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El euribor closed the month of April at 2.086%

The Euribor, the main indicator that are referenced most mortgages in Spain, in April closed at 2.086%, which represents the thirteenth consecutive monthly rise and more expensive mortgages in approximately 775 per year.

This is the first time breaks the barrier indicator of 2% monthly since February 2009, when it hit 2.135%, and remains at record levels for two years.

users a mortgage of 150,000 euros for a term of 25 years with a spread of 0.8 points over Euribor to touch you review your monthly payment will be more expensive at about 64 euros, bringing the rise 775 euros yearly.

Euribor The upward trend in response to tighter monetary policy of the European Central Bank (ECB) to control inflation in the wake of soaring oil and raw materials, mainly.

addition, doubts about the peripheral countries mainly Portugal and Greece, have returned to exacerbate tensions in the debt market, which triggered the spread of the bonds and expensive financing entities.

the biggest increase since December 2007

In fact, the monthly rise in the Euribor is 0.858 points compared to April 2010 and is the highest recorded since December 2007, when the indicator rose 0.872 points on the level marked a year earlier.

The experts consulted by Europa Press caution that the index will continue its climb in the coming months, although the extent will depend on the size of the increases in official rates applied by the ECB.

The chairman of the Central Bank, Jean Claude Trichet has hinted further rate rises, so that analysts assume that more expensive borrowing costs twice the rate of a quarter point, to 1.75%.

thus predict that the indicator, which started its upward trend in August 2010, ending the year in a band between 2.5% and 3%, compounding the difficulties of families to meet their payment obligations.

The Prime Minister, José Luis Rodríguez Zapatero announced this week in an interview on Youtube, questions from the Internet, a congressional panel that will examine ways to alleviate the difficulties of households to pay home ownership.

Source: EuropaPress

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#FelizDiaDelDiseñadorGrafico

Since 18 years I began to Ostia with Corel Draw, thanks to the interest aroused in me the work of a great friend, Enrique Garcia.

It has been 14 years and done so many things related to design, from logos to me out gray green, models, crafts for genres that never worked and even cartoons in nightclubs ... bufff ... experience has been amazing. The tiger head that I've left ...

design and I love him, but certainly along this path, I discovered that I prefer the picture is, without doubt, my passion has given me a lot ...

To all who have made the same way that I, to find that design, in any genre, is how they want to live this life, Happy Day

They Want!

PS: To put humor to the thing, I leave with useful information on lifestyle of
Designers
15 Reasons why designers are like hookers:

1. usually work late ... like hookers!
2. are most productive at night ... like hookers!
3. They are paid to keep a customer happy ... like hookers!
4. charge by the hour ... But their time is extended until the end ... As Putas!
5. If they are good they are never proud of what they do ... like hookers!
6. satisfy the desires and fantasies of its customers ... like hookers!
7. Les is difficult to have and raise a family ... like hookers!
8. unlikely to have a stable relationship ... like hookers!
9. When you ask them what their work can not explain it ... like hookers!
10. The client always wants to pay less and over that you want done wonders ... like hookers!
11. Every day when you wake up they say to themselves: I'm not doing this all my life ... like hookers!
12. Without knowing anything about their problems, customers expect them to listen and give advice quelen need ... like hookers!
13. If things go wrong, the designer's fault ... like hookers!
14. have to provide free services to their bosses, friends and family ... like hookers!
15. can only talk about things in his work among them, only between them understand ... like hookers!

Source: Rob3D

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Facua calls

Facua spokesman, Consumer Action, Ruben Sanchez, has called on consumers not to buy more houses and, in any case, to negotiate the best prices to cause a fall " much more radical "that in his view, the sector is reluctant to apply for their profit margins.

Speaking to Europa Press, Sanchez said that the drop of 2.5% of private housing on the end of 2010 still is "ridiculous" and shows that the sector is willing to "maintain profit margins own years of the 'bubble' property. "In his opinion, that price drop" will only lead to consumers not buying new homes. "That consumers forget the great offers lower prices because are not so great, "he added.

As he argued, housing prices have reached triple during the years of boom and now" only 5% down, 10% or 15%. " "It takes a much more radical decrease," he said, before apostille that "the consumer can press a lot by not buying and bargaining, especially in old housing.

On the other hand, the spokesman Facua loaded against the Government for sending messages "triumphalist" and make appeals to buy "blind to help a sector that does not deserve to be helped." "The greatest disservice you can do the rulers is that housing is affordable," he said.

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Post it

sushi

Magnets on plan

ninja stars.

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Clamps Sheet

Holder to avoid cable clutter

What I can tell? I love them all ... Know where they are on sale, but will investigate to place links here.

Home

Happy Easter ...

Denise \u0026lt;3

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New Illustrations.

As I mentioned yesterday in this holy week I had time to illustrate that really matter, I am very pleased. Since I had to make a logo for a client, who has a business making homemade muffins, I took (of course, by request) to incorporate some of these illustrations to it.

illustrated Tomorrow I'll upload these to my Zazzle store, someone like themselves.

Besitos \u0026lt;3

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Redecorating ... Yes

lately I in this process, redecorating my entire life and with it, I decided to do the same with the blog. Taking advantage of having so long without going through here, wanted to give a hand, another template and I found it heavy, so I went back to simplicity, of course, always with my touch.

What have you, my loyal readers left yet? I can tell you that I'm still in Venezuela, that my child is increasingly large and handsome, and has 2 ½ years. At work I am doing very well thanks to God, yes, no time to do other things. Hence, my lack around here, really, I've missed and I promise to catch up. Leveraging

Easter holidays, I'm back to illustrate. The victims have been the muffins you see in the header of the blog. Tomorrow I post all ... For now, I've taken a big step back.

They want, they have a good weekend.

Denise \u0026lt;3

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not buying homes made available Caja Laboral 400,000 customers instant credit for the total amount of 5,000 million euros

Caja Laboral has made available to 400,000 customers instant credit for the total amount of 5,000 million euros. The measure is part "in supporting" families to "recurrent funding needs at a time of adverse economic conditions, as reported by the entity.

also explained that the measure is "a firm step" in its "position as an entity more competitive product price and personal loans to their customers, whether or not the first entity.

credits ranging between 1,000 and 25,000 euros, up to five-year, no arrangement fee and an interest rate that determined based on customer loyalty.

Finally, since the bank has stressed that accessibility and availability of credit is immediate, "avoiding in this way, bureaucracy being able to access funding through the branch The web, the network of ATMs and telephone through the telephone banking service. "

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Andalusian Parliament calls on the Government legislative reform in the mortgage

The Andalusian Parliament plenary session unanimously adopted a motion presented by the PSOE Act-A, which the House requests the Board to urge the National Government to "promote legislative reform to enable delivery housing in return for the entire mortgage debt assumptions of residence only in situations of default and duly justified. "

In defense of the initiative, the deputy of the PSOE-A Rosa Torres explained that their training calls for the central government to consider measures to ease the mortgage payments on primary residence to "situations of default justified, taking into account constraints as the situation unemployment of the holder or holders of credit and the loss of purchasing power ", as it expanded," the way for the rehabilitation of mortgage credit to these situations in order to prevent the execution of resulting in the loss of housing ".

Torres indicated that they are" thousands "of families at risk of losing their homes because they can not afford to pay the mortgage, since purchasing power today have a" radically different "

to which they were when they signed their mortgage to have been amended their employability status. In his view, this initiative is "common sense and social justice" for what he said expect all groups in the House to act with "responsibility" to carry out measures that result "for the weak."

Meanwhile, Rep. PP-A Alicia Martinez has deemed "incomprehensible" that the PSOE-A to bring this initiative, which is not the responsibility of this House and the National Government could have already launched since in 2007 the housing bubble burst. In addition, he recalled that the Prime Minister, José Luis Rodríguez Zapatero, and Economy Minister, Elena Salgado, have recently indicated that it is not the time to raise the payment in kind.

Martinez, who has indicated that the 'popular' have always voted yes to this initiative and other national parliaments of the autonomous communities, pointed out that the PSOE-A brings the proposal to Parliament for "electoral campaigning and demagoguery." Furthermore, it indicated that the training has tabled an amendment to the motion of Andalusia Act to create a pool of mortgages to alleviate the situation of families can not afford this payment.

Finally, the deputy-CA IULV Juan Manuel Sánchez Gordillo considered that this initiative is "full of cynicism and hypocrisy" because, first, the Andalusian government has "responsibility and guilt" in the planning model "corrupt and unsupportive "and that no homes have been made to live but to" speculate ". On the other hand, has criticized this proposal was rejected in Parliament when introduced IULV-CA, as well as the Congress of Deputies part of the socialist group.

Foto Lady Barbara Stocking

Stellar cults in the prehistoric site of The Toscas of Guirre (island of La Gomera)

Published in Canarias7 , April 12, 2011

A recent study based on the astronomical position reveals the connection of the prehistoric site of The Guirre Toscas of the Roque of Agando by the two biggest stars in our sky, Canopus and Sirius.

The finding of a panel over a hundred characters Libyan-Berber writing in a cave of La Gomera records the greatest discovery Archaeologists found in the island site is hosted on the side of a cliff, in a major archaeological site that also include small concentrations of cave dwellings, burial and archaeological material.

cavity opens into the tuff, guiding his mouth to the south. Its dimensions are quite small: about 6 m long, its maximum width reaches 2 m in the center and the height is extended to 2 m at the western end. An exterior wall of stone, more than 4 m long by 1 ½ m high, closes the cockpit. At its western end, the cave contains a hole of 16 cm in diameter in the ceiling. It is no coincidence has an importance that will reveal later.

both inside and outside the shack we are surprised by the presence of a number of bowls, some even forming part of the roof with individual small channels near the hole. Surface archaeological features are not appreciated.

The panel of rock carvings found in the wall, whose arrangement varies between 200 º / 210 º LN Discounting magnetism volcanic their true orientation is closer to the South, between 190 º and 200 º LN The engravings are scattered over an area of \u200b\u200babout 2 m long by 1.30 m in height.

Why were recorded over a hundred letters and a large number of cups in a cave as little significant both for its small size, the indoor humidity in winter and the dangerous vertical terrain? Clearly, we face a "small" shrine. On Tuesday March 30, 2010, we moved to the "Isla Colombina" to base our assumptions. Shortly before nightfall we arrived at the sacred cavity, prepare the camera and wait for the star Canopus we manifest. We had a great distrust in the sea of \u200b\u200bclouds covering the horizon. Came the darkness of the night and could not see anything, but In a moment, the heavens opened and in front of us with a twinkle appeared Canopus unthinkable. Occasionally, the clouds dispersed to show the star. In another range of clarity also grasp the alignment of the stars Canopus and Sirius. It was a prodigious lightning, extremely pleasant to realize that the brackets where the characters were recorded directions to the place where it happens this episode so magical.

On the other hand, through the hole made in the roof you can pay attention to Agando Roque de landmark. Astronomically something extraordinary happens. Thanks to the efforts of our friend and colleague Thomas Vicente Jerez Reyes, who helped us enormously in the field, just to see how the biggest star in the sky (Sirius) is hidden behind the Roque de Agando, slightly skewed towards the South, but two thousand years ago concealed closer still the pinnacle of Roque.

The Linguist and historian Ignacio Reyes adventure ahead even with the last entry found in La Gomera Libyan mentioned foreign production, treatment or theft or colactación pact made in a poetic form. But more striking is the interpretation of one of the fragments panel which reads "əd rhrwb hmn ', is segmented and vocalizes "ərr HARAWA ed hamam was" literal translation of which reads: "Place where the water comes to livestock is not' or, more literary," Let provide water for livestock when it lacks ( it) ' ( www.ygnazr.com / ahamen.htm ). Please showers or request clearly aimed at Canopus star winter begins to be fixed in late August, shining brightly in the winter and disappears in April, coinciding with the rainy season in the Canaries. Perhaps the large number of bowls explain that same cosmic analogy with propitiatory rituals and callers from the fertile rain.

Observation and Canopus worship are well documented in the Berber world, be an important part as the core of their worldview. Canopus is the star of the sky, the oldest, the mother of all stars, key egg whose explosion created the universe we know (Pâques, 1956).

In the religion of old rubber trees were worshiped stars and performed an original relationship between heaven and earth, in this particular case, by the stars Canopus and Sirius in the sky The Toscas of Guirre and Roque de Agando on earth. The result is a major heading milestone in cosmology. Establish all these connections requires a great sense of observation and a precise knowledge of the topography and motions of the stars in the sky.

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Gone are the low interest rates

The Governing Council of the European Central Bank (ECB) has decided to raise interest rates in the euro zone by a quarter point to 1.25%, after nearly two years lows as the market had already discounted after President Jean Claude Trichet, acknowledged one month ago that this increase was "possible".

With this decision, the types interest abandon its lowest level in history, where they stayed from May 2009 with the aim of supporting the recovery of the eurozone economy.

In the press conference following the Governing Council in March, Trichet surprised to recognize that a rate hike in April was "possible" but also stressed that this decision was not "safe" because the institution does not assume no prior commitment in monetary policy decisions.

However, in recent days, analysts considered that this rise was virtually assured and highlights that the market was already discounting will not be the last to be carried out before the end of 2011.

The euro zone inflation in March reached 2.6%, two tenths over the previous month's figure, according to early estimates from the European statistical office, Eurostat.

The European Central Bank in March revised upward its inflation expectations for this year and next as a result of rising energy prices and other commodities, which in the case of 2011 placed the range of inflation expectations institution between 2% and 2.6%.

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The euribor climbs and extends rally falls

The proximity of a possible rise in interest rates continues to fuel increases in the interbank market. On Friday, the daily change of one year euribor broke the barrier of 2% for the first time since March 3, 2009.

The first day of the week was continued to progress, and the Euribor jumped from 2.013% to 2.021%. On this day, with just two days pra ECB meeting, the daily change continued upward, reaching 2.025%.

The benchmark for calculating mortgages are well away from historic lows (1.21%) which recorded a year ago in March 2010. Now for the first time in the series, and presumably only until Thursday, the Euribor (2.021%) is double the official interest rates in the euro area (1%).

The market's attention is focused on one of the most anticipated meetings of the ECB in recent times. If projections are met, on Thursday interest rates recorded its first increase since October 2008, from 1% implemented following the financial crisis.

March ended with an average rate of 1.924%, its highest level in 25 months. Rising some 600 more expensive per year an average mortgage of € 150,000 a year contract.