Manilkara zapota

Chicle Manilkara zapota is the tree whose sap is got gum for chewing gum. Although we may seem an invention of the 50s, is known of their existence for over 9000 years. While he was in 1871 when it was marketed the first chewing gum in the United States. Its price was 1 cent on the dollar and sold in major pharmacies in the country.

One of the leading brands of chewing gum is Wrigley's, founded by William Wringley, the type of employer made himself and which started with 13 years to sell soap that produced his father and set up his factory with 29 of chewing gum, Theirs is the idea being put up for sale next to the cash register for restaurants

If that was not enough, in 1915 had occurrences of the daring mail three tablets of gum mint to all persons who appeared on the phone all the cities of the United States. The success of the idea earned him first place in sales for long.

We are not talking about a small business, let's see some data:

As you can see, this is a business and an American icon (although like many of his icons, not invented).

Recently, we talked to the richest man in the world (Warren Buffet) said it had money to spend but not finding opportunities, which we did raise doubts about whether the crisis really is liquidity, or as trustworthy. Something must have confidence in chewing gum as it announced yesterday they would buy a significant portion of Wringley with the help of Mars (those of M & Ms).

As you can see, there are a multitude of businesses in which refuge in a crisis, not all banks, builders and realtors. Life goes on and on the market can still find attractive investment opportunities.

However, he had to talk to Warren and said yesterday that the U.S. economy is in a recession, moreover, "will not be short nor superficial." And such, as you know, trust me.

"I think the definition of the common man differs somewhat on whether there are two consecutive quarters of negative GDP growth," said Buffet, who stressed that the U.S. economy is in recession, unless one wants to stay glued to the strictly technical definition, which in his view "does not have much meaning for anyone who has lost his job (...) I think consumers are noticing the prices of fuel and food and not feel that money on other things."

That is why it has. What do I take that Spain will grow by over 2% if the prices are sky high and rising unemployment? Would not it have to redefine the concept of recession?.

Today we have two good economic indicators, on the one hand the granting of mortgages:

During the month of February, the average amount per mortgage was formed in 169,320 euros, 4.8% less than in the same month of 2007 but 3.6% higher than in January 2008, according to the latest figures made public by the INE (National Institute of Statistics). The biggest decline occurred in the farm, with a fall of 36.85% year, while in the case of mortgages on residential property consisting of the amount was only 0.79% lower compared to the same month of 2007, and a 4.32% more than in January.

And the other The HICP Spanish low four tenths in April (4.2%) to its lowest level in five months. At least, something had calmed down prices.

For those who do neither them nor has the crisis, despite all that is mounted to the Spanish banks, today we have to Santander, who won 2206 million in the first quarter, a 22.4% increase.

To end financial results that may have an interesting reading: Visa earns a 49% increase in the first half of its fiscal year.

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Written by Carlos Lopez on April 29, 2008 with 204 reviews.



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204 reviews

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# 1, Isolde

April 29, 2008, at 9:31.

Let's see if today being the last day of the month Euribor gives us joy and a low muuuuuuuuuuucho:).
¿¿Indeed, yesterday said Mr President on the economy? But I just want to know the economic PLIS, I do not want the cheap politicking "and you anymore."

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# 2, Euribor up up!

April 29, 2008, at 9:33.

C_loperos Good morning!

First of all I will say that today I am the first to write because I had it ready ...

Yesterday we were discussing the Pareto Principle ... that if 80% of the population has 20% of the wealth and, by contrast, 20% of the population has 80% of wealth.
In my opinion, the principle proposed by Mr. Pareto, is produced in Spain in a "unique" in the global world.
Let's see what you think the principle which I have taken out of his sleeve ... My principle is llamaaaa ... "THE BEGINNING OF THE PALETTE." Tacháaaaannn!
And I am going to explain what my economic assumptions ... (positive or negative vote as he appears)

Main points of the PRINCIPLE OF PALETTE (to meet minimum requirements to be produced):

1) Great concentration of pallets per square meter (we all know who I mean and what are its characteristics).

2) There must be an education system Pesimo (and poorly for a long period of time).

3) Existence virtually no investment in technology and R & D (only bet for that FOREVER ... brickwork rises !!!).

4) Monthly salaries that follow the rule 1000/3000. This rule says that people with training (graduates, diplamados ...) should have salaries and mileuristas people do not formed (EGB, ESO, and little more ...) should have tresmileuristas salaries.

5) ignorance of financial HIGH LEVEL (typically occurs on pallets to get into high-risk financial products, either because they are high-risk type ... the BAG, either by the vast and largely lonjevidad amount of interest (above variables to finish off the topic), as the MORTGAGES).

6) Effect PSEUDO-WEALTH PSYCHOLOGICAL. This occurs when we sell something (our floor) got more than it really is worth (10 milloncicos pesetas "porqueyolovalgo") ... then we believe we have TIMADO someone (the purchased) ... but from what we realize is NO NEXT TIMADO that will be him (when buying) ... This effect is like a plague that spreads very rapidly among pallets and it is only possible to tackle ... named by injection EURIBOR.

7) The illness of 4 × 4. Aparecea these symptoms in anyone who has gotten into such things as CIPOTECA the 4 × 4, PLASMA TV, HONEYMOON, COST OF MARRIAGE, FURNITURE ...

8) Attitude of "I AM HAPPY TO HAVE ITS FIGHT FOR MY HOME." Symptom of which only knows the verb GET and believes that she will live INFINITO. Do not realize that life is four days ... and three of those days will be spent paying for a house that is overstated. Then they die and they will leave their children (if you have ... because if you do not have it is the STATE ...). These children will sell quickly and will be merged JUERGAS what their parents both FIGHTING FOR TAKE.

8) PUPPET government. This type of government is characterized as directed by BANKS, powerful and wealthy interests them according to these. This is squeezing the people so as not to notice or account. How? Well, with all credits granted to catch over 30 years ... and over the cipotecado TAN happy and proud to spend their lives paying yachts and villas on the basis of letters mileuristas! And the fatter ... DOING PUBLIC saying "I'M HAPPY BECAUSE I AM HONEST AND RELIGIOUS PAY MY POINT." These are hypnotized and do not see what they are doing ...
(please, and Atila Fyahball ... hacednos wake of hypnotism ...)

Well, that's all my friends ... this is PRINCIPLE OF PALETTE.

If you realize ... there is only one country in the world that can happen ... and GREATER EJPAÑA is! ! ! ! (as would Fiti Los Serrano).

And God's Will ... (if it still is)

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# 3, cojonDsastre

April 29, 2008, at 9:36.

The president of OPEC expected a drop of $ 40 oil prices if the dollar is revalued by 10%

Trichet, do you need to tell you more clear?

Lower rates Europe => Up to $ relative € => Lower Oil => Lower inflation => Lower Euribor => Up consumption => GROWTH

PS Do you know if there are elections to the presidency of the ECB?. I introduce myself by ... ;)

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# 4, Fran

April 29, 2008, at 9:39.

# 3 I've put myself in the tb yesterday. This guy (Trichet) of truth, or an idiot, or you do, or really is the alter ego of Bush and we want to desfondar q no mojemos the courtyard to the Yankee

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# 5, Reader

April 29, 2008, at 9:43.

And what you think of that Itinere reverse its output to bag?
International investors did not want to pay or the minimum price ... ..
As said the low blows .... "BAD TIMES FOR THE LYRICS" or rather to the bag.

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# 6, jdx

April 29, 2008, at 9:44.

Trichet this is a huge %&/·"! 2 @ and a bloody ?=)("!!!|||" 2 @ #
aq expected to lower rates !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !
and then goes on the Euribor !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!
Trichet, the beam event at the evidence, not your obsession!

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# 7, 400

April 29, 2008, at 9:45.

Chicle.Lo invention of the good that we did not know most is that chewing gum thrown to the ground takes 5 years to degrade and disappear.

There are billions of pesetas which are spent municipalities around the world to clean up the streets of chewing gum.

It costs 3 times more to clean up a gum left in the city that its purchase price.

After all this roll tell you that my favorite is the one who is inside the candy's Chupa-Chups Koyac.

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# 8, ecam

April 29, 2008, at 9:45.

Good morning,

At 1000 LT will have more data, but as a breakthrough point out that the net profit for the first quarter of Santander have risen by more than 22% compared to 2007. That is, more than 2000 million euros of profit. The greatest benefit in a QUARTER HISTORICAL this entity.

The sluggishness is growing but does not reach to 1.2%.

Self explanatory.

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# 9, Concerned

April 29, 2008, at 9:46.

# 1, Isolde

The last day of the month today? What happens tomorrow, no one does not work? :-)

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# 10, krollian

April 29, 2008, at 9:47.

While ZP said no problem, I think that falling consumption could also influence that lower inflation. How do you exit a stock qe accumulate dust? Lowering prices.

This forum does not recommend the movie Arcadia of Costa-Gavras. 2005. Describes the status of an employee who takes the most coercive measures. Totally recommended.

Drunkenness also cites the film of power by Claude Chabrol. 2006.

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# 11, Solvent

April 29, 2008, at 9:47.

# 7, 400 €'s me ....

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# 12, fafx

April 29, 2008, at 9:48.

Appear at first ... dead parrot with where you've got the dough!

The list of entities which have been downgraded ratings: Caja Insular de Ahorros de Canarias, Caja Rural Cajamar

The entities that in addition to lowering the review have been changed the outlook from stable to negative: Caja de Ahorros de Avila, Caja de Ahorros y Monte Piedad de Segovia on.

The boxes whose qualifications have been reviewed for a possible cut: Caixa Catalunya, Caixa d'Estalvis Tarragona, Caixa d'Estalvis Terrassa, Bancaja, Caja de Ahorros Mediterranean (CAM).

http://www.20minutos.es/noticia/373960/0/crisis/inmobiliarias/cajas/

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# 13, moloMUCHO

April 29, 2008, at 9:50.

I am outraged:

1 .- In view mourn people who, being mileurista, it has "gotten" (now, thankfully, the banks have closed the tap) at € 300,000 flats because "to buy an old, and expenditure on reforms, I am going a new one. " I could not buy a new one, I bought a second hand, I slowly fixing and, even with this Euribor not get to 35% of indebtedness.

2 .- In view lying to the commercial real estate to sell you something. The other day I saw one that said its clients that "are not going to fall over" the flats have a drop ceiling "are already very well priced." The floors have to get off so people can buy those and there are no more. NOT NORMAL to a flat ten years ago was worth 3,000,000 pts now worth 50,000,000.

PS: I am a fan of Attila ... how many truths say ...

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# 14, madmax

April 29, 2008, at 9:55.

Good morning,
The president:
"The chairman of the Government rejects that there had been" misled "about the economic situation"
and further inflation will start to decline "and"!
Well, there's nothing to worry about, then.

Source: http://www.ecodiario.es/espana/noticias/506416/04/08/El-presidente-del-Gobierno-rechaza-que-haya-habido-engano-sobre-la-situacion-economica.html

"The sale of housing collapses almost 25 percent in February"
Source: http://www.libertaddigital.com/noticias/kw/construcion/crisis_de_construccion/crisis_hipotecaria/hipotecas/prestamos_hipotecarios/vivienda/kw/noticia_1276329046.html

And housing sales down, is that there is crisis of confidence, but no buyers, of which has already been verified their kamikaze trend (though not the cipotecados this forum, it is said), no, but the banks Clearly ...
I put a link to an uncle of the now famous nuevavivienda that, for veáis so mad that they are a few:

"I'm looking apartment with my girlfriend but without haste, if you have fallen! ... The fact is that if something interesting comes we do not have much saved (for writing more or less) and I have kicked all banks. for which I give 100% of the valuation there are two options, and I want you to think that I say which is better. A: guarantors to amortize 80% of the loan. DOS: ask for a second mortgage (on the house of my mother for example) worth 20% of the loan and once you repay the percentage (5, 6 years according to the bank's) second mortgage disappears. That is the second mortgage is amortized to me principio.que Decis companions? "

What would be the answer? SAVES, RENT ... I say, no?

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# 15, sirialuna

April 29, 2008, at 9:55.

I have a question, not e spara I get is negative for me contesteis although some may appear simple I would like to know. I was in my mortgage amortizes at the same time pay interest, 204,000 of nominal or order and credit outstanding and 202,000 retired when I did not make the revision means that I have to do with the outstanding capital? because I have already written off that money? me are doing with the nominal why?

thanks to whom I answer.

on the topic of today I am going to comment on something I said a friend.
I commented that it was going to wait another year because they still had to further lower the price of housing, but that went to buy a flat in the suburbs as if it had bought a house, and whether it was an apartment in the center, that he had seen houses worth of 73 million now worth 58.
My question is that people do not go very well because a head home from 58 million to 40 years an interest rate of 4.5 +0.50 differential is 1700 euros a month will not be able to pay. I'm used to fall d eprecio mansions if I am not going to be able to pay ... ... ....

another thing is that I say I look 42 now calling for a 40 floor of a first home and I get something better.

but these are not the thoughts of abaricia and are people who are thought to be able to have a big house now with the fall
prices.

I'm used to drop me a cochazo from 30 to 20 million if I'm going to do without being able to pay?

If that is above are super confident ... .... but they remain the same as the arm stretched over a model that can be at the expense of the misfortunes of others.

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# 16, Solvent

April 29, 2008, at 9:56.

# 12, fafx must be very careful in interpreting this information. "The list of entities which have been downgraded ratings: Caja Insular de Ahorros de Canarias, Caja Rural Cajamar"

Imagine that you have an average rating of 8 in your exams during the first and second trimestre.Bueno because now you imagine that the average drop in third at 7.

Still to be approved and olgura, besides this you can not serve to relax (stop giving credits left and right) and brooding a bit more.

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# 17, Iñaki

April 29, 2008, at 9:57.

Today begins the fall friends jejejejejeje

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# 18, Isolde

April 29, 2008, at 9:57.

Ais is true, the bridge blind and I do not know what day or alive, by God, that I've just cause depression, now I will have to wait another day to be able to sleep a little longer jejeje, thanks worried.

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# 19, krollian

April 29, 2008, at 9:58.

Very good. Do not remove him or a coma. This is milk Carlitos ...

Grandfather!, And the Parliament, what? Another time on vacation?
Carlos Sanchez - 28/04/2008

On December 20, the Congress held its last plenary session of Legislature. It has been more than four months since former parliamentary session and the Congress of Deputies, beyond the usual formalities, remains closed to lime and singing. Given the macropuentes imposed by the schedule in madrileño the first half of May, that means that until the third week of next month his colleagues will not set their interests in the old mansion of the race in San Jeronimo. That is, five months after being given to shelve the last legislature. As the summer holidays are close, this means that up to September parliamentary machine is not fully operational.

This may prove two things. The first is that it works like a perfectly oiled clock, so it does not matter who you go to work or preparing laws controlling the actions of the executive. One work, by the way, that, contrary to what is generally understood in Spanish democracy, it is not just work for the opposition, also of the deputies of the parliamentary majority. The llamado'mandato imperative, 'as everyone knows, is not only unconstitutional but is a real fraud to the voters, who when they vote for a candidate confident that its representative will earn the salary and not become a kind of arm Wooden remotely by the head of the parliamentary group.

The second possibility would indicate that public authorities act in tow of the day. Namely, that life continues its inertia without anyone bothering ose its course. And only when problems grow to reach a certain size, the parliament's action is particularly strong. More or less what happens to the Judiciary, which cut the veins that crops up every time a case that alarmed the public, but the rest of the time (not to mention the associations of judges) is devoted to evading the issue , To say the gentle way.

Like a cuckoo clock

It does not seem that we are in Spain before the first scenario (or in Swiss machinery works as a cuckoo clock), so we face the second of the cases. Life goes on vacation and colleagues. If the problems were of little draft, would not be such a bleeding cut over both legislative likes the political class. It is already known that this is a country of leguleyos. There seems, however, going out there shooting. Rather, this is a first-order political issue that does not cause any blush. This is not a small problem. Quite the contrary.

The parliament is not just a camera that makes laws or that controls the executive branch. It is also the voice of the street, so it is reasonable to have the tools needed to push beyond the everyday problems of political skirmishes. But in real time, not deferred. A good parliamentary office responsible for monitoring the functioning of justice, for example, would have served to identify problems unfit for a modern country that is said. An office can keep doing his job even in parenthesis that may exist between election and election. Open 24 hours.

The existence of a Budget Office (an old commitment always breached), also could serve to identify the most pressing issues facing the Spanish economy ahead from the expenditure side in a macroeconomic context markedly different (and worse). Health, education, pensions ... These are all problems that can not wait to fulfill a schedule devised by the enemy, and that only serves to complicate matters further. Of course, unless you consider that with a few open days parliament meets its constitutional role of representing the citizens ... and their problems.

http://www.elconfidencial.com/cache/2008/04/28/22_abuelo_parlamento_vacaciones.html

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# 20, Mano H20

April 29, 2008, at 10:00.

The gum defines the U.S.
The chili to the Mexicans
The vodka to the Russians (and ensaladilla)
The pizza to Italians
The rice to the Chinese
The yogurt to the Greeks.

What we define the Spaniards? Does the paella? The cooked? Does fabada? The gazpacho?

Nief.

The turnovers, no doubt. The turnovers policy. The economic turnovers. The turnovers of Encanna ... ...

# Isolde

Yesterday, the President said two main things:

1 .- There is no crisis but merely a slowdown.

2 .- But that rise in unemployment which there is more people looking for work (I do not know if the latter has precisely to those who have remained unemployed) Namely.

Without any political mood. Only economically.

Euribor. If you've already scraping the techillo of five, already low and fast!.

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# 21, czp

April 29, 2008, at 10:00.

Hello,

Let us not be carried away by fanaticism, political or economic. As remarked by those who ask to lower rates (and also clarified that I'm mortgaged, although at least 30% of my income) is true that you can fix some things, encourage consumption and others. However, in the long run superbajos rates are very negative and the example we have in Spain, had never reached the burbujón Real estate with the subsequent stop in the dry sector that interests us now if they had been in a logical level: between 5 and 7

Cheers and good luck.

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# 22, Lucas778

April 29, 2008, at 10:02.

# 3 balls for disaster

If the dollar is revalued, the oil drop since then. 40 U.S. dollars not know.
But the result is that it will cost us almost the same in euros (as of the worsening exchange rate dollar-euro), because in fact, oil is quoted in euros, in my humble and uninformed opinion, for several months.

Therefore the fall in inflation and the Euribor may not be providing.

The fall of the Euribor depends on the banks, not from Trichet. Therefore a lower inflation would not lead to a fall in the Euribor itself.
Lead to a drop in the official interest rate of Money.
To get off that the Euribor, which has rapidly throughout the shit out subprime securitized and that each candle stick his stamina. The faster exploits, will return before the banks to clean up their balance sheets again and the differential between Euribor and the rate of the ECB to more moderate values. THE CRISIS OF CONFIDENCE TO THE FINANCIAL INSTITUTIONS ARE AMONG SI.

In addition we experienced inflation also comes from raw materials and other commodities, whose prices are not as direct a relationship with the price of oil. So lower rates in Europe would lead to increased consumption and more inflation.

I personally do not see it as simple as what you propose.

Here the problem is with all the money that has "withdrawn" from circulation by the exorbitant prices of the real estate market and looking for profitability in the raw materials with speculation is not in circulation in the economy. LIQUIDITY CRISIS.

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# 23, krollian

April 29, 2008, at 10:02.

# 14, madmax

In response to the announcement will have to say that in any case have to drop pasta. And if you go to unemployment, your parents are going to laugh that you do not see ...
Yesterday we went on Telecinco in an interview professional moneylenders. An uncle asked 5,000 and ended up being more than 100,000 because they retarsó at him and demanded a payment! 65% interest!

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# 24, fafx

April 29, 2008, at 10:02.

# 16, Solvent

"The entities that in addition to lowering the review have been changed the outlook from stable to negative: Caja de Ahorros de Avila, Caja de Ahorros y Monte Piedad de Segovia on."

I think we have a negative outlook is not very good, or that have an average of 7 ...

Personally I think are starting to drop the names of many sexes were already aware if any read this blog

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# 25, Txus

April 29, 2008, at 10:05.

# 15, sirialuna

The revision is respect for the mortgage. What applies the new interest rate (Euribor + x%) to the capital outstanding.
The other issue to consider is that there is less time to amortize (because he has spent a plus) and maybe get there by the confusion
Surely if you use the calculator with the outstanding capital and time again, with the new interest rate you square

Greetings!

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# 26, krollian

April 29, 2008, at 10:06.

# 22, Lucas778

Here the problem is with all the money that has "withdrawn" from circulation by the exorbitant prices of the real estate market and looking for profitability in the raw materials with speculation is not in circulation in the economy.

Accurate. It is now speculating with food. What will be the next? Well already exists: wars and blockades.
One is the capitalist exploitation in a "civilized" and the other is the least refined.

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# 27, sirialuna

April 29, 2008, at 10:06.

jo no one can answer me this dudilla I have?

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# 28, Txus

April 29, 2008, at 10:08.

# 27, sirialuna

April 29, 2008, at 10:06.

jo no one I can dudilla reply that I have?

Watch the post 25 please

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# 29, Juanfran

April 29, 2008, at 10:08.

# 24, fafx

Good, it may sound silly, is that I do not have much idea of this, but ... it means that the lowering of qualification or negative. We can influence those who have no savings but mortgages into one of these banks. (Well, and because of way in which they influence those who have savings)

Thank you and congratulations on this piece of blog.

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# 30, sirialuna

April 29, 2008, at 10:09.

thanks # 25, Txus

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# 31, krollian

April 29, 2008, at 10:12.

By the way. Itinere not left a bag. The "subempresa" Sacyr not thought of that was the time.

I take to write the article by Juan Carlos Florentino Escudier on, the incombustible.

28 April 2008
I would rather not do it
Juan Carlos Escudier

The 'conseguidor' strikes again: Florentino for Iberdrola, Fenosa for the French

Al conseguidor, or Florentino Perez, has been stuck in the head Zampa to Iberdrola, which is that it seems that produces electrical energy pounding grass, as green and ecological presented to us on TV. And those who know Perez knew his record and his gifts of persuasion. The operation has its complexity, but it was never an impediment to the ACS. Would not it was impossible to raise in the green zone of Ciudad Deportiva del Real Madrid four towers of 250 meters, joining 86,000 million pesetas and that, furthermore, IU voted in favor? Well, that.

It's easy to imagine the preamble to the story in such summits prior to the boards of the construction company involved in the March and Albertos (rich, rich, the true owners of the company) along with Florentino (the employee of luxury and third shareholder), how it was decided that the first Union Fenosa (ACS) was made with 10% of Iberdrola, and then how, after finding it impossible for the collision, was called to the doors of Électricité de France (EdF), the public company French, to consummate a purchase of pool three bands, provided they save the two major obstacles: the character of EdF and Spanish regulators.

Note the move. No se trata de que ACS y EdF rompan sus huchas de cerdito y se lancen al cuello de Iberdrola, OPA mediante. No. Lo previsto es que los franceses formulen oferte pública sobre Unión Fenosa, que es de ACS, y que Florentino y los suyos hagan lo mismo por Iberdrola de manera simultánea. Los franceses lograrían de esta forma su propósito de entrar en el mercado español, aunque sea en la tercera compañía del ránking; y Florentino obtendría fondos para el asalto a Iberdrola, a la que después trocearía para poner en venta dos de las joyas de su corona: la británica ScottishPower y su división de Renovables. En resumen, que Iberdrola dejaría el verde, que es un color que no se lleva este año, y Pedro López Giménez, el soberbio chico de los recados que Pérez colocó en Fenosa, se pondría violeta.

De los obstáculos, claro, se ocupa Florentino, el allanador más extraordinario al este del río Pecos. Miguel Sebastián, que ya ha hecho varios viajes a Francia, antes incluso de ser nombrado oficialmente ministro de Industria, ha empezado a conocer el acoso de Pérez por tierra, mar y aire. Visitas, llamadas telefónicas, comidas en el Señorío de Alcocer –el restaurante donde Pérez tiene su reservado-, todo lo necesario para convencer al Gobierno socialista de que la primera empresa constructora necesita esta deglución para no entrar en crisis. Al fin y al cabo, que ACS se quede con Iberdrola encaja esa definición de los “campeones energéticos nacionales” que Zapatero se inventó en los inicios del culebrón Endesa.

http://blogs.20minutos.es/preferirianohacerlo/post/2008/04/28/el-conseguidor-ataca-nuevo-iberdrola-florentino-

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# 32 , Anónimo

29 de Abril de 2008, a las 10:13.

#24, fafx Te hacía referencia al 7 de nota media con respecto a las otras entidades no “la perspectiva de estable a negativa” sino a ”La lista de entidades a las que se les ha rebajado la calificación”

También te quiero decir que,continuando con el simil,no es lo mismo que te evalúe tu tio que es maestro (cuenta de resultados de las cajas que barren para sí) a que lo haga un maestro que no te toca nada (Moody´s consultora independiente).

Por cierto no dice nada de Bancos, porqué solo atacan a las Cajas?????

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# 33 , Solvente

29 de Abril de 2008, a las 10:15.

#32, Anónimo soy yo perdonad otra vez

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# 34 , fafx

29 de Abril de 2008, a las 10:16.

#29, Juanfra

A los que tienen hipotecas nada de nada, si no es a ellos, acabaras pagandosela a otro banco. No te preocupes que de pagar no te vas a salvar…

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# 35 , 1000iu

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

Para #2 Euribor up up:
Excelente comentario, se nota que eres experto en ciencias económicas…
Seguro que no conoces a ningun PALETO de esos que nombras, ni familiares, ni amigos.
Repasa las “g” y las “j”.
Un saludo a todos.

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# 36 , 5% YA

29 de Abril de 2008, a las 10:18.

HOY ASALTO AL 5 %

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# 37 , moloMUCHO

29 de Abril de 2008, a las 10:18.

¿Amortizar (en años) antes o después de la revisión de la cuota de la hipoteca?

A ver si alguien me ayuda… no sé si amortizar antes o después. He leído que si el euribor sube, es mejor amortizar después porque te quitas más años… pero no lo entiendo… Ayuda!!

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# 38 , escamoso

29 de Abril de 2008, a las 10:21.

#2, Euribor up up !!!
Es espectacular la cantidad de iluminados que están saliendo últimamente por el foro. Con lo claros que teneis los mandamientos, de aquí a poco os veo a los cuatro juntos montando una religión y haciendole la competencia al Monstruo del Espagueti Volador

#10, krollian
“a mi me parece que al caer el consumo puede influir también en que baje la inflación.”

Por lo que yo se(que no quiere ni de lejos decir que sea cierto), para moderar la inflación lo que se debe hacer es reducir el consumo, por eso lo de subir el precio del dinero. A la que la gente compra como loca los precios se disparan, (aunque tambien se disparen por especulaciones en campos concretos)

#21, czp
“los intereses hubiesen estado en un nivel lógico: entre el 5 y el 7″

Hombre, con inflaciones rondando el 2, yo esos tipos los veo un pelín altos. Además, si repuntara la inflación con tipos como esos puedes acabar en tipos del 8 o el 9, que para mi que ya cuentan como bastante altos

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# 39 , isolda

29 de Abril de 2008, a las 10:27.

Y hablando de chicles podemos hablar de los diferentes tipos de pompas que existen:
Están las pompas de chicle, que será lo único divertido que podamos hacer cuando llegue la crisis, comprar un chicle, sentarnos en un banco del parque ya ver quién hace la pompa más grande.
Las pompas de jabón, que nos saldrán del culete cuando el euribor nos la quiera meter doblada (un poco zafio me ha quedao, jeje)
Las pompas fúnebres, que será el único negocio que sobreviva a la crisis, por que visto lo visto, no se salva ni uno.
Y por último pero no por ello la menos importante, la gran “Pompa” inmobiliaria, que aquí nos tiene a todos en el foro, tanto hipotecados, alquilados, vendedores de pisos, pasapiseros y todos justos pero no revueltos.
:)

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# 40 , Lynxai

29 de Abril de 2008, a las 10:28.

“Hace poco, hablamos que el hombre más rico del mundo (Warren Buffet) decía que tenía dinero para gastar pero no encontraba oportunidades, lo cual nos hizo plantearnos las dudas sobre si la crisis realmente es de liquidez o es de confianza.”

Clopez macho, te has lucido con ese razonamiento. Si Warren Buffet no tiene liquidez, no se quién tiene xD.

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# 41 , AK-47

29 de Abril de 2008, a las 10:34.

como quedara el yurivor joy??????????????

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# 42 , AK-47

29 de Abril de 2008, a las 10:36.

Impostorl, yo no he dicho eso!

XD

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# 43 , Jarril

29 de Abril de 2008, a las 10:36.

Sobre #12, podría alguien explicar un poquito que supone y como afecta al cipotecado medio este “descenso en las valoraciones”?

(Por favor y gracias.)

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# 44 , AK-47

29 de Abril de 2008, a las 10:37.

Impostorl

Hay que esperar hasta las 11:15

XD

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# 45 , Almería

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

Buenos días a tod@s,

Como mis jefes están en varios juicios orales esta mañana pues puedo escribir un rato antes de que me lleguen más notificaciones:

Os voy a contar varios casos que llevamos para que veais los que no estais en el mundillo de la abogacia como esta la cosa:

1-El viernes me llamó al despacho una madre desesperada, ella y su marido avalaron a su hijo, su hijo que es un …………… se ha marchado con una ecuatoriana a Pozo Blanco ( Cordoba ), como el hijo no paga, pues ahora le vamos a embargar a esta familia de Berja lo único que tienen, el invernadero, que es de lo que viven y su casa. Ayer llamó el padre amenazando a uno de mis jefes, yo le comprendo lo que debe de sentir, pero a veces queremos tanto a nuestros hijos que no sabemos donde firmamos y claro los 85.000€ no saben de donde sacarlos.

2-Este 2º caso es de un divorcio, nosotros somos los que defendemos a la señora( que yo particularmente no le tengo mucho aprecio y ya leereis el porque).La Sra se ha divorciado de un pez gordo de Almería, y claro le tiene que sacar hasta la médula, ella no ha trabajado en su vida y por supuesto va de marca de arriba abajo, sus 2 hijos mayores de edad( repitiendo cada uno no se cuantos años, uno tiene mi edad 27 y está todavía intentando sacar 2º de ITA y el otro con 22 está en 2º Bachiller), pues bien la mujer quiere lo siguiente:
-La casa en el centro de Almería.
-El coche.
-El ajuar.
-Lo que le debe de pagar el padre cada mes a cada hijo, como están estudiando…..
- Y como ella no trabaja le tiene que pasar durante 10 años una paga.

Esto es alucinante, él se queda en la calle y lo único que se queda es la casa de los padres de él y sus acciones en bolsa.

Si vierais los estractos del banco de ella, de movil gastaba una media de 250-300 € mensuales, y 70 € todos los meses de unas asociación de pijas de Almería.

La semana pasada encima vivo y le dijo a uno de mis jefes, que había discutido con su ex-marido y si eso se podía alegar como malos tratos( yo flipé), mi jefe le dijo que las parejas discuten y eso no se puede poner como malos tratos….vaya la tipa.

3- Este es un divorcio de oficio y al contrario que la otra, ella lo esta pasando mal.

Nosotros defendemos a la mujer, su marido la ha dejado por una colombiana de 24 años.

Ella trabaja en un hospital de aqui de auxiliar y como su marido no le pasa nada por sus hijos, ella a mitad de curso los ha mandado con sus abuelos al pueblo porque no los puede mantener aqui, mientras él se pasa una vidorra y ella venga a pagar las deudas que él le va dejando, porque por desgracia ella, lo firmó todo a su nombre y él se ha limpiado las manos.

Ella está deseperada me da mucha pena, viene aqui y nos cuenta la cantidad de horas extras que hecha para llegar a fin de mes y mientras sus hijos de 9 y 12 años en el pueblo y su marido con la colombiana.

Os podría contar más casos, es que metida aqui se ve de to´, y desde luego hay embargos, los pisos y los coches van a empezar salir a subasta, yo voy a una el 8 de Mayo con mi jefe.

Para que os hagais una idea Santander tiene más de 200.000 coches y no quiere ni uno más.

Buen día a to´ , saludicos desde la calurosa Almería.

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# 46 , MAdmad

29 de Abril de 2008, a las 10:41.

Al tema de hoy y de “#40, Lynxai” viene aquello de: crisis de liquidez confianza? Yo que soy PALETO os diré lo que opino a mi manera, y como no, centrado en el tema de siempre:
NO HAY DINERO! La gente no tiene 460 000 EUR (lo que vale el piso de mi amiga, que por cierto el novio se compro otro para “ahorrar”).
Ahora, se puede enfocar de dos formas:
*Lo bancos no quieren prestar un dinero con el respaldo de un bien que cuesta mas de lo que vale y que cada vez vale menos.
*Le gente no tiene las cantidades que se mueven hoy en estos temas, os aseguro que la gente no daba el 20% de entrada, porque no lo tenía (mi amiga no pago 92 000 EUR, obviamente)

Se ha creado una riqueza que no existe… Gracias a todos los actores por arruinar la generación de los 70-80.

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# 47 , easy

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

*Las ventas al por menor en Europa sufren la mayor caida en 4 años, debido a la subida en los precios del crudo y de alimentos …
*BMW, el beneficio neto cae un 17% en el primer trimestre, recortarán 18000 puestos de trabajo ( ¿ ya no se lleva el paquete hipoteca + coche ? )
*Metro AG (Media Markt entre otros) pierden 4 millones de euros en el primer trimestre; el españolito se cansó de ser tonto.

y así podría enumerar muchísimos más datos que confirman que la crisis financiera se ha filtrado al consumo, y lo que queda por ver. Es triste que mucha gente todavía no sea consciente de ello, y aún más triste que quienes pueden poner algo de remedio (si bien es ya muy tarde) lo ignoren

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# 48 , krollian

29 de Abril de 2008, a las 10:44.

Yo me acabo de hacer mi simulación al 5,5.
Pagaría ahora mismo 50 eurazos más. De 530 a 579. Si para mi es bastante pasta no puedo ni imaginarme al que le suba bastatnte más.
Ese mito de que todo el mundo está gastando en bares, ocio y demás es inconcebible.
Vamos a ver. Si tengo menos dinero iré al cine 2 veces, no 5. SI me tomo 6 cervezas, me tomaré 2 ó 1. Punto. A no ser que te inviten, te toque la lotería o seas un especialista en falsificar billetes…

Y en cuanto a ZP. Sólo faltó que dijera que se enteró de la crisis porque lo leyó en El País.

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# 49 , AK-47

29 de Abril de 2008, a las 10:46.

Esto ya parece el “Hola”!!!

Almería, ten cuidado que los abogados (y los que trabajan con ellos) tienen obligación de secreto de los asuntos que conocen por razón de trabajo… y con los detalles que das… estractos bancarios y todo…

Ale, a currar un rato!

Así nos va

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# 50 , Carlos Lopez

29 de Abril de 2008, a las 10:48.

#40, Lynxai
A eso me refiero, si el tío que más pasta tiene no invierte, entonces el problema no es de liquidez.

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