Types without luck

At the request of Maryju

# 295, Maryju
March 27, 2008, at 0:23.

I have just come from work and I came to hitting a look at the messages of the blog while eat something before going to bed and I was surprised by several things, one for the large amount of positive feedback and I had my other because there is who has doubted my existence, and not just one person ...

Maryju there, my name is Jose Maria (like maybe it can be deduced from my nik) and I live in Valencia. The flat I bought it last summer and give it to me next fall, but still can not pay the mortgage pay, tendre 55,000 euros to 25 years, with the Euribor at 5.00 and referential +0.5 I get to 307 euros , And with the Euribor at 6.00 but the reference to 337 comes out ...

What was my problem? Being a dreamer ... When I had to choose my career because it raised was whether to choose computer science careers with better prospects of work at that time or try my dream has always been to be a conservation biologist at the recovery center or a zoo. If you have 17 years when you do not try to throw fulfill your dreams When did you do? Anyway'm here, which specializes in zoology and ecology, and technical specialist in exotic animals and a host of workshops on different groups of animals, good levels of English (not too much either), informatica ... For what? To see how these positions have the people or leveraged plugged or friends of heads and watching as lower-level posts also associated with mine because they do not want to biologists as in everything, is generalized, we were off to vague, of hiperexigentes of arrogant and climb ... Anyway, I do not follow that subject turns to me ...

And if, could opositar, but as I commented this morning I do not have a large capacity memory ... For what I consider too risky to throw some opposition from the departing one or two places (the places that are emerging related to biology, except for teacher, and I with my children not wearing well) competing against people with a lot more head than me ... I have read a comment, I do not remember from whom, on which there are races that leaves too many people, is absolutely right, and it is a mistake to consider them, but it was not 17 years trying to lifelong gonna be arrepintiendote while working on something that you do not like and ask yourself that your life would have been if they'd tried tlo ... At least I can say with his head held high that I repent of what I did and not what I have left to do.

Well, I have already rolled up too ... I'm going to sleep, this morning copiare post in the list of reviews for tomorrow what you can read it (I think that if I leave this thread here and not see anyone who is the hour ...) but I wanted to write it now that tomorrow I will not have time to put me in the morning with this ... Let's see whether to put their post before they have to go out to work ...

Anyway, since this, that Maryju there, and there are many Maryjus in Spain. In my circle of close friends that we are 5, there are 2 Maryjus, while the other had something more luck than me, because although also towed at least two jobs are of his own (a diploma) and carries more years that I ( a diploma just prior to a degree) ...

Not if you read this blog Maryju but if so, you command a greeting from another Maryju ... We exist!

In order companions goodnight.

A greeting

Good morning, yesterday Forero wrote the following ... I hit back because I think it is more sensible that I saw yesterday at the forum and as he did at last minute because you deserve it, at least in my opinion ..

# 285, ame76
March 26, 2008, at 21:41.
I too am a little tired of reading so much that has to raise the Euribor for the lower floors. I guess the reasoning is that people were willing to pay unbelievable amounts of interest because short-term and a very long left them a fee acceptable and were satisfied. And the Euribor with a much higher share comes as no longer acceptable.
But before that there are other alternatives. For example could make laws that:
- Limiting the term of mortgages to 20, 25 or 30 years
- Require banks to carry out its feasibility studies with an interest rate of 5%, and prohibit the granting mortgages representing over 30, 35 or 40% of revenues. But again, for a fee estimated at 5% (for example), not to share that comes with an exceptionally low.
Of course one can argue that it is the individual himself to be the self such limitations and that the State does not have to intervene. Already, but we are well. It's like the use of seat belts.
I would also like to comment that I think we complain about the habit, because it is part of human nature (of most humans, at least). But I think even if we had the option to revert back to 99% of the mortgage would buy their housing. So we come here to complain about so high that there is the Euribor and it is TRANCHETES bad, but deep down we orgullosísimos of being masters of our own house, perhaps in part because the things that require effort are valued more than which is readily available.
PS: I do not know if I said something or I have been consistently gone the ball ... is that today I have worked hard and I'm tired.

I totally agree.

Good morning everyone ...
rather than a fall:
http://www.lavanguardia.es/lv24h/20080327/53448615668.html

buy floor two and half years ago ... ... look at that story today still for sale .... Every day I see more cartelitos .... I would love to change me ... but I bought my "hovel" at least, so it cost me?

I know there is more than an interested Forero, and I dare to publish it again, if incongruous, I beg pegueis a touch and I am not doing more:
05/04/2008 DEMONSTRATION IN BARCELONA
12:00 PZA.CATALUNYA CUSTODY AND SHARED
I am one of many, we deprive our children, and housing that we have paid, based on the "child's best interest"

We give many laps on the recklessness that have / have committed many in the mortgage and, what is clear is that it was not a condition sine-quanum beings have notions or financial economist at the time of signing the mortgage, so the only thing we had at that time was:
1 An infinite enthusiasm for the purchase of our "home"
2nd A commitment to pay "X" ESP / month
3 A quiet, since that could pay the fee (at that time)
4th A banker that the only thing he wanted was to have a new asset that will bring benefits and coverage of the quota required by their superiors.
I am quite sure that if the "friend" banker would have put on the table the comparative assessments of 2.75% which gave us the mortgage, 4% on average, and 6% as scenario "if the thing goes evil ", many of the existing mortgage (except the suicide bombers), would still mortgaged, but with a building of lower priced and historically if a majority of potential customers opting for buildings housing more cheap, the inertia of the market (supply / demand ) Would have resulted in lower prices.

Yesterday we heard on the radio president Ausbanc to saying that if a floor has lost its value in recent years, the owner of the apartment you can stop paying interest and you can tell the bank that runs the mortgage because the debt is greater than the value of floor.
In this case, continued by saying, anger against the bank mortgaged the property (in this case the floor) and never against debt

Is that true?

# 5, Nachomad
If you change it from "the theme jet today" by "the topic of today," I give you my positive.

There are views are NOT say jets.

Health.

Hello,

go, it seems that those rumors of LSO "here until March 9 bankruptcy or not God" are taking some form ...

About what that says "# 2, CBS: There are banks (very few) that have their rates high for some time. You put the example of BARCLAYS: In 2002, when there were mortgages with much joy and the Euribor was at low levels, a couple of friends had been purchased and were searching house mortgage. Had not yet started to rise dramatically throughout, and had found a pisito that second-hand for them at a reasonable price then. The charge of store, and she in a department i + D. Gave them the mortgage at any bank, but that was then mejroes was BARCLAYS conditions, so we were there to ask. Delivered documentation, they did the study and ... Thank you for advice, sometimes you win, others lose, but the important thing is to participate.

The Barclays same: a partner who had the mortgage with them bought a second-floor larger. By numbers he was leaving, but something just to pay him what remained of the first mortgage and pay for the second; since rented the first. Barclays because he was told that if he wanted to take literally the new mortgage with them that he had to sell the first, that its scale of granting mortgages was "somewhat conservative" but that was the case. Eventually, in effect, selling the first.

The problem is that for a bank that limited concessions mortgage, there were many that were much joy.

Maryju
you're that kind of woman to which I am proud because they belonged to the same genre.
but I think that as the years pass I've noticed that compensates save that energy to get own purposes, not wasted in showing the world what I am capable.
1 because there are people who can not or imagined so much effort. (unless they do)
2nd like my luck is that I enjoy working.
After all, the purpose of human creation. and I do in my two jobs.
3rd & Would I like my mother "there is no garlic jobless," or "every effort has its reward"
luck, mate.

Marc Vidal excellent blog if confirmed by other news media gives food for thought
You get a summary and the full link at the bottom

Goodbye to MOBILE WORLD CONGRESS
Well, we have already achieved. The Mobile World Congress will be in Barcelona. I would like to wholeheartedly thank the directors responsible for setting the prices of hotel rooms in the city of Barcelona, which during the last edition of the former 3GSM makes the same cost of an average of 600%, because they have achieved that from now on no recurrence of such unpleasant morning traffic jams in the Plaza Espana, or that the nightclubs are packed, or missing taxis during peak hours, or tables that are not in the best restaurants in this city or that tourism more profitable there, the business will go esfumando gradually disappear and the few options that the field of International Trade Fairs show to a city like Barcelona. Thank you with all my heart for being so provincial, pathetically ridiculous and disgusting usurers. For my can all go together in a row of two to the very hell.

http://www.marcvidal.cat/espanol/2008/03/adios-al-mobile.html # more

Well, I, I've been on the Raritan. I'm going to hypothecate in fairly similar to my (250,000 euros) and did my accounts in anticipation of a 35% joint income of my partner and I, my current house as backup and a possible scenario of up to 7% of Euribor. But now it gives me q is afraid to get involved, no DQ can not pay, but to DQ'm doing the best running and within a year, my brand new apartment is worth less than what I'm going to write and mortgage ....

# 13, hormiguita

You see ... iceland. There is interest at 15, surely you rent more than here

# 16, Fran

I also have this fear, because I buy the apartment in October 2007, but even though I have not seen that story is similar for venda least, that fear has always been.

While on the other hand, fear what we have because we believe in the short term. if I have not bought the apartment with intent to sell, but to live in, it gives me more to fall, an duarante year, two or three, if in the long run will again go up, and within 30 years, surely worth more and I have lived.

A greeting.

Returning to the theme of MOBILE WORLD CONGRESS
It seems that stays in Spain is going to wish them to Valencia Valencia more knowledge we have had to expel us Catalans usury by an event that generated many millions throughout Catalunya of tourism If it's worth, not the classic tourist legs fried in beer and sandwich
Sort Chesa

I'm back.
# 16 and 19
No deberíasis of preocuapros if your apartment here a few years worth more or worth less, because the only purpose it should have your home is to live, and not for speculation.
conclusion: sed happy with your house, disfrutadla, and when your children inherit that apan them.
A salute!

# 29, shell

Country full of speculators ... ASCO THAT!

# 13, hormiguita

You're a woman? lo digo porque yo soy de los que quieren que baje el euribor ya que me cuesta pagar mi hiopteca, por qué? no porque fuera un loco valiente del tipo al 2% sino porque a mi mujer la despidieron de su trabajo por quedarse embarazada, hay mucha gente que quiere que baje el euribor no para sentirse mejor por un error que cometió sino porque a veces las cosas vienen mal dadas, ok? así que si eres mujer toma nota que nadie está exento de que le pase algo así.

Un saludo y lamento el tostón

Según un artículo del Pais, tranchete dice:
“Son amenazas creíbles para el bolsillo de los ciudadanos, a las que los trabajadores no deben responder reclamando subidas salariales en consonancia, vino a decir, una vez más, un Trichet en guardia contra lo que técnicamente se denomina “inflación de segunda ronda”. Los salarios, explicó Trichet, no deben estar indexados automáticamente a la inflación, sino que “deben relacionarse con la productividad porque, en caso contrario, la economía pierde competitividad y eso lleva al desempleo”.

No sólo los ciudadanos de a pie van a sufrir en los meses venideros: los extraordinarios beneficios de la banca de la eurozona también se van a ver afectados por una menor actividad crediticia y una menor asunción de riesgos.”

Con respecto al primer parrafo, es tio que produce?
Con respecto al segundo parrafo, como se atreve este tio comparar mi posible sufrimiento con el del Sr. Botín que en vez de ganar miles de millones gane un poco menos.
Tranchete porque no te callas?