You're all about sausages.

That's right, and I fear I will have to take action against it. I try every morning to write an article and you, unclean people, you dedicais to copy it, modify it and put it in your mobile to read it and discuss it with your friends without citing a source and cruelly ignoring my work. Therefore, I propose that each mobile phone, whether or not your load with a revolutionary tax to compensate for my loss. I do not care if the mobile usais only for calls anyway because you are some potential criminals.

I have told you that this is basically what we are voting today in the conference, the canon that will make the digital chupóptera SGAE and the company bagging more than 100 million Euros in our pockets. I wonder who robs whom?.

But as this is a page of economy, or at least that aims, we will have to watch how it affects from the macroeconomic point of view such a decision. We had enough with the increases of oil, food and housing so that all of a sudden hike the price of the single product that is constantly offset inflation. So I look at what we look like, this is a bad decision.

Switching back to the mortgage issue and today we'll talk about Ninjas, yes, what leeis and does not deal with these brave Japanese wrestlers, if not the (no income, no job, no assets), which is roughly the subprime subprime, loans for those who are pilladísimos him and money to the mafia. The so-called payday lending, (seen in Cotizalia) the latest fashion of the wild and legal usury on the other side of the pond, where you come to ask for a 15% fortnightly, what amounts to nearly 400% per year, so do not Euribor quejeis you both!.

Continuing with the liquidity crisis is a question that somehow will take advantage of all this because when someone loses it's because someone wins, in Five Days, we try to give some clues in his article entitled The double-edged sword of the liquidity crisis .

Dresdner analysts have, in a report published this week, many investors who work with them convey the impression that assets are highly valued, with high potential returns, which do not invest because they do not have funds, capital to do so. There is no new money in the market that can channel into such assets, nor do they want to sell others that are invested if this would do so with disabilities.

Pity not know what those assets with higher yield potential, it seems that those who are going to get a good slice are emerging countries that take advantage of the crisis and invade the Western financial system.

And finally, a story that can play. It ended up paying with checks Mariscada Christmas meal.

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Written by Carlos Lopez on December 20, 2007 with 200 points.



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200 comments

Read the comments left by other users below, or:

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# 1, Carlos Lopez

December 20, 2007, at 9:47.

By the way ... today I have dinner business, so that tomorrow the article was published a little later and probably with very little meaning ...

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# 2, Enculator

December 20, 2007, at 9:48.

Well the first thing I start well down the Euribor! :)

This article of tomorrow has to be interesting! and certainly much bubble! lol

Good morning!

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# 3, czp

December 20, 2007, at 9:51.

Very wise comment on yours clopez SGAE. In fact, this partnership serves as a purely revenue collection, favoring his friends to name the perpetrators. Never imported them an capsicum has the particular cases of currantes of creation, including myself. Several writers to denounce the SGAE a major producer Catalan cartoon imcumplimiento its systematic payment of copyright and spent the Olympic theme.
In the end, a greeting

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# 4, Moho-jojo

December 20, 2007, at 9:55.

If I read what you say in American pages and is hallucinating:

You lend $ 300 but at the time of dártelos you discounted 45 of interest.
For the 15 days have 2 options: You pay $ 300 (you need) or pay $ 45 to $ 300 should continue ... and so ad infinitum, "all life is a deduda that forces you to pay $ 45 every fortnight, because come to join the 45 who have never left over Loes 300. The HdeP It is very studied.
The thing is in such a way that is in English and Spanish pages to "beg" to people who do not make use of that easy money and I explained what I say, because there are people without culture and caught falling into the trap .

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# 5, Manolo

December 20, 2007, at 9:55.

As in Computer Engineering I must say that I have much to the disgust that takes several years doing SGAE. What has happened to the presumption of innocence?

Anyway, thanks for your blog clopez, I think it is the last glimmer of sanity that is left in this country.

A greeting to all ;)

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# 6, manonegra

December 20, 2007, at 10:00.

Bon dia!

Uy uy uy, look at that as Teddy (SGAE) will be activated for the crawl, so we will be here giving grilled, jejejeje.

Come bajadita Euribor!

Salud2

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# 7, Mold-jojo

December 20, 2007, at 10:00.

Here comes in English, Section 1 is What is Payday Lending?

http://www.responsiblelending.org/issues/payday/briefs/page.jsp?itemID=29557924

Les "hunt" on the day of payment (Pay Day) and thus make them caught.

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# 8, kokito

December 20, 2007, at 10:04.

Good Morning, Vietnam

Leave me a little of the subject today, sorry.

But he also greeted Teddy (je, je, je).
Euribor pa Up Well, as I maintained in the bag long, sometimes win.

# # # # # # ICEMAL, for you and for which you are interested, the report:

U.S., in the State of New Hampshire, East Coast. Current price-to-day 19-12-2007 (warm from the oven).

Do not rely on the current price of the dollar:
1 U.S. Dollar-Euro 0.696.
1 Gallon American-3785 liters (different from the English Gallon).

1 U.S. gallon of regular petrol-3.05 USD.
then:
3.785 liters of petrol-2.123 Euros
or is 1litro = 0.56 Euros

1 Liter of Olive Oil (the cheapest) = 4 Dollars Usd
then:
1 Liter of Olive Oil = 2.78 Euros.
But attention a year ago, the same bottle by calling 1 Dollar or Euro 0696, but now have increased taxes, if this is a rise, and not from here.
Here comes a liter by 2.4 euros per liter.

A Nurse charged (calculated on the minimum) 25 USD per hour, or 17.4 euros per hour.
Then:
17.4 x 40 hours per week x 4 weeks x 14 months (including two paid) = 38,970 Euros per year.
In Catalonia, a charge nurse (my wife is) 25,000 Euros annually.

The current interest for the purchase of a home varies depending on the person requesting it, but it moves between 6% and 8%. Today banks need to have in your 10% of the cost of housing.

The price of a standard three-bedroom house is 200,000 USD (there are not governed by literally square meters, sold rooms). In other words, the price of a CASA is 139,200 Euros.

There exists no Social Security as we understand it here.
A medical insurance is very expensive if you have to be recruited individually.
For a family of 4 people, with one worker, the insurance can salirles by 250 USD per month, or 174 euros per month.
But if the insurance is done by individual can leave $ 1,000 per month or more, or 696 Euros per month at least.

A car brand Toyota Camry model (I have no idea what that is) without extras is 18.00 USD, or 12,528 Euros.

Well, this is all for now. I suppose that over the years, I will have more and perhaps other sites.
If someone has a question can send to the USA.

See you later

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# 9, Carlos Lopez

December 20, 2007, at 10:06.

Very interesting link Moho-jojo, hopefully not get that here. And it is assumed that America is the land of opportunity ...

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# 10, oscar

December 20, 2007, at 10:09.

Today bajadita give uribor to 4.76 bajadon entirely to end the year at 4.65 that we mean to stay on for approximately 4.75 earlier this year to start prigresivamente down by mid-March or so to be on the low 3.6 or something else that we ami Under this eimporte scheduled for upcoming dates like that next year is my turn lowers the mortgage payment jajajaja

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# 11, Anonymous

December 20, 2007, at 10:12.

Enculator that activity forera!

writing from early morning until 2 am

http://www.euribor.com.es/2007/12/19/como-funcionan-las-cosas/ # comment-39961

Do not you get tired? you bored a lot, no?

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# 12, Student

December 20, 2007, at 10:18.

To buy discs to Portugal!
In my previous company (he had about 10,000 employees in Madrid), called boxes of CDs and DVDs every 2 months, came a truck registered in Portugal and several pallets with goods free of dust, straw and Canon ...
For me it raised the charge is wrong, because nowadays, the disc format is an uncomfortable because I do not play mp3, more convenient format.
The only way that would be the right way would be to sell downloads as do yankis through iTunes (a part of being a good player for music store) that by buying $ 1 a song and then there are packs, 10 songs 8 $, an entire disc to $ 10, etc etc, but work to the disc is a delay, because the disc itself is a backlog, so that if I want to put a disc in my mp3 200 € that I have also descargármelo? Only me and I run it or save it as

As the meal ticket is a subject already a little outdated, which is a putada but it is just because the ticket is a help for having to eat away from home and I see more or less fair that people who do not what it used to have to pay ... what I see is that they should provide that money as salary to the employee without social security contributions, and everyone happy, you use the ticket, then take it without a hard look finances and you want want to use it for something else, it will not remain without them, but you pay to finance ...
a greeting,
Student

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# 13, micro_kelvin

December 20, 2007, at 10:18.

Well by the SGAE! and Good for our dear government that wants to support their occurrences!

I hope that if someday I have investigated by the mule down at full capacity, I can not complain because I have already recorded the computer I use to download music, video recorder that I had to buy to replace the old, I bought the DVD and ipod until I use to listen to music (helmets are Gift)

Why are not more concerned that the bars and discos that actually earn money by putting this music (which generally do not buy) pay a fee? Ah! That business of the catering sector were defeated on me!

And if I buy CD's original (I still buy low and to me more like me ... I am a romantic) Why do I have to pay the fee ipod where I record I bought that CD to listen to going to work?

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# 14, Ein

December 20, 2007, at 10:21.

Clopez, I confess, I'm hooked to this forum ... to get to work first thing I do is just read the comments of yesterday evening! (and not ever raise productivity). So, first, put together by such a jungle CONGRATULATIONS!

The second thing: my unconditional support Enculator. Definitely, but "I see pain," I have read the burbujiles since time immemorial and continue to commit the same error: NOT END OF THEM BELIEVE IT OR YOUR COMMENTS. The reality in this Republic (hidden) Banana is we like billet, but not everyone can buy .... And if the Euribor rises, and your house is not to speculate, because a pay period.

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# 15, Murdok

December 20, 2007, at 10:24.

Clopez very good comparison.

I like infomático (System Administrator) and as they got the biggest user of the Ascos sgae, not even to know that Teddy Ramoncín whether to clear this, as it would not hear the king of fried chicken, incidentally, recorded with canon ????, because the toilet paper is the only place where I can think you can write the lyrics of a song by calling it somehow these ....

For me not to buy even a single disc since he left the canon (this is what you get, I do not think pay 2 times) on the other side does not have to pay royalties to buy online without charge and other countries, this is what you get ...

And to continue the mood, everyone who reads this post should pay me the rights and who do not read too just in case.

By the way, you know whether to spend time in jail in case you in the future to any given for violating any law.

And speaking of what they expect us to go down the Euribor to let the monthly average day 31 in 4.77 or so and I hope pq every time I say what I think is going to happen quite the opposite happens.

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# 16, Murdok

December 20, 2007, at 10:28.

I have a student such checks of food and not to use this if not for dinner by ahi, pq live nearby and I will eat at home, but in the end the cost of diesel fuel Dobre so I go through the same thing that if the checks were for gasoline

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# 17, Jasper

December 20, 2007, at 10:29.

Good morning everyone

I have long read the articles and comments on this page to find what happened to search for information on the Euribor and now I'm hooked.

I will contaros my story:

The theme is that since September been looking to buy an apartment with my girlfriend. I am among those who believe that renting is throwing money in the trash and buy is to invest or save ...

The issue is that we have already found a couple of houses that we filled the eye. We live and work in A Coruna both. Do not come to the economic welfare of Solbes between the two because we won on 1700 € more incentives from it (is trading). I know it is not much and can be quite risky to buy into our conditions, but we are determined to move forward. Besides the flat that we are determined to buy is (from my point of view of course) pretty well priced (€ 115,000). The floor is 5 years old, 2 bedrooms, living room, kitchen and bathroom. Everything as new. Fully furnished. Equipped kitchen. Garage and storage room. It is small anyway (55 m2) and is not in the city of everything but on the periphery (You get to the center in 20 minutes on foot, by car ... 5)

The problem comes when we go to the bank to apply for a mortgage. In Caixa Galicia offer us a good mortgage, and since the first monento tell us that we will not have any problem ... +0.45 Eu, opening 0%, 0% depreciation, 0.5% cancellation. The thing is that we need 100% + costs (about € 127,000). The valuation "came out" pretty bad (€ 130,000) and began painless. We started to apply for a mortgage insurance, guarantors, paperwork (working life, plus payroll, contracts, rent ...) and started to give us long. To say that did not depend on them and that we would call. We have been waiting since October ...

A couple of weeks ago I tired of waiting and went to all the boxes I found ... (Caja Madrid, CajaAstur, Spain Fund, Kutxa, Caixanova. ...) And what I encountered was with much worse conditions. Eu +0.65, opening 0.5%, 0.5% Depreciation, 0.5% Cancellation. Of course all told me that was the best that was being offered and that it would not have a problem ...

The question is, How is it possible that in two months to offer me a pass Eu +0.45 a +0.65 Eu, "Is it the mini drop that occurred in October and November," Could it be that all will think we are subnormal?

In short, you no longer know what to do, whether to buy or not buy, if you continue with this charade or stop looking and looking for a rental flats but goes against my principles. I fail to be desperate, but if it takes me many hours of sleep this whole platform.

What do you think?

Thank you very much and forgiveness for the tostón. ;-)

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# 18, mrq3

December 20, 2007, at 10:32.

because as I said in there earlier, I 2 times a year since it went up the price of dvds, I pulled the purchase price in portugal and almost Free shipping ..
will do the same thing from now on with the rest of products taxed when you need to buy them ..

Euribor below the 4.8 today

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# 19, Murdok

December 20, 2007, at 10:34.

Jasper I think (though I'm from London and logically do not know the area) you should try to find something new, cheaper, I do not think 115,000 per 55m2 is a bargain, although we try to make people believe that if, here in Madrid that price would be insurmountable but if you say that this also in the periphery and others thought that pays more to ask 1 million less than the difference in a bank normalito to another normalito, a greeting and good luck.

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# 20, K50

December 20, 2007, at 10:37.

# JASPE
Credit insurance is a 2.08 for the final amount of the loan and it does not give you 100% as a maximum 97% of the valuation. Rent if your idea is to buy in the near future is to throw money, it's best to try to negotiate the price with the seller if you could download it or do numbers and try to make a personal loan to try to complement all the spending, taking into account that the amount of personal and mortgage never exceeds 40% of your income. BUENOS DIAS

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# 21, Murdok

December 20, 2007, at 10:41.

Returning to the theme of the SGAE, and the government is trying to convince us that if we are pirating our work ....
because I think I started my company Pirates, cleaner bag to 1000 per month if I was not going to hack, and on the other side tells us that someone who "works" 1 week and 50 kg bag or but we are stealing, you should go to a plumber's house and tell Ramoncín fix the tank are 4500 € and also have to pay every time you shit, and another 100 € if you disclose my method of repairing tanks are you going to pay me another charge more.

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# 22, Pepita

December 20, 2007, at 10:42.

And these checks of food can not be spent in a supermarket? (I know, and maybe someone can clarify it to me). Of course, no alcohol and snuff. But could stop buying essential goods in grocery stores and do not necessarily use them in a restaurant that is more expensive.
Greetings
PS: this is not by imagination, in another European Union country that I know about the case.

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# 23, Attila, King of the year

December 20, 2007, at 10:43.

Murdock said that ... do not think pay twice ... and do not pay the fee or not the disc ... What we think is not paying once!
For me, rather than pay the fees or not, so I fuck is that the music on the internet and then burn on my mobile hard disk or not copyrighted, or already expired long ago, or author they sell so little that they will not do either of such a harsh charge.
If I was coming down all day disks Bisbal, Juanes, Alejandro Sanz and ... I do not mind paying a few cents. But beyond that "pute" to other authors, these products are pseudoculturales those receiving the "compensation".
That they also buy original disks if they are at reasonable prices (not 15 and 20 euros as many).

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# 24, K50

December 20, 2007, at 10:44.

Forecasts for 4793 Euribor

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# 25, Font

December 20, 2007, at 10:46.

To # 17, Jasper:
You say that "left quite badly valuation", as I have said on other occasions not to go wrong, but "that the party is over." No longer rated as before. The banks have tightened the bolts to the appraisers to conform to the full reality.
As for what you said K50, a mortgage of 127,000 euros you comment you need with a spread of 0.33 rather than the comment that you are very close and 40% of your income. My advice is that it sets a Opava by the owner rather than what they requested and luck.

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# 26, Murdok

December 20, 2007, at 10:49.

Attila wearing any reason, as I try to steal them making me pay 2 times any non-payment (although it always falls a little something you can not avoid buying here), on the other side for example when there was the soccer pc bought it all 2000pts years, which is not going to pay an unfair price (fifa 45 €) that I XD so low as to computer games or programs comopro to believe that a fair price like I'm going to the cinema when I think the movie is worth it.

To pip Spain checks only apply to bars and restaurants unfortunately pq is right and should be left to buy food.

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# 27, Bhaal

December 20, 2007, at 10:50.

Here we go,

The fee is a good idea to carry out another method of usury, the anti burbujiles say no, it is necessary that they are going to earn much more, of course, that is, several speculators, the reality is that the model has changed business, blockbuster video clubs and many have suffered so small, but it's a reality the world is moving and only the moneylenders and speculators who just want their own benefit want to keep old model of law de seigneur. The best idea is actually charged for the work of the author directly buy music without support! Eliminate middlemen but we must move forward to better economic models. Without commenting on the fact that it violates the fundamental right of innocence.
Looking for similarities in appearance macroeconomic something similar happens, central banks try to keep this ajado economic system to keep the existing power groups, giving balls of oxygen in the form of liquidity to the system and still maintain the current status, a system modern feudal, in which we are vassals of the banks and politicians. In the end this money comes from the mortgages, taxes and usury varies exerted on the people. (I have been revolutionary ... or at least a little)

Greetings to all!

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# 28, Carlos Lopez

December 20, 2007, at 10:51.

I admit that I have ever used the restaurant Tickets to take any drink ...

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# 29, Murdok

December 20, 2007, at 10:54.

Well tell me where Carlos Lopez XD ....

My bad I do not think they will drink that has fed you tb.

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# 30, Font

December 20, 2007, at 10:54.

Euribor 4.808

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# 31, size

December 20, 2007, at 10:55.

Are appraisals conducted by the banks? Do you suppose that if a bank's interest grant the mortgage you can call the valuer to tell you that inflate the price? My apartment of 28 million tasaron in 34 but I wonder if they did so well for giving 100% of capital, which is what I needed.

What do you think?

A greeting.

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# 32, Murdok

December 20, 2007, at 10:55.

I say that 4.802

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# 33, defense

December 20, 2007, at 10:57.

JASPE ...

nobody is going to give you a mortgage for more than 80% of the value of the floor, unless you cracks in the differential, and with the effect of subprime through, that's complicated, as well as tallying up the buildings ...

but this situation is not going to get worse as the origin of the credit crisis is the overvaluation of the real estate guaranteeing loans, and until these are not devalue enough to allow its acquisition in a position uns mortgage reasonable: the famous 80% valuation (not inflated) and no more than 35% of disposable income share final and will not be unlocked inmobiliraio market and credit.

therefore patience and rent

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# 34, JavierML

December 20, 2007, at 11:01.

Jasper, like in two months has lowered the price of the floor, I would try to squeeze around. If you fall you can buy. If not, then no.

Pepita, can not be used in supermarket. Just to eat, and what is says is that it is not seen either you go with your partner at the weekend and you the "sleeves" because they are not for that, are to eat while you're at work.

What is amazing is that an instrument created to compensate the employee for having to eat on duty away from home, designing our public finances that we are all in a "Horror, I was beyond revenues by currant, and not Some people sleep quiet! "

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# 35, Mi007

December 20, 2007, at 11:01.

For Carsola.
Forgive me leave the topic of today, but something about antesdeayer comentastes caixa Girona (By the tone assumed that it was not good)
I could tell you referred to is that I got the mortgage + Shortly capital there, and I would not want to take me surprises ...
Thank you.

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# 36, Resignao

December 20, 2007, at 11:02.

Today, the Euribor low-> enculator has written the first jejejeje

Not really. It seems that the year-end accounts of the banks are tight and that the injection of liquid ECB has laid very well. We will see if the index returned 0.5% above the rate set by the ECB.

On the other hand, the dollar is appreciating again, improving exports and what it can do to improve the economy, growth and spending. Can we see an increase in rates in quarter-point in the first quarter of the year?

Then there is what the bag, two days with structure mountain-valley-mountain, the first day of trading under the Home of the IBEX, today on the start. Pure speculation in the short term. At least it seems that something less uncertainty there is, now if it was wet investors rather than on the rear that benefit only collected.

A greeting to all and continue.

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# 37, Student

December 20, 2007, at 11:03.

# 16, Murdok
I do not say that you can not use and you stay at home with waste paper, I say that you do not Deduct, because the compensation is an expense that you do not have, because that's salary ... I say it should be able to put it in salary or ticket, in so far as ticket and pay it ... listed because it does not have to infer something that is not used to that ... there are already many others with whom stick to deduct wages in kind such as medical insurance, childcare ticket, rentals of flats ... Anything you can get as wages in kind, only has to comply with such characteristics as not to exceed one third of your monthly salary ...
a greeting

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# 38, Anonymous

December 20, 2007, at 11:04.

Good morning:

Following appraisals, I tasaron two houses at 383,000 and 178,000 euros two homes in the month of March this year. Tasé the two to buy the first of 291,000 euros and to cancel a mortgage of 64,000 in the second. The valuation was made by the Society Assessor, SA Do you suppose that is passed because it was time for fat? I was a bit lost, because the amount of the mortgage was less than the price of housing more expensive. To this day I do not know the real value of my house. A greeting to all Forero.

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# 39, johnny

December 20, 2007, at 11:05.

Good morning:

Following appraisals, I tasaron two houses at 383,000 and 178,000 euros two homes in the month of March this year. Tasé the two to buy the first of 291,000 euros and to cancel a mortgage of 64,000 in the second. The valuation was made by the Society Assessor, SA Do you suppose that is passed because it was time for fat? I was a bit lost, because the amount of the mortgage was less than the price of housing more expensive. To this day I do not know the real value of my house. A greeting to all Forero.

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# 40, Font

December 20, 2007, at 11:08.

To # 31, size:
I think that currently no, I do not know before.

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# 41 , Murdok

20 de Diciembre de 2007, a las 11:09.

Estoy deacuerdo estudiante, y yo preferiria que me lo metiesen en el sueldo o lo que realmente me vendria bien que me diesen cheques de gasolina, compensacion por tener que trabajar a jornada partida (muevo el coche el doble).

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# 42 , Nuevo

20 de Diciembre de 2007, a las 11:10.

Para #17, JASP

¿Has mirado en la banca por internet? Dan mejores condiciones.

Mira en http://www.oficinadirecta.com .Es el Banco Pastor por internet con lo que si quieres hacer alguna gestión personalmente y no por teléfono en cualquier oficina te atiende y tienen mejores precios que Caixa Galicia

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# 43 , JASP

20 de Diciembre de 2007, a las 11:11.

Muchas gracias a todos por las respuestas.

Decir simplemente que el 40 % de nuestros ingresos (1700 €) es de unos 680 €, aunque con los incentivos de mi novia solemos llegar a esos 2000 € al mes que prefiero no incluir. Para Caixa Galicia si superamos ese 40 % porque lo calcula con el interes fijo que me ofrecieron durante el primer año al 4.95 % (fallo mío por no comentarlo) y teniamos previsto que fuese a 30 años (La cuota quedaba si no recuerdo mal en 675 €).

Para el seguro hipotecario es cierto que nos dan hasta el 97 % pero nos llegaría con el 97 % de la tasación. Y lo que nos cobran de seguro sería un 1,97 % del total del préstamo y se paga de una tacada.

Sobre la tasación sé que ya no se tasa como antes. Ahora tienen que medir bien el no sobrevalorar la vivienda en la tasación, pero según la tasación son 65 m2 construídos (55 m2 útiles) y salía a unos 1750 € / m2 + el garaje y el trastero salian los 130000 y pico. A mi me parece muy poco para un piso que está en perfectas condiciones (tiene 5 años). Por eso digo que salió mal la tasación…

Muchas gracias de nuevo y ya os contaré como sigue el culebrón… ;-)

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# 44 , moebius

20 de Diciembre de 2007, a las 11:12.

Hoy no hay dato de euribor????

4,78 es mi previsión

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# 45 , fonta

20 de Diciembre de 2007, a las 11:12.

Para #39, johnny:
Por referencias y por mi propio piso que vendí en septiembre, me parece que las tasaciones desde este verano son mas “reales” con eso no quiero decir que la tuya por ser antes del verano no lo fuera.
A mi las inmobiliarias y algun perito me decia durante el mes de mayo que se podría tasar perfectamente (el piso que yo vendia) por 180 a 190, pues cuando lo vendi me lo tasaron en agosto por 168.

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# 46 , Sus

20 de Diciembre de 2007, a las 11:13.

SESION 20/12/2007 11:08

Tipo Medio
Euribor Semana 4,018
Euribor 1 Mes 4,523
Euribor 2 Meses 4,729
Euribor 3 Meses 4,79
Euribor 6 Meses 4,792
Euribor 12 Meses 4,791

Eonia 19/12/2007 3,87

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# 47 , Estudiante

20 de Diciembre de 2007, a las 11:14.

JASP
lo normal es que los bancos con mayores problemas de liquidez no presten pasta o si la prestan sea cara, ya que no les interesa pedir más dinero, sino todo lo contrario, buscan ahorradores, ahora veo en la publicidad de los bancos más publicidad para meter en fondos, planes de pensiones, etc… que de hipotecas, será que ahora buscan dinero fresco en lugar de prestar dinero que ya no tienen…
Las hipotecas crecientes ya casi ni existen ya que esos si que tienen riesto subprime, subida de tipos + subida de cuota = moroso
un saludo,
Estudiante

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# 48 , suburbia

20 de Diciembre de 2007, a las 11:15.

Algún dia os contaré mi versión sobre todo ‘esto’.

De momento un saludo para todo ‘el grupo’ y os dejo un enlace genial para adelantarse a los valores actualizados del euribor:

http://www.kauppalehti.fi/4/i/eng/money/rates/euribor.jsp

(Hoy 4.791%)

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# 49 , Resignao

20 de Diciembre de 2007, a las 11:15.

Que no hay dato…? pues una buena bajadita

Enculator, tienes la obligación moral de iniciar los post cada mañana, jajajaja

bajada de 0,027, sigue bajando,

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# 50 , Keynesiano

20 de Diciembre de 2007, a las 11:17.

Como decía un forero más arriba, vayamos a Portugal a por el material sensible como CD’s, DVD’s, grabadoras, … Además de obviar el pago del canon seguro que comparativamente los precios son más interesantes.
En mi caso practico la objección fiscal al cánon en Andorra, no soy Andorrano pero vivo a 3 horas de allí y las bobinas de CD’so DVD’s están realmente baratas, la última de DVD’s me salió a 0,24 la unidad en bobina de 100 uds. Nada que ver con los precios de mi ciudad (hasta más del doble).
Ahora que empieza la temporada de ir a la nieve, todos tenemos algún conocido que irá a Andorra, pues aprovechemos y le encargamos nuestras bobinas, estoy cansado de pagar royalties por grabar fotos y videos de mi hijo en DVD para que los abuelos las puedan ver en la tele !!!
El resto de material tecnológico que también está grabado con Cánon sigue la misma recomendación.
Felices Fiestas !!

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