Zapatero does your shoes?

Hello everyone

Yesterday I discovered browsing the DTT channel Onda 6 in which Alfredo Urdaci has a program called "Crazy about Madrid is a discussion in which Maria Antonia Iglesias, Consuelo Alvarez de Toledo and other journalists.

In this debate addressed the housing problem and was very significant two calls from two Latin American immigrants, explaining his case.

One of mortgage paid EUR 1300 to 30 years with a salary of his wife 650e and 1100e. Had bought the flat 3 years ago and had uploaded the mortgage 400e at that time and almost could not live. And then the man worked in construction. That is not a subprime?

Another was for rent, wondering if he deserved to buy an apartment and told him NO, that the floors were falling down and that he's said a commentator How much? Urdaci asked him, on a 30-40% said the commentator's very safe.

Many did not happen, that we know what fair economy, but it just does not mean that we do not see that reaching the end of the month it costs a little more each day.
Vale is a reason that the rise in the Euribor in these past months. But another big weight is everyday life.
Anyway I hope everyone what we can count on. Good weekend to all and much much much rain.

Want a prediction of the economy?
We can already be tightening their belts because we will not have to go to dieting. They go to about half of homes in which they are made, this will stop the economy and half of Spain will be on the dole, whether called, plumbers, builders, painters, furniture, real estate, electricians, near the center, etc., starting and ending ahi for restaurants, clothing stores, car dealers etc etc. We will not take more than for what justito. We have been deceived making us believe that we were all rich. Prepare for cows very, very thin and very very mad.

Aramis
We should not be so catastrophic.
In order for us tighten their belts does not mean that we all have to jump overboard.
However, who is believed that this was to last 30 years, has deceived himself.
When I signed my mortgage, my bank told me that it would post numbers to see if the accounts with an interest of 5% or 6%.
I thought it went out and we went ahead. I thought that while serving as a short Euribor what saved me.
But money is money, which soon went to jobbies, entertainment as it is now gradually be reduced. It is the law of life.
Many of the sectors that you have appointed a period of fullness because they offered such services. But I doubt very much that a plumber has problems to continue working. I needed a home recently and I found it very much but that someone came to my house, because the little things do not want anyone. It was more interesting ... a new building.
We will have to adapt to the times. But that happens in all jobs, no mistake.
Good weekend to all.

Three men rob a bank in Telde (Las Palmas) and the police arrested a few hours. Took just over € 25,000.
With his face covered and wig, entered inside the office and, after wielding the weapons carried by some of "TOY", warned the customers and workers who pull to the ground. He then gained access to the area in which the cashier and forced him to hand over to them all the money at that time I had available to the public. Within hours they were detained. But the comments of the people were as follows:
1. While banks remain berthed I am not concerned. Ojala banks stole everyday by the thieves they are.
2. The police made a mistake of sausages. The robbers remain at the bank and mortgage interest subiendonos continue day after day.
3. With 2 cojooonnnnes the robbers, while not killing people, who steal all the banks that they can, that puttttos banks to lead robándonos Mogollon us for years.
4. Who robs a thief ... ... ... ... ..
5. But there was still money in Tamworth? I thought that was what had led all previous corrupt members of the council. Faycan refers to the case in which there are charged 50 people, mayor and councilors of the PP Negotiated leaders, officials, businessmen and so on.

It seems that what the € 400 starts deflate. At today's meeting of the Council of Ministers maybe we clarify something.
But it appears that the promised return on income this year is not going to happen. At least the drafts that are coming do not reflect anything.
By contrast, takes the idea that force will be paid in two installments (June and December) of 200 €. Without specifying the means of payment.
If the euro should be regarded more as an income, then we must apply the appropriate restraint for the personal income tax.
That means that net will be considerably less.

Jua. Tomadura that new hair. We returned that as we enter what at the time, to declare it again and again to pay for the same.
How are these econopolíticos! The article said today that Zapatero to your shoes. That is quadrille would be devoted to science fiction. Would fill the rooms, because Rejo and imagination are not needed.

As they join the bandwagon ...

You will see in Spain were the builders of very large companies that caught the sgrandes concessions, medium and small reforms. when it started speculation and exaggeration of the floors and everything that leads to build, there were many people who said we're going to mount a real estate that makes money, and paseabas by my ability and if there was one and one not, we are friends of mine even without nor were mounted an idea of going to be, not what is mee invention, 30 in my city fell to 100 in a short time, all caught chub.

The question that this is not counted as a temporary contract while there is demand all suck, but when there is plenty of the 70 real estate because it aprobecharon the time.

slos banks while giving you an interest of 2.5% and 3 Salia and you see a flat of 40 million to pay a fee the month super low, and if you had no savings had mortgaged everything like you 44 45 million.

nocuenta clear that people who every 4 years on the Euribor rises much you can look past. Not counting that if they went up by 5%% 5,2,3,4 could not afford it, and the time of sale has been acbado.

This is what I said a banker when I was 22 years, told me that you see now is all are frozen like crazy and really in a few years that the bank will hike rates. I say if you already knew that this was going to happen, we knew it, that's like if you're aluminosis sells a house with what you say it is nice but you have no comment on that little detail.

it is clear that they wanted to sell at any price, because if your credit requests sun and tell you not watch 40 million if it rises to 6% by 1600 will be no mortgage to pay 400 now. but no, PARAMI
is a great estafdpr the bank.

I did when I started to calculate the mortgage if I went up to 6% if lapodia continue to pay well, and I said if no more than 4.5 does not rise to what I would answer that if I then climbed over the no was going to pay my mortgage.

Fabric is good weekend!

That penalty ...

I thought that my comments
- # 10, TonySkl with 111 positive votes --
to win
- # 3, Hand H20 with 106 positive votes --

Sometimes these things have the math ...

Such as banks make us with the rounding upward of commissions or some calculations performed with a year of 360 days ....

I was working on a project to a certain bank and annual commissions are calculated on a daily basis. I mean ... example:
- A commission x 100 € a year.
- The daily formula was 100 € / 360 days (30 per month scheduled for me ... eh!) = € 0277 are rounded to 0.28 €
- In addition, we are concerned that the year is 365 days.
- Total who finally left at 0.28 * 365 = 102.2 €

Not much money ... but always good to earn them.

Did you worse? that what they are doing is legal.
Let them take the year as 12 months, 30 days ...

What was said ... is what we have mathematics

Please !!!!!!!!!!!!!
Some want to stop by c ... and go write another side to their miseries? (I refer to issues of language, insults, lack of respect, discussions "momentous" policy, etc, etc )!!!!
Those who go and read this forum we are concerned and interested in our economy, our apartment (mortgage), our rent ... our future! Not to pamplinas that if one presents in Catalan, the other in English and jets that joer type! "Let people do what it's up to you, always respect, and that this forum is to discuss things interesting as it had been until recently!
Health € and love ...

# 11, debodinero.com

To españolitos told us how many banks and funds that calculásemos share with the Euribor to 5 or 6 percent?
The vast majority look at what he had to pay per month period.
Well, thank you very much. They are an important part of the garlic that we have gotten many.

# 14 TonySKl

For me, yours is the winner of the week. Has more votes and its contents seems to me more relevant than mine. I guess the problem will be the closure of some editing time you like my vote had any more. My most sincere congratulations because I think that yours was the best without a doubt. I think Carlos can still be remedied. Repeat. Congratulations.

H20 size for a round of applause. you are an honest adversary, and sports.

# 14, krollian
Now that many banks are not appointed for the possibility of a rise in the Euribor happen, why have some of the responsibility.
But if one assumes conduct a mortgage, has been watching everything very well.
That signatures to 20.25, 30, 35, 40 years.
Not far were thought to the interests 10 years ago ....
I do not know, for example, my sister was paying for a time interest of 12%.
But that did not want to hear or speak. Why?
Well, because he wanted to have a home "decent" place to live, and because of .... These homes "decent" were rising at a speed of vertigo.
Here there are many people involved.
Recognize that it is our responsibility to accept the conditions that we proposed.
It is not my opinion. Or that it created to blame the other eye that is legal but from time to time we have to look in the navel.

Hola a todos.
Indudablemente, la gente no sabe consumir, no tiene educación para consumir, no se preocupa de que lo que compra no este siende fabricado bajo explotación laboral de niños y adultos (Nike, Adidas, Decathlon, Cola Cao, Zara, Bernardo Bertolucci, Versace y perico de los palotes…………TODO. La mayoria de productos de consumo, ropa, calzado, se fabrica explotando a la gente, y claro, el dinero, para el rico. Tengo prohibido a mis familiares y amigos que me regalen absolutamente nada de grandes areas, Corte Inglés, Decathlon, Media Mark, Carrefour……….Que me quieren comprar unos zapatos, a la zapateria de mi calle…..y con la alimentación igual. La verdura a la verduleria de la calle.
Que se consigue así. TODO. Diversificar la riqueza. Crear empleo. Fomentar la iniciativa empresarial, esto es lo que mueve a un país.
Pero no. Todos a comprar al mismo lao. Y el dinero para el rico.
Vamos Muy Mal.

Otra cosilla. ¿No dice la Ley que no se puede dejar en la calle a alguien cunado es un caso de Alarma Social? ¿No es alarma social el caso Roca?
Que se puede esperar cuando no hay ni juzgados ni medios suficientes para juzgar…
Todos sabemos el asunto de no derribar un edificio ya habitado porque desde que se denunció su construcción ilegal hasta que se dictó sentencia pasaron 8 años…
La justicia lenta no es justicia. Lo malo es que para algunos va rápido, rápido ya favor…

Si es que los bancos, el Gobierno, Trichet, el FMI se han aliado para fastidiarnos la vida. Que malos malosos.

Una fábula.

En estos años, cuanta gente se ha hipotecado pidiendo más del 100% del valor de tasación de la vivienda (valor ya sobrevalorado de salida) y ha estado viviendo de maravilla porque todavía tenía las tarjetas de platino u oro para poder seguir financiando las vacaciones, salidas a cenar o compras diversas. Han sido los “listos”, que no inteligentes, los que sabían disfrutar de la vida. Son las cigarras.

Mientras, otro grupo miró más allá y previsoramente no pidió ni el 80% del valor de tasación de su vivienda, siguió con su ritmo de vida o incluso lo ajustó, ahorró algo, no quemó sus tarjetas de crédito y buscó la forma de mejorar su hipoteca (pagos adelantados, cambio de entidad en la que estaba la hipoteca, renegociación). Son los “tontos”, los “agonías”, los que no saben disfrutar de la vida. Las hormigas.

Ahora las cigarras protestan indignadas cuando no pueden hacer frente a sus responsabilidades, piden ayuda a todo el mundo, otros se tienen que hacer cargo de sus deudas. Les han engañado cuando firmaron la escritura de la hipoteca, desconocían que tenían un tope de interés a pagar del 20% y que el euribor iba a subir tanto. Ahora se dan cuenta que las tarjetas platino y oro hay que pagarlas también. Sufren cuando van a su banco y les dicen que no pueden ampliar la hipoteca porque su nivel de endeudamiento es del 80% de sus ingresos brutos. ¿Qué ha pasado?. Con un endeudamiento del 50% o 60% el banco me daba más, contrataba un nuevo producto y todo solucionado. Si el banco era mi amigo. Esto no es justo. No quieren dejar de irse de viaje a Madagascar cada verano. No renuncian al Parador cada mes, necesitan relajarse de todos sus problemas. No pueden decirle a sus amigos que no a la hora de ir a cenar al restaurante de moda. ¿Y la ropa?. Esto no puede ser así, ellos se lo merecen todo, se merecen vivir cada día mejor, se merecen más.

Las cigarras también se olvidan que cambiaron de trabajo atraídas por la llamada del dinero rápido y fácil. Dejaron sus trabajos “pequeños” para embarcarse en las grandes corporaciones. Por ejemplo, el fontanero que iba de casa en casa aguantando a las amas de casa, pasó a dedicarse a poner tuberías en los edificios en construcción. Ahora tenía su cuadrilla propia. Ahora mandaba él y trabajaba cuando quería o le permitían sus otras ocupaciones. Y como el nuevo sistema iba a durar eternamente, para qué cuidar a sus antiguos clientes. Ahora que ha tenido que despedir a su cuadrilla y volver a ofrecer sus servicios a las amas de casa, resulta que son gente rencorosa, no le llaman, no tiene trabajo, con lo bueno que ha sido con sus clientes. No hay justicia.

Las hormigas han seguido creciendo dentro de sus posibilidades, siempre mirando al futuro. Se preparan para el mañana, que llegará. Han ajustado sus necesidades. Han disfrutado de la vida dentro de sus posibilidades. Se han ido de vacaciones siempre que han podido, pero no tienen las tarjetas platino u oro, tienen tarjetas de débito o una de crédito que pagan al final de mes. Se han comprado un vehículo acorde a sus necesidades y posibilidades (los habrá que se hayan comprado un BMW y otros un Dacia). Han permanecido en el trabajo, creciendo dentro de la empresa, o han buscado mejorar en empresas que consideran consolidadas al margen del sector “estrella”. Han pensado las inversiones económicas muchas veces antes de realizarlas. Ahora se encuentran en una situación cómoda. La crisis llega, pero podrán capear el temporal. Nadie les va a tener que ayudar. Tienen las cosas claras, tienen el 35% de sus ingresos brutos comprometidos en deudas.

Como en la fábula, al final las cigarras se mueren de hambre y frío, si no las ayudan, por no ser previsoras. Pero … ¿y lo bien que se lo han pasado?.