Charles Darwin, a biologist and an economist ...?

The evolution of inflation caused by speculation of food and a disproportionate rise of oil will cause a rise in the Euribor unfortunately. In this case I think we all have unanimity.

Only a drop in oil below 100 dollars and lower inflation (unlikely Trichet will be retrained to ...

The problem is twofold if all the above banks have tightened the credit terms and increased the differential. Specifically, in large Spanish entities are already talking of 1%, something unbelievable just a couple of years.

Bad time to ask for a mortgage ...

Well today I MUUUUCHO WITH EFFORT, ie without going out to dinner, without spending in spurts and not go traveling without buying plasma TV, but rather fixing the 16 years since I got married, I paint at home, watching the prices of what we buy etc etc, eye, and without depriving them of anything, that's something else, I'm going right now the bank to recoup my capital loan for 3,000 euros, is little but a few shares.
I think I'm doing well, as I say, because as is putting the Euribor, as well, the sooner you remove me from the above better than best.

# 4, Rodolfo
Since then much of economics is not only what I learn here and by other means, but according to having understood, is the Euribor interbank interest at which banks lend money, or interest to "buy" money .

Please, if this is not like that, or I am wrong I am open to any correction and explanation, that we are here to learn and try to give our opnion, making constructive criticism.

A greeting.

estube yesterday talking with a friend who told me of an acquaintance who estudiba with us in the insitituto (those wonderful years)
and I remain surprised me when I said that this friend wears a year living in Santo Domingo who was on vacation with his wife and I both liked to be rethinking stay to live there and a bunch restaurant in the center, sold his house and was 60,000 euros and there is a whole BARATÍSIMAS English on our beaches is the master, and you are buying a residential house with a pool 3 bedroom for $ 39,000. and the local restaurant dolares.es 12,000 for a plum! said that the ad was really burned by what was happening and worked in an advisory to women and their replacement of valencia hospital, but to see guys are forms to think and as I have always said in coña plan

making the bags that go here and this fish sold.

passing a good day.

Hello Friends Readers.

This morning all, I have gone through the door of a school, all the babies with their parents or backpack in hand with ruedas.La majority of those with the bag of sandwiches and others with the Bollycao (I always wore the bread with butter or salami which was healthier but it managed to understand 10 years later).

Well a little boy slips in a puddle and father, and how it will implement it with tissues as adecenta, gives him a hand and help you come through the door.

My question is, if you decide to ride with our savings this business that we aspire to get rid of the head, and resbalásemos, Dad would get up to state, adecentarnos and the hand we solve the cake, which is what employers are demanding more expensive than back ...

Another question, why CoJ ... .. raises the receipt of light by 11%.

Good, rainy days.

# 14, kike

"English is like an on our beaches is the master"

I've been to London and I can assure you that the prices are like in Spain, half a pint 1.6 pounds in euros are about 2 euros.
A kilo of bananas 2 pounds, 8 pounds a book a hotel room 68libras and the pound is 1.25 euros.
London is so expensive that it was before, now there is hardly any difference.

Spain is very expensive and the English know it, which is now in London is purchased the house in Croatia, not in Spain.

Good
Have you seen competition from ING: http://www.ibanesto.com/cs/Satellite?canal=ciBanesto&empr=iBanesto&leng=es_ES&pagename=iBanesto/Page/IB_PageHome&vista=016
How much more will bite looted.

A greeting.

I ALWAYS THOUGHT THAT HE THOUGHT OF ALL WE CHANGE OF LIFE AND GOOD SITE BUT MORE VALE KEEP WHAT WE HAVE THE RISK BECAUSE YOU CAN LEAVE OR MORE, BUT SO IS THAT I hear AHI BY SPAIN IS NOT PAY AND THE PEOPLE VA OUT .... Because it will be?

ANO-Nimo

SALARIES OF LONDON are higher than in Spain and you know it?. HABRA OF EVERYTHING BUT SO ARE MOST GENERAL ALTOS.YO A FRIEND ALSO KNOW THAT LIVES THERE IS HERE IN MADRID AND CHEMICAL paid EURO 1500, THE IN LONDON A LABORATORY IN EURO 4000 VAMOS.

And the "MOCADORADA" (dedicated to my countryman Atila) to ... Euribor up up!

As the memory of the forum trying to remember the best reviews.

# 205, Euribor up up!

May 16, 2008, at 20:32.

MORE applause WHY HAVE ALL THE REASON.

VERY GOOD COLOR.

By the way ... when he says "pull down" means "to suck the blood currantes."

# 212, colors
May 15, 2008, at 20:21.

In Spain have been used to pull down.
The government we all indirect tax rises and we retain more on the payroll. Apart from removing a tube deductions in the tax return.
The city councils up the taxes on property and buildings, traffic, garages and so on ... ...
employers rather than decreasing its profit margin. if they sell less .... rising prices (sell less and earn it themselves.
Banks, insurance companies etc are going up all the committees.
The gasoil ashamed miss (seriously, I think that when a liter of diesel costs more than a liter of milk something very serious is happening)
We view the rise in 4 months twice on Jan. 3% and 11% now.
Public transport 15%
When I ask myself outbreak of the great bubble is that the Spanish economy?

What the family economy holds the trilogy ... ... Inflation Euribor + + salaries Africans?

How long will listen pans in the streets Spanish?

Catastrophist'm not expected to seriously think that we wake up tomorrow with a Euribor less inflation and a 2% increase in salaries of 20%?

A greeting.

# 25
that is why you have!

We 3rd mundistas salaries, and on top of the immigrants come from outside to perform the work that we do not want to "Spaniards.
They do not want to do because they pay 4 hard because these immigrants are more than 4 hard as they charged in his country.
So everywhere we fuck.

All we had to go for a general strike that the minimum wage today are the second price was 1,400 euros.
And with incremental increases for everyone, not just for the few.

It is unfortunate, seeing as almost every month the same product in the super, rises and rises without stopping, but wages are kept.

I every time that I read in some media, that the bank has had 30% more revenue than the year before ... I am in bad Reviews .. They want more and we fuck more.
Tn then, that phone has won 20% more than last year .. but the ADSL is still very expensive .. etc ...

Let's stop wrong, and only time to time.

All we had to unite and fight for our rights.

GENERAL STRIKE NOW.

# 28
Sisi, miserable salaries, economics pedal, but due to higher proportion of billionaires in europe (current accounts with more than nosecuantos million and bestial heritage ...)
they do not know will not be spread?
Look 2 weeks ago, 600,000 people from madrid to the league, if there, people are made to the street, but for the price increases we are experiencing excessive (electricity, water, gas, purchases cesta, gasoils, taxes ....) for that nothing, quiet and locked up at home watching football or pink sauce .... subidita the light of this that lies ahead, it will come in very well with the industry to overcome the bumps that are taking either the govierno (ironic mode) - '
And speaking of the broadband, telephone is 4 times cheaper in england q in their homeland, and we adsl slower and more expensive on the planet, and but, far-fetched in the network .... We are the worst!

How is it going to get the Euribor to 5 if the ECB lends to 5 without restriction? If I am not going badly, does not exceed 5 until the ECB to change rates.

# 24, Carlos Hanini

Well, if .... You can request a multicurrency mortgage and pay interest to a spread of japan +. That .. Not everything is so beautiful, there are risks ...

Example, € 300,000 mortgage, the yen rises by 10% against the euro and enhorabuen now owe 330,000 #!!!, but can also go to low if the euro rises ...

Each month you exchange the share according to the Libor (I think it was well ..) and add a 0.2% share of costs of currency exchange.

I also remember that you can change currency, so if you will, as always under a commission which I think is about 0.2% and 0.5% ...

In short, it is possible to do it, but you have to be very outstanding foreign currency, and take a risk ...

I hope you will be useful to all ...

By the way ...

@ A Forer said the other day that we should not focus on saving by reducing the consumption of unnecessary things and dispensable ... that would be the "whiting that bites its tail" and that if I leave you to consume, for example in a bar owner in reduces profits from the bar and the waiter pouring, and this being on the dole and not to consume no longer pay the mortgage and will be arrested, and unemployment will increase and that will affect the state's surplus, while if the owner of Coca Cola, to no consumption, reduces profits and more people pouring into the streets, and these in turn fail to consume ... and so is the evil circle ...

Well, my view is that I'm not where I need to fix this whole Follonica ... because I am not the culprit.

That employers do not have TAAAAAAAAANNNTOS BENEFITS!

# 29, Single

My keyboard, American has no accent marks. Neither the mark (with the tilde o) Spanish nor enye ...
Sorry (with the tilde o)

A curious story that I have passed:

Once people came to a very well-dressed, was installed at the only hotel that had, and put a notice on the single page of the local newspaper, that he was ready to buy every single that brought him for $ 10.

The peasants, who knew that the forest was full of monkeys, ran to hunt monkeys.

The man bought, as he had promised in the notice, the hundreds of monkeys that brought him to $ 10 each without jokes.

But, as there were very few monkeys in the forest, and it was difficult to hunt, farmers lost interest, then the man offered $ 20 for each monkey, and the peasants ran into the forest again.

Again the monkeys were diminishing, and the man raised the offer to $ 25, and the peasants returned to the forest, hunting the few remaining monkeys, until it was almost impossible to find one.

At this point, the man offered $ 50 for each monkey, but, as had business to attend to in the city, leaving his assistant in charge of the business of buying monkeys.

Once the man traveled to the city, his assistant went to the farmers by telling them:

- Look at this cage full of thousands of monkeys that my boss bought for her collection. I would offer to sell you the monkeys for $ 35, and when the boss returns from the city, was sold for $ 50 each.

The peasants gathered their savings and bought all the thousands of monkeys that had been in the big cage, and waited for the return of the 'head'.

Since that day, did not come to see either the assistant or the boss. The only thing I saw was a cage full of monkeys who bought with their life savings.

# 12, Attila, King of the year

"That's why the future is fraught with whip: Attila, fyahballs, Euribor up up up ... In this crisis the cipotecados perish, leaders of society survive."

Yeah, well ... you know that of all extinctions, and all the screens cockroaches have always been those who have survived

Buenos dias a tod@s los euribenses:

Solo para refrendar y poner de manifiesto lo que todos sabemos. Ahora los bancos no quieren que movamos la hipoteca. Saben que la gente está mosqueada y cambia sin preguntar si las condiciones son mejores en otro lado. Y como los bancos y cajas lo saben perfectamente…Mirad que me ha llegado por correo, en relación con la revisión de mi prestamo hipotecario .

Copia literal del texto de la notificación recibida hoy

Estimado/a cliente:

En atención a su calidad como cliente y en relación a su préstamo de referencia __________ que mantiene con nosotros, le informamos que, sin carácter contractual, se le aplicará durante el período de 6 meses contados a partir del 9.05.2008 un tipo de interés del 5,29% nominal anual, si bien de acuerdo con lo establecido en el contrato inicialmente suscrito, le sería de aplicación para este período un tipo de interés del 5,59% nominal anual.
Si excepcionalmente se produjera el impago de alguno de los recibos en su fecha de vencimiento se aplicaría el tipo de interés que, para este período, correspondiera por contrato.

Atentamente, su Caja de Ahorros.

Estoy, literalmente, alucinado. A pesar de todo ello, en su momento y como previsión, suscribí un seguro de interés a la hipoteca y que tambíen voy a reclamar.

Todo esto me lleva a hacerme varias preguntas:

1.- ¿Cuánto moroso/impagado realmente existe en este país ahora mismo?
2.- ¿Cuánta gente está cambiando y renegociando su hipoteca con otras entidades diferente a la inicial?
3.- ¿Cómo estará la banca para bajarme, sin pedir ni reclamar nada, un 0,3%?

Esto huele cada vez peor .

Que tengais un buen dia.

Yo no entiendo una cosa, quizás vosotros que seguramente sois más inteligentes que yo me podéis ayudar a entender: yo no tengo casa propia y me gustaría tener una, pero como los precios son muy elevados no puedo comprar y estoy en alquiler. Un piso bonito, súper central en Barcelona (95mq + parking por 1.030 euro mes). Por el mismo precio no encontraría nada igual para comprar (entiendo hipoteca mensual). Tengo 38 años y tengo familia (solo yo trabajo) con un sueldo medio que está muy por encima de los mil euro.
La cosa que no entiendo es porque hay gente que se felicita si alguien no puede pagar la hipoteca?????? Cuál es la conveniencia que tenemos nosotros que no tenemos pisos, si lo que lo tienen no lo pueden pagar?
No sería mejor esperar que el Euribor baje, junto con los precios de los pisos para darnos a todo la posibilidad de ser hipotecados???????
Estoy de acuerdo que antes de comprar hay que hacer muchos cálculos, como por ejemplo endeudarse por solo el 50 – 60% del valor de la vivienda, pero al final comprar es lo único que no da la sanación de haber cumplido con algo, no?