Real CPI

Since he is no longer the "gold standard" and a ticket does not represent anything physical but simply faith in its issuer has formalized the old adage that says that the basis of the economy is confidence. As long as there is confidence the economy may go well although there are points "dark". Why? Because if consumers and businesses and banks believe in a good future, spend, invest and lend and this will generate well-paid jobs so the virtuous circle will continue to operate and will continue to spend, invest and banks to finance projects future.

For that confidence is not lost speeches by political and economic decision usually mostly reassuring because if you lose falling economic growth and are entering a vicious circle: consumers do not spend, businesses earn less and reduce their investment and the banks get the credit because bad debt increases. And the order may be reversed as is happening with the current crisis: the banks reduce credit before the outbreak of the housing bubble and late payment by bad investments, get the credit to businesses and consumers, scared by all this, spending less and therefore less to buy companies that reduce their profits and, ultimately, generate unemployment. Besides the problem in society that this generates, it is clear that if unemployment rises and companies and banks earn less income are also lower because of the administration are charged less tax at a time that should increase social spending.

All this is very basic, nothing original but there is one factor that can undermine the confidence that usually goes unnoticed: the veracity of official data. And because they are not certain or not, but by the manner of calculating them. And it would take pages to explain how such data in the USA is distorted industrial orders each month with the orders of governmental machinery of war or the handling of the Department of Labor with the monthly employment data ... there are many examples. However, one of the most striking to me is the calculation of the CPI.

Take the example of Spain, whose CPI in 2007 was 4.2%, which should mean that average prices rose by 4.2% but it is clear that a TV-for example, do not shop every week or even every year But the milk (which went up 31%) is almost daily, or the pan (+14%) and fuels (+16.2%). Some say that the perception of these costs-to-be everyday makes us believe that inflation is higher than it is but I think that is the weighting system which is not fair.

How is it possible that if housing prices went up by 30% annual inflation was only 3% if half of the household budget goes to pay the house itself? Let us go further: In the mid-20, share prices in the U.S. grew an average of 3.5 times in five years, but the prices of consumer goods did not vary significantly. Should we conclude that there was no inflation? Why? Why exclude the rates of inflation, for no reason, financial assets? If low interest rates we had in Spain in recent years had flow, rather than mortgage credit, to consumer credit, the CPI would have been fired (instead of housing prices) and it would have suffered Official inflation.

The current base weights of 2001 and are adjusted each year minimally. The latest data available are these:

Groups	CPI base 2001 Weights 2002	CPI base 2001 Weights 2003	CPI base 2001 Weights 2004-2005	CPI base 2001 Weights 2006
01. Food and soft drinks	21.86	21.93	22.60	22.28
02. Alcoholic drinks and snuff	3.22	3.18	3.17	3.07
03. Clothing and footwear	9.93	9.90	9.73	9.25
04. Housing	11.03	10.68	10.69	10.71

05. Tableware	6.36	6.41	6.41	6.17
06. Medicine	2.81	2.75	2.68	2.72
07. Shipping	15.58	15.32	14.40	14.91
08. Communications	2.57	2.73	2.99	3.28

09. Leisure and culture	6.73	6.83	6.76	6.78
10. Teaching	1.74	1.67	1.67	1.68
11. Hotels, cafes and restaurants	11.27	11.18	11.23	11.45
12. Other goods and services	6.91	7.39	7.39	7.72

TOTAL	100.00	100.00	100.00	100.00

With these data you can see that inflation affects the poorest who are based consumption especially in the first paragraph.

Now that every reader will see if this table is in line with their usual costs and check that this calculation very similar in all the countries around us, is very subjective ... Of course, while we believe the data and return to the issue of confidence - Everything will be fine and accept that our salaries and pensions go up each year, the official CPI and so we think that we do not lose purchasing power.

At this official website you can calculate the CPI has risen far from the official dates (data from 1961):

PD - Still others are doing worse, look at the figures of the country most inflationary in the world:

Summary: press

Droblo written by the November 13, 2008 with 428 points.
Read more articles on Euribor

[+] Reddit: This article stresses
[+] Del.icio.us: Add this article to Favorites
[+] Furl: Add this article to Favorites

The week in the markets (6-13 Nov) (Nov 14, 2008)
The economy of Homer (III) (November 12, 2008)
What inherits Obama (Nov. 11, 2008)
Gutting the mortgage. (Nov. 10, 2008)
Commentary and video of the week. (November 8, 2008)

Pages: [1] 2 3 4 5 6 7 8 9 »

428 reviews

Read the comments left by other users below, or:

Leave your comment

Pages: [1] 2 3 4 5 6 7 8 9 »

# 1, Good Night and Good Luck!

November 13, 2008, at 9:18.

Recession in Germany!
http://www.bloomberg.com/apps/news?pid=20601087&sid=aV1q1nQoldKc&refer=home

That would help that Mr Trichet lower rates again next month? I suppose that if, you know that if Germany were costipa the ECB cared.
info. Petroleo
Energy
PRICE CHANGE% CHANGE TIME
Brent Crude FUTRO (U.S. $ / bbl.) 51,160 -1,210 -2.31 02:44
WTI CRUDE FUTURE (U.S. $ / bbl.) 55,030 -1,130 -2.01 02:39

Euribor today
4367

# 2, All batons

November 13, 2008, at 9:19.

My baton for today:
Euribor 12m 4.363

-6

# 3, Solbes ruin zp unions

November 13, 2008, at 9:24.

baton: 4.345

-10

# 4, Anonymous

November 13, 2008, at 9:25.

Buuuuenos days!

Some reflections of a private ...

"... Why do the thing looks VERY BAD? Because when I come home I read that the U.S. Treasury has said where I said Diego. He said that it is better capitalized banks that buy illiquid assets, ie the exact opposite of what he said a few months ago when it announced the National Rescue Plan. In addition, they all want to point to the Rescue Plan. In other words, there is no money for everyone. Urges a new rescue plan ... "

"... I have also read that the Bank of England said that this is the Mother of All Crises and going for long. Come on, have been wrong in their predictions ... "

"... When I read the multitude of news related to layoffs and company closures, I opened the meat ..."

I totally agree. You?

+20

# 5, jdx

November 13, 2008, at 9:25.

regrettable, and gasoline is still down ... damn thieves

+62

# 6, Pepita

November 13, 2008, at 9:27.

Another press release:
Repsol YPF wins 15% more until September because of high oil prices
http://elcorreodigital.finanzas.com/noticias/empresas/2008-11-13/62699_repsol-gano-2816-millones-hasta.html
Les has gone right for the move and consequent rise of a barrel of oil down.
Greetings

+23

# 7, ICG

November 13, 2008, at 9:27.

According to an Internet user optimistic ...

No, I will not talk about that. (Those who choose the dates of events, based on what will be guided?).

It is the day that should be on the table proposals that experts elected / appointed / nominated at the meeting of G - 20 + 1 (how much will have cost us / what we will leave the side in the picture?) Of 15N I think that is pure formalism: who should know you know what to do, and now touch the settings.

What is surprising (I think it is incredible) is what we are selling: that such a summit, the European meetings which are made every day in the administrations of those countries are to fix the situation. Do not ask me what: I do not know that these summits are not those meetings, but I am convinced that it is said, do not: they, the politicians who attend (the experts who advise them, I mean) know that what is happening, what will happen, it has no meaning: the crisis will come, and the most that can aspire is to mitigate its effects, and, at heights that I am concerned we do not see anything in that sense (as will not say no, but do not tell, why?).

Making a summary of the summary, the vast majority of everything that has been said so far goes in the direction of aid sectorializadas and public spending, ie Keynes Revival, and I keep saying that the first thing should be done is an estimate what is going to have, how much is going to take the cash, the real expectations of the evolution of revenues, the public, of course, but also from private schools. And I'm not hearing any of that.

Then it would have to make a dispassionate analysis of priorities, and if you like, well, and if not, well, that is, make a list of emergency forgetting the votes and elections.

Then begin to take action if we need / a professional in this place, this / that professional will have to go to that place, if a person in country X came to work in construction and not built anything, you should go, without dramas, but you have to go.

Unemployment of labor is going to shoot because much of the activity is going to stop (which is why, among other reasons, we will have to relocate part of the active population), but will have to consider that part of that unemployment is no longer never disappear: the recovery, which will, come on the side of productivity, efficiency: scarce resources, and not by the overconsumption of a diet of cheap money, and of course, there will be economies that will suffer especially, as the of the kingdom, as the U.S..

Pc. they know what we have discussed here: the unemployment rate in the USA is unreal: it is considered employed anyone who has worked at least an hour last month which has been done statistics, in addition, underemployment has been high in USA since the early'80s, and, besides, there are the poor woorking: workers is, you may hiperempleados, performing jobs with salaries marginal or no: only for tips. If the statistics are that the unemployment rate in the U.S. today is 6.5%, more Europeans could easily reach 10.5% (Cambridge University conducted a study years ago on the subject). And U.S. consumption, to hipercrédito, generates nearly 70% of GDP.

USA in is talk of a second package of tax incentives, another aid plan in Germany, in France to create a sovereign fund to defend the national industry, in Spain the Minister of Economy has said that there are no more pasta for aid : At last!: A reality. All this is for internal consumption, the good thing is what is going to bake in the expert committees born to the European summit last 7N and the G - 20 + 1 15N.

I repeat, repeat, is not going to fix anything, is going to draw the beams of a new monetary-financial information, nothing more. I think that the structure can be defined in 2012, has already broken out when the worst of the crisis and the global economy is no longer falling. I think we can go implemented during the period of stagnation: between 2012 and 2015, and I think we can begin to be operational when the soft, slow, slow recovery, but not before. It is my opinion clear.

(American Express has ceased to be who it was. Remember: "American Express?. Thank you, sir." Obviously, nothing is as it was).

Signed: An optimistic head to foot. SNB.

-23

# 8 Anonymous

November 13, 2008, at 9:28.

Dow Jones Industrial Average Change: -411.30 -4.73%

How far you can get off the bag?

This weekend playing bad review of this economic system, to see where to go, I get scared, historically have always solved the major crisis with a major war, Virgencita illuminates these politicians / bankers who manage the planet, or at least make it disappear , In the end always end up paying the same hapless duck.

+10

# 9, ICG

November 13, 2008, at 9:29.

And more ...

And everywhere (you may here more), trade unions demanding, requiring politicians to take actions against the divestments, against the closures, against the possible moves against the theoretical relocations: fewer and fewer: manufacturing, where if sales are falling everywhere?; and threaten to 'strike activity' (is no longer fashionable to say 'strike', why?) to companies that arise divest, close, relocate, and they are wrong now and before. Trade unions, politicians, including companies.

When everything was going well, the unions do not studied the situation, did not request a hearing politicians, and they will not be asked if they had thought for the zone X no longer be competitive to manufacture good for the company and Z. I do not know if they saw it was going to happen what is happening now (I tend to think that if they have services for studies, but then ...).

The politicians also called on trade unions and told them that he had to talk about an issue: how to approach the loss of competitiveness of the X zone, an area in which the company is located at Z and the company that manufactures the well Y.

And neither the union nor the politicians they said represented their sexes or their constituents / is that within a few years there were going to have problems in the area X and Z that the company would close and that was to go to another place to produce the good and because its production was not competitive in that area, why we had to go designing a replacement plan.

Now unions and politicians can say whatever they want, but the only truth is that during the time that has lasted the overconsumption and hipercrédito, during the era in which "everything-went-well ', very few sexes were agreed that competitiveness is like the rocks that puts the whiskey: unless it is renewed, just undoing, is diluted until it disappears, and when that happens, it's very, very difficult to recover, especially as' all-va mal-and-worse '.

(OK, very well: the proposal to the National Energy Commission can be described as one likes, but, apart from the benefits that power companies have declared their accounts, there is a virtual sum of 14,000 million euros and that is indicating that the cost of producing electricity is higher than the price at which this energy can be recovered. It describes the proposal, but does not resolve the problem ... because it is not possible that the solution should be applied. I do not understand because you do not to have happened to anyone who is a genius (or is it to have happened to anyone?): convert that amount in debt: coffee for all).

(The heads are visible to announce a new era in the way of doing things in financial praised the Spanish policy deployed in the field. Praise the regulation of financial institutions in Spain, however praised those say nothing about the criteria by the financial institutions to choose Spanish business: is it to praise grant a loan to someone who has to spend their refund to pay 55% of their monthly income?.

They also proclaimed the head visible way to get out !!!!! the situation where the world's economies are: no matter the deficit, we must reduce government revenue by lowering taxes and increasing public spending by intervening where necessary, and what they argue: what Keynes said!.

As in philosophy: 'deny the greatest'. Keynes did not say it well, and, most importantly, it said in a temporal and in a scenario in which structural nothing seemed to stand, NADA. Keynes wanted to resolve a crisis subconsumo in an atmosphere of overproduction from ridiculous levels of debt once made the 'clean'. Today, debt levels are aberrant; the subconsumo is real: it is nowhere more consumption, and the excess supply is not absorbed by the above and because productivity can grow infinitely more than in the 30. Moreover, when Keynes said what he said 'did not' problems with commodities, today there is. And more besides: then the economy 'going-to-more' and now it does not, because neither requires nor is it desirable because now there are a lot of problems with resources.

I think it should be left to say that the solution lies in implementing Keynesian policies. It would be desirable: not to confuse the staff).

Signed: SNB optimistic again.

-34

# 10, rcalber

November 13, 2008, at 9:31.

I'm tired of that talk of wage moderation as a panacea against spiraling inflation.
When are going to start talking about cuts in the profit margin?

+76

# 11, Triset

November 13, 2008, at 9:32.

4.33

-7

# 12, Julius Romo

November 13, 2008, at 9:32.

My baton of the day ....

4355

Of the month ...

4281

-7

# 13, Anonymous

November 13, 2008, at 9:34.

THE WEIGHT OF THE EVIDENCE

The government is close to accepting that this has stopped. That the machinery has been broken and are in times of hardship. Finally accept it because the evidence weighs. Forecasts of Research Department indicate that Spain's BBVA will grow at a negative 1% next year. Bearing in mind that they are wrong than those who speak and analysis are always "benevolent" with the stablishment, we can echarnos to tremble because, as has been said more than once, the 2009 is awful, with a 1.8% negative growth, but that 2010 will be even worse if the GDP growth level in between. The Spaniards must prepare ourselves for a gross domestic product growth in flat but deflation or recession. In a couple of years we will know what that means for "technical stop of the economy." In an upcoming post I'll explain.

The executive who leads not Solbes nor anyone else, eventually spitting what you know for some time and refuses to make public, however a package of strategic communication will begin to give substance to that announcement, and from the summit in Washington, and Zapatero his henchmen begin to move the apex of the problem in a global context. The worst economic team in the recent history of this country intended that we created this fable. I believe it will be by default, others for obligation and a majority of subservience. I remain surprised by the attitude of trade unions and social actors, with the idleness social and intellectual paralysis which overflies spaces of opinion in this country. While the social anesthesia posed by unemployment benefits do remain in effect throughout this kind of 'dream of the idiots ", but when your going falling cadence here is going to the arm of God.

We remain orphans of government and opposition, the State continue our patrons away from the reality that scares at a distance and, on referral, citizens attending the flabbergasted fall of this huge building called "welfare state". It is urgent to make decisions, clearly explain that here we have specific problems and that touches everyone rowing together. The problem that I see a moral level is that there are few who do not want to paddle or that, after causing this disaster with his greed and his indigence intellectual, thought to benefit others oars of the oars of those who neither drank nor will it be it ate.

With regard to the alleged experts of the BBVA who have made these predictions to which we refer, should be fired percussion caps. They say that this year 2008 the GDP will increase by 1.3%. The mathematics are used to something, especially to avoid inconsistency. We must remember that these expert from BBVA for now we 1Q 08: 0.3%; 2Q: 0.1%, and that until the Government itself has acknowledged that in 3Q and 4Q growth will be 0 or negative. Obviously calculating GDP growth interannual and is not calculated well, but in the relation of the underlying, applied to the econometrics used by the BBVA in their calculations much we can get closer to these data. The 1.3% does not come out of no way and no one should be no expert to realize the growth in 2008 around -0.2%. On the numbers of unemployed who perpetrate better not say anything because the report states that at the end of the year to reach 11% unemployment rate in October when we had already arrived at that figure. Too futile exercise expert.

+71

# 14, Solbes ruin zp unions

November 13, 2008, at 9:38.

how to buy new shares of santander http://www.expansion.com/2008/11/11/inversion/1226423986.html

-8

# 15, Sandokan

November 13, 2008, at 9:40.

I arrived in the mail yesterday and I wanted to share it with you ....

The dealer
One afternoon a famous banker was in his limousine when he saw two men on the roadside eating grass.
Concerned, he ordered his driver to stop and went down to investigate.
He asked one of them:
- Why are you eating grass?
- We do not have money for food. - Said the poor man - So we have to eat grass.
- Well, then come to my house that I feed - said the banker.
- Thanks, but I have a wife and two children with me. They are there, beneath one tree.
-Let them come too, - said the banker again.
Turning to another poor man told him:
- You. may also come.
The man, with a pitiful voice said:
- But, sir., I too have a wife and six children with me!
- Well, they come too. - Replied the banker.

They entered all in the huge and luxurious car. Once on the road, one of the men looked at the banker and told him:
- Mr., You are very good. Thank you very much for us all!
The banker replied: - Man, do not be embarrassed, I am very happy to do it.
We're going to love my house .... The grass is as twenty centimeters high !!!!!

Moral:
When you create a banker who is helping you, think about it twice.

My porrita ... 4.357

+145

# 16, euripesadilla

November 13, 2008, at 9:41.

Baton 4.357

-8

# 17, Shaman

November 13, 2008, at 9:42.

Someone mentioned that things are arranged in a war.

Here we have it: the Congo, it will seem a distant country and such but already some are the interviews as a "great African war."

Which makes me think of the twisted thinking of: "Who is killing them, and we will look after them and arms while, so we started to make pasta. But that will kill them. "

At the time.

A greeting
Shaman

+25

# 18, Curro MAD

November 13, 2008, at 9:44.

truncheon
Daily 4.365
Monthly 4.555

-10

# 19, Manuel

November 13, 2008, at 9:45.

The truth that I laugh CPI calculated. I only know that last year with 50 euros filled the cart of St. John's wort for 2 weeks this year to reach the 100 floor practically buying the same thing (of course always based offerings and white markings). The menu of the day has gone from 8 to 9, nor the transportation story, the mortgage about 50 euros a month, costs about 25 euros community, etc. .. But my salary went up the CPI, less than 50 euros.
And then I try to convince employers and unions, I have not lost neither worth purchasing, or quality of life with this paltry rise.

+90

# 20, Triset

November 13, 2008, at 9:46.

4.33, 4.33,

United bankers, Pordié down, I want to win the baton.

-6

# 21, Mano H20

November 13, 2008, at 9:48.

Droblo.

The much-led and carried price of a barrel of oil at what group of CPI is charged? When 7, which alone accounts for 14.91 of the weighting?

I say this because both the increases as decreases in the CPI, but the excuse always used is the price of a barrel.

That is, I understand that changes in the CPI can not be justified only by oil if only affects the weighting of 14.91.

Thank you

+14

# 22, 1

November 13, 2008, at 9:48.

for walking laps giving the extension of Santander (and no longer have to be shareholders dchos)

which is no longer a shareholder, you have to be clear that the extension will not be any advantage, it's more likely just slap c / p.
I mean, if you do not have dchos and want to go to the extension, you'll need to buy 4 dchos in the market and those traded dchos arbitrating and the price of the subscription to real time, that is, if the action is at the 6.61 eur dchos are contributing to 0.53 eur, then 4 x 0.53 = 2.12 over what it costs the amplición (4.5 eur) 6.62 eur gives us the same thing that is what is contributing to the normal action.

With the difference that you buy in the new extension will not begin to list (you can not sell) until after a time, usually a month.

Anyone who has rights and therefore if you buy only what you get (1nueva for every 4 old) because you leave the action to 4.5 eur and will depend on how the action is contributing to the date on which it can begin to negotiate new.

I hope I have clarified doubts ...

# 23, Droblo

November 13, 2008, at 9:48.

17 as the Congo is strange because it does not many months ago there was talk of the huge investments in that country had made China ... weird, huh?

Another news item to go to mourn, it is the only company that wins with the crisis is the MAFIA:
http://news.bbc.co.uk/hi/spanish/misc/newsid_7725000/7725825.stm

# 24, Juana la loca

November 13, 2008, at 9:52.

Why a barrel of oil goes up and immediately fires the price of petrol and a number?
Why the low barrel of oil and does not drop the price of petrol and a number?
Because the downward revision in the Euribor and my mortgage (in December) I have to put the October average of the Euribor or the whole year?
Because companies that are going well and produce profits are aiming to pull a bunch ERE'sy of people because if.
Because our companies are carried abroad and allowing the government to do stay here with your ass in the air?
Because no other companies come here?
Because it is imported rather than exported?
Because it because?
Here everything is allowed, this is a house dating ...

+23

# 25 , Droblo

13 de Noviembre de 2008, a las 9:52.

21 de todas formas anoche Observador
hizo en un post un muy buen análisis de por qué cuando baja el crudo no baja la gasolina en la misma medida, completando otros comentarios que ya se hicieron sobre este tema ayer.

Por cierto, el miedo a un posible default de Rusia está incrementando él factor riesgo y eso está frenando la bajada del depósito a un año pero con todo parece evidente el eurbior hoy saldrá por debajo del 4.40

# 26 , Pobrecito Hablador

13 de Noviembre de 2008, a las 9:54.

A los que ponen un texto escrito por otra persona: Simplemente con un enlace es suficiente, y que cada usuario entre a leer si le interesa o no. A mí personalmente me gusta leer entre otros a Niño Becerra o Marc Vidal (que por cierto el texto de # 13 , Anónimo es de Marc, no lo ha escrito el anónimo).

Pero tener que estar dándole al scroll para saltarme el ladrillo, porque es un ladrillo, porque no está en el formato que el autor ha querido dar a su texto sino simplemente un texto plano, no beneficia ni al autor original, ni al foro, ni al usuario que lo copia y lo pega. Yo sugeriría que el que quiera hacer esto que ponga un enlace y comente su impresión por ese texto, yo lo valoraría más que un simple copypaste . Espero que no se moleste nadie, es sólo una sugerencia para mejorar este foro.

+67

# 27 , curioso

13 de Noviembre de 2008, a las 9:55.

porra: 4,352

-6

# 28 , Vinopeleon

13 de Noviembre de 2008, a las 9:57.

#23,Droblo
¿Acaso alguien dudaba de que la Mafia no fuera a ganar con esto?
“la riqueza no se crea ni se destruye, solo cambia de manos”
(soy nuevo en este foro).
Saluz (con z de Madriz)

-1

# 29 , IPCReal

13 de Noviembre de 2008, a las 9:59.

Hola a todos,

En relación a la entrada de hoy, creo que es necesario meter el link de IPC Real…
http://www.ipcreal.com/

# 30 , MadRAM

13 de Noviembre de 2008, a las 9:59.

# 21 , Maño H20

Supongo que la excusa, más que el barril, es el precio de los carburantes, que afecta al coste de distribución de todas las demás cosas y por tanto a su precio final. Obviamente, de eso nos hemos dado cuenta todos, cuando sube el barril, suben los carburantes, por eso dicen que es debido al precio del barril.

Saludos.

# 31 , Juana la loca

13 de Noviembre de 2008, a las 10:00.

Veo huelgas y mucho dolor, porque la crisis no ha venido, se oye eco eco eco…la crisis será cuando a todos los que estamos en paro ya y los que vendrán, se nos acaben las prestaciones y entonces no tengamos ni trabajo ni para comer tampoco. Entonces viviremos la crisis con todas sus letras, ahora, ahora es jauja no pasa nada, dos años de vacaciones pagaditas ja ja ja.

# 32 , Demencial

13 de Noviembre de 2008, a las 10:03.

# 26 , Pobrecito Hablador

Jo que tremendo sacrificio darle al scroll para saltarse un comentario!!!

Así nos va, si darle al scroll es un tremendo sacrificio, esforzarnos por sacar los problemas adelante es misión imposible..

-15

# 33 , JAC

13 de Noviembre de 2008, a las 10:03.

# 21 , Maño H20

Supongo, MañoH20, que afecta directamente al punto 7; indirectamente creo que afecta a todos por el tema de transporte de materias primas y producto acabado.

# 34 , Breogan

13 de Noviembre de 2008, a las 10:04.

Hace tiempo que no entiendo nada. La bolsa se comporta de manera muy irregular y pienso que actualmente sólo es rentable para manos expertas. Por otra parte, estamos entrando en invierno con una mayor demanda de energía y la OPEP redujo sensiblemente la producción diaria, y sin embargo el barril se encamina hacia los 50$.

Por cierto, ¿cuánto les subirán el sueldo a los zimbaweses?. :O

Euribor de hoy 4,378

# 35 , Droblo

13 de Noviembre de 2008, a las 10:10.

Más publicidad para esta web:
http://www.serenitymarkets.com/ficha_comentario.asp?sec=9&id=28246

# 36 , Inca

13 de Noviembre de 2008, a las 10:10.

Una pregunta , porque si el barril de petroleo esta a menos de 65 $ que era aproximadamente 9,95 el litro de gasoil ahora que esta a 55 $ en la gasolineras que rodean mi barrio sigue marcando el litro 9,93 €/L. ???

PORQUE SI EL BARRIL BAJA LOS PRECIOS EN LAS GASOLINERAS NO LO HACEN DEL MISMO MODO???

# 37 , Hipotecator

13 de Noviembre de 2008, a las 10:12.

IPC e Hipotecas: Del lado del diablo…

Es curiosa la relación entre el IPC y las letras de las hipotecas… Cuanto mas suba el IPC… ¡Menos* pagaremos de hipoteca! (ese asterisco es muy importante…)

Con Menos* me refiero a la relación Salario/Letra abstrayendonos del euribor.

El IPC anual condiciona las subidas de sueldos, de los alquileres, etc, pero no la letra de nuestra hipoteca, que normalmente es un valor cerrado entre un máximo y un mínimo (cuando os leen la hipoteca os cuentan entre otras cosas que el tipo es la suma del euribor mas el diferencial con unos limites, por abajo del X % (en mi caso 1%) y por arriba del Y % (en mi caso 15%). Eso limita mi hipoteca a un margen entre 405.27 y 1593.2 (es un arco amplio, pero un arco en definitiva)).

Vamos, que a euribor igual, el impacto de la hipoteca en los ingresos mengua anualmente, en funcion de la subida de sueldo (que a su vez esta influida por el IPC). Eso no pasa normalmente con un alquiler, claro, ya que sus contratos si suelen reflejar el aumento anual en función del IPC…
Y si, el dinero vale menos despues del IPC, pero dentro de lo malo…tendremos mas dinero de ese que vale menos!

Asi que suba el IPC, que suba! (ya ser posible, que baje el euribor…)

# 38 , Eduardo

13 de Noviembre de 2008, a las 10:16.

Un amiguete estuvo este verano en Zimbawe y por la zona, y de recuerdo me trajo un billete, de curso legal en Zimbawe y autentico de (atiende!): 500.000.000.000 de dolares de Zimbawe

Quinientos mil millones de dolares!!!! (al cambio creo que eran unos 5 0 10 centimos de euro…)

+19

# 39 , anonimo

13 de Noviembre de 2008, a las 10:16.

Ahora mismo:

13/11/08 10:02 1 m. 3 m. 12 m.
EEUU 1.50 2.60 3.62
EURO 3.80 4.18 4.40

# 40 , murray

13 de Noviembre de 2008, a las 10:17.

Inca, a ti te timan mas que al resto, 9,93 l me parece que te estan atracando, ¿no será 0,93 l?
Un saludo.
pd: lo que hace el cabreo, ya no nos damos ni cuenta de los nuemeros que ponemos.

+11

# 41 , Raquel

13 de Noviembre de 2008, a las 10:19.

Por si sirve de referencia, el tipo fijo a tres años que ofrece hoy ING ha descendido ya hasta el 4.271% …

# 42 , Inca

13 de Noviembre de 2008, a las 10:20.

Sii perdon ¡¡ me di cuenta cuando ya estaba publicado ¡¡

quise decir eso 0,93 ¡¡

Bueno diganme solo cuanto marcan las gasolineras de su barrio porque ya no se si las que estan en el mio me timan o que pasa 0,93 el litro me parece aun alto para un barril a 55$

# 43 , Droblo

13 de Noviembre de 2008, a las 10:22.

Otro factor negativo de la inflación:

Debido a la inflación, una familia que hace unos años pagaba una tasa baja de impuesto, hoy, con unos ingresos mayores que no significan que su poder de compra haya mejorado, tiene que pagar un porcentaje en impuestos más alto. Así, la inflación permite a los gobiernos aumentar sigilosamente los impuestos.

+24

# 44 , Anónimo

13 de Noviembre de 2008, a las 10:22.

Madrid: 1.017 el litro de gasoil

# 45 , Anónimo

13 de Noviembre de 2008, a las 10:23.

# 37 , Hipotecator
Pues no abstaraigas demasiado al Euribor de la inflación porque una de las excusas del BCE para subir tipos es precisamente el aumento de la inflación y , al menos antes, el Euribor estaba relacionado directamente con el precio oficial del dinero.

# 46 , Marta

13 de Noviembre de 2008, a las 10:24.

Lerida: 0,959 €/l gasoil

# 47 , murray

13 de Noviembre de 2008, a las 10:25.

En mi barrio: 0,95 l sin plomo 95, diesel 1,20l

-2

# 48 , Pablo

13 de Noviembre de 2008, a las 10:25.

Donde yo reposto está la 95 a 0.987 y el gasoil a 1.022. Es en Alcalá de Henares. Lleva a ese precio desde el lunes pasado. Hoy no voy a tener mas remedio que llenar el deposito, llevo unos dias esperando a ver si baja algo pero ya no me queda ni gota. Me parece bien que existan gastos fijos que se han de mantener aunque baje el barril, pero los últimos 10 dolares por barril no los hemos notado nosotros, todo para ellos, ¡Ladrones!

# 49 , murray

13 de Noviembre de 2008, a las 10:26.

Ves inca a mi tambien me pasa diesel 1,026l

# 50 , pelli

13 de Noviembre de 2008, a las 10:27.

En Campanillas (Málaga) el gasoil a 1.003 y la gasolina a 0.937

Páginas: [1] 2 3 4 5 6 7 8 9 »

Deja tu comentario...

Recuerda: Nunca escribas en caliente, piensa, respira... y No alimentes a los "Trolls"

Puedes usar estas etiquetas XHTML: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong> .