The godson

As far as we can see in other countries, in what may be in Spain we can not complain at all. Although we have sausages, politicians, swindlers, corrupt and other ilk have no true and genuine Mafia, one that is capable of making proposals that we could not refuse.

Who knows whether due to a liquidity crisis, we will have to go to a billiards for a personal loan, having to negotiate a settling of accounts with a promoter given to the escape or find a quick way to end the mortgage.

Therefore, it is worth continuing some tips for doing business with the mob that I have read here. Let's see what are the recommendations for survival in the mob that gives us "Provenzano, a member of the" Cosa Nostra "for more than 40 years.

1. Invisibility or Relativity: Provenzano instructed the mob to avoid any activities that attract advertising. If the owner of a factory refused to pay, no one should burn down their trucks or machinery. The peaceful persuasion was the only way. The old system was to shoot first and ask the questions later, but the new times required to assess the possible consequences of any hostile action. There was a need to consider how they could do more harm a person, whether alive or dead, revealed Giuffrè.
2. Mediation: Be calm, clear, smooth and steady, not ignore everything they say or believe them to the other juntillas feet. Always try to find out what the truth before speaking, and remember that to do a trial, enough is never a single source of information.
3. Consensus: Provenzano instructed his men in the art of negotiation and dialogue. He coordinated the activities of different groups competing with each other without imposing their will. He was the undisputed leader, but gave the impression that its decisions are taken after a long consultation.
4. Direction and guidance (God as an ally): Another asset of the head of the Cosa Nostra was to have God on their side. Was shown as a pious man, as a kind of pastor who could rely on and whose letters were read as a homily. Even included numerous passages from the Bible.
5. Flexible Policy: Provenzano not hesitated to switch their allegiance to one or the other, provided that their business so warrants. Sought to politicians who were ready to help and not hesitated to give back 24 hours later if necessary.
6. Reinvention: In the event of political scandal or a failure of the business, the boss considered vital to be able to distance himself from the case. Even recommended to acquire a whole new personality, if necessary.
7. Modesty: During his career, Provenzano went from a mere hired assassin to become an investor business, a political brain and, ultimately, a strategist or leader. Part of his mystique is that no one knew if it really was a genius or a real illiterate. To emphasize his humble nature and presented himself as a simple man of the people wrote letters full of spelling mistakes and if he signed with the same humble apology: "I ask forgiveness for my spelling mistakes ..."

Undoubtedly, some excellent advice for many economic activities, both legal and illegal.

The article is scheduled for today (while writing the play with Valencia Getafe) so that it take to bring news of the day and begin cutting into each and every one of the commentaries on the Ebro and that although it has its economic implications are comes out, much of the end of this blog.

At the moment I stay with this news from Wednesday evening, which are quite interesting:

Update. Some news of the day:

(Unrated)

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Written by Carlos Lopez on April 17, 2008 with 204 reviews.

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204 reviews

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# 1, Nachomad

April 17, 2008, at 9:09.

Oops, I get my start today? Well, good morning to everyone. A simple point about the slight 'slowdown' in the economy:

"Solbes portends a crisis of three years and admits that GDP grows, and much less than in 2007. the economy is not going to move to 3% until late 2010 or early 2011, dates for which will recover the surplus. "
(ABC. Pg. 39), (EP Pg. 20), (LR Pg. 60), (EM Pg. 37)

Good Thursday

# 2, AFERNET

April 17, 2008, at 9:11.

Very interesting tips of the Cosa Nostra capo, should begin to follow their patterns on a daily basis to achieve our aims, in fact some of these tips are really valid without needing to be associated with the Mafia, above the consensus and mediation.

# 3, Hand H20

April 17, 2008, at 9:11.

My wife does not understand economic indicators.

Is concerned:

• That kid's nursery for the next course climbs 16%
• The share of the APAS of breeding rises 12%
• That loaf of bread has risen by 36%
• That milk has risen by 22%
• The share of the mortgage has increased by 90 € a month.
• The potatoes, rice, eggs, oil, electricity, water etc. That heavy!

I say that if they are all fixed-digit increases of 2 and, instead, the really important indicators, such as the CPI, the Euribor, the rate of the ECB, and so on. not even reach the 5%

Moreover, growth of GDP, which I think is important for the releche, will be between 3.1 and 1.8. Fuck, that's a trend to zero. Cool huh?

Besides my boss told me that my salary is not even a reference indicator as the CPI. Rather be associated with something called productivity. In my case, Chachi, because, for example, now if I write two comments a day and move to write, three, with that one per cent increase, step by winning 1.2 € more per month. Gross eh! I do not think that I fall in net almost 80 cents.

If it's what you always say: if you think that men are all fools, at least we have one next door. But come on, what it is like that if they are unable to understand why a map puñetas always get the co-pilot?

Anyway. Aupa Alonso, who with the new spoilers are you going to run more than the brown.

"With the hand upwards'm the first on the grid"
"With the hands-down sack to the brightness damn"
"With his finger on the button for vehicle Hamilton"

Darling. Hand me another beer, go.

+108

# 4, Euribor up up!

April 17, 2008, at 9:16.

Good morning everyone!

I repeat a comment from an Internet user who I liked a lot.

What to think? I'm quite in agreement.

It would have to collapse the German GDP for the ECB to lower rates. If down now, oil would put us through the roof (as it is, what happens is that you do not notice it because the dollar has fallen) and inflation would follow the path of oil. And they would have to raise rates again to control it. While Germany continues to grow and export (for something invested in technology and not in bricks), Trichet will continue with injections inflationary. But there must be a massacre for the fall, and Spain does not count. Moreover, the Spanish tragedy long ago that are discounted. For something a foreigner does not invest here since 2006. We have wasted the greatest opportunity to modernize our history in the fable of the house, and now play 10-15 years to pay. And pay through unemployment and growth. And with the ingredient of choice for Solbes: deficit (which it will pay our children, of course). Good luck.

God's Will ... (if they still have some ...)

+40

# 5, cojonDsastre

April 17, 2008, at 9:18.

The boxes raise its net profit by 10.5% to March

Let's see if we realize once and for those who always win.
PD is already well TROLLeros rumors.

# 6, jesus size

April 17, 2008, at 9:30.

Hi, I wonder if anyone could tell me Forero on new insurance that banks now offer to cover possible increases in mortgage Euribor. I have offered but I am not sure about the possible evolution of the Euribor and therefore if I'm going to do good or evil if the lame. Thank you

# 7, manonegra

April 17, 2008, at 9:30.

Bon dia,

The ASN Nuclear Security Agency, rising level of the incident in Ascó 1, occurred 5 months ago! Radioactive particles are already looking outside the central ... and will examine more than 800 people.

And now we learn! why are systematically concealed such incidents if nuclear power is so safe?

Simply because it is very insecure, a bomb (made with material from 2nd hand) next to our houses, so that 4 is lining.

If the people knew what they really are nuclear power plants, which years would be all closed.

# 8, nefernef

April 17, 2008, at 9:36.

That incident so far removed pronucleares because the voices are becoming stronger and urgent.

People do not understand that the energy is also an inelastic market. A plant that is start today would take ten years to be in production.

And in markets with offerings is inelastic in which the bubbles form ...

# 9, Euribor up up!

April 17, 2008, at 9:41.

Hello again!

MAFIA on the subject believe that more than one developer and builder began to go to his house looking for him and give him a good start "ONDANADA Ostia" by the great TIMO that he has stuck to more than one Spanish with hopes of having a housing (above you pay a BURR ... do not even build the floor !!!).

Speaking of other things ...

Here I put another view that I think you should take into account their perspective and agugez GREAT, objectivity and insight.

I do not know you but I have not lost detail of everything that says (with the consequent "stand to think what they're saying").

Hacedme please read the entire comment ... still be a bit long.

Thank you very much!

According to Marc Vidal:

One of the absolute truths as assumed by some that barely teletipófagos in the editorial offices of most media in this country, is that the construction sector accounts for 18.9% of national GDP. There's no economic journalists are able to interpret a balance sheet or an accounting review. It would be crazy to ask them to analyze the financial health of a state for example. And it's not worth it to give as accurate, without nuance, so the influence of construction in the whole of the Spanish economy because it dispels the mystery and provides complete information.

Spain is the country in the world that depends on more floors to be built. While in countries like the U.S. traditionally patrimonialism this unit is 4.8% and provides a 7% of the jobs, here is the direct dependence of that nearly 20% who said, but provides 26% of the total occupation . If you join the players in this indirect calculation, the sum is terrifying because it got to 31%. The latter percentage is expandable, sorry, with the industry that manufactures equipment for construction, furniture, or to manufacture elements that are essential in the real estate sector. The final sum, made in the talks by the social partners and is being held in the strictest secrecy, it was a surreal about 38%. And yet there are those who may be considered to reposition the unemployed that the system is unable to occupy, which with 10,000 million Euros are going to attack the problemilla and that this is going to be a bad run of about two years because he said the IMF. The same international body that a year ago ensured that our country was prepared to withstand the crisis, we were going to grow by over 3% and you get to know that canned tuna.

No cuts, and should do so, we are growing below 1% at this very moment. This first quarter of 2008 is a disaster that will result in a quagmire in the middle of this. GDP growth may be negative figures around now. It's easy to understand. If 40% of the Spanish economy is reducing drastically the participation in that process, the only viable translation is the decrease.

Did not you see? The promoters do not sell, the building closed for financial inability and lack of labor, real estate is becoming rooms for the games business, accumulate dust on the furniture factories, cars accumulate in the firing waiting to be enrolled, and so on.
Now imagine for a moment that the dinner I sat wrong and that I am in full digestion prejudicial. That's why can not stop looking at things from the worst of all possible points of view. Imagine that I think that that the crisis is systemic and that it only affects a particular sector, very limited and that represent a small adjustment in the growth model. Something desirable for technicians in "landing" and that it has finally arrived. Imagine you are right that the claim that the Spanish crisis has nothing to do with international, who is not only financially and that will affect the area concerned. In a couple of years, thanks to a sound and robust banking, this will happen. Imagine that thumb sucking us all together and in pairs.

The arguments of those who argue that our financial system will not suffer does not hold. This explanation often based on two short-term securities. The first argues that there is no U.S. subprime CDO hidden somewhere. Admittedly, it does not exist because we already have our own. The banks did not need to invest in securities lending and bonds because here was packed leftovers, or is that loans to 100% of the value of valuation experts to families in the "decoration" of payroll and income can not call them junk mortgages? Saying that there is no subprime Spanish is an illiterate be unconscious or a hypocrite. All know that cases will be adjusted in the near future and that with that name does not, will swell a list of mortgage risk. Flats overstated, mortgages to the limit, real estate projects with land valued at 70% of the total promotion and apparent complicity of all participants in the great national scam, have turned the Spanish mortgage debt in a massive subprime verge of falling over all of us.

However, the big argument that since the power of marketing and financial policy of this country is used to reassure the citizens "to compraviajes timing" is that Spanish banks have a huge supply of 35,350 million euros which the Bank of Spain forced to stay in his days before an eventual change of cycle. The problemilla appears when using the calculator. I am saving the equation of the second degree, the function and its detail but we know that with an overall sluggishness to a 3.75% these provisions will be down the drain. It seems a very high rate and distant from ours but is not as unattainable. While we are now at 1%, and there are indicators that guarantee that Trichet will triple if not lower rates by half. Unemployment and productive catatonia not help much to pay our mortgage. In the crisis of 93, the delinquencies reached 5% in the eighties was grazed 8%, and the western half of 4.4% is in the process of economic restructuring.

In short, when the Spanish GDP growth was 3.8% this depended to a 1.2% of European cohesion funds that no longer have and by 1.4% in construction. Now, if we analyze the interannual to be around 2.4%, we should understand that the growth in the first quarter of 2008 should not be exceeded by 0.8%. Some people said that the arithmetic that so far demonstrated the miracle Spanish and lives in the red. There is no locomotive or train stations packed with people just waiting incredulous to stop a convoy without knowing that the latter happened two years ago. From the platform, in the distance, a dog in the bone attached to a poster of "for sale" gaudy orange reminds us that the thing has only just begun. From the top of a mountain, in a makeshift balcony, contemplate exploded as the fundamentals of the economy. Those who believe in God, who confess their sins, those who do not, we will continue crowded into the basket of dirty laundry.

And God's Will ... (if they still have ...)

+39

# 10, TonySkl

April 17, 2008, at 9:53.

The best gangster suits are without a doubt.

The other day I got into one of its "home loan".
I asked a lot of money (€ 250,000) to buy a mousetrap (€ 200,000 + 10% costs) and a large car (30,000 €).

In principle "Tony el Gordo" I look at me thinking I was crazy! I had no money!, Meditated for a while and soon saw that I would have on her arms by a laaarga season.

I make a few calls, and within a few days soon get some papers that said that the mousetrap was worth 312,500 €, that this big mob thought, and it appeared that not all gave it to me ...

I asked thousands of links (payroll resident, home insurance, life insurance ...) and still made me feel that I did a big favor.

It gave me a few pats on the face and with a smile and an eye cucando me a pen to sign papers that would tie me to the Mafia for 40 years.
He was 34 years and would be up to 74 years (and travel to Benidorm IMSERSO what?) Paying € 1205 a month (a total of € 578,400 more than double ... Phew!)

What they told me it was not that they themselves also linked with other major mafias throughout Europe, could alter my monthly payment of debt, and make it go up every year ...

I was at his feet. Each month religiously paid my debt.

I thought it could happen ... if it did not sure which would remove the mousetrap and still could continue even after asking me to clear the debt.

But I thought of a solution .. That easy! Just had to sell my mousetrap by 240,000 € (what I was missing by amortizing) and rid me of them.

My the mousetrap cost me € 200,000 and put on sale for 240,000 € (Of course the big car that pulled and expenditure) was not good but a lot of money to people who knew him had risen over the selling price of its housing ago years.

Inexplicably nobody asked for my mousetrap ... but if only the post and 20% more expensive than 2 years (10% per annum is little thought ...) Do not always go up the price of MOUSE TRAPS?

Even now ... I mousetrap does not leave her.
My holiday is year after year the same ... the people of my parents.
The white markings are brilliant, especially the "colaGuay" and "mahonYesa"

And when you pass by in front of that "home loan" even think it ever should have entered ...

A greeting and good days!

+118

# 11, Fran

April 17, 2008, at 9:54.

# 5, cojonDsastre

For several days, I said and I repeat that this crisis, in my opinion, is not as real or as raw as the painted many. It is more a crisis of confidence - or lack-of the financial sector that is dragging all sectors. Tb q told the true August with the Euribor banks are doing. That benefit was demonstrated in the boxes. I am among those who believe that at the time it is over the "story" of the subprime and know where each (the G7 has called IM accounts 100 days), the financial sector will return to restore confidence and loans flowing again with a bit of normalcy (not equivocquemos us, normalcy is not otorgrar 100% of the loan for example in a mortgage with a debt ratio of 80% of personal income) and things will return moderately to your site. At that time arguably the Euribor will drop until closer to normal height of 4.4-4.5. If you also binds to this that Mr Trichet understands that the end does not always lower the interest rate-> higher inflation, and cuts -> euro will fall a bit and see how we can deflate a little oil (q really is the one who is provoking Much of inflation). And really in my opinion - q'm obviously a novice - this will happen and will be remembered as a crisis atypical. Q I hope many will also serve to learn that when you say the banks no more than 80% of the value of the property and not more than 35% of your income if it was not DQ.

X true. This is an opinion and given the nail in the q have been many economists including ministers, I think q is as valid as any other

+10

# 12, krollian

April 17, 2008, at 10:05.

Let's see when exposed the documents signed by the nephew of Ardanza, Roberto Cearsolo, in one of the chambers of the Guggenheim.
Look at the route of the signing, secure and orderly for the author. We suggest a man of action ...
His works are worth a Potosi. Exactly 486,979 euros ...

And the auction of always doing the Gorki (oligofrénico) in La Pena. Besides human lives, the destruction to pay a neckline.
It looks to me that people are getting tired of so much nonsense ...
It costs to get to the end of the month for a humble currela and see these things you outraged by one.
As one the Basque Country is handled as a batzoki ...

+15

# 13, Anonymous

April 17, 2008, at 10:05.

# 4, Euribor up up!

The oil is through the roof because the euro is through the roof on euro-dollar, the ECB's decision not to lower rates means that speculators buying oil and selling it today, tomorrow more expensive. They have already commented that the end will surely return to the FED lowering rates, terms to the oil by then, 120-125 €?
This makes firing inflation, we are playing? The whiting that bites its tail.

+19

# 14, nefernef

April 17, 2008, at 10:06.

Somebody labeled me a few weeks ago little less than functionally illiterate by asserting that he bought energy for France. I suppose that I share this with Mr illiteracy. Felipe Gonzalez
http://www.libertaddigital.es/noticias/kw/antinuclear/cambio_climatico/energia/industria/kioto/modelo_energetico/nuclear/renovables/kw/noticia_1276328193.html
(And my belief is nothing more than that, a belief which does not work in the industry.)

+10

# 15, Fausto

April 17, 2008, at 10:07.

# 9, Euribor up up!

And that will marc vidal, when Solbes invited to the Moncloa dira not rectified and the same way when they called the Caixa Penedès?

This man is my credibility 0.

"I ask forgiveness for my spelling mistakes ..."

# 16, Fran

April 17, 2008, at 10:17.

# 14, nefernef

I do not know who you tacharía. But is it really the illiterate. Many years ago we do it. And not only that, but now there is an agreement between Mr ZP and the lord of Bruni by which some nuclear power stations in France will be managed by Iberdrola and aimed at generating energy for Spain.

Indeed. Have long called for a greater interconnection between networks French and Spanish from here to let us provide unrestricted

# 17, hipotecadodeporvida

April 17, 2008, at 10:17.

Trichet .... Mmmm mmmmmm ... .. ... Grrr ... that the Euribor. Qu will appear or an accident ..

+17

# 18, Fausto

April 17, 2008, at 10:19.

I think the MAT is for something, not to put a pot of yoghurt at each end and talk to gabachilandia.

-4

# 19, Xika

April 17, 2008, at 10:19.

Good morning, everyone s!
I am looking to mortgage entities, (I envy all ye mortgaged) jejejeje. Ojala out that the reason, there will be no, but I bought it 1 year and a half planes and has already reached our time to write ...
My doubt is that Ibanesto is the one who gave me the best conditions (the first 3 months and the rest +0 eur eur +0.30) without linkages, only 1 payroll.
And what I wanted was to know your opinion on this entity that is the group Banesto but works over the Internet.
See if you can advise me.

Thank you very much!

# 20, sirialuna

April 17, 2008, at 10:28.

# 3, Hand H20
Darling. Hand me another beer, go.

And not because you gonna find you? jejeje puntillita always with the macho, but really good at what you say is true, anyone who carries home economics knows everything that goes up, but if the bread rises, so shopping at the crossroads or Caprabo which is worth half that of the bakery, and if milk goes up there are other brands much cheaper.

# 10, TonySkl

yotambien I want to ask for a ferrari, but you do not hump and Squee if the case involves more than they got for it is the choice you've hecho.si rather buy a car you get away with a second hand, and you get in a mousetrap with nothing saved, and agreed to pay EUR 1200 you bet anyone a gun is you who decided to commit suicide by throwing most of the car. so sorry but now you get to jorobarte. it's as if I am HUY I will buy a boat as if I could keep it ....

for my MAFIA the larger the state, you said you do not waste water, you do not smoke, you do not you buy an expensive apartment, not your thing, and because we removed everything and now they do what comes out of them lame .... is your finances swindling $ 100 you rot in jail but Mr rock is already on the street and julianin with one foot inside and one outside.
Pathetic.
you charge for everything, you are the desgraciao that could save and buy a house, pay the tax on real property, you throw your garbage pay me 80 euros which I now deal with it and sack over the pasta and if I give Recycled better I am saving more pasta and more profit sac and everything well, to collect receivables receivables.

# 21, Ciny

April 17, 2008, at 10:30.

Burn them all!

-4

# 22, Euribor up up!

April 17, 2008, at 10:31.

# 11, Fran

Hi Fran,

I'd like to read my comment (# 9, Euribor up up!) Because I am of the view that "this is a dot bursting."

It is not just financial crisis ... is much more.

Greetings!

# 23, Sosa

April 17, 2008, at 10:34.

From my point of view, the crisis of trust / mistrust, are the most dangerous ... .. that is generated mistrust, which makes investors leave the market, which increases the problem of liquidity, and blah, blah .... .

On the other hand, appears to be complying with that our children are going to pay our mortgage for nothing ..., to solve this problem, we can do is not to have children (because we can not pay for schools, nurseries, etc. ... for inflation), and thus contribute to a lower birth rate, not enough employees in the future to be able to contribute to the payment of pensions for those who have been working lifetime, and thus get to keep our children have to pay our mortgages!

Everything is the whiting that bites its tail ... ..

... Greetings.

# 24, manonegra

April 17, 2008, at 10:36.

Bon dia,

Thank you so bad (I keep you up at night, really) my doubt about it, is whether it is for the "bon dia" or the content of my post.

Of course everything is the view, but if the negatives are the bon dia, IROS accustomed, Vivis in a state with 4 official languages.

If the content is just something I'm complaining, that affects both my children and yours.

Bon dia XD

-21

# 25, Paola

April 17, 2008, at 10:37.

tonyskl,
if what you've told is true, I know very bad for you for having relied on a large cabronazo and desdeo of truth that you can resolve your situation.

As for the crisis, I'm with Fran, I think the moment of crisis does not appear to be as big, perhaps because in my environment, I do not have anyone who has been unemployed or have serious economic problems.

-5

# 26, madmax

April 17, 2008, at 10:38.

# 14, nefernef
April 17, 2008, at 10:06.

Who would not be, but of course that we bought! And a lot. We buy and sell to France to Portugal and Morocco (for an underground line), indeed the entire electricity market is interconnected and France sold to many other countries.

Resulta que como revendemos a otros países no perdemos tanto, y todos chupando de donde? De la energía nuclear,claro.

No es muy buen link, pero tengo unos powerpoint chulos…
http://bejar.biz/node/2596

#9, Euribor up up !!!
17 de Abril de 2008, a las 9:41.
Estoy totalmente de acuerdo contigo, “que es una crisis de confianza de los bancos” dicen algunos, pero quienes son los mas listos aquí? Los bancos, no? Pues si desconfían(en realidad no desconfían están acojonados) será por algo…

# 27 , poor enculator

17 de Abril de 2008, a las 10:39.

Hay un proyecto para conseguir energía nuclear limpia, barata y casi inagotable, mediante fusión nuclear. Están involucrados la UE, USA, India, Rusia, China, Japón…

Yo creo que ese es el camino. La fisión es peligrosa y el petróleo se agotará, más temprano que tarde.
El único pero que se me ocurre, aparte de la dificultad técnica, es que se acabará la mayor parte del negocio de la energía. Y puede que eso no interese y por eso no tiene la pujanza que debería. Podéis buscar ITER en google.

# 28 , aleale

17 de Abril de 2008, a las 10:40.

fausto
hoy nos tienes olvidaos, como va el tema?

# 29 , TonySkl

17 de Abril de 2008, a las 10:43.

#20, sirialuna

Osea que no te has dado cuenta que no tiene nada que ver conmigo ¿no?

Jajajaja!!! madre mia!!! yo no haría eso ni loco!!!

Pero bueno si has identificado que historía podiar ser cierta me ha quedado exactamente como quería.

Mucha gente esta en esa situación y la verdad pienso como tu. Ellos mismos se metieron en el lio…

# 30 , Fran

17 de Abril de 2008, a las 10:43.

#22

Para bien o para mal, se verá pronto.

De todos modos no pasa nada. Ya han anunciando un nuevo fin del mundo para dentro de 2 o 3 años. Asi q primero esperaremos el tuyo y luego el otro

Saludos compa - Y espero q no tengas razón -

De todos modos de todo lo q escribes coincido ( y lo puse hace unos dias) q somos un país SEAT (dependemos demasiado de cosas q todo el mundo sabe hacer, q nos pueden pelear en el precio . Somos un poco subdesarrollados y no creo para nada q seamos la 8ª potencia - de hecho creo q es muy ficticio). Necesitamos pasar a ser un país BMW como el agua. Y todas estas cosas nos la soplarán.

# 31 , aleale

17 de Abril de 2008, a las 10:45.

corto y pego
leido en cadena ser
La última en revelar sus resultados ha sido JP Morgan, que ha ganado un 50% menos en el primer trimestre del año después de hacer provisiones por valor de 5.100 millones de dólares debido a las hipotecas de alto riesgo o subprime.

El tercer banco más grande de EE UU, que ya tuvo un impacto negativo en su balance de 3.165 millones de euros durante el pasado 2007 por las hipotecas basura o subprime, ha registrado una caída en sus beneficios hasta marzo de 2.370 millones de dólares, o 68 centavos por acción, desde los 4.790 millones de dólares, o 1,34 dólares del año anterior, según ha explicado hoy la entidad financiera. Estos datos están en línea con las previsiones del consenso de analistas de Bloomberg.

El presidente ejecutivo de la entidad financiera, Jamie Dimon, ha explicado que “los beneficios de este trimestre han caído significativamente debido a las condiciones del mercado del crédito”.

Antes que JP Morgan, la firma de inversiones más grande de EE UU, Merril Lynch, ha adelantado una provisión adicional de entre 6.000 y 8.000 milllones de dólares (3.800 y 5.000 millones en euros) para paliar las pérdidas provocadas por los créditos dudosos hasta marzo. Fondos que se sumarían a los 15.886 millones de euros que la entidad ya tuvo que poner sobre la mesa durante el pasado ejercicio para paliar los efectos de la crisis hipotecaria en sus libros de contabilidad.

Por su parte, Washington Mutual, el mayor grupo estadounidense de préstamos y ahorros, ha cerrado su segundo trimestre consecutivo en números rojos al registrar durante los primeros tres meses del año unas pérdidas de 1.138 millones de dólares (720 millones en euros) por los mismos motivos.

El grupo informó ayer, tras el cierre de la Bolsa de Nueva York, de sus resultados del primer trimestre del año, que suponen un recorte de las pérdidas del 39% respecto a los tres meses anteriores, pero que aún se quedan muy lejos del beneficio de 784 millones (497 millones de euros) acumulado en el mismo periodo de 2007.

Como ya ocurrió en el último trimestre del año pasado, las pérdidas del grupo estadounidense, con sede en Seattle, se deben en gran parte al aumento de las provisiones ante el “pronunciado descenso del valor de los inmuebles y el deterioro del mercado hipotecario”. La entidad tuvo que provisionar 3.671 millones de euros durante el pasado ejercicio por las subprime.

# 32 , ame76

17 de Abril de 2008, a las 10:47.

sobre el tema de Francia y la energía eléctrica:

el que decía lo contrario creo que era J.

según J., España le compra energía eléctrica a Francia, pero lo que le compra es “el excedente”, que Francia nos vende muy barato porque las centrales nucleares tienen que funcionar a una potencia estable y no pueden ajustarse a las fluctuaciones de la demanda.

Pero a pesar de que España le importa energía eléctrica de Francia, parece ser que también exporta energía eléctrica (digo yo que será a Portugal y no sé si también a Marruecos), y parece ser que exporta más que importa. Y que no importamos por necesidad, sino por vicio (porque nos la ofrecen muy barata). Pero que Francia nos venda energía eléctica de origen nuclear muy barata no significa que lo sea, sino que prefieren casi regalarla a tener que parar una central.

A todo esto, yo ni entro ni salgo.

Saludos,

# 33 , Fausto

17 de Abril de 2008, a las 10:50.

#28, aleale

Toy un poco alicaido, como el dia. Por suerte tendremos agua jejeje.

Demasiado curro hoy

# 34 , Madmax

17 de Abril de 2008, a las 10:50.

#27, poor enculator
17 de Abril de 2008, a las 10:39.

Llevan 20 años con el rollo de la fusión nuclear y no han conseguido nada, solo una planta piloto que consume mas que produce. Aunque desde luego si queremos un futuro con energía esa es la única salida…

# 35 , bender

17 de Abril de 2008, a las 10:50.

Ayyyyyy la especulacion, un mal en el que se cae una y otra vez, vivienda, petroleo etc. Hasta cuando seguirá y nos daremos cuenta que detras de unos numeros hay personas.

# 36 , Maikel

17 de Abril de 2008, a las 10:55.

Buenos dias! Como lo llevais? Ya queda menos para el finde… A ver el Euribito si nos deja ya tranquilos porque vaya tela la media que vamos a tener este mes….
#19, Xica
Hola Xica, mira, como opinion totalmente personal y dentro de mi simple experiencia, no te recomiendo Banesto, al principio son todo facilidades, un diferencial muy bajito y demas, pero son un Banco un poquito (mas bien muchito) peseteros (mas que el resto, que tambien lo son) y te sangran en comisiones… Igual opino asi por una mala experiencia en la hipoteca de mi mujer, pero yo la verdad que paso mucho del Banesto. Por cierto, no te fijes tanto en el diferencial, mirate bien el TAE, eso es lo verdaderamente importante, que es lo que realmente vas a pagar al final. A ver si algun experto (de los muchos que hay en el foro) sabe informarte (e informarme) mas profundamente sobre el tema…Pero lo dicho, mirate mas Bancos, no vayas del tiron al Banesto…
#24, manonegra
Hola manonegra, creo que no vas desencaminado, la gente te va a meter siempre negativos, el 99 % te los va a meter por el “bon dia” con el que comienzas siempre, no por el contenido de tu mensaje, es triste pero es asi, seguro que si pusieras “Good morning”, que tampoco es español (o castellano…) la gente no le daria tanta importancia, pero ya sabes lo que hay con el catalan (porque no eres valenciano, no?…) En fin, no le des mas importancia. Un saludo!
Respecto a la crisis que estamos viviendo, creo que nos queda un añito (por lo menos) de estar un poco agobiaos, pero yo creo que para el año que viene estara mejor la cosa, no? Eso espero!
Saludos!!!!!

-1

# 37 , Fausto

17 de Abril de 2008, a las 10:55.

Ale , ese solbes de auxiliar de enfermeria!!!!!

http://www.cotizalia.com/cache/2008/04/17/86_solbes_intercedera_alargar_plazos_inyecciones_liquidez.html

-2

# 38 , poor enculator

17 de Abril de 2008, a las 11:00.

#34, Madmax

Yo estoy convencido de que es más por cuestiones de intereses económicos que por dificultades técnicas (que seguro que las hay).
Acabar de repente con el chollo del petróleo no debe de ser tan fácil. Pero soy optimista con la fusión. Cuando se acabe el petróleo la tendrán lista, sin duda.

# 39 , Fausto

17 de Abril de 2008, a las 11:06.

Euribor Semana 4,223
Euribor 1 Mes 4,371
Euribor 2 Meses 4,571
Euribor 3 Meses 4,784
Euribor 6 Meses 4,793
Euribor 12 Meses 4,796

5mentarios

+11

# 40 , Euribor up up !!!

17 de Abril de 2008, a las 11:07.

#30, Fran

Fran, yo también estoy contigo en que somos un país muy “comodón” y nos gusta lo fácil, lo rápido y lo “todo por la pasta” con el mínimo esfuerzo posible.

No se valora la iniciativa, la investigación, el I+D+i, el buscar alternativas y el crecer mediante el desarrollo tecnológico apostando por las muchas jóvenes promesas que tienen que irse al extranjero para poder desarrollar sus grandes ideas.

Y luego la patente de “eso” que un “expulsado” españolito inventó queda en ese país que SI le dió la OPORTUNIDAD de investigar.

Por favor, Sr. Zapatero, invierta en I+D+i que es lo que nos puede salvar!!!

Pague buenos salarios y buenas becas a los UNIVERSITARIOS que acaban su carrera y no les queda otro camino que ponerse de CAMAREROS (con todos los respetos para los camareros, que es un trabajo muy chungo!!!).

Debemos crecer con inteligencia y no con “burbujas” que igual que se inflan… SE DESINFLAN!!!!

Y ya sabéis… que Dios reparta suerte… (si es que aún queda…)

+15

# 41 , Dani

17 de Abril de 2008, a las 11:09.

A mí me han enseñado que debo acabar como mínimo el mes siempre con 1 euros más del que empecé.. y procuro ahorrar algo más. Lo que no entiendo estos PIIII multimillonarios, directivos de grandes empresas (por no llamarlas nuevo modelo de esclavitud) si no ganan más de la barbaridad que ganan no es suficiente? por ello hay crisis.. no me digáis.. ahorrar un euro es una caca fría, pero si ahorro mil cada mes (que no es el caso) ya me puedo dar por súper satisfecho!!! PIII avaricia acabará por j.odernos a todos!!!

# 42 , Euribor up up !!!

17 de Abril de 2008, a las 11:17.

Por cierto… para los que aún estén un poco dormiditos a estas horas…

Nuestro amigo PETROLEO se pone a $115.01… y el colega EURIBOR se pone en la nada despreciable cifra de 4,796%.

Yo no quiero decir nada… pero esto va como mi apodo…

EURIBOR UP UP !!!

Y que Dios reparta suerte… (si es que aún queda…)

# 43 , Carlos Lopez

17 de Abril de 2008, a las 11:23.

Ando metiendo tijera…

+10

# 44 , Fausto

17 de Abril de 2008, a las 11:25.

Las perspectivas a corto y medio plazo son muy negativas. Los mercados de crédito continúan en buena medida congelados, evidenciando la ineficacia de las medidas adoptadas hasta el momento por los bancos centrales. Lo que parecía una simple crisis financiera está llegando a la economía real con aumentos del paro y quiebras.

Según la OCE, la crisis será más larga y más intensa que las correcciones de las últimas décadas. El impago de los préstamos hipotecarios está lejos de solucionarse y la situación avanza hacia el incipiente impago de créditos empresariales y de consumo que, inevitablemente, aumentará conforme avance la crisis económica internacional.

1. La situación en EEUU

La Reserva Federal de EEUU (Fed) ha intensificado su estrategia de expansión de crédito a través de masivas inyecciones de liquidez y sucesivas rebajas de tipos de interés. Tales medidas sólo intentan proporcionar liquidez de manera coactiva para solucionar presiones a muy corto plazo, con la consecuencia de monetizar mala deuda, envilecer la moneda y generar inflación de precios, tal y como ha venido sucediendo.

Hay un error de diagnóstico: no es una crisis de liquidez sino, especialmente, de solvencia. Conforme los activos de baja calidad de los bancos comerciales vayan resultando impagados, la Fed perderá la habilidad de expandir el crédito, a menos que pretenda nacionalizar la mala deuda consolidándola en su propio balance. Algo totalmente indeseable, según los expertos del Observatorio ya que si la Fed nacionaliza la mala deuda de los bancos podría verse desprovista de todos sus activos y el billete verde sería repudiado como reserva de valor, dando lugar a hiperinflación ya una redistribución de las pérdidas de capital desde los deudores a los ahorradores.

El Banco Central Europeo (BCE) también ha aumentado el crédito contra activos de mala calidad, por lo que el euro se envilecerá (no necesariamente con respecto al dólar, sino a los activos más líquidos como las materias primas o la deuda pública).

La rebaja de tipos en EEUU no ha surtido efecto porque la insolvencia de los bancos les impide prestarse entre sí o al público. Esta política ha generado un envilecimiento del dólar y, como consecuencia, una elevación de los costes de las principales materias primas y una reducción de los beneficios de las empresas americanas.

De este modo, el riesgo de insolvencia amenaza con trasladarse desde los deudores hipotecarios a la deuda empresarial estadounidense. Tal situación empeoraría aun más la calidad de los activos de los bancos y, en última instancia, repercutiría en nuevos aumentos del LIBOR (interbancario). Además, la deflación inmobiliaria que sufre EEUU no ha hecho más que empezar: la ejecución de hipotecas subprime es sólo la primera parte de un ciclo de ejecuciones que seguirá en de 2009 con la revisión al alza de los tipos de interés de las hipotecas alt-A, y en 2010 con la de las option ARM.

El OCE afirma que en EEUU existen diversas burbujas de activos que pueden explotar en cualquier momento. La acumulación de deuda afecta a distintos frentes: las hipotecas (subprime, alt-A, option ARM, prime y comercial), la deuda al consumo, la deuda empresarial (en forma de bonos especulativos), así como la propia deuda pública.

A estas burbujas hay que añadir la influencia que en la contracción crediticia podrían jugar los mercados de derivados y, de forma más inmediata, los credit default swaps, cuyo volumen se ha multiplicado por ocho en tres años. Buena parte de estos CDS han sido emitidos por las agencias monoline, por lo que la inevitable degradación de su rating conllevará un hundimiento del valor de los CDS y, por consiguiente, de los activos bancarios, quienes se verán obligados a restringir aun más el crédito.

2. Panorama internacional

La contracción crediticia en EEUU afectará al resto de países del mundo, por mucho que algunas voces pronostiquen un desacople en el crecimiento internacional.

Además, la actual crisis no ha sido causada exclusivamente por los EEUU. Su origen radica en una serie de malas prácticas bancarias, alentadas por los bancos centrales y el dinero fiduciario de curso forzoso, que también han tenido lugar en Europa y en especial, en España, cuyas cédulas hipotecarias también se verán afectadas debido al estallido de la burbuja inmobiliaria.

Las economías emergentes serán incapaces de tomar el relevo en el liderazgo mundial de crecimiento, ya que su expansión depende de las exportaciones de bienes de consumo (China e India) o de materias primas (Iberoamerica) a Occidente. Una contracción crediticia en EEUU y Europa provocaría una caída del consumo y la inversión que se dejaría sentir en la demanda y en los precios de esos productos.

3. Perspectivas y conclusiones

El Observatorio considera muy probable un escenario de deflación con inflación, al mismo tiempo. Es decir, un impago masivo de deudas y envilecimiento de la moneda, que se traducirá en una mayor contracción del crédito e incremento de los precios, especialmente, de las materias primas y otros activos líquidos como el oro.

Dicho de otro modo, mientras determinados deudores impaguen sus deudas, otros afrontarán una elevación de costes por encima del aumento de sus rentas, lo que los arrastrará hacia el impago de sus propias deudas.

No obstante, no cabe desechar por entero un escenario típicamente deflacionista ni uno hiperinflacionista. En el primer caso, los impagos de deuda serían tan importantes que las pérdidas de los acreedores disminuirían tanto su demanda como para provocar una caída de precios a pesar del envilecimiento de la moneda. En el segundo, la pérdida de calidad del dinero instada por los provocaría su repudio generalizado.

Tal y como adelantó el anterior boletín, la crisis es inevitable, ya que supone liquidar todas las malas inversiones que se han realizado durante los últimos años. Sin embargo, ciertas medidas sí pueden facilitar el reajuste y evitar que la crisis sea más grave y prolongada de lo necesario. Estas propuestas son, en esencia, tres: reducir el tamaño del Estado, flexibilizar los mercados de factores productivos y regresar al patrón monetario oro con las reservas actuales de los bancos centrales.

Con la primera, el Estado libera recursos que se destinan a repagar la deuda y financiar parte del exceso de inversión anterior; con la segunda, los cambios en la estructura productiva son más rápidos y menos costosos; con la tercera, la moneda detiene su proceso de envilecimiento, de modo que pasa a ser demandada como depósito de valor con cargo a los ahorros extranjeros (entrada de capitales).

# 45 , Madmax

17 de Abril de 2008, a las 11:28.

Me cago to! Habéis visto el Euribor? Invito a todos los cipotecados cabreados que me pongan un negativo para desahogarse…

4,796% SEÑORES, HEMOS ROTO EL TECHO!!!

-1

# 46 , Anónimo

17 de Abril de 2008, a las 11:29.

Está claro, las finanzas están ligadas a la política, a la energía, ……
Lo que no se comenta, y es lo más abundante, … es la estupidez creciente en los comentarios que se asientan en los extremos.
vaya nación de naciones.

-4

# 47 , ingeniero

17 de Abril de 2008, a las 11:30.

#7, manonegra

no veas brujas donde no las hay, yo mismo te he dado un negativo…

… la razón (la mía claro), pues que esto es un foro de economía y tu mensaje se sale del ámbito que aquí se cubre.

Un saludo

# 48 , CaRLoS

17 de Abril de 2008, a las 11:33.

Boletin Informativo de mi banco:

TIPOS A CORTO PLAZO

- Aún vemos riesgos de que repunten las primas de riesgo y, por lo tanto, el euribor a 12 meses puede superar el 4,80%.

- El euribor a 12 meses se relajará pero no alcanzará niveles del 4% probablemente

-1

# 49 , Fausto

17 de Abril de 2008, a las 11:36.

Estos alemanes son la leche, los curritos que les meten unas mejoras salariales que mas de uno quisiera y los banqueros que no quieren efectos de segunda ronda…. no los podrian hechar de la UE????

http://www.europapress.es/economia/macroeconomia-00338/noticia-economia-laboral-trabajadores-sector-quimico-aleman-logran-subida-salarial-44-2008-20080416193742.html

-4

# 50 , Fausto

17 de Abril de 2008, a las 11:37.

#48, CaRLoS

Cuando tienen previsto que se “relaje”??????

-3

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