Bolsa Top

TELECINCO

2008-07-22T20:02:52+02:00

Si tuviera 300.000 euros, compraría 150.000 euros de TELECINCO y me espería un poco, unos meses, a ver si cae más.

Si empieza a subir, el resto

Si baja, el resto

Y en 2012, 1.200.000 €

Saludos y suerte al riesgo

Qui no arrisca, no pisca

Futuribles inciertos

2008-07-22T20:01:05+02:00

Tema inmobiliario, tendrían que cerrar un par más de empresas grandes, las más endeudadas y con mayor bajad de ventas.

Serían Reyal-Urbis y/o Sacyr Vallehermoso.

Sería lo lógico, pero igual no, igual se salvan.

En cualquier caso, los precios después del verano empezarán a estar interesantes si conservamos el empleo, que es lo difícil en este momento.

Y verano de 2009 ya será un precio europeo, de 200 mensualidades alquiler = precio de venta

100 m2 = 300.000 euros = 1500 euros de alquiler, sería correcto

aún mejor 1200 / 240.000 euros

hasta ese punto, bajadas y sólo bajadas

Situación de activos depreciados

2008-07-19T18:28:37+02:00

Todos los que teneis activos estais viendo como bajan de valor, ya sean acciones, pisos, coches, obligaciones... menos el oro, algunos minerales y cosas raras, estamos todos mas o menos pillados...

Nosotros tuvimos "suerte" (al saber le llaman suerte) de salirnos de forma importante de la Bolsa en diciembre de 2006, y un poco más en junio-julio de 2007.

Nos perdimos el ultimo repunte y la gran bajada.

El piso no ha bajado, o si ha bajado nos es igual, porque lo alquilamos igualmente o mas caro.

Desde entonces hemos entrado timidamente en Telecinco y Tubos Reunidos, y nos han pegado bien alli.

Como la bolsa era claramente bajista, han entrado los especialistas vendiendo a credito todos los valores, y ganando con las bajadas.

El rebote de ahora vien de alli.

Bueno, al tema: ¿que hacemos ahora?

1. Ahorramos, intentad gastar lo menos posible en el dia a dia. Cualquiera, o casi, puede irse al paro. Me incluyo, estan todos los sectores fatal. Olvidaros de aumentos de sueldo e intentad salvar los muebles o la ropa.

2. Invertid comprando bienes de inversion en cash, tipo coches, barcos, reformas de la casa, la cocina, aire acondicionado, dentistas, operaciones de miopia. Hay verdaderas posibilidades de negociacion y de bajadas de precio.

3. Es verano y nadies sensato invierte en la Bolsa en verano si esta fuera. Todos los problemas mundiales, revoluciones, etc., o una gran mayoria han empezado en meses de agosto, septiembre, octubre de XXXX.

Es tiempo de vacaciones, también negociando los precios pero con un presupuesto amplio. Viajando se aprenden tantas cosas, que no hacerlo es un handicap insalvable vital.

A finales de año, invertiremos en los valores que ya os dire en su momento. Hay tantos que nos costara hacer una buena seleccion.

Acordaros que las buenas inversiones de 2008-2009 y 2010 seran nuestra fortuna de 2012.

Despues en 2012 diran que tuvimos "suerte". Recordad, no hay suerte sino decisiones correctas en su debido tiempo.

Buen verano y nos vemos de vacaciones.

Saludos,

Teo

Consejos vitales

2008-07-12T17:26:57+02:00

The Four Agreements are:

BE IMPECCABLE WITH YOUR WORD.

Speak with integrity. Say only what you mean. Avoid using the word to speak against yourself or to gossip about others. Use the power of your word in the of truth and love.

DON'T TAKE ANYTHING PERSONALLY.

Nothing others do is because of you. What others say and do is a projection of their own reality, their own dream. When you are immune to the opinions and actions of others, you won't be the victim of needless suffering.

DON'T MAKE ASSUMPTIONS.

Find the courage to ask questions and to express what you really want. Communicate with others as clearly as you can to avoid misunderstandings, sadness, and drama. With just this one agreement, you can completely transform your life.

ALWAYS DO YOUR BEST.

Your best is going to change from moment to moment; it will be different when you are tired as opposed to well-rested. Under any circumstance, simply do your best, and you will avoid self-judgment, self-abuse, and regret.

The Four Agreements sound simple, even simplistic. But try keeping just one for an entire day!

Martinsa se va al concurso... de acreedores

2008-07-12T17:14:00+02:00

La verdad, nos alegra intuitivamente que Martinsa, alías el Sr. Martín, un acumulador especulador de suelo se vaya al garete y solicite concurso/suspensión de pagos.

A ver si se confirma ya el concurso, ¡a jugar!

Traca final: Fannie Mae & Freddie Mac

2008-07-12T17:04:13+02:00

seguro que algunos pensáis que estamos saliendo de la crisis: yo no estaría tan seguro, falta la traca final.

tiene nombre doble, Fannie Mae y Freddie Mac, las reaseguradoras de todo el sistema hipotecario americano...

algunos datos de miedo:

"combined liabilities of $5,300bn, about 38 per cent of US gross domestic product" o sea deudas de 5,300 millardos de dólares, o sea el 38% del PIB de los USA, ............!!!!!!!!!!!!!!!!!! sería fuerte que el 38% de los USA se declarara en bancarrota, ¿no? lo veremos pronto

Fannie and Freddie are feeling unwell

Published: July 11 2008 19:14 | Last updated: July 11 2008 19:14

With the price of a barrel of oil exceeding $146 and stock markets reeling, the global economic turmoil has worsened this week. Yet most remarkable of all has been the sight of socialist turkeys coming home to roost in the US, home of free-market capitalism. These sorry birds, colloquially known as Fannie Mae and Freddie Mac, are “government-sponsored enterprises”. What exactly that means we may soon discover.

With combined liabilities of $5,300bn, about 38 per cent of US gross domestic product, these massive fowls are universally deemed too big to fail. Since they account for nearly three-quarters of new mortgages, they are too important to do so. If they ceased to lend, the housing market might collapse, so devastating US financial stability.

EDITOR’S CHOICE

Paulson stands by Fannie and Freddie - Jul-12

In depth: Freddie and Fannie - Jul-11

Lex: Fannie & Freddie - Jul-11

Clive Crook: Will Fannie and Freddie fail? - Jul-11

Behind the scenes contingency planning - Jul-11

Size is no guarantee on the US home front - Jul-11

Yet if the federal government had to place the debt of the two entities on its books, the gross financial liabilities of the US government would exceed 100 per cent of GDP. Fortunately, things are not as bad as that, since the assets of the two lenders will continue to have value.

The real problem, demonstrated in the tumbling prices of their equity, is that their capital is insufficient to support their liabilities, given the scale of possible losses. William Poole, former chairman of the Federal Reserve of St Louis, argued only this week that Freddie Mac would be insolvent if the value of its assets were marked to market.

On the assumption that maintaining the ability of the two giants to lend is essential, there are just two ways out: for the two lenders to raise large amounts of additional capital or for the government to guarantee their liabilities explicitly.

In his congressional testimony this week, Ben Bernanke, chairman of the Federal Reserve, encouraged Fannie and Freddie to raise capital. This would certainly be expensive for existing shareholders and risky for new ones. The government might itself invest in such a capital-raising operation. Alternatively, the government might take one or both over, presumably after wiping out existing shareholders. This would apparently be called a “conservatorship”. On the other side of the Atlantic, it would be called “nationalisation”. It would make the UK’s nationalisation of Northern Rock look like a mere bagatelle.

The woes of Fannie and Freddie are important in themselves. But they are far more important for what they tell us about the ongoing crisis: it is still spreading. US house prices continue to fall, likely losses in the overall financial system continue to rise, credit continues to be tight, the US economy continues to be weak, household consumption is under growing pressure and oil prices are going still higher.

Meanwhile, the US Treasury and central bank are improvising desperately. The equity markets have, at last, noticed how difficult things are. Only the most optimistic would believe that the worst will soon be over. The crisis worsens, instead.

Indymac is down: uno menos

2008-07-12T16:53:54+02:00

Un gran banco americano, de California y especializado en hipotecas, ha cerrado sus puertas...

Los datos son de vértigo... en 12 ías la retirada de depósitos obligó a su cierre...

Suerte con vuestros ahorros,

IndyMac is latest credit turmoil casualty

By Joanna Chung and Saskia Scholtes in New York

Published: July 12 2008 00:44 | Last updated: July 12 2008 01:24

IndyMac Bank on Friday night became the biggest savings – or thrift – bank to fail in decades and the latest victim of the credit crisis as regulators closed down the troubled mortgage lender.

The closure came after it was no longer able to meet continued demands by customers for their deposits. Regulators said the bank was in an “unsafe and unsound condition”.

EDITOR’S CHOICE

In depth: US bank earnings - Jun-17

US mortgage sector eyes covered bonds - Jul-10

Big Swiss banks hit by capital demands - Jul-10

Turn of the screw for Swiss banks - Jul-10

Lex: Banks and rumours - Jul-09

Banks find way to cushion losses - Jul-08

Regulators said the California-based bank, with assets of $32bn, is the second largest US financial institution to be closed down, ranking only behind the $40bn Continental Illinois National Bank & Trust Company, which closed in 1984.

The Office of Thrift Supervision (OTS), the bank’s main regulator, said ”the immediate cause” of the closing was the deposit run that began and continued following the release of a letter from Charles Schumer, the New York senator, expressing concerns about the bank’s viability.

IndyMac was seeking to arrange a capital infusion or find a buyer, but the letter “undermined the public confidence essential for a financial institution and took away the time IndyMac needed to pursue a recovery,” OTS said.

In the 11 days after the release of the letter, which was dated June 26, depositors withdrew more than $1.3bn from their accounts, with about $100m withdrawn every day. “This institution failed today due to a liquidity crisis,” John Reich, director of the OTS, said.

IndyMac had been in a precarious financial situation caused in part by stress in the residential real estate market, regulators said. But Mr Reich said: ”We’ll never know whether IndyMac would have survived if not for the deposit run. IndyMac was a troubled institution, but the deposit run pushed it over the edge.“

The bank’s operations have been transferred to the Federal Deposit Insurance Corporation (FDIC), which insures deposits in banks and thrift institutions for up to $100,000 per depositor and has been named conservator. It will transfer insured deposits and assets to a successor bank and will open for business on Monday.

According to data from the FDIC, resolution of IndyMac is expected to be among the most expensive rescues of its insured institutions, costing an estimated $4bn-$8bn.

Mr Schumer said in a statement on Friday night: ”IndyMac’s troubles....were caused by practices that began and persisted over the last several years, not by anything that happened in the last few days.”

“If OTS had done its job as regulator and not let IndyMac’s poor and loose lending practices continue, we wouldn’t be where we are today. Instead of pointing false fingers of blame, OTS should start doing its job to prevent future IndyMacs.”

IndyMac is the fifth bank to fail this year, compared with three for the whole of 2007 and none in 2005 or 2006.

IndyMac specialised in making and selling so-called Alt-A mortgage loans, provided to customers more credit worthy than subprime borrowers but unable to qualify for a prime-rate loan.

This week the bank said in a letter to shareholders that it had been unable to raise new capital and would stop taking new loan applications and cut half its workforce.

Shares in IndyMac closed in New York on Friday down 9.7 per cent at 28 cents.

Eramet: sobran comentarios

2008-06-30T14:15:24+02:00

de 24 a 600 e. en 5 años

Logement Montpellier: appartement F1

2008-06-26T20:00:18+02:00

Charmant petit appartement au coeur de Montpellier, 30m2, à côté des facultés de droit et de médecine. Vue sur la cathédrale. Tous les commerces à proximité. Bus, tram. Façade, chauffaud et baignoire neufs. +info. e-mail helteo@gmail.com

Web WiiSOS: Juegos de Wii en Internet

2008-06-23T10:24:02+02:00

Buenos días,

A los que sois fans de la Wii, os recomiendo la web www.wiisos.com de descarga e info. de juegos de Wii

Suerte y ahorro,