Oil and gold

Much is spoken lately of raw materials and especially 2 with large speculative component, we mean the gold and oil. Go into detail on each of them.

In the world of jewelry there are various types of gold, depending on the components used different shades manage, mixes used are as follows:

Yellow gold. Alloy that is, for every 1,000 grams of the same, 750 grams of fine gold, 125 g of fine silver and 125 grams of copper.
Red gold. Here the proportions are 750 g of fine gold and 250 grams of copper.
Gold rose. The content of 1000 g presents 750 g of fine gold 50 g of silver and 200 grams of fine copper.
Palladium or white gold. For every 1,000 grams of white gold or palladium there are 750 grams of fine gold and 100 to 160 g of palladium. The rest is fine silver.
White gold. In 1000 g of gold gray there are 750 grams of fine gold and about 150 grams of nickel. The rest is copper.
Green gold. Contains 750 grams of fine gold and 250 grams of silver per 1000 grams of alloy.

In turn, the black gold also has different varieties with different mixtures (lightness and sweetness) that you can see in more detail here and you summarize the below:

Brent: It's the oil reference in the European market, but it is also true for 65% of the various types of global crude, which are referenced in the prices of which are expressed as a premium or a discount against Brent. The Brent due to its name from an oil field in the North Sea discovered in 1972 by Shell, and that after 1,300 million pounds of investment began pumping crude in December 1976. The Brent oil is of high quality, because it is , In the jargon oil, light and sweet (low sulfur content). Each contract for Brent, called batch, is composed of a thousand barrels of crude.
Dated Brent: It's the contract of physical oil market, where exchanging real barrels of crude, unlike the financial transactions of the Internaitonal Petroleum Exchange, where the futures contract is traded in Brent. As the production of Brent years ago which reached its peak and is now in decline, the contract Dated Brent refers to the prices today of a blend of crudes Brent, Oseberg and Fortier (all in the North Sea).
West Texas Intermediate: It is the oil of reference for the U.S. market, and listed on the New York Mercantile Exchange (Nymex), in New York. This is a very high-quality crude, above that of Brent, is light and sweet (the sulfur content of only 0.24%). Therefore, it is often quoted from two to four dollars above the Brent. Its future contracts traded on the Nymex for 21 years and have the highest level of liquidity and recruitment of all global crude. At the expiration of the contract, it can require physical delivery or cash compensation. The delivery point is located in Cushing, a small town in Oklahoma (United States), where is a focal point for the U.S. network of pipelines. Although the actual production of crude this is only the 365,000 barrels (0.4% of global pumping), are exchanged daily on the Nymex around 150 million barrels (almost twice the global oil consumption). The market traded 24 hours a day Monday through Friday meeting in electronics, and between 1615 and 2030 (time peninsular Spanish), in rings parquet. Although the electronic market tends to mark the opening of the trend, the market really important is the parquet.
Dubai: He is Crude reference to the heavy oil and sulfur in Asia, and are referenced on, through a premium or discount, other crudes from the area not listed on the market. The Dubai is a type of low-quality oil that is heavy and high in sulfur (2.04%, five times more than the Brent). In recent years its importance has grown along with imports of crude oil from emerging economies in Asia, especially China.
Arab Light: For decades, Arab Light, produced at the legendary Ghawar oilfield in Saudi Arabia was the world reference for the price of oil. Between 1950 and 1981, the price of crude was set as a premium or discount against the Saudi variety, whose main export is Ras Tanura, the largest oil export terminal in the world. The Arab Light crude is a medium, but its production is huge: at present, more than five million barrels. Its reservoir, Ghawar, is the largest in the world, with estimated reserves of 70,000 million barrels. In years in which the Arab Light was the benchmark, OPEC members talked days to agree on the price of that oil.
OPEC basket: OPEC sets its oil policy decisions with their eyes fixed on the so-called OPEC basket [OPEC basket], an average of seven varieties of crude: Saharan Blend (Algeria), Minas (Indonesia), Bonny Light (Nigeria) , Arab Light (Saudi Arabia), Dubai (United Arab Emirates), Tia Juana Light (Venezuela) and Isthmus (Mexico). As the OPEC basket is composed of a majority of crude quality medium-low, is often quoted with a strong discount with respect to crude of high quality. Versus Brent, is often quoted around two barrels below and in front of the West Texas Intermediate, the discount ranges between four and five dollars.

I hope now is more or less clear who is the Brent and why it is cheaper than West Texas. In the background is logical, not all oils are equal and therefore must have different prices.

Frankly when I started the blog, do not ever think that the black gold was going to have so much prominence, but in December 2005 which was the month that I started to write (well, then I simply cut and paste) the cost of oil rather than half and that, even if it appears to lie and influences much on your mortgage.

Let's look at the day's news, some are very oil:

The IEA believes that the world is moving towards the third great oil crisis.
OPEC will not change the levels of crude production at its next meeting
Is it possible to build cheaper housing in Spain?
Three of every four savings banks have to go in search of the interbank liquidity
The bank wants to get rid of the portfolios of loans linked to immigrants
To end this joyita: Solbes called "irresponsible" to complain that errors in the drafts. So I regret my lack of having published the drafts of the statement is a mistake that allows the state to enter quite at the expense of taxpayers. More information about this error in Section 737

As such, you are not irresponsible.

Written by Carlos Lopez on June 12, 2008 with 276 points.
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Real CPI (Nov. 13, 2008)
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# 1, Euribor up up!

June 12, 2008, at 9:45.

Very good!

Before any comment, for which it has not been seen on TV this morning, this is the picture in government:

- A Solbes has already escaped that "... to settle this crisis we need to ..." and asked if he thinks it will soon resolve the strike and said "we will see"
- A Zapatero was not even heard the word "crisis" and said only "strong slowdown" and he asked if you think you will soon settle the strike and has said a "yes" overwhelming.

Question: Who do if? Solbes to me at the moment ...

On the other hand, I wonder if this is what I invented (and I am a liar and a pessimist) or is the REALITY (pure and hard ... but do not want to see) ...

Take that car sales have fallen by 30% according to official data ... (that when they say that's because they have fallen by 50% ... as we all know, because what we have done is to enroll them car dealers who then offer Km . 0)

Already we have ... and a quarter (and what we have ... because in 2008-2009 are going to sell a 50% less than the average over the last decade)

Employers in the automobile were already planning for the ERE and other paperwork to reduce their workforces in half ... but ... the problem was ... What I say to all employees that we ...? (cipotecados eye that many are up to the eyebrows ... and I also want this if it negáis)

Well, well ... come carriers and block supplies ... and TACHÁÁÁNN! Problem solved for employers in the automobile ... and have very good excuse to throw in half of its workforce "PUTA THE STREET."

And employees are cagará.n. on the carriers ... and no they will realize that they were already on the street before the strike.

Well ... if we look at how many people we talk to ... I guess that in total will go to the streets 50,000 people ... there will be cipotecados between these?

And we all know that in many of these companies THE TWO MEMBERS OF THE COUPLE / MARRIAGE working together ...

From here ... we can all draw the future that awaits them ... default and EMBARGO.

And with 5,000 housing units such ... put (sure I stay short! Only get a 10% cipotecados ... !!!?) what we do?

Well ... will join the million who are unsold ... and then there will be more supply of flats ... either to rent (lower prices) or for auction (fall in prices for someone who can afford them).

A final question ... THIS JUST I see it? or is it should LIVE IN A WORLD OF PARALLEL TO THE REST OF SPANISH?

And now I will continue my lies and inconsistencies ... and ponedme negative and the reality that certain changes.

Good morning.

+66

# 2, CVR

June 12, 2008, at 9:46.

Good morning, everyone s:

Last night I stayed up late reading the comments of the forum. Such was my unpleasant surprise to find a multitude comment "Garbage" that occupied scroll and scroll most of my screen that I have decided to write this post early in the morning so everyone can read and comment on it.

On the one hand we were to rentals and / or investment funds or deposits to their arguments every day more and more evidence (for the moment, we will see in a few years ...) but with the same tone "Borreguiles," "painful" and lewd as ever. On the other hand we had mortgaged to that, tired of the comments vexatious, pimping and disrespectful of the former, have launched a counteroffensive with messages, not least out of that first pitch, associated with inflation and the damage deposit.

Specifically, I would venture to bring those responsible.
- Rented: Attila, Pratenc, Fyahball, Chinese, Carsola, ...
- Mortgages: Inflation up up UP!, Otherburbu, which stings ...

I would urge people to express their views on this vein and, through positive or negative in this post, indicating both sides are exhausted YA hostilities.

Finally, CLopez to indicate that, if by some chance of democracy, this post was voted the most of the week (which would mean a clear rejection of such messages), which is not treated as such, to be content forum-social and not economic.

A greeting.

+239

# 3, Imanol

June 12, 2008, at 9:47.

By the way,

"ECB might reconsider its stance on rates, according to France
08:41 The French economy minister, Christine Lagarde, said today that the European Central Bank could change its position on interest rates after the meeting of G8 finance ministers in Osaka. The ECB has said that interest rates could rise in July and has expressed its concern about inflation. "The ECB is working on a indicadro, radar, which is inflation," he told the radio station RTL. "I think the talks internacinales, including Osaka, which starts tomorrow, is unlikely to result in reconsideration of its position."

http://www.invertia.es

-Greetings

# 4, Copero

June 12, 2008, at 9:48.

And as every Thursday, here I leave with you an excerpt from the blog of Roberto Centeno: Every Wednesday at the Torch of Cope

This week has been really special because from an economic point of view has proved to be the most black in 30 years. The brutal rise in the Euribor, which raises the price of mortgages to almost 6%, and oil, with a ton of diesel fuel rising more than $ 100 in six days, coupled with the collapse of the construction, manufacturing and services, take this winter to one third of families below the poverty line and make millions in distress. In fact, the chaos in major cities caused by the strike by transporters, is just a reminder of what can happen in a few months, with other groups like them who are at the limits of survival.

And in this situation is evident, that an ever more outrageously, the huge ocean of injustice in the distribution of income and wealth in the Spain of Zapatero. And so, while the luxury stores like Hermes, Chanel, Loewe, etc., where a suit is the annual salary of a mileurista, are fortified brim of leftist and pro-subsidized, 50% of households may not mortgaged this summer year, and millions have to make purchases and counting the cents.

Ie poverty to a majority, which for many rayará in misery, and unimaginable wealth for the elites close to power. We, the European country with largest increase in the number of millionaires, and the lords of the brick that did not lose their private jets, have already obtained government 5,000 million euros from the ICO, for, you asómbrense, avoid lowering the price their flats, and not complying with that demand even more money, something that Solbes is more than willing to give them, but says no longer have a penny to the needy, but is also required, not beg or ask to be used The reserve fund for Social Security, that is, saving for retirement, to buy their junk bonds, which are worthless and can not be placed on the market.

This, ladies and gentlemen listeners, the Spanish social Zapatero, which has declared the civil war a half-Spain, the decency, the family and the moral and ethical Christian, who plays Spain in the Champions League and it is the envy of Europe, the United Kingdom where some unions traitors, just go out to the street to support the government, or against the war in Iraq, and with sandeces as the "Not One Step Back," an insult to the working class, just when Mendez and Fidalgo the unworthy just blessed once again in 2007, that employers can appropriate the full productivity growth. Zapatero to work on the part of the national wealth has plummeted to the lowest level in Europe, and the lowest level since existing statistical series in Spain, a 44.5% compared to 55% in the mid-70.

Spain is the only country in the developed world, where the problem of sharing the wealth has been excluded from political debate, something that Zapatero is perfectly logical, but Rajoy simply unforgivable, even once removed the item, essential in any confrontation election, the most recent case in the U.S., where it has been the centerpiece of the campaign in the election of the Democratic candidate, and will be so in the presidential race. Clearly, if Rajoy of the principles, is willing now to accept the Statute, if approved by a Constitutional dominated by the government, because they think that this gives votes, even if this means the end of Spain as a nation, and not move a finger to protest the ferocious persecution of the Spanish language, how noses are going to occupy the distribution of wealth?

And in the meantime this government indecent, continues to say that there is no crisis, and distributed 400 euros, excluding the eleven million poorest citizens, those who no longer come to the end of the month, is it perhaps a greater injustice? Well, if they did not know, this is Zapatero and his Socialist social policy 100%, the only president that Europe has reduced the social effort, in other words, social expenditure as a percentage of GDP, and that in the era of fat, well Now when calculating the growth is estimated in May fell -1.9%, as the affiliation to social security has fallen by 2%, and productivity rose only 0.1%.

-13

# 5, Fernix

June 12, 2008, at 9:50.

Each time the politicians understand MAS ... ...
They can not lower taxes,
can not solve the problems of "crisis" (for them that word does not exist),
you can not take more steps to soften the economic desceleración, Marjan not have to maneuver ...
and above are as stressed ay qe reduced working hours ...
Lack of solidarity that we are not? POBRECILLOS!
Ride THE DAY THAT WE HAVE A 65-HOUR WORK
WE HAVE TO PAY MORE TAXES
WE HAVE TO RAISE THE SALARIES OF POLITICAL (at how well they do ....)
We need to reduce stress (LEAST THAT CURRAN, HOLDING SALARY GAP ...)
We must allow ourselves IN PUMP AND THAT BY DEN C ...

http://www.20minutos.es/noticia/388447/0/sueldo/diputados/bono/

ASCO DAN TO ME!

+90

# 6, aleale

June 12, 2008, at 9:54.

there goes my positive TRC.
I come here to learn, as the cliff is not worth me or write.
The truth is that they miss least make some comments.

# 7, Mano H20

June 12, 2008, at 9:55.

Hello everyone:

It seems that things are still painting chung, but today I am somewhat more optimistic on the topic of "atypical strike"

Instead I see that the stock market continues down.

As I think is better, in general, take things with a sense of humor, he will discuss the different categories of wages that exist. Here because usually there is much talk of "charge, therefore, both mortgage payment of rent, and so on."

So, I am not speaking of types of gold, but rates of pay.

I leave it on record that this information comes from something I have forwarded by e-mail and know who is the author.

The question is:

WITH WHICH OF THE FOLLOWING SALARIES YOU FEEL IDENTIFIED:

(Which of the following do you feel identified salaries for members of the forum)

* Onion Salary: See it, catch it and you get to mourn.
* Salary scoundrel: Do not help in anything, just makes you suffer, but you can not live without it
* Dietary Salary: It makes you eat less and less
* Salary atheist: I doubt his existence
* Salary Wizard: You make a couple of moves and disappears after ...
* Salary storm: You do not know when it will come, or how long it will last
* Salary black humor: We laugh so as not to mourn
* Salary condom: You cut off the inspiration and you win
* Salary impotent: When you need it most, you leave
* Salary menstruation: It comes once a month, lasts three days, and does not arrive when you hit the shock of your life.
* Salary Walt Disney: 30 years ago, which is frozen.
* Salary premature ejaculation: Just sign in and it's over ...

Well, I imagine that many already conoceríais. Goes for the rest.

Salu2 and we do well on the day.

+81

# 8, aleale

June 12, 2008, at 9:58.

copero fernix please, why not let politicization of the forum?
is a rhetorical question, I will not answer.

# 9, Anonimo

June 12, 2008, at 10:00.

And I say that if the origin of all this is beginning in the USA in the subprime that directly or indirectly are involved European banks, they can not demand accountability for the mismanagement of their funds?. My bad when I do my work take me to court.

+11

# 10, In Europe, "0"

June 12, 2008, at 10:03.

Greetings to all. What I'm learning from these past weeks is that our country or in Europe or click short, I think it matters very little what happens here and that the "weight" financial es'ta in other countries. Above us are going to go back to remove the quarter-finals.
Greetings.

+29

# 11, Anonymous

June 12, 2008, at 10:04.

A memo to those who complain that truck drivers were asked to subsidize diesel fuel, what are they different from the film industry? Why I should subsidize Julio Medem, Rosi de Palma, and other film workers to continue taking their ritimillo life and I can not subsidize my neighbor who has a truck?.

Certainly we should not subsidize any

+106

# 12, Copero

June 12, 2008, at 10:06.

# 9 Anonymous

... HOMBREEEEEE !!!!!!

At last someone who looks beyond the war in Iraq and the Prestige. Look at the evolution of oil prices since last summer so far. It no longer serves as the gold standard, very expensive, no longer serves the pattern dollar, very expensive ... now serves as the pattern BLACK GOLD, and what is left to raise, and not by supply and demand but by speculation. But that's not what you are going to recognize, because "subprime THE CRISIS WE WILL NOT AFFECT", "The Spanish bank has no subprime", etc, etc.

Put a different nick of anonymity, who knows who else to take seriously.

A cordial greetings and good morning.

-2

# 13, Anonymous

June 12, 2008, at 10:07.

# 1, Euribor up up!

Do not hired will have problems? Or make a selection in the ERE? Only cipotecados resign,

+40

# 14, Ayalga

June 12, 2008, at 10:09.

Very interesting article today.
By the time it did not learn anything entering the forum.

# 15, Pac

June 12, 2008, at 10:15.

Copero,
As you have the audacity to publish a purely political commentary which stated that "And so, while the luxury stores like Hermes, Chanel, Loewe, etc., where a suit is the annual salary of a mileurista, are bursting of Fortified leftist and pro-subsidized, 50% of households may not mortgaged holiday this year, and millions have to make purchases and counting the cents. "
What little embarrassed .... Leave to politicize this blog, you are always the same!

-9

# 16, Plaster

June 12, 2008, at 10:16.

Buy Audi Q7 because you do not like my wife.

Interested send an email to:

loschapuzasquesecreíanlosreyesdelmambo@hotmail.com

-23

# 17, Alma

June 12, 2008, at 10:17.

# 2, CVR
At the direction being taken by the forum lately (I think that reflects the madness that is located in the country by the crisis, the strike, the Euribor, the end of a model, etc.), it would be a little more focus . I would like hablásemos of why this situation (I do not think the blame has been neither of those who have purchased apartment to live or those who have not purchased and have been for rent). Do you have anything to do with the trend of this country "Pelotazo," the easy money?. I think we are in a false argument between the mortgage and not mortgaged to the end, are two sides of the same coin and the debate is already at a point sterile.

+36

# 18, demiurge

June 12, 2008, at 10:17.

Hello,
Very good article, what happens is that I think it is not just about types of crude but of ways to clarify them. That is, as is the reference, then a crude oil worth more or less depending on their composition on this.

"The oil production from Europe, Africa and the Middle East tends to be sold at a price which marks the barrel of Brent crude, ie, mark a suggested retail price for a standard or 65% of varieties of global crude, which is taken as regards. "

# 19, anark

June 12, 2008, at 10:17.

A greeting to the Peseta!
The wanted, the odié, ... the less.

+19

# 20, Mi007

June 12, 2008, at 10:18.

and if we talk about economics, mortgages, rented ... and so on.
Sometimes I think that makes ARTICLES Clopez in the head, not used for anything, in the end we talk about anything that has nothing to do with the topic of the day
Beijos.

# 21, tangerine mix

June 12, 2008, at 10:18.

It seems to me that this year many will be very dark in August,
because as things continue well the only thing that can be done in this country without paying (for now) is a sun.

+10

# 22, Early

June 12, 2008, at 10:18.

If you fijais when you're on TV, you dareis account. Scared the ZP.

+32

# 23, Ayalga

June 12, 2008, at 10:19.

# 2, CVR

I understand your contest and I agree with all of those who post do not bring anything more than nasty.

But those who took a little while longer by the forum as we have seen a year ago or so Forero who spoke of the crisis, and similar bubble had to endure all kinds of insults from the silly ass up. Anyway, I am afraid that now that the hired-predictors of crisis seem to be going to be easy to renounce the pleasure of revenge.

# 4, Copero

In general I like Rye but not you think it looks a little duster?

"And in this situation is evident, that an ever more outrageously, the huge ocean of injustice in the distribution of income and wealth in the Spain of Zapatero. And so, while the luxury stores like Hermes, Chanel, Loewe, etc., where a suit is the annual salary of a mileurista, are fortified brim of leftist and pro-subsidized, 50% of households may not mortgaged this summer year, and millions have to make purchases and counting the cents. "

Frankly, saying that the unequal distribution of wealth is due to Zapatero is to take the argument to its limits. The right has never been characterized by precisely the opposite. In fact, here in Madrid, Mrs. Espe is desperately trying to privatize both education and health, measures that I do not think that will contribute greatly to an equal distribution of neither money nor the opportunity.

+34

# 24, JDX

June 12, 2008, at 10:19.

TRC, ok! very good, aver if we make the event once, I these individuals, they plug sac negative, always.

wondered if it was agreed to a settlement with 88%, pq call our carriers, and refuse to Curran? aq expect them to pay the diesel or what?

-2

# 25, Mi007

June 12, 2008, at 10:20.

certainly what the banks with immigrants and makes you see that kind of people are in banking. They must think that instead of people are cleenex (now that you can not take advantage you draft ...)
Beijos.

# 26 , anark

12 de Junio de 2008, a las 10:20.

Ke date el Q7 y vende..escayolista vende!!

-5

# 27 , Demiurgo

12 de Junio de 2008, a las 10:20.

#1, Euribor up up !!!
¿ ESTO SÓLO LO VEO YO ? Claro que no!
¿ VIVO EN UN MUNDO PARALELO AL DEL RESTO DE ESPAÑOLES ? Claro que si!

# 28 , raulillo

12 de Junio de 2008, a las 10:20.

Al final se salen con la suya y nos petan el culo las veces que quieren. VENGA, 65 HORAS A LA SEMANA!!!!!!!
Y pienso, si los sindicatos no hacen nada, no es hora de hacer algo nosotros? no es hora de no estar esperando a que alguién nos diga lo que tenemos que hacer y actuar nosotos por cuenta propia? Nos están petando, y sin lunbric…. en fin. Mientras esperamos , mientras estemos quejandonos, solo con palabra y sin hacer, sin demostrar con hechos quienes son los que mandan, sin demostrar nuestra fuerza…. van a seguir riendose de nosotros.
Que enfadado estoy hoy !!!!!!!! GRUUUUUAAAAAA!!!!!!
ARRIBA LA REVOLUCIÓN
ARRIBA LA REVOLUCIÓN
ARRIBA LA REVOLUCIÓN
Venga, saludo.

-2

# 29 , Alocado burbujil

12 de Junio de 2008, a las 10:22.

Maño H2O

Como siempre en tu linea… como diria George Clooney al ver capar un toro.. MAGNIFICO

Por no apropiarte de chistes del prójimo y por el:
(Con cuala de las siguientes sueldas te sientes identificada, para las miembras de la fora)

Aun me estoy descojonando.

Un saludo

+20

# 30 , Alma

12 de Junio de 2008, a las 10:23.

Copero

Con todo el cariño, me temo que el señor Centeno no tiene demasiado éxito por estos lares. Mójate ¿quién crees que nos podrá gobernar con más tino en este negro panorama?

-3

# 31 , Mi007

12 de Junio de 2008, a las 10:23.

#21, mandarina mix
si tienes la playa cerca si estaras moren@, ahora como te pille un poco lejos y tengas que poner gasolina….

+17

# 32 , jdx

12 de Junio de 2008, a las 10:23.

#28raulillo
ten por claro, que muchísima gente, se niegará a trabajar directamente, yo por lo menos. 65h??!!! es que ni los chinos trabajan eso ya.

-5

# 33 , sirialuna

12 de Junio de 2008, a las 10:24.

bueno voy hablar de varios temas:

1- responderle a euribor up up ,

porque ha tocado el tema del sector en el que yo trabajo,la automoción. dejame decirte que desde hace unos años llevamos un acoso y derribo del aumento de los gastos espectacular, en vez de incentivar al empresario han ido a exprimirnos para llenar sus arcas públicas. empezando aprovechandose de los temas ecológicos a los cuales la gente es muy sensible y por lo tanto si te hacen pagar una barbaridad nadie se queja porque es ecológico. Nuestros residuos son de risa, tengo un container verde tipo donde hechas la basura de tu casa que se llena con cuatro parachoques de plástico y lo vienen a buscar una vez al mes, un bidón pequeñito de trapos que se impregnan de disolvente reciclado y tengo que pagar por eso 600 euros cada dos meses…….te puedo explicar 100 medidas abusivas que hacen y no termino , porque es justo que se controlen los residuos, que mejoren , pero no acosta de sacarte los ojos con el precio. siempre la respuesta es que lo carguemos al precio cliente.. pero llega un momento que tu no puedes cobrarle 20 euros por gestión residuos o decirle al cliente que se meta el parachoques que le hemos quitado por donde le quepa……
las aseguradoras es el gran problema, no pagan precio hora taller,racanean todo lo que pueden y más y lo triste es que es tu propia compañía la que te hace eso. Por no contar que a los talleres concertados les exigen un 3% de rebaja en cada factura para que se lleven los de la compañía de seguros y si te pueden reparar algo aunque no es lo mas conveniente, ya que habría que ponerlo nuevo pues se hace por recortar gasto.es por eso que ponen tantos talleres concertados porque esas medidas son beneficios para las compañias
pero no para el cliente, a cambio prometen enviar muchos coches y que esos talleres compensen así la rebaja del 3%. que pasa cuando baja para todos y no hay faena,pues que las compañías de seguros se pasan la libre competencia por el forro de las bragas.
amanezan al cliente que si no lo llevan donde quieren le va a subir el seguro, que si quiere llevarlo a otro lado le cobran franquicia y cosas ilegales que veo todos los dias y que niegan como bellacos.

en que repercute al cliente… pues en todo, te venden la moto que ese taller tiene mejor calidad que esta controlado por ellos y eso es mentira, porque a mi me viene el mismo périto y si un parachoques hay que ponerlo nuevo , le exijo que se ponga nuevo y que se repare como se debe, sin embargo cuando van a taller concertado , se lo reparan, se lo ponen de segunda mano y hacen lo que sea para ajustar el precio porque claro más beneficio para la compañía.
los margenes son tan escuetos y los gastos tan caros , que no puedes repercutirlo sobre el precio del cliente porque sería una barbaridad.

es por eso que cuando baja la faena se despide a la plantilla … muy a tu pesar , porque son personas y es tu negocio. Por lo tanto
no banalices con los despidos como si a la empresa no les importara una mierda y despidieran por despedir porque no es cierto.el sector d ela automoción esta muy mal, tienes que pagar barbaridad por naves industriales, que si revisiones de extintores cada mes, material de pintura, los recambios cada vez mucho mas caros, tiempos muy ajustados. es decir los gastos han aumentado un 50% la fena ha bajado un 50% y las compañías no pagan lo que vale.Y el que no duerme por las noches pensando que va a pasar en verano cuando no haya ingresos y tenga los mismos gastos es un autónomo que no se saca un sueldo para comer, que va con una furgonetilla de mierda desde hace 5 años y que hace 60 horas a la semana . lógicamente no estoy hablando de la ford , pero tampoco de un taller pequeño.

y donde esta el gobierno para pararestos abusos …porque el gremio no será que se queja… no hacen nada, cada año me llegan 3 mails nuevos con impuestos que se sacan nuevos de la manga, y llega un punto tan asfixiante que dices a tomar por culo , la empresa los trabajadores y todo y chapas la persianas , espero no llegar a esos extremos…

+28

# 34 , ANO-NIMO

12 de Junio de 2008, a las 10:29.

¿Es posible construir viviendas más baratas en España?

Por supuesto que no, las casas se construyen con ladrillos que son fabricados con una materia prima carísima que hay que importar de Australia. De hecho hay un mercado paralelo al del petroleo, el mercado de ladrillos que está en auge. Yo ya tengo el salón lleno de ladrillos para venderlos en el momento que suban de precio.

Además requieren de empleados muy cualificados que hay que importar de paises como Ecuador y Senegal, paises tradicionalmente con altísimos salarios.

Además el suelo en España es escasisimo debido a la altísima densidad de población muy superior a la de paises como Alemania.

Que no os engañen, las casas en España son caras porque hay mucho “listo” y mangante, no por los costes de edificarlas.

+64

# 35 , crs

12 de Junio de 2008, a las 10:31.

No viene al tema, pero es que me ha surgido una duda y no sabia donde mas me podian informar….
es sobre la ayuda de los 200€ en la nomina de Junio…me han comentado que en Navarra no se van a dar… sabeis si eso es cierto???

# 36 , ca.o

12 de Junio de 2008, a las 10:32.

Los Gobernantes de nuestra España querida ¿SonTontos o se lo hacen?
Pero no solo desde que ganaron las elecciones sino desde mucho tiempo antes, Las crisis no vienen del dia a la mañana. Cuando los ciudadanos de apie venos la crisis es porque esta encima pero en las altas gerarquias manejan datos suficientes (que por supuesto se nos ocultan) para ver a donde van las cosas.
¿EL gobierno no sabia que se estaban contruyendo viviendas de mas?
¿ Que las viviendas estaban por encima de su precio?
¿ Que el petroleo subiria?
¿ Que la alimentacion basica es insuficiente en el mundo y por tanto mas cara cada dia?
¿ Que somos mas de 5.000.000.000 de personas en el mundo, que poco a poco van consumiendo petroleo…?
¿ Que la inflaccion por tanto y por mas se iria a la parra?
¿Que por tanto tendrian que subir el Euribor?
¿Que las empresas no lo resistiran?
¿Que ira la gente al paro?
¿ Que no podremos pagar la hipoteca?
¿Que cuando no podamos pagar la hipoteca antes dejaremos de gastar en ropa, bares, coches, estetica, arte…?
¿Que por tanto afectara principalmente al pequeño comercio?
Y asi seguiria con un listado interminable de lo que cualquiera medianamente informado sabe.
No hay mayor ciego que el que no quiere ver.
Aqui habia que ganar las elecciones a como diese lugar, a costa de quien de los de siempre de los mas desamparados primero y de todos los demas despues. Pero aqui no hay crisis, aqui no pasa nada.
Despues de cinco años de ineptitud, falta de gobierno y mentiras continuas, perjudiciales e insultantes el premio es volver a gobernar y mandarnos directamente a la mierda.

+34

# 37 , Mi007

12 de Junio de 2008, a las 10:35.

#33, ANO-NIMO
completamente de acuerdo. Sin contar el suelo, el precio de construir un bloque es lo que cuesta 1-2 pisos ( confirmado por un aparejador)
Estamos en el pais de los listos

+10

# 38 , Demiurgo

12 de Junio de 2008, a las 10:41.

#4, Copero
12 de Junio de 2008, a las 9:48.
Esto es un burdo panfleto! Que tiene que ver “la decencia, a la familia ya la moral y la ética cristianas” con la economía?

# 39 , Euribor up up !!!

12 de Junio de 2008, a las 10:42.

………

Una pregunta que lanzo al vuelo… ruego aportéis vuestro granito de arena!

¿EN QUÉ DEPÓSITOS TENÉIS VUESTROS AHORROS? ¿A QUÉ TAE?

Yo en tubancaja.es a un 5,12 % TAE a 6 meses (primer mes 10%).

Vosotros???

Gracias.

-8

# 40 , WTF

12 de Junio de 2008, a las 10:45.

#36, Mi007
Confirmado!

“El precio de construir un bloque es lo que cuesta de 1-2 pisos…”
Sobretodo en una promocion de 54 viviendas.

DEMAGOGIAS BARATAS NO GRACIAS

# 41 , Ramó

12 de Junio de 2008, a las 10:47.

#5, Fernix

Los diputados tienen esos sueldazos y esos beneficios (ordenadores, pda’s, dietas de 120 euros al día, bono-taxis…) para tenerlos contentos y que así tengan menos tentaciones de robar, prevaricar, etc… Es psicología básica

# 42 , NAFA-ROA

12 de Junio de 2008, a las 10:48.

EN CAIXA TARRAGONA, HACEN UN COMBINADO QUE GARANTIZA UN 7% TIN, A 3 MESES.

-3

# 43 , cheuribor

12 de Junio de 2008, a las 10:49.

hola..

alguna pagina donde podamos ver el EURIBOR ON ?

-3

# 44 , NAFA-ROA

12 de Junio de 2008, a las 10:49.

# 39 EURIBOR UP UP.
LO DE CAIXA TARRAGONA ERA PARA RESPONDER A TU MENSAJE, HE OLVIDADO PONERLO.

-4

# 45 , cojonDsastre

12 de Junio de 2008, a las 10:50.

Según mi actual experiencia personal en la compra de un piso para VIVIR, os cuento cómo está el patio, y aprovecho para plantearos una duda.

Vivimos una situación un tanto rocambolesca, ya que si de una parte se puede encontrar alguna que otra oportunidad en cuanto a precios de pisos, por otra parte la subida del euribor y la desconfianza de la Banca hace que sean más inaccesibles.

Llevo ya más de un año buscando piso y creo que por fin he encontrado lo que buscaba. Tasado en 300.000€ el año pasado y compro por 200.000€. 4 dormitorios y 3 años y medio de antigüedad. 33% de nuestros sueldos netos con el euribor al 5,2%. Los 2 fijos. Parece que va bien la cosa ¿no?

Pues no sé que descuentan a futuro los bancos porque no. No es suficiente.

Primera en la frente:

-”No se financian gastos, máximo a hipotecar 80% de tasación con tope de precio de compra”.
-”OK, pagamos gastos (unos 20.000€) y pedimos el precio de compra”.

Segunda:

-”Pero es que en la pretasacion (misma tasadora que tasó en 300.000 hace 8 meses) nos sale una horquilla de 230.000-260.000, creo que puede estar en el 80%, pero si no, tenéis que contratar un seguro aparte por el exceso”.
-”No problem, confiemos en la tasación y si no contratamos seguro.”

Tercera:

-”Bueno vale, no tiene mala pinta… pero ahora queremos avalista…”

Todo son dificultades, hace un par de añitos nos ponían una alfombra roja si hubiéramos tenido estas condiciones, a día de hoy todo son dificultades.

Y ahora mi consulta, en principio no quiero avalistas por los posibles perjuicios que les ocasione, pero ¿Cuáles son los más importantes? ¿En qué les puede repercutir a futuro aún cuando paguemos puntualmente? He leído por ahí que en su capacidad de endeudamiento futuro, ¿es eso cierto?

Muchas gracias de antemano al que responda y saludos “desacelerados” a todos.

+36

# 46 , Lulú

12 de Junio de 2008, a las 10:53.

Me parece que lo de las 65 horas tenía que ser de mutuo acuerdo entre empresario y trabajador, no pueden obligar a nadie a trabajar 65 horas semanales.

-3

# 47 , SJL

12 de Junio de 2008, a las 10:54.

Hola a todos. Hace tiempo que leo vuestras opiniones y hoy me he decidido a dar mi opinion.
Es una lastima que al final todos caigamos en lo mismo. Criticarnos los unos a los otros y alegrarnos del mal ajeno en vez de intentar buscar soluciones que nos beneficien a todos.
El problema de la vivienda es algo gordo que directa o indirectamente nos afecta a todos no solo a los hipotecados.
En respuesta a si se pueden construir viviendas mas baratas creo que con el nuevo codigo tecnico de edificacion lo han complicado un poco.
Un saludo a todos.

-2

# 48 , Anónimo

12 de Junio de 2008, a las 10:55.

Vete de alquiler!!!!! espera que dentro de un año costará menos aún!!! eso sí no te dará el préstamo ni el tío Gilito jeje,

# 49 , fyahball

12 de Junio de 2008, a las 10:55.

El BCE pone otro granito de arena a su subida de tipos

http://www.elpais.com/articulo/economia/BCE/pone/granito/arena/subida/tipos/elpepueco/20080612elpepueco_8/Tes

Ya está aquí está subidita de tipos! Esperemos que los usureros se lo vuelvan a repercutir al euribor en julio!

ITS GONNA BE… RED! RED!

-1

# 50 , Village people

12 de Junio de 2008, a las 10:56.

#36, ca.o

Es un pájaro, es un avión, NO es gerarquía con G.

TOOOOOOMAAAAAAAAAAAAAAAAA NEGATIVOOOOOOOOOOOO.

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