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LIBYA CESAR

95,921 signatories.
Amnesty International is collecting signatures to protest the bombings and the slaughter that Gaddafi is prepared to lead his people.
There is a link where you can have some more information and sign to protest

http://www.es.amnesty.org/actua/acciones/libia-la-represion-debe-cesar/

If you see fit , send it to other friends

Juan Rivero
www.juanrivero.es

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GRANTED ONLY BANKS AND MORTGAGE TO BUY THEIR HOMES

Banks and mortgages granted only to those who agree to buy one of their homes and not a developer, his main competition now that the crisis has filled their portfolios of real estate from foreclosure or payment in kind, according to the report 'Trends 2011' by CB Richard Ellis.
"The lack of liquidity and credit has led to a strong competition between financial institutions - now owners of numerous real estate assets - and promoters, so that funding is limited in practice to the assets owned by banks," says real estate consultant.

portfolio dwellings pose to financial institutions a burden, mainly in the form of provisions, and, as 51.4% of real estate executives from leading reviewers, will continue to rise during 2011.
However, six in ten believes that financial institutions are facing correctly is not new role, the lack of know-how needed to manage the sale of real estate or its land portfolio.
www.juanrivero.es In the real estate agents have agreements with banks to get mortgages to purchase affordable housing. Consult us on tel 609032069

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FIRMS OPPOSE THE EXECUTION OF THE PROVISIONAL Judgement 'ANTI-GROUND' FROM SEVILLA SPAIN

BBVA and Novacaixagalicia present their opposition to the provisional execution of the sentence by the Commercial Court in Seville number 2 which requires them, with Caixa Galicia and Cajamar, to eliminate the 'ground provisions' of abusive mortgage contracts,
Provisional enforcement forces all three entities to refrain from applying these provisions to the Audiencia Provincial de Sevilla handle your appeals lodged against the verdict.

Specifically, one of the clauses is prohibited to BBVA, which states that "the rate applicable to ordinary accrual of interest shall not, in no case more than 12% or less than 2.5% annual.

other hand, industry sources explained that the clauses referred to floor and ceiling are supported and regulated by the English legislation on the Order of May 5, 1994, which only requires the reporting of these borrowers

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BANK ENDORSED IN YOUR DAY THE CLAUSE 'GROUND'

The Bank of Spain, in a report issued at the request of the Senate, endorsed the application of these clauses, considering that limiting the change in interest rates is an essential condition of the contract to be part of the price of the loan.

The watchdog also said that the fixing of interest rates on credit transactions between the parties is free, the roofs of the clauses are intended to guarantee a minimum income for institution granting the credit, whatever the circumstances of market rates, which are positive in terms of average cost for customers. The Bank of Spain with these and other efforts on behalf of the bank, he looks a little "feather duster"

The ruling, issued on 30 September by a court of Seville, nullified the 'ground provisions' considering that they were unfair due to the "clear mismatch" between the floor and ceiling of interest rates on mortgage loans, which provides a benefit to the bank "lacks mutuality in consumer harm." These actions in favor of consumer rights have been promoted by Ausbanc Sevilla.

To view any details about your mortgage, you can check by calling us at tel 609032069 and you will see some of the best offers in www.juanrivero.es aljarafe

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Escher My first gift I invented Nintendo 3DS

I can think of many bullshit and I know I'm not going to make but never initiative you have an invention you gift with which you can do mulltimillonarios ..... "The rapid deployment barrier, effectively the name is not very commercial but that I leave to you.

The invention in question is to build a fence to block a clumsy accident and the drivers do not stop to look when cars stopped on the sidewalk of the road. Requirements

winners:
- The fence in question must be possible to mount by one person.
- and deployment should be quick and easy fold.
- must be light to take with a person
- Must be of smaller size to take up not much in the trunk
- does not have to be very high (cars are not)
- must endure light winds without fall.

Potential users:
- All police cars in the world

Hala make you give the coconut and millionaires, and if we ever do at all remember me and give me a detail. Ahh I have more inventions, I'll tell in the next editions.

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Botellón

any teen
History:

This night you go to bottle with 9 friends. Decide to make a boat and put 10 € each. In total, you have € 100 to buy rum and coca-cola Admiral, plus some ice and cheats that to your battered Animate digestive system.
All goes well until four of your colleagues argue that for them in a bottle is necessary to order a pizza. The others do not be cool idea, because it is expensive and also one of them is intolerant of lactose and other allergic to gluten, so planteáis options:
The lactose intolerant proposes that anyone who wants to go to buy it for pizza your account, then you already juntaréis to the bottle.
The allergic to gluten, which is more conciliatory, he suggested that those who want to put pizza € 3 more to the pot, because the pizzas cost about 12 €, and buy everything at once.
The fat pizza lover, who does not walk very well peel, replica he, of its 10 €, wants 3 is devoted to pizza, since it is their money and he can decide how to spend it. His three henchmen agree with him.
As mathematics is not a lot you are cool, and not to argue with him, a little heavy when you put, you decide to give the reason and end of the 100 € that had you spend 12 years in order a pizza and the rest on booze and cheats.
The pizza they eat four.
Drink and cheats for all.
The truth is that you have not eaten pizza you put € 8.8 for what you have given yours, and 1.2 to the other, and in the end which I expected because agarráis between cheats, ice and coca-cola has not given you for all the Admiral you wanted.

PS: Read Me for Dummies:

• Botellón: English State (I particularly like this analogy)
• Boat: Taxes of the English Admiral Ron
• , coca-cola, ice and cheats: Health , education, roads and pensions
• Pizza: religious sects
• Lactose Intolerant: supporter to eliminate any cell of the tax return
• Allergic to gluten, according to the box but in favor of mark resulting in an increase of
• amount to provide heavy Gordito: Respondent to check the box to any sect
• Melopea unfinished:
precarious welfare state

PSII: was going to write a post about censorship and the Streisand effect, all very fashionable, but now this news has come and as every year, is a topic that I get really mad.

PSIII: Hyperbole is a literary license, if not ask him to Gongora and one of those.



Edit:

pSivida: The so-called "add-budget (money the state gave this association when using the 0.7% personal income tax taxpayers did not reach agreed to a minimum to reach that amount) was eliminated in 2007, thanks to God?, now with the tax return, the Church only get what the assignment is voluntary and some involuntary contributors for everyone else. ( http://www.revistaecclesia .com/content/view/23738/48 / ).

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WHAT WE CAN COST REFORM?

Housing reform with breathtaking views sevilla
on

When the state of housing in need of reform, we can quickly estimate the cost per square meter of the reform through this box:

basic reform .- Bathrooms and healthy cooking and coating. Reform
half .- Bathrooms and kitchen facilities, flooring, interior woodwork. Reform
total .- New partition walls, wet rooms, interior and exterior joinery, flooring, installations ...

prices are estimates based on our personal experience, for an apartment in a big city. In any case, are indicative only and should not be taken as budgets. Data
Bernardo Gómez Delgado. Architect in http://www.blog.ventadepisos.com/ Ask
three budgets to companies that have a reference and is not very good idea to stay with cheaper, except that the references are very good. The agency
http://www.juanrivero.es/ have some houses to renovate with attractive prices, see our offerings.

Moreover reforms and works in housing tax deductible.

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CONSIDERATIONS TO TAKE INTO ACCOUNT IN AN EXCHANGE OR BARTER

Typically either party or both involved in the exchange have an outstanding mortgage . It is very important report of the liens and encumbrances of the property to be commuted, and that go to advice professional preparation of contracts.
Before any commitment should ask the other hand, a simple note of registration, which will result if you own or sell any limitation. The Land Registry will check that the property is registered in the name of the person who sells and is free of charge or that charge has
If the property is not registered in the Land Registry on behalf of the seller or have registration charges , certain steps must be performed prior to writing to regularize the legal status of housing. The agency
www.juanrivero.es we can report all the necessary procedures to successfully so no surprises and exchange. Consult the best deals of the Aljarafe in www.juanrivero.es tel 609032069

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convencion2006 REMAX

Reviewing files, I found some pictures of the convention REMAX 2006. It brings back good memories about friends and colleagues with whom I had the pleasure of sharing knowledge, experience, exchange properties, methodof working etc, for several days.
The convention was attended by international speakers brought from usa, as well as some of the best real estate agents at the European level. We also had presentations
some of the best coach at international level, as Curro Avalos, Ignacio Castillo. Corbett (former basketball player) etc, buna
We take note of all the techniques that we presented and have served us well to continue forward supporting the housing crisis, selling at a reasonable pace in the current situation. The agency
www.juanrivero.es think that "training is very expensive, but it is very expensive is the lack of training"

The photo appears next to the president of Spain and fellow REMAX receive the annual award for sales The agency

www.juanrivero.es sell homes every month, see our best deals in the Aljarafe. tel 609032069

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CLARIFICATIONS TO INCREASE THE BARTER BARTER

Bartering is "change" a house on the other. As there is a difference in the valuations, should be compensated by the contribution of an amount in cash. In fact, there are two purchases, the only difference that the average employee pay in lieu of money, is a building.

you wish to use this method to get a building must follow a few steps that correspond to transactions known as swap. Exchange contracts are characterized by the absence of money prices (as that does not mean that part of the price to be supplemented by money). Since it is a double sale, the procedures to be followed are the same as a normal sale, grant deed, tax payments (Onerous Property Transfer), Registration of property, etc.

The distinguishing feature is that the same act there are two purchases. So, you have to pay two municipal capital gains, two bills notary and two bills of the Property Registry, in addition to pay the tax for each of the transmissions patrimoniales.En definiutiva each owner will pay the same as if bought and sold . It is common in permutations do not match the prices of property, so it makes sense that each party assumes its taxes.
In years prior to 2007, lending was important, with the bursting of the housing bubble, the mortgage activity has declined considerably. Has also been severely hampered access to credit. The agency
http://www.juanrivero.es/ have a long experience in barter, we can advise you for your calm, of accomplishment and impartial assessment of both properties.
We also have a number of properties whose owners allowed a home as part payment of the selling.
See some of the most interesting houses in the Aljarafe in http://www.juanrivero.es/ tel 609032069

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PIT People are assholes

Some readers may have had the pleasure (or displeasure) of meeting the Facebook page " People are assholes." Many others probably not. Who knew it, you have been censored closed by the administrators of Facebook, or something.

character icon "People are assholes"

"People are assholes", which you can see from the above link cached version of how was the 30th of January (which Google stores do not know how long), has been closed censored for being "a page that incites hatred, is threatening or obscene." Can judge you, but not too well because the cached version is like a snapshot of the page and you can not read everything.

In a couple of strokes, "People are assholes" was a page apolitical criticism aimed at the ignorant pride, bigotry, intransigence and hypocrisy. It quotations shared intelligent, kits of others intellectually distant from the first, and news or links like these:

- China uses images of "Top Gun" in a story on his army
- The Archbishop of Brussels says that AIDS is just "because you mistreat love"
- Boy boasts of how well he knows to skip the subway without paying barrier: Very smart versus Karma
- newspaper Pimp Egyptian official with Photoshop a picture of Mubarak and Obama to look like the Egyptian president calls the shots.

Anyway, and so on until 100 or 200 links but wanted little more than just drawing a portrait of the absurdity of society in which we live.

Apparently, some asshole felt alluded to and denounced the site, which has been closed.

That's it for today. If you use facebook and you are interested in re-raise, you can contact me and I explain the bailout plan (which is pathetic and tiny, but good). Thanks also spread the news, anyway.

Greetings, readers

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The barter generated each more interest, as evidenced by the increase in requests and offers in all the Autonomous Communities in recent months are common
comments requesting a home swap for another of lesser value. In these cases, the owner of the apartment gets wider by barter a smaller flat and also takes the economic difference in money. For example, if you change your flat, which is value is 300,000 euros, for a smaller than 250,000 €, 2 º has to pay the difference of 50,000 euros.
When an operation of this type should take into account how we have the money missing. We need to look to the banks the right loan. It is also necessary to know the cost of the operation and have all the financial details provided. Tax, notarial, registration, cancellations.

etc. Both owners reach their goal of selling your home and buy one that best suits your needs. The agency
tel 609032069 www.juanrivero.es advise you on all details to make a trade.
have the best houses in the aljarafe Sevillano. Request Information
some examples of homes that admit barter
For example. Magnificent chalet in urb Tomares Villares Altos we see in the picture above

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HOUSING THE PEOPLE'S PARTY PROMISES TO RECOVER THE TARIFF TARIFF FOR COMMUNITIES

Mariano Rajoy, promises that if in 2012 the government won the elections again allowed tax relief on home buying usual for all income brackets.
Some think that they can have an immediate negative impact on the housing market. Industry experts warn that the ad could discourage sales in 2011
The debate on whether to stimulate demand for homes through the tax credit for home purchase and re-enter the scene.

On the one hand, organizations such as OECD and IMF have been warning for years that aid to the purchase as an incentive to higher prices pisos.POr other experts such as José Antonio Pérez, director of the chair Real Estate Institute of Business Practice (ipe), commitment not only to deduct for buying a first home but by the second and third homes, to disposing of the stock
The housing stock is weighing as a slab for a possible economic recovery. Hurts credit system and has caught many homeowners with mortgages they can not afford. We are in favor of recovering the tax relief. The market has to move and stagnation hurts us all. The agency
www.juanrivero.es have magnificent houses with prices, contact us tel 609032069