Few and far short of many

To give you a little variety to the blog we will have invited authors once a week will write the article. Now it's up to "Oriolrc" a habitual reader of reviews of the area (under another pseudonym).

Everyone knows by the low level of financial culture that we Spaniards, but in recent years was not worrying because everything was wind in its sails. Now that you see the wolf ears and began to feel in our bones break the consequences of the world, injured in Spain for financial abuse committed, we see that it was not unreasonable to dedicate part of our time to instruct a pelín in the art of the numbers.

As you can observe is a matter of preference, since according to the latest report of televised hearings of the Multimedia Group Corporation, the Spaniards we see on TV 223 minutes per day, which is 1350 hours a year. Given that the degree of economic consists of little more than 300 credits (3,000 hours), in just over two years we could have completed such a degree. It seems clear that the Spaniards until today we have been concerned over another type of credit.

Obviously it is not necessary license to perform a healthy financial planning, one need only be informed and not blindly believe what others do or say. Conformism and the herd is the attitude that favors more power and those who move the wires. Maybe we should have been more critical of the model that we were selling. The branches that no longer see the forest we are running out of leaves before the arrival of the "autumn economic" and began to take a bit of perspective about what has happened here.

Despite all this, what is not good for learning, just learning by crook, as estimated by the National Association of Financial Institutions Credit (Asnef) The credits or personal consumption fell by 30% in Spain until March.

Could it be that this is imposing the Pareto Principle? As we read on Wikipedia:

"Pareto observed that people in their society was divided between the course 'little much' and 'many little", and thus were divided into two groups of 80:20 such proportions that the minority group, made up 20% population, holds 80% of something and the majority group, comprising 80% of the population, 20% of something. ...

... It described how a population of approximately 20% holds 80% of political power and economic wealth, while the other 80% of population, which Pareto called "the masses", was divided the remaining 20% of wealth and had little political influence. This happens at about the distribution of natural assets and global wealth. "

Then:

Is the 20% of Spaniards gathers 80% of the national economic resources and the other 80% we give out the crumbs?

Is the 20% of Spaniards are what have led to street 80% of the profits they have generated in recent years of economic growth?

If we had known before the sr Pareto maybe we would have seen that it was impossible for all of a sudden 60% comprásemos vehicles and high-end single-family houses, and that if this happened was only to benefit the 20% (the usual).

As for the usual summary of news we highlight the following:

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Written by Oriolrc the April 28, 2008 with 188 points.



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188 reviews

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# 1, Carlos Lopez

April 28, 2008, at 9:31.

Welcome, Oriolc ;)

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# 2, TRANCHETES

April 28, 2008, at 9:38.

We are coming to 5% of the Euribor, and that he was going to fall 4% in 2008. That disaster, that disaster!.

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# 3, Isolde

April 28, 2008, at 9:39.

Ayyyyyyy Carlos Lopez, the most voted on Friday, will now write and others ... who do not know pa Curran least jajaja: P, ke luck yours.
Ehhh is a joke. That there are very sensitive by the Board: P.

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# 4, asterun

April 28, 2008, at 9:42.

Hey, you get a doubt that I have with the plus value (the put him in another forum and nobody answered me)

Hi, my writing house in January and I have a clause that I have to pay the value. I have been reading on the internet and I saw that this clause is misused, that the new law becomes null and void. My promoter has not yet asked me but I would like to send a burofax negándome to pay citing the law. Does anyone have a model to send? Or you can guide me in what I put? Thank you very much.

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# 5, Dr.Divago

April 28, 2008, at 9:45.

Well it seems that the "very few" also weighed the crisis.

http://www.expansion.com/edicion/exp/mercados/es/desarrollo/1116610.html

A Amancio Ortega, Esther Koplowitz, Luis Portillo, Jose Manuel Entrecanales, Rafael del Pino and Gabriel Escarra they are not easily forget the word subprime. In just nine months, the heritage of these six major stock market investors Spaniards has depreciated more than 10,000 million, 1% of GDP Spanish.

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# 6, Carlos Lopez

April 28, 2008, at 9:47.

# 3, Isolde
You have every reason in the world, crossing Curran 5 days to just 3 :)
Too bad you can not do the same in my real job ...

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# 7, euribortarra

April 28, 2008, at 9:48.

On Saturday, first day at the beach in the Basque Country, where we could see the effects of the crisis in the population ... mortgaged to the majority of women between 25 and 40 years (age "mortgage") will not arrive for the 2 pieces of the bikini! !!!!!!!!!! This year more than ever.

Ironic mode

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# 8, Mano H20

April 28, 2008, at 9:50.

It seems to me a very good idea C. Lopez. Congratulations. My welcome to Oriolc.

Changing the subject. What is the history of sunflower oil this weekend?

How can launch from a recommendation of the Ministry stop using sunflower oil and not give a single explanation? Then the minister is going to order so richly.

If it finds that there is a health risk are given all the necessary explanations.
If there is no risk, no alarmism generates free.

Spanish producers of this type of oil should be happy. In Spain we have several experiences that can make us cautious: rapeseed oil, mad cow, and so on. (and we know that the scalded cat flees from cold water).

Is it a way of changing oil prices? It was paralyzing consumption increases the stock prices fall. Or vice versa?

In Nazi Germany rose if the price of eggs, was issued a bulletin on the radio "recommending" all citizens not to consume eggs for two days. He then fell sharply the price of eggs. And matter settled.

Do not consume if you until we know something more.
Well, no problem, it can consume, and shall say something on Monday at 5pm.

The 80-20 rule is known for some time. In Venezuela, I think the rule is 95-5

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# 9, minieurista

April 28, 2008, at 9:50.

# 3, Isolde
That speed by God! I've removed from the mouth to see if I was in my Curro can do the same on Monday that a curre by my guest, on Fridays I leave the employee of the week to make half the Curran, but only half eh !. Let's see what you are going seas through Thursday, the same can propose a contest of ideas.
A bit of humor with which it comes above and beyond this weekend above 30 degrees, to work with this heat.

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# 10, Isolde

April 28, 2008, at 9:51.

euribortarra, nor will give us to eat, so that all thin, beautiful and desnúas, what more do you want? mmmmmmmmm ... .. the guys not to get bathing suits and long will have to use minibañadorcitos? UIS, but outside these brewers belly ehhh : P CRISIS FOR ALL! jejeje.
Greetings

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# 11, Villa

April 28, 2008, at 9:54.

Very good day at all,

A preguntilla, to see if anyone doubts that this resolves me will not let me sleep, which I think the bank is still deceiving me more ..

The monthly fee is estimated to me that the same calculation myself, but the share for capital is lower than what I calculate, it may be possible? Or all banks to follow the French method, should be the same shares?

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# 12, Solvent

April 28, 2008, at 9:58.

I too want a Cayenne.

On Friday I had days of affairs in the trabajo.Una pregnant colleague asked me to please accompany the inspection médica.Sandra, is pregnant for 8 months and a half or 34 weeks for women readers will understand better that way.

Well because we are 3 times he has had to show the girl on the orders of a Burofax in which he gave 48 hours to travel 90 kms to see if the examining doctor believed that what was underneath that shirt anchísima was a baby and not a cushion.

Her pregnancy was high risk, that if the stains of implantation, that if the placenta previa ... mmmm ... what is learned in 90 kms from a mother in love with this little thing that grows inside ...

Well I do not want rolled mucho.Al arrives at the building in question and after two underground car parks until the buffers were able to park next to a Porsche Cayenne (I think it says so) in a reserved handicapped.

Once inside a waiting room like a cinema, 4 wheelchairs, crutches and a host of no less cabestrillos.Después of 1 hour you get to spend my partner and 5 minutes was already out. "Yes madam, if .... (I said to him says the Inspector) "You really is pregnant and is not counting ..."

Back in the parking lot and after a copious breakfast by the "preñailla" back to the car, and we encounter in the elevator with 4 crutches, 1 wheelchair and two people using the tools ... which is my admiration to walk on foot arrived until my car and they have a "piu,,,, piu 'Porch off the alarm.

The drop out of the crutches in the back seat, and the call of the chair "Lazarus", gets up, the folds, puts it in the trunk, go to the cashier lighter than me in my time waiters, pay the ticket and is mounted in such a stunning black bug, 15 milloncitos.

Dear friends forgive for the roll but these people well, makes you really are incapacitated or parental leave are investigated ad nauseam and once again paid a fair sinners ...

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# 13, Esparver

April 28, 2008, at 9:59.

# 8, Mano a two-H20, or the incompetence of the high officials of the kingdom is greater than the reasonable or trying to hide something (do the details of the strike?).

Like the two things. Like the other explanation is correct ...

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# 14, Dr.Divago

April 28, 2008, at 10:03.

Expansion.

09:55 Trichet argues that the current rate policy helps to stabilize prices

The president of the European Central Bank (ECB) has insisted on warning about upside risks to price stability over the medium term. At this point, he stressed that the current policy on ECB interest rates will help stabilize inflationary pressures.

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# 15, ANO-Nimo

April 28, 2008, at 10:03.

Hello everybody,

On this news:

The effort to buy an apartment is already the highest since 1995

To me this is misleading because it speaks of "gross annual income available"
the difference is how many years you need to pay the mortgage. Buy a flat for me has always been a financial monthly for families, the difference is how many years of effort is required, 10, 15 ... 50años and that is what has grown a lot.

Are we now to 5%?

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# 16, sirialuna

April 28, 2008, at 10:05.

Regarding what's sunflower I feel very strong, if you know the smarcas the point and say, no harm now that the whole industry .. and that's the problem generalize create alarmism and then said no ... but ... it can consume or one or the other ... but good if you are not able to extricate d ela crisis in which we have gotten as they have any problem if you do not nor are able to see it.

instead of taking urgent measures to try to damage the crisi collateral is less concerned with the least important ... .. give me bread and tell me silly

That is not the worst thing is that when you start to lose money who are going to get more tothe pasta is always unhappy workers,
in which I include myself.

and the worst is what we were transmitted on TV that compares us with countries worst (the situation) to us to say that we are not bad, it happens that a lot of consolation consolation of fools.

Look now and has not left a single story of what has uploaded the Euribor, gasoline, ect ... that we are quiet ...

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# 17, Breogan

April 28, 2008, at 10:08.

Without seeking to be poorly ominous, the day will be today from 5% - $ 120?.

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# 18, cojonDsastre

April 28, 2008, at 10:17.

Times of Crisis. Opportunities times.

Yes, I confess, I was convinced "nuncabajista." Yes, I confess, I ducked into the bubble-headed ...

You tell me. After several months (early 2007) looking flat and not watching more than hovel for more than 40M, in June last year I got together with my girlfriend in an apartment of 48m 2 bedroom apartment in the neighborhood of Teatinos in Malaga (new zone expansion). Flat modern, first grades, detallitos by all sides of the sponsoring Habitat. Very expensive, but it was the same. The floors always go up!

Approximately in November, the first disappointment. "Habitat at the edge of the composition" saying in El Pais. Cold sweat, doubt, but what have we done ...?

After many doubts, new polls on the market, and so on. We have decided to leave for the purchase. We lose money, but a great evils, great remedies.

Today we have laid eyes on another floor, in the street next door, 4 bedrooms and 37'5M. 2nd hand with 15 years but very good condition (and with the size they did before the floors, much larger). Mortgage 35% of our revenues in the Euribor as it is.

I am writing this personal speech "in order to show that times of crisis are also times of opportunity. I regret very much who is immersed in it. I regret very much who is suffering from the rise of the Euribor pq threw no accounts in his day. But I think that if things are not much more chaos, all this is going to come good. Need for an adjustment, and it was time that banks return to the path that never should have left the "80% taxation, borrowing 30% -40%.

They also say that as we say around here ... "Neither bald or three wigs." Anyone hoping to return prices preburbujiles, sat to wait. As the Euribor down a bit, note that when the crisis will do more, the drop in prices will stabilize. Anyone who sells pq is now being pillaged. Others expect better times.

A greeting.

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# 19, ANO-Nimo

April 28, 2008, at 10:25.

It seems that immigrants either buy more flats in the coming years:

IMMIGRATION | Imprint EFFECT
'In Spain there is no future. We're going '
Hundreds of immigrants return their flats mortgaged to the bank, unable to cope with debt. It is the first step before returning to his country. These are the stories of some who decide to leave. Now comes the stampede effect

http://www.elmundo.es/suplementos/cronica/2008/653/1208642402.html

I downloaded dizzying price

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# 20, Euribor up up!

April 28, 2008, at 10:27.

Good morning countrymen!

To this day I ask God only three things ...

1) The Euribor reaches 5%

2) The oil reaches 120 U.S. dollars / barrel

3) God's Will!

They are just wishes ... I respect yours ... respect the same!

That we are all entitled to dream of a better world!

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# 21, krollian

April 28, 2008, at 10:31.

# 18, cojonDsastre

Those who are endangered are those who lose 18,000 euros for not get into a "fregao" 300,000 ... when their situation is to get into a much as 200,000.

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# 22, SirJuan

April 28, 2008, at 10:32.

# 20, Euribor up up!, Dammit, I understood the reasoning of the Euribor to 5 (though a bit caught by tweezers ...) but want the oil to 120 is new for me ... you like paying more for things or just win of the corporation is' solidarity 'and will take as much ass as a hired mortgaged? xDD

And on the third ... esque does not like me very well, could not allocate another? xD

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# 23, hipotecaohastalamedula

April 28, 2008, at 10:37.

Well, it has nothing to do with the comment, nor with the situation as "black" we live in, but .. I got a joke to mail and I want to share it, is Monday, week cortita bridged by the half and today I feel "happy" ... So there goes .. and I say that is just a joke ...

INTERNATIONAL CONGRESS OF ADVANCED MEDICINE:

... .... "Medicine in Israel, is so advanced that we'll get a kidney to a person, we'll put in another 6 weeks
is already looking for work. "

... "In Germany you get a lung to a person, we'll put in another 4 weeks and is already looking for work."

... In Russia, medicine is so advanced that you get half a person's heart is the place to another in 2 weeks and both are already looking for work "

"... Nothing to do. All of you are long overdue. We here in Spain took a man with no brain, no heart, no eggs, it came as Chairman and now ... All Africans, South Americans and others are seeking work in Spain ... "

Good day!!

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# 24, true

April 28, 2008, at 10:38.

What's oil, would not be to plug the figure of unemployment !!!!!

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# 25, krollian

April 28, 2008, at 10:41.

By the way. Yesterday in the Courier had 5 pages devoted to bajadita floor. What happens is that when something goes in the newspapers, some already knew from the news long ago. These are called castizamente "Enterao."
What is not whether or penalty if laughter is what some still calling for his zulo. Those who do not know if and then I got a headache.

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# 26, Isolde

April 28, 2008, at 10:45.

# CLopez
Insinuate that this is not your real job? Ahi God, that's why this forum started, you pluriempleado to pay for your apartment? lol : P
Ais, I thought that you engaged with us in body and soul and I love food of all burbujiles, mortgaged, leased and all the good men / women (parity above all) that go into the forum : P lol.

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# 27, nefernef

April 28, 2008, at 10:49.

IN truth is that this weekend I have spoken with many people on the rise in unemployment in 250,000 people (which I find absurd), and no one had learned. Otherwise if the oil, and I have talked about them ...

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# 28, Mi007

April 28, 2008, at 10:49.

# 16, sirialuna
I'm going to stop using sunflower oil for a long time ...
and the worst are the politicians, they recognize that it is toxic but that does not affect .... jaaaaaaa
is like saying you have curare but as the amount is negligible not affect you, but good for my remains curare
Beijos.

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# 29, Font

April 28, 2008, at 10:50.

"Upside risks to price stability over the medium term"
Who said this will have?

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# 30, Font

April 28, 2008, at 10:51.

But there is nobody to take care of turn the tape to this guy?
:)

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# 31, jlumietu

April 28, 2008, at 10:52.

Yesterday, feature on the hostión (who calls him and landing) diariovasco.com in real estate. Among all, various articles:

- The story of a young girl in very fucked, but she says that happy to have their little piece of brick ... caught in a hiccup bridge, collects 1500 and pays 1800 ... As soon as it seized? Http://www.diariovasco. com/20080427/al-dia-local/gano-euros-ahora-debo-20080427.html

- Paradigm's nuncabajismo, the chairman of the API Gipuzkoa said today:
http://www.diariovasco.com/20080427/al-dia-local/demanda-volvera-cuando-bancos-20080427.html

Of course I no longer believe him much, because it is one of the experts several months ago, specifically the 25/11/2007, forecast a rebound in 2008:
http://www.diariovasco.com/20071125/al-dia-sociedad/vender-piso-usado-gipuzkoa-20071125.html

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# 32, madmax

April 28, 2008, at 10:55.

Good morning,
I think it was Oscar Wilde who said: those who were not interested in politics end up being governed by those who are interested if ...

# 18, cojonDsastre
April 28, 2008, at 10:17.
Well you do ... I have the housing savings account and if this continues next year
(which is my turn to buy) return all the money I've desgravado. You better a withdrawal on time ...

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# 33, JAVIER

April 28, 2008, at 10:57.

and is less to tell if the Euribor + or --
What chungo?

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# 34, anytonio

April 28, 2008, at 11:01.

q official website in the Euribor is published? thanks

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# 35, Anonymous

April 28, 2008, at 11:03.

http://www.kauppalehti.fi/5/i/porssi/korot/korko.jsp?intid=KOR_EUR12M&days=7

The Euribor is the one year = 12 kk

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# 36, Anonymous

April 28, 2008, at 11:05.

# 34, anytonio

http://www.bsmarkets.com/esp/doc/contents/mainEURIBOR.htm

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# 37, Anonymous

April 28, 2008, at 11:05.

MEETING 28/04/2008 11:02

Middle type
Euribor Week 4.266
1 Month Euribor 4.386
Euribor 2 Months 4.605
3 Month Euribor 4.848
6 Month Euribor 4.881
12 Month Euribor 4.963

25/04/2008 Eonia 4.056

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# 38, Mi007

April 28, 2008, at 11:06.

# 31, jlumietu
what this girl is amazing ... his motto should be speculating and conquer ....

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# 39, cheuribor

April 28, 2008, at 11:08.

hopefully this is the beginning of a big drop!

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# 40, Iñaki

April 28, 2008, at 11:10.

Coming down jajajajajajajaja fall from very high jajajajaj

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# 41, axa

April 28, 2008, at 11:11.

Nimi Viim. Muut
1 VKO 4266 0011
1 kk 4,386 -0,001
2 kk 4605 0001
3 kk 4848 0001
This alone pardon
4 kk 4859 0002
5 kk 4870 0002
6 kk 4881 0000
7 kk 4,891 -0,002
8 kk 4,905 -0,002
9 kk 4,920 -0,004
10 kk 4,931 -0,004
11 kk 4,946 -0,003
12 kk 4,963 -0,001

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# 42, Attila, King of the year

April 28, 2008, at 11:11.

So that, # 23 ... hipotecaohastalamedula the blame for all your ills is the ZP and immigrants.

Euribor, burn them all!

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# 43, FLIS

April 28, 2008, at 11:14.

When a man or a woman want to do something in life the first thing you have to do is where I want to get there and what I am prepared to give to achieve it. This government does not know where we are or where we are going to either (or do not want us to say). During the past eight or ten years we have lost the opportunity to become something economically, for it had to invertirtodo the surplus that we were creating and not with nonsense like (rising pensions, 210, 2500, historical memory, vacations elderly, etc.) , And as we have now is it because we thought we were rich and we are very poor. In 1996 Spain received European funds and that helped us to create wealth but now it's going coming to an end So now we expect a good one. We are going to have to cut that much social policy and I am wrong but I think there will be reduction pensions and four million unemployed before 4 years. Good luck for a liar.

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# 44, ANO-Nimo

April 28, 2008, at 11:16.

Quiet, nothing happens, the monthly average continues to climb.

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# 45, Charles Nases

April 28, 2008, at 11:18.

Those who votasteis Zapatero to now do not complain, dammit.

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# 46, WILLY

April 28, 2008, at 11:29.

Hello everyone .-

For each item that comes down the dollar, an increase of $ 4 in the price of oil ...

The president of OPEC says it does not rule out that the price of oil reaches $ 200.

Will it be a result of "skilled movements" made by the enlightened who control for the convenience, the Pareto Principle?

The best thing is to come.

With these prices, who is going to give something to buy milk to the poor Berta?

Good morning ... and good luck.

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# 47, Engineer

April 28, 2008, at 11:33.

# 45, Charles Nases
[so ironic ON]

Sure, sure that if he had left Rajoy today there would be no crisis, the Euribor was at 2.10, the crude oil to $ 50 U.S., unemployment at 5%, etc, etc, etc ...

That analysis capabilities, you're economic analyst, right?

A greeting to all those whose IQ> = 90, the rest keep going to Mass on Sunday, voting to Aguirre and believe that what the M11 mounted with 2 ZP fellow Basques while planning to climb as the Euribor and put the oil to 200 $

[ironic mode OFF]

Luck to all who need it

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# 48, WILLY

April 28, 2008, at 11:33.

# 45, Charles Nase

I suppose you want to say, "Do not you quejeis"

If so, I suggest you tell her, including those who had voted PP.

Or do they think this began 4 years ago?

The simplification, another feature that helps those who are part of the sector thin (but with loose pockets) of the Pareto Principle, in his crusade against the other sector, "the pocket of the strait."

That we do not learn, hey.

You have luck, Nase.

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# 49, WILLY

April 28, 2008, at 11:35.

Charles nase ...

In what date "nase" Carlos?

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# 50, hipotecaohastalamedula

April 28, 2008, at 11:38.

# 43, Attila ..

It's a joke .. a joke ... not even my words, if at this point we have lost the sense of humor seems to me that you have more problems than me.

Now seeing this I claim:
Somebody somewhere knows the joke is not getting: A. - with drunks, B. - with Leper, C. - with women (men if you change a little joke) D. - immigrants., E. - Political F .- Guards corps of the state or civil G. - officials

Sure there are, but I at least do not consider myself or racist or xenophobic, I'm not going against the officials by how well they can live or the civil guard by many fines that put.

What we can be is the sense of humor. When you lose, you're antibático, nasty, irascible, I as yet do not want to be, I will continue counting jokes.

Atila a greeting, and relax a little, it still is Monday, evil will lead the rest of the week beginning ... asino.

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