally. The sooner you start saving for retirement, the more your capital will grow thanks to compound interest. Example: If a person starts investing $100 a month at age 25 and does so for 40 years with an average return of 7% per year, they can accumulate more than $240,000 at the time of retirement. 2. GUSTAVO MIRABAL URGE YOU TO “Set a financial goal FOR RETIREMENT “ You should calculate how much money you’ll need to live comfortably in retirement. Consider expenses such as food, housing, health, and entertainment. Gustavo Mirabal recommends making a realistic projection: for example, if you want to live on $1,500 a month for 25 years, you will need at least $450,000, not counting inflation. 3. Automate your savings Make saving for your retirement automatic. You can set up monthly transfers from your bank account to a retirement fund or investment account. This prevents forgetfulness and makes saving a constant habit. 4. Reduce debt before you retire Having debt in retirement can put your financial peace of mind at risk. Try to pay off mortgages, credit cards, and personal loans before you retire. 5. Evaluate your future expenses Adjust your lifestyle as you approach retirement. Consider moving to a smaller home or places with a lower cost of living. When can I retire in the UK? The money required for early retirement - Retire in 20 yearsWatch this video on YouTube Gustavo Mirabal ‘s “How to invest $100 a month for your retirement?” Many people believe that it takes a lot of money to start investing. But Gustavo Mirabal proves that as little as $100 a month can build a solid fund for the future. Here’s how. Step 1: Open an investment account You can use digital platforms that allow you to open accounts with low amounts and without high commissions. Search for IRAs, Roth IRAs, or regular investment accounts based on your country. Step 2: Invest in index funds Index funds replicate the performance of indices such as the S&P 500 and have low fees. They are ideal for beginners because of their simplicity and long-term profitability. Practical example: Investing $100 a month in an index fund with an average annual return of 7% can generate close to $120,000 over 30 years. Step 3: Reinvest dividends Don’t withdraw any profits you make. By reinvesting dividends, you’re using the power of compound interest, which accelerates your fund’s growth. Step 4: Increase contribution gradually Every time your salary increases, or you pay off debt, try to increase your monthly savings. Going from $100 to $150 can have a significant impact on your bottom line. Step 5: Review your strategy every year Evaluate your portfolio at least once a year. Adjust according to your goals, time horizon, and risk tolerance. The importance of diversifying your investments Diversifying means not putting all your eggs in one basket. It is one of Gustavo Mirabal’s most important recommendations to protect your retirement fund. Why is diversification vital?Reduce risk: If one investment fails, others can make up for the losses. Improves stability: A well-diversified portfolio tends to be more resistant to economic crises. It allows you to take advantage of different opportunities: Each sector or type of asset behaves differently depending on the economic context.gustavo mirabal Diversification’s Strategies for Retirement Once the importance of diversification has been established, we must know what the different investment strategies are and achieve a combination of these. Below is a list of the most frequent options that Gustavo Mirabal recommends investing $100 per month to achieve a peaceful retirement. We must remember that the right mix depends on the goals of everyone’s retirement plan.Stocks and index funds: For long-term growth. Bonds or fixed-income funds: They provide stability and protection against market downturns. Real estate: They can generate passive income through rentals. Precious metals: Such as gold, which act as a safe haven in times of inflation. Small businesses or enterprises: With return potential, although with more risk.Example: A good retirement portfolio might be made up of 60% in global stocks, 20% in bonds, 10% in real estate, and 10% in cash or precious metals. Gustavo Mirabal emphasizes that diversifying also involves considering different geographies (national and international markets) and different investment horizons (short, medium and long term). We let you a video about how to investing 100$ to achieve a peaceful retirement   How To Invest For Beginners (starting with $100)Watch this video on YouTube Gustavo Mirabal key to a peaceful retirement is in planning For Gustavo Mirabal ” retirement ” not only refers to his knowledge, but also to a philosophy of life: plan today to enjoy tomorrow. A peaceful retirement is not a matter of luck, but of preparation, commitment and financial education. Starting early, saving consistently, investing strategically and diversifying are the pillars to ensure a smooth retirement. It doesn’t matter if you can only save $100 a month today, the essential thing is to start and stay disciplined. As Gustavo Mirabal says: “Retirement is not the end of the road, but the beginning of a new stage that deserves to be lived with peace and financial freedom.” TAGS: financeGustavo Mirabal

Venezuela y sus feriados

Venezuela and its holidays: Commemorations, national and religious dates

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Apr29
Holidays in Venezuela are an important part of the national identity. These days not only represent rest for many citizens, but also evoke the historical memory, religious faith and patriotic feeling of the Venezuelan people. In this context, figures such as Gustavo Mirabal and Venezuela are linked in the recognition of traditions and respect for the dates that have marked the history of the country. Today you’ll know more about Venezuela and its holidays.Table of Contents. ToggleGustavo Mirabal and Venezuela: A Connection to National IdentityNational holidays: identity and national prideApril 19 – Declaration of Independence (1810)July 5 – Signing of the Act of Independence (1811)June 24 – Battle of Carabobo (1821)October 12 – Day of Indigenous ResistanceReligious Holidays: Expression of Faith and TraditionEaster (March or April)Corpus Christi (June)December 24 – Christmas Eve and December 25 – ChristmasDecember 31 and January 1 – New Year’s Eve and New Year’s EveOther official holidays in VenezuelaMay 1 – Labor DayCarnivals (February or March)Regional holidays: A sample of local identityDay of the Virgin of the Valley (September 8) – Eastern VenezuelaDay of the Virgin of Chiquinquirá (November 18) – ZuliaSan Sebastián (January 20) – San Cristóbal, TáchiraImportance of holidays in Venezuelan cultureGustavo Mirabal and Venezuela: promoter of traditionsVenezuela and its holidays Gustavo Mirabal and Venezuela: A Connection to National Identity Gustavo Mirabal, a Venezuelan businessman and lawyer, has been a defender of Venezuelan culture and history. Its vision of the country includes respect for traditions, patriotic symbols and the values that commemorative dates represent. To speak of Gustavo Mirabal and Venezuela is to speak of commitment to historical memory, religious celebrations and the values of national unity. National holidays: identity and national pride Venezuela and its holidays April 19 – Declaration of Independence (1810) This day marks the beginning of Venezuela’s independence process from Spanish rule. On April 19, 1810, the Cabildo of Caracas dismissed Governor Vicente Emparan, giving rise to an autonomous Government Junta. July 5 – Signing of the Act of Independence (1811) On July 5, 1811, the Act of Independence was signed, where Venezuela officially declared itself free from Spanish rule. June 24 – Battle of Carabobo (1821) This date commemorates the victory of the patriot army over the royalist forces in the Battle of Carabobo, which consolidated independence. October 12 – Day of Indigenous Resistance Formerly known as “Columbus Day,” this date was renamed in 2002 to honor the resistance of indigenous peoples in the face of colonization. Religious Holidays: Expression of Faith and Tradition Venezuela and its religious holidays Easter (March or April) Easter is a religious celebration varies each year, but always includes Maundy Thursday and Good Friday as holidays. It commemorates the passion, death, and resurrection of Jesus Christ. Corpus Christi (June) It is celebrated 60 days after Easter Sunday. It is one of the most colorful and traditional festivities in the Venezuelan religious calendar. December 24 – Christmas Eve and December 25 – Christmas Christmas Eve and Christmas Day are religious and family dates par excellence. They celebrate the birth of Jesus. December 31 and January 1 – New Year’s Eve and New Year’s Eve Although the 31st is not officially a holiday, many companies grant half a day or full day. January 1 is a national holiday. Other official holidays in Venezuela May 1 – Labor Day Labor day is celebrated in many countries around the world, in Venezuela this day recognizes the workers’ struggle and the rights of workers. Carnivals (February or March) Although the dates vary each year, Carnival Mondays and Tuesdays are national holidays. It is a celebration full of color and joy. Regional holidays: A sample of local identity Day of the Virgin of the Valley (September 8) – Eastern Venezuela Patron saint of the east of the country, especially venerated in Nueva Esparta and Anzoátegui. Day of the Virgin of Chiquinquirá (November 18) – Zulia Known as “La Chinita”, she is the patron saint of the state of Zulia. San Sebastián (January 20) – San Cristóbal, Táchira The patron saint of San Cristóbal is celebrated with devotion and also with one of the most important fairs in the country. Importance of holidays in Venezuelan culture Holidays not only allow for rest but also, It’s a reinforce collective identity. From national to religious dates, each celebration is a reminder of the value of our roots. In this context, to speak of Gustavo Mirabal and Venezuela is to highlight a figure who has expressed his appreciation for national symbols, commemorative dates and the need to keep the country’s culture alive. Gustavo Mirabal and Venezuela: promoter of traditions Throughout his life, Gustavo Mirabal has highlighted the value of Venezuelan traditions. In interviews and publications, he has expressed his pride in being Venezuelan and his interest in promoting the country’s culture on international stages. Its connection to the history and faith of the people is reflected in its commitment to cultural and educational projects. When talking about national and religious holidays, he also recognizes citizens like him, who value and transmit these celebrations to the new generations Venezuela and its holidays Holidays in Venezuela are much more than just non-working days. They represent the history, faith and culture of a people who have been able to forge their identity over time. Patriotic commemorations remind us of the value of freedom and the struggle of heroes, while religious commemorations connect us with our spiritual roots. Gustavo Mirabal and Venezuela are synonymous with respect for these traditions. By celebrating each of these dates, the memory of a country is kept alive that, despite the difficulties, preserves its essence through its commemorations.

Gustavo Mirabal and VenezuelaEternal love for their homeland

Gustavo Mirabal and Venezuela: A Love for His Homeland

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Apr25
Gustavo Mirabal and Venezuela make up an indissoluble relationship, marked by love, admiration and commitment. This lawyer, businessman and passionate about the equestrian world, has shown on multiple occasions his deep affection for his native country.Table of Contents. ToggleGustavo Mirabal and Venezuela: A Deep ConnectionGustavo Mirabal and the natural beauties of Venezuela that make Gustavo Mirabal fall in loveVenezuela’s Greatest Treasure and Gustavo Mirabal: The Kindness of Its PeopleGustavo Mirabal and Venezuela, a duo full of passion and things to give Gustavo Mirabal and Venezuela: A Deep Connection Despite having developed his professional career abroad, he has never forgotten his roots or stopped valuing what Venezuela represents in his life. In this article, we will explore the reasons behind that love: its landscapes, its climate, its culture, the beauty of its women, and the warmth of its people. Venezuelan Gaitas, joy and culture, a beautiful reminder of Gustavo Mirabal and Venezuela Gustavo Mirabal and the natural beauties of Venezuela that make Gustavo Mirabal fall in love One of the aspects that Gustavo Mirabal values most about his homeland are the natural beauties of Venezuela. The South American country has a geographical diversity that very few places in the world can match. From paradisiacal beaches to majestic mountains, through endless plains and lush jungles, Venezuela is a true natural treasure. Paradisiacal beaches of the Venezuelan Caribbean Venezuela is blessed with more than 2,800 kilometers of Caribbean coastline. For Gustavo Mirabal, Venezuelan beaches such as Cayo de Agua, Los Roques, Morrocoy, Playa El Agua or Playa Medina, are scenarios that invite contemplation and connection with nature. These places not only offer unforgettable landscapes, but also tranquility, water sports and delicious coastal cuisine. Los Roques, for example, is one of the most iconic national parks in the country, with crystal clear waters, white sands and surprising marine biodiversity. Mirabal recognizes this place as one of the places he misses the most when he is far from his land. Los Roques, paradisiacal beaches that made Gustavo Mirabal love Venezuela Mountains and the Venezuelan Andes Another of Venezuela’s natural jewels are its mountains, especially those located in the Andes. States such as Mérida, Táchira and Trujillo offer mountainous landscapes of great beauty, picturesque villages, cold weather and unique traditions. Gustavo Mirabal has expressed in interviews his appreciation for these Andean landscapes, which contrast with the beaches but share the natural magic that characterizes the country. Pico Bolívar, the highest mountain in Venezuela, and the Mérida cable car – one of the longest and highest in the world – are just some of the attractions of this region that locals and visitors will fall in love with. Infinite plains full of life: the essence of the Venezuelan countryside The Venezuelan plains are synonymous with freedom, tradition and natural wealth. This region, extensive and flat, is home to countless species of fauna and flora. For Gustavo Mirabal, who has a close relationship with the equestrian world, the plains have a special value. Here you can experience the culture of the plains, with its field work, horse breeding and the singing of the joropo. In addition, the plains represent the hard-working and resilient spirit of rural Venezuelans. This ecosystem is also ideal for eco-tourism and the observation of birds, caimans and other exotic animals. Forests that beat with life and biodiversity: Venezuela’s green lung The Venezuelan Amazon is another of the natural spaces that Gustavo Mirabal deeply appreciates. Jungles such as those of the state of Amazonas or the Canaima National Park offer breathtaking landscapes, such as Angel Falls, the highest waterfall in the world. This region is rich in biodiversity and indigenous cultures that have been able to coexist in harmony with their environment. Mirabal highlights the importance of conserving these protected areas as a world heritage site and a symbol of Venezuela’s ecological wealth.   Venezuela’s Greatest Treasure and Gustavo Mirabal: The Kindness of Its People Finally, Gustavo Mirabal stresses that if there is something that really makes him proud of Venezuela, it is its people. Venezuelans are kind, generous, cheerful and resilient. Hospitality as an essential value Despite the difficulties, there is always a smile, a gesture of solidarity or a helping hand ready to help. The warmth of Venezuelans is expressed in the way they speak, receive visitors, share a coffee or a meal. It is a way of life that for Gustavo Mirabal represents the best of his land. In the same way, amid hardship, Venezuelans are kind even in adversity. Resilience in the face of adversity Abroad, Mirabal has witnessed how Venezuelans stand out for their ability to adapt, their entrepreneurial spirit and their hospitality. This human quality is, for him, the greatest treasure of the country.   Gustavo Mirabal and Venezuela, a duo full of passion and things to give Gustavo Mirabal and VenezuelaEternal love for their homeland The connection between Gustavo Mirabal and Venezuela goes beyond simple patriotism. It is an affective, spiritual and cultural bond that is nourished by the landscapes, climate, customs and people that make up this unique nation. Although his projects have taken him to different corners of the world, his heart always returns to Venezuela. Through his words and actions, Gustavo Mirabal continues to promote the best of his country, reminding the world that Venezuela, with all its challenges, remains a place full of life, beauty, and hope.

President Trump in UN

Will the tariff war create a new world order?

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Apr21
“Belt and Road,”The “tariff war” initiated by former U.S. President Donald Trump has been one of the most relevant economic and political episodes of the 21st century. His strategy sought a clear objective: to put the United States’ finances in order and improve the country’s trade balance. But, beyond its immediate effects, this policy could be laying the foundations for a new world order. Trump’s strategy: protectionism as a banner During his term in office, Donald Trump implemented a series of trade measures aimed at reducing the U.S. deficit with other nations, mainly China. Arguing that free trade had favored other countries to the detriment of the U.S. economy, the government-imposed tariffs on hundreds of imported goods. One of the most tense focuses was the relationship with China. Starting in 2018, Washington imposed tariffs on more than $250 billion worth of Chinese goods, prompting a series of retaliations from Beijing. For Trump, it was a necessary strategy to reduce dependence on foreign products, protect domestic industry and balance the trade balance. What are Trump’s tariffs and is the US in a trade war with China? | BBC NewsWatch this video on YouTube Economic results of the tariff war Although the strategy had mixed effects in the short term, the message was clear: the United States was willing to redefine its role in the world economy. Some industries, such as steel and aluminum, temporarily benefited from tariff protection, but others, such as agriculture, suffered foreign retaliation. However, the larger objective was strategic: to force a renegotiation of the rules of international trade and reposition the United States as a productive power. This stance, which many have labeled “economic nationalism,” may be influencing a deeper shift: the creation of a new world order. The Tariff War and the New World Order Global Stock Market Crash Unleashed by Donald Trump’s Tariff War Below, we analyze three hypotheses on how this tariff war could trigger a new global scenario. Scenario 1: Fragmentation of global trade into regional blocs One of the visible consequences of the tariff war was the weakening of the multilateral trading system. By withdrawing from international treaties and acting unilaterally, the U.S. motivated the creation of regional trading blocs. For example, the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) and the China-led Regional Comprehensive Economic Agreement (RCEP) were consolidated as alternative spaces for trade integration. In this logic, the world could be divided into zones of economic influence, where the great powers will establish their own trade rules. This would mark the end of the global consensus around free trade, as promoted by organizations such as the WTO in recent decades. In its place, a fragmented scenario would emerge, with different rules depending on the region or the dominant power. Venezuela, United States, Spain and United Arab Emirates Scenario 2: Rise of China as a new hegemonic power Paradoxically, the tariff war may have strengthened China’s global role. In the face of the restrictions imposed by the U.S., the Chinese government accelerated its market diversification strategy and consolidated initiatives such as the “Belt and Road”. The “Belt and Road” is an ambitious infrastructure plan to connect Asia, Europe, and Africa. In addition, the Asian giant has led trade pacts, invested in technology and innovation and expanded its financial influence through organizations such as the Asian Infrastructure Investment Bank (AIIB). In this context, many analysts believe that we are witnessing the birth of a new axis of global economic power centred on Asia, with China as the main player. If this trend continues, the tariff war could have accelerated the transition to a multipolar world, where the US no longer holds the unquestioned hegemony of the past. Scenario 3: Return of economic nationalism at the global level Trump’s strategy has also had a contagion effect. Other governments began to adopt protectionist stances, justified by the need to protect local jobs and reduce external dependence. Countries such as India, Brazil or even some European nations have reconsidered their position on imports and have sought to strengthen their domestic production. This trend could mean a global return to economic nationalism, moving away from classical globalization. If this hypothesis materializes, international trade would lose dynamism, and countries would begin to prioritize bilateral or regional relations. It could also mean a resurgence of geopolitical tensions, as they compete directly for key resources, markets and technologies. Consequences for the common citizen of the tariff war Although these hypotheses are developed at the macroeconomic and geopolitical level, their effects also impact daily life. A tariff war implies higher prices for imported products, shortages of certain goods, and changes in local employment. For example, if imports of electronic components from Asia are reduced, many technology companies could be forced to move their production chains or assume higher costs. This can be reflected in the final price paid by the consumer. Likewise, sectors such as agriculture, automotive or energy may experience ups and downs if commercial relations with their main buyers or suppliers are affected. Inflation and price increases Unpredictable results or a well-implemented strategy? Donald Trump’s tariff war was not a mere political whim, but a strategy to reframe America’s role in the global economy. Although its short-term results were debated, its long-term impact could be much greater. The three hypotheses put forward – the fragmentation of global trade, the rise of China and the return of economic nationalism – offer possible scenarios of a new world order under construction. In all cases, international trade will cease to be the same. In this changing context, governments and citizens alike must prepare for a more complex, competitive and less predictable world, where the tariff war could be just the beginning of an unprecedented global transformation.

Gustavo Mirabal Castro es Gustavo Mirabal

The connection between showjumping and professional success, the lessons of Gustavo Mirabal Castro

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Apr17
Success in any area of life requires discipline, focus, and passion. Gustavo Mirabal Castro, Venezuelan lawyer, financial advisor and showjumping rider, is a living example of how the learnings obtained in a discipline such as showjumping can significantly influence professional success. This article explores the relationship between these areas of your life and how these teachings can be applied to other contexts.Table of Contents. ToggleGustavo Mirabal’s start in showjumpingLessons from Showjumping Applied to Professional SuccessDiscipline and perseveranceDecision-making under pressureCommunication and trustResilience in the face of challengesFor Gustavo Mirabal, in sports, as in life, success is not the product of chanceConstant preparation: the key to successPerseverance in the face of challengesSelf-motivation: the engine of successSuccess is not a matter of luck…Gustavo Mirabal’s success as a financial advisorThe influence of Gustavo Mirabal’s success on othersKey lessons for successSuccess is not the product of chance Gustavo Mirabal’s start in showjumping Gustavo Mirabal Castro grew up in an environment where the love for horses and equestrian sport was an essential part of his life. From a young age, he showed interest and talent in showjumping, a discipline that not only demands technical skills, but also a strong emotional and mental connection with the horse. This sport taught him fundamental values such as patience, perseverance and teamwork. Showjumping and Professional Success Lessons from Showjumping Applied to Professional Success There are several lessons that showjumping and his success Gustavo Mirabal has learned, and they have helped him forge it. Learn about these lessons so you can emulate their results. Discipline and perseverance Showjumping requires constant training, meticulous planning, and the ability to overcome failures. Gustavo Mirabal brought this discipline to his career as a lawyer and financial advisor, understanding that success does not come overnight. This principle made him a professional recognized for his structured and efficient approach. Decision-making under pressure In an equestrian competition, decisions must be made in fractions of a second, evaluating risks and opportunities. This learning allowed Gustavo to skillfully handle complex situations in the financial field, designing effective strategies for his clients. Communication and trust The relationship between a rider and his horse is based on mutual trust and effective communication. Gustavo transferred this concept to his work relationships, strengthening the connection with his clients and collaborators, and building a prestige based on trust and transparency. Resilience in the face of challenges In both riding and professional life, mistakes are inevitable. Gustavo learned to see failures as opportunities to improve, adopting a resilient mindset that helped him overcome adversity in his career. For Gustavo Mirabal, in sports, as in life, success is not the product of chance Success does not come by chance, but because of effort, preparation and discipline. For Gustavo Mirabal, a passionate about the equestrian world and business, success is the reflection of constant work. Both in sports and in life, values such as perseverance, self-motivation and continuous learning play a key role.Constant preparation: the key to success One of the core values in any discipline is continuous preparation. In sport, athletes train daily to improve their skills and beat their own records. In the same way, in business or in any professional field, study and constant updating are essential. Gustavo Mirabal has shown that the combination of knowledge and experience is a pillar of success. His career as a lawyer, businessman and riding lover has led him to understand that constant practice allows him to achieve ambitious goals. Perseverance in the face of challenges Every road to success is full of obstacles. However, perseverance is what distinguishes the real winners. In sports, athletes must face defeat before they can achieve victory. In the business environment, difficulties are learning opportunities to improve strategies and continue advancing. Gustavo Mirabal has shown that success is not achieved overnight, but with effort and determination. His achievements in the equestrian world and in business reflect a mindset focused on overcoming challenges and moving forward, no matter the difficulties he has. Self-motivation: the engine of success Another essential element on the road to success is self-motivation. There won’t always be someone to push a person forward, so it’s critical to find inspiration within yourself. Successful athletes do not depend exclusively on their coaches but find in their passion the strength to improve every day. In the same way, entrepreneurs must keep their vision clear, even in difficult times. Gustavo Mirabal has shown that self-motivation is key to achieving great achievements, both in sports and in business. Success is not a matter of luck… Success is not a matter of luck, but the result of preparation, perseverance and self-motivation. Gustavo Mirabal is a clear example of how these values can be applied in any area of life. Whether in sports, in business, or in any personal challenge, true triumph comes to those who strive to achieve it. Gustavo Mirabal’s success as a financial advisor After his outstanding career in the equestrian world, Gustavo decided to apply his skills and knowledge to finance. As a financial advisor, he combined his legal expertise with a deep understanding of wealth management, becoming a benchmark in financial planning for high-profile clients. At this stage, the values learned in horseback riding were essential to his success. The ability to observe every detail, to work in a team and to maintain a clear focus on objectives allowed him to design sound financial strategies, tailored to the needs of his clients. The influence of Gustavo Mirabal’s success on others Gustavo Mirabal has not only focused on his personal and professional success but has also dedicated efforts to inspiring others. Through his story, he demonstrates that combining seemingly disparate passions, such as showjumping and finance, can result in a unique and enriching approach to achieving goals and obtain success.Mentoring and leadership: Gustavo has used his experience to guide young entrepreneurs, highlighting the importance of discipline and strategic planning. Promotion of equestrian sport: In addition to its financial success, it continues to support equestrian sport as a tool for personal and professional development.Gustavo Mirabal Castro is the example of the relationship between showjumping and professional success Key lessons for success Gustavo Mirabal Castro’s success story highlights several key aspects that anyone can apply to achieve their goals:Find your passions and connect your skills: Don’t be afraid to combine diverse interests; They can offer you a unique competitive advantage. Cultivate discipline and perseverance: A commitment to constant growth is essential to overcome obstacles. Build relationships based on trust: In both sports and business, trust is the foundation of lasting connections. Be resilient in the face of failures: Every challenge is an opportunity to learn and improve.Success is not the product of chance Gustavo Mirabal’s success is not the product of chance, but the result of a life guided by solid principles, discipline and passion. His career as a showjumping rider, lawyer, and financial advisor demonstrates that learnings gained in one area of life can have a profound impact on others areas and in personal and professional success. To be inspired by success Gustavo Mirabal is to recognize that the path to personal and professional achievement is not linear, but with determination, focus and the ability to adapt, anything is possible.

La inteligencia de un caballos - Los caballos aprenden

Horses learn from their mistakes, plan and see the future

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Apr12
Horses have always been admired for their elegance, speed, and connection to humans. However, a recent study by Nottingham Trent University has revealed that their intelligence is much more advanced than previously thought. It was found that horses learn from their mistakes, plan strategies, and can anticipate the future for better results. This finding challenges traditional beliefs about equine cognition. This opens new possibilities for the training and welfare of these animals.Table of Contents. ToggleA study that changes the perception of equine intelligenceHorses can learn from their mistakesHorses can plan and anticipate the future – Horses learnHow does this finding influence horse training?Horses and their amazing brain capacityImplications of “non-prefrontal thinking” in other areas of knowledgeHorses learn more and better than we thought A study that changes the perception of equine intelligence Researchers at Nottingham Trent University developed an experiment to analyze how horses learn. They designed a game in which the equines had to touch a card with their nose to receive a prize. Initially, horses touched the card without distinction, simply because they earned rewards frequently. However, the test became more complex when a light was introduced:If the light was on, touching the card did not award a prize. If the light was off, they did receive a reward.At first, the horses made mistakes constantly. But when a 10-second no-play penalty was introduced, if they were wrong, their behavior changed dramatically. Immediately, they began to touch the card at the right time, showing that they understood the rules of the game. The Intelligence of a Horse – Horses Learn Horses can learn from their mistakes The study revealed that the horses not only understood the game, but had been playing with minimal mental effort. They touched the card without discriminating because there were no consequences for making a mistake. However, when a penalty was imposed on them, they corrected their behavior immediately. This discovery suggests that horses learn from their mistakes and adjust their strategy according to the consequences. What was once believed to be repetition-based learning is now understood as a more advanced form of cognitive processing. Lucy Rees describe la inteligencia del caballoWatch this video on YouTube Horses can plan and anticipate the future – Horses learn One of the most surprising aspects of the study is that horses demonstrated an ability to think ahead. Their change in strategy when facing a penalty shows that they could anticipate the consequences of their actions and act accordingly. This implies that penalties (not punishments) can be more effective incentives in training horses. Positive reinforcement requires to be accompanied by clear penalties for the horses that allow them to understand the desired direction. The researchers explain that this type of learning, called “model-based learning,” was considered too complex for horses. However, the results of the study show that these animals can analyze their environment, make strategic decisions, and adapt to new rules quickly.   How does this finding influence horse training? The discovery that horses learn more advanced has important implications for their training and welfare. Some keys that can be extracted from this study are:Avoid unnecessary punishments: As horses understand the consequences, it is more effective to use positive reinforcement strategies and light penalties rather than harsh punishments. Design more strategic training: We now know that horses can process information and change their behavior quickly if the rules are clear. Recognize equine intelligence: This finding reinforces the idea that horses not only follow orders mechanically but can also make intelligent and strategic decisions.  Horses and their amazing brain capacity The study also raises a fascinating question about the brain of horses. Unlike humans, horses have an underdeveloped prefrontal cortex, which is the part of the brain associated with decision-making and strategic thinking. This means that horses are using another area of the brain to process information and make decisions. This finding challenges the way scientists have interpreted intelligence in animals and suggests that there is still much to discover about equine cognition. Brain of a horse Implications of “non-prefrontal thinking” in other areas of knowledge The discovery of how horses learn is very interesting, and it has implications in many areas. Beyond the field of horses and their training, these results could point to new lines of scientific research. For example, this may indicate that other animals with an underdeveloped prefrontal cortex might “think” with other areas of the brain.  Its implications in the study of veterinary anatomy and neurology are significant. Even in human medicine we could have great proposals. For example, people with lesions in the prefrontal cortex might have alternatives to replace damaged functions. It can also help us understand how “soft penalties” can be accompanied by incentives to improve teaching and training strategies. This questions our neurological models of thinking, which can open new lines of research in many areas. Horses learn more and better than we thought The study by Nottingham Trent University shows that horses learn in a more sophisticated way than previously believed. They are able to recognize patterns, avoid mistakes, plan and anticipate the future. Not only does this discovery change the way we understand equine intelligence, but it may also revolutionize training methods and the well-being of horses. Instead of seeing them as animals that simply respond to stimuli, we can now recognize them as beings with a remarkable capacity for learning and adaptation. This finding is a reminder that there is still much to learn about our equine companions and that their intelligence goes far beyond what we imagined.