The lottery, health and mortgage

I am still here, and if I am still here is because I was not touched or reinstatement. And as you see things as they are half of Spaniards use the Christmas Gordo to pay their mortgage.

Although lottery, we have to conform to earn more than 18,676 euros per year which is the average salary of Spaniards.

How much his company paid him in 2005? If your salary was less than 18676.92 euros per year, was below the national average. The National Statistics Institute (INE) yesterday presented the Annual Survey of wage structure covering the years 2004 and 2005, produced from the crossing of Social Security data, and the Tax Agency's own INE

Normal with these salaries, we have to say goodbye to "demand bestial" brick-one of the major companies expected a fall of 35% in sales in the sector.

"Until recently, the works were installed at the poster and immediately put to work to build the bulldozer. Now, even in Madrid, where it is most builds, the bulldozer takes months to arrive. It is obvious that the crisis is coming, that everything is starting to stop, although this is not a thing from one day to another, "

So the feast of the brick was suddenly ended. Now what?.

There is scope to manage the crisis. The opportunities are now presented to anyone with liquidity. In other words, those who sold their businesses in time, those who have been prudent and have not been in debt up to the eyebrows and who have assets in equities. In any case, the real estate of all life who have spent several crises, have more room for trust.

Curious to see the bill that has passed the mortgage crisis to certain directors, just look at this ranking.

In the third step of the podium, how could it be otherwise, one of the names that have sounded more like the aftermath of the hurricane that has left in its wake subprime: Stanley O'Neal, CEO of Merril Lynch who preferred to play golf while the entity headed was facing the worst quarterly results in the past 93 years. In those days, O'Neal was concentrated in the sport that came even to make three trips in three different golf courses. His' swing 'he took the post, but his withdrawal was with 161.5 million dollars in his pocket.

As you can see, for the quality of the article and the amount of cortaypega that has been done, the server is on vacation, so to finish with a topic you wish everyone happy holidays :)

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Written by Carlos Lopez on December 24, 2007 with 73 points.



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73 comments

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# 1, 3milio

December 24, 2007, at 10:49.

Good morning, happy holidays to all, now works as well or does the € uribor party?

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# 2, moebius

December 24, 2007, at 10:58.

Good morning on wikipedia there is a link to the price of the Euribor, it usually update on the 11 and 5, have a look

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# 3, moebius

December 24, 2007, at 11:01.

I think that today there will be no entry for Euribor, until the Euribor
Holiday has

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# 4, Notengoniidea

December 24, 2007, at 11:09.

Well ... ... inmbobiliaria the crisis is given by certain things besides the Euribor, the salaries of many miserable sexes and the prudence of banks ....

Another cause of which is not spoken ... and is doing much damage to novice developers and "have not been forrao" ... is that appraisers are conducting appraisals "laughable" to the low valuations ... in wild plan ... so with these valuations, it is almost impossible to get a normal mortgage that not more than 80%.

Much is spoken of the real estate crisis ... but there is something else is happening ... the small plots of land ... just to climb and climb ago ... and not low ... In large areas of land, it is possible that you can download ... but in small plots The land is untouchable ...

The owners (individuals) from the floor ... before falling in many cases do not sell ...

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# 5, 3milio

December 24, 2007, at 11:14.

For if there is.

MEETING 24/12/2007 11:13

Middle type
Euribor Week 4.527
1 Month Euribor 4.459
Euribor 2 Months 4.689
3 Month Euribor 4.765
6 Month Euribor 4.775
12 Month Euribor 4.772

21/12/2007 Eonia 3.882

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# 6, peeled

December 24, 2007, at 11:14.

Notengoniidea

These typical owners, they only have the ground to speculate.
It is very easy thinking of the owners of small plots, just put a price to see if anyone bites, and what happens is that really are not interested in selling.
In the nearby town know many of my cases, which for years have been trying to sell (or rather tried not to sell, or seek an Pring).
It's good to not have debts and be left economically, that these are very much.

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# 7, felfas

December 24, 2007, at 11:25.

I speak with knowledge of the facts, the real fortunate in recent years have been the owners of plots were studying the area and it could build its solar and applied the full benefit of the work on the site, the developer applied as well as its percentage increased housing and pay us to duck

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# 8, Notengoniidea

December 24, 2007, at 11:25.

Another thing I "makes grace" ... is that there are people who think that "the whole mountain is oregano" ... I mean, that all promoters are linings and some sausages are ...

I want punishment contaros here ... as my promoter novel that I am ...

Although not what you can come to believe ... in our Spain, which at urban sites are the other side of Marbella ... peoples of "bad death" that the only thing they do is "put zancarrillas" to people who want to build there ...

Come on ... there are local architects ... I did not even explain ... as still alive ... and to make some "putadas" not what you can get to imagine ... a kind of mobbing to urbanization ... Any company that wants to goodwill ... " earn the bread "...

This case is my own ... I have been waiting for a license to work ... months and months ... in a village of 800 inhabitants ... I had the idea to build 19 apartments in several stages and leave blessed, because I do not know when I will give ... Y what more I fuck is that ... it seems that over the council "is doing me a favor and little less forgiving to me is life" ... The truth is that I am "until the very" because I do not understand why all this ... Took almost a year waiting for a construction license to build some flats in a village of 800 inhabitants ... Well some time that I've changed my mind ... I'm going to sell the land ... and in this town "I'm not going to get a hard or else ... "

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# 9, Notengoniidea

December 24, 2007, at 11:34.

I repeat ... what the appraisers penalty is ...

In some places are doing appraisals for sale ... ... that are lower than the cost of new buildings over the proportionate share of the land ...

On the other hand make appraisals of land ... that gives laughter ... valuations that do not correspond with reality ... ridiculous ... Valuations much much lower than the actual cost of the soil.

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# 10, Melchor

December 24, 2007, at 11:43.

It seems that the Euribor has dropped a bit today, but half of the month remains high.
We will start 2008 with the slope of January and subidon of the Euribor. Often Ostion to the economy of many families.

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# 11, Melchor

December 24, 2007, at 11:49.

and while:

Controlling inflation is the ECB's priority in 2008

http://www.elpais.com/articulo/economia/control/inflacion/sera/prioridad/BCE/2008/elpepueco/20071224elpepueco_1/Tes

indeed, JLMoreno If you saw that pain, much pain.
The destination, apparently is not devoid of a certain irony

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# 12, sopelmar

December 24, 2007, at 12:06.

# 8, peeled Notengoniidea
so is the human race is what farmers are able to give us some kids and we feel envy and worse pa that made bad blood

# 3, moebius
this table are cojonuda Euribor this update on the 11 and if clicking on the Euribor 12 months to get a color graphic that these days it is good to see you "caeen chopped"

http://www.bsmarkets.com/esp/doc/contents/mainEURIBOR.htm

sad very sad to win the lottery, the jackpot, your life will remain the same if you can pay 90% of your roof for you to be little point to pay your bank
good but not happy holidays to all and that the year 2008 be kind to all :-)

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# 13, moebius

December 24, 2007, at 12:07.

It seems that the rate of descent slows down, I am certainly very close to winning the baton of Euribor December, I think I bet the average for December was 4.8

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# 14, tiagial

December 24, 2007, at 12:21.

Notengoniidea

I see you're having problems with city hall. I would say that you leave work is a regular event, no discretion. If the license application is subject to regulatory pressure on you with claims for damages. I am not clear if the silence could be seen as positive, but I look to a lawyer because you can obtain the license for this medium.

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# 15, Solvent

December 24, 2007, at 12:36.

Tb Notengoniidea I had problems with a license works for a window in the bathroom, where other neighbors were of the "estranji."

So if for a paltry little window I imagine your problems to make a block of flats.

Recommendations, make friends with the expert of the council, how? therefore requesting appointment to speak with, peloteándote, making the innocent and silly, and so I got it included in the agenda of the plenary, with the resulting appreciation of the sr.Perito.

A year later, I wanted to undertake a work on my property to increase the meter, something that other neighbors had built illegally because the surface was agotada.Entonces back to empezar.Pedi appointment with the aforementioned sr expert, and I showed my best I am not upset because it would give even we want to do it legally (paying taxes), when others did not.

This gentleman presented my project and obtained a full vote in unprecedented my proposal.

And is that municipalities have an income for thousands of reasons and one of them is the "building permit" which benefited all come out.

Moraleja.

Finishing, a farmer with land near my village with 3 children, gave them work to everyone at least more TONTITA that sent him to study at a college of nuns, and based on the hams father got approval and be submitted to the oppositions and approve ...

And it is that nobody is a bitter sweet ...

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# 16, TAHartl

December 24, 2007, at 12:41.

Hello everybody.

First of all felicitaros and wish you a good rest and enjoy well-deserved.

Since the beginning of the month of December go revolutionized the Euribor, shows more than enough of the economic uncertainty of the moment. Otherwise there have been no allegations that the Euribor had played "roof". Not only will exceed the ceiling, it has to be the basis of the second floor. Hopefully that will change the trend in 2008, everything will depend on France + Germany + inflation. A figure over the global economic crisis is the "alliance of the banks' (ECB FED + + + Bank Bank Canada England + ...):?. Settlement: Euribor INJECTION monetary + climb to correct 2007.

"LINCOS by sheep."

Merry Christmas and Happy New Year.

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# 17, charioteer

December 24, 2007, at 12:41.

Good morning everyone:

Beyond all that I have already said in this forum and anything that might add, that is not much, I wanted to congratulate all the festivities.

HAPPY HOLIDAYS TO ALL!

A greeting to all.

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# 18, ram8

December 24, 2007, at 13:04.

Hello, is there anybody there?

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# 19, Seelah

December 24, 2007, at 13:04.

Happy Holidays!
but the bomb ... what? There or not there? You are putting me in the corbataaaaaaa because the Euribor not just get off ... if the dead, what about the Euribor?
As reflected in the confidence that the bag, the Euribor, Trichet and his cronies ...?

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# 20, Seelah

December 24, 2007, at 13:06.

By the way, you will bring a piece of information: as of yesterday 196 people had downloaded the super tuned Excel chart for calculating mortgages ... will succeed!
Can you put a link? Come vaaaa (what I stew and I like it ... jajaja)
http://www.elatrio.net/prestamosistemafrances.zip

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# 21, JPL

December 24, 2007, at 13:17.

BARS 1 ... .. 0 MADRID WHITE CHRISTMAS

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# 22, Freixenet bubbles

December 24, 2007, at 13:28.

Hello everybody! although it may seem a cliché, I felicitaros all starting with the big shot, D-eighth Clópez je, je, je,. Several months I've been connected to this page almost every day, and you could say that their discovery is the best thing that happened to me this year 2007, if that ..

HAPPY HOLIDAYS TO ALL FORERO!

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# 23, # benjau

December 24, 2007, at 13:33.

Euribor happy holiday and prosperous 2008.

Lack least for 2008 and above for the outcome of the economic abuses of past years. I am not able to predict whether we will reach the critical point of innición of the expected crisis, or whether we will be able to avoid it this time. Now it looks like.

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# 24, condonacion_jeje

December 24, 2007, at 14:10.

Euribor continues to fall which is what matters ... q :-) Happy Holidays and watch the cenorrio jejejeje

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# 25, javiluchi

December 24, 2007, at 14:14.

IF THIS IS NO SINKING NARAP VERN.PERO ONE THING THEY HAVE TO CLEAR THE CRISIS THEY CREATE. YOU think?

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# 26, Melchor

December 24, 2007, at 14:32.

# 24, condonacion_jeje

declining further? je je
to tell them that you review the December Euribor je je.

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# 27, rojelio

December 24, 2007, at 14:41.

Happy Holidays!

and if you can not beat them / convince them to be ale to consume sparingly because that is what we inculcate these days .. osease FIESTAAA!

Does the house through the window?

ay's chiquirritin ..

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# 28, pychu

December 24, 2007, at 14:57.

Does anyone know how it will mean months of the Euribor?

Happy holidays to all

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# 29, condonacion_jeje

December 24, 2007, at 15:25.

Melchor:

pq nose gave q m say something jaja muxaxo to see in your town move from 4788 to 4772 were lower yama no? jajajaja because already it ....

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# 30, Sebas

December 24, 2007, at 15:52.

Good for all;

I'm going to count what has happened to me today;

Today I went to the box with intent to amortize term of my mortgage to take advantage of the maxima desgravacion.Mi idea was to amortize Euro 1000, because the shares I joined Euro 8000, to reach the limit of 9015 euros.
Well, here comes the surprise when the cashier tells me that the law has changed and that now the limit is 12,000 euros and if you're a family nuemerosa or have less than 35 years you deduct 23%! Can anyone confirm this information?

And a second thing, when soleis pay for home insurance?

Greetings and thanks to all

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# 31, condonacion_jeje

December 24, 2007, at 15:54.

No joas had no idea that ... someone confirm what you already mismooo !!!!!

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# 32, The Peel

December 24, 2007, at 16:04.

# 30 Sebas, you seem to bilbao, hell!

Just kidding, I just find it, I guess you're in the Basque country. And it is only related to what I found, often scare me when I read that.
Take advantage that you can.

http://www.diariovasco.com/prensa/20061117/economia/nuevo-irpf-mejorara-deduccion_20061117.html

Greetings

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# 33, condonacion_jeje

December 24, 2007, at 16:08.

and we are with the differences between autonomous communities ... pq can deduct one more q lives in the Basque country q q other is not living ... it seems mu m strong ... we will all agree on the status ...

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# 34, CBS

December 24, 2007, at 16:09.

HAPPY CHRISTMAS TO ALL AND HOPE AND WISH YOU A GOOD NIGHT ... PASEIS forget the crises of the Euribor and his .... and go home if the mother-in-law gonorrearla to what you can jajajajaja

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# 35, Sebas

December 24, 2007, at 16:24.

Indeed Peel, you've given the nail on the head, I am from Bilbao and also the same school! Thanks for the link and confirmation.
Health

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# 36, explained

December 24, 2007, at 16:52.

Happy that? ...

For me, Christmas is every day ...

If we talk about stopping inflation already know what the "Relative Truth" about this .... Upload rates at some point.

The dollar may continue in some low-goal (that maybe this explained at Pump well) then desiciones the joint between the FED and the ECB to separate a bit, especially to squeeze a bit more to europeitos, including those in Worst credit terms are guessing who they are ???????

Would have to have thought that if they had grown tomatoes, which increased the floors, people would have realized that it was not good, but of course, as everyone thought it was going to make money, nobody is worried jejejjejeje .... will have been a pyramid scheme ????? mmmmmmmm ....

But be happy for yourselves and not because something or someone they were imposed and celebrate every day, nobody can prohibit, for now ...

Greetings

PS: The pump is in the hands of Almighty Clopez so reclamenle him.

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# 37, tiagial

December 24, 2007, at 17:04.

Sebas exploits. And by the way, do you have partners? (I mean in the mortgage) because the limit is 12,000 for each, rather than dwelling as it was before. That is, between two you can deduct a maximum of € 5520.

Grab everything you can because, although at the moment does not question the deduction for housing, are becoming older voices are heard against this assistance. Specifically to the United Left which is in the Basque government.

Bearing in mind that all politicians are pointing to tax cuts, I depart very little future for this deduction, which on many occasions, has supported the cost of flats.

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# 38, I do not understand?

December 24, 2007, at 18:07.

I do not understand because the Euribor to a week is 4527 if the rates of the ECB within
one week will not be 4.527. Someone can explain it to me!
Surely the Euribor within a year of 4772 will be no. That always
This so above the rate of interest?

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# 39, Canyago

December 24, 2007, at 18:29.

Hello everybody.

# 33, condonacion_jeje
The Temita of the Statute, is already very burnt friend, I'm from and I do not apply cataluña not the same as the Basques, it is his government that decides where the money is spent or things to deduct money from their fellow citizens who have to pay, we give you do not care if the Basque government collects less to the Basques, in anything you influences you.
PD. You can always put billboards, as did the PP in Castilla Leon, with a photo of Carod Rovira, with the slogan "Ganareis but not convinced" if this is not manipulation of the masses, you tell me that is.
Greetings to all.

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# 40, fernando

December 24, 2007, at 18:46.

It seems that the waiver (if the news is true) it takes the other side of the Atlantic When is a similar program in Spain?
http://www.larazon.es/8733/noticia/Econom a / Los_grandes_bancos_de_EE_UU_cancelan_el_fondo_de_rescate_% ABsubprime% BB_de_Bush

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# 41, kokito

December 24, 2007, at 19:37.

Good night, Vietnam.

Explained, you burn the entrails (je, je, je), as you do not drop it will give a duodenal ulcer (je, je, je).
Pyramid scheme, ummmmmmmm, interesting.

Ponzi Scheme

A Ponzi scheme is an investment that promised high returns without a real business behind that is supportive, but are drawn from the submissions made by Beyond "investors". Thus, in order to give such high returns, the new "investors" are those that pay interest of the old investors. The system continues to operate while the flow of new "investors" continues to increase, at the time that the flow diminishes investors can not pay the interest on the initial, or, of course, nor returning the money invested by these or by the following , And the scheme is falling.

This system is similar to sales in pyramid or pyramid, but it is concealing the amount of subsequent additions which provides a direct benefit to the early investors. The system of pyramid sales are banned by Spanish law.

Some multilevel marketing businesses operate in a similar way, although the exchange takes place directly between investors: the new revenues to provide profits that have joined earlier, but the more people participate in the multilevel business, sales and profits are lower, and many cases non-existent.

Thymus is a relatively common in countries of recent capitalism, or at sites with an economic culture is not too high. Spain's most famous case was that of the real estate SOFIC, although in recent cases of Afinsa and Forum Philatelic uncovered in early May 2006 appear to be "Ponzi schemes" taken to the limit.

In Chile in July 2006 found a "pyramid scam" call the media Swindle of the goat's-milk cheese, involving over 5000 people and peoples as full Coltauco. The company was called "FERMEX Chile" whose owners would be Victor Mella and Fernando Jara, who sold for $ 250,000 Chilean pesos an envelope containing material for fermentation of milk, which would result cheeses special whitening the skin that would be sent to Europe. Also involved is a French citizen known as "Madame Gil". The same French citizen would have Estate 2004 to citizens of Peru, with swindling of the so-called "honguitos cosmetic."

Retrieved from "http://es.wikipedia.org/wiki/Usuario_Discusi% C3% B3N: Yexenia"

As is the club's Bilderger and experience.

Well goes on to explain, since you've started.
What is wrong with having secret (je, je, je).
Dollar low for that?.

See you later

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# 42, kokito

December 24, 2007, at 20:04.

Good night, Vietnam.

Good article on business pyramid.
Damn if this applies to the mortgage system, is the BOMB.

Bit from the article:

The result of all these kinds of schemes is always the same, the "live" that is recorded first, who knows many "innocent hook" (and sometimes not-so-innocent), which promotes good, and so on. Such a "living" is the one that makes money, and all the rest do not ever get down 1 to continue its chain or its parent or whatever and they lose money. In addition, the systems are insostenlibles pyramid, imagine an array of 6, got:

1 (new)
6
36
216
1296
7776
46,656
279,936
1679616
10077696

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# 43, explained

December 24, 2007, at 20:19.

In reality more than a pyramid, you should correct me and say it was a "poster" ... no? A Great poster, with many other cartelillos ... mmmm
or not? jejejejeje

The question is applicable to all magic ... why?

Why increased the price of housing?

Why? free market? or a poster favored by the "Free Market"?

Greetings and happy happiness ...

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# 44, explained

December 24, 2007, at 20:25.

Kokito ... if you wanted to change the dollar for other currencies stronger .... might do with the dollar? ... mmmmm

I would try to devalue in order to insert the other "new" money which actually has a value that should be the dollar ....

Mmmmm not you think something logical?

Greetings

PS 1 = (ties) the Argentinian language?

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# 45, kokito

December 24, 2007, at 20:28.

Go was not glued well

The result of all these kinds of schemes is always the same, the "live" that is recorded first, who knows many "innocent hook" (and sometimes not-so-innocent), which promotes good, and so on. Such a "living" is the one that makes money, and all the rest do not ever get down 1 to continue its chain or its parent or whatever and they lose money. In addition, the systems are insostenlibles pyramid, imagine an array of 6, got:

1 (new)
6
36
216
1296
7776
46,656
279,936
1679616
10077696

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# 46, kokito

December 24, 2007, at 20:31.

Good night, Vietnam.

Yes, darling, Argentinia language. (Je, je, je)

http://inteligenciafinanciera.blogspot.com/2007/02/sistemas-piramidales.html

It's not that sticks to the article, it looks okay.

See you later

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# 47, Enculator

December 24, 2007, at 20:58.

Merry Christmas! Euribor Happy Year 2008!

So much in a long time I'm going to travel to spend a few thousand! Ciaooo FAMILIAAAA!!

ALSO HAPPY YEAR !!!!!!!!

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# 48, explained

December 24, 2007, at 21:18.

Kokito And that's what you think dolar?

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# 49, Carlos23

December 24, 2007, at 23:02.

Happy day to all families.

Clopezo explained released as a Christmas gift please!

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# 50, Sebas

December 24, 2007, at 23:35.

Tiagial not, the house is only my propiedad.El issue of deducting up to 12,000 this very well that you have always money esta.Yo clear for the amortization was with the idea to write off 1000 for reaching the 9015, but add additional 3000 euros I think a little excessive to me situacion.Prefiero save, so it might happen in the future and not take the desgravacion.Es my point of view, llamalo conservative if you want.
Health.

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