Happiness

Today we celebrate the free newspaper "Metro" World Day of Happiness a bid to be optimistic, at least once a year. In the article we can see a ranking according to which Spain stands at 26 since happiness. The big question is, What should I do or what to have to be happy. You hit a piece of an interview with a psychologist.

Is it important to have a partner to achieve happiness? Money? What about sex?
According to my research, people who have a relationship is happier than those who remain unmarried. We are programmed to live animals in pairs. The money is only important in poor countries. In affluent nations represents only a small difference. Regarding gender, it is very important for happiness. We all have a great instinct and experience sexual pleasure leaves us great satisfaction. In addition, the works as a lubricant for sex marriages.

Fortunately, money is only one ingredient in the recipe for happiness and do well to grasp because they have not chosen neither a good day or a good year to create this day, after the week so they're having black markets, just to see the Spanish stock exchange, which carries 7 consecutive sessions closing in red.

However, if we continue with the increased optimism we can invest in the bonds of mortality: a bet against pandemics and wars.

Wagering for the good health of a population, or against a pandemic or suffering a war can be a source of happiness ... economically. Insurance companies sell for some years called the bonds of mortality, which in 2007 offered a profit three times higher than those issued by companies.

That things are investments for all.

If there are some guys optimistic by definition, are the stock analysts who see 2008 as a year of increases.

Teletubbies One more year, major stakes in investment firms turn to be destined for the equity. The effects of the credit crisis, rises in oil, the weak dollar and expected economic brake in Western economies threaten to increase the latent uncertainties in financial markets. But analysts repeated, with little more cautious, their forecasts increases of close to 10% for the bags, including Spanish. The picture painted by experts for 2008 points to possible corrections in the oil and the euro, a slight recovery in the public debt, as potential attractions in metals prices and agricultural products.

No doubt the analysts live in a parallel world in which Trichet is a Teletubbies and Bernanke is Pocoyo.

But as Friday and should not bitter, it is best that we look at Bush who came to the rescue of the economy and proposes a fiscal plan to avoid recession. Vale we do not like him the Texan, but if you can do something for the economy, we will appreciate and here we talk about aid of 100,000 dollars.

Summing look couple that gives more money and that happiness is easier to find.

Update:

The banks tightened credit conditions for companies and individuals in the fourth quarter
(..) The report shows an increase of restrictions in standards for loans to individuals for purchase of housing, from 12% in the third quarter, up 21% over the last three months of 2007.

In addition, the credit terms for consumer credit and other loans to households also experienced a tightening from -3% in the third quarter, up 10% in the fourth quarter, compared with the relief experienced in the requirements of this type of products in the previous quarter.

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Written by Carlos Lopez on Jan. 18, 2008 with 367 points.



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367 reviews

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# 1, Kane

January 18, 2008, at 9:10.

Go cloth with analysts. The truth is that bringing the contrary comes to the same thing to make me an analysis different from yours, but I see that we are very difficult that this year the Spanish stock market rise 10% this year.

For today at a Euribor 4.444

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# 2, Student

January 18, 2008, at 9:10.

to see what happens today ... I like the prime cole

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# 3, xenon

January 18, 2008, at 9:10.

Good morning, everyone.

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# 4, Salva

January 18, 2008, at 9:12.

Well, I think it is more difficult to find a partner with whom you have a stable relationship who have money.
To have money with a little intelligence, courage and a lot of Pelin is achieved. Now you have a partner who is faithful, you have let your leisure time, that goal will not be with your investments in stock market, which coincides with you in the education of children, you have a good mother-in-law, which does not snore, etc etc That is more difficult.

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# 5, aléalé

January 18, 2008, at 9:13.

Good morning, everyone / as
If not for my partner, that I can pay the mortgage
today signed a 4.40
DOING GOD !!!!!!!
Remission, ENCULATOR UP !!!!!!!!

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# 6, abel

January 18, 2008, at 9:14.

"Money is important only in poor countries" ... this is silly ... .. my girlfriend and I replaced a month without a throw dust and in return we lower the Euribor a couple of points ... and if we are already really fellices or not. . you have to be stupid, and that is an expert analyst .... but I miss saying expert analyst with money

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# 7, Student

January 18, 2008, at 9:21.

the theory that the money does not give happiness is explained in
http://es.wikipedia.org/wiki/Pir mide_de_Maslow
more or less has been said that the man needed money to cover the necessities of life, the rest of happiness is given by covering the most basic instincts of man, for example many people would be happier earning much less money and with more free time
PS: The link goes wrong for the accent, copy the entire line
a greeting

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# 8, Tits fat

January 18, 2008, at 9:22.

To see if this has happened to someone ...

I want to sell the garage floor for sale (June delivery) in order not to go so tight, and do not know if it should do so sooner or later write.

If I do it in theory before I can put the name of the buyer the garage floor and my name, my savings in paper and pulp such, but then what should I do with 24,000 eurazos in black?

If I do it after writing everything is legal but I fell in 2000 euros roles vat etc ...

In order like this is not the question at that point. Thanks.

Certainly if the Euribor rates are going down and in theory the banks should lower their offers of fixed rates, no?

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# 9, size

January 18, 2008, at 9:23.

Case for Práctico Wise:
I have two mortgages, the first came from a subrogation and is 170,000 euros. The second is tiny, 20,000 euros. When you make repayments, I sugerís What? What is more profitable? ¿First removing the small and then big? Go to pay small and large in recouping? Give me ideas and thanks in advance.

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# 10, Student

January 18, 2008, at 9:27.

# 9, size
we will see 2 things
Things to consider:
- You deduct mortgage: that will never pay more than the tax relief
- Differential: having depreciates the highest differential
- Repaid in which you do not have, or lower, the share write-down
a greeting

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# 11, rented

January 18, 2008, at 9:31.

Santander fight in mortgages to take advantage of the crisis

http://www.publico.es/dinero/038332/santander/pelea/hipotec/sacar/partido/crisis

His intention with this bet is expected to attract customers from other entities that have a mortgage of more than six years old, that is, good, the quality, which are no longer stifled by the initial payments of your loan

More than 6 years old, for the Santander mortgages of less than 6 years are risky Why 6 years? Could it be that the flats of less than 6 years were overstated?

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# 12, Kane

January 18, 2008, at 9:31.

Because they are two mortgages at once, it is more advisable that you remove money from the few who have a higher interest, I guess we will not be equal. Where are the same, you save more interest in having more time, I guess that will be the big one.

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# 13, Bhaal

January 18, 2008, at 9:33.

Good morning!

My last day in private enterprise ...

I understand what you mean analyst, at least that's what I think ... that money is not important in the first world is a fallacy, of course. What that indicates is that the gap between rich and poor are not as high, and that this difference between having a TV or a bigger car and bigger than that, in essence, does not produce a substantial increase in happiness (to be around ), In contrast to poorer countries to live in a shack or able to live in an apartment there is much difference, which is bad for the floor. Where we do we? Because of the variations of 0.01 Euribor produce an enormous happiness and not satisfy my theory ... at least to the first world.

On the other hand have regular partner is more difficult than it appears, and although there many cases different is the norm that sex does not work very well, lack of domestic freedoms, shame and trauma for various reasons, etc ...

Happiness is by no means easy to find and even more difficult is to recognize when it is, but my opinion, my beliefs make me think that can not be based on anything material because everything material is perishable and so too will be happy Without ambition, without cravings and the meditation for me is possible to reach a state that can be called happiness. Anyway I recognize that this where a good polvete ... and loving arms, that the money is gone ... and meditation.

Greetings and good day!
burn them all.

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# 14, abel

January 18, 2008, at 9:33.

hello, I would like to know the money that it would be up to me if I make the declaration got into a new floor at the end of 2007 to pay the reserve (2,000 euros), 16,000 euros to the signing of the sales contract and the first letter (802 , 50 euros), if I join something clear ... .. thank you very much!!

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# 15, CRISTINA

January 18, 2008, at 9:34.

Good morning,

now get back the champagne that today is my bet
Euribor 4.39.

The money and happiness is linked, but it's so hard to find a good partner like having money.

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# 16, Student

January 18, 2008, at 9:37.

# 11, rented
very good article, that people have the mortgage "not very high," has a very significant part Damped (in the tiny case of default is recovering the investment), anyone with more than 6 years of mortgage client is a "subprime" for Banking me every day is more like insurance, "to reward the good mortgaged up to a 50% discount for the best mortgage, or cases like that of i-Banesto Banesto and that their products are much better if you're a customer i-Banesto that if you are Banesto, as it saves the "middlemen"
a greeting

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# 17, sabina

January 18, 2008, at 9:41.

When the 65 cobras a pension plan which is the retention practices that you finances?

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# 18, Student

January 18, 2008, at 9:43.

# 17, sabina
1 believe that 40% free and the rest is in addition to the tax base (as if dienero won that year)
2nd money contributed to the plan in the past 3 years can not be receivable coup, is charged in a pension with a maximum monthly
a greeting

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# 19, Impressed

January 18, 2008, at 9:44.

Good morning, today Euribor 4.43%
Greetings to all.

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# 20, minieurista

January 18, 2008, at 9:44.

# 9, size

I would use a simulator to excel mortgage each month and would soon pay equity and respect of each of interests. And soon after the fall in interest each as amortized, considering that 1 euro per month in 20 years is more than 3 in 5 years, for example. I hope I just think that come very much factors (some have already said):

- Committee on partial repayments
- Life (years) who are left to mortgages
- Interest of each
- If you deduct and how much you can spend without limit
- Inflation (it's better to save a euro today, that 5 within 20 years)
- Your ability to pay to see if amortized or time share

Sorry for the brick and happy this day of happiness, that irony.

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# 21 Charles zgz

January 18, 2008, at 9:48.

Good morning, the topic of couples today, my situation:
I bought a flat for 23 years myself, with a salary not very high, I missed a girlfriend and we got married and ended up paying the flat for years, was a small mortgage, well, now by health needs, we have had to switch to a flat with lift, the change has brought us to reverse what they have given us the old floor and a mortgage of 20 MM. of the old pesetas, so my opinion is that if it gives the couple happiness, because of course with my salary right now could not pay the installment and eat at the same time.
Anyway, I still enjoying the refrain of "bread with the penalties, penalties are less."
Good morning everyone.

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# 22, Student

January 18, 2008, at 9:49.

today as you can see I'm almost hyperactive, as it is my last day in the company, although I am officially until next Friday, next week I'm away, my day is to be giving the F5 (refresh page) to This page, the brand, and another ace
a greeting,
Student

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# 23, jdx

January 18, 2008, at 9:50.

on the topic of today clopez, could be added.
The money does not give happiness, but if the peace ... or
the money does not give happiness, but it helps ....
imagine living in your current position, without any economic concern ... that you climb the hiccups, you peel, you go milk bread ... you peel, gasoline, the same thing, taxes ... .. the wafer would not?
Today we could uncork a "blanc from blancs, brut nature clear ...

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# 24, Barans

January 18, 2008, at 9:56.

To see this waiver giving cane!
Going to end the week and we throw it ... 4379!
Jeje

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# 25, Alexander

January 18, 2008, at 9:57.

Happiness is to have satisfied the needs, so the secret to achieving happiness is very simple, just do not want anything.

The problem is that in general tend to want to have something more than the neighbor. And that's why the happiness does not give money because the money that is moving to a better neighborhood in which they always have somewhere richest neighbor.

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# 26, Indigena

January 18, 2008, at 9:58.

For big boobs

The garage is the best investments I've done in my life, along with the laser printer. Sounds like coña but I swear it's true.
And I assure you that I have had 2 floors, 4 or 5 cars, 6 computers (not all at once)

If those already drowned, bad start, but the garage NOT sell it, if you do not reach the pasta alquilalo and that's it, also depends on where they reside, is my opinion, what is priceless and in the ad, is to arrive after Curro a long day and begin to suffer with the shit car, in the end want to upload home, and now when I come I see people hanging around me say this: blessed garage.

Enga for them to ... the Euribor, which is already on the ropes,
yes, your floor is much better than that of the sister-in-law, is going to stop beating.

PD publishers to tell jdx in post 23 that it is true what you comment, by the way I have a bottle of Moet for this Christmas, waiting for the next debacle.

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# 27, MadRAM

January 18, 2008, at 9:58.

# 14, abel
"Hello, I would like to know the money that it would be up to me if I make the declaration got into a new floor at the end of 2007 to pay the reserve (2,000 euros), 16,000 euros to the signing of the sales contract and the first letter ( 802.50 euros), if I join something clear ... .. thank you very much !!!!"

Because I believe that 15% of € 9000 (actually 9015 or so are), bone, about 1350 max.

# 9, size
So without more data I think it would be more convenient to amortize the fat. If housing is normal and you deduct, pay no more than a year of maximum € 9000, the rest of the money they can recoup for the small. And so until you can cancel small.

Greetings to all.

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# 28, minieurista

January 18, 2008, at 9:58.

A friend of mine said that the money was not happiness, but with the money they bought, period. It is clear that not everything is bought with money. But for me the most important thing is that the lack of money makes happiness. I do not want a big fortune with 1000 euros a month and to be more quiet (not both, are € 500 more for each one, and my wonderful partner and I leave for mileuristas), 90% of our problems are economic or could be solved with money, and as I said not much. So in my case is costing me more money to the couple.

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# 29, optimist

January 18, 2008, at 9:59.

All betting for juicy downs, eh? therefore I will not be less, today is the day of optimism and happiness (I hope this will not have to buy gifts as in the rest of special days and is an invention to spend, jeje), the point is that sack my spirit and optimistic prognosis a 4417.

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# 30, Mi007

January 18, 2008, at 9:59.

Good.
Totally agree with saves, is much better and much more difficult to find a good partner to make money. I am the happiest people I've seen in countries considered "poor" and the smile that had not had the (usually) the people of the first world ...
PS: if you also have to mourn I prefer to do it in a ferrari ...

Let's see what makes today our friend Euribor ...
Greetings.

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# 31, MadRAM

January 18, 2008, at 10:04.

We put him in the thread yesterday, but again I put it here.

I said to the club. I'd like to get out but I think today is going to go up to 4459% ... to say the least, go.

Greetings to all.

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# 32, Lithuania

January 18, 2008, at 10:05.

A doubt:

which deduct tax from payment of the mortgage (15%), is the total I've paid during the year (capital + interest) or just capital?

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# 33, Lithuania

January 18, 2008, at 10:05.

by the way, now 4.41 Euribor

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# 34, optimist

January 18, 2008, at 10:06.

I have always presumed to be happy. My happiness gives me the feeling useful. The couple gives me emotional stability, which is not enough, the evil of love is very chungo. Helps to be optimistic that things will go well.

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# 35, elias

January 18, 2008, at 10:06.

good morning

I'm in an existential question.

My desire is to continue down the Euribor (less rising mortgage), but I have the intuition that one day these will give us a distaste on the Euribor and is going to break him bearish trend.

For what I say today that the Euribor rises to 4.5 hala

Let's see if I am wrong.

Be bad.

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# 36, Mold-jojo

January 18, 2008, at 10:09.

I have seen Mr. Pineda AUSBANC president on TV.

He has talked about various topics and issues related to policy that would be for another line of conversation, but he said 2 things about the new law Mortgage I would like to know if they are so damaging to the mortgaged as I've understood:

1) Remove the commission of cancellation but put the cost of desestimiento, bone, which still the same.

2) If another bank offers better conditions (including costs cancellation / desestimiento) and the matches yours, you have to be in it. (Who will offer you a better position to the end you stay where you are).

Thank you.

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# 37, CARLOS

January 18, 2008, at 10:10.

Well, my vote for today is 4404% DQ yesterday Euribor real time was negative in the 23.59hy today or move around, so q noses down today.
Greetings!

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# 38, sabina

January 18, 2008, at 10:11.

Lithuania 32. More capital interest

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# 39, Bhaal

January 18, 2008, at 10:11.

this time I also said to the club, I expect a slight rise 4.49%, to be stabilizing at 0.5% above the rate of the ECB. to see it think. if you are running the uncertainties bank, the Euribor plus calmadito this, the ECB could raise rates Cuartito of a point despite what makes the EDF, since if U.S. goes into recession because they have to follow if we are not in crisis ? and if we tend to a new macroeconomic model without the absolute preponderance USA (repeat here what I said a few days ago ..) USA will continue to be important, but perhaps no longer so much ...?

Greetings!
burn them all

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# 40, mario

January 18, 2008, at 10:12.

I do not know why people recommend not amortize over EUR 9,000 you deduct housing usual. What's wrong with recouping more than 9,000 euros?

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# 41, Javi

January 18, 2008, at 10:15.

Hello Mario, I think you're right, the more amortized over the rising share of capital and less pay to the bank.

I try to give the bride with the ceiling but it is quite clear 18,000 a year.

Greetings

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# 42, CARLOS

January 18, 2008, at 10:16.

Well, I think it is bad q DQ finances then you do not ... Pelas returns. I think ... anyway as I do not have a surplus of hard, I did not come to experience that. Jajajaja.

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# 43, siempreSInuncaNO

January 18, 2008, at 10:17.

Euribor today: 4.38

We must always +

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# 44, Bhaal

January 18, 2008, at 10:18.

# 40 mario,

not that it's bad, what they are saying is that only deduct the first € 9000 which amortization, so what else could you take advantage goals and invest, to draw interest with whatever the next year and return to amortize 9000 € which is the maximum to deduct finances and still have cash. It's the reason it is not bad but amortized over, if you want, and you can so that is mortgage you take away, but you just making clear in return for 15% of the early 9000 that each year amortization. Another thing if you are also a couple, is better than each Deduct € 9000 that one, since it returned to the ranch two on the basis of the 9000 € each, while if you deduct only 18,000 returned to you only € 15 % Of the first € 9000 ... are among the reasons, there are many people who know more than me and that surely explains to you better, even so I hope to be of help!

Greetings!

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# 45, Attila, King of the year

January 18, 2008, at 10:19.

Already we are with the fallacy of the "tax". Those nosecuantos millions of dollars in aid that Bush will, as well as those who came here to buy housing will be in the form of tax rebates.
Who benefits tax cuts? Well, the rich, because if a common cipotecado him down the street from 100 euros in taxes, the rich will lower 1000, and the very rich will lower 4000.
The poor, if analfaburro (which is very common in this country), aplaudirá the tax break because it now reaches more off the end of the month, but only temporarily. Those tax rebates directly involve cuts in public services (if there is less money to pay, hiring fewer things). The rich, who now pay 1000 euros less per month in taxes, leaving him to account, because they can pay a private school, a good health policy, and still spare.
The poor analfaburrillo, 100 EURET those who applauded both the day they were joined to the roster, you have to use them now to pay for services that were once free .... What happens is that these services cost 400 euros per month, previously paid him, the rich and the very rich and shared equitably among all.
Moreover, now that dinerillo over who has the poor, the rich and the very rich have it in mind for subirle the rental or purchase of housing, bread, light, diapers, milk ...

I see pain, a lot of pain ...

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# 46, Lynxai

January 18, 2008, at 10:20.

And if you pay your share of the mortgage normal raisins € 9015 (excluding amortization) and you do not deduct? or is it just for the reductions?

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# 47, borraxeiros

January 18, 2008, at 10:23.

I also said to the club, I think today will be in the 4.42%, and the trend will be downwards, possible lowering rates in February, but the parrot ...

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# 48, aspirin

January 18, 2008, at 10:25.

Speaking of the subject, of course, that money does not give any happiness but it helps a lot ... As for the couple not only what is bought with money is love, but it is clear that a family with a good economic things work much better , would not be the first time they are broken by Marriages shit money, for the loss of a job ... money does not cure everything but it helps a lot, some types of diseases and complexes are arranged only with money, you're bald, because we have treatments for 200 euros a month for the hair, the best dermatologists and microtrasplantes, these fat or have any physical defect, best clinics are at your disposal, you have cancer, AIDS or some other disease, the best doctors to your feet with the most advanced treatments ... if you had t be left over noodles cipotecado and live life with greater happiness ... the only thing that was not bought with money is the love of a person's health because they have money can improve ...

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# 49, imendi

January 18, 2008, at 10:26.

good morning, is the first time I write in the forum, although what I read
on many occasions, but today I have seen that speak of money and
happiness ... well, I think we have a relationship money and happiness,
But what most concerns the happiness, in my humble opinion,
is knowledge of things and attitude towards life.

I always say ... that wisdom will make us free ... and I add ... but
ignorance, will make us happy ...

I chose freedom, ... : (

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# 50, Javi

January 18, 2008, at 10:27.

Lynxai: if you deduct only the first 9000, the 15 other not, but you will not suffer to repay the 1,800 Aurelia, jeje.

Attila: So it would be better if there were no tax incentive? There are those who are poorly organized but from there to hurt the poor (myself included), I can not see it that way.

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