Commentary and video of the week.

Good morning, everyone;
According to experts, and as analysts / ye, the Euribor for the end of 2008 would be approximately 4%. Will this be poxible in a context of recession, especially if state aid to the crisis did not have the desired effect?.

thanks and greetings to all

The Euribor at the end of 2008 will rise, drop or remain constant, that nobody knows.

The theory of the Euribor 50 pb on the price of money we have already seen that it is not real. However, if someone makes a truncheon, I bet by 4.25%

Paniagua man, is that if you have a serious problem in one eye and you go to private, you basically have to keep the public because there is no private eye guard presence, and one of two or waiting two hours to come if you call, or it will address a medical specialty without saying that it is an ophthalmologist (That is my typical in these clinics). Maybe you stay without eye

For # 2 Antizapatitos:

I agree with what you say.

Now, if someone knows that require it to count to ten, do it, yes, and incidentally learn spelling and writing government with B.

I am an autonomous single employee and things really are not going very well ... if we go into deflation ... as it should be moved to understand that wages ... like inflation or the CPI?, Leaving equal wages? ... Like what you see? ?

Droblo versus Clopez, there is a problemilla with interest rates so low.

I was watching the video that was hung by Leopoldo Abadia and explains it very well.
Low interest:
- Banks do not earn money with interest
- Banks are not liquid because people do not invest in your deposits Or you metereias on a fixed term with a 2% inflation between 3-4%

SOLUTION:
- Seeking secret of FINANCING FOR SOMETHING SOUNDED are you?

has shown that banks have caught balls by the system and what is worse is that banks know it.

BY MY EXPERIENCE IN THE BUILDING THAT YOU CAN SAY "temporary arrangement" can be used ONLY HAVE TO LOSE MORE TIME AND MONEY TO POST

Finally, we will see but I smell that this drop in interest was to produce a bounce from here to brutal 1-2 years, with interest above 10%

You know that I have read that Iceland IMF to leave the money to spend because of a condition that the interests of the 15-18%? I've read by what I have in there but not confirmed

# 6, sara

Pagándome been three years since a mutual, and that unfortunately I will not allow power and I can assure you that so far I have not had any complaints. Indeed I quitármelo nearing the meal rather than cancel. Most doctors who cater to you by the public, tb do so for private treatment and has nothing to do and the waiting lists did not speak. It also depends on where you live are more or less saturated.

Go to empastarte a tooth to the public, to see what you say. And with what they pay SS 4 wheels could fill a month. Anyway, there are more days that pots.

You really are the interest above 10% in 1 or 2 years? ... ¬ ¬

Well id doing site under the bridges, because NI GOD going to be able to afford a house. A live in communes.

Come on man, the rebound effect has already passed, which have risen on the Euribor a lot this year, trying to counter the deficit and the crisis with which we are mortgaged, so what have succeeded? just the opposite. What do you expect, that people will pay between 300-500 euros more for mortgages, as little and continue so lavishly?

Every time I have clearer than in the world are ruled by jackass.

Why anyone seen what some of Codere?

# 1 Theobald,

Let's see, a priori Trichet will cut rates 50 basis points. Putting a spread of 100 talk about 4.25% as the Euribor. Lowest I feel somewhat optimistic. I would say that between 4.25% and 4.50%.

# 19 LEON,

It is true what you comment, but the final descent we are seeing in the Euribor not the result of the mistrust that has fallen interbank, but that has dropped the Euribor.

And it has fallen as a result of the terrible collapse of financial markets in October, following the collapse of oil prices, as a result of increased dismissed in EREs around the world. As a result of the decline in domestic consumption in all advanced countries, which has led to a decline in inflation unthinkable just three weeks ago. So I myself with a song in the teeth if the differential is 100 basis points.

If it is true that one of the measures taken by the ECB seems to me very good to reduce the differential, which is that any bank can access additional funds to the price of money in the ECB without having to go out and get it to market. But still I think far too low a spread like that you propose.

Anyway there are only two months. Soon we'll see. For my part I would love to be the reason you and I were wrong.

I get to think long and hard, the lack of quorum in the parlamento.A politicians have chosen us, so are our representatives, our employees are. With whom he is falling and with it has to fall, however, the attitude of this "caste" is unacceptable.
Neither is happening to us in our work to stop and assist when things look most clubs, would no longer with us, we would make next.
We have to do with these people ... is not that we do not give solutions, in a thousand things, not even discuss what it is not his job.
What would happen to us in our respective businesses?
They claim to follow the end of the month of what we generate the rest of "españolitos."
And nothing on Monday happy to work, which has it, and hopefully by 2009 be as mild as possible.
And to those ... I reserve the opinion.
What is the rest?

Greetings

Good night, vietnam

I want my mortgage with JPMorgan
The U.S. bank postponed three months the recovery of the mortgages to all customers

http://www.elpais.com/articulo/economia/Quiero/hipoteca/JPMorgan/elpepueco/20081101elpepueco_1/Tes

See you later

# 20, JavierML

Not to me if I take a very optimistic, but thought that in little more than 20 days, the Euribor has fallen from 5526 to 4865. They are almost 7 tenths in those twenty days.

By the end of the year will be slightly more than 40 meetings between November and December and most likely on June 6, the ECB get off another half-point interest rate up to 3.25.

That's why I do not see very hard that if 20 days has dropped 7 tenths, into something more than 40 days down 8 tenths more and stay at 4%.

Although it is also true that with the revolt that is the economy, elections for half of USA, any unexpected shock that emerges, etc .... because we bring a scare. Do not say no, but if there is a degree of normalcy, it is logical that at year end or early 2009, starting with the Euribor 3 (lucky number) instead of 4.

I leave you this link for five days. Already predicting that 2009 will bring us (finally) some joy in the share of the mortgage.

http://www.cincodias.com/articulo/D/letra-hipoteca-dara-alegrias-2009/20081101cdscdicnd_9/cdspor/

Greetings

Very good:

"Another thing, that delinquencies have Caja Madrid? What you know of Unicaja? there ... I keep my savings. Well, you see, Unicaja is not the worst. Cajasol what? I have a brother working in / for / by / sooo / after that entity. Anyway acojonante is the increase in delinquencies in all of them. Is Unicaja is that of the priests, no?. Well that of the priests patanegra is Cajasur. Ahh true, Cajasur, CIETT. They have to drop all buddy, this is like dominoes: someone has pushed the first sheet and gradually all go down.

We can not be flexible with the structure of caciquil savings banks, and its relationship with the warlords. It is something repulsive, as they have been removed from their focus. Gentlemen, the SS is not to feed chupópteros, but in advocating a development model in a local-global, and that the savings banks have failed miserably. The arrears, that beautiful reflection!
Perhaps the plot must be viewed from a perspective marketiniana. Because milestone on that product is concentrated blackberry?
Of course focuses on the mortgage industry.
That performance has a mortgage: Euribor + a differential minimum!, That is, peanuts, so it is a product of loyalty, because you got the mortgage, you typically have payroll, credit and debit card, some personal loan (to get in the end the mortgage), insurance, deposits, securities custody contracts with those operas in purchase of securities, etc ...
That is, we have assembled all of this travesty in an asset of primary necessity, borne on a product loyalty!
The Bank of Spain, with Mr Red and company, designed the system of provisions cyclical, based on which, the Spanish financial system, should be required to provisions for failure to prevent in the future.
Did you know these men when they rode the invention that was going to speculate on a financial product loyalty?, Knew about marketing? Or just look at numbers and not analyzed the probability of default well before declines in the market to speculate on real estate basic necessities?.
Now the savings banks complain, because according to them, counselors and bosses do not agree because they lose political power. But in the meantime, our SMEs are dying of starvation, and because their business model is set up on the thymus pyramidal pisito, which has sin of naive, both the government (which has seen a way of lashing chachipiruli), the financial sector (which has had to join the bandwagon, whether obligatorily, or because the competition did), business (which does not invest one cent in the euro innovate, but they buy kilos and kilos of bricks. Let us not forget that 40% of housing production was buying the business) and people (involved in a great social bubble, and buying homes with mortgages to 120%, or exceeds 30% of their income by far, let us not forget that young people spend up to 65% of their income to mortgage payment, that in the U.S., would be subprime superrumbo). "

"Certainly it is Halloween, if you have to give a scare and party politics is dying of printing, because it hurts to see what happens to your country, and as we are the laughing stock of half a world. Now the only way to straighten this is the technostructure, and that the qualified lead. Where are they? ¿Emigrants? Mobb ¿?. ¿Withstand españolitos the outrage? I can only indicate that the deudalismo with unemployment is a time bomb, since it ends with a social implosion. "

http://acratas.mihost.info/Prometheo/

By the way guys ... knowing you are dropping and by watching video of dog ...

Do you still think that interest rates will tend to zero infinity?

We think the situation we are experiencing is minimally normal ?????

By God ... do not be engañéis! The day less thought subidón a stick ... that is half cagará world.

What is happening is of such magnitude and with such uncertainty ... that any mortgaged it comes to loose that move the world economic cotarro

Agarraos males because one of these days we are going to get droblada.

Lo said. Much much eye ... or eyelet.

Now what?
Once I had a friend who had the flu. The doctor told him what everyone says, "The solution is sudarla in bed. You can take some medicine for the symptoms but you have to let the immune system acting on the virus. No more. "But my friend was obsessed. Do not stop watching the thermometer and obviously had a fever. But I wanted to heal immediately, overnight. To do this, and the optional recommendation was made to take any kind of "medicine" found that antibiotics, anxiolytics, slimming, sweeteners, and so on. Of course, not being in bed, which was what he played, failed to improve. In the end the flu turned into pneumonia aggravated by an infection. What should have lasted four or five days into a month.

Of course my friend is imaginary. But governments are behaving these days like my friend. Do not stop looking at the bag and make important decisions on economic policy coup of the bell on Wall Street. And, worse than this, assess the effectiveness of measures depending on whether the stock market go up or down the day after his announcement. Can you be more incapable? Well, yes. You can say things that monsier Sarkozy said adicttion for this nonsense approach to economic policy, "the stock market has fallen to historically low levels." To say this crap, is there a train that comes naturally or do you? Someone should teach the charts of the past 20 years in the U.S. and European stock markets or explain what is historically low, the Nikkei trading in 1991 came to 37,000 and closed yesterday at 8192. That is historically low. With a little luck if they continue putting the economy on all kinds of medicines (necessary and not necessary) to see an immediate result on the stock exchanges (when the economy is heading towards a typical cyclical downturn, customary in any capitalist system) if that could getting to be historically low values. We must put the patient in bed and give him medicine for the symptoms: flu already have one. And do not expect miracles from one day to another.

http://jgmontalvo.blogspot.com/2008/10/y-ahora-qu.html

My future

I encourage those who in these days are losing their jobs, and those who lost shortly
I was 4 months without work, now thankfully I have until July and will soon add another job until April. If moonlighting, if not, not religion. My companion also has multiple jobs. I know, some pensareis, go bastards with a lack of work has been done ... ....

But there is no choice but the two that we think 2009 is going to be tough, we will use every opportunity in view of what is coming over.
In related businesses audiovisual and information, there is a genuine state of panic. Advertising revenues have almost disappeared, I have colleagues in various media, reduced staffing Pais, ABC, the world and so many others too, including the national television channels. In one in which I collaborate, 300 staff have moved to 30, not made by leaving more expensive than if not, so I ask forgiveness, but this year I die working, all I can.
I encourage ...
my nightstick December Euribor x 3.875

There is no box or bench that is not free of subidón of late, some of the worrying begins to be pulling to DEFCON 2. More worrisome because these data that we present are from the same entities concerned, so we do not want or could imagine to be the real pufo resulting in an external and independent audit. Even with these limitations, we agree that the important thing about the chart is not so much the absolute value of late payments, although some already beginning to be worrisome, but the increase accelerated this. In just the third quarter of 2008, arrears of more than a few boxes and stool has soared, in some cases doubled. This development will put exponentially within a few months to many /-as on the brink of bankruptcy.

El camino de las fusiones, para encubrir esas quiebras, ya ha empezado, pero a muchas de estas cajitas la solución de la fusión no les llegará a tiempo y simplemente serán deglutidas por los botinescos que se queden con el Estado a su servicio. Ya saben Vds que la partitocracia que tenemos en España, cada vez menos llaman a la II Restauración borbónica democracia, si a alguien le sirve es precisamente a nuestros ilustres caciquiles, que saben que con el dinero de todos se defienden sus propios intereses. Trataran, eso si, de convertirnos a todos a la nueva religión deudalista, como acertadamente la ha bautizado el Dr Knife, para que trabajemos como esclavos felices, a mayor beneficio de los bancos feudales, el resto de nuestras vidas. Aguantaremos los españolitos el ultraje? ellos apuestan que sí.

Good morning, vietnam

“El Banco de Kazajistán emitirá tarjetas de crédito con un diamante”
http://www.lavanguardia.es/lv24h/20081101/53570825466.html

El Banco de Spain, hará una para garbanceros y ladrilliles, con un logo donde saldrá un panteón con una llamita y la inscripción RIP

Hasta luego

Buenos dias,

Cada vez que veo este video (abadia) solo puedo decir que:

“Si hubiéramos tenido profesores que explicaran los problemas con tanta facilidad, todos habríamos sacado matriculas de honor en clase”.

Saludos

# 30 , jopelines
muy bueno jalisco jajaja pero decir eso EN ESTE NIDO DE PPEROS ES PELIGROSO

Por que dices PPeros cuando quieres decir franquistas?

Recuerda que estan adoctrinados desde una emisora de radio, y los del PP quedan a la izquierda de sus nuevas doctrinas, ahora hay que criticar a la seguridad social para que su protegida Espe pueda privatizar la sanidad poniendo al frente a sus amiguetes, cuando el ciudadano de a pie se quede sin coberturas sanitarias será el momento de culpar a los inmigrantes, el plan sigue su curso, ya estan casi convencidos que hay que privatizar la sanidad.

Palabra de Dios, te alabamos Fedegico.

Voy a ver si me deja intervenir el programa.

Hace bastantes meses propuse que los Bancos aflojaran parte de lo que cobraban a los hipotecados sacandolo de sus astronomicas cuentas de beneficios.

Parece que JPmorgan ha dado el primer paso.

En punto a lo de Abadia, lo que yo quisiera saber es lo siguiente:

Tenemos un trillon de dolares, supuestamente, prestado a gente sin recursos que lo ha fundido. Hay mucha gente que ha comprado esos titulos de credito ahora sin valor.

Los bancos centrales no pueden cubrir toda esa cantidad sin disparatar la inflaccion. (No entiendo porque no sube esta ya como la espuma, con todo el dinero que estan metiedo en el sistema dandole a la maquina de los billetes).

El dinero invertido en esos titulos podridos procedera de particulares, corporaciones y estados. Los particulares perderan sus ahorros, las corporaciones se vendran abajo, o seran rescatadas con fondos publicos y los estados perderan mucho dinero pero seguiran ahi tirando de la maquina de los billetes.

Probablemente todos seremos mas pobres, pero los ricos seran menos ricos. Creo que los ricos son una desgracia para el planeta con un consumo abusivo de recursos.

La verdad es que da miedo.

Saludos.

Buenos Días a todos:

Aquí os dejo dos enlaces de una entrevista a Santiago Niño Becerra, que aunque se que no está muy bien visto por algunos participantes en este foro, hay que ser objetivos y reconocerle que lleva dos años anunciando esta crisis y por desgracia no se a equivocado.

1ª parte http://www.youtube.com/watch?v=1w3VpIbhdUI
2ª parte http://www.youtube.com/watch?v=OBaPiyH5WIQ

Que Dios nos ayude a todos

No entiendo el afan por insultar a la gente, eso de los PPERROS si que suena a fascistoide y de bastante poca educación política. Hasta donde yo se el fascismo y el liberalismo no se llevan muy bien y en cambio las teorías socialistas (y las prácticas mas) y los fascismos si tienen mucho en común.

Por favor, un mínimo de respeto a la inteligencia, a la historia ya la humanidad. Con lo bueno que es el creador del foro y muchos de los que aqui escriben y la manía que tienen algunos de enmierdarlo todo con su discurso político descalificante. OJO que se lo apliquen todos por lo que a mi respecta.

#11 ICG

De acuerdo con suprimir gastos superfluos, pero no considero como tales las clases de idiomas y la formación en general.
¿Cual creeis que es una de las causas principales de la particular y violenta crisis de nuestro país?
¡Más formación, por Diós, más formación!

Estos comentarios supuestamente apoliticos pero que se les ve el plumero … me parecen poco serios. Podría haber comentado los consejeros de la diputación de Almería, cobrando 3000€ al mes (lo que yo gano en casi 3 meses) … Que pasa, qué son gastos solamente, qué son metira los informes del dinero que supone de ingresos. Vamos si me cuesta 10 y obtengo 15 … ¿dónde hay que firmar?

Y fue el más votado? … saquen conclusiones.

El que no sea un estomago agradecido de algún partido politico (me da igual PSOE, PP, IU o su ….) y defienda a esta panda de inútiles que nos gobiernas (nación, comunidad, ciudad, …) que sea consecuente y no se quje cuando nos la metan (nos la están metiendo) doblada. Las ovejas entran solas en el matadero.

Finalmente, el problema que tenemos (y en eso somo potencia mundial) es el PARO, mientras la gente tiene una mínima posibilidad luchará por pagar su casa, scar a la familia adelante, … pero si no ves ni un rayo de luz … complicado.

Suerte a los que lo están pasando mal y que les “den y bien” a los que han provocado que lo pasemos mal.

# 38 , MÁS FORMACIÓN, POR DIÓS
2 de Noviembre de 2008, a las 14:01.

#11 ICG

De acuerdo con suprimir gastos superfluos, pero no considero como tales las clases de idiomas y la formación en general.
¿Cual creeis que es una de las causas principales de la particular y violenta crisis de nuestro país?
¡Más formación, por Diós, más formación!
———————————
Ya sé que de aquí no deberíamos quitar pasta… pero si nos hemos empufao con la hipoteca y no nos llega para todo…

¿De dónde quitas? ¿de comer o de las clases?

Yo me quitaría las clases… según dicen no se puede vivir sin comer.

Jajaja!!! Saludos !!!

Alonso campeón
http://blogimg0.ifrance.com/00/06/5d/417261.jpg

“deberás lo creéis?? ”

Así no va con la ESO, quizá debiera ser “de veras”

Última hora: Nacionalizo el banco BPN portugués.

Primer banco portugués nacionalizado.

Españoles… ya estamos rodeados !!!

Quedamos nosotros por nacionalizar… cuánto tardaremos???

Hagan sus apuestas señores.

(Disculpa pero no tengo un ecorreo directo para ponerme en contacto, Gracias)
Hola,
He encontrado unas explicaciones correctas y soluciones de verdad a la crisis financiera que pudieran ser de tu interes en este enlace:
http://www.peatom.info/3y3/elipsis/113537/la-crisis-la-estan-explicando-los-mismos-que-la-han-creado/
donde se habla de una completa reingeniera institucional monetaria de nuevo calado, la necesidad de recuperar contabilidad cautelar y de desarrollar una formación financiera más atinente.
Saludos, Lucas

Telefónica va a jubilar a 700 trabajadores/as con una edad mínima de 48 años, y los sindicatos están de acuerdo. ¿Saben como hay que leer esa noticia?, pues así: ‘Telefónica, tras analizar su situación actual y sus perspectivas futuras de negocio y considerando la previsible evolución de la tecnología de la comunicación en los próximos años, ha llegado a la conclusión de que le van a sobrar HHHHH horas de trabajo anuales de media durante los próximos A años. Traducidas esas horas a su equivalente en personas el resultado es de PPPP personas excedentarias, y, compensado el número con todos los elementos compensatorios que, por las razones que sea, hayan tenido que introducirse, se ha obtenido el resultado de 700 trabajadoras/es con una edad mínima de 48 años’. Acostumbrémonos a este tipo de noticias porque a medida que nos vayamos aproximando al 2010 van a proliferar, y, cuando la crisis estalle se convertirán en lo habitual.

Cuando el precio ‘de los pisos’ no cesaba de aumentar, los políticos se llenaban la boca diciendo que las españolas y los españoles eran más ricos, ¿dirán ahora cuando el precio está bajando que son más pobres?. ¿En virtud de qué extraño mecanismo la adquisición de una vivienda para ser usada como residencia es considerada una inversión y no un consumo?, ¿por qué demonios el valor de un inmueble comprado para vivir en él computa como riqueza?, ¿porque puede ser hipotecado para adquirir un Ferrari?. Misterios misteriosos.

Nuestro amigo SNB.

# 46 , Lucas

Magnífico enlace. Gracias por aportarlo. Merece la pena leerse despacio.
El entrevistado me recuerda mucho en su forma de expresarse a alguien de este blog.

#36 Anónimo

¡Qué perla eres! Un energúmeno insulta a los pertenecientes a un grupo político, que, te guste o no, vota una gran mayoría de españoles, y tú te pones a favor del insultante.

¿Y todavía te atreves a dar clases de dignidad?

¿No te ibas a largar del foro?

Lamentablemente lo de dar la nota es para ti como una droga, dudo mucho que nos beneficies a todos con tu ida definitiva del foro.

Forest gump

Cuando se deja en blanco la casilla “nombre” siempre sale anonimo

¿todos los comentarios anonimos se los aplicas al mismo usuario?

Pos si que eres ton-to si

Me permito insultarte por que hago exactamente lo mismo que tu haces

Te das por aludido cuando anonimo habla de franquistas
porque eres de la misma tierra que Paquiño?

Tremenda personalidad la tuya, si hitler hubiese nacido en Finsterra tu serias neonazi?

Hoy no has sacado el absurdo comentario del prestige,
¿que tipo de trauma te creo la gente que os ayudo a limpiar el chapapote?
¿habria sido mejor dejar aquello lleno de brea?

Venga elige tu quien puede y quien no puede entrar en el foro tontolaba.