The Compensation

Fees are higher and revenues that us demand for its concession, therefore higher. To achieve the fixed mortgage for example, the hipotecantes net monthly salary should be around the 3,770 euros! Another financial disadvantage that has fixed interest rate mortgage loan comes when changing mortgage. Let us imagine that the euribor takes 4 years below 2% and decided to stop paying a 5% to be subrogated to a variable mortgage. If not we have well informed commissions which we signed in time to go to the notary, can bring us a nasty surprise: If the mortgage was signed before December 9, 2007 maximum subrogation rake is 2.5%. Keep up on the field with thought-provoking pieces from Donald Gordon Carty. If the fixed rate mortgage to buy our House is later than on 9/12/2007, the Commission by subrogation is 0%, although the law allows that another Commission, the compensation for interest rate risk; signed This fee is paid if the subrogation the Bank loses money (i.e., normally always be paid). More typically, a percentage fixed in the contract, applicable on the outstanding capital is agreed at the time of cancellation or subrogation. This percentage tends to be around 2.5 per cent.

Same dog with a different collar. Bill Phelan describes an additional similar source. If the reader reviews with attention what was written, you will see that in most cases has signed when you have signed anyone will deliver you, at a minimum, pay a Commission of 2.5%. In our example, if subrogation arises at age 4, the outstanding debt will be 174.204 euros. And the Commission that we will have to pay the Bank will not lower 4.355 euros! Fixed rate mortgages are the forgotten of our financial system. They represent a risk for banks, since if rates climb above its forecast it would lose money, by what their financial conditions tend to be dissuasive. If to this we add that has not reduced the cost of change of Bank, it is normal that more than 90% of the mortgages that are contracted they are at variable rates.



Contrary to the understanding of many, most of these women would like to pursue a career, even after marriage and would like to maintain a certain intellectual challenge in his life, instead of being totally dependent on your partner. A mistake is to believe that the attraction of these ladies, a couple of older is only financial, but it is fair to say that it may be a consideration. Apparently, my observations that many of these ladies are very mature, advanced and even smart to mix with the men of their age. I’m going to share with you some of the secrets and the list of some of the qualities expected of an older couple, some of the attractions of its prospects. These women need and deserve respect, are intelligent, conscious and loving. Respect them for what they are.

If you’re someone who knows how to romance and treated to a beautiful woman? A person who can help them emotionally, spiritually and materially and someone who will listen to their opinions valued them and value them as a human being? Many of these women are very beautiful, you know that! What they want and need is that their inner qualities be appreciated, which is valued as a human being.So clearly’s wishes and aspirations of any man who seeks a couple youngest can be achieved, but what are the implications involved? If the age difference is 20 years or more you will need to take care, stay in shape and be healthy (something that many men in the West are doing). Be flexible and open. A clear difference with a marriage of mixed ages is that each one will be at different stages of life, but this does not have to be a problem. Each pair must find balance, the lifestyle that each can hold and carried inside. This includes the commitment and flexibility, can adapt to that? Many men today feel much younger than their years and not been a noticeable change in personal health and well-being within perhaps a generation.



SMEs in Spain and some possible measures to the CRISIS I want go on vacation .has come the summer of 2008, and business and teaching activity has dropped (as always in August) at minimum, so I think it’s time, and not so, stopped to remember the latest queries of companies and students, what can we do? as you see it? in Spain are facing one of the most serious crises of recent decades : inflation without control, the trend to the rise in interest rates, the acute crisis in the construction sector and its inevitable effect dominated, high increases of oil, along with the confirmation of increase in unemployment, the drastic fall in registrations of vehicles and apparently the short measures since the Government they seem to arise, added to what is finally an excessive hardness in accessibility for SMEs to be financed by banks. What can we do in SMEs?…Because I think that, following my mental scheme, each crisis offers an opportunity, every change in the winds, there is a possibility of refocusing (move candles?).. and those who know me, I still believe that not necessarily a crisis, a problem, brings negative consequences, but can train structures, force reenfoques, and get harden, companies and persons in adverse times and is already known, that after the storm comes the calm. And here I am on the coast of Portugal, enjoying a few days, and between the beach, visit of population and some gastronomic tour, attempt to summarize some of my thoughts as a reply to some of the questions that did me before my summer break. That measures shall take an SME to the current crisis of reduced volumes of business, unpaid, and constriction of credit in the financial institutions?. First and foremost and without fear, necessary anticipation of measures do the Administration and the procedures, stronger and current than ever, to take the corresponding decisions and not do so in way late.


Dali Museum

Dali: Teatro Museo Salvador Dali in his will bequeathed an enormous amount of works of art, which were distributed among the Dali Theatre and Museum Reina Sofia in Madrid. The artist he personally took up the project of the Museum, so much so that in the interior of the complex is its last room and his tomb. The building that houses was a theatre, built in 1849. In 1939, during the Spanish Civil War, it was destroyed by fire, leaving standing only the structure of what had been a beautiful neoclassical building. The official opening comes on October 28, 1974, when the Museum had not yet been finished. This theatre had a meaning particular to Dali, he was born in Figueres and had exhibited his first two works at the same Theatre on the occasion of an exhibition of painting. Every room, every space of the Museum is a work of art, with weird combinations of paintings, sculptures, furniture, decorations and all manner of curiosities.

In many of the rooms walls and ceilings they are completely covered with huge murals: some are original compositions while others are extensions of their famous paintings. The city of Figueres Figueres (in catalan Figueres) is the capital of the comarca of the Alt Emporda and 44.255 inhabitants. Located in the northeast corner of Catalonia, is the most important city of those close to the border with France and forced stop of travelers and tourists that come in and out of Spain. It is 136 km from Barcelona. The current name derives from Ficaris, from the Visigothic era. In 1267 King Jaime I de Aragon granted charters and years later Hugo IV, count of Ampurias, burned. Its geographical and strategic position, become an important communications centre equipped with great accessibility. The traveler can directly reach by road or rail. Road access via the A-7 motorway (exit No.


Madrid City

Finally the summer and it is high time for planning vacations. Do you have desire to know Spain? You’ve probably heard of its good climate, delicious cuisine and its incredible culture. But, what will be the city chosen? There is who has decantaria Barcelona or Madrid, the two great capitals, but the Spanish territory covers many more possibilities and is full of surprises. It is the case of Seville, a beautiful city full of personality. Seville is the capital of Andalusia and a city with a great advantage: is very cheap. Its landscapes and its monuments are wonderful, but better in Seville are, no doubt, its lovely people.

Spain says that the Sevillians are the so-called Andalusian salt shaker: a cheerful, friendly and with great character spark. All the tourists fall rendered to his good humor! The Sevillians are very Campeche and welcoming people. They have some globally famous Customs: tapas, flamenco, bulls who can resist taking some tapas in one of the terraces to the? shores of the Guadalquivir River? Incredible! Another of the strong points of Sevilla is his good time. In the hot summer nights the Sevillians take to the streets to take fresh stool in hand. That it does not hit you find rows of grandpas chatting on their sidewalks under the light of the moon. The cheerful Andalusian character you love and you’ll also be captivated with the city.

It has a monument as incredible as the Cathedral, the Giralda and the Torre del Oro. And what about the food? Water will be you mouth with dishes such as gazpacho, salmorejo or caps. And finally, fascinate you their festivals and customs such as the Holy week and the April fair: both are two of the most followed of all Spain traditions. As you can see, Seville is the perfect city for a holiday. Now you just need to find the perfect accommodation: rent apartments in Seville to get a hosting cheap and quality. You won’t regret it!


Mexican Publishing House

But barely a month later the Baldor family was left without protection, Cienfuegos, on a flight from Camaguey to Havana, then disappeared in the midst of a raging sea that swallowed it forever. We go on vacation to Mexico, my father told us. We gathered everyone, and as if it were a kind of geometry with millimetric precision explained us how we had to prepare ourselves. It was on July 19, 1960 and he was more somber than usual. My father was a man who wouldn’t betray his emotions, very analytical, of a strict, tough facade, but that day something mysterious in his eyes us He said that things were not well and that the trip was not recreation, says the son of Baldor. A Mexicana Airlines flight left them in the Aztec capital. It is not something Sean George would like to discuss. Aurelio Baldor breathing was agitated, uneasy, as if the Mexican air warned him that he would never return to his island and that he would die away, in exile. The teacher, in addition to the pain of exile, was carrying another fear.

It was infallible in mathematics and never wrong accounts, so if it was well, money carrying would reach him just for some months. It was accompanied by a monastic poverty that already his books could not resolve, twelve years ago it had sold the rights of his algebra and its arithmetic to cultural publications, a Mexican Publishing House, and had invested the money in your school and your country. The fight began. Baldor, including nanny, stationed with patience for 14 days in Mexico and then moved to New Orleans, in the United States, where they met with the living ghost of the racial segregation. Aurelio, his wife and their children were white and had no problems, but Magdalena nanny, a Cuban mulatto pride, had to separate them if they climbed on a bus or arrived at a public place.


Mada Carreno Newspaper

It begins to be sung in front, profile, on all four sides. As befits the city of the democratic world, fled suddenly with the most erect flags of heroism that has taken Europe. Get all the facts and insights with Pinterest, another great source of information. Eduardo Ontanon. Spain time (October, 1938).

THE voice of the inspired poet BURGALeS has the journalist, Narrator, essayist and art critic Mada Carreno that, when he began working on the drafting of working class world met her future husband Eduardo de Ontanon, burgales journalist, that soon it would be destined to Valencia to lead the newspaper truth, which she was reporter. In 1938 they married, in the autumn of that year he collaborates in Spain time. From Valencia they moved by sea to Barcelona. In the first months of 1939 embarked on the path of exile, first in France, then in England and later in Mexico. A labour lord had received on his farm in Eaton Hasting, a group of Spaniards, among them Eduardo Ontanon, Pedro Garfias. Claimed by her husband he went to England, where returned both back to the South of France, for the trip to Mexico in the mythical Sinaia French ship that sailed from Sete on May 25, 1939 and he arrived in Veracruz on June 13, transporting more than 1,600 Republican Spaniards. On that journey was published the first newspaper in exile: Sinaia, which was distributed free of charge in the expedition. The inspired poet, novelist, essayist, journalist, editor and bookseller Eduardo Ontanon Lebantini was born in Burgos on February 13, 1904 and died in Madrid on September 20, 1949.

The son of a journalist, at age thirteen, already published poems in the newspaper that his father directed. In 1920 it starts his collaborations in the Spanish journal of Havana.


European Commissioner

What doesn’t have these added values. During the celebration of the Assembly of the IMF and the World Bank, in Washington, on April 2. 000, European Commissioner for Development, Paul Nielson, stated that trade liberalization needs to a globalization with a human face: there is no alternative to an open and free global economy. It is not a panacea, but neither an end in itself. In the same sense has influenced the President of the World Bank, James Wolfensohn, on his personal effort by humanizing the institution which directs.

The question we must ask ourselves is how gets such human dimension? Economic growth is accompanied by an increase in consumption next to a growing extent of poverty in geographical areas and gradual wear of the environment. The new ecological policies beautify cities, decorate the countryside landscapes. It gives the feeling of a new awareness that boils down to an image. Resources are becoming increasingly scarce. On the other hand extends the economic difficulty in populations within disadvantaged areas. The economic tool to address globalization as a positive effect for the whole of humanity is the basic income. Without either being a panacea or an end in itself, but a step more, necessary, for the. economic progress.

The classical theory is based on the offer. The modern economy on demand, but to introduce criteria of classical economics, contemporary neoliberalism has become a series of tactics that make a game of supply and demand to speculate and arbitrating negotiations based on the banking interests of capital and the stock quotes. The market is subject to strategies of producing money. The market is in offside to solve unemployment, unless that policy is part of the business strategy to lower production costs, which is what happens with the policy of Western capitalism at the end of the 1990s. A situation that is not seen to not be parsed from the new perspective of the alternative theory.


European Union

Deregulated finance destroy society. They do so quietly and daily, when shareholders squeeze companies, i.e., to employees, to extract from them more and more profitability, both in the North and in the South. Makes trumpeting and breaking molds, with acute crises in which brutally reveal the implausible excesses of speculative greed and its impact on activity and employment. Unemployment, precariousness, accentuation of inequalities: wage-earners and poorest people must be charged with the cost of speculation, or the prejudice of the consequent crack. From two decades ago, the curve of global finance is nothing more than a long series of crises: 1987, stock crack; 1990, real estate crisis in the United States, Europe and Japan; 1994, North American mandatory crack; 1997-1998 international financial crises; 2000-2002, crack Internet; 2007-2008, now, real estate crisis and, perhaps, global financial crisis. For what this repetition? Because all obstacles to the movement of capital and financial innovation have been abolished.

As for the central banks, which have ceased to be hinchara the bubble, have no alternative but that the of pounce at helping banks and hedge funds that are left without liquidity. We will not stay idly waiting for the next financial crisis, and will now not support ever more extravagant inequalities that market finances have made to prosper, nor the dangers that they make us run all us. The instability is part, inherently, of financial deregulation. Why, what they used the derisory appeals to transparency or the moralization? How could change one iota what happens and, therefore, prevent the same causes, again, the same effects? Put end to this supposed to intervene in the very heart of the game. In other words, radically transforming the structures. But, in the bosom of the European Union, any perspective transformation encountered incredible protection treaties decided to grant to financial capital. That is why we, European citizens, are calling for the abrogation of article 56 of the Treaty of Lisbon which, by prohibiting any restriction on their movements, financial capital provides the conditions for their overwhelming domination of society.