Temporal

 

Nuestro querido Kiko:

Tu abuelo solía decir que éramos todos hijos de la muerte.  Es decir, que en cualquier momento cualquiera (indiferentemente de su edad o estado físico) podría morir.  Sin embargo, lamentablemente él no estaba muy preparado para morir sin dejar un inmenso huracán para sus herederos, produciendo – a su muerte - la desintegración de la familia.

Your grandfather used to say that we were all children of death. That is, that at any moment anyone (regardless of age or physical condition) could die. However, unfortunately, he wasn't quite prepared to die without leaving an immense storm behind for his heirs, resulting—upon his death—in the disintegration of the family.

Para evitar algo similar, hemos querido prepararlo todo para que en el momento de nuestra muerte y en especial la muerte de tu mamá, todo quede más claro que el agua clara.

To avoid something similar, we wanted to prepare everything so that at the moment of our death, and especially the death of your mother, everything would be crystal clear.

En el caso de morir tu mamá antes que yo, lo primero que vas a hacer es conseguir su certificado de defunción. 

If your mother dies before me, the first thing you're going to do is get her death certificate.

To obtain a death certificate in Broward County, Florida, you have several options through the Florida Department of Health in Broward County. Here’s a concise guide based on the most reliable information available:

1. Eligibility

• Without Cause of Death: Anyone 18 or older can request a certified copy of a death certificate without the cause of death. The first five digits of the decedent’s Social Security number are redacted.
• With Cause of Death: Only eligible individuals can request a certificate with cause of death (confidential for 50 years). Eligible persons include:
• Decedent’s spouse, parent, child, grandchild, or sibling.
• Legal representatives or those with documentation proving interest in the estate (e.g., will, insurance policy).
• Valid photo ID (driver’s license, passport, state ID, or military ID) is required for cause-of-death requests.

2. Methods to Obtain a Death Certificate

The Florida Department of Health in Broward County offers four ways to obtain death certificates for events from 2009 to the present.

a. In-Person

• Locations and Hours:
• Fort Lauderdale: 780 SW 24th Street, Fort Lauderdale, FL 33315
• Hollywood: 4105 Pembroke Road, Hollywood, FL 33021
• Pompano Beach: 1000 NE 8th Street, Pompano Beach, FL 33060
• Hours: Monday–Friday, 8:00 AM–4:30 PM; Wednesdays in Pompano Beach, 9:30 AM–6:00 PM.
• Requirements:
• Completed application form (available at the office or online).
• Valid photo ID for cause-of-death requests.
• Payment: Cash, check, money order, Visa, or Mastercard accepted.
• Cost: $10 per certified copy; additional copies of the same record are $5 each.

b. By Mail

• Mailing Address: Florida Department of Health in Broward County, Attention: Vital Statistics, 780 SW 24th Street, Fort Lauderdale, FL 33315.
• Requirements:
• Completed application form (download from broward.floridahealth.gov or include a written request).
• Copy of valid photo ID if requesting cause of death.
• Payment: Check or money order payable to “Vital Statistics” (no cash). International payments must be by cashier’s check or money order in U.S. dollars.
• Include decedent’s full name, date of death (or range of years, with $2 per year searched), and any supporting documents.
• Cost: $10 per certified copy; additional copies $5 each. Rush orders add $10 and require “RUSH” marked on the envelope.
• Processing Time: 3–5 business days for deaths from 2009 to present (plus shipping); pre-2009 records take longer.

c. Online via VitalChek

• Website: Order through VitalChek at www.vitalchek.com (the only vendor recommended by the Florida Department of Health).
• Requirements:
• Provide decedent’s details and your identification information.
• Credit card payment (VitalChek charges an additional handling fee).
• Cost: $10 per certified copy, plus VitalChek’s handling fee.
• Processing Time: Expedited delivery available; check VitalChek for details.

d. By Phone

• Contact: Call the Vital Statistics Office at 866-830-1906 to place an order through VitalChek.
• Requirements: Same as online (credit card and identification details).
• Cost: Same as online, including VitalChek’s fee.

3. Additional Notes

• Availability: Broward County offices issue death certificates for deaths occurring in Broward County from 2009 to present. For earlier records or deaths outside Broward, contact the Florida Bureau of Vital Statistics in Jacksonville (904-359-6900 or P.O. Box 210, Jacksonville, FL 32231-0042).
• Fees: Nonrefundable, except for additional copy fees if no record is found (refunded upon written request). Dishonored checks incur a $15 fee.
• Confidentiality: Cause-of-death information and Social Security numbers are confidential for 50 years. Unauthorized access or false information on applications is a third-degree felony in Florida.
• Other Uses: Death certificates may be needed for probate (file with Broward County Courthouse within 10 days of death notice) or other legal purposes like notifying Social Security or settling estates.

4. Contact Information

• Phone: 866-830-1906 (Vital Statistics Office) or 954-467-4700 (general inquiries).
• Website: broward.floridahealth.gov or www.floridahealth.gov/certificates for forms and details.
• Email: For general inquiries, contact the Florida Bureau of Vital Statistics at vitalstats@flhealth.gov.

For the fastest service, in-person requests at a Broward County Vital Statistics office are recommended, as they avoid shipping delays. If you need a certificate for a death before 2009 or outside Broward, allow extra time or contact the state office directly. Always verify fees and requirements before submitting, as they may change.

Luego buscarás en la 3ra gaveta del lado izquierdo debajo de la TV de Serendípity una carpeta que dice “EN CASO DE MUERTE” donde encontrarás un sobre de Manila (amarillo) con instrucciones. Luego irás al Wells Fargo ubicado en el mismo shopping center donde está el Publix en Davie (8890 W State Rd 84 · (954) 467-5278) y con el certificado de defunción de tu mamá y el poder que encontrarás en el sobre de Manila, vas a solicitar que te entreguen la caja de seguridad No. FLWBA 0950 1602, cuya llave se encuentra dentro del sobre de Manila.

Then you will look in the 3rd drawer on the left side under Serendipity's TV for a folder that says "IN CASE OF DEATH" where you will find a Manila envelope (yellow) with instructions. Then you will go to the Wells Fargo located in the same shopping center where the Publix is ​​in Davie (8890 W State Rd 84 · (954) 467-5278) and with your mother's death certificate and the power of attorney that you will find in the Manila envelope, you will request that they give you the safe deposit box No. FLWBA 0950 1602, whose key is inside the Manila envelope.

Cuando abras la caja de seguridad encontrarás un sobre con las instrucciones.  Sin embargo, el acceso a la mencionada caja de seguridad solamente sería válido en caso de que tanto tu mamá y tu papá la sobreviva.  Si muere tu mamá, pero no tu papá, entonces tendría tu padre que darte un poder similar para que puedas tener acceso a la mencionada caja de seguridad cuando tu padre muera.

When you open the safe, you'll find an envelope with instructions. However, access to the safe would only be valid if both your mother and father survive her. If your mother dies, but not your father, then your father would have to give you a similar power of attorney so you can access the safe when your father dies.

Si tu padre sobrevive a tu madre, él te dará EL ORIGINAL del poder que tu mamá te otorgó dejándote encargado de su cuenta corriente No. 1010 1838 68938.  PERO OJO.  Esto no quiere decir que podrás disponer del dinero que en esa cuenta se encuentre para el momento de la muerte de tu mamá.  Cuando recibas la totalidad de ese dinero lo depositarás en una cuenta que abrirás en el mismo Wells Fargo cuyo beneficiario, en el caso de tu muerte, sería tu papá.  Mientras tanto tu papá dispondrá de ese dinero a través de ti.

If your father outlives your mother, he'll give you the original power of attorney your mother gave you, leaving you in charge of her checking account number 1010 1838 68938. BUT BE CAREFUL. This doesn't mean you'll be able to access the money in that account at the time of your mother's death. When you receive all of that money, you'll deposit it into an account you'll open at the same Wells Fargo, whose beneficiary, in the event of your death, would be your father. In the meantime, your father will access that money through you.

Verás que en el poder que te otorgó tu mamá podrás disponer del dinero de la mencionada cuenta corriente en el caso de que ella no esté en la disponibilidad de hacerlo, como sucedió con Paquito, que perdió su mente estando todavía vivo.  Eso sería para cubrir gastos relacionados con su hospitalización y/o bien morir en un hospicio.

You'll see that the power of attorney your mother gave you will allow you to access the money in the aforementioned checking account in case she's unable to do so, as happened with Paquito, who lost his mind while still alive. This would cover expenses related to his hospitalization and/or his death in a hospice.

Si tu padre sobrevive a tu madre, él te dará EL ORIGINAL del poder que tu mamá te otorgó dejándote encargado de su cuenta de ahorros No. 836 047 7858.  PERO OJO.  Esto no quiere decir que podrás disponer del dinero que en esa cuenta se encuentre para el momento de la muerte de tu mamá.  Cuando recibas la totalidad de ese dinero lo depositarás en una cuenta de ahorros que abrirás en el mismo Wells Fargo cuyo ÚNICO beneficiario, en el caso de tu muerte, sería tu papá.  Mientras tanto tu papá dispondrá de ese dinero a través de ti.

If your father outlives your mother, he will give you THE ORIGINAL of the power of attorney your mother gave you, leaving you in charge of her savings account No. 836 047 7858. BUT BE CAREFUL. This does not mean that you will be able to access the money in that account at the time of your mother's death. When you receive all of that money, you will deposit it into a savings account that you will open at the same Wells Fargo, whose ONLY beneficiary, in the event of your death, would be your father. In the meantime, your father will access that money through you.

Verás que en el poder que te otorgó tu mamá podrás disponer del dinero de la mencionada cuenta de ahorros en el caso de que ella no esté en la disponibilidad de hacerlo, como sucedió con Paquito, que perdió su mente estando todavía vivo.  Eso sería para cubrir gastos relacionados con su hospitalización y/o bien morir en un hospicio.

You'll see that the power of attorney your mother gave you will allow you to access the money in the aforementioned savings account in case she's unable to do so, as happened with Paquito, who lost his mind while still alive. This would cover expenses related to his hospitalization and/or his death in a hospice.

En la caja de seguridad encontrarás EL ORIGINAL del poder que tu mamá te otorgó dejándote encargado de su inversión en Our MicroLending donde ella tiene invertido un dinero.  MicroLending ya tiene instrucciones para que, en caso de morir tu mamá, los intereses de la inversión sean depositado en la cuenta de ahorros que ya habrás abierto en Wells Fargo.  PERO OJO.  Esto no quiere decir que podrás disponer del dinero que en esa cuenta se encuentre para el momento de la muerte de tu mamá.  Será tu papá quien administre esa inversión. Podrás contactar a MicroLending hablando con Emilio Santandreu por el 305. 316.8086.  Tu papá te dirá cuándo y/o cuánto dejar los fondos invertidos en esa entidad financiera.

In the safe deposit box, you'll find the original power of attorney your mother gave you, leaving you in charge of her investment in Our MicroLending, where she has some money invested. MicroLending already has instructions so that, in the event of your mother's death, the investment interest will be deposited into the savings account you've already opened at Wells Fargo. BUT BE CAREFUL. This doesn't mean you'll be able to access the money in that account at the time of your mother's death. Your father will be the one who manages that investment. You can contact MicroLending by speaking to Emilio Santandreu at 305-316-8086. Your father will tell you when and/or how much to leave the invested funds in that financial institution.

Es importante que sepas que lo que heredes NO ESTÁ SUJETO A IMPUESTOS.  Sin embargo, los intereses que generen la cuenta de ahorro y la inversión en MicroLending, SÍ ESTÉN SUJETAS a impuestos y en ese caso tu papá responderá al respecto para que no tengas que sufrir por cuestiones impositivas.   Para evitar que se incrementen los impuestos de propiedad, debes participar que tu domicilio es “Serendípity”, tal y como lo has venido haciendo hasta ahora.

It's important for you to know that what you inherit is NOT SUBJECT TO TAXES. However, the interest generated by the savings account and the MicroLending investment IS SUBJECT TO taxes, and in that case, your father will be responsible for this so you don't have to worry about tax issues. To avoid increasing your property taxes, you must register your address as "Serendipity," as you have been doing up until now.

Además, en el poder mencionado también se te asigna como su representante legal ante una enfermedad terminal de tu mamá.  Ella no quiere que la mantengan artificialmente vivía.  Si su cuadro clínico es terminal, preferiría que dieras la autorización para que pueda morir dignamente sin ocasionar mayores trastornos a quienes por ella sufran.

Furthermore, the aforementioned power of attorney also assigns you as her legal representative in the event of your mother's terminal illness. She does not wish to be kept alive artificially. If her condition is terminal, I would prefer you to authorize her so that she can die with dignity without causing further disruption to those who suffer for her.

Tu mamá ha registrado un “Living Trust”.  En ese “trust” estás tú de segundo propietario de Serendípity y yo de tercero.  En el supuesto de tu muerte, si yo te sobrevivo, seré yo quien herede las propiedades que habría dejado tu madre.  

Your mother has registered a Living Trust. You are the second-largest owner of Serendipity in that trust, and I am the third-largest. In the event of your death, if I survive you, I will inherit the property your mother left behind.

En caso de que te cases, debemos dejar MÁS QUE CLARO estos procedimientos hereditarios-legales para que quien se case contigo sepa EXACTAMENTE por qué se hizo lo que se hizo.  Debemos dejarlo todo MÁS CLARO QUE EL AGUA CLARA para que no haya malentendidos y no termine sucediendo lo que sucedió al morir tu abuelo.  En consecuencia, cuando decidas casarte… si es que así lo decides, lo tendrás que hacer mediante una especie de “contrato matrimonial” en donde quede MÁS QUE CLARO qué podría ser parte de la “comunidad conyugal” y que no.   Es decir, qué podrías compartir con tu esposa y QUÉ NO. 

If you do get married, we must make these legal inheritance procedures EXTREMELY CLEAR so that whoever marries you knows EXACTLY why what was done was done. We must make everything CLEAR as crystal, clear as crystal clear so that there are no misunderstandings and what happened when your grandfather died doesn't end up happening again. Consequently, when you decide to get married—if you do—you will have to do so through a kind of "marriage contract" that clearly states what could and could not be part of the "marital community." That is, what you could and could not share with your wife.

MUY-MUY IMPORTANTE – Algo muy similar hizo tu abuelo para garantizar su dinero en caso de que cualquiera de los bancos en donde él tenía inversiones se fueran a la quiebra en lo que se conoce como el FDIC, razón por la cual puso a todos sus hijos y nietos de beneficiarios, pero solamente para proteger sus inversiones.  El problema se presentó cuando el Chase no quiso honrar sus instrucciones cuando ya tu abuelo estaba cercano a su muerte, a pesar de los esfuerzos que hicimos para que traspasaran los fondos a uno de los tres bancos donde tu abuelo tenía el dinero.  Los otros dos bancos aceptaron sus últimos deseos, pero el Chase: ¡SE NEGÓ!

VERY-VERY IMPORTANT – Your grandfather did something very similar to guarantee his money in case any of the banks where he had investments went bankrupt, through what is known as the FDIC. That's why he named all of his children and grandchildren as beneficiaries, but only to protect his investments. The problem arose when Chase refused to honor his instructions when your grandfather was already close to death, despite our efforts to have the funds transferred to one of the three banks where your grandfather had the money. The other two banks accepted his last wishes, but Chase: REFUSED!

Ahora bien.  Como tu abuelo murió sin que el Chase honrara sus deseos (los cuales fueron probados más allá de toda duda, como tú pudiste comprobar en el video que te mostramos), todo se volvió un infierno y, en consecuencia: ¡la familia se destruyó!

Now, since your grandfather died without Chase honoring his wishes (which were proven beyond all doubt, as you could see in the video we showed you), everything went to hell, and consequently, the family was destroyed!

La mayor parte de todo lo anterior está supeditado a la muerte de tu madre.  Si tu padre la sobrevive, se tendría que establecer nuevas reglas… nuevas condiciones: ¡nuevos parámetros!

Most of the above is contingent on your mother's death. If your father survives her, new rules would have to be established... new conditions: new parameters!

Al final del FINAL, si sobrevives a tu padre y a tu madre, dependería enteramente de ti qué hacer con la herencia.  Particularmente, tanto tu padre como tu madre no veríamos con buenos ojos que repartieras TU HERENCIA entre cuatro partes iguales.  Tanto tu hermano Carlos Alberto como tu hermana María Carolina les han pagado MUY MAL a tus dos padres.  No veríamos con buenos ojos que tanto Carlos Alberto como María Carolina terminaran beneficiándose de un solo dólar de la herencia que te estaríamos dejando.

At the end of the END, if you outlive your father and mother, it would be entirely up to you what to do with the inheritance. In particular, both your father and mother would not be pleased if you divided YOUR INHERITANCE into four equal parts. Both your brother Carlos Alberto and your sister María Carolina have paid your parents VERY BADLY. We would not be pleased if both Carlos Alberto and María Carolina ended up benefiting from a single dollar of the inheritance we would be leaving you.

En estos momentos, mayo de 2025, podríamos dejar a tu elección, en el caso de que sobrevivas a tus DOS padres, la decisión de compartir tu herencia con Alejandro, en el porcentaje que tú consideres pertinente.

At this time, in May 2025, we could leave it up to you, if you outlive BOTH of your parents, to share your inheritance with Alejandro, in the percentage you consider appropriate.

La FINCA DAKTARI

Esa propiedad, la mayor que jamás tuvo tu abuelo como “propietario”, es producto de “interpretaciones legales”.  Fue comprada y PAGADA ENTEREAMENTE con el dinero de tu padre.  Se construyó y se desarrolló ENTEREAMENTE con el dinero de tu padre.  Muchas de las mejorías fueron hechas con el dinero de tu madre.  Tu tío y tía no aportaron UN SOLO DÓLAR.

That property, the largest your grandfather ever owned, is the product of legal interpretations. It was bought and paid for entirely with your father's money. It was built and developed entirely with your father's money. Many of the improvements were made with your mother's money. Your uncle and aunt didn't contribute a single dollar.

Cuando tu papá compró “Daktari” le pidió a tu abuelo que la pusiera a su nombre ya que el matrimonio de tus padres estaba pasando por una TERRIBLE PRUEBA.  Luego naciste tú y tu hermano Alejandro en “Daktari” y se debió haber traspasado la propiedad de la finca a nombre de tus padres, SUS LEGÍTIMOS DUEÑOS (¡tus padres!): ¡pero no se hizo!  No se hizo por varias razones… una de ellas, porque costaba dinero el traspaso y la otra por cuestiones “políticas”.  Cuando tus padres decidieron divorciarse en 2003, tu abuelo se negó a traspasar la propiedad a tus padres.  En consecuencia, él murió siendo el “supuesto” (¡legal!) propietario de “Daktari”.

When your father bought “Daktari,” he asked your grandfather to put it in his name, since your parents’ marriage was going through a terrible trial. Then you and your brother Alejandro were born in “Daktari,” and the property should have been transferred to your parents’ names, ITS LEGAL OWNERS (your parents!): but it wasn’t done! It wasn’t done for several reasons… one of them was because the transfer was expensive, and the other was for “political” reasons. When your parents decided to divorce in 2003, your grandfather refused to transfer the property to your parents. Consequently, he died as the “supposed” (legal!) owner of “Daktari.”

No sabemos si Venezuela algún día podrá ser liberada del castro-estalinismo internacional.  En el caso de que lo sea, la Finca Daktari podría valer unos cuantos MILLONES DE DÓLARES, porque en el lote se podrían construir varios edificios.  Antes de llegar Chávez a Miraflores (gracias a los cubanos castristas), un grupo de propietarios de la zona en la que se encontraba “La Finca Daktari” estaba logrando un cambio de “zonificación” para que en esa montaña se pudieran construir edificios como se construyeron en la montaña frente a ella.

We don't know if Venezuela will ever be liberated from international Castro-Stalinism. If so, the Daktari Estate could be worth several million dollars, because several buildings could be built on the lot. Before Chávez arrived in Miraflores (thanks to the Castro-led Cubans), a group of landowners in the area where the Daktari Estate was located was working to change the zoning so that buildings could be built on that mountain, just like the ones across from it.

Cuando descubrimos EL MISERABLE ROBO de tu tío, para que su hijastra no fuera a prisión, él aceptó renunciar a todos los derechos de “Daktari” … no así tu tía, quien – de paso – no sabía que ella era condueña – “legalmente” – de la tercera parte de Daktari. De producirse la libertad de Venezuela, no sabemos cómo va a proceder tu tía y, además, si tu tío acatará el convenio, cuyo original acuerdo lo encontrará en la caja de seguridad de Wells Fargo.   En todo caso, tú tendrías la tercera parte de Daktari y si tu tío honra lo acordado: ¡las dos terceras partes!  Eso podría ser una verdadera fortuna que te quedaría a ti y a tus posibles hijos y nietos.

When we discovered your uncle's MISERABLE THEFT, so that his stepdaughter wouldn't go to prison, he agreed to give up all rights to "Daktari" ... but not your aunt, who—by the way—didn't know that she was the co-owner—"legally"—of a third of Daktari. If Venezuela is liberated, we don't know how your aunt will proceed, and furthermore, whether your uncle will abide by the agreement, the original of which he will find in the Wells Fargo safe deposit box. In any case, you would have a third of Daktari, and if your uncle honors the agreement: two-thirds! That could be a true fortune that would be left to you and your possible children and grandchildren.

En caso de que tu padre sobreviva a tu madre, él preparará un testamento para traspasarte la propiedad de todos los libros que hoy se encuentran a la venta en Amazon: “Los Evangelios”, “Los Generales de Castro” y “Estafa Doble Agravada”.

If your father outlives your mother, he will prepare a will to transfer to you ownership of all the books currently for sale on Amazon: “The Gospels,” “Castro's Generals,” and “Double Aggravated Scam.”

En estos momentos (mayo de 2025) tu padre está negociando con Netflix la historia de su trayectoria política.  Los derechos de esa producción pasarían enteramente a ser parte de tu herencia.

Right now (May 2025), your father is negotiating with Netflix to retell his political career. The rights to that production would become your entire inheritance.

Lo importante hoy – mayo 2025 – es que quede claro todo para que en un futuro cercano o lejano no se produzca la hecatombe familiar que se produjo en 2014 cuando tu abuelo falleció sin dejar plasmada claramente sus verdaderas intenciones, tal y como lo estamos haciendo nosotros hoy aquí.  De todos modos, al menos entre nuestros cuatro hijos, logramos evaluar quiénes entre ellos, merecía nuestra más absoluta confianza.

The important thing today—May 2025—is to clarify everything so that in the near or distant future, the family catastrophe that occurred in 2014 when your grandfather died without clearly stating his true intentions doesn't occur, just as we are doing here today. In any case, at least among our four children, we were able to assess who deserved our absolute trust.

Kiko.  La historia de Paquito se puede repetir en cada uno de nosotros… en cada una de nuestras descendencias.  Toma por ejemplo a Alejandro y a Carlos Alberto.  De darse casos similares de Paquito en ambos: ¿quiénes van a velar por ellos?  Podrían terminar muriendo como “homeless” debajo de un puente.  Al menos María Carolina tiene a sus dos hijos, en quienes ella no podría confiar cómo terminarían respondiendo.  En tu caso tú estarás respaldado por nuestra herencia.

Kiko. Paquito's story could be repeated in each of us... in each of our descendants. Take Alejandro and Carlos Alberto, for example. If similar cases to Paquito's were to occur in both of them: who would look after them? They could end up dying homeless under a bridge. At least María Carolina has her two children, whom she couldn't trust how they would ultimately respond. In your case, you'll be supported by our inheritance.

Cuando tu abuelo murió dejó una herencia mayor a la que tuvimos que repartir debido a la negativa del CHASE de cumplir con el SAGRADO ÚLTIMO DESEO de un moribundo.  Carlos Alberto no aceptó nuestra propuesta y, junto a su mujer, dilapidó todo lo que “heredó”.  María Carolina empleó todo lo que le dimos en pagar deudas contraídas por el hijo de puta de su entonces-esposo.  Alejandro se compró un carro y una cámara profesional que jamás utilizó.  Tú te compraste un carro que todavía lo tienes y que no sabes qué hacer con él. 

When your grandfather died, he left a larger inheritance than we had to divide due to CHASE's refusal to honor the sacred last wish of a dying man. Carlos Alberto didn't accept our proposal and, together with his wife, squandered everything he "inherited." María Carolina used everything we gave her to pay off debts incurred by her son of a bitch of a husband at the time. Alejandro bought a car and a professional camera that he never used. You bought a car that you still have, and you don't know what to do with it.

Lo que le quedó a tu papá LO INVIRTIÓ.  Si hubiera contado con lo que MORALMENTE era de él, hubiera multiplicado su herencia en beneficio de sus herederos, que en este caso resultó ser uno solo: ¡tú!   Tu padre no DILAPIDÓ el dinero heredado: ¡lo invirtió!  Le propuso a tu hermano y a ti que lo invirtieran con él y Uds. se negaron.  ¿Cuánto hoy les ha quedado de lo que “heredaron” del abuelo? ¡Nada o poco…!  Si hubieran invertido en MicroLending los $ 20mil que (más o menos) recibieron de la herencia, hubieran podido haber recibido comenzando 2015 (al 10% anual) $ 2,000 extras y si ese capital más intereses lo hubieran dejado “engordar”, al final de 2024 tendrían un capital de $ 43,300 que al 10% anual hubiera producido $ 4,330 unos $ 360 mensuales: not bad!

What your dad left him, HE INVESTED. If he had counted on what MORALLY belonged to him, he would have multiplied his inheritance for the benefit of his heirs, which in this case turned out to be only one: you! Your father didn't Squander the inherited money: he invested it! He suggested to your brother and you that you invest it with him, and you refused. How much do you have left today of what you "inherited" from your grandfather? Nothing or very little...! If you had invested the $20,000 you (more or less) received from the inheritance in MicroLending, you could have received an extra $2,000 starting in 2015 (at 10% per year), and if you had let that capital plus interest "grow," by the end of 2024 you would have a capital of $43,300, which at 10% per year would have produced $4,330, about $360 per month: not bad!

Mi abuelo, quien llegó a Cuba sin un peso y terminó siendo multimillonario, decía que el capital no se gasta: ¡se invierte!  Lo que se gasta, en todo caso, son los beneficios que produce el capital.  Y eso fue lo que hicieron tus padres, Kiko.  Si no lo hubieran hecho, hoy estarían viviendo debajo de un puente como tantos “homeless”.

My grandfather, who arrived in Cuba penniless and ended up a multimillionaire, used to say that capital isn't spent: it's invested! What's spent, in any case, are the profits that capital produces. And that's what your parents did, Kiko. If they hadn't, they'd be living under a bridge today like so many homeless people.