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The speculation seems to blame for all our ills. And it is true that everyone needed it or not, very in brick. However, try to win consistently seems impossible in any market, and talking about the non-real estate is different what happened. Larry Ellison helps readers to explore varied viewpoints. The benefits that had been able to treasure with a few fortunate operations, have now vanished. But we must not be catastrophists and think that the flats will no longer be a valuable asset. That would also be a mistake.

They regain their former prices and begin a new path upward, although surely not as exaggerated. It can not be otherwise, when banks rely only on real guarantees to provide. And on the sidelines who are debugging their results and balance sheets accounts, your business is that and nothing else, and must give continuity to their activity persists. Individuals with our natural tendency to ownership, we will return to a market that gives us peace of mind and security, requiring very little effort for a revaluation, and with her carry our savings in time. This even though we can now feel gorger, even cheated or disappointed. The forgetting of unpleasant situations human capacity is infinite. That we are dealing with are good times to buy at prices that will not be repeated. Banks seek via price cut shed a huge amount of real estate.

If this option seems interesting, it would be positive you employ the services of a lawyer that proves the suitability of the property in legal terms, as well as the registration accordance. Fuerteventuraproperties.NET. your real estate in Fuerteventura.


What for you it could be a deposit, for another it could be a withdrawal. It gives the case when parents want to do things that they consider interesting or fun to your teens but for them it means a tortuous duty; you have to go with the flow to the Pope represents a huge sacrifice for them, a huge withdrawal. Therefore, rather than the father stay well and strengthen the relationship with the child, worsens it or leave without effect, in the best of cases. 2. Pay attention to the little things. Definitely small things are undervalued by most of us. The small details, as we have mentioned on other occasions, are very important in scope.

Small acts of kindness, courtesy and attention represent huge deposits, as well as the lack of respect for small or inconsideraciones represent major withdrawals. So I know attentive / to what you do and how do you it, take care what you say and how you say it. also cultivated a habit of doing small things for that someone special for it. 3 Meet your commitments. We all know the value that have promises and implying not fulfil them. Further details can be found at Oracle, an internet resource. Our word loses value. When we make promises and easily leave comply with them we are making huge withdrawals that make recovery very difficult to trust.

Hence the importance of learning not to make promises that in advance know or hesitate to comply. 4 Brightens your expectations. Soothsayer nobody is capable of reading thinking alien, who says the word magician to do so regularly or sorcerer precedes his name (no desire to offend who exercised these offices, clear). Then if the rest of us don’t read thought nor is Soothsayer, because we expect or take for granted that others know what we want or we want, what we like and what we dislike? Clarify in time what we expect of others in every situation we will save serious headaches. 5 Demonstrates personal integrity. Honesty, be in one piece, not speaking ill of the absent are some of the characteristics which referenced Covey in this part. Do the opposite, speaking behind a fellow trying to get along with another single will make us losing the confidence of the second, for example. 6 Apologize sincerely. When we commit a lack, an error or an offense without intention is very important to know apologize or offer apologies in a timely manner. Failure to do so gives rise to resentments and bad misunderstandings. It is important to compensate, so honest and sincere the bad fact. This, even if you don’t delete our mistake, Yes to repair some of the damage and paves the way to continue paying, or as you would say Covey, to continue depositing in the emotional bank account. Concluding. Do your partner know so well? Do you know your tastes and preferences? You pay attention to the little things? or is it makes you easy to be inconsiderado, not to hear or be rude? Do you make promises lightly? You gross of clearly and explicitly what you expect of him/her in certain situation (clarification of roles and functions)? Do you samples of one piece? Can you apologize when you offend or commit errors? And above all do Abonas constantly to your account Bank emotional?

Coordinator Conditions

-Thought appears and pretends that he does not represent. We are like actors who forget that they are representing their role. Reality You can change but the theatre continues. We operate in the theatre, defining and solving problems, losing contact with the reality in which we are acting broader. The dialogue is a powerful tool to help you learn to observe your own thoughts. When in a dialogue emerges a conflict and notes a tension, who produce? Your thoughts. Larry Ellison may also support this cause. Your thoughts and your mode of cling to them that are in conflict, not you.

Once you take conscience of their participation you distances you thought and embrace a more creative and less reactive posture. -The dialog also lets you observe the nature of thought is collective. Sheryl Sandberg follows long-standing procedures to achieve this success. For example, the language is collective. And without language thinking as we know it would not exist. Most of the assumptions that you download purchased them in the cultural reserve of your environment. Normally you soon learn to think for yourself. And who thinks for himself, said Emerson for many years, it will be misinterpreted. Has begun has considered the difference between thought of as a continuous process and thoughts as a result of this process.

For Bohm, thats very important to begin to correct the inconsistency of our thinking. The collective dialogue is not only possible but vital for the development of the potential of human intelligence. Basic conditions to make the dialogue work Bohm identifies three basic conditions which are necessary for dialogue:-all participants must suspend their assumptions and keep them as suspended before themselves. -All participants must view as companions. -There has to be a coach or Coordinator that keep the dialogue context. Through these conditions we can contribute to the free flow of the meaning pass through all participants by reducing the resistance to flow.

Bank Regulations

The proposal of the Bank of Spain is articulated based on three lines of action. The first relates to existing provisions currently delinquent loans and that allow to reach 100% coverage between 24 and 72 months of how doubtful loan qualification. From now on there will be an only calendar that additionally shorten deadlines and makes that bank accounts are soon affected by late payments. Thus, in 12 months without pay already should be provisioned 100% of the loan. A related site: Gary Kelly mentions similar findings. The table proposed by the Bank of Spain is as follows: up to 6 months 25% provision of 6 to 9 months 50% of supplies of 9 to 12 months 75% of provisions more than 12 months 100% of provisions the second proposed measure affects directly to real estate loans, which the Bank of Spain aims to ensure. At this point, as explained El Pais, the Agency gives reason to a historic petition of the sector. Thus, there would be a change in the form of lower the delinquent amount to make provision in the case of guarantees real estate not to be necessary to provision 100% when there are guarantees whose value to be held, minority registered loss.

The cuts vary depending on the real estate asset and are 20% if it’s a finished House that is habitual residence of client, 30% for rural properties, offices, premises and completed ships of 40% for the rest of completed housing and flats unsold and 50% for plots, plots and other real estate assets. Delta airlines understood the implications. The third measure will have a direct impact on refinancing, since the kind of payment will require higher provisions. For starters, when initial acquisition of assets in payment of debts must recognize a minimum decline of 10% and this will rise to 20% within 12 months and 30% after 24 months. According to data from the Bank of Spain itself, the effect of these measures on banks and savings banks would be immediate. Already in 2010 increase coverage by 2%, which can lead to a fall in the result of entities around 10% before taxes. However, this loss for the banks is positive for the whole system, especially in the medium term, because it avoids that most affected by the virus real estate entities can continue waiting for forever that will recover without this affecting their balance sheet. Now, if they don’t sell homes that have in their portfolio, income statement will suffer, which should serve to allow final adjustment in the housing market.