The fault lies with the tip.

Hello, hello, hello! Did not we already agreed on us, right? because we are the first here for us whenever you have in your minds mortgaged.
Today, porsupuesto, but "injections of liquidity," ... for inflation anal ... ha, ha, ha, ha,

Good morning, and a link:

http://www.elpais.com/articulo/economia/claves/crisis/financiera/inedita/final/incierto/elpepueco/20071217elpepieco_6/Tes

Greetings!

Short and hit the previous topic ...

"Good morning, everyone,

First of all, take some time reading this forum and trying to catch some light notions of how and where will the economy of this country and the truth is that a horizon is pulling a dark gray, it seems that there are more alarmist news that we do not know which will lead us, but it soon rises and increase the Euribor CPI (well that first paragraph is obvious, is something that we all know and that anyone who read all the post that have been writing draw the same conclusions).

Secondly, I called a lot of attention this parasite that revolotea here by calling us fools indirectly, for which we work and do not look like him, plus he is gaining unemployment for a job that has not made (remember that in previous topics that the company of a family member is hired but that did not make any apology ... carlos23 that are not your exact words but I can not devote my time to find your post because I am working and I do not have excessive time, as I take my minutes to rest this post).

Well I will tell you that I do not want to be like you, nor will we ever will be as long as it can be working for me who likes to be honest and earn the bread with my sweat and no one gave me nothing, also inform you that we are not a few those who work and study at the same time, we do not need to be on the dole (or not having worked in life) to be able to study because I want to build a future and I do not want to live on past income.

This is not to explain my life, far from it, but you know that I and many people do not want to be like you or you have to be envious of botellón, study and charge for something you have never worked.

Of course you are still in first? "

Greetings to the forum,

If you're still reading this forum as long as everything really dark ... I do not remember the day in which there was optimism. Here we are in crisis ... jajajaja so do not be sulphides.

In addition, the restaurants packed as usual, the shops brim, the extra pay already invested, we are still in the champions and the most important tips that are clear of the euro. A message from the government of Spain. jajajaja

Ale to have fun!

# 3, Miquelon;
Are you in madrid salamanca computer?
a greeting

Good morning -. With regard to tips, I suppose it will all, I as a rule, unless the deal has been really good, or not leave a penny, and less from now that I know the Minister Solbes compensates racanería.Lo of my ignorance of € I got more clear, whether we should definitely be an idiot to not know what you are trying to rob or steal here and there, Mr. Minister does not take us for being so useless as it rodean.Los Tips for buying shares are always the same and already bored .. buy that the stock market is now cheaper than if for fundamental and blah blah blah and pasta for a personal slap tubo.Me finally staying with the view of Greenspan, who is can accuse him of little things and usually does not err in its analysis.

Does anyone know who said that we should eat rabbit?

jur jur jur

Someone knows what is happening with the euro? And the bag? There are some macro news today that it has not found? They are vultures flying over the tip of the trade? jur jur jur often days ahead,

Today subidita touches of 0,015 to around 4.9. As I heard the other day on CNN +, under the heading of economy, it appears that the auditors are not happening or that are banks with the rope around his neck adjusting accounts this year. It seems that in the end if that is influencing it in the Euribor.

A greeting and happy Monday.

Good morning forum,
Read the topic touches on a bill with the Treasury and now we are two sighs to end the year, he would appreciate me clarify some doubts.
I am a mortgage since February 2006 and take (between amortization of principal and interest) paid to my beloved bank nearly eleven thousand euros this year.
The questions are. As I can deduce in total? By early 4500, that depends on me that I can deduct 25% or 20%? In 2008 too?
Thank you

Perhaps the friend Solbes did not know that tips are not included in the calculation of inflation ... Although 1 euro tip should be very little for how well we will all economically fantasmillas according to some who swarm around here.
I was recently in the U.S., and there is a tip for everything, and they are 10-15% of the invoice. That is, if you were going to dinner in a restaurant and you nailed $ 50, you saw "morally" obliged to pay about 10 tip.
About what to eat rabbit, I can not see it as serious. After all what is with something like this aim is to rebalance the market (law of supply and demand): the sector of the rabbit out of the deep crisis it is facing, and the prices of other foods down. If we were more educated as consumers, would require the government to tell us these things. The worst thing is that we take them over to evil.
Indeed, Enculador mine, with that of "pay extra inverted" you mean that we have the cast? Because that more than a good sign, perhaps something bad ...

I see a lot of pain ... pain ...

# 5, Student
No, I will be in Barcelona Telecoms

# 4, Enculator
Well, yes truth in this forum is often seen all black, at least we're giving you for the "Gotel of color" to this forum;). I think that what is the forum reflects the uncertainty of these next few months.

Outside the computer screen, you have reason enculator ... shopping centers overflow, the center petar, restaurants filled ... Yesterday I used a full public transport to save petrol and you do not see how well it goes, hey! (both for the pocket as for the environment).

Greetings!

Unfortunately I do not pay extra, but if I have basket! Jamoncito Iberian and, as said by people in general ...

Government of Spain.

Good morning.

Al sr. Solbes say that the real world and get off and stop saying sandeces as evidenced by their words that do not have any clue to the problem of the citizen, while the offending people, and we spoke as if they were Stupid.

Finally say please stop making cheap demagoguery and put an end to it atrabajar the mandate and it was time to do something.

PS: As noted they live to another level and does not affect them one iota our economy.

Let's start with a week-euribitor bet I believe that down a couple of hundredths, today is the day's relax the Euribor, and upload more tomorrow, the truth is that we have a government that we deserve, Patan, liars, cheek, and also we swallow them, when the buddy helmets dropped the Paridae everyone complained, protested, and so on, but with these, as "representing the people" people just shut up, it hurts, and we continue to pay € 1.30 to coffee and eating rabbit it is more economical and out of the night to consume, jejeje, I for my part I prefer to let my girlfriend out to dinner to follow ... you have prepared a doubt, that you are still not very expert and I have to answer either with google and even less with the banks, see:

I have discovered that as a housing voucher account any financial deposit while using the money runs out in the purchase or renovation of a building, the question is how they justify this to be taxed? and that judicial resolution or not, they say what I write is more, if anyone knows any fund worth? doubts, doubts, I have something to do with my money before the end of the year ....

Greetings, good Monday and thanks for the experts to slip on the blog of San Clopez !!!!! and by the contributions of Forero ...;)

# 9, teruka
The cap per year is 10,000, including all management expenses. The second year also capped at 10,000 euros (that's what I have declared myself, I have been since October 2005).

To # 9, teruka

Te less 20% for the 4500 and 15% of the remainder up to 11,000, as 25% depends on when you have a mortgage but more certain is that you do not pq caught this 25% has already been removed for those hiciern Bone in 2006 that only if the pillarias did in 2005

I, as a basket of Christmas, I bring you a collection of polllazzos:
Taken from ABC:
http://www.abc.es/20071217/catalunya-catalunya/crisis-anida-vivienda_200712170259.html
Until recently, when someone commented that he had bought a house, all congratulated him. "Now, it seems a little less silly, because everybody tells you you should have expected, because prices are going down," acknowledges an important promoter Catalan

A couple of news about the crisis that exists in other countries, which of course in spain not happen here because we have our cojonazos:
Housing fell by 7% in one month in London
http://business.timesonline.co.uk/tol/business/money/property_and_mortgages/article3059977.ece
The signs of "stagflation" in the U.S.
http://www.cotizalia.com/cache/2007/12/17/88_greenspan_signos.html

A Gropada promoters of the low price of housing to revive the sector (but if the house ever downward!)
http://www.vilaweb.cat/www/elpunt/noticia?p_idcmp=2668358

Another property which is declared insolvent:
http://www.eleconomista.es/vivienda/noticias/331894/12/07/Segunda-victima-de-la-crisis-inmobiliaria-tras-Llanera-la-vasca-Ereaga-se-declara-insolvente.html% 3Cbr% 3E

I see a lot of pain ... pain ...

for # 15, Seelah

These 10,000 those safe? that I know are 9015 per person.

Have you gone up?

The problem with politicians is the salary paid too, should live with the average salary of españolito, and look like you got to worry about what Curran and problems of the people, feel sorry for our political class, deserve the most% low in the history of voting for the upcoming elections.

A greeting

# 16, Murdok
Yes, you're right, it was 9000 and something, I do not remember the exact amount. And what I'm SURE is not SAFE.

9015 I think that no penalty would be 10,000 more to return XD

Hello everyone

I never leave as a tip, I do not care as much about when I leave what are we going to dinner or several meals and do not let the accounts 40 cents to spare.

Other times I have already spoken of a friend of my girlfriend who bought a flat at about 330,000 per plane with the boyfriend for 3 years. At one year, broke with the boyfriend and carry 2 years trying to sell it.

The latest news I have is that now the former, prey to panic chungo to see what they have to sell the apartment, see that they are lowering the prices of flats and what has gone up, up and possibly raise the Euribor, it has she proposed to rent the apartment for at least reduce the costs are considerable.

She is still thinking of renting because they would pay half the monthly installment, which is not small, so they would have to continue paying them and just come to rebuild their lives with their new partners.

Poor boy, 3 years by paying a flat month to month in which he has not even lived and not a day without being able to forget his ex.

I give you I'll continue just like this soap opera, but I think that goes for long.

A greeting

Bhaal

Leet this link

http://www.aeat.es/wps/portal/Informacion?url=Ciudadanos/Vivienda/Tributaci% C3% B3N + of + the + buy + + + on the housing / Deducci% C3% B3N + by +% Investment C3% in B3N + + + housing residents 20tual/Cantidades% + + deposited in accounts + + Housing & channel = f37a08ac40bca010VgnVCM1000004ef01e0a____ & ver = L & site = 56d8237c0bc1ff00VgnVCM100000d7005a80____ & language = en_US & menu = 2 & img = 7)

Yesterday I was looking for information on the subject, the conclusion is that if any true fixed term, but not worth all the money, it's the only lei funds on a site that could be regarded as an account housing which are fixed income (search more information, and you do not go to just trust me), I think I'm in your case, and I will do some fixed-term account to 5% as housing.
I think an important point is that when you open it, you have to specify the bank that is home to one account, for they inform finances. This point gives me a little scared and I can ask me to put it in writing in the contract, you are not going to be losing the 1300 € this year.
Sorry but I'm not no expert, but with what we know, I think that in the bank and we should make things easy and not take the hair with accounts yielding less than 3%.
I hope that there is much canchondeo now, saying that there is much demand embalmed, because if it does not go down floors, or remaining 4 years, I do not purchases and return the money plus interest that I have generated money finances.

Buenos dias,

the first thing to thank the people who told me on Friday to my doubts because I could not re-sign or a second because it was very bundled with the job.

I was wrong with the nick

Excerpt from ABC news .... "In view of Videla, doctor in economics from the University of Chicago," lower interest rates would be a perverse incentive, because it would save the lives of the people who made the mistake of assuming too risk in homes overvalued "... .." can read the compelto on the link # 17, Attila, King of the year.

.. the party is over!

The second thing is a little things that you asked me and not answered:

Already he commented that my brother has a reservoir at 3.5% and that it negotiated and we have risen to 4.25%, but has been told that we do not need to sign anything ... can not be trusted, right?, Because if you do not sign any na piece of paper or certain that he will put the interest in the contract, 3.5%, although he has negotiated orally 4.25%. What shall I say?

# Bhaal

Other things, so if you have seen the statement of income over the Internet, the program accounts for parent housing, gets a digit less than a fixed term.

When we add the data by deducting housing has been requesting us an account number, this number has the format:
XXX-XX-XX-XXXXXXXXXX

and against, the account number for a deposit has the format:
XXX-XXX-XXX-XXXXXXXX

To this I have found no possible answer and I am not quite sure how to do it, I always make the floor in the office of finance and I hope resolve it there.

Good morning forum:
I have someone tell me where he goes. ZP and Mr. Solves for breakfast pk by aki no breakfast low of 3 euros without tip clear.

To # 27, Rebeca:
Best writing that talked, but I think it will give 4.25. The banks usually charge up to try and breathe well with everything. But once you've called him something and you say yes, you are running. With banks can apply what's that "not crying no mama."

# 27, Rebeca
That sign, paper in hand. The times they run are the words that brings the wind.

But how can I be so NECI Mr. Solbes?

(He opted for the qualifying adjective that best suits her unfitness as the position it deserves, although a son of this is the first thing that came out of my mouth when I heard his lindeza)

One Euro for example is worth almost a liter of milk, clear that neither knows what it costs one liter of milk.

But how can this man be so incompetent? Of course, in the end all the blame is mine and the government are working hard to make me come in and spend the euros reason that I take away with me every month to improve my darling Spain, in paying ads on television as important and with a slogan as blunt as "Wake up, breakfast!"

But that NECI Mr. Solves!

# 25, Murdok
No problem, be happy as Carlos23

MEETING 17/12/2007 11:08

Middle type
Week Euribor 4.07
1 Month Euribor 4.93
Euribor 2 Months 4.946
3 Month Euribor 4.949
6 Month Euribor 4.917
12 Month Euribor 4.885

14/12/2007 Eonia 3.852

It's sad news of the couple that "Rent" is not like you can comment as a joke or a soap opera, I do not make any grace.

It is a very serious problem, I was in a similar situation with a house that I bought with my ex, in the end I gave him a quantity, that they do not want to wait and sold the house for 80,000 euros over the three months. Their problem by not wanting to wait.

Well it seems that the news of burbujiles are easy to find lately, if we are lucky to have housing and low 30% that I wanted to buy a apartamentito on the beach and a few garages in my city. We will see in two years although I doubt it very much ...

Hale, for those who expected bajadita takes longer.
Increasingly expensive ... huyhuyhuy

I know that I arrive a little late to the survey of mortgages, but there are going to my wife and me.

Start 2001 to 25 years (after recouping about 15 years time are outstanding) 54,000 Leura Euribor +0.9 € 520 quota.
Start 2005 to 30 years (redemptions of shares) 153,000 Leura Euribor +0.33 816 € quota.

This rises very slowly, to see if it rises to 7 and we are going to take everyone by ass, both rich and poor XD

To # 35, Enculator:
I also give me the couple penalty. But without more data on which floor is located, meters, etc. salaries of them, I get to think that perhaps Mr. Solbes is right that we do not know what it is worth a euro. Perhaps this pair thought to be 330,000 euros for Heuristic thousand things that do not reach the million euros is enough to pay for it. Because if we know what it is worth one euro (55 million plus expenses flat over the 60 million) have to be a little millonetis to get on that floor.

# 27, Rebeca

Of all the numbers we are talking about? by 5 months ago that I already traded at a 4.05%, and the other day I went to the bank and I digeron now 27 Dec ENDS WHEN THE DEPOSIT IF YOU WANT if I want another at 4.95%

4, as are the little things now!!

I am not a friend but when Solves ZP said that it cost 80 cents a cafe the world did a study and I do not think it moves away from what he said Solves, should I have said that the tip was 46%? It's easy to criticize, and fun too, but we are not crazy again.

http://www.elmundo.es/papel/2007/03/28/espana/2104001.html

"By province, THE WORLD yesterday a randomized study in the cafeterias close to each of the delegations of this newspaper. The coffee is cheaper and takes about an hour before without taxes: Tenerife and Las Palmas in the price it coincides with the 80 cents that President Zapatero believes that slope. But anywhere else.

In Castellon, worth 90 cents, and from there, it exceeds the border of the euro: one in Malaga, Almeria, Valladolid, Burgos, Leon and Soria; 1.10 in Sevilla, Barcelona and Alicante, 1.15 in Huelva, and 1.20 in the Balearic Islands, Valencia, Vizcaya, Guipuzcoa and Alava. "

A little help with the issue of depreciation deductions ...

I thought that starting this year, ALL the usual deductions for housing should be 15% over a maximum of 9015 euros.

But now I read that this is only for homes purchased after January 20, 2006. If the purchase is older, still with percentages of 25% and 20% over the amount for the first 4500 euros and 15% for the remaining equally up to a maximum of 9015 euros.

Am I right? Is not it very strange for me I can deduct more (housing purchased in 2004) than one that has bought the house in 2006?

What is my lovely Spain! with all these marvelous that once were berthed at the restaurant or bar. I give the robber the corresponding tip, so the next time they ask what they cost more, the owner reads it, I've gained a dough to these nerds and above it seems that they are economical because they tip a succulent, a sign that recovery cheap, the next they put 10% around the nose and nothing happens here, who Restaurants glasses, cups, cutlery and other utensils are sucking by other people and we do not know what kind of disinfection lead, I always washed with water and a little more, health checks are very deficient and the nonsense of the owners are unconscionable. Therefore tip nothing at all, in any case books claims for armed robbery and risk of infections, salmenolosis and others.
A Font-7 that question: Does anyone know who said that we should eat rabbit? ... ... .... Estimated Font I propose food of rabbits, but the mouth vertical, and then a shellfish in any rule together with the bunny, which is what makes our politicians, is the real proposal for our politicians, what happens is that they speak rabbits and many interpret that speak of Oryctolagus cuniculus, but see if they are that the cuniculus they transform into cunilingius and in that I stay with my rabbit.
In the second half of 2008 is a God we take confessed! And the pantheons Banking accounts with sound

# 42, moloMUCHO

Answer: It looks to me very strange, but I think that's right. Lucky you.

40, Raul,

we are talking about 10,000 euros a year. Not, I think that even the 4.25% is slightly but not where you can give more, where you give yourself the 4.95%?

With the theme of the cafe!

Saying that in the cafeteria VALE OF MY JOB € 0.45, but it is true that if a tomartelo salts in a restaurant, I paid € 1.15

The € 0.45 to win when not sold cafes? Thief!! The blame people for pay! as the story ... ..! as it all!!

# 23 Peel

I am grateful for the info! Which is what banks are exorbitant, the devil on earth, go! We offer accounts to 3%, which is less than inflation, unless the goals that they want the Euribor and pasta there! at least 5%, please !!!!!!!!

# 45, Rebeca

lacaixa, tb and I have the money to one year!
You have to do is to have nose! and you really like give you more! I'm going and I cry, and you know that the day I did not give more than the enemy are left without my €, pq they already know that I left my previous bank pq that I improved! But if this year another improvement me, I Marx!

Mira and asked! but I think in Ibercaja (check out the website), giving a 5.15% to 9 months, an e-more than 6% (pq will Euribor +15% a month) to 6 months
Well, mine of caixa I did it in the bank, and now the subject of ire on the Internet that provide 5 to 6%
They sulen adjust to what you tell them, but do if my calculations lead me to give more than 4% for some 10meses and then the Euribor was 4.09% in the fighting since at least the value of the Euribor now! do not miss anything!

Desde luego, la afirmacion de Solbes creo que es desproporcionada en cuanto al tema de las propinas: por dos cafes no creo que se suela dejar un euro de propina (yo lo he dejado en alguna ocasion pero con motivo de alguna buena comida/cena acompañada de buen servicio). En todo caso, donde creo que no va tan desacertado es a la hora de considerar que, mucha gente, no ha valorado bien el cambio de la peseta al euro. Pero, no creo que eso sea culpa básicamente del ciudadano: con el euro los precios se han ajustado al alza, mientras que el ajuste salarial, tal y como lei este sabado en el pais, ha sido una de las claves para el crecimiento economico de España de estos ultimos años. Resultado: pagamos los de siempre, los trabajadores. Lo que antes pagabas con una moneda de 100 pesetas, ahora lo pagas con una de un euro (por ejemplo), cuando nuestros sueldos siguen ajustados a la primera realidad. Solucion:deberia de haberse reducido el consumo desde que esta situacion empezo a hacerse visible….y no fue asi…..En todo caso, nunca es tarde para empezar. Porque la contencion salarial sigue siendo una politica economica actual: se recomienda ahora no subir los salarios segun el ipc actual (del 4,1%) sino subirlos segun la media anual (un 2% creo). En fin, lo dicho, nunca es tarde.
Saludos.

Yo no sé si el precio de la vivienda esta bajando, aunque yo he comprado una casa en Valencia que estaba tasada en 214000 euros por 157000€… Sea como sea a un muy buen precio porque esta muy céntrica.

Lo he arreglado todo con ING Direct, y al parecer puede que firme antes de que acabe el año.

¿Yu-juuu?