The meaning of life

The sale of homes in the U.S. fell 26.4% in 2007

http://www.elpais.com/articulo/economia/venta/viviendas/EE/UU/cayo/264/2007/elpepueco/20080129elpepieco_1/Tes

I emphasize:
The level of sales of houses in 2007 is the lowest in 12 years.
The average price of homes sold in December ($ 267,300) is 11.4% lower than the same month of 2006. It's the largest drop in 37 years.

Luckily, here in Spain there has been no bubble or mortgage trash! We could have fallen over!
-------
The unease among builders about the risks of break in the public work

http://www.expansion.com/edicion/exp/empresas/construccion/es/desarrollo/1083487.html

The main industry associations (CNC, Anci, and Aerco
SEOP) shuffled the possibility of launching a manifesto before
from March 9 to warn the political parties and
Administrations of the risks to the economy if there is
an abrupt halt in the sector.

I'm the only one who gets sick to see these undesirable crawl?
Soon will make camping and demonstrations such as those of the
decent housing! Now get this blackmail of the risks to
the economy, of course ... the pyramid tochomocho
was healthy for the economy ... and for their pockets!

misleading Euribor
burn dem allll !!!!!

pd often agree with you 100% Indigena, especially with the comment # 228, Indigena, yesterday!! TONTO! MORE What a fool!

I repeat. Today, 4301

We're going to take us well today ... or what method a scissor cute!

Today bajadita sensual ...?

If you have a low Pelin more.

My bet today is to 4.301

Xaoooooooo!

# 1, you are not mortgaged fyahball not?

Carlos, without remorse of conscience. degüello and without a prisoner.

I think it's possible a serious dialogue without these constants disqualifications.

Oh, and if anybody asks why, if the Euribor low ... ... .., not all have the economic culture that some people in this forum, and not all of us in it a long time, pdoemos be people who put it happened Euribor in google and quit this page, and we have no pope economy. A little respect, please.

A greeting.

I'm new, but what q predecís Euribor for February? Q Do you think you can download other two tenths in January?

CLópez very good, what's Kingda Ka

Greetings

# 8, Tali I think that ended in February to 4.25 a necessary consequence of lower rates is put TRANCHETES as you, but this is only an opinion, I do not think anyone has that can predict or next week.

Incidentally, I remember the thread to discuss politics:
http://www.euribor.com.es/2008/01/01/elecciones-2008/
I have not heard of the 400 €

to see if a bit low, I with an average of 4.35 for March-April, I settle, but everything that is below mean lower share.
My bet for today 4.307

! Madrugador What I am today if there are hardly any comments on the forum, because from that this forum has been chaos, when you realize and go for 300 comments, and of course, anyone reads 300 comments a day.
Well it seems that by the time people believed a bajadita of the Euribor to 4301, so I also give this value (for if the banks make an average of the values that come here, because I assume that as much to reach 4324).
Well, since when we have 354 comments again, especially to watch the news bubbles, which would start without wasting them like crazy.

Well, I think that this compelled to lower rates Trichet, if not, because the Euribor rises when he says that does not drop rates, but a day siguienrte the rise, starts to drop, the logic, the entire financial system are expected to fall Here in the middle of this year, even in discussions that are not economists agree on this if you have clear, Trichet, when you see a minimal gesture of moderate inflation, the cut starts, is imminent, besides, I do not think beyond endurance U.S. tiempo.Y much for the next month, I guess that will remain in the Euribor 4.3 and below.

Let's see!

I am one of many who read the forum a long time because certain speeches he used to go to learn a bit about this microcosm that is the economy.

And it is interesting that the interventions are now overshadowed by people that do not add any value, and that disqualifies you simply have other economic interests.

Carlos Lopez seems to me that you have a forum pm (apart Perto technical problems that can happen to anyone) but I assure you that if this continues, many people like me who likes all that is going to learn from banks, stockbrokers ... Was eventually fed up.

I find it incredible that you piquéis each other personally, I find it amazing. It is normal that he has wants to raise savings rates, and that it is mortgaged wants them to download. In the first there to teach them that if rates go up, a lot of families will suffer, and second that the Euribor is cyclical and that if something goes up today, because tomorrow will fall (or within 3 years but for a mortgage, 30 or 40 years, gives me the same thing that gives me the same thing). And that should be able to talk normal ... But to pull insult ... What if the misspellings ... What if you burn all dem ... Please some respect! And everyone thinks what they want or what creates better for him and his family!

And after this CHAPON incredible that I have released (I hope this will serve as something) ... Bajadita sesuar!

... Good morning, my forecast for 4310 today ... I hope to Trichet was realized that arde and Rome and did not keep playing with fire, so if you want to do the baton in February .... I said Euribor rates at 3.75 and the 4200 ..., note that today the average for the month is already lower than in July ... and to me that I review in March with the average low in January and I share ... I can Cañita take any more ... to see if this is not rebounding consumption is sinking ... A C.lpez I suggest making a comment parallels with the case of the alleged euthanasia of Leganes .. in the end it seems that only palliative care .... I would Campos and the doctor who Lamela? ...

Oh and I forgot to participate in the club! Well, I'm going there: 4.331

ay disbelief, you hear who you have to hear that as well so I'm going to laugh at the doom of the forum will be little ....
So much ruin, so much crisis and so many bad thoughts for the mortgage ... enough is enough!

9murdok #
is not mortgaged.
that's why you want to pull the Euribor, to see if we can not pay the mortgage, we are seized with him and stay flat or, or house, it's flat and
more ugly / to a refrigerator behind by

To # 1, fyahball:
I agree with the comment on the news that bundles of expansion.

Well, I see no reason to get off the Euribor, the stock market is rising and the knife has no hurry to lower rates, so it is going to go up a bit, until 4346, then anger rising gradually up to 4.5 for the week next.

bajadita softer today, a 4.31

: ^ o
Today Euribor 4309

I have never participated in the club, but I think today the Euribor will rise a little.
My prognosis 4.352

Good morning, everyone, but for me they are not at all.

You tell my story, I guess that for someone more impartial, can give me some helpful advice.

We have a mortgage of 141,000 euros and a credit line worth 70,000 euros. We want to reunify everything and we had to resort to ING to request an increase in capital with novation amounting to 220,000 euros. Our net salaries, prorated pay, reaching 3.500 million with a possibility of one or two extra and tax returns. My husband is indefinite since 2002 and I have a contract for 5 years working as a personal body of the State General Administration. A house similar to ours but in front of the portal was recently sold for 280,000 euros. After collecting all the documentation we requested the entity now tell us that it is not viable operation by negative external report. We do not understand anything and does not tell us anything. Just say we missed your parameters. We do not reach the 35% ratio of debt and the salaries are not bad. Our record is clean of defaults. Did you become someone something similar? Any bank that with these data we approve the operation? We do not have much time since late March to meet the credit line and by then we'd like to rescind. We can extend it, but it is expensive and we do not like.

Thank you very much beforehand.

Greetings,

I think that the situation of the Euribor will be more or less maintenance, climb a little, down a bit ... so now I think we walk by ... 4345 (small increase) ....

But that happy when they give the average of January ....

Cosmic keg! From that came the planet!

Totally agree with you.

Scissors to bad!

You can disagree without losing elegance.
You can be incisive without insulting.

Enjoy!

Not if Rome burns, the only time it smells like burnt and is a fumarole. Knife will cut only when the flames have destroyed some neighborhood and was not able to contain the flames to save the city. After it will be too late for the old Rome, but come the new Rome, where he did not commit the errors of the past until our memory has forgotten the old Rome final.

Hello everyone:

I think that after all the headlines in recent days, this is an imminent drop in rates. When I say imminent I mean before the end of the winter. With this fall we should stop worrying about what goes up or down the Euribor day to day and look at a forecast two months view. The mine is that the ECB will lower to a Cuartito point of the end of February, and another Cuartito before the summer.
With that forecast a fall of 3.78 for June Euribor.
If you are fulfilled my prediction would be a good idea to try now to close any deposit to six-month one year to 5%

For them hugs, kisses for them

One question to all Forero:
A house with a garage and storage room. If I buy the house and the storage room and no garage for example. I suppose that the valuation obviously will be the floor and the storeroom. But the question is as follows
If in a couple of years, for example, I want to buy the garage (which I had rented with option to purchase) can ask for a mortgage, the same bank that I have the floor with Mimas characters on the garage?
I do a valuation as with the floor?
Thanks in advance

# 24 disgusted
The ING promise much and are the best products ofecen therefore are more restrictive when granting loans. According to data provided by the operation is feasible in 80% of the remaining banks, which then recalled to refinance your house should tasarse at least € 264,000 for the 80% of the valuation you have to mitigate all costs, is a operation feasible test in other banks and even asked for an extension on your mortgage bank. SalU2

Disgusted:
The ING is a little Perret, I had to finish giving me long to tell me all the same thing as you. My mortgage is 260,000 to 40 tacos, and thank you gave me the kick that got to do with Bankinter Euribor +0.18 instead of 0.33 of ING.

What I was screwed up the time it made me miss giving me long to tell q is not viable.

They are Perret, who thought they were more serious but any doubt as to miss you after ...

# 28 Carlos,

As the Euribor June is 3.78, I go into balls into the street screaming Euribor I love you! EURIBOR WHAT YOU ARE ALL TO ME!

I gave that although the bag is maintained and even upload a pelín today or tomorrow, is the general perception of crisis and will continue to fall on the Euribor = may be kept or climbing a bit today but will go down

# 20 Juan, the Euribor rise or fall does not have a direct relationship with the bag. Another thing is that fear that has between banks by the issue of barring them from Societe lend more cheaply, but then to look like changing the bag and deduced that the Euribor will do the same ...

I believe that if the Fed lower rates 50 basis points at its meeting tomorrow, perhaps forcing a knife to do the same, but not to relieve the mortgaged Spanish who has purchased something expensive expensive with a salary of mileurista, but in order not to harm European exports more than it hurts and change the current euro-dollar, to save all those jobs, to slow the inevitable relocation of multinational companies and despite acknowledging that this may involve out of inflation. He thinks that inflation is high because knife to get to 3.1 in Europe, not because it is from 4.1 in Spain. It's as if you live in Soria and you are concerned that inflation in the province of Soria is 5%. When Solbes left to talk about the problem of inflation but not talk to Soria in Spain. Well, the same knife.

We have already commented that the problem a thousand times what is paid in shares of the mortgage is not the Euribor, but the amount requested from the banks. So, instead I pray that lower the Euribor, which can happen in a timely manner but not on a permanent, would seek ways to amortize, and although in absolute terms is not the best thing to amortize share, it is in terms of the vent personal economy. The less you have to less to the bank affects the fluctuation of the Euribor.

To # 24

I try to make a general raid by the banks, not arrive at 35% but by bit, so I guess that it will grant you one.

In addition, 35% is not the same salary in 3500 than in a 1000. rule for banks is rather strange, which are governed only by percentage and do not have the total revenue to fall to one.

Have luck

http://www.altereconomia.org/web/index.php?option=com_content&task=view&id=203

To # 29, Font.

You have to take into account that if the garage is not buying now with the house, then you paid in lieu of a 7% VAT at 16%. Anyway, as I do not know if it's safe, ask.

Carlos, I'm with you except in the second climb, unless things get really ugly. The descent into March-April, by that preserve the independence of the ECB (in addition to being good must be seen). Nor do I believe that runaway inflation is to be a lot these months, taking into account the IBEX and downs of the housing situation. The M3 also commented as this had grown significantly less than expected.

Today, 4.331. For the February 7, maintaining the 4% that is gerund.

After that Rome was a few centuries ardiese is in decline, the Empire was divided, Rome and Constantinople fell and marked the advent of the Middle Ages, deep and dark ... The New Rome, now called New York .... Is the rule of neocapitalismo Hard shell ... perhaps nocaiga the capital of the empire without being burned before the entire periphery ..., the barbarians arrive, or the poor, who must be fed ... in waves to invade the Empire and there will be a new socio-economic ... Time will not destroy the planet before ... the bad thing is that while we see if whether or not if this or what if, while we look at the thousandths of Euribor, to watch the EDF or the ECB ... there are millions of victims crowds ...
To continue, as we know, the show ... .... Should continue.

I bet by subidita: 4.351. I insist on my theory of the relationship between stock market developments and the Euribor.

Greetings

To # 36, Invitada81:
Thank you, wait some more defense of the forum and ask what in any case. Had not fallen into what the tax. Thanks again.

q knows someone happens to the page of bs markets, which has not been updated since Friday? we will have to wait at 12 to exit at hipotecasyeuribor. com, or else there?

I said to marujeo economically, this at least is more cultural than that of the famous and footballers. there goes my prediction:

The day Feb. 7, the ECB rate will be adjusted to 3.75, and the Euribor be around at about 4.30 which is a value that we have now. I think the Euribor going to be very stable on that to a 4.30 months. Will be at the end of June when inflation is controlled, then the Euribor will drop below 4%.

Please correct me, that economy of the truth is that I have no idea P, but sometimes happens with the football pools, which are rightly the brewers. A greeting.

JavierML, I do not think Bernanke down half a point, but at most one quarter. It seems, as I read that the sudden drop of 0.75 was generated by the collapse of stock markets, which in turn was caused by the fraud of the French. But the problem seems to be that Bernanke is not informed him of what SG until three days later, so its action was performed on the basis of something that was not really happening ... as demonstrated by the relative recovery that there were days later.

MEETING 29/01/2008 11:01

Middle type
Euribor Week 4.135
1 Month Euribor 4.189
Euribor 2 Months 4.305
3 Month Euribor 4.383
6 Month Euribor 4.395
Euribor 12 Months 4.36

28/01/2008 Eonia 4.018

# 24 disgusted,

I think that because you have taken the trouble to collect the documentation that you have asked the least we can do is at least explain what is this external cause.

And return the documents, so you can also apply at another bank. Each has its criteria, and although they are usually very similar, as the bank next door to you what it is without any problem, although I suppose that depends on external negative.

Well, I finally decided to write I have a little doubt, I reviewed the mortgage in April. What is the Euribor reference? I got boxed madrid to Euribor +0.50, which is already a pasadda but it was more economico.Firme in April last year. and the biannual revision is started paying € 1000 and now pay 1074, I think that what will happen? Incidentally vote today Euribor: 4.359

Hello everyone .-

Message for Kokito. Thank you for the work and save the explanations (which, moreover, would be received as farragosas.)

Otherwise, Kokito. The other day I left you the information you asked me and I've not responded. Is that ... So long, pal.

Well, I hope it has become clear (and settle) the issue of audits. WILLY NOT SPEAK FOR YOU SPEAK.

# 136, mario
28 January 2008, at 14:16.

Willy, I do not know anything about Luter King nor of what I speak.

I only know that the accounts of banks must be audited and signed by an external auditor.

And you've said a Paridae with the "confessional" and the auditing of accounts and you can not refute. It's something you've dropped because you can imagine, or whatever without having any idea of what you speak.
# 147, kokito
28 January 2008, at 15:15.

Goog night, vietnam

Well, today we are going to audits.

According to the Institute of Internal Auditors, Internal Audit is an independent, objective assurance and consulting designed to add value and improve an organization's operations. It helps an organization to accomplish its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of risk management, control and governance. "

According to the UNE-EN-ISO 8402, the audit is a methodical review to be conducted to determine whether the activities and results relating to the quality comply with the provisions previously established, and if these provisions are implemented in an effective and that are adequate to achieve the objectives. "

Ie: the main objective of the audit is to improve the organization. With a use and with an appropriate enforcement, auditing becomes an essential tool to learn the strengths, weaknesses, mistakes, irregulariades, diversions, successes, effectiveness, efficiency, economy, law and improvement of systems for the company.

Internal audit activities are carried out in various legal and cultural environments, within companies with different goals, size, organization and structure. In planning an audit is essential that the Auditor (the computer department or auditor) to be as objective and independent as possible of the department or area to be audited (may be from within or outside the organization).

Audits can cover the entire enterprise as a whole or only certain sectors of activity, a process, service or product. Therefore, we find 3 types of audits:

Audit System
Audit Process
Audit Product or Service
There are also other types of Audit depending on who requested the audit and the auditor who he is.

The Audit Certification asks the company to an independent and recognized. Aims at evaluating the organization with the intent to frame their activities within the framework of a given model and validate its conformity with the requirements of a specified standard (eg ISO 9000) and to receive the certificate from your system of quality.

Self:

We can make an audit of our own company through a Self, and then analyze the results, check what our strengths and weaknesses, and if necessary, to commission an audit to a third deeper.

See you later

# 148, kokito
28 January 2008, at 15:22.

Good night, vietnam.

TYPES OF AUDIT.

Tax audit.
Auditing of accounts (financial statements)
Internal audit.
External audit.
Operational audit.
Administrative audit.

TYPES OF AUDIT.

Financial Audit: Consists of an exploratory review and critique of the underlying controls and accounting records of a business conducted by a public accountant, whose conclusion is an opinion about the correctness of the financial statements of the company.
Auditoria interna: Proviene de la auditoria financiera y consiste en: una actividad de evaluación que se desarrolla en forma independiente dentro de una organización, a fin de revisar la contabilidad, las finanzas y otras operaciones como base de un servicio protector y constructivo para la administración. En un instrumento de control que funciona por medio de la medicion y evaluación de la eficiencia de otras clases de control, tales como: procedimientos; contabilidad y demas registros; informes financieros; normas de ejecución etc.
Auditoria de operaciones: Se define como una técnica para evaluar sistemáticamente de una funcion o una unidad con referencia a normas de la empresa, utilizando personal no especializado en el area de estudio, con el objeto de asegurar a la administración, que sus objetivos se cumplan, y determinar que condiciones pueden mejorarse. A continuación se dan algunos ejemplos de la autoridad de operaciones:
* Evaluación del cumplimiento de políticas y procedimientos.

* Revisión de practicas de compras.

Auditoria administrativa:Es un examen detallado de la administración de un organismo social realizado por un profesional de la administración con el fin de evaluar la eficiencia de sus resultados, sus metas fijadas con base en la organización, sus recursos humanos, financieros, materiales, sus metodos y controles, y su forma de operar.
Auditoria fiscal: Consiste en verificar el correcto y oportuno pago de los diferentes impuestos y obligaciones fiscales de los contribuyentes desde el punto de vista fisico ( SHCP ), direcciones o tesorerias de hacienda estatales o tesorerias municipales.
Auditoria de resultados de programas: Esta auditoria la eficacia y congruencia alcanzadas en el logro de los objetivos y las metas establecidas, en relacion con el avance del ejercicio presupuestal.
Auditoria de legalidad: Este tipo de auditoria tiene como finalidad revisar si la dependencia o entidad, en el desarrollo de sus actividades, ha observado el cumplimiento de disposiciones legales que sean aplicables ( leyes, reglamentos, decretos, circulares, etc )
Auditoria integral: Es un examen que proporciona una evaluación objetiva y constructiva acerca del grado en que los recursos humanos, financieros y materiales son manejados con debidas economias, eficacia y eficiencia.

Auditoria integral.
Auditoria gubernamental

Bueno y se acabó,
Hasta luego, Gran Euribor

Carlos, nos tienes en un sinvivir, por la salud del servidor y por los comentarios de los demás que no podemos leer.

Tienes razón, en torno a las 11 y pico todos los días. No vaya a ser que a esa hora justamente lancen un proceso de backup, o el antivirus, o cualquier cosilla parecida … que a veces, sorpresas te da la vida, ¡Ay! Dios …

Juer, la página a petado a las horas de siempre….

Menos mal que ya funciona…