The cache

Finance could understanding as the science that seeks to optimize resources while minimizing risk. Most of our emotional well as sound without follow this pattern that often we realize. For example, when we drive we try to find the shortest way to save money and time evaluating various alternatives, including shortcuts, that while we further optimize the route, usually have some sort of added risk (the famous "there is no shortcut without work ").

In the book "The hidden Logic of Life" shows us some interesting, not least the book begins by analyzing the incredible increase in oral sex among young Americans. If you look at "economically" oral sex is a "price" under which the risks of pregnancy and disease contagion is much lower than that of sexual relations therefore would be the best choice for the small economist in all of us ( and that "small economist" is not a metaphor). So, what at first seems immature behavior, has much more than what we think rationally.

In computing, we have other methods to optimize resources, we can spend the dough in a huge server or we can install a system cache. This system is what makes leaving memorized the most frequently visited pages, so that when a user accesses the Web, instead of having to perform various calculations and access to the database shows the page memorized. It is as if in your job you frequently ask for your email address, and opt, instead of reciting, have it tattooed on your hand and save spell your email.

As we have commented before, many times the value for money carries some risks, this is what we did with the cache and some of our readers have been almost a week without seeing the updated Web site.

That it is also what has happened to banks in the famous crisis in subprime mortgages, using a system of "packaging" of mortgages (a shortcut to get better returns) but taking too many risks. It is the highest in finance and in life, more risk than profitability, we must not give him more laps.

In Cotizalia can read an opinion article entitled: And the bomb exploded financially. When the search for profitability ignores the risk (II). Who comes to summarize the current crisis in 3 points:

Fatten the cow until reviente
The mote in the eye of others and the beam in one's own
Tweet, tweet that I have not been

In Spain it seems that this will not remain with us and to our world of color and fantasy and I read with amazement the next release as Invertia: "hook quick to credit: Spaniards pay more (9.25%) than Europeans by consuming" .

Consumer credit are two hundred basis points more expensive in Spain than elsewhere in Europe. The national average stands at 9.25% versus 7.21% applied to the forward transactions between 1 and 5 years in the Eurozone. In Spain, most bets by paying with cards and the recruitment of direct credit, a loan that does not rely only on assets or securities, and that carries a higher risk premium.

If in the end we will have what we deserve. Like it's because we know a lot of economics, not the poor of Warren Buffet has stated recently that "Is it the economy? I have no idea "

Warren Buffett says it has no idea where is the economy. And he is not interested because, he says, this is not your business. They are words that clash, coming from that is the richest man on the planet, and especially from someone who has gained the nickname of El Oracle of Omaha.

Of course, that is dedicated to what is not to the economy if not to finance, which is without doubt a guru. Meanwhile, other "gurus" are dedicated to predicting $ 200 oil, which you get to know if this will be true or not but the truth is that it gives fear of something.

In the end, friends, be very careful about the cache.

(Unrated)

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Written by Carlos Lopez on May 7, 2008 with 211 points.

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# 1 Selected

May 7, 2008, at 9:58.

Os dejos with this theater, which explains the subprime mortgage market and those who are
Presenter: George Parros, you are an agent of investments
George Parros: What am I, yes.
Host: And as such, have controlled the "pulse" of the financial market.
George Parros: Yes, you could say so.
Presenter: And last summer there were a lot of turbulence .... ... Volatility.
George Parros: If tremendous
Host: And what is the cause?
George Parros: Well we must remember two things about the market: The first is that it is composed of people very acute and sophisticated. They are the big heads of the world. And the second is that financial markets are driven by sentiment.
Presenter: What does that mean?
George Parros: What does that mean? Well, things are going normally, and suddenly, without more, one of those sophisticated people said, my God! What will happen? Oh We've lost everything! What will we do? Oh ... .... ¿Salto for sale? Jump out the window. Everyone. SOLD! , SELL!
Presenter: Yes.
George Parros: Precisely ... And then one of those sophisticated people said, 'You know, I think everything is going well. " And everyone says, "I agree. We are rich, are rich "
Presenter: "Buy, Buy, Buy"
George Parros: Buy, buy, buy the other. And to call that "market sentiment."
Presenter: Yes .... Surely we are exaggerating a bit.
George Parros: Ah, what is not good in August of last year, when markets collapsed in London a well-known firm issued a statement in which he said, and I'm quoting, agents market does not know whether to buy in rumor and sell on the news, do the opposite, any two, depending on the direction of the wind.
Presenter: Yes, and this is the kind of rigorous analysis by which these companies receive huge salaries.
George Parros: And a few days later, when the situation improved, a senior official said the ABM, and I quote, return to happy days again
Presenter: There is no money to buy that kind of mature wisdom.
George Parros: Probably not. Those people received millions in bonuses.
Presenter: There have been real causes behind the volatility of the market. Especially in the U.S., for the many mortgages made to people who can not pay for properties that are losing value
George Parros: Where are the subprime mortgages.
Presenter: subprime, if .... How does that?
George Parros: Imagine, if you can an unemployed person sitting in a black gantries demolished, with a T-shirt without sleeves somewhere in Alabama. And a so-approaches and asks Would you like to buy that house before they fall? You provide the money.
Host: And that so-and-so is a banker.
George Parros: No, no. It is a vendor of liens. His salary depends on how many sold. So its valuation is highly objectionable.
Presenter: Yeah, yeah, completely. So what happens?
George Parros: Well, a bank buying that debt, the mortgage and packaged with other similar debts
Presenter: Without going into detail about ....
George Parros: No, no ... It's too boring ... So it is packaged and then goes to Wall Street. And something extraordinary happens here. Somehow those packages of risky debt, ceases to be and becomes a vehicle for structured debt.
Presenter: A SIV
George Parros: Yes, a SIV.
Host: OK, and then, someone like you comes and buys it.
George Parros: Yes, and then call someone in Tokyo and I say: "Look, I got this package You want to buy?, I wondered what's in it?. I say you do not have the slightest idea. I wonder how much I ask, I say $ 100 million. He tells me he's worth, and that's it. That is the market.
Presenter: And presumably, this happened several times with the same package. And if someone like you will make money with that.
George Parros: Do not wait to be done for nothing. It's a tough job ....
Presenter: Based on that debt in these packages are very arriegasdas Why attract investors?
George Parros: Because these funds in the research has very good free names.
Host: You mean that companies are respectable?
George Parros: No, no. Nothing to do with your reputation. He has very good names. They are very creative. For example, there is a well-known firm, Bear Sterns, who has two of these funds. They lost so much money they announced that they would have to put $ 3.2 million to keep one foot. Even so investors lost money

+17

# 2, Ing-less

May 7, 2008, at 10:08.

To enter the Euribor search on google and hopefully we'll find the site updated. That's sad, with what little they have to make in this forum. Not for lack of interest, but of knowledge. But nobody comes, I start counting ... jokes.
I deserve some positive, albeit by ready

+20

# 3, hipotecaohastalamedula

May 7, 2008, at 10:11.

We are protected by law?

Today I read something in a newspaper Local something that surprised me:

"Areces keep the" penny health "despite the fact that the EC considers it illegal"
(Source: http://www.lne.es/secciones/noticia.jsp?pRef=2008050700_42_633753__ASTURIAS-cree-ilegal-centimo-sanitario-recauda-Asturias-gasolina "

Comes to be something like that, in 2004 began to charge 2 cents per liter gasoline and 0.6 cents per liter on diesel fuel to retailers to refuel, and remains until in 2008 the EU is determined to be "illegal".

Well then now say they do not removed while there is no "alternative" to the "financing".

I can not understand it, in my words cumbersome, this means that we were stealing since 2004, but now at this point, or we give them the penny on the other side or continue doing what they want. Until recently, I thought that when something was "ILLEGAL" could not be done, but I see that there are two types of "illegal":

- Watch: If you commit something "illegal" you are going to get fined Hold on and you do not carried out, or you go to jail (serve as an example the outlaw driving without a license, and recent implementation of what it means sure that have raised thousands or millions of Euros).

- Government: If you do something illegal, "everything will depend on the time we get to keep it can be established as a habit, and to abolish it have to get something. Mayors building "farms" of 3000 m2, and EVERY because gaining a Canon, absolutely ALL who buy an mp3, printer, mobile, hard disk, memory card for the camera and other digital storage devices, and PIRATES ARE there are songs of people like VICTOR MANUEL, ANA BELEN, or Ramoncín LUIS COBOS. I get scared when they determined the canon digital ILLEGAL come and they say:

"From nothing to see now who will give us the 380 million euros was paid SGAE (remember that it is a non-profit, which I do not know is where will the money) to raise in 2007"

Well, Ojito all that you have no "power" because your "illegal", and what will remain will have to pay for them. Meanwhile, the "illegal" government will also pay for ALL, mmhhh! I am not block, AH! HACIENDA must be because we are ALL.

Good day and to be optimistic that the day after tomorrow is Friday!!

+83

# 4, Alejandro

May 7, 2008, at 10:16.

Let's see what it does today ... We will arrive at the Euribor approved?. The response within a Horit.

-6

# 5, Breogan

May 7, 2008, at 10:19.

In the morning breakfast and while I see fresh news of the day I am bombarded with ads for fast loans with TAES above 20% and I always asked the same question will there be such an idiot to recruit people? ... Because there are, xD.

+45

# 6, Solvent

May 7, 2008, at 10:19.

CLópez hope that I welcome a hand and remove the duplicados.He had a problemilla with servidor.Gracias and apology.

-4

# 7, ANO-Nimo

May 7, 2008, at 10:24.

Good morning everyone:

How about the book is "The hidden Logic of Life"?
Do you have read?

Clopez, I read the economist camouflaged and I liked it but did not see that this is so and before spending the 20eurillos ... and tell us.

-1

# 8, coconut

May 7, 2008, at 10:30.

Hey Marie, in the theater said "Speaker: Yes, and this is the kind of" analysis "by the stringent that those companies receive huge salaries"

It reminded me of that "analysis" to my neighbor when going from 1 has done an "analysis of blood"

-7

# 9, ame76

May 7, 2008, at 10:31.

# 3 hipotecaohastalamedula,

agree to disagree with the penny health. But let us not delude ourselves, the government or are funded by one side or are funded by another. Or are not funded, and then cutting services. As simple as that. You could improve management efficiency and so on, but this is really independent of the above.

And charge does not say anything because I encabrono unnecessarily.

# 10, Ayalga

May 7, 2008, at 10:32.

Today we have a day full of good economic news:

Solbes now believes "very difficult" that inflation will moderate this year
http://www.elpais.com/articulo/economia/Solbes/cree/ahora/dificil/inflacion/modere/ano/elpepueco/20080507elpepieco_3/Tes

Goldman Sachs is likely that oil reaches $ 200
http://www.elpais.com/articulo/economia/Goldman/Sachs/ve/probable/petroleo/llegue/200/dolares/elpepueco/20080507elpepieco_1/Tes

and of course the strike ...
The crisis raises unemployment in April for the first time since 1984

This latest news is bad because realmete to spain has cost a lot, always, to create jobs.
As commented these days there will be people who are gonna more or less well to the crisis but it seems that society is increasingly polarized and they go badly they go very wrong.

New social structure of spain:

5% of very rich
70% of middle-class goes ahead more or less well
25% of population in poverty or poverty line or poverty shameful.

or something like this ....

+31

# 11, Sephyrot

May 7, 2008, at 10:39.

Hello everybody,

An issue to ponder: How will the Administration on hydrocarbons?

There are excise taxes that have the following functions:

- Improve the allocation of resources to restricting economic level
- Replace a public price: The money raised is intended to finance a public good or service.
- Direct control of consumption: If the resource is scarce the price rises to reduce consumption.
- Taxing consumption of luxury goods.
- Objective raiser: Certain resources such as snuff or oil have a huge potential revenue.

In the case of oil, the administration believes that private transport produces high social costs because congested traffic and pollutes affect health.
It is a scarce resource so we must restrict their consumption makes the price.
It replaces a public price to build roads and maintain them.
He has a great power collector because there is no substitute products i that makes the price may increase indefinitely because they will continue to consume with a strong sales volume.

What does this situation?
Private vehicles that consume more pay more taxes. So when you see a Maruja or abuelete with Pathfinder or the Chayane think you are maintaining or building more meters of road and traffic cops to maintain more than using a coche1.400cc.
For the Administration is a plum that people will buy these super cochazos with engines that consume so much and because it is a source of revenue like the brutal snuff and road tax.

A greeting!

+20

# 12, Fiby

May 7, 2008, at 10:40.

Very good morning to everyone,

First of all introduce myself because, after several months of reading, is the first time that I participate in the commentaries. I should mention that my work is closely linked with the state banking, real estate, economic and legal, and, though my work that I can think of that "thinking of risk," I am a conservative person who always encourages customers to take lead Cold.
Now I have decided to write a few lines, as it always is very interesting here is that everything he says, but today, it is particularly curious.

In the link of the commentary that Carlos Lopez us today on the news Cotizalia, it is interesting that we refer directly to the UBS report posted on its website on the situation in which it currently is. Something that called my attention was that report that "at the end of 2006, the Treasury said a strong balance sheet growth, a significant reduction in the quality of the securities and that in the past 12 to 18 months, had grown assets less liquid, in turn funded by liabilities in installments over shorts insecure "

From my point of view, the situation is this: Pepito went to see Don Jose to ask provided € 10,000. Pepito did not have anything of value which can assure you that in the event of not being able to repay the money, Don Jose could become uncollectible debt, which had only paid him at work. "There's not much money" thought Don Jose, and if that amount is added to the interest that would be higher to compensate "eventually earning twice what they gave him, so I decided to let the money. The passage of time, Pepito could not pay and Don Jose was like at first, but without the 10,000 €. The problem arose when Don Jose, following the argument he had with Pepito, gave several seeds were found in the same situation. If you added all the money they lost, was ruined.

If we apply the fable to reality, we understand what has happened to banks, but if we are to blame, who charge the dead? A Pepito, for wanting what they could not because it lacked money or Don Jose, for being foolish and delivered? I think we both have the same responsibility, so who is to blame, banks or those who came to him?

+36

# 13, FLIS

May 7, 2008, at 10:41.

Good morning, everyone.

I think we have a crisis but also of reasoning. In Spain the law does not work and nobody cares about that fear until now, health is getting very malita, denemos an unsustainable external deficit, ect. The common people are not able to analyze the situation and is fooled by the politicians in power, has no power of analysis, not punished in an election mismanagement (see case of Great Britain or France). There are people who voted PSOE although this list as the head of an ass.
The people apparently lived well (good cars, vacations, bridges, dinners, clothing and sunglasses brand.) But if we do not pass it very badly in the future this country needs a thorough reform (labor market reform, reform of health systems , Pension reform, justice and above all zero wage increase for five or six years, officials and put to work those who do not as they should (layoffs)). I see short-term problems in the automobile industry's assistant with relocation and that together with the problem of the construction will unfortunately we came to 4 million by 2012. Attila is right at the end a lot of people what is going to happen very badly.

# 14, Esparver

May 7, 2008, at 10:42.

# 3, hipotecaohastalamedula

I can not understand it, in my words cumbersome, this means that we were stealing since 2004, but now at this point, or we give them the penny on the other side or continue doing what they want.

No. It means that a government who says otherwise does it bad government. Until there is a sentence there is no illegality. In fact there is a conflict of competence rather than an illegal tax (at least until the court takes a decision of the EU, which no interest to anyone).

Anyway it is not very understandable that a highly inflationary rate for things that have nothing to do with the fee.

+10

# 15, jesus

May 7, 2008, at 10:46.

The floors have not gone up!

I'm tired of hearing that if the floors have risen exorbitant, that if there is bubble ... all of that is false and "easily" demonstrable, thanks to the wisdom of my mother-in-law, namely:

Before the introduction of the euro my mother-in-law told me 'this is the worst that will happen, things that are worth 100 pesetas worth one euro. " Or what is the same 1 cent = 1 PTA.

Certainly today that it has taken more than one and for which not believe it, see, see:

The other day I went to make a photocopy at the Uni and I wanted to blow 5 cents, with a self-di looking at 2.5 cents. per copy ... uhmm years ago, with the peseta me to 5 pesetas in the stationery of my house, 2 pesetas in the CopyCentre ... curious.

I go to the movies cost about 550 Pelas, now go to the movies about 5.50 euros ...
A Menu at the Uni me to 400 pesetas, I ate yesterday for 4.20 euros ...

And the thing is still ...

Canata a terrace in the 550 pesetas, 5.50 eur today.

The cars, for example, cost me my Megane 2,100,000 from those of earlier, now a Megane cost you about 21,000 euros (1.9 INN)

And the gasofa that he puts before ... .. 120 pesetas per liter now $ 1.20 ...

God, what I said my mother in law!

The mobile ... before about 4,000 pesetas, and now about 40 euros

The Pan ... before 70 pesetas, now 75 cents ...

The 80 pesetas coffee now 80 cents

And now what more we like: A house .... I live in before, by about 24 million bought you a little more or less, about 70 square meters ... now ... with the euro worth attention: 240,000 euros ...

Unbelievable but true!

Ergo ... it seems that prices have not risen, it has only passed what many said pta 1 = 1 cent or whatever it is the same one euro twenty hard.

But then ... where are the problems? ... Easy, something that my mother-in-law told me "everything will go up less salaries" and what is the same, which earned 150,000 Pelas not win today, 1.500, but some 900 poor eurillos ( and hopefully will rise to 1,000)

That is the key. Is there or there was housing bubble? Or is just a name to hide the parity PTA / euro?

The blame is shared equally among real estate, houses, cars, the boutique of bread ... we are the entrepreneurs who in the implementation of the euro in the sale were ready and the workers that when revindicar were idiots ....

It's easy to say that banks, these entities untouchables, are bad and not the governments (of any kind) that did its homework and only thought in the pocket of a few.

There is little ... ..

(Go tomorrow that I have )

+186

# 16, ca.o

May 7, 2008, at 10:53.

As I said before yesterday. I do not think anybody knows for sure where you're going to the crisis. I do not think we can doubt that we live in times of change. Not only nationally, but primarily at the global level. Some third world countries are beginning to wake up, even though our economic interests, we can not do anything but cheer. If there are less poor is better, but undoubtedly will have to allocate energy and raw materials and manpower in the world in general will rise in price and we will not blow around a hundred. The oil did not hesitate no one will rise to 200 and what will happen is only a matter of time, the question is how long, we're going to progress within two years. Only we can save this rise of alternative energy sources, Biodiesel? undoubtedly with the oil to 200 is very profitable profitable, but who can pay for rice, wheat, sugar ... all basic foods, we mean maybe 30 € in the basket that although much pay But what about those poor countries in the world who are unable to get out of misery? Will they be even more poor? I assume that people will die from lack of food in fewer countries, but in those countries, more people will die. (Perhaps biodiesel should have some special taxes to offset rising food) as real alternatives to energize all the experts suggest that the can only be truly profitable is nuclear. Great dilemma, There is no price ecological energy (oil, wind, thermal, nuclear ..) is no doubt that higher energy prices has been charged to date is the oil, not just the boats that are unden, losses of pipelines, wells that burn, leaks in wells at sea, wars. But mainly pollution and we are destroying our planet, our ecosystem, with the admosfera, diversity, Antarctica, the glaciers .... and do not forget our health, asthma, allergies, respiratory problems, cancer .... and yet they all stand on oil as the best alternative, because they do not understand it, let me doubt. I'm thinking that the nuclear power approximates or hint at the destruction of the planet, if it is to become a millionth of victims. And on the other side that is so controversial politically, if we all know that the only solution is not devoid of problems, but less damaging and more practical than any other, does not create wars, nor ambruna or cancer deaths per million ... .. Neither has our cities and our lungs black, who cleans the dust from your home is well aware. Nobody complains about all this because we think that normal. Or who are not like, but the politicians, society will have to give a twist to the problem of energy.

# 17, Novato_74

May 7, 2008, at 10:53.

Clopez, have you changed the design of the website or is my computer? I liked it more before. It was more comfortable the previous design.

Solved. It was my computer.

-14

# 18, Carlos Hanini

May 7, 2008, at 10:55.

What would happen if all those who have a mortgage us to "strike" and we refuse to pay up to the banks or who do not make an appropriate interest rate just for us hiptecados. I do not think that banks will be hundreds of thousands of flats mortgaged and would have to cede.
Greetings

-18

# 19, anonymous

May 7, 2008, at 10:55.

# 5, Solvent
because you've seen the program of adjustment accounts more normal ... if you see the previous fliparías. These, after all, were a pair of 20 with a child that life for them was big.
The previous were families who deserved what they pasaba.A me indignant to see how a family is unable to make ends meet and have children at home without giving twenties stick to Algua "can not find work because of his own" but if you have car , Fads, clothes ...

+27

# 20, ANO-Nimo

May 7, 2008, at 10:56.

The crisis is good ... ..

"The prices of apartments to rent for the summer tumble by the crisis"

http://actualidad.terra.es/articulo/2446961.htm

The rent never low, je je

-7

# 21, TAHartl

May 7, 2008, at 11:00.

Hello everybody.

Clopez, referring to the article today, I think the level is falling. And with regard to 'small economist, "it all depends on the" logic of the hidden pocket of each one. "

In relation to the CACHE of personal memory, we should implement it and a lot in Spain. Not if each retains its cache Forero at what happened in economics before and after the elections, but for citizens (a) that has gone before 9M travel when I get back to the summer or later and listen to Mr Solbes and / or Mr Zapatero, is going to ask if he returned to the same country ...

Important news related to oil:

Nippon Oil and China National Petroleum are planning a joint refinery

http://www.cotizalia.com/cache/2008/05/07/70_nippon_china_national_petroleum_planean_refineria.html

Take note Mr Zapatero:

Microsoft begins the construction of an R & D center in Beijing

http://www.cotizalia.com/cache/2008/05/07/28_microsoft_comienza_construccion_centro_pekin.html

For when money is allocated to the project and software R & D of the Ministry of Justice?

Gentlemen Forero, have commented on the figure of unemployment in the month of April.

MORTGAGE FIRM TO 25 YEARS 1st HOUSING.

sugerenciaHIPOA25@yahoo.es - are needed collaborators.

firmahipoveinticinco@yahoo.es - Recogidas 100 contacts and growing. Name Surname + + email contact (NIF NO NO DNI)

"LINCOS by sheep."

-9

# 22, hipotecaohastalamedula

May 7, 2008, at 11:11.

# 16, Espaver
I fully understand what the disagreement of governments (ONE SAYS IT IS LEGAL, OTHER THAN). But as a Spaniard, NO understood that I put a "tax" when they throw petrol. If it's for a common fund as is the expenditure on health, we should pay ALL, not just those who cast gasoline (and of these only retailers, that above ...).

A ver si entiendes este otro ejemplo. El gobierno dicta que a partir de ahora, los que entran a leer este foro tienen que pagar 2 céntimos por cada visita, pero tranquilo, que es para financiar obras públicas. Tú te cabreas pero no tienes más remedio que pagar porque no hay otra opción ( con este ejemplo no valdría, pero me dirás a mí a ver qué hago yo para no pagar ese impuesto en Asturias, lo de ir a echar gasolina a León o Cantabria lo descarto… prefiero los 2 céntimos por litro, que teniendo en cuenta que mi coche puede llevar 50 litros, son 1 € por repostaje).

Te tiras 4 años pagando esos 2 céntimos y luego llega la Comisión Europea y dice eso es ILEGAL, anda!! lo mismo que tú pensabas, pero ahora te dicen, ahhh!!! santa rita rita, te voy a seguir cobrando porque me da la gana, y si no me pagas por visita me vas a tener que pagar 2 céntimos por otra cosa. Así que te quedas como estabas, eso sí, aún más cabreado porque ves que alguien te da la razón, pero como si nada.

En mis palabras cutres, NUNCA ENTENDÍ ESE IMPUESTO, DESDE MI PUNTO DE VISTA, ME ESTÁN ROBANDO, a quién se puede protestar por algo que no consideras justo???

+10

# 23 , sirialuna

7 de Mayo de 2008, a las 11:16.

los bicios y lae economía…..vais alucinar con esto

hay una persona a la que conozco que su marido retirado sigue cobrando un sueldazo, ella por enfermedad no trabaja , y su hijo es un vividor.27 años no trabaja se busca excusa para no hacerlo, convenció a los padres para que le pusieran el prestamos del coche a nombre de ellos…
tienen un piso en barcelona centro y una casita en las afueras , y un hobby muy interesante el bingo.
bien no llegan a final de mes , pero en vez de solucionar su situación económica prefieren ir llorando aa pedirle dinero a sus mas allegados diciendo que no tiene para comer, que tiene que pagar muchas cosas, dinero que le han prestado ya no lo han vuelto a ver ya la semana ya se lo estaba gastando en el bingo si no hay para comer que hacen en el bar todas las mañanas desayunando, su hijo tocandose los huev……en casa, se gastan mas de 400 euros en tabaco al mes ya que los tres fuman, pero se siguen sintiendo unas victimas de la sociedad y con derecho a pedir. Cuando ya se han visto ahogados, porque le toca pagar hacienda uno dineral, y por varios créditos que tienen, nos enteramos que resulta que tiene uno de esos que te prestan 3000 euros a muy altos intereses….y la solución que se le ocurre es pedir otro crédito para pagar los otros créditos(vay solución suicida)
el casa es que el piso de barcelona no lo utiliza para nada, bueno si para que su hijo viva alli estupendamente sin trabajar ni pagar nada.

no creeis que la solucion e svender ese piso den lo que le den porque está cuentame de hace 40 años , y pagar todas sus deudas, se arregla la casita la otra y le queda dinerillo para ir tirando…..pues no ella la mejor solucion es pedir a los demas dando pena.se lo das y claro a la semana ves que esta en el bingo.

eso tiene una palabra y se llama vividores a costa de los demás , de que es extrañar que el hijo le salga igual.

# 24 , JAC

7 de Mayo de 2008, a las 11:16.

#22, ANO-NIMO

Quizá se debería hacer distinción entre artículos de 1ª necesidad y artículos de lujo.

Lo coherente sería que los de 1ª necesidad, mantuvieran/bajaran su precio y los de lujo se incrementaran hasta las nubes.

Pero como estamos en la ley de oferta/demanda, y ante esta crisis, el lujo se demandará cada vez menos, por lo que el resultado es inverso al coherente… resultado:

Alquiler de vacaciones = lujo = baja demanda = disminución de precio

Alquiler vivienda habitual = 1ª necesidad = mayor demanda = aumento de precio (a esto ayuda la ayuda(valga la redundancia) de los 210 € famosos.

# 25 , Pratenc

7 de Mayo de 2008, a las 11:17.

#17 Jesus

Por curiosisdad, ¿donde vives? Soy de Barcelona y por lo precios que mencionas aquí nos han tomado el pelo todavía más. Debemos haber sufrido una parida Peseta/Libra Esterlina, por que:

Entrada de cine 6,80 €.
Barra de pan 0,90€.
Cafelito 1,20 €.
Piso por 240.000 € = Zulo a reformar sin ascensor de 50m2.

+33

# 26 , isolda

7 de Mayo de 2008, a las 11:19.

hipotecadohastalamedula, yo también soy asturiana, y estoy totalmente de acuerdo contigo, pero lo que más me sangra es que esos “beneficios” sanitarios no se ven por ningún lado. Ni hay más médicos, ni es más rápido a la hora de las citas a los especialistas ni hay nada nuevo, y encima el hospital de Oviedo (en construcción) tiene unos sobrecostes de la leche.
Amos, que pagamos y va todo a una bolsa rota, por que beneficios ninguno.

+19

# 27 , anonimous

7 de Mayo de 2008, a las 11:20.

#14 Te planteo otra historia.

Don pepito consigue su préstamo, y Don Burbu siente una terrible envidia porque
él no tiene ese dinero. Entonces le empieza a comer la olla a Don pepito: “Mejor dame ese dinero a mí,
porque he leido el horóscopo y dice que mañana no podrás pagarla. Tu vida se arruinará. Lo dicen los números.”

Don pepito no puede contener la risa y le manda a freir monas.

Entonces Don burbu va a pedir un prestamo similar a Don José, pero Don jose le dice que no es de fiar. Extrañado, Don burbu dice: ¿Y don Pepito es más de fiar que yo? A lo que Don josé responde: “El tenía ahorros, su familia le avaló, y además vino a pedirme un prestamo cuando yo todavía tenía dinero. Ya no me queda dinero que prestar”.

Al pasar el tiempo, pepito no pudo pagar los 10.000€, y Don José le reprendió y le arruinó a base de embargos.

Don Burbu se alegraba de la desgracia de Don Pepito. No sólo porque Pepito ya no le restregaría su dinero, sino porque Don José se había cobrado la deuda y ahora tendría dinero para prestarle a él.

Entonces Don Burbu volvió a ver a Don José: “Préstame dinero, ahora que se lo has embargado a Don Pepito”

Entonces Don José sin moverse levantó la mirada a Don Burbu y le dijo: “¿Tú te crees que después de lo que me ha pasado voy a darle mi dinero a seres miserables que no tienen donde caerse muertos?”

Don Burbu se fue cabizbajo asumiento la realidad que nunca quiso aceptar: que era pobre, y que siempre lo sería.

Así que todo quedó como al principio. Don José era rico, y los demás pobres. Chimpón.

+24

# 28 , Anónimo

7 de Mayo de 2008, a las 11:24.

yo alucino con algunos foreros, de verdad!
20#
huelga de hipotecados… cuando pediste la hipoteca te pareció justo que te dejaran un dinero que no tenías? te pareció justo el precio que pactaste con quien tú quisiste? no creo que a nadie le hayan forzado a firmar una hipoteca que necesitaba para la casa que libremente eligió comprar. Otra cosa es que compraras una casa más grande de la que podías pagar o en un sitio mejor del que podías permitirte, pero venir ahora con que no la vas a pagar, ufff me parece muy fuerte. Qué tipo de interés consideras justo??

23# Iceman
hipotecas a 25 años??? quién no te la hace a esos años? cualquier banco que se la pidas te la da a 25 años, luego lo que estás pidiendo es que al resto no se la den a más años. Supongo que de esta manera piensas que al tener menos acceso a las hipotecas, se venderán menos pisos y bajarán los precios. Pues nada, limitamos también a un nivel de ingresos, a un nivel de intelectualidad y que sólo compren unos pocos para que les salga más barato.

+35

# 29 , Fausto

7 de Mayo de 2008, a las 11:24.

Euribor Semana 4,255
Euribor 1 Mes 4,386
Euribor 2 Meses 4,676
Euribor 3 Meses 4,856
Euribor 6 Meses 4,879
Euribor 12 Meses 4,96

# 30 , JAC

7 de Mayo de 2008, a las 11:25.

#29, anonimous

Buena la fábula, faltaría el final, indicando que hizo Don Jose con todos los pisos embargados y sin querer dejar dinero… ¿montó una inmobiliaria?… de cualquier forma, bonita fábula… ¿es de Esopo?

# 31 , anonimous

7 de Mayo de 2008, a las 11:26.

#17

900 euros al mes???

pues vaya mierda de sueldo, aún en los tiempos que corren. No se como alguien que gana eso se plantea si quiera que puede aspirar a algo…

Si uno gana 900 euros al mes, no puede dar muchas lecciones de economía, creo yo….

Los que tienen pasta, no reprenden a sus vecinos por su manera de gastar el dinero.

-58

# 32 , JAC

7 de Mayo de 2008, a las 11:28.

#31, Fausto

7 de Mayo de 2008, a las 11:24.

Euribor Semana 4,255
Euribor 1 Mes 4,386
Euribor 2 Meses 4,676
Euribor 3 Meses 4,856
Euribor 6 Meses 4,879
Euribor 12 Meses 4,96

Parece que llega una estabilidad dentro de la inestabilidad…. ¿no?

# 33 , TRI

7 de Mayo de 2008, a las 11:32.

SE ACERCA EL 5%

-12

# 34 , JAC

7 de Mayo de 2008, a las 11:34.

#32, TRI

Esto me suena a aquello de ¡ que viene el loboooo !!!!!

-4

# 35 , TRI

7 de Mayo de 2008, a las 11:40.

Auuuuuuuuuuuuuu que mañana se reune Trichet ….

-6

# 36 , Fausto

7 de Mayo de 2008, a las 11:42.

#33, JAC

Si… parece que si… despues de la reunion volvera a bajar hasta el 4,7 o asi supongo, el mes que viene rondara el 4,5 otra vez.

Dios… este foro continua igual de contaminado con los trolls…. creia que despues del puente se quedarian en el.

Buena estrategia de la cache pero no ha funcionado xD

# 37 , JAC

7 de Mayo de 2008, a las 11:43.

#34, TRI

Mmmmm.. ¿Trichet?….. ¿quien es ese Sr.?…..

¡ Ah ! ¡ya!, ¿no es aquel que habla mucho, pero no dice nada?

# 38 , Martínez

7 de Mayo de 2008, a las 11:44.

Estoy con Fausto, por mucho que duela admitirlo, estamos en un euribor de lo mas normal, (estoy hipotecado) tenemos dos opciones, o acostumbrarnos a esto , un punto arriba otro abajo, o esperar a que la crisis obligara como en EEUU a bajar tipos, que de sto no depende España sola esta toda Europa, yo prefiero un euribor estable entre el 4 y el 6 me estrañaria que subiera al 10 como dicen algunos por aqui.

Un saludo.

+17

# 39 , JAC

7 de Mayo de 2008, a las 11:52.

#35, Fausto

Sería lo coherente, pero ya se buscarán algún dato/notícia para justificar algún tipo de “nueva desconfianza” para que los que SI pagamos religiosamente, corramos con el coste de la prima “enjuagante” de su morosidad creciente.

Justifico (para los incondicionales del “te jodes ¿porqué pediste dinero?.. ahora lo devuelves con el interes que quieran”)

Cuando solicitamos nuestras hipotecas, deberíamos haber sido conscientes de que el tipo era variable y haber previsto que el BCE no los mantendría siempre entorno al 2%, pero lo que no es de recibo es que paguemos una prima, de 50 puntos básicos, sobre el diferencial porque entre los bancos haya desconfianza o por lo que ellos quieran contar.
Se debería regular de alguna manera el diferencial TIPO BCE/EURIBOR

+11

# 40 , ANO-NIMO

7 de Mayo de 2008, a las 11:55.

#24, JAC

Está claro que uno es necesidad y lo otro no pero en alquiler de vivienda habitual también se moderarán los precios porque muchos vendedores de pisos de segunda mano que no pueden vender su piso acaban por alquilarlo, porque un piso vacio es un gasto. Además las grandes inmobiliarias también están comenzando a apostar por el alquiler. Oferta va a haber mucha en alquiler ya que sobrán pisos, unos 1.500.000

# 41 , isolda

7 de Mayo de 2008, a las 11:55.

Ais, quien ganara 900 euros al mes, anonimous, para pagar una hipoteca y vivir no creo que de, pero si que te pueden dar lecciones de economía para como pasar el mes con 900 euros y no morir en el intento, Dios, que de provecho se le puede sacar a un pollo jajaja :P, filetes, croquetas, caldo, psé y eso que es un ave de 2 kilos y poco, si llega a ser un avestruz acabo con el hambre en el mundo jajajajaja.

+39

# 42 , iceman

7 de Mayo de 2008, a las 11:57.

Hola a todos.

Para “#27, Anónimo”, simple y sencillo.

a) Jubilación tranquila.
b) Inmobiliaria/Promotora/Constructor fija un margen de beneficio NO BURBUJIL.
c) Alquileres más baratos sin necesidad de ayudas (220€).
d) Realidad de cuota en el caso peor para el futuro hipotecado.
e) NO al negocio con la vivienda como un bien de primera necesidad.
f) Esta medida obliga a nuestros gobernantes a NO CENTRAR a la 8ª potencia económica a base del ladrillo y buscar otras fuentes de desarrollo económico: industria.
g) NO al problema SUBPRIME.
h) Ordenación controlada del suelo.
i) No a la edificación masiva en cortos periodos de tiempo.
j) Aumento de la NATALIDAD.
K) Aumento del consumo.
l) Baja la inflación.
ll) NO a la posibilidad de aumentar y sobrevalorar una vivienda por la posibilidad de aumentar una hipoteca hasta 50 AÑOS.

Podría seguir todavía más, pero creo que es suficiente. De nuevo reivindico:

FIRMA HIPOTECA A 25 AÑOS 1ª VIVIENDA.

sugerenciaHIPOA25@yahoo.es - Se necesitan colaboradores.

firmahipoveinticinco@yahoo.es - Recogidas 100 contactos y en aumento. Nombre + Apellidos + email de contacto (NO NIF NO DNI)

“Linces por borregos.”

-9

# 43 , Jarril

7 de Mayo de 2008, a las 12:11.

#5, Breogan

Lo chungo de esos anuncios de créditos, aparte de los extraordinarios intereses, es el público al que va destinado.¿Quién puede necesitar pasta rápidamente, al interés que sea (posiblemente sin saber lo que es el “interés”) ya la vez estar viendo la tele por las mañanas de 9 a 12 aprox.? ¿Parados / Jubilados?
Y no será precisamente el público al que va destinado un colchón lomonaco… (Aunque vaya usté a saber si el crédito lo quieren para un colchón)

# 44 , jlumietu

7 de Mayo de 2008, a las 12:13.

#27, anonimous

Ahora te planteo yo unas modificaciones;

Resulta que deon Burbu es una persona de similar nivel adquisitivo y estrato social que Don Pepito, no es ni un sin techo ni un muerto de hambre, ni siquiera un despilfarrador de los de BMW serie M financiado a 10 años.

Su único pecado es hacer nacido 8 o 10 años después que Don Pepito, y en lugar de acceder al “mercado” (sic) de la vivienda en el intervalo 1998-2000, lo intenta en 2006-2008, cuando se encuentra que por los excesos cometidos por promotores, banqueros, timbiliarias, pasapiseros y, por que no, pepitos, ni puede acceder a unos precios de ladrillo estratosféricos, ni consigue financiación…

Conclusión, están apañados, tanto don Burbu por no poder acceder, como don Pepito, que se comerá la hipo puente cuando no pueda vender su pisito actual para comprar el duplex de nueva construcción… y ya sabemos como sigue la historia

# 45 , sam

7 de Mayo de 2008, a las 12:13.

Firmé en marzo mi hipoteca con revisión anual excepto la primera revisión que es a los 6 meses. De esto último me alegré cuando firmé porque en esos días el Euribor estaba aun por debajo de 4,5% y lo más importante, a los bancos (ya Solbes) se les llenaba la boca con lo de que el euribor iba a bajar, y con aquello de que “el euribor ha tocado techo”, que quedará para la posteridad como aquellá célebre frase de Bush Sr.: “read my lips, no new taxes!”.

Felices me las prometía y me estoy viendo venir el ostión cuando llegue Septiembre y me revisen con el euribor de Julio. ¿Alguien me podría aventurar (abstenerse Solbes, BBVas y resto de iluminados, ah! y Atila y sus fustigadores, que para amargarme ya me basto yo solito) por donde andará la media del euribor de Julio?

# 46 , krollian

7 de Mayo de 2008, a las 12:13.

#3, hipotecaohastalamedula

¿Ilegalidad? Zaplana, Taguas, los Albertos y un larguísimo etcétera. Políticos mediocres, justicia y banca van de la manita. Y al ciudadano corriente y moliente con nómina le dejan pelao, pelao…

Sólo en el sector de la construcción, no damos abasto con los titulares… y la Justicia de este país tampoco.
Leyes que se cambian o no se cumplen, burocracia inoperante. Y si no nuevos marcos políticos (llamense estatutos de Autonomía o como se quiera) que sencilla y llanamente buscan legislar a favor de unos pocos para fastidiar (por decirlo finamente) a la mayoría. Buscar mas dinero para administrarlo a su manera.
Y la plebe, ahogadita…

# 47 , JAC

7 de Mayo de 2008, a las 12:16.

#40, ANO-NIMO

Lógicamente cuando la oferta supere ampliamente a la demanda, bajarán los precios, llevas razón.
De momento, en cualquier página inmobiliária, la proporcion venta/alquiler es de, como mínomo de 200 a 1……
Todo depende de la celeridad en el aumento de la oferta.

# 48 , mario

7 de Mayo de 2008, a las 12:17.

Las finales de la Champions League para España:

- España, país de UE con mayor caída interanual de ventas minoristas en marzo
http://www.invertia.com/empresas/noticias/noticia.asp?idDoc=1948826
- España encabeza los países de la UE donde más subió el paro
http://www.elmundo.es/mundodinero/2008/04/01/economia/1207041841.html
- España, país de UE con la mayor caída de producción inmobiliaria
http://www.elmundo.es/elmundo/2008/01/17/suvivienda/1200568046.html
- España, el país más afectado de la UE por la subida de las materias primas
http://www.abc.es/20080422/economia-economia/espana-pais-afectado-subida_200804220251.html
- España es el país de la Unión Europea que más incumple los objetivos del Protocolo de Kioto
http://www.eldiariomontanes.es/20071128/sociedad/espana-pais-union-europea-20071128.html

# 49 , Pratenc

7 de Mayo de 2008, a las 12:17.

Sobre lo de la hipoteca máximo a 25 años me parece que va a caer en saco roto. Los bancos no van a renunciar a chuparle la sangre a la gente durante 30, 40 o 50 años. Y la gente que tiene más de 25 años, mucha, montaría en cólera.

De todas formas, pienso que sería una buena medida. De echo, uno de los muchos motivos de nos han llevado a esta situación ha sido que los bancos se hayan saltado sus propias reglas a la torera. No sólo los años de hipoteca, sino dar más del 80% del valor y por encima del 40% del sueldo.

# 50 , sam

7 de Mayo de 2008, a las 12:18.

encima el diferencial del primer periodo (6 meses) es más bajo, 0,17% ya partir de Septiembre me aplicarán el “normal”, 0.41%, luego hay que añadirle un 0,24% extra…menuda “Trinchada” me espera…

-4

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