The alarm

I admit, today I gave it 8 times a button "sounds later." The reason is that yesterday we had a job at the farewell party of 6 people who have to go to the company by restructuring, it is a shame because people are very valid but neither will cost them much to find a new job. The situation is bittersweet for me, firstly, as a worker goes hurts me to be but as a shareholder of the company is assumed that these restructuring should help increase the value of the company. I'm already see "employer" and an employee at a time, that bad roll.

Today undoubtedly missed least have a clock like this:

The charm of such a gimmick is that every time you give to the button of "5 more minutes" connects to your bank online and perform a transfer to an organization that more t hate, for example, the PSOE, the PP and SGAE. Interesting concept that makes me think if we operate more than hatred by love ...

As for the economic news of the day we find the following:

The Spanish banking dodging the international crisis by winning a 30.5% increase
Comes the 'war of mortgages' bank wants to capture the customer outside
"We kill to get a mortgage," he said recently the CEO of Sabadell, Jaime Guardiola, in an interview with elEconomista. "Whenever it fits into the parameters of risks that we have demanded, of course. None of closing taps, "the executive nuanced.
The slowdown is exacerbated at the start of 2008, according to the Bank of Spain

(Unrated)

Loading ...

Written by Carlos Lopez on February 28, 2008 with 152 points.

Pages: [1] 2 3 4 '

152 reviews

Read the comments left by other users below, or:

Leave your comment

Pages: [1] 2 3 4 '

# 1, Kane

February 28, 2008, at 10:27.

It's interesting to wake up. With my girlfriend was going to cover the organization elect.

As for the "steals mortgages" we are seeing. Sure it will soon do as the telephone companies that they call you to ask for a change.

The banks lend to each other information on the mortgage for the rest of the mortgage banks know their customers?

# 2, villegreen

February 28, 2008, at 10:28.

Being the first .. to see if there is luck and today we have a bajadita ... 4379

# 3, cgloria

February 28, 2008, at 10:29.

clópez good morning, is no longer in enculator only one who sleeps! I'm kidding!

-1

# 4, Raul (hipotecadodeporvida)

February 28, 2008, at 10:29.

I also .. I have come to justito Curran jeje ... .. also feast yesterday ... but if you have something .. jeje linked.
I get up .. .. I read the press and see it in every way that my company has won more than 43%, exceeding expectations ... and here are negotiating collective agreements ... and hoping that the Euribor, down to their lowest levels of mortgaged ... Lifetime ... (and saving 50 Eurit me for my next revision) ... people here are going with 51 years .. and happy (but less with 80%) .. 39 .. and I have (mmm still remains for me). .
.. think that today touches bajadita? As said the "Yankee" ... the "TRANCHETES" soon you could not roll ..?
bajadita ... bajadita ... ... bajadita
No more pain .... ... next spring and alters blood

# 5, poleo_menta

February 28, 2008, at 10:30.

for a while many people are accustomed to reading the morning news carlos commented on by economic,

I have certainly not been the only one starting at 9:30 I started to press the F5 on my browser and ... well ... jejeje for an hour, did more things (work, basically), it does not think that I am a " pocafeina "as they say around here,

This new phenomenon could be baptized as "clopezdependencia"

could not sleep with an alarm clock as you comment on the news

+20

# 6, villegreen

February 28, 2008, at 10:30.

kane past you .... I suppose it is not necessary, just look at the records are aware of new mortgages ... and have access to these powerful knight ... everything is a gift of money ....

# 7, Carlos zgz

February 28, 2008, at 10:31.

Good morning.
Well, this is a wake-invention, if sir, could invent something like that and every time we pay on some eurillos the mortgage (if possible and not take commission), imagine that you back 20 cents to the loan, and so centimillos with these small, even some eurillo, sure that in the end we are left increasingly less mortgage.
Hala, I have already gone to pot ... .... : p

# 8, DCD

February 28, 2008, at 10:31.

JAJAJA if mortgages are killed by having amiguetes I have a few Ecuadorians and Senegalese who would be delighted.
HUY! insurance that do not meet its risk parameters.
Gentlemen, do not be fooled into the tap is closed.

# 9, quitos

February 28, 2008, at 10:33.

4378

A couple of days you comment on what the mortgage voracious Caja de Ahorros de Navarra. I got my mortgage in this entity and as're looking to make a novation ask for it. It is only for subrogation. 35 years, the Euribor + 0.20, 75% of the value of valuation. From what I've seen so far I think is the most juicy .... you need to see if it has small print (if safe).
A greeting.

# 10, Indigena

February 28, 2008, at 10:33.

Buenossss diassss.

Carlos It's called solving structural problems, the penalty is to clean up the industry or company, almost always have to go through the dismissal.
It is something that sadly we have to get used, listening figures dismissed, my greatest wishes of luck for them and all those who have to go through this durisimo treated.

As well tell people is prepared and chances of getting a new job, but what about all the personnel of the brick, technically ill-prepared?

# 11, Ano-mum

February 28, 2008, at 10:33.

Spanish banks want to give an image that has everything under control, but the reality is very different. At the Board of Shareholders of Banesto president acknowledged that his estabn fleeing as a Mortgage soul pursued by the devil. Everyone wants to creditworthy customers, what a change! Before any value.

# 12, Kane

February 28, 2008, at 10:36.

Well, if indeed they know the data, they can easily begin to entice them to see that carry several years and have always faithfully paid the mortgage. Besides, if you know if depreciated, you still have little savings or payable, the bids could not be many?

-1

# 13, bender

February 28, 2008, at 10:36.

It was time to improve the conditions of the loans!
Otherwise, there will be crisis but large companies do not stop benefit astronomical

# 14, Ano-mum

February 28, 2008, at 10:37.

Indeed, these were the ones who were going to buy all floors of Spain to 300.000euros, no?
Spain: the embargo round the migrant

http://www2.elcomercio.com/noticiaEC.asp?id_noticia=172645&id_seccion=6

Many compatriots purchased mortgages to believe that their jobs would be stable (which has changed, especially in construction), encouraged by a series of alleged benefits that are now back against him.

+12

# 15, erg

February 28, 2008, at 10:45.

# Raul, and you save 50 € in the next revision? The biannual have?, I also believe that low but I do not think that ... hopefully!

MY question: And how many years you have to wait to change the mortgage bank?

# 16, krollian

February 28, 2008, at 10:48.

Scams and benefits ...

200 senior officials attending the trial of the Basque Economic Agreement
Two hundred senior members of the Basque Country, Castilla y Leon and La Rioja in Luxembourg to attend trial that the Court follows the EU to decide whether the Provincial Council may adopt different taxes to the state.

The benefit of Telefonica rose by 42.9% in 2007
Up to 8906 million euros
The group is marked as a target for this year that its revenue will grow between 6 to 8%

# 17, laia25

February 28, 2008, at 10:51.

good morning,
Wake topic: forraría me is the entity unwanted, since from the time you get to sound the alarm to the fact that I get up, it may take quite 40 minutes, and all that, parandolo five. The truth is that those 40 minutes, not rest too, as the Incordiar Notes each of the five, but .... and what to gustito being ....

Commenting also a call that I received yesterday's Banco Santander (before the mortgage was) that my husband responded:
B-Good afternoon Mr., You know that you can dispose of 10,000 € for the realization of their projects?
MY HUSBAND-How? From where I am?
B-Le name of Banco Santander to offer a credit of up to 10,000 €!
M-No, I'm not interested, we do not need.
B-But .... you do not have projects?
M-Yes, yes, I have many projects but right now I do not want a credit.
Well, the conversation continued, because the man was super heavy, until he had to get a bad answer. The offer (shit), a personal loan of up to 10,000 € to 10% APR, to 8 years.

# 18, Kane

February 28, 2008, at 10:52.

# 15, erg

My Euribor with a 4.35% February will be as close to me regarding the August low of 4.66%. The mortgage is going to lose me 47 euros. And not only that, but now pays for 13 euros more each month, so you might say that "savings" 60 euros more per month.

# 19, poor enculator

February 28, 2008, at 11:03.

As always in the nail, clopez. Of course we are operating more by hatred than by love. Hatred is a thousand times, and has the quality that is passed from generation to generation.
How many have sworn eternal love, and then disappeared ...
with hatred not true, the eternal hatred is indestructible. Never wanes, never down, always grows and is revalued. If we could buy shares of hatred we would be rich. But we can not. These actions are monopolized by men behind the curtain (zeitgeist) and deal with it as it chooses.
I think I'm going to give me 5 minutilla more ...

+15

# 20, pedrin

February 28, 2008, at 11:03.

This is true? Http://enquarentena.blogspot.com/2008/02/cuidado-con-la-declaracin-de-renta-2007.html

-1

# 21, Indigena

February 28, 2008, at 11:05.

Laia, now people with healthy economies and without signs of sluggishness are fundamental objective of the banks.
The times are changing, at least the banks now recognize the good customers, bird in hand is worth more to "squid with tupé."

Let's see if the same is true in mobile telephony, now offers only give to those who are full day of company jumped in the company, mariposeando from side to side, which took years with the same number mistreat us, we do not update prices of the calls, do not enjoy the same offerings that a newly arrived after a lot of years in the company
When co-not learn to distinguish between serious and regular customers and customers in high-risk and volatile?

+21

# 22, Concerned

February 28, 2008, at 11:06.

clopez, nor do you need to buy an alarm clock like that. I have severe hearing loss in both ears and I use an alarm clock that features a vibrating disc that put it under your pillow (two pieces are independent and communicate wirelessly)

At the set time "sounds", beginning to shake the disk (it is very annoying). Only you can stop by pressing a button on the alarm clock ... which you can put enough distance from the bed to have to get up to stop it

In addition to deaf people like me, is going very well for the experts of "five more minutes", in which more than one occasion fall asleep ...

Already that the comment is off-topic, but anything above that giving money to banks, SGAE, vampires and the like

+27

# 23, Breogan

February 28, 2008, at 11:06.

Good morning,

I'm not very up to date on the issue of subrogation, but I'm going to count the state of my mortgage to see if I could be worth involved.

The mortgage granted me in May of last year, 4.25 conditions first year and the rest Euribor + 0.50. I asked for 120,000 € to 25 years.
When the mortgage a year will make a capital of € 110,000 live because I'm going to amortize. Total, with € 110,000 of capital alive, 24 years and Euribor + 0.50. I am worth making a subrogation?.

# 24, disappointed

February 28, 2008, at 11:08.

Hello, I'm managing financial commissioning of the processing of mortgage, and they warn that it is not all that glitters gold, only in cases where economic conditions bought by a mortgage face in recent years or in the case where taking a portion of the loan repaid and wanting to reunite with others who have acquired to be better off a month, leaving them really look at other possibilities punishment. Because what the bank is trying to sell us the idea that we share will come cheaper, that make it, based on stretch-year mortgage with what they earn more interest and we are indebted more years. If you really have war, they would offer me a mortgage with the same amount that remains for me to pay, in the same years that I have at the moment and without paying any expense processing, notary records and the share was actually cheaper because There is not a bank that offers it, so I stay where I am.

+17

# 25, sirialuna

February 28, 2008, at 11:10.

Well, I'm a year ago that another mortgage, my mortgage purchased with the law of supply and demand of almost all banks and sentaita.
just visited a bank, with the offer that I made and the work superfax sent me this offer for the improvement to another, and so on until I am no longer the most improved. Bearing in mind that when it was already done fucking mortgages, 0.50 without conditions or clasúsulas of any kind, so if you give 6 millonesy means of entry, saving a 4 year old little help from the folks and the expenditure in-laws, and being investigated because clear I was suspicious that we had saved both, but if four anita gentlemen with an investment fund because it saves everyone, and if you do not have nearly cost more. because with a floor of 37 million Stenger a mortgage of 34 to 40 years .... but good with the two studies and a couple of years being mileuristas because we have already ceased to be, the key is not to charge more but how to manage it you have.

is the illusion of savings instead of opting for the credits to 12 months or 24 months to buy anything.

that to the kings give you money for birthdays ect then save it apart from your salary. in a short time we have for a plasma TV and an xbox or play or whatever we want.

that you can not go and live, as a anita saving more at the home of the popes we have heard for all mubles and with the interests of the investment fund euromillions to play each month.

there are no paw new car, can suno that second-hand well and this is already paid, and if there is no insurance for your name because anombre your domiciliao father to your account.

you know that you come in March payments, life insurance, home, ect contribution as an account that let you make a transfer each month and March reach when you do not have to put either a hard drive.

so if you follow free privandote d euna zenith, the cinema every weekend, gifts. ect ...

This is done knowing that the payments have all year, and saving a little to know that you have at that time and you can rest easy to let your pagosse what puedasporque pay.

foresee and save them to your prioridades.pero without a little sacrifice is not achieved.

apuntaros wing to fashion!!

+41

# 26, CARLOS

February 28, 2008, at 11:13.

MEETING 28/02/2008 11:04

Middle type
Euribor Week 4.115
1 Month Euribor 4.2
Euribor 2 Months 4.29
3 Month Euribor 4.387
6 Month Euribor 4.389
Euribor 12 Months 4.39

27/02/2008 Eonia 4.006

He stays like yesterday, but the average rises to 4347

# 27, Paku

February 28, 2008, at 11:16.

Today everything is recycled: paper, glass, plastic, batteries, ... When an element of these is used, a company is responsible for returning it to production process through a small recycling process.

If we are aware of doing so with bottles, boxes and packaging, why nobody has been raised to do with people? If companies are required to recycle their waste, why are dismissed as an employee shaking hands and a small compensation?

Enterprises should establish a fund, whether financed by public bodies, which were earmarked to hire a relocation company to handle the "return" of those dismissed the productive process. The company reorganized should be fired for corresponsabilizarse reasons for the redeployment of their example, once they have been "used", as it does with the waste used in its processes.

Clopez, this is not addressed to you, but is simply a critical reflection on those situations in which many people see (or can be) on the street after having given everything to your company for many years, and he does not know where to start looking. Something should be done about it.

Hala, throw down the gauntlet to the gentlemen candidates.

Greetings!

# 28, Emilio

February 28, 2008, at 11:20.

# SIRIALUNA
That crack! It's what I do ... except for the furniture ... that I had paid the bank .. jajaja
It's the only way to survive. What are the unforeseen bad fat, you unbalance in any given moment

# 29, laia25

February 28, 2008, at 11:22.

# 25, sirialuna

So do we, bit by bit, and then things become more illusion ...

# 30, Emilio

February 28, 2008, at 11:23.

Last month, the last day, was one of the strongest falls (from 4355 to 4316) to cross your fingers that tomorrow is equal, for example, and the average would be today (something is something, Nooo?)

# 31, Fausto

February 28, 2008, at 11:24.

On the furniture I can only say one thing .... IKEA.

# 32, Reading

February 28, 2008, at 11:30.

Good morning,
answer to sirialuna
This is the way to always buy a house and bring the administration of a house. It is not fashionable, it is the right way to do it, so we arrived around at the end of the month and others are not. I know people who live beyond its means. With the ease of credit that we can all have everything, one thing is that you can and another is to be.

# 33, Breogan

February 28, 2008, at 11:31.

Fausto decorate a room 100% of IKEA, and I was quite mona. But I get the impression that these furniture will not last demasiao, xD. And I Tiré pile of hours to assemble everything. As stated in other cases, it is not all that glitters gold.

# 34, Indigena

February 28, 2008, at 11:33.

# 31, Fausto
On the furniture I can only say one thing .... IKEA.

Fausto completely agree with you.
The problem we have with many who believe that IKEA is a key "all" is a tool that has made the aliens, or key "thorx" is a key made by the son of Odin, and those who bought such a shelf for the mona salon, becomes magically after several attempts to mount, in a cabinet subrealista designed by Miro or Picasso himself.

# 35, LaNiñaDeRajoy

February 28, 2008, at 11:34.

# 25, sirialuna

At last we found the girl Rajoy !!!!!

# 36, Johnny

February 28, 2008, at 11:35.

Good morning:
Ikea furniture are valid for a holiday apartment that do not use 365 days a year. They are beautiful and modern and the remedy for not having to mount them is to make the silly and you mount your wife (of course the man of the couple pressed nuts).
A greeting to all Forero

# 37, Johnny

February 28, 2008, at 11:35.

Good morning:
Ikea furniture are valid for a holiday apartment that do not use 365 days a year, because with the Tute that give children end up smashed in two days. They are beautiful and modern and the remedy for not having to mount them is to make the silly and you mount your wife (of course the man of the couple pressed nuts).
A greeting to all Forero.

-5

# 38, Breogan

February 28, 2008, at 11:38.

# 34, Indigena

If you follow the instructions to the letter, to an 8-year-old can assemble the furniture from IKEA. And I say, always talking about the economy of our country ... and the number of furniture factories that we have here?.

# 39, Fausto

February 28, 2008, at 11:39.

Well ... the manuals are pretty good and once you've assembled and look like a van because the pieces as churros

We also have a very good financing with its card customer, so if you once used to cut pieces or are you angry salary.

-1

# 40, Paola

February 28, 2008, at 11:39.

Kane,

Regarding the revision of the mortgage, I do the same thing that happens to you, check now (biannually) and savings on me about 45 euros. Less is a rock!

# 41, Font

February 28, 2008, at 11:40.

Sirialuna to:
Indeed what we have to do is know administrator. You can not Salicas to dine out as you do at home. Furthermore there is nothing like home cooking. A good homemade cake for dessert feels great.

# 42, sirialuna

February 28, 2008, at 11:41.

Fausto!

Men are tastes for everything, but I personally recommend you ikea n, second to that stuff, yeah, little things, shelves, lamps and things like that, for all the furniture quality uffff, and if you do not cheap for what you think There are small shops that have cool things and out very cheap, such that you furnishing a whole floor for 1800 euros but at least you and bring you the ride.

# 43, erg

February 28, 2008, at 11:42.

# sirialuna when apuntaros to say about fashion, it sounds a bit like it was something easy and banal .... jajaja

rather, it is not easy, but if it is true that if you know manage and give up things because you're better off ... when watching the Euribor at the beginning of my nuevavidahipotecada even dreamed that it would not be able to pay and now at least not me affects the dream ...

I think it is closing the tap, two years ago I gave the mortgage without any problem or condition, and last year I had to go to 5 as I think.

And I would not exchange bank when I get older because then if I die with the mortgage suit!!

# 44, jarto

February 28, 2008, at 11:44.

Tele plasma but the car in the name of your father? Little help from the folks but all the furniture purchased? School mileuristas? I think people are a little confused his priorities, not the first deal is better to have a salary commensurate with your studies and then get into a house or buy all the furniture? it is better to live without television but not the duty of plasma anything to anyone. The problem is that we want everything and immediately, and it seems someone has told us that you have an SUV or at the door, travel abroad and have a plasma TV or not you're nobody. I lived up to hire and have a decent salary and not having to ask for aid to anyone. And my new car, plasma TV and 70 million mortgage, but have come when they had to go.

# 45, romario

February 28, 2008, at 11:45.

38-breogan.-factories here iran is to take the wind, as is already happening with so many things

# 46, romario

February 28, 2008, at 11:48.

and institutions, making it the Swedish * for what is going on ikea)

# 47, erg

February 28, 2008, at 11:49.

# kane,

I am very glad you save € 60, € 60 I would be happiest more than a licorice, and also because I am very kitchen to prepare dinners and rich desserts that do not get expensive, much better to go out to dine out.

# 48, Seelah

February 28, 2008, at 11:53.

# 30, Emilio
For the average stay the same, the value of tomorrow tend to be within the range: 4332-4353.
So to my regret, I see more possibilities that raise the average to fall. Just when you exit level (value: 4390) the average climbs 2 thousandths to stand at 4349. At least not reach the psychological barrier of 4350.

In any case the crucial issue flies to be in the hands of Trichet and his meeting on 9. We must comment that does not seem that the banks are discounting a possible fall, so it is very likely that we see once again how the TRANCHETES we hold rates at 4, despite LOQ EU and comes on top in France and Germany. Maybe relax with the subject in the third quarter of 2008.

# 49, Fausto

February 28, 2008, at 11:54.

60 € is the weekly food budget for my wife and me xD. I want some of that came in August and Trichet will get off the screen ... I say guys!

# 50, sirialuna

February 28, 2008, at 11:55.

in the end we will end up like in cuba, as it did not leave them to go to restaurants LSO, in houses and hung the phone's menu Saturday for dinner and you like to call and reserve and for a small fee 10 euros the two, people familiar dine and different things. We are not going to do the same because we do not stop n but because we can, but by our nature instead of charging end up together for dinner from one or another well-known but paying the meal between two or each carrying something from home.

is what we are going to leave, and with respect to the 1450 film is both an armed robbery not surprised me that people steal things ... ... ... ... and if you buy a large menu and 8 euros more acompartir
22.50 lacks only tell you get out your pants

Pages: [1] 2 3 4 '

Leave your comment ...

Remember: Never write on hot, think, breathe ... and do not feed the "Trolls"

You can use these tags XHTML: <a href="" title=""> <ABBR title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <'s datetime = ""> <em> <i> <q Cite=""> <strike> <strong>.