The ninjas and the Indians

Have you ever thought about how you did the Indians wake up before dawn to be able to attack by surprise?. Had no clocks or genetically modified roosters for singing at 4 in the morning. One option is not sleeping or rely on someone who is in sailing, but as the Indians were not relied neither of its shade invented an alarm clock naturally. The solution found for cases like this was to take large quantities of water before going to bed. Thus, the desire to urinate woke up long before they did the sunlight, and could attack relatively well rested. It is odd, because usually when you wake up that way is usually far less unpleasant than when you do your mobile phone, radio or any of the twentieth century invention designed to end so perverse.

Since always thought that the Indians were the only ones who still slept in tents, but after reading this news I see that those who do are the Ninjas. And I am not talking about the brave Japanese warriors who were receiving training worthy of the Spartans and were able to stay nearly invisible in the dark. I refer to the "No Income No Assets" (no income and no assets) that those who are his only gift was to remain invisible to the departments of risks of banks.

The crisis "supbirme" continues to rage in the U.S.. If a few months ago houses were sold at $ 100 and even gave Now hundreds of citizens in this country are now grouped in small cities of tents. In some areas of California have begun to flourish what they call "tent cities", concentrations of tents where hundreds of people survive without shelter. Many of them believe that it is the only solution to the embargo that remains of her house after the outbreak "subprime".

You can even watch a film made by the BBC here. The truth is that it gives quite as bad roll is very far from the villages hippies we could imagine in California.

Others who are going to change his home, specifically to go to jail, are accused of research in Estepona. Vigilant because the list of crimes he is charged can compete perfectly with the thickness of Ikea.

The operation began when the Anti-Corruption Prosecutor's Office has issued arrest warrants against suspects in operation "Astapa '. For the alleged crimes involved were charged of influence peddling, prevarication, money laundering and bribery in connection with an alleged corruption case linked to irregular funding of the consistory. Researchers have enjoyed the cooperation of two pesonas familiar with much of the criminal disjointed structure.

Meanwhile, we continue to make citizens deserve the same question Are we in crisis or slowdown?. A blog Expansion us put to a test, which he hit the first questions.

Basically the question is: do more looking at the peeling?.

Written by Carlos Lopez on June 18, 2008 with 232 points.
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# 1, Dalma

June 18, 2008, at 9:22.

Good morning, today I am the first to greet!

Because if I look much the peels, then I think we are in crisis ...

Kisses

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# 2, condonacion_jeje

June 18, 2008, at 9:25.

mm ... it seems that the Euribor relaxes XDD several days without hardly any movement of significance .... ejjejeje will be the prelude to the reopening of bottles of champagne q both enjoyed their time in ?¿¿?¿?¿?

Euribor Ostias KO!!

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# 3, TAHartl

June 18, 2008, at 9:26.

Hello everybody.

ISLE OF RESIDENTIAL Puno and LA ROSA

ISLE OF AROSA

Country Spain
• Com. Autonomous Galicia
• Pontevedra Province
Location 42 ° 33'16 "N 8 ° 51'50" W / 42.55444, -8.8638942 ° 33'16 "N 8 ° 51'50" W / 42.55444, -8.86389
• Altitude n / a
Area 7 km ²
Population 4889 hab. (INE 2007)
• Density 698.43 inhabitants / km ²
What carcamáns

La Isla de Arosa (in Galician and officially A Illa de Arousa), also known as A Illa, is a Spanish island and municipality that is located in the heart of the estuary of the same name in the province of Pontevedra, Galicia (Spain) .

It has an area of 7 square kilometers, in which nearly 5,000 people live concentrated in a narrow isthmus (and its vicinity) that connects a small peninsula where the highest point of town with the rest of the island. Links with the mainland by a bridge nearly two miles long (one of the longest in Spain) opened on September 14, 1985, which has greatly boosted the economy of the population, since before the movement was carried out on small vapors with specific times. The European Union declared it a nature reserve thanks to its 36 miles of coastline, the eleven are of beach with fine white sand. The island's economy is based mainly on fishing, cultivation of mussels on rafts and shellfish, but also tourism makes significant dividends. Places of interest are the environment of the lighthouse, the island Areos (near the island of Arosa) and the natural park of Carreirón, cataloged as a special protection zone for birds by the populations of heron, among others, who live on the island. The most important port is the port quay cantiñas and do O Campo, and Chaz Cabodeiro. The highest point of the island is the viewpoint of Santo, where you can contemplate the people and its tourism trade and the beauty of the place. In 1995, after the pressure developed by its neighbors, agreed to a municipal government and today is the latest municipality in Galicia and the only island

Where are the environmentalists Spanish?.
Is it a growth and sustainable development?.
Where is the platform NEVER MORE?.
Where is Greenpeace?.

"LINCOS by sheep."

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# 4, TAHartl

June 18, 2008, at 9:31.

Hello everybody.

BANK OF SPAIN: ANNUAL REPORT 2007.

The Bank of Spain plans to problems in public finances

http://www.elperiodicoextremadura.com/noticias/noticia.asp?pkid=380650

08/04/2008. Spain goes well: Financial Stability Report of the Bank of Spain

http://bitacoras.juridicas.com/blog/amparo-legal/2008/04/espa-a-va-bien-informe-de-estabilidad-financiera-del-banco-de-espa-a

Any Forero can explain it to me?

FULL REPORT BANK OF SPAIN

http://www.bde.es/informes/be/supervi/2007/ms2007.pdf

"LINCOS by sheep."

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# 5, Carlos zgz

June 18, 2008, at 9:36.

Good morning to all s..
If I look over the peels?
Obviously yes. But all is because with the picture before us is drawing in the future, it would be irresponsible not to have 2 daughters and a mortgage, not so great for those times, but it's really the biggest monthly expenditure of my house.
I have already changed all the light bulbs from home, now have low and when there is nobody in a room are shut down, we do it all, even the small 2-year and arrives at the switch and herself as haec (this is a bomb, jeje). In the rest of things, because now the car on weekdays or nearly so lame, I walk and bus, it takes longer, but I've noticed in the excerpt from my beloved company of supply, that "because you can come back" now I return, But over in late afternoon.
In the market, white marks everywhere and fortunately, a couple of times a month we go out to dinner all around.
Nor skimp on other things, but if they go, if it really gets everything so black as it looks, I still would be some scope for reducing expenditure.
It is my particular case, but I am sure that each in its economy will do something, too.
I hope that one of the forum @ compañeros tell us other possibilities for savings.
A greeting and happy Wednesday.

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# 6, TAHartl

June 18, 2008, at 9:36.

Hello everybody.

Leading by example.

Ana Belen claimed € 46,000 from funds earmarked for the Third World.

NOT the socialmangoneo of the PSOE.

http://asociacionvache.blogspot.com/2008/06/ana-beln-cobr-46000-euros-provenientes.html

"LINCOS by sheep."

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# 7, consultor666

June 18, 2008, at 9:37.

Asked

After the famous announcement on June 5, the Euribor rose suddenly from 5125% to 5418%. This is almost 0.3% difference.

As previously noted, the market was discounting the future rise, but now I do not see it so clear. I consider that this difference of 0.3% were discounting a rise in quarter-point interest rate? As it is the thing, could you pass rates from 4 to 4.5%, a rise of half a point? What would happen then with the Euribor?

I am curious, how much will you believe that the rise in rates? Is there a history of rises or half a point (!) 0.75? I do not know the truth, and I am curious (and fear).

A greeting.

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# 8, nemo4

June 18, 2008, at 9:38.

Carlos, what happens to the server burbuja.info?

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# 9, Imanol

June 18, 2008, at 9:40.

Comments yesterday # 311, Krollian,

"The floors are 26% cheaper in three years
http://www.20minutos.es/noticia/390046/0/precio/vivienda/caera
Now I want to see the face of the catheter that was neighbors and always told me: Uncle, you do not know ná economy, we must invest Toa pasta in the flats because they always go up, looks like mine has risen to buy into it 120 thousand eros and now worth less than a year 200 thousand. "

¿Catetos? It seems that invested at the right time. If your floor is now worth € 200,000 and its value will be reduced by 26% in three years, yet your home is worth € 148,000 (€ 28,000 above the purchase price).

That is, for the price of housing in the "cateto" your neighbor has to fall to 40% of its value to equal the purchase price.

However, within three years (when the downward correction has finished), the "cateto" your neighbor will have retired five years of your loan, will have passed the worst of the crisis and can start to look to the future with optimism.

However, the "ready" to wait, buy the same floor € 28,000 more expensive, will have serious difficulties in obtaining financing, and since then, it will be unlikely to have a Euribor as low as had the "cateto" a couple of years ago .

-Greetings

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# 10, condonacion_jeje

June 18, 2008, at 9:41.

Electric companies benefit millionaires - light rise 9% this year
millionaires and banks rising profits and rising interest-scandalous
Mobile companies benefit millionaires - according to radio are charged for incoming calls ...
profits from oil scandal - automatic increases gasoline and downs with pain and tears ..

in order ... it's hard to see so much audacity and so little embarrassment about politicians q allow all this

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# 11, krollian

June 18, 2008, at 9:42.

Replying to the question of the final entry today:

I've always looked at the peeling. Mine were never abundant. So ... There is a saying that I love de Cervantes. It says something like:

Look in this world after all only two kinds of people there. Those who have and those that do not. And I would rather belong to the latter.

There is also a saying manchego which reads:

Which is targeted to the poor, given the same standing to sitting.

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# 12, jdx

June 18, 2008, at 9:42.

Absolutely YES. I look over the peels. and a sense of duty almost almost ...

Salgo-half or fewer times to dine out than before
We have drastically reduced the consumption of mobile
Heating-, minimum and thermostat.
Low-lights, appliances and AAA.
Lame-just what the car, work and leisure, for small purchases, English academy and a number of things, to paw.
Marks-white "tutti plenni" typical except 2-3 things, that do not change it for the world .... Jejeje
It ended up-breakfasts in the bar of 7euros, and the cafelitos noon 1.2euros (45euros almost weekly).
Clothing-like, I buy out of necessity, not as compulsively years ago ...
Press ... digital step of the paper, ano be that it is the weekend at the beach or vacation
-whims, the righteous and those who can or me to win
I change the movil when I get a free
if I-200-300euros at the end of the month (say something), saving 70-80% on whether the flies, I try not petarme 100% of my money, many people live well, and when he finishes paying the loan of the car, another asked for something else ... and so forever.
-etc etc

In definitva, known tighten their belts in a mixture of "own pleasure" and "obligation to society." That even doing all these "cuts", you are going half-life in these jets, it is regrettable to see how you go to the super, shopping 3 jets, and you're off by 50-60euros, and you do not have either passed pa-morning. If you say one day I will buy as if I am not concerned about the money ... you let 400euros, because few people believe that you can afford it. I assume that like me, many people, but it's not that you have to get used, simply, when you have some obligations, you will have to remove the head of wasting money on borbotones as we do with a few years younger ...

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# 13, WTF

June 18, 2008, at 9:42.

The images of the Shanty Town remind me of the famous photos from the slums of Central Prak after the crack of 29 only that this time there are no pictures of anyone committing suicide from the skyscrapers of Wall Street.

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# 14, TAHartl

June 18, 2008, at 9:44.

Yes, I am in general we are in crisis.
The rapid deceleration of euphemisms serve only to further irritate the millions of losers, both the mortgage and those who do not, because in one way or another concern, because the vast majority need to work to live. Without work, there are problems. If prices go up and our wages do not, there are problems. And if you do not start to take strong action these problems will be higher each day.
I have my own idea of the blame for all this mess, and it is the Banker. From USA sold products that if any normal business would be devoted to this, all (even the trabajadaores) would be in jail, but these are white collar criminals are going pipe inventing new scams. And the other banks, the scam, does absolutely nothing because they do not know what to do. But of course, they enjoy an advantage, and that is that a government will never allow its Finance system will crash (you know what can happen), so it will intervene to help an entity that does not hold the pressure. This system gives peace of mind that allows them to not act and lets businesses and workers will be ruined. Governments have to act in that direction and forget once and for all the nonsense as "rapid slowdown", Menudo jet.
We must compel banks to stop speculation (especially Americans) to oil and food, and make their function which is the depositing and lending money, giving a respite to the economy.
In the end, what we want most people is to pay our debts, live in dignity and to allow some whim from time to time, for this reason that we live enslaved by badly paid jobs, mortgages, for rent shameful, etc, etc.

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# 15, ANO-Nimo

June 18, 2008, at 9:45.

I did look over the peels than before and that I have no mortgage and use the little car.

Yesterday a French tv analyzed the case of "no" to Ireland and its economy and grow as they had gone from almost 10% (Celtic Tiger) to only 2%.

Symptoms are the same as in Spain, real estate boom and rising prices.

Now houses abound and prices fall but I think the problem is greater in spain.

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# 16, carlos24

June 18, 2008, at 9:48.

with the heat wave which enters today in the country, the terraces full, the bars of a pecking brim ... who said crisis? then we complain that the light goes up, from gasoline, invoices aaaaaaaaaaaaaaaaaaamigo ... .... As vice and waste there is in this country ...

HEAD, 1 RED SUMMER AND ONE OF TWO CAÑAS squid!

Country tambourine and flamenco ...

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# 17, krollian

June 18, 2008, at 9:48.

# 9, Imanol:

I am a speculator that he called a catheter. Period. Trading is an unfortunate necessity. Surely then these will complain that their children do not find an affordable apartment.
That attitude is to take advantage of others who are poorer.
Is it normal to buy and sell 120,000 by 200,000? Someone seeking to pay these 80,000 more.

And to put that many are aimed at fashion and now will go down the street like zombies ... as the story never fall.

-Hey. Buy 80 and seeing if I sell for 500 huh? Menuda gentuza.

By the way. Neither the government nor the banking, my notaries complained of such an attitude ...

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# 18, Tranchetillo

June 18, 2008, at 9:50.

We are in a time-saving and not spending, but that does not know if it is not good for the economy of our country because if you do not spend too will be stopping everything, restaurants, dealers, manufacturers, with all the layoffs that this entails, I I am pessimistic at this point and I think this is not back until they are half the country's unemployed. Until we get to the end of the pit will not be able to take momentum. I doloooooorrrrrrrrr!

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# 19, Kanayo

June 18, 2008, at 9:51.

Because people with trankiliad assumes that in ten years flats rose by 400% and can not take downs of 40%. The economy is cyclical and everything that goes up low, and if raised scandalously escandalosamente.Ademas down to us inclullen other factors as the crisis, lack of credit on offer and that speculators are already putting their money on other things that are non-story, and I seem to remember that not so long ago I read that 2 out of 3 houses were bought for speculation.

Saudiños

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# 20, carlos24

June 18, 2008, at 9:52.

# 9, Imanol

If they can pay the mortgage with a variable to the Euribor to Today's 5.30 and if the boss does not dismiss them by the low consumption every day ... not everyone will be able to overcome the slump eh? many are / quedndo this by the way ...

Al loro

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# 21, JORGE

June 18, 2008, at 9:58.

I am a good reader usual on this page, or blog as you and I love sincerely, I believe that all items are great newspapers and very original, but I've decided to stop visiting and reading these articles.

I go every day and every day I am more cranky, it seems that the world is ending, which comes Armageddon, but the next day the sun rises again and we remain here and if by some chance that Armageddon arrives prefer to live quiet what is left.

In my opinion if we are in crisis and did not see as a long, but the hearing crisis, the Euribor, a barrel of oil 500 times a day, even in the brochure of LIDL, increases the paranoia of people and I step now.

maybe it's time to launch a positive message.

As such, ciao.

Jorge

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# 22, JoseC

June 18, 2008, at 9:58.

Yesterday I was reading the blog that was copied a day on the passage from barter to money, creating a banking system ... and the truth that is super exciting.
I think it would be advisable for people who know of interesting blogs to put the economy
thanks

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# 23, sirialuna

June 18, 2008, at 10:00.

the only thing is that the others have to live with a salary while our beloved leaders will go up when they want, and in times of crisis vengaaaaa going to put more senior positions still, rather than adjust staffing as does the entire world. I believe sincerely that all taxpayers' money is wasted, is wasted, is pulled by the garbage.
I'm sorry but many social benefits that the moment of truth when you go to does not pinch or ordered a ... ... ... .. what more sad is that we are paying the reforms of their houses, which would have to pay them and not the state, we are paying many luxuries ..

people who have to defend our rights, ensure our money, education, health ... .... we are not doing anything because vieven them brilliantly.

which is nice in wasting time of opulence and leave you without a pension, without aid, knickers, because we are in crisis ... ....
The crisis began when burn the money as if it was small change ...
and then you have to tighten their belts is you, the bastard who has trouble reaching the end of the month, which would climb all, who would say they do not consume, which only work work and work like a lamb, you change bulbs, which eat rabbit that is more economical ectcc. but they have in their homes chandeliers that consume a lot of money, and his good cochazos, without worrying about the bill sporque you are the asshole that he is paying.

estaspagando the reality is that a lot of money for social security then you do not tend to,
that the sausages that embezzlement million are in the street and the poor wretch of a robbery sticks least 30 years there.

scarceles that are 5-star hotels, and if not that s elopregunten an engineer of roads being constructed with 2 sports halls, almost Olympic swimming pools, restaurants, barbershops ect ...
that there is discrimination because we give you put that money to pay a tyees impossible and you rot in jail, where sausages are rich and you pay pululando down the street.

that the schools can not enroll your children because there is no sificiente public offering and because there is no space for you ... ... ..

Your Work Work Work that nobody gives you anything, and above hecharte want to blame all the ills of spain.

ole, ole ole and the currantes we ticks of this country according to our government

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# 24, joselo1961

June 18, 2008, at 10:01.

Of course now that I look at the peeling much, I have even spoken with my kids that you also have to contribute to savings (I do not know if you get) ... ..

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# 25, eugim

June 18, 2008, at 10:02.

carlos24

totally agree, at least here in andalucia salts in the afternoon and all the terraces filled, the beers to 1.10, and the cover-2, and spindles of snails to 8e and breakfasts to 3 e.

At the end we paid the duck, young people who need a home to live, our dreams and make us break fucking speculators with pockets full well that the bankers.

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# 26, krollian

June 18, 2008, at 10:03.

# 20, carlos24

To that I referred myself with the zombies. There are people who intended to pay more than 3 mortgages and were not millionaires. Nor will it ever. If it can 't rush me to be more poor people with so much debt ...

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# 27, Pepita

June 18, 2008, at 10:06.

Since I bought the house over miro much the euro. Especially because I am reformed and does not include mortgage reform. I have a colchoncito in the bank that is not touched and the rest, according to winning will be spent on reform. So not spending on restaurants, vacations, clothes, TV, car, but what we save is not saving. Everything you eat the reform of the house and the mortgage. As the mortgage is fixed, I do not need an extra savings to compensate for what they have to pay in the future.
Greetings

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# 28, Barraigh

June 18, 2008, at 10:15.

40% drop in the price of apartments in my neighborhood of Madrid in just 1 years

Yesterday I found the odds with reality. Viewing the catalog of the only buildings that has left the neighborhood (because all the others have closed), and the houses that are offered there, I could see how the average price per square meter of second hand houses has fallen from 3600 has Eur/m2 that at the beginning of 2007 until the 2200 Eur/m2 who are asking now.
The fall is insane: about 40%! Thus, for floors that have a record that then were sold for 40 million, are now only asking for 24 million.
In theory, my house (which I paid excluding taxes 201,000 Euros in 2005, with a substantial discount on what was being paid at the time) now only worth 176,000 Euros.
At least that is my debt with the bank is well below this figure ... But this is only just beginning!

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# 29, Pepita

June 18, 2008, at 10:16.

Upssss ... somewhere cipotecado rencorosillo has been able to reach this point?

http://www.elcorreodigital.com/vizcaya/20080618/mas-actualidad/sociedad/hallan-muerto-disparos-pecho-200806180952.html

Found dead with two gunshots to the chest to a senior executive of BBVA in Seville

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# 30, Ramo

June 18, 2008, at 10:16.

# 17, krollian

Housing is a good basic necessities, agreed, but not the property. Bought an apartment is a luxury, and the closer to city centers, most luxurious yet.

Which must guarantee the constitutional right to housing is the rule, not the employer, the investor or Manolito you are buying a flat. To encourage the hiring, and everyone happy.

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# 31, jdx

June 18, 2008, at 10:18.

tranchetillo # 18
Look around the world exclusively for its navel, I do not think anyone will leave all the salary in restaurants and clothes and cars for the economy to do well.
anyway, over-all q's in this country, will be readjusted, and this will lead to construction, mixers, pallets, plasterer, real estate, restaurants, small Baret, clothing stores, dealers, EVERYTHING.
All because the pace leading this country, no one could stand, the Peet for a living always. No gentlemen, the lawful and normal. It is not normal that in the promenade of my people would only banks and farms. Now stores are starting to have meat, all to one hundred (not Chinese), gift items, candy ... less bad ... I am glad, I'm sorry but that is the case, can not live well with the millions of bars and clavazos to get as is the economy. Because I say that they also go up the costs, look, an intimate coleguita mine, has had a bar a few months, and yes, very tiring, is undeniable, but it took almost a month 1lbs net, only with beer, Canata and cafes. 1EUR cut, 1quinto one euro! Chestnut takes! This is more convenient to charge 0.65 and return to each client does not change? have earned with their roundings alcísima, now that rounded to the closure, or the loss of clietela.

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# 32, SOG

June 18, 2008, at 10:21.

I remember the sr-ÁSNAR saying that "Spain is doing well!" While speculation mounted this cycle that has now been exhausted.
-I remember Mr banker (2 years) that when we did simulations of the mortgage told me that if the Euribor was put at 5% is sinking the country ...
I remember the sr-ZP saying in February that the Euribor had "plateaued" and now empazaría down ...
-I remember vaguely to the IMF and ECB hints of giving attention to Egypt, but here only what we cared about was to grow by 4% annually.
-I remember some interest between 2% and 3% during which the Spaniards (companies and individuals) could double its bank debt in 3 years.
-I remember my friends refinancing your old mortgage to buy "Carraz" € 50,000.
- I remember when I did not know that balance was in my mind because they always had money (now you can say with accuracy of the centana € I left to come to the end of the month)
Also, remember when people bought an apartment and a year and half what he earned and sold 10kilos (now assuming that you have to ask to sell a prést.personal to liquidate the mortgage)
- I remember a day 20 was not necessary to ask the bank that you increase the credibility of the VISA.
- I remember the diesel 0,85 € ...

Now the memories alive, and that I have left after paying the mortgage and anything else I can not live ...

WHAT HAVE WE DESERVE:
impresentables politicians, households with more debt than BMW's value and changing the oil in stores Aurgi
In summary:
we are a Third World society Survival in a false and inflated state elitist.

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# 33, amateur

June 18, 2008, at 10:21.

At home also trying to reduce costs, but as prices have gone up so much of everything, nor is it being noticed much. What you save on the one hand, you spend on the other.

The fear I have is that I may be out of work. Especially since Curro search at a time like this would surely have aspirations to lower wages. The other day I asked my boss how about wearing the mortgage and I came to believe that the paranoia was calibrating my level of debt tied to tenerme. Then I realized it was a sincere interest in my question strain. In my, the crisis creates psychosis.

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# 34, Ramo

June 18, 2008, at 10:24.

On what to look over the peels, then yes. Already some time ago that I was the Emule, I am tired of buying and dvd cd'sy also no longer fit me at home.

Funny part, does not look much to consume water unnecessarily, like electricity, gas or gasoline. I do so much as by ecological consciousness by saving money.

To not throw water, my mother is a method. The cold water that comes out of the shower until the temperature gets to pouring a bucket, and then use that water to irrigate plants in the garden.

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# 35, ca.o

June 18, 2008, at 10:25.

Buenos dias:
Desaceleracion? clear that there are at least I can assure you that I think before pressing the accelerator of my car and it seems that most people who go on the road, many cars before I advanced to 160 or more, it is now rare accelerating to more than 130. Is that ZP COVER?
Electric cars'm thinking for days that I have to buy an electric vehicle, what happens is that the models do not really practical for the market now has to wait until 2010, with lithium batteries instead of lead currently used. This makes me think that when our interests if we espabilamos, lithium batteries comes from the technology of mobile and will come pearl for cars. It appears that the fortunes involved in the communications are sufficient incentive to seek solutions and clear, who seeks finds.
Since that I have already chosen the model of electric vehicle that I want the VersusOne, I suppose that many are already thinking about this possibility that within a decade ser''a probably all we decide. No longer rely on the PetroReyes to go forward or inflation in our economy we depend on which France is who we sell 80% of our electricity and then, if Spain has no capacity to produce 100% of the electricity they consume, we will situaci''on another similar, we will sell electricity at the price they want. And here we have some leaders who know what will happen I do not see many steps to take. I say, If you will have some sort of paralysis because they did not even blink, it is clear that the solutions are not for today for tomorrow, but not a country is governed today for tomorrow or four years, solutions to problems within ten There are years that espezar to take them today. So we look for a ride. Solutions that are going to take even if you do not have realized that there is a problem. and that we're talking about today's problems, I prefer to think or imagine that I do with the problems that est''an already on the horizon and that's minds a little and saw cleared days ago. There are no raw materials for all inhabitants of this planet. Until now the thing was controlled them were poor and we gastabamos it all, but this had to fix it partly because the immigration problem would end up being an uncontrolled. We must give energy to the whole world to enable Developers, but there are not enough for everyone unless renobables. Well, in this case had to be our leaders, getting energy for tomorrow today to pay the price of gold for his unfitness, but we can pay, but if you put beyond the reach of our economies, as the chain empezar''a no crisis but of catastrophe. I will start a campaign to buy glasses to see if our leaders are beginning to see the problems of today and tomorrow.

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# 36, Imanol

June 18, 2008, at 10:29.

# 17 Krollian,

Not everyone is speculating, the vast majority of people have bought their house for living. I bought mine in 2003, cost me € 240,000 and asked for a loan of € 192,000.

Three years later, a neighbor of mine sold his apartment (like mine), for € 466,000.

At that time, I would not put him to jump like an idiot, drunk wealth and happiness. I made only a small reflection: "Thank God I bought the apartment three years ago, now could not."

The problem is that people have not made such a thought, "I can not," and are only guilty of that, of wanting a house and believe that if we do not bought at that time, then it would be more complicated.

Anyone who has been speculation in housing is a person with money has bought off plan, has paid 20% in value in two convenient dates and has sold the apartment for more money before confirming the writing. That is, clean money, no mortgages or stories.

# 20 Carlos 24,

There are people who will not be able to take on the Euribor rises and people who can. People who lose their jobs and people who do not.

Buying a home is a risk, but agreed that something like, it costs something.

-Greetings

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# 37, circular

June 18, 2008, at 10:32.

Hello,

I look no further than before peeling, because I have always looked. I have always said that I am a little "rat" since my wife would say it's good for a poor woman :-)

DO NOT buy a flat of 80 or 90 meters, when we did everything around the world, but what we buy from 65, because it was well within the parameters of reasonable borrowing and allowed to continue having a normal life and smooth, allowing us to save to repay the mortgage sooner and, ultimately, as we have some flaw.

¿Tips for saving? Bufff ... Apart from that repeats incessantly EURIBOR UP UP (with which I am not 100% agree, by the way) you can recommend the use of discounted tickets at supermarkets, which seems not, but it saves money end of the year.

We also recommend that you go to make the purchase and either eaten with a list as possible cerrrada, which is always less pica buying and becomes a more rational.

And as I was going to occur, like everyone, therefore putting the go. I think all we can do a good guide to saving, rational, reasonable and consistent.

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# 38, Anonimo

June 18, 2008, at 10:35.

I have no envy of those working in companies of "saving" of the forum in which it appears that nobody is going to save.

According to be controlled spending, but spending that we do have an impact on wealth creation in some way (waiter from the bar, attached to the clothing store, and an infinity etc ....).
These people also make our companies make money, or not?

I do not know but I get the impression that we believe the navel of the world. What of the others is superfluous and expendable, not ours, that nobody is going to save.

That fate

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# 39, Jeb

June 18, 2008, at 10:38.

# 3, TAHartl

June 18, 2008, at 9:26.

Hello everybody.

ISLE OF RESIDENTIAL Puno and LA ROSA

dear friend. I am of the island of rings and just tell you one thing: you have no idea of a bitch or what you're talking about.

a greeting.

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# 40, krollian

June 18, 2008, at 10:43.

# 36, Imanol:

I bought a flat of 49 m2, which makes the sixth seventh without a lift. 450 per month quota. They asked me 17 kilos and a half and I said that only (example) would pay 17 (102,000). Then the rent in Bilbao was a flat like 700 euros or more.
But I will sell my flat or fell by 200,000, or passes or passes through my head.
I defend access to housing, not buying. And so things stand.
I belong to the Platform for Housing Digna (PVD) from Bilbao. And some thought that we wanted to give us the flats when what we did was to denounce the serious situation.

Take a look at some of my contriuciones, with forgiveness:

http://elciudadanocabreao.blogspot.com/2008/06/viviendas-vacas.html

This assemble in August 2006 in Bilbao:

Seated PVD Bilbao 26-8-2006 manifesto

http://es.youtube.com/watch?v=JIqGB1h70Sk

You can see more videos on youtube of PVD ...

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# 41, ZAPRASTERO

June 18, 2008, at 10:43.

Mother, Mother I review in July and I've noticed that the average is higher than the June Euribor + 0.60 differential my last review. Now we agacharemos cents to get the land and suck the lids of the yogurts.

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# 42, Jarril

June 18, 2008, at 10:45.

# 5 and # 12
Eye with the lights low, as if turning to the little bit they do not deserve the penalty. The largest consumption is done in the ignition, unlike incandescent who consume the same thing all the time they are lit.

And white markings forever! But until the cream cocoa "of landowner does not have the taste of Nutella, I do not put the change ...

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# 43, EURIBORGREEN

June 18, 2008, at 10:47.

Would it not be behind the increases greenpeace Euribor? Not the most insightful awareness campaigns to not use either the car, not wasting electricity and gas, make a responsible consumption, etc ... can dream of matching the effectiveness of the Euribor caring for the environment.

For someone like me (highly sensitized to the environmental issue) it's really unfortunate that the only way to get the masses to help contain the pollution and environmental degradation is not left them little choice.

What if dispusiesemos sufficient financial resources? ¿Take all land around 24 liters per 100? Heating 24 hours a day to 25 degrees in winter? All summer at 20 degrees with the AA to stop ... the supreme happiness in the short term, but the disaster to medium / long ...

Well, look where the rising EURIBOR will still have its positive side ... (not to mention the many negative ...).

Greetings and continue with the responsible consumption ;)

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# 44, oreidubic

June 18, 2008, at 10:47.

I agree with # 21 we JORGE catastrophism ... there is much that we will lose our tendency to excessive spending and add and subtract a bit ..

With the theme of the rise of diesel a year ago and I wonder who lives in another way .. I do 100 miles a day to travel from home to the place of trabajao ... ... 90-100 tips of 110 (road) ... it takes 6-10 minutes more each day brings more rested, more savings relajadito ... 10% .... Arren gerund and that is ...

The coffee and donut at mid-morning in late afternoon ... ... you nailed 3 € ... that are 500 Pelas ...

This is not to be trailing badly and live .... but with these two temitas therefore that you stay more gustito, healthier and happier would say ...

The terraces with coffee with milk to 2e or Coca-Cola to 2'5 €? Do not stop me because I feel that I am insulted, because I can sell them at 0'35 + VAT 0'38 € ... ... .. (and I do not say the taxes and banks ... that we all pay ..)

The restaurants of 30 € for eating meat on the grill? Two years ago ... I am not going.

Caprichitos? The same ....

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# 45, krollian

June 18, 2008, at 10:52.

# 36, Imanol:

Certainly in the PVD had everything. He has spent a lot of people. Leased, mortgaged, home dads, arrejuntados in lists Etxebide ...
I could tell things up getting bored.
The conclusion is that mobilizing people costs a lot. And some of those who complain the most situción ladrillil were not any demo, action, or participated in viviendadigna.org or anything ...
That really gave me no real shame that more people would have pointed to the Manis, for example ... At the end of everything. We assume.
Democracy for some is to vote every 4 years to people who lie.
So is the percale ...

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# 46, ZAPRASTERO

June 18, 2008, at 10:56.

# 43, EURIBORGREEN

I sympathize with you on the merits, but the great powers that punish the environment as the U.S. or China, I think the Euribor affects them very little.

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# 47, Ramo

June 18, 2008, at 10:57.

It is utopian, but what we ought to seriously consider is to drastically reduce the movement to go from home to work.

That would mean an enormous savings of time and money, pollution and nasty.

How can we do? no idea, perhaps prohibiting by law to choose a job if you live in A and B are at a distance of more than X km.

Or perhaps encourage telecommuting, I would practice for two years and I've gained in quality of life, and I'm not at home when I go walking to the office that I have a 15 minute stroll. Although a couple of times a month have to take the car and leave a couple of days to attend meetings, etc., that is saved and the rest is nonsense.

I repeat, is crazy, but everything would be much better.

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# 48, color

June 18, 2008, at 11:01.

Impressive ... .. as our politicians have consented to the enrichment of speculators .. thieves disguised as economists, politicians, bankers and builders.
Impressive ... .. as our economy is kidnapped, mortgaged, swindled by millions of loans for life.
Impressive ... as our unions have been prostituted. palanganeros to grant consent for the unjustifiable.
Impressive ... .... It looks like our future is impressive.

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# 49, sopelmar

June 18, 2008, at 11:06.

attentive to the tube that conversation yesterday while I was in Finance income

staff member you want to tick of the church?
will change about that if it goes, but that money is going to anger the bishops pa rising to nominate someone congressman, my conscience is calm but if my money goes up to heaven.

Of money you deposit in your account housing, wants to Deduct 100%?
(6000 euros saved by far exfuerzo throughout 2007 and got into Christmas)

puzzled by the question answered, but I am saying this lady, because I want to clear 100% for that METI for the blonde million, and because I could not save more, but put the cap that I think were 9018 E

and I replied that as I have only a ceiling of 36,000 euros in my whole life with finances desgrabaciones not like I wanted to spend more and leave the rest to the mortgage

As you answer with the Spanish refranero "best bird in hand than 100 flying" if I have to spend periods of Finance for not spending limit and they give me a few years have just been released and no aid or a penny of subsidy housing and all the grants go to the ecology and culture birth to the "brick ERA" I have this 2007 or is that apliqueme 100% of the desgrabacion and when the cow no longer look for more milk and other subsidies in other part

I think a very dirty tricks by someone who has the slogan "we work for you, we are all hacienda"

a greeting and encourage you are doing very well in containing the Euribor not reach levels galactic

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# 50, Lucia

June 18, 2008, at 11:10.

Hello everybody, I write to ask advice.
I have a mortgage in 30 years with a spread of 0.33 (q entity with you know ...) Do not penalize me for amortize so that both my partner and I, we are coming to deduct the mortgage by 9000 each, and amortization to reach to 9000.
So far I have depreciated in share, although I am considering starting to amortize over time. I also have the opportunity to take my savings to 5%, but we must also take into account the 18% who stays finances. Right now I have a 4.59 +0.33 = 4.86, but apparently seen, and it seems that this is going to continue to rise, what do I do? ¿Repaid in? How term? I wait to recoup and keep my Eurit in a nice deposit to 5% with this high inflation? Ainsa ...

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