How things work

Anda giblets graphics that bring us today clopez, the first this quite clear ... but the second is that? This downward curve over the needle of mind revolutions ... jajajaja

You will have no wrong and we've put the graphic of a product thinning of the TV store? lol

Come good days and the optimism alive.

The last point (the lower right corner) is the prediction for the second quarter of 2008. What is the last historical point?

Today you have to download the Euribor, because Enculador was the first post in the morning.

There will be crises, but I keep seeing all packed supermarkets, bars must be requested table before Saturday but because they are full, my sister-in-law who has an agency is to stop working for those who are on vacation.

Sure that there is a crisis, it is not that we have the usual?
Ó much black money is moved?

One of the questions easy,

24, 25 and 31 this month there was no banking activity, I am the truth ...? or for 24 and 31 do exist ...

What I say because if those three days I have mentioned before that there is to do half the Euribor are very few values to close the half of this month ... we are going to review that with this month Euribor has to be happy ...

A salute and thank everyone for sharing your wisdom

Clopez Thanks for the info on subprime mortgages, it is quite likely that this type of mortgage did not exist or are very few in spain, is curious to know how things work, and if there is right to say that there is no subprime in Spain, here we follow the normal system, however it could be worse, since even with increased security we are reaching the same conclusions, that is, we fall from above. Anyway we should compare the graph of the price of the flats USA to Spain for the same graphical power "speculate" with the future price of housing on the basis of known and expected behavior.

I bet today by a small upswing in the Euribor despite the fact that yesterday said it would fall but I think that came to 4.83%, in my opinion is still not trust the banks because the injection of liquidity does not eliminate the real problems that have affected banks, The problem is that I believe is well liquidity from the ECB will not save ...

Greetings!

And ... ...
Given these prospects and mortgaged as a citizen, someone could give me an affordable menu for Christmas?
I will mourn ... buaaaa

Hi, Cristina.

Well, yesterday I went to the purchase, half empty Carrefour, the parkings of PlazaNorte in San Sebastian de los Reyes half empty, any other year at this time prenavideñas are at the top. I just tried to advance the Christmas shopping to avoid the Mogollon and I at least do not see them.

Indeed, prices since last week (I've been doing the buying, and I fix soil in these things) have gone up in many ways from 10 to 20%.

I ask your sister if the average expenditure on the vacation packages is the same as last year or has been reduced.

A greeting,

There comes a time when rents rabble ....

But let nobody out of drinks, dinner, and where to look ... .. the famous company Christmas dinners, sure that a lot today or tomorrow.

And who pays the copitas in luygares fashionable to 8 or 9 €? Well, all ... .. We will drop from anywhere.

I wonder what are the trendy destinations for this year's Eve or more defendants for gifts this Christmas.

No, no ... .... that you will keep spending ... ... ..

Also this year with the Euribor grazing 5, there would be a carnage (I think he writes well ..), and chastising them, and whips, harness and such and such, and I see someone who has the whole repertoire raising dust in your house.
People come by for dinner there, even if you just, pq that works for both (some), for any given whim and have the kitchen clean one or two nights a month. will buy food in the Supersad, because if you do not eat we die, there does not count if you buy potatoes, rabbit and rice, or entrecots, eggs and lehce .... q climb all over, people have to continue making their lives simply will / we will go to the cheapest, to do the same, although sometimes with lower quality, but it is where we are carrying ....
and the holiday standard, a free month or 3 weeks a year, do not you are staying in your house locked up, albeit 100euritos save each month or the month that you could not 50 or 25, and in August even though you pyres is a hotel tarragona to disconnect from the daily routine evil that we have ... carpe diem!

It is obvious that in Spain the prices have not fallen in a brutal manner as in the U.S., and that everybody believes that they will lose and this is a major cause of falling, so I am not going to collapse (perhaps somewhat lower).

The Euribor today will stay around 4.81 (and El Gordo will be 41,587).

Season Greetings

The data in the chart are http://www.responsiblelending.org/ curious web, by the way.

Optimistic:
As I say ... the big hits clear

An optimistic news, and logic on the other hand
http://www.elpais.com/articulo/economia/BCE/inunda/mercado/inyeccion/record/350000/millones/elpepueco/20071219elpepieco_5/Tes
Soon we will look at the Euribor nearest to 4 to 5 and if not at the time.
Greetings

Cristina 3 #

That if there is so much black money?
Because if everyone who has sold floor has a enbolsao% of black, and that's not what you put in the bank, because now people have to pull the money from under the bed. And do not you think it is not enough, there are many people who did it. Hence súmale of the people who gained a lot of black money, because the salary "official" media has not risen much, but I know masons, unofficial, pawns of a bricklayer, who wore their 3000 Eurit a month and the wages were only 1200 officers.

That's why people buy and buy, because there's banking crisis, but muuuucha people have their own bank in the sock.

And if those people had no socks if that would have difficulty, and good, because no one could buy anything and muuuuchas companies are going into bankruptcy.

On the other hand, Clopez hey, let's see if I can illustrate a little, because these days ago it seemed that once again began to interact movements in the stock market and the prices of foreign currency with the behavior of the Euribor, but is that yesterday the bags fluctuations had a behavior that does not mean pu.a nor his mother. And me and I am beginning to tire of not understanding anything.

One step greeting and I Christmas dinners and lunches, which my colleague and I see them every day and as with them.

While waiting / masters with the illusion Euribor today, see this page
http://www.parasaber.com/economia/fiscalidad
And .... That takes 15 minutes to edit my comments on this pileup?

Hell! the organization that has Clopez of the subprime business is like my business when I have a problem I do not know to whom to address.

# 1, Enculator

Anda giblets graphics that bring us today clopez,

Well, kid, are highly Claritas, especially the second.
Increase / decrease, which are falling home prices in the U.S.
as we are starting to do well in Spain.

Menuda home I'm going to buy in 2010 by four tough.

I do not know where to draw the people the money, but I do not feel much down in the flats in Spain (Valencia), I decided to wait at least 2 years, a period in which my house expires, I'm seeing friends and neighbors Barna , Putting in floors 250-300.000 €, and with lower wages than mine, I expect them to download, but in Spain I have the feeling that people spend all, and does not look like things are .... So, or Euribor quite rises or the dynamics will be here as much to maintain, and the usual win, thanks to the usual (us) that we continue buying as much as we are told that this overvalued housing

Gentlemen, that is about to marry the Euribor. My Mother, I have no ligerita an idea of what will happen, but I do not think there is a scallop as of yesterday. Incidentally, I've Clopez not contestao. Those in the stock market does not know where to throw much either, buy sell, buy sell in a matter of hours. They all fear that seven more old, and this indicates that there is uncertainty in the markets. For me that the injections of morphine is ineffective for much. Everyone is awaiting the new year arrives.

A saludito.

According Astroc five days lost in three meetings by 28%. This company is dedicated to that? Astronomy. Studying the stars, those that are beyond the clouds?

Raul, totally agree with you. At all. That's how I see it is happening and things happen.

someone can put the data in the Euribor today?

To # 17, RAUL:
My opinion is that the lower floors had begun to be felt this past summer, is a sensation that I have at least here in Palma de Mallorca and I do keep track of the floors at least in my area. I know that there are many people like you say he is still trying to buy or flooring that gives 300,000 euros Like everything, but that from now on all these people (or much of it) that wants to get into these flats they are not going to be able do not because they want to, but because the bank is going to say it was seeking an 220000

mrq3,
wait a bit, do not be impatient, they are emplatando for ponertelo pretty on the table

Small drop in the Euribor to 12 ...

MEETING 19/12/2007 11:11

Middle type
Euribor Week 4.025
1 Month Euribor 4.564
Euribor 2 Months 4.775
3 Month Euribor 4.812
6 Month Euribor 4.817
12 Month Euribor 4.813

Eonia 18/12/2007 3.874

4.813

MEETING 19/12/2007 11:11

Middle type
Euribor Week 4.025
1 Month Euribor 4.564
Euribor 2 Months 4.775
3 Month Euribor 4.812
6 Month Euribor 4.817
12 Month Euribor 4.813

Eonia 18/12/2007 3.874

# 5, Bhaal
"Thanks for the info Clopez of subprime mortgages, it is quite likely that this type of mortgage did not exist or are very few in spain"
I believe the number is high especially those granted for 3 years. another thing is to say that there is not, because they have not yet come to light. next year we will see exposure when unemployment rises (according to sources only 400,000 in construction).

# 10, optimist
"It is clear that in Spain the prices have not fallen in a brutal manner as in the U.S., and that everybody believes that they will lose and this is a major cause of falling, so I am not going to collapse"
actually prices have not fallen much, but hoped that the American crisis reaches Europe, we will see far lower. for my part I think the drop will be considerable. As? because if the property is overvalued by 30% according to Bank of Spain, down 40% and then a rebound Pelin.

I hope today fall of the Euribor.

# 10, optimist
December 19, 2007, at 10:24.
The Euribor today will stay around 4.81 (and El Gordo will be 41,587).

I just in case I buy that number, jeje.

Half of the month: 4.803

And if anyone knows, I repeat my question ... how many meetings left this month to close the half ...? My question is whether 24, 25 and 31 are banking ...

Thank you
A Greeting

The new rules Acojonantes of the EDF.
If these new rules are half of what you asked any bank here!
No wonder they are starry, but what surprised me is that banking analysts do not see in time to avoid bancosrotos, reading bancasrotas.
I refer to cover the backs from the perspective of bankers, as the mortgage do not care or we will never in cases of crisis.
On the other hand the conditions that were being applied to pure mentality before they were American.
Do not check to see if you come to pay up the insurance / s.
Check to see if you can not pay taxes.
Check to see if you can not back the pasta.
Do not check to see if you've been delinquent.
I do not pay capital for 10 years.

No wonder (and I am glad) to sink the sisters of charity that these are Yankee stool.

Hello everybody.

Esla first time I write if I have time leyendoos. But today I was that something unusual has happened.
I've been several years now unoe client, I have only one account deposits or electronica or anything. Well, today we look at the account had an income of 127.5 euros in part settlement of a cabinet nominated by transfer of technical organization ... That puts. No idea it was. I could not be paid extra, which incidentally I have not even claimed, because it was too little.
Then I had reached a post of an e which reads

"We have to make a transfer of good wishes to your account. We expect the balance at the end of the year is very positive. Season Greetings on behalf of all we are doing an e. Signed
Santiago, Rodrigo. director general of unoe. "
Have gone mad? Were wrong?
This "deal unoe pay their customers? What can this be?

Do banks give away money?

Good morning:
Everyone talks about falling housing prices, but I only see that lower-grimy floors by those who previously demanded a dough. In the market rent is not where I learn anything; How far that the crisis will affect the price of real estate rents? Will more flats to the market rent? In my case, for example, live in a village near the city where work and home prices have stagnated, even some emerging as another plum. However, I want to bring my in-laws live near us in an apartment for rent, and there are hardly any flats under these conditions, and not reduce the cost of 500 euros per month. Can I assume that next year will emerge more rental housing at a reasonable price or I am a dreamer? A greeting to all Forero.

Pucela,

On 24.25, 31 and 1 no activity.

As you can see he was right, it should open Enculator the post every day, as the Euribor is so convoluted that to bring down the contrary, jejeje! Just kidding.

I am here yesterday from Asturias and shopping malls were petados of people, even those in the suburbs, and the boxes filled with carts full. The section of champagne or enter!

Hopefully the lottery with us.

# 33, CRISTINA
December 19, 2007, at 11:27.

Pucela,

On 24.25, 31 and 1 no activity.

Thanks Cristina, certainly clarified ...

Yaaa what we have here, a bajadita of 0,015. Is it possible that the adjustment of bank accounts is already settled with the injection of yesterday? If it does start a moderate fall of the Euribor, until mid-January? If so should continue to decline until it reaches 4.5 or 4.6. And that's that blow down is a lot to me as my

Greetings and good day.

Today the 1-year Euribor almost no low, but the 3-month Euribor is already below the Euribor 1 year ...
The lower down the Euribor is a 1 is the year that matters most in mortgages ... but the injections do note that there is much tension and principles of crisis (yet there is no crisis), if they would not be necessary
With regard subprime system I must say that in my first job was canceled 2 projects of this type of business (in Spain), so I know a little operation.
None of the 2 came out into the marketplace and wanted to devote to seek funding from a large bank and they were engaged in lending money (mortgages, loans ...) without the company that financed them they could "censor" who gave pasta ...
Personally, I was in 2 meetings with potential funders and the 2 were saying the same thing ... is that with the crisis in the U.S. ... and I ask myself, do not you have another argument that the crisis in the U.S., I am not surprised that they dijesen things like " Your beach bar, if you want to accept mortgages or loans, give the conditions of entry to have our clients "or something, not because your beach bar that seems cool but I do not trust them because these had gone wrong ...
a greeting

We do not have the look of rents to fall. People who bought to sell does not want to lose money or run out flat, one option is to rent, and are doing so high, in order to pay for everything we can through the rental and were left a letter for mortgage moderately low. Speculation of housing has gone to hire me as me.

Pucela, there is banking on 24 and 31.

Greetings

News in Brief bag the paper:

11:09 (BMS) - Trichet think we're going to have problems with inflation in 2008

Genius and figure to the grave.

As for the story, I hope you come down in price, although I already have mine, that's why I'm paying my mortgage religiously.
I wonder that if the rates are higher and the low price of the flats, who leads the difference?

Anyone who sells not.
Anyone who buys either pay more for the mortgage.

.. So who takes the pasta ..????

I am also open the forum to have if I bring luck, but I do not want to spend all my luck that on Saturday I want you to touch the fat. lol

The truth, I expected a greater drop ... Today we did not have to talk Trichet? or what I dreamed?

Certainly I keep saying that housing does not drop, to be Chollet but in general if not lower. and I'm with resignao post 37.

Greetings.

With the average of today, 4.803,
We would have two "decimacas" with respect to November -> 4607%
and are no longer many days to "rectify"

and what to leave guapitos kick in the photo are blood money

nothing, nothing, yes, in 2008 another subidon 20% in the price of housing, juas juas juas

The oyster that we're going to hit!
misleading the Euribor, on Thursday and Friday to pick!
burn dem all!

Hello everybody,
How do you see the values of the Euribor to 1 week, a month ... a years-date? there is a page where graphics are comparable between different eribor the second term?

The president of the European Central Bank (ECB), Jean-Claude Trichet, today ruled out a lowering of interest rates to counter slowing growth in the euro caused by financial turmoil persists because the upside risks to price stability and because containment of inflation is the ECB's main task as required by the Treaty.

Trichet made these statements in an appearance before the committee on Economic Affairs of the European Parliament in response to a parliamentary question from the PP's Jose Manuel Garcia-Margallo. Interrogated him about the possibility of a lowering of rates "taking into account that probably the functioning of markets (financial) is now as or more important than price stability."

"Interest rates depend on the need to ensure price stability over the medium term," he replied categorically the ECB president, and discard any lowering of rates from 4% today.

He underlined the continued upside risks to inflation caused by "possible further increases in oil prices and the agricultural and increases in regulated prices and indirect taxes higher than expected so far." Moreover, warned of the negative effects it could have unexpected wage increases.

"The ECB's Governing Council is ready to counter upside risks to price stability, in line with its mandate," said Trichet. He insisted that the bank "will closely follow all developments" and "act in a firm and timely manner" to "ensure that second-round effects and risks to price stability over the medium term do not materialize."

"In times of volatility in financial markets and increasing uncertainty is even more important to anchor inflation expectations in line with price stability," the president of the ECB.

He indicated that the economic fundamentals of the euro "remain solid" as evidenced by growth of 0.7% during the third quarter, although he admitted that the activity has moderated over the last three months of the year.

He stressed that there are still "a high level of uncertainty" as a result of financial turmoil and that there were "risks to the bottom" for growth in coming months.

Trichet appeared before the Parliament a day after the ECB to undertake an injection of liquidity from 348,607 million euros, a record number, between 390 financial institutions at a rate of 4.21% to reduce tensions in financial markets. In this regard, he stressed that the actions of the Bank "have contributed to a better resilience of the European financial system without, of course, eliminate the causes of tensions, which arose out of the money market."

Soft landing in housing

Trichet also referred during his appearance at the state's real estate market in the euro zone, but did not mention any specific country. Destacó que, de acuerdo con los últimos datos disponibles, se está produciendo un “enfriamiento en la evolución de la vivienda en la eurozona tras un periodo prolongado de tasas excepcionalmente altas de crecimiento en muchos países”.

Añadió que el BCE prevé un “aterrizaje suave” del sector porque los incrementos de precios se están moderando gradualmente y la vivienda empieza a evolucionar de acuerdo con los fundamentos económicos. Destacó que la tasa anual de préstamos a hogares se situó en octubre en el 6,8% bajando desde el 7% en el tercer trimestre y el 7,5% en el segundo trimestre.

“En este sentido, no hay ninguna indicación de que las turbulencias financieras hayan limitado todavía los préstamos a los hogares, cuya moderación empezó ya en el segundo trimestre de 2006″, concluyó.

Buenos días.
Hace una semana compré un Duplex de 70m² útiles en el centro de Zaragoza, a 2 minutos del Pilar. Tras negociar conseguí un precio de 28 millones y medio de pesetas. Está en buen estado, cocina amueblada, 2 baños, 2 habitaciones, chimenea… Con tantos dimes y diretes no sé si hice buena compra. Unos dicen que genial, otros que tenía que esperar a la famosa burbuja. ¿Qué opináis de mi compra? Un saludo

Para #32, Johnny:
Dile a tus suegros que esperen un par de años o tres que bajaran los alquileres,jejejejej

Pues si, me equivoque yo pensaba que repuntaria…en fin, y con lo de las hipotecas subprime quizá tengais razon en que existen aqui, pero yo veo que todo el mundo que participa dice que tiene sueldo, etc…quizá aqui la casquemos con otros tipos de prestamos como con las financieras o demas, el tiempo lo dira…mejor ya no voy a divagar sobre la existencia de las hipotecas subprime en España,

Saludos!

Por aqui (Belgica) tambien se habla mucho de la inflaccion que vamos a tener el anno que viene 2008 (se estima en un 3%). Dicen que no se va a poder compensar con una subida de salarios ya que la competitividad disminuiria. Asi que parece que el anno que viene en Belgica vamos a ser mas pobres.
Saludos

Yo de hecho estoy esperando a que baje el precio del cordero para celebrar estas navidades… si si me han dicho que me espere 1 o 2 años que bajará seguro ! jajajaja

Eso son tonterias, lo que tienes que hacer es comprar acorde a tus posibilidades, comparar bien y punto. si no puedes comprar cordero compras conejo pero comer tienes que comer. Y si no puedes permitirte comprar una casa siempre puedes alquilar.

Para Fonta:
Cuando una persona habla con seriedad, lo correcto es contestarle con seriedad. Si quieres participar en un foro humorístico la red es muy amplia.