Sausage

You know where it comes from the words "To get Blood sausage"

In late 1700, rabies was a disease common in Spain and one way to eliminate the vagrant dogs, and rabid, or any other disease, was giving a poisoned sausage.

Le daria Morcillo, more than a .. especially to those "Chucho" class politics, we have ..

The problem is that so notícia especially contradictory and negative, most of us have chosen to stop everything in hopes that the picture is clarified. This entails a halt escalating a crisis situation such as we have, and now the councils of government will hardly be believed, as his credibility is under minimum. The problem is serious, and I still think (as I said) that the solution lies in an end once and for all with the famous financial crisis (AND IF YOU WANT TO BE). It settled, a new panorama will be possible to see, and our lives will be able to enjoy new perspectives that will lead us to a certain tranquility and stability

# 4, hipotecadodeporvida

That the good black pudding from Burgos. But I would black pudding, like you, more than one of which I quote below.

For as White Cucumber would say: "as it is not going to see more unemployed people with so many people working"
Come on, that is not consolation is that they do not want. First black pudding for Cucumber.

This is something of complex numbers, because things must be viewed in absolute and relative terms.

For example, say that there are 2,500,000 unemployed as 10 years ago How should we interpret it?

1 .- In absolute terms do not cease to be two and a half million people who can not work or wanting to have a job where doing so. The figure brings to scare us and the situation 10 years ago.

2 .- In relative terms, 10 years ago in Spain had 38 million inhabitants while there are now 45 (to know). That means there are fewer percentage unemployed today than then. Prior was 6.58% of the population, while today it is only 5.55%. Then as ZP would say "we are better than ever." For him the second day of sausage.

3 .- In terms relativísimos and compared to the vastness of the ocean, what are two and a half million unemployed? In fact some notable ruling has had the impudence to say that he is not aware of any standing. Well it would be, as someone said, that our President walker (because it makes walking, not because of the Shining Path) walk to any office of the INEM. There he could present to one another.

The banks, of which numbers you know for a while, it seemed that are beginning to worry about this situation, because now the defaulters will not be primarily immigrants and real estate. Now they will begin to be Spanish and SMEs. Already there is talk that late payments could reach 3% and that stores forced the Bank of Spain to make the entities, during the era of fat, may be insufficient because it will last unless the crisis. For this, banks, giving them a lot of black pudding and they give us enough for us.

http://www.cotizalia.com/cache/2008/09/03/noticias_69_banca_tiembla_peligro_ladrilleros_hipotecados.html

Meanwhile, the sons of the kingdom, of which I remember yesterday, was put to work and the government announced yesterday a series of measures aimed at facilitating access to housing for the British that includes tax breaks and grants in the payment of mortgage loans. Among the most striking aid is to finance the mortgage to avoid evictions. To these, more than sausage, ham would give them. Pata negra specifically so they know what it is worth a pig.

http://www.cotizalia.com/cache/2008/09/03/noticias_97_reino_unido_manos_financia_hipotecados.html

Salu2

"The floors are not going to go down over price." Largely to encourage the purchase of flats ... I feel that the Spanish citizen who wants to buy an apartment or should have sufficient information and means to draw their own conclusions. No need to go very far to see dramatic decreases in the price of housing, and you wear a suit. A year ago it began promoting a visit to costruir, the price of a two-room house was 268,000 + vat. Two days ago I sent a relative to see such a promotion, and handed the keys and the price of that housing is 174,000 + vat. Nearly 100,000 euros less. One that can not be created but I have two documents on the table. As of today the homes of 3 habiitaciones cost the same as those of 1 room a year ago. This data makes me wonder; So great was the benefit of the promoters? So looted are they now?

In the end, turn on the same thing as always, but data are beginning to be conclusive. Does houses are not going to lose more? Each will draw our own conclusion and buy when we won the Mr. Zapatero y Cia.

I already know that has nothing to do one thing with another and we should not mix churros with black pudding, but I had a nasty fall this morning to see the subidita price of gasoline, 1 liter centeuro, after superbajada the price of a barrel yesterday, they have no shame, but be careful expecting lower 6 or 7 centeuros within a month of approx. to fill up the tank filters, the carafes of sunshine of goats that have long empty at home and look up the last of zippo house, if I get to go back to smoking that does not cost me 3 centeuros every time you turn the burner ...
it seems that this cap but the sun eventually coming out today to everyone equally, and if not tomorrow, or the other, someone in a hurry? ...

or touch the sausage !!!!!!!!!!!!! where are we going to get !!!!!

In food, encourage the owners of stores to directly contact the manufacturer (farmer, rancher ...)
Yesterday I saw on TV, I believe in malaga, a chain of 5 stores, which buy directly from farmers, for in this way, farmers do not lose money, and no mobster or a thief, is a broker without doing anything, by taking the money who really grown and manufactured. Outstanding from my point of view.
The customers of these stores, said q in all savings products from 10 up to 30-40%. (Ojito to intermediaries inflationary ... .. God) - that's why ... nothing new.
This measure should be extended to several fields, and both inflation and rising prices would be moderate, directly or liquidated. I leave it there for someone to think ...
Another issue that deranged me ... and I do not understand (I can only blame the dollar's recovery ...)
Super 95 to $ 147 a barrel - 1.29
95 to surpass $ 120 a barrel - 1.22
Super 95 to $ 105 a barrel - 1.22 someone can explain it to me?

pd enculator man, how long! we will urge our dear index to fall, although I do not think it will lack much in a short time, is going to lose him alone ...
excellent news that Trichet suggested that the post was played by the cabezonería in rates, and putting Europe into recession.

After learning the details apocalyptic "official" unemployment, a day yesterday, and knowing first hand, when they return from vacation and see two friends on the dole, I make a ranking among these people that I needed:

Stopped type A) Women, married 27 years, a son of 1, rented, worked as a commercial real estate, unemployed for two months, unable to reposition and within 3 or 4 months or will not have to eat. Actively looking for work because of that I'm sending you a resume. "I need to work because" words textual.

Stopped type B) Men 35 years, lives with parents, for 5 working on logistics, he realized that he could collect unemployment during 1100 € to 2 years, began to demand low, to give problems to his head, until I got . No partner or expense of any kind, only mobile, and Juergen whims. "Now I'm going to play the p. 2 years' actual words.

I have some doubt transcendental in this regard, if the Treasury until we remove the hair from the eyebrows, is not it should put some sort of control so that there are no unemployed type B? Are the governments unable to detect these lazy?
Ojo there are many unemployed type B, working 5 years, caught parité 2, PARASITE, have no other name.

An example of the multitude of cases of mismanagement of resources in the State of paella, castanets and mangantes.

# 3

Q I think it is obvious it is. Growth in Germany down, down Euro, Oil down, inflation down ... .. are sufficient reasons for decreases in rates in January or February .... Sorry for the euriboralcistas but everything looks to that in a few months the price of money will go down

Good morning to Tod @ s

Adding an addendum on the excellent article by CLopez.
As we put the batteries, and especially the rulers of this blessed ¿? country, we're going to eat sausage for breakfast, lunch and dinner because while the prices go up and lose purchasing power we will not take no for pipes.

Continuing the thread of some post yesterday, the houses are going to go into a soft landing, without downs supine (as expected the estimated Willy) or a brutal crunch.
On the problem of sales, always come back to the same point: FLUIDITY market. The banks, and therefore the Euribor as a reflection of confidence, not relying between them, they do not know who is who is dead and therefore does not want to put pasta in the niche.

Knife, it is known today as the quarterly indicator of GDP in the euro is going to have to rethink and re-clad hold on interest rates.

Among the proposals that Forero JAC yesterday are excellent from a theoretical point of view and economically. The problem of application is legal. The prosecutor in Spanish translation of these proposals pass the first by placing them on the law, and that is another question.

My dear Carsola has more reason than a saint, the excesses in the last half-decade of economic boom are going to pay far over the next three years.

The boxes, especially the CAM what will happen in the fall ill, is a hands full disposing of assets.

Others, like the group SOS to be Zampa 70% of Bertolli, an Italian group, it seems that if you have options business, to have pasta available. This, as we shall see, that rice, oil (Carbonell) and cookies (Cuetara) will be the one who pays the ultimate cost of this acquisition.

PS, Dear Upupa, please put links to anyone who wants to read billets apocalyptic Mr Child Becerra, and not the ctrl + c + v crtl

Neither the Macarena or the Mareueta, or Madonna and San Pedro Martir

Uyuyuy .. the subject of fresh produce is conflicting ..

First of all it is easier to multiply the price of low unit price ProQuad the cost of logistics is important, such as watermelon ... it is clear that a kilogram of straw weighs the same as a kilogram of lead, such as clear is that a kilogram of straw is more than one kilogram of lead.

Then the operators at the big central markets (Mercamadrid, mercabarna) are not unique and are subject to the law of supply and demand from major buyers, who are already buying more and more in origin (or farmer cooperative). There is the difficulty that the producer can absorb the demand of the buyer-level quantities and qualities.

The profit margins on the last point (supermarkets and specialty stores) are ordren of 35-40% on sales (in supermarkets ... in markets or specialty stores or category kilelrs is more variable) that seem high but deducting the cost of personnel and An estimate of the rent of the area is not APRA made millionaire, unless it achieves high levels of turnover (with márgnenes closer to 28-30%) and controlling shrink ...

The producers (and I am a producer of grapes for wine) we have to let disputes nineteenth organize ourselves and look for the marketing of our products. Even at this stage focus efforts on production when it would have to derive resources in the marketing ...

# 14, Nadal with 400 €

Ojala could detect the unemployed type B.
And the officials who do nothing any day.
Or the people who catches low to go to IKEA.
Or to those caught a year by depression.

If you catch all the scourge of society we asustariamos of how many have.

# 5 ... The keys of "Blood sausage" (say Child be Santiago Becerra)

Man ... now tell us that the Euribor muchiiiiiisimo climb when you've recently done an interview for a radio saying exactly the opposite ... and Euribor rates low in Japan as well .. ... look the other that changes every 2 x 3 .. or you or anyone knows what will happen why you have to believe you and not to other futurists who believes completely the opposite? Who you think now? .. futurists shoddy, looking for a fleeting popularity with the ignorance of people.

Greetings.

JAC
Why do I have to say to ironic mode on, and not the president?

# 25, Kane

Or the leaders of many unions that do not give you a stick to water.
Or to not re-elected politicians who live in those pensions that we do not see either in dreams.
O a todos los golfos que trabajan en negro y no pagan un duro de impuestos.
Or ....

La rentabilidad del bono a diez años baja hasta el 4,48% en la apertura.
En Alemania Idem.
Todos los caminos apuntan a Roma.
Trichet, compañero, te juegas el puesto. (Que tensión)

Gran comentario de Flipper que merece la pena rescatar:

# 222 , Flipper
2 de Septiembre de 2008, a las 22:01.

Pues que digo yo que ahora acabo de trabajar, después de todo el día, si esto no es crisis, al menos es una putada muy gorda.

Que miro y leo por el foro y por otros lugares del cibermundo y sólo veo y leo nada más que futuros negros, paro, hipotecas impagadas y pisos que no se venden.

Sólo puedo acordarme de mi amiga argentina para sentirme optimista y salir corriendo a disfrutar de la vida, olvidarme de políticos, de crisis, de mi cuenta corriente y de la persona que debiera contratar mi jefe para ayudarme, y decirme que nos quejamos de hartos.

Que quizá como dice Vicente es necesario sentirse pesimista de vez en cuando, pero yo digo que es necesario ser optimista al menos una vez al día, aunque sólo dure un minuto. Que si el indicador de sentimiento económico de la Unión Europea registró en agosto un descenso de 1,9 puntos, arrastrado por la caída de la confianza en Reino Unido, España y Alemania situando al indicador en su nivel mínimo desde 1993, yo el sentimiento económico le tengo ahora más vio que nunca, que nunca como ahora miro la cuenta corriente todos los días.

Que si los políticos generan incertidumbre y pánico, yo no puedo evitar reirme de ellos, que su cara y su cruz es tener un cargo público donde todo el mundo vea sus imcompetencias y sus falsedades, y de cómo pretenden ganar con un paseo por las montañas los votos que pierden haciendo su trabajo.

Que si uno de derechas y otro de izquierdas no pueden hablar de la crisis, yo quisiera haber estado en el bar de rafa para haberme reido de los dos, que saber reírse de sí mismos es el pilar fundamental para no sucumbir en este loco mundo; y no les cobres rafa que ya pago yo.

Que si jac nos da 12 muy buenas medidas para mitigar la especulación, y quiere que le digamos más, ya mí me da la risa y me voy otra vez al bar de rafa, que mientras los que tienen que tomar esas medidas sean los mismísimos especuladores, estamos mejor en el bar y con un par de cervezas hablaremos del futbol y del resto de opios del pueblo.

Que si las entidades financieras mundiales deben afrontar el vencimiento de obligaciones de deuda a medio y largo plazo por un importe de al menos 787.000 M$ (534.600 M€), según cálculos de JPMorgan Chase, yo tengo que afrontar a las entidades financieras, y siempre se afrontan mejor con una cañita en el bar de rafa o en el que sea, y si se deja invitar al director de mi sucursal a cenar, que si la consecuencia es un encarecimiento notable de la financiación, que va a deteriorar aún más sus márgenes, y si las entidades financieras continúan encontrando dificultades para obtener financiación, serán mucho más reacias a conceder créditos a empresas ya particulares, con el consiguiente perjuicio para la economía real, por lo menos a mí que me sigan dando crédito que sabe que luego lo uso para irme de cañitas con él.

Que si un tal Gustav es capaz de hacer bajar él solito un 10% el precio del petróleo, pues que se venga también al bar de rafa con nosotros, que seguro que el de derechas, el de izquierdas, el director de mi sucusal le invitan a una caña, incluso rafa se paga una seguro.

Que si hay que hacer políticas de estado a largo plazo, el que las quiera hacer tendrá que pagar una ronda a todo el ejecutivo, que bien saben ellos que más votos se ganan subiendo a Picos que haciendo políticas incomprensibles a largo plazo. Rafa ponnos otra que ahora pago yo dos rondas, una para brindar con la mano izquierda y otra para brindar con la mano derecha, que el primero que nos haga una política de éstas le invitamos a cenar, y brindamos con la del centro.

Y que se venga la macarena, que yo le rezo una oración y le pongo 5 velas (no negras), y lo que haga falta, que esta bonita españa bien lo merece, y este bonito mundo, hay que disfrutarlo, y dale alegría a su cuerpo rafa, y ponnos otra que pagan carsola y enculeitor, que no nos salva la maca, que no que no, que no nos salva ni dios, pero esto tiene una cosa, que sea como sea hay que hacerlo funcionar, porque si no funciona los especuladores no pueden especular, y por eso, justo por eso, nos vamos a salvar, que si que si.

Que leo artículos de profesores y de otros foros, chistes de economía doméstica y anécdotas económicas de empresas como google que nos pegan aquí, y digo que esto se merece un brindis por tener un espacio donde entre todos recopilamos tanta información, tanto buen humor, y tanto berrinche, y me acuerdo de un viejo chiste, que además puede completar la lista de medidas anti-crisis y anti-especuleitors, que si a Javier le ha gustado el post de jac, a mí me ha gustado el post de javier, y me digo: voy al bar de rafa a contárselo a mis paisanos.

CONSEJO INVERSOR PARA EL 2º SEMESTRE DEL 2008 y …. VISTO LO VISTO PARA EL AÑO 2009

Tatúese un euro en el pene y….. disfrute de cinco ventajas:

1º Disfrutará moviendo su dinero.

2º Verá crecer su inversión.

3º No le importará que su mujer se coma sus ahorros…

4º Sólo usted decide cómo proteger su inversión, y…

5º Sólo usted decide dónde meter su dinero.

Siempre pensando en usted, le saluda su asesor de inversiones.

# 14 , Nadal con 400€
—–
cierto, pero por desgracia, y sin ánimo de ofender a ningún forista, la lista és algo más larga.

c) inmigrantes derivados de la construcción, q stan en sus países, y cobrando el paro de españa. sisi, cierto.
d) “niñatos”, que pasan olímpicamente de trabajar, ya que han hecho hucha en vacas gordas, y agotarán los 2 años de paro religiosamente.
e) gente, que, cobra el paro, y trabaja 4-5 horas en bares, transportista, o ayudantes de carga/descarga, y cobran en negro, total: paro+negro, curran 4 horas, y cobran 2mil euros.
f) currantes de los de verdad, q su empresa se ha ido a pique, y desgraciadamiento no encuentra trabajo.
g)paletas, que estan en el paro, y aspiran a seguir cobrando lo mismo, mientras no, cobran del paro y hacen chapuzas por las casas en negro…

conclusión: si de esos 2.5millones, restamos los que se las estan tocando en casa, los que se aprovechan de pluriempleado (paro+negro), y algunos de la lista más… creo q no llegaríamos ni al 6%. España, és el país del tocomocho con el tocho, y de sangrar las arcas lo que uno pueda. triste pero cierto, así, sin remar todos a la vez, seguiremos incrementando esa cifra, y podemos batir aunténticos records. al tiempo.
conclusión2: EL QUE QUIERE TRABAJAR, TRABAJA. DE LO QUE SEA.

También estan los del tipo C, Funcionarios del estado tipo policias locales,(un ejemplo) con sueldos de 1700€(aprox.) que pillan la baja durante meses y meses cobrando el 100% de su sueldo, por un leve dolor de espalda. Injusticias las hay y las habrá siempre.

Buen día a tod@s

Pd. Las cifras del paro estan igual que en el año 1988,( esto me empieza asustar)

# 39 , ACOJONANTE… LO QUE VIENE !!!

Otro que ha leido a SNB alias “ternero joven”

¡ Ála, machote, ya has redescubierto la sopa de ajo !

Aunque, alomejor, se te ha olvidado la preposición “de” y lo que querias decir es:

“Una crisis DE total”

Porque con los precios que tiene esa cadena de gasolineras……..

Hoy me dejo de filosofía e intento explicar un poco que significa para un banco un 2 % de morosidad, que significa para un banco un 2 % de morosidad en el peor de los supuestos posibles, veamos:

- El banco no tiene fondos propios para conceder préstamos hipotecarios y solicita dinero interbancario a un tipo como todos sabréis de Euribor (pongamos que este sea un 5 % para que salgan cuentas redondas).
- El banco utiliza este dinero en préstamos con garantía hipotecaria, aplicándole al Euribor un diferencial del 1 %, (Euribor + 1) es decir un 6 % de interés.
- El banco concede 100 hipotecas con un importe de 180.000 €.
- El banco cobra en cada una de esas hipotecas una comisión de apertura del 1 % (180.000 € en total).
- El banco concede todas estas hipotecas a un plazo de 30 años.
- Ahora vienen las cuentas:
180.000 € con un plazo de amortización de 30 años a un 5 % de interés: Cuota: 966,28 €
180.000 € con un plazo de amortización de 30 años a un 6 % de interés: Cuota: 1.079,19 €
Diferencia: 112,91 €
Diferencia en 100 hipotecas: 11.291 €
Morosidad 2 %: El banco tiene que seguir pagando dos cuotas del dinero solicitado en el interbancario, es decir: 966,28 X 2 = 1.932,56 €.
Reserva: El banco cobro un 1 % de comisión de apertura en cada operación, es decir: 180.000 € en total, por lo tanto cancela en el interbancario 180.000 € de una de las dos operaciones que entraron en morosidad.
Morosidad 2 %: Como el banco abona 180.000 € solo tiene que continuar pagando al interbancario 966,28 €.
Totales: El banco cobra el 98 % de las hipotecas 112,91 € X 98 hipotecas = 11.065,18 €, a este importe hay que restarle los 966,28 € que el banco tiene que seguir pagando en el interbancario: 11.065,18 € - 966,28 € = 10.098,90 €.
Final:
a) El banco percibe mensualmente una vez pagado el interbancario 10.098,90 €.
b) El banco adquiere un patrimonio de 2 viviendas, que hipoteco en 180.000 € cada una, viviendas a las que quitándole el 20 % (tasación) y el 10 % (gastos cliente) pueden vender en 126.000 € cada una.
c) Mi opinión, YA LA SABEIS.

# 45 , POM
no no, la cosa és mejor. Eran los propios agricultores los que llevaban la mercancía a las tiendas en furgonetas, y diariamente. Y aún así, ganaban más dinero. Estaban a 20-25km de las tiendas.
Para reflexionar eh?