Sunday, December 19, 2010
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evictions are carried out about 500 apartments in Spain. This figure includes rents from such mortgages. Year become about 200,000. These figures are for 2009 and 2010 is expected to be exceeded.
One in four families, are having trouble paying your mortgage.
Taken from a report by CNN + of Sunday, December 19, 2010.
Thursday, December 9, 2010
Blood In Stool On Comedian
Friday, November 26, 2010
How Do You Get Shiny Pokemon In Ememrald Pokemon
"To make biological survival possible, Mind Freedom has to be channeled through the brain valve and system nervous. What comes out the other end is a measly trickle of consciousness, class consciousness that helps us stay alive on the surface of this planet. To formulate and express the contents of this reduced awareness, man has invented and perfected constantly symbol systems and implicit philosophies which we call languages.
Aldous Huxley Doors of Perception
Monday, October 18, 2010
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Late payment of loans granted by banks, savings banks, cooperatives and credit institutions (SCIs) to individuals and companies stood at 5.61% in August, representing an increase of 0 , 14 points on the July rate (5.47%) and 0.67 points on the August 2009 level (4.94%), according to the Bank of Spain.
Credits questionable hit in August EUR 102,502,000, representing an increase of more than 2,000 million euros compared with July and more than 11,600 million compared to August 2009. So far this year, the sector's debt ratio has fallen only twice, in March and June, and remains at record levels since February 1996.
For entities credit financial institutions placed their lives in 10.13%, followed by savings (5.69%), banks (5.37%) and credit cooperatives (4, 22%).
Excluding the EFC, which have been delinquent tracicionalmente very high, the ratio system stood at 5.51%. Copy
eleconomista.es
Tuesday, October 12, 2010
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operations are known as asset to all those who are counted as such in the balance sheets of financial institutions, ie all those assume the existence of a credit to favor of the entity. On the other hand are passive operations which involve an obligation on the part of the entity, and correspondingly a credit to the client, hence the capture exprersión liability, which refers to the quest for institutions clients who entrust their savings.
Our law does not regulate in general, or limit the interest rate banks can charge our , safety or financial institution to grant a loan or credit, as we have seen are known as asset-operations, so that is something that is framed within the general principle of freedom pacts, Civil Code Article 1255. Such interest is reflected in the deed of loan or private contract and is binding on the signatories.
As market transparency requirement is mandatory for entities in whose office a bulletin board in which, among other things, publish the interest rates that apply to their preferred customers, and the most common of all other operations, consumer mortgages. The result of applying the rules of transparency allows us to know the usual conditions of the entity and if we offer are in line with those usually granted to most customers, this allows us to make a decision based on knowledge market and, of course, compare offers from several different entities. Provided that this is the most common, then we apply to us as a business problem that affects the transparency.
Another requirement of transparency of this market is required to include the APR in contracts, which is imposed by the Article 6 of the Consumer Credit Act , the APR we explicit the total cost credit expressed as a percentage of credit extended. They are also the source of this obligation the Order of Transparency of Financial Terms of the Mortgage Loans May 5, 1994, the Installment Sales Law of Personal Property, 28/1998, and his own Order 8 / 90 Transparency Operations and customer protection.
Freedom of covenants in the setting interest rate has some exceptions , the first of these is set out in Article 19 of the Consumer Credit Act , which limits to 2.5 times the legal interest rate of interest that can charged for the credit granted in the form of overdrafts, bearing in mind that the legal interest rate is now 4%, the interest rate for overdrafts is limited to 10%-to-day date, but only and exclusively for overdrafts, not the other active operations.
The other place is the old limit Enforcement Law of Usury of July 23, 1908, which states in its first article the invalidity of any loan agreement that provides for a substantially higher than normal interest money. As we can see does not provide an exact threshold, but rather refers to market conditions and the particular case. As we have seen financial institutions have a transparent, you can refer anyone to simply go to a branch and are consistent with the market for obvious reasons of commercial logic. By this we mean that rarely find that a transaction of a financial institution to qualify as usurious by the courts, may be more or less expensive according to the guarantees provided by the borrower and the commercial design of the operation itself, we refer to the so-called fast-credits, but can not be considered usurious.
found more examples of Loans considered usurious in what's euphemistically called "private equity" that they are lenders of all life clarify that our law does not establish a reserve for lending institutions financial. When an operation is ruled out by the entities to use, which often have similar risk criteria, there are people motivated by the need or despair turn to moneylenders who charge more logically in the financial institutions, and it is high-risk operations that rejects the bench, and therein lies the problem and the limit, there are simply more expensive-something which has the overwhelming logic of the market, much more expensive, also abound manifestly abusing situations of absolute necessity. In my practice I have seen many scripts that mask certain interests obviously abusive, 50 or 60% annually, indicating that capital is supplied is greater than that actually provided for in this way circumvent the sanction of invalidity established by Law mentioned Azcárate in the previous paragraph.
rate The highest financial institutions is the default , usually at around 30% annually, and is settled law that recognizes that there is a usurious interest rate, and that due to a contractual penalty for breach of the duty, a penalty clause that compensates for the breach of an obligation.
The interest rate that we charged in active operations, different types of loans and credits will vary from one another in terms of payment guarantees that the entity has - besides the price of money ", we always find the types low-collateral operations 's own good guarantees repayment of the loan with the holder of the such as mortgage, which is the best chance of return, and then go up to the higher rates that are charged on credit cards. In the middle are the personal loans and consumer finance, usually somewhat lower which have some form of collateral on the property financed, such as vehicle financing, which is an added guarantee of the reservation consistent domain financed vehicle. Copying
Francisco López
Monday, October 11, 2010
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can be found freely in the direction:
http://www.bde.es/clientebanca/cirbe/cirbe.htm
Sunday, October 3, 2010
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... the question is that we did not eat that day "alone" was a * friend, a friend who works as an official. -If there is the word in its full context, in the government. There is a big job, nor earn a silver egg, but had something relevant to his job, which put him in the same latitude structural (if it fits here Luhmann) because he had exactly the same type of employment allowed back in the late 50's to Luhmann immerse themselves in all kinds of books such as Hegel's Phenomenology [...] to the books of Confucius, "so to speak, for years after developing the theory of the Company System advocated.
That same night we ate the last wings in oyster, not crossed my mind to make mention of Niklas Luhmanm, and that he (my friend) for now, he the same function (if fit Luhmann here again?) that the sociologist had to and many years prior to his departure to USA, to become a student at Parsons, I mean when still, was a Bogart only ... the rest of history is known.
The point is that according to report that, Luhmann I take all that infinite time loitering in public administration to read the "99993847587398579853" classics of philosophy and sociology ... and more to the point that came to sign, "at the height of administrative zanganería functionally most striking references to each work, is therefore well known the" File of Luhmann "which surpasses the million Dating collected, deposited all these in a small cabinet of bibliographic files.
Aznavour To relate, I return a little of life before the fame of Luhmann, he had fallen as a prisoner of the allies World War II, for Luhmann the fact that since 17 years had been recruited by the Luftwaffe, is an event that marked his life, later confessed Luhmann way of theorizing and states that, that was an act of arbitrariness and arrogance against respect for individuality and self-determination Luhmann .... as a person complains, rightly, that this grim fact, have prevented performed like a normal teenager in the cycle (17 years). Hence perhaps the origins of what he understands in his system as "expectation."
A NO SHIT? AS OF TALKING AZNAVOUR WHEN sang the song "Mo EMMERDES" ... So, I remember him and while Luhmann. (It is no longer something empirical, such as John Locke would have preferred ...)... SI Luhmann would have had to make a book, telling his biography, since there is no None of them, had begun maso less so, although the end does not end very TRIZTAN or the song or life aznavour Luhmann unreported.
__________________
* [t is good there, so he had to say, I hope you do something like Luhmann, and thanks for the info "Jahrbucher "...] Jhering
Friday, August 20, 2010
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Sunday, July 25, 2010
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The Rechtssoziologi Luhmann: Network function or role, duty, communication, autopoiesis, Native Communities, city, person, norm, guarantees and expectations ..... -Beyond-a wanker who gets to teach as a frog suit (anfibologiko M.) .... and, well: so far not found grace, working with finalism Welzeniano in a "seminar-workshop "(and not even know what that shit is ... not the point.) Therefore, taking into account that the teacher tells us to read the final system concepts, then garbage in class, with extreme functional postural G. Jakobsen, leagues that-a-note is to be welcomed . (told us that he was a finalist in their times, Xuxa that happened, then? ... Jakobs stole the idea of \u200b\u200bfucking manual Welzel, or would like more now criminal law "so" ... or indeed that the existence overcame its essence, no! ... Anyway was Welzel Jakobs teacher and it was he who convinced him to move from Kiel to Bon to continue studying law, I do not know if Jakobs Trujillo came in the 60's pulled people to Bon and did something.
Monday, July 12, 2010
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SbellaS
mistreat animals>. <
2.La hypocrisy
3. I kieran bossy
4. L to treason
5. My computer to crash>. <>
7. Being treated like little girl of 5 years>. <
8. Teasing and rajonerias
9. People believed, ke you look from head to toe.
10. My hair is rebellious ke>. <
11. Selfish people end
has12. Please ignore me
13. People pretend ke.
14. Do not tell me the truth
15. Speaking ill of me behind my back
16. Not find work even>. <
17. I look bad
18. The unfortunate ke sufir did my best friend
19. Do not get the clothes i want
20. Light is gone just as toy doing something important on the computer
dedicate this award to:
Lamperogue Venice Is
Saturday, July 10, 2010
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State: relaxed owo Msn: Isa-chan
Music: the gazette - shiver
SHIVER PV:
Thursday, July 1, 2010
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Saturday, June 26, 2010
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THE DANCE OF WHICH Soban
of webear.
end of the month is another
I defer
A fucked my friends, like you
in three years were over, the cycles, 12 cycles
(CHORUS)
not go to the dance, of which
No one is going to take more
they want us to shit, really!
We were told of cachimbos,
study pa 'chamber,
The men are brothers and together they must work
heard the advice
eyes on the Chabuca
had so much fat,
over his head,
And it was so true because these Sobon the end
ended like the other sycophants with
And left my friends kicking stones
(CHORUS)
No go to the dance, which
No one is going to miss more
they want us to shit, really !
Hey, there are the flannels
are up your ass!
Hey, the time that I met
was a bit dark.
Under his leadership,
had a flat black,
The lounge this up the ass
by severe rotting sorayezcos games
to put them, note that you do not
them really gave
points that put the teacher,
them was Sobon,
them " wanted his profession "
what for? To end drug dealers
defending shit.
No one is going to miss more
They want us to shit, really!
laralalá laralalá laralalá laralalá
Hey, there are the flannels
are up your ass!
Hey, the time that I met
was a bit dark.
No one is going to miss most (bis)
they want us to shit, really! !
laralalá laralalá laralalá laralalá ...
Thursday, June 24, 2010
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Tuesday, June 15, 2010
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Editorial
B) THE HOLDER PRECARIOUS
Thursday, June 3, 2010
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Lack Of Energy More Condition_symptoms
Friday, May 21, 2010
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Osterling As can say "pork" Parodi he is happy that the Code Napoleon INFLUENCE here, that the code there ... influence of this and the dead mule, that influence ... .. of 1852?? Maybe .... That of 1936?? NO NO NO MY SENATOR ... the 1984? Puerko nonsense ... the doctrine that matters, THE FACT THAT THE SANTA CRUZ inept IF WE HAVE DECIDED TO IMPLEMENT THE EVIL OF ABORTION CODE A PERUVIAN REALITY S. XVII IS ONLY a beast that will be forgotten, the code of 1936 ... that fucking man!, At least say it was foul play and strength of Olaechea for having labored with M. PLANIOL (his "favorite student" Olaechea perhaps?, Lie to me as well Osterling ... if only went to listen a course in France not do a graduate degree.) trying afrancesado to a code but sta vz using jajajajaa French doctrine .... "doctrine of the French" hahaha .... that laughter, high blood pressure!
Well finally end up saying that siiiiiii, the French were the first to codify, but not think, that it left the gentlemen who are beyond the Rhine, less evil than the ancestors of Savigny Lorena fled fast .... Unfortunately the world needed to obtain a legal system and there was no better excuse to take the code of Napoleon, to be fashionable ... at least, the Brazilian fashion and cambiron, the strange thing is that the doctrine is always the same side. (Germany)
allow me to be a final "Well then" to put the simpletons who writes Imagna Österlin Parodi, that anger!
Friday, April 16, 2010
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Tuesday, April 13, 2010
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Well I opted for civil rights, no appeal to me criminal law all, there was a scientific structure and separate topic: I think this industry is making less and less science to legal science, well JAKOBS and functionalist theory is that momentarily saved (not to expect all hell penalty for a good time to adopt this paradigm) ADMINISTRATIVE right question! was to mix the "damn jurisprudence of concepts" with the netural-rational thing is you really can not digest. Other than that all are corrupt. Until Enterría Garcia. oh god! "?.
As had said there were three roads to choose, then I realized that little or nothing, indeed, interested in choosing the area, in the end only perspective is a kind of ridiculous that grants the right to attend.
now starting to bleed: The tragedy of this story is that some students, my friends, indeed, had been thinking since the first year of law school, what specialty-area forward?
to me that distressed me, was like trying to have all the "Body of Roman civil law" of Justinian when he studied Roman law in the first cycle (fortunately I got it.) And worst of all, the same day that we had choose the area would attend, a friend of mine still could not conclude "soul and money in your specialty to choose, I had asked twice that I choose: criminal or civil? I said: - Not later, that you like better ?.... is that bone, dammit! we had not yet taken a bloody course and criminal and you had to choose your specialty ... Then I said, "civil esocoge bacan, and said - you think, but you as I see it as criminal or civil?. . I said as criminal ... hell! did not know .... because I said no way, my friend was confused and I believe I mistook WORST. then asked, "but that such a penalty has read something, it motivates you?. my friend said, "not anything I said," good for me I've been reading me reason enough civil, criminal, but I also read something like, I like civil rights, other than that applied in everything, and because I want that.
My friend finally decided
civil rights, and as he saw uneasiness on his face ... everything is so rare, so very, very rare, also talks of guidance they gave us was a total disgrace a tremendous filth, as if the only Having to duck your head and feel a commitment distressing for wanting to learn or understand the principles and dogmas of the area that you like you were in a filthy predetermined orientation talk, or worse, as if by the mere fact of having only three areas at your school made thee feel like you're going to get to the end of the road turned into what the area has provided for your education ... ... ... pffffffffff error and disaster.
Total
, nobody knows who gets to study, sometimes happens often happens, the question is that each must be predetermined but naturally without assistance program or a plan developed which can supplement your lack of interest. I read somewhere that Gunther Jakobs in their first career steps had been involved in civil law, then moved to Bonn and then did his Hans Welzel, leaving young JAKOBS immersed in criminal law.
No matter what area or elective course is chosen within the curriculum (of course, if you're sure to choose this or that) the important thing is to come and taste the anguish because of this was born the true commitment to things better. JAKOBS IS AN EXAMPLE. Even SAVIGNY, that when he was orphaned, went to the house of his guardian von Neurath, who initiated him into the study of law with only 13 years old, the little SAVIGNY would resist to be instructed in law, but was Weiss his master, whom it must be given credit for Savigny awakened passion for Roman law and the study pandects, the rest is the history of civil law to this day. A
indeed my friend, is discovering that you like for now ... well I think "?
Saturday, April 10, 2010
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The "natural law " with the "jurisprudence of concepts" is an irreconcilable issue, ENDLESS, INFINITY and pestilence.
heck could be common Ch. Wolf with Savigny, or worse with Frederick Rousseau Puchta. Wolf and Rousseau, although paradoxically distant timeline, were the sophists the right, while that Savigny and Puchta were Socratic elements thrown into the world to unravel truths.
Savigny's work and all pandects even on the bum of v on Jhering was lab ... the natural law concepts rambling nonsense that much interest or poko to the true science of law due to the generalization vulgar and sometimes antithetical nomination of his statements ... Natural law posed by these rationalist modus geometricus and modus after - Ad hominem is fluctuating and very inconcisa contrary to what poses the Jurisprudence of Concepts, it with a more specific nature and contemplative in the realm of ideas (ideas verifiable)
perhaps find Hegel or Kant sentence in the possession of things are nooooooooo the theories of Savigny (ABOVE) AND Jhering (THE PRIME) FIND A CASE FOR ROUSSEAU CONSTITUTIONAL BASIS AND PURPOSE OF THE CONSTITUTIONAL STANDARD NOOOOO!! FIND A ALEXY ROBERT O PETER HABERLE OR LAST IN THE REVOCATION OF A LEGAL BUSINESS FIND-IN-A SAME SENTENCE HEGEL nooooo! ARE EMIL BETTI or ESCOGNAMIGLIO. Always wanted to confuse or permeate natural or rational philosophy with the science of law: a atros ........ it's as if someone said we apply the Sartrean existentialism the M personalism ounier or ontology of Husserl laboratory Bayern While researching AMOXICILLIN .........
Worst of all, as if it were to make a harmonious genealogy of evil, as researchers are of legal science and think that necessarily cesga conceptions of jurisprudence derives from the filosfia concepts, and that is then necessary to go to the naturalistic philosophy ..... but hell do you think? it could only go for Ralat terms of historical, primitive data, but not next to nacimineto systematization of science which Domat honor ... maybe one of the first French Roman texts delve sought the rational foundation of Cicero or Seneca. ..... did it work pandectitas ...... and shit with all the roll, should also be with the constitutional derehco but it is heavily infested and has metastasized.