Hormones stock

Often years we have been in the bag without doubt brokers have to be made of other wood to withstand such pressure and able to act outside of all emotions such as fear or euphoria.
So I ask myself what characterizes these brokers? What goes through their bodies? Do something special?.

Fortunately, this is what they asked two researchers from Cambridge University, John Coates and J. Herbert, who were proposed to determine the hormonal changes experienced by operators bag. As a hypothesis, proposed an increase of testosterone as a hormone associated with aggression, and of cortisol, which is related to stress management. They interviewed 17 operators in the London Stock Exchange, for eight days, and measured in their saliva hormone levels before and after the workday.

The authors found that increased testosterone meant to achieve major gains. One of the operators, after six days, doubled its results at once that his testosterone level rose by 74%. If at the end of the day, had a high level of testosterone, their earnings that day exceeded the monthly average, and if the level was high before you start the day, its results will also exceed the average. In short, more testosterone, more profits.

The financial journalist Jason Zweig believes that in moments of success, investment can create addiction. "If one makes money and more money, it creates an addiction similar to chemical drugs, and it is difficult to quit."

Researchers from the universities of Stanford, Carnegie and Iowa went further and compared the reactions of ordinary people with others who had suffered brain injuries that limited his emotions. They perform better because the first stop betting for fear of losing everything. According to one of the authors of the study, Baba Shiv, "emotions have a role to accelerate decision-making, but in some circumstances it is better to refrain from emotional response and make a wiser decision." Coates attributed to hormones such reactions little sound of the brain.

This may explain the greed of many and not knowing how to retire early. So you know, Be very careful with your hormones ... and with those of others.

PS: Greetings from the beach

Written by Carlos Lopez on July 21, 2008 with 216 points.
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The week in the markets (6-13 Nov) (Nov 14, 2008)
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216 reviews

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# 1, risepa

July 21, 2008, at 9:08.

Good morning,
Again I put my commentary on Friday to clarify some doubts:

--------------
Good morning, everyone.
You read every day but almost never write. Today I'm going to do it because I see that there is much confusion when it comes to amortize: Reduce quota or to reduce period?
Same thing. You can check with a mortgage simulator (one excel in that tells you what you pay each month).

Mortgage assumption:
- 300.000 €
- 35 years
- 5% interest
- Monthly fee of € 1514
- Ability to save 500 € / month

Case 1: There unamortized anything.
For the 35 years he would have paid:
- € 300,000 of debt
- Interest 335,906 €
- € 635,906 in total

Case 2: There unamortized reduction period.
Amortized annually throughout our ability to save (€ 6,000 in total)
For the 20 years is settled and we paid the prentamo:
- € 300,000 of debt
- Interest 173,996 €
- € 473,991 in total - a savings of more than 160,000 €

Case 3: There unamortized reduction quota.
Amortized annually throughout our ability to save (€ 6,000 in total) + what we save by reducing share
For the 20 years is settled and we paid the prentamo:
- € 300,000 of debt
- Interest 178,300 €
- € 478,300 in total - a savings of more than 157,000 €

What more interested?
Everyone do what they want, but I think it is better to reduce share as if your life is stable for 20 years, you pay almost as much (a total difference of less than 3,000 €).
Now, what if we have a labor problem in 10 years? The fee instead of being in 1514 will be € 1074 €.
So, in case of economic necessity, have the ability to € 500 savings over the 440 € difference mortgage: 940 € of money available for any need.

Who is not interested in reducing it cost?
For anyone who does not know how to have money in the bank without having the imperative need to spend.

I hope you have helpful and have cleared any doubts.

Greetings,
Ricardo
--------------

1) Although redemption of capital to reduce the share holding period to 19 years the monthly fee is 137 € and debts of just over € 17,000, so to amortize the end of the year, the debt is settled.

2) The estimated savings to put into each case, it is saving in interest (ie money not pay the bank). 6000 € per year remaining loan principal, so we pay less interest.

3) The "excel" with which I control my loan, and with which I have done these calculations is a link that someone put a time of:
http://www.abcbolsa.com/calculo_de_un_prestamo_excel.htm
The system is "French system"

If you have any questions, please ask not to consult.

Greetings:
Ricardo

+91

# 2, xenon21

July 21, 2008, at 9:09.

Good morning everyone.

-9

# 3, Kwisatz Haderach

July 21, 2008, at 9:20.

Good morning!

If the emotions can affect my relationship with the mortgage.
If I could turn Atarax (in the style of the actors in "Lucky Number Slevin") I am sure that the idyllic relationship that began today would be the envy of any Romeo, Juliet and Fernando Martin, if you want.
As for the increase of testosterone for performance in business ... is a theory or way of seeing the work to which I have always resisitido. This eagerness for me to believe that what matters is the personal effort, dedication and offer to the other has earned me many discussions with those defenders of the classical image of the "Executive aggressive." Throughout my career I have come across many companies that if they seek it in your template, the aggressive, testosterone and corporatism to excess. I realize that cost, normally until they fired me for not passing the test period, but I have always left more of those events reinforced, and I thought:
"This company is not for me, sure there is a place where you can tarbajr as I am, without stepping on anyone, without hiding my job without getting at night in bed with the 4 clients encabronaos of the day."

Did not sell pills to eliminate emotions?

S greetings to all!

+10

# 4, colors

July 21, 2008, at 9:35.

The body before entering a crisis ... ... creates endorphins and defenses that creates a state of unusual vitality in the individual .... (Dr. House).
Outside the jokes ... ... .... What the bag is the last of the speculators and momentum sectors severely affected by the crisis ... ... to get rid of its liabilities ... ... ... .... Sonrrisa a cardboard stone oseasssss supermegapatetica pathetic ....
supermegasaluditos

# 5, Kwisatz Haderach

July 21, 2008, at 9:39.

I wrote this morning .. :

Pending moderation: Your comment is awaiting moderation: at the moment no one displayed more than you.

CLopez? But if this cow!

I am doomed to rejection!

-10

# 6, eltonto

July 21, 2008, at 9:56.

¿Low testosterone when one learns that the strike will go?

# 7, SCM

July 21, 2008, at 10:00.

Hand H20:

FIRST YOU ASK IT, WHY IS THAT YOU ARE ONE OF THE MOST CLEAR AND THINGS TO EXPLAIN always respond to everything. I am quite ignorant of economic issues.
I HAVE A MORTGAGE FROM 214,500 TO 30 YEARS.
NOW WE HAVE SAVINGS 3.500 €, THAT IS WHAT YOU CAN DO BETTER WITH THEM?
TEN IN MIND THAT THIS IS THE ONLY SAVING, I mean THAT WE ALSO HAVE FOR CONTINGENCY.

THANKS IN ADVANCE

# 8, oreidubic

July 21, 2008, at 10:01.

Good morning,

Today was in a bar in Viladamat (village near Figueres) a breakfast of chocolate croissant and coffee with milk (the day I have to pay to the Treasury took a little more sugar ...) ..

The owner of the bar-inn (sixty-odd, the people of a lifetime ..) did not understand what the Martins .... "How is it possible for a man to stop him 4,000 million Euros? ... If I pay for beer and Coca-cola to 15 days "....

Well this ... so many people to think and sometimes you lose sight of logic ... ..

And now there are people who can not afford the food of the horse (which cost € 18,000 to set up the girl), boats that have a failure and are not going to go out throughout the summer ... .. ProQuad if one would have left 4,000 million, or do not want to know how many people they have left between 200,000 and one million euros and now "ayayayayay ...."

Unfortunately / thank god it's time now that to survive you have to know something ... ..

+19

# 9, Mano H20

July 21, 2008, at 10:03.

Hello everybody.

For those of historical memory. Carlos Lopez said this in his commentary of the day on July 31, 2006. A couple of years ago.

-----
The tenth rise in the Euribor, with final data published as the Bank of Spain in just over two weeks, also has another important effect. If the monthly average of 3546% in July was the differential sum to be paid, most cases exceeds the 0.5% - the owner may begin to pay interest and above 4% on their mortgages. It is bad news for consumers, given that household debt already exceeds 110% of disposable income.
-----

If something could go worse, will be worse. It's the Law ... ..
That was then far the outbreak of the bubble.
Shame that we had not done for many warnings that since we made repeatedly.

Anyway, we trust that things will not have to go even much worse, to be maintained and that we can begin as soon as possible to pick up.

Salu2

+12

# 10, Solution to end the crisis

July 21, 2008, at 10:07.

Consumption of Spanish products to revive the industrial park in the country.
Maximum support of the state for export, with generous subsidies for major international fairs, so SMEs will be able to export things that are not doing. So if that we will reduce unemployment and GDP auentar with good long-term prospects.

+26

# 11, risepa

July 21, 2008, at 10:11.

Hello SCM:
although I do not ask me, I would put the money in any account of high pay-availability of money (between 4% and 6%).
3500 € is not too much, even for contingencies.
I have about 5000 € in the account of Bancaja Xmas (limit of unforeseen circumstances). From there, with reduction of share depreciation.
Greetings.

+15

# 12, sirialuna

July 21, 2008, at 10:14.

because I always thought it was best not amortizaren term reduction in share .. but watching the first comentariono was me who is better ...
Today I am going I have eaten fatal tiger mosquitoes, I have more than 20 pixadas without exaggeration, is desperate ... ... .. nobody knows a cure bufff

-3

# 13, sirialuna

July 21, 2008, at 10:14.

minced no pixadas jajaja

-5

# 14, Tranchetillo-standing

July 21, 2008, at 10:16.

Hello good days, I've had enough of it in these pages day after day, we believed rich and now it turns out that no, that money manejabamos was not ours and we owe, that most interest, in the end who wins , The rich as ever. I bought the flat to € 300,000 and as I'm poor finances with the bank mortgage, and paying out double. The rich will buy it and pay just save € 300,000, with that you can buy another or live like a king, that's the difference. And we do not have to emigrate to other countries in order to eat. Tristeeeeeee that.

+23

# 15, Mano H20

July 21, 2008, at 10:17.

# 7, SCM

Hello SCM
Well, thanks for the deference although I do not think that I am the best qualified to give you a right answer.

I think that I, personally, in that situation, keep that money for contingencies. Try to put it somewhere to get something fixed term of performance or at least not to depreciate the CPI (short-term because if you need it for some new)

In case you have available to repay in advance myself, of course, it would reduce term.

've Seen that this is the eternal discussion in this forum. # 1 risepa today gives a good example of the differences between making a reduction of share or term. Although it still does not fit my version 3.

I still stay clear advantage of reducing the share (except for the fact that if apurillo gives a ball of oxygen).

In fact depreciations in my case I have made so far have been to reduce term. With this I have achieved a reduction in three years the completion of the initial loan (although I have left the strip). I think that the interest savings for the coming years, I am more than offset a drop in market share. But this is for my personal situation. I understand that to get very caught with the monthly fee may elect to reduce the quota (but only because no other remedy would be me).

I hope you would help.

Salu2

+16

# 16, SCM

July 21, 2008, at 10:17.

THANKS RISEPA

AMORTIZATION THAT MEAN TO REDUCTION OF SHARE?

-7

# 17, closcas

July 21, 2008, at 10:23.

# 7, SCM

I saved for the unexpected .... If later you can save a POC more because I planteria amortized, but do not think that podeia quedaros with a hand behind another front i .... Malfunction of cars, electrical appliances ... contingencies may arise 1000! !

# 10, Solution to end the crisis
You have my positive

# 18, One More

July 21, 2008, at 10:25.

# 16, SCM

Do not write more in uppercase, and read the comment No. 1

Please.

# 19, crazy burbujil

July 21, 2008, at 10:25.

I agree with you hand, the problem is that stifled if you're so as to reduce your share is the norm that you have no chance of recouping anything, not on time or share (in addition to the reduction in quota is just a symbolic year for another). I mean if you are retiring is because with the amount you pay can save, so it is interesting to keep the monthly expenditure, reducing interest ... but it is only an opinion.

# 20, Ramoncín

July 21, 2008, at 10:29.

For SCN,

It is very risky to have only saved 3500 €, imagine that it is not a brass month the nomination of your business, or a delay, dismissal, your wife becomes pregnant ... Or you may fall ill, or whatever. I save you 6000 € and keep the mattress at ING or similar, and as of this saving to go to repay mortgage.

In my particular case I'm saving to remove quota and can go a little better off per month, and make sure that if one of the 2 runs out of work we can calmly face the shares while seeking work.

When you get a fee of around € 600 (now 900), begin to save for off-year loan, bearing in mind that we will have more ability to save with this quota.

But always take a mattress (minimum € 6000) in some depth that you can recover your money quickly and without penalty.

+13

# 21, JavierML

July 21, 2008, at 10:30.

# 7 SCM

Forgive me that since the question was headed by hand.

While each case is different, I do not pay off. According to what you have unexpected run anything.

Bearing in mind that adding the 12 shares not come to 18,000 euros between the two (I assume by "we" who are already paying two to deduct) a good choice would be that, come December, to repay the equivalent of one extra the two, knowing that it sacaréis return to this depreciation will come close to 20% between the Treasury, unpaid interest, and so on. With regard to deduce whether in time or share it depends on who drowned arrive at the end of the month.

Although best know your status you are yourselves. If he drops the car into pieces or is new, whether to pay an orthodontist to your son, who is me! But at least I feel more at ease with a cushion in case the flies.

And if I may a suggestion, if possible written in lowercase, uppercase equivalent to do speak loudly and not very well seen in the forums.

Good luck in your decision.

+17

# 22, primers

July 21, 2008, at 10:31.

Risepa

You're right in what you say, but you've done a little trap, in the 2 cases not recoup the same amount.

In the first amortize 6000 euro per year, and the second in 6000 over what you save quota for having made it for redemption, then, "It's not as if the cut would have."

It is clear that playing with the same amount of money in the first and share what you pay for what you pay in the second year-end, that is, you do the same thing, the effort to pay is identical. The only thing you do is cover in case you are wrong given.

Well, look, yet having made the same economic effort that he made another repayments on time, Céciré is still having delivered in the same years the same sums of money, you pay 3,000 euros more to the bank.

But I recognize that as alternative approach is very good, Risepa. I had never raised me to do well, congratulations.

+12

# 23, Mandy

July 21, 2008, at 10:33.

# 7, SCM

I'm in a situation similar to yours, but with some 10,000 € saved. I have decided to keep deposits in short, so it might happen. While my personal situation is likely that I can complicate things.

# 24, Man Lin Chao

July 21, 2008, at 10:39.

All you comentais Hand, so crazy. is very good, but in my opinion risepa does not take into account variations in the rate of interest. If the interest is in an upward movement might be good to amortize capital disminiuir share, since what is achieved is usually somewhat offset the possible increase, on the contrary, if the movement is bearish, I am 99% sure that it is best to amortize with the intention of disminiur the length of time since the quota in this scenario tends to fall.

Health, love, money and luck.

# 25, SCM

July 21, 2008, at 10:44.

JAVIERML thank you very much.

(and others who respond with education, too.)

Consult with my partner, but for the moment by your comments, save wait a little longer, or at least try, as they calculate that with the rise of the Euribor my next review would amount to some € 1380.

Thank you very much for your answers.

Greetings

# 26, JavierML

July 21, 2008, at 10:46.

# 16 SCM

Reduce quota supposed to reduce the fee to pay each month.
Reduce term implies reducing the length of the mortgage while maintaining the membership fee.

With the calculator in your hand you should reduce term.

The advantage of lower share makes it more bearable is that an increase in the Euribor in the coming years, for my part I do not think it has plateaued.

# 27, LINA

July 21, 2008, at 10:58.

save for the unexpected in a time of crisis is nonsense because there's always that saving in crisis or not, what happens is that the ability to save you, keep in mind that there are many factors that you can choose several lives, which save and not spend nothing at all and you locked in your house, or enjoying life within your capabilities, (I stay with the second) is not limping as saying the car that I hit a fence Reviews, so no one can live in the epoch we are living is better control spending but also enjoy life as it does around the world, piorque then entered a dynamic and full of bitter psychological, what happens is that if your time people had gotten to the head When buying a flat because this situation had happened, set as Spain is the country most indebted of the eu of europe and with the risk of catastrophe in a few months, I myself am from jaen, and housing is not coming down in 2004 of the 30 kilos, so I went to a village that is about 5 km from the capital and cost me 13 pounds in 3-floor bedrooms, garage and storage room, I have already written off Euro 7500 and adjusting the value of my apartment this at 134,000 euros a day today, then I rethought euros in 6000 because I get a mortgage easy to BBVA that I can have that money for whatever you want, and I'm going to take off for some peaks in there I have for cards etc ... but eye! yet is not an extension and I have now 60,000 euros and 66,000 are now, and I continue to be below the value of the apartment and paying 486 euros a month and as cash, that's why I say that half spain Encebollado of this more than what they earn and that is why today I note the crisis in prices and little more, because I assumed the mortgage does not sleep at night.

we're going to the beach that Ozu calooo!

-8

# 28, alberto

July 21, 2008, at 11:06.

Good morning.
What enjoyed a forum!
Is it not better to this kind of comments, questions, answers, exchange of views and civilized discussions on various topics of the absurd diatribes and insults frikis baseless?
Thank you all for talking calmly about economic issues that affect us all.

+51

# 29, axa

July 21, 2008, at 11:06.

# 7, SCM
keep liquidity if the flies, try to expand it and take it into cash deposits with no distant (max 1-3 months) or very fluid and liquid part bastanet. .
reduces the first share and brother-in-law have a quota q for you is very affordable reduces term.
combines the advantage of the calm with the savings interest, is the best thing for mental health and economy of the family. a greeting.

I have a mattress from 12,000 in liquid deposits entirely BBVA 4.25%, sufficient, there are better, but your money snag some time, since there are amortized.
Depreciated according to your chances, do not amortize ofusques in the short-term liquidity is crucial.
1 capital next quotas (quiet)
2nd proportionate shares (+ tranquility)
3rd term (reducing interest)

# 30, jl

July 21, 2008, at 11:06.

On Thursday, "played" to remove part of my savings to ING because spend from 5% to 6% on the same Friday, hoping to reduce my time high and thus able to recruit the tank again ... but I got a little late, and now I have my savings out of ING, and without the possibility of re-putting to 5% ... In December I did the same thing, but it arrived on time, that's the reason that led me to try again.

Anyway, what is done is done. My question is, for many these days ... Where do I put it now? Bankinter is a 11% one month, and then allows you to recruit deadlines "on demand" quite interesting, up to 4.90 now to 6 months. What do you think? We also wonder to avoid putting the money in a bank box that you can give me a distaste for the medium term. So far I've played with ING (to return) and La Caixa (box my whole life, mortgage and operate for little more now), two entities in a good position in these times of crisis, at least out of doors. What other banks-boxes are reliable? Most would prefer to lose a point or two of profitability, but winning at safety.

Thank you!

PS: # 7, SCM, stay with that money. I have "something" more savings, and still prefer to keep it. And of course, amortizing term, provided they pay the fee to be "comfortable" for you. I redemption fee the first year because the Euribor was already up and expected that the thing was going to put ugly. Since then I've always written off period. And if I continue the same path, I will have paid for my house in 9 years. My parents taught me to keep dread to loans. The bug out as soon as possible.

+11

# 31, axa

July 21, 2008, at 11:08.

# 30, jl

bbvanet 4.25% immediately available, you give back to cancel and pasta.

# 32, Dani

July 21, 2008, at 11:09.

# 27, LINA
Please do not preach by example, someone who has to borrow money for a few peaks of VISA situation ... if they are needed ok, but we do not des tips to save ...

+12

# 33, axa

July 21, 2008, at 11:10.

# 27, LINA
BBVA easy being a mortgage to pay cute
Look ibaneswto eu +0.38 q you pay the expenses of subrogation by if you're interested. a greeting

# 34, curious

July 21, 2008, at 11:13.

In this regard the article of the day ...

It has been years in the circle scientific studies the relationship between increased testosterone and competitiveness. For example, in the case of athletes is now accepted that more victories, more produce testosterone.
What is not just to agree on is what comes first, the egg or the hen. That is, the victories are what cause the appearance of a hormonal overproduction? Or are facts athletes and individuals with competitive zeal of other pasta?

I do not want to imagine the level of testosterone due to take every morning when you wake up our buddy knife ...

In this regard the compentario of the 3,500 €, I am not anybody to say, but I think we are not good times for descapitalizarte. Nor do I know your savings capacity with the times but that can come better and save everything we can CUENDE you are a little more covered plantearte begins to amortize. However, if you have safe work (official or political ... are you kidding) and a share short, you can afford to write off some of the mortgage. Which anyway I did not spend all ...

# 35, Chinese

July 21, 2008, at 11:16.

hello troops!
# 1, risepa
has taken account of changes in the Euribor to your calculations, or you have stable? because the difference in years, while the lower fee is more to note changes in the rates.
greetings!

# 36, lina

July 21, 2008, at 11:19.

dani.

I prefer to remove visa which does not have a cipotecon that leaves me sleepless nights.

-15

# 37 , Flipper

21 de Julio de 2008, a las 11:19.

#7 SCM

Amortizar 3500 euros te va a bajar la cuota mensual 20€ (o menos), y te vas a quedar sin dinero para imprevistos.

Según lo pintas y con la actual situación no tienes más remedio que ahorrar todo lo que puedas.

No tiene sentido amortizar hipoteca si luego vas a tener que pedir un crédito personal para cualquier situación que se os presente (si tenéis un niño, comprar otro coche, una avería en las tuberías de la cocina, que os inviten a 6 bodas en dos meses…).

Con 1400 € de cuota sólo espero que tu pareja y tú no seias mileuristas.

+10

# 38 , jl

21 de Julio de 2008, a las 11:20.

Otro apunte a favor de la amortización de plazo: en tiempos de “subida” como estos, amortizar plazo también comporta una disminución de cuota en la siguiente revisión, por los intereses que te ahorras. No es ni mucho menos el pellizco que le haces a la cuota en caso de amortizar ésta última, pero bueno… es un puntito más a su favor.

# 39 , cartillas

21 de Julio de 2008, a las 11:21.

Pues yo pude hacer lo de ING, pero simplemente no saqué el dinero de la cuenta, si te fijas podías contratar por aumentos de saldo del 23.06.08 así que lo único que hice fue cancelar los depósitos que tenía al 5% (por aumentos de saldo posteriores a esa fecha) y contratarlos al 6%.

Yo he tenido el dinero al 7% tres meses con Activo Bank y no me ha ido mal, además puedes utilizar toda la red del Sabadell para operar.

# 40 , Darek

21 de Julio de 2008, a las 11:24.

Buenos dias RISEPA, Maño H20…

Quisiera plantearos la siguiente cuestión. Si con la cuota actual que pagamos, sobrepaso los 18.030 euros…y tengo además unos 12.000 euros ahorrados…¿que hago?..¿amortizo?…teniendo en cuenta que si amortizo me sobrepasaría de la deducción del IRPF…No sé si me compensa lo que me devuelva Hacienda o amortizar…

Gracias…

# 41 , kokito

21 de Julio de 2008, a las 11:33.

Good morning vietnam

5,413

Hasta luego

# 42 , MOEBUIS

21 de Julio de 2008, a las 11:37.

Alguien puede confirmar el dato de kokito?
con el 5.413 hemos vuetlo acomo estabamos a principios de mes :.(

# 43 , fyahball

21 de Julio de 2008, a las 11:40.

1 vko 4.358 +0.000
1 kk 4.472 +0.001
2 kk 4.749 +0.001
3 kk 4.960 +0.003
4 kk 5.012 +0.006
5 kk 5.067 +0.009
6 kk 5.153 +0.015
7 kk 5.187 +0.015
8 kk 5.224 +0.019
9 kk 5.266 +0.026
10 kk 5.307 +0.031
11 kk 5.360 +0.037
12 kk 5.413 +0.038

Apreciable subidita… HAHAHAHA!
BURN DEM ALL!

-18

# 44 , jl

21 de Julio de 2008, a las 11:40.

#39, cartillas

Es que la diferencia de mi saldo del 23 del 6 al viernes era bastante poco, en comparación con lo que tenía al 5… por eso intenté la jugada de sacar el dinero, y esperar que cogieran el viernes para actualizar el máximo histórico. Ya digo que el diciembre ya lo hice, y por poco, pero llegué a tiempo, y pude actualizar casi todos mis ahorros. Pero esta vez no… No puedo meter al 6% más que el 10% de mis ahorros más o menos. Por eso busco banco-caja…. vamos a ver qué encuentro.

Si se confirma el dato de euribor de kokito, está visto que no se ha ido de vacaciones nuestro querido índice… ¿Cómo estará de testosterona el amigo?

# 45 , 6 % ya

21 de Julio de 2008, a las 11:43.

5,413 Subidita de las buenas para alegrar el verano

-13

# 46 , Flipper

21 de Julio de 2008, a las 11:45.

Todas las preguntas sobre si amortizar o no están muy ligadas a la situación personal de cada uno, por lo cual debéis tener cabeza a la hora de actuar, lo que os recomienden los demás, y más si no os conocen, estará ligado a cómo lo ve cada uno desde su situación personal.

Por ejemplo yo tengo claro que lo mejor es reducir plazo (como dice javier con la calculadora en la mano), pero últimamente he hecho una reducción de cuota… porque por mi situación actual creo que era lo mejor. Cuando vuelva a tener algo ahorrado, me lo tendré que volver a plantear.

#40
El máximo a efectos de devolución de hacienda son unos 9000€, que más o menos te puede suponer que te devuelvan unos 1800€ (me puedo equivocar en las cifras porque hablo de memoria).

La diferencia es que esos 1800 te los va a dar haciendo AHORA, es decir, cuando declares el año que viene.

Todo lo que ganes amortizando, lo ganas al final de la hipoteca. Quizá si puedes amortizar 18000 ahora, con la calculadora en la mano como dice Javier sea lo mejor, pero lo que ganas amortizando lo ganas a medio-largo plazo, según cuando acabes de pagar la hipoteca. ¿Cuánto te queda para acabar, 20 años?
Si tienes una economía desahogada y funcionas bien, amortiza todo lo que puedas que es pan para mañana. Si vas con lo justo o crees que la crisis te puede afectar, no amortizes, o al menos no amortices más del máximo desgravable, pues puede ser hambre para hoy, aunque te ahorres dinero mañana.

# 47 , ximena

21 de Julio de 2008, a las 11:46.

He leído en un post que los pobres acaban pagando más, de lo que estoy totalmente convencida. Si os fijáis bien, nos dan muchas facilidades de pago con todo, incluídas operaciones estéticas: aumente sus senos y pague hasta en cinco años!!! Pero, ¿sabemos realmente cuánto nos cuenta esa facilidad? Por poner varios ejemplos personales (y digo personales porque son los que puedo aportar con conocimiento de causa): el seguro del coche, hoy en día te ofrecen pagarlo mes a mes, yo pregunté cuánta diferencia me supondría pagarlo semestral en vez de anual, la diferencia eran 36 euros, parece poco, pero ya tienes para una cenita de tapas. La ortodoncia, la podía pagar en 18 meses, en cómodos plazos, pero si la abonaba al contado me suponía 160 euros menos, aquí la diferencia ya pica. El coche, si compras el vehículo al contado te ahorras los intereses, que todos sabemos a cuánto pueden llegar a subir. No son más que unos pequeños ejemplos, para ilustrar mi opinión. Pero la conclusión es obvia. El problema es que nos han estado vendiendo que podemos acceder a todo, absolutamente todo con la ley del mínimo esfuerzo: que quieres una TV de plasma, no hay problema, en 18 meses; quieres un A4, no problema, en vez de 3 ó 4 años, lo pagas en 7 pero no te privas de un coche de nivel; que quieres unas vacaciones a todo tren, no problema, en diez meses… y así podría estar toda la mañana. El problema: que cuando te quieres dar cuenta tienes tantos pagos aplazados que no llegas ni al 2 de mes con dinero, lo que te obliga a tirar de tarjeta de crédito, por tanto de intereses y, por tanto, a pagar más.
Pagan más los pobres, pero además, pagan muchísimo más los pobres que quieren aparentar que no lo son. Y, ojo!! cuando digo pobres, es un decir, hablo de la clase media, de la nómina media, que puede oscilar entre los 1.000 y los 1.500, teniendo en cuenta que suele haber dos por hogar.
Luego están los bancos, que nos meten por los ojos los créditos rápidos. Llegan a casa continuas ofertas de créditos “para lo que tú quieras” de hasta 10.000 euros en 24 horas, claro, con un TAE de, por lo menos 12%. Abusan del afán de los consumidores y los consumidores abusamos de la facilidad que aparentar ofrecer los bancos. El resultado ya lo sabemos, que la gente vive a crédito, que cobra 1.500 pero gasta como si cobrara 1.800. Creo que nadie puede tirar la primera piedra. Todos somos culpables y responsables del estilo de vida que se ha instaurado en nuestra sociedad.
Lamento la parrafada. Espero que pasen unas fantásticas vacaciones.

+59

# 48 , axa

21 de Julio de 2008, a las 11:46.

#40, Darek
siempre q amortices dinero q te quitas, interes q te ahorras y descanso q te llevas.
otra opcion es un deposito con remuneraciopn de l 6 o mas y compensa una cosa con la otra. el interes de un lado con el interes del otro

# 49 , Eurhipoteca

21 de Julio de 2008, a las 11:47.

Hola!! yo siempre he pensado que es mejor reducir plazo pq pienso que , aunque reduzcas quota, el euribor seguirá subiendo con lo qual no ayuda mucho ¿no? si estoy equivocada corregidme por favor.

Gracias a tod@s

# 50 , Gilberto

21 de Julio de 2008, a las 11:49.

¿Amortizar plazo o cuota?

Espero que este artículo les ayude…
http://www.algamar.es/index.php?option=com_content&task=view&id=52

+11

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