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State Of The Euribor

The Euribor to a year has closed the month of July in 1.373%, closely together of the value that marked in the same month of 2009, being placed in 1.412%. The difference will lower the price of a mortgage that is reviewed in August, for 150,000 and a term of amortization of 25 years, approximately 3 monthly Euros, near 30 Euros to the year. According to the experts, the indicator will continue raising of one more an accentuated way from now on until quoting over 1.44% the next month of October. The analyst of Rent 4, Nuria Alvarez I emphasize that the ascent of the Euribor can be negative short term for the margin of interests of the financial organizations, because the liabilities cost, like the deposits, reprecia before the one of the assets. The recent publication of the results of stress of the European bank has abierto a little the mayorsitas markets for the Spanish Treasure and the financial organizations. Even so, the problems of access to the liquidity for the great majority of organizations persist, according to I explain the financial director yesterday of Santander, Jose Antonio Alvarez, in the presentation of results of the bank. Original author and source of the article

Mercedes Knight Politicians

When I see the Declaration of assets of many politicians come I wanted to give them a handout, so poor as they appear to be. And it is that, on the basis of the assets declared by the mayors of the community, some of them should be welcomed to charity. Of the few who have realized their money, as you can be read in the world, only four are millionaires, in the strict sense: Carlos Fabra, Vicente Aleixandre and the mayors of Carlet, Maria Angeles Crespo, and carcaixent, Maria Dolores bottle. Of others, what count. The Mayor of Elche, Alejandro Soler, says that it should more than what has. Poor. Others that such are his colleagues in Fontanars, maximum Caturla, Alfafar, Emilio Munoz, and of Alaquas, Elvira Garcia.

They also give me penalty of Castellon, Alberto Fabra, who after discounting debt only are 20741 euros, and the councilmen Mercedes Knight, who has nothing more 6.914 EUR boxed, and Maria Jose Pascual, which remains at 1,000. Seeing these numbers, there is no fear that only is end up devoting to public life officials and people poor, as fears Duran i Lleida, because we already have them installed on it. As one is cured of horror, not he wondered in what our representatives, have squandered the money since he knows that the exhibited figures respond mostly to logical accounting artifice. It is that in this country being rich is worse since having Seborrhea, so people apply to their property anachronistic cadastral assessments, with mortgages of double and even triple your real estate value. Acquired assets, economic societies and other financial paraphernalia are then used to further lower its amount. Still, that Declaration of goods with or without it, taxpayers do not clarify of how things are. The important thing, really, is not the amount of the heritage of our municipal and other politicians, but if this has been obtained lawfully or not.

It is knowing the difference between what possessed before and After having gone through a public office and, consequently, know how it occurred. The other claim to be more poor rats is a completely irrelevant point. Is it that the poor than the rich ones are perhaps less corrupt? The Anglo-Saxons believe precisely the opposite: what is going to steal a rich in public office are often say if you can get more money in his private practice? Why, in general, American politicians are people with potential, I said before, and that do not require his Office to live. Here, on the other hand, if we take hand of the professional curriculum of many politicians promise do it another day is to get to tremble. Precisely for this reason, because aside from the policy they wouldn’t know what to do, it is so cling to his post although backward of what popular belief, the salaries of our politicians are not to throw rockets. Various cases are those of Felipe Gonzalez and Jose Maria Aznar, who, even gaining a kidney private sector activity, they do not give despite this to their public remuneration or shots. My last reason for concern and do not want to point out anyone lies in that if on something so trivial as heritage makeup both figures them, what no us hidden politicians in budgetary and financial matters of greater substance? I do not even think about it.

Superintendency

Each year are numerous families that have as a goal the acquisition of adequate housing and who do not have sufficient economic resources. The housing policy is a means that provides financial resources for the purchase of social housing. The idea is to achieve that the Bank would adopt us operation in a more expeditious manner. To do this we must be clear steps to successfully achieve our goal. For the adequate presentation of the dossier of mortgage credit with the resources of the housing policy, it is necessary that the applicant complies with the following steps: first must determine, prior to the filing of the application, the maximum amount that the Bank could provide for the purchase of the main house. To do this, housing policy monthly family of Bs.

7000, sets a ceiling of income to what will be paid an amount of Bs. 271.800 to 30 years with an interest rate of 8.55%. Second, locate housing that suits the amount that the Bank will pay or contribute the difference as part of payment. Thirdly, you must submit the request together with the personal, economic, data of warranty and seller data. Finally, perform the appraisal of the property to determine the market price of the good. With all requirements to the day, the Bank will proceed to review the record, and if you all agree, will ask the authorization to the governing body of the housing policy, the BANAVIH, so appropriate to authorize the mortgage. Once received the go-ahead from the Bank, fix the date for the formal recording of the mortgage loan, day on which will have to assist buyers, sellers and the representative of the Bank for the grant of the respective documents in the public registry and delivery of keys.

Taking these guidelines into account, housing policy user will get the approval of the mortgage loan, provided that the information supplied is complete and up-to-date, so to be received the request by the operator financial, the dossier is processed without any delay. The requirements for the presentation are the following: identity card of applicants three RIF last payroll statement of income affidavit do not have own housing leasing loan application references personal and Bank Balance staff constancy of work or income certificate signed by public deed of purchase counter sales certificate lien certificate trading on the faov identity card and the solvency of front right sellers RIF and the water service appraisal of the property carried out by expert and registered with the Superintendency of banks and other institutions of credit applicants is three people maximum. These documents are essential for the Bank to process the credit application therefore place emphasis on the importance of the documents as a main element in that approved the credit quickly. Common is that many records are affected by the lack of documentation or because they have been presented out of time, resulting in that are refused such requests for provision of housing policy.

Treasury Department

Once approved says Bush can begin to put our economy on the road to recovery, although he has been cautious said that although these efforts will be effective, also it will take time their implementation.The U.S. President said that the Government will be more possible to hurry, but undertake the plan at a cautious pace to reassure citizens that the dollars are spent wisely.After the adoption of the package of financial rescue by Congress, the Treasury Department will need now that define the details of how you will use funds to clean up the accounts of the banks. It is important to note, that in a recent appearance before the legislature to promote the program, the head of that Department, Henry Paulson, said it would initiate quickly operations with a purchase of securities linked to mortgages by a small amount of money.Paulson admitted that the Treasury would experience several options, as an intervention of this kind has not never Paulson admitted that Treasury would experience several options, since an intervention of this kind has not ever made.Before putting your hands in the dough, you will need to define what kind of titles will buy and the system to do so.One of the mechanisms mentioned by Treasury is an auction in reverse, in which the Government, as the sole buyer, will mark a high price for the titles and the financial institutions will compete among them by selling them, which will lower its value.In any case, the law passed by Congress gives great flexibility to the treasure, which you can buy debt or shares directly to an entity, if you feel it necessary to Elias add us in your comment, that the plan itself is far from infallible, but their purposes are irrefutable: delete the assets that prevent the liquidity on the balance sheets of the banks, depreciated by sub-prime. The shock wave forced nationalization of banks in Europe, as in the United States, and accentuated the fall of bags.

Constitutional Engineering

We have been witnesses throughout old history as as much modern that the differences that we insisted on stressing and maximizing to the unique thing that they have taken to us are to much more great conflicts and of greater reach since it they have been the wars, wars that often could have avoided, wars that summoned up the life of many innocents and where there were victims who not even knew because the conflict much, we complained and we are surprised of how people exist who detest the Jews and that had been able to use cruel measures stops to disappear them during holocausto, nevertheless because to surprise to us of which he happened to million kilometers decades ago when we can be located in this time and to see within our country the inequality and discrimination that undergo the natives, the Central American undocumented people who cross our border so arriving at the United States and who many not even can arrive at the North border, it is necessary to give account us of how we ourself we are allowing who our own fellow citizens are going away to risk their life to cross towards the United States so that they are mistreated there and even assassinated, then is not necessary to put to us to think that so bad they were the Nazis, if we have not realized that we are equal or worse than they, the good judge, in case own house begins. Andrade BIBLIOGRAPHY, M.C. (2004). The Mexican Political System. Electoral legitimacy and Control of the Political Power. Mexico: Training center of Political and Constitutional Engineering, A.C. Casanova, P.G. (1965).

The Democracy in Mexico. Mexico: It was. Casanova, P.G. (1965). The Democracy in Mexico. Mexico: Editions Were. Castells, M.

(2000). The era of the information. Mexico: 21st century. Durand Ponte, W.B., Farrera Araujo, J., Prud” ” Homme, J. – F., & Tuon the Pablos, E. (1994). The Construction of the Democracy in Mexico. Mexico: Century Twenty-one. Villegas, D.C. (1982). The Mexican Political System. Austin, Texas: Joaquin Mortiz.

Telephone Processes

Hesitate no longer, but benefit from the numerous advantages of a hosted VoIP telephony solution! The migration to a hosted VoIP telephony solution goes hand in hand with improved efficiency and scalability, flexibility and independence. It offers companies the possibility to map internal processes and to meet internal requirements. Efficiency and scalability through the migration from traditional telephony to Voice over IP (short VoIP) are optimized business processes. The seamless integration of telephony into existing enterprise software (E.g., ERP, CRM) reduces working processes and therefore increases the efficiency of the company. Also in the obsolescence of technology and a possible expansion of capacities, a hosted VoIP solution offers decisive advantages. Automatic updates prevent an obsolescence of the plant and the permanent ability to add – and way posting by extension ensures the adaptation of the system to the needs of each company. Flexibility a VoIP-based Telephone system has basically all the service features of a traditional ISDN or PBX. It also allows the company to represent individual processes or define custom interfaces to industry or individual software the Virtual PBX.

Merging telephony system with computer systems opens up all opportunities that are possible with normal computer systems company. These include including backups of transaction data or redundancy to increase availability. Independence resolves the rigid connection between phone number and location of the connection to the VoIP technology. A phone number is no longer bound to a physical line, but can be used with server connection information, user name and password anywhere in the world on a VoIP phone or your notebook on a so-called softphone. Similar to use an E-Mail account, can make calls anywhere the user or is accessible via its phone number anywhere where an Internet connection is available. Press contact: Patrizia Duda Tel.: 0800 10 15 360 placetel.de is a service of: finocom AG Gustav-Heinemann-UFER 58 50968 Cologne.

German Internet

The (shopping) Fox is launched: MYCITYFOX is online in Ratingen/Duisburg – MYCITYFOX.de, the first independent, local city portal in Germany since January 1, 2009, has been online since January 1, 2009 with the first city, Duisburg. MYCITYFOX.de is a Web portal for companies in the areas of retail, crafts, gastronomy and services tailored to the needs of local markets. About the diverse and variable possibilities of presentation on MYCITYFOX.de, local businesses offer a selected portfolio of products for online purchase (shop, auction) or to purchase at their retail store the people of their city. It nourishes and receives the local reference MYCITYFOX.de and thus strengthens the trust relationship between the consumers and the online trading. A rich information and topic offer complete the attractiveness of the portal. Other cities will follow the Duisburg example soon and also to launch. Aim of the operator and investor, mail to print innovative mail distribution GmbH Ratingen, is a nationwide presence.

\”MYCITYFOX product manager omer Yuksel (26) illustrates the conditions that have led him to the start of the project MYCITYFOX.de: the local retail for many years suffering from the competition of the large shopping areas on the green meadow\” and sale of Internet retailers and online auction houses. In terms of e-commerce barely rational concepts and inexpensive are the local dealer, although the development of the online market has 2-digit growth rates. For 2009, the main Association of German retailers (HDE) predicts a nearly 10-percent growth in the German Internet market. But often it lacks on its own home page, and even if it exists, it is not used for many reasons for a well functioning online shop. Thus, the HDE in this area sees significant opportunities for local trade. \”The portal MYCITYFOX.de omer Yuksel therefore sees as an ideal platform to retail in the Presentation and to assist in the sale of its product ranges.

Cultural Metropolis Barcelona

You know the Catalan capital insights into the city’s theater scene as a booming metropolis, where something is always happening and we can assume every evening. The city has so much to offer that one has the agony of choice what you want to do. In this article the Thatern Barcelona should be briefly introduced, to give a small overview. Although you often hear that the Barcelona’s theatre scene is not as internationally breathed such as those in Madrid, she is but her not in, when it comes to exceptional performances with many Visual spectacles and a wide range of pieces. She has just as much to offer the spectators and is vibrant and diverse. There are very many important theatres and the presentation round will begin with the architectural highlight in the Centre: the theatre Liceu.

It is the Opera House of the city and is located right on the Rambla. It is even considered a landmark of the city and you should be sure at least once run by the shop or look from the outside through the glass facade, a to get a small impression of the theatre. In the 2009 season, they play great pieces by Strauss, Ludwig van Betthoven or Giacomo Puccini. Tickets can be purchased online, by phone or between 13:30 and 20:00 at the box office itself. The next creation of Ganji importance is the Palau de la Musica Catalana, declared even to the world cultural heritage of UNESCO. It is a concert hall in 1908 was completed after only three years since great performances could present. The Palau this was actually intended to offer a venue for the choir of Barcelona, so the acoustics inside also solely focused, good sounding choir. Today Pokonzerte also classical performances or even rock and take place, which is why the acoustics was changed a bit.

The website of the Palau from provides an overview about current events, providing information about performances, available tickets and guided tours. A guided tour in English costs 12 euro, to the maximum of 55 persons may participate. The last tip is the Teatre Nacional de Catalunya (TNC). The impressive glass building, temepl reminiscent of a Greek, is located on the Placa de les Arts in Barcelona (Eixample district), is a Catalan theatre with international performances. It consists of three different rooms, the space for 900, 400 and 300 people are offering. Mainly Catalan and Spanish and international pieces listed, are the decorated by dances and performances. There also one-hour guided tours for 4 euros, which can be reserved by phone or mail. If you make up in your holiday on a visit to one of the mentioned institutions forgot to book, which is located in the vicinity of the place of performance, not an accommodation that saves much time and scramble for the taxi. Apartments in Barcelona as an ideal starting point for activities are recommended.

Metropolis Ruhr

“” Touristenauskunft.info informed: as cultural capital of Europe “have the 53 cities and districts of the Ruhr area joined together and present an exciting programme of international cultural events, spectacular light installations and artistic interventions a year” in the public space. The star-studded management team has to the target set, everyday life in the metropolitan area a creative moment long stop. We are looking for ideas and models for a life worth living in the cities of the future. The Ruhr area has accomplished a tremendous cultural achievement in the last few decades: it has reinvented entirely after the decline of heavy industry, which characterised his appearance. The Ruhr area has changed its face, a multilingual region and urban landscape with 5.3 million inhabitants is the Ruhr metropolis.

The starting point of the capital of Culture Ruhr.2010. 2010 is a seemingly formless polycentric city fabric with a wide structural variety and just as many different Life worlds. What makes us? This is the central question of the culture capital programme. The cultural identity and the cultural heritage of this region are characterized by the myth of Ruhr coal and steel, hard work and solidarity, of course football and especially by the coexistence of different cultures and religions. 2010 is about the shared vision of the Ruhr metropolis, which (hopefully) rises from blast furnaces and rolling mills at the end of all the creative winding towers, and lights in the future. The metallurgical plants called fine arts and town planning, landscaping and architecture.

Under the motto “shaping Metropolis” changed the culture capital of the significance of the places dedicated to them and reinvents it. It is visible: the Ruhr region has its distinctive face, but his transformation is a model for many other industrial regions of Europe. RUHR. 2010 goes the way of the experiment, wants to find unconventional ways and above all awaken happiness. The artistic intervention”of the metropolis “Ruhr. 2010 understand the urban landscape, the powerful industrial buildings and passages between the cities as material and playground, teach also the urban Unorte ‘ to see with new eyes. Suddenly, unlimited opportunities: A tower on North Star becomes the winner of top-class art, a place in Bochum by the promise of thousands of people charged the stockpile anger Park to the “Magic Mountain”, the Ruhr, to the “twilight zone”. An arterial road zerschneidende the urban space is transformed into the Park Freeway. The exhibition makers pay special attention to the medium of light. The spectacular illumination of the ENS metallurgical plant, to take just one example, reveals the full beauty of a blast furnace plant. Living room become venues for light art, churches open for lighting installations, and a light art festival enchants the Ruhr Valley and its venues. Who wants to be here and experience itself, as from the myth Ruhr metropolis of the future created on the Internet portal of BDP GmbH, Managing Director M. Karpenko, touristenauskunft.info referenced. A beautifully and intelligently crafted page all information and tools for a successful trip planning can be found on: addresses, directions, hotel search, including full contact details of the relevant industries ranging from restaurants, auto and transport culture and art. Press contact BDP GmbH Mr. M.