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foreclosed mortgages while the ECB will not tighten interest rates remain low

pocket For families, the number translates into the first rise in mortgage since November 2008. A turning point over the next months?

Analysts are reassuring to recognize that although the situation may worsen, it will be a slow and gradual. Renta 4 provides that the indicator end the year at around 1.50%, but remember that the rise is not as important if one considers that the figure still falls far short of 4.813% on average, which closed two years ago .
Even more optimistic. Antonio Zamora Garcia, director of strategy at Banco Sabadell, explains that the rise in the Euribor recorded between June and July due to higher expectations for a possible rate hike from the European Central Bank (ECB), with improved economic activity in the second quarter, and increased premiums interbank market risk amid doubts about the solvency of the financial system. However, explains that "this process has been arrested in the past two weeks and although premiums have continued picking up, expectations of rising interest rates have returned to relax as a result of bad economic data arriving from the U.S., which aim to a clear slowdown. " Zamora believes that "although the margin is down very small, it is unlikely that the upward trend in June and July are extended in the last months of the year. "

At least not abruptly. Experts believe that we should not worry too much, at least until late 2011, when central banks start to raise serious about a rise in the price of money. And the uncertainty is starting to show. "We have noticed an uptick in demand for information about revisions to mortgages," explained from several banks. Normal. No one should like to meet with a negative surprise to return from vacation, after months of your mortgage by making revisions to the downside. But can we guard against the expected gradual rise the Euribor? The experts think so. And English banks offer different products to shield housing payments to the bank. Variable or fixed


Mercedes, a treinteañera which have just set in their work, is about a mortgage. Calculator in hand has traveled many branches, with the intention of becoming the best fixed mortgage market. "I thought that now that the Euribor begins to pick up would be the best option," he explains. Nothing is further from the truth. Door to door, still advise financial adjustable mortgage, which now represent over 90% of the national portfolio. Although loans fixed rate offer incontestable advantage, ensuring equal pay until the last day of the loan, experts believe that "are much more expensive and have a very high commissions if we change banks." Such products often have a less than 5% interest, which would be profitable only if the Euribor reached 2008 levels in the short term. "These mortgages do not represent even 1% of our portfolio and we hope this trend continues over the coming months," explained sources consulted in Bankinter. Of course, say that if anyone is interested, now is the best time to hire a fixed loan, "and that interest rates go up in price as the Euribor rising. Normally, the profile of this customer is someone with a secure income. "

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WEEKEND WITH THE STARS


PROGRAM ACTIVITIES

Friday, September 10th 19:00 to 8:00 p.m.
h. Arrival at the Nature Center La Rosa (Puntagorda) and installation in cabins.
20:00 pm Explanation of program activities.
21:00 pm Dinner.
22:00 to 23:30 h. Chat with audiovisual: Introduction to the archaeo-astronomy, by Michael Martin González, prehistory and member of the Association Irueña La Palma.
Saturday, September 11 08:00
Awakening. Toilet.
08:30 h. Breakfast.
09:00 h. Drive to the Roque de Los Muchachos.
10:30 h. Hiking Roque de Los Muchachos-Puntagorda: Sacred Path of Awara, by Miguel González Martín and Inés Dieppa, members of the Association Irueña La Palma. Pastoral visit to the shelters, the lunisolar markers and Las Lajitas Izcagua headers. Walking route to the Llano de las Animas. Taking in the Era of The Melquiadez, and transportation to the Nature Center La Rosa.
14:30 h. Lunch at the Nature Center La Rosa. 16:30 to 18:00
h. Departure by car to visit the cave Buracas stations and The Hook, Las Tricias (Garafía).
18:00 h. Return to Nature Center La Rosa.
18:30 to 20:30 h. Workshop Introduction to Astronomy, by Juan Antonio Gonzalez, a member of Isla Bonita SL Astrotour solar observation.
21:00 pm Dinner.
22:00-24:00 h. Astronomical observations, and explanations of some constellations recognized by the Berbers.
Sunday, September 12 09:00
Awakening and WC.
09:30 h. Breakfast.
10:00 to 13:30 h. Drive to the coast of Puntagorda. Visit bowls Puntagorda Hispanic origin. A walk through the path real to the church of San Mauro Abate. Collection and transport to the Market: Puntagorda. Return to Nature Center La Rosa.
14:00 h. Lunch.
16:00 h. Conclusions. Evaluation. Farewell.

Price per person: 60 € (includes lodging, meals, transport, monitors and guides, workshops and lectures). 15% discount for couples and children *. * Activity
recommended from age 12.

Information and Registration:
Outdoors Association (Tel. 649 90 62 64)
Mail: airelibre@airelibrelapalma.org

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Google:

Top 10 of the best scenes captured by Street View
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Social media as a tool for crisis management and emergency response to e-

Commerce:

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Families are encouraged to seek new mortgages. Less mortgage this month

applications of private loans for house purchase rebounded for the first time since mid-2006, according to the latest Economic Bulletin, Bank of Spain, released last Friday.

These data are in line with the figures of funding granted by banks in June, which this week have shown that the balance of the mortgages to individuals in 685 000 million, has risen by 1.4%, the highest increase since April 2009. This improvement contrasts mortgages the lack of effect of other loans.

applications for consumer credit and other purposes by families remained stable, although after three years of decline. Restriction


face of greater demand for household credit, banking continues to react, however, with caution. Entities implemented in the second quarter, "some tightening" in the criteria for approval of new loans, after several quarters in which hardly changed.

The cause of this hardening is in the deterioration of the institutions themselves access to financing in capital markets more restrictive than before the tensions unleashed by the Greek fiscal crisis.

The price volatility, higher risk premiums and cuts debt rating on the English, have hampered the collection of funds from the bank. Although the supervisor notes that in July, these tensions have eased, after the stabilization plans of the European countries and the publication of the stress test. Less

Making A Motion Detector

The UNESCO will allow astronomers to sites declared World Heritage

The decision taken today in Brasilia (Brazil) is the result of the formal approval of a study on Astronomy and World Heritage has had the participation of IAC
The elks Alentejo, Talayotic monuments of Menorca, the observatories built in the era of Carlos III in Madrid and San Fernando, or mountain sanctuaries of aboriginals are some points of interest in archaeo-astronomical heritage in Spain
From Stone Age to the Space Age, man has always looked at the sky. This union has not only provided knowledge about the universe, but also a heritage from the time of the Mayan calendars or tables Mesopotamian to the present. For the first time this scientific heritage can be considered world heritage by the United Nations Educational, Scientific and Cultural Organization (UNESCO). The 34 th meeting of the World Heritage Committee of the organization, which ended Tuesday in Brasilia (Brazil) has approved a study that defines the criteria to include more and archaeo-astronomical interest within the World Heritage List.

The study, published by the International Astronomical Union (IAU) and the International Council on Monuments and Sites (ICOMOS) has been supported by the Instituto de Astrofisica de Canarias (IAC) and the Starlight-IAC initiative, with which the center seeks to defend the quality of night skies and the general right to observe the stars. IAC
investigator Juan Antonio Belmonte, who has participated in the study, summarizes the opportunities arising from the decision of UNESCO: The study provides a basis for governments and institutions to nominate monuments or places of special interest and archaeo-astronomical . With these same criteria, the responsible UNESCO assessed and, where appropriate, approve the inclusion of candidates on the list of world heritage sites.
In its 500 pages, the authors detail the many characteristics that could confer on a funerary monument to a natural or a collection of astronomical manuscripts, among many other manifestations, the consideration of World Heritage. "Astronomy is a key part in the cultural and natural heritage of mankind. Recognizing this fact allows us to formally identify and clarify the astronomical value in the context of the World Heritage Convention," said Clive Ruggles, head of group work on Astronomy and World Heritage International Astronomical Union and editor of the study.

UNESCO's decision opens the door to many places in the world choose to be included en el Listado del Patrimonio Mundial. Belmonte, que dirige en el IAC el proyecto Arqueoastronomía, cita alguno de los parajes españoles que podrían llegar a recibir esta consideración: "España conserva muchos puntos de interés. Tal es el caso de los monumentos talayóticos de la isla de Menorca, los observatorios construidos durante el reinado de Carlos III o los santuarios de alta montaña que crearon los aborígenes canarios". El investigador del IAC también alude al conjunto de 177 antas, tumbas megalíticas distribuidas entre Extremadura y la región portuguesa de El Alentejo cuya orientación sigue de forma casi exacta las diferentes posiciones del Sol al amanecer.
Sin embargo, el trabajo no sólo permitirá increase the list of world heritage sites. "The study also enables you to reassess the value of some monuments that are already part of this list," said the coordinator of the Thematic Initiative and World Heritage of UNESCO, Anna Sidorenko-Dulom. It could be the case, for example, popular megalithic construction of Stonehenge, in England, or the Mosque of Cordoba in Spain.

We say quite clearly, the island of La Palma is one of the best studied sites in the world in the sense proposed by the UNESCO.

In 2006 we did an inventory of 168 estaciones rupestres explicando su vinculación con las posiciones extremas del Sol (solsticios), unos pocos relacionados con las posiciones intermedias (equinoccios) y otros con algunas de las montañas más destacadas de la geografía insular (Bejenao y Pico de la Nieve). En los últimos cuatro años hemos ampliado este inventario, incluyendo como novedad los surcos de La Caldera.

También realizamos el inventario de los amontonamientos de piedras de las cumbres de La Caldera y su doble religación con los pùntos más elevados de los picos y el primer Sol del año (amanecer del solsticio de invierno, el 21 de diciembre) y el inventario de lugares con canales y cazoletas, claramente relacionadas by projecting its holder sunward summer (other and sunset depending on the side of the island).

also demonstrated the existence of two astronomical markers (Las Lajitas and Izcagua headers) and its relationship with the Sun and the Moon. After the summer

publish another great discovery at the Canaries, the linking of 4 rock art sites in La Palma, 1 1 La Gomera and El Hierro with a star.

will now begin to satisfy one of our designs, "First they ignore you, soon you decry, then discuss your ideas and later on the appropriate"

Soon (Not much time) and someone will begin to discover what was already discovered and will be responsible for Inventories, etc, etc. We assume that this is so.